The Only Health Insurance in Spain with 100% Reimbursement and US Clinics

If you've moved to Spain from the US, you already know the frustration.

Back home, you showed your insurance card, saw any doctor you wanted, and the bill was handled. No upfront payments, no claim forms, no surprises.

Then you moved to Spain and discovered that most health insurance here works completely differently.

Until now.

After 15 years helping American expats find the right health insurance in Spain, I've found the one policy that actually works the way you're used to — DKV Top Health.

What Makes DKV Top Health Different?

Most Spanish health insurance policies work on a network model — you choose from a list of approved doctors and clinics, you pay copayments for each visit, and your coverage stops at the Spanish border.

DKV Top Health throws that model out entirely.

This is a full reimbursement policy — which means:

• ✅ You choose ANY doctor or hospital — anywhere in the world

• ✅ 100% of ALL medical costs reimbursed — zero out of pocket

• ✅ No upfront payments at network hospitals — DKV pays directly

• ✅ Access to 30,000 US clinics and hospitals when you visit home

• ✅ Worldwide coverage — wherever life takes you, you're covered

• ✅ Dental costs reimbursed up to 80%

• ✅ Pharmacy and preventive medicine included

• ✅ Myopia surgery covered

• ✅ Unlimited transplants of all types

• ✅ Spa and wellness included

• ✅ 100% of pharmaceutical drug costs covered

• ✅ No excess, no deductibles, no surprises

  
  

The US Clinic Network — A Game Changer for Americans

This is the feature that makes American expats stop and pay attention.

When you visit family back in the US, your DKV Top Health policy gives you access to a network of 30,000 American clinics and hospitals. You don't pay upfront — DKV contacts the clinic directly, agrees the costs and handles everything.

It's the closest thing to having your American insurance card back — but better, because it works in Spain too.

100% Reimbursement — What Does That Actually Mean?

Let me be very specific because this matters.

With DKV Top Health:

Scenario 1 — Network hospital (Teknon, Quirón, Ruber etc.)You present your DKV card. You pay nothing. The hospital bills DKV directly. You walk out without touching your wallet.

Scenario 2 — Any other doctor or hospital in the worldYou pay upfront. You submit the bill to DKV. DKV reimburses you 100% of the cost. No deductions, no percentages, no small print.

Scenario 3 — US clinic during a home visitYou contact DKV before your appointment. DKV contacts the clinic, agrees the costs and arranges direct payment. You receive treatment. You pay nothing.

This is genuinely different from anything else available in Spain.

Premium Hospitals Included as Standard

With DKV Top Health you have access to Spain's most prestigious medical centres as standard — at no extra cost:

• 🏥 Clínica Teknon — Barcelona

• 🏥 Quirón — nationwide

• 🏥 Ruber Internacional — Madrid

• 🏥 Clínica Universidad de Navarra — Pamplona and Madrid

• 🏥 And hundreds more across Spain

• 
  

These are the hospitals that Spain's wealthiest residents and visiting royalty use. With DKV Top Health they're available to you as standard.

Is DKV Top Health Valid for the Digital Nomad Visa?

Yes — and this is crucial for Americans on the DNV.

DKV Top Health meets all the health insurance requirements for the Digital Nomad Visa, Non-Lucrative Visa and all other Spanish residency permits. All required documentation is provided immediately in Spanish and English.

As an exclusive DKV agent I handle all the paperwork — you receive everything you need for your visa application within 24 hours.

Who is DKV Top Health For?

This policy is designed for people who will not compromise on their healthcare:

• 🇺🇸 Americans on the Digital Nomad Visa who want US-style coverage in Spain

• ✈️ Frequent international travellers who need seamless worldwide protection

• 👴 Retirees who want zero compromise on their medical care

• 💼 High-profile professionals who expect the best and won't settle for less

• 🌍 Anyone spending time between Spain and the US who needs coverage in both countries

  
  

How Does DKV Top Health Compare to BUPA Gold?

This is a question I get from American expats regularly — many arrive in Spain with BUPA Gold or similar international policies.

The honest answer: DKV Top Health matches or exceeds BUPA Gold coverage in almost every category — often at a significantly lower premium. Several of my clients have cancelled their BUPA Gold policies after switching to DKV Top Health and saved over 30% on their annual premium.

How Much Does DKV Top Health Cost?

DKV Top Health is a premium policy — and priced accordingly. However most Americans are surprised by how competitive it is compared to what they were paying for health insurance in the US.

The exact premium depends on your age and specific coverage requirements. Contact me for a personalised quote — I'll give you an exact figure within 24 hours.

Getting Started — It's Simpler Than You Think

1. WhatsApp or email me with your age and nationality

2. Receive your personalised quote within a few hours

3. Choose your coverage level — I'll guide you through the options

4. Policy active within 24 hours — all DNV documentation included

5. Enjoy Spain knowing you have the best health insurance available 🇪🇸

   
   

Why Work With Me?

I'm Gemma García, exclusive DKV agent based in Spain with over 15 years of experience helping expats — including hundreds of Americans — get the right health insurance for their life in Spain.

• 🗣️ English-speaking service throughout the entire process

• ⚡ Policy active in less than 24 hours

• 📋 All visa documentation provided immediately

• ⭐ Over 180 five-star reviews

• 🆓 Completely free service — agents never charge extra

• 📱 A real person to call — not a chatbot or call centre

• 
  

Ready for Health Insurance That Actually Works?

Stop settling for coverage that doesn't match what you're used to. DKV Top Health gives you the same peace of mind you had back in the US — but with the added benefit of working seamlessly across Spain and the rest of the world.

👉 Contact me today for your free personalised quote.

📱 WhatsApp: +34 611 72 42 91

📧 Email: oficina.amposta@segurosdkv.es🌐