DKV Residentes health insurance

Refund of medical expenses health insurance for foreigners resident in Spain

DKV Residents

Combining the best private healthcare in Spain and Germany

From 140 EUR/month

Freedom to choose

Choose the doctor you want in Spain.

The advantages we offer

Commitment to not cancelling the policy and discounts for family policies.

Quick refunds

Committed to providing the reimbursement in less than 7 days.

We promote the digitisation of healthcare

To make it easier for you to look after yourself.

Want to know more about DKV Residentes refund insurance? I like to feel at home

Protect your health and that of your loved ones as you should and with the prestige and quality provided by the European leader in medical insurance. Combining the best private healthcare in Spain and in Germany.

  • Primary Health Care.
  • All specialities and diagnoses.
  • State-of-the-art diagnostic tools: 3D/4D pregnancy ultrasound, 3D mammography, CT scan for Crohn's disease, 3D virtual colonoscopy, diagnosis of coeliac disease, 
  • Biomechanical gait analysis in Podoactiva centres with a prescription from a network-affiliated traumatologist.
  • Therapeutic benefits: 20 speech therapy sessions/year, postpartum pelvic floor rehabilitation, 40 psychotherapy sessions in cases of cyberbullying.
  • Nutritionist for the treatment and control of obesity.
  • Surgical procedures and hospitalisation.
  • With no copayments for medical action.
  • Worldwide emergency travel assistance
  • Refund of expenses if the centre you choose is unaffiliated (in Spain)
  • 100% refund of expenses in Spain.
  • Refund of medication up to 1,000 EUR/year.
  • Dental service included
  • 100% refund for authorised dentists and 80% for unaffiliated dentists. Up to 3,000 EUR/year.
  • BEST CARE Service (optional): We guarantee you medical care in Germany with a renowned specialist in the case of severe illnesses.
  • Enjoy discounts with the DKV Health and Wellbeing Club
  • The latest diagnostic methods:
    • PET/MRI in oncology
    • Respiratory rehabilitation in chronic obstructive pulmonary diseases and COVID-19 sequalae
  • New therapeutic provisions:
    • Extension from 10 to 20 sessions/year of home therapy for obstructive sleep apnea
  • Hospitalisation and surgery:
    • Lacrimal plugs or punctal occluders to treat dry eye syndrome and constant tearing.
    • Non-invasive Endoscopic Submucosal Dissection (ESD) for the removal of tumours throughout the digestive tract.
    • Extension of intra-operation neurophysiological assessment (MNIO) in spinal surgery.
  • Other new features in coverage and services:
    • Cervical cancer prevention programme for women between 25 and 65 years of age. Includes taking a liquid sample that will be used in a smear test or High-risk Human Papilloma Virus (HPV) test.
    • Analytical tests and physiotherapy in level 3 dependency, covered by own services.
  • Health and wellbeing services through the DKV Club
    • 24h care for elderly people at home, through the company Cuideo.
    • Home care for elderly people, adaptable and chosen by the family. Aiudo follows up on the carer, registers them in the Spanish Social Security system and draws up their salary slips.
    • Nanny service through Nannify.
    • Treatment of mental health issues, such as behavioural disorders and addictions at the ITA network.
    • Sports medicine and physiotherapy, nutrition and physical conditioning with Ergodinámica.
  • 24-hour medical and paediatric helplines
  • Medical helplines to resolve any health-related questions with an expert in each subject: tropical medicine, nutrition, conditions affecting women, childhood obesity, pregnancy, sports medicine and psychological and emotional issues.
  • Psycho-emotional helpline
  • Unlimited video consultations with specialists: allergology, digestive system, cardiology, psychiatry, rheumatology, pain treatment, pulmonology, neurology, angiology, general surgery and otolaryngology. And with longer opening hours!
  • Symptom checker and 24-hour chat
  • Electronic prescription so you can go straight to the pharmacy without visiting the practitioner. Prescription and dispensing system approved by the Organización Médica Colegial (OMC).
  • Online medical appointment, analytical and imaging test requests, as well as a health folder to easily access your medical reports and receive your analytical results.
  • Health coach that will help you follow healthy living habits.
  • Digital midwife service for monitoring postpartum, breastfeeding and newborn care.
  • You can take out a policy up to the age of 75
  • Non-cancellation of policy from the third year onwards.

In some cases, in order to access certain guarantees, you have to wait for a certain amount of time before you can begin to enjoy the benefits of your policy.

  • With the DKV Residentes 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
    • Childbirth (except for premature deliveries): 8 months
    • Transplants: 12 months
    • Dental prostheses and maxillary orthopaedics. eight months.
    • Best Care: three months.
    • Assisted reproduction techniques (in individual modality): 48 months

 See DKV Residentes 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.

 Promotion terms and conditions: Special promotion for taking out new DKV Residentes policies for 2021.

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Because we are a socially responsible company, committed to protecting the environment and supporting social causes and, with our insurance cover and services, we work to build a healthier world.

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Experts in health and prevention

We give you what you need for all-round wellbeing.

We promote the digitisation of healthcare

To make it easier for you to look after yourself.

Committed to society and the planet

We contribute to its improvement responsibly.

DKV Integralia Foundation

For the occupational integration of people with functional diversity.