Our most popular health insurance, DKV Integral

A health insurance that takes care of your health and that of your family. Avoid the crowds and ensure the fastest, most convenient and efficient healthcare.

Desde 14 €/mes*


Why choose DKV Integral

All the advantages of your medical directory insurance

Medical directory

+40,000 medical professionals available.

Best hospitals in the country

8 of the 10 best hospitals in the country.

Dental coverage

FREE dental cover.

video conference

Unlimited consultations with specialists by video call and chat

Taking out insurance by phone

Calculate and take out your health insurance now

Call us with no strings attached at 876 140 054 and have an expert inform and help you throughout the process.

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 specialist or clinic in our medical directory 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

  • Primary care

    General practice, emergencies, paediatrics, ambulances, analyses...

  • Direct access to all specialities

    You can go to all specialities without first having to see your GP, as well as take 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.

  • Dental coverage

    Unlike other health insurance policies within the sector, yours will include dental 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 services

    Home tests and physiotherapy, in level 3 dependency. Access through the DKV Network of Healthcare Services.

  • Respiratory rehabilitation

    Respiratory rehabilitation in chronic obstructive pulmonary diseases and COVID-19 or coronavirus sequalae.

Health services

  • 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.

  • Medical phone lines

    A A 24h medical helpline and a 24h paediatric helpline to take care of your children's health at any time. 

  • Psychotherapy

    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.

  • Nutritionist

    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.

Waiting periods

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

Quiero cuidarme Más app

Download our Quiero cuidarme Más app!

If you have a health concern, you can chat or talk to a doctor 24/7, or have a video consultation with a medical specialist without leaving home. You will be able to send and receive images and documents such as tests or reports, and request an appointment at one of our centres and have everything in a single agenda. We have also added 'your mind matters', a chat-based psychological guidance service with tools to improve your mental health. All health services in a single app!

What type of policy suits your needs?

DKV Integral is the most comprehensive medical directory insurance, with three different modalities based on the copayment amounts.

Medical directory health insurance

DKV Integral Complet

High Copayment

€12 General Medicine, Paediatrics and Nursing

€20 Specialities

Price from


14 €/Mes*

30% discount

About the final price

Calculate my insurance

Medical directory health insurance

DKV Integral Classic

Low Copayment

€1.95 General Medicine, Paediatrics and Nursing

€2.95 Specialities

Price from


27 €/Mes*

30% discount

About the final price

Calculate my insurance

Most sold option

Medical directory health insurance

DKV Integral Élite

Without copayment

Everything is included in your instalment, zero worries and unforeseen events

Price from


30 €/Mes*

30% discount

About the final price

Calculate my insurance

You have an additional discount when choosing the payment method

Yearly payment

7% discount

About the final price

Half-yearly payment

4.6% discount

About the final price

Quarterly payment

2.8% discount

About the final price

Any insurance policy must start with a commitment

Terms and conditions of the contract

Satisfied customers
Contracting flexibility

With one of the highest age limits for taking out insurance in the market; up to the age of 75 in the individual modality.

Conditions and commitment
Always by your side

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.

Savings in your domestic economy

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.

Transparency and clear language
We are transparent

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

Our customers' opinions

What do you think about DKV Integral?

DKV Integral opinions single
A health insurance that is suited to what I use

I was looking for a policy where general check-ups with specialists were cheaper: annual visit to the gynaecologist, vision check-up, going to the chiropodist, etc. Also being able to go to the dentist for the same amount is great.

María Gracia
Testimonial DKV Integral
The best thing is the quality of the service and its medical directory

Since we decided to have children, we knew we wanted to rely on an insurance like this. We are delighted, because we have a paediatrician close to home, and we use of Quiero cuidarme Más for small consultations.

Isabel López
Senior customer opinions
Everything we need without paying more

For us, it is very important to be able to enjoy the best medical treatments. When we have had a health problem, they have been quick with the proceedings and authorisations.

Miguel Hernández

Once your healthcare has been covered

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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

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.

Conditions of price from*

  • Price from DKV Integral Complet: Calculation for a 9-year-old person residing in Aragon, Castilla y León, Asturias, Gipuzkoa, Lugo or Orense.

  • Price from DKV Integral Classic: Calculation for a 9-year-old person residing in Aragon, Castilla y León, Asturias, Gipuzkoa, Lugo or Orense.

  • 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.

You are a DKV customer

Please call us on:

976 506 000

Exclusive mutual society members

Please call us on:

976 768 999

You aren't a DKV customer