Medical directory health insurance

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

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. 

If you do not visit the doctor regularly and choose an insurance policy with copayments, the final disbursement will be much lower than a policy without copayments. This makes it a good option for people who do not use their policy often.

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: Complete. For example, general medicine, paediatrics and nursing, EUR 12. If another specialist is required, EUR 20

• With low copayment: Classic. For example, general medicine, paediatrics and nursing, EUR 1.95. If another specialist is required, EUR 2.95

• Without copayment: Élite 

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.

Yes. You have FREE dental cover with your policy. More than 50 dental treatments at no additional cost and many other treatments at discounted rates. A differential value compared to other companies. Consult here dental excesses

You can go to any doctor or hospital in our medical directory. We currently have more than 51,000 healthcare professionals and 1,000 centres available for you. In addition, DKV uses 8 of the 10 best hospitals in the country.

You can view our medical directory from the Quiero Cuidarme Más app or at the following link.

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.

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.

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.

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.

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

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

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

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

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

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. 

If you have a policy with another company, you will have to fill out the application and health questionnaire to make the change. Due to arriving as a new insured person from another company, any pre-existing conditions and waiting periods shall not be considered, provided that your current health policy has the same (or higher) cover than the one you are going to take out with us. If it has less cover, we shall eliminate the waiting periods in any similar cover, but we shall maintain them in the new cover of the insurance policy taken out. With regard to waiting periods for pregnancy, we shall maintain them.

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.

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

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

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

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.

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

1. E-mail at autorizaciones@dkvseguros.es

2. WhatsApp

3. Customer Area

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 autorizaciones@dkvseguros.es

2. WhatsApp

3. areadecliente.dkvseguros.com

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.

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 medicos.dkv.es

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.

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.