Insurance

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Insurance

Types of insurance

Bank acts as an insurance agency for the following insurance companies:

Wiener Stadtische insurance
Generali insurance
DDOR

Insurance products:

Non-life insurance
- property insurance

Life insurance
- Risk insurance

Non-life insurance

Properti insurance (house, apartment, office) can be arranged as reqired collateral for housing loans, but also for individual needs.
Asset can be assured in case of following:
Fire, lightning strike, explosion
Flooding from water installations
Insurance against theft
Insurance against breakage
Insurance matters

Risk insurance

This insurance covers following cases:

Death due to illnes
Death due to an accident

Features of risk insurance:

Risk insurance is contracted as security for loans usually for (housing loans)
With a small premium (cost of insurance) you receive a large insurance cover (amount of the loan with declining sums of insurance which are following rest of the loan)
Period of contracting risk insurance is equal to the duration of the loan
Depending on the sum insured, which determines the amount of credit , risk insurance can be arranged with or without a medical examination depending on the conditions of Insurers
Risk insurance has no savings component
In case the insured event (the death of the client) , the family can not inherit the debt on the loan than a liability (the payment of the remaining debt on the loan) takes insurance company , in accordance with the terms of insurance.