DKV Integral Élite: Full Coverage with Zero Co-Payments
DKV Integral Élite is the most complete private health insurance plan offered by DKV. It is specifically designed for individuals and families who desire complete peace of mind without having to pay extra fees or co-payments every time they visit a doctor or undergo a medical procedure.
Because Élite provides 100% full coverage with €0 co-payments and includes hospitalisation, surgery, and emergency repatriation, it is the primary recommended plan for Spanish Visa & Residence applications (Non-Lucrative Visa, Digital Nomad Visa, Golden Visa, and Student Visa).
What is Included in DKV Integral Élite?
- General Medicine & Paediatrics: Unlimited consultations with primary care doctors, paediatricians, and nursing staff.
- Medical & Surgical Specialists: Direct access to cardiologists, gynaecologists, dermatologists, traumatologists, and all medical specialties without needing a referral.
- Advanced Diagnostic Tests: Clinical analysis, MRI scans, CT scans, ultrasounds, endoscopies, and biopsies.
- Hospitalisation & Surgery: Full medical, surgical, and ICU hospitalisation with a private room and companion bed.
- Dental Care Included: Free preventive dental cleanings, consultations, emergency treatment, and diagnostic checkups, with discounted rates for treatments.
- Therapies & Rehabilitation: Physiotherapy, psychology, podiatry, and speech therapy according to policy conditions.
- Digital Health & Video Consultations: 24/7 access to doctors via the Quiero Cuidarme Más app.
- Worldwide Travel Emergency Assistance: Medical emergency cover when traveling outside Spain up to €20,000 per trip.
Who is DKV Integral Élite Ideal For?
- Spanish Visa & Residency Applicants: Meets all legal requirements demanded by Spanish Consulates and Extranjería (full cover, no co-payments, repatriation).
- Families with Young Children: Frequent paediatric visits and routine checkups with no additional out-of-pocket fees.
- Anyone Seeking Budget Predictability: A single fixed premium without unexpected charges.
Note: Waiting periods may apply for certain non-urgent hospital procedures and childbirth. Pre-existing conditions are subject to medical underwriting. Contact Irene Pujol for a personalized review of your eligibility.