10 good reasons to opt for health insurance from DKV

1. We are specialized in health insurance.
   Not all health insurance providers are specialized in this sector. DKV is. It is Europe’s leading health insurer with 7 million customers.
2. We have exactly the kind of policy that suits you best.
   Our products can be completely tailored to the needs of the individual customer: network of private practices and clinics: If you need medical care, you can choose from DKV’s network of contracted doctors and hospitals. Reimbursement: You are treated by a doctor or clinic of your choice and we reimburse between 80% and 100% of the costs – worldwide
3. We also care for your family.
   Large families receive attractive discounts:
   12% discount for families with 5 or more members.
   5 % discount for families with 4 members.
4. We work with specialists and clinics of the first order.
   Our directory of contract physicians in Spain contains more than 19,000 specialists, including many renowned specialists. We also have 1,200 clinics linked to our network of contractors, including such prestigious hospitals as the Teknon Clinic, the Quirón Group, the Clínica de la Luz and the USP Clinic Network.
5. We place the highest demands on our service.
   Customer-oriented service of the highest quality for all our policyholders is our top priority, because we know how important a quick and uncomplicated handling of formalities is when it comes to health.
6. Our health insurance includes a free dental service and emergency assistance when travelling.
   Always show a beaming smile! All DKV health insurance policies include dental treatment and emergency treatment for stays abroad of up to 90 days at no extra cost.
7. Attractive additional services.
   Medical advice by telephone, special advice in paediatrics, discounts in sports studios and wellness centres, health magazine with interesting articles… these are just some of the additional services you enjoy with a DKV health insurance.
8. Structuring of contributions according to age, sex and place of residence, no surcharges for frequent use of benefits.
   We structure our premiums on the basis of the probable uptake of insurance benefits; our contractual provisions do not provide for any surcharges for frequent use.
9. Responsibility and innovation guide us in developing new products and services for our customers.
   Extension of the age limits for our private health insurance policies:
   The upper age limit for new policies taken out by our health insurers with treatment by DKV contract physicians will be raised to 70, to 65 for insurance companies with reimbursement of costs and to 75 for DKV residents.
   DKV is the only health insurance company where people up to 70 years of age can take out an insurance policy with a panel doctor.
   DKV undertakes not to cancel policies that have been in existence for at least three years.
   Our “Lenguaje Claro” programme puts an end to the small print and describes the conditions in terms that are understandable to everyone.
   The Spanish consumer protection association has awarded us the certificate for clear language (Certificado de Claridad).
   Adopted children before the age of 18 are automatically included in the parents’ policy.
   Insurance models specially designed for foreigners with a secondary residence in Spain.
10. We are a company with a high credit rating.
    Together with four other companies, DKV forms the ERGO Group with 30 million policyholders throughout Europe and 21,000 own insurance agents – a guarantee for customers and suppliers alike.