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 7 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.
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 copayment
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.
WITHOUT COPAYMENT
take it out for €25.5/month
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Medical directory
Unlimited access in Plus medical centres.
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Primary care
Medical assistance in the centre and at home, paediatrics, nursing service and ambulance service for emergencies.
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7 medical specialities
General practice, nursing, paediatrics, gynaecology (with cytology and ultrasound), ophthalmology, dermatology and traumatology.
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Dental policy included
47 free treatments and the rest with major discounts.
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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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Psychology
20 sessions/year and 40 for eating disorders, bullying at school, cyber-bullying, occupational stress and gender-based or domestic violence.
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Podiatry, physiotherapy and rehabilitation
No limit on sessions.
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Worldwide travel assistance
Worldwide emergency travel assistance. Maximum 180 days/trip, €20,000 cover
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Surgery and hospitalisation
Hospital care for medical or surgical treatment.
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My 'Personal doctor' and paediatrician
Your guide and adviser, with whom to arrange health consultations via chat and video call and who will refer you to medical specialists when you need it.
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Health assistant
Personal adviser for processing authorisations and in-person medical appointments.
up to 20% disc.
DKV Profesional
Made-to-measure health insurance. You can take out the cover you need and personalise your insurance.
WITHOUT COPAYMENT
take it out from €16/month
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Medical directory
More than 51,000 specialists and 1,000 medical centres across Spain
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Primary care
Medical assistance in the centre and at home, paediatrics, nursing service and ambulance service for emergencies.
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All specialities
Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests.
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Dental policy included
50 free treatments and the rest with major discounts.
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Video consultation and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
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Psychology
20 sessions/year and 40 for eating disorders, bullying at school, occupational stress and gender-based or domestic violence.
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Podiatry, physiotherapy and rehabilitation
No limit on sessions.
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Worldwide travel assistance
Worldwide emergency travel assistance. Maximum 180 days/trip, €20,000 cover.
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Surgery and hospitalisation
ONLY if you take out the hospitalisation module
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My 'Personal doctor' and paediatrician
Your guide and adviser, with whom to arrange health consultations via chat and video call and who will refer you to medical specialists when you need it.
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Health assistant
Personal adviser for processing authorisations and in-person medical appointments.
30% disc.
Premium Elite Personal Doctor
Insurance with a personal medical service and a health assistant to manage all your procedures.
WITHOUT COPAYMENT
take it out from €31/month
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Medical directory
Medical directory ALWAYS guided by your Personal Doctor, who will refer you to specialists. 51,000 specialists and 1,000 medical centres available.
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Primary care
Medical assistance in the centre and at home, paediatrics, nursing service and ambulance service for emergencies.
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All specialities
Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests.
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Dental policy included
50 free treatments and the rest with major discounts.
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Video consultation and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
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Psychology
20 sessions/year and 40 for eating disorders, bullying at school, cyber-bullying, occupational stress and gender-based or domestic violence.
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Podiatry, physiotherapy and rehabilitation
No limit on sessions.
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Worldwide travel assistance
Worldwide emergency travel assistance. Maximum 180 days/trip, €20,000 cover
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Surgery and hospitalisation
Hospital care for medical or surgical treatment.
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My 'Personal doctor' and paediatrician
Your guide and adviser, with whom to arrange health consultations via chat and video call and who will refer you to medical specialists when you need it
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Health assistant
Personal adviser for processing authorisations and in-person medical appointments
Up to 30% disc.
DKV Integral Elite
The most comprehensive medical directory insurance. Make sure you have the most convenient and fast healthcare.
WITHOUT COPAYMENT
take it out from €34/month
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Medical directory
More than 51,000 specialists and 1,000 medical centres across Spain
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Primary care
Medical assistance in the centre and at home, paediatrics, nursing service and ambulance service for emergencies.
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All specialities
Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests.
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Dental policy included
50 free treatments and the rest with major discounts.
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Video consultation and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
-
Psychology
20 sessions/year and 40 for eating disorders, bullying at school, cyber-bullying, occupational stress and gender-based or domestic violence.
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Podiatry, physiotherapy and rehabilitation
No limit on sessions.
-
Worldwide travel assistance
Worldwide emergency travel assistance. Maximum 180 days/trip, €20,000 cover
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Surgery and hospitalisation
Hospital care for medical or surgical treatment.
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My 'Personal doctor' and paediatrician
Your guide and adviser, with whom to arrange health consultations via chat and video call and who will refer you to medical specialists when you need it.
-
Health assistant
Personal adviser for processing authorisations and in-person medical appointments.
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 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 insurance without copayments
What is health insurance without copayment?
A health insurance policy without copayment involves the customer paying a fixed price without additional costs, regardless of the number of times the contracted services are used, the number of visits to the specialist or the treatments or diagnostic tests carried out.
Who are health insurance policies without copayments intended for?
Health insurance without copayments is designed if you are going to use your insurance quite frequently, if you don't mind paying a slightly higher premium and you 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.