Irene Pujol — Exclusive DKV Agent
Clear, personal guidance for DKV insurance in Spain
For international residents, visa applicants, families, professionals and businesses — Irene Pujol helps you understand your options and choose suitable DKV coverage, in English.
Explore Coverage Options
🇪🇸 Spanish Visa & Residence Insurance
DKV Integral Élite: 100% full coverage, €0 co-payments, and repatriation. Meets all Extranjería legal criteria for Non-Lucrative, Digital Nomad, and Golden Visas.
🏥 Private & Family Health Insurance
Four flexible plans (Élite, Plus, Complet & Modular). Direct access to top hospitals and 40,000+ medical specialists.
💼 Freelancers & Small Businesses
Tailored healthcare plans for autónomos in Spain with tax deductions of up to €500 per family member.
🦷 Dental & Specialized Add-ons
Preventive dental care with over 50 free treatments, child oral care, and worldwide travel coverage.
DKV Salud · Simple Comparison
Which Health Insurance Plan Suits You Best?
Choosing health insurance isn’t just about finding the lowest price. Here is how DKV’s four healthcare options compare side by side in plain English — without the jargon.
DKV Integral Élite
Maximum predictability & complete peace of mind. Zero extra fees for covered visits.
- Co-Payments: None (€0 / visit)
- Hospitalisation & Surgery: 100% Medical & Surgical
- Specialists & Doctors: Direct Access (No referral)
- Diagnostic Tests: Complete (MRI, CT, Labs)
- Dental Services: Included (Free cleanings)
- Travel Assistance: Worldwide up to €20,000
Expat visa applicants (NLV, Digital Nomad, Golden Visa), families with children, and anyone who wants €0 out-of-pocket bills.
DKV Integral Plus
Full hospital protection with moderate co-payments, keeping your monthly rate balanced.
- Co-Payments: Mid-level per consultation
- Hospitalisation & Surgery: 100% Medical & Surgical
- Specialists & Doctors: Direct Access (No referral)
- Diagnostic Tests: Complete (MRI, CT, Labs)
- Dental Services: Included (Free cleanings)
- Travel Assistance: Worldwide Emergency included
Healthy individuals and couples who want full hospital security but prefer a reduced monthly fixed cost.
DKV Integral Complet
Comprehensive hospital protection with the lowest fixed monthly premium among hospital plans.
- Co-Payments: Higher per consultation
- Hospitalisation & Surgery: 100% Medical & Surgical
- Specialists & Doctors: Direct Access (No referral)
- Diagnostic Tests: Complete (MRI, CT, Labs)
- Dental Services: Included (Free cleanings)
- Travel Assistance: Worldwide Emergency included
People who rarely visit private doctors but want catastrophic surgery and hospital protection.
Specialists + Tests (Modular)
Fast direct access to private doctor consultations and diagnostic tests without hospital cover.
- Co-Payments: Flexible / Low
- Hospitalisation & Surgery: Excluded (Outpatient only)
- Specialists & Doctors: Direct Access (No referral)
- Diagnostic Tests: Complete Covered Diagnostic Tests
- Dental Services: Optional add-on
- Travel Assistance: Limited Emergency Care
Residents who use Spanish Social Security for hospital care, but want private speed for specialist appointments.
How to weigh up your options in 30 seconds
Before choosing, ask yourself these practical questions from our guide:
If yes, pick an Integral plan (Élite, Plus, or Complet). If you only need doctor visits, choose Specialists + Tests.
Consulates strictly require zero co-payments and full hospitalisation. DKV Integral Élite is the fully compliant solution.
DKV Integral Élite gives you total peace of mind with no co-payments piling up throughout the year.
Choose DKV Integral Plus (mid co-pay) or Complet (lowest premium), and only pay fees when you actually use care.
Insurance overview
Cover for every part of life in Spain
From health and visa applications to your home, your work and your family — here are the areas Irene can help you think through.
Health
Private health cover for individuals and families.
Explore optionsVisa & residence
For international newcomers applying to stay in Spain.
Explore optionsSelf-employed
Protection that fits freelance and independent work.
Explore optionsBusiness
Guidance for small businesses and teams.
Explore optionsLife
Support for the people who depend on you.
Explore optionsHome
Protection for your home and belongings.
Explore optionsDental
Help with everyday oral health.
Explore optionsAccidents
Focused cover for the unexpected.
Explore optionsDKV Visa Insurance
Insurance for Spanish visa & residence applications
Health insurance is often part of applying for a Spanish visa or residence permit. Irene helps international newcomers understand the DKV options — and what to prepare.
Irene can help you understand the insurance side, but always verify current requirements with the relevant Spanish authority or a qualified adviser.
Why work with Irene
Insurance advice that feels human
Irene’s approach is personal and unhurried — she would rather you understand your options and feel confident than rush into a decision.
Personal guidance
You speak with Irene directly — one person who understands your situation, not a call centre.
Clear explanations
Spanish insurance, explained in plain English so you actually understand what you are choosing.
English-first support
Built for international residents who want things explained clearly, in English.
Help comparing options
Irene helps you weigh up suitable DKV options against your life — with no pressure.
How it works
Three simple steps
No complicated process — just a clear conversation that helps you move from uncertain to confident.
Tell Irene what you need
A quick conversation about your situation, who needs cover, and what matters to you.
Understand your options
Irene explains the relevant DKV options in plain English, so you can compare them clearly.
Choose with confidence
You decide what to take forward — at your pace, with a personal contact if questions come up.
Quick estimate
Estimate your insurance cost
A simple tool to get a rough monthly indication in seconds. Pick your cover type, age and household size — then speak with Irene for an accurate quote.
Insurance estimate
A quick, no-obligation indication of monthly cost
Estimated monthly range
Indicative cost only. Actual DKV pricing depends on specific medical history, exact age, deductible and optional extras.
Get in touch
Send Irene a message
Tell Irene what you need and she will help you understand your options. There is no obligation to take out a policy.