DKV Health Insurance for Residents & Expats
Health Insurance in Spain - Private Medical Insurance
C1 Broker recommends DKV Seguros Médicos, an insurance company specialised in private health insurance with its own network, products with reimbursement, dental insurance and serious illness insurance, accident and death insurance.
Your Health in the Best Hands with DKV and C1 Broker
At C1 Broker, we understand how important it is to have health insurance that fits your needs and gives you peace of mind. That’s why we partner with DKV Health Insurance, a leading company specialising in private health insurance, to offer you comprehensive cover and high-quality services.
🩺 Top DKV Health Insurance Options Recommended by C1 Broker
At C1 Broker, we highlight the following DKV health insurance options:
DKV Top Health: International cover with 100% reimbursement of medical expenses, including medical assistance in the USA. Learn more
DKV Mundisalud: A hybrid policy combining access to the DKV medical network in Spain and worldwide reimbursement of medical expenses. Learn more.
DKV Integral: Access to an extensive network of private doctors and hospitals in Spain, with no waiting lists. Learn more.
💚 Why Choose DKV Health Insurance?
Choosing a DKV health insurance policy means trusting a company with a solid track record, focused on high-quality care and people-first values. With DKV, you’re not only protecting your health — you’re doing so with confidence, innovation, and peace of mind.
Here are some of the reasons why C1 Broker recommends DKV:
✅ Extensive Medical Network Across Spain
Gain access to over 51,000 healthcare professionals, plus a wide network of top-tier hospitals and clinics. No waiting lists, no hassle — you choose when and with whom you receive care.
🌍 National and International Cover
With international cover options like DKV Mundisalud and DKV Top Health, you can travel or live abroad with total peace of mind.
📱 Advanced Digital Healthcare
With the Quiero Cuidarme Más app, you can book appointments, access video consultations, receive medical follow-ups, view your medical history, and more. Your health, just one click away.
🧠 International Second Medical Opinion
For serious or complex diagnoses, DKV provides access to world-renowned specialists through their second medical opinion service — expert support when you need it most.
🔒 Lifetime Policy Guarantee
DKV guarantees it will not cancel your policy due to age or usage. After just three years with DKV, you can maintain your policy for life — a long-term commitment that offers real peace of mind.
With DKV and C1 Broker, you get more than just health insurance — you get a team that cares, supports, and is always by your side.
DKV TOP HEALTH
DKV Top Health is the only health insurance that reimburses 100% of all costs, without any limits, worldwide, dental coverage up to € 9,000.00 per year, medicines are reimbursed without limit .
The best of the best insurance, for premium clients. It is the most complete private insurance. Includes free choice of doctors and hospitals around the world. The care will be provided by the DKV medical team, with no limit on the amount of expenses, by presenting the DKV card.
The elite of private health insurance, without setting limits or borders to your health. A health insurance that gives you access to the best private medicine, what you need to take care of your health and quality of life, without access or expense limits. In case of free choice of doctors, 100% reimbursement of bills in Spain and 100% worldwide.
DKV MUNDISALUD - Free Choice of Doctors with Reimbursement
DKV Mundisalud is health insurance with a free choice of doctor. The customer can choose from the affiliated hospitals and centres or choose a hospital and doctor anywhere in the world, (up to the agreed limit) and submit the invoice to DKV.
DKV INTEGRAL - DKV's Affiliated Doctors and Centres
Affiliated doctor type of insurance. Medical care is provided exclusively by the DKV’s affiliated hospitals and centres. Without a limit on the amount for expenses, only by presenting the DKV card. With and without Copayment.
DKV FAMEDIC - Family Medical Insurance
FAMEDIC is an alternative to ensure your health and that of your family at a very low price. With this health policy you can access consultations in seven specialties (General Medicine, Nursing, Pediatrics, Gynecology, Ophthalmology, Dermatology and Venereology and Orthopedics). at DKV centers. For 23.50 euros you can insure up to 8 members of your family.
DKV MUNDICARE - Serious Illnesses Insurance
An insurance against serious illnesses, with which we guarantee the financial protection, support and guidance necessary to receive the best treatment available worldwide in the event of a serious illness diagnosis, access to the best medical treatment abroad.
📊Comparison of DKV Health Insurance Options
| Feature | DKV Top Health | DKV Mundisalud | DKV Integral |
|---|---|---|---|
| International Cover | ✔️ Yes | ✔️ Yes | ❌ No |
| Medical Expenses Reimbursement | 100% Worldwide | 80% in Spain / 90% abroad (depending on option) | ❌ No |
| Access to DKV Medical Network | ✔️ Yes | ✔️ Yes | ✔️ Yes |
| Hospitalisation & Surgery | ✔️ Yes | ✔️ Yes | ✔️ Yes |
| GP & Specialist Consultations | ✔️ Yes | ✔️ Yes | ✔️ Yes |
| Digital Healthcare & Telemedicine | ✔️ Yes | ✔️ Yes | ✔️ Yes |
| Freedom to Choose Doctor / Centre | ✔️ Yes (via reimbursement) | ✔️ Yes (via reimbursement) | ❌ No (medical network only) |
| Travel Assistance | ✔️ Yes | ✔️ Yes | ✔️ Yes |
| International Second Opinion | ✔️ Yes | ✔️ Yes | ✔️ Yes |
| Entry Age | Up to 75 years old | Up to 75 years old | Up to 75 years old |
| Lifetime Policy Guarantee | ✔️ Yes (from 3rd year onwards) | ✔️ Yes (from 3rd year onwards) | ✔️ Yes (from 3rd year onwards) |
| Dental Cover Included | ✔️ Yes | ✔️ Yes | ✔️ Yes |
| Available Options | No excess | ||
| €600 excess | |||
| €1,200 excess | Complet (80% ES / 90% INT) | ||
| Plus (80% ES / 90% INT) | |||
| Classic (80% ES / 90% INT) | |||
| Élite (90% ES / 90% INT) | |||
| Premium (90% ES / 90% INT) | Complet (high co-pay) | ||
| Plus (medium co-pay) | |||
| Classic (low co-pay) | |||
| Élite (no co-pay) | |||
| More Information | See Top Health | See Mundisalud | See Integral |
📅Waiting Periods in DKV Health Insurance
Waiting periods refer to the time that must pass from the start of your policy until you can access certain specific benefits. This is a standard practice in health insurance, designed to ensure the sustainability of the system.
With DKV, most services are available from day one, including:
General medicine
Paediatrics
Emergency care
Specialist consultations
Basic diagnostic tests
However, some services are subject to specific waiting periods. Below are the most common:
🕐Main Waiting Periods with DKV
| Coverage | Waiting Period |
|---|---|
| Hospitalisation (illness or surgery) | 6 months |
| Childbirth (full-term pregnancy) | 8 months |
| Complex surgical procedures | 6 months |
| Transplants | 12 months |
| Surgical prostheses | 6 months |
| Medical expenses reimbursement (depending on the policy) | 6 months |
| Clinical psychology (depending on the policy) | 6 months |
❗Important Notice
If you are transferring from another insurer without a break in cover, DKV may waive or reduce the waiting periods, depending on your case.
In situations of life-threatening emergency, no waiting periods apply.
If you’re unsure how these waiting periods apply to your specific case, the C1 Broker team is here to help you understand your options and choose the right cover for your needs.
👉 Request information or a personalised quote here
Why C1 Broker recommends DKV Seguros
DKV Health Insurance – As an expat or foreign resident in Spain, you want to make sure you have the best health insurance possible. DKV health insurance is one of the leading providers of health care in Spain. They offer a wide range of products and services designed to meet the needs of expats and foreign residents. DKV health insurance offers a variety of supplemental plans that can be tailored to your specific needs. Whether you’re looking for dental coverage, vision insurance, or travel insurance, DKV has a plan that’s right for you. Get the best health insurance in Spain by choosing DKV with C1 Broker.
We have been working with DKV Seguros Médicos in Spain for more than 26 years. DKV belongs to the ERGO ReMunich group, one of the leading European insurance and reinsurance groups. Because of our long history with this company, we have confidence in their products and value the service they offer to our clients.
If you are looking for a DKV Health Insurance in Tenerife, La Palma, Gran Canaria, Fuerteventura, Lanzarote, Mallorca, Ibiza, Alicante, Costa Blanca o Barcelona, C1 Broker is the right partner for you.
Invest in your Health
C1 Broker presents DKV Seguros, Health Insurance solutions for Expats and Residents in Spain
