Health insurance without waiting periods
At DKV, we offer different insurance policies without waiting periods
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You can start to use your insurance immediately.
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You don't have to wait to use the medical services.
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There is no age limit on taking out a policy.
Why choose health insurance without waiting periods?
All DKV insurance can be used from day one to visit specialists, emergencies and most diagnostic tests. However, we offer insurance options that you can use comprehensively from day one.
Unlimited consultations with the main specialities in Plus medical centres.
Unlike other insurance policies, you can take out your insurance at any age.
47 treatments included at no additional cost and the rest with major discounts.
Unlimited virtual consultations with specialists by video call and chat.
Request information to take out health insurance
Call us for FREE with no obligation and have an expert help you throughout the process.
What medical insurance includes the cover and services I need?
Compare the cover of our health insurance policies without waiting periods
Price for 8 family members
DKV Famedic Plus
The most affordable health insurance, in which you can include up to 8 family members for the same price.
Take it out for €25.5/month
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7 medical specialities
General practice, nursing, paediatrics, gynaecology (with cytology and ultrasound), ophthalmology, dermatology and traumatology.
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Video consultation and chat
Unlimited video consultations with the 7 specialities covered, 24h medical chat, electronic prescription and health folder.
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Access to Club de salud
You will also enjoy access to several health and wellness services that supplement your insurance at reduced rates
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Price for 8 family members
DKV Famedic Profesional
The most affordable health insurance, in which you can include up to 8 family members for the same price.
Take it out for €35.5/month
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7 medical specialities
General practice, nursing, paediatrics, gynaecology (with cytology and ultrasound), ophthalmology, dermatology and traumatology.
See more -
Video consultation and chat
Unlimited video consultations with the 7 specialities covered, 24h medical chat, electronic prescription and health folder.
See more -
Access to Club de salud
You will also enjoy access to several health and wellness services that supplement your insurance at reduced rates
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Physiotherapy
20 physiotherapy sessions per year for the policyholder and prescribed by a traumatologist.
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Company accounts service
Special and exclusive service for self-employed workers with Contasimple
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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
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.
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.
Economical health insurance
If you are looking for insurance with an economical premium and reduced cover.
Frequently asked questions about insurance without waiting periods
What is the waiting period in health insurance?
A waiting period in a health insurance policy refers to the time that the insured person must wait, after taking out the policy, in order to be able to use some of the cover and services it includes.
How long is the waiting period in insurance?
The waiting period will depend on each test and each insurance policy, which is calculated as the period of time in days specified in the Specific Terms and Conditions of the policy, starting from the insurance contract's initial date of validity.
What is an insurance without waiting periods?
In a health insurance policy without waiting periods, you can use all the cover included in the policy from day one, without having to wait a certain time.