Your insurance mediator
Hi, Koval Expert, S.L. is an insurance mediation company led by Irina Koval. If you allow us to be your insurance mediator, we will assist you in the best possible way, informing you of the best product that suits your needs.
About us
Team led by Irina Koval with extensive experience in the insurance sector, especially in People Insurance, Health Insurance & Medical Insurance, Life Insurance, Accident Insurance, Repatriation, without prejudice to other branches (Home Insurance, Automobile, etc.).
He began his career at the Sanitas Company (Bupa Group) as a mediator having subsequently acquired the Title of University Expert in Insurance by the UNED, which allows him to practice in Group A of the sector, as a broker.
Currently, it counts among its products, those offered by the DKV Group since it has specific products for foreign citizens and residents.
Our main Insurance
MOBILE APPS
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RESPONSIBLE PRODUCTS
DKV has provided its insurance and services with a socially responsible side.
– Extension of hiring ages
They allow people up to 75 years to hire a health policy.
– Pre-existing diseases
It allows to insure pre-existing illnesses before the signature of the insurance by paying a premium.
– Lifetime policy clause
DKV voluntarily waives its right to terminate the health contract after three consecutive years have elapsed since the effective date, provided that the insured has not breached his obligations.
– DKV Ecofuneral
The first death policy with certificate
– DKV Ecohogar
The first ecological home insurance
DKV group
The strength of an international group
We belong to the ERGO Insurance Group, which in turn is part of the Munich RE Group
MUNICH RE Group { ERGO GROUP { DKV GROUP
One of the first five medical insurance companies in the country, through our two commercial brands in Spain: DKV and ERGO.
In addition, several studies have repeatedly recognized us as the insurance company with the most satisfied customers.
The Group markets direct insurance in the areas of: Health, Death, Home, Income, Accidents and Life.
Integra brands:
– DKV Insurance: Health, Accident, Income, Home and Death Insurance.
– ERGO Life: Life Insurance.
In addition, DKV manages the public health care of the Marina Alta region, in the Valencian Community, through the company Marina Salud, 65% owned by the DKV Group.
DKV: HEALTH AND HEALTH INSURANCE
– From DKV we are committed to a growth and differentiation model based on specialization and experience in health insurance, also offering subsidies, accidents, home and death insurance.
– ERGO: LIFE. International reference in direct insurance and with a presence in Spain, ERGO offers life insurance, with an innovative, fresh and open vision.
DKV Seguros is ranked 4th in the health care ranking and 3rd in the ranking of medical expenses reimbursements.
STRENGTHS
- Referents in health: because we offer high quality and innovative products, services and solutions.
- Quality and service: as the center of the organization. We take care of people and values
- Innovation: permanent products and services. Adaptability
- Responsible business: we meet the needs of our stakeholders especially in the following territories: childhood obesity, disability, environment and active aging
- Unique customer experience: we treat our customers in a personal, simple and transparent way
- Commitment: in the long term with our stakeholders and customers. Corporate responsibility
- Power: international group. Wide range of products for all levels. Sustainable Competitiveness
WILL PLAN
Our dream: we strive for a healthy world
VIEW
We want to be the reference option for those who wish to take care of their health and theirs throughout their lives
MISSION
We contribute to the improvement of people’s health and well-being through insurance and excellent solutions in a responsible way.
VALUES
Courage-Simplicity-Authenticity-Honesty-Warmth
VALUES
- Simplicity. Less, easier, simpler, shorter
- Honesty. There is no other way of being and acting or Warmth. We like people, we have real interest in them, we are attentive to their needs.
- Authenticity. Unique, we are like that, true to ourselves
- Courage. Face challenges, create challenges, create the future.
ACKNOWLEDGMENTS
As a company, DKV has a philosophy that involves all workers in order to work with high standards of quality and service. A work that does not go unnoticed and has received several awards, among which are:
HEALTH REFERENCE
Best Health company by the ADECOSE Barometer (Spanish Association of Insurance brokerages)
TOP 20 Award for the best “Global Hospital Management” to Denia Hospital
Prize for the best nursing research work at the ICU of Denia Hospital
No. 30 among the 100 companies with the best corporate reputation in Spain and No. 2 in the health care sector ranking
UNIQUE CUSTOMER EXPERIENCE
Seal of Excellence 500+ (Recognize for Excellence 5 stars)
Award for Insurance Innovation of the DKV website in the framework of Fujitsu World Tour
ISO 9001 Certificate in Home, Death, Life, Health, Accident, Income and DKV Services
RESPONSIBLE BUSINESS
First Prize in the IV Edition of the Healthy Company Awards of the HR Observatory
7th best company to work within the category of organizations between 500 and 1000 employees of the Great Place to Work® ranking
RESPONSIBLE BUSINESS STRATEGY
We strive for a more responsible world
| COMMITMENT | Be the preferred company for their responsible actions. |
| AXES | Responsible management | Involvement of interest groups | Responsible innovation |
| OBJECTIVES | Promote integrity and its perception by internal and external interest groups. | Increase stakeholder involvement with the responsibility of DKV. | Reference company in responsible innovation |
| EXPECTATIONS OF INTEREST GROUPS |
Offer: quality products / services / solutions / safety and health / customer experience Integrity: ethical behavior / responsible supply chain Work: fair salary / fair treatment Environment: do not impact negatively |
