Seguros Zurich Tenerife Agencia de Seguros TVT Seguros Los Cristianos Adeje Las Americas Santa Cruz de Tenerife Puerto de la Cruz Tenerife
Seguros Zurich Tenerife Agencia de Seguros TVT Seguros Zurich Los Cristianos Zurich Adeje Zurich Las Américas Zurich Santa Cruz de Tenerife Zurich Puerto de la Cruz

DKV Mundisalud

DKV Seguros de Salud - Seguros Médicos Privados

DKV Mundisalud – Medical Insurance

Reimbursement Insurance Policy - free choice of doctors in Spain and around the world

DKV Mundisalud, freedom of choice

For foreign residents in Spain or for those who travel frequently, DKV Seguros has a policy designed to provide cover anywhere in the world: DKV Mundisalud. The four modules that this medical insurance includes stand out for their broad reimbursement cover of medical expenses and for having individual limits according to the different needs of clients. As well as guaranteeing a reimbursement of 90% of fees for medical care abroad and 80% of those in Spain, clients have access to the extensive list of the company’s medical professionals at no cost.

Reimbursement insurance allows you to access the company’s entire medical directory, or to choose any doctor, specialist or centre you wish from Spain or abroad, even when they are not included in the medical directory. In the latter case, you will have to pay for the visit or treatments directly when you receive them, after which DKV will reimburse a part of what you paid, depending on the type of reimbursement policy contracted and the medical service you have used. Each refund policy will have a maximum refund limit for each type of medical procedure.

  • Primary care

  • All specialities and diagnostics

  • Surgical procedures and hospitalisation

  • No contribution for medical treatment

  • Refund of medical expenses if you choose a non-associated centre

  • 90% reimbursement of bills from doctors or clinics in Spain or abroad.

  • Reimbursement for vaccine costs

  • Reimbursement of pharmacy costs

  • Network of clinics in the USA

  • FREE dental service

  • Psychology

  • Emotional support helpline

  • Commitment to refund expenses in less than 7 days

  • DKV Health and Wellbeing Club discounts


DKV Mundisalud: Taking care of your health without borders

Some highlights…

  • Without co-payments and with a 90% reimbursement of medical expenses incurred in Spain and abroad.

  • Online reimbursement in less than 7 days

  • Dental service included

Modalitities of DKV Mundisalud

In Spain, you have access to a medical directory of more than 1,000 centres, 24,000 professionals and the widest range of coverage in the sector. And of course, both in Spain and abroad, you can go to any centre that is not part of the DKV directory, with a reimbursement of between 80% and 90% of your total expenses. Choose the modality that suits you best, from: Complet, Plus, Classic and Élite. 

Mundisalud Complet

Overall limit: 62,000 euros. Reimbursement in Spain: 80%. Reimbursement abroad: 90%.


Mundisalud Plus

Overall limit: 160,000 euros. Reimbursement in Spain: 80%. Reimbursement abroad: 90%.


Mundisalud Classic

Overall limit: 237,000 euros. Reimbursement in Spain: 80%. Reimbursement abroad: 90%.

Mundisalud Elite

Overall limit: 310,000 euros. Reimbursement in Spain: 90%. Reimbursement abroad: 90%.

Mundisalud Premium

Overall limit: 650,000 euros. Reimbursement in Spain: 90%. Reimbursement abroad: 90%.

DKV Mundisalud: Our commitments

Any insurance policy must start with a commitment. Yours starts with eleven.

  1. You will have access to all doctors and centres around the world. In other words: you will have the peace of mind of knowing that, in any unforeseen circumstances, you will have the most innovative methods and best technology possible at your disposal.

  2. We want to offer you lifetime insurance. This is why after the third year, we will not cancel your insurance. Furthermore, as of 65 years old, we do not reduce your coverage.

  3. If you experience any kind of occupational or traffic accident, don’t worry, we’ll attend to you.

  4. If you want to compare serious illness diagnosis and need a second medical opinion, you can count on it.

  5. We will reimburse you the amount of your bills as soon as possible, and within a maximum of 7 days. You can also request a     reimbursement directly on the website or the app, simply by uploading a photograph.

  6. Of course, you won’t need to pay anything for going to a doctor via our authorised network.

  7. To reduce the costs of protecting your family, you will have a discount of up to 12% on your family insurance.

  8. Smile. Unlike other health insurances in the sector, yours will have the dental service included.

  9. If you have to be admitted to hospital, don’t worry. You will have your own room so that you are comfortable, with an extra bed for your companion. This means you only need to worry about what’s most important: recovering.

  10. Of course, you can also manage your authorisations quickly and easily at, over the phone or in a DKV branch.

  11. You will also have a Digital Doctor, an app where you can contact a doctor over the phone, via a video call or through a chat. Getting a first medical opinion has never been so simple nor immediate.

If you live in the Canary Islands, this health insurance policy is indicated

If you are looking for health insurance in Tenerife, La Palma, Gran Canaria, Fuerteventura or Lanzarote and that also allows you to travel to the mainland in case you need specialised treatment, this is a very complete product and with the best insurance coverage in its class (medical insurance in a concerted network).

In TVT Seguros we have been working for more than 26 years as representatives of DKV Seguros in the Canary Islands and we have the maximum experience to be able to advise you and explain the differences of this insurance in relation to others in the market with lower coverage. Ask us now for your personalised informative appointment or a quote. 

DKV Mundisalud Health Insurance FAQs

Find answers to all your questions

  • It can be taken out up to the age of 75 years

  • You will get a 7% discount for annual payment

  • Discounts for families:

    • 7% if there are four insured parties.

    • 12% if there are five or more insured parties.

  • Commitment of non-cancellation of the policy starting from the third year

If you are already insured with DKV Mundisalud, you would be happy to know that your insurance now includes…

  • The latest diagnostic methods:

    • 3D/4D pregnancy ultrasound.

    • 3D mammogram to detect tumours at early stages.

    • Magnetic resonance enterography and computed tomography to study Crohn’s disease (and intestinal inflammation illness).

    • Diagnosis of coeliac disease: genetic study for people with symptoms of the illness and that fulfil certain requirements.

    • Anti-Mullerian Hormone in fertility studies.

  • New therapeutic provisions:

    • We are doubling speech therapy sessions from 10 to 20 per year for re-education in speech disorders and language among children.

    • Pelvic floor rehabilitation increased to 10 sessions post-partum.

    • We are offering double the number of sessions for psychotherapy (from 20 to 40) in cases of cyber bulling and occupational stress.

  • Hospitalisation and surgery:

    • Extension of prostheses: ossicles, transtympanic drainage and digestive stents.  

    • Da Vinci robotic surgery for localised and organ-confined prostate cancer.

    • We are offering double the number of sessions for psychotherapy (from 20 to 40) in cases of cyber bullying and occupational stress.

  • Other new features in coverage and services:

    • Extension of the psycho-emotional line from 3 to 6 calls/year.  

    • Management of chronically ill patients and serious illnesses.

    • Dental health programme for pregnant women.

    • DKV Health and Wellbeing Club New Services

In some cases, in order to access certain guarantees, you have to wait for a certain amount of time before you can begin to enjoy the benefits of your policy.

With the DKV Mundisalud insurance, all provisions can be used from day one, except for the following services which have grace periods:

  • Hospitalisation and surgical procedures (including prostheses): 6 months

  • Childbirth (except for premature deliveries): 8 months

  • Transplants: 12 months

Calculate your DKV Mundisalud Insurance now at the Best Prices!