DKV Renta Familiar compensation insurance

Financial support for your family

  • Provision for hospitalisation for any reason.

  • Provision for surgical procedures.

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DKV Renta Familiar

All the advantages of your work leave insurance

Why choose DKV Renta Familiar

Capital insured

In the event of a surgical procedure, we insure the capital required to carry it out. 

Always by your side

We protect your family's health, so you don't have to worry about medical expenses.

Medical helpline

24-hour healthline for advice on symptoms, diagnostic tests, health issues or medication.

Saving on treatments

Services not covered by the Social Security, at lower-than-market prices: fertility treatment

We protect and take care of the health and finances of your family 

All the details about the DKV Renta Familiar benefit insurance  

Cover and services

This insurance will keep your finances secure in the event of an operation or hospitalisation

The DKV Renta Familiar insurance helps you cover extraordinary expenses arising from hospitalisation or surgery (transfers, expenses incurred by your companion, childcare, etc.) by means of a daily compensation, up to a maximum of one year.
 

Coverage

  • Compensation for hospitalisation due to illness and/or accident

    Receive a compensation for every day you are hospitalised.

  • Compensation for surgical procedures 

    Capital insured in the event of surgical procedure.

Health services

  • Telephone advice helplines

    If you are worried about a symptom, call us and an agent on one of our helplines will be happy to attend to you: 24-hour general medicine, pregnancy, women's' health, nutrition and psycho-emotional health.

  • Second medical opinion

    Have the peace of mind of receiving the best possible treatment with a second medical opinion in the event of a serious illness.

  • Health services complementary to the insurance

    You will have access to a catalogue of health and well-being services at lower-than-market prices through DKV Club Salud y Bienestar.

Terms and conditions of the contract

Any insurance policy must start with a commitment

 

Maximum age to take out the insurance

The insurance can be taken out up to the age of 64 years.

When does the insurance end?

You can use the insurance until the policyholder reaches 70.

Health declaration

A health declaration will be signed prior to the agreement to assess any pre-existing conditions.

Download the documentation 

Information about the DKV Renta Familiar insurance

Download the documentation
Insurance information
Download the documentation
Terms and conditions of the contract

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FAQs

We resolve your queries about our work leave insurance

 

 

 

What is work leave insurance?

It is an insurance that guarantees you a financial provision. It will be applied if you experience a temporary incapacity to work that prevents you from doing your usual job. This can be caused by an illness or an accident. The provision varies according to the insured capital.

What is insured under a work leave policy?

  • Income insurance guarantees temporary disability. Covering the worker's loss of income due to an illness or accident

  • Hospitalisation. For every day that you are hospitalised, you will receive a compensation as of the first 24 hours up to 365 days later

  • Legal intervention. DKV Seguros guarantees the insured person a single financial provision. The amount is calculated by applying the insured capital for the cover of surgical procedures reflected in the special terms and conditions

  • Total and permanent disability. Total and permanent disability is the irreversible physical situation caused by an illness or accident

  • Medical assistance in the event of an accident. Provided that they are derived from an accident covered by the policy.

What is the duration of the work leave insurance?

The duration of the contract stipulated in the policy is annual and can be extended, but the payments may be made monthly, quarterly or every six months.

What happens if your working situation or professional activity changes after taking it out?

You should notify us of the change in your situation as soon as possible to be able to recalculate the insurance premium according to the new activity, which may represent an increase or decrease in the price depending on the level of risk that this new activity represents. This way we will avoid any problems or confusion during the claims procedure.

When does the cover start and end?

  1. Once the contract has been signed and the first instalment has been paid, it will take effect and end on the dates established in the specific terms and conditions. It will be renewed each year unless one of the two parties (the contracting party or the company) states otherwise.

  2. In addition, the contract will terminate: · At the end of the year when the insured person reaches the age of 70.

  3. When the insured person becomes disabled or permanently unable to carry out his profession, or when he requests recognition of this state, or receives a pension, service provision or compensation for said cause.

  4. When the insured person is retired, unemployed or in a similar situation, or ceases all their professional or labour activities.

Is there an upper age limit for the insurance cover?

The upper age limit is 70, except for cover for permanent and total disability, which is 65 years of age

What are the excluded risks?

They are the illnesses, accidents, circumstances, alterations, activities, etc. that are not covered in the policy and that, therefore, do not grant the right to a provision. The excluded risks are agreed with you when signing the policy, and they are highlighted in bold type.

For example:

  • Any type of illness that already existed when the insurance plan was taken out.

  • "Additional cover"

  • Pregnancy, abortion and puerperium.

  • Illnesses or injuries caused in a state of inebriation or due to alcoholism, drug addiction or taking drugs or medicines without prescription.

Which is the maximum guaranteed period for medical leave?

You can choose from different options. The particular conditions specify the coverage contracted and the maximum guaranteed period.

Does it cover work leave in the event of pregnancy and/or childbirth?

Although childbirth is not considered an illness, mothers that are insured for over eight months will receive a provision on this account. It will be required having contracted one of the following guarantees: daily temporary disability, scaled temporary disability, hospitalisation or surgical procedure, with the scope and conditions established in each guarantee.

How long does it take between communicating my leave and starting to receive the compensation?

After presenting the claim form, the medical leave report and the rest of the requested documentation, and when DKV Seguros recognises the right to the provision and checks its final scope, it will start to process it within two weeks. In the event of extended temporary disability (over forty days), you may request an advance of the provision for daily temporary disability corresponding to the period of medical leave that has been sufficiently proven.

Calculate your work leave insurance

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