Insurance with Reembolso – is a type of insurance that allows you to choose any doctor or clinic in any country, even if they are not part of the insurance company’s network. You pay for medical services yourself, and then send documents to the insurance company — and receive partial or full reimbursement of expenses.
Health insurance from 63€/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
Freedom of choice
Choose the doctor and medical center that suits you, anywhere in the world.
Flexible reimbursement
Guaranteed refund in less than 7 days.
Control via app
Submit refund requests directly in the app
Doctor in your mobile
Unlimited video consultations with doctors and 24/7 medical chat — wherever you are.
Who is this type of insurance suitable for?
Insurance with Reembolso is suitable for those who value freedom of choice and want to be able to choose the best medical institutions and specialists regardless of the insurance network. This solution will be optimal for people who want to receive high-quality care and are ready to cover the initial costs themselves with subsequent reimbursement.
DKV Mundisalud Complete
- Wide medical network
- All doctors and medical centers in the world
- Primary medical care and emergency care 24/7
- All medical specialties.
- Diagnostic studies
- Surgery and hospitalization
- Video consultations and chat
- Dental coverage is included. 50 free procedures, others at significant discounts.
- Psychology. 20 sessions per year (40 for people under 24 years old)
- Podiatry, physiotherapy and rehabilitation
- Reimbursement of expenses for medicines and vaccines. Pharmacy: 50% cost - up to €100 per year.
- Assisted reproductive technologies. (help in realizing the dream of becoming a mother through infertility treatment procedures.)
- Reimbursement of expenses for optics and orthopedics
- Spa center
DKV Mundisalud Classic
- Wide medical network
- All doctors and medical centers in the world
- Primary medical care and emergency care 24/7
- All medical specialties.
- Diagnostic studies
- Surgery and hospitalization
- Video consultations and chat
- Dental coverage is included. 50 free procedures, others at significant discounts.
- Psychology. 20 sessions per year (40 for people under 24 years old)
- Podiatry, physiotherapy and rehabilitation
- Reimbursement of expenses for medicines and vaccines. Pharmacy: 50% cost - up to €100 per year.
- Assisted reproductive technologies. (help in realizing the dream of becoming a mother through infertility treatment procedures.)
- Reimbursement of expenses for optics and orthopedics
- Spa center
DKV Mundisalud Elite
- Wide medical network
- All doctors and medical centers in the world
- Primary medical care and emergency care 24/7
- All medical specialties.
- Diagnostic studies
- Surgery and hospitalization
- Video consultations and chat
- Dental coverage is included. 50 free procedures, others at significant discounts.
- Psychology. 20 sessions per year (40 for people under 24 years old)
- Podiatry, physiotherapy and rehabilitation
- Reimbursement of expenses for medicines and vaccines. Pharmacy: 50% cost - up to €100 per year.
- Assisted reproductive technologies. (help in realizing the dream of becoming a mother through infertility treatment procedures.)
- Reimbursement of expenses for optics and orthopedics
- Spa center
DKV Top Health
- Wide medical network
- All doctors and medical centers in the world
- Primary medical care and emergency care 24/7
- All medical specialties.
- Diagnostic studies
- Surgery and hospitalization
- Video consultations and chat
- Dental coverage is included. 50 free procedures, others at significant discounts.
- Psychology. 20 sessions per year (40 for people under 24 years old)
- Podiatry, physiotherapy and rehabilitation
- Reimbursement of expenses for medicines and vaccines. Pharmacy: 50% cost - up to €100 per year.
- Assisted reproductive technologies. (help in realizing the dream of becoming a mother through infertility treatment procedures.)
- Reimbursement of expenses for optics and orthopedics
- Spa: We cover your costs for up to 20 days to help you recover after at least 3 days of hospitalization.
With medical insurance DKV Mundisalud 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