DKV Profesional

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

Learn about DKV Profesional insurance

We provide the most comprehensive health insurance

  • Customised healthcare
  • Health, Income, Accidents and Funerals

Shall we call you?

Find your closest practitioner or medical centre

With more than 40,000 medical professionals and 1,000 medical centres.

Preventive medicine

Free and remote preventive plans..

24-hour medical lines

Medical advice by phone, at any time.

DKV Integralia Foundation

For the occupational integration of people with functional disabilities.

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
  • Funerals

Health Module

Choose the sub-modules best suited to you.

Module A

  • General medicine and paediatrics in clinic and at home.
  • Medical and paediatric emergencies.

Module B

  • General medicine, paediatrics and the most in-demand medical specialities.
  • 20 sessions per year of psychotherapy, and 40 sessions for cases of eating disorders, school bullying, work-related stress and gender-based violence.
  • 20 sessions per year with a nutritionist for the treatment and management of obesity.
  • Next-generation tests: 3D mammogram, 3D/4D ultrasound scans during pregnancy.
  • Various preventive programmes and diagnostic tests without a waiting period.

Module C: Hospitalisation

  • Hospitalisation without a limit of days.
  • Comprehensive transplant coverage.
  • Indemnity for 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.
  • Special prices for being self-employed.
  • We commit to not cancelling your policy from the 3rd year.
  • Second medical opinion.
  • 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.
  • We guarantee prompt payment of compensation.

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).
  • The latest diagnostic methods:
    • 3D mammogram to detect tumours at early stages.
    • Magnetic resonance enterography and computed tomography to study Crohn's disease (and intestinal inflammation illness).
    • Diagnosis of coeliac disease: genetic study for people with symptoms of the illness and that fulfil certain requirements.
    • Anti-Mullerian Hormone in fertility studies.
    • 3D/4D ultrasound during pregnancy.
  • New therapeutic provisions:
    • We are doubling speech therapy sessions from 10 to 20 per year for re-education in speech disorders and language among children.
    • Pelvic floor rehabilitation increased to 10 sessions post-partum.
    • We are offering double the number of sessions for psychotherapy (from 20 to 40) in cases of cyber bulling and occupational stress.
    • Nutritionist for the treatment and control of obesity.
  • Hospitalisation and surgery:
    • Extension of prostheses: ossicles, transtympanic drainage and digestive stents.  
    • Da Vinci robotic surgery for localised and organ-confined prostate cancer.
    • We are offering double the number of sessions for psychotherapy (from 20 to 40) in cases of cyber bullying and occupational stress.
  • Other new features in coverage and services:
    • Extension of the psycho-emotional line from 3 to 6 calls/year.  
    • Management of chronically ill patients and serious illnesses.
    • Dental health programme for pregnant women.
    • DKV Health and Wellbeing Club New Services
  • The latest in Digital Health:  
    • With 'Quiero Cuidarme Más', available from 15 November as an app and online, you can access all the digital health services offered by DKV for free, forever.
  • 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 surgery (including prostheses): 6 months
    • Childbirth (except for premature births): 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

For the occupational integration of people with functional diversity.