DKV Mundisalud

DKV Mundisalud, the reimbursement insurance, DKV Mundisalud

Choose the doctor or hospital you want to go to, whether affiliated or not, and we will reimburse between 80% and 90% of total expenses in less than seven days.

From €46/month*




Why choose DKV Mundisalud

All the advantages of your reimbursement medical insurance

Taking out the insurance
7 days maximum to receive your reimbursement of expenses
Best hospitals in the country
Up to €650,000 of annual overall limit
More than €23,083,729 reimbursed to customers in a single year
Video consultation and chat with specialists
Virtual consultations with specialists, wherever you are
Taking out insurance by phone

Calculate and take out your reimbursement health insurance

Call us with no strings attached at 876 14 70 77 and have an expert inform and help you throughout the process.

All the details about DKV Mundisalud

An insurance with the world's most prestigious specialists at your fingertips

Cover and services

The DKV Mundisalud health insurance allows you freedom to choose the specialist or medical centre you wish to visit, anywhere in the world, regardless of whether they are part of our medical directory. 

You will have access to over 51,000 doctors and 1,000 affiliated centres within the DKV medical directory in Spain with full cover, and you will be able to choose freely the centre or doctor with a reimbursement of 80% or 90% of the service's expenses.


Cover included in DKV Mundisalud


  • Direct access to all the specialists and centres worldwide

    Both in Spain and abroad, you can go to any medical centre, whether it is part of the DKV medical directory or not, and we will reimburse between 80% and 90% of your total expenses

  • Primary care and specialists

    Direct access to all specialities: general practice, paediatrics, nursing, ambulances, all medical specialities (cardiology, dermatology, traumatology gynaecology...) and diagnostic and therapeutic means: ultrasounds, magnetic resonances, CAT scans, radiotherapy, lithotripsy, etc.

  • Surgery and hospitalisation

    Cancer treatments, PET/EMR in oncology, kidney treatments among others, surgery, hospitalisation (ICU and pregnancy-related included), prostheses and much more! In addition, you will have your own room so that you are comfortable, with an extra bed for your companion.

  • Accident cover

    Always covered, for any unexpected event. If you have any kind of occupational or traffic accident, don't worry, we will help you.

  • Dental coverage

    Unlike other health insurance policies within the sector, yours will include dental cover. More than 50 free services and the rest with large discounts.

  • Home services

    Home tests and physiotherapy, in level 3 dependency. Access only through the DKV Network of Healthcare Services.

  • Pharmacy coverage

    We will reimburse 50%* of the cost of medicines prescribed by your doctor, with a limit of €100 per customer per year. *At DKV Mundisalud Premium, the reimbursement is 70% in pharmacy expenses.

  • Reimbursement for vaccinations

    Rotavirus, HPV rescue, B-Bexsero meningitis..., we reimburse up to €50 per vaccine with a total limit of €150 per customer per year.

  • Podiatry, physiotherapy and rehabilitation

    No limit on sessions!

  • Psychology and psychotherapy

    20 sessions/year and 40 for eating disorders, bullying at school, cyber-bullying, occupational stress and gender-based or domestic violence.

Health services


  • Fast and agile reimbursement

    100% reimbursement of bills as soon as possible, within 7 days, and through the app with a photo of the bill.

  • Second medical opinion

    For any serious illness, you can compare a diagnosis and obtain a second medical opinion.

  • Telephone advice helplines

    Medical advice helpline at any time and from anywhere. If you are worried about a symptom, call us and an agent on one of our 10 helplines will be happy attend to you: 24h care general medicine, psychoemotional, nutrition, women's health, sports health, pregnancy, paediatrics, childhood obesity and tropical medicine.

  • Video consultation and chat with a doctor

    You will be able to contact a doctor by phone, video call or chat. Enjoy virtual consultations with medical specialists: as well as chatting with your health coach to improve your lifestyle and with a midwife if you are pregnant or just gave birth to a baby. Getting a first medical opinion has never been so easy. In addition, you can store your health documents (reports or tests) and have all your electronic prescriptions handy with the app.

  • Orthoptics treatment for children

    Reimbursement of fees for treatment for lazy eye or strabismus in children under 10 years of age (limit of €35/session)

  • Cataract surgery lenses

    Monofocal, multifocal and toric intraocular lens for cataract surgery.

  • Assisted reproduction services included

    Fulfil your dream of becoming a mother thanks to the latest technology in assisted reproduction.

  • Latest technology in medicine

    Access to the most advanced diagnostic techniques and procedures, such as the Da Vincci robotic surgery, 3D colonoscopy and 3D/4D ultrasound.

  • Biomechanical gait analysis

    Biomechanical gait analysis every five years for adults and every two years for children under 15 years old at Podoactiva centres.

  • Nutritionist

    Nutritionist, 20 sessions per year, for the treatment and management of obesity.

  • Always thinking about your comfort: payment for use in complementary health services

    Discounts on complementary services, such as cosmetics, nutrition, sports, elderly care and babysitting. Through DKV Club de Salud y Bienestar and with no payment until you use the service.

Waiting periods

All provisions can be used from day one, except for:

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

  • Biomechanical gait analysis: 6 months

  • Childbirth (except for premature births): 8 months

  • Transplants: 12 months

Reimbursement limits and modalities

There is no expense limit if you use the DKV medical directory; in all other cases, the limits depend on the modality contracted.

  • DKV Mundisalud Complet: overall limit of 62,000 euros.

  • DKV Mundisalud Plus: overall limit of 160,000 euros.

  • DKV Mundisalud Classic: overall limit of 237,000 euros.

  • DKV Mundisalud Élite: overall limit of 310,000 euros.

  • DKV Mundisalud Premium: overall limit of 650,000 euros.

* DKV Mundisalud features an 80% reimbursement of expenses in Spain and 90% abroad, except for the DKV Mundisalud Élite and DKV Mundisalud Premium modalities, which feature a 90% reimbursement in both Spain and abroad.

Consultations here los detalles de los límites de reembolso

DKV digital

We provide you with tools to make your life easier and take care of your health

Quiero Cuidarme Más App

Quiero Cuidarme Más App


Comprehensive management of the most important aspects of your health

DKV Reimbursement of expenses

DKV Reembolso App


The application with which you are reimbursed all your expenses without going to a branch or scanning documents.
You can also process the reimbursement of expenses through the private customer area.

Quiero Cuidarme Blog

Quiero Cuidarme blog

Health tips

Find answers to your questions about health in articles written and backed by our team of doctors and experts.

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Any insurance policy must start with a commitment

The best conditions to take out insurance

Age for taking out insurance
Maximum age to take out the insurance

With one of the highest age limits for taking out insurance in the market; up to the age of 75 in the individual modality.

Conditions and commitment
No termination of the insurance contract

We offer you insurance for your whole lifetime. We will not cancel the contract if you have been with us for three years, nor will we raise the price if you frequently use the health insurance.

Taking out the insurance
Savings in your domestic economy

Discount for family policies: 7% if you are four insured persons, or 12% if you are five or more. Plus an additional 7.5% for making an annual payment.

Satisfied customers
Transparency and clear language

The insurance contract is renewed automatically at the end of the calendar year. We will inform you on your policy's new features with enough time before it expires, so you can make a decision.

If you have already decided to take out DKV Mundisalud

We help you to take out your reimbursement insurance in a few steps

Satisfied customers

Calculate your insurance

Enter the details of the insured persons so we can offer the options that best suit you.

Taking out the insurance

Taking out the insurance

Take out the health insurance and enjoy it by completing just 5 steps.

Conditions and commitment


We will confirm if the process of taking out the insurance has been completed successfully. You will receive all the documentation by postal mail.

Our customers' opinion is very important to us

What do they think about DKV Mundisalud?

Testimonials DKV Mundisalud travel
A health insurance that comes with me wherever I go

For professional reasons, I travel a lot abroad, and I needed the peace of mind of being able to go to the doctor I want anywhere in the world. With the reimbursement insurance, I choose the doctor and centre, and in less than a week I receive in my account the reimbursement of the expenses from my visit.

Mario Gómez
Testimonials reimbursement insurance abroad
I can choose my doctor freely

My usual cardiologist was not in the medical directory. I didn't want to change, and with the Mundisalud insurance, I can continue going to his consultation. Freedom of choice and use.

Mari Carmen Pérez
Testimonials reimbursement insurance travel
Everything we need without paying more

When we decided to live in London and Madrid, one of our main concerns was taking out a medical insurance with dental cover that we could use in both countries. With Mundisalud, my family and I have found just what we need.

José Luis Fernández

Frequently asked questions about reimbursement health insurance

What is expense reimbursement insurance?

Reimbursement insurance allows you to access the company's entire medical directory, without copayment, or to choose any doctor, specialist or centre you wish in the country or abroad. In the latter case, you will have to pay for the visit or treatments directly when you receive them, after which DKV will reimburse part or all of what you paid, depending on the type of policy taken out and the specific service you have used. Each policy will have a maximum reimbursement limit for each type of medical act.

Mixed reimbursement insurance is aimed at people who want to go to specific professionals, because they are acquainted with them and they would be their first choice, and at people who frequently travel abroad and want to be covered in other countries.

Can I go to the doctor from day one?

Yes, from the first day, except for some services that have a waiting period:

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

  • Biomechanical gait analysis: 6 months

  • Childbirth (except for premature births): 8 months

  • Transplants: 12 months

Can I take out the health insurance policy online?

Fast and simple! Take out DKV Mundisalud 100% online through our website; it will only take 5 minutes:

  1. Calculate your price without any strings attached.

  2. Fill in your personal details and those of who you want to insure.

  3. Confirm your details: check that all your details are correct.

  4. Make the payment.

  5. We will give you your insurance number and send you a confirmation email so that you can enjoy all the advantages offered by DKV Integral from day one.

We also offer you a service to help you take out the insurance online; call 876 140 775 free of charge, and we will answer any query.

Am I covered outside Spain by my reimbursement health insurance?

DKV Mundisalud allows you to attend any non-affiliated doctor or centre around the world (external services), with 80%/90% reimbursement of total costs.

Up to which age can I take out my reimbursement health insurance?

Some insurers set the maximum age to take out insurance at 65 or 70 years of age. At DKV, we have the highest age for taking out insurance on the market: up to the age of 75, in an individual modality.

Can I use the video consultation and chat service while I am travelling?

Yes, the only requirement is to have a good internet connection. Through the Quiero Cuidarme Más app, you can resolve any health questions via video consultation, telephone or our 24-hour chat service with medical specialists, wherever you are. You can also receive your medical prescriptions, attach images, reports or analyses, request a consultation with a psychologist, with a midwife to monitor pregnancy and postpartum, and a health coach to improve your healthy-living habits.

Can I go to the doctor of my choice?

That's right. You can use the DKV medical directory, but if your trusted specialist is not in the medical directory, you will be able to attend, and we will refund you between 80% and 90% of the cost (depending on the chosen modality), and 90% if the medical centre or professional you visit is abroad.

How long does it take for the company to reimburse my medical expenses?

The reimbursement of expenses is made within 7 days of receipt of the documentation. You can send us the expense invoice through the app, attaching a photo. Quick and easy!

Once your healthcare has been covered

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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.

Ask for an appointment at your nearest branch, call us, request us to call you or take it out online.

Visit your nearest agent

Visit your nearest agent

We’ll call you

We’ll call you

We want to improve what surrounds us! With our four causes.

Are you one of us?

Against childhood obesity

Actions that fight against reducing overweight figures in children.

For the planet

We are a Zero CO2 emissions company. Our planet needs us, and we work towards protecting and recovering it.

For women's health

We no longer want to be mothers, but MalasMadres, which is why we are launching #TimeToTakeCareOfYourself

For inclusion

At the DKV Integralia Foundation, we work towards the social and professional integration of all people.

Conditions of price from*

  • Price from DKV Mundisalud Complet: Calculation for a 9-year-old person residing in Extremadura.

  • Price from DKV Mundisalud Classic: Calculation for a 9-year-old person residing in the Autonomous Region of Valencia, Almería, Cádiz, Córdoba, Huelva, Jaén, Murcia, Navarre, Málaga, the Canary Islands or Granada.

  • Price from DKV Mundisalud Élite: Calculation for a 9-year-old person residing in the Autonomous Region of Valencia, Almería, Cádiz, Córdoba, Huelva, Jaén, Murcia, Navarre, Málaga, the Canary Islands or Granada.

The premiums are valid during the campaign period.

You are a DKV customer

Please call us on:

900 810 072

Exclusive mutual society members

Please call us on:

900 810 073

You aren't a DKV customer