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.

From €15/month

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Taking out the insurance

You choose the insured capital for the life guarantee

Satisfied customers

Bereavement assistance service with psychological help for the family

Conditions and commitment

Legal advice and assistance over the telephone

Video consultation and chat with specialists

24-hour medical helpline and 8 specific helplines

Taking out insurance by phone

Request information and take out DKV life insurance

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

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.

  • 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.

  • Family assistance

    In the event of death: a manager will provide your family with personal and immediate support after the death.

  • Psychological assistance

    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.

Additional services

  • 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

Satisfied customers
Age for taking out insurance

The life insurance you can take out up to the age of 65.

Taking out the insurance
Your decision

The customer decides the insured capital for the Life guarantee.

Medical directory
We are at your side

Receive an advance on capital for serious illnesses, such as cancer, heart attack, kidney failure, etc.

Conditions and commitment
Payment flexibility

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

We resolve your most frequent queries 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 a mortgage life insurance 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.

Are life insurance for mortgages compulsory?

This type of life insurance for mortgages is not compulsory, although it is highly recommended that we take them out to avoid our heir's from having to settle the payment for the home in the event we pass away.

Mortgage life insurance does not have to be taken out at the same bank in which the mortgage is formalised. In many cases banks offer payment facilities or better mortgage conditions to those who also take out life insurance for mortgages with them. This is very common when contracting services with a bank, and they are usually accompanied by other services such as contracting credit cards or other types of insurance, such as home or car insurance, etc.

As you will have noted, los mortgage-linked life insurancework differently to other life insurance policies. In these cases, the beneficiaries in the event of the policyholder's death are banking institutions. In view of this, taking out a life insurance for a mortgage seems like a good idea, as this means that the burden of returning the amount loaned to the bank disappears.

Mortgage-linked life insurance offered by banks is not usually the best option. The price of these life insurance policies is higher than the options offered by insurance companies specialised in this type of service, thus, it is advisable to compare the offering of insurance policies on the market.  

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, such as our 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.

If you have any questions about who should take out life insurance, find here additional information.

What capital is suitable for life insurance?

The capital in a life insurance 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).

We must also consider any debts to be cancelled or if the family has savings that can be used in the event of an emergency.

In addition, the insured person's age and the family commitments (number of children and their age) are aspects to be considered.

A simple way of calculating the capital is multiplying the income, usually around 4 or 5 times the annual salary.

What is and how do we obtain a life insurance certificate?

The a life certificate is a document that informs on whether the deceased relative had health insurance or not; if so, the insurance firm will need to pay an indemnity to the beneficiary specified on the policy. This document can be obtained in different ways. 

  • A telematic enquiry: by accessing the digital portal of the Ministerio de Justicia, in the procedures section, we can request the life insurance certificate, the only requirement for which is having a digital certificate. The time frame for receiving the certificate is 7 days from the time the application is received. 

  • Face-to-face consultation: get Form 790 from the website of the Ministerio de Justicia, or by going to a local office of the aforementioned public body, filling it in and paying the corresponding fee. Once the corresponding fee has been paid, we need to appear before the general registry of last wills and testaments, or in one of the aforementioned territorial offices of the Ministry of Justice, showing the official death certificate of the person whose certificate we wish to obtain. 
     

Within a period of approximately 7 days, the registry will issue a certificate informing us of the contracts in force. These certificates will be collected in the same way that they were requested, in person or by email.

Can you cancel a life insurance policy before its maturity?

A life insurance policy can be cancelled before its maturity in the following cases:

  • Before the policy's maturity date.

  • Within 14 days of signing the life insurance contract as a withdrawal from the contract.

  • If the insurance company does not fulfil the contract or changes the terms and conditions of the product without prior notice.

Read the complete information here

Can life insurance be deducted from your tax return?

You can deduct your life insurance in these cases:

  • If you are self-employed, provided that the limit does not exceed 500 euros a year.

  • If your life insurance is associated with your mortgage loan. This only applies to mortgages signed before 1 January 2013.

  • Life-savings insurance or insured pension plans are taxed in the same way as pension plans.

Read the complete information here

Types of life insurance

Life insurance is one of the most popular insurance policies. This is because they protect your loved ones if something happens, such as you passing away, an accident or disability that does not allow you to continue generating income from work. 

  • Life-risk insurance: Its main purpose and cover is related to passing away, although the holder's disability or incapacity can also be included. 

  • Mortgage life insurance: This insurance covers the payment of a loan in the event of you passing away or a disability due to not being able to continue working.

  • Life-savings insurance: This insurance is taken out with the aim of supplementing retirement benefits, or savings benefits, to be able to meet unforeseen events. Unlike life-risk insurance policies, the policyholder, insured person and beneficiary of the policy are the same person.

Read the complete information here

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900 810 072

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900 810 073

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Your life insurance from only €15/month