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.
  • Also, unlimited video consultation via our app "Quiero cuidarme más", with these specialties: general medicine, paediatrics, gynaecology, dermatology, traumatology, psychology and endocrinology.
  • From 17 EUR/month.
More 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 qualifying periods.
  • 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.

Funerals

  • 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 and endocrinology.
  • Ask the digital midwife any questions about pregnancy, the postpartum period and breastfeeding.
  • 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 assist you.

DKV Health and Wellbeing Club discounts

You will have access to the entire catalogue of health and well-being services at lower-than-market prices.

Terms and conditions of the contract

Any insurance policy must start with a commitment

And health is not just different for each of us. It also changes over time. This is why it is a good idea to periodically review your insurance and check whether it is still fully adapted to your needs at any time.

Peace of mind
Highest age for taking out insurance on the market: up to the age of 75, in an individual policy
Commitment
We want to offer you insurance that lasts a lifetime, whatever happens. In other words: We won't increase the price because you use your insurance too much, and after the third year, we won't cancel it either.
Savings
To reduce the costs of protecting your family, you will have a discount of up to 12% on your family insurance.
Advantages
If you pay annually, you'll receive an additional 7.5% discount
Digital health

At DKV, we work to make your life easier

Health insurance that you can use even without going to the doctor's office, as you can carry out all your procedures from your mobile phone. Download our apps and rediscover the world of health.

Digital Doctor app

Digital Doctor app

You will also have access to Digital Doctor, an app that lets you talk with a doctor by phone, video call or chat. Getting a first medical opinion has never been so simple.

Quiero Cuidarme Más App [I want to take better care of myself App]

Quiero Cuidarme app

It is a digital health platform that enables you to manage the most important aspects of your health: selfcare, 24-hour medical assistance, health diary, health file, coach, digital midwife and much more.

DKV health insurance app and Customer area

DKV medical directory app

Our customer-oriented digital solutions have all the features you need to quickly and smoothly carry out your own procedures. Sit back and enjoy your health!

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Find the nearest doctor from over 40,000 specialists and 1,000 healthcare centres in the medical directory of your private insurance policy.

FULL DETAILS ON DKV PROFESIONAL

Terms and conditions, coverage and documentation

Grace 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:

  • With contribution: Complet, Plus, Classic
  • No contribution: Elite

Download the documentation