DKV Modular

DKV Modular

Made-to-measure health insurance. Only take out the cover you really need.

  • Module A: primary care, paediatrics, nursing services
    and 24-hour medical emergencies

  • Module B: Specialists and diagnostic resources

  • Module C: hospitalisation and surgical procedures

From €8/month


All the advantages of your health insurance

Why choose DKV Modular

Medical directory
Choose the doctor and centre you want to go to
Best hospitals in the country
21 affiliated medical centres with extensive opening hours
Taking out the insurance
7 different customisations for your health insurance
Video consultation and chat with specialists
Free unlimited video consultations without leaving home
Taking out insurance by phone

Calculate and take out your health insurance now

Call us with no strings attached at 974 887 010 and have an expert inform and help you throughout the process.

All the details about DKV Modular

Access the best private medical care, only paying for the medical insurance
you're interested in

Cover and services

You make take out only the modules you are going to need, and access a medical directory with the best specialists and medical centres in Spain.

DKV Modular provides you the option of obtaining access to the best private medical care, paying for the medical insurance you're interested in: primary care, specialists or hospitalisation.

Available modules

Module A: Primary care

  • General medicine at a clinic and at home

  • Paediatrics and childcare

  • Ambulances

  • Basic clinical analyses

  • Medical and paediatric emergencies

Module B: Specialists

  • All specialities: Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests.

  • Treatments in the clinic.

  • 20 sessions per year of psychotherapy, and 40 sessions in cases of eating disorders, school bullying, work-related stress and gender-based or domestic violence.

  • Chiropody, physiotherapy and rehabilitation with no limit of sessions or waiting periods.

  • Up to 20 sessions a year with a nutritionist. Treatment and management of obesity.

  • 3D mammogram

  • 3D/4D ultrasound during pregnancy.

  • Preventive programmes: child health, healthy pregnancy and childbirth, coronary risk prevention, women's cancer, prostate and colorectal cancer, stroke and diabetes.

Module C: Hospitalisation 

  • Hospitalisation with no limit to the number of days (except for psychiatric treatment, max. 60 days/year).

  • Extensive transplant coverage.

  • Compensation for hospitalisation when costs are not borne by DKV (€80/day, maximum €2,400)

Services included regardless of the module you take out

  • Pack your suitcases worry-free with travel assistance

    You will be covered for up to 20,000 euros on journeys of up to 180 days. One of the highest limits on the market.

  • Smile

    Unlike other health insurance policies within the sector, yours will include dental cover. More than 50 free services and the rest with large discounts.

  • Video consultation and chat with a doctor

    You will be able to contact a doctor by phone, video call or chat. Enjoy virtual consultations with medical specialists: as well as chatting 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

    Your medical helpline available 24h. Paediatric medical helpline to take care of your children's health, as well as a pregnancy medical helpline, women's medical helpline or more specific helplines to treat overweight and obese children.

  • Medical care in accidents

    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 (depending on the modules taken out).

  • Second medical opinion

    If you want to compare the diagnosis of a serious illness and need a second opinion, look no further.

  • Optional coverage for signing up on the phone

    Capital in the event of death or disability, additional income after a traffic accident and additional capital for funeral expenses.

  • 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 the DKV Modular insurance all provisions can be used from day one; only the following services are subject to a waiting period:

  • Hospitalisation and surgical procedures (including prostheses): 6 months

  • Biomechanical gait analysis: 6 months

  • Childbirth (except for premature deliveries): 8 months

  • Transplants: 12 months


The 'co-payment' is the amount you have to pay when you use certain services.

> See DKV Modular's copayments

If you have already decided to take out DKV Modular

We help you to take out your health insurance in a few steps

Happy customers

Calculate your insurance

Enter the details of the insured persons so we can offer the options that best suit you.

Taking out the insurance

Taking out the insurance

Take out the health insurance and enjoy it by completing just 5 steps.

Conditions and commitment

Client Area

We will confirm if the process of taking out the insurance has been completed successfully. You will receive all the documentation by postal mail.

Any insurance policy must start with a commitment

The best conditions to take out insurance

Age for taking out insurance
Maximum age to take out the insurance

The highest in the market: up to the age of 75, in an individual policy.

Conditions and commitment
No termination of the insurance contract

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.

Taking out the 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.

Happy customers
Transparency and clear language

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.

Our customers' opinion is important to us

What do you think of the DKV Modular insurance?

Testimonials DKV Modular Fabiola
I want to choose a centre, doctor and consultation hours

I have flexible working hours, and I needed an insurance in which I could choose the centre and doctor, as well as the time of the consultation. With DKV Modular I can do this, and I can also go to 8 of the 10 best hospitals in Spain. What more can I ask for?

Fabiola Morales
Testimonial DKV Modular male
Pay only for the services I use

I don't go to the doctor very much, but as a matter of prevention, I want to enjoy private healthcare and not have to wait. After looking hard, I found DKV Modular, and I have been able to take out a personalised insurance. I recommend it.

Jesús Pastor
Testimonials DKV Modular family
Everything we need without paying more

With DKV Modular, my doctor is always with me. If I have any doubts or queries, I can make a call, video call or use the chat free of charge quickly and easily. It's very reassuring if you have children at home.

Nora Fernández

DKV digital

We provide you with tools to make your life easier and take care of your health

Quiero Cuidarme Más App
Quiero Cuidarme Más App

Comprehensive management of the most important aspects of your health

Customer Area
Customer Area

The tool with which to access your customer profile

Quiero Cuidarme Blog
Quiero Cuidarme blog
Health tips

The DKV blog with which to learn how to take care of yourself with health advice for all the family.

Go to the blog and subscribe to receive the latest articles every week in your email.

Once your healthcare has been covered

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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.

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