Example for Life Insurance
Male, age at entry 40 years, insurance period 20 years
|Yearly premium||600 €|
|Insured sum*||12.324 €|
Female, age at entry 40 years, insurance period 20 years
|Yearly premium||600 €|
|Insured sum*||12.719 €|
*The quoted insured sum will be increased by the accrued profit
Complementary insurance Wiener Doctors is the insurance product of health protection which covers treatment costs of critical illnesses including travel and accommodation expenses up to the insured amount and single limits. The product is designed for specific, critical illnesses whose costly and specialized treatment is insufficiently covered by most health insurance plans. It is stipulated for the same period as life insurance contract. The following illnesses and medical procedures are insured: Cancer Treatment, Coronary Artery By-pass Surgery, Heart Valve Replacement, Live-Donor Organ/Tissue Transplant, and Neurosurgery. Complementary insurance provides you up to €1,000,000 a year and €2,000,000 for the whole insurance period. Thus, doors of the most modern and successful hospitals all over the world are wide open for you.
Insurance against occurrence of critical illness
Insurance against occurrence of critical illness can be concluded in addition to Classic program.
If any of the illnesses covered by this insurance is diagnosed*, the insured is paid out the insured sum which enables him/her the necessary medical treatment and coverage of potentially high costs.
This insurance also covers the necessary constant care.
The basic life insurance is not interrupted thereby; it is continued with the same insured sum.
*Supplementary Insurance against occurrence of critical illness covers the following illnesses: malignant tumours, acute myocardial infarction, by-pass – coronary artery surgery, chronic kidney failure, vital organ transplantation, quadriplegia, cerebrovascular insult-stroke and complete blindness.
Accident insurance can be concluded in addition to Classic Program.
If the insured experiences an accident (traffic accident, injury at work, fall) which results in permanent disability, this supplementary insurance shall provide payment of the insured sum or part of the insured sum, depending on the disability degree, as well as hospital stay indemnity.
- Age of the insured can range from 14 to 65
- The contract can be concluded for at least 10 years but not more than 25 years
|200 €||for annual payments|
|110 €||semi-annually + extra payment of 2%|
|65 €||quarterly + extra payment of 3%|
|25 €||monthly + extra payment of 5%|
*If the premium payment is realized on the basis of standing order, by some of the commercial banks, the client is acquitted of extra payment. Also, in this way, monthly payment is much more comfortable for the policyholder.