DKV Top Health, reimbursement health insurance
A unique reimbursement health insurance policy, unlike any other on the market.
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Access the DKV medical directory or choose the doctor you want.
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Any medical centre in Spain and abroad.
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We will reimburse 100% of the total expenses within 7 days.
Take it out now with a 30% discount.
Discounts for the next 6 years
Why choose DKV Top Health
All the advantages of your reimbursement medical insurance
Reimbursement of expenses within 7 days in a simple way through the app, with just a photo.
100% reimbursement for medical expenses without limits, except for 80% in dentistry.
Unlimited virtual consultations with specialists by video call and chat.
We will reimburse 100% of the expenses for pharmacy expenses and vaccinations.
Request information and take out reimbursement insurance now
Call us FREE OF CHARGE with no strings attached at 974 887 001 and have an expert inform and help you throughout the process.
All details on DKV Top Health
The best medical assistance worldwide without having to worry about medical bills
Cover and services
DKV Top Health®, a unique health insurance on the market that gives you access to the best private medicine worldwide, with everything you need to look after your health.
You will be able to use the DKV medical directory with full cover, as well as freely choose the centre or doctor with 100% reimbursement in Spain and abroad. Your health insurance without borders.
Included cover
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Primary care
General practice, paediatrics, nursing services and 24-hour medical emergencies.
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All the medical specialities
Cardiology, dermatology, traumatology, gynaecology and oncology, as well as diagnostic tests: ultrasounds, magnetic resonances, CAT scans, radiotherapy, etc.
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Reimbursement of 100% of the medical costs
Unlimited expenses, except 80% for dentistry.
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Hospitalisation and surgery
Hospital admission and stay. In addition, you will have your own room with an extra bed for your companion.
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Dental coverage
More than 50 free services and the rest with large discounts.
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Podiatry, physiotherapy and rehabilitation
No limit on sessions!
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Psychology
Up to 30 sessions/year and without limits on psychotherapy sessions.
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Accident cover
You will receive medical assistance if you experience any kind of occupational or traffic accident.
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Reimbursement of auxiliary means, pharmacy, optician expenses
We will reimburse 100% of the cost of medicines prescribed by your doctor, as well as optician and orthopaedic expenses (wheelchairs, crutches, etc.)
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Reimbursement for vaccinations
We will reimburse 100% of the expenses for vaccinations.
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Home services
Home tests and physiotherapy, in level 3 dependency.
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Second medical opinion
For any serious illness, you can compare a diagnosis and obtain a second medical opinion.
Health services
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Fast and agile reimbursement
100% reimbursement of bills as soon as possible, within 7 days, and through the app with a photo of the bill.
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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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Telephone advice helplines
If you are worried about a symptom, call us and an agent on one of our helplines will be happy attend to you: 24-hour general medicine, pregnancy, women's' health, nutrition and psycho-emotional health.
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Assisted reproduction services included
Fulfil your dream of becoming a mother thanks to the latest technology in assisted reproduction.
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Latest technology in medicine
Access to the most advanced diagnostic techniques and procedures, such as the Da Vincci robotic surgery, 3D colonoscopy and 3D/4D ultrasound.
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Spas
You are covered for 20 days of spa and thermal bath treatment to aid in your recovery after hospitalisation.
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Biomechanical gait analysis
Biomechanical gait analysis every five years for adults and every two years for children under 15 years old at Podoactiva centres.
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Nutritionist
Nutritionist, 20 sessions per year, for the treatment and management of obesity.
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Health services complementary to the insurance
You will have access to a catalogue of health and well-being services at lower-than-market prices through DKV Club Salud y Bienestar.
Waiting periods
With the DKV Top Health insurance, you can use all the medical services and cover from day one, except:
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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
Modalities
The excess is the amount that the insured person assumes for healthcare cover. DKV will be responsible for the cost of medical assistance above that established amount.
There are three modalities in DKV Top Health:
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Without excess
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With a €600 excess
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With a €1,200 excess
Any insurance policy must start with a commitment
Terms and conditions of the contract
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, nor will we raise the price.
7% discount if you are 4 insured persons, or 12% if you are 5 or more.
We will inform you in advance on the renewal developments in your policy.
Information about the DKV Top Health insurance
Download the documentation
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
Discover the new Activa DKV app!
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View your medical directory.
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Your digital medical card.
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Manage your insurance: documentation, contact details, medical authorisations, invoices (for reimbursement insurance)
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Contact DKV: by chat, phone or nearest branch.
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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.
Other insurance you might be interested in
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DKV Mundisalud
An expense reimbursement insurance in which you can freely choose the doctor and centre you want to go. We will reimburse between 80% and 90% of the total expenses.
Funeral insurance
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.
Work leave insurance
DKV Renta
When on work leave, enjoy the support of your income insurance with a provision for illness and/or accident, as well as for childbirth.
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
We want to improve what surrounds us! With our four causes.
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Actions that fight against reducing overweight figures in children.
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At the DKV Integralia Foundation, we work towards the social and professional integration of all people.