
Medical directory health insurance
Take care of your own health and that of your family with our health insurance
Calculate your medical insurance
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With more than 51,000 professionals and 1,000 medical centres
24h chat, call or video consultation from your mobile phone
Commitment to not cancel the policy after the third year
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. |
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Primary care |
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Medical assistance in the centre and at home, paediatrics, nursing service and ambulance service for emergencies. |
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All the medical specialities |
no | Guided by your personal doctor | ||
Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests. |
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Surgery and hospitalisation |
no | Only in the Premium modality | ||
Hospital care for medical or surgical treatment. |
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Dental policy included |
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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. |
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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. |
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Podiatry, physiotherapy and rehabilitation |
no | |||
No limit on sessions. |
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Psychotherapy |
no | |||
20 sessions/year and 40 for eating disorders, bullying at school, cyber-bullying, occupational stress and gender-based or domestic violence. |
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Worldwide emergency travel assistance |
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Worldwide emergency travel assistance. Maximum 180 days/trip, €20,000 cover. |
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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. |
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Personal manager |
no | no | no | |
Personal manager |
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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:
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Hospitalisation and surgery (including surgical prostheses): 6 months
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Childbirth, except for premature deliveries: 8 months
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Transplants: 12 months
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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
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 atencion.cliente@dkvseguros.es. 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?
Copayments in health insurance
What are the benefits of copayment?
Health insurance without copayments
I want to take out a module-based health insurance policy in which I can choose the cover. What does each module include?
What type of tests in the clinic are included in Module A of DKV Modular?
Waiting periods, what are they? Do medical tests have a waiting period?
Up to which age can I take out health insurance?
Physiotherapy, do I need to go to the specialist first?
How have the psychology sessions been set?
How much is the premium surcharge if I take out the insurance when already pregnant?
How and how much does the insurance go up every year?
How can I request the GP or paediatrician home service?
What is considered a family unit in health insurance?
What does the price of my health insurance depend on?
What details do I need to calculate my health insurance?
When does my policy become effective?
Can I take out health insurance if I have an illness?
What medical tests do and don't require authorisation?
How can I change to DKV from another insurance company?
Can I pay my insurance in instalments?
Does my health insurance cover me outside Spain?
What does travel assistance include?
When I give birth, will my child be covered?
Are childhood vaccines included?
How do I request a medical authorisation?
Where can I see the affiliated clinics?
Can I go to a doctor that is not included in the DKV medical directory?
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.

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