DKV Profesional. The combined insurance for you

  • Insurance that can include four policies in one.
  • It combines all the insurance cover you need - health, income, accident and death - in a single policy.
  • And if you’re self-employed, you’ll always have an additional 5% discount in Health insurance.
  • Customise your insurance by choosing a module or combine them in any way you like.
  • Dental service included.
  • Unlimited consultations by video call or chat with general practitioners and specialists via the app "Quiero cuidarme Más".
  • From €7/month.
Further information
THERE ARE ONLY BENEFITS

The multiple-cover insurance designed specially for you

Segment_A_Profesional

I want an insurance policy that meets all my needs, but without paying more."

  • Access to our extensive medical directory.
  • You will have access to eight of the top 10 private healthcare providers in Spain: Clínica Universidad de Navarra, Universitario Quirón Madrid, Ruber Internacional, Quirónsalud Barcelona...
  • Chat and video consultations with a doctor in the main specialities.
  • Adapt the insurance policy to your needs, with the cover you really need.
  • Avoid waiting lists and get the highest quality treatment.
  • Dental cover included.
Segment_B_Profesional

As I am self-employed, I need to have all my insurance policies in a single bill".

  • Access to our extensive medical directory.
  • You will have access to eight of the top 10 private healthcare providers in Spain: Clínica Universidad de Navarra, Universitario Quirón Madrid, Ruber Internacional, Quirónsalud Barcelona...
  • Chat and video consultations with a doctor in the main specialities.
  • If you’re self-employed, you’ll always have an additional 5% discount on health insurance.
  • Daily compensation for sick leave due to illness and/or an accident.
  • Do all your procedures online.
Segment_C_Profesional

I'm looking for a family health insurance plan that provides the best coverage."

  • Access to our extensive medical directory.
  • You will have access to eight of the top 10 private healthcare providers in Spain: Clínica Universidad de Navarra, Universitario Quirón Madrid, Ruber Internacional, Quirónsalud Barcelona...
  • Chat and video consultations with a doctor in the main specialities.
  • General and paediatric emergencies, with no overcrowded waiting rooms or waits.
  • To reduce the costs of protecting your family, you will have a discount of up to 12% on your family insurance.
  • Dental cover included.
THE MOST FLEXIBLE INSURANCE
Combine your insurance policies according to your needs and combine them in a single bill.
Cover and services

What cover and services does DKV Profesional insurance provide?

With DKV Profesional you can set up a tailor-made insurance, and pay only for the services you need. Choose the modules you like and combine them in a single policy.

Available modules, combine them in any way you like

Health

Module A

  • General medicine at a clinic and at home.
  • Paediatrics and childcare.
  • Ambulance service.
  • Basic clinical analyses.
  • Medical and paediatric emergencies.

Module B

  • All specialities: Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests
  • Treatments in the clinic.
  • Chiropody, physiotherapy and rehabilitation with no limit of sessions or waiting periods.
  • Respiratory rehabilitation in COPD and COVID-19 or coronavirus sequalae.
  • PET/MRI in oncology.
  • Home therapy for obstructive sleep apnea.
  • 20 sessions per year of psychotherapy, and 40 sessions in cases of eating disorders, school bullying, work-related stress and gender-based or domestic violence.
  • 20 sessions per year with a nutritionist for the treatment and management of obesity.
  • 3D Mammogram.
  • 3D/4D ultrasound during pregnancy.

Module C

  • Hospitalisation with no limit to the number of days (except for psychiatric treatment, max. 60 days/year).
  • Extensive transplant coverage.
  • Compensation for hospitalisation when the costs are not borne by DKV (€80/day, maximum €2,400).

Income

  • You will receive a daily payment for sick leave due to illness and/or an accident, occurring during your private or professional time.
  • Option to choose the daily amount that you want to receive while you are on sick leave.
  • We guarantee the prompt payment of compensation.

Funeral

  • Financial support to cover funeral expenses.

Accidents

  • To cover unforeseen events that may occur, in the event of death or permanent disability due to an accident.

Regardless of the module you take out, you will have access to the following coverage

Pack your suitcases worry-free

You will be covered for up to 20,000 euros on journeys of up to 180 days. One of the highest limits on the market.

Smile

Unlike other health insurance policies within the sector, yours will include dental service cover.

Contact a doctor on your mobile phone

  • Check your symptoms and tell your doctor about them.
  • Video consultation and chat to speak to a doctor anytime, anywhere: general medicine, paediatrics, gynaecology, dermatology, traumatology, psychology, endocrinology, allergology, digestive system, cardiology, psychiatry, rheumatology, pain treatment, pulmonology, neurology, angiology, general surgery and otolaryngology, and with longer opening hours!
  • Ask the digital midwife any questions about pregnancy, the postpartum period and breastfeeding.
  • Electronic prescription so you can go straight to the pharmacy without visiting the practitioner.
  • Analytical and imaging test requests, as well as medical reports and results, in your health folder.
  • Have all your medical reports, diagnostic tests and analyses on hand in your digital health folder.
  • Coach: chat with a specialist who will help you to implement lifestyle changes, such as quitting smoking, losing weight or increasing physical activity, among others.
  • Free and unlimited service. 

Medical phone lines

Free medical helplines for paediatrics, childhood obesity, nutrition, pregnancy, women's health, tropical medicine, sports medicine and psychological and mental health.

Second medical opinion

If you want to compare the diagnosis of a serious illness and need a second opinion, look no further.

Medical care in accidents

If you have any kind of occupational or traffic accident, don't worry, we will help you.

DKV Club de Salud y Bienestar discounts

You will have access to the entire catalogue of health and well-being services at lower-than-market prices. Cosmetic services, assisted reproduction, nutrition, sports medicine, and care services for elderly people in residences and at home, and babysitting service.

Services against COVID-19

Because our main concern is to help flatten the infection curve, we have many initiatives and services in place to help our customers and society in general.

Prevention plans
Taking an antigen test at trusted centres as an additional diagnostic support service, always under medical prescription, as well as a PCR test when presenting symptoms or due to close contact with a positive patient. In addition, you can request it via a specific WhatsApp channel.
Cover included in the health policy
Respiratory rehabilitation due to COVID-19 or coronavirus sequalae. Maximum 10 sessions/year in children under 10 years of age, and 3 sessions/year in adults.
Telemedicine services
COVID symptom checker, 24h chat and unlimited video consultations with medical specialists with longer schedules via the Quiero cuidarme Más app.
Psychological support
We offer psychological support for customers admitted to hospital due to COVID-19.
Customer service
We want to answer your queries and help you carry out some of the main procedures with your insurance from home, using our WhatsApp service, over the phone or via the private customer area.
Additional services at lower-than-market prices
If the doctor considers that it is not necessary for you to request a PCR test or an antigen test due to your symptoms or contact, but you wish to take it anyway, as a DKV customer you can take this test and others through the DKV Health and Wellbeing Club.
Accurate and up-to-date information
Current medical content on COVID with the latest news on prevention measures, symptoms, treatments and future vaccine. Available in our Quiero Cuidarme blog.
Digital health

At DKV, we work to make your life easier

Health insurance that you can use, even without going to the doctor. Carry a doctor in your pocket with the Quiero Cuidarme Más app and manage your health from a single app. For procedures related to your policy, go to the Customer Area, where you can see and process any formality without leaving home. In addition, in line with our objective of taking care of society's health, we are providing you access to our health blog with professional activities written by our medical team.

Quiero Cuidarme Más App

Quiero Cuidarme Más App

It is a digital health platform that enables you to manage the most important aspects of your health: you will receive private and confidential medical advice by phone or video call with specialists and a 24h chat, where you can also immediately check your symptoms and receive a diagnosis.In addition to offering self-care plans, online medical appointments, a health folder to receive and store your medical reports, electronic prescriptions without going to a consultation, coach to help you improve your habits, and digital midwife service to monitor your baby's postpartum and care.

Customer area

Customer area

Our customer-oriented digital solutions have all the features you need to quickly and smoothly carry out your own procedures in a quick and efficient way from a single location, Customer area.. Sit back and enjoy your health! 

Quiero Cuidarme blog

Quiero Cuidarme blog

The DKV blog from which to learn how to take care of yourself with health advice for all the family: food, sport, child health, pregnancy, prevention, leisure and emotional well-being.

  • Tips for a healthy diet and doing exercise
  • Professional articles written by our medical team
  • Emotional well-being guidance service
  • News on health, prevention and COVID-19
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FULL DETAILS ON DKV PROFESIONAL

Terms and conditions, coverage and documentation

Waiting periods

You can enjoy the DKV Profesional services from day one. Only the following services have waiting periods:

  • Hospitalisation and surgical procedures (including prostheses): 6 months
  • Gait analysis: 6 months
  • Childbirth, except for premature deliveries: 8 months
  • Transplants: 12 months

Copayments and modalities

The copayment is an amount you have to pay when you use certain services.

Choose the type the suits you best, from:

Terms and conditions of the contract

Any insurance policy must start with a commitment. Because your health and needs change over time, check if your insurance meets these needs. These are our commitments towards you.

  • Highest age for taking out insurance on the market: up to the age of 75, in an individual policy.
  • We will not raise the price based on the way you use it.
  • We commit to not cancelling your policy after the third year.
  • Because your family's health matters to us, benefit from a 7% discount if you are 4 insured persons, or 12% if you are 5 or more.
  • If you pay annually, you'll receive an additional 7.5% discount.

Download the documentation

Information about the DKV Profesional insurance:

  • DKV Profesional sales brochure: Discover everything that your medical insurance offers you: cover, additional services, digital health and prevention programmes.​
  • Terms and conditions of the contract: The aim of this document is to give a clear and simple response to some of the aspects included in the insurance.
  • Insurance information: Standard document with summarised information that will help you compare with other companies' health insurance policies for professionals.
  • Terms of the promotion: Special promotion for taking out new DKV Profesional policies for 2021.