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Compensa Firma Życie

Compensa

Compensa Firma Życie - group life insurance for companies

We are pleased to present you an offer of group life insurance Compensa Firma Życie as a supplement to the property package Compensa Firma. We guarantee security, innovative insurance solutions and reduced to a minimum formalities related to the conclusion of the insurance contract. Insurance coverage is concluded for one year with the possibility of automatic extension.

The insurance contract is based on an insurance application submitted by the employer who employs the at least 3 employees and no more than 20 employees.

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Companies 3-20 people

Insurance for small and medium-sized enterprises with 3 to 20 employees

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Age 16-67

Employees, spouses, partners and adult children (18 years and older)

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24/7 Security

Round-the-clock insurance coverage for the employee and his or her loved ones

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Tailored packages

Basic packages, additional bricks and industry packages

Compensa Firma Życie group insurance coverage

Compensa Firma Życie insurance gives you the opportunity to tailor coverage to the needs of your company and employees:

  • Basic packages - Life protection, health protection, family protection - the three foundations of comprehensive group insurance.
  • Additional bricks - Employer brick, family brick, medical brick, accident brick - modular extensions of protection.
  • Industry packages - available to selected industries, customized benefits that protect employees in one industry - a solution unprecedented in the market.
  • Benefit for hospital stay - Financial support during hospital treatment.
  • Recovery - payment of benefit for each day of sick leave after hospitalization.
  • Pharmacy benefit - Additional funds for the purchase of medicines necessary for recovery.
  • VIP Assistance Package - The possibility of extending the insurance with a full assistance package, including for the insured's family.

💼 Benefits for the employer

• Deductible costs - The possibility of counting insurance as an expense if the employer participates in the payment of premiums for employees
• Discount in premium - In the case of insurance of company assets in Compensa
• Online service - insurance management through the naszacompensa.pl portal
• Exemption from death gratuity - if the employer covers the premium of the contract for the death of the employee
• Convenient payment of premiums - For the group, to the individual account, no later than the 14th day of the period for which the premium is due

Benefits for the insured employee

  • 24/7 Security - Insurance coverage for the employee and his or her loved ones around the clock.
  • Spouse or partner insurance - The possibility of insurance coverage other than that of the employee.
  • Lower premium - Group insurance is much cheaper than individual life insurance.
  • Contribution from salary - contribution paid by the employer through payroll deduction.
  • Hospital benefit - Financial support during hospital treatment.
  • Recovery - payment of benefit for each day of sick leave after hospitalization.
  • Pharmacy benefit - Additional funds for the purchase of medicines necessary for recovery.
  • Financial security for the family - The liquidity of the employee and his family.
  • VIP Assistance Package - Expandability, including for the family.
  • Submitting claims online - via compensa.pl.
  • Lifetime individual continuation - The possibility of continuing insurance after leaving the company.

Who can join the insurance

Insurance can be joined:

  • All employees (aged 16 to 67) working as of the effective date of insurance and newly hired.
  • Spouses and partners (aged 16 to 67).
  • Full-term children (aged 18 to 67).

The person joining the insurance should be employed as of the date of the beginning of the insurance coverage and complete and sign a declaration of consent to join the Compensa Firma Życie group insurance.

Karence

A grace period is a temporary limitation of the Society's liability for the period indicated in the General Terms and Conditions of Insurance, calculated from the date of the beginning of the insurance period.

Karence not applicable insurance events resulting from a personal accident.

If the insured was previously covered under a group life insurance contract, or was an insured person under an individual continuation of group insurance - the insurance period is included in the grace period.

It is possible to continue the insurance individually under the terms of the insurance contract.

Required documents and contribution

The entrepreneur should attach to the application for an insurance contract:

- a signed insurance quote including: scope of coverage, premium, sum insured, frequency of premium payments

- list of persons joining the insurance contract and duly completed declarations of consent of these persons

If the customer is insured with another insurance company as of the date of the insurance contract, you must additionally include:

- statement of continuity of insurance and termination of the previous group life insurance contract

- a copy of the coverage from the previous insurer

📄 View Compensa Firma Życie insurance packages (PDF)

Premiums are paid for the group, to the individual account, no later than the 14th day of the period for which the premium is due. Contact a Polisarium advisor at. 325 325 325, to get a customized quote for your company.

The most common exclusions of liability

  • Events covered by the grace period - temporary limitation of liability during the period indicated in the T&Cs (does not apply to personal accidents).
  • 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 that existed before you joined the insurance and were not reported to the insurer.
  • Participation in a fight (except for necessary defense), acts of war, acts of terrorism.
  • Detailed wording of the exclusions can be found in the General Insurance Terms and Conditions of Compensa Firma Życie.

Frequently asked questions about Compensa Firma Życie insurance

The insurance is designed for employers with 3 to 20 employees. It complements the Compensa Firma property package. The contract is concluded for one year with the possibility of automatic renewal.

All employees (age 16-67), their spouses and partners (16-67) and their adult children (18-67) can join the insurance. A spouse or partner may be insured for coverage different from that of an employee.

There are three basic packages (life, health, family protection), four additional bricks (employer, family, medical, accident) and unique industry packages - custom benefits dedicated to employees in selected industries.

Yes, the grace period specified in the T&Cs applies. However, it does not apply to events following an accident. If the employee was previously covered by another group life insurance, this period is counted as part of the grace period.

Employers can include insurance as a deductible, receive a premium discount when insuring company assets with Compensa, manage insurance online through the naszacompensa.pl portal, and be exempt from paying death gratuity.

Yes, there is the possibility of lifetime individual continuation of insurance under the terms of the insurance contract.

Call a Polisarium advisor at 325 325 325 325. The advisor will prepare a customized offer for your company, select the optimal protection packages and guide you through the contracting process.

Why choose Compensa Firma Życie?

Compensa Firma Życie is a comprehensive group life insurance dedicated to small and medium-sized companies with 3 to 20 employees. A flexible system of basic packages, additional bricks and unique industry packages allows you to tailor the protection exactly to the needs of your company and employees. Round-the-clock protection covers not only the employee, but also his or her spouse, partner and adult children. Additional benefits include hospital benefits, convalescence, pharmacy benefit, VIP assistance package and the possibility of individual continuation for life.

Contact a Polisarium advisor at. 325 325 325, to get a quote for your company.