DKV Selección — the budget policy with no age limit and no co-payments when paid annually
Technical parameters
Cost
2026 rates, annual premium per insured person:
up to 49 — €468.86 · 50–64 — €826.10 · 65–75 — €1,172.16 · from 76 — €1,629.86
Payment: the first payment is always for the full year
Term: 365 days, taking effect on the first day of the month
| General characteristics | |
| Parameter | Value |
| Medical network | Joint DKV — Unión Médica La Fuencisla network |
| Age limit at contracting | None |
| Primary care | General medicine and 24-hour emergency care |
| Specialists | Included |
| Diagnostics and therapeutic methods | Included |
| Hospitalisation and surgery | Included |
| Additional cover | Health and prevention programmes, psychology, daily hospitalisation allowance, travel assistance |
| Travel assistance | Worldwide, with residence in Spain and absences of no more than 60 consecutive days |
| Co-payment per medical act | €3 per act — removed entirely if the policy is paid annually by bank transfer or if it covers 4 or more insured |
| For a residence permit | The co-payment-free set-up qualifies: annual payment by transfer, or 4 insured and above |
| Surcharge for instalments | 7.5% monthly, 4.5% quarterly, 2.5% half-yearly |
| Travel assistance | Up to €15,000 per insured per claim, trips of up to 60 consecutive days |
| Start date | Chosen by the client, no more than 30 days ahead; the policy begins on the 1st of the month |
| From the age of 75 | A medical report is required if the health declaration is left blank |
| Areas where the network operates | |
| Islands | Canary Islands, Balearics |
| Centre | Madrid and Guadalajara |
| East | Valencian Community, Alicante and Murcia |
| South | Central Andalusia, Extremadura |
| North and north-west | Aragón, Asturias, Galicia, León |
Rates reflect the 2026 conditions and are reviewed annually at renewal. Cover, limits and the list of centres are set out in the particular conditions of each policy; we go through them with the client before contracting.
The most affordable policy that still works for the paperwork
Selección runs on its own medical network: not DKV's general one, but the network jointly arranged by DKV and Unión Médica La Fuencisla. That is precisely why it costs noticeably less than the rest, while keeping the two features most often required for a residence application: no upper age limit at contracting and no co-payments — the co-payment is removed by paying annually by bank transfer, as explained just below.What it costs
2026 rates, annual premium per insured person: up to 49 years — €468.86; 50 to 64 — €826.10; 65 to 75 — €1,172.16; from 76 — €1,629.86. The first payment is always made for the full year. The policy runs for 365 days and takes effect on the first day of the month. The absence of an age ceiling deserves separate mention: finding health cover in Spain past seventy is not straightforward, and here there is simply no upper limit.How the payment method decides the co-payment and the residence permit
This is one of those cases where the way you pay changes the cover itself, and it is worth knowing before you sign.
By default the policy carries a co-payment: €3 for each medical act. You can pay monthly, quarterly, half-yearly or annually, but paying in instalments adds a surcharge: 7.5% monthly, 4.5% quarterly and 2.5% half-yearly.
The co-payment disappears entirely in two cases: if the policy is paid annually by bank transfer, or if it covers four insured people or more.
That has a direct consequence for paperwork. A residence permit requires a policy without co-payments, so it has to be paid annually by transfer or taken out for four people or more. Monthly payment leaves you with a co-payment policy, which will not do for residency. We talk this through before you sign, because once the file has been submitted there is no room to redo it.
What it covers
Primary care and 24-hour emergency care. Specialist consultations. Diagnostics and therapeutic methods. Hospitalisation and surgery. In addition: health and preventive medicine programmes, psychology, a daily allowance during hospitalisation, and medical assistance while travelling.The main limitation is geographical
The medical network does not cover the whole of Spain. Care is provided through the DKV network arranged in the relevant province. The network currently comprises: the Canary Islands, the Balearics, Madrid and Guadalajara, the Valencian Community, Alicante and Murcia, central Andalusia, Aragón, Asturias, Galicia, León and Extremadura. If you live in one of those areas, the limitation does not affect you. If you are going to live elsewhere, this policy does not fit and we will find you another. This is a condition of taking out the policy, not a recommendation. If your home address, or the address given in your application, falls outside the covered area, the policy cannot be issued — the system simply will not accept it. The check is made against the specific address rather than the region: in Tenerife, for example, the policy is only issued with an address in the north of the island; with a southern address it will not go through. In Barcelona and in Catalonia generally, Selección is not written — and you would not be able to use it there either. If the address does not fit, we find you another policy: there is no shortage of options that work throughout Spain. Travel assistance works worldwide, provided your habitual residence remains in Spain and you are not away for more than 60 consecutive days a year.For those over 75
Selección has no upper age limit for taking out the policy. That is rare: DKV’s other policies cap the individual contract at 75.
Put that together with how the co-payment works here. A policy paid annually by transfer comes without co-payments, and that is exactly what a residence permit requires. The result is a combination that barely exists elsewhere: someone over 75 can take out a co-payment-free policy that is valid for a residency application.
It is most often needed when the children already live in Spain and bring their parents over. One caveat: from the actuarial age of 75, with a blank health declaration, the insurer will ask for a medical report.