by covering the payment of the remaining loan in the event of permanent total incapacity for work or death.
in the event of death, permanent total incapacity for work, in the event of temporary total incapacity for work and in the event unemployment
without a medical examination, the premium does not depend on the borrower's gender and age.
Life can also surprise you with an unpleasant event that can affect your ability to repay a loan. Life insurance for borrowers is a guarantee that the loan will be repaid regardless of what happens in your life.
If you die of any reason, the insurance company will settle the remaining debt under your loan agreement on your behalf.
If you become permanently and completely incapable for work due to an accident and have had a category I disability established, the insurance company will settle the remaining debt under your loan agreement on your behalf.
If you become temporarily totally incapable for work due to an illness or an accident, the insurance company will settle the monthly loan installments on your behalf (up to 6 monthly loan installments for each insured case). Exclusion period: 30 days after the occurrence of the contingency.
If you become unemployed, the insurance company will settle your monthly loan installments on your behalf during the period of your unemployment (up to 6 monthly loan installments for each contingency). Waiting time: 90 days after the taking out of the insurance Exclusion period: 30 days after the occurrence of the contingency.
V primeru, da zaradi nezgode utrpite 100% telesno okvaro, zavarovalnica namesto vas poravna preostali dolg kredita vse do višine 250.000 EUR.
If you want to take out life insurance for a consumer loan, you will need:
You can take out insurance if:
The packages differ in terms of the number of included insurance covers:
| Extended package |
|---|
|
Death from any cause |
|
Permanent total incapacity for work due to an accident |
|
Temporary total incapacity for work due to an illness or accident (sick leave) |
|
Unemployment |
| Retirement package* |
|---|
|
Death from any cause |
|
Permanent total incapacity for work due to an accident |
*If you are receiving a pension or are older than 65 when you take out the insurance, only the "Retirement package" is available to you.
You pay the insurance premium by a direct debit of your personal account opened with SKB, on a monthly, quarterly, semi-annual or annual basis.
| Principal − fixed interest rate | Loan duration |
Extended package |
|||
|---|---|---|---|---|---|
|
Monthly** |
Quarterly** |
Semiannually** |
Annually |
||
|
1.000 EUR |
36 months |
/ |
/ |
12.48 |
24.96 |
|
3.000 EUR |
48 months |
/ |
14.49 |
28.96 |
57.93 |
|
5.000 EUR |
60 months |
/ |
19.80 |
39.60 |
79.20 |
|
8.000 EUR |
70 months |
/ |
27.01 |
54.03 |
108.07 |
|
15.000 EUR |
84 months |
14.73 |
44.34 |
88.71 |
177.42 |
|
20.000 EUR |
84 months |
19.62 |
58.75 |
117.50 |
235.00 |
|
30.000 EUR |
84 mesecev |
29.22 |
87.55 |
175.10 |
350.20 |
*The insurance premium already includes the 8.5 % insurance business tax and the minimum amount of the monthly premium is 10 EUR.
**The amount of the first premium in the case of installment payment.
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.
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.
1. PROTECTION
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:
2. SAVING
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.
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.
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.
Would you like to start saving in funds but don't know how?
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.
SKB bank keeps pace with the trends. It provides its users with online and mobile banking which makes our business easier and also simplifies dealing with our personal account, while paying invoices is quick and easy. Employees in bank branches are nice, helpful and willing to solve every issue.
I have been a satisfied client since 2003. What I like most are personal approach and responsiveness – my individual relationship officer instantly finds a favourable solution for each of my financial challenges. I would also like to point out the mobile bank; these days I could not imagine my everyday life without it.
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