
DKV life insurance
The life insurance that provides me the peace of mind and financial security I want for my family
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Compensation from death due to any cause.
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Capital advance in the event of a serious illness.
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Bereavement assistance service to help deal with the loss of a loved one.
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Family assistance in the event of death, online will and legal advice.
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From €15/month
You choose the insured capital for the life guarantee
Bereavement assistance service with psychological help for the family
Legal advice and assistance over the telephone
24-hour medical helpline and 8 specific helplines
All the details about DKV Vida
What does the DKV life insurance cover?
Cover and services
A life insurance that guarantees financial stability and protection for the people you love, with a personalised and smooth service, ensuring there's enough money to protect your family if you aren't there.
The most flexible format that adapts to the needs of insured persons in terms of capital, optional cover, payment methods or payment instalments.
Basic life insurance cover
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Death due to any cause
The beneficiary will receive the established amount of capital.
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Advance capital payment due to terminal illness
In addition, if the insured person contracts a terminal illness, 50% of the insured capital can be given in advance.
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Bereavement assistance
With specialist psychologists who will provide professional support to face the loss of a loved one in any of the different stages of the bereavement process.
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Family assistance
In the event of death: a manager will provide your family with personal and immediate support after the death.
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Psychological assistance
Due to death, disability or serious illness.
Optional cover for your life insurance
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Total permanent disability
We help you to deal with a loss of income and costs associated with a disability. This cover provides you the option of receiving the capital if you suffer a permanent disability.
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Death due to an accident (double capital)
Peace of mind and financial security for your loved ones. In the event of death due to an accident, the beneficiaries will receive twice the capital of the death cover.
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Death due to a traffic accident (triple capital)
Your family covered against unforeseen events. In the event of death due to a traffic accident, the beneficiaries will receive triple the capital of the death cover.
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Death or permanent disability due to accident (double capital)
If you suffer an accident and, as a result, it causes your death or permanent disability, the beneficiaries will receive twice the capital of the death cover.
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Death or permanent disability due to a traffic accident (triple capital)
If you suffer a traffic accident and, as a result, it causes your death or permanent disability, the beneficiaries will receive triple the capital of the death cover.
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Severe illness (100% or 50% of the capital)
In the event of a serious illness, you will have the option of obtaining 50% or 100% of the capital in advance so you can cover the expenses you may need and only focus on what matters most: your recovery.
Additional services
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Telephone medical advice
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.
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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.
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DKV Club 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.
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Legal advice and assistance over the telephone
Access to a helpline manned by lawyers that will provide advice on any legal queries, giving you guidance on any unforeseen event.
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Free online will
With DKV, you can write your will at any time and from place using the online Will tool.
What are the premiums and contracting terms and conditions of DKV Vida?
Duration, premium, payment method of life insurance
In life insurance, the contract has an annual duration and is renewed year after year until you reach 70 years of age, provided that you do not decide to cancel it beforehand.
You can set the capital you want, and decide if it remains fixed or is revalued annually
The premium varies every year according to the insured capital and the insured person's age.
The premium can be paid in a yearly, half-yearly, quarterly or monthly payment.
Any insurance policy must start with a commitment
Terms and conditions of the contract
The life insurance you can take out up to the age of 65.
The customer decides the insured capital for the Life guarantee.
Receive an advance on capital for serious illnesses, such as cancer, heart attack, kidney failure, etc.
The premium varies according to the capital and age. We adapt to the payment method or payment instalments.
Information about the DKV Vida insurance to view before taking it out
Download the documentation
Frequently asked questions about life insurance
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, that which covers the difference between the income (usually the salary) and the retirement pension (approximately 50% of the salary).
Here is some information on the suitable capital for life insurance
What does life risk insurance cover?
Life insurance always covers the risk of the policyholder passing away. It is the main cover. But other additional cover can be taken out.
Here is some information on what a life risk insurance covers
Who should take out life risk insurance?
Life insurance is designed to maintain the financial peace of mind of those who will remain when we are no longer here. Therefore, it is important to think about who depends or may depend financially on us, partner, children, parents with a certain age, dependent people, etc.
In addition, if we have any debts, mortgages or our own business, we must consider the commitments that may directly fall upon our heirs in the event of misfortune.
Why take out life risk insurance?
Although we don't like to think about it, nobody is exempt from suffering an accident or a deadly illness. If this situation were to occur, the family's economy could be seriously compromised.
Here we explain more about life risk insurance
What is life risk insurance?
It is an insurance contract whereby the insurer, in exchange for the payment of a premium paid periodically while the insurance is in force, commits to paying an amount (insured capital) as compensation if the insured person passes away or is incapacitated to work.
In the event of death, the agreed compensation will be paid to the beneficiaries chosen by the insured person. If disability cover has been taken out, the compensation will be paid to the insured person.
How is the life insurance premium calculated?
What is the duration of life insurance?
Who will receive the compensation in the event of an accident?
What circumstances are excluded from life insurance?
Is it compulsory to take out life insurance when being granted a mortgage?
What is the difference between funeral insurance and life insurance?
Does life insurance include healthcare services?
What healthcare services are included in my life insurance policy?
What is understood by total disability and permanent disability?
Can I take out life insurance if I have an illness?
If I contract an illness, can the insurer cancel my life insurance?
Can I increase the insured capital in life insurance?
Can I take out more than one policy?
Will I still be insured in the policy if I receive the disability benefit?
Once your family's safety and peace of mind have been covered
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