🇪🇸DKV: Activa DKV App and Using Your Medical Insurance Policy

Concept

DKV Seguros y Reaseguros, Sociedad Anónima Española is a Spanish insurer licensed by the Dirección General de Seguros y Fondos de Pensiones (DGSFP). A DKV policy (Activa DKV or equivalent) is one of the standard medical coverage options for Spanish immigration files under the Digital Nomad Visa program.

🍓 A DKV policy in an immigration file has a narrow function: it confirms medical coverage equivalent to the Spanish national healthcare system. It is not proof of income, tax residency, or entitlement to a residence permit—it is specifically the medical component of the document package.

What UGE Requires from an Insurance Policy

Unidad de Grandes Empresas y Colectivos Estratégicos (UGE) is the body within Inclusión, Seguridad Social y Migraciones that processes Digital Nomad Visa applications. Requirements for an insurance policy:

• Medical coverage in Spain for the entire duration of the permit;
• Coverage comparable to the Spanish national healthcare system;
• Without significant co-payments, waiting periods, or coverage limitations;
• The policy must be issued in the name of the specific applicant and family members in the immigration file.

UGE explicitly states that the following are not accepted:

• tourist insurance;
• reimbursement-only policies;
• policies with significant co-payments;
• policies with waiting periods.

DKV as a Provider

DKV is a major Spanish insurer with share capital and regulatory supervision by DGSFP. It is accepted by UGE when the coverage program is properly selected. The standard product for immigration is Activa DKV or an equivalent program without co-payments and waiting periods.

What to Check in Your Policy

• List of insured persons — must match the family composition in the immigration file;
• Validity period — must cover the permit period (typically 1+ year);
• Coverage — sin copagos, sin carencia (without co-payments, without waiting periods);
• Territory — Spain and preferably EU/Schengen;
• Availability of insurance certificate — for attachment to the immigration file.

Where DKV Is Suitable

• primary applicants for Digital Nomad Visa and their family members;
• Spanish residence permit programs requiring medical coverage;
• families with children and parents (DKV covers different age categories).

Where It Is Not Suitable / What to Watch Out For

• if the applicant already has medical coverage through an employer under an applicable legislation certificate — DKV may not be required;
• for self-employed (autónomos) under Digital Nomad Visa, social insurance (RETA) partially replaces an insurance policy, but UGE may additionally require private cover;
• if the policy contains copago or carencia — UGE may refuse it.

Related Materials

• Spain Digital Nomad Visa: regime for remote workers — main article
• Asisa: app, policy card, booking doctors and emergency care — alternative insurance provider
• Spain Entry Declaration — another part of the immigration package
• Beckham Law: Spain's special tax regime — tax regime after obtaining residence permit