Frequently asked questions about medical directory health insurance
Which is the health insurance's basic cover?
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.
These insurance policies differ from each other in the cover and services included. We offer you a wide range of options so you can choose the one that best suits your needs: medical directory or mixed reimbursement insurance policies, comprehensive insurance policies or by modules, and so on.
See all our information and choose the one that suits you best.
I have a health insurance policy with another company, and I would like to change to DKV. Are there any pre-existing conditions and waiting periods?
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.
What discounts can I enjoy when taking out my health insurance?
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.
What is the duration of a health insurance policy?
We will explain to you how the duration of the health insurance policy works, when it expires and its renewal. Here
How do I request the cancellation of my insurance?
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 email@example.com. 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.
Las Pre-existing conditions are circumstances that customers present and that have affected or may alter their normal state of health. The sequelae of injuries and any chronic or hereditary disease prior to taking out the policy are considered pre-existing conditions.
Does health insurance cover pre-existing conditions?
A health insurance with copayment is a policy in which customers pay a fixed amount for their insurance, either monthly or yearly, as well as a variable amount, which depends on the times that they have used the policy during the month.
In addition, according to the conditions of the policy, customers will pay the money separately, each time they go to the doctor or the company will include the additional amount in the monthly bill.
At DKV, the copayment varies according to the insurance modality you choose. For example, in the DKV Integral medical directory insurance you can choose between the following:
With high copayment: Complet
With low copayment: Classic
Without copayment: Élite
Example of consultation:
General medicine, paediatrics and nursing (€12 with DKV Integral Complet, €1.95 with DKV Integral Classic)
Other specialities (€20 with DKV Integral Complet, €2.95 with DKV Integral Classic)
The copayment modalities we offer allow you to adjust the price of your insurance even more to what you are prepared to pay and to how you believe you will use it, giving you the possibility of choosing between several options.
Copayments in health insurance
Very simple: the insurance's annual amount is lower. If you regularly visit the doctor, the final disbursement will be much lower than that of the health insurance without copayments. Although, copayments usually range between 1 and 20 euros. Further information
What are the benefits of copayment?
In this type of health insurance, a fixed amount is paid for using the services included in the policy, without a price increase for each visit you make.
It is a flat rate with some annual limitations that may be established in the policy and that you should be aware of (the cost of gauze, splints, medicine or ointments may not be included).
As a result, you will not have to pay any additional charge when you use your insurance.
Health insurance without copayments
This insurance's services and cover are distributed into three modules, from which you can take out one, two or all three, adjusting them to your needs in different combinations. Further information
I want to take out a module-based health insurance policy in which I can choose the cover. What does each module include?
The following tests are included DKV Modularin the insurance's module A:
Basic blood and urine tests (excluding hormone, immune, genetic and molecular biological testing)
Simple X-rays without contrast
What type of tests in the clinic are included in Module A of DKV Modular?
A waiting period is the period of time set in the contract, from the date the policy enters into force, during which part of the cover included in the policy guarantees does not take effect. This period is calculated by months, counting from the effective date of the policy for each of the insured persons included in it.
Diagnostic means and tests do not have a waiting period, except for the biomechanical gait analysis. The supplementary cover exclusive to DKV Integral in its individual modality has a waiting period of 6 months.
In addition to this test, there are another four services with waiting periods, which are common to all products:
Surgery and hospitalisation, including surgical prostheses, for any reason and of any kind, will have a waiting period of six months, except in the cases of a life-threatening emergency or as a result of an accident.
Treatment for any kind of childbirth (except premature childbirth) or Caesarean operation will have a waiting period of eight months.
Transplants have a waiting period of twelve months.
Healthcare for HIV/AIDS has an exclusion period of twelve months (see definition of ‘exclusion period’ in section 2, Basic concepts. Definitions).
The rest of the provisions covered by the insurance have no waiting periods, so you can use them from day one. DKV also offers you other insurance policies with additional cover, which may have an additional waiting period.
Waiting periods, what are they? Do medical tests have a waiting period?
If you are over 70 years old and want to take out health insurance, you must consider the maximum contracting age offered by each company. Some insurers set the maximum age to take out insurance at 65 or 70 years of age.
You will also find policies that do not have a maximum contracting age, so it is important that you study the available options. Also pay attention to the age from which the company may not renew your health insurance. Find out as much as you can before you decide, because there are insurers who commit to not cancelling the contract after a set validity period.
At DKV, we have the highest age for taking out insurance on the market: up to the age of 75, in an individual modality.
Although we also offer health insurance with no maximum age limit, such as DKV Famedic Plus, an economical health insurance with basic cover designed for everyone, without any age restrictions or limits.