Health insurance, DKV Profesional

The health insurance for self-employed workers that combines all the cover you need in one insurance policy.

  • Module A: primary care, paediatrics, nursing services and emergencies

  • Module B: specialists and diagnostic tests

  • Module C: hospitalisation and surgery

In addition, all the cover you need for Health, Income, Death and Accidents, in a single bill.
 

Take it out now with up to a 33% discount
And discounts for the next 6 years

 

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Extensive medical directory

+51,000 medical professionals at your disposal and 7 of the 10 best hospitals in the country.

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Dental policy included

Several treatments at no additional cost and others with major discounts.

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Customise your insurance

Combine the modules to tailor the insurance to you.

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Economic advantages

5% discount on your insurance if you are self-employed.

Taking out insurance by phone

Request information and take out insurance now

You will be contacted by an expert to provide you with information on our insurance policies.

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 will be able to customise your insurance according to your needs.

DKV Profesional provides you access to the best private medicine by paying what you want in your health insurance policy: primary care, specialists or hospitalisation. You can also take out other insurance policies (sick leave, accidents or death) and pay them in a single bill.

 

Modules available to combine them in any way you like

  • Module A: Primary care

    1. General medicine at a clinic and at home

    2. Paediatrics and childcare

    3. Basic clinical analyses

    4. Ambulances, medical and paediatric emergencies

  • Module B: Specialists

    1. All specialities included

    2. Treatments at a clinic and diagnostic tests.

    3. Psychology: 20 sessions per year and 40 for eating disorders, bullying at school, occupational stress and gender-based or domestic violence.

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

    5. Nutritionist: up to 20 sessions per year for the treatment and management of obesity.

    6. 3D Mammogram 3D/4D Ultrasound during pregnancy.

    7. Preventive health programmes (cancer, cardiovascular, diabetes, pregnancy, child health, etc.)

  • Module C: Hospitalisation and surgery

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

    2. Extensive transplant coverage.

    3. Daily compensation for hospitalisation when costs are not borne by DKV (€80/day, maximum €2,400)

Services included regardless of the module you take out

  • Worldwide travel assistance

    You will have up to 20,000 euros for emergency medical assistance on journeys of up to 180 days. One of the highest limits on the market.

  • Dental coverage

    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 via chat, call or video call, as well as chat with your health coach to improve your lifestyle and with a midwife if you are pregnant or just gave birth to a baby.

  • Medical phone lines

    24-hour general medicine, pregnancy, women's health, nutrition and psychoemotional health.

  • Second medical opinion

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

  • Health services complementary to the insurance

    You will have access to a catalogue of health and well-being services at lower-than-market prices through DKV Club Salud y Bienestar.

     

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.

  • Funeral insurance

    Capital to cover funeral expenses, with transfer and repatriation to your city or country of origin, psychological support and legal assistance.

  • Accident insurance

    Payment of compensation in the case of death or permanent disability.

Waiting periods

With DKV Profesional, you can use all the medical services and cover from day one, except:

  • Hospitalisation and surgery (including prostheses): 6 months

  • Biomechanical gait analysis: 6 months

  • Childbirth (except for premature deliveries): 8 months

  • Transplants: 12 months

Copayments and modalities

A copayment is a small amount that you pay when you use a health insurance. It varies according to the type of insurance and the medical speciality.
Choose the type the suits you best, from:

  • With high copayment: Complet (€13.50 general medicine consultation and €23 other specialities)

  • With low copayment: Classic (€2.30 general medicine consultation and €3.50 other specialities)

  • Without copayment: Élite (€0, all included)

See copayments

What type of insurance combination do you need?

Combine primary care, specialists or hospitalisation as you like. These are just three examples of the multiple combinations.

You have an additional discount when choosing the payment method

Yearly payment

7% discount

About the final price

Half-yearly payment

4.6% discount

About the final price

Quarterly payment

2.8% discount

About the final price

Any insurance policy must start with a commitment

Terms and conditions of the contract

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Maximum age to take out the insurance

The highest in the market. Until the age of 75.

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Economic advantages

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

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Whole life insurance

We will not cancel the contract if you have been with us for three years.

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Family savings

7% discount if you are 4 insured persons, or 12% if you are 5 or more.

Information on the DKV Profesional insurance policy

Download the documentation

 

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

Comprehensive health insurance

DKV Integral

Our best-selling medical directory insurance with direct access to more than 51,000 specialists and 1,000 medical centres throughout Spain.

Family health insurance

DKV Famedic Profesional

An insurance that takes care of your and your family's health without neglecting your business. With a family price in which you can include up to 8 members at the same rate.

DKV Renta Baremado

Work leave insurance according to a scale

DKV Renta Baremado

Work leave insurance for self-employed workers with a compensation as soon as you are on work leave, according to a scale.

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.

 

Do you need help?

If you are thinking about taking out an insurance policy and you have questions, we will answer them in the way you choose.

Visit your nearest agent

Visit your nearest agent

We’ll call you

We’ll call you

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

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900 810 072

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Please call us on:

900 810 073

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