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 6 years.
All the advantages of your reimbursement medical insurance
Why choose DKV Top Health
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.
Medical chat and video consultation with specialists wherever you are, offering you the best assistance
We will reimburse 100% of the expenses for pharmacy expenses and vaccinations.
Request information
You will be contacted by an expert to provide you with information on our insurance policies.
The best medical assistance worldwide without having to worry about medical bills
All details on DKV Top Health
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, ophthalmology, traumatology, gynaecology, neurology, oncology, psychiatry, etc.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Hospitalisation and surgery
Hospital admission and stay.
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Annual general medical check-up
In a single appointment: physical consultation and examination, as well as analytical, cardiological, auditory and ophthalmological tests. Medical guidance following results.
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Dental coverage
We will reimburse 80% of your dentistry bills, up to €9,000 per insured person.
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Psychology
30 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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Podiatry, physiotherapy and rehabilitation
No limit on 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 pharmacy expenses
We will reimburse 100% of the cost of medicines prescribed by your doctor.
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Reimbursement for vaccinations
We will reimburse 100% of the expenses for vaccinations.
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Reimbursement of optic, orthopaedic and auxiliary means expenses
Glasses, contact lenses, wheelchairs, crutches, etc.
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Reimbursement of Orthoptics treatment for children
Reimbursement of fees for treatment for lazy eye or strabismus in children under 10 years of age, up to 10 sessions per year and a reimbursement of €35 per session.
Health services
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Fast and agile reimbursement
Full reimbursement of bills as soon as possible, within 7 days, and through the app.
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24h video consultation and medical chat
Talk to a doctor via call, video call or chat, as well as chat with a 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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Medical helplines
24-hour general medicine, 24-hour paediatrics, pregnancy, women's health, nutrition, psychoemotional or sports health.
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Assisted reproduction
Fulfil your dream of becoming a mother thanks to the latest technology in assisted reproduction.
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Nutritionist
Nutritionist, 20 sessions per year, for the treatment and management of obesity.
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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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Second medical opinion
In the event of severe illness, you will have remote access to an assessment and second opinion from world-renowned specialists.
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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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Preventive care programmes
We help you improve your health condition: early detection of diabetes; child health; oral health; glaucoma; women's cancer; prostate, colorectal and skin cancer; and coronary risk prevention.
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Spa treatment
Up to 20 days of spa treatment to aid your recovery after a minimum hospitalisation period of 3 days.
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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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Transplants: 12 months
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Surgical procedures, hospitalisation and prostheses: 8 months
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Childbirth (except for premature deliveries or C-sections): 8 months
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Outpatient surgical procedures and acts: 6 months
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High-tech diagnostics: 6 months
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Biomechanical gait analysis: 6 months
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Proton therapy in paediatric tumours: 8 months
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Healthcare for HIV/AIDS: 12 months
Modalities
The excess is the amount that the insured person must pay for healthcare cover, while DKV bears the rest of the cost.
Choose between three available modalities:
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No excess: the insured person does not have to pay anything when using the healthcare services.
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With an excess of €600: the insured person must pay the first €600.
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With an excess of €1,200: the insured person must pay the first €1,200.
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 you are 4 insured persons, or 12% if you are 5 or more.
7% disc. for yearly payment, 4.6% for half-yearly payment and 2.8% for quarterly payment.
Download the documentation
Information about the DKV Top Health insurance
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
Download the Activa DKV App!
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View your doctors and medical centres.
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Your digital medical card.
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Manage your authorisations and reimbursements.
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Contact DKV.
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Digital healthcare services: video consultation and chat with specialists, prescriptions, reports, etc.
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DKV Renta
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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
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