3D insurance
To secure financial independence and security it doesn’t matter how much we earn but how much we can save. Money is easily spend, so it’s best to invest it in something useful. By investing in life insurance you manage your funds responsibly and think long-term.
Key benefits
Benefit for children
You are planning the future of your children and thereby making future challenges easier for them
Savings
You insure your own life and save at the same time
Investment
You invest money from which you expect a certain profit
Insurance for everyone
Protect you and your loved ones from things that can endanger your life
Why do I need 3D insurance?
3D Insurance is the most complete and most flexible insurance product to date, giving you an opportunity to buy insurance regardless of your age or health condition. It comprises two elements. The first refers to the savings period (the so-called deferral period), while in the second part you include life insurance in your insurance program, just when you estimate that you will need it.
3D insurance is divided according to groups of clients, meets their needs and is intended for:
I dimension – children
II dimension – adults who want to insure themselves and save
III dimension – adults who want to save
With the supplemental insurance covering accidental death, the sum insured doubles if the insured event occurs, or it triples if another supplemental insurance policy is purchased.
Think ahead and be ready for any life situation.
In addition to the fact that age is not an obstacle to concluding a life insurance contract, this insurance also exempts you from paying the insurance premium in the last year of insurance.
Selected features:
Age of the insured can range from 0 to 65
The contract can be concluded for at least 10 years but not more than 25 years
For children aged 0-18 when contracting Wiener Doctors supplementary insurance, the minimum annual premium is 90 eur
For persons who do not contract Wiener Doctors supplementary insurance, the minimum annual premium is EUR 300
Example
I DIMENSION
Who can be insured?
All healthy persons starting from birth to age 14. The contract is concluded for a period of 10 to 25 years, with a deffered period of at least until the age of 15 of insured person, and at least one year shorter than the duration of the insurance contract.
I DIMENSION | |
|---|---|
Age | 1 year |
Contract duration | 20 years |
Annual premium | 600,00€ |
Deferred period | 19 years |
Insured sum (man) | 11.395,65 € |
Insured sum (woman) | 11.395,96 € |
* Monthly premium with agreed payment through a direct debit
**The quoted insured sum will be increased by the accrued profit
- Dopunsko osiguranje lica za slučaj smrti od posljedica nesrećnog slučaja (nezgode) (od 15 godine Osiguranika)
- Dopunsko osiguranje lica od posljedica nesrećnog slučaja
- Dopunsko osiguranje lica od nastanka težih bolesti (od 19. godine Osiguranika)
- Dopunsko osiguranje lica za slučaj hirurških intervencija (max. Do 10.000€) (od 15 godine Osiguranika)
- Dopunsko osiguranje lica od nastanka maligne bolesti (max. Do 15.000€) (od 18. godine Osiguranika)
- Dopunsko osiguranje lica uz osiguranje života WIENER DOCTORS
II DIMENSION
This is life insurance in case of maturity, with insuarnce in case of death. Insuarnce in case of death does not have to start at the same time as insurance for maturity.
By contracting supplementary accident insurance, the insurance beneficiary will be paid the sum insured during deffered period if the insured event occurs.
Who can be insured?
All healthy persons from the age of 14 years, whereas the age at the time of the expiration of the contract can be up to 75 years.
II DIMENSION | |
|---|---|
Age | 40 years |
Contract duration | 20 years |
Annual premium | 500,00€ |
Deferred period | 10 years |
Insured sum (man) | 9.327,77 € |
Insured sum (woman) | 9.402,03 € |
*Monthly premium with agreed payment through a direct debit
**The quoted insured sum will be increased by the accrued profit.
- Dopunsko osiguranje lica za slučaj smrti od posljedica nesrećnog slučaja (nezgode) (od 15 godine Osiguranika)
- Dopunsko osiguranje lica od posljedica nesrećnog slučaja
- Dopunsko osiguranje lica od nastanka težih bolesti (od 19. godine Osiguranika)
- Dopunsko osiguranje lica za slučaj hirurških intervencija (max. Do 10.000€) (od 15 godine Osiguranika)
- Dopunsko osiguranje lica od nastanka maligne bolesti (max. Do 15.000€) (od 18. godine Osiguranika)
- Dopunsko osiguranje lica uz osiguranje života WIENER DOCTORS
- Dopunsko osiguranje lica za oslobađanje od plaćanja premije u slučaju trajnog invaliditeta 50% i više usljed posljedica nesrećnog slučaja. (UI50)
- Dopunsko osiguranje lica za oslobađanje od plaćanja premije za vrijeme radne nesposobnosti usled posledica nesrećnog slučaja (nezgode) uz osiguranje života (AUZ)
III DIMENSION
It is intended for all those who want to save money. The insurance contract is concluded with a deffered period that is one year shorter than the duration of the insurance.
This means that the death insurance is only valid for the last year of the contract.
By compiling supplementary insurance in the event of an accident, the insurance beneficiary receives an insured sum during the period of delay if the insured event occurs.
III DIMENSION | |
|---|---|
Age | 50 years |
Contract duration | 25 years |
Annual premium | 500,00€ |
Deferred period | 24 years |
Insured sum (man) | 12.281,17 € |
Insured sum (woman) | 12.350,53 € |
* Monthly premium with agreed payment through a direct debit
**The quoted insured sum will be increased by the accrued profit
- Dopunsko osiguranje lica za slučaj smrti od posljedica nesrećnog slučaja (nezgode) (od 15 godine Osiguranika)
- Dopunsko osiguranje lica od posljedica nesrećnog slučaja
- Dopunsko osiguranje lica od nastanka težih bolesti (od 19. godine Osiguranika)
- Dopunsko osiguranje lica za slučaj hirurških intervencija (max. Do 10.000€) (od 15 godine Osiguranika)
- Dopunsko osiguranje lica od nastanka maligne bolesti (max. Do 15.000€) (od 18. godine Osiguranika)
- Dopunsko osiguranje lica uz osiguranje života WIENER DOCTORS
- Dopunsko osiguranje lica za oslobađanje od plaćanja premije u slučaju trajnog invaliditeta 50% i više usljed posljedica nesrećnog slučaja. (UI50)
- Dopunsko osiguranje lica za oslobađanje od plaćanja premije za vrijeme radne nesposobnosti usled posledica nesrećnog slučaja (nezgode) uz osiguranje života (AUZ)
Find out more
In the time we live in, there are more and more circumstances that can endanger your life. Accidents, surgical interventions, diseases often happen.
Financial costs for treatment can be very high, so we can offer you to continue treatment in the case of the most serious diseases in Montenegro or choose one of the clinics in Europe. That is why provide yourself and your family with additional funds when you need them most. Take out supplementary insurance for malignant diseases or health insurance for insorption treatment (Wiener Doctors).
I can put money on savings account only?
If you have life insurance, then you are sure that your loved ones will receive the insured sum in case something happens to you. This is not the case with a bank savings account.