DKV Top Health

A unique reimbursement health insurance policy, unlike any other on the market.

  • Enjoy access to hospitals and doctors worldwide with total freedom.

  • We will reimburse you the amount of your bills as soon as possible, within a maximum of 7 days.

  • Unlimited consultations by video call or chat with general practitioners and specialists via the app "Quiero cuidarme Más".





Taking out insurance by phone

Request information and take out medical 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. 


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


  • 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.

  • Reimbursement of 100% of the medical costs

    Unlimited expenses, except 80% for dentistry.

  • 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.

  • 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.

  • 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.

  • 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.

  • Home services

    Home tests and physiotherapy, in level 3 dependency. Access only through the DKV Network of Healthcare Services.

  • 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.)

  • Reimbursement for vaccinations

    We will reimburse 100% of the expenses for vaccinations.

  • Podiatry, physiotherapy and rehabilitation

    No limit on sessions!

  • Psychology and psychotherapy

    Up to 30 sessions/year and without limits on psychotherapy sessions.

Health services


  • 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.

  • Second medical opinion

    For any serious illness, you can compare a diagnosis and obtain a second medical opinion.

  • 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.

  • 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.

  • Assisted reproduction services included

    Fulfil your dream of becoming a mother thanks to the latest technology in assisted reproduction.

  • 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.

  • Spas

    You are covered for 20 days of spa and thermal bath treatment to aid in your recovery after hospitalisation.

  • Biomechanical gait analysis

    Biomechanical gait analysis every five years for adults and every two years for children under 15 years old at Podoactiva centres.

  • Nutritionist

    Nutritionist, 20 sessions per year, for the treatment and management of obesity.

  • 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:

  • Hospitalisation and surgical procedures (including prostheses): 6 months

  • Biomechanical gait analysis: 6 months

  • Childbirth (except for premature births): 8 months

  • Transplants: 12 months


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:

  • Without excess

  • With a €600 excess

  • 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

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 modality.

Conditions and commitment
No termination of the insurance contract

We will not cancel the contract if you have been with us for three years, nor will we raise the price

Taking out the insurance
Savings in your domestic economy

Benefit from a 7% discount if you are 4 insured persons, or 12% if you are 5 or more.

Satisfied customers
Transparency and clear language

We will inform you in advance on the renewal developments in your policy 

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

Complementary insurance that may interest you

DKV Mundicare

Reimbursement health insurance

DKV Mundisalud

An expense reimbursement insurance to take care of your health and in which you can choose freely the doctor and centre you want to go. We will reimburse between 80% and 90% of the total expenses.

DKV Protección Familiar

Funeral insurance

DKV Protección Familiar

The death insurance that supports your family in difficult times. One of the best funeral services, with a transfer and repatriation, eco-funeral, and erasure of digital identity service.

DKV Renta

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

Visit your nearest agent

We’ll call you

We’ll call you

We want to improve what surrounds us! With our four causes.

Are you one of us?

Against childhood obesity

Actions that fight against reducing overweight figures in children.

For the planet

We have obtained the Zero CO2 seal from ECODES. Our planet needs us, and we work towards protecting and recovering it.

For women's health

We no longer want to be mothers, but MalasMadres, which is why we are launching #TimeToTakeCareOfYourself

For inclusion

At the DKV Integralia Foundation, we work towards the social and professional integration of all people.

Conditions of price from*

  • Price from DKV Integral Complet: Calculation for a 15-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