DKV Integral, our most comprehensive health insurance
A health insurance that takes care of your health and that of your family.
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Comprehensive medical assistance with surgery and hospitalisation.
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Includes FREE dental cover.
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Video call and chat service with specialists 24/7.
Take out a policy now with a 35% discount.
Discounts for 6 years.
All the advantages of your medical directory insurance
Why choose DKV Integral
+51,000 medical professionals at your disposal and 8 of the 10 best hospitals in the country.
50 treatments at no additional cost and others with major discounts.
Up to 40 consultations with a psychologist to treat any emotional health problem.
Unlimited virtual consultations with specialists by video call and chat.
Request information
You will be contacted by an expert to provide you with information on our insurance policies.
Protect your health and that of your family with the DKV's prestige and quality
All the details about DKV Integral
Cover and services
Enjoy the most comprehensive medical directory health insurance and the best health care.
You choose the specialist or clinic in our medical directory you want to go to, from among 51,000 professionals and 1,000 affiliated centres all over Spain.
Included cover
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Primary care
General practice, paediatrics, nursing services and 24-hour medical emergencies.
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All the medical specialities
Cardiology, dermatology, ophthalmology, traumatology, gynaecology, neurology, oncology, psychiatry, etc.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation
Hospital admission and stay.
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Annual general medical check-up
In a single appointment: physical consultation and examination, as well as analytical, cardiological, auditory and ophthalmological tests. Medical guidance following results.
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Dental coverage
More than 50 free services and the rest with large discounts.
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Psychology
20 sessions and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
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Podiatry, physiotherapy and rehabilitation
No limit on sessions!
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Worldwide travel assistance
You will have up to €30,000 for emergency medical assistance on journeys abroad of up to 180 days.
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Daily compensation for time spent in hospital
€80 per day, maximum €2,400, when the hospitalisation costs are not borne by DKV.
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Accident cover
You will receive medical assistance if you experience any kind of occupational or traffic accident.
Health services
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24h video consultation and medical chat
Talk to a doctor via call, video call or chat, as well as chat with a health coach to improve your lifestyle and with a midwife if you are pregnant or just gave birth to a baby.
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Medical helplines
24-hour general medicine, 24-hour paediatrics, pregnancy, women's health, nutrition, psychoemotional or sports health.
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Nutritionist
Up to 20 sessions per year for the treatment and management of obesity.
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Biomechanical gait analysis
An analysis every five years for adults and every two years for children under 15 years old in Podoactiva centres.
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Second medical opinion
In the event of severe illness, you will have remote access to an assessment and second opinion from world-renowned specialists.
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Latest technology in medicine
Access to the most advanced diagnostic techniques and procedures, such as the Da Vincci robotic surgery, 3D colonoscopy and 3D/4D ultrasound.
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Preventive care programmes
We help you improve your health condition: early detection of diabetes; child health; oral health; glaucoma; women's cancer; prostate, colorectal and skin cancer; and coronary risk prevention.
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Health services complementary to the insurance
You will have access to a catalogue of health and well-being services at lower-than-market prices through DKV Club Salud y Bienestar.
What health insurance do you need?
We offer you different options, with and without copayment.
Up to 25% Disc.
High copayment
The right option if you're not going to use it frequently.
DKV Integral Complet
Take it out from €18/Month
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€13.50 General medicine, paediatrics and nursing
Amount to be paid each time you go to one of these specialities.
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€23 Specialities
Amount to be paid each time you go to one of these specialities.
Up to 35% Disc.
Low copayment
The right option if you're going to use the insurance frequently and want a more economical premium.
DKV Integral Classic
Take it out from €31/month
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€2.30 General medicine, paediatrics and nursing
Amount to be paid each time you go to one of these specialities.
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€3.50 Specialities
Amount to be paid each time you go to one of these specialities.
Up to 25% Disc.
Without copayments
The right option if you're going to use your insurance frequently.
DKV Integral Élite
Take it out from €40/Month
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€0 General medicine, paediatrics and nursing
Amount to be paid each time you go to one of these specialities.
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€0 Specialities
Amount to be paid each time you go to one of these specialities.
Waiting periods
With DKV Integral insurance, you can use all the medical services and cover from day one, except:
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Transplants: 12 months
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Surgical procedures, hospitalisation and prostheses: 8 months
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Childbirth (except for premature deliveries or C-sections): 8 months
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Outpatient surgical procedures and acts: 6 months
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High-tech diagnostics: 6 months
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Biomechanical gait analysis: 6 months
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Proton therapy in paediatric tumours: 8 months
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Healthcare for HIV/AIDS: 12 months
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Psychotherapy sessions: 6 months
Copayments and modalities
A copayment is a small amount that you pay when you use a health insurance. It varies according to the type of insurance and the medical speciality.
Choose the modality that best suits you:
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With high copayment: Complet (€13.50 consultation general medicine and €23 other specialities)
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With low copayment: Classic (€2.30 general medicine consultation and €3.50 other specialities)
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No copayment: Élite (€0, all included)
Terms and conditions of the contract
Any insurance policy must start with a commitment
The highest in the market. Until the age of 75.
We will not cancel the contract if you have been with us for three years.
7% discount if there are 4 insured people, and 12% if there are 5 or more.
7% disc. for yearly payment, 4.6% for half-yearly payment and 2.8% for quarterly payment.
Download the documentation
Information about the DKV Integral insurance
Download the Activa DKV App!
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View your doctors and medical centres.
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Your digital medical card.
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Manage your authorisations and reimbursements.
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Contact DKV.
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Digital healthcare services: video consultation and chat with specialists, prescriptions, reports, etc.
Other insurance you might be interested in
Health insurance with a personal doctor
DKV Personal Doctor
A new medical experience with all the cover of a comprehensive health insurance policy and the reassurance of having your own personal doctor.
Reimbursement health insurance
DKV Mundisalud
An expense reimbursement insurance in which you can freely choose the doctor and centre you want to go. We will reimburse between 80% and 90% of the total expenses.
Funeral insurance
DKV Protección Familiar
The funeral insurance that supports your family at all times. One of the best funeral services, with transfer and repatriation to your country of origin.
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
Conditions of price from*
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Price from DKV Integral Complet: Calculation for a 9-year-old person residing in Aragon, Castilla y León, Asturias, Gipuzkoa, Lugo or Orense.
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Price from DKV Integral Classic: Calculation for a 9-year-old person residing in Aragon, Castilla y León, Asturias, Gipuzkoa, Lugo or Orense.
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Price from DKV Integral Élite: Calculation for a 9-year-old person residing in Aragon, Castilla y León, Asturias, Gipuzkoa, Lugo or Orense.
The premiums are valid during the campaign period.