DKV Profesional medical directory insurance
The health insurance that combines all the cover in a single insurance: health, income, accident or death.
TAKE IT OUT FOR A LIMITED TIME WITH A 20% DISCOUNT
Choose a module or combine them in any way you like
FREE! in all modalities
unlimited by video call and chat with specialists
on your health insurance if you are self-employed
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.
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
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.
To cover unforeseen events that may occur, in the event of death or permanent disability due to an accident.
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.
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.
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
Information about the DKV Profesional insurance to view later
Download the documentation
Any insurance policy must start with a commitment
Terms and conditions of the contract
The highest in the market. Up to the age of 75, in an individual modality.
If you’re self-employed, you will have an additional 5% discount on health insurance forever.
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.
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.
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Frequently asked questions about the DKV Profesional modular policy
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
Premature return home
Shipment of medications
Help in the search for lost luggage
Sending of documents
Legal defence expenses and advance on bail abroad
Communication of messages
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
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