Death insurance, DKV Protección Familiar

The funeral insurance that supports your family at all times.

  • One of the best funeral services.

  • Psychological support.

  • Repatriation to the country of origin.

From €1.80/month*

Take out your death insurance with a 15% discount.
Discounts for the next 4 years

DKV death insurance

Why choose DKV Protección Familiar

All the advantages of your funeral insurance

Satisfied customers
Psychological support

Your family will be offered psychological support throughout the entire process.

travel assistance
Relocation and repatriation

We take care of the transfer to the city/town or country of origin at no additional cost.

my health diary
Online will

You can write your will at any time using a private tool.

Briefing note
Erasure of digital identity

We take care of deleting social networks, files or emails.

Everything about DKV Protección Familiar

The funeral insurance that supports your family at all times

Cover and services

The DKV death insurance offers you psychological support, repatriation to your city/town or country of origin and other innovative services: funeral planning and online will.

We offer one of the best funeral services on the market. You can also benefit from important services or cover that other companies do not offer from day one.

Included cover

  • Funeral service provision

    We offer one of the best funeral services on the market, tailor-made to your customs and wishes.

  • Transfer to any cemetery in the country

    We will take care of preparing and transferring the coffin to any Spanish town or city.

  • Repatriation to your country of origin

    We will arrange for the repatriation of the deceased to the country of origin or wherever your family is located and pay for a return trip of a companion. We are the only insurer to include it without any extra cost in the funeral policy!

  • Regulatory capital

    To cover any possible extra costs incurred between the service contracted and the one finally provided. Options: 5% - 10% - 15% and 20% of the capital for providing the service.

  • Telephone and legal assistance

    A professional adviser will go to wherever your family is located and provide a completely personalised service to accompany them throughout the entire process. In addition, your family will enjoy a support helpline for any query.

  • Psychological support

    Your family will be offered psychological support throughout the bereavement process.

Services included

  • Worldwide medical assistance

    You can count on up to 18,000 euros for emergency assistance worldwide on journeys of up to 180 days. 

  • Erasure of digital identity

    We will delete all content on social media, files on the cloud, emails, etc.

  • Online will

    You can write your will at any time and from place using the online Online will. In addition, if you have any questions, an expert lawyer will advise you. You have one annual modification free of charge!

  • Funeral planning service

    The first insurer to advise you on defining the farewell that best represents you in a safe, private and accessible way, where you can modify it as many times as you wish. As a result, you will help your loved ones make decisions at such a deeply emotional time.

Optional cover

  • Financial support for unforeseen expenses incurred from the burial.

  • Accident cover in the event of death or permanent disability. (Between 1,000 and 60,000 euros)

  • Complementary worldwide assistance. Transfer of the deceased to any cemetery in the Spain.

  • Hospitalisation. Up to 60 euros per day in the event of hospitalisation for any reason.

  • Severe dental accident. Mmaximum 6,000 euros if it affects more than three teeth.

  • Medical lines: 24h general medicine, paediatrics, pregnancy, conditions affecting women nutrition or psychoemotional.

  • Health and wellness services - ServiPlus Package

    • 47 free dental treatments and others at reduced prices compared to the market through the DKV Club Salud y Bienestar.

    • You will enjoy access to consultations with medical specialists at special prices.

    • NEW. We include one dental cleaning a year as a gift for all insured persons in the policy.

    • GIFT 24-hour medical chat. When taking out the Serviplus Package access to the medical chat, through the Quiero cuidarme Más app.

Asistencia Plus

  • Senior assistance. Home care for convalescents who need to be immobilised (longer than 7 days).

    • Teleassistance and teleassistance, telepharmacy, nursing and physiotherapy at home.

    • Care for children under 10 years of age (maximum of 2 hours per day) while the required stay at home lasts.

    • Personal hygiene service, hairdresser's, household cleaning, food delivery.

  • Junior assistance. Educational support services at home or in hospital, for children and adolescents aged 6 to 16 who must remain immobilised due to an illness or accident.

  • Family legal protection. Legal cover that will protect you when claiming damages and legal defence of a private and family nature, up to 2,000 euros in expenses. This also includes guidance for drawing up a Living Will.

  • Comprehensive pet assistance. Free information and advice over the phone regarding cats and dogs, with access to services and discounted prices, including managing the death of your pet (up to 250 euros).

Any insurance policy must start with a commitment

Terms and conditions of the contract

Satisfied customers
A flexible insurance suited to you

We adjust the price of your premium according to your situation and age, adapting to you.

Video consultation and chat with specialists
It includes great support

Wherever you are, our national network of psychologists will contact you.

Conditions and commitment
Let us take care of everything

Do not worry about anything, with just a call, an adviser will take care of all the procedures.

Avoid waiting lists
Do the procedures online

We are the only insurer with a digital service to create and amend a will.

the good legacy

DKV Buen Legado

The first death insurance policy aimed at minimising environmental impact through a forward-thinking approach, both in terms of the funeral service and the use of new technologies and materials. Because our final act can be very significant.

Frequently asked questions about funeral insurance

We resolve your most frequent queries about funeral insurance

What is funeral insurance?

Death insurance guarantees a funeral service on the decease of an insured person, as well as the management of all necessary procedures in the event of death: administrative and legal procedures, transfers to any place in Spain and international repatriations.

In addition, funeral insurance includes a wide range of assistance guarantees and complementary cover that complete its assistance and family nature.

See more information about what a death insurance is

What does funeral insurance cover?

Death insurance is an insurance for the provision of services, that is, it mainly covers organising, managing and executing the funeral service on the decease of an insured person, as well as covers the cost of this service. 

See more information about what death insurance covers

How to communicate the death of a DKV insured person

To communicate a claim of a DKV death insurance customer, the free 24-hour assistance line is 900 810 141.

We know that the loss of a loved one has a great emotional impact, in addition to the anguish involved in resolving the procedures derived from it. We are here to support and help you in everything you need.

Why take out a funeral insurance?

For many reasons, such as due to the cost of a service, which is always higher if privately contracted, or for the peace of mind of your family, thus avoiding them having to bear the responsibility of contracting a funeral service when you pass away at such an emotionally complicated time.

See more information about taking out death insurance

How much is funeral insurance?

When calculating the cost of your funeral insurance, there are basically two risk factors that determine the insurance premium: the insured capital and the insured person's age.

See more information about the cost of death insurance

If I die while I am abroad, will the funeral insurance cover my transfer? Repatriation of foreign residents.

If you are a foreigner and reside in Spain, DKV Protección Familiar includes the repatriation service to your home country, a round trip for a companion and other important advantages. We are the only ones to guarantee it without an extra cost in your funeral policy!

Do I have medical assistance abroad?

Did you know that with your DKV death insurance policy, you are also covered when you travel abroad, with up to 18,000 euros for medical expenses in the event of an emergency? We make the difference with the limit.

What does hospitalisation cover in a funeral insurance policy?

It is a daily allowance or benefit for each day that the insured person is admitted to hospital. At DKV, the cover is extended to a limit of 365 days of hospitalisation.

In addition, this guarantee includes a childbirth benefit and an additional benefit for including the newborn in the family insurance policy.

Are there any waiting periods?

Some companies apply waiting periods ranging between 20 and 90 days from the date of taking out the insurance for funeral cover.

At DKV, there are no waiting periods. The rights are immediate, but before taking out the insurance, all insured persons must answer a short health questionnaire, which is common practice and which will allow us to discard covering any non-insurable risks (e.g. cancer patients or patients with other severe illnesses).

Hospitalisation cover has a waiting period of 3 months (except due to accident) and childbirth cover has an 8-month waiting period.

In the rest of guarantees, the rights of use are immediate.

Am I insured for life with a death insurance?

All of our death insurance policies are life-long. This means that once a death insurance policy is taken out, it is valid for the insured person's whole life unless the policyholder cancels the insurance or stops paying the premium.

How do I cancel a funeral insurance policy?

Like any other insurance, by requesting the company to cancel the policy, in a reliable manner, one month before the year's expiry date. 

Which funeral home will provide the contracted service?

We have a wide national network of authorised funeral service providers, so you won't have to worry about the management and provision of the service. See here

What happens if, after a death, the family does not wish to use DKV's services?

Although the purpose of the policy is to provide the service, if the family chooses to carry out the service somewhere else, the company will have to pay the insured capital to the legal heirs.

Up to which age can I take out the funeral insurance? 

At DKV, in periodically-paid premium policies, you can take out funeral insurance up to 70 years of age, or up to 75 if you are a DKV customer in other sectors or it is a family policy with insured persons under 70.

In single premium policies there is no age limit, but it can only be taken out from the age of 70. 

Can I take out the insurance policy online?

Fast and simple! Take out DKV death insurance 100% online through our website in just 5 minutes:

1.    Calculate your price with no strings attached.
2. Fill in your personal details and those of who you want to insure.
3. Confirm your details: check that they are all correct.
4. Make the payment.
5. We will give you your insurance number and send you a confirmation email so that you can enjoy all the advantages offered by the funeral insurance DKV Protección Familiar from day one.
6. We also offer you a service to help you take out the insurance online. Call the free phone number 876 140 054, and we will answer any query.

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Do you need help?

If you are thinking about taking out an insurance policy and you have questions, we will answer them in the way you choose.

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Conditions of price from*

  • *Price from DKV Protección Familiar: Calculation for a 30-year-old person and a capital of €3,500 plus 5% regulatory capital. With residence in Albacete, Almería, Ávila, Badajoz, Cáceres, Cádiz, Castellón, Córdoba, Granada, Huelva, Jaén, Málaga, Orense, Palencia, Las Palmas, Salamanca, Sta. Cruz de Tenerife, Seville, Soria, Valladolid, Vizcaya, Teruel and Zamora.

Premium from €21/year valid during 2024

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900 810 072

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Please call us on:

900 810 073

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