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Terms and conditions

Cookie notice

In order to improve your user experience when viewing the website of Wiener Städtische životnog osiguranje AD Podgorica, hereinafter referred to as Wiener Städtische životno osiguranje

we take this opportunity to inform you that this website stores a small amount of information on your computer called cookies. By using you agree to their use. If you decide to block cookies, you will still be able to browse the website, but some of its functionalities will not be available to you.

What are cookies?

Cookies are text files composed of a string of characters that are stored on your computer by Internet sites you visit.

Cookies allow the site to display information tailored to your needs. They usually save your session token and website settings. After visiting the same page again, the internet browser sends back the cookies that belong to it.

Cookies also allow us to track traffic and traffic to our website (using Google Analytics and similar tools). All information collected in this way by cookies is accumulated and is anonymous and is not shared with any other entities.

All this information can only be saved if you allow it – websites cannot access information that you did not give them and they cannot access other files on your computer.

How to turn off cookies?

Cookie settings are related to your Internet browser. The use of cookies is your choice, and you can always delete cookies, thus excluding your identity on the Internet. You can set most browsers not to store cookies.

If you want to delete cookies, please see the instructions of your internet browser by clicking on “Help” in the menu of the same browser.

More information

You can read more about cookies at: HTTP Cookies, and read more about the law that regulates their use at the European Union level at the link: EU Cookie Law. The links provided are in English.


The content of this website is the property of the joint stock insurance company “Wiener Städtische životno osiguranje AD Podgorica”

The data and other content of this website are subject to regulations and protection in the field of copyright and other related rights and other relevant regulations, which protect intellectual property rights. Any unauthorized copying, use and use of the data and content of this website is prohibited.

Wiener Städtische životno osiguranje strives to ensure the authenticity and up-to-dateness of the information contained on this website, but does not assume any responsibility for any errors and omissions in the use of data and content of this website or any damage resulting from the aforementioned errors and omissions. The comments published on this page do not represent the opinion of the Company. Users of this website view and use the content of this site for their personal needs and solely at their own risk.


Wiener Städtische Life Insurance will endeavor to protect this website from viruses and other malicious and harmful software, but does not guarantee their complete absence. In this regard, it directs the users of this website to take the necessary protection measures, such as e.g. use of own antivirus programs.

In the event of changes in applicable laws and regulations, changes in relevant market conditions or other changes in the conclusion of insurance contracts, Wiener Städtische Life Insurance will make the necessary changes to these Terms of Use. In any case, Wiener Städtische life insurance reserves the right to change the content of these conditions at any time and without prior notice, subject to their publication on the company’s website.


This website uses Google Analytics, an Internet analytics service provided by Google Inc. (“Google”). Google Analytics uses the so-called. cookies, text files that are stored on your computer and that allow the analysis of your use of the website The information generated by the cookie about how you use this site (including your IP address) is sent to Google and stored there. Google may use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information in agreement with Google.

Under no circumstances will Google associate your IP address with other Google data. You can prevent the installation of cookies.