Health insurance

Choose the type of insurance that you and your family need: basic insurance, medical directory insurance, with personal doctor or insurance with reimbursement of expenses.

  • You will enjoy the best medical cover and the latest technology.

  • Take care of your smile with the FREE dental service.

  • You will have access to an extensive medical directory.

  • You will enjoy chat, video consultation and pharmacy services.

Why choose a health insurance with DKV?

Medical directory

+51,000 medical professionals at your disposal and 7 of the 10 best hospitals in the country.

Dental coverage

Included in your policy for FREE, more than 50 dental treatments at no additional cost.

Digital medicine

Consultations with specialists by video call and chat, midwife, coach and pharmacy.

Streamlined procedures

Review your policy, locate a doctor, view your authorisations and manage your reimbursements.

What medical insurance includes the cover and services I need?

Are you looking for another type of insurance?

We have designed products to cover your and your family's needs according to your finances, lifestyle and use you are going to give the health insurance.

DKV Seguros without copayment

Insurance without copayments

If you don't want to pay more and want to have a fixed monthly payment, regardless of how you use your insurance, choose an insurance policy without copayments.

insurance with copayments

Insurance with copayments

If you're not going to use the insurance frequently and want a more economical premium, choose a health insurance with copayments.

health insurance without waiting periods

Insurance without waiting periods

If you need to use the insurance from day one, with no limit on visits and treatments.

economical health insurance

Economical insurance

Cheap health insurance suited to every pocket, with reduced cover and the possibility of personalising the insurance.

Medical directory insurance policies

Access to an extensive medical directory, diagnostic tests, dental cover, assistance abroad and digital health.

health insurance with a personal doctor

Insurance with a personal doctor

If you want digital insurance with a personal doctor to assist and advise you whenever you need it.

DKV Mundisalud insurance

Reimbursement insurance

If you are travelling abroad or if you have reference specialists who are not in the associated medical directory.

DKV Dentisalud

Dental insurance

Extensive dental medical directory. 59 free treatments and others with up to 40% disc. Regardless of age or pre-existing conditions.

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 FREE OF CHARGE

Frequently asked questions about health insurance

We resolve your most frequent queries about health insurance

What are the advantages of private health insurance?

If you are not sure whether to take out a health insurance or not, we will briefly explain the advantages you will enjoy if you do:

  • Immediate attention and short waiting lists.

  • A wide range of medical centres and specialists. You will have complete freedom to choose the specialist that you need or that best suits you within our extensive medical directory.

  • Choose the hospital.

  • Short wait for diagnostic tests. Below the average time of the public health service.

  • Cover abroad, medical, surgical, pharmacy, hospitalisation and ambulance costs abroad (€20,000 limit).

  • Differential cover, such as dental insurance, which we include free in our health insurance.

Why take out a DKV health insurance policy?

Fast and simple! Take out any of our health insurance policies 100% online through our website; it will only take 5 minutes:

  • Calculate your price without any strings attached.

  • Fill in your personal details and those of who you want to insure.

  • Confirm your details: check that all your details are correct.

  • Make the payment.

We will give you your insurance number and send you a confirmation email so that you can enjoy all the advantages offered by your DKV health insurance from day one.

We also offer you a service to help you take out the insurance online; call free of charge 876 147 077, and we will answer any query.

You can also take out our health insurance by visiting any of our sales branches and/or offices.

What is the duration of a health insurance policy?

We will explain to you how the duration of the health insurance policy works, when it expires and its renewal. Here

Can I take out a health insurance policy with and without coypayments?

A health insurance with copayment is a policy in which customers pay a fixed amount for their insurance, either monthly or yearly, as well as a variable amount, which depends on the times that they have used the policy during the month. 

In addition, according to the conditions of the policy, customers will pay the money separately, each time they go to the doctor or the company will include the additional amount in the monthly bill. 

If you do not visit the doctor regularly and choose an insurance policy with copayments, the final disbursement will be much lower than a policy without copayments. This makes it a good option for people who do not use their policy often.

At DKV, the copayment varies according to the insurance modality you choose. For example, in the DKV Integral medical directory insurance you can choose between the following:

  • With high copayment: Complete. For example, general medicine, paediatrics and nursing, EUR 12. If another specialist is required, EUR 20

  • With low copayment: Classic. For example, general medicine, paediatrics and nursing, EUR 1.95. If another specialist is required, EUR 2.95

  • Without copayment: Élite 

The copayment modalities we offer allow you to adjust the price of your insurance even more to what you are prepared to pay and to how you believe you will use it, giving you the possibility of choosing between several options.

Waiting periods, what are they? Do medical tests have a waiting period?

waiting period is the period of time set in the contract, from the date the policy enters into force, during which part of the cover included in the policy guarantees does not take effect. This period is calculated by months, counting from the effective date of the policy for each of the insured persons included in it.

Diagnostic means and tests do not have a waiting period, except for the biomechanical gait analysis. The supplementary cover exclusive to DKV Integral in its individual modality has a waiting period of 6 months.

In addition to this test, there are another four services with waiting periods, which are common to all products:

  1. Surgery and hospitalisation, including surgical prostheses, for any reason and of any kind, will have a waiting period of six months, except in the cases of a life-threatening emergency or as a result of an accident. 

  2. Treatment for any kind of childbirth (except premature childbirth) or Caesarean operation will have a waiting period of eight months. 

  3. Transplants have a waiting period of twelve months. 

  4. Healthcare for HIV/AIDS has an exclusion period of twelve months (see definition of ‘exclusion period’ in section 2, Basic concepts. Definitions). 

The rest of the provisions covered by the insurance have no waiting periods, so you can use them from day one. DKV also offers you other insurance policies with additional cover, which may have an additional waiting period.

What can an insurance with "Personal doctor" benefit me in?

Your "Personal doctor" is a trustworthy healthcare professional who works continuously and in a personalised way to ensure an optimum health. You can consult them whenever you want to clear up any doubts or concerns you may have. In addition, they will guide you to arrange a face-to-face consultation with a reference specialist in your city/town.

What is the difference between an insurance with a personal doctor and a traditional health insurance?

In a health insurance policy with a personal doctor, your relationship with medicine is much more personalised and efficient. You choose a personal doctor to help you at all times and refer you to the specialist you need, face-to-face or remotely. They know you and have your medical history, so they can offer you advice and preventive plans based on your health condition and your needs.

The difference with a traditional medical insurance is that you will always be accompanied by both the medical service (always talking to the same doctor to clear up your health-related doubts and guide you on visiting a health specialist) and the personal health assistant for any procedure related to your insurance.

Which specialists and medical centres can I go to?

If you choose a medical directory insurance, you can go to any doctor or hospital in our medical directory. We currently have more than 51,000 healthcare professionals and 1,000 centres available for you. In addition, DKV uses 7 of the 10 best hospitals in the country.

You can view our medical directory from the Quiero Cuidarme Más app or at the following link.

If you choose our insurance policy with a personal medical service, you will have access to our comprehensive medical directory. The only difference is that in this case your personal doctor will be your GP and refer you to a specialist based on your pathology. It will be a referral guided by your personal doctor, with the aim of providing you the best option for your specific case. You will choose the medical appointment, and if there is no option to make an online appointment, the healthcare assistant will carry out this procedure for you, so you don't have to call the healthcare centre.

If you decide to take out a reimbursement medical insurance, in addition to enjoying access to our medical directory, you will be able to go to any professional and/or healthcare centre or hospital worldwide, for which you will receive a reimbursement of the expenses.

What is a reimbursement insurance policy?

Reimbursement insurance is a type of health insurance in which the insurance company offers a free-choice policy. The insured person is able to visit any medical professional or centre they wish, even if they are not included in the insurer's medical directory, by paying for the provided service. We'll explain more about the reimbursement insurance here.

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