Psychology coverage in family health insurance

Emotional wellbeing is an essential part of family health. Stress, anxiety, problems at school, complex personal situations, or changes in the environment can affect both adults and children.

Having psychology coverage in a family health insurance is becoming increasingly important. It allows access to professional support when needed and accompanies the whole family in key moments.

Why include psychology in a family insurance policy?

Mental health needs are not isolated incidents nor are they exclusive to a specific stage of life:

• In childhood, behavioural, learning, or adjustment problems may arise.

• In adolescence, there may be situations such as academic pressure or self-esteem.

• In adults, work-related stress, anxiety, or life changes are common.

Having access to psychology allows for earlier intervention and prevents problems from worsening. In addition, it provides professional support during challenging times.

Psychology coverage with DKV Integral

DKV Integral insurance includes clinical psychology coverage within its benefits.

This coverage includes:

• Individual psychotherapy sessions, both in-person and via telepsychotherapy.

• Carried out by psychologists affiliated with the DKV network.

• With prior prescription from a medical specialist, such as psychiatrist, paediatrician or oncologist, depending on the case.

Regarding the limits:

• Up to 20 sessions per insured person per calendar year.

• Expandable to 40 sessions in specific situations.

These situations include:

• Insured persons up to 24 years old.

• Eating disorders.

• School bullying.

• Gender or family-based violence.

• Work-related stress or cyberbullying.

In addition, treatments related to disorders such as ADHD or ASD are included, depending on the patient's age and needs.

It's important to note that:

• There is a 6-month waiting period for this benefit.

Digital psychology and emotional support

DKV Integral does not only cover traditional psychotherapy. It also includes digital tools focused on emotional wellbeing:

• Access to psychological support from the Quiero Cuidarme Más app.

• Video consultations and tools for assessing emotional state.

• Telepsychotherapy services within the DKV network.

In addition, insured persons can make use of a psycho-emotional support helpline, with several psychological counselling sessions per year, designed to resolve doubts or provide initial support.

What about more basic options like DKV Famedic Plus?

In more affordable models such as DKV Famedic Plus, the approach is different.

In this case:

• It includes a basic psychological support helpline, with several consultations per year for guidance.

• You also have access to psychologists within the network, but with reduced rates or through direct payment.

This makes Famedic Plus a more suitable option for:

• Easy access to initial counselling.

• Reduced prices for psychological services.

• Occasional or preventative use.

While DKV Integral offers a more comprehensive and structured coverage within health insurance.

How much can it influence the family budget?

Psychological care usually requires several sessions over time. In a family setting, it is common for more than one person to need support at different times.

Having insurance that includes psychology coverage allows you to:

• Access sessions without paying the full cost for each visit.

• Facilitate continuity of treatment.

• Make decisions with less economic impact.

This is especially relevant in processes that require follow-up, such as anxiety, emotional conflicts, or situations of change.