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.
What medical insurance includes the cover and services I need?
Compare the cover of our health insurance policies without waiting periods
Price 8 family members
DKV Famedic
Plus
The most affordable health insurance. Up to 8 family members for the same price.
Take it out for €25.50/month
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Reduced medical directory
Medical centres in the DKV Famedic network.
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Primary care
General medicine, nursing, paediatrics.
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7 medical specialities
General medicine, nursing, paediatrics, gynaecology (including an annual check-up), ophthalmology, dermatology and traumatology.
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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
Hospital care for medical or surgical treatment.
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Video consultations and chat
Unlimited video consultations with the 7 specialities covered, 24h medical chat, electronic prescription and health folder.
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Dental policy included
47 treatments included and the rest with major discounts.
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Physiotherapy
20 sessions per year for the policyholder.
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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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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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Health services complementary to the insurance
You will have access to DKV Famedic Salud y Bienestar's entire catalogue of health and well-being services at lower-than-market prices.
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Billing and accounting management service
For the policyholder using the Factuconta tool by Contasimple, which is designed to help with invoicing, accounts and taxes required by a self-employer.
Price 8 family members
DKV Famedic Profesional
The most affordable health insurance. Up to 8 family members for the same price.
Take it out for €35.50/month
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Reduced medical directory
Medical centres in the DKV Famedic network.
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Primary care
General medicine, nursing, paediatrics.
-
7 medical specialities
General medicine, nursing, paediatrics, gynaecology (including an annual check-up), ophthalmology, dermatology and traumatology.
-
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 the 7 specialities covered, 24h medical chat, electronic prescription and health folder.
-
Dental policy included
47 treatments included and the rest with major discounts.
-
Physiotherapy
20 sessions per year for the policyholder.
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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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Worldwide medical assistance when travelling
Up to €30,000 for journeys of up to 180 days, in the event of an emergency.
-
Health services complementary to the insurance
You will have access to DKV Famedic Salud y Bienestar's entire catalogue of health and well-being services at lower-than-market prices.
-
Billing and accounting management service
For the policyholder using the Factuconta tool by Contasimple, which is designed to help with invoicing, accounts and taxes required by a self-employer.
Are you looking for another type of insurance?
We have designed insurance 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 health insurance without waiting periods
We answer the most frequently asked questions about insurance with no waiting periods.
What is the waiting period in health insurance?
The 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 access some of the services and cover included in the policy.
How long is the waiting period for a health insurance policy?
The waiting period for a health insurance policy may vary depending on the type of insurance taken out and the cover included.
Each policy specifies the waiting periods in its specific terms and conditions, and it is important to review them to understand exactly what the waiting times are for each type of cover.
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.
Can I take out a health insurance policy without waiting periods online?
At DKV, we offer tools to make your life easier. Below, you can calculate the price of our health insurance policies without waiting periods, which will allow you to compare different options and take out the one that best suits your needs.
Calculate the price of your health insurance without waiting periods here