DKV insurance in Spain,
properly chosen from the very first step.
I help you choose and arrange your insurance according to your real situation: health insurance, medical network, reimbursement, immigration, NIE, non-lucrative residence, visas, seniors or income protection. Clear advice, without jargon.
Key figures for Buendía Seguros
Quick links
Choose your situation and go directly to the guide or service you need.
DKV insurance in Spain: private healthcare, immigration and seniors
If you are comparing DKV insurance, this is a quick way to guide your choice. A health insurance, also called medical insurance or private healthcare, puede funcionar principalmente como medical network o como reimbursement. In addition, there are specific cases where the policy must fit a particular procedure, such as immigration, NIE, TIE renewal, non-lucrative residence, student visa o family reunification.
If you need insurance for an immigration procedure and are not sure exactly which one applies to your case, start with the guide to medical insurance for NIE. If you are looking for medical insurance for regular use, start with the guide to DKV health insurance, where the two main options are explained: medical network and reimbursement.
Quick links
I can prepare 2–3 options for you on WhatsApp and explain the differences clearly.
Ask for information on WhatsAppDKV health insurance: choose how you want to use your policy
Un health insurance DKV can be arranged mainly to use the company’s medical network or to have greater freedom through a reimbursement. The difference is not in the name —medical insurance, health insurance or private healthcare— but in how you want to access doctors, specialists and private centres.
DKV health insurance
Start here if you want an overview before choosing. I explain the differences between medical network, reimbursement, co-payments and level of cover.
View DKV health insuranceDKV medical network
For people who want to use DKV doctors, specialists, diagnostic tests and partner centres, with or without co-payments depending on the option.
View DKV medical networkReimbursement insurance
For people who also want to choose private doctors outside the medical network and recover a percentage of the cost depending on the policy arranged.
View reimbursement insuranceMedical network vs reimbursement: key differences
A quick decision: if you want to use DKV centres and doctors, the medical network. If you also want to choose doctors outside that network, reimbursement gives you that freedom.
| Aspect | DKV medical network | Reembolso DKV |
|---|---|---|
| Access to doctors | DKV partner professionals and centres | DKV network + any private doctor |
| Freedom of choice | Within the network | Full: inside and outside the network |
| Premium cost | More affordable | Higher, in exchange for more freedom |
| Co-payments | Available with or without co-payments | No co-payments in network; partial reimbursement outside |
| Reimbursement of external invoices | No | Yes, percentage depending on the option |
| Best suited for | Families and profiles who trust the DKV network | Those who want to use specific private doctors |
| Valid for immigration | Yes (no co-payment option) | Yes |
Not sure which option best fits your case? I can tell you in 2 minutes on WhatsApp with your age, province and expected use.
Medical insurance for immigration procedures
If your search is related to NIE, TIE renewal, residencia, visados o family members of an EU citizen, here are the direct links for each case. The cover must meet specific immigration requirements: no co-payments, no waiting periods and an official certificate.
Medical insurance for NIE
Main immigration cluster guide. Also valid for TIE renewal and other procedures requiring private medical cover.
View DKV insurance guide for NIENon-lucrative residence
Valid policy for non-lucrative residence applications, with specific review for senior profiles.
View non-lucrative residence guideStudent visa
Medical insurance for international students: Erasmus, master’s, degree and PhD.
View student visa guideFamily reunification
Review of your application to check whether insurance is needed and which option best fits your case.
View family reunification guideEU citizens and family members
Guide to proving healthcare cover for EU citizen applications and green NIE.
View EU citizen guideInsurance by visa type
General guide by type of visa, residence or application. A starting point if you are not sure where to begin.
View guide by visa typeComparisons and reviews
Are you comparing before arranging a policy? Real reviews, differences between options and the best fit according to your profile.
Best medical insurance 2026
Real reviews and comparison to choose the right option for your case.
View DKV insurance comparisonInsurance comparison for seniors
Compare health options for seniors and understand the key differences before arranging a policy.
View senior comparisonBest insurance for seniors
Decision guide by use, age and type of option before choosing a product.
View decision guideChoose your path
Go directly to the content and arrangement route that best matches your situation.
Medical insurance for NIE
- Main cluster guide.
- Starting point for residence, visas, TIE renewal and other procedures.
Health insurance for seniors
- DKV Selección with no age limit.
- Cover, hospitalisation and provinces.
DKV health insurance
- Medical network for using partner centres.
- Reimbursement to also use private doctors.
Income protection
- Financial protection if you cannot work.
- For self-employed and employed workers.
3-step process
Simple, fast and guided.
You tell me your case
WhatsApp or form: age, province and real objective. It may be private healthcare, medical network, reimbursement, NIE, non-lucrative residence, studies, reunification, seniors or income protection.
I recommend the right option
I explain the key differences and the option that best fits the cover, documentation, type of use and budget.
Arrangement and documentation
We review details, payment and documentation. I guide you until everything is ready.
What people say after arranging their insurance
He explained what I needed and we sorted it out quickly by WhatsApp. In two days I had the policy and certificate ready to submit to immigration.
I compared options and understood co-payments and conditions before arranging the policy. He explained what was covered and what was not, without selling me anything I did not need.
Clear, straightforward guidance. When I had an issue with an authorisation after arranging the policy, he handled it directly for me.
Do you need guidance?
Tell me your situation, your age and your province. I will tell you which option fits and guide you step by step.
Frequently asked questions
How long does it take to have everything ready?
It depends on the case and the documentation. If you already have the information ready, it is usually possible to move quickly on WhatsApp and have the arrangement prepared in a short time.
Are health insurance, private healthcare and medical insurance the same thing?
Yes. On this website they are used as equivalent concepts. The important difference lies in the type of policy: medical network insurance or reimbursement insurance.
What is the difference between medical network and reimbursement?
With the medical network, you use DKV partner doctors and centres. With reimbursement, you can also go to private doctors outside the network and recover a percentage of the cost depending on the option arranged.
Are there options with or without co-payment?
Yes. I will tell you which option best fits the expected use, the procedure requirements and the budget. For immigration, a no co-payment policy is usually required.
If it is for immigration, what information do I need to send you?
Date of birth, nationality, province or postcode y type of procedure. If it is for a family, I will also need everyone’s ages.
Does the same insurance work for obtaining the NIE and renewing the TIE?
Yes. If the policy is active and meets the requirements (no co-payments, no waiting periods, full cover and the correct certificate), it usually works both for the initial application and for renewal. It is advisable to review the insurance at least 2–3 months before the renewal appointment. More detail in the guide to medical insurance for NIE and TIE renewal.
Can I do everything by WhatsApp?
Yes. I guide you step by step and tell you exactly what information to send so the process is simple. Quote, arrangement and certificate, all by WhatsApp.
Do you work with all insurance companies?
No. I am an exclusive DKV agent. That means I know the product in depth and can advise you properly, but I do not compare other insurers. If your case does not fit DKV, I will tell you directly.
Can I arrange it from outside Spain?
Yes. Many people arrange their insurance from their home country before travelling. The process can be done with a passport, without needing a Spanish bank account.
Do you work throughout Spain?
Yes. I work throughout Spain by WhatsApp, phone and form. The insurance works in any province where DKV has a medical network.
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