Risk life insurance

Comprehensive insurance coverage

Insurance for the whole family

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.

You can choose the sum insured for your life insurance that you want to cover in case of an accident. But if you already have life insurance or other protections are more important to you (critical illness insurance, accident insurance of insurance against incapacity for work), we will help you complete the desired protections. This protection package is a puzzle of the protections that are important to you, which combines your various insurance needs into one contract: each person you insure has different wishes, so there may be different insurance coverage, amount and duration of protection.

In the offer provided to you, you will see the price for each person and each chosen insurance for this year (or month) and for the entire contract period – you will know the insurance price in advance.

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Why to choose ERGO insurance?

Life insurance in the event of death

Non-term life insurance covers the risk of death. If you have obligations to a bank, you can choose a variable sum insured, which gradually decreases.

One contract for the whole family

You can include yourself and/or your relatives in the insurance contract, without limiting the number of insured persons in one contract.

Comprehensive accident insurance package

Persons from the age of 0 years may be covered by accident insurance, which includes death, disability, injury, medical benefits, additional assistance insurance coverage. Persons from the age of 18 years can additionally choose daily allowance.

Favourable conditions for insurance against cancer and critical illnesses

You can choose to be insured against cancer and other critical illnesses (cancer, myocardial infarction, cerebral infarction/stroke, multiple sclerosis).

Insurance against full incapacity for work

If the insured person becomes incapacitated due to an insured event, the insurance amount of this person that was valid on the day of the insured event is paid out. An insured event is considered to be the case when the insured person irreversibly loses three-quarters of participation (capacity for work).

Life insurance in the event of death

Non-term life insurance covers the risk of death. If you have obligations to a bank, you can choose a variable sum insured, which gradually decreases.

One contract for the whole family

You can include yourself and/or your relatives in the insurance contract, without limiting the number of insured persons in one contract.

Comprehensive accident insurance package

Persons from the age of 0 years may be covered by accident insurance, which includes death, disability, injury, medical benefits, additional assistance insurance coverage. Persons from the age of 18 years can additionally choose daily allowance.

Favourable conditions for insurance against cancer and critical illnesses

You can choose to be insured against cancer and other critical illnesses (cancer, myocardial infarction, cerebral infarction/stroke, multiple sclerosis).

Insurance against full incapacity for work

If the insured person becomes incapacitated due to an insured event, the insurance amount of this person that was valid on the day of the insured event is paid out. An insured event is considered to be the case when the insured person irreversibly loses three-quarters of participation (capacity for work).

Frequently asked questions about life insurance

The life insurance benefit is paid out in the event of the death of the insured person due to illness or accident, with the exception of non-insurable cases specified in the rules, more information on them is available here. In the event of death, the insurance benefit will reach the beneficiaries much more quickly if you designate one beneficiary or several specific beneficiaries. They may be appointed when concluding the contract and changed before the occurrence of an 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.

Risk life insurance