DKV Top Health health insurance®

Health insurance with 100% refund of medical expenses, your most comprehensive medical insurance

DKV Top Health®

100% refund of medical and hospital invoices

  • Your most comprehensive health insurance
  • Dental service included

Freedom to choose

Choose the doctor you want.

We're involved

100% refund for medication and vaccinations.

Quick refunds

Committed to providing the reimbursement in less than 7 days.

Alternative therapies

Homeopathy, acupuncture and quiromassage.

Would you like to know more about the Top Health refund insurance?®? My health, 100% covered across the world

The best of private medical insurance, without setting any limits or boundaries against your health. Insurance that gives you access to the best private medicine, with whatever is needed to take care of your health and quality of life, with unlimited access and expenses.

  • Primary care
  • All specialities and diagnoses
  • Surgical procedures and hospitalisation
  • With no copayment for medical action
  • 100% refund of medical fees in Spain and abroad
  • 100% refund of vaccination costs (pneumococcus, rotavirus, and varicella)
  • 100% Reimbursement of pharmacy costs
  • Network of clinics in the USA
  • Unlimited transplants of all types
  • Prostheses, orthotics and implantology
  • Alternative therapies: Homeopathy, acupuncture, and massage
  • Spa after a stay in hospital
  • Dental service included
  • Assisted reproduction techniques
  • 24h medical helplines
  • Lo último en medios de diagnóstico:
    • Ecografía 3D/4D embarazo.
    • Mamografía 3D para detectar tumores en estadios iniciales.
    • Enterografía por resonancia magnética y tomografía computerizada para el estudio de la enfermedad de Crohn (enfermedad inflamatoria intestinal).
    • Diagnosis of coeliac disease: genetic study for people with symptoms of the illness and that fulfil certain requirements.
    • Hormona antimulleriana en estudios de esterilidad.
  • Nuevas prestaciones terapéuticas:
    • Duplicamos de 10 a 20 las sesiones/año de logopedia para la reeducación de los tratamientos del habla o el lenguaje en el niño.
    • Ampliación a 10 sesiones la rehabilitación del suelo pélvico después del parto.
    • Te ofrecemos el doble de sesiones de psicoterapia (de 20 a 40) en caso de ciberacoso y estrés laboral.
  • Hospitalización y cirugía:
    • Ampliación de prótesis: osicular auditiva, drenajes transtimpáticos y stents digestivos biliares.  
    • Cirugía robótica Da Vinci para cáncer de próstata localizado y órganos-confinado.
    • We offer the double number of psychotherapy sessions (from 20 to 40) for cases of cyberbullying and work-related stress.
    • Cirugía plástica postbariátrica reconstructiva.
  • Otras novedades en coberturas y servicios:
    • Ampliación de la línea psicoemocional de 3 a 6 llamadas/año.  
    • Gestión de enfermos crónicos y enfermedades graves.
    • Programa de salud dental para embarazadas.
    • Nuevos servicios DKV Club de Salud y Bienestar
  • Lo último en Salud Digital:  
    • Con " Quiero Cuidarme Más" disponible a partir del 15 de Noviembre en formato app y web, puedes acceder de manera gratuita y para siempre a todos los servicios de salud digital que DKV ofrece.
  • You can take out a policy up to the age of 75
  • You will get a 7% discount for annual payment
  • Discounts for families:
    • 7% if there are four insured parties.
    • 12% if there are five or more insured parties.
  • Commitment of non-cancellation of the policy starting from the third year

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 Top Health insurance, all provisions can be used from day one, except for the following services which have grace periods:
    • Hospitalisation and surgical procedures (including prostheses): 6 months
    • Childbirth (except for premature deliveries): 8 months
    • Transplants: 12 months

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Miniature

Why DKV

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.

More information

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 the health of society

We contribute to its improvement responsibly.

DKV Integralia Foundation

Para la integración laboral de personas con diversidad funcional.