DKV wants to speed up your claims as a life insurance policy customer
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Basic concepts
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?
What healthcare services are included in my life insurance policy?
If I contract an illness, can the insurer cancel my life insurance?
Can I increase the insured capital in life insurance?
Will I still be insured in the policy if I receive the disability benefit?
Procedures in your policy
Request policy duplicate
If you need a duplicate of your insurance contract, you can request it through your customer area or your insurance agent or by calling 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, you can 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.
More information about the process of cancelling an insurance policy
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:
Through a form you'll find on the Customer area
By e-mail: defensacliente@dkvseguros.es.
By post to: Torre DKV. Avda. María Zambrano, 31 - 50018 - Zaragoza.
Going to any of our branches.
More information about the processing of claims and complaints here
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