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Medical Insurance for Fractures: Emergency Care, X-rays, and Surgery
When a fracture is suspected, delay is not an option, and private traumatology bills in Spain can reach thousands of euros. Standard travel insurance often limits clinic choices or requires slow approval processes. We offer policies that serve as a full alternative to the public system: simply go to the nearest hospital in the DKV network and receive immediate care.
Result
Comprehensive emergency traumatology coverage
Suitable for active individuals, athletes, and families. Includes diagnostics, casting, and surgical osteosynthesis.
Price
From €52 to €85 per month
The cost is fixed in the contract based on the insured's age and the chosen hospital comfort level.
Timeline
24/7 assistance
The policy is activated on the day of signing. Access to X-rays and an on-call traumatologist is available immediately with no waiting periods.
In 2026, insurance protocols in Spain require a clear distinction between conservative treatment and complex surgery. For a policy to truly cover all expenses during a fracture, it must meet these criteria:
- Access to 24-hour Emergency Departments (Urgencias) across a wide nationwide network of private hospitals.
- No co-payments for high-tech diagnostic equipment such as MRI or CT scans.
- Full coverage for surgical hardware: titanium plates, pins, and fixation devices.
- Included rehabilitation and physiotherapy programs to restore mobility after the cast is removed.
Tools for solving this problem
DKV Seguros
DKV Integral Élite
- The most extensive list of private clinics available in Spain.
- Zero out-of-pocket expenses for the client (no co-payments).
- Priority scheduling for complex osteosynthesis surgeries.
DKV Mundisalud
DKV Mundisalud
- Freedom to choose any doctor or hospital, even outside the DKV network.
- Reimbursement of up to 90% of medical expenses incurred abroad.
- Perfect for frequent travelers or those who prefer specific world-class specialists.
Мнение агента Many people forget that with a fracture, high-quality rehabilitation is just as vital as setting the bone. In 2026, we recommend choosing policies with unlimited access to physiotherapists, as the standard 10–15 sessions are often insufficient for full functional recovery.
Michael G., Insurance Expert