DKV Profesional

DKV Profesional, the health insurance that combines all the cover in a single insurance: health, income, accident or death.

  • And if you’re self-employed, you’ll have an additional 5%
    discount in Health insurance forever.

  • Customise the insurance by choosing a module or combining it as you want.

  • Dental service included.

  • Unlimited consultations by video call or chat with general practitioners
    and specialists via the "Quiero cuidarme Más" app.

From €16/month



This week only! Take out your DKV Profesional health insurance with a 20% discount in 2022 and more discounts in the coming years.

Medical directory

Hours a day to visit a medical specialist, adapting to your work times

Transparency and clear language

of medical tests do not require authorisation

Avoid waiting lists

hours saved in waiting rooms

Video consultation and chat with specialists
+ 315,000

Virtual consultations with a doctor via the Quiero Cuidarme Más app

Taking out insurance by phone

Calculate and take out your insurance

Call us with no strings attached at 974 887 010 so an expert informs you and helps you during the process, or fill out the following form to receive all the information on insurance for self-employed workers and its price.

All the details about DKV Profesional

Create your module-based health insurance with the cover you need and only pay for what you use

Cover and services

You can take out only the modules you need, with access to a medical directory with the best professionals.

The DKV Profesional insurance provides you access to the best private medicine by paying what you want in your health insurance policy: primary care, specialists or hospitalisation.


Health Insurance

  • Module A: Primary care

    General medicine at a clinic and at home, paediatrics and childcare, ambulances and basic clinical analyses and medical and paediatric emergencies.

  • Module B: Specialists

    All specialities: Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... treatments at a clinic and all diagnostic tests.

    20 sessions per year of psychotherapy, and 40 sessions in cases of eating disorders, school bullying, work-related stress and gender-based or domestic violence.

    Chiropody, physiotherapy and rehabilitation with no limit of sessions or waiting periods.

    Obesity control and treatment programme by a nutritionist. To treat and control obesity, up to 20 sessions a year.

    3D/4D ultrasound during pregnancy and 3D mammogram.

    Preventive programmes: child health, healthy pregnancy and childbirth, coronary risk prevention, women's cancer, prostate and colorectal cancer, stroke and diabetes.

  • Module C: Hospitalisation 

    Hospitalisation with no limit to the number of days (except for psychiatric treatment, max. 60 days/year).

    Extensive transplant coverage.

    Compensation for hospitalisation when costs are not borne by DKV (€80/day, maximum €2,400)

Other insurance policies

  • Income insurance

    You will receive a daily payment for medical discharge due to an illness and/or an accident, whether suffered during your private or professional life. Option to choose the daily amount that you want to receive while on medical discharge. We guarantee the prompt payment of compensation.

  • Accident insurance

    To cover unforeseen events that may occur, in the event of death or permanent disability due to an accident.

  • Funeral insurance

    Capital to cover burial costs (you can opt for compensation or for it to be provided through companies associated with DKV).

Services included regardless of the module you take out

  • Pack your suitcases worry-free with travel assistance

    You will be covered for up to 20,000 euros on journeys of up to 180 days. One of the highest limits on the market.

  • Smile

    Unlike other health insurance policies within the sector, yours will include dental cover. More than 50 free services and the rest with large discounts.

  • Video consultation and chat with a doctor

    You will be able to contact a doctor by phone, video call or chat. Enjoy virtual consultations with medical specialists: as well as chatting with your health coach to improve your lifestyle and with a midwife if you are pregnant or just gave birth to a baby. Getting a first medical opinion has never been so easy. In addition, you can store your health documents (reports or tests) and have all your electronic prescriptions handy with the app.

  • Medical phone lines

    Your medical helpline available 24h. Paediatric medical helpline to take care of your children's health, as well as a pregnancy medical helpline, women's medical helpline or more specific helplines to treat overweight and obese children.

  • Medical care in accidents

    As opposed to other companies, if you experience any kind of occupational or traffic accident, don't worry, we'll attend to you at no additional cost (depending on the modules taken out).

  • Second medical opinion

    If you want to compare the diagnosis of a serious illness and need a second opinion, look no further.

  • DKV Club de Salud y Bienestar discounts

    You will have access to the entire catalogue of health and well-being services at lower-than-market prices.

Waiting periods

You can enjoy the DKV Profesional services from day one. Only the following services have waiting periods:

  • Hospitalisation and surgery (including surgical prostheses): 6 months

  • Biomechanical gait analysis: 6 months

  • Childbirth, except for premature deliveries: 8 months

  • Transplants: 12 months

Copayments and modalities

The 'co-payment' is the amount you have to pay when you use certain services.

Choose the type the suits you best, from:

  • With copayment: Complet, Plus, Classic

  • Without copayment: Élite

Consult copayments by category

Study on the health and well-being of self-employed workers

How do self-employed workers take care of themselves in Spain?

We sometimes have a misconceived idea of the self-employed workers' lifestyle in terms of health due to their lack of time. With the information presented in this report, you will be able to assess the situation and change your habits in order to achieve a healthy and balanced lifestyle.


Any insurance policy must start with a commitment

Terms and conditions of the contract

Age for taking out insurance
Maximum age to take out the insurance

The highest in the market. Up to the age of 75, in an individual modality.

Taking out the insurance
Economic advantages

If you’re self-employed, you will have an additional 5% discount on health insurance forever.

Conditions and commitment
Always by your side

We will not cancel the contract if you have been with us for three years, nor will we raise the price if you frequently use the health insurance.

Happy customers
Savings in your domestic economy

Because your family's health matters to us, benefit from a 7% discount if you are 4 insured persons, or 12% if you are 5 or more.

Our customers give us their opinion

What do people think of DKV Profesional?

Testimonials on the DKV Profesional self-employed insurance
An insurance policy designed with what I need

I needed a health insurance to which I could add bills from other types of insurance and take out just what I need. And I obtained an additional 5% discount when taking out DKV Profesional for being self-employed. I recommend it.

Alejandro Vidal
Testimonials DKV Profesional for work-related accidents
Pay only for the services I use

I had an accident that kept me in hospital for two weeks. As of the third day, my DKV insurance policy paid me €80 a day. I was able to recover with the peace of mind of receiving income even if my business was closed. I feel covered in any circumstances.

Manuel Asensio
Testimonials DKV Profesional for self-employed workers
Everything we need without paying more

With DKV Profesional, I feel safe because, it takes care of my health not only in my personal life, but also in the event of a traffic or work-related accident. More peace of mind in my daily life.

Silvia Sevilla

DKV digital

We provide you with tools to make your life easier and take care of your health

Quiero Cuidarme Más App
Quiero Cuidarme Más App

Comprehensive management of the most important aspects of your health

Customer Area
Customer Area

The tool with which to access your customer profile

Quiero Cuidarme Blog
Quiero Cuidarme blog
Health tips

The DKV blog with which to learn how to take care of yourself with health advice for all the family.

Go to the blog and subscribe to receive the latest articles every week in your email.

Once your healthcare has been covered

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

DKV Famedic Profesional
Family health insurance
DKV Famedic Profesional

An insurance that helps professionals take care of their health and their family without neglecting their business.

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, according to a scale.

DKV Renta
Work leave insurance
DKV Renta

An insurance that provides compensation during a leave from work and/or hospitalisation to compensate the reduced income from Social Security.

We want to improve what surrounds us! With our four causes.

Are you one of us?

Against childhood obesity

Actions that fight against reducing overweight figures in children.

For the planet

We are a Zero CO2 emissions company. Our planet needs us, and we work towards protecting and recovering it.

For women's health

We no longer want to be mothers, but MalasMadres, which is why we are launching #TimeToTakeCareOfYourself

For inclusion

At the DKV Integralia Foundation, we work towards the social and professional integration of all people.

You are a DKV customer

Please call us on:

976 506 000

Exclusive mutual society members

Please call us on:

976 768 999

You aren't a DKV customer