Put some more effort into your carefree future
We always need a friend to share our joy and take our disquiet away. When facing a difficult path, it is crucial to stay brave and strong, and focus our energy on recovery. Only a true friend is always by your side and supports you at most difficult times.
Insurance of Persons against Critical Illnesses and Surgical Interventions may be concluded irrespective of the insured’s status under the Compulsory Health Plan. As a protective measure, this type of insurance allows you to be responsible to yourself and others, and take control in shaping your future. In addition, this insurance is intended for all employers who, in this way, enable their employees to enjoy additional safety in their everyday lives.
By concluding the contract on Insurance of Persons against Critical Illnesses and Surgical Interventions, the Insured is allowed to receive pecuniary compensation not provided for under the Compulsory Health Plan, in the event of:
- critical illnesses first occurred and diagnosed during the agreed insurance period;
- surgical interventions made during the agreed insurance period, provided that the need for them first arose during the insurance period.
Insurance against the risk of cancer – Cancer protection
Cancer Protection represents a new generation of critical illness insurance and includes a single payment of the sum insured in the event that during the insurance period the insured person is diagnosed with cancer:
- in the event of establishment of initial diagnosis of non-invasive cancer, 15% of the sum insured will be paid, and the insurance will continue to be valid only in case the insured person is diagnosed with invasive cancer;
- in the event of establishment of initial diagnosis of invasive cancer, 100% of the sum insured will be paid, and the insurance will terminate.
Additional benefit of this insurance is medical second opinion service which, according to the Insurance Terms and Conditions, may be used more than once during the insurance period.
Second Medical Opinion service for our insureds is ensured by MediGuide company.
Important questions
Who are insurance policies for support in treating critical illnesses intended for?
Insurance may be taken out by any person who expresses a wish to conclude the insurance contract with the insurer. Insurance of persons against critical illnesses and surgical interventions may be concluded as individual and group insurance. Group insurance is concluded according to the policyholder`s records, for all employees, organisation members, etc.
Determining insurance premium and payment method in insurance of persons against critical illnesses and surgical interventions?
Amount of the insurance premium depends on the method of contracting, selected sums insured to which the coverage is written, scope of cover, and other parameters determined by the Insurer. Premium is paid within the period determined in the insurance contract or policy.
Exercising rights arising from the contract on insurance of persons against critical illnesses and surgical interventions?
Upon occurrence of the event insured against, the Insurer pays out the sum insured or a percentage thereof agreed for the illness first occurred and diagnosed during the insurance period (myocardial infarction, cerebral infarction, malignancy, lyme disease, etc.), and/or the sum insured or a percentage thereof agreed for surgical intervention performed on the insured during the insurance period, provided that the need for surgical intervention arose during the insurance period. The contractually agreed sums insured represent the limit of Insurer’s liability.
What is the amount of the sum insured in Cancer Protection Insurance?
The amount of the sum insured is predetermined and may amount to 500.000, 1.000.000, 3.000.000, or 5.000.000 Dinars.
Are there any exclusions of insurer’s liability in Cancer Protection Insurance?
Pre-existing condition represents the grounds for the exclusion of the Insurer’s liability to pay the sum insured or its part, in the event of:
- any form of tumour, cancer, leukaemia, lymphoma, pathological changes on the skin or moles which have bled, become painful, changed in colour or increased in size, or
- colon polyposis, inflammatory bowel disease (Crohn disease or ulcerative colitis), polycystic kidney disease, benign breast disorders, asbestosis, any form of hepatitis or liver cirrhosis.
The Insured person, who is confirmed to have suffered from a pre-existing condition, is entitled to the Medical Second Opinion service.
This text is for information only. More detailed information and a proposal tailored to your needs are available at all points of sale of the Company or by calling 0800 386 286 free of charge.
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