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Our pledge to companies

SMEs Health Protection

SMEs Health Protection Insurance: a profitable investment

Protección Salud Pymes

SMEs Health Protection is the healthcare insurance that Banco Sabadell, in conjunction with DKV, has chosen to care for its customers.

More advantages for your SME


  • Special prices. As from 3 insureds. You can now purchase the best health insurance for your SME.
  • Preferential purchasing conditions: We remove grace periods, except birth, for all workers.
  • No copayment for healthcare. There is not type of surcharge on the premium offered.
  • Oral health service included in the premium.
  • Applicable to direct relatives (spouse and children) under the same conditions.
  • You will belong to the European leader in health insurance..


A product that adapts to your needs

Two types to choose from:

  • SMEs Health Protection: healthcare insurance with a large medical pool with qualified specialists and hospitals.
  • SMEs Health Protection Premium: Health insurance with a medical pool plus reimbursement of expenses, of 80% both in Spain and abroad, up to 217m000 euros per insured and year.



Primary healthcare
The reassurance of having medical care covered at home and at the more than 1,000 registered clinicsand over 20,000 general practitioners throughout Spain, avoiding unnecessary waiting lists.

  • Medical care services in the home and emergencies at clinics 24 hours a day
  • Nursing service (A.T.S./D.U.E.).
  • Basic annual cardiological check up.
  • Basic clinical analyses (excluding hormonal, genetic and immunological tests, and molecular biological tests) and simple, conventional X-rays (without contrast).
  • Ambulances.
  • Paediatrics and childcare.
  • General medicine.


Specialists and supplementary diagnostic means

It includes different medical and surgical specialities, diagnostic means and medical treatments when carried out in the surgery.

Hospital care

This covers the expenses arising from hospital stays and medical or surgical fees for the treatment provided.

In case of emergency: assistance worldwide

Travel without worrying. Our health policies guarantee worldwide care in the event of any emergency overseas (for stays up to 90 days per trip).

Covers and services that set us apart


  • Oral healthcare service included: With free dental treatment and others at special, lower than market prices.
  • Psychology.
  • Broad cover for transplants.
  • Healthcare in occupational or traffic accidents.
  • Benefit for hospitalisation .
  • Chiropody without limit.
  • High limit on Worldwide Travel Assistance.


Special services under advantageous conditions


  • Refractive laser surgery.
  • Surgery for long-sightedness.
  • Fertility and assisted reproduction.
  • Storage of stem cells from umbilical cord.
  • Smoking cessation.
  • Biomechanical gait analysis.
  • Cosmetic medicine and surgery.
  • Wellness service: Health resorts and urban spas.
  • Optics and orthopaedics.
  • Gymnasium and fitness.
  • Alternative therapies: homeopathy, acupuncture and chiromassage.
  • Audiology.
  • Hair implants.
  • Auto CPAP: Snoring or sleep apnoea therapy.
  • Predictive genetics and risk maps.


Request information

DKV Seguros y Reaseguros, Sociedad Anónima Española (Sociedad Unipersonal), NIF A50004209, with registered offices in Spain, WTCZ – Edificio DKV - Avenida María Zambrano 31, 50018, Zaragoza. Registered with the Companies Register of Zaragoza and the Registry of Insurance Companies of the DGSyFP under code C-0161.

This document is for information purposes. The information given here is subject to the conditions and limits described in the general conditions of the product.
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