Health insurance with copayments
Choose health insurance with copayments if you're not going to use it frequently.
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You will pay a more economical premium.
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You will pay a small amount whenever you use the medical service.
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You will enjoy all the cover of a comprehensive insurance.
Why choose health insurance with copayments?
Your monthly payment will be lower, and you will pay an amount extra when you visit a doctor.
+51,000 medical professionals at your disposal and 7 of the 10 best hospitals in the country.
You can choose between a high or low copayment, which differs in the price of medical services.
Several treatments at no additional cost and others with major discounts.
What medical insurance includes the cover and services I need?
Compare the cover of our health insurance policies with copayment
Up to 30% disc.
DKV Profesional Classic
Made-to-measure health insurance. Take out the cover you need and personalise your insurance.
LOW CO-PAYMENT
Take it out from €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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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. X-rays, ultrasounds, MRIs, CAT scans, radiotherapy, 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
20 sesiones/año y 40 para menores de 24 años, trastornos alimentarios, ciberacoso, acoso escolar, estrés laboral y violencia de género o familiar.
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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
Hasta 30,000 € en viajes de hasta 180 días, en caso de urgencia.
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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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Low copayment
The copayment is the amount of money you have to pay every time that you use your health insurance. €2.30 general medicine, paediatrics and nursing. €3.50 in other specialities.
Up to 30% disc.
DKV Integral Complet
The most comprehensive medical directory insurance. Make sure you have the most convenient and fast healthcare.
HIGH COPAYMENT
Take it out from €17/month
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Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain
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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
X-rays, ultrasounds, MRIs, CAT scans, radiotherapy, 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 sesiones/año y 40 para menores de 24 años, trastornos alimentarios, ciberacoso, acoso escolar, estrés laboral y violencia de género o familiar.
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Podiatry, physiotherapy and rehabilitation
No limit on sessions.
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Worldwide medical assistance when travelling
Hasta 30,000 € en viajes de hasta 180 días, en caso de urgencia.
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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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High copayment
The copayment is the amount of money you have to pay every time that you use your health insurance. €13.50 general medicine, paediatrics and nursing. €23 in other specialities.
UP TO 30% Disc.
Premium Classic Personal Doctor
Insurance with a personal medical service and a health assistant to manage all your procedures.
LOW CO-PAYMENT
Take it out from €30/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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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
X-rays, ultrasounds, MRIs, CAT scans, radiotherapy, 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.
-
Dental policy included
50 free treatments and the rest with major discounts.
-
Psychology
20 sesiones/año y 40 para menores de 24 años, trastornos alimentarios, ciberacoso, acoso escolar, estrés laboral y violencia de género o familiar.
-
Podiatry, physiotherapy and rehabilitation
No limit on sessions.
-
Worldwide medical assistance when travelling
Hasta 30,000 € en viajes de hasta 180 días, en caso de urgencia.
-
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.
-
Low copayment
The copayment is the amount of money you have to pay every time that you use your health insurance. €2.30 general medicine, paediatrics and nursing. €3.50 in other specialities.
Up to 30% disc.
DKV Integral Classic
The most comprehensive medical directory insurance. Make sure you have the most convenient and fast healthcare.
LOW CO-PAYMENT
Take it out from €34/month
-
Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain
-
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
X-rays, ultrasounds, MRIs, CAT scans, radiotherapy, 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 sesiones/año y 40 para menores de 24 años, trastornos alimentarios, ciberacoso, acoso escolar, estrés laboral y violencia de género o familiar.
-
Podiatry, physiotherapy and rehabilitation
No limit on sessions.
-
Worldwide medical assistance when travelling
Hasta 30,000 € en viajes de hasta 180 días, en caso de urgencia.
-
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.
-
Low copayment
The copayment is the amount of money you have to pay every time that you use your health insurance. €2.30 general medicine, paediatrics and nursing. €3.50 in other specialities.
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.
Economical health insurance
If you are looking for insurance with an economical premium and reduced cover.
Health insurance without waiting periods
If you need to use the insurance from day one, with no limit on visits and treatments.
Insurance with a personal doctor
If you want digital insurance with a personal doctor to assist and advise you whenever you need it.
Frequently asked questions about insurance with copayments
How does insurance with copayment work?
Copayment in health insurance is simply paying a small amount of money every time you use certain services included in the policy, and it depends on the type of speciality you visit. As for diagnostic tests, those that are more complicated or require the use of more resources from the clinic will be more expensive.
When and how is copayment used?
A copayment is a charge you have to pay when visiting the doctor or undergoing a treatment or diagnostic test. The copayment is added to your insurance premium whenever you make that extra cost that is not included in your insurance. The insurer registers this expense and adds to your premium at the beginning of the following month a bill with the details of the copayments, which is based on the use you have made of your insurance in the last 30 days.
What types of copayments are there?
Copayments can generally be classified by levels: without copayment, with a low copayment or with a high copayment, which differ in the cost of each of the services.
When are copayments charged?
The bills are issued on monthly basis and debited in the first days of each month.
What is the difference between health insurance policies with copayment and without copayment?
Whereas health insurance policies with copayment involve paying a small amount of money every time you visit a specialist, those without copayment only require paying a fixed premium per month or year, regardless of the number of times you use the medical services.