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?
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. |
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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 | |||
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 |
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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Nutritionist |
no | |||
For treatment and management of obesity, up to 20 sessions per year. |
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Respiratory rehabilitation |
no | |||
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 |
no | |||
In level 3 dependency. |
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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. |
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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
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.
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
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:
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Discounts according to the payment method: 2.8% (quarterly payment), 4.6% (half-yearly payment) and 7% (yearly payment)
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Discounts according to the number of insured persons: 7% (four insured persons), 12% (more than four insured persons)
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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:
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With high copayment: Complet
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With low copayment: Classic
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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.
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