Health insurance with refund of expenses

With refund health insurance you choose the doctor and/or hospital you want to visit

Reimbursement insurance

  • You choose where to go
  • Online refund
  • Dental service included

From €55/month

Freedom to choose

Choose the doctor you want.

Quick refunds

Committed to providing the reimbursement in less than 7 days.

Online processes

You can request a reimbursement online.

Prevention plans

To improve your quality of life and prevent illness.

Compare the coverage of our most popular refund health insurance policies

If you have a reimbursement policy, you can freely choose the physicians and centres of your choice, even if they are not included DKV's medical directory (healthcare network).

  DKV Mundisalud Complet

Up to 80% refund of your bills in Spain and 90% abroad

DKV Mundisalud Classic

Take care of your health without borders.
Up to a limit of 237,000 euros/year

DKV Top Health

100% Reimbursement insurance, your most complete health insurance

General medicine and medical specialities
Surgery and hospitalisation
Diagnostic tests
Dental cover
DKV Healthcare Network 100% unlimited 100% unlimited 100% unlimited
Refund of medical expenses in Spain 80% up to 62,000 euros/year 80% up to 237,000 euros/year 100% unlimited
Refund of medical expenses abroad 90% up to 62,000 euros/year 90% up to 237,000 euros/year 100% unlimited
Reimbursement of medical pharmacy costs 50% up to 100 euros/year 50% up to 100 euros/year 100% unlimited
Network of clinics in the USA
Homeopathy and acupuncture  Maximum 50 EUR/enquiry Maximum 50 EUR/enquiry Maximum 50 EUR/enquiry
Prostheses Sin límite excepto
cardiovascular max. EUR12,000
Sin límite exceptocardiovascular max. EUR12,000 100% unlimited
Assisted reproduction techniques DKV discounts Health and Wellbeing Club

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