Health insurance in Spain – official DKV agent
Hello! I am Olesya Brych - your trusted agent in the world of insurance. I will help you find the best solution for health insurance in Spain, for residency, Digital Nomad, student visas and others.
Having lived in Spain for some time, I understand perfectly well how important it is to have reliable insurance that will provide you with confidence and protection in any situation.
My goal is to help you make your life more comfortable and peaceful by choosing individual insurance plans to suit your needs and budget.
I will find for you the insurance policy that best suits your needs and budget.
Clients working with me have access to a unique database of useful articles, tips, and instructions.
I am always in touch and ready to provide advice at any stage of insurance or problem solving.
I explain complex conditions (carencia, copago, reembolso) in your native language.
I will issue a policy that is accepted at the Extranjería (immigration service) in Spain on 100%. In just 1 day.
I select policies that really work, providing maximum coverage at a reasonable price.
Frequently asked questions and answers:
How can life insurance help me and my family?
Life insurance provides financial protection for your family in the event of death or difficult life circumstances. Basic coverages include:
- Death for any reason - the family receives a predetermined amount of capital.
- Advances for expenses: burial (up to €4,000), inheritance taxes and treatment of terminal illnesses (up to 50% of capital).
- Services for the family: psychological assistance, legal advice, online will.
- Additional options: payments for loss of work capacity, death or injuries in a traffic accident, as well as serious illnesses.
This solution adapts to your needs and guarantees support during the most important moments of life.
What are the benefits of private health insurance?
If you are hesitating whether to take out private health insurance, I will briefly talk about the main benefits you will receive:
- Immediate medical care and no long lines.
You will be able to avoid long waits thanks to quick access to services. - A wide selection of medical centers and specialists.
You will have the freedom to choose the specialist you need, or who is most suitable, from a large team of qualified doctors. - Possibility of choosing a hospital.
You decide which medical center to receive treatment at. - Rapid diagnostic tests.
Reducing waiting times for diagnostics and medical care. - International coverage.
Medical insurance covers the costs of treatment, surgery, medications, hospitalization and emergency care abroad (limit up to 30,000 euros). - Additional benefits.
For example, dental insurance, which is included in most packages at no additional cost.
What does home insurance cover?
DKV Hogar protects your home both inside and outside from the following risks:
- Fire, explosions, lightning strikes and natural disasters.
- Water damage - due to broken pipes, leaks, etc.
- Theft and damage to property — furniture, belongings, doors, locks, floors, etc.
- Civil liability - covers damage caused to third parties.
There is also a wide range of additional services:
Handyman services, appliance repair, 24/7 assistance, IT assistance, protection of vehicles in the garage from fire, explosions or lightning strikes, and more.
DKV Hogar is reliable protection for your home and peace of mind for the whole family!
What discounts can I get when taking out health insurance?
- Discounts depending on the current promotion.
- Discounts depending on the payment method: 2.8% (quarterly payment), 4.6% (semi-annual payment) and 7% (annual payment).
- Discounts depending on the number of insured persons: 7% (four insured persons), 12% (more than four)
Please note: These discounts may be cumulative.
Is it possible to transfer to DKV from another company without losing seniority?
Yes, and I will help transfer your seniority (carencia) so you can use the services from day one.
Does insurance cover pregnancy management?
Yes, DKV has one of the best coverages for expectant mothers.
Private health insurance in Spain: your guide and support:
Choosing health insurance in Spain is not just a formality, but a guarantee of your peace of mind in a new country. If you are looking for where to get insurance for a residence permit, student visa or Digital Nomad Visa, it is important to choose a policy that meets the requirements of the Spanish Extranjería.
DKV Seguros offers the best solutions for expats: from basic dental insurance to full health insurance packages without co-payments (sin copagos). Having a private policy allows you to avoid queues at public clinics and gain access to the leading hospitals in Spain, such as Quirónsalud, IMED, Vithas, and many others.
What types of insurance are required in Spain?
Depending on your situation, the policy can address different issues. DKV health insurance for residence permits is a mandatory requirement of Extranjería: the policy must cover the full range of medical care without co-payments throughout Spain. The D student visa also requires full coverage - no deductible options.
If you already live in Spain and have access to public healthcare (SNS), but are tired of waiting 3–6 months to see a specialist, DKV private health insurance allows you to make an appointment with a doctor directly at a private clinic in a few days. Dental insurance costs separately from €7.90 per month and covers preventive examinations, caries treatment and x-rays.
Property owners in Spain often underestimate the risk of housing problems and flooding from neighbors - home insurance (hogar) covers both for as little as €12 per month. Death insurance (decesos) provides full coverage for funeral and repatriation costs - this is especially important for those who have moved far from family.
DKV Seguros: why this company?
DKV is one of the few insurance companies in Spain that accepts clients without age restrictions and offers coverage for the entire family under a single policy. The DKV network covers over 51,000 medical professionals throughout Spain, including Ukrainian and Russian-speaking doctors in major cities.
To obtain a residence permit or extend a residence permit, Extranjería accepts DKV policies without additional certificates or translations - the documents already meet all the requirements.
And you can apply for such insurance in 1 day.
Why should you contact an insurance agent?
I, Olesya Brych, as an official DKV insurance agent, help Ukrainians and foreigners understand the intricacies of Spanish legislation. Together we will choose the optimal insurance period (carencia), set up a reimbursement system (reembolso) and ensure protection not only for your health, but also for your home insurance (hogar). And many other insurance options.
I provide free consultations in Ukrainian, help you change insurance companies without losing your experience, and provide support at every stage - from signing a contract to resolving problems.
Over the years of working as a DKV insurance agent, I have issued policies for over 300 Ukrainian and foreign families in Spain. Most clients come back to me repeatedly — to insure their children, parents who have arrived, or to apply for a new residence permit.
What does the registration process look like?
I have simplified the process to three steps. First, you leave a request via the form or write to WhatsApp or Telegram — I will respond within 2 hours. Next, we determine your needs: type of insurance, number of people, city, desired budget. After that, I send a ready-made version of the policy with an explanation of the conditions — and you sign online. The policy is activated the next day. No offices, queues, or paperwork. The entire process is online, convenient and fast even if you are still outside of Spain.
How much does health insurance cost in Spain?
The price depends on the tariff and age. The basic DKV Selección plan for an adult under 35 starts at €17 per month. DKV Integral – the most popular choice for residence permits and everyday use – costs from €40 per month and has no co-payments when visiting doctors. For a family of two adults and a child, the total amount is usually €90–130 per month, depending on the city and the tariff chosen.
The cost of dental insurance is from €7.90 per month separately or included in a comprehensive package for free (depending on the tariff).
Protect yourself and your family with Seguro Expert
Getting insurance in Spain has never been easier. Write to me now and tomorrow you will have a ready-made policy that meets all the requirements of Extranjería and covers everything you need for a peaceful life in Spain.