UNIQA Loan Beneficiary Insurance

Contract basic insurance in case of death due to an accident or illness and additional insurance in case of sick leave and/or unemployment, for your new loan or cash loan in repayment.

Make an appointment at the branch

Premium

The insurance premium is paid at the beginning of the insurance for the entire contracted duration of the insurance

Insurance coverage

In addition to basic insurance coverage, you can choose additional insurance coverage

Duration of insurance

The duration of the insurance is equal to the contracted duration of the loan repayment

What is covered by the loan insurance policy?

This insurance is a combination of basic insurance in case of death and additional insurance in case of sick leave and/or unemployment. In this way, the loan beneficiary ensures repayment of the cash loan in the following cases:

death caused by accident or disease (basic)
sick leave (additional) and/or
unemployment (additional)

Insurance for sick leave and unemployment applies for the territory of the Republic of Croatia, while death insurance applies worldwide.

When to contract the loan beneficiary insurance policy?

when contracting a non-purpose loan, where the insured amount is equal to the loan amount
during the repayment of the existing loan, if at the time of contracting this insurance there is no overdue outstanding debt for the loan for which you are insuring. The insured amount will then be equal to the amount of the remainder of the outstanding loan principal on the date of contracting the policy

Who can take out a loan insurance policy?

A loan insurance policy can be contracted by an adult natural person who has entered into a non-purpose loan agreement with the bank.

Age limits of the policyholder (who is also the insured person)	Basic insurance	Additional insurance
Maximum access age	65	75
Maximum age at the end of the insurance	60	65

If, in addition to the basic insurance, you also take out additional insurance – for sick leave and unemployment, the maximum entry age is 60, and the maximum age at the end of the insurance is 65 in that case. After the age of 65, death insurance is still valid until the age of 75.

Read all terms and conditions and information about loan beneficiary insurance in the Loan Beneficiary Insurance Terms and Conditions UOKZ 1/2023.

UNIQA insurance – service availability

by phone +385 1 6324 200 from Monday to Friday from 8 to 18 and on Saturdays from 8 to 13
you can find additional information about products and services and how to report damage on the UNIQA osiguranje d.d. website
you can also check all information about your insurance policies on the free client portal

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