A test of lepton universality, performed by measuring the ratio of the branching fractions of the B-0 -> K*(0)mu(+) mu(-) and B-0 -> Ke(+)e(-) decays, R-K0, is presented. The K*(0) meson is reconstructed in the final state K+pi(-), which is required to have an invariant mass within 100 MeV/c(2) of the known K*(892)(0) mass. The analysis is performed using proton-proton collision data, corresponding to an integrated luminosity of about 3 fb(-1), collected by the LHCb experiment at centre-of-mass energies of 7 and 8 TeV. The ratio is measured in two regions of the dilepton invariant mass squared, q(2), to be R-K0 - {0.66(-0.007)(+0.11)(stat) +/- 0.03(syst) for 0.045 < q(2) < GeV2/c(4), 0.69(-0.07)(+0.11)(stat) +/- 0.05(syst) for 1.1 < q(2) < 6.0 GeV2/c(4). The corresponding 95.4% confidence level intervals are [0.52, 0.89] and [0.53, 0.94]. The results, which represent the most precise measurements of R-K0 to date, are compatible with the Standard Model expectations at the level of 2.1-2.3 and 2.4-2.5 standard deviations in the two q(2) regions, respectively.