Insurance Details

It is a form of protection and savings in the medium and long term.

This form of protection is aimed at both individual clients and legal entities for the protection of employees.

INSURED RISKS

Life insurance covers the risk of death and the risk of survival.

In addition, additional protection clauses may be attached to the insurance contract:

  • Accidental death
  • Partial or total disability due to accident or illness
  • Serious illnesses
  • Cancer
  • Hospitalization due to accident
  • Hospitalization due to accident or illness
  • Surgery due to accident
  • Surgery due to accident or illness
  • Guaranteed increase in SA
  • Permanent disability gr.1
  • Fractures
  • Burns
  • Optimal treatment abroad
  • Medical expenses due to any cause or accident

HOW A LIFE INSURANCE IS TAKEN OUT

Following the identification of the protection needs and the client’s financial possibilities, an insurance request is filled in. It comprises information on the medical, occupational and reputational risk of the client upon the insurance request.

Following the assessment of the aforementioned risks, the insurer communicates to the client the decision of insurance takeover: standard, by the payment of an additional premium or the insurance refusal.

TAX PROVISIONS

Tax-wise, these insurance forms are not fiscally deductible.

Exclusions

The main exclusions of a life insurance contract can be:

- any pre-existent condition, if it was not accepted within the risk assessment process;

- suicide;

- insured’s intentional and active participation in violent actions, riots, rebellions, war theaters and military operations;

- consumption of alcoholic drinks;

- perpetration of actions violating the applicable legislation;

- practicing dangerous activities or sports without the prior notification of the insurer, e.g. gliding, sky diving, speleology, acrobatics, stunts, etc.

What do I do in case of damage?

In the case of an insured event, a standardized procedure of the settlement of the respective situation is followed, the client being supported by the insurer and the broker throughout this process.

Damage Call Center: 031 9660

Cristian Vasile, Damage Manager - 0755.02.26.67