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.


The offer ends on...


Why choose DKV Integral

All the advantages of your medical directory insurance

Medical directory

+51,000 medical professionals at your disposal and 7 of the 10 best hospitals in the country.

video conference

Consultations with specialists by video call and chat, midwife, coach and pharmacy.

Dental coverage

Included in your free policy. More than 50 dental treatments at no additional cost.

travel assistance

Up to 20,000 euros in travel assistance on trips abroad of less than 180 days.

Taking out insurance by phone

Request information and take out health insurance now

Llámanos GRATIS sin compromiso al 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 51,000 professionals and 1,000 affiliated centres all over Spain. In addition, we use 7 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.

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.

  • 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

See all copayments for 2024 by modality here.

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

➜ €13.50 General Medicine, Paediatrics and Nursing

➜ €23 Specialities

Price from



33% discount

About the final price

Calculate my insurance

Medical directory health insurance

DKV Integral Classic

Low Copayment

➜ €2.30 General Medicine, Paediatrics and Nursing

➜ €3.50 Specialities

Price from


30 €/Mes*

33% 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



33% 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.

Family savings

7% discount 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 before it expires

Information about the DKV Integral insurance to view later

Download the documentation

Discover the new Activa DKV app!


  • View your medical directory.

  • Your digital medical card.

  • Manage your insurance: documentation, contact details, medical authorisations, invoices (for reimbursement insurance)

  • Contact DKV: by chat, phone or nearest branch.

  • Digital health services through the Quiero cuidarme Más app: video consultation and chat with specialists, pharmacy, health folder, psychotherapy service, and new online physiotherapy service.

See more details of the Activa DKV app

Once your healthcare has been covered

Complementary health insurance that may interest you

DKV Mundisalud

Reimbursement health insurance

DKV Mundisalud

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. 

Personal doctor, health insurance with a personal doctor

Health insurance with a personal doctor

Personal Doctor by DKV

A new medical experience with all the cover of a comprehensive health insurance policy and the reassurance of having your own personal doctor.

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.

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

Visit your nearest agent

We’ll call you

Te llamamos GRATIS

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:

900 810 072

Exclusive mutual society members

Please call us on:

900 810 073

You aren't a DKV customer