A SPANISH CRITICAL ILLNESS PLAN

Here we look at the DKV Seguros Mundicare Critical Illness Policy.

A stand-alone policy that can run alongside your private medical insurance.

DKV MundiCare is a critical illness policy providing international medical treatment for severe conditions with a limit of €2,000,000 per policy.

Key features include coverage for major illnesses like cancer and cardiovascular procedures, worldwide specialist access, and travel/accommodation coordination.

Critical illness in Spain - Access the world's leading Doctors

Examples of Covered Conditions:

Oncology:

Cancer diagnosis and treatment.

Cardiovascular:

Coronary artery bypass and heart valve replacement.

Neurosurgery & Transplants:

Major organ and bone marrow transplants.

Neurodegenerative:

Diagnostic confirmation of Alzheimer’s, Parkinson’s, ALS, and multiple sclerosis.

Key Benefits & Limits Financial Cap: Maximum limit of €2,000,000 in medical expenses per policy.

Annual Limit: Up to €30,000 per year for specific insured care aspects.

Second Opinion:

Free global second medical opinion service for any severe illness diagnosis. Travel Support: Covers travel and companion lodging expenses during international hospital stays

Global Solutions and a Top Tier Strategy:

The DKV MundiCare policy makes global top-tier specialists available through a fully managed international medical transfer framework.

Instead of leaving you to navigate complex medical systems or pay massive upfront costs, the policy uses a coordinated pathway to connect you directly with world-renowned Doctors, professors, and specialists, providing you with access to leaders in their field of medicine. Access to practitioners based in world-renowned hospitals where you can access the best advanced technology solutions.

The Global Connection

Second Medical Opinion:

The journey starts with a mandatory global second opinion service.

Leading specialists review your medical details and provide the world's most advanced solutions towards cure and recovery.

Top international experts review your Spanish diagnosis to confirm the disease and identify the most effective treatment protocol.

Centre Selection:

Based on the confirmed diagnosis, DKV identifies leading hospitals and the exact field-leading doctors, specialists and professors who specialise in your specific condition, giving you access to the world's most advanced clinics and hospitals, including many leading choices in the United States.

Direct Hospital Admissions:

DKV arranges and approves the international admission directly with the chosen medical centre, eliminating the logistics barrier.

Travelling for critical care is physically and emotionally exhausting, so the policy covers the logistics to ensure you can actually reach these specialists:

Travel Arrangements:

DKV books and covers round-trip travel fares for both you and a chosen companion.

Accommodation Support:

The policy pays for lodging expenses near the international reference hospital so your companion can stay close during your treatment.

Direct Billing:

Medical, surgical, and hospitalisation fees are settled directly by DKV up to your €2,000,000 limit, removing the burden of international health billing.

Continuity of Care Upon Return Medication Reimbursement:

When you return to Spain, DKV continues to cover and reimburse the specialised medications prescribed by the international professor/specialist/doctor to maintain your treatment plan.

Digital Access:

You retain access to video consultations and medical chats to follow up with specialists during your recovery

CRITICAL ILLNESS PLAN AVAILABLE TO ALL:

As previously explained, this is a stand-alone policy. Once this policy protection has started, it does not matter whether you have been diagnosed in the Spanish public healthcare system or by another private health insurer; you bring your diagnosis, scans, test results, and biopsies to the DKV Mundicare Team.

As with all medical coverage, the protection for this policy covers you for medical conditions that develop from the date the policy commenced. This type of coverage is ideal for those who are fit and healthy.

IMPORTANT NOTE:

Many people tell us that they are fit and healthy and never see a doctor.

Over the many years we have been in the medical insurance business, it is always those who tell us that they never see a doctor who suddenly, because they are paying for the service, start seeing a doctor and are then diagnosed with medical problems they never knew they had.

With all medical coverage plans where medical science shows a condition pre-existed the policy, coverage will be withdrawn.

If you have medical insurance in place and want to proceed with this DKV Munidcare Critical Illness high-level coverage, we suggest that before you apply for a Critical Illness policy, you use your existing medical policy to have all your checks and tests done, so when you complete an application, you do so knowing that you have your tests showing that you have no pre-existing conditions that you did not know about.

PRICE:

Minimum - Max age to start a policy - 0 to 67 years.

Policy expires when policyholder reaches 75 years of age - Policy will not renew at the end of the insurance year in which the customer reaches 75.

AGE:

35-44 - 123,60€ Annual premium.

45-54 - 250,18€ Annual premium.

55-64 - 430,51€ Annual premium.

65-75 - 597,15€ Annual premium.

Prices subject to satisfactory health declaration.

Prices exclude Insurance Tax (1.5% as at date of print)

For more information and the brochure, please contact us.

Francis Payne - Tailor Made Healthcare Spain.