Create an insurance plan that fits your needs
1. Create an insurance plan that fits your needs
2. Answer questions
3. Sign agreement
Life insurance cover
How it works
If you pass away from an illness or accident, the sum insured will go to the people you've chosen – your beneficiaries. If you don't set beneficiaries, the money will go to your heirs.
For more details and exclusions, see the cover's terms and conditions. For other relevant information, see the key information document.
What should the sum insured be?
It’s generally recommended to select a sum insured that covers at least 2–3 years of your net income.
The payout can help your loved ones cope financially after you're gone.
Light trauma cover
How it works
If you're in an accident that results in minor injuries – such as fractures or dislocations – you'll receive an insurance payout.
The payout amount depends on the sum insured and the severity of the injury. It will be a percentage of the sum insured.
As an example, if you choose a sum insured of €20 000, you’ll receive:
- €200 for a fractured toe (1% of the sum insured)
- €1000 for a fractured ankle (5% of the sum insured)
- €3000 for a fractured skull (15% of the sum insured)
For more details – including covered injuries, payout percentages, and exclusions –, see the cover's terms and conditions. For other relevant information, see the key information document.
What should the sum insured be?
You can select a sum insured between €10 000 and €40 000. When deciding, consider your income, state social insurance, and any private health insurance you have.
The payout can help with medical bills or other unexpected expenses.
Permanent trauma cover
How it works
If you’re in an accident that results in permanent bodily harm, you'll receive an insurance payout.
For example, you’ll receive a payout if an arm fracture causes permanent damage that leaves you unable to move your fingers or use your hand.
Keep in mind that the insurance only covers injuries resulting from an accident.
The payout amount depends on the severity of the injury. It will be a percentage of the sum insured.
As an example, if you choose €50 000 as the sum insured, you’ll receive:
- €10 000 for loss of thumb (20% of the sum insured)
- €25 000 for loss of sight from one eye (50% of the sum insured)
- €50 000 for loss of vision (100% of the sum insured)
For more details – including covered injuries, payout percentages, and exclusions –, see the cover's terms and conditions. For other relevant information, see the key information document.
What should the sum insured be?
It’s generally recommended to select a sum insured that covers 2–3 years of your net income, plus any additional treatment costs not covered by state social insurance or private health insurance.
The payout helps with medical bills or adjusting to your new circumstances. This may include home modifications such as installing a ramp or medical aids, changing careers to suit your abilities, rehabilitation, or long-term care.
Critical illness cover
How it works
If you get diagnosed with a life-threatening illness – such as cancer, heart attack, stroke, or kidney failure – you'll receive the sum insured.
Just keep in mind that coverage begins 90 days after you sign the agreement.
For more details – including covered illnesses and exclusions –, see the cover's terms and conditions. For other relevant information, see the key information document.
What should the sum insured be?
It’s generally recommended to select a sum insured that covers 1–2 years of your net income, plus any additional treatment costs not covered by state social insurance or private health insurance.
The payout can help with a temporary loss of income or rehabilitation costs so you can focus on your recovery.
Total and permanent disability cover
How it works
If you suffer an irreversible loss of ability to work because of an illness or accident, you'll receive the sum insured.
Incapacity for work is determined by the state.
Examples of irreversible loss of ability to work:
- A stroke causing permanent impairment of movement and speech
- A serious car accident resulting in multiple fractures and brain injury, leading to lasting pain, mobility issues, and inability to work
For more details – including exclusions –, see the cover's terms and conditions. For other relevant information, see the key information document.
What should the sum insured be?
It’s generally recommended to select a sum insured that covers 3–5 years of your net income, plus any additional treatment costs not covered by state social insurance or private health insurance.
The payout can help with medical bills or adjusting to your new circumstances. This may include hiring help or getting family support to continue daily activities, home modifications such as installing a ramp or medical aids, rehabilitation, or long-term care.
Accidental death cover
How it works
If you pass away from an accident, the sum insured will go to the people you've chosen – your beneficiaries. If you don't set beneficiaries, the money will go to your heirs.
For more details – including exclusions –, see the cover's terms and conditions. For other relevant information, see the key information document.
What should the sum insured be?
For life insurance in general, it's recommended to select a sum insured that covers 3–5 years of your net income.
The accidental death cover payout can help your loved ones cope financially during the initial adjustment period after your passing.
What should I do in case of an insurance event?
- Fill in the notice form for the insured event
- Submit the required documents
- Receive an insurance benefit
More detailed information about Personal insurance
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