DKV Mundisalud Spain: International Health Insurance with Reimbursement

Yes, DKV Mundisalud includes waiting periods for certain coverages, such as childbirth (usually 8 months). However, there are no waiting periods for medical consultations or basic diagnostic tests.

A waiting period is the time that must pass from when you take out the policy until you can access specific benefits (except in the case of life-threatening emergencies or accidents).

Here are the most relevant waiting periods:

📝 Note: These waiting periods may be waived if you’re transferring from another similar health insurance and can provide proof of prior coverage.

If you’d like more information about the DKV Mundisalud waiting periods, feel free to contact us at info@c1broker.es or via our contact form.

The price of DKV Mundisalud is not fixed — it’s calculated individually based on several factors, including your age, place of residence, whether the plan is individual or family, and the type of cover you choose.

This health insurance is available in several versions, each offering different levels of reimbursement and annual limits:

• Mundisalud Élite:
  Offers up to 90% reimbursement and the highest annual limits. It’s the most complete option, and naturally comes with a higher monthly premium.

• Mundisalud Classic and Plus:
  Provide 80% to 90% reimbursement with more moderate limits. These are ideal if you’re looking for balanced international coverage at a more affordable price.

• Mundisalud Complet or Classic Hospitalisation:
  Focused mainly on hospitalisation cover, these plans offer a lower-cost solution for those who want basic yet flexible protection.

👉 The higher the reimbursement level and coverage, the higher the premium.
If you prefer something more budget-friendly, you can choose a plan with lower reimbursement while still enjoying international medical cover.

At C1 Broker, we’ll assess your situation and help you choose the most suitable option — based on your lifestyle, budget, and healthcare needs.

📩 Contact us at info@c1broker.es or reach out via our online form.

👉 Request your personalised quote

Yes, you can include your partner and children under the same DKV Mundisalud policy.
In fact, this plan is designed for both individuals and families seeking high-quality private and international medical cover.

When you choose DKV Mundisalud as a family plan, all insured members benefit from:

• International medical coverage, with complete freedom to choose doctors and clinics

• Access to the national DKV medical network with no co-payments

• Reimbursement system for medical expenses, both in Spain and abroad

• Annual limits adapted per insured person, even within a shared family policy

• Pregnancy, childbirth and paediatric care, especially valued by families with young children

DKV also offers special conditions for families, and at C1 Broker we provide personalised advice to help you find the most cost-effective combination of coverage and price, based on the age and needs of each family member.

👉 Request your personalised quote for you and your family

No, DKV does not cover pre-existing conditions under any of its private health insurance policies, including DKV Mundisalud.

Before the policy is issued, the applicant must complete a medical questionnaire outlining their health history. Based on this information, DKV will assess the risk and may either:

• Accept the policy with exclusions, or

• Decline the application altogether in some cases.

If you’re unsure how to fill out the medical questionnaire or need help finding the most suitable health insurance based on your specific situation, C1 Broker is here to support you.

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

One of the biggest advantages of DKV Mundisalud is its medical expense reimbursement system.
It allows you to visit any doctor, clinic or hospital — in Spain or abroad — even if they’re not part of the DKV network.

The process is simple:

1. Pay the medical service directly at your chosen clinic or hospital

2. Log in to your private client area or use the DKV Digital Doctor app

3. Upload the invoice along with the relevant medical documentation

4. Receive the reimbursement directly into your bank account

📊 How much does DKV reimburse?

The percentage and annual reimbursement limit depends on the plan you select:

• Élite: Up to 90% in Spain and 90% abroad, with a high annual limit per insured person

• Classic: Up to 80% in Spain and 90% abroad, with a mid-range annual limit

• Plus: Up to 80% in Spain and 90% abroad, with a lower annual limit

Reimbursement is made up to the annual limit, and in some cases, there may be sub-limits per medical service.

This system gives you total freedom to choose your healthcare providers, without being restricted to DKV’s partner network.

👉 Request your personalised quote

DKV Mundisalud is available to residents in Spain who are looking for high-quality private health coverage, both nationally and internationally.

It’s ideal for:

👤 Individuals who want an alternative to the public healthcare system or a complement to other insurance plans.
👨‍👩‍👧‍👦 Families who want to insure all members under one policy.
🌍 Expats and international residents in Spain who want to keep access to doctors and hospitals outside the country.
✈️ Professionals and frequent travellers who need global medical coverage.
👩‍⚕️ Those who value the freedom to choose their doctors and access the best healthcare centres without restrictions.

👉 Anyone aged between 0 and 75 years can take out this insurance, provided they pass the initial medical questionnaire. There are also specific conditions for family policies and newborns.

At C1 Broker, we help you find the best plan for your age, lifestyle and health needs.

👉 Request your personalised quote

DKV Mundisalud offers full, international health coverage without borders — ideal for those who want the best of private healthcare, with the peace of mind of being protected anywhere in the world.

Here are the main coverages included:

🩺 Primary care and specialists
Consultations with GPs, paediatricians, and over 40 medical specialities.

🔬 Diagnostic tests and treatments
Blood tests, X-rays, MRIs, CT scans, ultrasounds, endoscopies, biopsies, and more.

🏥 Hospitalisation and surgery
Full coverage for hospital stays, surgical procedures, ICU, childbirth and post-operative care.

👶 Pregnancy, childbirth and paediatrics
Prenatal check-ups, ultrasounds, delivery and newborn care.

🧠 Psychology and mental health
Psychotherapy sessions and coverage for mental health conditions (depending on the plan selected).

🌍 International medical coverage
Total freedom to visit medical centres anywhere in the world, thanks to the medical reimbursement system.

📲 Digital healthcare and 24h assistance
Access to the DKV Digital Doctor app, video consultations, medical chat and 24/7 support.

🧬 International second medical opinion
Consultations with renowned international specialists to confirm complex diagnoses.

The extent of coverage and limits vary depending on the plan (Plus, Classic, or Élite).

👉 Request your personalised quote

Yes, with DKV Mundisalud you have full freedom to choose the hospital or clinic where you wish to be treated, both in Spain and abroad.

This insurance works on a mixed model, meaning it combines two ways of accessing healthcare:

✅ Access to DKV’s approved medical network in Spain, which includes thousands of specialists and prestigious clinics.
Here, you can use your insurance with no co-payments, no limits, and no upfront payments.

🌍 Freedom to choose any doctor or clinic, inside or outside Spain.
In this case, you choose the provider, pay the bill, and DKV reimburses a percentage of the cost, depending on your selected plan:

• Élite: Up to 90% reimbursement

• Classic and Plus: Between 80% and 90% reimbursement

• Premium: Higher reimbursement and larger annual limits

There is an annual reimbursement limit, which also varies depending on the plan.

This model gives you maximum flexibility and medical freedom, perfectly suited for your lifestyle — whether you live in Spain or travel frequently abroad.

👉 Request your personalised quote and let us help you choose the best option

Taking out your DKV Mundisalud health insurance with C1 Broker means more than just accessing one of the best international health insurance plans — it means having the support of an independent broker specialised in private healthcare, by your side every step of the way.

Here are some of the exclusive benefits C1 Broker offers:

🧭 Personalised, no-obligation advice
We help you choose the plan that best fits your needs based on your age, location, expected usage, and budget. Not all policies are right for everyone — and that’s where an expert broker makes all the difference.

🛡️ Client advocacy and support with the insurer
If you face delays in reimbursements, have questions about coverage or experience issues with claims, our team acts as a direct intermediary with DKV to protect your interests and speed up the process.

🤝 Friendly, human and multilingual service
We know health insurance can be complex. That’s why we’re here to support you in your own language, with clear, caring and accessible communication — before, during and after your policy is in place.

🔄 Ongoing support and annual policy review
We help you adjust your plan if your circumstances change — whether it’s family, travel, age or lifestyle.

In short: you’re not alone when dealing with the insurance company — we’re on your side.

👉 Request your personalised quote and get the support of a trusted expert broker

DKV Mundisalud gives you the freedom to choose your level of medical coverage, with full flexibility to visit any doctor or clinic you prefer, whether you’re in Spain or abroad. This is called the reimbursement model.

🔹 What does reimbursement mean?

At C1 Broker, we explain it simply:
You choose any doctor (even if they’re outside the DKV medical network), pay the bill, and DKV reimburses part of the cost.
The more comprehensive the plan, the higher the reimbursement and the greater the annual coverage limit.

🧩 Main plans (from basic to premium)

📌 What does each plan include?

✅ In summary:

• If you want greater freedom and higher coverage limits, choose Élite or Premium.

• If you’re looking for a balanced and affordable plan, Plus or Classic are excellent options.

• If your focus is on hospital cover only, Complet is the most cost-effective choice.

👉 Request your personalised quote and let us help you choose the best plan for you

Yes, DKV Mundisalud is a lifetime policy with guaranteed annual renewal.
This means that once your policy is active, DKV cannot cancel it unilaterally due to medical reasons or age, as long as you keep your premium payments up to date and do not commit fraud or serious breaches of contract.

This is one of the key advantages of DKV Mundisalud compared to many other health insurance products on the market:

• No maximum age for continuing your policy

• The insurer cannot cancel your policy due to frequent use or new medical conditions

• Automatic yearly renewal, unless you choose to cancel

In short: DKV offers long-term stability and peace of mind, with a health insurance policy that stays with you for life.

👉 Request your personalised quote and secure your lifelong cover today

Yes, in some cases it is possible to reduce or even eliminate the waiting periods in the DKV Mundisalud health insurance.

This usually applies if you can prove that you’ve had a previous private health insurance policy with similar coverage and no significant gaps in coverage.

The aim is to recognise your previous insurance history and allow seamless continuity of care, so you don’t have to wait again to access certain services (such as hospitalisation, high-tech diagnostic tests, or surgical procedures).

Each situation is assessed individually, so it’s important to speak with a specialist to see if this benefit can be applied in your case.

📩 At C1 Broker, we help evaluate your situation and manage your policy with personalised guidance.
Contact us at info@c1broker.es or request your quote through the link below:

👉 Calculate Your Health Insurance

If you have a health insurance policy with DKV, you are covered for emergency medical assistance abroad for trips lasting up to 180 days, with coverage of up to €20,000 in the event of a medical emergency.

To activate this coverage, simply call the 24-hour assistance number:
📞 +34 91 379 04 34
You’ll find this number on the back of your DKV health card.
The DKV medical team will advise you on the most appropriate hospital or clinic based on your location.

This international travel assistance includes:

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

• Emergency medical transport and repatriation

• Delivery of essential medications

• Telephone medical consultation

• Emergency dental treatment (up to €150)

• Extended hotel stay (up to €300)

• Early return due to justified reasons

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

• Shipment of luggage and essential documents

Additionally, if you’re insured with DKV Mundisalud, you can use the international reimbursement system, which allows you to visit any doctor, clinic or hospital in the world and be reimbursed for 80–90% of your medical expenses, depending on your selected plan.

This gives you maximum freedom and peace of mind, wherever you are.

📩 Want to learn more about international assistance or the reimbursement system?
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 through the DKV medical network and via the reimbursement system.

Covered services include:

🧠 Psychiatric consultations: diagnosis, prescription and ongoing management of mental health conditions.
💬 Clinical psychology: up to 20 sessions per year, provided they are recommended by a psychiatrist.
📲 Online psychological support and video consultations via the DKV Digital Doctor app.
🧍‍♀️ Personalised therapeutic follow-up, depending on the plan selected.

You can access these services either within the DKV medical network (at no extra cost), or by visiting professionals of your choice — using the reimbursement system, in accordance with the percentages and limits of your selected plan (Plus, Classic, Élite or Premium).

At C1 Broker, we help you choose the plan that best suits your needs, especially if mental health is a key priority for you or your family.

👉 Request your personalised quote with mental health cover

Yes, DKV Mundisalud includes coverage for assisted reproduction treatments, making it an excellent option for those seeking medical support during fertility processes.

📌 Important: This coverage has a waiting period of 2 years, meaning you must have held the policy for that amount of time before accessing these services.

Treatments are carried out in specialised centres, following the medical criteria established by DKV.

📩 Interested in this coverage or want to know if it’s right for your situation?
Contact C1 Broker at info@c1broker.es or request your personalised quote here:

👉 Get Your Health Insurance Quote

No, the premium for DKV Mundisalud does not increase because you’ve used the insurance frequently or required multiple treatments.

DKV does not penalise individual policyholders for using their insurance.
Premium adjustments are applied collectively, based on general criteria such as:

• Age of the insured (age group brackets)

• Overall evolution of medical costs

• Insurance market conditions

• Annual review of the insurer’s standard pricing

In short, your premium may change upon renewal, but not because of your personal claims history.
DKV follows a stable and transparent pricing policy.

At C1 Broker, we’ll clearly explain any adjustments and help you review your policy annually to ensure you always have the most suitable and cost-effective option.

👉 Request your personalised quote with professional advice