Medical directory insurance policies

Medical directory health insurance

Take care of your own health and that of your family with our health insurance

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Medical directory
Find your closest doctor

With more than 51,000 professionals and 1,000 medical centres

Video consultation and chat with specialists
Online medical query

24h chat, call or video consultation from your mobile phone

Conditions and commitment
Conditions that make all the difference

Commitment to not cancel the policy after the third year

Dental coverage
FREE dental cover

So you never stop smiling, all our health insurance policies have up to 47 dental treatments included.

Compare the cover of our health insurance policies with medical directory

What medical insurance includes the cover and services I need?



DKV Profesional Asistencia primaria

Basic health insurance providing access to primary care, emergencies and paediatrics.

DKV Integral Complet

Our medical directory insurance with direct access to more than 51,000 specialists, without waiting lists and high copayments.

Personal Doctor

Health insurance with a personal doctor service and paediatrician with constant monitoring of your health.

DKV Integral Élite

Our most popular medical directory insurance. Direct access with no copayment to more than 51,000 specialists with no waiting lists.

Primary care

Medical assistance in the centre and at home, paediatrics, nursing service and ambulance service for emergencies.

All the medical specialities
no Guided by your personal doctor

Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests.

Surgery and hospitalisation
no Only in the Premium modality

Hospital care for medical or surgical treatment.

Dental policy included

Consultations, extractions, stomatological treatment, fluoridations, dental cleans and dental x-rays associated with these treatments. Sealants and fillings for children under 14 years. Rest of services with discount.

Video consultation and chat service: general medicine and specialists
Via the Personal Doctor app

Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.

Podiatry, physiotherapy and rehabilitation

No limit on sessions.


20 sessions/year and 40 for eating disorders, bullying at school, cyber-bullying, occupational stress and gender-based or domestic violence.

Worldwide emergency travel assistance

Worldwide emergency travel assistance. Maximum 180 days/trip, €20,000 cover.

My 'Personal doctor' and paediatrician
no no no

Your guide and adviser, with whom to arrange health consultations (via chat and video call) and who will be by your side in all stages of your life. Your children's personal paediatrician will monitor them from their birth to 14 years of age. You may consult any symptom, and he/she will proactively monitor their growth and health.

Personal manager
no no no

Personal manager

Contribution for medical treatment
Available with or without copayments With high copayment With or without co-payment Without copayment

The amount you have to pay when you use certain services.


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Clear language so you can choose the type of insurance without hesitation

Waiting periods, copayments and modalities of medical directory health insurance

Waiting periods

It is the period during which the cover cannot be used yet.
The provisions of our health insurance can be used from day one.
In medical directory insurance, only the following services have waiting periods:

  • Hospitalisation and surgery (including surgical prostheses): 6 months

  • Childbirth, except for premature deliveries: 8 months

  • Transplants: 12 months

  • Biomechanical gait analysis: 6 months

Health insurance modalities and copayments

The copayment is the amount you have to pay when you use certain services depending on the insurance modality chosen. This amount will be added to the fixed monthly payment you pay based on the health insurance you choose. Remember that there are insurance policies in which the copayment is €0.

Health insurance policies with copayment are an interesting option because you pay a low monthly instalment as well as a small amount when using a service, such as a medical test, which will always be at a much lower price than if you had no health insurance.

Frequently asked questions about medical directory health insurance

Frequently asked questions about medical directory health insurance

Which is the health insurance's basic cover?

To learn in further detail about the cover and services included in health insurance, it is important to go over the terms and conditions of each product. 

On our website, you have access to detailed information about the cover of each of our health insurance policies.

These insurance policies differ from each other in the cover and services included. We offer you a wide range of options so you can choose the one that best suits your needs: medical directory or mixed reimbursement insurance policies, comprehensive insurance policies or by modules, and so on. 

See all our information and choose the one that suits you best.

I have a health insurance policy with another company, and I would like to change to DKV. Are there any pre-existing conditions and waiting periods?

The pre-existing conditions that you had in your previous company will remain, but we will eliminate the waiting periods, so all health services will be available from day one.

What discounts can I enjoy when taking out my health insurance?

A customer who takes out a DKV health insurance will permanently benefit from a lower price in one of these cases:

  • Discounts according to the payment method: 2.8% (quarterly payment), 4.6% (half-yearly payment) and 7% (yearly payment)

  • Discounts according to the number of insured persons: 7% (four insured persons), 12% (more than four insured persons)

  • Discounts applicable based on the current promotion. In the case of DKV Integral, insured persons who take out the health insurance before 28 February 2022 will obtain a 36% discount on the rate for 2022, a 30% discount in 2023, a 24% discount in 2024 and a 12% discount in 2025.

These discounts can be accumulated.

What is the duration of a health insurance policy?

We will explain to you how the duration of the health insurance policy works, when it expires and its renewal. Here

How do I request the cancellation of my insurance?

Any policyholder who wishes to request the cancellation of the policy must do so in writing at least one month before the policy's maturity.

Health insurance policies expire at the end of the calendar year, i.e. 31 December; other policies expire one year from the date the contract enters into force.

The following must be included in the cancellation request:
• Tax ID (NIF/NIE) of the policyholder (a scan is fine if sending by email).
• Policy or card number.
• Signature of the policyholder.

You may send your application:
• By post or fax to your local branch
• By email at In this case, please attach the scanned Tax ID number/ Foreign resident ID and the document signed by the policyholder.

In addition, if you change your mind after having signed a policy, you have the so-called "right of withdrawal". Once you sign a contract, you have fourteen calendar days to cancel it, and you must notify the company in writing or by telephone. In any case, make sure beforehand that the company in question accepts that option.

Las Pre-existing conditions are circumstances that customers present and that have affected or may alter their normal state of health. The sequelae of injuries and any chronic or hereditary disease prior to taking out the policy are considered pre-existing conditions.

Does health insurance cover pre-existing conditions?

A health insurance with copayment is a policy in which customers pay a fixed amount for their insurance, either monthly or yearly, as well as a variable amount, which depends on the times that they have used the policy during the month. 

In addition, according to the conditions of the policy, customers will pay the money separately, each time they go to the doctor or the company will include the additional amount in the monthly bill. 

At DKV, the copayment varies according to the insurance modality you choose. For example, in the DKV Integral medical directory insurance you can choose between the following:

  • With high copayment: Complet

  • With low copayment: Classic

  • Without copayment: Élite 

Example of consultation:

General medicine, paediatrics and nursing (€12 with DKV Integral Complet, €1.95 with DKV Integral Classic)

Other specialities (€20 with DKV Integral Complet, €2.95 with DKV Integral Classic)

The copayment modalities we offer allow you to adjust the price of your insurance even more to what you are prepared to pay and to how you believe you will use it, giving you the possibility of choosing between several options.

Copayments in health insurance

Very simple: the insurance's annual amount is lower. If you regularly visit the doctor, the final disbursement will be much lower than that of the health insurance without copayments. Although, copayments usually range between 1 and 20 euros. Further information

What are the benefits of copayment?

In this type of health insurance, a fixed amount is paid for using the services included in the policy, without a price increase for each visit you make. 

It is a flat rate with some annual limitations that may be established in the policy and that you should be aware of (the cost of gauze, splints, medicine or ointments may not be included).

As a result, you will not have to pay any additional charge when you use your insurance.

Health insurance without copayments

This insurance's services and cover are distributed into three modules, from which you can take out one, two or all three, adjusting them to your needs in different combinations. Further information

I want to take out a module-based health insurance policy in which I can choose the cover. What does each module include?

The following tests are included DKV Modularin the insurance's module A:

  • Basic blood and urine tests (excluding hormone, immune, genetic and molecular biological testing)

  • Simple X-rays without contrast

What type of tests in the clinic are included in Module A of DKV Modular?

A waiting period is the period of time set in the contract, from the date the policy enters into force, during which part of the cover included in the policy guarantees does not take effect. This period is calculated by months, counting from the effective date of the policy for each of the insured persons included in it.

Diagnostic means and tests do not have a waiting period, except for the biomechanical gait analysis. The supplementary cover exclusive to DKV Integral in its individual modality has a waiting period of 6 months.

In addition to this test, there are another four services with waiting periods, which are common to all products:

  1. Surgery and hospitalisation, including surgical prostheses, for any reason and of any kind, will have a waiting period of six months, except in the cases of a life-threatening emergency or as a result of an accident. 

  2. Treatment for any kind of childbirth (except premature childbirth) or Caesarean operation will have a waiting period of eight months. 

  3. Transplants have a waiting period of twelve months. 

  4. Healthcare for HIV/AIDS has an exclusion period of twelve months (see definition of ‘exclusion period’ in section 2, Basic concepts. Definitions). 

The rest of the provisions covered by the insurance have no waiting periods, so you can use them from day one. DKV also offers you other insurance policies with additional cover, which may have an additional waiting period.

Waiting periods, what are they? Do medical tests have a waiting period?

If you are over 70 years old and want to take out health insurance, you must consider the maximum contracting age offered by each company. Some insurers set the maximum age to take out insurance at 65 or 70 years of age.

You will also find policies that do not have a maximum contracting age, so it is important that you study the available options. Also pay attention to the age from which the company may not renew your health insurance. Find out as much as you can before you decide, because there are insurers who commit to not cancelling the contract after a set validity period.

At DKV, we have the highest age for taking out insurance on the market: up to the age of 75, in an individual modality.

Although we also offer health insurance with no maximum age limit, such as DKV Famedic Plus, an economical health insurance with basic cover designed for everyone, without any age restrictions or limits.

Up to which age can I take out health insurance?

Yes, before attending physiotherapy sessions, you will first have to go to a specialist in traumatology, neurology, rheumatology or a rehabilitating doctor, who will prescribe the sessions.

Physiotherapy, do I need to go to the specialist first?

Insurance companies generally set a maximum limit of sessions per insured person per year. At DKV, we have one of the widest contracting age limits on the market. Further information

How have the psychology sessions been set?

If the insurance is taken out when pregnant, there is the possibility of obtaining cover for monitoring the pregnancy and childbirth, exclusively through the medical directory, by means of a premium surcharge paid in a lump-sum.
The additional premium for pregnancy and childbirth is as follows:
- Balearic Islands and Canary Islands €3,500.
- Rest of Spain: €3,000.
If you want to pay a premium surcharge only for monitoring pregnancy (childbirth will not be covered, but the prenatal genetic screening test will): €800 (mainland and islands).
N.B.: DKV Modular and DKV Profesional requires a comprehensive insurance policy (all three modules), and reimbursement policies only provide cover in the own services modality.

How much is the premium surcharge if I take out the insurance when already pregnant?

With each insurance contract renewal, at 31 December, the company may modify the annual premium and the costs for medical acts taking as a base the technical actuarial calculations. Further information

How and how much does the insurance go up every year?

With DKV insurance, you can request a home service when, due to the condition of the ill person, going to a consultation or hospital centre is not advisable from a medical point of view. Further information

How can I request the GP or paediatrician home service?

We understand as a family unit all relatives who live in the same family home and want to be beneficiaries of the insurance.

What is considered a family unit in health insurance?

The price varies according to the modality, age and place of residence. In addition, different prices can be set according to the policy's modality. In the case of DKV Integral:

  • Integral Complet: from €22

  • Integral Classic: from €43

  • Integral Élite: from €48

What does the price of my health insurance depend on?

It is calculated according to the insured person's age. You can calculate the price of your health insurance by using our calculator.

What details do I need to calculate my health insurance?

On the date the policy enters into force, which is when the guarantees covered by the policy become effective. It usually coincides with the policy's issue date, but the customer can set a date later than the issue date. 

When does my policy become effective?

A pre-existing condition is a health condition (e.g. pregnancy), alteration or organic disorder that existed before the time the insurance was taken out or the insured person was included in the policy, regardless of whether there is a medical diagnosis or not, and it is excluded from the cover.

However, on some instances, you can pay a premium surcharge, which is an additional amount or complementary premium paid to cover a risk excluded from the general terms and conditions.

Can I take out health insurance if I have an illness?

Complex diagnostic tests, ambulance transfers, prostheses, and surgical implants, psychotherapy sessions, preventative programmes or check-ups, medical or surgical treatment and hospital admissions.

If you have any queries about the diagnostic and therapeutic procedures that do not require prior authorisation from DKV Seguros, please consult the website and/or medical directory of your corresponding 'DKV Network of Healthcare Services' for the current year, Chapter 2 ‘Advice for Use’.


What medical tests do and don't require authorisation?

If you have a policy with another company, you will have to fill out the application and health questionnaire to make the change. As a new insured person from another company, there will be no waiting periods, but no pre-existing conditions will be accepted.

How can I change to DKV from another insurance company?

The insurance can be paid monthly, quarterly, half-yearly or annually. You will also benefit from discounts for paying in instalments. The discounts in the individual modality are as follows:

  • 2.8% Quarterly

  • 4.6% Half-yearly

  • 7% Annually

These discounts are for the individual modality.

Can I pay my insurance in instalments?

The healthcare insurance policies DKV Integral, DKV Profesional and DKV Modular, as well as the mixed reimbursement insurance policy DKV Residentes, include worldwide travel assistance, which guarantees medical assistance abroad in the event of an emergency. Further information

Does my health insurance cover me outside Spain?

With your DKV medical directory insurance, you will enjoy worldwide travel assistance cover, which in the event of an emergency guarantees the provision of medical assistance abroad. Further information

What does travel assistance include?

Yes, we cover the cot and/or incubator for the newborn during hospital admission up to a maximum of 28 days.

When I give birth, will my child be covered?

Your comprehensive health insurance includes the administration of vaccinations included in the compulsory child vaccination programme in Spain, at certified associated vaccination centres, where the medication will be borne by the insured person, except when provided for free by the provincial Public Health authorities or similar body in the autonomous community.

Are childhood vaccines included?

Authorisations for diagnostic tests. You can request them through the following channels:

  1. E-mail at

  2. WhatsApp


  4. Telephone Number 976 506 000

  5. At our branches (not sure if we want to include this channel)

Authorisations for hospital admissions. You can only request them through the following channels:

  1. E-mail at

  2. WhatsApp


In addition, you must send the following documentation in order to request an authorisation for hospital admission:

  1. Prescription by a physician included in the DKV medical directory

  2. Report signed by the physician responsible, detailing the clinic, date and cause for the admission or surgical procedure.

How do I request a medical authorisation?

When you take out health insurance, the medical directory is the most valuable benefit: having close the centres you need to visit and being able to go to a medical specialist whenever you need it.

At DKV, we have more than 51,000 affiliated professionals and 1,000 affiliated medical centres available throughout Spain. Avoid waiting lists and lengthy paperwork. We offer the professionalism of the most convenient and fastest healthcare, while you choose whatever you need at any time.

You can see all the doctors and centres included at

When you become insured, you will also be able to do so from the Quiero cuidarme Más app, which in addition to providing you with solutions to take care of your health wherever you are, you will be able to easily access the medical directory.

Where can I see the affiliated clinics?

If you have taken out a medical directory insurance policy, you may only use the extensive DKV medical directory, which includes more than 51,000 health professionals and 1,000 centres.

But if you take out DKV Integral, in the individual modality, you will also enjoy access to reimbursement cover that may be of your interest:

  • Reimbursement of the medical expenses incurred abroad for serious illnesses.

  • Optional module for gynaecology, obstetrics and paediatrics. It allows the insured person to consult a gynaecologist, obstetrician and/or paediatrician anywhere in Spain and the world, provided that they are not included in the DKV Network of Healthcare Services, and reimburses a percentage of the health care costs generated, taking into account the waiting period and the maximum reimbursement partial limits (for therapeutic acts, care for the newborn) and total limits (per insured person and calendar year, or a proportional part) set out in the table of coverage and limits attached to the specific terms and conditions.

Can I go to a doctor that is not included in the DKV medical directory?

Hospital medical assistance or hospitalisation is the care given in a hospital centre with admission during at least 24 hours for the insured person’s medical or surgical treatment.

What does hospitalisation or hospital medical assistance mean?

Do you need help?

If you are thinking about taking out an insurance policy and you have questions, we will answer them in the way you choose.

Visit your nearest agent

Visit your nearest agent

We’ll call you

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Once your healthcare has been covered

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Critical illness insurance

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An insurance that guarantees your financial protection and guides you in receiving the best available treatment in the world when you're faced with the diagnosis of a severe illness.

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