Today we will talk about the additional benefits you receive by taking out a health, housing, life, etc. policy with the DKV insurance company.
As stated in the terms and conditions of most policies, aesthetic medicine, optics (although there are policies that include them), as well as chronic diseases or illnesses that existed before the policy took effect, are not covered. This is a standard policy for all private insurance companies in Spain.
We remind you:
A fully comprehensive medical policy includes many important services:
🔸 consultations with specialists
🔸 analyzes and examinations
🔸 surgical interventions
🔸 hospitalization
🔸 dentistry
🔸 assistance outside Spain in case of emergencies
🔎 But what if you need, for example, an MRI scan, and your insurance doesn't cover it?
(For example, if you do not have a medical policy or the injury occurred before you took out one.)
There are several options:
🔹 Apply to state healthcare if you have the opportunity. But you will have to wait 4–9 months (and it is not yet certain that you will get it).
🔹 Or go to a private clinic - the price depends on the type of examination and body part: from €200 to €1,200.
➡️ But! If you have a DKV policy, you have access to Club Salud y Bienestar - a special platform through which you can get an MRI scan from €110.
👧 Example with a speech therapist for a child:
A standard policy provides for a speech therapist if speech disorders are due to a medical diagnosis (stroke, neurological disease, tumor, etc.).
But if a speech therapist is needed simply to improve speech, parents pay for it themselves:
🔹 €30–50 per session
🔹 €250–400 for a package of 10 sessions
➡️ Through Club Bienestar, the price for 10 sessions starts from €179, or from €22 for one session.
👓 And through Club Bienestar you can get:
• 20% discounts on glasses in partner stores
• +5% extra — even on models that are already discounted
