Procedures for your life insurance

Are you looking for help from DKV?

  • Find the answers to your questions and how to manage them as quickly as possible.

  • Use the contact methods specific to your insurance type.

  • Discover the advantages and extra health services included in your insurance policy.

contact DKV

Procedures for your insurance

See the most common procedures in your life insurance

Request duplicate of your insurance policy

If you need a duplicate of your insurance contract, you can request it through your Customer area, from your insurance agent or by phone 900 810 072.

Modification of personal details

If you need to change your personal details (postal address, telephone number, email, etc.) or change your bank account number, you can request it through your customer area or your insurance agent or by calling 900 810 072​

Information about cover

If you would like to know your policy's cover and services in detail, visit the DKV Vida website where you will find the general terms and conditions of your insurance, and information on included cover and optional cover.

You can also do so in your customer area, by contacting any of our branches or your insurance agent or by email at: dkvvida@dkvseguros.es or by calling 900 810 072​

How to cancel the policy

Any policyholder who wishes to request the cancellation of the policy must do so in writing at least one month before the policy's maturity. Health insurance policies expire at the end of the calendar year, i.e. 31 December; other policies, such as death insurance in this case, expire one year from the date the contract enters force.

To cancel the policy in writing, you must include the policyholder's National ID or Tax ID, the policy number and the policyholder's signature in a request sent to the branches by post or at the email bajas@dkvseguros.es. You can also do so by visiting your nearest branch or calling our customer service line 976 506 000 - 900 810 072 during opening hours: Monday to Friday from 8:00 am to 9:00 pm.

Further information

Claims and complaints management

Each complaint is an opportunity to improve the quality of service offered to the customer, which is a priority for us. Therefore, with an aim to protect and ensure our customers' rights, we endeavour to respond in the most efficient and timely way possibly, aiming to ensure that the process does not take any longer than what is strictly necessary. Therefore, we commit to responding within a maximum of two months from its initial presentation.

To file a claim, you can use any of these channels:

Further information

Contact us

If you need help from our customer service team or to speak to a doctor, use our free contact methods.
 

WhatsApp

Write to us through WhatsApp, Monday to Friday from 8:00 am to 9:00 pm (except bank holidays)
 

Customer Service

Helpline open Monday to Friday from 8:00 am to 9:00 pm (except bank holidays)
 

E-mail

Send us your question anytime by email. We will get back to you as soon as possible.
 

Medical care

24-hour medical helpline, every day of the year, and if you are travelling abroad.
 

DKV tools and channels

We provide you with tools to make your life easier and take care of your health

 

Container_slide

Customer Area

Check your policy information, complete key procedures, and get answers to any questions through our chat.

Container_slide
Quiero Cuidarme Más App

Quiero cuidarme Más app

Digital health app: health diary, health indicators and content, and supported by our medical team.

Container_slide

Branches

Make an appointment online and visit one of our DKV branches.

Container_slide
nutritionist service

Health blog

The Quiero cuidarme blog to learn how to take care of yourself with health advice. Subscribe to receive the latest articles in your email.

Discover the services of the DKV Club Salud y Bienestar

Get exclusive discounts on complementary health and well-being services: physiotherapy, well-being, nutrition, psychology and much more.

New in DKV Club Salud y Bienestar

DKV Club Salud y Bienestar

Taking out a health insurance policy with DKV Seguros gives you access to multiple discounts and benefits in health and wellness services for your whole family: price discounts, reduced prices, one-month free subscription for apps, prize draws, and much more!

 

Basic concepts

We resolve your most frequent queries about your life insurance

 

What does life risk insurance cover?​

Life insurance always covers the risk of the policyholder passing away. Other additional cover can be taken out, such as disability, or additional capital, such as cover for death due to an accident.​

What capital is suitable for life insurance?​

The capital in a life insurance policy must cover the family's expenses for a sufficient period of time. That is, it must cover the difference between the income (usually the salary) and the widow's pension.​

How is the life insurance premium calculated?​

The insurance premium is calculated according to the insured person's age and the capital required. The older the insured person and/or the higher the capital, the higher the premium. Check the prices according to your needs; the premium can be much lower than you think.

What is the duration of life insurance?​

The insurance policy is renewed annually, if you wish, until you reach 70 years of age for death cover or 65 for disability cover.

The insurer will never cancel your contract unless the premium is not paid.

Who will receive the compensation in the event of an accident?​

If the claim is due to death, the compensation will be paid to the beneficiaries specified when taking out the policy. This initial appointment can be subsequently changed.
When a bank is designated for collection, it will receive the compensation following the accident, and the rest of the capital, if any, will be paid to the beneficiaries.

If it were a disability benefit, the payment will be made to the insured person.

Does life insurance include healthcare services?​

Yes, our policies include access to DKV Club de Salud y Bienestar, with medical and wellness services at special prices, and to the Quiero cuidarme Más app, a digital health platform that allows you to manage your health.​

What healthcare services are included in my life insurance policy?​

​​In addition to those related to your health, you will enjoy the following:​​

  • Psychological assistance due to death, disability or severe illness​

  • Family assistance: advice from a personal adviser, legal advice and psychological assistance​

  • Free legal advice helpline​

  • Management service in the event of death​

  • Free online will

If I contract an illness, can the insurer cancel my life insurance?​

No, your contract will remain in force and will continue to be renewed automatically until the maximum age of cover (70 for death or 65 for disability or other complementary insurance).​

Can I increase the insured capital in life insurance?​

Yes, life insurance can be suited to the needs of the insured person, by increasing (or reducing) the insured capital and by including (or excluding) additional cover. We can also change the payment method or the appointed beneficiaries in the event of death.​

Will I still be insured in the policy if I receive the disability benefit?​

No. The policy will be cancelled after paying out the compensation.​