Nationale-Nederlanden Protection with Return - life insurance with return of premiums

Protection with Reimbursement is an insurance designed for people who want to financially protect their loved ones in case of their death, and if it doesn't happen - to get back some or all of the money paid for premiums. It's a proposition for people for whom traditional insurance coverage is insufficient.

The sum insured from PLN 100,000 to PLN 400,000. Contract for 15, 20 or 30 years - the longer the term, the higher the return (up to 100% of premiums paid).

Return to 100% contributions

At the end of the contract, you recover between 50% and 100% of the premiums you paid - depending on the insurance period you choose.

SU up to PLN 400,000

Sum insured from PLN 100,000 to PLN 400,000 - in case of the Insured's death, we will pay the full amount to relatives.

Flexible period

Choose a term of 15, 20 or 30 years. The longer the contract, the higher the percentage of return of premiums paid at the end of the contract.

Indexation of the premium

The premium and Sum Insured are indexed to maintain the time value of money throughout the term of the contract.

Coverage Protection with Reimbursement from Nationale-Nederlanden

Insurance covers two main benefits:

Death of the Insured (regardless of the reason) - payment of 100% Sum Insured to the designated persons.
Living to the end of the insurance period - refund from 50% to 100% of premiums paid (depending on the length of the contract).

Insurance options - period and return of premiums

Protection with Refund is available in three variants. The longer the term of the contract, the greater the percentage of premiums paid will be refunded at the end of the contract.

Parameter	Option 1	Option 2	Option 3
Duration of insurance	15 years	20 years	30 years
Return of premiums paid at the end of the contract	50%	75%	100%
Max. age of the Insured at the conclusion of	56 years old (unfinished)	51 years old (unfinished)	41 years old (unfinished)

Contract parameters

Parameter	Value
Minimum Sum Insured	PLN 100,000
Maximum Sum Insured	PLN 400,000
Age of the policy owner	from 18 years
Age of the insured person	From 18 years of age (max. by variant)
Form of contract	individual
Frequency of contribution	monthly
Indexation of the premium	Yes (excluding the last 5 years)
Medical survey	yes (required)

The owner of the policy does not have to be the insured person. A given person can be insured only once under this contract.

Reimbursement to 100% of premiums paid

Protection with Reimbursement combines insurance coverage with a savings feature. If you live to the end of the contract, Nationale-Nederlanden will return up to 100% of the premiums paid (with a 30-year contract). It's a way to protect your loved ones without losing the money you paid in.

Early termination of the contract

If the contract is terminated early, the customer will not receive the same level of return as if the policy is maintained until the end of the agreed insurance period. If the contract is terminated, the customer will receive the surrender value.

Details of the redemption value can be found in contribution refund table (PDF).

Contribution

Premiums can be paid by monthly. The amount of the premium depends on the Sum Insured selected, the duration of the contract and the age of the Insured.

The premium is indexed - Nationale-Nederlanden proposes to increase the premium and Sum Insured to maintain the time value of money. The last 5 years of the insurance period are excluded from indexation.

Contact a Polisarium advisor at. 325 325 325, to get a personalized quote.

How to make a deal

Contact a Polisarium advisor or call: 325 325 325.
The advisor will help you choose the optimal variant (15, 20 or 30 years) and Sum Insured.
You will complete the medical questionnaire required due to the high Sums Insured.
You sign the contract and pay the first premium - the protection kicks in.

The most common exclusions of liability

Below are typical examples of exclusions. The exact wording can be found in the Nationale-Nederlanden T&Cs.

Unlawful acts or attempted/suicidal acts within the period specified in the T&Cs from the conclusion of the contract.
Being under the influence of alcohol, intoxicants or psychotropic substances, if this had an impact on the incident.
Diseases and conditions existing prior to the conclusion of the contract that were not reported in the medical questionnaire.
Practicing high-risk sports or participating in competitions without the appropriate clauses.
Driving without the required authorization.
Participation in hostilities, acts of terrorism or a fight (except for necessary defense).

Frequently asked questions about Protection with Reimbursement insurance

What is Protection with Reimbursement insurance?

Protection with Refund is life insurance from Nationale-Nederlanden that combines death protection with a refund of premiums paid at the end of the contract. Depending on the term you choose (15, 20 or 30 years), you get back 50%, 75% or even 100% of premiums paid.

How much is the Sum Insured?

The minimum Sum Insured is PLN 100,000 and the maximum is PLN 400,000. In the event of the Insured's death, Nationale-Nederlanden will pay the full Sum Insured to the designated persons.

For what period can I enter into a contract?

The contract can be for 15, 20 or 30 years. The longer the term, the higher the return: 15 years - 50%, 20 years - 75%, 30 years - 100% of premiums paid.

Do I have to fill out a medical questionnaire?

Yes, a medical questionnaire is required due to the high Sums Insured available under this contract.

What happens if I terminate the contract early?

If you terminate the contract early, you will not receive a full refund of your premiums. You will receive a surrender value, the amount of which depends on the duration of the contract. For details, please refer to the premium refund table available in the product documentation.

Is the premium fixed for the entire period?

The premium is indexed - Nationale-Nederlanden proposes to increase it along with the Sum Insured to maintain the time value of money. The last 5 years of the insurance period are excluded from indexation.

How do I enter into a Protection with Reimbursement agreement?

Contact a Polisarium advisor at 325 325 325. The advisor will help you choose the optimal variant and Sum Insured tailored to your needs.

Why choose Protection with Reimbursement insurance?

Protection with Refund from Nationale-Nederlanden is life insurance that not only financially protects your loved ones, but also allows you to get back the premiums you paid. With sums insured ranging from PLN 100,000 to 400,000, three term variants (15, 20 or 30 years) with a return of 50-100% of premiums, and indexation that maintains the value of money over time, this is a comprehensive solution that combines protection with savings.

Contact your Polisarium advisor: 325 325 325.

Protection with Payback