Reimbursement insurance

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

Medical directory
Freedom to choose

Choose the doctor and centre you want around the world

Taking out the insurance
Fast reimbursement

Commitment to reimburse expenses in less than 7 days

Online procedures through the app
Procedures through the App

Request the reimbursement via the App, directly with an image

Video consultation and chat with specialists
Contact a doctor on your mobile phone

Unlimited video consultations with specialists and 24h chat, wherever you are.

Compare the coverage of our most popular reimbursement health insurance policies

Cover and prices of health insurance with reimbursement of expenses

Reimbursement insurance policies allow you to choose freely the physicians and centres of your choice, even if they are not included in DKV's medical directory.


DKV Mundisalud Complet

80% reimbursement of medical expenses in Spain and 90% abroad, with a limit of €62,000.

DKV Mundisalud Classic

80% reimbursement of medical fees in Spain and 90% abroad, with a limit of €237,000.

DKV Mundisalud Elite

90% reimbursement of medical expenses in Spain and abroad, with a limit of €310,000.

DKV Top Health ®

Visit any doctor or hospital around the world, with full reimbursement of expenses.

Access to all doctors and health centres around the world

Consultations in all medical specialities, diagnostic tests, and hospital care for medical or surgical treatment in both the DKV Network of Healthcare Services and in non-affiliated centres.

Dental policy included

Consultations, extractions, stomatological treatment, fluoridations, dental cleans and dental x-rays associated with these treatments. Sealants and fillings for children under 14 years. Rest of services with discount.

Video consultation and chat service: general medicine and specialists

Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.

Podiatry, physiotherapy and rehabilitation

No limit on sessions.

Reimbursement in less than 7 days

Reimbursement in less than 7 days

Reimbursement of medical expenses in Spain
80% up to 67,000 euros/year 80% up to 237,000 euros/year 90% up to 310,000 euros/year 100% With no limits
Reimbursement of medical expenses abroad
90% up to 67,000 euros/year 90% up to 237,000 euros/year 90% up to 310,000 euros/year 100% With no limits
Reimbursement of pharmacy expenses

50% up to 100 euros/year

Reimbursement for vaccinations

We reimburse up to €50 per vaccine with a total limit of €150 per customer per year.

Assisted reproduction
Reimbursement of auxiliary means and optician expenses
no no no
Spa treatment
no no no

Spa treatment


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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:

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

  • Childbirth, except for premature deliveries: 8 months

  • Transplants: 12 months

  • 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.

Frequently asked questions about reimbursement insurance

We resolve your most frequent queries 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.

What modalities of mixed reimbursement insurance are there?

DKV offers 3 mixed reimbursement insurance policies:

• DKV Mundisalud

• DKV Residentes

• DKV Top Health

Each of them have several modalities, with their own and different reimbursement limits. This way, the insurance policy is better suited to the needs of each customer.

What is a mixed reimbursement medical insurance?

DKV's mixed reimbursement insurance provides insured persons a free choice of doctors or centres, even if they are not included in the arranged ‘DKV Network of Healthcare Services’. In this case DKV will reimburse the invoices paid according to the percentages and limits specified in the table of coverage and limits attached to the specific terms and conditions of the policy (external services care modality).

How do I take out reimbursement insurance?

On our website, at our offices/branches, by calling and speaking to an expert sales agent or by leaving your details so that we can contact you.

What medical expenses are covered by the mixed reimbursement insurance?

The cover depends on the insurance policy taken out.

How do I apply for reimbursement in your insurance?

You can request the reimbursement of medical expenses by means of any of these four options:

• Through the customer area, by sending us the bill and filling out a form.

• Via the DKV Reembolso app.

• At your nearest branch.

• By post: DKV Seguros, Unidad de Reembolso Nacional. Apartado 20 08960, Sant Just Desvern (Barcelona).

Where can I check the status of the reimbursement of expenses?

• If you have requested a reimbursement through the customer area, you can check on it at the same place.

• If the request has been made by mail or at a branch, you can call 976 814 983 - 900 814 390 or go to your nearest branch.

• If you have requested it through the DKV Reembolso app, you can do so via the app itself.

How long will my reimbursement take?

At DKV, we commit to reimbursing the amount in less than 7 days. It is one of the most competitive limits on the market.

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

Visit your nearest agent

We’ll call you

We’ll call you

Once your healthcare has been covered

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