Medical directory health insurance

Customers who take out health insurance with DKV can benefit from the following discounts, which may vary depending on the insurance policy:
 

• Discounts according to the payment method: 2.8% (quarterly payment), 4.6% (half-yearly payment) and 7% (yearly payment).

• Discounts according to the number of insured persons: 7% (four insured persons), 12% (more than four insured persons)

• Discounts applicable based on the current promotion.

These discounts can be accumulated.

At DKV, you have dental coverage included in your health insurance: up to 50 dental treatments at no additional cost and others with great discounts. An added value compared to other companies. 

If you have health insurance with another company and you want to come to DKV, know that any waiting periods shall not be considered, provided that your current health policy has the same (or higher) cover than the one you are going to take out with us.

If it has less cover, we shall eliminate the waiting periods in any similar cover, but we shall maintain them in the new cover of the insurance policy taken out.

With regard to waiting periods for pregnancy, they shall not be eliminated.

There must also be continuity between your current insurance policy and the new policy. That is, no more than 60 days can elapse from the date you leave the former company.

We will explain to you how the duration of the health insurance policy works, when it expires and its renewal.
 

Ver detalle de la duración de tu seguro aquí

With a medical directory health insurance, you can go to any doctor or hospital in our medical directory.

We currently have more than 51,000 healthcare professionals and 1,000 centres available for you. Además, DKV cuenta con 93 de los 100 mejores hospitales del país.

You can consultar nuestro cuadro médico aquí.

A waiting period is the time specified in the contract, which begins from the start of the insurance policy, during which some of the policy's coverage does not apply. This time is calculated in months from the date on which the policy begins to be valid, and is applied to each insured person.

With DKV, you can use all the medical services and cover from day one, except:
 

• Transplants: 12 months.

• Surgical procedures, hospitalisation and prostheses: 8 months

• Childbirth (except for premature deliveries or C-sections): 8 months

• Outpatient surgical procedures and acts: 6 months

• High-tech diagnostics: 6 months

• Biomechanical gait analysis: 6 months

• Proton therapy in paediatric tumours: 8 months

• Healthcare for HIV/AIDS: 12 months

• Psychotherapy sessions: 6 months

At DKV, we have the highest age for taking out insurance on the market. You can take out a heath insurance policy until 75 years of age.

We also have health insurance with no age limit, such as DKV Famedic Plusan affordable insurance plan with basic coverage, designed for everyone, with no restrictions or age limits.

Yes, before attending physiotherapy sessions, you will first have to go to a specialist in traumatology, neurology, rheumatology or a rehabilitating doctor, who will prescribe the sessions.

Insurance companies generally set a maximum limit of sessions per insured person per year. At DKV, we offer one of the most extensive limits on the market, providing up to 40 psychology consultations per insured person per year.

Más información sobre las sesiones de psicología

With each insurance contract renewal, at 31 December, the company may modify the annual premium and the costs for medical acts taking as a base the technical actuarial calculations.

Más información sobre la renovación de tu seguro

With DKV insurance, you can request a home service when, due to the condition of the ill person, going to a consultation or hospital centre is not advisable from a medical point of view. 

Más información sobre el servicio médico a domicilio

We understand as a family unit all relatives who live in the same family home and want to be beneficiaries of the insurance.

We also offer you advantages if you take out health insurance for your family: 7% discount if there are 4 insured people, and 12% if there are 5 or more.

We also have family health insurance policies, with DKV Famedic Plus you can include up to 8 family members for the same price.

The price varies according to the type of insurance, age, number of insured persons and place of residence. In addition, you can calculate the price of our health insurance policies below:

You can calculate the price of your health insurance here

The date the policy enters into force or the start date of the insurance policy is when the guarantees covered by the policy become effective. At that time, the customer can start using the insurance coverage.

A pre-existing condition is a health condition (e.g. pregnancy), alteration or organic disorder that existed before the time the insurance was taken out or the insured person was included in the policy, regardless of whether there is a medical diagnosis or not, and it is excluded from the cover.

You can sometimes pay a premium surcharge, which is an additional amount or complementary premium paid to cover a risk excluded from the general terms and conditions.

If you have a policy with another company, you will have to fill out the application and health questionnaire to make the change.

Due to arriving as a new insured person from another company, any pre-existing conditions and waiting periods shall not be considered, provided that your current health policy has the same (or higher) cover than the one you are going to take out with us.

If it has less cover, we shall eliminate the waiting periods in any similar cover, but we shall maintain them in the new cover of the insurance policy taken out.

With regard to waiting periods for pregnancy, we shall maintain them.

The insurance can be paid in various ways: monthly, quarterly, half-yearly or annually.

In addition, you will benefit from discounts for paying in instalments:

• The monthly payment does not have a discount.

• 2.8% discount with quarterly payment.

• 4.6% discount with half-yearly payment.

• 7% discount with annual payment.

These discounts are for insurance policies of the individual modality.

Most DKV health insurance plans include emergency medical coverage abroad. If your policy includes this coverage, you will have up to €30,000 for emergency medical assistance during trips abroad of up to 180 days.

DKV also has reimbursement health insuranceare health insurance policies that you can use to visit any medical centre in the world.

Calcula aquí el precio de nuestros seguros de salud y compara los seguros que tienen asistencia médica en el extranjero

Yes, we cover the cot and/or incubator for the newborn during hospital admission up to a maximum of 28 days.

Your comprehensive health insurance includes the administration of vaccinations included in the compulsory child vaccination programme in Spain, at certified associated vaccination centres, where the medication will be borne by the insured person, except when provided for free by the provincial Public Health authorities or similar body in the autonomous community.

When you take out health insurance, the medical directory is the most valuable benefit: having close the centres you need to visit and being able to go to a medical specialist whenever you need it.

At DKV, we have more than 51,000 affiliated professionals and 1,000 affiliated medical centres available throughout Spain. Avoid waiting lists and lengthy paperwork. We offer the professionalism of the most convenient and fastest healthcare, while you choose whatever you need at any time.

You can consultar todos los médicos y centros incluidos en medicos.dkv.es