DKV Accidentes personal accident insurance
An accident insurance with significant compensation capital
Ensure your and your family's peace of mind.
You will receive a compensation due to death or disability in the event of an accident.
You will have 24-hour medical care with our trusted doctors.
You will enjoy additional health and well-being services.
All the advantages of your accident insurance
Why choose DKV Accidentes accident insurance?
Inmediata por fallecimiento o invalidez
Asistencia sanitaria privada en caso de accidente laboral o de tráfico
8 free medical helplines at your service
Over 1,000 health services at lower-than-market prices
All the details about DKV Accidentes
Qué cubre el seguro de accidentes personales de DKV?
Cover and services
Provide your family with peace of mind in the event of any domestic, health, work-related or traffic accident. Always with the prestige and quality of DKV, the European leader in health insurance.
DKV Accidentes, an insurance with which in the event of an accident you'll be entitled to compensation to cover unforeseen expenses. You choose the cover to ensure your and your family's peace of mind in the most complicated situations. Because an unforeseen event is no longer such if you have the right cover.
Basic accident insurance cover
Compensation for permanent disability
We guarantee the agreed compensation according to the modality taken out and scale.
Compensation for death
Guarantee of compensation if the insured person dies due to an accident, within one year of the date on which the accident took place. And if it is a traffic accident and the spouse passes too, it is extended to all children under 18 years of age
Compensation due to simultaneous death of both spouses in the same traffic accident
Compensation due to death from heart attack (Severe Disability)
As a direct and exclusive consequence of their work after a waiting period of one month. Up to the age of 65.
Compensation for temporary disability
Stipulated daily compensation (up to 1 year with or without excess) in the event that the accident causes temporary disability and the insured person cannot work or attend to their domestic occupations.
Hospitalisation following an accident
In the event of hospitalisation due to an accident covered by the policy you will receive compensation for each day you are admitted (maximum one year).
Medical assistance in the event of an accident
We cover the costs of medical assistance in the event of suffering injuries in an accident covered by the policy, without limits in an affiliated centre or a maximum of 1,800 euros in a non-affiliated centre.
Additional compensation in the event of total disability and death due to a traffic accident
A 24h medical helpline and a 24h paediatric helpline to take care of your children's health at any time. The widest range of specialist helplines on the market: medical helpline for pregnancy, nutrition and childhood obesity, among others.
Second medical opinion for serious illnesses
Have the peace of mind of receiving the best possible treatment with a second medical opinion in the event of a serious illness.
Access to DKV Club de Salud y Bienestar
Enjoy access to a catalogue of health and well-being services at the best price: Refractive surgery for myopia, hypermetropia and astigmatism, cosmetic medicine, biomechanical gait analysis, fertility treatments, pelvic floor rehabilitation, optics and orthopaedics, giving up smoking plans, nutritionist and sports services, etc.
Accident insurance modalities
Choose the modality of your accident insurance based on your needs
24-hour cover. Cover all accidents that take place in your personal and professional life.
Professional cover. It exclusively covers work-related accidents.
Non-professional cover. It exclusively covers accidents in your private life.
Cover due to traffic accident. It covers all traffic accidents.
Are you looking for something more specific? For you, your family or your work, we have different accident insurance options
Cover for educational centres. Covers the students at educational centres, including travel from home to the centre and back.
Special cover for women. It covers the specific needs of women 24/7, with guarantees that not all accident insurance policies include, such as yearly gynaecological check-ups or expenses from reconstructive cosmetic surgery, among others.
Family cover. For accidents involving several members of the family unit.
Company cover. For collective labour agreements or self-employed workers.
Any insurance policy must start with a commitment
Terms and conditions of the contract
We guarantee the payment of different types of compensation for you or your family, supporting you in the event of unforeseen situations caused by an accident
You can manage all your authorisations quickly and easily in your private customer area, over the phone or in a DKV branch.
Customise your insurance with cover such as: medical care, daily compensation due to hospitalisation or temporary disability, etc.
If you want to compare a diagnosis and need a second medical opinion, look no further.
Frequently asked questions about accident insurance
What is the duration of an accident insurance policy?
The duration agreed and included in the contract. It is usually taken out on a yearly basis, whether a calendar year or not. However, its initial duration may be less than a year, and it can be taken out for several years.
The contract provides for renewals, usually on a yearly basis and made automatically, at the initial period's expiry date, except in cases where otherwise is notified by any of the parties.
Can I receive the accident insurance's compensation in the form of an allowance?
Only the guarantees for temporary disability or hospitalisation due to an accident give rise to a daily compensation, although it is usually settled in a single payment or in monthly payments.
How do accident insurance premiums evolve?
When taking out the policy, you can agree to update the capital and premiums by linking their revaluation to the CPI or a fixed percentage or agree that they remain unchanged.
What does accident insurance cover?
Accident insurance can include the following cover:
Will I still be insured in an accident insurance policy after I receive the permanent disability benefit?
Depending on the degree of disability; therefore, you would need to undergo a new medical assessment of the risk.
How is accident insurance calculated?
It is calculated on the basis of the applied rate corresponding to the insured person's profession, the capitals established for each guarantee, the cover taken out and any possible premium surcharges.
What information do I have to send in the event of an accident?
The documentation will vary according to the affected guarantee.
For example, the following are common documents, among others:
Original doctors’ invoices, certificates, medical leave reports, discharge reports, hospital admission forms, etc.
Death certificate Medical reports on care, treatment and condition
Medical certificate of permanent disability
Certification of the condition of beneficiary of the insurance
What does accident insurance cover?
The basic guarantees are death or permanent disability, both caused by an accident. Read more sobre qué cubre el seguro de accidentes
Why take out accident insurance?
To enjoy peace of mind and be able to cope with the consequences of accidents. Read more sobre por qué deberías contratar un seguro de accidentes
Does it include cover abroad?
It will if provided for in the policy's Specific Terms and Conditions. Read more cobre la cobertura en el extranjero
Is practising sports covered?
Like in any type of insurance, there are always exclusions, such as risk sports. Read more
Once your family's safety and peace of mind have been covered...
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