Additional insurance covers that you can choose

With additional critical illness insurance, upon diagnosis of one of the diseases listed below, you will receive a one-time payment equal to the amount of this additional insurance. We offer several options for this additional insurance based on different lists of critical illnesses. The insurance coverage takes effect three months after the start of the additional critical illness insurance. If one of the parents is insured with the extended list of diseases, two minor children born in the family and/or adopted can be insured at the same cost.

Critical illnesses according to the basic critical illness list (applicable when the insured is aged 18–65):

• Myocardial infarction;
• Cerebral infarction (stroke);
• Cancer;
• Kidney failure;
• Organ transplantation;
• Coronary artery bypass surgery;
• Heart valve replacement;
• Loss of limbs or loss of limb function;
• Third-degree burns;
• Blindness;
• Multiple sclerosis.

Critical illnesses according to the extended critical illness list (applicable when the insured is aged 18–65):

• Myocardial infarction;
• Cerebral infarction (stroke);
• Cancer;
• Kidney failure;
• Organ transplantation;
• Coronary artery bypass surgery;
• Heart valve replacement;
• Loss of limbs or loss of limb function;
• Third-degree burns;
• Blindness;
• Multiple sclerosis;
• Aortic surgery;
• Alzheimer’s disease;
• Benign brain tumor;
• Coma;
• Deafness;
• Loss of speech;
• Parkinson’s disease;
• Viral encephalitis;
• Work-acquired HIV infection;
• Severe sepsis;
• Infective endocarditis;
• Severe Crohn’s disease;
• Cardiomyopathy;
• Bacterial meningitis;
• Severe head injury;
• Primary pulmonary arterial hypertension;
• Tetanus;
• Creutzfeldt-Jakob disease;
• Muscular dystrophy;
• Systemic lupus erythematosus;
• Brain abscess;
• Rabies;
• Motor neuron disease;
• Severe liver disease;
• Gas gangrene;
• Aplastic anemia;
• Neuroborreliosis;
• Severe lung disease;
• Systemic scleroderma;
• Vegetative state.

Critical illnesses according to the list for children (applicable when the insured is aged 1 month – 18 years):

• Cancer;
• Viral encephalitis;
• Bacterial meningitis;
• Insulin-dependent diabetes;
• Blindness;
• Deafness;
• Coma;
• Benign brain tumor;
• Loss of limbs or paralysis (loss of limb function);
• Organ transplantation;
• Kidney failure;
• Aplastic anemia;
• Brain abscess;
• Severe head injury;
• Neuroborreliosis;
• Severe sepsis;
• Motor neuron disease;
• Severe liver disease;
• Third-degree burns;
• Poliomyelitis;
• Rabies;
• Tetanus.

Ensure that an unexpected event does not compromise your family's financial stability. By taking out insurance, in addition to the main life insurance coverage, you can also choose this additional death due to accident insurance protection. In the event of an insured event, the death due to accident insurance amount and the life insurance amount will be paid out to the beneficiaries you designate in the insurance contract.

Important information about the additional death due to accident insurance:

• The insured event is an accident that results in the insured's death.
• The insurance amount is paid out once.
• The death due to accident insurance amount cannot exceed the life insurance amount.

By purchasing additional accident injury insurance, you will receive a payout in the event of an insured event, with the amount depending on the severity of the injury. The insurance payout will be equal to a certain percentage of the insured sum. The insured event is an injury to the insured's body resulting from an accident.

Injuries can range from mild to severe, but some injuries can have lifelong consequences. During such times, the last thing you want to think about is financial burden. We offer the option to take advantage of our additional disability insurance for accidents. In the event of an insured incident during the validity of the insurance contract and if permanent disability is determined, you would receive a one-time insurance payout, which would depend on the severity of the disability and be equal to a certain percentage of the insurance sum. The insured event is the injury of the insured person's body due to an accident, provided that the consequence of the injury is permanent disability of the insured.

If you completely lose your ability to work (75% or more) due to an injury or illness, you will receive a one-time payment equal to the sum of this additional insurance that you choose when entering into the contract. The insurance coverage is valid until the age of 65.