DKV Top Health — premium insurance with worldwide expense reimbursement
Technical parameters
Cost
Cost: Calculated individually by age and area
Period: monthly / three deductible options to choose from
| General Category Characteristics | |
| Parameter | Value |
| Type of insurance | Private healthcare with expense reimbursement |
| Payment format | Free choice of doctor and clinic with up to 100% reimbursement under the policy conditions |
| Geographic coverage | Spain and abroad in line with the programme’s conditions |
| Enrollment age | Up to 75 years individually |
| Dentistry | 80% reimbursement up to €9,000 per insured per year |
| DKV Top Health Specifications | |
| Parameter | Value |
| Medical expense reimbursement | Up to 100% of medical expenses in Spain and abroad under the policy conditions |
| Deductible options | No deductible, or a deductible of €600 or €1,200 per year |
| Pharmacy and vaccines | Reimbursement of medication and vaccine costs under the policy conditions |
| Assisted reproduction | Up to 6 insemination attempts, 4 IVF, and 2 IVF with egg donation |
| High technology | Da Vinci robotic surgery, colonoscopy, and 3D and 4D ultrasound |
| Second opinionе | Remote consultation with world specialists for serious illnesses |
| Reimbursement handling | A claim is submitted from a photo of the invoice in the app; payments are usually made within a short time |
| Contract guarantee | After the third year, additional contract-stability guarantees apply under DKV’s conditions |
Medicine without borders for those who choose their own doctor
DKV Top Health sits at the top of the DKV range and works differently from policies with a closed medical network. Here the insured freely chooses a doctor and clinic in Spain and abroad in line with the programme’s conditions, pays the bill, and receives reimbursement of the expenses under the terms of the policy. This applies not only to private hospitals in Spain but also to costly medical centers abroad, where private medicine is especially expensive. A reimbursement claim is handled directly from the app with a photo of the invoice, and payments are usually made within a short time.
The policy is designed for those who need access to the best medicine in the world and to uncommon technologies. It covers high-tech Da Vinci robotic surgery, diagnostics in 3D and 4D formats, assisted reproduction techniques with several IVF attempts, a second opinion from world specialists for serious diagnoses, and oncoplastic breast reconstruction after radical surgery. Pharmacy, vaccine, optical, and orthopedic expenses are reimbursed, and physiotherapy, rehabilitation, and podiatry are provided within the limits set out in the contract. After the third year, additional contract-stability guarantees apply under DKV’s conditions, which provides long-term security.
Why arrange it through MG Seguros MG Seguros is an exclusive agent of DKV. We do not just arrange the policy: we support the client with expense reimbursement, document submission and dealings with DKV. Support in English, Spanish and Russian, online enrolment.
Typical tasks that this policy solves
Agent's opinion