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.

Want to know more about 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
  • No contribution for medical acts
  • 100% refund of medical expenses in Spain and abroad
  • 100% Reimbursement of vaccination fees (pneumococcus, rotavirus and chickenpox)
  • 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
  • Extended speech therapy coverage
  • New types of radiotherapy for cancer treatment
  • Increase in the limit of daily compensation for hospitalisation up to a maximum of 2,400 euros per insured person and year.
  • Intraoperative neurophysiological monitoring (IONM)
  • Cutting-edge therapeutic technology
  • You can take out a policy up to the age of 75
  • If you pay annually you'll received a 7.5% discount
  • Discounts for families:
    • 7% if there are four insured parties.
    • 12% if there are five or more insured parties.
  • Non-cancellation of policy pledge from the third year
  • All coverage can be used from the first day, except:
    • Hospitalisation and surgical procedures (including prostheses): 6 months
    • Childbirth (except for premature deliveries): 8 months
    • Transplants: 12 months

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You'll be given all the information you need, with no obligation on your behalf

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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.

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

For the professional integration of people with functional diversity