DKV Integral Spain: Private Health Insurance with an Extensive Medical Network

Yes, DKV Integral includes some waiting periods. This means that for certain services, you’ll need to wait a specific period after purchasing the insurance before you can access them.

For example, for surgery or childbirth, there is a 6-month waiting period from the start date of the policy. Other services may also have waiting periods, which are clearly outlined in your contract.

👉 Don’t worry: At C1 Broker, we’ll explain these waiting periods clearly and how they apply to your specific case.

👉 Consult with us, and we’ll help guide you step by step.

Relevant Waiting Periods for DKV Integral

The price of DKV Integral depends on factors such as your age, place of residence, and the type of co-payment you choose.

👉 What is co-payment? It’s a small fee you pay only when you use a medical service.

🔸 No co-payment option: You’ll pay a higher monthly premium, but nothing when you visit the doctor.
🔸 Low or moderate co-payment options: Your monthly premium will be lower, but you’ll pay a small fee for each visit or test.

In summary: the higher the co-payment, the lower the monthly premium.

👉 Click here to calculate your price in 1 minute
At C1 Broker, we help you compare options and choose the one that’s best for you.

Yes, you can insure your family with DKV Integral, including your partner, children, or any other family member living with you. It’s a great way to ensure that everyone is covered under the same health insurance plan.

However, all insured members must be on the same co-payment plan. This means you cannot combine a no co-payment option for some and a co-payment option for others within the same policy.

👉 Request your family quote now
At C1 Broker, we help you easily and personally include your entire family in the coverage.

No, DKV does not cover pre-existing conditions under any of its private health insurance plans, including DKV Integral. Before signing up, the policyholder must complete a medical questionnaire, which details their health history. Using this information, DKV will assess the risk and may either accept the policy with exclusions or, in some cases, reject the application.

If you have any questions about how to complete the medical questionnaire or need help finding the best health insurance option for your situation, C1 Broker is here to assist you.

📩 For more information, contact us at info@c1broker.es or through our contact form to request your personalised quote.

Anyone who lives or wants to reside in Spain can take out DKV Integral insurance, whether individually, as a couple, or with their family.

📌 The minimum age to take out the insurance is from birth (0 years), and the maximum age is 75 years. Once taken out, the policy can be renewed without age limits as long as it remains active.

To sign up, you’ll need to complete a health questionnaire, which allows DKV to assess the medical condition of each policyholder. In some cases, special conditions or exclusions may apply, but at C1 Broker, we’ll help you manage everything clearly and with no surprises.

🔸 If you need health insurance to apply for a visa or residence permit in Spain, DKV Integral in the no co-payment option is an excellent choice.
It meets legal requirements and offers you comprehensive medical coverage within Spain.

👉 Click here to calculate your insurance and receive personalised advice

Yes, you can freely choose your hospital or clinic, as long as they are part of the DKV medical network.

With DKV Integral, you have access to a top-tier private medical network, featuring over 51,000 specialists and 1,000 medical centres and private hospitals across Spain. This includes many of the best private hospitals in the country.

🏥 This network is equipped with state-of-the-art technology, allowing for accurate diagnoses and high-quality medical follow-up, especially in more complex cases such as oncology treatments.

✅ You can choose the centre that best suits you, whether it’s in your city or another province, with no waiting lists or bureaucracy.

👉 Consult the medical network and calculate your insurance with C1 Broker’s help

DKV Integral offers three different plan options, so you can choose the one that best suits your budget and how often you visit the doctor.

The main difference between these options is the co-payment, which is a small fee you pay when using a medical service.

📋 The three plan options are:

🔹 No Co-payment Option
You pay a fixed monthly premium and don’t pay anything when you visit the doctor or get tests done.
✅ Ideal if you use the insurance frequently or want to forget about paying each time you use it.

🔹 Reduced Co-payment Option
You pay a lower monthly premium, and a small fee when you use the insurance.
👉 For example: €3 for a doctor’s consultation or €5 for a blood test.
✅ A good choice if you only use the insurance occasionally.

🔹 Moderate Co-payment Option
This is the most affordable monthly premium, but with slightly higher co-payments.
👉 For example: €10 for a consultation or €15 for a diagnostic test.
✅ Ideal if you rarely go to the doctor and want to pay the lowest monthly premium.

🧾 The exact co-payment amounts vary depending on the type of medical service and are outlined in your policy.

At C1 Broker, we help you compare options and explain everything clearly, with no fine print.

👉 Click here to calculate your insurance and see which plan suits you best

Yes, DKV Integral is a guaranteed annual renewal policy for life.

This means that once the insurance is taken out, DKV cannot cancel it for medical reasons or due to age, as long as the policyholder keeps their premiums up to date and does not commit fraud or breach the contract.

This is one of the great advantages of DKV over other health insurance providers:

✅ No maximum age to continue being insured
✅ You won’t be cancelled for using the insurance frequently or for having health conditions
✅ The policy is automatically renewed each year, unless you decide to cancel it

🔒 In summary, DKV offers you stability, peace of mind, and coverage that accompanies you for life.

👉 Calculate your DKV Integral insurance now and start protecting your health forever

Yes, in some cases, it is possible to reduce or even eliminate waiting periods when taking out DKV Integral insurance.

This may apply if you have had previous private health insurance with similar coverage and no significant interruptions.

📄 To apply for this benefit, you need to:

• Provide a copy of your previous policy

• Submit the latest payment receipt

• Ensure that no more than one month has passed between the expiry of your previous policy and the start of the new one

🎯 The goal is to recognise your previous insurance history and make it easier for you to continue your healthcare without having to wait again for services such as hospitalisation, high-tech diagnostic tests, or surgical procedures.

📌 Each case is assessed individually, so it’s important to get specialised advice.

👉 Consult with C1 Broker to see if you can benefit from this advantage.

If you have a DKV health policy, you’re covered for medical assistance abroad for stays of up to 180 days, with coverage of up to €20,000 in the case of a medical emergency.

To activate this coverage, simply call the 24-hour assistance number: +34 91 379 04 34, found on the back of your DKV health card. The DKV medical team will direct you to the most appropriate centre or hospital based on your location.

This coverage includes:

• Medical, surgical, pharmaceutical, and hospitalisation expenses (up to €30,000 depending on the plan)

• Medical transport and repatriation

• Medication delivery

• Telephone consultations

• Emergency dental expenses (up to €150)

• Hotel stay extension expenses (up to €300)

• Early return for justified reasons

• Legal defence (up to €1,500) and court bail (up to €6,000)

• Luggage and documentation shipment

Additionally, if you’re insured under DKV Mundisalud, you can use the international reimbursement system, allowing you to visit any doctor, clinic, or hospital worldwide and receive 80-90% reimbursement of medical expenses (depending on the plan). This offers you maximum freedom and security, wherever you are.

📩 Want to know more about how international assistance or reimbursement works?
Contact C1 Broker at info@c1broker.es or request your personalised quote here:
🔗 Get Your Health Insurance Quote

DKV Mundisalud includes mental health coverage as part of its healthcare benefits, both within the DKV medical network and through the reimbursement system.

The covered services include:

🧠 Psychiatric consultations: Diagnosis, prescription, and follow-up for mental health disorders.
💬 Clinical psychology: Covers up to 20 sessions per year, as long as they are recommended by a psychiatrist.
📲 Video consultations and online psychological support, available through the DKV app.
🧍‍♀️ Personalised therapeutic follow-up, depending on the plan selected.

This coverage can be provided at DKV network centres (at no additional cost) or at centres and professionals of your choice, using the partial reimbursement system, based on the percentages and limits of each plan (Plus, Classic, Elite, Premium).

At C1 Broker, we help you select the best option if mental health is a priority for you or your family.

👉 Request your personalised quote with mental health coverage

DKV Integral includes international coverage for medical emergencies during a trip abroad, with a limit of up to €30,000 per person per claim.

This coverage includes:

• Medical, pharmaceutical, and hospital expenses

• Ambulance transport

• Emergency medical assistance due to illness or accident

🧳 Valid for trips of up to 180 consecutive days, as long as the policyholder has their habitual residence in Spain.

Although DKV Integral is an insurance plan with coverage in Spain, it offers an exclusive advantage that makes it a unique option in the market.

👉 In the case of a serious illness, if the diagnosis is made in Spain and you need treatment abroad, DKV reimburses 80% of the medical expenses abroad, up to a maximum of €16,000 per year (for individual policies).

💡 This means that even though you choose an insurance plan with a national medical network, you can rest assured knowing you have access to international treatments if your health requires it.

🎯 This is an exceptional coverage that very few national network plans include, and it makes a real difference in critical moments.

👉 Request your DKV Integral insurance now and benefit from this exclusive advantage with the expert support of C1 Broker.