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Our pledge to companies

SMEs Health Protection

SMEs Health Protection Insurance: a profitable investment

Protección Salud Pymes

Seguro Protección Salud Pymes is the healthcare insurance with appealing corporate and tax advantages that Banco Sabadell, in cooperation with DKV, has chosen for your company or SME.

More advantages for your SME

  • Special prices. From three insured persons. Now you can take out the best health insurance for your SME.
  • Advantageous contracting conditions: we’ve ruled out the waiting periods, except for giving birth, for all workers.
  • No co-payment per healthcare event. There is no kind of surcharge over the premium offered.
  • Application to direct family members (spouse and children) in the same conditions.
  • You’ll be with the European leader in health insurance!
Promotion
Contract Seguro Protección Salud Pymes
before 30.06.2019 and enjoy the following discounts for the next 4 years:
2019
10% discount
2020
7.5% discount
2021
5.0% discount
2022
2.5% discount

A product that meets your own needs

Two forms of insurance to choose from:

  • Protección Salud Pymes: a healthcare insurance with an extensive medical network, with qualified specialists and hospital centres.
  • Protección Salud Premium Pymes: health insurance with medical network plus 80% refund of expenses, both in Spain and abroad, of up to 237,000 euros per insured and year.

 

Some interesting corporate and tax advantages

  • Gives your employees a corporate benefit with great value for them and their families.
  • If the company assumes the cost of the insurance it will obtain some appealing tax benefits, as the overall cost of the insurance is deductible in corporate tax.
  • Or you can pass on the cost of the insurance in the employee’s pay slip, replacing part of their gross pay with the medical insurance (flexible remuneration) and the first 500 euros a year per insured will be free of income tax. Not applicable according to the Basque Country local regulation (in Guipúzcoa, Vizcaya and Álava).

 

Covers

Primary care
The peace of mind of having medical care covered both at home and at our over 1000 approved clinics and over 2000 general practitioners all over Spain, avoiding any unnecessary waiting lists.

  • Medical care services at home and emergencies at the clinic 24 hours a day.
  • Nursing service (ATS/DUE).
  • Basic yearly heart check-up.
  • Basic clinical analyses (excluding hormonal, immunological, genetic and molecular biological tests) and simple conventional x-rays (without contrast).
  • Ambulances.
  • Paediatrics and childcare.
  • General medicine.

 

Specialists and complementary diagnostic resources

Includes the different medical or surgical specialities, diagnostic resources and medical treatments, when performed at clinics.

Hospital care

Comprises the expenses arising during hospital stays and the medical or surgical fees resulting from the treatment given.

In emergency cases: care given all over the world

Travel with peace of mind. Our health policies guarantee worldwide care in emergency cases abroad (for stays not over 180 days per trip or mobility).

Cover(1) and services that set us apart from other products

  • Basic oral health service included in the premium.(2)
  • Psychology.
  • Extensive cover for transplants.
  • Healthcare in occupational and traffic accidents.
  • Allowance for hospital stays.
  • Unlimited Podiatry/chiropody.
  • Broad limit in world healthcare on trips.


1. According to the general and particular conditions of the policy in force at any time
2. Includes consultations, extractions, oral dressings, dental cleans and associated dental x-rays. Any sealing of fissures and fillings are furthermore covered for up to 14 years.

 

Special services in favourable conditions

  • Refractive laser surgery.
  • Surgery for presbyopia or tired eyesight.
  • Fertility and assisted reproduction.
  • Conservation of stem cells of the umbilical cord.
  • Smoking habit cessation.
  • Biomechanical gait assessment.
  • Cosmetic surgery and medicine service.
  • Wellness service: resorts and urban spas.
  • Opticians and orthopaedists.
  • Gymnasium and fitness.
  • Alternative therapies: homeopathy, acupuncture and therapeutic massage.
  • Audiology.
  • Hair implants.
  • Auto CPAP: snoring or sleep apnoea therapy.
  • Predictive genetics and risk maps.

 

Request information  

Protección Salud Pymes and Protección Salud Premium Pymes insurance policies are trade names for the products marketed by DKV Seguros y Reaseguros, S.A.E. under trademarks DKV Integral and DKV Mundisalud respectively, with their own specifications and technical notes for the same products which are available to the public at the registered office of the insurer. DKV Seguros y Reaseguros, S.A.E., holder of tax no. A-50004209 and with registered office in Torre DKV, avda. María Zambrano, 31, 50018 Zaragoza, registered in Zaragoza Companies Register and in the Administrative Register of Insurance Institutions of the DGSFP, with code C0161.

These insurance products are brokered by BanSabadell Mediación, Associated Bank-Insurance Operator of the Grupo Banco Sabadell, S.A., with tax number A03424223 and registered office in Avenida Óscar Esplá, 37, 03007 Alicante, registered in Alicante Companies Register and in the special administrative register of insurance mediators of the DGS and FP, with code no. OV-0004. This organisation has civil liability insurance and financial capacity according to the legislation on distribution of private insurance and reinsurance in force at all times.

You may consult the insurance firms with which BanSabadell Mediación has signed insurance agency contracts at web site www.bancosabadell.com/bsmediacion.

Advertising information not constituting any contractual offer nor establishing rights and obligations for either of the parties.

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