Comfort Life Plus

is a safeguard for both small consumer loans and mortgage loans. A loan is an opportunity to realize dreams, while also a commitment for years. Don't let its repayment burden your loved ones. If you are not a borrower but want to take out a life policy – this insurance is also for you. We pay a benefit in case of severe illness, job loss, or temporary, permanent, and total incapacity to work due to illness or accident, as well as the insured's death due to an accident.

Advantages

• flexibility of the offer – insurance tailored to your needs with a choice of one of 4 packages
• loan repayment for you and your loved ones in the case of unfortunate events
• insurance can serve as a safeguard for both small consumer loans and mortgage loans
• you can choose between two types of sum insured – credit and fixed. The credit sum in case of your death will “cover” the debts, while the fixed sum, in addition to settling obligations, will provide financial support for your family in difficult times
• additional benefit for surviving until the end of the insurance period (so-called CashBack)
• additional package for farmers
• you decide the frequency of premium payments
• you do not need to be a borrower to purchase the policy – Comfort Life Plus is also an offer for those who want to buy a life policy but do not have financial obligations

Scope of Insurance

• Death of the Insured
• Death of the Insured as a result of an accident
• Partial incapacity to work or hospitalization
• Permanent total disability due to an accident – the benefit is paid when a permanent and total incapacity to work is declared due to an accident
• Permanent total disability due to illness – the benefit is paid when a permanent and total incapacity to work is declared due to illness
• Serious illness
• Job loss – The benefit is paid when the Insured, due to job loss, receives unemployment status with the right to benefits.

Agricultural Package
A special package for farmers, which covers the following events:
• death as a result of an accident during agricultural work
• death as a result of an infectious disease in agriculture

 

Generali, for a PLUS Life

Enjoy life, choose an insurance with PLUS.

Generali, for a PLUS Life is a modern life insurance where everyone can find many PLUSes for themselves:

• for singles, we provide a high level of protection for themselves,
• for couples, we allow securing their closest person,
• for families, we offer life and health protection, as well as benefits related to a child, parent, or father-in-law,
• for seniors, we propose indefinite protection.

Discover the selected PLUSes of our life insurance:

• the option to adjust the optimal level of protection from many available variants,
• payment of benefits in full from the first day of coverage in case of the Insured's death,
• payment of benefits for the Insured's hospitalization starting from the first day of hospitalization regardless of the reason,
• the option to pay premiums monthly, quarterly, semi-annually, and annually.

Scope of Insurance

• The possibility of choosing a high sum insured for the risk of death.
• The possibility of choosing a variant under which you will receive benefits in case of occurrence of one of the 40 serious diseases, including: cancer, heart attack, stroke, multiple sclerosis, organ transplant, and many others.
• The possibility of choosing a variant under which you will receive benefits in case of injury that does not cause permanent health impairment: fractures, dislocations, or sprains that do not leave lasting health consequences.
• The possibility of choosing a variant that also insures the life and health of your spouse, partner, or child.
• The possibility of choosing a variant under which you will receive benefits upon the birth of a child.
• The possibility of choosing a variant with access to a wide range of Assistance services helpful, among others, in case of accidents or sudden illnesses.

 

OWU Generali, for a PLUS Life
Generali product card, for a PLUS life cancer package
Generali Product Card, for a PLUS Life

 

Borrower's Insurance

Saltus – Your LIFE

is individual life insurance for the Insured/Borrower and their spouse/partner

The insurance covers:

• death of the Insured, from any cause (basic coverage),
• the possibility of extending basic coverage with additional risks, including:

            – total incapacity for self-sustenance due to an accident

            – serious illness (119 diseases)

            – hospitalization due to an accident

            – death of the Insured due to an accident

            – death of the Insured's spouse/partner due to an accident

Why is it worth it?

• no age limit for joining the insurance

Any person over 18 can be covered, but what constitutes the biggest advantage for the client is the absence of an upper age limit.

• insurance available for new and existing loans/credits

The product is dedicated to clients who are already repaying previously taken loans or credits and have now decided to insure, as well as to those who are about to take a loan or credit.

• SALTUS pays off the borrowed loan

In the unfortunate event that the insured dies, SALTUS Insurance will pay off their debt to the Bank. The beneficiaries indicated by the Insured may also receive a payout of the insurance benefit.

• convenient premium payment

Choose from: one-time, annually, semi-annually, quarterly, and monthly

• wide catalog of bank products covered by the insurance

The possibility of securing a wider range of bank products. Insurance is sold, among others, for personal/installment loan agreements, revolving credit, limit/debt, or credit card as well as for loan/mortgage agreements.

• protection starts from the day of signing the insurance agreement

The insurance company's liability begins immediately after the insurance agreement is signed by the Bank client.

• the possibility of continuing protection after early repayment of the loan/credit

General Terms of Insurance

Saltus – Your PROTECTION

is individual life insurance for the Insured/Borrower

The insurance covers:

 

•  basic coverage:

– death due to an accident

– death due to a heart attack or stroke

– death due to cancer

– total incapacity for self-sustenance due to an accident

• the possibility of extending the basic coverage with additional risks, including:

            – serious illness (119 diseases)

            – hospitalization due to an accident

            – death of the Insured's spouse/partner due to an accident

            – job loss by the Insured

Why is it worth it?

• no age limit for joining the insurance

Any person over 18 can be covered, but what constitutes the biggest advantage for the client is the absence of an upper age limit.

• insurance available for new and existing loans/credits

The product is dedicated to clients who are already repaying previously taken loans or credits and have now decided to insure, as well as to those who are about to take a loan or credit.

• SALTUS pays off the borrowed loan

In the unfortunate event that the insured dies, SALTUS Insurance will pay off their debt to the Bank. The beneficiaries indicated by the Insured may also receive a payout of the insurance benefit.

• convenient premium payment

Choose from: one-time, annually, semi-annually, quarterly, and monthly

• wide catalog of bank products covered by the insurance

The possibility of securing a wider range of bank products. Insurance is sold, among others, for personal/installment loan agreements, revolving credit, limit/debt, or credit card as well as for loan/mortgage agreements.

• protection starts from the day of signing the insurance agreement

The insurance company's liability begins immediately after the insurance agreement is signed by the Bank client.

• the possibility of continuing protection after early repayment of the loan/credit

 

 

Individual Term Life Insurance for Borrowers

This is an ideal safeguard for your loved ones in the form of funds to pay off financial obligations in the event of the death of the Insured/Borrower.

What is the subject of insurance?
The subject of insurance is the life of the Insured or the life and health of the Insured. The scope of insurance coverage in relation to the Insured depends on the type of package:

Basic package:

• death

Extended package:

• death
• death as a result of an accident
• death as a result of a traffic accident

Comprehensive package:

• death
• death as a result of an accident
• death as a result of a traffic accident
• total permanent incapacity to work resulting from an accident or illness

Where does the insurance apply?
Worldwide

How and when should premiums be paid?
The insurance premium is paid in advance by the due date:
until the day before the first Day of the company's liability under the insurance Agreement – in the case of the first insurance premium payable regularly or the one-time insurance premium payable on the last day of the policy period for which the previous insurance premium has been paid – in the case of subsequent insurance premiums payable regularly.

The insurance premium can be paid according to the frequency selected by the Insured:

• Monthly
• Quarterly
• Semi-annually
• Annually
• One-time, for the entire insurance period

The amount of the insurance premium is determined based on the tariff applicable in the company on the day the Application for the insurance Agreement is filled out, depending on the length of the insurance period expressed in months, the amount of the loan specified in the Loan Agreement, and the frequency of premium payments.
The amount of the insurance premium is confirmed in the Policy.

When does the insurance coverage start and end?
Insurance coverage begins on the day of the company's responsibility confirmed in the Policy.

Insurance coverage ends on the earlier of the following days:

• on the day marked as the day of repayment of the last installment of the loan according to the repayment schedule upon the death of the Insured
• on the day of the Insured's 75th birthday (Basic package and Extended package) or 67th birthday (Comprehensive package)

 On the day the Insured's statement of withdrawal from the insurance Agreement or termination of the insurance Agreement is received by the company.

 

 

Ergo 4 

Tailored, individual life insurance is a safeguard for the health and life of you and your loved ones. It also ensures financial stability in difficult situations, assists in covering the costs of long-term treatment, or paying off loans. Benefits under life insurance help cover the costs of specialized medical assistance in case of an accident or illness.

Main features:

• Flexible adjustment of the insurance coverage to your individual needs
• The possibility of insuring the whole family, including children
• Immediate protection starting 24 hours a day, worldwide
• High sums insured – in life insurance up to 10 million PLN
• Dedicated insurance solutions for borrowers

Scope of protection:

Life insurance:

• sum insured from 50 thousand to 10 million PLN,
• protection from age 18 up to 100 years old,
• the possibility of protection covering the insured's death from any cause,
• the option to choose a special option covering loan repayment,
• adjusting the level of protection to the changing amount of the loan.

Body Injury and Disability:

• lump sum benefit or regular annuity payment,
• high monthly annuity, the total amount during the insurance period can reach even 4 million PLN,
• high one-time benefits in case of fractures and serious permanent disability of up to 500 thousand PLN,
• protection from age 18 to 70 in case of bodily injury and up to 65 years for disability,
• the possibility of including persons in high-risk occupations in coverage,
• the option to choose a special variant protecting loan repayment.

Critical Illness:

• protection that can cover up to 50 serious diseases, including malignant tumors,
• very high sum insured – up to 200 thousand PLN per insured event,
• the possibility of multiple benefit payments – in case of subsequent illnesses during the insurance period,
• protection even up to age 70,
• payment of the benefit regardless of the stage of the illness or the commencement of treatment,
• the possibility of using the paid funds for any purpose.

Child's Health:

• high sum insured – up to 200 thousand PLN,
• coverage includes up to 20 serious illnesses listed in the General Terms of Insurance, including cancers,
• possibility to insure a child from 3 months to 25 years of age,
• the possibility of multiple benefit payments – in case of subsequent illnesses occurring during the insurance period,
• benefit payments for events occurring while engaging in sports (including combat sports).

Global Doctors:

The Global Doctors insurance protects both adults and children. You can conclude the agreement under the individual life insurance ERGO 4 or group life insurance for individual clients in the Open Group and group life insurance for employees and their families in the Closed Group.

We insure adults aged 18-64 (within individual and group insurance) and children from 3 months to 17 years old (only within individual insurance).

Open Group

The Open Group offer is a unique life insurance available for individual clients who together form a group of insured. Clients can take advantage of all the benefits of group insurance. The applied pricing differentiation based on profiling the Client in the Open Group allows for a better adjustment of the insurance coverage and premium amount to the individual needs and capabilities of the client.

Group life insurance in the Open Group includes, among others:

• Insurance for individual clients on group insurance terms. Age of entry from 18 to 66 years.
• The option to choose from 10 attractive and transparent insurance variants.
• Protection starting the day after joining the insurance, considering existing waiting periods (absence or limitation of ERGO Hestia's liability).
• The possibility of individual continuation without a medical questionnaire after the age of 70 with a lower sum insured and only covering 3 risks.
• Electronic claims reporting, from anywhere and at any time, via the form placed on the ERGO Hestia website.
• Only three short statements about the client's health status and two short statements about the occupation and professional activities deemed hazardous.
Protection variants in the Open Group:

1. For Me

Protection against events such as: death, death as a result of an accident, permanent disability, serious illnesses, hospitalization.

2. For Us

Extension of “For Me” protection with a package related to co-insured individuals, e.g.: serious illnesses of a spouse/partner, death of a spouse/partner, death of a parent/father-in-law.

3. For Family

Extension of the “For Me” and “For Us” protection package with a benefits package concerning the insured's family, e.g., childbirth, serious illness of a child, hospitalization of a child.

Extras:

1. Medical Assistance
• organization and coverage of the costs of a visit to a primary care physician
• delivery of medications and basic food and hygiene products
• care for children and dependent persons

2. MediPlan
• rehabilitation
• medical consultations
• laboratory and radiological tests and outpatient procedures

3. Global Doctors
• access to the best doctors of all specialties in renowned clinics around the world
• organization and coverage of the costs of cancer treatment and other serious illnesses abroad

 OWU ERGO Health