For retail

Classic program

Classic  Life Insurance is a combined life insurance which simultaneously provides you savings for the future and life insurance in the event of death, so that you can be sure that the members of your family will be taken care of in case of an uncalled-for situation.

At the same time, life is insured during the entire period.

With the Classic  Life Insurance you save money for the more mature age and produce the capital which will make you feel more secure. The money you put aside and accumulate in the course of the years through this kind of savings will be paid out to you upon expiration of the insurance period in accordance with the insured sum. At the same time, your life is insured during the entire period.

In addition to Classic Life Insurance, arrange supplementary insurance against occurrence of critical illness and accident insurance.

Example for Life Insurance

Male, age at entry 40 years, insurance period 20 years

Yearly premium600 €
Insured sum*12.324 €

Female, age at entry 40 years, insurance period 20 years

Yearly premium600 €
Insured sum*12.719 €

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


Wiener Doctors

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

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
  • Minimal premium
    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.