Health insurance for SMEs

Health insurance for companies with fewer than 50 employees.

  • Direct access to the best medical professionals.

  • Virtual consultations with specialists, avoiding travel.

  • Company management portal for online procedures.

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

Take it out for a limited time with a 20% discount
Discounts for the next 5 years

I want information

If you take out insurance now, you will enjoy discounts for 5 years (20% in 2024, 16% in 2025, and 12%, 8% and 4% thereafter)

Medical team
Extensive medical directory

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

Dental coverage
Dental coverage

Included in your policy at no extra cost

Video consultation and chat with specialists
Digital medicine

Medical consultations wherever you are, avoiding travel

Conditions and commitment
Experts in health

Support to choose the most suitable solution for your company

What is the most suitable type of medical insurance for you and your employees?

If you are looking for health insurance for your company, we will help you to choose

 

SINGLE PRICE
Per EMPLOYEE

DKV Sanify Empresas

An innovative health and well-being proposal within the reach of all companies.

Take it out for €18/Month

Calculate your insurance
Further information

  • Primary care and specialities

    General medicine, nursing, traumatology and orthopaedics, paediatrics, gynaecology (including check-up), ophthalmology and dermatology.

  • 24-hour video consultation and chat service

    Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.

  • Physiotherapy

    20 sessions/year

  • Psychotherapy

    10 sessions/year via video calls, for consultations or therapy

  • Special prices for healthcare services

    Rest of medical specialities, treatments and health and well-being services at reduced rates.

  • Dental coverage

    Consultations, extractions, stomatological treatment, fluoridations, dental cleans and dental x-rays associated with these treatments. Sealants and fillings for children under 14 years. Rest of services with discount.

  • 24-hour emergencies

    Home care and ambulance medical assistance.

  • Diagnostic tests

    Only clinical analyses will be included.

  • Hospitalisation and surgery

    With no limit of stay, except for psychiatric admissions, with a maximum of 60 days/year.

  • Reimbursement of medical expenses

    Between 80% and 90% of the total expenses

  • Reimbursement of vaccinations and pharmacy expenses

    We will reimburse 100% of the cost of medicines prescribed by your doctor

 

20% disc.

DKV Pymes Especialistas

Direct access to the best specialists and hospital centres in Spain.

Take it out from 19 €/mes

Calculate your insurance
Further information

  • Primary care and medical specialities

    Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests.

  • 24-hour video consultation and chat service

    Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.

  • Physiotherapy

    No limit on sessions.

  • Psychotherapy

    20 sessions per year for psychotherapy and 40 sessions in cases of eating disorders, school bullying, gender-based or domestic violence, cyberbullying and work-related stress.

  • Special prices for healthcare services

    Rest of medical specialities, treatments and health and well-being services at reduced rates.

  • Dental coverage

    Consultations, extractions, stomatological treatment, fluoridations, dental cleans and dental x-rays associated with these treatments. Sealants and fillings for children under 14 years. Rest of services with discount.

  • 24-hour emergencies

    Home care and ambulance medical assistance.

  • Diagnostic tests

    All specialities and diagnostic methods.

  • Hospitalisation and surgery

    With no limit of stay, except for psychiatric admissions, with a maximum of 60 days/year

  • Reimbursement of medical expenses

    Reimbursements between 80% and 90% of the total expenses

  • Reimbursement of vaccinations and pharmacy expenses

    We will reimburse 100% of the cost of medicines prescribed by your doctor

 

20% disc.

DKV Pymes Integral

The most comprehensive network-affiliated medical directory insurance.

Take it out from €32/month

Calculate your insurance
Further information

  • Primary care and medical specialities

    Cardiology, digestive system, traumatology, gynaecology, ophthalmology, chiropody, dermatology, allergies... and all diagnostic tests.

  • 24-hour video consultation and chat service

    Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.

  • Physiotherapy

    No limit on sessions.

  • Psychotherapy

    20 sessions per year for psychotherapy and 40 sessions in cases of eating disorders, school bullying, gender-based or domestic violence, cyberbullying and work-related stress.

  • Special prices for healthcare services

    Rest of medical specialities, treatments and health and well-being services at reduced rates.

  • Dental coverage

    Consultations, extractions, stomatological treatment, fluoridations, dental cleans and dental x-rays associated with these treatments. Sealants and fillings for children under 14 years. Rest of services with discount.

  • 24-hour emergencies

    Home care and ambulance medical assistance.

  • Diagnostic tests

    All specialities and diagnostic methods.

  • Hospitalisation and surgery

    With no limit of stay, except for psychiatric admissions, with a maximum of 60 days/year.

  • Reimbursement of medical expenses

    Reimbursements between 80% and 90% of the total expenses

  • Reimbursement of vaccinations and pharmacy expenses

    We will reimburse 100% of the cost of medicines prescribed by your doctor

 

20% disc.

DKV Pymes Mundiclassic

You can visit any centre in the world, regardless of whether it is affiliated or not.

Take it out from 49 €/mes

Calculate your insurance
Further information

  • Primary care and medical specialities

    Any medical centre in Spain and the rest of the world.

  • 24-hour video consultation and chat service

    Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.

  • Physiotherapy

    No limit on sessions.

  • Psychotherapy

    20 sessions per year for psychotherapy and 40 sessions in cases of eating disorders, school bullying, gender-based or domestic violence, cyberbullying and work-related stress.

  • Special prices for healthcare services

    Rest of medical specialities, treatments and health and well-being services at reduced rates

  • Dental coverage

    Consultations, extractions, stomatological treatment, fluoridations, dental cleans and dental x-rays associated with these treatments. Sealants and fillings for children under 14 years. Rest of services with discount.

  • 24-hour emergencies

    Home care and ambulance medical assistance.

  • Diagnostic tests

    All specialities and diagnostic methods.

  • Hospitalisation and surgery

    With no limit of stay, except for psychiatric admissions, with a maximum of 60 days/year

  • Reimbursement of medical expenses

    Reimbursement between 80% and 90% of the total expenses

  • Reimbursement of vaccinations and pharmacy expenses

    We will reimburse 100% of the cost of medicines prescribed by your doctor

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

Un experto en seguros para empresas concertará una cita contigo para conocer tus necesidades y preparar una solución personalizada para ti.

Conditions of use

Welcome and support

Una vez se haya cerrado el acuerdo, enviaremos a cada uno de tus empleados un pack de bienvenida, junto con la información del seguro contratado.

Avoid waiting lists

Self-management

Desde tu portal de gestión de empresas, podrás tramitar las altas, bajas y modificaciones de las pólizas contratadas, sin papeleos y sin desplazamientos.

I want information

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

En DKV trabajamos para poder ofrecer una atención rápida, ágil y desde cualquier lugar.

Medical-individuals

Complete Medical Directory

Más de 51,000 profesionales médicos y 10,000 clínicas y centros médicos en todo el país, y los mejores hospitales privados (CUN, Quirón, Teknon, etc.)

See medical directory
Video call with Quiero cuidarme Más

Quiero cuidarme Más app

Tus empleados podrán contactar con especialistas sin desplazarse. Tendrán un chat 24h, videoconsultas ilimitadas y podrán solicitar recetas médicas.

 

Download the app

DKV Gestiona

Plataforma donde podrás realizar gestiones online: altas y bajas de asegurados, duplicados, justificantes, consultar coberturas, documentación, etc.

 

Access the tool

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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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!
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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

Are you looking for insurance for your company?

I want information