DKV Top Health

DKV Top Health

A unique 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".

From €146/month

go

Just this month! Take out your reimbursement insurance with a 25% discount in 2021 and more discounts in the coming years.

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 companies, your health insurance includes dental cover at no additional cost.

  • 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

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:

  • Without excess

  • With a €600 excess

  • With a €1,200 excess

Information about the DKV Top Health insurance to view later

Download the documentation

Download the documentation

Discover everything that your medical insurance offers you: cover, additional services, telemedicine, reimbursement limits and prevention programmes.

Download the documentation

Go over the information document about the insurance product.

Download the documentation

This document will help you learn in detail about each cover, exclusions and waiting periods, in a clear language with additional explanatory information.

Download the documentation

We are committed to clear language. We provide information about the insurance cover before you take it out so that you can get a better understanding of what it entails.

Download the documentation

Promotion applicable to new insured persons who take out policies until 30/09/2021. They will enjoy a discount of 25% in 2021 and further discounts in the coming years.

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 policy.

Conditions and commitment
No termination of the insurance contract

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.

Taking out the insurance
Savings in your domestic economy

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.

Happy customers
Transparency and clear language

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

Happy customers

Calculate your insurance

Enter the details of the insured persons so we can offer the options that best suit you.

Taking out the insurance

Taking out the insurance

Take out the health insurance and enjoy it by completing just 5 steps.

Conditions and commitment

Client Area

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?

Testimonials reimbursement insurance travel
I have found just what I needed

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.

Joaquín Láinez
Testimonials reimbursement insurance travel
The only insurance that travels with me

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.

Miguel Cobo
Testimonials reimbursement insurance abroad
Perfect for a family like ours

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.

Laura Martínez

DKV digital

We provide you with tools to make your life easier and take care of your health

Quiero Cuidarme Más App
Quiero Cuidarme Más App
Medicine

Comprehensive management of the most important aspects of your health

DKV Reimbursement of expenses
DKV Reembolso App
Billing

The application with which you are reimbursed all your expenses without going to a branch or scanning documents.
You can also process the reimbursement of expenses through the private customer area.

Quiero Cuidarme Blog
Quiero Cuidarme blog
Health tips

Find answers to your questions about health in articles written and backed by our team of doctors and experts.

Access the blogand subscribe to receive the latest articles every week in your email.

Once your healthcare has been covered

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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 are a Zero CO2 emissions company. 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 #LaHoraDeCuidarse

For inclusion

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

You are a DKV customer

Please call us on:

976 506 000

Exclusive mutual society members

Please call us on:

976 768 999

You aren't a DKV customer