Insurance that reimburses your expenses so that you can take care of your health without borders

  • Choose the doctor and centre you want to go to freely.
  • You will be able to go to any medical centre that is not part of the DKV directory, and we will reimburse between 80% and 90% of your total expenses.
  • Online reimbursement of expenses in less than 7 days on the website or through the app, simply by uploading a photograph.
  • Dental service included
More information

What type of reimbursement experience is best for you?


I am looking for an insurance policy that covers me in my country of origin and wherever I go"

DKV Mundisalud Complet

  • Overall limit: €62,000
  • Reimbursement in Spain: 80%
  • Reimbursement abroad: 90%
  • Reimbursement of bills in less than 7 days
  • Dental cover included
DKV Mundisalud Classic

I need health insurance that suits my work-life rhythm."

DKV Mundisalud Classic

  • Global limit: €237,000
  • Reimbursement in Spain: 80%
  • Reimbursement abroad: 90%
  • Medical assistance for traffic and occupational accidents
  • Assisted reproduction cover included
DKV Mundisalud Elite

I need an insurance policy that takes care of my family regardless of when, how or where."

DKV Mundisalud Elite

  • Overall limit: €310,000
  • Reimbursement in Spain: 90%
  • Reimbursement abroad: 90%
  • Hospitalisation without a limit of days
  • Assistance in pregnancy and childbirth
  • Reimbursement of pharmacy expenses and vaccinations
Take care of your health with the peace of mind of being seen to anywhere in the world, without having to worry about the cost of your medical bill
Cover and services

What cover and services does DKV Mundisalud reimbursement insurance provide?

The DKV Mundisalud health insurance allows you freedom to choose the specialist or medical centre you wish to visit, anywhere in the world, regardless of whether they are part of our medical directory. Reimbursement insurance, so that if you choose a non-associated doctor or centre, DKV will reimburse the corresponding percentage of the bill according to the modality you have contracted.

Included cover

Access to all doctors and health centres around the world

Both in Spain and abroad, you can go to any medical centre that is not part of the DKV directory, and we will reimburse between 80% and 90% of your total expenses.

More than 29,000 doctors and 1,000 medical centres

You will have access to our extensive network of associated specialists and medical centres in Spain, with no copayments or additional costs.

Primary care

General practice, emergencies, paediatrics, ambulance service, tests...

Direct access to all specialities

Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests

Surgery and hospitalisation

Oncology and renal treatment, among others; surgery; hospitalization (ICU and pregnancy-related included); prostheses; and much more!


Unlike other health insurances in the sector, yours includes a dental service.

Assisted reproduction cover

Assisted reproduction coverage for Mundisalud Classic, Élite or Premium.

Second medical opinion

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

Always covered, for any unexpected event

If you have any kind of occupational or traffic accident, don't worry, we will assist you.

Services included

Contact a doctor on your mobile phone

You will be able to contact a doctor by phone, video call or chat. Getting a first medical opinion has never been so easy.

The latest technology at your fingertips.

3D/4D ultrasound scan in pregnancy included.

Reimbursement in less than 7 days

We will reimburse you the amount of your bills as soon as possible, within a maximum of 7 days. You can also request a reimbursement directly on the website or the app, simply by uploading a photograph.

Everything you need, always covered

Chiropody, physiotherapy and rehabilitation with no limit of sessions.


20 sessions/year and 40 for eating disorders, bullying at school, cyber-bullying, occupational stress and gender-based or domestic violence.

Access to the Health and Well-being Club

Discounts on hair prostheses in oncological processes, presbyopia surgery, myopia surgery, postpartum home care, etc.

Medical phone lines

Specialised telephone assistance for paediatrics, childhood obesity, nutrition, pregnancy, women's health, tropical health, sports and emotional psychology.

Extensive preventive programmes

Free advice on childhood health, healthy pregnancy and childbirth, coronary risk prevention, women's cancer, prostate cancer, colorectal cancer, diabetes and stroke.

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 an individual policy
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.
To reduce the costs of protecting your family, you will have a discount of up to 12% on your family insurance.
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. Download our apps and rediscover the world of health.

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

Quiero Cuidarme app

It is a digital health platform that enables you to manage the most important aspects of your health: selfcare, 24-hour medical assistance, health diary, health file, coach, digital midwife and much more.

DKV health insurance app and Customer area

DKV medical directory app

We design customer-oriented digital solutions, offering all the functionalities required to complete any formalities in a quick and efficient way. Spend your time enjoying your health!

DKV Reembolso App

DKV Reembolso App

The application that you can use to submit your reimbursable expenses without having to go to a branch or scan documents. You can use the app to take a photo of your medical bill and receive the money in less than 7 days, monitor your requests and access your payment history.

Shall we call you?
Your global reimbursement insurance for less than you think
Your global reimbursement insurance for less than you think

Enter and get a free quote on the price of your reimbursement health insurance


Conditions, qualifying periods and documentation

Terms and Conditions

The provisions of DKV Mundisalud start on day one. Only the following services have waiting periods:

  • Hospitalisation and surgery (including prostheses): 6 months
  • Childbirth (except for premature births): 8 months
  • Transplants: 12 months

Reimbursement limits and modalities

There is no expense limit if you use the DKV medical directory; in all other cases, the limits depend on the modality contracted.

Choose the type the suits you best, from:

  • Complet, Bonus, Classic and Élite