DKV Sanify Empresas — looking after staff at a price that does not frighten
Technical parameters
Price
Price: from €14.50 to €17.50 a month per employee
What it depends on: headcount and the contracting model
Term: annual, renewed automatically
| What is included | |
| What it is | Health and wellbeing for a company’s staff at an affordable price. Not a full health policy — it is the set of most-used specialities |
| Price | from €14.50 to €17.50 a month per employee, depending on headcount and the contracting model |
| Entry barriers | No age limits and no prior health questionnaire. Everything is active from day one |
| Waiting periods | None |
| Medical consultations | Unlimited in-person consultations in the covered specialities, with no waiting lists |
| Which specialities | General practice, nursing, orthopaedics and trauma, paediatrics for children under 14, gynaecology, ophthalmology and dermatology |
| Annual gynaecological check | Ultrasound and sample for cytology, including the pathology report |
| Blood tests | One basic blood and urine test a year |
| Physiotherapy | Up to 20 sessions a year |
| Psychological support | 10 sessions a year by video call, for consultations or therapy |
| DKV Omm | A space with content and activities for managing emotions, inside the app |
| Video consultations | In all covered specialities, with no need to travel |
| Dental care | Consultations, intraoral X-rays, fluoride treatments, minor procedures and check-ups across the Sanify network in Spain |
| DKV doctor, 24 hours | Free telephone advice, plus the other medical lines: paediatric, women’s health, childhood obesity, nutrition, sports and tropical |
| App | Digital card from day one, online booking, health folder for tests and reports, e-prescriptions |
| Other services | At preferential prices in private centres: refractive surgery, plastic surgery and aesthetic medicine, audiology, assisted reproduction, sleep apnoea and CPAP, smoking cessation, pelvic floor rehabilitation, orthopaedics and a babysitting service |
| Non-medical discount | 50% off obtaining a driving licence |
| Healthy company | Carbon footprint calculation for the office with proposals to reduce it, plus discounts on non-toxic cleaning products and eco-certified paint |
| Which companies it suits | |
| Companies with large workforces | Where a conventional private policy is not considered because of cost — manufacturing, retail, services |
| Young technology companies | Scale-ups and new-economy firms with young teams that are not yet considering full health cover |
| With flexible remuneration | As a complement to schemes already in place |
| With co-funding | When turning a voluntary group scheme into a compulsory one, with the option to scale up to a full product later |
Figures taken from the DKV Sanify Empresas product sheet. The specific cover and limits are set out in the contract — we go through them with the company before signing.
Healthcare for staff when a conventional policy is out of budget
Most companies run into the same wall: full health cover for the whole workforce costs so much that the conversation ends before it starts. All the more so with a large headcount and mid-range salaries.
DKV Sanify Empresas approaches it differently: not full cover, but the most-used specialities at €14.50 to €17.50 a month per person. That is the price at which looking after the team’s health becomes a realistic conversation at all.
What to understand from the outset
This is not a full health policy. There is no hospitalisation, no surgery, no broad directory of specialists. There are seven areas — the ones people use most often — and they use them without waiting lists.
General practice, nursing, orthopaedics and trauma, paediatrics for children under 14, gynaecology, ophthalmology and dermatology. Consultations are unlimited. Plus an annual gynaecological check with ultrasound and cytology, one blood and urine test a year, and physiotherapy up to 20 sessions.
No barriers at the point of contracting
No age limits and no health questionnaire. That is unusual: this is exactly where older employees and anyone with an existing condition normally fall out. Here everyone is accepted, and everything works from day one — there are no waiting periods.
For an HR department that means the policy can be taken out for the whole workforce at once, without working out who would pass underwriting and who would not.
Psychological support, which is often the real reason
Ten sessions a year by video call, for consultation or therapy. Plus DKV Omm, a space in the app with content and practices for managing emotions.
In practice it is the first thing staff start using, and what companies later point to as the most visible change.
What else is included
Video consultations across all covered specialities — the employee does not need to ask for time off or travel. Dental care: consultations, X-rays, fluoride treatments and minor procedures across the Sanify network in Spain. A DKV doctor by phone around the clock, plus the specialist lines: paediatric, women’s health, nutrition, sports and tropical medicine.
In the app: a digital card from day one, online booking, a health folder for tests and reports, and e-prescriptions on the phone.
Anything outside the cover is available at preferential prices in private centres: refractive surgery, audiology, assisted reproduction, sleep apnoea and CPAP, smoking cessation, pelvic floor rehabilitation, orthopaedics. And one unexpected item: 50% off obtaining a driving licence.
The environmental part
The company receives a carbon footprint calculation for its office along with proposals to reduce and offset it, plus discounts on non-toxic cleaning products and eco-certified paint. For companies that report on sustainability, that is a box already ticked.
Which companies it suits
Above all those with many employees where a conventional policy is not even discussed: manufacturing, retail, services. Young technology companies and scale-ups, with young teams that are not yet thinking about full cover but do care about their standing as employers.
And specifically, companies with flexible remuneration schemes: Sanify slots in there as an additional option. Also those wanting to turn a voluntary group scheme into a compulsory one: start with Sanify and scale up later to a full product if needed.
Who it does not suit: if the aim is to cover hospitalisation and surgery for employees, this product does not do that. For that you need the PYMES range or Integral, and we cost out both options.
Typical situations this policy solves
I put Sanify forward where the conversation about staff healthcare usually ends at the first figure. The company wants to offer its people something, looks at the cost of full cover for fifty employees, and drops the subject.
Here the price is different, and that changes the conversation. But I say from the outset that this is not health insurance in the usual sense: there is no hospitalisation and no surgery. There are seven specialities, the most used ones, plus psychological support and dental care.
What is separately valuable is that they ask neither age nor health. That is normally exactly where things get stuck: a workforce includes people over sixty and people with diagnoses, and you cannot cover everyone. Here you can, in one go.
And if what the company actually needs is hospitalisation and surgery, that is the PYMES range or Integral — in which case I cost out both options and show the difference in money.