DKV Seguros
- Company typePrivate
- Founded2000
- HeadquartersBarcelona, Spain
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
DKV Seguros firmographics
Firmographics- Name
- DKV Seguros
- Legal name
- DKV Seguros
- Website
- https://dkvseguros.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Ownership category
- akta.pro rank
Where DKV Seguros is headquartered
LocationHeadquarters
- HQ city
- Barcelona
- HQ country
- Spain
- HQ region
- Europe
Offices2 records
Markets served
DKV Seguros business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Health Insurance Premiums: Monthly subscription premiums for health insurance coverage. Products include cuadro médico (network) plans with and without copay, and reimbursement plans. Premiums vary by coverage level, number of insured, age, and plan type.
- Dental Insurance Premiums: Monthly premiums for dental insurance with free treatments and discounts on others
- Other Insurance Products: Additional insurance products including life insurance, home insurance, accident insurance, travel insurance, and funeral insurance
- Supplementary Health Services: Additional health and wellness services through DKV Club Salud y bienestar, including nutrition, sports, fertility, and wellness services at special prices for policyholders
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Seguros de cuadro médico - Network-based health plans with copay options |
| Subscription | Monthly | Seguros de cuadro médico - Network-based health plans without copay |
| Subscription | Monthly | Seguros de reembolso - Expense reimbursement plans |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
DKV Seguros product offering
Product offeringCore offering
DKV Seguros is a private health insurance provider selling subscription-based medical coverage policies in Spain to individuals, self-employed professionals, SMEs and large enterprises. Its core products are cuadro médico (network-based) health plans offered with and without copay, and reimbursement plans that allow policyholders to choose any doctor or hospital worldwide. The offering is extended by dental, life, funeral, home, accident, travel and sick-leave insurance, and supported by digital health services (video consultations, 24-hour medical chat, electronic prescriptions) delivered through the Activa DKV mobile app and 23 owned health centers.
Product overview
DKV Seguros offers a comprehensive portfolio of private insurance products for individuals, self-employed workers, and businesses. The core offering centers on health insurance products available in four main variants: Cuadro Médico (network-based), Reembolso (expense reimbursement), sin Copago (fixed premium), and con Copago (co-payment). Additional insurance lines include dental, funeral, life, home, accident, travel, and sick leave coverage. Digital services are delivered through the Activa DKV mobile app and the Quiero Cuidarme Más platform, providing videoconsultations, 24-hour medical chat, and electronic prescriptions. The company also operates owned medical centers (Espacios de Salud DKV) and offers wellness programs through the DKV Club Salud y Bienestar.
Differentiator
Problem solved
Functional benefit
Brands
- Activa DKV: Mobile application for managing insurance policies, accessing medical services, video consultations, and digital health tools.
- Quiero cuidarme
Products and services
- Seguros de Cuadro Médico Network-based private health insurance providing access to 51,000+ medical professionals and 1,000+ contracted centers across Spain, including specialist consultations, diagnostic tests, basic dental coverage, hospitalisation and unlimited video consultations. Sold primarily to Spanish individuals and families.
- Seguros con Reembolso de Gastos Reimbursement-style health insurance that allows policyholders to choose any physician, centre or hospital worldwide and receive reimbursement for incurred medical expenses, with higher premiums in exchange for provider freedom. Sold primarily to Spanish individuals and families.
- Seguros de Salud sin Copago Health insurance with a fixed monthly premium regardless of how often the policyholder uses medical services, offering predictable costs and access to DKV's network of doctors and centres. Targeted at Spanish individuals and families.
- Seguros de Salud con Copago Health insurance with lower monthly premiums where the policyholder pays a small amount each time they use medical services, providing more economical subscription pricing in exchange for variable usage costs. Targeted at Spanish individuals and families.
- Seguros Dentales Dental insurance covering oral health with free treatments included and significant discounts applied to other dental procedures, available to individuals and families as a standalone policy or rider.
- Seguro de Decesos Funeral insurance providing comprehensive funeral services for policyholders, including transfer and repatriation to the country of origin. Targeted at Spanish individuals and families.
- Seguro de Vida Life insurance protecting family finances in cases of death, disability or serious illness of the insured, sold to Spanish individuals and families.
- Seguro de Hogar Home insurance providing coverage to keep Spanish residential properties safe and protected against household risks.
- Seguro de Accidentes Accident insurance providing coverage for injuries and accidents sustained by the insured, available to individuals and families.
- Seguros de Viajes Travel insurance covering medical emergencies and trip-related incidents abroad for Spanish travellers, distributed under the ERGO travel brand.
- Seguros de Baja Laboral Sick-leave insurance designed for self-employed workers (autónomos), providing income protection during periods of inability to work due to illness or injury.
- DKV Mundicare Serious illness insurance providing additional financial protection for policyholders diagnosed with critical illnesses, sold to Spanish individuals and families.
- DKV Empresarios PyMEs Health insurance packages designed for small and medium-sized Spanish enterprises, packaged as employee group health benefits.
- Seguros para Grandes Empresas Corporate health insurance for large Spanish companies with more than 50 employees, offering comprehensive employee health benefits and customizable enterprise solutions.
- Globality Cogenio Health insurance specifically designed for expatriate employees, providing international coverage and healthcare access for staff based outside Spain.
Quantifiable outcome
- 2+ million clients trust DKV for health coverage
- +3 more outcomes
Companies that use DKV Seguros
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles4 records
DKV Seguros technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature6 records
DKV Seguros partnerships and signals
Strategic signalScale indicators6 records
Recent moves6 records
Expansion highlights5 records
DKV Seguros competitors and assessment
Company assessmentEmerging players
- Vivaz (Línea Directa Aseguradora health): Vivaz is the health insurance brand launched by Línea Directa, operating as a digital-first private health insurer in Spain. It is comparable to DKV's digital/Activa DKV positioning and competes for the same price-sensitive Spanish individual and family segments with a younger, app-led model.
Broad incumbents
- Cigna Spain: Cigna operates in Spain with international private medical insurance for expatriates and globally mobile employees—a segment overlapping with DKV's Globality Cogenio product. It is comparable on customer profile and premium positioning rather than on mass-market domestic health.
- Generali España: Generali España is part of Italy-headquartered Generali Group, offering health, life, auto, and home insurance in Spain. It overlaps with DKV in private health while serving a wider multi-line customer base.
- AXA Spain: AXA operates in Spain through a multi-line insurance franchise that includes private health insurance for individuals and corporates. It competes with DKV in health while serving as part of a much larger global insurance group with broader product scope.
- Allianz Care Spain: Allianz Care provides international and Spanish-domiciled private health insurance through Allianz's Spanish operations. It is comparable to DKV on expatriate health products (a segment where DKV competes via Globality Cogenio) while operating within a much broader global insurer.
- Mapfre Salud: Mapfre is the largest Spanish insurance group by premiums and offers a broad portfolio including health, auto, home, and life. Mapfre Salud competes directly with DKV in Spanish private health while sitting within a much larger multi-line insurer.
Direct peers
- Asisa: Asisa is a Spanish not-for-profit-linked private health insurer offering cuadro médico plans, dental, and owned clinics/hospitals. It is one of the established top-tier private health insurers in Spain with a comparable multi-product, multi-segment offering to DKV.
- Adeslas (SegurCaixa Adeslas): Adeslas is the leading private health insurer in Spain by market share, jointly owned by Mutua Madrileña and CaixaBank. It offers cuadro médico, reimbursement, dental, and corporate health products comparable to DKV's full portfolio and competes head-to-head in individuals, autónomos, and SMEs.
- Sanitas (Bupa Spain): Sanitas is the Spanish arm of UK-based Bupa and operates one of the largest private health insurance networks in Spain, with cuadro médico plans, dental, and owned hospital/clinic infrastructure. It is the closest direct competitor to DKV in terms of product breadth, network size, and customer profile.
Others
- ERGO Group: ERGO Group is DKV Seguros's parent company and a primary insurance arm of Munich Re. While not a direct competitor, ERGO provides capital, reinsurance support, and strategic direction; comparable on group-level governance, multi-line insurance portfolio structure, and European footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
DKV Seguros social profiles
Digital presenceDKV Seguros compliance and trust
Trust signalCompliance1 record
DKV Seguros financial estimates
Financial estimateRevenue estimate
Valuation estimate
DKV Seguros leadership team
Management profileNumber of profiles
Profiles1 record
DKV Seguros subsidiaries and ownership
Company hierarchySubsidiaries1 record
DKV Seguros funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DKV Seguros M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about DKV Seguros
What does DKV Seguros do?
DKV Seguros is a private health insurance provider selling subscription-based medical coverage policies in Spain to individuals, self-employed professionals, SMEs and large enterprises. Its core products are cuadro médico (network-based) health plans offered with and without copay, and reimbursement plans that allow policyholders to choose any doctor or hospital worldwide. The offering is extended by dental, life, funeral, home, accident, travel and sick-leave insurance, and supported by digital health services (video consultations, 24-hour medical chat, electronic prescriptions) delivered through the Activa DKV mobile app and 23 owned health centers.
Is DKV Seguros a public or private company?
DKV Seguros is a private company. It is classified as corporate owned and is currently operating.
When was DKV Seguros founded?
DKV Seguros was founded in 2000. It employs 5,001 to 10,000 people.
Where is DKV Seguros based?
DKV Seguros is headquartered in Barcelona, Spain, in the Europe region.
How does DKV Seguros make money?
Four revenue lines are on record. Health Insurance Premiums are the primary driver. The others are dental Insurance Premiums, other Insurance Products and supplementary Health Services.
Who are DKV Seguros's main competitors?
Vivaz (Línea Directa Aseguradora health) is listed as an emerging player. Broad incumbents are Cigna Spain, Generali España, AXA Spain, Allianz Care Spain and Mapfre Salud. Direct peers are Asisa, Adeslas (SegurCaixa Adeslas) and Sanitas (Bupa Spain). ERGO Group is listed as an others.
Does DKV Seguros have an API?
No public API is recorded for DKV Seguros.