Customised health insurance with network-affiliated medical directory

Choose the module best suited to you or combine them based on your needs.

  • Module A: primary care, paediatrics, nursing services and 24-hour medical emergencies
  • Module B: Specialists and diagnostic resources
  • Module C: Hospitalisation and surgical procedures
More information
WE'LL HELP YOU CHOOSE YOUR INSURANCE

Which modules are best suited to you?

DKV_Modular

I want to have my basic medical needs covered, without waiting or crowds."

Module A - Primary Care

  • You will have access to eight of the top 10 private healthcare providers in Spain: Clínica Universidad de Navarra, Universitario Quirón Madrid, Ruber Internacional, Quirón salud Barcelona...
  • Unlimited consultations by video call or chat with general practitioners and specialists via the app "Quiero cuidarme Más"
  • General medicine at a clinic and at home.
  • Paediatrics and nursing services.
  • 24-hour medical and paediatric emergencies.
DKV_Modular_B

I need an insurance that provides me access to specialists without the price rocketing."

Module B - Specialists

  • You will have access to eight of the top 10 private healthcare providers in Spain: Clínica Universidad de Navarra, Universitario Quirón Madrid, Ruber Internacional, Quirón salud Barcelona...
  • Unlimited consultations by video call or chat with general practitioners and specialists via the "Quiero Cuidarme Más" app.
  • All specialities: Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies...
  • Psychotherapy 20 sessions/year and 40 for eating disorders, bullying at school, cyber-bullying, occupational stress and gender-based or domestic violence.
  • Chiropody, physiotherapy and rehabilitation with no limit of sessions.
  • Includes diagnostic tests.
DKV_Modular_C

I am looking for an insurance that gives me peace of mind when any unforeseen event occurs, however serious it may be."

Module C - Hospitalisation

  • You will have access to eight of the top 10 private healthcare providers in Spain: Clínica Universidad de Navarra, Universitario Quirón Madrid, Ruber Internacional, Quirón salud Barcelona...
  • Unlimited consultations by video call or chat with general practitioners and specialists via the "Quiero Cuidarme Más" app.
  • Hospitalisation with no limit to the number of days (except for psychiatric treatment, max. 60 days/year).
  • Extensive transplant coverage. 
  • Compensation for hospitalisation when costs are not borne by DKV.
THE BEST PRIVATE HEALTHCARE
Protect your health with the prestige and quality provided by the European leader in medical insurance
Services included

Made-to-measure health insurance. With as much coverage as you need.

Access the best private medical care, only paying for the medical insurance you're interested in. Primary care, specialist doctors, or hospital care. Choose the module that suits your needs or combine them as you like to create your own personalised health insurance.

Available modules

Module A: Primary care

  • General medicine at a clinic and at home.
  • Paediatrics and childcare
  • Ambulances
  • Basic clinical analyses
  • Medical and paediatric emergencies

Module B: Specialists

  • All specialities: Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests
  • Treatments in the clinic.
  • Respiratory rehabilitation in COPD and COVID-19 or coronavirus sequalae.
  • PET/MRI in oncology.
  • Home therapy for obstructive sleep apnea.
  • 20 sessions per year of psychotherapy, and 40 sessions in cases of eating disorders, school bullying, work-related stress and gender-based or domestic violence.
  • Chiropody, physiotherapy and rehabilitation with no limit of sessions or qualifying periods.
  • Up to 20 sessions a year with a nutritionist. Treatment and management of obesity.
  • 3D mammogram
  • 3D/4D ultrasound during pregnancy.
  • Preventive programmes: child health, healthy pregnancy and childbirth, coronary risk prevention, women's cancer, prostate and colorectal cancer, stroke and diabetes.

Module C: Hospitalisation

  • Hospitalisation with no limit to the number of days (except for psychiatric treatment, max. 60 days/year).
  • Extensive transplant coverage.
  • Compensation for hospitalisation when costs are not borne by DKV (€80/day, maximum €2,400)

Regardless of the module you take out, you will have access to the following coverage

Pack your suitcases worry-free

You will be covered for up to 20,000 euros on journeys of up to 180 days. One of the highest limits on the market.

Smile

Unlike other health insurance policies within the sector, yours will include dental service cover.

Contact a doctor on your mobile phone

  • Check your symptoms and tell your doctor about them.
  • Video consultation and chat to speak to a doctor anytime, anywhere: general medicine, paediatrics, gynaecology, dermatology, traumatology, psychology, endocrinology, allergology, digestive system, cardiology, psychiatry, rheumatology, pain treatment, pulmonology, neurology, angiology, general surgery and otolaryngology, and with longer opening hours!
  • Ask the digital midwife any questions about pregnancy, the postpartum period and breastfeeding.
  • Electronic prescription so you can go straight to the pharmacy without visiting the practitioner.
  • Analytical and imaging test requests, as well as medical reports and results, in your health folder.
  • Have all your medical reports, diagnostic tests and analyses on hand in your digital health folder.
  • Coach: chat with a specialist who will help you to implement lifestyle changes, such as quitting smoking, losing weight or increasing physical activity, among others.
  • Free and unlimited service. 

Second medical opinion

If you want to compare the diagnosis of a serious illness and need a second opinion, look no further.

Medical phone lines

Free medical helplines for paediatrics, childhood obesity, nutrition, pregnancy, women's health, tropical medicine, sports medicine and psychological and mental health.

Medical care in accidents

If you suffer an occupational accident or a traffic accident, don't worry. You are also covered (according to the module taken out).

DKV Health and Wellbeing Club discounts

You will have access to the entire catalogue of health and well-being services at lower-than-market prices. Cosmetic services, assisted reproduction, nutrition, sports medicine, and care services for elderly people in residences and at home, and babysitting service.

Optional coverage for signing up on the phone

Healthcare for injuries sustained from an accident, capital in the event of death or disability, additional income after a traffic accident and additional capital for funeral expenses.

At DKV we are reinforcing our commitment towards you. Less promises, More ways of taking care of yourself!

Do you know what is new in your insurance for 2021? Among others, you have more telemedicine services and many new features in hospitalisation and surgery. We'll tell you all about it here! We are health activists.

Services against COVID-19

Because our main concern is to help flatten the infection curve, we have many initiatives and services in place to help our customers and society in general.

Prevention plans
Taking an antigen test at trusted centres as an additional diagnostic support service, always under medical prescription, as well as a PCR test when presenting symptoms or due to close contact with a positive patient. In addition, you can request it via a specific WhatsApp channel.
Cover included in the health policy
Respiratory rehabilitation due to COVID-19 or coronavirus sequalae. Maximum 10 sessions/year in children under 10 years of age, and 3 sessions/year in adults.
Telemedicine services
COVID symptom checker, 24h chat and unlimited video consultations with medical specialists with longer schedules via the Quiero cuidarme Más app.
Psychological support
We offer psychological support for customers admitted to hospital due to COVID-19.
Customer service
We want to answer your queries and help you carry out some of the main procedures with your insurance from home, using our WhatsApp service, over the phone or via the private customer area.
Additional services at lower-than-market prices
If the doctor considers that it is not necessary for you to request a PCR test or an antigen test due to your symptoms or contact, but you wish to take it anyway, as a DKV customer you can take this test and others through the DKV Health and Wellbeing Club.
Accurate and up-to-date information
Current medical content on COVID with the latest news on prevention measures, symptoms, treatments and future vaccine. Available in our Quiero Cuidarme blog.
Digital health

At DKV, we work to make your life easier

Health insurance that you can use, even without going to the doctor. Carry a doctor in your pocket with the Quiero Cuidarme Más app, by means of which you can enjoy unlimited consultations by video call or chat with general practitioners and specialists and manage your health from a single app.  For procedures related to your policy, go to the Customer Area, where you can see and process any formality without leaving home. In addition, in line with our objective of taking care of society's health, we are providing you access to our health blog with professional activities written by our medical team.

Customer area

Customer area

Our customer-oriented digital solutions have all the features you need to quickly and smoothly carry out your own procedures in a quick and efficient way from a single location, Customer area.. Sit back and enjoy your health! 

Quiero Cuidarme Más App [I want to take better care of myself App]

Quiero Cuidarme Más App

It is a digital health platform that enables you to manage the most important aspects of your health: you will receive private and confidential medical advice by phone or video call with specialists and a 24h chat, where you can also immediately check your symptoms and receive a diagnosis.In addition to offering self-care plans, online medical appointments, a health folder to receive and store your medical reports, electronic prescriptions without going to a consultation, coach to help you improve your habits, and digital midwife service to monitor your baby's postpartum and care.

Quiero Cuidarme blog

Quiero Cuidarme blog

The DKV blog from which to learn how to take care of yourself with health advice for all the family: food, sport, child health, pregnancy, prevention, leisure and emotional well-being.

  • Tips for a healthy diet and doing exercise
  • Professional articles written by our medical team
  • Emotional well-being guidance service
  • News on health, prevention and COVID-19
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Your flexible health insurance

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ALL THE DETAILS ABOUT DKV MODULAR

Conditions, qualifying periods and documentation

Grace periods

  • With the DKV Modular insurance all provisions can be used from day one; only the following services are subject to a waiting period:
  • Hospitalisation and surgical procedures (including prostheses): 6 months
  • Gait analysis: 6 months
  • Childbirth (except for premature births): 8 months
  • Transplants: 12 months

Copayment

The copayment is an amount you have to pay when you use certain services.

Terms and conditions of the contract

Any insurance policy must start with a commitment. Because your health and needs change over time, check if your insurance meets these needs. These are our commitments towards you.

  • Highest age for taking out insurance on the market: up to the age of 75, in an individual policy.
  • We will not raise the price based on the way you use it.
  • We commit to not cancelling your policy after the third year.
  • Because your family's health matters to us, benefit from a 7% discount if you are 4 insured persons, or 12% if you are 5 or more.
  • If you pay annually, you'll receive an additional 7.5% discount.

Documentation

Information about DKV Modular Insurance:

  • DKV Modular marketing brochure: Discover everything that your medical insurance offers you: cover, additional services, digital health and prevention programmes.
  • Terms and conditions of the contract: The aim of this document is to give a clear and simple response to some of the aspects included in the insurance.
  • Insurance information: Standard document with summarised information that will help you compare with other companies' insurance policies.