We'll start by explaining what insurance is. An insurance policy is a contract, whereby a company (the insurer) undertakes, by charging a premium, to cover the expenses arising from a harmful event included in the risks foreseen in that contract.

In other words, in health insurance, an annual amount (known as a premium) is paid to the insurer, so that the latter will cover any medical expenses related to health.

What is the sense of increasing the price of this cover according to how much it is used, if that is precisely what the insured person is paying for? None.

What is a "guaranteed price"?

DKV guarantees that the cost of your individual insurance policy will not increase based on your usage. The price won't go up, however often you've visited the doctor or have been hospitalised.

Why does my insurance go up if I have a guaranteed price?

DKV guarantees that no premium increase is applied because of the use of health insurance in the individual modality. If the price changes, it's because it's reviewed every year based on the increase in medical costs and new technologies (CPI for Medical Care), and also due to the numerous improvements to cover that we introduce every year. In addition, age ranges are applied to health insurance premiums, and there may be variations when your age range changes.

How is an insurance premium calculated?

The premium depends on personal factors, such as age or area of residence and the type of cover or copayments you decide to sign up for.

Where does the money I pay for my insurance go?

The money you pay for your insurance goes to pay practitioners and hospitals (80%), our employees (5%), taxes, etc. See more details in this picture:

Do you need help? We are here to help you with any enquires

You can contact us at:

• Private customer service: 900 810 072

• Private customer service for reimbursement: 900 814 390

• Emergencies/Medical lines/24-hour DKV Physician: 976 991 199 | 900 810 074

• Mutual society member helpline: 976 768 999 | 900 810 073

• International insured persons: 976 768 998 | 900 810 672