Investment life insurance

By taking out additional critical illness insurance, if you are diagnosed with one of the diseases listed below, you will receive a one-time payout 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 begins three months after the start of the additional critical illness insurance, meaning that during the first three months of the insurance contract, if you fall ill with any of the critical illnesses according to your chosen list, the insurance payout will not be made. If one parent is insured under an extended list of illnesses, two minor children born and/or adopted within the family can be insured at the same cost.

Critical illnesses according to the main critical illness list (applicable when the insured is 18–65 years old):

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

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

• Myocardial infarction;
• Cerebral infarction (stroke);
• Cancer;
• Kidney failure;
• Organ transplantation;
• Coronary artery bypass surgery;
• Heart valve replacement;
• Loss of limbs, 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;
• Occupational 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;
• 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 critical illness list for children (applicable when the insured is 1 month – 18 years old):

• Cancer;
• Viral encephalitis;
• Bacterial meningitis;
• Insulin-dependent diabetes;
• Blindness;
• Deafness;
• Coma;
• Benign brain tumor
• Loss of limbs, 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 jeopardize your family's financial stability. By taking out this additional death due to accident insurance, you can complement your main life insurance coverage. In the event of an insured incident, both the death due to accident insurance amount and the life insurance amount will be paid to your designated beneficiaries as specified in the insurance contract. 

Important information about the additional death due to accident insurance:

• The insured event is an accident that results in the death of the insured;
• The insurance amount is paid out in one lump sum;
• 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 incident, with the amount depending on the severity of the injury. The insurance payout will be equal to a certain percentage of the insurance amount. The insured event is an injury to the insured's body caused by 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 additional disability insurance for accidents. In the event of an insured incident during the validity of the insurance contract and upon confirmation of permanent disability, 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 amount. The insured event is an injury to the insured's body caused by an accident if the consequence of the injury is the insured's permanent disability.

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