PROTECTION+
Nationale-Nederlanden OCHRONA+ traditional life insurance.
Protection+ is traditional life insurance from Nationale-Nederlanden. The policy provides protection for you and financial support for your loved ones. It gives you the assurance that in the event of your death, the people you designate will receive financial support, and the money from the policy will be paid only to the people you designate. You can flexibly adjust the policy to your life situation during the term of the policy. Protection+ is a Main Contract and 5 voluntary Additional Contracts - all for as little as PLN 40 per month!
🏦 Security for loan repayment
In the event of the worst-case situation, i.e., the Insured's death, the loan repayment will not fall on the Insured's family. Nationale-Nederlanden will pay 100% of the Sum Insured. Available from as little as PLN 50,000.
💰 Compensation for lost income
When something happens to you, you end up in the hospital and are unable to work and earn, thanks to Protection+ you will receive additional funds.
🏥 Additional money for treatment
By selecting the Serious Illness Contract, in case of illness, Nationale-Nederlanden will pay 100% of the selected Sum Insured.
🛡️ Support in a difficult situation
When the Insured suffers permanent total disability as a result of an accident or illness, we will pay 100% of the Sum Insured.
✅ Taking over the payment of premiums
When the Insured, as a result of an accident, is completely unable to work for at least 6 months, we will take over the payment of premiums.
Discounts in insurance OCHRONA+
OCHRONA+ insurance coverage from Nationale-Nederlanden
The Main Contract covers the death benefit of the Insured. In addition, you can extend coverage with 5 voluntary Supplementary Agreements.
Main agreement - parameters
| Parameter | Value |
|---|---|
| Minimum sum insured | PLN 50,000 |
| Minimum contribution | 40 zł per month |
| Age of accession | At least 18 years of age, under 70 years of age |
| Death benefit | 100% Sums insured |
Additional contracts OCHRONA+
Supplementary contract A: Serious illness
| Parameter | Value |
|---|---|
| Scope | 10 disease units (including heart attack, bypass, malignant neoplasm) |
| Benefit | 100% Sums insured |
| Multiple payouts | Up to 3 withdrawals = max. 300% SU |
| Min. total | PLN 10,000 |
| Max. total | 50% SU master agreement, max. PLN 600,000 |
| Age of accession | 18 years of age or older, under 61 years of age |
| Duration | 5 years |
Supplementary contract B: Hospital stay and surgery
| Parameter | Value |
|---|---|
| Scope | illness or accident |
| Hospital benefit | 2% SU for each day of stay |
| Max days | 90 days in policy year = 180% SU |
| Min. stay | 3 days (payment from the 4th day) |
| Operational benefit | 10%-100% SU (by treatment category) |
| Amounts available | 2,500 / 5,000 / 10,000 PLN |
| Age of accession | 18 years of age or older, under 61 years of age |
| Duration | 5 years |
Supplementary contract C: Death due to personal accident
| Parameter | Value |
|---|---|
| Scope | additional funds for death as a result of NW |
| Total | equal to the sum of the main contract |
| Benefit | 200% Principal Contract Sums (death + NW). |
| Age of accession | At least 18 years of age, under 66 years of age |
| Duration | duration of the main contract |
Supplementary contract D: Permanent total disability
| Parameter | Value |
|---|---|
| Scope | illness or accident |
| Condition | total, permanent and irreversible inability to work and inability to live independently, lasting min. 24 months |
| Benefit | 100% Sums insured |
| Total | equal to the sum of the main contract |
| Age of accession | 18 years of age or older, under 61 years of age |
| Duration | Until the end of the main contract, min. 5 years |
Supplementary contract E: Disability as a result of a personal accident
| Parameter | Value |
|---|---|
| Scope | just an unfortunate accident |
| Condition | Total inability to work for a minimum of. 6 months as a result of NW |
| People 60+ | recognition also includes loss of hearing, sight in one eye or loss of a limb |
| Benefit | take over payment of premiums for all contracts |
| Age of accession | 18 years of age or older, under 61 years of age |
| Duration | Until the end of the main contract, min. 5 years |
Contribution
The minimum premium for OCHRONA+ insurance is. 40 zł per month. The amount of the premium depends on the sum insured selected, the scope of additional contracts and the age of the Insured.
Contact a Polisarium advisor at. 325 325 325, to get a customized quote tailored to your needs.
How to make a deal
The most common exclusions of liability
Below are typical examples of exclusions. The exact wording can be found in the Nationale-Nederlanden T&Cs.
Frequently asked questions about OCHRONA+ insurance
Why choose OCHRONA+ insurance from Nationale-Nederlanden?
PROTECTION+ is a proven life insurance that combines death cover with 5 additional contracts. Multiple payouts for serious illnesses (up to 300% SU), hospital benefits, double payout on death from NW and assumption of premiums in case of disability - comprehensive protection for you and your family. Minimum premium from PLN 40/month.
Contact your Polisarium advisor: 325 325 325.
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