Medical directory insurance policies

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

Medical directory
Find your closest doctor

With more than 40,000 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 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.

Primary care

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

All the medical specialities

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

Surgery and hospitalisation

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

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.


For treatment and management of obesity, up to 20 sessions per year.

Respiratory rehabilitation

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.

Physiotherapy and analyses at home

In level 3 dependency.

Contribution for medical treatment
Available with or without copayments With high copayment With low copayment Without copayment

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


Sign up


Sign up


Sign up


Sign up


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:

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

  • Childbirth, except for premature deliveries: 8 months

  • Transplants: 12 months

  • 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

DKV Mundisalud

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.

DKV Mundicare

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.

DKV Protección Familiar

Funeral insurance

DKV Protección Familiar

The death insurance that supports your family in difficult times. Eco-funeral and erasure of digital identity service.

Frequently asked questions about medical directory health insurance

Frequently asked questions about medical directory health insurance

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.

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.

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.

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. 

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.

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.

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

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.

Ask for an appointment at your nearest branch, call us, request us to call you or take it out online.

Visit your nearest agent

Visit your nearest agent

Call us

Call us

We’ll call you

We’ll call you

We want to improve what surrounds us! With our four causes.

Are you one of us?

Against childhood obesity

Actions that fight against reducing overweight figures in children.

For the planet

We are a Zero CO2 emissions company. Our planet needs us, and we work towards protecting and recovering it.

For women's health

We no longer want to be mothers, but MalasMadres, which is why we are launching #TimeToTakeCareOfYourself

For inclusion

At the DKV Integralia Foundation, we work towards the social and professional integration of all people.

You are a DKV customer

Please call us on:

900 810 072

Exclusive mutual society members

Please call us on:

900 810 073

You aren't a DKV customer