DKV Profesional health insurance

Personalised health insurance to which you can add income protection, funeral insurance, and/or accident insurance

Find out about the 20/50 Plan

We offer you the most comprehensive health insurance, with large discounts!

  • Customised healthcare
  • Health, Income, Accidents and Funerals
  • Discounts until 2022

Shall we call you?

Find your closest practitioner or medical centre

Con más de 29,000 profesionales y 1,000 centros médicos.

Preventive medicine

Free and remote preventive plans..

24-hour medical lines

Medical advice by phone, at any time.

Online records

Log into the customer area to manage your account online.

With DKV, take greater care of your family's health and pay less for your insurance

An insurance with the widest range of coverage and services. With this insurance, you can combine all your insurance policies (health, income and/or funeral insurance) in a single bill and at special rates.

It is a multiple coverage insurance that provides the option of combining different types of insurance according to the customers' needs and grouping them in a single bill.

You can combine the following policies:

  • Health: Medical directory product (DKV Modular/DKV Integral)
  • Income: DKV Renta/Renta Baremado
  • Accidents
  • Funeral

Health Module

Choose the sub-modules best suited to you.

Module A: Primary care

Module B: Specialist

Module C: Hospitalisation

All health modules include:

  • The best worldwide travel assistance in the market in the case of an emergency: up to 180 days and a maximum limit of 20,000 euros.
  • Dental health service included at no additional cost with over 53 free procedures.
  • Access to the Health and Well-being Club: discounts on capillary prostheses in cancer treatment, presbyopia surgery, biomechanical gait analysis, postpartum home care, etc.
  • Medical telephone helplines: sports, paediatrics, women, childhood obesity, nutrition, pregnancy, tropical and psych-emotional.

Income module:

  • Receive a daily compensation for sick leave due to an illness and/or an accident, whether suffered during your private or professional life.
  • Option of choosing the daily provision that you want to receive while on sick leave.
  • Option of contracting the Renta Clásico or Baremado modality.

Accidents Module: In the event of an accident, you will be entitled to compensation to cover any unforeseen expenses.

Death Module: In the event of death, you are also guaranteed payment of compensation to cover funeral services.

  • Tailor-made: It combines the health, accident, income, and death covers in a single insurance
  • Flexibility: It allows customising the product by choosing a module or combining them.
  • Speed: The average waiting time in Spain for a surgical procedure is 115 days and for a specialist 72.
  • Better care: Allows to choose the time that best suits each person, without waiting lists and with access to a greater number of services that are not covered by public healthcare (dental coverage, physiotherapy, a second medical opinion, etc.).
  • Time saving: You do not need to go to your family doctor to ask for an appointment with a specialist doctor (contracting module B).
  • Choice: Option of choosing a practitioner within the DKV affiliated medical directory.
  • Quality: Including a medical directory with over 24,000 professionals and 1,000 medical centres, such as the Teknon clinic, the Quirón Hospital Group and the Ruber clinic, among others.
  • Online proceedings: Authorisations, contracting, appointment requests for certain tests, etc.
  • Comfort: Hospitalisation with a single room with a bed for the accompanying person (contracting module C).
  • Lo último en medios de diagnóstico:
    • Mamografía 3D para detectar tumores en estadios iniciales.
    • Enterografía por resonancia magnética y tomografía computerizada para el estudio de la enfermedad de Crohn (enfermedad inflamatoria intestinal).
    • Diagnosis of coeliac disease: genetic study for people with symptoms of the illness and that fulfil certain requirements.
    • Hormona antimulleriana en estudios de esterilidad.
  • Nuevas prestaciones terapéuticas:
    • Duplicamos de 10 a 20 las sesiones/año de logopedia para la reeducación de los tratamientos del habla o el lenguaje en el niño.
    • Ampliación a 10 sesiones la rehabilitación del suelo pélvico después del parto.
    • Te ofrecemos el doble de sesiones de psicoterapia (de 20 a 40) en caso de ciberacoso y estrés laboral.
  • Hospitalización y cirugía:
    • Ampliación de prótesis: osicular auditiva, drenajes transtimpáticos y stents digestivos biliares.  
    • Cirugía robótica Da Vinci para cáncer de próstata localizado y órganos-confinado.
    • We offer the double number of psychotherapy sessions (from 20 to 40) for cases of cyberbullying and work-related stress.
  • Otras novedades en coberturas y servicios:
    • Ampliación de la línea psicoemocional de 3 a 6 llamadas/año.  
    • Gestión de enfermos crónicos y enfermedades graves.
    • Programa de salud dental para embarazadas.
    • Nuevos servicios DKV Club de Salud y Bienestar
  • Lo último en Salud Digital:  
    • Con " Quiero Cuidarme Más" disponible a partir del 15 de Noviembre en formato app y web, puedes acceder de manera gratuita y para siempre a todos los servicios de salud digital que DKV ofrece.
  • You can take out a policy up to the age of 75
  • You will get a 7% discount for annual payment
  • Discounts for families:
    • 7% if there are four insured parties.
    • 12% if there are five or more insured parties.
  • Policy non-cancellation pledge from the third year.

In some cases, in order to access certain guarantees, you have to wait for a certain amount of time before you can begin to enjoy the benefits of your policy.

  • With the DKV Profesional insurance, all provisions can be used from day one, except for the following services which have grace periods:
    • Hospitalisation and surgical procedures (including prostheses): 6 months
    • Childbirth (except for premature deliveries): 8 months
    • Transplants: 12 months

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Because we are a socially responsible company, committed to protecting the environment and supporting social causes and, with our insurance cover and services, we work to build a healthier world.

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Experts in health and prevention

We give you what you need for all-round wellbeing.

We promote the digitisation of healthcare

To make it easier for you to look after yourself.

Committed to the health of society

We contribute to its improvement responsibly.

DKV Integralia Foundation

Para la integración laboral de personas con diversidad funcional.