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 video consultations via our app "Quiero cuidarme más", with these specialities: general medicine, paediatrics, gynaecology, dermatology, traumatology, psychology and endocrinology.
  • 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 video consultations via our app "Quiero cuidarme más", with these specialities: general medicine, paediatrics, gynaecology, dermatology, traumatology, psychology and endocrinology.
  • 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 video consultations via our app "Quiero cuidarme más", with these specialities: general medicine, paediatrics, gynaecology, dermatology, traumatology, psychology and endocrinology.
  • 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.
  • 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 and endocrinology.
  • Ask the digital midwife any questions about pregnancy, the postpartum period and breastfeeding.
  • 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.

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

Terms and conditions of the contract

Any insurance policy must start with a commitment

And health is not just different for each of us. It also changes over time. This is why it is a good idea to periodically review your insurance and check whether it is still fully adapted to your needs at any time.

Peace of mind
Highest age for taking out insurance on the market: up to the age of 75 in the individual policy.
Commitment
We want to offer you insurance that lasts a lifetime, whatever happens. In other words: We won't increase the price because you use your insurance too much, and after the third year, we won't cancel it either.
Savings
To reduce the cost of your family insurance, you will receive a 7% discount if 4 people are insured, and a 12% discount if 5 or more people are insured.
Advantages
If you pay annually, you'll receive an additional 7.5% discount
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 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. Además, siguiendo nuestro objetivo de cuidar la salud de la sociedad, ponemos a tu disposición nuestro blog de salud con artículos profesionales redactados por nuestro equipo médico.

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: contacting a doctor by phone, video call or chat, selfcare plans, 24-hour medical assistance, health diary, health folder, coach, digital midwife and much more.

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, prevention, leisure and well-being.

  • Tips and recipes for a healthy diet
  • Professional articles written by our medical team
  • Interactive infographics with tips
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The health of your loved ones won't cost you a lot
Your flexible health insurance

Enter and calculate the price of your health insurance, with no strings attached

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.

Documentation