Medical directory health insurance
Take care of your own health and that of your family with our health insurance
Calculate your medical insurance
Fill out the form to see the price of your dental insurance
With more than 40,000 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?
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DKV Modular A+B Made-to-measure health insurance. Only take out the cover you really need. |
DKV Integral Complet Our medical directory insurance with direct access to more than 40,000 specialists, without waiting lists and high copayments. |
DKV Integral Classic Our medical directory insurance with direct access to more than 40,000 specialists, without waiting lists and lowest copayments. |
DKV Integral Élite Our most popular medical directory insurance. Direct access with no copayment to more than 40,000 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 |
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Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests. |
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Surgery and hospitalisation |
no | |||
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 |
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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 |
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No limit on sessions. |
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Psychotherapy |
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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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Nutritionist |
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For treatment and management of obesity, up to 20 sessions per year. |
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Respiratory rehabilitation |
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For chronic obstructive pulmonary diseases and COVID-19 or coronavirus sequalae. Maximum 10 sessions/year in children under 10 years of age, and 3 sessions/year in adults. |
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Physiotherapy and analyses at home |
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In level 3 dependency. |
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Contribution for medical treatment |
With low copayment | With high copayment | With low copayment | 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
Health insurance waiting periods, copayments and modalities
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
Copayments and modalities
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.
Once your healthcare has been covered
Other health insurance you might be interested in
An expense reimbursement insurance to take care of your health and in which you can choose freely the doctor and centre you want to go, including abroad. We will reimburse between 80% and 100% of the total expenses depending on the insurance policy you choose and in less than seven days.
DKV Mundicare
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.
DKV Protección Familiar
The death insurance that supports your family in difficult times. Eco-funeral and erasure of digital identity service.
We want to improve what surrounds us! With our four causes.
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Actions that fight against reducing overweight figures in children.
We are a Zero CO2 emissions company. Our planet needs us, and we work towards protecting and recovering it.
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At the DKV Integralia Foundation, we work towards the social and professional integration of all people.