The most comprehensive health insurance policy, with 100% reimbursement of medical costs

  • Special offer! 25% discount on your reimbursement insurance.
  • Access the associated doctors and medical centres in the DKV medical directory.
  • Visit any unassociated doctor or medical centre around the world, with full reimbursement of costs.
  • We will reimburse you the amount of your bills as soon as possible, and within a maximum of 7 days.
  • Also, unlimited video consultation via our app "Quiero cuidarme más", with these specialties: general medicine, paediatrics, gynaecology, dermatology, traumatology, psychology and endocrinology.
More information

With full coverage and the world's best specialists and medical centres.


I am looking for insurance with extensive cover, and without limits or copayments."

  • Diagnostic tests, consultations and surgical procedures without delays.
  • The option of choosing your practitioner or medical centre anywhere in the world.
  • Access to the best and most innovative health centres in the world.

I need insurance that adapts to my lifestyle and covers me at all times."

  • Your healthcare covered 100% worldwide, without limits or copayments.
  • Complete freedom to choose your physician, specialist or medical centre.
  • Processing of authorisations, contracts, reimbursement procedures through the website or the APP.

I want insurance that gives me access to the best doctors and medical centres in the world."

  • Private room without limit of days or costs in the event of hospitalisation, with a bed for a companion.
  • Medical assistance for traffic and occupational accidents.
  • Full reimbursement of bills within 7 days.
Receive medical assistance anywhere in the world without worrying about the medical bills
Cover and services

What cover and services does the DKV Top Health® insurance provide?

DKV Top Health®, a unique health insurance on the market that gives you access to the best private medicine worldwide, with everything you need to look after your health. Reimbursement insurance, so that if you choose a non-associated doctor or centre, DKV will reimburse 100% of the bill at the fastest rate on the market, in under 7 days.

Included cover

Access to all doctors and health centres around the world

Both in Spain and abroad, you can visit any health centre regardless of whether it is included in the DKV medical directory.

100% reimbursement of expenses

Unlimited expenses, except 80% for dentistry.

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!

Always covered, for any unexpected event

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

Pharmacy coverage

We will reimburse 100% of the cost of medicines prescribed by your doctor.

Prostheses included


Reimbursement for vaccinations

Rotavirus, chicken pox, HPV, meningitis B-Bexsero... we will reimburse 100% of vaccine fees.

Psychology and psychotherapy

Up to 30 sessions/year and without limits on psychotherapy sessions.

Podiatry, physiotherapy and rehabilitation

Chiropody, physiotherapy and rehabilitation with no limit of sessions.

Reimbursement of auxiliary means

Reimbursement of special support equipment, such as wheelchairs, CPAP, etc.

Respiratory rehabilitation

Respiratory rehabilitation in chronic obstructive pulmonary diseases and COVID-19 or coronavirus sequalae. 

Physiotherapy and analyses at home

In level 3 dependency, covered by own services.

Services included

Reimbursement of bills within 7 days

Reimbursement of bills as fast as possible, and within 7 days.

Second medical opinion

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


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, endocrinology, allergology, digestive system, cardiology, psychiatry, rheumatology, pain treatment, pulmonology, neurology, angiology, general surgery and otolaryngology, and with longer opening hours!
  • Electronic prescription so you can go straight to the pharmacy without visiting the practitioner.
  • Have all your medical reports, diagnostic tests and analyses on hand in your digital health folder.
  • Analytical and imaging test requests, as well as medical reports and results, in your health folder.
  • Ask the digital midwife any questions about pregnancy, the postpartum period and breastfeeding.
  • 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. 

Medical phone lines

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

Assisted reproduction services included

The latest technology at your fingertips

Access to the most advanced diagnostic techniques and procedures, such as the Da Vincci robotic surgery, 3D colonoscopy and 3D/4D ultrasound.


Nutritionist, 20 sessions per year, for the treatment and management of obesity.

Spa treatment

You are covered for 20 days of spa and thermal bath treatment to aid in your recovery after hospitalisation

Biomechanical gait analysis

Biomechanical gait analysis every five years for adults and every two years for children under 15 years old at Podoactiva centres.

Reimbursement of optics and orthopaedic expenses

100% reimbursement of optics and orthopaedic expenses (glasses, contact lenses, crutches, etc.)

Preventive programmes

Several preventive programmes included: child health, healthy pregnancy and childbirth, coronary risk prevention, women's cancer, prostate and colorectal cancer, stroke, diabetes, etc. We are including cervical cancer prevention programme for women between 25 and 65 years of age and High-risk Human Papilloma Virus (HVP) as a new feature.

At DKV we are reinforcing our commitment towards you. Less promises, More ways of taking care of yourself!

Do you know what is new in your insurance for 2021? Among others, you have more telemedicine services and many new features in hospitalisation and surgery. We'll tell you all about it here! We are health activists.

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 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.
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 reimbursement of invoices, the DKV Reembolso app simplifies the process so you can receive the refund in less than 7 days.

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.

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 or video call with specialists and a 24h chat, where you can also immediately check your symptoms and receive a diagnosis.In addition to offering self-care plans, online medical appointments, a health folder to receive and store your medical reports, electronic prescriptions without going to a consultation, coach to help you improve your habits, and digital midwife service to monitor your baby's postpartum and care.

Shall we call you?
The health of your loved ones won't cost you a lot
Your most comprehensive health insurance

Enter and calculate a free, no-obligation quote for your medical directory health insurance.


Terms and conditions, coverage and documentation

Grace periods

You can enjoy the DKV Top Health services from 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 deliveries: 8 months
  • Transplants: 12 months


There are three available modalities:

  • Without excess
  • With a 600EUR excess
  • With a 1,200EUR excess

The excess is the amount you agree to pay, after which DKV Seguros will cover the remaining amount.


Download the documentation

Information about the DKV Top Health insurance

  • DKV Top Health 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.
  • Promotion terms and conditions: Promotion applicable to new insured persons who take out policies until 31/12. They will have a discount in 2020 and further discounts in the coming years,
  • Promotion terms and conditions: Special promotion for taking out new DKV Top Health policies for 2021.

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.

And you can also attend any non-affiliated medical centre in Spain or anywhere in the world with a 100% refund of expenses and no fee limit.

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.

With DKV Top Health, we reimburse you 100% of expenses worldwide, and we take care of your health with no limits.

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.