DKV Top Health Premium Health Insurance Expats in Spain

Yes, DKV Top Health includes waiting periods for certain types of cover, such as childbirth (typically 8 months). However, for basic medical consultations and standard diagnostic tests, there is no waiting period.

Below are the most relevant waiting periods:

• Outpatient surgical procedures in groups 0, I and II of the nomenclature (unless due to an emergency or accident): 6 months

• High-tech diagnostic tests, including CT scans and MRIs: 6 months

• Shock wave therapy (musculoskeletal lithotripsy): 6 months

• Interventional diagnostic tests without hospitalisation: 6 months

• Psychotherapy sessions: 6 months

• Podiatric surgery and biomechanical gait analysis (only for individual policies): 6 months

• Hospital treatments: 8 to 12 months

• Transplants: 12 months

• Childbirth or caesarean section (except premature birth): 8 months

• Surgical procedures in groups III to VIII, hospitalisation, and prostheses (excluding emergencies or accidents): 8 months

For more details about DKV Top Health’s waiting periods, feel free to contact us at info@c1broker.es or via our contact form.

The price of DKV Top Health depends on several factors, including your age, place of residence, any optional cover, and the plan type you choose (with or without excess).

To get an accurate and personalised quote, simply fill out the form on the C1 Broker website — you’ll receive your customised quote in just a few minutes.

At C1 Broker, we also offer personalised health insurance consultations to help you choose the plan that best suits your life in Spain, your lifestyle, budget, and location.

📩 For more information, contact us at info@c1broker.es or use our contact form to request your no-obligation quote.

Yes, you can include your family members in the DKV Top Health plan. This policy allows you to add your spouse and children, offering them the same high-quality medical cover.

What’s more, family plans come with more competitive pricing, providing significant savings compared to individual policies.

📩 For more information, contact us at info@c1broker.es or request your personalised quote through our contact form:
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No, DKV does not cover pre-existing conditions under any of its private health insurance plans, including DKV Top Health.

Before taking out the policy, applicants must complete a medical questionnaire detailing their health history. Based on this information, DKV will assess the risk and may either:

• Accept the policy with specific exclusions, or

• In some cases, decline the application altogether.

If you’re unsure how to complete the medical questionnaire or need expert advice to find the right health insurance option for your situation, C1 Broker is here to help.

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

DKV Top Health gives you complete freedom to choose any doctor, specialist, or clinic — whether within or outside the DKV medical network. If you choose to use the free choice option, the reimbursement process is simple and 100% online.

Steps to Request Reimbursement:

1. Visit the doctor or clinic of your choice.

2. Keep the invoice or receipt, which must include your NIF (tax ID) and details of the medical service (type of consultation, treatment, etc.).

3. Log in to your DKV customer area (eCliente) or use the DKV app.

4. Upload the invoice securely — the system is quick, easy, and available 24/7.

Benefits of DKV’s Reimbursement Process:

✅ No paperwork required
✅ Fully digital process from anywhere
✅ Fast reimbursement – usually within 7 days

In your DKV client area, you can also:

• Request authorisations and reimbursements

• View and update your policy details

• Check invoices and co-payments

• Download general and personalised terms

• Request replacement cards, certificates, and more

📩 Need help choosing the right health insurance? Contact C1 Broker at info@c1broker.es or request your personalised quote here:
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DKV Top Health is available to anyone with tax residency in Spain, up to the age of 70.

This premium plan is designed for those who want complete peace of mind and worldwide medical protection — with no restrictions or financial worries.

It’s the ideal choice for:

✔ Internationally mobile professionals
✔ Expats living in Spain
✔ Entrepreneurs and executives
✔ Families seeking the highest level of private healthcare

🔹 Maximum Cover. Maximum Freedom. Maximum Peace of Mind.
🔹 Maximum enrolment age: 70 years

📩 For more information, contact us at info@c1broker.es or request your personalised quote via our contact form:
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DKV Top Health is DKV’s most exclusive and comprehensive health insurance plan, offering premium-level cover in Spain and abroad. It’s designed to provide unlimited healthcare with no borders. Here are its key features:

✅ Hospitalisation, Consultations, and Treatments – No Limits
Full access to hospital care, outpatient services, and specialist consultations — with no restrictions. Benefit from the best professionals and medical centres.

✅ Freedom to Choose Doctors and Clinics Worldwide
Visit any doctor or clinic, whether inside or outside the DKV network. DKV will reimburse 100% of your medical expenses in Spain and internationally.

✅ Preventive Care and Health Screenings
Regular check-ups including gynaecological, urological, and paediatric exams, among others.

✅ Cancer Care and Serious Illnesses
Comprehensive oncology cover including hospitalisation, surgery, chemotherapy, and radiotherapy.

✅ Assisted Reproduction
Included within the policy, with access to specialist treatments.

✅ Psychology and Psychotherapy
Up to 30 sessions per year with qualified professionals.

✅ Dental Cover
✔ 100% cover at DKV-approved centres
✔ 80% reimbursement at providers of your choice, up to €9,000/year

✅ Alternative Therapies
Homeopathy, acupuncture, and chiropractic therapy all included.

✅ Myopia Correction
Up to €1,500 per eye at non-network centres.

✅ Surgical Prostheses
Included with no spending limit.

✅ Prescription Medication and Vaccinations
Covered and reimbursed as part of your policy.

🔹 No Co-payments
🔹 Worldwide Coverage
🔹 No Waiting Lists

📩 Want to find out how much this cover would cost for you? Contact C1 Broker at info@c1broker.es or request your personalised quote here:
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Yes, with DKV Top Health you have complete freedom to choose any doctor, hospital, or clinic — in Spain or anywhere in the world.

You can choose to:

🔹 Use the DKV medical network, with direct access and no additional cost
🔹 Visit any medical centre outside the network, and DKV will reimburse 100% of your expenses when you submit the invoice via the DKV App or customer portal

One of the biggest advantages of this plan is its international reimbursement feature — even in countries like the United States, where private healthcare can be very expensive. With DKV Top Health, you’re covered at world-renowned clinics and hospitals.

🌍 Total freedom of choice. Borderless coverage. Peace of mind wherever you are.

📩 Want to learn more or calculate your premium? Contact C1 Broker at info@c1broker.es or request your personalised quote here:
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When you take out DKV Top Health with C1 Broker, you’re getting more than just a health insurance policy — you’re gaining a trusted partner who will support you every step of the way, always acting in your best interest.

✅ Independent, Personalised Advice
We assess your needs, situation, and budget to help you choose the plan that best fits your life in Spain.

✅ Client Advocacy
As an independent insurance broker, we don’t work for the insurer — we work for you. If any issues arise with the company, we’ll be on your side to defend your rights.

✅ Ongoing Support
From policy setup to managing authorisations, reimbursements, renewals and more — we’re here to help with all aspects of your health insurance.

✅ Expertise with International Clients Living in Spain
We understand your needs and speak your language.

✅ No Extra Cost
Our expert service comes at no additional cost to you.

📩 Want to enjoy premium health insurance with the backing of a dedicated expert team?
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DKV Top Health is available in three plan options, designed to suit different needs and budgets:

✅ No Excess

Perfect if you want full coverage without having to pay anything upfront. All eligible medical expenses are reimbursed from the first euro.

✅ €600 Excess

You cover the first €600 per year for medical expenses incurred outside the DKV network. After that, DKV reimburses 100% of the remaining costs.

✅ €1,200 Excess

Works the same way as the €600 option but with a higher excess, which lowers the annual premium. Ideal for those who rarely use services outside the network.

📌 Important: The excess only applies to reimbursement claims — that is, when you choose doctors or clinics outside the DKV network. If you use the DKV medical network, you won’t pay anything, and no excess applies.

📩 Not sure which option is best for you? At C1 Broker, we offer expert advice with no obligation.
Write to us at info@c1broker.es or request your personalised quote here:
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Yes — DKV Top Health offers a lifetime policy commitment after your third year of continuous cover. This means that once you’ve been insured for three years, DKV cannot cancel your policy based on your age, medical history, or how often you’ve used your insurance.

Another key advantage compared to other insurers is that your premium will not increase based on claims — in other words, you won’t pay more simply because you’ve used your insurance regularly.

This long-term commitment offers peace of mind, stability, and strong protection, making DKV Top Health one of the most secure and reliable private health insurance options available.

📩 Want to learn more about this exclusive benefit? Contact C1 Broker at info@c1broker.es or request your personalised quote here:
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Yes, in some cases, it is possible to reduce or even eliminate waiting periods in the DKV Top Health plan.

This typically applies when the applicant can prove they have had a previous private health insurance policy with similar coverage and no significant breaks in continuity.

This option helps to recognise your previous insurance history and allows for uninterrupted access to services such as hospitalisation, high-tech diagnostics, or surgical procedures — without having to start a new waiting period.

Each situation is assessed individually, so it’s important to speak with a qualified advisor to determine if you’re eligible for this benefit.

📩 At C1 Broker, we’ll assess your case and help manage your policy in a personalised way.
Contact us at info@c1broker.es or request your quote here:
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If you have a DKV health insurance policy, you are covered for emergency medical care abroad during stays of up to 180 days, with coverage of up to €20,000 for medical emergencies.

To activate this cover, simply call the 24-hour assistance number:
📞 +34 91 379 04 34 (printed on the back of your DKV health card).
DKV’s medical team will guide you to the most appropriate clinic or hospital, depending on your location.

This travel cover includes:

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

• Medical transport and repatriation

• Delivery of medication

• Telephone medical consultation

• Emergency dental treatment (up to €150)

• Extended hotel stay (up to €300)

• Early return due to serious incident or emergency

• Legal assistance (up to €1,500) and bail advance (up to €6,000)

• Shipment of luggage and important documents

If you’re insured under DKV Top Health, you also have access to the international reimbursement system, which allows you to receive treatment from any doctor, clinic, or hospital worldwide and get 100% reimbursement of your medical expenses — without needing to activate the standard travel cover.

This gives you maximum freedom and peace of mind, no matter where you are.

📩 Want to know more about international care or how the reimbursement system works?
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DKV Top Health provides comprehensive mental health cover, including the following services:

• Clinical Psychology: Up to 30 sessions per year, subject to referral by a psychiatrist.

• Psychotherapy: Also requires a medical referral and is available for the treatment of emotional disorders, anxiety, depression, stress, and related conditions.

• Speech and Voice Therapy (Logopaedics and Phoniatrics): For the treatment of speech, voice, and language disorders.

• Sleep Unit: Access to diagnosis and treatment for sleep disorders when medically indicated.

This integrated approach ensures professional, coordinated, and personalised care, tailored to each patient’s specific clinical needs.

📩 Want more information about mental health cover or a personalised quote?
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Yes, DKV Top Health includes cover for assisted reproduction treatments, making it an excellent choice for individuals or couples seeking specialised medical support with fertility.

📌 Important: This benefit has a 2-year waiting period, meaning you must hold the policy for two years before you can access this service.

Treatments are carried out at authorised specialist centres and follow the medical criteria established by DKV.

📩 Interested in this cover or wondering if it’s the right fit for your situation?
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No, the premium for DKV Top Health does not increase based on your personal claims or how often you use the insurance. Even if you require frequent care or undergo costly treatments, your premium will not go up because of it.

This offers long-term price stability and predictability, unlike some insurers who apply surcharges for high usage.

In addition, DKV Top Health guarantees a lifetime policy from the fourth year onwards — meaning the insurer cannot cancel your policy due to age, medical history, or insurance usage.

📩 Interested in premium health coverage with no price surprises and a lifetime commitment? Contact C1 Broker at info@c1broker.es or request your personalised quote here:
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