To learn in further detail about the cover and services included in health insurance, it is important to go over the terms and conditions of each product. 

On our website, you have access to detailed information about the cover of each of our health insurance policies.

• DKV Famedic Plus

• DKV Modular

• DKV Integral

These insurance policies differ from each other in the cover and services included. We offer a wide range of options so you can choose the one that best suits your needs

See all our information and choose the one that suits you best.

The pre-existing conditions that you had in your previous company will remain, but we will eliminate the waiting periods, so all health services will be available from day one.

A customer who takes out a DKV health insurance will permanently benefit from a lower price in one of these cases:

• Discounts according to the payment method: 2.8% (quarterly payment), 4.6% (half-yearly payment) and 7% (yearly payment)

• Discounts according to the number of insured persons: 7% (four insured persons), 12% (more than four insured persons)

• Discounts applicable based on the current promotion. In the case of DKV Integral, insured persons who take out the health insurance before 28 February 2022 will obtain a 36% discount on the rate for 2022, a 30% discount in 2023, a 24% discount in 2024 and a 12% discount in 2025.

These discounts can be accumulated.

The duration of the contract is stipulated in the policy. It is annual and can be renewed by calendar years. The contract is renewed automatically every year without requiring confirmation.

However, both you and DKV can cancel the contract before the maturity date, provided that demonstrable notification has been given to the other party. One month’s notice is required for the policyholder and two months for DKV.

However, as a differential value proposal on the market, we commit to not cancelling the policy of insured persons with an individual modality that have remained in the policy for three consecutive years. Therefore, it will be a lifelong policy after the third year.

Any policyholder who wishes to request the cancellation of the policy must do so in writing at least one month before the policy's maturity.

Health insurance policies expire at the end of the calendar year, i.e. 31 December; other policies expire one year from the date the contract enters into force.

The following must be included in the cancellation request:
• Tax ID (NIF/NIE) of the policyholder (a scan is fine if sending by email).
• Policy or card number.
• Signature of the policyholder.

You may send your application:
• By post or fax to your local branch.
• By email at atencion.cliente@dkvseguros.es. In this case, please attach the scanned Tax ID number/ Foreign resident ID and the document signed by the policyholder.

In addition, if you change your mind after having signed a policy, you have the so-called "right of withdrawal". Once you sign a contract, you have fourteen calendar days to cancel it, and you must notify the company in writing or by telephone. In any case, make sure beforehand that the company in question accepts that option.