DKV health insurance for self-employed workers
We take care of your health, so you can continue taking care of your business
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Take care of your health with flexibility, without neglecting your business.
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Special coverage and tax benefits for the self-employed.
Why choose health insurance for self-employed workers with DKV?
+51,000 medical professionals at your disposal and 8 of the 10 best hospitals in the country.
Medical chat and video consultation with specialists wherever you are, offering you the best assistance.
Unlike other insurance policies, our health insurance includes free dental cover.
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
Price 8 people
DKV Famedic
Professional
The most affordable health insurance. Up to 8 family members for the same price.
Without copayment
Take it out for just
€35.50/month
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Reduced medical directory
Medical centres in the DKV Famedic network.
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Primary care
General medicine, nursing, paediatrics.
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7 medical specialities
General medicine, nursing, paediatrics, gynaecology (including an annual check-up), ophthalmology, dermatology and traumatology.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation
Hospital care for medical or surgical treatment.
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Video consultations and chat
Unlimited video consultations with the 7 specialities covered, 24h medical chat, electronic prescription and health folder.
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Dental policy included
47 free treatments and the rest with major discounts.
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Physiotherapy
20 sessions per year for the policyholder.
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Psychology
20 sessions/year and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
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Worldwide medical assistance when travelling
Up to €30,000 for journeys of up to 180 days, in the event of an emergency.
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My personal doctor and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
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Health assistant
An adviser for processing authorisations and medical appointments.
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Business accounts
For the policyholder using the Factuconta tool by Contasimple, which is designed to help with invoicing, accounts and taxes required by a self-employer.
Up to 25% Disc.
DKV Profesional
Made-to-measure health insurance. Take out the cover you need and personalise your insurance.
With or without co-payment
Take it out from €10/month
€8/month
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Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain.
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Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
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Medical specialities
Only if you take out the specialists module. Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
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Diagnostic tests
Only if you take out the specialists module. Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation
Only if you take out the hospitalisation module. Hospital care for medical or surgical treatment.
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Video consultations and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
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Dental policy included
50 free treatments and the rest with major discounts.
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Physiotherapy
Only if you take out the specialists module. No limit on sessions.
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Psychology
Only if you take out the specialists module. 20 sessions/year and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
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Worldwide medical assistance when travelling
Up to €30,000 for journeys of up to 180 days, in the event of an emergency.
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My personal doctor and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
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Health assistant
An adviser for processing authorisations and medical appointments.
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Business accounts
For the policyholder using the Factuconta tool by Contasimple, which is designed to help with invoicing, accounts and taxes required by a self-employer.
Up to 25% Disc.
DKV Personal Doctor
Insurance with a personal medical service and a health assistant to manage all your procedures.
With or without co-payment
Take it out from €22/month
€17/month
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Extensive medical directory
Medical directory ALWAYS guided by your Personal Doctor, who will refer you to any of the 51,000 specialists and 1,000 medical centres in Spain.
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Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
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Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation
Only if you take out the Premium modality. Hospital care for medical or surgical treatment.
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Video consultations and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription and health folder.
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Dental policy included
50 free treatments and the rest with major discounts.
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Physiotherapy
No limit on sessions.
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Psychology
20 sessions/year and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
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Worldwide medical assistance when travelling
Up to €30,000 for journeys of up to 180 days, in the event of an emergency.
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My Personal doctor and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
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Health assistant
An adviser for processing authorisations and medical appointments.
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Business accounts
For the policyholder using the Factuconta tool by Contasimple, which is designed to help with invoicing, accounts and taxes required by a self-employer.
The best-selling policy
Up to 35% off
DKV Integral
The most comprehensive medical directory insurance. Make sure you have the most convenient and fast healthcare.
With or without co-payment
Take it out from €24/month
€16/month
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Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain.
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Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
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Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation
Hospital care for medical or surgical treatment.
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Video consultations and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
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Dental policy included
50 free treatments and the rest with major discounts.
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Physiotherapy
No limit on sessions.
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Psychology
20 sessions/year and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
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Worldwide medical assistance when travelling
Up to €30,000 for journeys of up to 180 days, in the event of an emergency.
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My personal doctor and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
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Health assistant
An adviser for processing authorisations and medical appointments.
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Business accounts
For the policyholder using the Factuconta tool by Contasimple, which is designed to help with invoicing, accounts and taxes required by a self-employer.
Are you looking for another type of insurance?
Other insurance for self-employed workers you might be interested in
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.
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.
Why is it advisable for self-employed workers to take out health insurance?
As a self-employed worker, your time is money and your health is the foundation of your business. Health insurance for self-employed workers offers flexible and fast care, which is crucial:
Avoid long waiting lists for consultations, diagnostic tests and procedures.
Direct access to specialists without having to visit the GP.
Flexible hours so that medical appointments interfere as little as possible with your work.
Tax advantages: 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?
In Spain, health insurance can be a deductible expense for Personal Income Tax (IRPF) under the direct estimate scheme. You can deduct up to €500 per year for your insurance.
What cover should I look for in my health insurance for self-employed workers?
Among the health insurance policies for self-employed workers, DKV offers DKV Profesional, a tailor-made insurance plan where you can choose the options that interest you most: primary care, specialists and surgery and hospitalisation.
Generally, if you're looking for comprehensive health insurance, the cover your insurance should include is:
General medicine and specialists: Access to an extensive medical directory with all specialities.
Diagnostics: High-tech tests (MRIs, CT scans, etc.) and clinical analysis.
Surgical procedures and hospitalisation: Coverage of hospital and surgical expenses.
24-hour emergency care: Immediate assistance.
Digital Services (Telemedicine): 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 for self-employed workers "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: You pay one higher monthly premium, but you do not pay any additional amount when you use a service (consultation, test, etc.). It's ideal if you think you'll need regular doctor visits, specialists, or tests.
Insurance with copayment: The monthly premium is lower, but you must pay a small amount (the copayment) each time you use a medical service. It is the most cost-effective option if you only visit the doctor occasionally.
Do insurance policies for self-employed workers cover sick leave (Temporary Disability)?
Temporary Disability (or sick leave) cover due to illness or accident is a complementary and essential product for the self-employed worker offered by DKV, like the insurance policy DKV Renta.
This insurance guarantees you the payment of daily compensation (income) that you choose, so that you can maintain your income and cover the fixed expenses of your business during the time you cannot work. It is the economic protection that prevents an illness from becoming a financial risk.