Investment life insurance

By purchasing additional critical illness insurance, if 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 critical illness lists. The insurance coverage takes effect 3 months after the start of the additional critical illness insurance. If one parent is insured under the extended list of diseases, two minor children born and/or adopted in 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 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 18–65 years old):

• 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-related HIV infection
• Severe sepsis
• Infectious endocarditis
• Severe Crohn's disease
• Cardiomyopathy
• Bacterial meningitis
• Severe head injury
• Primary pulmonary arterial hypertension
• Tetanus
• Creutzfeldt-Jakob disease
• Muscular dystrophy
• Lupus
• 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 children's critical illness list (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 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 burden your family’s financial stability. By taking out this insurance, alongside the primary life insurance coverage, you can also choose this additional accidental death insurance coverage. In the event of an insured incident, the accidental death insurance sum and the life insurance sum will be paid to the beneficiaries you designate in the insurance contract.

Important information about additional accidental death insurance:

• The insured event is an accident that leads to the death of the insured.
• The insurance sum is paid out as a one-time payment.
• The accidental death insurance sum cannot exceed the life insurance sum.
• If the insured's death is caused by an accident, the beneficiaries will receive both the accidental death insurance sum and the life insurance sum.

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

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

If you completely lose your ability to work (75% or greater) 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 you are 65 years old.