Our most popular health insurance, DKV Integral
FREE dental cover.
Psychology, nutrition, chiropody and physiotherapy sessions.
Unlimited consultations by video call or chat with general practitioners and specialists via the app "Quiero cuidarme Más".
Why choose DKV Integral
All the advantages of your medical directory insurance
8 of the 10 best hospitals in the country.
+40,000 medical professionals available.
+71 hours saved on medical specialists' waiting lists.
FREE dental cover.
All the details about DKV Integral
Protect your health and that of your family with the DKV's prestige and quality
Medical cover and health services
With this policy you can take advantage of our extensive medical directory and the best health care.
You choose the doctor or clinic you want to go to from among 40,000 professionals and 1,000 affiliated centres all over Spain. In addition, we use 8 of the 10 best hospitals in the country.
Avoid crowds by going to the specialist of your choice, by skipping waiting lists and long procedures, such as requesting an authorisation or a referral from a GP. Ensure the fastest, most convenient and efficient healthcare, choosing only what you need.
Cover included in our DKV Integral health insurance
General practice, emergencies, paediatrics, ambulances, analyses...
Direct access to all specialities
You can go to all specialities without first having to seeing your GP: cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests.
Surgery and hospitalisation
Cancer treatments, PET/EMR in oncology, kidney treatments among others, surgery hospitalisation (ICU and pregnancy-related included), prostheses, etc. In addition, you will have your own room with an extra bed for your companion so that you are comfortable.
Unlike other health insurance policies within the sector, yours will include dental service cover. More than 50 free services and the rest with large discounts.
Daily compensation for hospitalisation
If you are admitted to hospital, from the third day onwards you will receive 80 euros per day, when none of the hospitalisation costs are charged to DKV.
Travel with peace of mind
You can count on up to 20,000 euros for emergency assistance worldwide on journeys of up to 180 days. One of the highest limits on the market!
Always covered, for any unexpected event
As opposed to other companies, if you experience any kind of occupational or traffic accident, don't worry, we'll attend to you. At no additional cost!
Podiatry, physiotherapy and rehabilitation
No limit on sessions!
Home tests and physiotherapy, in level 3 dependency. Access through the DKV Network of Healthcare Services.
Respiratory rehabilitation in 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.
Video consultation and chat with a doctor
You will be able to contact a doctor by phone, video call or chat. You can enjoy virtual consultations with medical specialists, as well as chat with your health coach to improve your lifestyle and with a midwife if you are pregnant or just gave birth to a baby. Getting a first medical opinion has never been so easy. In addition, you can store your health documents (reports or tests) and have all your electronic prescriptions handy with the app.
Medical phone lines
A 24h medical helpline and a 24h paediatric helpline to take care of your children's health at any time. The widest range of specialist helplines on the market: medical helpline for pregnancy, nutrition and childhood obesity, among others.
Your health insurance includes 20 consultations a year with a psychologist to treat any emotional health problem. If you suffer school bullying or workplace harassment, cyberbullying, eating disorders, such as anorexia or bulimia, you will have up to 40 sessions.
Treatment and management of obesity, up to 20 sessions per year.
Do you have a trusted paediatrician or gynaecologist?
You have the option of adding whichever paediatrics or gynaecology service you wish, even if it is not included in the medical directory.
Biomechanical gait analysis
An analysis every five years for adults and every two years for children under 15 years old in Podoactiva centres.
Preventive care programmes
Sign up to our free prevention programmes, and we'll help you improve your overall health. Such as the cervical cancer prevention programme for women between 25 and 65 years of age by means of smear test or High-risk Human Papilloma Virus (HVP) test or the Children's Health test.
DKV Club de Salud y Bienestar discounts
You will have access to the entire catalogue of health and well-being services at lower-than-market prices.
With DKV Integral, all provisions can be used from day one; only some specific services have waiting periods.
Can we go to the specialist the day after taking out the insurance? Yes, from the first day, except for some services that have a waiting period:
Hospitalisation and surgery (including surgical prostheses): 6 months
Biomechanical gait analysis: 6 months
Childbirth (except for premature births): 8 months
Transplants: 12 months
Copayments and modalities
A copayment is a small cash amount that is paid every time that you use a health insurance. It varies according to the type of insurance you have taken out and the medical test or speciality you undergo.
Choose the type the suits you best, from:
With high copayment: Complet
With low copayment: Classic
No 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)
Consult all copayments by modality here
Any insurance policy must start with a commitment
Terms and conditions of the contract
Highest age for taking out insurance on the market: up to the age of 75, in an individual policy.
We offer you insurance for your whole lifetime. We will not cancel the contract if you have been with us for three years, nor will we raise the price if you frequently use the health insurance.
Discount for family policies: 7% if you are four insured persons, or 12% if you are five or more. Plus an additional 7.5% for making an annual payment.
The insurance contract is renewed automatically at the end of the calendar year. We will inform you on your policy's new features with enough time before it expires, so you can make a decision.
Information about the DKV Integral insurance to view later
Download the documentation
If you have already decided to take out DKV Integral
We help you to take out your health insurance in a few steps
Calculate your insurance
Enter the details of the insured persons so we can offer the options that best suit you.
Taking out the insurance
Take out the health insurance and enjoy it by completing just 5 steps.
We will confirm if the process of taking out the insurance has been completed successfully. You will receive all the documentation by postal mail.
Our customers' opinions
What do you think about DKV Integral?
We provide you with tools to make your life easier and take care of your health
Once your healthcare has been covered
Complementary health insurance that may interest you
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. We will reimburse between 80% and 90% of the total expenses.
Access to the best treatments all over the world, paying only what you need: cancer treatments, coronary heart diseases
We want to improve what surrounds us! With our four causes.
Are you one of us?
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.
We no longer want to be mothers, but MalasMadres, which is why we are launching #LaHoraDeCuidarse
At the DKV Integralia Foundation, we work towards the social and professional integration of all people.