Insurance for Joint Replacement and Prosthetics

Many people mistakenly believe that private insurance in Spain only covers doctor visits and blood tests. When it comes to expensive, high-tech surgery like a hip or knee replacement, it is critical to have a policy that fully pays for both the surgical team and the latest generation of prosthetic implants.

Result

Full surgical coverage

Suitable for elective joint replacements due to arthritis or degenerative changes. Top-tier manufacturer prosthetics are included.

Price

From €60 to €140 per month

The final cost depends on the insured's age and whether the global hospital choice option is included.

Timeline

The waiting period is 6–8 months

This is the standard timeframe in 2026 before the insurance company assumes all hospitalization costs.

In 2026, insurance protocols in Spain have become stricter regarding pre-existing conditions. If a diagnosis is made before the contract starts, the company may exclude that specific surgery. Therefore, the logical solution is to secure a high-tier policy preventatively.

Zero co-payments for hospitalization and surgical materials.
Prosthetic costs included within the overall coverage limit.
Access to specialized orthopedic centers and rehabilitation.
The option to choose world-renowned surgeons via a reimbursement scheme.

Tools for solving this problem

DKV Seguros

DKV Integral Élite

100% coverage of hospital expenses within the DKV network.
Payment for high-quality prosthetics with no hidden fees.
Access to the most advanced robotic surgery systems in Spain.

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DKV Mundisalud

Freedom to choose any hospital or surgeon anywhere in the world.
Reimbursement of up to 90% for out-of-network medical expenses.
Premium service and an extended post-operative recovery program.

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Мнение агента

When choosing a policy for a future joint replacement, always check the clause regarding the cost of the implant itself. Some budget companies cover the surgery but leave the patient with the bill for the prosthesis—which can cost thousands of euros. We select contracts where such surprises are completely eliminated.

Michael G., Insurance Expert