DKV PYME — Health Insurance for Self-Employed and Small Business

Health insurance as a business management tool

DKV PYME is a corporate health solution designed specifically for self-employed individuals and small business owners in Spain. The policy allows you to insure yourself, your family, and key employees — with a minimum of three people. Unlike individual insurance, DKV PYME offers advantageous corporate terms and different tax treatment depending on the legal form of the business. For a limited company (SL) the premiums are fully deductible as a company expense — there it genuinely is an effective tax planning tool. For a self-employed person, premiums for employees are also fully deductible, but premiums for themselves, a spouse and children under 25 are subject to an annual cap per person. Check the exact figure with your gestor.

Access to private healthcare through DKV PYME means quick specialist consultations without queues, diagnostics at modern centers, and hospitalization at the best private clinics. For entrepreneurs this is particularly important: illness or prolonged treatment directly affects income and business operations. Insurance allows you to receive medical care promptly, minimizing downtime. Additionally, providing health insurance to employees increases team loyalty, reduces staff turnover, and makes the company a more attractive employer.

Four products, not one

DKV PYMES Integral — full cover through the DKV network: general practice and paediatrics, specialists, diagnostics, hospitalisation and surgery, dental care and travel assistance.

DKV PYMES Especialistas Élite — specialists and diagnostics only, with no co-payments. No general practice, no hospitalisation. The cheapest option.

DKV PYMES Mundisalud Classic — mixed: the DKV network in Spain at no extra cost, plus free choice of any doctor in Spain or abroad with 80% or 90% reimbursement.

Integral comes in two modalities: Classic with a co-payment and Élite without.

No waiting periods

This is the main difference from an individual policy. DKV PYMES has no waiting periods, except for childbirth, where eight months apply. The company insures the team today and people can be treated straight away, not in six months.

A 20% discount applies in 2026, and the terms of the campaign provide for discounts until 2030.

Included with any of the products

Medical care after road and workplace accidents. Hospitalisation allowance: €80 a day from the third day, up to €2,400 per insured per year, where the cost was not borne by the insurer. Dental cover. Worldwide travel assistance up to 180 days and €30,000. The Activa DKV app with online booking and video consultations.

A note on the premiums: the prices in the table apply throughout Spain except Barcelona and the Balearic Islands. The discount is already included.