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“Without a doubt, the best. Very friendly and punctual on the call. They gave me accurate information about health insurance. Thank you so much! ”
Jose Muñoz Blanco
“They called me at the time I requested, great service, the health insurance enrollment was easy, and at a price lower than what I’m currently paying. ”
Alba Navarro Pérez
DKV Health Insurance Spain
DKV Seguros Spain is a major insurance company with a strong reputation throughout the country. The legal name of the company is DKV Seguros y Reaseguros S.A.E. It has been operating to the satisfaction of its clients for over twenty years. It is also part of the ERGO Group, one of the largest insurance groups in Germany and all of Europe. ERGO is present in more than 30 countries, focusing its activities mainly in Europe and Asia, where it offers an extensive range of insurance products and services.
The company’s main headquarters is located in Zaragoza, and it serves a large number of clients, the majority of whom are based in Catalonia. Today, it is a highly reputable insurance provider, and one of its most popular products is the DKV Health Insurance Spain.
With the DKV Health Policy Spain, clients enjoy many advantages, offering excellent health protection. This has positioned DKV Health Insurance Spain as one of the best in the sector. Additionally, with the DKV Spain medical directory, clients have access to top-tier care, experienced medical specialists, and reputable healthcare centers. There is no doubt that customers can receive the best DKV Spain medical assistance, ensuring optimal health care.
This outstanding insurance company has successfully met the needs of its customers by providing attractive solutions aimed at promoting health and well-being. DKV Spain offers a range of services, including DKV Health, DKV Life, DKV Dental, DKV Funeral, DKV Accident, and DKV Home, among others.
What Does DKV Health Insurance Spain Cover?
By contracting the DKV Health Insurance Spain, you will have all the necessary benefits for proper healthcare and the best part: At your fingertips. Emergency services, consultations, diagnostic tests, and even medical test results can be obtained immediately—something that is not easy to get quickly through public healthcare. This is mostly due to the long waiting times involved in accessing any of these services. Therefore, the most important thing is to have the benefits that only the health policy and DKV Spain medical directory can offer you.
Now then, you’re probably wondering: What does the DKV Health Insurance Spain cover? There are truly several advantages offered by this fabulous policy, providing the best for our health. Thus, if we contract the DKV Health Insurance Spain, we will have the peace of mind we so greatly need. DKV offers four modalities: DKV Insurance for young people, DKV Family Insurance, DKV Insurance for Seniors, and DKV Insurance for pregnant women. Each one of them adapts to every need, so you can feel protected.
With the DKV Insurance for young people, you get an excellent policy. That way, you can enjoy your youth while being covered for everything without waiting lists and with doctors always within reach. You will have access to medical assistance abroad and the best dental service. You also have access to all specialists from day one, get medical tests without waiting weeks, and have medical consultations from your mobile device wherever you are.
With the DKV Family Insurance, being able to care for your health and that of your family is your priority. Therefore, with this policy, you only need to worry about spending more time with your family and enjoying them. With this policy, you can have unlimited consultations and check-ups with specialists, preventive and diagnostic tests, included services in psychology, speech therapy, and dental insurance, and the best part: worldwide assistance during travel abroad.
The DKV Insurance for Seniors offers you the best coverage and services, avoiding overcrowded facilities and ensuring the fastest, most comfortable, and most efficient healthcare assistance. You can have rehabilitation, physiotherapy, and podiatry services, access to the most innovative and cutting-edge technologies, unlimited specialist consultations, hospitalization service with no day limit and a private room, worldwide assistance during travel abroad, and the best part: the highest contracting age limit in the market: up to 75 years old.
The DKV Insurance for Pregnant Women is ideal if you’re thinking of becoming a mother. With it, you can monitor both the pregnancy and childbirth, and make the most of all available services. You will have access to: gynecology and obstetrics consultations and check-ups, preventive and diagnostic tests, complete care during hospitalization and childbirth with a private room, and a digital midwife service for postpartum and pelvic floor rehabilitation.
Conditions to Contract the DKV Health Insurance Spain
By contracting the DKV Health Insurance Spain, you get the best to protect and safeguard your health and that of your loved ones. Without a doubt, this is something essential. However, to obtain one of these, you must know that it has its exclusions, and therefore, they must be respected. Because of this, many people ask: What conditions are established when contracting the DKV Health Insurance Spain? The most important ones are:
- You must inform where your residence is located. If you are a Spanish resident, you can acquire the DKV health insurance.
- In order to contract the DKV Health Insurance Spain, the first thing you must do is fill out our form located at the beginning of the article. Then, any of our agents will be able to take note of your data and will call you to verify the information you have requested. Afterwards, you will be called again to go through a questionnaire over the phone. It is important to note that our agents will be able to advise you throughout the entire contracting process.
- If your age is between 18 and 75 years, you can contract the DKV health insurance.
- You will be asked for information about your health condition.
- You must indicate the occupation you perform.
What documentation do I need to contract the DKV Health Insurance Spain?
To obtain the DKV Health Insurance Spain, it is important to know that it is essential to provide certain documents to justify your health condition. Therefore, these documents and other requirements are necessary for insurance companies. That is why they must be completed and collected before carrying out the process of contracting a health insurance policy. Now then: What documentation do I need to contract the DKV Health Insurance Spain? Let’s take a look:
1. Indicate name and surname. It is important to provide the name and surname of the person who wishes to obtain the DKV Health Insurance Spain.
2. Photocopy of DNI, NIE or passport of the policyholder. Any of these documents may be used for the processing of DKV Health Insurance Spain, but they must be fully valid. Therefore, if they are expired, they will not be accepted.
3. Have a bank account in Spain.
4. Provide the residential address. In this case, DKV requires this information in order to calculate the premium for the health insurance. Therefore, it is important to provide this information when requesting to contract the DKV Health Insurance Spain.
5. Fill out the health questionnaire. By completing the health questionnaire, DKV can determine whether the person contracting the health insurance suffers from any chronic or pre-existing illness. Also, whether they have any habits such as smoking or alcohol consumption.
What factors influence the price of the DKV Health Insurance Spain?
The DKV Health Insurance and healthcare assistance in Spain offers first-class care to all its clients—both to the policyholder and to the beneficiaries that the insured includes in the policy. However, it is important to know that not all insurances have the same cost, as there are some elements that influence their price. So: What factors influence the price of the DKV Health Insurance Spain? Let’s see them below:
Is it important to have good health to obtain the DKV Health Insurance Spain? Yes, it is valuable to have good health when contracting the DKV health insurance. For this, a medical questionnaire must be completed. This verifies the health status of the contracting person, regardless of age. With this, a medical history is obtained in which it is specified whether they have previous illnesses, surgical interventions, medical treatments, among others.
Can age affect the contracting of the DKV Health Insurance Spain? Yes, it affects significantly. It is known that age is the factor that most influences the calculation of risks. Therefore, the older you are, the more likely illnesses are to occur, and the greater the risk. Now, if you are young, it also influences the cost. This is because if they are babies, the younger they are, the more emergency services they may need.
Do coverages affect the contracting of the DKV Health Insurance Spain? Undoubtedly, they do affect it. Generally, there are products or health insurances in which you may have medical assistance, but they do not cover hospitalization or surgical interventions. In those cases, they are more affordable products. However, there are more complete healthcare insurances that include medical visits, tests, and treatments, as well as surgical interventions and all types of hospitalization. These are generally more expensive.
Can the place of residence affect the price of the DKV Health Insurance Spain policy? Yes, it affects it, because this is a factor that insurance companies usually consider when setting the insurance premium. This is mostly because healthcare costs vary from one province to another.
Does having a medical directory or reimbursement option in the DKV Health Insurance Spain affect the price? Yes, these factors affect the price of the insurance that is contracted. In a health insurance with a medical directory, the insurer offers its clients a list of professionals and medical centers without the need to pay any bill (according to the terms of the contract and without opting for a product modality with copayments). On the other hand, in the case of a reimbursement policy, the insured can choose any center or doctor outside the medical directory that is not arranged by the company. In this case, the insured would pay the bill and later request reimbursement from the insurer.
Does having the Copayment modality in the DKV Health Insurance Spain affect the price? Copayments are a modality where, for a certain amount of money, policyholders must pay when using a specific medical service. Generally, insurers offer health products with copayments to reduce the cost of the insurance. Therefore, the higher the copayment, the lower the cost. In short, yes, it affects the price.
Does the number of people to be insured affect the cost of the DKV Health Insurance Spain? Yes, this element does affect it. This is because some insurers offer discounts for adding multiple insured persons. Generally, this is done in health policies that include coverages and services designed for all family members. In other cases, the policies may be more expensive.
How can I cancel the DKV Health Insurance Spain?
There are many reasons why people who have a contracted health insurance find themselves in the urgent need to cancel it. But, how can I cancel the DKV Health Insurance Spain? Well, canceling the DKV health insurance is a simple procedure. Let’s see what needs to be done:
The DKV Health Insurance Spain contract is for 12 months, but this does not apply only to DKV, as all health insurance companies have the same parameters. Because of this, the health insurance law in Spain states that in order to cancel the DKV Health Insurance Spain, you only need to notify DKV at least one month before the anniversary of the contract date. For example: if your DKV Health Insurance Spain policy, or that of any other health insurance company, ends on December 31, you only need to inform the insurer of your decision not to renew it before November 30.
What is the waiting period for the DKV Health Insurance Spain?
If you obtain the health insurance with its DKV Spain healthcare assistance, you will receive several advantages. Because of this, many people choose it to feel protected in terms of their health. Now, it is important to know that almost all health insurances have waiting periods that must be respected. A waiting period in health insurance is the amount of time you must wait before being able to use certain services or coverages. As this is something that concerns clients, many of them ask: What is the waiting period for the DKV Health Insurance Spain?
We have already indicated that the Waiting Period is the initial period of time during which any pathologies diagnosed in the insured person will not be covered. It generally lasts 30 days for simple illnesses and up to 90 days for more complex pathologies starting from the moment the health insurance is contracted. Accidental emergencies are mostly an exception. However, the exact duration will depend on the type of health insurance you contract, as well as the type of care you require.
On the other hand, waiting periods also serve as a guarantee for insurance companies. This ensures that the client does not subscribe to the health insurance solely to cover a specific need, and once that need is met, cancel the contract.
What exclusions does the DKV Health Insurance Spain have?
Exclusions in a health insurance policy are simply the series of situations or conditions that are not covered by the policy. Therefore, since there are several exclusions in a health insurance policy, it is important to know: What exclusions does the DKV Health Insurance Spain have? Let’s look at the most important ones:
- Hospitalization for social reasons. This applies to patients with functional deterioration, those suffering from chronic illness, or conditions related to aging.
- Transplants, except for bone marrow and cornea.
- Healthcare in the case of pre-existing illnesses and injuries, or even consequences resulting from an accident prior to contracting the insurance.
- Healthcare related to pathologies, accidents, malformations, injuries, or defects caused by: terrorist acts, armed conflicts, nuclear radiation, sports practice, occupational or professional accidents, traffic accidents, among others.
- Cosmetic surgery, meaning reconstructive plastic surgery and refractive surgery such as myopia, hyperopia, and astigmatism, are excluded.
- Healthcare due to negligence as a result of drug addiction, self-harm, alcoholism, substance abuse, suicide attempts, among others.
- The cost and price of pharmaceutical products, except those administered during hospitalization, such as drugs used in chemotherapy. Medications not authorized in Spain are also not covered.
- Voluntary termination of pregnancy. This also includes home births or births assisted through alternative methods.
Can I contract DKV Health Insurance with a serious illness?
When considering taking out a health insurance policy, one of the most common questions is: Can I contract DKV Health Insurance Spain with a serious illness? One of the main factors that may prevent approval for health insurance and access to the DKV Spain medical network is the presence of serious illnesses.
It is well known that insurance companies generally do not approve policies if the applicant has a pre-existing condition or any prior pathology. To determine this, the applicant is required to complete a health questionnaire, in which they must indicate any current or past illnesses. They must also report any injuries or surgical operations they have had that left aftereffects. With this information, the insurance company evaluates the application and the risk posed by that particular client. Therefore, if you suffer from any of these conditions, it may be difficult to contract DKV health insurance in Spain.
In these cases, and due to the high risk it represents for insurers, Article 10 of Law 50/1980, of October 8, on the insurance contract in Spain states that the insurance company will be exempt from paying any compensation in cases where false information is provided on the medical questionnaire regarding the applicant’s health status, thus omitting a serious pre-existing illness.
However, if someone who previously suffered from a serious illness has fully recovered without any serious aftereffects, they may be able to contract DKV Health Insurance Spain, as long as their current condition is verified in advance.
