Health insurance
Choose the type of insurance that you and your family need to take care of and protect your health.
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You will enjoy the best medical cover and the latest technology.
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You will enjoy chat, video consultation and pharmacy services.
Why choose a health insurance with DKV?
+51,000 medical professionals at your disposal and 8 of the 10 best hospitals in the country.
Several treatments at no additional cost and others with major discounts.
Video consultations with specialists by video call and chat, midwife, coach and pharmacy.
Review your policy, locate a doctor, manage your authorisations and reimbursements.
What medical insurance includes the cover and services I need?
Compare the cover of our health insurance policies
Up to 25% Disc.
DKV Profesional
Made-to-measure health insurance. Take out the cover you need and personalise your insurance.
With or without co-payment
Take it out from €10/month
€8/month
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Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain.
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All doctors and centres around the world
Access to any medical professional or centre in Spain and abroad, even if they are not included in the DKV medical directory.
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Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
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Medical specialities
Only if you take out the specialists module. Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
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Diagnostic tests
Only if you take out the specialists module. Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation
Only if you take out the hospitalisation module. Hospital care for medical or surgical treatment.
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Video consultations and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
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Dental policy included
50 free treatments and the rest with major discounts.
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Psychology
Only if you take out the specialists module. 20 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
Only if you take out the specialists module. No limit on sessions.
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Worldwide medical assistance when travelling
Up to €30,000 for journeys of up to 180 days, in the event of an emergency.
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My personal doctor and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
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Health assistant
An adviser for processing authorisations and medical appointments.
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Reimbursement for pharmacy expenses and vaccinations
Pharmacy: 50% up to €100. Vaccinations: rotavirus, meningitis B (Bexsero), HPV in boys, up to €50 per vaccine with a total limit of €150/insured person/year.
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Assisted reproduction
Fulfil the dream of being a mother with fertility treatments.
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Reimbursement of medical expenses in Spain
80% up to €237,000/year.
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Reimbursement of medical expenses abroad
90% up to €237,000/year.
25% Disc.
DKV Personal Doctor
Insurance with a personal medical service and a health assistant to manage all your procedures.
With or without co-payment
Take it out from €26/month
€19/month
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Extensive medical directory
Medical directory ALWAYS guided by your Personal Doctor, who will refer you to any of the 51,000 specialists and 1,000 medical centres in Spain.
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All doctors and centres around the world
Access to any medical professional or centre in Spain and abroad, even if they are not included in the DKV medical directory.
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Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
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Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation
Only if you take out the Premium modality. Hospital care for medical or surgical treatment.
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Video consultations and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription and health folder.
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Dental policy included
50 free treatments and the rest with major discounts.
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Psychology
20 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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Worldwide medical assistance when travelling
Up to €30,000 for journeys of up to 180 days, in the event of an emergency.
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My Personal doctor and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
-
Health assistant
An adviser for processing authorisations and medical appointments.
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Reimbursement for pharmacy expenses and vaccinations
Pharmacy: 50% up to €100. Vaccinations: rotavirus, meningitis B (Bexsero), HPV in boys, up to €50 per vaccine with a total limit of €150/insured person/year.
-
Assisted reproduction
Fulfil the dream of being a mother with fertility treatments.
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Reimbursement of medical expenses in Spain
80% up to €237,000/year.
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Reimbursement of medical expenses abroad
90% up to €237,000/year.
The best-selling policy
Up to 35% off
DKV Integral
The most comprehensive medical directory insurance. Make sure you have the most convenient and fast healthcare.
With or without co-payment
Take it out from €26/month
€17/month
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Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain.
-
All doctors and centres around the world
Access to any medical professional or centre in Spain and abroad, even if they are not included in the DKV medical directory.
-
Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
-
Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
-
Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
-
Surgery and hospitalisation
Hospital care for medical or surgical treatment.
-
Video consultations and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
-
Dental policy included
50 free treatments and the rest with major discounts.
-
Psychology
20 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.
-
Podiatry, physiotherapy and rehabilitation
No limit on sessions.
-
Worldwide medical assistance when travelling
Up to €30,000 for journeys of up to 180 days, in the event of an emergency.
-
My personal doctor and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
-
Health assistant
An adviser for processing authorisations and medical appointments.
-
Reimbursement for pharmacy expenses and vaccinations
Pharmacy: 50% up to €100. Vaccinations: rotavirus, meningitis B (Bexsero), HPV in boys, up to €50 per vaccine with a total limit of €150/insured person/year.
-
Assisted reproduction
Fulfil the dream of being a mother with fertility treatments.
-
Reimbursement of medical expenses in Spain
80% up to €237,000/year.
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Reimbursement of medical expenses abroad
90% up to €237,000/year.
30% discount
DKV Mundisalud
Health insurance with reimbursement of up to 90% of medical expenses in Spain and abroad.
Limit up to €310,000
Take it out from €88/month
€66/month
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Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain.
-
All doctors and centres around the world
Access to any medical professional or centre in Spain and abroad, even if they are not included in the DKV medical directory.
-
Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
-
Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
-
Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
-
Surgery and hospitalisation
Hospital care for medical or surgical treatment.
-
Video consultation and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
-
Dental policy included
50 free treatments and the rest with major discounts.
-
Psychology
20 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.
-
Podiatry, physiotherapy and rehabilitation
No limit on sessions.
-
Worldwide medical assistance when travelling
Up to €30,000 for journeys of up to 180 days, in the event of an emergency.
-
My personal doctor and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
-
Health assistant
An adviser for processing authorisations and medical appointments.
-
Reimbursement for pharmacy expenses and vaccinations
Pharmacy: 50% up to €100. Vaccinations: rotavirus, meningitis B (Bexsero), HPV in boys, up to €50 per vaccine with a total limit of €150/insured person/year.
-
Assisted reproduction
Fulfil the dream of being a mother with fertility treatments.
-
Reimbursement of medical expenses in Spain
80% up to €237,000/year.
-
Reimbursement of medical expenses abroad
90% up to €237,000/year.
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
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?
In most cases, a health insurance policy lasts one year and is renewed automatically at the end of that period, unless the insured person or the insurer indicates otherwise.
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?
Health insurance with copayment is a policy in which customers pay a fixed amount for their insurance, either monthly or yearly, and a variable amount, which depends on how often they used the insurance 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 don't 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, €13.50. If another specialist is required, €23
With low copayment: Classic. For example, general medicine, paediatrics and nursing, €2.30. If another specialist is required, €3.50
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?
The waiting period is the length 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:
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.
Treatment for any kind of childbirth (except premature childbirth) or Caesarean operation will have a waiting period of eight months.
Transplants have a waiting period of twelve months.
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.