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.
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.
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.
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.
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.
We will reimburse 100% of the cost of medicines prescribed by your doctor.
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 in chronic obstructive pulmonary diseases and COVID-19 or coronavirus sequalae.
Physiotherapy and analyses at home
In level 3 dependency, covered by own services.
Reimbursement of bills 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.
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.)
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.
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
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.
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
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]
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.
Enter and calculate a free, no-obligation quote for your medical directory health insurance.
Terms and conditions, coverage and documentation
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