Why Loan Protection Insurance

Cover yourself just in case. Our insurance goes beyond conventional limits – it covers new instances of back pain revealed by computer tomography or by magnetic resonance imaging, psychiatric disorders, as well as recurring illness.

  • Insurance premium charged irrespective of age and occupation
  • No medical questionnaires or health checks required
  • Retroactive payments
  • Early termination of employment arranged for a definite period

Which Option Suits You Best

Insured Events Monthly Premium
STANDARD incapacity to work
total permanent disability
death 7.5% of the regular monthly payment
7.5% of the regular monthly payment
PLUS redundancy
incapacity to work
total permanent disability
death 8.9% of the regular monthly payment
8.9% of the regular monthly payment

Benefits

Qualifying Period* Benefits Beneficiary
Incapacity to Work 30 calendar days Monthly loan repayments for the term of sickness absence, max. 12 monthly loan repayments Insured (=Client)
Redundancy 30 calendar days
(of the registration with the respective labour office)
Monthly loan repayments for the term of redundancy, max. 6 monthly loan repayments Insured (=Client)
Total Permanent Disability

-

Loan balance outstanding – lump sum payment Bank

Death

-

Loan balance outstanding – lump sum payment Bank

* Qualifying Period = the timescale defined which must be waited before a claim can be made

Options to Apply

  1. Whilst applying for a consumer credit or debt consolidation loan

  2. Anytime following the drawdown (STANDARD insurance plan only)

  3. By executing an amendment to your consumer credit agreement

Required Conditions

  • Age 18-65
  • No disability status or holder of ZTP or ZTP/P card
  • No incapacity to work

How to Claim

Contact BNP Paribas Cardif Pojišťovna, a.s.:
8.00 a.m. – 6.00 p.m. (Mo-Fr)
T: +420 234 240 234
E: czinfo@cardif.com
Claims may be filed four years after the occurrence of the insured event (11 years for death claims).

Možnosti kontaktování