DKV Mundisalud, the reimbursement insurance

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 €68/month*



Why choose DKV Mundisalud

All the advantages of your reimbursement medical insurance

Taking out the insurance

Reimbursement of expenses within 7 days in a simple way through the app, with just a photo of the bill

Best hospitals in the country

Reimbursement of 80% of expenses in Spain and 90% abroad. Up to €650,000 of annual overall limit

video conference

 Consultations with specialists by video call and chat, midwife, coach and pharmacy.

health folder

We will reimburse 50% of the cost of medicines prescribed by your doctor and up to €50 per vaccine.

Taking out insurance by phone

Request information and take out medical reimbursement insurance now

Call us FREE OF CHARGE 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.


See all copayments for 2024 by modality.

See copayments

What type of policy suits your needs?

DKV Mundisalud is the reimbursement insurance policy with which you can go to any doctor or centre anywhere in the world and that offers three different modalities based on the limit of expenses.

Reimbursement health insurance

DKV Mundisalud Complet

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

Price from



30% discount

About the final price

Calculate your insurance

Reimbursement health insurance

DKV Mundisalud Elite

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

➜ Includes assisted reproduction treatments

Price from



30% discount

About the final price

Calculate your insurance

Most sold option

Reimbursement health insurance

DKV Mundisalud Classic

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

➜ Includes assisted reproduction treatments

Price from



30% discount

About the final price

Calculate your insurance

You have an additional discount when choosing the payment method

Yearly payment

7% discount

About the final price

Half-yearly payment

4.6% discount

About the final price

Quarterly payment

2.8% discount

About the final price

Discover the new Activa DKV app!


  • View your medical directory.

  • Your digital medical card.

  • Manage your insurance: documentation, contact details, medical authorisations, invoices (for reimbursement insurance)

  • Contact DKV: by chat, phone or nearest branch.

  • Digital health services through the Quiero cuidarme Más app: video consultation and chat with specialists, pharmacy, health folder, psychotherapy service, and new online physiotherapy service.

See more details of the Activa DKV app

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

The highest in the market. Up to the age of 75, in an individual modality.

Conditions and commitment
No termination of the insurance contract

We will not cancel the contract if you have been with us for three years, nor will we raise the price

Taking out the insurance
Savings in your domestic economy

Benefit from a 7% discount if you are 4 insured persons, or 12% if you are 5 or more.

Satisfied customers
Transparency and clear language

We will inform you in advance on the renewal developments in your policy 

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.

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 have obtained the Zero CO2 seal from ECODES. 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