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100% Global Reimbursement Health Insurance - Spain

Updated: Sep 30, 2022




The best worldwide assistance without having to worry about the cost of the medical bill


Coverage and services


DKV Top Health®, a unique health insurance in the market with which you have access to the best private medicine in the world, with everything you need to take care of your health.

Reimbursement insurance, so that in the case of choosing a non-contracted doctor or center, DKV reimburses you 100% of the bill as quickly as possible, in less than 7 days. Health insurance without borders.


Coverages included

Direct access to all specialists and centers in the world

Both in Spain and in the rest of the world, you can go to any center, whether or not it is part of the DKV medical network.

100% reimbursement of medical expenses

No spending limit, except 80% in dentistry.


Primary care and specialists


Direct access to all specialties: general medicine, nursing, paediatrics, emergencies, ambulances, all medical specialties (cardiology, dermatology, traumatology, gynaecology...) as well as diagnostic and therapeutic means: ultrasound, MRI, CT, radiotherapy , lithotripsy, etc.


Surgery and hospitalization


Oncological and renal treatments, among others, surgeries, hospitalizations (ICU and pregnancy-related included), prostheses and much more! In addition, for your comfort, you will have a single room with one more bed for your companion.


Accident coverage


Always covered, in case of any unforeseen event. If you suffer any type of work or traffic accident, do not worry, we will also assist you.


Dental coverage


Unlike other health insurance in the sector, yours will have a dental service included. More than 50 free services and the rest with great discounts.


Domiciliary services


Laboratory tests and physiotherapy at home, in situations of dependency grade 3. Access only through the DKV Health Services Network.


Reimbursement of pharmacy, optician and auxiliary means expenses


We reimburse you 100% of the cost of the medications prescribed by your doctor, as well as optics and orthopedics (wheelchairs, crutches, etc.)


Vaccine Reimbursement


We reimburse you 100% of the costs of vaccinations.


Podiatry, physiotherapy and rehabilitation


No session limit!


Psychology and psychotherapy


Up to 30 sessions/year and unlimited psychotherapy sessions.

Health services

Quick and easy refund


Reimbursement of 100% of invoices in the shortest possible time, with a maximum of 7 days and through the app with an image of the invoice.


Second medical opinion


For any serious illness, you will be able to contrast a diagnosis and have a second medical opinion.


Telephone medical advice lines


Telephone medical advice from anywhere. If you are worried about a symptom, we offer you 10 telephone lines to answer your questions: 24-hour assistance line, 24-hour pediatric medical line, psycho-emotional, nutritional, women's, sports, pregnancy, childhood and tropical obesity.


Video consultations and chat with a doctor


You can contact a doctor by call, video call or chat. You will be able to have virtual consultations with medical specialists : as well as chat with your health coach to improve your life habits and with a midwife if you are pregnant or have just given birth. Getting a first medical opinion has never been so easy. In addition, from the app you can store your health documents (reports or tests) and you will have all your electronic prescriptions at hand .


Assisted reproductive services included


Fulfill the dream of being a mother thanks to the latest assisted reproduction technology.


Latest technology in medicine


Access to the most advanced means and techniques, such as Da Vinci robot surgery, 3D colonoscopies or 3D/4D ultrasound.


Spas


We cover up to 20 days of spa and hot springs to help your recovery after a hospital admission.


Biomechanical study of gait


Biomechanical study of gait in Podoactiva centers every 5 years in adults and every 2 years in children under 15 years of age.


Nutritionist


Nutritionist up to 20 sessions/year for the treatment and control of obesity.


Always thinking about your comfort: payment for use in complementary health services


Discounts on complementary services such as aesthetics, nutrition, sports services, assistance for the elderly and children. Through the DKV Health and Welfare Club and without making any payment until the service is used.


Grace periods


All benefits can be used from the first day, except:


Hospitalization and surgical intervention (including prosthetics): 6 months


Gait biomechanical study: 6 months


Births (except premature births): 8 months


Transplants : 12 months


Contact your health insurance agent here


Private Health Insurance


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