Health insurance for SMEs

Health insurance for companies with fewer than 50 employees.

  • Direct access to the DKV medical directory with the best specialists.

  • Virtual consultations with specialists via our app, avoiding travel.

  • Company management portal to process everything online.

  • We take care of your employees' and their relatives' health.​


Video consultation and chat with specialists
Digital medicine

Medical consultations wherever you are, avoiding travel

DKV Health coach
Cover tailored to your needs

Implement health promotion programmes in the workplace

Medical directory
Extensive medical directory

More than 51,000 doctors and the best private hospitals in the country (CUN, Quiron, Teknon, Ruber, etc.)

Conditions and commitment
We are experts in healthcare

Advice and support to choose the most suitable solution for your company

Contact us to discuss any health concerns

Why take out a health insurance for your SME?

Advantages for the company

Employees are more satisfied.


You build your employee's loyalty, obtain a greater commitment and make them more productive, and you become an appealing company when it comes to attracting talent.


It improves the company's image.


A company that takes care of its employees achieves a better internal and external reputation.


Reduces absenteeism at work.


Health insurance provides employees access to quality and fast medical care that does not require as much travelling.

Advantages for employees

Better work-life balance.


Private health insurance provides extensive visiting hours for medical appointments without waiting times.


Helps your domestic economy.


The first €500 for the payment of the health insurance are exempt from Personal Income Tax. In addition, the premium is lower in a group health insurance policy.


Quality medical care.


Extensive medical directory without waiting lists, with state-of-the-art treatments, dental service, psychotherapy and digital health services.

Steps to make my SME a healthy company

DKV Health coach

Let's talk

A DKV health insurance expert will arrange an appointment with you to learn about your needs and prepare a customised solution for you.

Conditions of use

Welcome and support

Once the agreement has been signed, we will send each of your employees a welcome pack, together with information on the policy or health services taken out.

Avoid waiting lists


From your healthy business management portal, you can manage registrations, cancellations and modifications in the policies you have taken out, without any paperwork, because your time is valuable to us.

Services to take care of and manage your employees' and your company's health

At DKV, we work towards offering our patients streamlined care from anywhere.


Complete Medical Directory

Small companies with up to 50 employees, so employees, partners and relatives take care of their health.


Video call with Quiero cuidarme Más

Quiero cuidarme Más app

Your employees will be able to contact a specialist doctor without having to travel. They will have a 24-hour chat available, and they will be able to hold video consultations with specialists, without limit.


DKV Gestiona

The platform where you can carry out online procedures: registrations and cancellations of insured persons, duplicates, supporting documents, check your cover, documentation and medical directory.


Answer your queries with the FAQs

We explain the details with a clear and transparent language

What company insurance do you need?

There are different types of insurance based on the company's needs and its employees. From basic cover to comprehensive insurance policies, with telemedicine services or insurance designed for working abroad.


  • Economical insurance: with a low premium and the essential cover, without hospitalisation and surgery. The most economical option to access private healthcare, with primary care, visits to specialists, video consultations to avoid travel and a series of simple tests, such as analytical tests or preventive plans.

  • Insurance with comprehensive cover: They provide comprehensive medical assistance, unlimited consultations with specialists, diagnostic tests, telemedicine, dental cover, psychology, chiropody, physiotherapy, surgery, hospitalisation and hospital emergencies. In addition to an array of digital services.

  • Reimbursement insurance: They allow the insured person to visit specialists and medical centres that are not included in the medical directory or do not work for any insurer. They are perfect for employees who travel a lot and visit doctors on their work trips abroad. With reimbursement of medical expenses in less than a week.


In addition, you can choose insurance modalities with or without copayment. The monthly premium in copayment modalities is much lower, and the insured person pays an extra amount based on the use made to the health insurance.

What is a copayment?

A copayment is a small cash amount that is paid every time that you use a health insurance. It varies according to the type of insurance you have taken out and the medical test or speciality you undergo. Check the copayments of all DKV PYMES medical services in this link

How many people have to register in the insurance for it to be considered a company/SMEs group?

From 3 to 50 employees to contract the Pymes module. More than 50 employees for the company group

Ways to take out health insurance at the company

Compulsory subscription, co-financed and Flexible Remuneration

​ What is a flexible remuneration plan?

Flexible remuneration consists in dedicating part of the employee's gross salary to a special remuneration; in this case, to the payment of an insurance premium, at a lower than market price.​

​ How to take out health insurance for employees

First, consider the type of insurance you want for your employees (basic, comprehensive, reimbursement, with digital health services, etc.) and analyse the different companies specialising in health insurance for companies and their proposals (medical directory, cover and services, waiting periods, exclusions, option of personalising certain services, etc.)​

Consider how they help you manage your insured persons' policies, and if they have a team of sales advisers who will help you find the insurance that best suits you.​

​At DKV, we have an insurance assistant for companies in which you fill in a form and based on the type of company, we provide you with various options for our specialists to contact your company over the phone and offer a face-to-face visit to your company if you need it.​

Once you have chosen the insurance, it can be taken out in person or over the phone. An agent will contact the company to send the offer and request the company's documentation in order to register it.​

After taking out the insurance, the employees will be provided with the commercial offer so they can subscribe to it, and we will register the insured persons (employees and relatives if they wish).

​ What is the advantage of taking out a health insurance through my company instead of myself?

The terms and conditions are different, and the product is customised according to the needs of your company and its employees (number of insured persons, age, services taken out, copayments, etc.)​​

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900 810 072

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900 810 073

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