All the advantages of your reimbursement medical insurance
Why choose DKV Residents?
100% reimbursement in Spain, without expense limits
Reimbursement of bills within 7 days
Dental expenses included
Additional module for German citizens with medical care in Germany
All the details about DKV Residentes
The medical insurance that offers the best care in Spain with a reimbursement of expenses and an additional module for German residents in Spain
Cover and services
A medical insurance with which you will receive healthcare in Spain and in Germany for foreign residents.
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.
Cover included in the DKV Residentes reimbursement insurance
General practice, emergencies, paediatrics, ambulances, analyses...
Specialities and diagnostic tests
You can go to all specialities without first having to seeing your GP: cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests.
Unlike other health insurance policies within the sector, yours will include dental service cover.
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.
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.
Reimbursement of dental expenses
100% in affiliated dental centres and in 80% in non-affiliated centres. Up to 3,000 euros/year.
Reimbursement of pharmacy expenses
Reimbursement of up to 1,000 euros/year in medication.
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: 24-hour healthcare, general medicine, phsycoemotional, nutritional, women's health, sports, pregnancy, 24-hour paediatric, childhood obesity and tropical services.
Video consultation and chat with a doctor
You will have access to a general practitioner by phone, video call or 24h-chat. Enjoy access to virtual consultations with 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.
Worldwide emergency travel assistance, for less than 180 days.
BEST CARE Service (optional)
We guarantee you medical care in Germany with a renowned specialist in the case of severe illnesses.
- Repatriation to Germany: transfer to the international airport in Germany closest to the place of burial (up to €6,000).
- Consultation or hospital admission in Germany in the recommended centre is organised over a maximum period of five working days (reports in German and English).
- €500 compensation in the case of a claim.
- In addition, €500 compensation if the time period stipulated is not met.
Treatment and management of obesity, up to 20 sessions per year.
Biomechanical gait analysis
An analysis every five years for adults and every two years for children under 15 years old in Podoactiva centres.
Preventive care programmes
Sign up to our free prevention programmes, and we'll help you improve your overall health. Such as the cervical cancer prevention programme for women between 25 and 65 years of age by means of smear test or High-risk Human Papilloma Virus (HVP) test or the Children's Health test, prostate cancer prevention programme for men over 45 year old or the Programme for the early detection of diabetes.
DKV Club de Salud y Bienestar discounts
You will have access to the entire catalogue of health and well-being services at lower-than-market prices.
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
Dental prostheses and maxillary orthopaedics: 8 months.
Best Care: 3 months.
Assisted reproduction techniques (individual modality): 48 months
Limit of reimbursement of expenses
100% reimbursement of expenses in Spain.
Reimbursement of up to 1,000 euros/year in medication.
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
Discover everything that your medical insurance offers you: cover, additional services, digital health and prevention programmes.
The aim of this document is to give a clear and simple response to some of the aspects included in the insurance.
Standard document with summarised information that will help you compare with other companies' reimbursement insurance policies.
Special promotion for taking out new DKV Residentes policies for 2021.
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.
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.
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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