With the Worldwide policy Top Health, you can freely choose which doctor, specialist or hospital you want to visit, worldwide, just as with the Mundisalud health insurance policy, even if it is not affiliated with the DKV network.
The difference between Mundisalud and Top Health is that with Top Health the costs in Spain and abroad are reimbursed up to 100%. So you can go to any doctor, specialist or hospital both in Spain and abroad with all costs covered.
In addition, the Top Health insurance has the following extra cover:
- Alternative Medicine: Homeopathy, Phytotherapy, Acupuncture, Spas, Chiropractic and Osteopathy
- Medicines (including vaccinations)
- Reimbursement of aids (hearing aids, lenses, glasses, wheelchairs, walking sticks, guide dog)
- Dentistry
- Surgical prostheses for myopia
- Speech therapy
- Organ transplants
- Artificial reproductive techniques
Own risk
You can choose a policy with or without a deductible. It is best to contact us directly so that we can show you a quote with various options. Because of course the premiums depend on the level of the deductible.
Below is a global overview of the coverage at home and abroad.
| Network DKV 'Cuadro Medico' | Doctors, specialists and hospitals outside DKV network | Doctors, specialists and hospitals out of DKV network | World emergency coverage | |
| Without limits | Spain | Abroad | Without limits | |
| Top Health | 100% | 100% | 100% | 100% |
General coverages
Primary care
Medical care (GP, midwife and paramedic)
- Annual cardiology check-up
- X-rays
- Ambulance transport
- Childcare and pediatrics
- 24-hour emergency service in clinic and at home
- Clinical Trials
* Contact Hypotienda personally for a complete overview.
Specialists
With the Wereldpolis you are insured for consultation and treatment of specialists and for any necessary examinations. This includes: *
- Physiotherapy
- Gynecology
- Radiology, ultrasound, allergy testing, etc.
- Psychiatry and Psychology
- Revalidation
* Contact Hypotienda personally for a complete overview.
Hospitalization
The reimbursement of all hospital costs includes: costs for general treatment, nursing, operating theater and medicines in the hospital. The hospital offers a single room with a toilet and a bed for an accompanying person *.
* With the exception of psychiatric hospitalization, Intensive care unit (ICU) and incubator rooms.
Worldwide coverage in emergencies
This policy includes worldwide cover for emergencies during journeys of up to 180 days.
This includes the following coverages:
- Transport and repatriation of sick and injured people
- Early return due to death of a family member
- Medical consultation by telephone
- Hospitalization (incl. Medical and pharmaceutical costs)
- Emergency dental treatment
Preventive examinations
This policy also includes preventive examinations against, among other things, colon cancer, breast and cervical cancer, prostate cancer, cardiovascular disease, visit to the dentist and dental hygienist, check-ups of newborns up to the age of four, including the necessary vaccinations.
