Health insurance without copayments
Choose health insurance without copayments if you're going to use it frequently.
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Fixed payment, regardless of the use you give to the insurance and the times you visit a specialist or the tests that you undergo.
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We commit to not raising your payment for the use you make of the insurance.
Why choose health insurance without copayments?
Don't worry about the number of visits to the doctor or unexpected expenses.
+51,000 medical professionals at your disposal and 8 of the 10 best hospitals in the country.
Unlimited virtual consultations with specialists by video call and chat.
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 without copayment
PRICE 8 FAMILY MEMBERS
DKV Famedic
Plus
The most affordable health insurance. Up to 8 family members for the same price.
WITHOUT COPAYMENT
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 and 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 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.
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Health assistant
An adviser for processing authorisations and medical appointments.
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Without copayment
All included in your payment. €0 General medicine, paediatrics, nursing and specialities.
20% disc.
DKV Élite Personal Doctor
Insurance with a personal medical service and a health assistant to manage all your procedures.
WITHOUT COPAYMENT
take it out from €25/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.
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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 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.
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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.
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Health assistant
An adviser for processing authorisations and medical appointments.
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Without copayment
All included in your payment. €0 General medicine, paediatrics, nursing and specialities.
UP TO 25% Disc.
DKV Premium Élite Personal Doctor
Insurance with a personal medical service and a health assistant to manage all your procedures.
WITHOUT COPAYMENT
take it out from €36/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.
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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
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.
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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.
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Health assistant
An adviser for processing authorisations and medical appointments.
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Without copayment
All included in your payment. €0 General medicine, paediatrics, nursing and specialities.
Up to 25% Disc.
DKV Integral
Élite
The most comprehensive medical directory insurance. Make sure you have the most convenient and fast healthcare.
WITHOUT COPAYMENT
take it out from €40/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
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
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 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.
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Health assistant
An adviser for processing authorisations and medical appointments.
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Without copayment
All included in your payment. €0 General medicine, paediatrics, nursing and specialities.
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 with a personal doctor
If you want digital insurance with a personal doctor to assist and advise you whenever you need it.
Reimbursement health insurance
If you are travelling abroad or if you have reference specialists who are not in the associated medical directory, you need a reimbursement health insurance.
Frequently asked questions about health insurance without copayments
We answer the most frequently asked questions about insurance without copayment
What is health insurance without copayment?
With health insurance without copayment, you will pay a fixed monthly premium, regardless of how many times you use the insurance, visit a specialist or take medical tests.
Health insurance without copayment is a policy where the customer pays a fixed premium, with no additional costs, regardless of how many times they use the agreed services, visit the specialist or have treatment or take diagnostic tests.
Who are health insurance policies without copayments intended for?
Health insurance without copayments is designed for people who think they are going to use the insurance frequently, don't mind paying a slightly higher premium and don't want to have additional expenses.
Do I have any limits on the use of insurance without copayments?
The copayment only affects the payment. The cover and services will be the same whether you choose a health insurance policy with copayments or without copayments. You will not have a limit on visits to specialists or diagnostic tests.
What is the difference between a health insurance policy with copayment and without copayment?
Health insurance policies without copayment: health insurance policies without copayment only require you to pay a fixed premium, regardless of the number of times you use the medical services.
Health insurance policies with copayment: health insurance policies with copayment involve paying a fixed premium and an extra payment whenever you visit a specialist or have a medical test.
When taking out an insurance policy without copayment, can I choose any specialist from the medical directory?
Yes, you can choose any specialist from the medical directory, since the copayment only affects the payment. The cover and services are the same, whether you choose an insurance policy with or without copayment. Therefore, you'll have access to all your policy's specialists with both options.