DKV Renta Baremado
The benefit insurance conceived to protect the health and economy of self-employed workers with a compensation when initiating a work leave due to accident or illness.
No effect on your financial situation
You'll quickly receive compensation according to a scale.
Additional medical services.
We have the best scales on the market: 100 days in the event of a heart attack and between 10 and 40 days in an ankle sprain.
We immediately pay you the compensation as per the scale when the work leave is granted.
As a self-employed worker, the first €500 for the work leave insurance are exempt from Personal Income Tax.
If the leave granted is due to childbirth or adoption, you will receive 20 times the quantity of money you have contracted.
All the details about the DKV Renta Baremado work leave insurance
We protect and take care of your health and economy, so you don't have to worry about your business if you cannot go to work
Cover and services
We offer the widest selection of management options: in the event of medical leave, we immediately pay you the compensation before the medical discharge, without following up on the illness and without considering the real recovery time.
An illness or accident can force you to take a work leave, which entails less income and more expenses. Thanks to this insurance, your economy will not be affected in the event of work leave, as each accident or pathology has assigned an amount (scale).
Daily compensation for temporary disability and/or accident
Being ill or suffering an accident will no longer involve losing money, as you will be able to meet your business' expenses. You will receive a compensation in the event of a temporary disability.
Cover for common pathologies
As opposed to other companies, we cover common pathologies in such important specialities as the digestive system, ophthalmology, musculoskeletal system, otorhinolaryngology, respiratory system, urology, sprains, dislocations, wounds and trauma.
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.
Cover in the event of medical leave due to COVID-19
Enjoy cover in the event of work leave due to COVID-19, the same as in the bronchiolitis (7 days) or pneumonia (20 days) scales, based on the complication and the medical care needed.
Income with a 90-day excess period
You can take out this cover to feel completely safe in cases of long temporary disability: if the leave is extended for a longer period than set in the scale, DKV will continue to pay you after the 90th day until you are discharged.
Compensation for hospitalisation due to illness and/or accident
Receive a compensation for every day you are hospitalised.
Capital insured in the event of surgical procedure.
Medical phone lines
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.
A work leave insurance helps you maintain your income when due to illness or accident you can no longer work
Why take out a work leave insurance with DKV?
This scaled income insurance can be taken out by workers between 16 and 64 years of age.
Except for the total permanent disability guarantee, which ends at 65 years of age, you can use your insurance up to your retirement or until you reach 70.
You can choose the capital insured to compensate a lack of income in the event of a temporary disability.
Given that the compensation is set to a scale, you will no longer have to wait for medical discharge to receive it.
Information about the DKV Renta Baremado insurance to view later
Download the documentation
Know everything about your scaled income insurance: cover and additional services.
Standard document with summarised information that will help you compare our work leave insurance with other companies.
In this document we intend to give you clear and simple information about the cover, services, provisions, payment and conditions of the work leave insurance. You will even find a section with basic concepts, so you can understand the language of this type of insurance.
Promotion applicable to new insured persons who take out policies until 15/11/2021. You will enjoy a discount in 2021, and further discounts in the coming years.
We provide you with tools to make your life easier and take care of your health
Our customers opinion is important
What do the users of DKV Renta Baremado think?
Once you have covered your care in the event of work leave
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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.