DKV Renta work leave insurance

When on sick leave, you can fall back on your income protection insurance.

  • Daily compensation for temporary disability.

  • Receive your money in the days following receipt of your discharge certificate.

  • Medical guidance and additional health services.

From €3/month

Calculate your insurance

Why choose DKV Renta

All the advantages of your work leave insurance

icono pymes
Financial peace of mind

A health problem or an accident will no longer involve losing money in your business.

Work-related accident
Total cover

Cover any illness and/or accident that occurs either at work or in your personal life.

Conditions and commitment
We adapt

Option to choose the daily provision that you want to receive while on medical leave.

Taking out the insurance
Streamlined payment

We guarantee the prompt payment of compensations, and advance payment is available.

All the details about the DKV Renta work leave insurance

What does DKV Renta work leave insurance include?

Cover and services

If you fall ill or have an accident, may your only concern be getting well again.

As a self-employed worker, we know that your expenses don't take into account illnesses or accidents. For this reason, the work leave insurance will provide you with extra money, depending on your illness and/or accident, to ensure that you can cover all your usual expenses and maintain your standard of living.

 

Included cover

  • Daily compensation for temporary disability and/or accident

    Being ill or suffering an accident will no longer involve losing money; you will be able to continue your lifestyle, as you will have the capacity to meet your business' expenses.

  • Childbirth compensation

    If your medical leave is due to childbirth or you are in process of adoption, you will receive up to 20 times the compensation taken out in your income insurance.

Services included

  • Telephone medical advice

    If you are worried about a symptom, call us and an agent on one of our helplines will be happy to attend to you: 24-hour general medicine, pregnancy, women's' health, nutrition and psycho-emotional health.

  • Second medical opinion

    Have the peace of mind of receiving the best possible treatment with a second medical opinion in the event of a serious illness.

  • 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.

Optional cover

 

  • Daily compensation for time spent in hospital

    For every day that you are hospitalised, you will receive a compensation as of the first 24 hours up to 365 days later.

  • Surgical procedure

    Receive a compensation based on the type of intervention.

  • Total permanent disability

    If an accident or illness covered by the policy leads to total permanent disability, we guarantee the payment of the contracted capital.

  • Medical assistance in the event of an accident

    You will be covered for all the medical expenses you may need due to an accident using the authorised DKV network.

Waiting periods

All provisions can be used from day one, except for:
 

  • Illness, hospitalisation and surgery: 2 months

  • Total permanent disability: 3 months

  • Pregnancy, abortion, childbirth and puerperium: 8 months

  • When the leave is due to an accident, no waiting period will apply.

Compensation modality

We adapt the insurance to you, so you can choose the daily amount you want to receive for the days you need to fully recover.  

In addition, you can choose what day you want to start receiving the money.

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

It can be taken out by people between 16 and 64 years of age.

my health diary
Cover up to 70 years old

Except for Total Permanent Disability cover, which ends at the age of 65.

Conditions of use
We are transparent

The insurance is renewed automatically every year. We will inform you in advance on the new developments in your policy.

Information about the DKV Renta insurance

Download the documentation

Download the documentation
Insurance information
Download the documentation
Terms and conditions of the contract

 

 

Other insurance you might be interested in

DKV Profesional

Medical insurance for self-employed workers

DKV Profesional

Combine all the cover you need for health, income, accidents or death, in a single insurance. And if you are self-employed, you will receive a 5% discount.

Further information

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.

Further information
DKV Renta Baremado

Work leave insurance

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.

Further information

FAQs

We resolve your queries about our work leave insurance

What is work leave insurance?

It is an insurance that guarantees you a financial provision. It will be applied if you experience a temporary incapacity to work that prevents you from doing your usual job. This can be caused by an illness or an accident. The provision varies according to the insured capital.

What is insured under a work leave policy?

  • Income insurance guarantees temporary disability. Covering the worker's loss of income due to an illness or accident

  • Hospitalisation. For every day that you are hospitalised, you will receive a compensation as of the first 24 hours up to 365 days later

  • Legal intervention. DKV Seguros guarantees the insured person a single financial provision. The amount is calculated by applying the insured capital for the cover of surgical procedures reflected in the special terms and conditions

  • Total and permanent disability. Total and permanent disability is the irreversible physical situation caused by an illness or accident

  • Medical assistance in the event of an accident. Provided that they are derived from an accident covered by the policy.

What is the duration of the work leave insurance?

The duration of the contract stipulated in the policy is annual and can be extended, but the payments may be made monthly, quarterly or every six months.

What happens if your working situation or professional activity changes after taking it out?

You should notify us of the change in your situation as soon as possible to be able to recalculate the insurance premium according to the new activity, which may represent an increase or decrease in the price depending on the level of risk that this new activity represents. This way we will avoid any problems or confusion during the claims procedure.

When does the cover start and end?

  1. Once the contract has been signed and the first instalment has been paid, it will take effect and end on the dates established in the specific terms and conditions. It will be renewed each year unless one of the two parties (the contracting party or the company) states otherwise.

  2. In addition, the contract will terminate: · At the end of the year when the insured person reaches the age of 70.

  3. When the insured person becomes disabled or permanently unable to carry out his profession, or when he requests recognition of this state, or receives a pension, service provision or compensation for said cause.

  4. When the insured person is retired, unemployed or in a similar situation, or ceases all their professional or labour activities.

Is there an upper age limit for the insurance cover?

The upper age limit is 70, except for cover for permanent and total disability, which is 65 years of age

What are the excluded risks?

They are the illnesses, accidents, circumstances, alterations, activities, etc. that are not covered in the policy and that, therefore, do not grant the right to a provision. The excluded risks are agreed with you when signing the policy, and they are highlighted in bold type.

E.g.

  • Any type of illness that already existed when the insurance plan was taken out.

  • "Additional cover"

  • Pregnancy, abortion and puerperium.

  • Illnesses or injuries caused in a state of inebriation or due to alcoholism, drug addiction or taking drugs or medicines without prescription.

Which is the maximum guaranteed period for medical leave?

You can choose from different options. The particular conditions specify the coverage contracted and the maximum guaranteed period.

Does it cover work leave in the event of pregnancy and/or childbirth?

Although childbirth is not considered an illness, mothers that are insured for over eight months will receive a provision on this account. It will be required having contracted one of the following guarantees: daily temporary disability, scaled temporary disability, hospitalisation or surgical procedure, with the scope and conditions established in each guarantee.

How long does it take between communicating my leave and starting to receive the compensation?

After presenting the claim form, the medical leave report and the rest of the requested documentation, and when DKV Seguros recognises the right to the provision and checks its final scope, it will start to process it within two weeks. In the event of extended temporary disability (over forty days), you may request an advance of the provision for daily temporary disability corresponding to the period of medical leave that has been sufficiently proven.

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.

Less sugar, more fruit!
For the planet

We have obtained the Zero CO2 seal from ECODES. Our planet needs us, and we work towards protecting and recovering it.

Less plastic, more environmental health!
For women's health

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

Less thinking about everything, more caring for you!
For inclusion

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

Fewer barriers, further integration!

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

Call us free at

900 500 101

Your work leave insurance from €3/month

We'll call you FREE OF CHARGE