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Home » Policies » DKV Protección Familiar — funeral insurance with extended coverage

DKV Protección Familiar — funeral insurance with extended coverage

Technical parameters

Cost

Cost: From €1.80 per month per person
Period: monthly / the price depends on age and the coverage chosen

General Category Characteristics
Parameter	Value
Type of insurance	Funeral insurance with complementary services
Coverage format	Full organization and payment of the funeral process
Geographic coverage	Spain, body repatriation in both directions
Waiting periods	Enrollment conditions depend on the insured’s age
Age limits	Enrollment available under DKV’s current conditions, including for older clients

DKV Protección Familiar Specifications
Parameter	Value
Funeral services	Full payment and organization of the farewell according to local customs
Body repatriation	Transfer to the home country or to the family, plus a companion’s ticket
Administrative support	Death certificate, guidance on the widow’s pension and inheritance tax
Psychological assistance	Therapy sessions for relatives during bereavement
Family legal protection	Consultations and coverage in damage claims under the policy conditions
Medical assistance abroad	Travel emergencies abroad under the policy conditions
Digital services	Will preparation and help managing the digital legacy under the programme’s conditions
Pet death assistance	Arrangement and costs under the policy conditions

Caring for your loved ones at the hardest moment

DKV Protección Familiar is a funeral insurance policy that frees the family from the financial and organizational burden at the moment of loss. Unlike life insurance, where relatives receive a financial payout, this policy takes on the organization itself: paying for and holding the funeral according to local customs, processing documents, and guiding the family through all the bureaucratic procedures. It includes obtaining the death certificate, as well as guidance on the widow’s pension and inheritance tax. Enrollment conditions depend on the insured’s age, and the policy remains available, including for older relatives, under the insurer’s current conditions.

For foreigners in Spain, repatriation is especially important: the policy arranges the transfer of the body to the home country or to wherever the family is, and covers a companion’s ticket in both directions. The coverage goes far beyond the funeral itself. The family receives psychological support during bereavement, legal protection in damage claims, and emergency medical assistance during trips abroad under the policy conditions. Separately, there are modern services: will preparation and legal support under the programme’s conditions, help managing the digital legacy and closing online accounts subject to the platforms’ capabilities, and even assistance in the event of a pet’s death.

Why foreigners take out Decesos through MG Seguros

Support in English, Spanish and Russian
Help choosing the repatriation coverage
A plain-language explanation of all the conditions
Fully online enrolment
Support for the family in the event of a claim

Typical tasks that this policy solves

Health

Funeral Insurance in Spain: Complete Organization and Full Coverage

The policy takes on the entire funeral process: the costs, the organization of the farewell, and holding it according to local customs. In a difficult moment, relatives do not have to find providers or pay bills, and the family's financial burden disappears entirely.

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Health

Repatriation of remains insurance to the home country for foreigners in Spain

If death occurs in Spain, the policy arranges the transfer of the body to the home country or to where the family lives, and covers a companion's ticket in both directions. For foreigners, it removes one of the most complex and costly tasks following the loss of a loved one.

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Ritual

Family Legal Support via Insurance: Inheritance and Administrative Management

After a death, many documents remain: the death certificate, the widow's pension, inheritance tax. The policy includes legal assistance that guides the family through these procedures and takes on the bureaucracy at the time when handling it is hardest.

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Ritual

Navigating loss with professional and compassionate guidance

The policy provides psychological assistance sessions for relatives during bereavement. Professional support helps the family cope with the loss and not be left alone with grief in the hardest days.

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Responsibility

How to shield your business from legal costs and claims?

After a person's death, relatives have to handle many administrative matters. The policy includes support with processing the necessary documents and consultations on the main legal procedures.

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Agent's opinion

"People put off funeral insurance because it is unpleasant to think about, but it is precisely what spares the family from chaos at the hardest moment. I especially recommend Protección Familiar to foreigners: repatriating the body costs a great deal of money and requires complex paperwork, and here it is fully taken care of. I particularly value that the policy remains available, including for older clients, under the insurer's current conditions."

Mikhail G., Insurance Advisor in Spain