DKV TOP Health

The only health insurance policy that refunds 100% of your expenses. Anywhere in the world. Because there are people who wish to put neither limits nor barriers on their health.

The Health Insurance with a coverage that reaches the levels of the TOP products in Germany or England. This product is - like Mundisalud - a mixed product, which means that it includes all kinds of health care provided by the members of our associated list of medical experts (principle of benefit in kind). Moreover, DKV Top Health offers you the possibility of choosing doctors and hospitals freely (principle of reimbursement). Unlike typical Spanish products, medicines, remedies, adjuvant (including optical aids), rehabilitation etc. are included.

Read more about the product in the DKV TOP Health Flyer (PDF) or in the Product Short Description (PDF) .

1. Using the associated list of medical experts:

Principle of benefit in kind: 100 %

2. Free choice of doctor or hospital: principle of reimbursement:

a) Without contribution

b) Contribution of 600 EUR

c) Contribution of 1.200 EUR

* Contribution only if the chosen doctors or hospitals are not in the list of associated doctors and centres in the case of primary care and dental treatment

1. Primary Care	100%
Preventive medicine	annual check-up up for insured persons over 35 years of age
Vaccination including vaccine	100%
Psychotherapy	1st to 30th session 100% 31st to 60th session 80% 61st session onwards 70%
Ambulance service to hospital or emergency doctor in case of accident or emergency	100%
Medical Care at home	100%
Homeopathy incl. homeopathic medicines	up to 50 eur/session
Acupuncture/chiromassage/phytotherapy	50 eur/session and up to 30 session/ year/ insured person
Medicines and Bandages	100%
Midwife	100%
Physiotherapy	100%
Medical aids according to catalogue including spectacle lenses	100%
Spectacle Frames	up to 80 eur/frames
Myopia correction for other medical reasons	up to 1,500 eur/eye

 

2. Dental Care
Dental treatment	80% up to a maximum of 9.000 eur/year
Dental prosthesis including materials and laboratory costs
Orthodontics

 

3. Hospital Care	100%
Accommodated in single room + bed for a companion	100%
Medical and Surgical Care	100%
Midwife	100%
Transfer of a sick person by ambulance	100%
Transfer of a sick person in by rescue helicopter	100%

DKV Top Health breaks the barrier of the conventional private insurance as it includes new services, which in some cases even exceed those offered by the Social Security.

When you take out your DKV Top Health policy, you will receive the following cover:

•  General Medicine
•  Emergencies
•  Medical and surgical specialities
•  Diagnostic aids: clinical, anatomopathological and smear tests…
•  Hospitalitsation
•  Preventive Medicine: infant health, gynaecological cancer, prevention of heart disease, colorectal cancer, prostrate cancer and dental health.
•  Medicines
•  Assisted Reproduction
•  Transplants
•  Therapeutic methods: Aerosol therapy, Oxygen therapy and ventilation therapy.
•  Spas*
•  Auxiliary curing aids*: orthopaedic pieces, lenses...
•  Surgery for myopia*
•   Dental care*
•  Alternative therapies*: Homeopathy, Acupuncture, Quiromassage…

*Services not covered by the Social Security or by conventional private insurances.

Medical Services:

• Specialist Surgery
• Anaesthesiology and Cardiovascular Surgery
• Digestive System
• Cardiology - Blood Circulation System
• General and Digestive Surgery
• Paediatric Surgery
• Plastic and Reparative Surgery
• Thoracic Surgery
• Dermatology
• Endocrinology and Nutrition
• Geriatrics
• Gynaecology
• Ophthalmology
• Oncology
• Ear, Nose and Throat
• Paediatrics and Child Development
• Chiropody
• Psychiatry
• Rehabilitation, Physiotherapy and Speech Therapy
• Rheumatology
• Tocology
• Preventive Medicine
• Yearly gynaecological check-ups
• Haematology
• Hospitalisation
• Hospitalisation for Psychiatric Treatment
• General Medicine
• Preventive Medicine (it includes an annual check-up)
• Adult Medicine
• Complementary Means of Diagnosis
• Nephrology
• Neonatology
• Respiratory Medicine
• Neurosurgery
• Neurology
• Cobalt radiation treatment - radiotherapy
• Radioactive isotopes
• Dialysis
• Electro-radiotherapy
• Laser therapy and magnetotherapy
• Renal and vesicular lithotipsy
• Oxygenotherapy and ventilotherapy
• Chemotherapy
• Traumatology
• Urology

Clinical treatment	6 months (*)
Childbirth	8 months
Surgical intervention (including surgical prostheses)	6 months (*)
Surgical correction of myopia, hypermetropia and astigmatism	12 months
Techniques of assisted reproduction	12 months
Transplants	12 months
Prosthesis	6 months (*)
Psychotherapy	8 months
Dental-prosthesis and Orthodontics	8 months

(*) In case of accidents or life threatening emergency there is no period of grace.

Would you like to receive a personalized quotation on this medical insurance?

Please send us your Date of Birthday to the following email:

or contact us on (+34) 902 10 82 92 or in any of our offices.

AGE	Male	Female
26	204,51 €	293,69 €
27	205,35 €	294,82 €
28	207,74 €	298,01 €
29	210,12 €	301,20 €
30	212,51 €	304,39 €
31	214,90 €	307,59 €
32	217,28 €	310,78 €
33	220,48 €	315,06 €
34	223,68 €	319,33 €
35	226,87 €	323,61 €
36	230,07 €	327,89 €
37	233,27 €	332,17 €
38	236,39 €	336,35 €
39	239,52 €	340,52 €
40	242,64 €	344,70 €
41	245,77 €	348,88 €
42	248,89 €	353,06 €
43	254,81 €	361,04 €
44	260,35 €	369,02 €
45	265,90 €	377,00 €
46	271,44 €	384,98 €
47	276,99 €	392,96 €
48	288,70 €	403,15 €
49	299,75 €	412,95 €
50	310,62 €	423,06 €
51	321,49 €	433,42 €
52	332,37 €	444,05 €
53	351,51 €	459,31 €
54	370,65 €	474,58 €
55	389,80 €	489,84 €
56	408,94 €	505,11 €
57	428,91 €	520,37 €
58	459,83 €	538,59 €
59	490,75 €	556,80 €
60	521,67 €	575,02 €
61	552,59 €	593,23 €
62	583,51 €	611,45 €
63	622,41 €	631,37 €
64	661,30 €	651,29 €
65	700,19 €	671,21 €
66	739,08 €	691,12 €
67	777,97 €	711,04 €
68	819,80 €	732,49 €
69	861,64 €	753,94 €
70	903,47 €	775,39 €

 

(download here the General Conditions)

(e.g.) Acts of war, publicly declared epidemics, natural catastrophes, nuclear events, aesthetic surgery, practising
sports on a professional level as well as high risk leisure activities, fraud, alcohol and drugs abuse, any pre-existing
illnesses (unless they are included by the payment of an extra premium), psychoanalysis.

 

Worldwide; emergency cover abroad through EUROPEA (COMPAÑÍA EUROPEA DE SEGUROS, S.A.) for a maximum
stay of 90 days.

 

Yes, included.

 

Age limit for contracting: 65 years.

Insurable persons: People with permanent residence in Spain (minimum stay of 183 days/year).

Compensation for hospitalisation 50 EUR/ day (starting on the 3rd day) if the DKV Health Care Network is not used; account through DKV Medicard or reimbursement (also online); discounts for family policies; dental care service; paediatric medical hotline; 24 hour emergency-hotline; special telephone service: for pregnant women, for gynaecological care by gynaecologist, for nutritional as well as
dietary advice; refractive laser surgery; assisted reproduction and fertility service; second international medical opinion; programme in order to give up smoking; bio-ethics forum; medical consultation by DKV Seguros via internet; wellness-services; special service for senior citizens as well as people who require a high level of individual care; services for the withdrawal of cord blood as well as the storage of stem cells (with an extra payment), associated clinics in the US, hearing tests for newborn babies (screening), new medical hotline for overweight children.