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If your insurance is a reimbursement policy, you are free to choose the doctors and medical centres of your choice, even if they are not included in DKV's medical directory (care network). Take care of your health with the certainty of being treated anywhere in the world without having to worry about medical bills.


Insurance with

free choice of doctor


The Mundisalud insurance includes DKV's list of doctors (so you would not have to pay anything to the doctor if you used him). In addition, Mundisalud insurance gives you the option of visiting any medical centre that is not contracted, both in Spain and in the rest of the world. You have the peace of mind that, in the event of an unforeseen event, you will have the most innovative means and the best possible technology at your disposal. And it is certainly the best option for foreign residents, e.g. English-speaking residents who do not have a sufficient command of the Spanish language.


After you have paid the doctor or medical centre directly for the medical service provided, you can request reimbursement directly via the customer area or the DKV reimbursement app with a simple photo. The invoice amount will be credited to your bank account within a very short time, maximum 7 days. The amount of reimbursement (between 80% and 90% of the total costs) depends on the type of Mundisalud insurance you have taken out. DKV Insurance will reimburse your costs according to the percentages and limits set out in the specific conditions of your insurance.

The reimbursement limit, i.e. the maximum amount per insured person per year that is reimbursed, makes the difference between the main forms of Mundisalud insurance:

DKV Mundisalud Complet

Total limit: 62.000 EUR

DKV Mundisalud Classic 

Total limit: 237.000 EUR

DKV Mundisalud Elite

Total limit: 310.000 EUR

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

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

  • We 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 will receive an additional discount of 7.5% per year if you make an annual payment.

The following benefits are included:

Access to all doctors and centres worldwide

In Spain and the rest of the world, you can visit any centre that is not contracted and you will be reimbursed between 80 and 90% of the total cost.

More than 40.000 doctors and 1.000 medical centres

You can go to the doctors and centres that are part of DKV's medical network in Spain with 100% coverage.

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 sector, yours includes dental services.

Operations and hospitalization

Oncological and kidney treatments, etc., operations, hospitalisation (including intensive care and pregnancy-related), prostheses and much more! Pharmacy insurance. DKV reimburse 50% of the cost of medicines prescribed by your doctor, up to a maximum of 100€ per customer per year.

Vaccine reimbursement

Rotavirus, HPV rescue, B-Bexsero meningitis vaccinations. . . , we will reimburse you up to 50€ per vaccine with a total limit of 150€ per customer per year.

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.

Always covered, in case of an unforeseen event

If you suffer an accident at work or on the road, don't worry, we'll help you too.

Podiatry, physiotherapy and rehabilitation

No limit to the number of sessions!

3D/4D ultrasound

High-quality ultrasound image that allows you to see your baby in 3D/4D and in motion.


20 sessions/year and 40 for eating disorders, bullying, cyberbullying, workplace stress and gender or family violence.

Respiratory rehabilitation

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

Analysis and physiotherapy at home

In level 3 care 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 telephone lines

Specialised telephone care in the areas of paediatrics, childhood obesity, nutrition, pregnancy, women, tropics, 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

Cover available for Mundi Classic, Elite and Premium.


Lens for cataract treatment

Monofocal, multifocal and toric intraocular lens in cataract surgery Orthotics for children.


Orthoptics for children

Reimbursement of costs for the treatment of ocular misalignment or strabismus in children under 10 years of age (up to 10 sessions/year).


Comprehensive prevention programmes

Free advice on child health, healthy pregnancy and childbirth, prevention of coronary risks, women's cancer, prostate cancer, bowel cancer, diabetes and stroke. The cervical cancer prevention programme for women aged 25-65 and human high-risk papillomavirus (HR-HPV) testing is included as a new feature.


Access to the Health & Wellness Club

You have access to your entire catalogue of health and wellness services with discounts. Aesthetic services, capillary prostheses for oncological processes, surgery for ageing and myopia, nutrition, sports medicine, and home care for the elderly, children and nursing homes.

Waiting times

The benefits of DKV Mundisalud can be used from day one. Only the following benefits have waiting periods:

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

  • Foot examination: 6 months

  • Births, except premature births: 8 months

  • Transplants: 12 months

DKV Mundisalud Leaflet

Find out everything your health insurance has to offer: coverage, additional services, digital health and prevention programmes.


Information of the DKV Mundisalud Insurance Policy

Check the information document about the insurance product.


Terms and conditions

We offer you an insurance for life, as we do not cancel the insurance after the third year, we do not increase the price for the use you make of it and you will also have a saving for an annual payment or for including your family. Find out all the details of cover and conditions before taking out the policy.

Main features of DKV health insurance policies

DKV Mundisalud Guide

Information leaflet DKV Mundisalud

DKV Mundisalud application form

Download the documentation


DKV Mundisalud Complet


Mundisalud Complet

"I am looking for insurance that will protect me in my country of residence and wherever I go."
  • You have access to all doctors and centres worldwide.

  • Global limit:  62.000 EUR

  • Reimbursement in Spain: 80%

  • Reimbursement abroad:  90%

  • Reimbursement of bills in less than 7 days

  • Dental cover included.

  • Unlimited general and specialist consultations, by chat, call or video call.

DKV Mundisalud Classic


Mundisalud Classic

"I need health insurance that fits my lifestyle and work."
  • You have access to all doctors and centres worldwide.

  • Global limit:  237.000 EUR

  • Reimbursement in Spain: 80%

  • Reimbursement abroad:  90%

  • Medical treatment for traffic accidents and accidents at work.

  • Coverage for artificial insemination included.

  • Unlimited medical consultations with general practitioners and specialists, via chat, call or video call.

DKV Mundisalud Elite


Mundisalud Elite

"I need insurance that takes care of mine, no matter when, how or where."
  • You have access to all doctors and centres worldwide.

  • Global limit:  310.000 EUR

  • Reimbursement in Spain: 90%

  • Reimbursement abroad:  90%

  • Unlimited hospitalization.

  • Care during pregnancy and birth.

  • Reimbursement of pharmacy and vaccination costs.

  • Unlimited medical consultations with general practitioners and specialists, by chat, call or video call.

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