Riziko insurance

Life is unpredictable and can be changed in a moment. Suddenly, the family can lose a dearest person and financial protection at the same time.
Risk insurance would help your loved ones to feel safe at the worst moment and make financial problems easier to handle.

For a low premium - a high sum insured.

Risk Insurance is a life insurance product that covers only the case of death. It does not have the character of savings and is contracted for a certain period of time.

Why Risk Insurance?

  • If you have a stressful, dynamic life, and if you are exposed to a number of risks on a daily basis: such as traffic accidents, injuries at work and other similar situations - in case of a worst scenario, you will provide financial support for your loved ones;
  • If you are taking a cash loan or a residential loan or a loan for a car, Risk Insurance provides security to the family in case of the death of the loan holder.

 

EXAMPLE

Male aged 40

Insurance period

20 yearsa

Annual premium

200 €

Sum insured

18.150 €

 

Female aged 40

Insurance period

20 yearsa

Annual premium

200 €

Sum insured

34.996 €

 

Risk insurance with decreasing sums insured:

Male aged 40

Insurance period

20 yearsa

Sum insured

20.000 €

Kamatna stopa kredita

4%

Mjesečna premija 6,50 €

 

Female aged 40

Insurance period

20 yearsa

Annual premium

20.000 €

Sum insured

4%

  3,36 €

RISK WITH DECREASING SUMS INSURED

This is a special type of Risk Insurance that serves exclusively for securing your loan.

Secured sums are reduced by following the remaining debt to the bank, according to the annuity plan issued by Wiener Städtische životno osiguranje. In case of death of the loan holder, Wiener Städtische životno osiguranje directly settles all its loan liabilities, in accordance with the annuity plan. This insurance can be arranged for a maximum period of 30 years.

The last two years of the premium payment period at Risk Insurance with decreasing sums insured are FREE OF CHARGE!

 

INSURANCE CONDITIONS

  • The insured may be aged 14 to 74

Insurance can be contracted at least 1, and at most 20 years at a Risk program with a fixed sum insured, i.e. 30 years with a Risk program with a decreasing sum insured.