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.
25% off
DKV Mundisalud Complet
Reimbursement of 80% of medical expenses in Spain and 90% abroad.
Limit of €62,000
Take it out from €85/month
63 €/mes
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Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain.
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All doctors and centres around the world
Access to any medical professional or centre in Spain and abroad, even if they are not included in the DKV medical directory.
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Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
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Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation
Hospital care for medical or surgical treatment.
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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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Dental policy included
50 free treatments and the rest with major discounts.
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Psychology
20 sessions/year and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
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Podiatry, physiotherapy and rehabilitation
No limit on sessions.
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Reimbursement for pharmacy expenses and vaccinations
Pharmacy: 50% up to €100. Vaccinations: rotavirus, meningitis B (Bexsero), HPV in boys, up to €50 per vaccine with a total limit of €150/insured person/year.
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Assisted reproduction
Fulfil the dream of being a mother with fertility treatments.
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Reimbursement of optics and orthopaedic expenses
Glasses, contact lenses, wheelchairs, crutches, etc.
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Spa treatment
We cover up to 20 days to aid recovery after a minimum admission of 3 days.
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Reimbursement of medical expenses in Spain
80% up to €62,000/year.
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Reimbursement of medical expenses abroad
90% up to €62,000/year.
The best-selling policy
30% disc.
DKV Mundisalud Classic
Reimbursement of 80% of medical expenses in Spain and 90% abroad.
Limit of €237,000
Take it out from €107/month
€75/month
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Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain.
-
All doctors and centres around the world
Access to any medical professional or centre in Spain and abroad, even if they are not included in the DKV medical directory.
-
Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
-
Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
-
Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
-
Surgery and hospitalisation
Hospital care for medical or surgical treatment.
-
Video consultation and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
-
Dental policy included
50 free treatments and the rest with major discounts.
-
Psychology
20 sessions/year and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
-
Podiatry, physiotherapy and rehabilitation
No limit on sessions.
-
Reimbursement for pharmacy expenses and vaccinations
Pharmacy: 50% up to €100. Vaccinations: rotavirus, meningitis B (Bexsero), HPV in boys, up to €50 per vaccine with a total limit of €150/insured person/year.
-
Assisted reproduction
Fulfil the dream of being a mother with fertility treatments.
-
Reimbursement of optics and orthopaedic expenses
Glasses, contact lenses, wheelchairs, crutches, etc.
-
Spa treatment
We cover up to 20 days to aid recovery after a minimum admission of 3 days.
-
Reimbursement of medical expenses in Spain
80% up to €237,000/year.
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Reimbursement of medical expenses abroad
90% up to €237,000/year.
30% disc.
DKV Mundisalud
Élite
Reimbursement of 90% of medical expenses in Spain and abroad.
Limit of €310,000
Take it out from €133/month
€93/month
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Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain.
-
All doctors and centres around the world
Access to any medical professional or centre in Spain and abroad, even if they are not included in the DKV medical directory.
-
Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
-
Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
-
Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
-
Surgery and hospitalisation
Hospital care for medical or surgical treatment.
-
Video consultation and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
-
Dental policy included
50 free treatments and the rest with major discounts.
-
Psychology
20 sessions/year and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
-
Podiatry, physiotherapy and rehabilitation
No limit on sessions.
-
Reimbursement for pharmacy expenses and vaccinations
Pharmacy: 50% up to €100. Vaccinations: rotavirus, meningitis B (Bexsero), HPV in boys, up to €50 per vaccine with a total limit of €150/insured person/year.
-
Assisted reproduction
Fulfil the dream of being a mother with fertility treatments.
-
Reimbursement of optics and orthopaedic expenses
Glasses, contact lenses, wheelchairs, crutches, etc.
-
Spa treatment
We cover up to 20 days to aid recovery after a minimum admission of 3 days.
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Reimbursement of medical expenses in Spain
90% up to €310,000/year.
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Reimbursement of medical expenses abroad
90% up to €310,000/year.
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 €232/month
€162/month
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Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain.
-
All doctors and centres around the world
Access to any medical professional or centre in Spain and abroad, even if they are not included in the DKV medical directory.
-
Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
-
Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
-
Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
-
Surgery and hospitalisation
Hospital care for medical or surgical treatment.
-
Video consultation and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
-
Dental policy included
We will reimburse 80% of your dentistry bills, up to €9,000 per insured person.
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Psychology
30 sessions/year and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
-
Podiatry, physiotherapy and rehabilitation
No limit on sessions.
-
Reimbursement for pharmacy expenses and vaccinations
100% reimbursement of vaccination and medication expenses.
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Assisted reproduction
Fulfil the dream of being a mother with fertility treatments.
-
Reimbursement of optics and orthopaedic expenses
Glasses, contact lenses, wheelchairs, crutches, etc.
-
Spa treatment
We cover up to 20 days to aid recovery after a minimum admission of 3 days.
-
Reimbursement of medical expenses in Spain
Reimbursement of 100%.
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Reimbursement of medical expenses abroad
Reimbursement of 100%.
All the details to make it easier for you to choose your reimbursement insurance
Waiting periods, reimbursement limits and insurance modalities
Waiting periods
With DKV reimbursement insurance, you can use all the medical services and cover from day one, except:
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Transplants: 12 months
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Surgical procedures, hospitalisation and prostheses: 8 months
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Childbirth (except for premature deliveries or C-sections): 8 months
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Outpatient surgical procedures and acts: 6 months
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High-tech diagnostics: 6 months
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Biomechanical gait analysis: 6 months
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Proton therapy in paediatric tumours: 8 months
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Healthcare for HIV/AIDS: 12 months
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Psychotherapy sessions: 6 months
Reimbursement limits and modalities
The reimbursement limits vary according to the modality taken out:
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DKV Mundisalud Complet: overall limit of €62,000. Reimbursement of 80% in Spain and 90% abroad.
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DKV Mundisalud Classic: overall limit of €237,000. Reimbursement of 80% in Spain and 90% abroad.
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DKV Mundisalud Élite: overall limit of €310,000. Reimbursement of 90% in Spain and 90% abroad.
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DKV Top Health: with no reimbursement limit. Reimbursement of 100% in Spain and abroad.
In DKV reimbursement insurance policies, there is no expense limit if you use the medical directory.
Are you looking for another type of insurance?
We have designed insurance 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 health insurance
We resolve your most frequent queries about reimbursement insurance
What is a reimbursement health insurance policy?
Reimbursement health insurance is a type of health insurance policy that allows the insured person to freely choose the doctor or medical centre they want to visit, even if not part of the DKV affiliated medical directory. The insured person pays for the service directly, and can then request reimbursement from the insurer.
If you take out a reimbursement health insurance policy, DKV will reimburse your costs depending on the limit you have taken out and within 7 days.
Can I visit any doctor or health centre?
With reimbursement health insurance, you can freely choose your doctor or health centre, even if they are not part of the DKV affiliated medical directory.
Can I visit medical centres abroad with reimbursement insurance?
With DKV reimbursement insurance, you have complete freedom to choose your preferred specialist or medical centre. You can visit your doctor or centre of choice anywhere in the world.
Which reimbursement insurance policies are offered by DKV?
DKV offers various reimbursement insurance options so you can choose the best plan for your needs:
DKV Mundisalud reimbursement insurance: an insurance policy that offers you different options and reimbursement limits
See details of DKV Mundisalud insurance.
DKV Residentes reimbursement insurance: an insurance policy designed for Germans resident in Spain, we will reimburse 100% of medical expenses in Germany
See details of DKV Residentes insurance.
DKV Top Health reimbursement insurance: A reimbursement health insurance policy unlike any other on the market, reimbursement of 100% of expenses
What are the limits in reimbursement insurance?
The reimbursement limits can vary according to the type of insurance and plan taken out. Below, we will show you the details of our reimbursement insurance, so that you can see the specific limits of each one.
See details of DKV Mundisalud insurance reimbursement limits
See details of DKV Top Health insurance reimbursement limits
See details of DKV Residentes insurance reimbursement limits