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Without copays from €30/month - Our flexible plans support expats, students & families living in Spain

Health Plans

Now

30%off

7% Discount
on
Annual payments

Visa
approved

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Discount period

Reimbursement Insurance

GLOBAL COVER

No Co Payments

Complete Insurance

Private Health Insurance Spain

Spanish Health Insurance

Co-Pay Insurance

Spanish Health Insurance for over 75 years old

Over 75yrs Insurance

Global health Insurance Spain

Global Insurance

DKV Full Cover Health Insurance

Full Cover Insurance 

Visa Approved

The Best Health Insurance in Spain for foreigners

36 % DISCOUNT

DKV Health Insurance in Spain
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DKV Copayment
DKV Copayment
Option 1
Option 2
DKV Full Cover Insurance
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Option 3

36 % DISCOUNT

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Brochure

DKV Over 75 years Health Insurance

No Age Limit Insurance

DKV Health Insurance Spain

Full Control of your expenses

DKV Hospital hospital directory

Hospital and Clinic Directory

Our medical directory is the mos extensive directory in the Spanish Market ! Please see the link for more information  - Directory

Non Lucrative Visa Health Insurance 

Only available to Non EU nationals. This is a custom policy specially designed for UK citizens and other nationals outside of the EU who are applying for the Non Lucrative Visa in their home countries. This policy meets the current immigration requirements.

No Co-payments
No Exclusions
100% FULL Coverage
Special Annual premium
 

DKV Insurance for Visas

PEACE OF MIND. The best worldwide travel assistance on the market in the case of an emergency, up to 180 days and a maximum limit of €20,000.

 

SMILE. Unlike other health insurances, yours will include a dental service with more than 50 free acts and others at very special prices.

 

ACCESSIBILITY. 24-Hour DKV Physician and the widest range of specialised medical lines on the market: 24-hour paediatrics, childhood obesity, nutrition, pregnancy, conditions affecting women, tropical medicine, sports medicine and psychoemotional.

 

RELIABILITY. You will have a second medical opinion in cases of serious illness.

Health Insurance for Pregnant women in Spain

Insurance for pregnant woman


If you are thinking of becoming a mother, you will be able to monitor your pregnancy and childbirth and take advantage of all the services of our insurance for this new stage.

Access to the best medicines and rehabilitation centres !

Our Health Spaces with the latest technology and service, personalised attention and extensive visiting hours

Student Health Insurance Spain
Affordable Spanish Copay Health Insurance

             Student Insurance

Enjoy your moment and let our insurance take care of the rest: without waiting lists, with the doctor in your pocket, medical assistance abroad and dental service. More information

          Copays and modalities

The copayment is the amount that you must pay when making use of certain services according to the chosen insurance modality. This amount will be added to the fixed fee you pay monthly depending on the health insurance you choose.

 

Remember that there are insurances in which the copay is €0.

 

Medical insurance with co-payment is interesting because it has a cheaper fee, in which you only pay a small cost when you do a service such as a medical test, which is much lower than without health insurance.

DKV insurance grace periods

              Grace Periods
 

It is the period in which coverage cannot yet be enjoyed. 

 

The benefits of our health insurance can be enjoyed from the first day.


In the case of medical insurance, only the following services have grace periods:

 

  • Hospitalization and surgical intervention (including prosthetics): 6 months

  • Births, except premature births: 8 months

  • Transplants: 12 months

  • Gait biomechanical study: 6 months

DKV Spanish Visa and residency Insurance

What Health insurance suits you?


With Us you have the option of being able to choose between the best offer of medical specialists and hospital centres, in addition to our Health Spaces where you can undergo treatments with the latest technology.

 

And so that you can access medical consultations wherever you are, solve your health doubts through a virtual consultation with specialists from your mobile.

DKV Insurance for families

Insurance for families

Because taking care of your health and that of your family is our highest priority so that you only have to worry about spending more time with your family and enjoying yourself.

DKV Offices Spain

Offices in Spain

Head office : Zaragoza

Branches Offices, Madrid, Malaga, Marbella, Tenerife, Menorca, Palma de Mallorca, Alicante

Visa and Residency Insurance :

 

We offer inexpensive health insurance products tailored to your requirements.

Medical insurance policies are complicated and it is important that your policy provides exactly the cover you need. We consider that it is of the utmost importance to spend time discussing what you require.

 

If you wish to become resident without a work permit or want residency and are not from the EEC you will be required to produce evidence of health insurance.

Most Spanish health insurance policies include full European roadside assistance.

Both national and international plans are available for individuals, groups and companies. For more information do not hesitate to contact us.

The Best Health Insurance in Spain for foreigners
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No age limit

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  • What is the duration and renewal of DKV health insurance policies ?
    The duration of the contract is stipulated in the policy. It is annual and can be renewed by calendar years. The contract is renewed automatically every year without requiring confirmation.
  • No Age Limit Insurance
    Yes, our DKV Selection policy has no age limits. For more information, please have a look at our brochure here. https://www.dkvinsurance.com/dkv-english-brochures
  • Whats is the Spanish Digital Nomad Visa ?
    A digital nomad visa is a type of visa or permit specifically designed for individuals who work remotely and have the flexibility to travel and work from different locations. These visas allow digital nomads to reside in a foreign country legally while working online. Requirements for a digital nomad visa may vary depending on the country offering the visa. Here are some common requirements that may be associated with digital nomad visas: Eligibility: Typically, digital nomad visas are open to individuals who work remotely or have online-based employment. Some countries may require applicants to prove a certain level of income or have specific qualifications. Health Insurance: Proof of adequate health insurance coverage is often a requirement for digital nomad visas. This ensures that individuals have access to healthcare services during their stay. Sufficient Funds: Applicants may need to demonstrate that they have sufficient financial resources to support themselves during their stay. This can be in the form of bank statements, savings, or other financial documents. Travel Documents: A valid passport with a sufficient validity period is usually required for a digital nomad visa application. Background Checks: Some countries may require applicants to undergo background checks, such as providing a criminal record certificate or other relevant documentation. It's important to note that digital nomad visa programs can vary greatly from one country to another in terms of eligibility, requirements, application procedures, and visa duration. It is crucial to check the specific requirements and guidelines provided by the country you are interested in to obtain the most accurate and up-to-date information. More information can be found here.
  • What is the Non Lucrative Visa ?
    The Spanish Non-Lucrative Visa opens the door to an extended stay in one of Europe's most captivating countries. By following the outlined process and meeting the necessary requirements, individuals can enjoy the Spanish lifestyle, immerse themselves in the local culture, and create lasting memories in this remarkable country. So, whether you are a retiree seeking a peaceful haven or a freelancer looking for inspiration, the Spanish NLV is the best option for you ! See our comprehensive guide here.
  • What DKV discounts can i expect to receive from my Medical Directory insurance.
    A customer who takes out a DKV health insurance will permanently benefit from a lower price in one of these cases: Discounts according to the payment method: 2.8% (quarterly payment), 4.6% (half-yearly payment) and 7% (yearly payment) Discounts according to the number of insured persons: 7% (four insured persons), 12% (more than four insured persons) Discounts applicable based on the current promotion. In the case of DKV Integral, insured persons who take out the health insurance before 31 Dec 2023 will obtain a 36% discount . 34% discount after June 2023, a 24% discount in 2024 and a 12% discount in 2025. These discounts can be accumulated.
  • How do I request the cancellation of my DKV insurance policy?
    Any policyholder who wishes to request the cancellation of the policy must do so in writing at least one month before the policy's maturity. Health insurance policies expire at the end of the calendar year, i.e. 31 December; other policies expire one year from the date the contract enters into force. The following must be included in the cancellation request: • Tax ID (NIF/NIE) of the policyholder (a scan is fine if sending by email). • Policy or card number. • Signature of the policyholder. You may send your application: • By post or fax to your local branch. • By email at atencion.cliente@dkvseguros.es. In this case, please attach the scanned Tax ID number/ Foreign resident ID and the document signed by the policyholder. In addition, if you change your mind after having signed a policy, you have the so-called "right of withdrawal". Once you sign a contract, you have fourteen calendar days to cancel it, and you must notify the company in writing or by telephone. In any case, make sure beforehand that the company in question accepts that option.
  • Spanish Residency Insurance
    Yes, we have a suitable policy that meets the current immigration requirements - It's our most sold policy for Visa and Residency applications . The policy is annual and provides full cover without copayments. Please see the brief summary below: Integral Elite – Spain Only In brief – This policy provides full cover with no copayments or exclusions (don’t pay extra for anything) . It also includes Dental Cover and International Travel Assistance. Please see page 9 of the brochure for a breakdown of the different policies and their respective coverages. With this policy there are no waiting periods for emergency treatments. You will be covered from day 1. Waiting periods only apply in the first year for non-emergency treatments i.e. hip or knee replacement surgery (6 months). The integral Elite policy will provide you with access to any private hospital/clinic in Spain (inside the DKV directory) Have a look at our English brochures.https://www.dkvinsurance.com/dkv-english-brochures
  • Copayment Insurance
    Yes, we have high to low Copayment policies available. - Not suitable for Visa or Residency applications. DKV copayment insurance, also known as copay insurance, is a type of health insurance that requires policyholders to pay a portion of the cost of their healthcare services out of pocket. This is in contrast to traditional health insurance plans that may cover all or a larger portion of medical expenses. Have a look at our English brochure for more information. https://www.dkvinsurance.com/dkv-english-brochures
  • DKV Waiting Periods
    With DKV Integral, all provisions can be used from day one; only some specific services have waiting periods. Hospitalisation and surgery (including surgical prostheses): 6 months Biomechanical gait analysis: 6 months Childbirth (except for premature births): 8 months Transplants: 12 months
  • Spanish Visa Insurance
    Yes, we have a suitable policy that meets the current immigration requirements - It's our most sold policy for Visa and Residency applications . The policy is annual and provides full cover without copayments. Please see the brief summary below: Integral Elite – Spain Only In brief – This policy provides full cover with no copayments or exclusions (don’t pay extra for anything) . It also includes Dental Cover and International Travel Assistance. Please see page 9 of the brochure for a breakdown of the different policies and their respective coverages. With this policy there are no waiting periods for emergency treatments. You will be covered from day 1. Waiting periods only apply in the first year for non-emergency treatments i.e. hip or knee replacement surgery (6 months). The integral Elite policy will provide you with access to any private hospital/clinic in Spain (inside the DKV directory) Have a look at our English brochures. https://www.dkvinsurance.com/dkv-english-brochures
  • How long does it take for DKV to reimburse my expenses ?
    Commitment to reimburse expenses in less than 7 days
  • Digital Nomad Insurance ?
    Yes, our Integral Elite policy provides full cover without Co-payments. This policy is suitable for the DNV. Have a look at our English brochures. https://www.dkvinsurance.com/dkv-english-brochures
  • Global Cover Insurance
    Yes, our DKV Reimbursement policies provides Global Cover. Mundisalud – Global cover - Suitable for Visa & Residency applications In brief – This policy provides full cover with no copayments or exclusions. It also includes Dental Cover and International Travel Assistance. Please see page 10 of the brochure for a breakdown of the different policies and their respective coverages. As with the Integral Elite policy, you will be 100% covered when in Spain. When you use the policy abroad for either non-emergency or emergency care then you will be reimbursed 90% of your invoices within 7 days. You can also use this policy in Spain (at any Non DKV private hospital/ clinic and get reimbursed 80% of your costs) - This is a very popular product amongst our clients who travel often. Waiting periods With DKV, almost all benefits can be used from day one, and there are only waiting times for some specific services. Planned treatments : 6 months Biomechanical gait study: 6 months Deliveries (except preterm deliveries): 8 months Transplants: 12 months Have a look at our English brochures. https://www.dkvinsurance.com/dkv-english-brochures
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