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 €26/month
€21/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 €26/month
€17/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.
-
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.
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.