Expense reimbursement insurance
Medical insurance in which you can choose the doctor and hospital you want to go.
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You can enjoy access to our extensive medical directory.
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Visit any doctor or centre in the world.
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Receive the reimbursement of medical expenses in less than a week.
Why choose reimbursement insurance with DKV?
Choose the doctor and centre you want around the world.
Committed to providing the reimbursement 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.
What medical insurance includes the cover and services I need?
Compare the cover of our reimbursement health insurance policies.
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.
30% disc.
DKV Mundisalud Complet
80% reimbursement of medical expenses in Spain and 90% abroad
LIMIT OF €62,000
take it out from €52/month
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Access to all doctors and health centres around the world
Any medical professional or centre in Spain and abroad, even if they do not work with insurers.
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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.
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Video consultation and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
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Psychology
20 sessions/year and 40 for eating disorders, bullying at school, cyber-bullying, occupational stress and gender-based or domestic violence.
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Reimbursement of pharmacy expenses
We will reimburse 100% of the cost of medicines prescribed by your doctor, as well as vaccines not covered by Social Security (Rotavirus, HPV rescue, B-Bexsero meningitis, etc.). We will reimburse up to €50 per vaccine with a total limit of €150 per customer per year.
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Reimbursement of expenses
Within 7 days through the app, simply by uploading a photo of the bill
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Reimbursement of auxiliary means and optician expenses
Optics (lenses and contact lenses) and orthopaedics (wheelchairs, crutches, etc.)
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Spa treatment
You are covered for 20 days of spa and thermal bath treatment to aid in your recovery after hospitalisation.
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30% disc.
DKV Mundisalud Classic
80% reimbursement of medical expenses in Spain and 90% abroad
LIMIT OF €237,000
take it out from €68/month
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Access to all doctors and health centres around the world
Any medical professional or centre in Spain and abroad, even if they do not work with insurers.
See more -
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.
See more -
Video consultation and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
See more -
Psychology
20 sessions/year and 40 for eating disorders, bullying at school, cyber-bullying, occupational stress and gender-based or domestic violence.
See more -
Reimbursement of pharmacy expenses
We will reimburse 100% of the cost of medicines prescribed by your doctor, as well as vaccines not covered by Social Security (Rotavirus, HPV rescue, B-Bexsero meningitis, etc.). We will reimburse up to €50 per vaccine with a total limit of €150 per customer per year.
See more -
Reimbursement of expenses
Within 7 days through the app, simply by uploading a photo of the bill
See more -
Reimbursement of auxiliary means and optician expenses
Optics (lenses and contact lenses) and orthopaedics (wheelchairs, crutches, etc.)
See more -
Spa treatment
You are covered for 20 days of spa and thermal bath treatment to aid in your recovery after hospitalisation.
See more
30% disc.
DKV Mundisalud Elite
90% reimbursement of medical expenses in Spain and abroad
LIMIT OF €310,000
take it out from €87/month
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Access to all doctors and health centres around the world
Any medical professional or centre in Spain and abroad, even if they do not work with insurers.
See more -
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.
See more -
Video consultation and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
See more -
Psychology
20 sessions/year and 40 for eating disorders, bullying at school, cyber-bullying, occupational stress and gender-based or domestic violence.
See more -
Reimbursement of pharmacy expenses
We will reimburse 100% of the cost of medicines prescribed by your doctor, as well as vaccines not covered by Social Security (Rotavirus, HPV rescue, B-Bexsero meningitis, etc.). We will reimburse up to €50 per vaccine with a total limit of €150 per customer per year.
See more -
Reimbursement of expenses
Within 7 days through the app, simply by uploading a photo of the bill
See more -
Reimbursement of auxiliary means and optician expenses
Optics (lenses and contact lenses) and orthopaedics (wheelchairs, crutches, etc.)
See more -
Spa treatment
You are covered for 20 days of spa and thermal bath treatment to aid in your recovery after hospitalisation.
See more
30% disc.
DKV Top Health®
Visit any doctor or hospital around the world, with full reimbursement of expenses.
NO EXPENSE LIMIT
take it out from €150/month
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Access to all doctors and health centres around the world
Any medical professional or centre in Spain and abroad, even if they do not work with insurers.
See more -
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.
See more -
Video consultation and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
See more -
Psychology
20 sessions/year and 40 for eating disorders, bullying at school, cyber-bullying, occupational stress and gender-based or domestic violence.
See more -
Reimbursement of medical expenses in Spain
Choose a modality with an excess of €600, €1,200 or NO excess
See more -
Reimbursement of medical expenses abroad
Choose a modality with an excess of €600, €1,200 or NO excess
See more -
Reimbursement of pharmacy expenses
We will reimburse 100% of the cost of medicines prescribed by your doctor, as well as vaccines not covered by Social Security (Rotavirus, HPV rescue, B-Bexsero meningitis, etc.). We will reimburse up to €50 per vaccine with a total limit of €150 per customer per year.
See more -
Reimbursement of expenses
Within 7 days through the app, simply by uploading a photo of the bill
See more -
Reimbursement of auxiliary means and optician expenses
Optics (lenses and contact lenses) and orthopaedics (wheelchairs, crutches, etc.)
See more -
Spa treatment
You are covered for 20 days of spa and thermal bath treatment to aid in your recovery after hospitalisation.
See more
Waiting periods, reimbursement limits and insurance modalities
All the details to make it easier for you to choose your reimbursement insurance
Waiting periods
With DKV reimbursement insurance, you can use all the medical services and cover from day one, except:
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Hospitalisation and surgical procedures (including prostheses): 6 months
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Biomechanical gait analysis: 6 months
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Childbirth (except for premature births): 8 months
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Transplants: 12 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 consultations with specialists.
Insurance without copayments
Choose health insurance without copayments if you are going to use your insurance frequently, with a fixed monthly payment regardless of its use.
Funeral insurance
The funeral insurance that supports your family at all times. One of the best funeral services, with transfer and repatriation to your country of origin.
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
Call us
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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.