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.

From €30/month


All the advantages of your accident insurance

Why choose DKV Accidentes accident insurance?

Taking out the insurance

Inmediata por fallecimiento o invalidez

Medical directory

Asistencia sanitaria privada en caso de accidente laboral o de tráfico

Telephone procedures

8 free medical helplines at your service

Exclusive discounts

Over 1,000 health services at lower-than-market prices

Taking out insurance by phone

Request information and take out personal accident insurance

Call us with no strings attached at 933 782 692 or fill out the following form to receive all the information about accident insurance and its price.

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

Optional cover

  • 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

Additional services

  • Medical helpline

    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 line 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.

Insurance options

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.

Information about the DKV Accidentes insurance to view later

Download the documentation

Any insurance policy must start with a commitment

Terms and conditions of the contract

Briefing note
Peace of mind in the collection

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

Avoid waiting lists
Quick procedures

You can manage all your authorisations quickly and easily in your private customer area, over the phone or in a DKV branch.

Conditions and commitment
Easy to personalise your insurance

Customise your insurance with cover such as: medical care, daily compensation due to hospitalisation or temporary disability, etc.

Digital midwife
Second medical opinion

If you want to compare a diagnosis and need a second medical opinion, look no further.

Frequently asked questions about accident insurance

We resolve your most frequent queries 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:

  1. 24 hours

  2. Professional

  3. Extra-professional

  4. Driving

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:

  • Accident report

  • 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.

Once your family's safety and peace of mind have been covered...

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Your accident insurance from €30/month