Seguro médico de reembolso, DKV Residentes

Health insurance with financial coverage for medical expenses incurred for foreigners resident 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.

Contrata ahora con un 30% de descuento
Descuentos durante 5 años.

All the advantages of your reimbursement medical insurance 

Why choose DKV Residents?

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No expense limit

100% reimbursement in Spain, without expense limits

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Fast reimbursement

Reimbursement of medical expenses within 7 days from an app

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Free dental cover

Dental treatments included at no additional cost

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Optional cover

For German citizens with medical care in Germany

Taking out insurance by phone

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

 

  • 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 service cover.

  • 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.

  • 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

    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.

  • 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.

  • Worldwide travel assistance

    You will have up to €30,000 for emergency medical assistance on journeys abroad of up to 180 days.

  • 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.

  • 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

  • BEST CARE Service 

    Second medical opinion service. See a list of prestigious doctors in Germany. This service is managed by DKV Germany. 

  • Reimbursement coverage

    100 days of 100% reimbursement coverage in Germany.

  • 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:

  • 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.

Terms and conditions of the contract

Any insurance policy must start with a commitment

 

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Maximum age to take out the insurance

The highest in the market. Until the age of 75.

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Whole life insurance

We will not cancel the contract if you have been with us for three years.

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Family savings

7% discount if there are 4 insured people, and 12% if there are 5 or more.

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We are transparent

We will inform you in advance on the renewal terms of your policy

Other insurance you might be interested in

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Insurance with financial coverage for medical expenses, with which you can freely choose the doctor and centre you want to visit. We will reimburse 100% of the total expenses in Spain and abroad.

 

DKV death insurance

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DKV Protección familiar

The funeral insurance that supports your family at all times. One of the best funeral services, with transfer and repatriation to your country of origin.

 

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DKV EcoHogar

The first eco-friendly home insurance policy on the market. We offer a wide range of solutions and guarantees to protect your habitual or secondary residence.

 

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

DKV Residentes insurance from €127/month