DKV health insurance for self-employed workers

We take care of your health, so you can continue taking care of your business

  • Take care of your health with flexibility, without neglecting your business.

  • Special coverage and tax benefits for the self-employed.

Insurance for self-employed workers

Why choose health insurance for self-employed workers with DKV?

Extensive medical directory

+51,000 medical professionals at your disposal and 8 of the 10 best hospitals in the country.

24-hour assistance

Medical chat and video consultation with specialists wherever you are, offering you the best assistance.

Dental service included

Unlike other insurance policies, our health insurance includes free dental cover.

Online administrative procedures

You can request authorisations and medical appointments and access your medical reports through the app.

What medical insurance includes the cover and services I need?

Compare the cover of our medical insurance policies for self-employed workers

 

Are you looking for another type of insurance?

Other insurance for self-employed workers you might be interested in

DKV Renta Baremado

Work leave insurance according to a scale

DKV Renta Baremado

Benefit insurance for self-employed workers with a compensation as soon as you are on work leave.

Work leave insurance

DKV Renta

It is an insurance that provides compensation during a leave from work to compensate the reduced income from Social Security.

DKV death insurance

Funeral insurance

DKV Protección Familiar

The death insurance that accompanies your family at all times with one of the best funeral services, psychological support and repatriation to the country of origin.

Frequently asked questions about health insurance for self-employed workers

We answer questions on our health insurance for self-employed workers.

 

Por qué es recomendable que un autónomo contrate un seguro médico?

Como autónomo, tu salud es clave para poder seguir trabajando. Un seguro médico para autónomos te ofrece rapidez, flexibilidad y tranquilidad en el cuidado de tu salud. Entre sus ventajas destacan:

  • Evitas largas listas de espera para consultas, pruebas diagnósticas e intervenciones.

  • Direct access to specialists without having to visit the GP.

  • Flexible hours so that medical appointments interfere as little as possible with your work.

  • Ventajas fiscales: the health insurance for self-employed workers premium is a deductible expense in the income tax return.

What are the tax advantages of health insurance for self-employed workers?

En España, el seguro de salud puede ser un gasto deducible en el IRPF (Impuesto sobre la Renta de las Personas Físicas) en régimen de estimación directa. Puedes deducir hasta 500 € anuales por tu seguro.

Qué coberturas debe incluir un buen seguro médico para autónomos?

Si buscas un seguro de salud completo, asegúrate de que incluya las siguientes coberturas esenciales:

  • General medicine and specialists: Access to an extensive medical directory with all specialities.

  • Pruebas diagnósticas (análisis, resonancias, TAC, etc.).

  • Cirugía y hospitalización: Coverage of hospital and surgical expenses.

  • 24-hour emergency care: Immediate assistance.

  • Servicios digitales: Video consultations, medical chats, and online guidance are essential to ensure you don't have to interrupt your work.

What is the difference between a health insurance policy with copayment and without copayment?

Choosing the type of insurance policy is very important, and it will depend on how often you use medical services:

  • Insurance without copayment: Pagas una prima mensual más alta, pero no pagas nada al usar un servicio (consulta, prueba, etc.). Es ideal acudes al médico con frecuencia.

  • Insurance with copayment: La prima mensual es más baja, pero debes pagar una pequeña cantidad (el copago) cada vez que haces uso de un servicio médico. Es la opción más económica si solo vas al médico de forma ocasional.

Do insurance policies for self-employed workers cover sick leave (Temporary Disability)?

No directamente, pero puedes añadir una cobertura complementaria.

With DKV Renta, puedes contratar un seguro de baja laboral (Incapacidad Temporal) que te garantiza una indemnización diaria si una enfermedad o accidente te impide trabajar. Así mantienes tus ingresos y puedes cubrir los gastos de tu negocio mientras te recuperas.

What digital services does my DKV health insurance include as a self-employed worker?

DKV insurance stands out for its digital-first approach, which saves time for the self-employed worker:

 

  • Unlimited video consultations: With primary care doctors and specialists.

  • 24-hour medical chat: To get answers to your specific health questions anytime, anywhere.

  • Electronic prescriptions: So that medication can be prescribed for you without needing an appointment.

  • DKV Activa app to manage your insurance, invoices, authorisations, etc.

Also, if you take out DKV Personal Doctor, you will have an app to manage your health and your insurance. You'll have the peace of mind of a "personal doctor", who will be your digital guide and adviser to support you and refer you to specialists when you need it, as well as a health assistant to process authorisations and medical appointments, so you don't have to complete these procedures yourself.

Does my DKV insurance include dental cover?

Yes. A diferencia de muchas otras aseguradoras, en DKV todos los seguros de salud para autónomos incluyen servicio dental gratuito, con un número significativo de tratamientos sin coste adicional y el resto de servicios con grandes descuentos.

If I travel abroad for work, am I covered by my DKV policy?

Sí, los seguros médicos de DKV incluyen la cobertura de Asistencia mundial en viajes, que garantiza la prestación de asistencia médica en el extranjero en caso de urgencia o imprevisto, con una cobertura de hasta 30,000 € en viajes de hasta 180 días.

What is the "Accounting Management" service that DKV offers to self-employed workers?

Es una ventaja adicional para los autónomos. Si contratas el seguro DKV Famedic Profesional, tendrás acceso a un servicio de gestión contable que facilita la facturación, la contabilidad y el cálculo de impuestos, ayudándote a ahorrar tiempo en las tareas administrativas de tu negocio.