DKV Top Health — reimbursement and free choice of doctor anywhere in the world
Technical parameters
Cost
Price: calculated individually — by the age of each insured person, their place of residence, the chosen excess and the number of people included in the policy
Frequency: annual, renewed automatically
| General characteristics | |
| Parameter | Value |
| Type of insurance | Mixed: DKV network and free choice with reimbursement |
| Scope under free choice | Worldwide, with residence in Spain of at least 183 days a year |
| Scope within the network | Spain |
| Excess options | None; €600 a year; €1,200 a year |
| How the excess applies | Individually to each member of the policy |
| DKV network | More than 51,000 professionals and 1,000 centres in Spain |
| Medicines and vaccines | Reimbursed on prescription, bought at a pharmacy and of therapeutic use |
| Hospitalisation | Single room with an extra bed for a companion |
| Dental | All services except aesthetic ones |
| Maximum age at contracting | 75 years |
| Lifelong protection | From the third year of the policy |
| Reimbursement outside the DKV network | 100% of costs with no expense limit — except dentistry |
| Dentistry outside the network | Partial reimbursement, 80%, with an annual limit of €9,000 per insured person |
| Dentistry within the DKV network | No payment on your part, with the DKV MEDICARD card, throughout Spain |
| Time to reimburse | Under 7 days; a claim can be filed with a photo of the invoice on the website or in the app |
| Family discount | 7% from four insured persons, 12% from five |
| From the age of 65 | Cover is not reduced |
| Second medical opinion | For serious illness |
| Traffic and workplace accidents | Covered |
| Assisted reproduction | 12-month wait; 6 inseminations, 4 IVF with own gametes, 2 IVF with donation; woman up to 45, man up to 55; inside and outside the network |
| Cryopreservation of semen and ovarian tissue | Before surgery, radiotherapy or chemotherapy |
| Laser refractive surgery | Covered, reimbursed per operated eye, 12-month wait |
| Reconstructive post-bariatric surgery | 36 months, over-18s, within 3 years of the operation, DKV network |
| Acupuncture for pain | Covered, on medical prescription |
| Risk-reduction surgery | Breast and gynaecological cancer, 48-month wait |
| Psychology | Up to 30 sessions a year. Psychotherapy with no session limit |
| Psychiatric hospitalisation | Up to 90 days a year |
| Prostheses | No limit |
| Physiotherapy, rehabilitation and podiatry | No session limit |
| Optical and orthopaedic items | Glasses, contact lenses and orthopaedic aids are reimbursed |
| Special auxiliary aids | Wheelchairs, CPAP machines and others are reimbursed |
| Spa therapy | Up to 20 days of recovery after a hospital stay of at least three days |
| Virtual colonoscopy | 3D, in network centres, as an alternative to the conventional procedure |
| Robotic surgery | Da Vinci — for prostate and kidney cancer |
| Oncology | PET/MRI. Endopredict — genomic platform estimating recurrence risk in breast cancer |
| Orthoptics for children under 10 | Up to 10 sessions a year, €35 per session, on an ophthalmologist’s prescription |
| Speech therapy | Up to 20 sessions per insured person a year |
| Payment-frequency discount | 4% annual, 3% half-yearly, 2% quarterly |
| Maximum age, group policy | 67 years |
| New in 2026 | Lymphatic drainage after cancer treatment — up to 20 sessions a year. Psychology for ASD and ADHD |
| Waiting periods | |
| Surgery, hospitalisation and surgical prostheses | 6 months, except emergencies and accidents |
| High-technology diagnostics: CT and MRI | 6 months |
| Interventional diagnostics without hospitalisation | 6 months |
| Childbirth and caesarean, except premature birth | 8 months |
| Psychotherapy, dentures and maxillary orthopaedics | 6 months |
| Podiatric surgery and biomechanical gait study | 6 months |
| Musculoskeletal lithotripsy | 6 months |
| Proton therapy for paediatric tumours | 8 months |
| Transplants and laser correction of myopia, hyperopia and astigmatism | 12 months |
| Assisted reproduction techniques | 12 months |
| Post-bariatric reconstructive surgery | 36 months |
| Risk prophylaxis | 48 months |
The figures reflect the general conditions of DKV Top Health. Specific cover and limits are set out in the particular conditions and the attached table of benefits; we go through them with the client before contracting.
A policy that does not tie you to a medical network
DKV Top Health works as a mixed system. You can be treated within the DKV network — more than 51,000 professionals and 1,000 medical centres across Spain, where care is covered directly with nothing to pay upfront. Or you can go to any doctor or clinic outside the network, settle the bill and claim reimbursement afterwards.
An important territorial condition
Free choice of doctor extends worldwide, but on one condition: your habitual place of residence must be in Spain for at least six months — 183 days — a year. If you move that residence out of Spain, cover runs to the end of the current policy year and is not renewed.
Care within the DKV network is provided in Spain.
What it covers
Practically all of medicine: specialist consultations, diagnostic tests, hospitalisation and surgery, childbirth and emergencies. Medicines are reimbursed provided they are prescribed by a doctor, bought at a pharmacy, listed in the medicines register and of therapeutic use; vaccines and allergen extracts are included too.
Dental care is covered in full apart from treatments for aesthetic reasons: endodontics, periodontics, orthodontics, fillings, dentures, apicectomies, implants and the diagnostics needed for them. Dental cleanings are covered as often as a doctor prescribes.
Three modalities
Top Health is taken out with no excess, with a €600 annual excess or with a €1,200 annual excess. The excess is the yearly amount of expenditure you bear before reimbursement starts: the higher it is, the lower the premium. One detail matters: the excess applies individually to each member of the policy, not to the family as a whole.
The maximum age at contracting is 75. From the third year of cover, protection becomes lifelong.
Who it suits and who it does not
Top Health makes sense if you move frequently between countries, are used to choosing your own doctors, or want to be able to attend a specific clinic outside Spain. If you live here permanently and the DKV network suits you, you will be paying for a freedom you will not use — in that case a network-based policy is the better choice.
How much is reimbursed outside the network
Outside the DKV network 100% of costs is reimbursed, with no expense limit. That is the main difference between Top Health and ordinary reimbursement policies, where percentages and ceilings apply.
The one exception is dentistry. Outside the network it is reimbursed partially, at 80%, and is subject to an annual limit per insured set out in your policy’s cover table. Within the DKV network dentistry involves no payment on your part: the DKV MEDICARD card is enough, anywhere in Spain.
Invoices are reimbursed in under seven days. A claim can be filed with a photo of the invoice on the website or in the app.
What the other DKV policies do not have
Assisted reproduction with only a 12-month waiting period. Other DKV policies impose 48 months, and Integral, Profesional and Modular do not cover fertility treatment at all — only a discount. Here it is covered both inside the DKV network and outside it through reimbursement of invoices: six insemination attempts, four IVF cycles with your own gametes and two IVF cycles with donated eggs or pre-embryos. The age limit is 45 for the woman and 55 for the man. The usual conditions apply: infertility in the couple, no children in common, fertile age.
Cryopreservation of semen and ovarian tissue for patients about to undergo surgery, radiotherapy or chemotherapy. No equivalent exists in the other policies.
Laser refractive surgery as cover, not a discount. Reimbursed up to a maximum per operated eye, with a 12-month waiting period. In Integral, Profesional, Modular and Mundisalud laser surgery is available only through a DKV Club voucher — a discount paid by the insured.
Reconstructive post-bariatric surgery. Over-18s, 36-month waiting period, within three years of the operation and through the DKV network. No other DKV policy includes it.
Acupuncture for pain treatment. Covered here and also in Residentes and Mundisalud. In Integral, Profesional and Modular it sits among the exclusions, alongside homeopathy and naturopathy.
Risk-reduction surgery in breast and gynaecological cancer, with a 48-month waiting period. Integral, Profesional and Modular have only the narrow version: therapeutic mastectomy of the contralateral breast for BRCA1 and BRCA2 carriers already operated for cancer.
Typical tasks that this policy solves
Agent's opinion