DKV Residentes
Refund of medical expenses health insurance for foreigners resident in Spain
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Go to any doctor, whether part of the affiliated network or not.
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We will reimburse between 80% and 90% of the total expenses.
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Easy and fast, through an app and in less than seven days.
Take it out for a limited time with a 33% discount
Discounts for the next 6 years
Why choose DKV Residents?
All the advantages of your reimbursement medical insurance
100% reimbursement in Spain, without expense limits
7 días máximo en el reembolso de facturas a través de una app
Tratamientos dentales incluidos sin coste adicional
Para ciudadanos alemanes con atención médica en Alemania
Request information and take out reimbursement insurance now
Call us FREE OF CHARGE with no strings attached at 900 500 101 and have an expert inform and help you throughout the process.
All the details about DKV Residentes
Qué ofrece el seguro DKV Residentes?
Cover and services
Un seguro médico para extranjeros residentes con el que recibir asistencia sanitaria en España y en Alemania
With this comprehensive insurance, which also includes cutting-edge diagnostic tests, interventions, hospitalisation and dental services, enjoy a full reimbursement of expenses. So you feel at home.
Included cover
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Primary care
General practice, emergencies, paediatrics, ambulances, analyses...
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Specialities and diagnostic tests
You can go to all specialities without first having to see your GP: cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests.
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Dental coverage
Unlike other health insurance policies within the sector, yours will include dental service cover.
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Psychotherapy
In own services, up to 20 sessions per year for psychotherapy, and 40 sessions in cases of eating disorders, school bullying, gender-based or domestic violence, cyberbullying and work-related stress. In external services, we will reimburse you up to €40 per session.
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Fast and agile reimbursement
100% reimbursement of expenses in Spain (if you choose a non-affiliated centre) as soon as possible, within 7 days, and through the app with just a photo of the bill.
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Reimbursement of dental expenses
100% in affiliated dental centres and in 80% in non-affiliated centres. Up to 3,000 euros/year.
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Reimbursement of pharmacy expenses
Reimbursement of up to 1,000 euros/year in medication.
Health services
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Telephone advice helplines
If you are worried about a symptom, call us and an agent on one of our helplines will be happy to attend to you: 24-hour general medicine, pregnancy, women's' health, nutrition and psycho-emotional health.
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Video consultation and chat with a doctor
You will be able to contact a doctor via chat, call or video call, as well as chat with your health coach to improve your lifestyle and with a midwife if you are pregnant or just gave birth to a baby.
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Healthcare abroad
Worldwide emergency travel assistance, for less than 180 days.
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Nutritionist
Treatment and management of obesity, up to 20 sessions per year.
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Biomechanical gait analysis
An analysis every five years for adults and every two years for children under 15 years old in Podoactiva centres.
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Preventive care programmes
Sign up to our free prevention programmes, and we'll help you improve your overall health.
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DKV Club de Salud y Bienestar discounts
Podrás acceder a todo tu catálogo de servicios de salud y bienestar a precios inferiores a los del mercado a través de DKV Club Salud y Bienestar.
Optional cover
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Servicio BEST CARE
Servicio de segunda opinión médica, consulta... con un listado de médicos prestigiosos en Alemania. Este servicio se gestiona desde DKV Alemania.
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Cobertura de reembolso
100 días de cobertura de reembolso 100% en Alemania.
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Repatriación a Alemania en caso de fallecimiento
En caso de fallecimiento, DKV garantiza la repatriación del asegurado desde el lugar de fallecimiento en territorio español, hasta el aeropuerto internacional más próximo al lugar de inhumación en Alemania.
Waiting periods
All provisions can be used from day one, except for:
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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
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Dental prostheses and maxillary orthopaedics: 8 months.
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Best Care: 3 months.
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Assisted reproduction techniques (individual modality): 48 months
Limit of reimbursement of expenses
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100% reimbursement of expenses in Spain.
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Reimbursement of up to 1,000 euros/year in medication.
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100% reimbursement at affiliated dental clinics and 80% at non-affiliated clinics. Up to 3,000 euros/year.
Information about the DKV Residentes insurance to view later
Download the documentation
Any insurance policy must start with a commitment
The best conditions to take out insurance
The highest in the market. Until the age of 75.
We will not cancel the contract if you have been with us for three years.
7% de descuento si sois 4 asegurados y 12% a partir de 5.
Te informaremos con antelación de las novedades de renovación.
Download the Activa DKV App!
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View your doctors and medical centres.
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Your digital medical card.
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Manage your authorisations and reimbursements.
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Contact DKV.
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Digital healthcare services: video consultation and chat with specialists, prescriptions, reports, etc.
DKV APPs
We provide you with tools to make your life easier and take care of your health
DKV Activa
The DKV App with which you can manage all the aspects related to your insurance and health.
View your medical directory
Manage your authorisations
Manage your reimbursements and bills (only include in reimbursement products)
Your digital medical card
Virtual assistant that will help you with whatever you need
Manage your insurance documentation, contact details and payment methods
Digital healthcare services: video consultation and chat with specialists, pharmacy, health folder, psychotherapy service, and more.
Quiero Cuidarme Más App
Comprehensive management of the most important aspects of your health
Unlimited video consultations with specialists and 24h chat
Request the electronic prescription so you can go straight to the pharmacy.
Request an in-person appointment using the medical directory
Digital midwife
Psychological guidance through chat with tools to improve your mental health
Safely receive and store your medical reports and results.
Quiero Cuidarme blog
The DKV blog with which to learn how to take care of yourself with health advice for all the family.
Go to the blog and subscribe to receive the latest articles every week in your email.
Tips for a healthy diet
Articles written by our experts
Interactive infographics and video tips
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
Call us
We’ll call you
Conditions of price from*
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Price from DKV Residentes: Calculation for a 9-year-old person.
The premiums are valid during the campaign period.