DKV PYMES Mundisalud Classic — any doctor in the world, with costs reimbursed

A policy for a team that does not work only in Spain

Mundisalud Classic is a mixed policy. It works in two ways at once, and the employee chooses the way each time. The first: the ordinary DKV network in Spain. A consultation with a doctor from the network, nothing to pay, and no limits on medical expenses. The second: any doctor and any centre — in Spain or abroad, inside the DKV network or outside it. The employee pays, sends the invoice, and the insurer returns 80% of costs in Spain and 90% abroad. The overall reimbursement limit is €237,000. It is for that second part that this policy is bought. It means the employee does not have to ask whether their doctor works with DKV.

Who needs it

Teams that travel a lot or live partly outside Spain. Companies whose employees are foreign nationals and want to be treated in their own language or by a doctor from their own country. Managers who are not prepared to be limited to a list of clinics. And particularly, anyone who already has a doctor they trust. An ordinary policy requires that doctor to be in the network. Mundisalud makes no such requirement: reimbursement works regardless of who the doctor has an agreement with.

How quickly the money comes back

DKV undertakes to pay reimbursement in under 7 days. A claim can be submitted from a phone, by photographing the invoice in the app. One more commitment worth mentioning separately: cover is not reduced when the insured person turns 65. In this segment that is unusual.

What to understand about the price

This is the most expensive policy in the PYMES range: from €64.60 a month per person and up to €196.25 for those over 59. The gap with Integral is roughly one and a half to two times. You are paying for freedom to choose a doctor and for the policy to work outside Spain. If the team works in Spain and is treated in Spain, nobody will use that freedom and Integral is the more sensible choice. But if people travel or live between two countries, Mundisalud pays for itself on the first trip to their own doctor. Dental cover here works in Spain only — it is the one benefit that does not travel.

The larger the team, the softer the acceptance terms

This does not exist in individual policies, and it is the reason it sometimes pays to wait and take out cover not for three people, but for sixteen. DKV relaxes the health assessment as the number of insured grows: The difference is considerable. In a group of 26, an employee with a chronic condition joins the policy with no health questionnaire at all — something they would not have obtained on their own, or would have obtained with an exclusion for their own diagnosis. For groups of 26 and above, the premiums in the table are indicative: the insurer prices the policy specifically for the actual composition of the group.

Tax: why this beats a pay rise

The policy produces two distinct effects here, and it is important not to confuse them. For the company, employees' premiums are a staff welfare expense that reduces the corporate tax base in full. For the employee, insurance paid for by the employer does not count as a benefit in kind up to 500 € a year per person, or 1,500 € where the person has a disability. The limit is counted for each individual — the employee, their spouse and each child — and there is no overall family cap. Hence the simple arithmetic: a pay rise is subject to income tax and social security, and insurance within the limit is not. The company spends less and the employee receives more. The full breakdown with links to the legislation is on the tax relief page.

What else is included

Medical care for domestic, road and workplace accidents. Psychotherapy: 20 sessions a year, 40 in cases of eating disorders, bullying at school, cyberbullying, workplace stress and gender or domestic violence, and 40 for everyone under 24. Podiatry, physiotherapy and rehabilitation with no limit on sessions. Broad transplant cover. Second medical opinion. Oncology: PET/MRI, 3D mammography, the Endopredict genomic platform for breast cancer, oncoplastic breast reconstruction, and Da Vinci robotic surgery for prostate and kidney cancer. Pregnancy care, 3D/4D ultrasound and non-invasive prenatal screening in high-risk pregnancies. Genetic testing for coeliac disease for people with symptoms and altered serological markers. Monofocal, multifocal and toric intraocular lenses in cataract surgery. Reimbursement of vaccines outside the official schedule, up to €50 per vaccine and €150 a year. Reimbursement of orthoptics for children under 10 on an ophthalmologist's prescription, up to 10 sessions a year at €35 a session. Speech therapy up to 20 sessions a year. Respiratory rehabilitation: 10 sessions for children under 10 and 3 for everyone else.

What to know before taking out the policy

The premiums in the table are per insured person per month, for 2026, in groups of 3 to 15 people. The volume discount is already applied at each tier, as is the 20% campaign discount for 2026 — the figures in the table are final. Barcelona and the Balearic Islands have their own rates: they are worked out in the same system by entering the company’s address. The policy can be taken out up to age 67. Age is counted at the date the contract takes effect. Companies and self-employed people with staff evidence the headcount with the TC2 form. Self-employed people without staff need only their latest contribution receipt. Rates are reviewed once a year, at renewal.

How it differs from the other PYMES policies

Mundisalud Classic is the most expensive policy in the range, and the only one that works outside Spain through reimbursement of costs. DKV PYMES Integral covers the same ground but only through the DKV network in Spain, and costs about half as much. If the team is treated in Spain, it is the more sensible choice. DKV PYMES Especialistas Élite is the most economical option: specialists and diagnostics, without general medicine or hospital. An overview of the whole range is on the DKV PYME page for the self-employed and small business.