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 means
Module C: hospitalisation and surgical procedures
All the advantages of your health insurance
Why choose DKV Modular
Choose the doctor and centre you want to go to
21 affiliated medical centres with extensive opening hours
7 different customisations for your health insurance
Free unlimited video consultations without leaving home
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.
Module A: Primary care
General medicine at a clinic and at home
Paediatrics and childcare
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/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.
Unlike other health insurance policies within the sector, yours will include dental service cover.
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.
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
Calculate your insurance
Enter the details of the insured persons so we can offer the options that best suit you.
Taking out the insurance
Take out the health insurance and enjoy it by completing just 5 steps.
We will confirm if the process of taking out the insurance has been completed successfully. You will receive all the documentation by postal mail.
Information about the DKV Modular insurance to view later
Download the documentation
Discover everything that your medical insurance offers you: cover, additional services and digital health. So that, whatever happens, you are always financially covered.
Go over the information document about the insurance product.
Any contract starts with a commitment. Ours, offering you an income insurance policy that pays you from the first day. In addition, if the leave is due to pregnancy or adoption, you will have up to 20 times the amount of money you have contracted.
Any insurance policy must start with a commitment
The best conditions to take out insurance
The highest in the market: up to the age of 75, in an individual policy.
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.
Our customers' opinion is important to us
What do you think of the DKV Modular insurance?
We provide you with tools to make your life easier and take care of your health
Once your healthcare has been covered
Complementary insurance that may interest you
The most comprehensive medical directory insurance with which you enjoy full cover: primary care, specialists, diagnostic tests, hospitalisation, dental services and access to telemedicine.
Access to the best treatments all over the world, paying only what you need: cancer treatments, coronary heart diseases
DKV Protección familiar
The death insurance that supports your family in difficult times. Eco-funeral and erasure of digital identity service
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 #LaHoraDeCuidarse
At the DKV Integralia Foundation, we work towards the social and professional integration of all people.