DKV Agent in Spain I Stenzig Group
Mobile phone: (+34) 626 201 805 | Telephone: (+34) 952 54 73 04
Health and well-being
DKV offers you various temporary disability insurances with which you receive a daily income for each day of absence so that you can cover all costs and maintain your standard of living.
DKV
Daily sickness benefit insurance
DKV
Renta (Income)
DKV Renta insurance is an insurance that provides compensation in the event of loss of work or occupation to compensate for the loss of social security income, as well as further compensation in the event of hospitalisation for any reason.
Basic cover
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Daily allowance in the event of temporary incapacity to work due to illness and/or accident.
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Including childbirth.
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Compensation for hospitalisation due to illness and/or accident: for each day you spend in hospital (from 24 hours to 365 days).
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Tax benefits: For self-employed persons who estimate their contributions directly, a deduction is granted from the IRPF declaration (up to a maximum of EUR 500).
Optional cover
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Surgical intervention.
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Absolute and permanent invalidity.
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Medical care in the event of an accident.
Conditions for signing the contract
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Signature: Persons from 16 to 64 years of age can sign up.
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Medical conditions: Signed health declaration to assess possible pre-existing conditions. To receive compensation for temporary incapacity: Part of discharge and part of registration with social security (possibility of advances).
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Duration: With the exception of the guarantee for absolute and permanent disability, which ends when the insured reaches the age of 65, the insurance ends when the insured reaches the age of 70.
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Deductible: A contract with an excess of 0, 3, 7, 10, 15 or 30 days can be concluded.
Treatments and services (special prices)
In addition, you are entitled to medical services once you have taken out a contract:
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DKV doctor 24 hours (free of charge).
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Laser refractive surgery: myopia, hypermetropia, astigmatism.
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Assisted reproduction programme.
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Second medical opinion in case of severe illness.
Documentation
Download the documents
Find out all that your rent insurance offers you: coverage, additional services, advantages and digital health.
Our commitment is to offer you an insurance policy for your entire working life. The general conditions will allow you to know in detail the framework of the contract when you accept this insurance.
Throughout the document, we explain most of the questions that may arise when using your income insurance.
What does DKV offer you? It offers you the greatest possible administrative simplification: If you are discharged, we will pay you the compensation immediately, before you are discharged, without pursuing the illness and without taking into account the actual recovery time. In addition, this insurance allows you to:
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Cover with optional guarantees of temporary incapacity exceeding the periods specified in the scale.
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For medical expenses resulting from an accident covered by the policy.
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Entitlement to compensation for each day of hospitalisation.
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Entitlement to a lump sum in the event of permanent and absolute disability.
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Receipt of a lump sum in the event of a surgical operation.
The coverages make us different
DKV not only offers you the broadest coverage on the market, but also covers common illnesses that other companies do not include in their tariffs, in such important areas as:
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Digestive
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Ophthalmology
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Osteomuscular
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Otorrino
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Respiratory
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Urology
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Mutilations and luxations
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Injuries and traumas
Other benefits
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90-day deductible: Cover you can take out to give you complete peace of mind in the event of prolonged, temporary incapacity for work: If the incapacity for work lasts longer than specified in the table, DKV will continue to pay until discharge.
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Treatments and services at special prices. As a DKV Insurance customer, you have special economic conditions with:
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DKV 24-hour doctor (free of charge).
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Laser refractive surgery: myopia, hypermetropia, astigmatism.
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Assisted reproduction programme.
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Smoking cessation programme.
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Second medical opinion in case of serious illness.
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Conditions of the contract
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Signature
For Temporary Incapacity, Medical Care, Absolute and Permanent Disability: You can be hired by people between 16 and 65 years of age who are gainfully employed.
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Medical conditions
The health declaration signed by the insured person to assess possible pre-existing conditions. To receive disability benefits: Part of the deregistration or declaration of disability within 7 days.
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Duration
With the exception of the guarantee for absolute and permanent disability, which ends when the insured reaches the age of 65, the insurance ends when the insured reaches the age of 70.
DKV
Renta Baremado
With DKV Renta Baremado insurance, you get a financial advantage to boost your economy. An illness or accident can force you to take time off work, which means less income and more expenses. With this insurance, your economy will not be affected in case of illness, as each incident or pathology is assigned an economic amount (scale).
Documentation
Get to know everything that your insurance offers you: coverage and additional services.
In this document we try to give a clear and simple answer to the coverage, services, benefits, payment and conditions of the sick leave insurance. You will even find a section with basic concepts so that you understand the language of this type of insurance.
Renta Familiar
(Family income)
Basic cover
DKV Renta Familiar insurance is an insurance that guarantees compensation to all members of the same household unit of the policyholder in case of hospitalisation or surgery for any reason. Tax benefits: For self-employed persons who estimate their contributions directly, deduction from the IRPF return is possible (up to a maximum of EUR 500).
Conditions for signing the contract
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Signature
Persons between 0 and 64 years of age.
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Medical conditions
Health declaration signed by the insured to assess possible pre-existing conditions.
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Duration
Until the age of 65.
Treatments and services (special prices)
In addition, you are entitled to medical services after taking out the policy:
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DKV doctor 24 hours (free of charge).
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Laser refractive surgery: myopia, hypermetropia, astigmatism.
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Assisted reproduction programme.
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Second medical opinion in case of serious illness.
DKV
Your family is always protected, because DKV Renta Familiar insurance helps you to cover the exceptional costs of a hospital stay or a surgical procedure (transfer, maintenance of accompanying persons, childcare, home help, etc.) by paying a daily allowance for up to one year, regardless of the hospital where the insured person is hospitalised.