DKV Top Health
A unique reimbursement health insurance policy, unlike any other on the market.
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Enjoy access to hospitals and doctors worldwide with total freedom.
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We will reimburse you the amount of your bills as soon as possible, within a maximum of 7 days.
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Unlimited consultations by video call or chat with general practitioners and specialists via the app "Quiero cuidarme Más".
TAKE OUT YOUR REIMBURSEMENT INSURANCE WITH A 30% DISCOUNT FOR A LIMITED TIME.
Calculate and take out your reimbursement health insurance
Call us 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.
Reimbursement insurance, so that if you choose a non-associated doctor or centre, DKV will reimburse 100% of the bill at the fastest rate on the market, in under 7 days. The health insurance with no borders.
Included cover
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Direct access to all the specialists and centres worldwide
Both in Spain and abroad, you can visit any health centre regardless of whether it is included in the DKV medical directory.
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Reimbursement of 100% of the medical costs
Unlimited expenses, except 80% for dentistry.
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Primary care and specialists
Direct access to all specialities: general practice, paediatrics, nursing, ambulances, all medical specialities (cardiology, dermatology, traumatology gynaecology...) and diagnostic and therapeutic means: ultrasounds, magnetic resonances, CAT scans, radiotherapy, lithotripsy, etc.
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Surgery and hospitalisation
Cancer and kidney treatments, among others; surgery; hospitalisation (ICU and pregnancy-related included); prostheses; and much more! In addition, you will have your own room so that you are comfortable, with an extra bed for your companion.
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Accident cover
Always covered, for any unexpected event. If you have any kind of occupational or traffic accident, don't worry, we will help you.
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Dental coverage
Unlike other health insurance policies within the sector, yours will include dental cover. More than 50 free services and the rest with large discounts.
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Home services
Home tests and physiotherapy, in level 3 dependency. Access only through the DKV Network of Healthcare Services.
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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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Podiatry, physiotherapy and rehabilitation
No limit on sessions!
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Psychology and psychotherapy
Up to 30 sessions/year and without limits on psychotherapy sessions.
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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Second medical opinion
For any serious illness, you can compare a diagnosis and obtain a second medical opinion.
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Telephone advice helplines
Medical advice helpline 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: 24h helpline, 24h paediatrics helpline, psychoemotional, nutrition, women's health, sports health, pregnancy, childhood obesity and tropical medicine.
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Video consultation and chat with a doctor
You will be able to contact a doctor by phone, video call or chat. Enjoy virtual consultations with medical 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.
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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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Always thinking about your comfort: payment for use in complementary health services
Discounts on complementary services, such as cosmetics, nutrition, sports, elderly care and babysitting. Through DKV Club de Salud y Bienestar and with no payment until you use the service.
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
Modalities
The excess is the amount you agree to pay, after which DKV Seguros will cover the remaining 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
Information about the DKV Top Health insurance to view later
Download the documentation
Any insurance policy must start with a commitment
The best conditions to take out insurance
With one of the highest age limits for taking out insurance in the market; up to the age of 75 in the individual modality.
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. Plus an additional 7.5% for making an annual payment.
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.
If you have already decided to take out DKV Top Health
We help you to take out your reimbursement insurance in a few steps
Calculate your insurance
Enter the details of the insured persons so we can offer the options that best suit you.
Taking out the insurance
Take out the health insurance and enjoy it by completing just 5 steps.
Service
We will confirm if the process of taking out the insurance has been completed successfully. You will receive all the documentation by postal mail.
Your opinion is very important to us
What do our customers think about DKV Top Health?
I was looking for an insurance where I would not have to worry what it covers and what not. I have found the most comprehensive solution. I am even reimbursed for my pharmaceutical and vaccine expenses.
My work has me many periods outside of Spain. I had an accident abroad, for which I was hospitalised for several days. Fortunately, everything was easy, and I was fully reimbursed for the hospital expenses.
My children are studying in the United States and my husband never stops at home. This insurance has provided us the most facilities, especially thanks to the speed of all procedures. In addition, having the possibility of chatting with a doctor is a plus.
Download our Quiero cuidarme Más app!
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Video consultations with specialists and 24h medical chat
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Request an appointment with multiple medical centres without having to call or go in person.
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Receive, store and share your health documents.
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All your electronic prescriptions without going to a consultation.
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Analytical test request in your health folder.
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Take care of your mind with the online psychology service and tools to manage your emotions.
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Health coach to quit smoking, lose weight or track your pregnancy, among other benefits
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
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.
Ask for an appointment at your nearest branch, call us, request us to call you or take it out online.
Visit your nearest agent
Call us
We’ll call you
We want to improve what surrounds us! With our four causes.
Are you one of us?
Actions that fight against reducing overweight figures in children.
We are a Zero CO2 emissions company. Our planet needs us, and we work towards protecting and recovering it.
We no longer want to be mothers, but MalasMadres, which is why we are launching #TimeToTakeCareOfYourself
At the DKV Integralia Foundation, we work towards the social and professional integration of all people.
Price from
Conditions of price from*
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Price from DKV Integral Complet: Calculation for a 15-year-old person
The premiums are valid during the campaign period.