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Credit repayment insurance

Ergo Hestia

Credit repayment insurance from ERGO Hestia - protect your family and your credit

Loan repayment insurance is a life insurance policy within the ERGO 4 product, which guarantees the repayment of loan obligations in the event of the insured's death. It ensures that your family will not be burdened with mortgage or cash loan repayments.

Key advantage: fixed premium for the entire period of protection - does not increase with age or with the passage of time. Coverage includes death from any cause, not just as a result of an accident. Optionally, you can extend coverage to include serious illness, incapacity or injury.

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Loan collateral

SU matched to the amount of the loan - mortgage or cash

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Fixed premium

Premiums do not increase with age or over the life of the policy

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Any cause of death

Coverage not limited to accidents - includes illnesses and other causes

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Extensions

Serious illness, incapacity, NW injury, hospital

ERGO Hestia loan repayment insurance coverage

Basic protection

  • Death of the insured from any cause - payment of 100% of the sum insured to the designated person (beneficiary)
  • Sum insured equal to the amount of the loan - benefit covers the remaining loan obligation
  • Fixed premium - unchanged for the entire period of protection (equal to the term of the loan)
  • Protection up to 100 years of age - Life insurance in variant II or III ERGO 4
  • Indexation - possibility to increase the sum insured on the policy anniversary

Optional protection extensions

ERGO 4's modular design allows you to extend your credit protection to additional risks:

  • Serious illness - Up to 50 diseases (cancer, heart attack, stroke, multiple sclerosis and others)
  • Inability to work - benefit in case of total incapacity due to NW or illness
  • NW injury / damage - payment for fractures, burns, scars
  • Inpatient treatment - benefit for each day of hospital stay
  • Surgical operations - benefit according to the list of operations
  • Global Doctors - treatment of serious diseases abroad

Fixed premium - predictable costs throughout the loan

Unlike many credit insurance policies offered by banks, the ERGO Hestia policy guarantees fixed premium For the entire period of coverage. You don't have to worry about the cost of insurance going up in a few years. In addition, the coverage includes death from any cause - not just accidental death, as in many bank policies.

Insurance premium

The premium depends on the amount of the loan, the term of the loan, the age of the insured and the extensions selected. The premium is constant throughout the protection period and can be paid monthly, quarterly, semiannually or annually.

To find out the exact premium to match your loan, contact your Polisarium advisor: 325 325 325. Detailed conditions in OVU ERGO 4 (C-E4-01/26).

How to buy credit insurance?

  • 1. Call a Polisarium advisor - tel. 325 325 325
  • 2. Enter the loan amount, loan term and your age
  • 3. Together choose the sum insured and possible extensions
  • 4. Fill out a short health questionnaire - without a medical examination
  • 5. Accept the offer and pay the premium - the whole process possible remotely

Disclaimers

The insurer does not pay the benefit in the case of, among other things:

  • Death due to active participation in acts of violence or terrorism
  • Suicide within 2 years of the agreement
  • Death as a result of the commission of an intentional crime
  • Death under the influence of alcohol or drugs (in terms of NW extensions)
  • Warfare, insurgency, nuclear/chemical disasters
  • Driving without authority (in terms of NW extensions)
  • Extreme sports without a purchased extension
  • Diseases covered by the grace period (3 months for serious illnesses)

Frequently asked questions about credit insurance

This is a life insurance policy that secures the repayment of a mortgage or cash loan in the event of the insured's death. The sum insured corresponds to the amount of the loan, and the benefit goes to a designated beneficiary - such as the family, who can pay off the remaining obligation.

Yes. ERGO Hestia's insurance premium is fixed for the entire period of coverage. It does not increase with age or over the years. This is a key difference from many insurances offered by banks, where premiums can rise.

No. You have every right to choose loan repayment insurance outside the bank. The policy from ERGO Hestia meets the banks' requirements for assignment and can be accepted as collateral for the loan.

The period of protection is matched to the term of the loan - a minimum of 6 years. Life insurance in ERGO 4 can last until the insured's 100th birthday. It is possible to extend the protection for further periods.

No. Joining only requires filling out a short health questionnaire. If warranted, the insurer may ask for tests at its expense.

Yes. With ERGO 4's modular design, you can add protection against serious illness (up to 50 diseases), incapacity, injury, hospital treatment, surgery, and even treatment abroad (Global Doctors).

You can terminate the contract at any time. You have the right to cancel within 30 days of conclusion. You can also continue the policy as standard life insurance after repaying the loan.

ERGO Hestia's policy offers a fixed premium (the bank's often increases), protection from any cause of death (the bank's often only NW), the ability to expand to include illness and incapacity, and portability of the policy between loans.

Why should you insure your credit with ERGO Hestia?

Loan repayment insurance from ERGO Hestia means a fixed premium, protection from any cause of death and the possibility of extending to serious illness, incapacity or treatment abroad. You don't have to use bank insurance - ERGO Hestia's policy meets banks' requirements and gives you a much wider range of protection.

To select the optimal protection for your loan, call a Polisarium advisor: 325 325 325.