Seguro médico de reembolso, DKV Residentes
Health insurance with financial coverage for medical expenses incurred 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.
Contrata ahora con un 30% de descuento
Descuentos durante 5 años.
All the advantages of your reimbursement medical insurance
Why choose DKV Residents?
100% reimbursement in Spain, without expense limits
Reimbursement of medical expenses within 7 days from an app
Dental treatments included at no additional cost
For German citizens with medical care in Germany
Request information
Contactará contigo un experto para informarte sobre nuestros seguros.
What does DKV Residentes insurance offer?
All the details about DKV Residentes
Cover and services
Medical insurance for foreign residents to receive healthcare in Spain and in Germany
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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Psychology
20 sessions/year and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
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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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Worldwide travel assistance
You will have up to €30,000 for emergency medical assistance on journeys abroad of up to 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
You will have access to the entire catalogue of health and well-being services at lower-than-market prices through DKV Club Salud y Bienestar.
Optional cover
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BEST CARE Service
Second medical opinion service. See a list of prestigious doctors in Germany. This service is managed by DKV Germany.
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Reimbursement coverage
100 days of 100% reimbursement coverage in Germany.
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Repatriation to Germany in the event of death
In the event of death, DKV guarantees repatriation of the insured, from the place of death in Spain to the international airport closest to the place of burial in Germany.
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.
Terms and conditions of the contract
Any insurance policy must start with a commitment
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% discount if there are 4 insured people, and 12% if there are 5 or more.
We will inform you in advance on the renewal terms of your policy
Download the documentation
Information about DKV Residentes insurance
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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.