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DKV Top Health®, a unique health insurance on the market that gives you access to the best private medicine in the world, with everything you need for your health. Reimbursement insurance, which means that if you choose a doctor or a centre that has not been agreed, DKV will reimburse 100% of the bill as soon as possible, in less than 7 days.

Insurance with free choice

of doctor Top Health®

Top Health®

With this Top Health® insurance, you can go to doctors and centres approved by DKV. And at the same time, it gives you access to any doctor or centre in the world with full reimbursement, even if they are not contracted. DKV will reimburse the invoice amount in the shortest possible time, within 7 days at the most. With full coverage and the best specialists and centres in the world. The most comprehensive health insurance with 100% reimbursement of medical expenses.


Most importantly, diagnostic tests, consultations and surgical procedures with no waiting lists. In addition to being able to choose the doctor or centre you want to see in any country. This means complete freedom to choose your doctor, specialist or medical centre. Access to the best and most innovative medical centres in the world with 100% coverage, without limits or co-payments.

Management of entitlements, recruitment and reimbursement procedures via the web or through the app. Hospitalisation in a single room with no limit on days or cost, with a bed for the accompanying person. Health care in case of traffic and work accidents. And of course, full reimbursement of bills in less than 7 days.

Every insurance policy should start with a commitment. Health is not only different for each of us. It also changes over time. So it makes sense to review your insurance regularly and assess whether it is still fully adapted to your current needs.

  • Highest age on the market: up to 75 years in individual insurance.

  • DKV will not increase the price for your insurance use.

  • DKV undertakes not to terminate the contract after the third year.

  • Because the health of your family is important to us, take advantage of the discount of 7% for 4 policyholders or 12% for 5 or more.

  • You get an additional discount of 7.5% per year if you make an annual payment.

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"I want insurance that gives me access to the best doctors and facilities in the world, without restrictions or co-payments."

The following benefits are included:

Access to all doctors and centres worldwide

Both in Spain and in the rest of the world, you can go to any centre, regardless of whether or not it is part of DKV's medical directory.


100% reimbursement

No limit on costs, except 80% in dentistry.


Primary care

General medicine, nursing, paediatrics, emergencies, outpatient clinics, medical emergencies 24h, analysis . . .


Direct access to all specialties

Cardiology, dermatology, neurology, traumatology, gynaecology, oncology, etc. . . . and diagnostic and therapeutic tools: Ultrasound, MRI, CT, radiotherapy, lithotripsy, etc.



Unlike other health insurers in the industry, yours includes dental services.


Operations and hospitalisation

Oncological and kidney treatments, among others, operations, hospital stays (also intensive care and pregnancy-related), prostheses and much more!


Pharmacy insurance

DKV will reimburse you 100% of the cost of medicines prescribed by your doctor.


Prosthesis included

No limit!


Reimbursement of vaccines

Rotavirus, chickenpox, HPV rescue, B-Bexsero meningitis. . . DKV reimburse 100% of the cost of vaccines.


Second medical opinion

If you want to challenge the diagnosis of a serious illness and need a second medical opinion, you can count on it.


Podiatry, physiotherapy and rehabilitation

Podiatry, physiotherapy and rehabilitation with no limit on sessions.


The latest technology at your fingertips

Access the latest innovations in the world of healthcare, such as 3D mammography, robotic surgery or Endopredict.


Psychology and psychotherapy

Up to 30 sessions/year and no limit on psychotherapy sessions.


Reimbursement of medical aids

Reimbursement of special aids such as wheelchairs, CPAP, etc.


Respiratory rehabilitation

Respiratory rehabilitation for chronic obstructive pulmonary disease and after coronavirus infection or COVID-19.


Analysis and physiotherapy at home

In level of care 3 situations covered by own resources.

Benefits included

Reimbursement in less than 7 days

DKV reimburses the invoice amount in the shortest possible time, within 7 days at the most. You can also request reimbursement directly via the website or app with a simple photo.


Medical phone lines

Specialised telephone care in the areas of paediatrics, childhood obesity, nutrition, pregnancy, women, tropical, sports and psycho-emotional.


The doctor on your mobile phone

  • Check your symptoms and share them with a doctor.

  • Video consultation and chat to have a doctor's office with a doctor wherever you are: General medicine, paediatrics, gynaecology, dermatology, traumatology, psychology, endocrinology, allergology, digestion, cardiology, psychiatry, rheumatology, pain management, pneumology, neurology, angiology, general surgery, otorhinolaryngology, and with more consultation hours!

  • Electronic prescription to go directly to the pharmacy without going to the doctor.

  • Request analytical and imaging tests, results and medical reports in the health folder .

  • Keep all your medical reports, diagnostic tests and analyses in your digital health folder.

  • Solve your doubts during pregnancy, postpartum and breastfeeding with the digital midwifery service.

  • Coach: talk to a specialised professional to incorporate healthy habits into your daily life, such as quitting smoking, losing weight or improving physical activity.

  • Free and unlimited service.


Assisted reproduction


Includes nutritionist

Nutritionist Up to 20 sessions/year for obesity treatment and control.


Spa and thermal water

We cover up to 20 days of spa and thermal water to support your recovery after hospitalisation.


Biomechanical examination of walking

Biomechanical examination of walking at Podoactive centres every 5 years for adults and every 2 years for children under 15.


Reimbursement of optical and orthopaedic costs

100% reimbursement of optical and orthopaedic costs such as glasses, contact lenses, crutches. . .


Prevention programmes

Numerous prevention programmes including: Child Health, Healthy Pregnancy and Childbirth, Prevention of Coronary Risk, Women's Cancer, Prostate Cancer, Stroke, Colorectal Cancer, Diabetes, etc. New is the cervical cancer prevention programme for women aged 25-65 and high risk human papillomavirus (HR-HPV) testing.

Waiting times

The benefits of DKV Top Health® can be enjoyed from day one. Only the following benefits have waiting periods:


  • Hospitalisation and operations (including prostheses): 6 months.

  • Footprint examination: 6 months

  • Births, except premature births: 8 months

  • Transplants: 12 months

Contract modalities

The excess is the amount from which DKV coverage starts. There are three modalities in DKV Top Health:


  • Without excess

  • With an excess of 600EUR

  • With an excess of 1.200EUR

Download the documents

Conditions of contract Top Health

This document will help you to know in detail each of the coverages, exclusions and exclusion periods, and always using clear language with additional explanatory information.

Insurance information Top Health

DKV Top Health guide

Information leaflet DKV Top Health

Top Health insurance basics

Main features of DKV health insurance policies

DKV Top Health application form


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