DKV Renta allowance insurance

When on sick leave, you can fall back on your income protection insurance.

  • 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 discharge certificate.

  • Medical guidance and additional health services.

From €3/month

Briefing note

Customers satisfied with the income insurance

Satisfied customers

If the leave granted is due to childbirth or adoption you will receive 20 times the contracted quantity of money.

Taking out the insurance
100 days

We have the most extensive scale on the market: 100 days in the event of a heart attack and between 10 and 40 days in an ankle sprain.

Video consultation and chat with specialists

As a health insurer, we will provide you with 24h medical helplines and a second medical opinion.

Taking out insurance by phone

Take out your benefit insurance policy

Call us FREE OF CHARGE with no strings attached at 974 887 002 so an expert informs you and helps you during the process, or fill out the following form to receive all the information on work leave insurance and its price.

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.


Basic cover

  • 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.

Optional cover

  • Surgical procedure

    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.

Additional services


  • Medical helpline

    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 line 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.

Waiting periods

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.

Compensation modality

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

Any insurance policy must start with a commitment

Terms and conditions of the contract

Age for taking out insurance
Contracting flexibility

This income insurance can be taken out by people between 16 and 64 years of age.

Download the documentation
Beside you beyond retirement

Except for the Total Permanent Disability guarantee, which ends when the insured person reaches 65 years of age, the income insurance ends at 70.

Conditions of use
We are transparent

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.

Taking out the insurance
We think about your needs

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.


We resolve your queries about our work leave insurance

What is work leave insurance?

It is an insurance that guarantees you a financial provision. It will be applied if you experience a temporary incapacity to work that prevents you from doing your usual job. This can be caused by an illness or an accident. The provision varies according to the insured capital.

What is insured under a work leave policy?

  • Income insurance guarantees temporary disability. Covering the worker's loss of income due to an illness or accident

  • Hospitalisation. For every day that you are hospitalised, you will receive a compensation as of the first 24 hours up to 365 days later

  • Legal intervention. DKV Seguros guarantees the insured person a single financial provision. The amount is calculated by applying the insured capital for the cover of surgical procedures reflected in the special terms and conditions

  • Total and permanent disability. Total and permanent disability is the irreversible physical situation caused by an illness or accident

  • Medical assistance in the event of an accident. Provided that they are derived from an accident covered by the policy.

What is the duration of the work leave insurance?

The duration of the contract stipulated in the policy is annual and can be extended, but the payments may be made monthly, quarterly or every six months.

What happens if your working situation or professional activity changes after taking it out?

You should notify us of the change in your situation as soon as possible to be able to recalculate the insurance premium according to the new activity, which may represent an increase or decrease in the price depending on the level of risk that this new activity represents. This way we will avoid any problems or confusion during the claims procedure.

When does the cover start and end?

  1. Once the contract has been signed and the first instalment has been paid, it will take effect and end on the dates established in the specific terms and conditions. It will be renewed each year unless one of the two parties (the contracting party or the company) states otherwise.

  2. In addition, the contract will terminate: · At the end of the year when the insured person reaches the age of 70.

  3. When the insured person becomes disabled or permanently unable to carry out his profession, or when he requests recognition of this state, or receives a pension, service provision or compensation for said cause.

  4. When the insured person is retired, unemployed or in a similar situation, or ceases all their professional or labour activities.

Is there an upper age limit for the insurance cover?

The upper age limit is 70, except for cover for permanent and total disability, which is 65 years of age

What are the excluded risks?

They are the illnesses, accidents, circumstances, alterations, activities, etc. that are not covered in the policy and that, therefore, do not grant the right to a provision. The excluded risks are agreed with you when signing the policy, and they are highlighted in bold type.


  • Any type of illness that already existed when the insurance plan was taken out.

  • "Additional cover"

  • Pregnancy, abortion and puerperium.

  • Illnesses or injuries caused in a state of inebriation or due to alcoholism, drug addiction or taking drugs or medicines without prescription.

Which is the maximum guaranteed period for medical leave?

You can choose from different options. The particular conditions specify the coverage contracted and the maximum guaranteed period.

Does it cover work leave in the event of pregnancy and/or childbirth?

Although childbirth is not considered an illness, mothers that are insured for over eight months will receive a provision on this account. It will be required having contracted one of the following guarantees: daily temporary disability, scaled temporary disability, hospitalisation or surgical procedure, with the scope and conditions established in each guarantee.

How long does it take between communicating my leave and starting to receive the compensation?

After presenting the claim form, the medical leave report and the rest of the requested documentation, and when DKV Seguros recognises the right to the provision and checks its final scope, it will start to process it within two weeks. In the event of extended temporary disability (over forty days), you may request an advance of the provision for daily temporary disability corresponding to the period of medical leave that has been sufficiently proven.

Once you have covered your care in the event of work leave

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