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Temporary Disability

DKV Renta

The only sickness and accident benefit that you can depend on, even when you are at work.

The leader in sickness and accident benefit insurance in Spain also offers you services when you are at work.

When you are off sick:

Compensation for every day that you have to interrupt your professional activity due to an illness or an accident (up to 2 years)

Compensation for every day that you have to spend in hospital (up to 365 days)

Optional:

Compensation for an operation - Compensation for total permanent disability - Medical assistance for accidents

Health Services

DKV Medical lineService: for orientation and medical consultation line (902 499 799) or via internet (www.dkvseguros.com), 24 hours a day, 365 days a year, to resolve any doubts and offer advice related to health.

Contract regulations:

With DKV Renta, everyone from 0 to 65 years of age may take out the following cover:

Hospitalisation

Surgery

Persons between 16 and 55 years of age who carry out a professional activity may include in their policy: Total and permanent disability

In addition, persons between 16 and 65 years of age (on the condition that they are employed) may insure: Temporary disability

Health care due to an accident

DKV Renta Baremado

The insurance that covers you for Temporary Disability with compensation that is based only on the cause of the sick leave.

DKV Renta Baremado is the insurance that covers you for Temporary Disability with compensation that is based only on the cause of the sick leave (injury, illness, disease…)

Additionally, as it is independent from the duration of the sick leave, you will receive your compensation immediately.

Some examples:

Gastroenteritis: 2 to 4 days

Inguinal hernia: 20 days

Twisted ankle: 10 to 40 days.

You can also take out additional options that interest you:

Compensation for surgery

Compensation for total and permanent disability

Compensation for hospitalization

Medical assistance due to an accident

Income with 90 days excess (additional insurance for sick leave of over 90 days)

Why DKV Renta Baremado?

Because you will receive your compensation immediately, before you go back to work.

You will receive the widest coverage on the market even covering illnesses that other companies do not cover:

Non-infectious gastroenteritis

Inguinal hernia

Surgery for myopia

Non-traumatic lumbago or sciatica

Tonsillitis

Flu

Common cold

Renal colic without evidence of lithiasis

knee lesions…

For its tax benefits: if you are self-employed and do not receive payment by the module system (Estimación Directa), you may deduct the cost in your personal tax return.

Because when you take out an insurance policy with the European leader in health insurances, you can benefit from discounts in laser refractive surgery, assisted reproduction techniques and quit smoking programmes. You can also use free services such as: 24 hour telephone advice service and second international medical opinion in the event of a serious illness.

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