DKV life insurance
The life insurance that provides me the peace of mind and financial security I want for my family
Compensation from death due to any cause.
Capital advance in the event of a serious illness.
Bereavement assistance service to help deal with the loss of a loved one.
Family assistance in the event of death, online will and legal advice.
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
Death due to any cause
The beneficiary will receive the established amount of capital.
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.
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.
In the event of death: a manager will provide your family with personal and immediate support after the death.
Due to death, disability or serious illness.
Optional cover for your life insurance
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.
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.
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.
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.
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.
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.
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 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.
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.
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.
Free online will
With DKV, you can write your will at any time and from place using the online Online will.
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.
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?
The insurance premium is calculated according to the insured person's age and the capital required.
The older the insured person and/or the higher the capital, the higher the premium. Check the prices according to your needs; the premium can be much lower than you think.
What is the duration of life insurance?
The insurance policy is renewed annually, if you wish, until you reach 70 years of age for death cover or 65 for disability cover.
The insurer will never cancel your contract unless the premium is not paid.
Each year's premium is calculated according to the insured person's age and the insured capital, which entails a higher cost every year.
Who will receive the compensation in the event of an accident?
If the claim is due to death, the compensation will be paid to the beneficiaries specified when taking out the policy. This initial appointment can be subsequently changed.
When a bank is designated for collection, it will receive the compensation following the accident, and the rest of the capital, if any, will be paid to the beneficiaries.
If it were a disability benefit, the payment will be made to the insured person.
What circumstances are excluded from life insurance?
• Cover for risks arising from armed conflicts, nuclear energy and any classified by the Government as catastrophic
• The consequences of pre-exiting illnesses or accidents
• Death by suicide in the first year of the insurance
• Severe illness in the first three months.
Is it compulsory to take out life insurance when being granted a mortgage?
In general, banks require an insurance policy in which they are designated as beneficiaries for the amount pending payment, but you don't have to take out it out with that bank or the insurer they offer.
In any case, we highly recommended that you cover the amount of the debt. This insurance should be complemented with an insured capital for family protection.
What is the difference between funeral insurance and life insurance?
In short, in the event of death, life insurance pays a capital to the beneficiaries, whereas funeral insurance is responsible for managing the funeral service by paying the expenses arising from the service (with the limit of the contracted capital).
Does life insurance include healthcare services?
Yes, our policies include access to DKV Club de Salud y Bienestar, with medical and wellness services at special prices, and to the Quiero cuidarme Más app, a digital health platform that allows you to manage your health.
What healthcare services are included in my life insurance policy?
In addition to those related to your health, you will enjoy the following:
• Psychological assistance due to death, disability or severe illness
• Family assistance: advice from a personal adviser, legal advice and psychological assistance
• Free legal advice helpline
• Management service in the event of death
• Free online will
What is understood by total disability and permanent disability?
It is the disability that completely incapacitates the insured person from performing any profession.
Can I take out life insurance if I have an illness?
You will have to provide us with information about your illness so we can tell you if you can take out the insurance policy under normal conditions, if you have to pay a higher premium than normal, or if it is a risk that we cannot cover. Please, contact us.
If I contract an illness, can the insurer cancel my life insurance?
No, your contract will remain in force and will continue to be renewed automatically until the maximum age of cover (70 for death or 65 for disability or other complementary insurance).
Can I increase the insured capital in life insurance?
Yes, life insurance can be suited to the needs of the insured person, by increasing (or reducing) the insured capital and by including (or excluding) additional cover. We can also change the payment method or the appointed beneficiaries in the event of death.
Can I take out more than one policy?
Yes, you can take out more than one life insurance policy.
Will I still be insured in the policy if I receive the disability benefit?
No. The policy will be cancelled after paying out the compensation.
Once your family's safety and peace of mind have been covered
Other DKV health and medical insurance for individuals and self-employed workers
Medical directory medical insurance
The most widely sold health insurance with which you can enjoy access to all medical specialities thanks to one of the country's largest medical directory, with 51,000 professionals and 1,000 centres to choose from.
Work leave insurance
When on work leave, enjoy the support of your income insurance with a provision for illness and/or accident incurred during work or your personal life.
We want to improve what surrounds us! With our four causes.
Are you one of us?
Actions that fight against reducing overweight figures in children.
We are a Zero CO2 emissions company. Our planet needs us, and we work towards protecting and recovering it.
We no longer want to be mothers, but MalasMadres, which is why we are launching #TimeToTakeCareOfYourself
At the DKV Integralia Foundation, we work towards the social and professional integration of all people.