DKV Personal Doctor — your own doctor, not a directory
Technical parameters
Price
Price: depends on the modality and on the co-payment level chosen
Term: annual, renewed automatically
| General features | |
| Type of cover | Private healthcare with a personal doctor who follows the client continuously |
| Two modalities | Personal Doctor — without hospitalisation. Personal Doctor Premium — with hospitalisation and surgery |
| Co-payment levels | None, low, medium and high. The higher the co-payment, the lower the premium |
| Personal doctor | Chosen by the client. Keeps your medical history, refers you to specialists and prescribes tests and medication |
| Personal paediatrician | If children under 15 are included in the policy |
| If your doctor is unavailable | Their team answers, around the clock |
| Administrative assistant | Handles authorisations, appointments and changes of personal doctor |
| Medical network | More than 51,000 doctors and 1,000 centres. Access is guided by your personal doctor: concrete options rather than a directory |
| Primary care | General practice, paediatrics, nursing and 24-hour emergencies |
| Specialists | Cardiology, dermatology, neurology, orthopaedics, gynaecology, oncology and many more. In person or by video call |
| Diagnostic imaging | Ultrasound, MRI, CT, oncological radiotherapy, lithotripsy |
| Hospitalisation and surgery | Only in the Premium modality |
| Dental cover | Included at no extra cost: more than 50 free treatments, the rest at reduced prices |
| Travel assistance | Up to 180 days, capped at €30,000 |
| Hospitalisation allowance | When the costs are not borne by DKV: €80 a day, up to €2,400 a year |
| Physiotherapy, rehabilitation and podiatry | No session limit |
| Road and workplace accidents | Covered |
| Preventive care | The plan is proposed by your personal doctor from your history, not a standard programme |
| App | Chat and video call with your doctor, medical history, appointment calendar, e-prescriptions and pharmacy support chat |
| Maximum age at contracting | 75 for an individual policy, 67 for a group one |
| Lifelong cover | From the third year |
| Discount by number insured | 7% from four, 12% from five |
| New in 2026 | Lymphatic drainage after cancer treatment — up to 20 sessions a year. Psychology for ASD and ADHD |
| Waiting periods | |
| Emergencies | No waiting period |
| Outpatient surgery in groups 0, I and II | 6 months, except in emergencies |
| CT, MRI, shockwave therapy, interventional diagnostics | 6 months |
| Psychotherapy | 6 months |
| Podiatric surgery and biomechanical gait study | 6 months |
| Surgery in groups III to VIII, hospitalisation and prostheses | 8 months, except in emergencies |
| Childbirth and caesarean, other than premature | 8 months |
| Proton therapy for paediatric tumours | 8 months |
| Transplants | 12 months |
| HIV/AIDS care | 12 months |
Figures taken from the DKV Personal Doctor product sheet, November 2025. The specific cover and limits are set out in the particular conditions of your policy — we go through them with the client before signing.
A doctor who knows you
With a traditional policy you are handed a directory and left to work out whom to see. DKV Personal Doctor works the other way round: you choose a personal doctor, and from then on they follow you continuously — they know your history, refer you to the right specialist and keep track of what happens to you.
It is essentially the old family doctor, but with an app, video consultations and a network of physical centres behind it.
Who is on the team
The personal doctor. You choose them. It starts with a welcome call in which they ask about your health and make an initial assessment. From there they keep your history, prescribe tests and medication, refer you to specialists in person or online, propose a prevention plan and come back to you on their own initiative rather than waiting for you to call.
The personal paediatrician, if children under 15 are on the policy. Same principle: one doctor who knows the child.
The administrative assistant. This is what ordinary policies do not have. They request authorisations, arrange appointments and handle a change of doctor. Everything that usually costs time and patience goes to them.
The doctor’s team, around the clock. If your doctor is unavailable, their team answers — not an anonymous call centre, but the same group of professionals.
How it differs from an ordinary DKV policy
The network is the same — more than 51,000 doctors and 1,000 centres, exactly as in Integral. The difference is how you reach it.
With Integral you browse the whole directory and choose. With Personal Doctor your doctor gives you concrete options for your case: they know your history and know who is worth referring you to.
Prevention differs too. Ordinary policies offer standard programmes, the same for everyone. Here the plan is proposed by your doctor, based on what they see in your record.
Two modalities, and the difference matters
Personal Doctor covers primary care, specialists and diagnostics. It does not include hospitalisation or surgery.
Personal Doctor Premium adds hospitalisation and surgical procedures.
That is the first thing to settle: if you want protection against serious illness or an operation, the basic modality will not do. Separately you choose the co-payment level — none, low, medium or high. The higher the co-payment, the lower the monthly premium.
What else is included
Dental cover is included at no separate cost: more than 50 free treatments, the rest at reduced prices. Travel assistance abroad for up to 180 days, capped at €30,000. Physiotherapy, rehabilitation and podiatry with no session limit. Road and workplace accidents are covered.
If you are admitted to hospital and the costs are not borne by DKV, the policy pays €80 a day, up to €2,400 a year.
From 2026 it adds lymphatic drainage after cancer treatment — up to 20 sessions a year — and support for autism spectrum disorder and ADHD.
Waiting periods
Emergencies from day one. Six months for outpatient surgery in groups 0, I and II, CT and MRI scans, shockwave therapy, interventional diagnostics and psychotherapy. Eight months for surgery in groups III to VIII, hospitalisation, prostheses and childbirth. Twelve months for transplants and HIV care.
Who it suits, and who it does not
People take out this policy when they would rather not hunt for a doctor themselves: families with children, people living away from urban centres, foreigners who find the Spanish health system hard to navigate, and anyone who simply does not want to deal with paperwork.
Honestly, the drawback: it costs more than an ordinary policy, and that is the main reason people turn it down. You are paying for the guidance — for someone to think about your health between appointments. If you see a doctor rarely and are used to choosing for yourself, that premium buys you nothing: an Integral will cost less and cover the same ground.
It can be taken out up to age 75 individually and up to 67 on a group contract. From the third year the cover becomes lifelong.
Typical situations this policy solves
I suggest Personal Doctor when I can see that someone is lost inside the system. Some have just moved and do not understand how things work here. Some have a small child and every question feels urgent. Some live away from the city and would rather not drive an hour for a certificate.
The value here is not in the cover — that is the same as an ordinary policy — but in having your own doctor and someone who deals with the paperwork for you.
But I always flag two things. First: the basic modality does not cover hospitalisation or surgery; for that you need Premium. Second: it costs more. If you see a doctor a couple of times a year and are comfortable choosing for yourself, it is fairer to take Integral — the same cover, less to pay.