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Life insurance

You need additional peace of mind for you and your family?

Find out more

Life insurance

 

You need additional peace of mind for you and your family? Opt for life insurance which provides you with financial security and other benefits as well.

Benefits

  • Osnovni rizik koji možete pokriti je smrt osiguranika

    The main risk you can cover is the death of the insured person

  • Imate osjećaj dugoročne sigurnosti

    You will have a feeling of lasting security

  • Premija osiguranja se prilagođava Vama

    The insurance premium will be adjusted to you

  • Štedite

    You save money

  • Dostupna Vam je optimalna kombinacija životnog osiguranja i osiguranja od nezgode

    You have an optimum combination of life insurance and accident insurance available

  • What can be covered by life insurance?
    • Endowment insurance - when the insurance term has expired, you will be paid the insured sum and the calculated share in the profit.

      Death insurance (death by disease or accident)  - the insured sum (identical to the endowment amount) will be paid at the time of death together with the profit share calculated until then.

  • Why should you have a life insurance?
    • Because this insurance provides you with:

      Social function - it gives you peace of mind,

      Financial security for you and your family,

      Financial benefits - it is a type of saving, where the accumulated funds will be paid out in case of endowment,

      Other benefits - You can use your policy as a security (pledge purpose), you participate in the insurance company's profit and are entitled to a loan,

      With additional access and permanent coverage in case of injury.

  • We can offer you the following types of life insurance
    • Death insurance with a fixed term,

      Endowment insurance with a fixed term,

      Whole life insurance

      Combined insurance - death and endowment insurance with a fixed term.

Programi životnog osiguranja

  • Classic insurance
    • Who is it for?

      The Classic insurance is for those customers who are looking for simple and safe insurance.

      What is the age of eligibility for insured person?

      This program insures people from 14 to 65 years of age.

      When will the insured amount be paid? 

      The guaranteed insured amount is paid in case of endowment or death of the insured person.

      Example:

      Gđica. Vedrana M., 35-godišnja službenica ugovorila je program Classic u trajanju od 15 godina. Shodno svojim
      mogućnostima, odlučila je uplaćivati 100 KM mjesečno. Po isteku polise gđica. Vedrana M. raspolagat će sa
      17.548,23 KM, uz dodatnu pripisanu dobit po polisi tokom svih 15 godina trajanja osiguranja.

      Insured cases

      Fee

      Endowment insuranceKM 17,548.23 + total generated profit
      Death insurance (death by disease or accident)KM 17,548.23 KM + profit generated by that moment

       

  • Comfort insurance
    • Who is it for?

      The Comfort insurance is for all those who want to have savings and health insurance.

      What is the age of eligibility for insured person?

      This program insures people from 14 to 55 years of age.

      When will the insured amount be paid?

      The guaranteed amount is paid in case of endowment, death or one of 20 serious diseases. 

      Example:

      Mr. Esad B., a 30-year-old economist, concluded a 15-year Comfort life insurance policy.
      Based on his disposable income, he decided to pay KM 100 a month. After expiry of the policy, Mr. Esad B. will receive the sum of KM 17,329.32, increased by accrued income for the entire 15-year term

       

      Insured cases

      Fee

      Endowment insuranceKM 17,329.32 + total generated profit
      Dread disease insuranceKM 17,329.32 + profit generated by that moment
      Death insurance (death by disease or accident)KM 17,548.23 KM + profit generated by that moment

       

  • Comfort Dual insurance
    • Who is it for?

      The Comfort Dual insurance is for customers who want financial and health security.

      What is the age of eligibility for insured person?

      This program insures two people from 14 to 55 years of age.

      When will the insured amount be paid?

      The guaranteed amount is paid in case of endowment, death or one of 20 serious diseases. Only the Comfort Dual program provides to the insured persons payments in case of a serious disease of insured person's child from 3 to 18 years of age (the beneficiary is paid 1/3 of the insured amount or maximum EUR 10,000).

      Example:

      A couple, 34-year old Goran, legal professional, and 24-year old Ada, merchant, decided to buy a 15-year Comfort Dual insurance policy. In accordance with their capacities, they decided to make monthly payments of KM 100. Upon expiry of the policy, Goran and Ada will receive the sum of KM 16,879.52, increased by accrued income for the entire 15-year term.

       

      Insured cases

      Fee

      Endowment insuranceKM 16,879.52 + total generated profit
      Dread disease insuranceKM 16,879.52 + profit generated by that moment
      Death insurance (death by disease or accident)KM 16,879.52 KM + profit generated by that moment

  • Capital insurance
    • Who is it for?

      It is for those who want to embark on an optimum form of savings and insurance, with the possibility of arranging policies regardless of the health condition or profession of insured persons.

      What is the age of eligibility for insured person?

      This program insures people from 14 to 65 years of age.

      When will the insured amount be paid?

      The insured amount will be paid out in full upon the policy maturity, and in the case of death, the premium paid by that moment.  

      Example:

      Ms. Sabina T, a 40-year old economist, bought a 20-year Capital Insurance policy and decided set aside KM 100.00 each month under this program.   After expiry of the policy, Mrs. Sabina T. will receive the sum of KM 24,758.99, increased by accrued income for the entire 20-year term.

      Insured cases

      Fee

      Endowment insuranceKM 24,758.99 + total generated profit
      Death insurance (death by disease or accident)

      paid insurance premium by that moment + profit generated by that moment

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