DKV Residentes

Choose the doctor you want in Spain by taking out this health insurance with reimbursement of medical expenses for foreign residents in Spain.

  • Go to any doctor, whether part of the affiliated network or not.

  • We will reimburse between 80% and 90% of the total expenses.

  • Easy and fast, through an app and in less than seven days.

Take it out for a limited time with a 30% discount
Discounts for the next 6 years


All the advantages of your reimbursement medical insurance

Why choose DKV Residents?

Taking out the insurance

100% reimbursement in Spain, without expense limits

Briefing note

Reimbursement of bills within 7 days

Dental coverage

Dental expenses included

Medical directory

Additional module for German citizens with medical care in Germany

Taking out insurance by phone

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

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


  • Primary care

    General practice, emergencies, paediatrics, ambulances, analyses...

  • 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.

  • Dental coverage

    Unlike other health insurance policies within the sector, yours will include dental cover.

  • 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.

  • 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.

Health services


  • 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.

  • Healthcare abroad

    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.

  • Nutritionist

    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.

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

  • 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

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 policy.

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.

Exclusive discounts
Savings in your domestic economy

Discount for family policies: 7% if you are four insured persons, or 12% if you are five or more.

Briefing note
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.

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

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

Conditions of price from*

  • Price from DKV Residentes: Calculation for a 9-year-old person.

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