Total insurance

Monthly premiums from 14 euros for treating serious diseases and for covering travel expenses and accommodation to 1,000,000 euros per year, through a network of Best Doctors, which includes hospitals in more than 40 countries. At the same time, with life insurance you save for your child’s future.

If you decide to save your baby’s stem cells CryoSave family stem cell bank, a discount of 160 euros for the service of keeping stem cells will be granted for you, as well as the best offer for a package of Wiener Städtische life insurance – Total Insurance + Wiener Städtische Best Doctors.

Total Insurance enables you to provide a long-lasting, complete security to your child. Until the age of 19, your child will be provided with the basic insurance package which has a savings character, whereas upon expiration of this period Total insurance becomes life insurance. When the insured turns 20, all key Total insurance program benefits take effect: the accumulated funds are available in the most diverse ways.

If you start premium payments from the earliest childhood, upon expiration of 20 years your child acquires a possibility to use the accumulated assets for his/her own needs in a simple way: invest in life insurance, annuity, education, withdraw as cash, or make the best combination for himself/herself out of the offered options.

Total insurance provides the greatest flexibility ever in the insurance business. Become our loyal customer and we shall reward your loyalty with special conveniences including exemption from premium payment in the last year of insurance.

In cooperation with the leading stem cell bank Cryo-Save, conclusion of the Total insurance program will save you 160 Euros for stem cells depositing and get you the best offer for Total Insurance: the possibility of conclusion Insurance Total insurance with a minimum annual premium of 90 euros (if accompanied by basic insurance contracts and Wiener Städtische Best Doctors Health Insurance).

Thus, you will insure your child’s health. With regard to the amazing stem cell ability to reproduce damaged or old tissues, you can use them in case of disease and thereby considerably increase the possibility of full convalescence.

CryoSave, member of Esperite Group, was founded in 2000 and today is the leading and the largest family stem cell bank in Europe with more than 280,000 samples stored. Parents around the world and medical release greatly recognize our professionalism and expertise, and our services are already available in over 40 countries on three continents.

Cryo-Save Serbia d.o.o.
Tel: +381 11 7850 515


Wiener Stӓdtische Best Doctors

Complementary insurance Wiener Stӓdtische Best 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.

Wiener Städtische Best Doctors insurance covers the cost incurred by transplantation of stem cells from bone marrow.

 Child, up to the age of one year

Annual payment90 €
Total premiums paid*1.710 €
Insurance period20 years
Insured sum**6.846 €

*The client does not pay the last year of insurance

**The quoted insured sum will be increased by the accrued profit 

Wiener Stӓdtische Best Doctors

Annual payment73,29 €
The maximum sum insured per insurance year1.000.000 €
The maximum sum insured for a lifetime2.000.000 €
Hospital day100 €
Drugs cost limit in Serbia50.000 €

With this insurance, only for persons older than 14 years, it is possible to concluse supplementary insurance as follows:

Accident Insurance, Insurance of persons in case of death due to accident, Surgical interventions Wiener Städtische Best Doctors Insurance, since the birth of the insured.