In cooperation with the Generali insurance company, SKB offers additional security to borrowers of consumer loans in case of death or permanent/temporary incapacity for work.

Additional security

For the borrower and his/her heirs

payment of the remaining portion of the loan in the event of permanent total incapacity for work or death.

Various types of coverage

3 insurance coverages

in the case of death, permanent total incapacity for work and temporary total incapacity for work.

Taking out the insurance policy is quick and easy

Take out an insurance policy

without filling out a health questionnaire and regardless of the gender and age of the borrower.


Life can surprise you with an unfortunate event that can affect your ability to repay a loan. A Life insurance is a guarantee that you will be able to repay your loan by yourself, no matter what life throws at you.


To stipulate a life insurance policy for a borrower of a consumer loan, you will need the following:

  • identity document (passport or identity card),
  • consumer loan contract,
  • personal account with SKB.



You are only eligible for insurance:

  • if you are at least 15 years old and not older than 60 at the date of signing the application form,
  • if you have stipulated a consumer loan contract,
  • if you have been gainfully employed for a period of at least 12 months and have not been absent from work for more than 30 consecutive days over the last 12 months due to illness or injury, prior to the date of stipulation of the insurance policy.




The sums are limited upwards by:

The repayment of the remaining housing loan debt (up to EUR 250 000), should one of the following events occur:

  • the death of the borrower - with this insurance coverage, in the event of the death of the insured person (borrower) during the insurance period, the insurance company undertakes to pay a sum equal to the remainder of the debt in the remaining amount for payment from the credit agreement on the day of the death of the insured person. The insurance company provides coverage in the event of death,
  • total and permanent incapacity for work as a result of illness or injury - with this insurance coverage, the insurance company undertakes to pay an amount equal to the remainder of the debt deriving from the credit agreement, in the event of an illness or injury suffered by the insured person during the insurance period, resulting in total and permanent incapacity for work, on the date when the insured person’s category I disability was confirmed by the Pension and Disability Insurance Institute of Slovenia.

The repayment of monthly housing loan annuities (up to a maximum of EUR 1,500 per annuity) if the following insured event occurs:

  • temporary total incapacity for work as a result of illness or injury suffered by the insured person (borrower) during the insurance policy period, resulting in temporary total incapacity - the insurance company undertakes to pay the beneficiary a monthly sum equal to the monthly installment of the loan (which includes a portion of the principal and the interest) for the duration of the temporary total incapacity. The insurance coverage for temporary total incapacity begins only after the expiry of the exclusion period after the occurrence of the insured event for a period of 60 days.


The insurance premium is payable in monthly, quarterly, half-yearly or yearly installments via direct debit of a personal account held with SKB.


Make an appointment with an individual relationship officer

Your individual relationship officer will wait for you in the outlet on the agreed upon date and time. 
With his help, you will be able to arrange everything quickly and easily.

Make an appointment or Send an inquiry

Frequently asked questions

How do I choose the right personal insurance for me?

Personal safety should not depend on unforeseen events and luck. When deciding on the right personal insurance for you, you have to follow all the necessary steps carefully, as this is the only way to

ensure you are really protected.
Creating your own personal financial security strategy can be compared to building a house. You need to start at the foundation, but you must not skip any of the intermediate stages if you want your house to be stable and firm.


First and foremost, you need to protect your financial security in order to protect yourself and your loved ones from any loss of income due to unforeseen events. This is particularly important if you are a borrower, because by purchasing the right life insurance, you can protect your loved ones, and make sure that you can actually repay your loan yourself, no matter what happens in your life. 

Choosing the right life, accident and health insurance products can give you a high level of security:


By upgrading your basic protection, you can save additional funds that you will need in the future.

Classic life insurance offers the option of a basic upgrade that you can add to your basic protection. This type of insurance gives you the security of a guaranteed payout in the form of the sum insured. Therefore, it doesn’t represent an investment risk, which means you can use it as a long-term form of savings, which in addition to security provides you with a guaranteed payout after the end of the savings period and a tax advantages.


What is the impact of saving in funds on social transfers?

We often hear excuses from young parents that they don’t save because their savings would push them into a higher income class and they would receive a lower child allowance per month as a result. The reason for the decision against saving is generally unfounded because such savings are taken into account only in the form of fictitious interest.


Where can I get help and additional information?

Information on the possibilities of saving in funds can be obtained at the SKB Bank outlet or by calling the Call Centre at 01 471 55 55, where you will arrange an appointment in the selected outlet.


How do I start saving in AMUNDI or MOOREA funds?

Would you like to start saving in funds but don't know how?


Why choose saving under the Moorea Fund savings plan?

The Moorea Fund savings plan is concluded for a period of 5 years with automatic renewal for the same period.

Investments under the Moorea Fund savings plan are available at no entry or exit loads.

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whom you trust your finances

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  • Part of OTP Group, one of the biggest and most stable financial services providers in Central and Eastern Europe.
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