Life insurance MOJ ŽIVLJENJSKI KASKO

High protection coverage in the event of death. In the event of your death, the benefit is paid to your beneficiary. Your loved ones will be able to use the money to pay off loans, send children to school and cover everyday living expenses.

The sum insured in the event of death can be determined based on the needs identified at the time the insurance is taken out, so it is the highest in the first year of the insurance and adjusted according to the identified needs in all future years. The final sum insured is at least equal to the amount of the death benefit payable to the estate.

If your life circumstances change before you reach the age of 45 (marriage, taking out a new loan, promotion, birth of a child), your sum assured on death will be increased by 30% for four months free of charge.

If you are seriously injured and become partially or totally disabled, the insurance company can help you adapt to your new situation by paying up to 300% of the sum assured.

Additional coverage can be added, depending on your needs and life situation.

Specialists with Assistance provide assistance services to guide you through the treatment process and the following coverage:

• Halo Doktor – an immediate video call (usually within 15 minutes) or a telephone consultation (at the agreed time) with a GP or a family doctor.
• Specialist therapies and complex diagnostic tests, with no limitation on the number, price and lists of medical services, only up to the annual sum insured (fast access to specialists, usually within 10 days).
• Second medical opinion by established doctors abroad to help you dispel any doubts about your diagnosis or recommended therapy. Your immediate family members are also eligible.
• Preventive check-ups and tests to keep you healthy (for people aged 15 and over).
• Rehabilitation, including: a plan of treatment, physiotherapy and psychological support.
• Operations (with or without overnight stay), with a choice of a narrower or wider package of cover.
• “White prescription” medicines prescribed by a doctor as part of a specialist examination, test or procedure.

 
Additional coverage can be added, depending on your needs and life situation.

Preventive health service: includes various DNA analyses with personalised advice and prevention recommendations.
 

If you suffer from a serious illness (cancer, stroke, heart attack, etc.), the payout helps you to get therapy or adapt to a changed lifestyle. Your children aged 1 to 20 are also covered for free for certain critical illnesses.
If you develop a cardiovascular disease, cancer, a disease with permanent consequences or a serious injury, the insurance company will pay you a lump sum benefit (90% immediately and 10% at the end of this coverage) once the disease has been diagnosed. Pre-invasive cancers are also included in the Cancer group (15% of the agreed sum insured is paid). You can receive payments for different disease groups up to four times. A child critical illness rider is also possible for your children from 1 to 20 years of age for certain conditions, free of charge.

1. CARDIOVASCULAR DISEASES
•    Myocardial infarction (heart attack)
•    Coronary artery bypass surgery
•    Heart valve surgery
•    Aortic surgery
•    Stroke
•    Coronary angioplasty
•    Primary pulmonary hypertension
•    Aplastic anaemia
 
2. CANCERS
•    Cancer
•    Pre-invasive cancer (carcinoma in situ)
•    Benign brain tumour

3. SERIOUS INJURIES AND ILLNESSES
•    Blindness
•    Major burns
•    Paralysis
•    Head injury
•    Tuberculosis
•    Typhus
 
4. DISEASES WITH PERMANENT CONSEQUENCES
•    Renal failure
•    Major organ transplant
•    Multiple sclerosis
•    Coma
•    HIV
•    Alzheimer’s disease
•    Parkinson’s disease
•    Acute viral encephalitis
•    Bacterial meningitis
•    Primary pulmonary hypertension
•    Aplastic anaemia
 

In case of severe consequences due to an injury, the agreed monthly annuity is paid based on the degree of permanent disability.
•    Accident annuity for over 50% permanent disability

If an accident injury is permanent and your disability is assessed at more than 50%, the agreed monthly annuity is paid for up to 20 years.
•    Accident annuity for over 25% to 50% permanent disability

If an accident injury is permanent and your disability is assessed at more than 25% to 50%, the agreed monthly annuity is paid for up to 20 years.
If accident annuity payments start in one of the above cases, the coverage for the other remains in force. Both accident annuities can be inherited – in the event of death, the beneficiary will be receiving the same annuity for the remainder of the term.

Additional coverage can be added, depending on your needs and life situation.

• Bone fracture: the insurance company pays the benefit according to the percentage shown in the Bone Fracture Table.
• Daily allowance: compensation for when you cannot do your job due to an accident.
• Hospitalisation daily allowance: payment for each day spent in the hospital due to an accident.
• Exemption from premium payment in case of permanent disability: in case of permanent disability, you are exempt from further premium payments (does not apply to Specialists with Assistance coverage).
• Accidental death: the insurance company pays the sum of the death benefit and the accidental death benefit to the beneficiary.
• Death in a car accident: if you die as a result of a car accident within 1 year of the accident, the insurance company will additionally pay the beneficiary the benefit for death in a car accident.