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

  • Special offer! 25% discount on your reimbursement insurance.
  • 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.
  • Also, unlimited video consultation via our app "Quiero cuidarme más", with these specialties: general medicine, paediatrics, gynaecology, dermatology, traumatology, psychology and endocrinology.
More information
WE'LL HELP YOU CHOOSE YOUR INSURANCE

What type of reimbursement experience is best for you?

Foreigners_Seniors

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

DKV Mundisalud Complet

  • You will have access to all doctors and centres around the world
  • Overall limit: €62,000
  • Reimbursement in Spain: 80%
  • Reimbursement abroad: 90%
  • Reimbursement of bills in less than 7 days
  • Dental cover included
  • You will have access to a doctor by phone, video call or chat
DKV Mundisalud Classic

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

DKV Mundisalud Classic

  • You will have access to all doctors and centres around the world
  • Global limit: €237,000
  • Reimbursement in Spain: 80%
  • Reimbursement abroad: 90%
  • Medical assistance for traffic and occupational accidents
  • Assisted reproduction cover included
  • You will have access to a doctor by phone, video call or chat
DKV Mundisalud Elite

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

DKV Mundisalud Elite

  • You will have access to all doctors and centres around the world
  • 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
  • You will have access to a doctor by phone, video call or chat
THE BEST GLOBAL ASSISTANCE
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?

DKV Mundisalud offers you the option of receiving treatment anywhere in the world, even from physicians outside the DKV medical directory. You won't need to worry about the cost of the medical fees, and you will have access to the most cutting-edge technology and the most prestigious centres and physicians around the world. 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 purchased.

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 40,000 doctors and 1,000 medical centres

You can visit any physician and medical centre in the DKV medical directory in Spain with 100% coverage.

Primary care

General practice, nursing services, paediatrics, ER, ambulance service, 24-hour medical emergencies, tests...

Direct access to all specialities

Cardiology, dermatology, neurology, traumatology, gynaecology, oncology, etc… and diagnostic and therapeutical means: ultrasounds, magnetic resonances, CAT scans, radiotherapy, lithotripsy, etc.

Surgery and hospitalisation

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

Pharmacy coverage

We will reimburse 50% of the cost of medicines prescribed by your doctor, with a limit of €100 per customer per year.

Reimbursement for vaccinations

Rotavirus, HPV rescue, B-Bexsero meningitis..., we reimburse up to €50 per vaccine with a total limit of €150 per customer per year.

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.

Podiatry, physiotherapy and rehabilitation

No limit on sessions!

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. 

Psychotherapy

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

Services 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.

Smile

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

Medical phone lines

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

The latest technology at your fingertips.

3D/4D ultrasound scan in pregnancy included.

Always covered, for any unexpected event

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

Access to the Health and Well-being Club

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

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.

Assisted reproduction cover

Cover available for the Mundi Classic, Élite and Premium modality.

3D/4D ultrasound

High resolution ultrasound to see your baby in 3D/4D and in both still images and moving images.

Cataract surgery lenses

Monofocal, multifocal and toric intraocular lens for cataract surgery.

Orthoptics treatment for children

Reimbursement of fees for treatment for lazy eye or strabismus in children under 10 years of age (up to 10 sessions per year).

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 an 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. In addition, with the aim of expediting the invoice payment process, the DKV Reembolso app simplifies the process so you can receive the refund in less than 7 days.

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, video call or chat, and you can also check your symptoms and receive a diagnosis.In addition to enjoying self-care plans, 24-hour medical assistance, health diary, health folder, coach and digital midwife.

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! 

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.

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Your global reimbursement insurance for less than you think
Your global reimbursement insurance for less than you think

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ALL THE DETAILS ON DKV MUNDISALUD

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 surgical procedures (including prostheses): 6 months
  • Gait analysis: 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

Download the documentation

Information on DKV Mundisalud Insurance:

  • DKV Mundisalud sales 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' reimbursement insurance policies.
  • Briefing note: We are committed to clear language. We provide information about the insurance cover before you take it out so that you can get a better understanding of what it entails.​
  • Promotion terms and conditions: Promotion applicable to new insured persons who take out policies until 15/08. They will have a discount in 2020 and further discounts in the coming years,

Do you still have any questions? We will answer them with some FAQs:

Can I go to any centre worldwide?

You won't need to pay anything to go to a doctor via our authorised network.

Furthermore, both in Spain and abroad, you can go to any centre that is not part of the DKV directory, with a reimbursement of between 80% and 90% of your total expenses.

In other words: you will have the peace of mind of knowing that, in any unforeseen circumstances, you will have the most innovative methods and best technology possible at your disposal.

How does the reimbursement work?

You pay the bill to the healthcare professional or centre and DKV will reimburse the cost in accordance with the percentages and limits established in the particular conditions of your insurance policy.

What is the reimbursement limit?

This is the maximum amount per insured person per year that we will reimburse you.

The amount is different depending on the modality contracted.

We offer the following types of insurance, so that you pick the one that best suits your needs:

DKV Mundisalud Complet:

  1. Overall limit: 62,000 euros
  2. Reimbursement in Spain: 80%
  3. Reimbursement abroad: 90%

DKV Mundisalud Classic:

  1. Overall limit: 237,000 euros
  2. Reimbursement in Spain: 80%
  3. Reimbursement abroad: 90%

DKV Mundisalud Classic:

  1. Overall limit: 310,000 euros
  2. Reimbursement in Spain: 90%
  3. Reimbursement abroad: 90%
How long does it take to carry out the reimbursement?

We will reimburse you the amount of your bills as soon as possible, within a maximum of 7 days.

Where can I request a reimbursement?

You can request a reimbursement directly through the customer area or on the DKV Reembolso app, simply by uploading a photograph.

How can I contact a doctor via video consultation and chat?

You have to download our Quiero Cuidarme + app, and you will have unlimited access to the following services:

  1. Video consultations and chat in the following specialities: general medicine, paediatrics, gynaecology, dermatology, traumatology, psychology and endocrinology
  2. Symptom checker
  3. Digital midwife
  4. Coach
  5. Health folder: medical reports and diagnostic tests

To access all the services, you have to register. Remember that access is different to accessing the customer area.