+34 630 12 1599

Valencia, Spain

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For individuals over 75 years old, obtaining a health insurance policy in Spain that meets residency requirements can be challenging due to age restrictions imposed by most companies. DKV is the only insurance company that offers a comprehensive policy for this age group, ensuring full compliance for any type of residency application.

Suitable for all long-term residency visas


The DKV Selection policy is suitable for any type of long-term residency visa in Spain: Non-Lucrative visa (No lucrativa), family reunification, residence for pensioners / retirees, digital nomad, student visa, arraigo

Coverage includes:
From the beginning of the policy
  • General medicine
    Consultations with general practitioner, pediatrics and nurse service.
  • Medical hospitalization and ICU
    Max. 3 days, only for life-threatening emergencies or accident.
  • Specialities
    allergy, gastroenterology, cardiology, general surgery, dermatology, endocrinology, geriatrics, gynaecology, phoniatrics and speech therapy, internal medicine, nephrology, pulmonology,
    neurology, odontostomatology, ophthalmology, otorhinolaryngology, podiatry (max.10 sessions
    a year), psychology (max. 10 sessions year), psychiatry, rheumatology, obstetrics, traumatology and urology.
  • Surgical emergencies(unlimited)
    Only for life-threatening emergencies or accident.
  • Diagnostics
     clinical analysis, anatomical pathology, cytology and colposcopy, densitometry, ultrasound, echocardiography, electroencephalograms, electromyograms, ergometers, x-rays and mammograms.
  • Emergency care in Spain and abroad
    Ambulances included, for transfers to network-affiliated hospitals.
  • Basic dental coverage
    To keep your tooth in a good condition.
At six month
  • Surgical hospitalization
    Unlimited number of days, planned or urgent cases
  • Medical hospitalization and ICU
    Max. 3 days
  • Diagnostics and treatment
    arteriograms, liver and bone marrow biopsies, bronchoscopies and bronchographs, catheterization, endoscopy, phlebography, Holter, nuclear medicine, oxygen therapy, rehabilitation (except chronic diseases), CAT scan, valvuloplasties and angioplasties, nuclear magnetic resonance (NMR) and lithotripsy.
  • Specialized surgery
    angiology, audiosurgery, cardiac surgery, maxillofacial surgery, reconstruction plastic surgery, lung surgery and neurosurgery.
At ten month
  • Births
    Including epidural anesthesia
  • Neonatology

Exclusions


Pre-existing illnesses. Work-related accidents, occupational accidents or traffic accidents. Sterility treatment. Cosmetic treatment. Dialysis. Sleep disorders treatment. Positron emission tomography (PET). Oncology treatment. Transplants. Prosthesis and osteosynthesis material. Family planning and contraception. (IUD placement is covered. The IUD is paid for by the policy holder). Any expenditure for non-network affiliated doctors.
Insurance Premium Rates for 2026
Copayment per medical service: €3(inc. tax).
Free copayment in policies with 4 or more insured persons.
For visa applicants no copayment and waiting periods with annual payment.
Policy issuance specifics:
Of course, there are certain specifics regarding the issuance of this policy:
  • Place of residence in Spain
    The policy can be issued for individuals residing in most regions of Spain: A Coruña, Alicante, Murcia, Badajoz, Cáceres, Castellón, Córdoba, Granada, Huelva, Huesca, Jerez de la Frontera, Las Palmas, León, Lugo, Madrid, Guadalajara, Málaga, Oviedo, Palma de Mallorca, Sevilla, Tenerife, Valencia, Vigo, Zaragoza.
  • Account and contact information
    A European bank account (IBAN) and a Spanish phone number are required for application.
  • Policy start date
    The policy start date can be set only the first day of the current month.
  • Processing time
    The average processing time for the policy is approximately 7 business days. If you have a health declaration, the processing time will take more time.
Please note: a health evaluation process applies to every application. You do not pay until the evaluation is complete and you have accepted it.
How to get the insurance:
Consultation
At the first stage we discuss the goal of the insurance (for visa application or personal use), health status.
Application
Application form preparation&submit. If there is health declaration the process will take more time than usual.
Sign and payment
Once the application is processed by the insurance company, we proceed with contract signature and payment(depends on the chosen conditions of payment).
Documents and undoarding
All insurance documents and onboarding instructions will be sent to your email.
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Contact me:
+34 630 121599
office.trubchaninova@gmail.com
Valencia, Spain
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