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.

Our coverage sets us apart

The most comprehensive care for you and your family.

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
  • Spa after a stay in hospital
  • Dental service included
  • Assisted reproduction techniques
  • 24h medical helplines
  • The latest diagnostic methods:
    • 3D/4D pregnancy ultrasound.
    • 3D mammogram to detect tumours at early stages.
    • Magnetic resonance enterography and computed tomography to study Crohn's disease (and intestinal inflammation illness).
    • Colonoscopia virtual 3D en centros concertados
    • Diagnosis of coeliac disease: genetic study for people with symptoms of the illness and that fulfil certain requirements.
    • Anti-Mullerian Hormone in fertility studies.
    • Extracción preventiva para evitar el desarrollo de cáncer de mama o ginecológico.
    • Endopredict - Plataforma genómica para el cáncer de mama, que estima e riesgo de recurrencia y si el tratamiento propuesto será o no efectivo.
    • Estudio biomecánico de la marcha en centros Podoactiva con la prescripción de un traumatólogo concertado por DKV.
  • New therapeutic provisions:
    • We are doubling speech therapy sessions from 10 to 20 per year for re-education in speech disorders and language among children.
    • Reembolso de ortóptica infantil para tratamiento de problemas de vista como ojo vago o estrabismo.
    • Pelvic floor rehabilitation increased to 10 sessions post-partum.
    • We are offering double the number of sessions for psychotherapy (from 20 to 40) in cases of cyber bulling and occupational stress.
  • Hospitalisation and surgery:
    • Extension of prostheses: ossicles, transtympanic drainage and digestive stents.  
    • Da Vinci robotic surgery for localised and organ-confined prostate cancer.
    • We are offering double the number of sessions for psychotherapy (from 20 to 40) in cases of cyber bullying and occupational stress.
    • Post-bariatric reconstructive plastic surgery.
  • Other new features in coverage and services:
    • Extension of the psycho-emotional line from 3 to 6 calls/year.  
    • Management of chronically ill patients and serious illnesses.
    • Dental health programme for pregnant women.
    • DKV Health and Wellbeing Club New Services
    • Nutricionista. Hasta 20 sesiones al año para el tratamiento y control de la obesidad.
  • The latest in Digital Health:  
    • With 'Quiero Cuidarme Más', available from 15 November as an app and online, you can access all the digital health services offered by DKV for free, forever.
  • 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 surgery (including prostheses): 6 months
    • Childbirth (except for premature births): 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 occupational integration of people with functional diversity.