Death insurance, DKV Protección Familiar
The death insurance that accompanies your family at all times with one of the best funeral services, psychological support and repatriation to the country of origin.
TAKE OUT YOUR DEATH INSURANCE UNDER PROMOTION FOR A LIMIT TIME.
All the advantages of your funeral insurance
Why choose DKV Protección Familiar
+700,000 customers trust in our death insurance
+800 families attended each year for psychological assistance
We commit to planting a tree in memory of our deceased insured persons.
+1,000 legal consultations per year
Everything about DKV Protección Familiar
We do not only offer you the support your family needs in these difficult times. The funeral insurance is much more!
Cover and services
We offer one of the best funeral services on the market. You can also benefit from interesting and helpful services and cover, not offered by other companies, from the very first day.
Funeral insurance is much more than covering funeral expenses. DKV Protección Familiar offers you psychological support and legal assistance, repatriation to your home city or country without paying more in your premium, funeral planning service, online will, erasure of digital identity and healthcare abroad.
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
If the larger part of your family lives in your home country, we will arrange for the repatriation of the deceased 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!
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
Everything starts with a simple phone call, at any time of the day. 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.
Following a difficult time like this, what's most important is trying to cope with the loss of your loved one. As a result, your family will be offered psychological support during and after the process.
Worldwide medical assistance
Did you know that with your DKV funeral policy, you are also covered when you travel abroad, with up to 18,000 euros for medical expenses in the event of an emergency?
Erasure of digital identity
We will manage your digital end-of-life by erasing content on social media, cloud files and emails.
With DKV, you can write your will at any time and from place using the online Will tool. In addition, if you have any questions, an expert lawyer will advise you. You have one annual modification free of charge!
Funeral planning service
We are the first insurer to advise you on defining the farewell that best represents you: coffin, speeches, flowers, type of ceremony, burial or cremation, people to notify, organ donation, will, etc. in a safe, private and accessible way, where you can modify it as many times as you wish. In addition, you will help your loved ones make decisions at such a deeply emotional time.
Allowance for exceptional expenses.
Financial support for unforeseen expenses incurred from the burial.
In the event of any type of accident resulting in death or permanent disability, we will offer you a payment of between 1,000 and 60,000 euros.
Complementary worldwide assistance
Transfer of the deceased from any point abroad to any cemetery located in Spain, regardless of the time spent abroad.
Up to 60 euros per day in the event of hospitalisation for any reason.
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 also enjoy access to consultations with medical specialists at special prices: paediatrics, dermatology, gynaecology, ophthalmology, cardiology, endocrinology and... much more!
NEW. We include one dental cleaning a year as a gift for all insured persons in the policy. Access DKV Club Salud y Bienestar and choose the dentist you want to visit in the DKV medical directory.
Serious dental accident
If it affects more than three teeth, we will reimburse you for the treatment costs (maximum 6,000 euros).
Medical phone lines
24-hour medical helpline, Paediatrics medical helpline, Pregnancy medical helpline, Medical helpline for women, Sports medical helpline, Nutrition medical helpline, Tropical medical helpline.
24-hour medical chat
When taking out the ServiPlus Package of health and wellness services, you will receive as a GIFT access to the medical chat through the Quiero cuidarme Más app, so you can make unlimited consultations from anywhere.
Home care for convalescents who need to be immobilised (longer than 7 days) and discounts on DNA extraction for preventive and therapeutic purposes.
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.
Legal protection for the family
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).
Download the documentation
Everything you need to know before taking out funeral insurance
Avoid worries, bureaucracy and find support in us throughout the entire process
Why take out a DKV death insurance policy?
We adjust the price of your premium according to your situation and age, so that you decide the modality that best suits your needs. In addition, children up to 4 years of age do not pay.
Wherever you are, our national network of psychologists specialising in bereavement will contact you and offer you a customised service.
So you do not have to worry about anything, with just a call, an adviser will take care of all the procedures: funeral management, transfers and legal advice.
We are the only insurer with a digital service to create and modify the will, plan the funeral and manage the digital end-of-life in search engines and social media.
If you have already decided to take out DKV Protección Familiar
We help you to take out your death insurance in a few steps
Enter the details of the insured persons to find out the total price, and choose how you want to pay the premium.
Take out the insurance and enjoy it by completing just 5 steps.
We will confirm if the process of taking out the insurance has been completed successfully. You will receive all the documentation by postal mail.
Our customers' opinion is very important
What do our customers think about our funeral insurance?
The first funeral 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, find out about our ecological funeral insurance.
Frequently asked questions 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.
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.
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.
Ask for an appointment at your nearest branch, call us, request us to call you or take it out online.
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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. Residing in Valencia, Almería, Cáceres, Córdoba, Granada and Guipuzkoa.
The premiums are valid during 2022.