The Insurer takes risks, determined in the insurance policy, against events, related to the life, health and bodily integrity of persons, aged between 14 to 65 years, but not more than 70 years at the ending of the term of the insurance.
Death during the term of the insurance – insurance sum + additional interest as to the date of death.
Permanent disability as a result of insured incident, up to 30% – 50% – percentage of the insurance sum, equal to the percentage of the disability.
Permanent disability as a result of insured incident, above 50% – the insured person is released from further premium payment and the full amount of the insured sum remains enforced.
Survival – insurance sum plus the additional income accumulated for the period.
If the insured person choses so, against additional payment, one, several or all of the following additional covers can be included in the insurance:
Daily allowance for hospital stay
Release of payment of premium in case of permanent disability above 50% as a result of the accident
Critical illnesses and their consequences
Insurance sum – agreed upon entering into contract.
With the Rent insurances, the amount of the monthly rent (pension) is determined.
The period for which the monthly rent is going to be received is agreed for a period from 1 to 20 years or for life, as per the customer’s choosing. Currency
BGN, EURO or USD. Term of the contract
From 5 to 25/30 years Insurance premium:
installments (each 1, 3, 6 or 12 months)
For the customer: Up to 10% of the taxable income of natural person
For the employer: according to the Law of corporate income tax
Documents and forms, required for entering in insurance contract
Application for the conclusion of “Life” insurance and health declaration to it
Financial questionnaire (only for policies with value of above 60 thousand BGN or 30 thousand USD/EUR)
Medical tests – above set insurance sums
Declaration for origin of funds – above 30 000 BGN total value of the receivable premiums for the entire term
Early termination of the insurance contract
The contractor has the right to terminate early the insurance contract, by receiving the surrender value of the insurance, in case that the insurance is entitled with the right of surrendering.
The insurer has the right to terminate the contract as per the General terms and conditions.
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