DKV Profesional


DKV Profesional medical directory insurance

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


Medical directory
Customisable insurance

Choose a module or combine them in any way you like

Dental coverage
Dental coverage

FREE! in all modalities

video conference
Virtual consultations

unlimited by video call and chat with specialists

Exclusive discounts
5% additional disc.

on your health insurance if you are self-employed

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.

Quiero cuidarme Más app

Download our Quiero cuidarme Más app!


  • Video consultations with specialists and 24h medical chat

  • Request an appointment with multiple medical centres without having to call or go in person.

  • Receive, store and share your health documents.

  • All your electronic prescriptions without going to a consultation.

  • Analytical test request in your health folder.

  • Take care of your mind with the online psychology service and tools to manage your emotions.

  • Health coach to quit smoking, lose weight or track your pregnancy, among other benefits

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

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.

Satisfied 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

Frequently asked questions about the DKV Profesional modular policy

We resolve the most frequent queries made by our customers about modular medical directory insurance.

I want to take out a module-based health insurance policy in which I can choose the cover. What does each module include?

This insurance's services and cover are distributed into three modules, from which you can take out one, two or all three, adjusting them to your needs in different combinations.

What type of tests in the clinic are included in Module A?

Module A includes the following tests: Basic analytic blood and urine tests (excluding hormone, immune, genetic and molecular biological tests) and standard X-rays (non-contrast).

Up to which age can I take out health insurance?

If you are over 70 years old and want to take out health insurance, you must consider the maximum contracting age offered by each company. Some insurers set the maximum age to take out insurance at 65 or 70 years of age, although others set it at 75. At DKV, we have the highest age for taking out insurance on the market: up to the age of 75, in an individual policy.

How can I request the GP or paediatrician home service?

With DKV insurance, you can request a home service when, due to the condition of the ill person, going to a consultation or hospital centre is not advisable from a medical point of view.

Also, home visits from a nursing assistant are possible if prescribed by a doctor from the corresponding DKV Network of Healthcare Services, according to the modality contracted. A prior written prescription from the doctor attending the insured person is required beforehand.

Your DKV Profesional policy also covers tests in situations equivalent to level 2 dependency (severe dependency), max. 2 blood collections/year and physiotherapy at home after hospitalisation, in situations equivalent to level 2 and 3 dependency, max. 20 sessions/year.

How have the psychology sessions been set?

Our comprehensive medical assistance insurance and our modular insurance with module B (specialists and diagnostic means) cover psychotherapy sessions on an individual basis as outpatient treatment with the prior prescription from a psychiatrist or paediatrician of the corresponding DKV Network of Healthcare Services, according to the modality contracted, given by an associated psychologist and with the authorisation of DKV Seguros.

Insured persons can access this service up to a maximum limit of 20 sessions per insured person and calendar year, except for eating disorders (anorexia and bulimia), school bullying and gender and/or family-based violence, cyberbullying and work-related stress, whose annual limit is 40 sessions.

If you require more sessions, they will be available at a special price through DKV Club Salud y Bienestar.

Does my health insurance cover me outside Spain?

With your DKV Profesional healthcare policy, you will enjoy worldwide travel assistance cover, which in the event of an emergency guarantees the provision of medical assistance abroad. This cover has one of the highest limits on the market: up to 180 days and €20,000. The following is covered:

  • Medical, pharmaceutical, surgical, hospitalisation and ambulance expenses abroad

  • Emergency dental expenses

  • • Prolonged hotel stay abroad • Repatriation or healthcare transfer • Repatriation of the deceased and their companions

  • Human remains escort

  • Repatriation or transfer of other insured persons

  • Companion’s travel

  • Premature return home

  • Shipment of medications

  • Medical helpline

  • Help in the search for lost luggage

  • Sending of documents

  • Legal defence expenses and advance on bail abroad

  • Travel assistance

  • Communication of messages

  • Family assistance

  • Cancellation of cards

  • Blocking of mobile phone

  • Advance of monetary funds abroad

  • Administration costs for loss of documents.

  • Missed connections due to transport delays

Once your healthcare has been covered

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

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DKV Renta

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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:

900 810 072

Exclusive mutual society members

Please call us on:

900 810 073

You aren't a DKV customer