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DKV Mundisalud - Top Health

Special Campaign! Private health insurance 25% Discount !

Reimbursement
The European leader in health insurance provides the most comprehensive health insurance products for you and your family.

* DKV Mundisalud
Complet
PlusClassic and Elite; four types of policy with the same coverage and benefits, but with specific terms adjusted to the needs of the insurer.

* DKV Top Health
The only health insurance policy that refunds 100% of my expenses. Anywhere in the world. Because there are people who wish to put neither limits nor barriers on their health.

* DKV Residentes
Specifically for foreign residents in Spain.
 Guarantees quality health care to older people.

1. DKV Mundisalud
Want to know more about DKV Mundisalud refund insurance? 

If I can choose, I feel free
With DKV Mundisalud health insurance you choose the doctor you see or the hospital you attend, either associated or not.

What does it offer?

  • Primary care
  • All specialities and diagnostic procedures
  • Surgical procedures and hospitalisation
  • No contribution for medical treatment
  • Refund of medical expenses if you choose a non-associated centre
  • 90% Reimbursement of expenses for doctors or clinics in Spain and abroad
  • Reimbursement for vaccine costs
  • Reimbursement of pharmacy costs
  • Network of clinics in the USA
  • FREE dental service
  • Psychology
  • Emotional support helpline
  • Commitment to refund expenses in less than 7 days
  • DKV Health and Wellbeing Club discounts

!! New for 2018 !!

  • Digital Doctor, the app that allows you to have a doctor in your pocket to make video consultations about your symptoms at any time and from anywhere.
  • Extension of daily hospitalization limits.
  • Reimbursement of meningitis B (Bexsero) and human papillomavirus (HPV) vaccine in children.
  • Increase to 40 sessions of psychotherapy for costs of school harassment and gender or family violence.
  • Expansion of PET / CT coverage.
  • Reimbursement of bank maintenance costs for umbilical cord stem cells.
  • Early diagnosis of diabetes.
  • Early diagnosis of galucoma.

Terms and conditions and use

  • Take out cover up to the age of 75
  • If you pay annually you'll received a 7.5% discount
  • Discounts for families:
    7% if there are four insured parties.
    12% if there are five or more insured parties.
  •  Non-cancellation of policy pledge from the third year
  • All coverage can be used from the first day, except:

Hospitalisation and surgical procedures (including prostheses): 6 months
Childbirth (except for premature deliveries): 8 months
Transplants: 12 months

Types of product

  • Choose the type the suits you best, from: Complet, Bonus, Classic and Élite

2. DKV Top Health

DKV Top Health breaks the barrier of the conventional private insurance as it includes new services, which in some cases even exceed those offered by the Social Security.

With DKV Top Health policy, you will receive:

General Medicine
Emergencies
Medical and surgical specialities
Diagnostic aids: clinical, anatomopathological and smear tests
Hospitalitsation
Medicines
Assisted Reproduction
Transplants
Therapeutic methods: Aerosol therapy, Oxygen therapy and ventilation therapy
Spas
Auxiliary curing aids: orthopaedic pieces, lenses...
Surgery for myopia
Dental care

Preventive Medicine:

Infant health
Gynaecological cancer
Prevention of heart disease
Colorectal cancer
Prostrate cancer and Dental health

Alternative therapies*:

Homeopathy
Acupuncture
Quiromassage…
(Services not covered by the Social Security or by conventional private insurances)

3. DKV Residentes

Contracting options:
The flexibility of the product permits you to choose between three application options:

Basic coverageHealth care in Spain: reimbursement of 100% for non-associated centres and use of associated centres.
Medication: 300€/year
Auxiliary means: 1,800€/year
Dental service:Available in associated centres with a payment system.
In non-associated centres: Reimbursement 80% (3,000€/year certified centres + non-associated centres)

Best Care?

This is a medical care service in Germany provided by prestigious specialists for specific serious illnesses. 
DKV organises appointments, hospitalisation and surgery in a maximum of five days if medical reports are written in German or English. It also includes compensation of 500€ and another 500€ in the event of non-fulfilment of this term.

Special coverage
Medication: 300€/year
Odontology
Surgical prothesis
Homeopathy: visits and/or sessions maximum of 50€
Auxiliary treatment for dressings and orthopaedic material
Special auxiliary means: wheelchair, oxygen aparatus, guide dogs, etc.

Contracting options

Basic coverage:

Health care in Spain: reimbursement of 100% for non-associated centres and use of associated centres

Medication: 300€/year
Auxiliary means: 1.800€/year
Dental service: Available in associated centres with a payment system

In non-associated centres:

Reimbursement 80% (3.000€/year certified centres + non-associated centres)

Basic coverage + repatriation: This also includes, in the event of the decease of the insured person, transfer to the international airport nearest to the place of burial place in Germany (maximum of 6,000€).

Basic coverage + repatriation + Best care: The Best Care service guarantees medical care in Germany by prestigious specialists for the diagnosis of certain serious illnesses. Including 100 days/year of coverage in Germany.

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