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.
TAKE IT OUT FOR A LIMITED TIME WITH A 36% DISCOUNT
Why choose DKV Integral
All the advantages of your medical directory insurance
51,000+ medical professionals available.
7 of the 10 best hospitals in the country.
FREE dental cover.
Unlimited consultations with specialists by video call and chat
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 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
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Primary care
General practice, emergencies, paediatrics, ambulances, analyses...
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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.
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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.
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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.
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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.
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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!
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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!
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Podiatry, physiotherapy and rehabilitation
No limit on sessions!
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Home services
Home tests and physiotherapy, in level 3 dependency. Access through the DKV Network of Healthcare Services.
Health services
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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.
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Medical phone lines
A A 24h medical helpline and a 24h paediatric helpline to take care of your children's health at any time.
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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.
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Nutritionist
Treatment and management of obesity, up to 20 sessions per year.
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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.
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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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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.
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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:
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Hospitalisation and surgery (including surgical prostheses): 6 months
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Biomechanical gait analysis: 6 months
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Childbirth (except for premature births): 8 months
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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:
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With high copayment: Complet
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With low copayment: Classic
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No copayment: Élite
Example of consultation:
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General medicine, paediatrics and nursing (€12 with DKV Integral Complet, €1.95 with DKV Integral Classic)
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Other specialities (€20 with DKV Integral Complet, €2.95 with DKV Integral Classic)
Consult all copayments 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
€12 General Medicine, Paediatrics and Nursing
€20 Specialities
Medical directory health insurance
DKV Integral Classic
Low Copayment
€1.95 General Medicine, Paediatrics and Nursing
€2.95 Specialities
Most sold option
Medical directory health insurance
DKV Integral Élite
Without copayment
Everything is included in your instalment, zero worries and unforeseen events
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
With one of the highest age limits for taking out insurance in the market; up to the age of 75 in the individual modality.
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
Discover the new Activa DKV app!
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View your medical directory.
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Manage your authorisations.
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If you have a reimbursement insurance, manage your invoices.
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Your digital medical card and virtual assistant that will help you with whatever you need.
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Manage your insurance documentation, contact details and payment methods.
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Immediately contact DKV via chat.
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Find your nearest branch or office
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Digital health services through the Quiero cuidarme Más app: video consultation and chat with specialists, pharmacy, health folder, psychotherapy service, and more.
Our customers' opinions
What do you think about DKV Integral?
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.
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.
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.
Frequently asked questions about DKV Integral health insurance
Can I go to the doctor from day one?
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
Can I take out the health insurance policy online?
Fast and simple! Take out DKV Integral 100% online through our website; it will only take 5 minutes:
Calculate your price without any strings attached.
Fill in your personal details and those of who you want to insure.
Confirm your details: check that all your details are correct.
Make the payment.
We will give you your insurance number and send you a confirmation email so that you can enjoy all the advantages offered by DKV Integral from day one.
We also offer you a service to help you take out the insurance online; call 876 140 775 free of charge, and we will answer any query.
How can I change to DKV from another insurance company?
If you have a policy with another company, you will have to fill out the application and health questionnaire to make the change. As a new insured person from another company, there will be no waiting periods, but no pre-existing conditions will be accepted.
Up to which age can I take out my health insurance?
Can I use the video consultation and chat service while I am travelling?
Yes, the only requirement is to have a good internet connection. Through the Quiero Cuidarme Más app, you can resolve any health questions via video consultation, telephone or our 24-hour chat service with medical specialists, wherever you are. You can also receive your medical prescriptions, attach images, reports or analyses, request a consultation with a psychologist, with a midwife to monitor pregnancy and postpartum, and a health coach to improve your healthy-living habits.
What does the dental service include?
We offer you more than 50 free services (including check-ups, X-rays and cleaning) and others at very special prices. Most insurers charge a supplement for this service. In addition, there are more than 1,500 dentists at your disposal.
If my trusted doctor if not included in the DKV medical directory, what can I do?
You have the option of adding whichever paediatrics or gynaecology service you wish, even if it is not included in the medical directory.
What does travel assistance include?
With your DKV medical directory insurance, you will enjoy worldwide travel assistance cover, which in the event of an emergency guarantees the provision of medical assistance abroad where the journey is less than 180 days and up to a limit of 20,000 euros.
Once your healthcare has been covered
Complementary health insurance that may interest you
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. We will reimburse between 80% and 90% of the total expenses.
Health insurance with a personal doctor
Personal Doctor by DKV
Personal doctor is a new medical experience, with all the cover provided by a comprehensive health insurance and the assurance of having your personal doctor, who you will know and will know you, available for whatever you need.
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.
Ask for an appointment at your nearest branch, call us, request us to call you or take it out online.
Visit your nearest agent
Call us
We’ll call you
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 #TimeToTakeCareOfYourself
At the DKV Integralia Foundation, we work towards the social and professional integration of all people.
Price from
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.