When on work leave, enjoy the support of your income insurance with a provision for illness and/or accident, as well as for childbirth.
Daily compensation for temporary disability.
Compensation in the event of hospitalisation, surgical procedure and childbirth.
Receive your money in the days following receipt of your medical discharge certificate
Medical guidance and additional health services.
Customers satisfied with the income insurance
If the leave granted is due to childbirth or adoption you will receive 20 times the contracted quantity of money.
As a self-employed worker, the first €500 for the work leave insurance are exempt from Personal Income Tax.
As a health insurer, we will provide you with 24h medical helplines and a second medical opinion.
All the details about DKV Renta
Learn about the cover and services included in your work leave insurance
Cover and services
DKV Renta offers a daily compensation in the event of medical leave due to an illness and/or accident, incurred during work or leisure time.
Daily compensation for temporary disability and/or accident
Being ill or suffering an accident will no longer involve losing money; you will be able to continue your lifestyle, as you will have the capacity to meet your business' expenses.
Benefit for childbirth
If your medical leave is due to childbirth or you are in process of adoption, you will receive up to 20 times the compensation taken out in your income insurance.
Compensation for hospitalisation due to illness and/or accident
For every day that you are hospitalised, you will receive a compensation as of the first 24 hours up to 365 days later.
Cover in the event of medical leave due to COVID-19
If you have tested positive for COVID-19, you will be covered throughout the entire leave, according to the complication and required medical care.
Receive a compensation based on the type of intervention.
Total permanent disability
If an accident or illness covered by the policy leads to total permanent disability, we guarantee the payment of the contracted capital.
Medical assistance in the event of an accident
You will be covered for all the medical expenses you may need due to an accident.
A 24h medical helpline and a 24h paediatric helpline to take care of your children's health at any time. The widest range of specialist helplines on the market: medical helpline for pregnancy, nutrition and childhood obesity, among others.
Second medical opinion
Have the peace of mind of receiving the best possible treatment with a second medical opinion in the event of a serious illness.
Added healthcare services
Enjoy access to a catalogue of health and well-being services at the best price: hearing aids, surgery for short-sightedness and long-sightedness, plastic surgery, assisted reproduction, biomechanical gait analysis, opticians and chiropody, parapharmacy, etc.
It is the period of time that has to elapse from the date the policy enters into force until the policy's guarantees become effective.
All provisions can be used from day one, except for:
Illness, hospitalisation and surgery: 2 months
Total permanent disability: 3 months
Pregnancy, abortion, childbirth and puerperium: 8 months
With the DKV Renta insurance, when the leave is due to an accident, no waiting period will apply.
We adapt the insurance to you, so you can choose the daily amount you want to receive for the days you need to fully recover.
In addition, you can choose what day you want to start receiving the money. How about from day one?
Information about the DKV Renta insurance
Download the documentation of the income insurance
Know everything about your income insurance: cover, additional services, advantages and digital health.
Nuestro compromiso, ofrecerte un seguro para toda tu vida laboral. Las condiciones generales te permitirán conocer con detalle el marco del contrato al aceptar este seguro. Throughout the document we explain most of the questions that can arise when using your income policy.
Standard document with summarised information that will help you compare our income insurance with other companies.
Any insurance policy must start with a commitment
Terms and conditions of the contract
This income insurance can be taken out by people between 16 and 64 years of age.
Except for the Total Permanent Disability guarantee, which ends when the insured person reaches 65 years of age, the income insurance ends at 70.
The insurance contract is renewed automatically every year. We will inform you on your policy's new features with enough time before it expires, so you can make a decision.
Payment of the compensation corresponding to the contracted capital times the total number of days on work leave due to pathology established in the scale.
Our customers' opinion is very important to us
What do people think about the DKV Renta insurance?
Once you have covered your care in the event of work leave
Complementary insurance that may interest you
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DKV Famedic Profesional
An insurance that helps professionals take care of their health and their family without neglecting their business.
DKV Renta Baremado
Benefit insurance for self-employed workers with a compensation as soon as you are on work leave, according to a scale.
We want to improve what surrounds us! With our four causes.
Are you one of us?
Actions that fight against reducing overweight figures in children.
We are a Zero CO2 emissions company. Our planet needs us, and we work towards protecting and recovering it.
We no longer want to be mothers, but MalasMadres, which is why we are launching #LaHoraDeCuidarse
At the DKV Integralia Foundation, we work towards the social and professional integration of all people.