DKV Integral

DKV Integral is one of the most popular insurance policies with full medical coverage. It covers everything from consultations with a family doctor and specialists to diagnostics, surgeries and hospitalizations. The policy also includes dental services and emergency medical care outside Spain.

Health insurance from 18€/month. (Cost depends on package, age and region of residence in Spain)

Age restrictions: up to 75 years old

Family savings:
Get a discount of 7% if 4 people are insured, or 12% if 5 or more.

Additional discount depending on payment method
– 7% discount when paying annually
– 4.6% with semi-annual payment
– 2.8% with quarterly payment

DKV Integral Complete

with higher surcharges

from 18€/month

DKV Integral Plus

with average surcharges

from 25€/month

DKV Integral Classic

with minimal surcharges

from 31€/month

DKV Integral Elite

without surcharges (sin copagos)

from 40€/month

Coverage and services

Primary medical care and emergency care 24/7. You can contact a general practitioner, pediatrician or nurse at any time of the day or night.
All medical specialties. Consultations with specialist doctors such as cardiologists, dermatologists, gynecologists, neurologists, surgeons, and many other specialists for diagnosis and treatment are covered.
Surgery and hospitalization. Includes hospitalization, scheduled and emergency surgeries with the provision of all necessary services, such as intensive care and postoperative rehabilitation.
Diagnostic tools. All types of examinations are covered, including X-rays, MRIs, CT scans, ultrasounds, and other tests necessary to make an accurate diagnosis.
Therapeutic methods.
Access to modern treatment methods is provided, including physiotherapy, radiotherapy, chemotherapy and other therapies, depending on the patient's condition.
Dentistry.
The policy includes over 50 free basic dental services — such as professional teeth cleaning, intraoral X-rays, occlusal scan, etc. Other services are provided at special prices, i.e. with discounts.
Medical assistance in case of industrial injuries and traffic accidents.
Treatment and rehabilitation is provided in case of injuries sustained at work or in traffic accidents.
Psychology.
Sessions with a psychologist are covered, including for the treatment of depression, anxiety, work stress, or family conflict. In certain cases, extended coverage is provided for youth.
Global medical assistance while traveling in case of emergencies.
Medical care is covered in the event of emergencies during trips lasting up to 180 days, with a maximum coverage of up to 30,000 euros.
Reimbursement of medical expenses abroad in case of serious illnesses.
If a serious illness occurs while you are abroad, treatment costs are covered within the limit.
Health and preventive medicine programs.
Includes preventive checkups and early disease detection programs to keep your health in top shape.
Daily payments in case of hospitalization.
From the third day of hospitalization, you will receive 80 euros per day if the hospitalization costs are not covered by DKV.
Biomechanical study of gait or foot.
It is performed to analyze movements and prevent possible injuries or discomfort in everyday life.
Medical care in case of HIV/AIDS infection and related diseases.
Covers the diagnosis and treatment of diseases caused by HIV infection.
Prostheses.
Prostheses and cardiac or vascular implants: limit of €12,000 per insured person per year.
Video consultations and chat with a doctor.
You can contact a doctor via phone call, video call, or chat.
Telephone medical advice lines.
24/7 consultations on general medicine, pregnancy, women's health, nutrition, or psycho-emotional state.
Your pediatrician or gynecologist. (Optional cover.)
Ability to add the service of your favorite pediatrician or gynecologist even if they do not cooperate with DKV.
Additional medical services.
Through DKV Club Salud y Bienestar you gain access to a catalog of health and well-being services at discounted prices.

What are the coverage limitations?

Psychiatric hospitalization: maximum 60 days per insured person per year.
Prostheses and cardiac or vascular implants: limit of €12,000 per insured person per year.
Daily compensation for hospitalization: 80 euros/day (starting from the third day) with a maximum limit of 2,400 euros per insured person per year, if the hospitalization did not cause any costs for DKV.
Medical assistance in case of HIV/AIDS: maximum 6,000 euros during the term of the contract.
Reimbursement of medical expenses abroad for serious illnesses: 80% expenses up to a limit of 16,000 euros per insured person per year.
Waiting period: to benefit from certain services, 6, 8 or 12 months must have passed from the date the contract came into effect for each insured.

What is not covered?

Medical assistance for illnesses, injuries or health conditions that existed at the time of concluding the insurance contract.
Consequences caused by violent acts, epidemics, disasters, nuclear or radioactive reactions.
Illnesses or injuries caused by professional sports or activities in high-risk conditions.
Aesthetic surgery and any other treatment that has an exclusively aesthetic or cosmetic purpose.
Diagnostic and therapeutic methods that are not approved by the Spanish Network of Health Technology Assessment Agencies (RedETS).
Medical care provided in public or private centers not included in the DKV list of medical facilities, as well as services prescribed by the staff of these centers.

Waiting periods

With medical insurance DKV Integral you can use all medical coverage and services with first day, except following cases:

Outpatient surgeries – 6 months
High-tech diagnostic methods: CT, MRI, etc. – 6 months
Biomechanical gait study – 6 months
Surgical interventions, hospitalization and prostheses – 8 months
Childbirth (except premature birth or cesarean section) – 8 months
Proton therapy for pediatric tumors – 8 months
Transplants – 12 months
Medical care for HIV/AIDS – 12 months

These grace periods must be kept in mind, as services become available only after they are completed.

DKV Integral

Great medical team

Dentistry included

Psychology

Medical video consultations