DKV is a Spain only policy that is integral in Spain with emergency cover abroad. There are 4 different levels, depending on which excess you prefer. The cost of the insurance decreases with a higher excess
Diagnostic test
Hospitalization and unlimited treatment
Consultations and General Medicine
Ambulance cover and 24 hr call out
Emergency cover outside Spain
option 1 has a high excess and we would recommend this policy if you are in excellent health and use hospitals infrequently.
Option 2 has a medium excess and is a reasonable choice in regards value and cover
Option 3 has a low excess and is a great option for people who do you services but do not mind paying a minimal sum each time for a consultations
Option 4 has no excess, and so although is the most expensive option of the 4, it does provide peace of mind that you will never have to pay for any service apart from the premium paid each month.
