Health insurance for SMEs

Health insurance for companies with between 3 and 50 employees, DKV Pymes

DKV Pymes

I like taking care of my team's health

  • Increase your company's competitiveness
  • Discover why it's a profitable investment.

Take advantage of tax breaks

100% deductible for the company as an employee expense

Create loyalty and motivation

For all staff: it's the social benefit employees value most

Reduction in workplace absenteeism.

Access to private healthcare, without waiting lists

Online procedures

Reduces travel and/or absences from work

Did you know that it is more profitable to take out a health insurance policy for your employees than to increase their salaries by the equivalent amount?

At DKV Seguros with DKV PYMES health insurance we help you to find the solution that best suits the needs of your company or SME.

Health insurance, as a work motivation solution

  • It improves the company's image. Reinforces the internal CSR policy and adds value to the most human side of your business.
  • Attract, retain and build loyalty with key personnel. Employees feel their efforts are reciprocated, as the company shows its concern for both them and their families.
  • Increases motivation among employees. Provides them with access to private healthcare with greater freedom of choice and speed.
  • Reduces absenteeism at work. Easy access to private healthcare improves employees' attendance levels.
  • Improves your employees' working environment. Shows that you care about your employees and their wellbeing.
  • It has tax advantages. You will be able to deduct the amount you pay on premiums from your corporation tax.
  • Salary negotiation tool. Because of the saving it represents with respect to a salary increase of the same amount.
  • It increases the productivity of your business. A healthy and happy employee produces more.

We adjust our products to your health needs

  • DKV Pymes Especialistas Medical Assistance Insurance with direct access to DKV Seguros' medical directory with no copayment
    • Medical and surgical specialities
    • Diagnosis
    • Treatments in the clinic
  • DKV Pymes Integral Medical Assistance Insurance using DKV Seguros' medical directory
    • Primary care and 24h medical emergencies
    • Medical and surgical specialities
    • Diagnosis, hospitalisation and surgery resources.
    • Two categories: Classic (with copayment) and Elite (without copayment)
  • DKV Pymes Mundisalud Mixed health insurance with a free choice of practitioner throughout the world, refunds of up to 90% and assistance from DKV's medical directory.  
    • Primary care and 24h medical emergencies
    • Medical and surgical specialities
    • Diagnosis
    • Hospitalisation and surgery

Benefits for your business:

  • Expense of health insurance for employees and family members paid for.
  • 100% deductible from corporation tax as an employee expense.
  • Special prices depending on the number of employees.

Benefits for your employees:

  • Exemption limited to Euros 500 year/person. Limit can be extended to Euros 1,500 in the event of disability.
  • No limit on the number of people.
  • Advantageous contracting terms and conditions: getting rid of periods of absence (except for maternity leave) for all employees.
  • No contribution for visits. No types of surcharge on the premium offered.
  • Dental service included in the premium.

Discounts according to number of employees

SMEs from 3 to 15 insured persons

  • 10% discount in 2019. And more discounts until 2022!

 Discount for Barcelona and the Balearic Islands

 Discount for the rest of Spain

SMEs from 16 to 25 insured persons

  • 10% discount for life.
  • Plus an additional 10% discount in 2019. And more discounts until 2022!
  • Improved conditions: we take on non-serious pre-existing conditions, following a health declaration. 

 Discount for Barcelona and the Balearic Islands

 Discount for the rest of Spain

SMEs from 26 to 50 insured persons

  • 20% discount for life.
  • Plus an additional 10% discount in 2019. And more discounts until 2022!
  • Improved conditions: we take on non-serious pre-existing conditions, without a health declaration.
  • With the ability to contract a weighted premium.  

Do you want us to call you?

You'll be given all the information you need, with no obligation on your behalf

Miniature

Why DKV

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.

More information

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.