Protections

LIFE LOSS

As a result of an accident or illness, the insurer completely pays off the residual debt on the loan and, depending on the situation, pays to the heirs of the insured the already paid by him loan installments by the time of the event.

PERMANENT DISABILITY/ LOSS OF OPERATION 

As a result of an accident or illness, the insurer repays the original loan amount by paying the remaining debt to TBI Bank and the insured receives the difference up to the original loan amount (the money already paid by him).

TEMPORARY WORK INCAPACITY 

In case of incapacity for work as a result of an accident or illness over 30 days, the insurer repays the residual debt on the loan at one time or in installments - up to 4 installments, depending on the remaining amount of the loan due and the duration of the incapacity for work.

UNWANTED UNEMPLOYMENT

As a result of the redundancy, the insurer fully repays the residual loan obligation at one time or in installments - up to 4 installments, depending on the remaining amount of the loan due and the duration of unemployment.

HOSPITALIZATION

In case of hospitalization for more than 30 days as a result of an accident, the insurer repays the residual loan obligation up to 4 installments depending on the length of hospitalization. Each installment is 25% of the loan balance.

PROTECTION OF PURCHASES AND GOODS

In case of theft, fire, etc. unforeseen events depending on the degree of damage to the goods, the insurer pays: the balance of the loan to TBI Bank, and the difference to the value of the product is being transferred into the account of the insured; 50% of the price of the goods is being transferred to the insured  (in case of partial damage to the goods).

TAKING CARE OF A SICK PERSON 

In case the insured person has to take a long-term sick leave in order to take care of a sick relative (over 30 days), the insurer repays the residual debt on the loan in the form of installments - up to 4 installments, depending on the duration of the incapacity for work.

SECOND MEDICAL OPINION

This exclusive innovative service enables the insured to receive a medical opinion on their health status and a recommendation for follow-up treatment within 10 days by an international team of close specialists in the relevant medical field.

PROTECTION OF ACCOUNTS

In this protection, in the event of unforeseen life situations, the insurer pays in a single installment or in installments fixed sums to the insured, helping him to maintain his standard of living and peace of mind during this financially difficult period.