- inmaculada.fernandez@segurosdkv.es
Inma Fernández
Insurance agent Specializing in immigration with over 15 years of experience and a 100% acceptance rate of certificates by official authorities.
Obtén tu certificado válido para VISA o residencia en tiempo récord y sin complicaciones. Atención incluso en fines de semana, noches y festivos.
Exclusive Advantages of Our Service
- We identify client needs to ensure the certificate is 100% accepted in the VISA/NIE application process.
- 24/7 Availability: I assist my clients even at night, on weekends, and holidays.
- Speed and efficiency: I provide immediate options to the client and deliver the certificate within a maximum of 48 working hours.
- 100% acceptance rate: all my clients have obtained their approved certificate.
- Policy available from age 75 with no upper age limit, valid in most provinces of Spain.
- Best company in terms of coverage/price ratio on the market.
- No coverage limit.
- Abroad: leading coverage of €30,000 per person/year for trips up to 180 days.
- Highly attractive international coverage for foreign clients.
Why choose our health insurance?
- You'll get the best coverage at the best price - try it risk-free
- No limits on prosthetics*
- No limits on podiatry services
- No abusive annual price hikes
- We include (at no extra cost) coverage for traffic and workplace accidents
- We include (at no extra cost) dental insurance
- Healthcare network with over 40,000 doctors and more than 1,000 centers across Spain
- More coverage abroad: €30,000 for trips of up to 180 days.
- We cover more in psychology per insured member per year: 20 annual sessions, increasing to 40 sessions for work-related stress, abuse, eating disorders, or bullying.
- If you're switching from another insurer, we'll improve your terms and you won't lose your seniority*
- *Except cardiovascular valves, €12,000
- *Contact us privately
REVIEWS
What our clients say
Whether you're buying insurance for the first time or looking to switch for better coverage and price, this is the right policy for you.
Our Comprehensive Policy is our customers' top choice – click here for more info:
The best policy you can choose - full coverage with the option to select either a copay or no-copay plan.
Los periodos de carencia son los menores del mercado, si viene de otra compañía serán eliminados, en caso de contratar el seguro para la VISA, serán eliminados de igual manera.
You also have more affordable options—consult with me at no obligation, and I'll advise you to find the best solution tailored to your needs.
*If you have at least 6 months of seniority with your current insurer and have paid one of the last two premiums
TOP HEALTH
- This health insurance offers a comprehensive medical plan, as well as medical services throughout the rest of the world. In other words, you'll have the peace of mind of knowing that, should any unforeseen event arise, you have the most innovative means and the best possible technology at your disposal.
- We cover 100% of costs for services outside the medical network, with no spending limit (except 80% for dental procedures).
- We want to offer you insurance for life. After the third year, we will never cancel your policy. What’s more, after age 65, we do not reduce your coverage.
- If you suffer any type of work or traffic accident, don’t worry—we’ll assist you there too.
- If you want to confirm a diagnosis of a serious illness and need a second medical opinion, you can count on it. Our health insurance is unique in the market, giving you access to the best private medicine in the world, with everything you need to take care of yourself. It's also a reimbursement plan, so if you choose a doctor or center outside our network, we'll reimburse you 100% of your bill, as quickly as possible, in less than 7 days.
- We'll refund your invoices as quickly as possible, up to a maximum of 7 days. You can also request a refund directly through the website or app with a simple photo.
- Of course, you won't have to pay any fees for visiting a doctor within our network.
- To reduce your costs for protecting your family, you'll receive a discount of up to 12% on family insurance.
- Smile. Unlike other health insurance plans in the sector, yours will include dental services.
- If you have to be hospitalized, don't worry. For your comfort, you'll have a single room, with an extra bed for your companion. This way, you'll only have to worry about what's most important: recovering.
- And of course, you can also manage all your authorizations quickly and easily through insuranceresidencyspain.com, by phone, or at the branch.
- You'll find the app "I want to take better care of myself" and "Activate DKV." The most comprehensive digital health platform that covers all your needs in the easiest, most convenient, and free way.
PYMES HEALTH
Taking care of the health and well-being of your employees is taking care of your business.
We're health activists, so we want to give you what you need to take care of the health of your business too. We want to help you make everything work better!WHAT DOES OUR PYMES INSURANCE INCLUDE?
As a medium-sized company, we know how important your employees are to you: giving them what they need to motivate them and increase their commitment. With our insurance, we help you achieve this.WE ARE THE HEALTH COMPANION YOU NEED.
Any insurance must start with a commitment. The one we offer starts with five:
- We know how important it is to balance the numbers in your business. That's why we guarantee you the best price with better terms than those offered by private insurance companies.
- We help you attract and retain talent by creating a healthy and engaging work environment.
- You will have tax benefits of up to 500 euros.
- Wherever you are, whenever you need it. A 24-hour doctor will assist you through their specialized medical lines. You can also access video consultations with specialist doctors through our Quiero cuidarme Más app.
- We offer you the best option to build employee loyalty and combat absenteeism.
Comprehensive SME Health Insurance
medical insurance
What does it include?
• Primary care and emergencies.
• Specialists and diagnostic means.
• Hospitalization and surgery while traveling.
• Worldwide travel assistance in case of emergency. Modalities:
• Classic: with the most affordable co-payments on the market.
• Elite: no co-payment.
Single receipt
For customer convenience.
Most competitive price
Special prices for 3 insured persons or more.
No surcharge for splitting
Coverage for work and traffic accidents.
Medical assistance included.
No shortages
Employees will be able to enjoy all the services and coverage included in their policy from day one, except for childbirth.
Free dental coverage
And fillings for children under 15 years old.
Application to direct relatives of the same conditions (spouses and children).
Worldwide travel assistance, up to 180 days and with a maximum limit of €20,000. One of the highest on the market!
Dental Insurance
• We want to offer you the best dental health services, but above all, we want to provide them to you under the best conditions. That's why many treatments are free, and on others, we offer discounts of up to 40%.
• Taking care of your loved ones' dental health won't cost you anything. If you have children under 14, their premium will be completely free if they sign up with you.
• We've removed your limits on the use of treatments, so you'll never need to carry any type of authorization.
• If you suffer an accident in which you lose or break more than three teeth, we will offer you up to 6,000 euros so you can choose the dentist you want, both within and outside the dental network.
• If cosmetic surgery is necessary as a result of the dental accident, of course, you can take this into account.
Dentisalud Classic:
The best premium: 6.90 euros/month
Dentisalud Élite:
The best franchises* for 9.90 euros/month
*Franchise: payment you pay to the dentist for dental treatment
More than 56 free services
included in your policy
Serious dental accident
If it affects more than three pieces, we will reimburse you for the treatment costs (maximum 6,000 EUR)
Up to 40% off
in other services and treatments
No health declaration
It does not establish limits or differences by age
Children under 14 free
if an adult subscribes
Red de clínicas dentales
at the national level
Coverages designed from experience so you receive the highest quality service
Top-quality dental network
Health Spaces
· More than 1,500 prestigious dentists throughout Spain.
Top-quality dental network
If it affects more than three pieces, we will reimburse you for the treatment costs (maximum 6,000 EUR)
More than 56 free treatments
And others at prices below market prices.
Titanium implants
All dental specialties
General dentistry, pediatric dentistry, orthodontics, surgical dentistry, cosmetic dentistry, implants, radiology, dental diagnosis, dental emergencies.
Dentistry
Preventive, diagnostic, conservative, medical and surgical.
Orthodontics
Treatments and application of oral accessories.
Dental aesthetics
From teeth whitening to ceramic veneer placement.
NO AGE LIMIT
After a few years with some insurance companies, monthly premiums skyrocket, but the client is already at an age where other companies won't accept them—that's what we're here for!
There may also be cases of clients seeking insurance for the first time who are turned down for being over 75 years old, or who are forced to pay an exorbitant premium to qualify, followed by a very high premium.
You have the option of purchasing a comprehensive policy with us, without an age limit*, that includes specialists, tests, procedures, ambulance services, emergency services, dental insurance, assistance abroad, etc. Plus, the price is unbeatable.
This policy is also valid for obtaining a residence permit, visa, etc.
*This policy offers coverage in Alicante, Andalusia, the Balearic Islands, Extremadura, Guadalajara, Pontevedra, Las Palmas, León, Murcia, and Madrid.
Companies don't cover pre-existing conditions, such as diabetes, cancer, surgery, or prosthetics... In this case, it's true that there are things that unfortunately can't be covered, but it must be said that we study each case and do insure pre-existing conditions that other companies simply reject.
For clients with uninsurable pre-existing conditions, or those who simply want to purchase an affordable policy to avoid long waiting lists due to not having private health insurance, we have the solution.
We offer a policy that covers consultations and video consultations for the most important specialties. Plus, as a client, you'll have access to discounts on medical tests and many other benefits.
For just €22.50/month, the entire family (up to 8 members) can be insured, or €33.50/month if we include 20 physiotherapy sessions for the policyholder.
HOME
Without a doubt, we feel safest when we're at home. But it's also true that several types of risks can one day knock on our door: fire, theft, water damage, accidents, and personal injury.
Our EcoHogar insurance is the first eco-friendly home insurance policy, which not only provides the best coverage, but also helps protect your surroundings and the environment. And because we want to keep you from overpaying, we've decided to combine all the coverages into a single policy.
Damage to property:
• Fires.
• Explosions and self-explosions.
• Demolition and debris removal costs.
• Lightning Strike.
• Municipal Fire Service Fee.
• Electrical damage.
• Food from the refrigerator.
Extension of guarantees:
• Vandalism.
• Rain, wind, hail or snow.
• Smoke. • Flooding and mudslides.
• Impact of vehicles and aircraft.
• Sonic waves.
• Extinction and air conditioning.
Water damage:
• Pipe breaks.
• Coverage for non-weather leaks.
• Pipe unblocking.
• Financial compensation for increased bills due to excessive consumption.
Breakages of:
• Crystals.
• Sanitary.
• Glass ceramic hob.
• Marbles.
Theft, plunder and robbery.
Funeral plan/repatriation insurance
We know that it's in the most difficult times that you need to let go of other things, which is why we offer the best service at the best price.
It all starts with a simple call at any time of day. A professional manager will go to your family's location and accompany them throughout the entire process with completely personalized service. It's very common in situations like these to have unexpected questions, some of them legal. Therefore, your family will have access to telephone support to answer any questions.
After a moment like this, the first thing is to try to overcome the loss of a loved one. Therefore, your loved ones will have psychological support during and after the process. Planning is always important. You can write your will at any time and from home with the Online Will tool and plan your own funeral from your client area.
In addition to the disorientation and confusion inherent in these times, unexpected investments are likely to arise. Don't worry about them, we'll cover them. If you need a second medical opinion for any serious illness, you'll get it. We'll take care of the final management of your digital life, deleting content from social media, cloud files, emails, and more.
For more information, CONTACT with our team and we will advise you without obligation.
RENT
As self-employed individuals, we know that your expenses don't depend on illness or sick leave. That's why, with this proposal, You receive extra money depending on the illness and/or accident whatever happens (including COVID), so you can meet all expenses and maintain your standard of living if you contribute through direct estimation
• In addition, you will have tax advantages Since the first 500 euros are exempt from personal income tax. That's a great help, isn't it?
• You can adapt the insurance to your needs, choosing the quantity of money you want to receive.
• No matter what happens, We cover any unforeseen event whether it happens inside or outside of your work.
• In these cases, speed is important. Therefore, you must present the lower part with the diagnosis to receive the money and you can start working whenever you think is appropriate.
• You have the broader market scales, such as: – Ankle sprain: 10-40 days. – Myopia surgery: 3 days. – Gastroenteritis. – Wrist fracture: 40-80 days. – Influenza: 3 days. – Heart attack: 100 days.
• Of course, you have access to services such as: second medical opinions, 24-hour medical helpline, myopia surgery, etc. at a very special price.
• In the event that the discharge is due to a birth or adoption, double congratulations: you have 20 times the amount of money that you have contracted.
In the event of a sick leave, we'll pay you compensation immediately!
Additionally, for your peace of mind, you can also purchase additional amounts:
• By hospitalization.
• By surgery.
• By absolute and permanent disability.
• Medical assistance in case of accident.
• Extension to a daily payment during the first and second years.
LIFE
With our life insurance, you guarantee your family's protection and standard of living, ensuring capital to cover all expenses, your children's education, debts... the peace of mind and financial security you want for your family.
Personalized Life Proposal
• You will have the peace of mind of knowing that, in the event of death from any cause, Your family will receive the money you decide to contract. And, if you contract a terminal illness, you can anticipate receiving 50% of the contracted money..
• Whatever happens, your family will receive family support services. A manager will advise you at all times funeral services and the processing of official documentation. You will also receive grief counseling from specialist psychologists who will provide professional support to help you cope with the loss of a loved one.
• In case of disability or serious illness, you will have special assistance: psychological assistance, up to three face-to-face sessions with a specialized psychologist.
• You will be able to formalize your will whenever and wherever you want, free of charge, thanks to the “Online Will” tool.
• In addition, at any time, your family will also have a legal assistance telephone service.
• To ensure you have the best possible diagnosis if you suffer from a serious illness, you will have a second medical opinion.
Health insurance for residents in Spain. Inma Fernandez coverage for expats, those over 75, and those with pre-existing conditions. Best price and personalized advice!
