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Insurance coverage for ligament surgery and arthroscopy
Knee or shoulder injuries require expensive interventions that can cost thousands of euros in Spain's private clinics. Standard travel insurance does not cover planned surgeries, and the public health system involves long waiting lists. We provide insurance solutions that fully cover arthroscopy and rehabilitation at no extra cost to you.
Who is it for?
Perfect for athletes and active individuals. Coverage includes MRI scans, surgical fees, and hospital stays for meniscus or ACL tears.
What is the cost?
A comprehensive policy with access to elite orthopedic surgeons costs between €55 and €85 per month. This is significantly cheaper than paying for surgery out of pocket.
How fast is the result?
Immediate access to diagnostics and specialist consultations. Surgery approval typically takes 48 to 72 hours once the waiting period has been served.
In 2026, insurance companies have implemented stricter protocols for high-tech medical procedures. To ensure your ligament surgery is approved, the policy must meet these criteria:
- Access to a wide network of specialized sports medicine centers.
- No additional co-payments for arthroscopic equipment usage.
- Inclusion of extended post-operative rehabilitation in the contract.
- Full coverage for surgical implants and fixation materials.
- Minimal waiting periods for planned surgery when switching from another provider.
Tools for solving this problem
DKV Seguros
DKV Integral Élite — Premium Health Insurance in Spain
- Unlimited access to the best orthopedic surgeons in Spain.
- Full coverage for arthroscopic procedures with no hidden fees.
- Instant digital authorization for diagnostic tests via app.
DKV Mundisalud
DKV Mundisalud — International Health Insurance with Worldwide Coverage
- Complete freedom to choose any hospital or doctor worldwide.
- Reimbursement of up to 90% for services outside the medical network.
- Priority scheduling for MRI and CT scans for fast diagnosis.
Мнение агента Watch out for waiting periods. If the injury occurs before the policy starts, it will be treated as a pre-existing condition. In 2026, we help clients manage their claims correctly to ensure arthroscopy coverage is secured without legal hurdles.
Michael G., Insurance Expert