ASISA vs DKV: Spanish Visa Health Insurance 2026

ASISA vs DKV: at a glance

Price: ASISA is the more affordable starting point

ASISA Health Residents is publicly priced from €42.88/month — one of the lowest published from-prices among the main visa-compliant insurers operating in Spain. DKV Visado starts from €57/month, a difference of approximately €14/month or around €168 per year at entry level.

For a visa applicant primarily seeking to meet the consulate requirement at the most competitive price, ASISA's headline advantage is straightforward. The 12-month contract structure is the same on both sides, the payment terms are identical (full upfront), and neither insurer offers an advance contracting window beyond 90 days. The structural features are comparable — so the price difference is not hidden behind contract asymmetries.

That said, from-prices are entry-level benchmarks. Your actual premium depends on your age, province, and underwriting outcome. Confirm via personalised quote before making any decision based on from-price alone.

Repatriation: ASISA confirmed, DKV unclear

For applicants moving abroad long-term, repatriation cover — the cost of returning remains to your home country in the event of death — is a component that matters both practically and sometimes as a consulate requirement.

ASISA includes repatriation as a confirmed element of its Health Residents policy. There is no ambiguity on this point. DKV's Visado product documentation does not clearly confirm repatriation as standard cover. This may reflect a documentation gap rather than an absence of cover, but the practical consequence is the same: applicants considering DKV should verify this point explicitly before purchasing.

For an applicant where repatriation cover is important — either for personal peace of mind or because their consulate specifically requires it to be stated in the policy — ASISA is the clearer choice of the two.

Maximum joining age: the decisive factor for older applicants

ASISA Health Residents has a maximum joining age of 70. DKV Visado accepts applicants up to age 75. For applicants aged 70 and under, both insurers are accessible and the age ceiling is not a deciding factor. For applicants aged 71, 72, 73, 74, or 75 — the decision is made for them: only DKV is accessible of these two insurers.

Applicants in their late 60s who are planning a future move should also be aware of this ceiling. If you are 68 now and plan to apply for a visa at 71, ASISA will not be an option. Planning ahead for which insurer you will need is worth doing at this life stage.

Hospital network: ASISA's HLA infrastructure

ASISA's link to HLA Grupo Hospitalario is one of its most concrete differentiators. HLA owns 18 hospitals and 20 medical centres, concentrated in Madrid, Sevilla, Huelva, Cádiz, and Zaragoza — plus access to a broader contracted national network. For ASISA policyholders in or near these cities, HLA gives them access to owned hospital-level care through their insurer group, with consistent standards managed within the same ecosystem.

DKV has a substantial contracted network — 51,000+ professionals and 1,000+ centres across Spain — but its own facilities are the DKV Espacios de Salud, which are health centres rather than full hospitals. For inpatient surgical care or complex hospital-level procedures, DKV policyholders use contracted hospital partners.

For routine GP, specialist, and outpatient care, both networks perform adequately across major Spanish cities and coastal areas. The owned hospital advantage of ASISA's HLA link is most relevant for applicants who specifically want hospital-level infrastructure within their insurer's own group — and for those moving to or near Madrid, Sevilla, or Zaragoza in particular.

Financial backing: DKV's Munich Re parentage

DKV sits within the ERGO Group, which is itself a subsidiary of Munich Re — one of the largest and most financially robust reinsurance companies in the world. For applicants who consider insurer financial strength an important factor, DKV's Munich Re backing is a genuine advantage over ASISA.

ASISA operates within the Espriu Foundation cooperative ecosystem — a well-established, financially stable Spanish healthcare cooperative structure with roots going back to 1957. It is a credible and reputable organisation with a long track record in the Spanish private health market. But the scale of Munich Re's financial capacity is simply not comparable — and for applicants making long-term healthcare commitments, the difference in financial backing is worth acknowledging.

Preventive health and digital tools: DKV's focus

DKV has a genuine and distinctive commitment to preventive health — a focus that sets it apart from most Spanish private insurers. The MyDKV app combines clinical appointment booking with health monitoring, wellness tools, and preventive health programmes. The Ecobono programme rewards healthy and environmentally responsible behaviours. These features have no direct equivalent in ASISA's offering.

ASISA's focus is more traditional — strong hospital network access, confirmed coverage, and competitive pricing — rather than digital health innovation. For applicants who value preventive medicine tools and want to actively engage with digital health features, DKV offers a more developed platform. For applicants who primarily want reliable clinical cover at a good price, ASISA's simpler approach is not a disadvantage.

Who should choose ASISA?

Who should choose DKV?

The honest comparison

These are two structurally similar policies — same contract length, same payment terms, same 90-day advance contracting window, same certificate timeline. The honest differences come down to price, repatriation, age ceiling, and hospital infrastructure.

For applicants aged 70 and under, ASISA presents the stronger value case: a lower from-price (€42.88 vs €57/month), confirmed repatriation, and 18 owned HLA hospitals. DKV is more expensive at entry level, has unconfirmed repatriation documentation, and relies on contracted rather than owned hospital infrastructure. The only meaningful thing DKV adds for younger applicants is its preventive health focus and Munich Re backing — both real, but secondary to the core coverage comparison.

For applicants aged 71–75, DKV is the only viable choice of these two. ASISA's 70-year ceiling is a hard cutoff. There is no case-by-case flexibility on this point. If you are 71 or older and comparing these two insurers, the decision is made for you.

Frequently asked questions

Pricing shown is sourced from each insurer's own published pages and is accurate to the best of our knowledge at the time of publication. Premiums are individually underwritten and confirmed at quote stage. Always verify current terms directly with the insurer or your specialist before purchasing.