Health insurance with reimbursement of expenses
Medical insurance in which you can choose the doctor and hospital centre you want to go, and with a reimbursement of expenses in less than a week.
Calculate your health insurance with reimbursement of expenses
Fill out the form to see the price of your reimbursement insurance
Choose the doctor and centre you want around the world
Commitment to reimburse expenses in less than 7 days
Request the reimbursement via the App, directly with an image
Unlimited video consultations with specialists and 24h chat, wherever you are.
Waiting periods, reimbursement limits and insurance modalities
All the details to make it easier for you to choose your reimbursement insurance
Waiting periods
It is the period during which the cover cannot be used yet. The provisions of our health insurance can be used from day one. In reimbursement insurance, only the following services have waiting periods:
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Hospitalisation and surgery (including surgical prostheses): 6 months
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Childbirth, except for premature deliveries: 8 months
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Transplants: 12 months
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Biomechanical gait analysis: 6 months
Reimbursement limits and modalities
The reimbursement limits depend on the modality taken out. In reimbursement insurance if you use the DKV medical directory, there is no expense limit; it will only depend on the type of modality taken out, where we will choose the expense limit assumed by the company, ranging from 80% to 100% in some modalities.
In Top Health insurance policies, the modalities differ in terms of excess or the quantity after which the DKV Seguros' cover begins.
Are you looking for another type of insurance?
We have designed products to cover your and your family's needs according to your finances, lifestyle and use you are going to give the health insurance.
Medical directory insurance policies
More than 51,000 medical professionals available to you, plus diagnostic tests, dental cover, assistance abroad and unlimited video consultation service with specialists.
Dental insurance
More than 2,000 dentists at your disposal and 970 centres to visit. 59 free treatments and others with a 40% discount on the market price. No age limit or statement of health required to take it out.
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
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Frequently asked questions about reimbursement insurance
What is a reimbursement insurance policy?
Reimbursement insurance is a type of health insurance in which the insurance company offers a free-choice policy. The insured person is able to visit any medical professional or centre they wish, even if they are not included in the insurer's medical directory, by paying for the provided service. We'll explain more about the reimbursement insurance here.
Duration and renewal of the reimbursement insurance
The duration of the contract is stipulated in the policy. It is annual and can be renewed by calendar years. The contract is renewed automatically every year without requiring confirmation. For more information about the duration and renewal of the insurance, we explain it to you here.
Am I covered outside Spain by my mixed reimbursement medical insurance?
At DKV, we offer several types of reimbursement insurance, so you can choose the one that best suits you; among other things, they are different in terms of their cover. We explain what covers you in each case
What is the minimum period of residence in Spain?
To be able to benefit from the guaranteed services, the insured person must be a resident in Spain and have their habitual residence there. Travel or a stay away from the habitual residence may not exceed 180 consecutive days.
What are the limits in reimbursement insurance?
Depending on the modality taken out, the reimbursement limit may vary.