Insurance for seniors

Health insurance for the elderly

We are at your side in every moment of your life regardless of your age. Enjoy all the benefits of having health insurance at any age

  • We have cover and preventive plans according to your needs: chiropody, physiotherapy and rehabilitation...

  • With the most innovative means and the latest technology

  • Unlimited queries to specialists: ophthalmologist, cardiologist, rheumatologist, digestive system, geriatrics, gynaecologist, etc.

  • Private room without limit of days in the event of hospitalisation.

  • Worldwide travel assistance abroad

  • We have the highest age limit for taking out insurance on the market, up to 75!

Age for taking out insurance
High age for taking out insurance

Possibility of taking out your health insurance policy with up to 75 years of age. We are the company with the highest age limit for taking out insurance

Medical directory
Unlimited consultations

With more than 51,000 professionals, you can go from day one to consultations for ophthalmology, urology, gynaecology, cardiology, geriatrics, rheumatology, traumatology, etc.

Conditions and commitment
Our conditions set us apart

Commitment to not cancel the policy after the third year, whatever happens.

Video consultation and chat with specialists
Telephone medical assistance

Your doctor 24 hours available for consultation on health symptoms. In addition to the possibility of scheduling a virtual consultation by video call.

A comprehensive insurance policy for whoever is looking for peace of mind

DKV Integral medical directory health insurance

Health insurance for older adults

Enjoy health insurance that offers you the best cover to take care of your health, with immediate access to all specialities, preventive plans and no limit for hospitalisation and surgery.

DKV Dentisalud Classic

Dental insurance for older adults

It includes a dental insurance with no exclusions or age limits, with preventive treatments and discounts on implantology.

DKV Protección Familiar

Death insurance for older adults

Family assistance with legal advice and management services so that neither you nor your family have to worry about anything.

Taking out insurance by phone

Calculate and take out your insurance

Call us with no strings attached at 974 887 003

Age for taking out insurance

Satisfied customers over 55 years old.

Best hospitals

The most prestigious private hospitals in the country

Briefing note

Authorisations managed swiftly through the customer area or app.

Video consultation and chat with specialists
+ 315,000

Health consultations attended over the phone in one year

Why take out a health insurance after 50 years of age?

Speed in medical care

The average waiting time in the Spanish Social Security for a consultation with a specialist is X days. Request an appointment directly without going to the GP.

Access to the best hospitals

Medical directory with more than 51,000 professionals and 1,000 health centres to visit, such as the clinics Teknon, Quirón, Ruber, CUN*, etc., without having to pay more for them.

Comfort and privacy during hospitalisation

Private room in the event of hospitalisation with a bed for your companion.

Exclusive cover of DKV Integral

Chiropody, physiotherapy, rehabilitation with no limit of sessions and dental cover with more than 47 treatments included.

See additional health services

Exclusive discounts in services for the older adults: retirement homes, day centres, physiotherapy, progressive lenses, cognitive stimulation therapies, remote care, orthopaedics and hearing aids.

Prevention plans

Yearly medical check-up, pain unit, geriatric unit, prostate and colon cancer prevention plan.

Compare the cover of our health insurance policies

Which health insurance covers your needs?


DKV Integral Classic

Our medical directory insurance with direct access to more than 51,000 specialists, without waiting lists and lowest copayments.

DKV Integral Élite

Our most popular medical directory insurance. Direct access with no copayment to more than 51,000 specialists with no waiting lists

DKV Mundisalud Classic

80% reimbursement of medical fees in Spain and 90% abroad, with a limit of €237,000.

Primary care

Medical assistance in the centre and at home, paediatrics, nursing service and ambulance service for emergencies.

All the medical specialities: ophthalmology, urology, gynaecology, cardiology, geriatrics, rheumatology, traumatology…
Surgery and hospitalisation

Hospital care for medical or surgical treatment.

Second medical opinion for serious illness

Second medical opinion for serious illness

Podiatry, physiotherapy and rehabilitation

No limit on sessions.

Dental policy included

Consultations, extractions, stomatological treatment, fluoridations, dental cleans and dental x-rays associated with these treatments. Sealants and fillings for children under 14 years. Rest of services with discount.

Medical care in accidents

If you have any kind of occupational or traffic accident, don't worry, we will help you.

Prostheses without limits
Health services added to the DKV Club Salud y Bienestar

Orthopaedics, optics, hearing aids and day centres

Maximum age to take out the insurance
75 years of age 75 years of age 75 years of age
Free choice of doctors and centres with reimbursement of expenses
no no
Reimbursement of pharmacy expenses
no no

50% up to 100 euros/year

Cataract surgery lenses
no no
Contribution for medical treatment
With low copayment Without copayment Without copayment

The amount you have to pay when you use certain services.


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Exercise for older adults

The importance of doing exercise

Physical exercise is essential at any age, but as we get older, keeping active will avoid having weak bones and muscles. This guide has information on the benefits of sports and how it affects your health, and it includes a list of exercises to do at home, as well as a weekly routine, to keep fit.

I was looking for an insurance policy that I could take out at my age without any hassle. I found DKV because the age limit is very high and I can go to any medical speciality whenever I need it, even when I am at my second residence.

Jose María López

With DKV, I have a personalised plan aimed at prevention and taking care of my health. The care is great, and I have a telephone number to talk to a doctor whenever I need it.

Lola Cáceres

I have always relied on Social Security, but being able to skip waiting lists to see a specialist and enjoying a physiotherapy and rehabilitation service has been great for us.

Sebastian Martínez

Frequently asked questions about insurance for older adults

Up to which age can I take out my health insurance?

As a general rule, our insurance policies, in the individual modality, have a limit of 75 years of age. Except DKV Famedic Plus and Profesional, where there is no maximum age limit for taking out insurance, since their cover is limited to consultations in 8 specific specialities and they do not include diagnostic tests, surgery or hospitalisation.

If I come from another insurance company, is the age limit maintained?

Yes, the age limit for health insurance is 75.

Can I go to a specialist in another province other than my place of residence?

Of course. The DKV medical directory has more than 51,000 specialists across Spain. If you are in another municipality for personal, leisure or work reasons, find the centre and doctor nearest to you and ask for an appointment.

Do I have dental cover?

Yes, our health insurance policies, unlike others, include free dental cover. 47 dental services included at no additional cost and others with discounts on the market price.

Is there an emergency helpline?

You enjoy a 24h medical helpline, in addition to another 8 specialised medical helplines and medical assistance abroad.

How can I sign up for the preventive plans?

The Healthy life plans are a DKV project aimed at promoting the prevention of illnesses and healthy lifestyle habits among its insured customers. Free of charge, just fill in a form to sign up. We will send you a username and password to the email address you provide us, and they will give you access to personalised services.

Can I take out health insurance if I have an illness?

A pre-existing condition is a health condition, alteration or organic disorder that existed before the time the insurance was taken out. On some instances, you can pay a premium surcharge, which is an additional amount or additional premium paid to cover a risk excluded from the general terms and conditions.

How can I change to DKV from another insurance company?

If you have a policy with another company, you will have to fill out the application and health questionnaire to make the change. As a new insured person from another company, there will be no waiting periods, but no pre-existing conditions will be accepted.

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Please call us on:

900 810 072

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Please call us on:

900 810 073

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