Life, critical disease and accident insurance
If you're the main or partial breadwinner, insurance is valuable to protect your finances and family. It's especially important if you have credit obligations. This insurance ensures your financial burden is minimized.
One life insurance
for all cases
By concluding an ERGO life insurance contract, you will take care of the needs of the whole family: life insurance can provide financial protection in the event of the death of the insured person, as well as in the event of loss of income due to disability or additional expenses in the event of accidents and serious illnesses.
One contract for the whole family (partners)
One of the parents may be the main insured person and include the spouse, partner and children covered by additional insurances in the insurance contract.Favourable conditions for insurance against critical illnesses
For adults, we have a broad cover of critical illnesses. You can choose the desired option from the list of 39 diseases. You can insure children with insurance against critical illnesses (14 diseases) from the age of 2.Income in the event of loss of working capacity
A lump-sum benefit will be paid to a person of working age in the event of loss of working capacity as a result of illness or accident.Comprehensive accident insurance
Accident insurance, which includes death, disability, injury, routine medical care, additional care insurance coverage, may be taken out from birth. From the age of 18, per diem insurance may be additionally included.Additional assistance
In addition to the accident insurance, additional assistance insurance coverage may be purchased: the costs of transportation, diagnostic or radiological examinations, wound dressings, orthopaedic equipment, psychologist or burial related to the insured event are reimbursed, as well as benefits for acute illnesses are paid out.What we can insure against?
Risk life insurance
This life insurance is intended for individuals or families who have financial obligations and want to secure financial protection in the event of an accident. For those who have insured themselves and their loved ones, life insurance will help avoid financial worries in the event of death. If it is not relevant to save and invest or you want to choose insurance coverage in a separate contract, this insurance is for you.
Insurance against incapacity for work
Unexpected life challenges can strike at any time, and the loss of working capacity affects the ability to support loved ones and ensure the former level of income. In this case, we will make sure that you do not have to experience financial worries.
Insurance against cancer and other critical illnesses
The number of cancer cases worldwide is increasing every year and may become the leading cause of death in the future. But it’s still a topic we avoid talking about. We want to change this attitude, so we have created cancer insurance with extra coverage. Critical illness insurance may provide more treatment options and cover day-to-day expenses.
Long-term accident insurance
Health is the most precious asset, so it is important to take care of your well-being and that of your family. Accident insurance is particularly relevant for young people who are active in leisure activities, play sports and enjoy spending time in nature. This insurance covers a person from birth to 69 years of age and the coverage is valid until 70 years of age.
ERGO Life insurance for Luminor bank customers
It is an insurance service intended for individuals or families who seek to secure financial protection in the event of an accident, who wish to insure their lives and those of their loved ones and/or receive benefits in case of incapacity for work or illness. The premiums under this insurance are not intended for investment or accumulation. You can choose the duration of the insurance and the desired (one or more) insurance coverages: life insurance, insurance of incapacity for work and insurance against cancer and other critical illnesses.
What we can insure against?
This life insurance is intended for individuals or families who have financial obligations and want to secure financial protection in the event of an accident. For those who have insured themselves and their loved ones, life insurance will help avoid financial worries in the event of death. If it is not relevant to save and invest or you want to choose insurance coverage in a separate contract, this insurance is for you.
Unexpected life challenges can strike at any time, and the loss of working capacity affects the ability to support loved ones and ensure the former level of income. In this case, we will make sure that you do not have to experience financial worries.
The number of cancer cases worldwide is increasing every year and may become the leading cause of death in the future. But it’s still a topic we avoid talking about. We want to change this attitude, so we have created cancer insurance with extra coverage. Critical illness insurance may provide more treatment options and cover day-to-day expenses.
Health is the most precious asset, so it is important to take care of your well-being and that of your family. Accident insurance is particularly relevant for young people who are active in leisure activities, play sports and enjoy spending time in nature. This insurance covers a person from birth to 69 years of age and the coverage is valid until 70 years of age.
It is an insurance service intended for individuals or families who seek to secure financial protection in the event of an accident, who wish to insure their lives and those of their loved ones and/or receive benefits in case of incapacity for work or illness. The premiums under this insurance are not intended for investment or accumulation. You can choose the duration of the insurance and the desired (one or more) insurance coverages: life insurance, insurance of incapacity for work and insurance against cancer and other critical illnesses.
Why to choose ERGO insurance?
We can insure several persons with one contract.
For your convenience, you can make payments monthly, quarterly, semi-annually or annually.
If you have obligations to the bank, you can choose a variable sum insured that gradually decreases.
We may change the beneficiary during the term of the contract.
Frequently asked questions about life insurance
ERGO life insurance is a non-cumulative life insurance covering only against the risk of death (sometimes referred to as risk insurance). The sum insured is paid if the insured person dies due to illness or is killed during the insurance period. This service is mostly chosen by our customers who have financial obligations and care for their loved ones. Life insurance is the best solution to financially protect yourself and your family.
The life insurance benefit is paid in the event of the death of the insured person due to illness or accident during the period of validity of the insurance coverage, with the exception of non-insurable cases specified in the rules (e.g. due to military operations, the introduction of war or a state of emergency, internal unrest and nuclear power, and suicide during the first three years of coverage).
In the event of death, the insurance benefit will reach the beneficiaries much more quickly if you designate a beneficiary – one or more specific persons (the term beneficiary is used in case of death) to whom the amount of the life insurance will be paid out in instalments specified by you. The insured person may appoint the beneficiary when concluding the contract and change it before the insured event by notifying the insurer in writing. If no other beneficiary is appointed or in the event of the death of a minor, the benefit is paid to the insured person’s heirs in accordance with the Civil Code, who will be named by a notary public at the end of the inheritance process.
An adult may designate a beneficiary in writing (through the self-service portal or by filling in a form provided by the insurer). Beneficiary in the case of a minor insured person are heirs under the Civil Code, as regulated by national law.
