Medical directory health insurance
Take care of your own health and that of your family with our health insurance
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+51,000 medical professionals at your disposal and 7 of the 10 best hospitals in the country.
Consultations with specialists by video call and chat, midwife, coach and pharmacy.
DKV has taken on the commitment to not cancel policies after the third year.
Included in your policy for free. More than 50 dental treatments at no additional cost.
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.
We offer you a wide range of options so you can choose the one that best suits your needs.
See all our information and choose the one that suits you best.
What are the advantages of private health insurance?
If you are not sure whether to take out a health insurance or not, we will briefly explain the advantages you will enjoy if you do:
Immediate attention and short waiting lists.
A wide range of medical centres and specialists. You will have complete freedom to choose the specialist that you need or that best suits you within our extensive medical directory.
Choose the hospital.
Short wait for diagnostic tests. Below the average time of the public health service.
Cover abroad, medical, surgical, pharmacy, hospitalisation and ambulance costs abroad (€20,000 limit).
Differential cover, such as dental insurance, which we include free in our health insurance.
What is a medical directory insurance?
When we talk about medical directory insurance, we mean a type of health insurance that lets you access medical specialists and centres affiliated with DKV.
DKV has a medical directory with more than 51,000 healthcare professionals and 1,000 centres available throughout the country.
A medical directory includes:
An extensive list of medical specialists, including dermatologists, cardiologists, surgeons, gynaecologists, neurologists, psychologists, etc.
From the most renowned hospitals and clinics in the country. DKV uses 7 of the 10 best hospitals.
Access to our own and network-affiliated centres. Consult here the medical directory.
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?
If you have health insurance with another company and you want to come to DKV, know that any 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, they shall not be eliminated.
There must also be continuity between your current insurance policy and the new policy. That is, no more than 60 days can elapse from the date you leave the former company.
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.
These discounts can be accumulated.
What is the duration of a health insurance policy?
Can I take it out with or without copayments?
Do I have dental cover?
Which specialists and medical centres can I go to?
Health insurance without copayments
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 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?
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
Call us
We'll call you FREE OF CHARGE
Once your healthcare has been covered
Other DKV health insurance
Reimbursement health insurance
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.
Critical illness insurance
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.
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