For retail

Micro insurance

We all know that the future is uncertain and that, in addition to beautiful moments, it can also bring us unwanted situations. While we cannot prevent such events, what we can do is mitigate their consequences. So, consider a life insurance policy.

For all those who want to insure their life, with a large breadth of coverage and affordable prices, we have created the product Micro Insurance.

Micro insurance is a combination of the Risk Insurance program (death insurance) and the following supplementary insurance:

  • Insurance of persons against the consequences of an accident,
  • Insurance of persons against the occurrence of serious diseases,
  • Insurance of persons in case of death due to an accident,
  • Insurance of persons in case of surgical interventions,
  • Insurance against malignant diseases,
  • Insurance Wiener Doctors.

This insurance can be contracted by persons aged 14 to 74, provided that at the time of expiry of the contract the insured may have a maximum of 75 years.

For a relatively low premium, you will receive large coverage from various risks.

You choose the duration of the contract and the combination of additional coverage. You can choose one or more supplementary insurances according to your needs.

Payments can be made in dinars or euros.

Micro Insurance includes the following group of products:

1. MICRO STANDARD

This is the basic version of the product, where you choose the amount of coverage, a combination of additional coverage and the duration of the contract.

It gives you flexibility and gives you the opportunity to create insurance coverage according to your own needs.

The duration of the insurance contract is a minimum of 1 year and a maximum of 20 years.

2. MICRO PACKAGES

These products allow you to quickly and easily choose an insurance package with predefined coverage and an insurance period of only one year.

They represent a combination of Risk Insurance with Supplementary Insurance of Persons from the Consequences of an Accident (Accident), Supplementary Insurance of Persons in the Event of Death by Accident and Supplementary Insurance of Persons in the Event of Surgical Interventions.

The duration of this contract is exclusively one year and there are three different combinations of risks with different amounts of coverage. These are: package A, package B and package C.

Example: A man aged 40, the duration of insurance is one year

PACKAGE A

NameSum Insured (EUR)Sum Insured (RSD)
Risk insurance1.000,00125.000,00
Supplementary Insurance of Persons from the Consequences of an Accident1.000,00125.000,00
Supplementary Insurance of Persons in the Event of Death by Accident9.062,501.132.812,50
Supplementary Insurance of Persons in the Event of Surgical Interventions500,0062.500,00

PACKAGE B

NameSum Insured (EUR)Sum Insured (RSD)
Risk insurance2.000,00250.000,00
Supplementary Insurance of Persons from the Consequences of an Accident2.000,00250.000,00
Supplementary Insurance of Persons in the Event of Death by Accident9.062,501.132.812,50
Supplementary Insurance of Persons in the Event of Surgical Interventions1.000,00125.000,00

PACKAGE C

NameSum Insured (EUR)Sum Insured (RSD)
Risk insurance5.000,00620.000,00
Supplementary Insurance of Persons from the Consequences of an Accident5.000,00620.000,00
Supplementary Insurance of Persons in the Event of Death by Accident9.062,501.132.812,50
Supplementary Insurance of Persons in the Event of Surgical Interventions5.000,00625.000,00

3. Wiener Doctors Plus

It involves a combination of Risk Insurance with a pre-defined sum insured in the event of death at EUR 500 and Supplementary Insurance Wiener Doctors, which gives you the opportunity to treat serious illnesses abroad. In addition to the possibility of treatment in the best European medical centers, this insurance also allows you to obtain a second medical opinion. The costs of treatment, transport and accommodation are covered up to the amount of 2,000,000 EUR. The Wiener Doctors plus program can only be contracted in EUR.

In addition to Micro Insurance, Supplementary Insurance Against the Occurance of Malignant Desease https://wiener.co.rs/en/for-retail/life-insurance/maligne-bolesti/  can be contracted, which provides financial support in the event of the first diagnosis of cancer confirmed by medical documents.

Example (EUR)

Age of the insured: 40 years
Duration of insurance: 10 years
Annual premium: 122.35 EUR
Monthly premium: 10.70 EUR

Type of InsuranceSum Insured
Life Insurance5000 EUR
Accident9062 EUR
Death by Accident5000 EUR
Malignant Desease5000 EUR
Surgical Intervention5000 EUR

Example (RSD)

Age of the insured: 40 years
Duration of insurance: 10 years
Annual premium: 14,807 RSD
Monthly premium: 1,296 RSD

Type of InsuranceSum Insured
Life Insurance600,000 RSD
Accident1,132,812 RSD
Death by Accident600,000 RSD
Malignant Desease600,000 RSD
Surgical Intervention600,000 RSD