An expense reimbursement insurance in which you can choose the doctor and centre you want to go.
You can go to any non-affiliated centre, and we will reimburse between 80% and 90% of total expenses.
Online reimbursement of expenses in less than 7 days on the website or through the app, with just a photograph.
Unlimited consultations by video call or chat with general practitioners and specialists via the "Quiero cuidarme Más" app.
Just this month! Take out your reimbursement insurance with a 25% discount in 2021 and more discounts in the coming years.
All the advantages of your health insurance
Why choose DKV Mundisalud
7 days maximum to receive your reimbursement of expenses
Up to €650,000 of annual overall limit
More than €23,083,729 reimbursed to customers in a single year
+315,000 virtual medical consultations a year
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 40,000 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.
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.
Always covered, for any unexpected event. If you have any kind of occupational or traffic accident, don't worry, we will help you.
Unlike other insurers, your health insurance includes dental cover at no additional cost.
Home tests and physiotherapy, in level 3 dependency. Access only through the DKV Network of Healthcare Services.
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.
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, 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.
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.
Information about the DKV Modular insurance to view later
Download the documentation
Discover everything that your medical insurance offers you: cover, additional services, digital health and prevention programmes.
Go over the information document about the insurance product.
We offer you a lifetime insurance, as we will not cancel it after the third year, we will not increase the price if you use it frequently and you can save by paying the yearly instalment or including your family. Find out all the details about the cover and conditions before taking out the insurance.
Promotion applicable to new insured persons who take out policies until 31/05/2020. They will enjoy a discount from 25% in 2021, and further discounts in the coming years.
Any insurance policy must start with a commitment
The best conditions to take out insurance
The highest in the market: up to the age of 75, in an individual policy.
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.
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.
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
Calculate your insurance
Enter the details of the insured persons so we can offer the options that best suit you.
Taking out the insurance
Take out the health insurance and enjoy it by completing just 5 steps.
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?
We provide you with tools to make your life easier and take care of your health
Once your healthcare has been covered
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We want to improve what surrounds us! With our four causes.
Are you one of us?
Actions that fight against reducing overweight figures in children.
We are a Zero CO2 emissions company. Our planet needs us, and we work towards protecting and recovering it.
We no longer want to be mothers, but MalasMadres, which is why we are launching #LaHoraDeCuidarse
At the DKV Integralia Foundation, we work towards the social and professional integration of all people.