Home/Spain/DKV (ERGO/Munich Re)

privateFinancial Strength: Munich Re/ERGO — very strongOnline Signup

DKV (ERGO/Munich Re)

DKV Seguros

48.9Score

★★★★☆4.0

Customer satisfaction · 2.0M members

ICEA: #4 Market Position(2025)Selectra: Best for Expats(2025)

DKV is backed by Munich Re (one of the world's largest reinsurers) and offers English-language services. Known for the fewest waiting periods among major Spanish insurers, it earned EUR 835 million in 2025 revenue with comprehensive plans like DKV Integral Elite.

Overall Score

48.9/100

Founded

1955

Headquarters

Zaragoza

Type

private

Get a Free Quote→

No obligation. Compare personalized rates.

Key Metrics

Market Share

6.2%

Revenue

EUR 835M (2025)

Revenue Growth

-9.4% (exited Muface)

Waiting Periods

Fewest among majors

English Support

yes

Editorial Ratings

ICEA: #4 Market Position(2025)

Rating: 6.2% market share; EUR 835M revenue (max: 35%)

17.7ICEA

Selectra: Best for Expats(2025)

Rating: Popular expat choice for English service (max: 10/10)

80Selectra

Coverage Highlights

✓English-language website and services available
✓Fewest waiting periods of any major Spanish insurer
✓Backed by Munich Re — one of the world's largest reinsurers
✓Comprehensive DKV Integral Elite plan with no copays
✓Strong wellness and preventive healthcare focus

Pros

✓English-language service — best for expats
✓Fewest waiting periods of any major insurer
✓Munich Re financial backing
✓Comprehensive plans with no-copay options (DKV Integral Elite)

Cons

✗Revenue declining after Muface exit
✗Smaller provider network than Adeslas
✗Premiums on the higher end

Frequently Asked Questions

Is DKV the best choice for expats in Spain?

DKV is widely regarded as the best option for English-speaking expats in Spain due to its English-language website (eng.dkv.es), English customer service, and comprehensive international coverage.

Who backs DKV Spain?

DKV is a subsidiary of ERGO Group, which is part of Munich Re — one of the world's largest reinsurers. This provides extremely strong financial backing.

Why did DKV's revenue decline in 2025?

DKV's revenue declined 9.4% in 2025 primarily due to exiting the Muface agreement (public employee health coverage), not due to declining private market performance.

What is DKV Integral Elite?

DKV Integral Elite is DKV's most comprehensive health insurance plan, featuring no copays, minimal waiting periods, and broad coverage of specialists and hospital care.

Quick Summary

InsurerDKV (ERGO/Munich Re)

Country🇪🇸 Spain

Overall Score48.9/100

Satisfaction4.0/5

Members2.0M

Typeprivate

Founded1955

Other Insurers in Spain

SegurCaixa Adeslas

private

83.9

/ 100

AXA Salud

private

/ 100

Generali Salud

private

/ 100

Sanitas (Bupa)

private

64.9

/ 100

Asisa

private

39.1

/ 100

Ready to get covered?

Get a personalized quote from DKV (ERGO/Munich Re) today.

Get Free Quote→