Ergo 4 

Customized, individual life insurance is a safeguard for your and your loved ones' health and life. It is also a guarantee of financial stability in difficult situations, helping to cover long-term treatment costs or loan repayments. Benefits from life insurance help cover the costs of specialist medical assistance in case of an accident or illness.

Key features:

• Flexible adjustment of the insurance coverage to your individual needs
• Possibility of insuring the whole family including children
• Immediate protection starting 24/7, worldwide
• High insurance sums – up to 10 million PLN in life insurance
• Dedicated insurance solutions for borrowers

Scope of protection:

Life insurance:

• insurance sum from 50,000 to 10 million PLN,
• protection from age 18 to 100 years old,
• possibility of coverage for the insured's death from any cause,
• possibility to choose a special variant protecting loan repayment,
• adjustment of the level of protection to the changing loan amount.

Body injury and incapacity to work:

• lump-sum payout or regular annuity payment,
• high monthly annuity, which during the insurance period can amount to even 4 million PLN,
• high lump-sum benefits in case of fractures and severe permanent disability up to 500,000 PLN,
• protection from age 18 to 70 in case of bodily injury and up to 65 years in case of incapacity to work,
• possibility of including people performing high-risk professions in the coverage,
• possibility to choose a special variant protecting loan repayment.

Critical illness:

• coverage that can include up to 50 critical illnesses, including malignant tumors,
• very high insurance sum – up to 200,000 PLN for insurance events,
• possibility of multiple benefit payouts – in case of subsequent illnesses during the insurance period,
• protection even up to the age of 70,
• benefit payout regardless of the stage of the disease or initiation of treatment,
• possibility to allocate the paid benefits for any purpose.

Child's health:

• high insurance sum – up to 200,000 PLN,
• coverage including up to 20 serious diseases listed in the General Terms and Conditions of Insurance, including cancers,
• possibility of insuring a child from 3 months to 25 years old,
• possibility of multiple benefit payouts – in case of subsequent diseases during the insurance period,
• benefit payout also for events that occur during sports activities (including combat sports).

Global Doctors:

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

We cover adults aged 18-64 (as part of individual and group insurance) and children from 3 months old to 17 years old (only under individual insurance).

Open Group

The Open Group's offer is a unique life insurance available to individual clients who collectively form a group of insured people. Clients have the opportunity to take advantage of all the benefits that group insurance provides. The pricing differentiation based on profiling clients in the Open Group allows better adjusting the insurance coverage and premium amount to individual needs and the client's capabilities.

Group life insurance in the Open Group includes:

• Insurance for individual clients on group insurance terms. Age of enrollment from 18 to 66 years. • The possibility to choose from 10 attractive and clear insurance options. • Protection starting the next day after enrolling in the insurance, considering existing waiting periods (lack of or limited responsibility of ERGO Hestia). • Possibility of individual continuation without a medical questionnaire after the age of 70 with a lower insurance sum and only 3 risks covered. • Electronic claims reporting from anywhere and at any time through a form placed on the ERGO Hestia website. • Only three short statements regarding the client's health status and two short statements concerning the client's profession and activities deemed dangerous. Protection options in the Open Group:

1. For Me

Protection against events such as: death, death due to an accident, permanent health impairment, critical illnesses, hospital treatment.

2. For Us

Extension of the "For Me" protection with a package for the co-insured, e.g.: critical illnesses of spouse/partner, death of spouse/partner, death of parent/in-law.

3. For the Family

Extension of the "For Me" and "For Us" protection packages with a benefits package related to the insured's family, e.g. childbirth, critical illness of a child, hospital treatment of a child.

Extras:

1. Medical Assistance • organization and coverage of costs for 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 worldwide • organization and coverage of cancer treatment and other serious diseases abroad

Closed Group

ERGO Life in Business is a group life insurance available for every company. It provides employees and their loved ones with protection of life and health. The insurance coverage is provided worldwide 24/7 and includes among others:

• Comprehensive financial support in situations such as incapacity to work, serious illness, hospital treatment, surgical operations, or health impairment. Full protection of life and health not only for the Insured but also for their immediate family (spouse, partner, adult child).
• Offer available even for two-person groups.
• Possibility of extending coverage with additional MediCare and Global Doctors insurances, which will increase comfort and provide real support in the faster recovery of the employee.
• Convenient fully remote service on the group insurance management platform and electronic claims reporting, without leaving home.

Available packages under the simplified path:

• Solo - protection against events such as: death, death due to an accident, permanent health impairment, critical illnesses, hospital treatment, etc.
• Duet - this package relates to the co-insured, e.g. critical illnesses of the spouse/partner, death of the spouse/partner, death of parent/in-law.
• Family - this is a benefit package concerning the family of the insured, e.g. childbirth, congenital defect of the child, permanent disability, etc. 

 Extras for insurance under the simplified pathway:

• Critical illness of the insured due to cancer
• Costs of post-hospital treatment of the insured (the so-called pharmacy card)
• Stay of the insured in a sanatorium after hospital treatment
• Hospital treatment of the spouse or partner due to an accident
• Specialized treatment of the insured's child
• MediCare (up to 10 additional assistance insurances including MediPlan)
• Global Doctors

Extras for the extended pathway (ideal choice for large, demanding companies):

MediCare

• up to 13 selected additional assistance insurances, also for relatives
• wide range of medical benefits and assistance services in case of health problems related to accidents, sudden illnesses, serious illness due to cancer or cardiovascular disease
• assistance during or after a hospital stay due to sudden illness or accident
• comprehensive support after childbirth
• psychological support in difficult life situations

MediPlan - assistance insurance under MediCare

• rehabilitation 
• medical consultations 
• laboratory and radiological tests and outpatient procedures 

Global Doctors 

• access to renowned specialists in clinics worldwide
• organization and covering the costs of cancer treatment and other serious diseases abroad 
• in the case of a particular form of malignant cancer – additionally precision medicine, including: » molecular profiling » family tests » patient guide in clinical trials, including daily diet
• organization and covering the costs of four 60-minute online psychological consultations for the insured or their family with a psycho-oncologist or psychologist (does not apply to severe precancerous dysplasia)

Comfort Life Plus

is protection for both small consumer loans and mortgage loans. A loan is a chance to realize dreams while also being a commitment for years. Do not let its repayment burden your loved ones. If you are not a borrower but want to take out life insurance – this insurance is also for you. We pay benefits in case of serious illness, loss of employment, or temporary, permanent, and total incapacity to work as a result of illness or accident, and death of the insured as a result of an accident.

Advantages

• flexibility of the offer – insurance tailored to your needs with a choice of one of 4 packages
• repayment of the loan for you and your loved ones in case of unfortunate events
• insurance can also serve as protection for both small consumer loans, as well as mortgage loans
• you can choose two types of insurance sums – loan-related and fixed. The loan-related sum will "repay" liabilities in case of your death, while the fixed sum, apart from repaying the liabilities, will provide financial support for your family in difficult times
• additional payment for surviving to the end of the insurance period (so-called CashBack)
• additional package for farmers
• you decide on the frequency of premium payments
• you do not have to be a borrower to purchase the policy – Comfort Life Plus is also an offer for those who want to buy life insurance without financial obligations

Coverage scope

• Death of the Insured
• Death of the Insured as a result of an accident
• Partial incapacity to work or hospitalization
• Permanent and total incapacity to work as a result of an accident – a benefit is paid when the insured's permanent and total incapacity to work is adjudicated due to an accident
• Permanent and total incapacity to work due to illness – a benefit is paid when the insured's permanent and total incapacity to work is adjudicated due to illness
• Critical illness
• Job loss – a benefit is paid when the insured becomes unemployed with the right to unemployment benefits as a result of job loss.

Agro package
A special package for farmers that 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 LIFE PLUS

Enjoy life, choose insurance with PLUS.

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

• we give singles the opportunity for high protection for themselves,
• we enable couples to secure their nearest and dearest,
• we offer families protection of life and health, as well as benefits related to a child, parent, or in-law,
• we propose unlimited protection for seniors.

Get to know the selected PLUSes of our life insurance:

• possibility to adjust the optimal scope of protection from many available options,
• full benefit payout already from day 1 of protection in case of the Insured's death,
• benefit payout for hospitalization of the Insured already from day 1 of hospitalization regardless of the reason,
• possibility of paying premiums monthly, quarterly, semi-annually, and annually.

Coverage scope

• Possibility to choose a high sum insured for the risk of death.
• Possibility to choose a variant under which you will receive benefits in case of one of 40 critical diseases, including: cancer, heart attack, stroke, multiple sclerosis, organ transplant, and many others.
• Possibility to choose a variant under which you will receive benefits in case of an injury not causing permanent health impairment: fractures, dislocations, or sprains that do not leave permanent health consequences.
• Possibility to choose a variant under which you will also insure the life and health of your spouse, partner, or child.
• Possibility to choose a variant under which you will receive benefits for the birth of a child.
• Possibility to choose a variant with access to a wide range of Assistance services helpful, among others, in case of an unfortunate accident or sudden illness.

 

 

Borrower's Insurance

Saltus – Your LIFE

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

The insurance covers:

• death of the Insured, from any cause (basic scope of protection),
• possibility to extend the basic scope of coverage by additional risks, including:

            – total incapacity for self-sufficient existence due to an accident

            – serious illness (119 disease units)

            – hospitalization due to an accident

            – death of the Insured as a result of an accident

            – death of the Insured's spouse/partner as a result of an accident

Why is it worth it?

• no maximum age limit for enrollment in the insurance

Any person who has reached the age of 18 can be insured, but the greatest benefit for the client is the absence of an upper age limit.

• insurance for new and existing loans/credits

The product is dedicated both to clients who already repay a previously borrowed loan or credit, and those who intend to take out a loan or credit now.

• SALTUS pays off the taken loan

If tragedy strikes and the insured dies, SALTUS Insurance will repay their debt to the Bank. Beneficiaries designated by the Insured may also receive an insurance payout.

• convenient premium payment

Options available: one-time, annually, semi-annually, quarterly, and monthly

• a wide range of bank products covered by insurance

Possibility to secure a wider range of bank products. Insurance sold among others for cash installment loan agreements, revolving loans, limits/debts, or credit cards as well as for mortgage/home loan agreements.

• protection starts from the day the insurance agreement is signed

The liability of the Insurance Company begins immediately after signing the insurance agreement by the Bank's Client.

• possibility to continue coverage after early repayment of the loan/credit

Saltus – Your PROTECTION

is an individual life insurance for the Insured/Borrower

The insurance covers:

•  basic scope of protection:

– death as a result of an accident

– death as a result of heart attack or stroke

– death as a result of cancer

– total incapacity for self-sufficient existence due to an accident

• possibility to extend the basic scope of coverage by additional risks, including:

            – serious illness (119 disease units)

            – hospitalization due to an accident

            – death of the Insured's spouse/partner as a result of an accident

            – job loss by the Insured

Why is it worth it?

• no maximum age limit for enrollment in the insurance

Any person who has reached the age of 18 can be insured, but the greatest benefit for the client is the absence of an upper age limit.

• insurance for new and existing loans/credits

The product is dedicated both to clients who already repay a previously borrowed loan or credit, and those who intend to take out a loan or credit now.

• SALTUS pays off the taken loan

If tragedy strikes and the insured dies, SALTUS Insurance will repay their debt to the Bank. Beneficiaries designated by the Insured may also receive an insurance payout.

• convenient premium payment

Options available: one-time, annually, semi-annually, quarterly, and monthly

• a wide range of bank products covered by insurance

Possibility to secure a wider range of bank products. Insurance sold among others for cash installment loan agreements, revolving loans, limits/debts, or credit cards as well as for mortgage/home loan agreements.

• protection starts from the day the insurance agreement is signed

The liability of the Insurance Company begins immediately after signing the insurance agreement by the Bank's Client.

• possibility to continue coverage after early repayment of the loan/credit

 

 

Individual Term Life Insurance for Borrowers

This is the ideal protection for loved ones in the form of funds for repaying financial obligations in the event of the death of the Insured/Borrower.

What does the insurance cover?
The subject of the 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

Expanded 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 due to an accident or illness

Where is the insurance valid?
Worldwide

How and when should premiums be paid?
The insurance premium is payable in advance by the due date:
by the day before the first Day of the Company's liability under the Insurance Agreement – for the first insurance premium payable on a regular basis or the insurance premium that is paid as a one-time payment on the last day of the policy period for which the previous insurance premium was paid – for the subsequent insurance premiums payable on a regular basis.

The insurance premium may be paid according to the frequency chosen 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 of completing the Application for concluding the Insurance Agreement, 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 protection begin and end?
Insurance protection begins on the date of the Company's liability confirmed in the Policy.

Insurance protection ends on the earlier of the following dates:

• on the day marked as the day of payment of the last installment of the loan according to the loan repayment schedule in case of the death of the Insured
• on the day of the Insured's 75th birthday (Basic and Expanded Packages) or 67th birthday (Comprehensive Package)

 on the day of receipt by the Company of the declaration from the Insured regarding withdrawal from the Insurance Agreement or termination of the Insurance Agreement