{"id":2934,"date":"2026-03-17T12:51:15","date_gmt":"2026-03-17T11:51:15","guid":{"rendered":"https:\/\/nazycie.pl\/?post_type=ubezpieczenie&#038;p=2934"},"modified":"2026-03-27T14:23:51","modified_gmt":"2026-03-27T13:23:51","slug":"protection-with-return","status":"publish","type":"ubezpieczenie","link":"https:\/\/nazycie.pl\/en\/ubezpieczenia-na-zycie\/ochrona-ze-zwrotem\/","title":{"rendered":"Protection with Payback <span class=\"badge-archiwalne\">archived<\/span>"},"content":{"rendered":"<style>.kb-row-layout-idhero_row_ozz_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idhero_row_ozz_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idhero_row_ozz_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idhero_row_ozz_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idhero_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idhero_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idhero_row_ozz_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-columnhero_col_ozz_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columnhero_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columnhero_col_ozz_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columnhero_col_ozz_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columnhero_col_ozz_001{position:relative;}@media all and (max-width: 1024px){.kadence-columnhero_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columnhero_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columnhero_col_ozz_001 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headinghero_heading_ozz_001, .wp-block-kadence-advancedheading.kt-adv-headinghero_heading_ozz_001[data-kb-block=\"kb-adv-headinghero_heading_ozz_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headinghero_heading_ozz_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headinghero_heading_ozz_001[data-kb-block=\"kb-adv-headinghero_heading_ozz_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headinghero_heading_ozz_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headinghero_heading_ozz_001[data-kb-block=\"kb-adv-headinghero_heading_ozz_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-headinghero_heading_ozz_001 kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-headinghero_heading_ozz_001\">Nationale-Nederlanden Ochrona ze Zwrotem \u2013 ubezpieczenie na \u017cycie ze zwrotem sk\u0142adek<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ochrona ze Zwrotem to ubezpieczenie przeznaczone dla os\u00f3b, kt\u00f3re chc\u0105 finansowo zabezpieczy\u0107 najbli\u017cszych na wypadek swojej \u015bmierci, a je\u015bli do niej nie dojdzie \u2013 odzyska\u0107 cz\u0119\u015b\u0107 lub ca\u0142o\u015b\u0107 pieni\u0119dzy wp\u0142aconych na sk\u0142adki. To propozycja dla os\u00f3b, dla kt\u00f3rych tradycyjna ochrona ubezpieczeniowa jest niewystarczaj\u0105ca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suma ubezpieczenia od <strong>100 000 z\u0142<\/strong> do <strong>400 000 z\u0142<\/strong>. Umowa na 15, 20 lub 30 lat \u2013 im d\u0142u\u017cszy okres, tym wi\u0119kszy zwrot (do 100% wp\u0142aconych sk\u0142adek).<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-idinfo_icons_row_ozz_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idinfo_icons_row_ozz_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idinfo_icons_row_ozz_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-idinfo_icons_row_ozz_001 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-idinfo_icons_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:repeat(4, minmax(0, 1fr));}.kb-row-layout-idinfo_icons_row_ozz_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idinfo_icons_row_ozz_001 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 1024px){.kb-row-layout-idinfo_icons_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:repeat(4, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-idinfo_icons_row_ozz_001 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-idinfo_icons_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idinfo_icons_row_ozz_001 alignnone icon-cards-grid wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-4-columns kt-row-layout-equal-width kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-columninfo_icons_col_ozz_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columninfo_icons_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columninfo_icons_col_ozz_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columninfo_icons_col_ozz_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columninfo_icons_col_ozz_001{position:relative;}@media all and (max-width: 1024px){.kadence-columninfo_icons_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columninfo_icons_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columninfo_icons_col_ozz_001 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_001, .wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_001[data-kb-block=\"kb-adv-headinginfo_h4_ozz_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_001[data-kb-block=\"kb-adv-headinginfo_h4_ozz_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_001[data-kb-block=\"kb-adv-headinginfo_h4_ozz_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_info_h4_ozz_001\">Zwrot do 100% sk\u0142adek<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Na koniec umowy odzyskujesz od 50% do 100% wp\u0142aconych sk\u0142adek \u2013 w zale\u017cno\u015bci od wybranego okresu ubezpieczenia.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-columninfo_icons_col_ozz_002 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columninfo_icons_col_ozz_002 > .kt-inside-inner-col{flex-direction:column;}.kadence-columninfo_icons_col_ozz_002 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columninfo_icons_col_ozz_002 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columninfo_icons_col_ozz_002{position:relative;}@media all and (max-width: 1024px){.kadence-columninfo_icons_col_ozz_002 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columninfo_icons_col_ozz_002 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columninfo_icons_col_ozz_002 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_002, .wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_002[data-kb-block=\"kb-adv-headinginfo_h4_ozz_002\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_002 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_002[data-kb-block=\"kb-adv-headinginfo_h4_ozz_002\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_002 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_002[data-kb-block=\"kb-adv-headinginfo_h4_ozz_002\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_info_h4_ozz_002\">SU do 400 000 z\u0142<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Suma ubezpieczenia od 100 000 do 400 000 z\u0142 \u2013 w przypadku \u015bmierci Ubezpieczonego wyp\u0142acimy pe\u0142n\u0105 kwot\u0119 bliskim.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-columninfo_icons_col_ozz_003 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columninfo_icons_col_ozz_003 > .kt-inside-inner-col{flex-direction:column;}.kadence-columninfo_icons_col_ozz_003 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columninfo_icons_col_ozz_003 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columninfo_icons_col_ozz_003{position:relative;}@media all and (max-width: 1024px){.kadence-columninfo_icons_col_ozz_003 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columninfo_icons_col_ozz_003 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columninfo_icons_col_ozz_003 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_003, .wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_003[data-kb-block=\"kb-adv-headinginfo_h4_ozz_003\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_003 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_003[data-kb-block=\"kb-adv-headinginfo_h4_ozz_003\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_003 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_003[data-kb-block=\"kb-adv-headinginfo_h4_ozz_003\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_info_h4_ozz_003\">Elastyczny okres<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Wybierz okres 15, 20 lub 30 lat. Im d\u0142u\u017csza umowa, tym wi\u0119kszy procent zwrotu wp\u0142aconych sk\u0142adek na jej koniec.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-columninfo_icons_col_ozz_004 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columninfo_icons_col_ozz_004 > .kt-inside-inner-col{flex-direction:column;}.kadence-columninfo_icons_col_ozz_004 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columninfo_icons_col_ozz_004 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columninfo_icons_col_ozz_004{position:relative;}@media all and (max-width: 1024px){.kadence-columninfo_icons_col_ozz_004 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columninfo_icons_col_ozz_004 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columninfo_icons_col_ozz_004 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_004, .wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_004[data-kb-block=\"kb-adv-headinginfo_h4_ozz_004\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_004 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_004[data-kb-block=\"kb-adv-headinginfo_h4_ozz_004\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_004 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headinginfo_h4_ozz_004[data-kb-block=\"kb-adv-headinginfo_h4_ozz_004\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_info_h4_ozz_004\">Indeksacja sk\u0142adki<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Sk\u0142adka i Suma ubezpieczenia s\u0105 indeksowane, co pozwala utrzyma\u0107 warto\u015b\u0107 pieni\u0105dza w czasie przez ca\u0142y okres trwania umowy.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-idscope_row_ozz_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idscope_row_ozz_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idscope_row_ozz_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idscope_row_ozz_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idscope_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idscope_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idscope_row_ozz_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-columnscope_col_ozz_001 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-columnscope_col_ozz_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columnscope_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columnscope_col_ozz_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columnscope_col_ozz_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columnscope_col_ozz_001{position:relative;}@media all and (max-width: 1024px){.kadence-columnscope_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columnscope_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columnscope_col_ozz_001 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingscope_heading_ozz_001, .wp-block-kadence-advancedheading.kt-adv-headingscope_heading_ozz_001[data-kb-block=\"kb-adv-headingscope_heading_ozz_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingscope_heading_ozz_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingscope_heading_ozz_001[data-kb-block=\"kb-adv-headingscope_heading_ozz_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingscope_heading_ozz_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingscope_heading_ozz_001[data-kb-block=\"kb-adv-headingscope_heading_ozz_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_scope_heading_ozz_001\">Zakres ubezpieczenia Ochrona ze Zwrotem od Nationale-Nederlanden<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ubezpieczenie obejmuje dwa g\u0142\u00f3wne \u015bwiadczenia:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_scope_ozz_001:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_scope_ozz_001 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_scope_ozz_001 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_scope_ozz_001 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsiconlist_scope_ozz_001 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items_iconlist_scope_ozz_001 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\">\n<style>.kt-svg-icon-list-item-li_scope_ozz_001 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-li_scope_ozz_001\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"><\/path><polyline points=\"22 4 12 14.01 9 11.01\"><\/polyline><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>\u015amier\u0107 Ubezpieczonego<\/strong> (niezale\u017cnie od przyczyny) \u2013 wyp\u0142ata 100% Sumy ubezpieczenia wskazanym osobom.<\/span><\/li>\n\n<style>.kt-svg-icon-list-item-li_scope_ozz_002 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-li_scope_ozz_002\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"><\/path><polyline points=\"22 4 12 14.01 9 11.01\"><\/polyline><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Do\u017cycie ko\u0144ca okresu ubezpieczenia<\/strong> \u2013 zwrot od 50% do 100% wp\u0142aconych sk\u0142adek (w zale\u017cno\u015bci od d\u0142ugo\u015bci umowy).<\/span><\/li>\n\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-idwarianty_row_ozz_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idwarianty_row_ozz_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idwarianty_row_ozz_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idwarianty_row_ozz_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idwarianty_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idwarianty_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idwarianty_row_ozz_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-columnwarianty_col_ozz_001 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-columnwarianty_col_ozz_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columnwarianty_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columnwarianty_col_ozz_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columnwarianty_col_ozz_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columnwarianty_col_ozz_001{position:relative;}@media all and (max-width: 1024px){.kadence-columnwarianty_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columnwarianty_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columnwarianty_col_ozz_001 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingwarianty_heading_ozz_001, .wp-block-kadence-advancedheading.kt-adv-headingwarianty_heading_ozz_001[data-kb-block=\"kb-adv-headingwarianty_heading_ozz_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingwarianty_heading_ozz_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingwarianty_heading_ozz_001[data-kb-block=\"kb-adv-headingwarianty_heading_ozz_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingwarianty_heading_ozz_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingwarianty_heading_ozz_001[data-kb-block=\"kb-adv-headingwarianty_heading_ozz_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_warianty_heading_ozz_001\">Warianty ubezpieczenia \u2013 okres i zwrot sk\u0142adek<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ochrona ze Zwrotem jest dost\u0119pna w trzech wariantach. Im d\u0142u\u017cszy okres trwania umowy, tym wi\u0119kszy procent wp\u0142aconych sk\u0142adek zostanie zwr\u00f3cony na jej zako\u0144czenie.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Parametr<\/th><th>Wariant 1<\/th><th>Wariant 2<\/th><th>Wariant 3<\/th><\/tr><\/thead><tbody><tr><td>Okres trwania ubezpieczenia<\/td><td>15 lat<\/td><td>20 lat<\/td><td>30 lat<\/td><\/tr><tr><td>Zwrot wp\u0142aconych sk\u0142adek na koniec umowy<\/td><td>50%<\/td><td>75%<\/td><td>100%<\/td><\/tr><tr><td>Maks. wiek Ubezpieczonego przy zawarciu<\/td><td>56 lat (nieuko\u0144czone)<\/td><td>51 lat (nieuko\u0144czone)<\/td><td>41 lat (nieuko\u0144czone)<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-idparams_row_ozz_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idparams_row_ozz_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idparams_row_ozz_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idparams_row_ozz_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idparams_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idparams_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idparams_row_ozz_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-columnparams_col_ozz_001 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-columnparams_col_ozz_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columnparams_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columnparams_col_ozz_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columnparams_col_ozz_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columnparams_col_ozz_001{position:relative;}@media all and (max-width: 1024px){.kadence-columnparams_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columnparams_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columnparams_col_ozz_001 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingparams_heading_ozz_001, .wp-block-kadence-advancedheading.kt-adv-headingparams_heading_ozz_001[data-kb-block=\"kb-adv-headingparams_heading_ozz_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingparams_heading_ozz_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingparams_heading_ozz_001[data-kb-block=\"kb-adv-headingparams_heading_ozz_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingparams_heading_ozz_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingparams_heading_ozz_001[data-kb-block=\"kb-adv-headingparams_heading_ozz_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_params_heading_ozz_001\">Parametry umowy<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Parametr<\/th><th>Warto\u015b\u0107<\/th><\/tr><\/thead><tbody><tr><td>Minimalna Suma ubezpieczenia<\/td><td>100 000 z\u0142<\/td><\/tr><tr><td>Maksymalna Suma ubezpieczenia<\/td><td>400 000 z\u0142<\/td><\/tr><tr><td>Wiek w\u0142a\u015bciciela polisy<\/td><td>od 18 lat<\/td><\/tr><tr><td>Wiek osoby ubezpieczonej<\/td><td>od 18 lat (maks. wg wariantu)<\/td><\/tr><tr><td>Forma umowy<\/td><td>indywidualna<\/td><\/tr><tr><td>Cz\u0119stotliwo\u015b\u0107 sk\u0142adki<\/td><td>miesi\u0119czna<\/td><\/tr><tr><td>Indeksacja sk\u0142adki<\/td><td>tak (z wy\u0142\u0105czeniem 5 ostatnich lat)<\/td><\/tr><tr><td>Ankieta medyczna<\/td><td>tak (wymagana)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">W\u0142a\u015bciciel polisy nie musi by\u0107 osob\u0105 ubezpieczon\u0105. Dan\u0105 osob\u0119 mo\u017cna ubezpieczy\u0107 tylko raz w ramach tej umowy.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-idinfobox_row_ozz_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idinfobox_row_ozz_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idinfobox_row_ozz_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idinfobox_row_ozz_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idinfobox_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idinfobox_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idinfobox_row_ozz_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-columninfobox_col_ozz_001 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-columninfobox_col_ozz_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columninfobox_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columninfobox_col_ozz_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columninfobox_col_ozz_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columninfobox_col_ozz_001{position:relative;}@media all and (max-width: 1024px){.kadence-columninfobox_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columninfobox_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columninfobox_col_ozz_001 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > #kt-info-boxinfobox_ozz_001 .kt-blocks-info-box-link-wrap{max-width:unset;}#kt-info-boxinfobox_ozz_001 .kt-blocks-info-box-link-wrap{background:var(--global-palette8, #F7FAFC);padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-md, 2rem);}#kt-info-boxinfobox_ozz_001 .kadence-info-box-icon-container .kt-info-svg-icon, #kt-info-boxinfobox_ozz_001 .kt-info-svg-icon-flip, #kt-info-boxinfobox_ozz_001 .kt-blocks-info-box-number{font-size:50px;}#kt-info-boxinfobox_ozz_001 .kt-blocks-info-box-media{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}#kt-info-boxinfobox_ozz_001 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:15px;margin-bottom:0px;margin-left:15px;}#kt-info-boxinfobox_ozz_001 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}<\/style>\n<div class=\"wp-block-kadence-infobox\"><div class=\"kt-blocks-info-box-link-wrap kt-blocks-info-box-media-align-top\"><div class=\"kt-blocks-info-box-media-container\"><\/div><div class=\"infobox-content accent-box\"><h4 class=\"kt-blocks-info-box-title\">Zwrot do 100% wp\u0142aconych sk\u0142adek<\/h4><p class=\"kt-blocks-info-box-text\">Ochrona ze Zwrotem \u0142\u0105czy ochron\u0119 ubezpieczeniow\u0105 z funkcj\u0105 oszcz\u0119dno\u015bciow\u0105. Je\u015bli do\u017cyjesz ko\u0144ca umowy, Nationale-Nederlanden zwr\u00f3ci Ci nawet 100% wp\u0142aconych sk\u0142adek (przy umowie na 30 lat). To spos\u00f3b na zabezpieczenie bliskich, kt\u00f3ry nie oznacza utraty wp\u0142aconych pieni\u0119dzy.<\/p><\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-idwczesniejsze_row_ozz_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idwczesniejsze_row_ozz_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idwczesniejsze_row_ozz_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idwczesniejsze_row_ozz_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idwczesniejsze_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idwczesniejsze_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idwczesniejsze_row_ozz_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-columnwczesniejsze_col_ozz_001 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-columnwczesniejsze_col_ozz_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columnwczesniejsze_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columnwczesniejsze_col_ozz_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columnwczesniejsze_col_ozz_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columnwczesniejsze_col_ozz_001{position:relative;}@media all and (max-width: 1024px){.kadence-columnwczesniejsze_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columnwczesniejsze_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columnwczesniejsze_col_ozz_001 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingwczesniejsze_heading_ozz_001, .wp-block-kadence-advancedheading.kt-adv-headingwczesniejsze_heading_ozz_001[data-kb-block=\"kb-adv-headingwczesniejsze_heading_ozz_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingwczesniejsze_heading_ozz_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingwczesniejsze_heading_ozz_001[data-kb-block=\"kb-adv-headingwczesniejsze_heading_ozz_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingwczesniejsze_heading_ozz_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingwczesniejsze_heading_ozz_001[data-kb-block=\"kb-adv-headingwczesniejsze_heading_ozz_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_wczesniejsze_heading_ozz_001\">Wcze\u015bniejsze rozwi\u0105zanie umowy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">W przypadku wcze\u015bniejszego rozwi\u0105zania umowy Klient nie otrzyma takiego poziomu zwrotu, jak w przypadku utrzymania polisy do ko\u0144ca um\u00f3wionego okresu ubezpieczenia. Je\u015bli umowa zostanie przerwana, Klient otrzyma warto\u015b\u0107 wykupu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Szczeg\u00f3\u0142y dotycz\u0105ce warto\u015bci wykupu znajduj\u0105 si\u0119 w <a href=\"https:\/\/nazycie.pl\/wp-content\/uploads\/2026\/03\/nnd_ochrona_ze_zwrotem.pdf\" target=\"_blank\" rel=\"noopener\">tabeli zwrotu sk\u0142adek (PDF)<\/a>.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-idskladka_row_ozz_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idskladka_row_ozz_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idskladka_row_ozz_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idskladka_row_ozz_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idskladka_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idskladka_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idskladka_row_ozz_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-columnskladka_col_ozz_001 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-columnskladka_col_ozz_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columnskladka_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columnskladka_col_ozz_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columnskladka_col_ozz_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columnskladka_col_ozz_001{position:relative;}@media all and (max-width: 1024px){.kadence-columnskladka_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columnskladka_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columnskladka_col_ozz_001 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingskladka_heading_ozz_001, .wp-block-kadence-advancedheading.kt-adv-headingskladka_heading_ozz_001[data-kb-block=\"kb-adv-headingskladka_heading_ozz_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingskladka_heading_ozz_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingskladka_heading_ozz_001[data-kb-block=\"kb-adv-headingskladka_heading_ozz_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingskladka_heading_ozz_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingskladka_heading_ozz_001[data-kb-block=\"kb-adv-headingskladka_heading_ozz_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_skladka_heading_ozz_001\">Sk\u0142adka<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sk\u0142adki mo\u017cna op\u0142aca\u0107 w trybie <strong>miesi\u0119cznym<\/strong>. Wysoko\u015b\u0107 sk\u0142adki zale\u017cy od wybranej Sumy ubezpieczenia, okresu trwania umowy oraz wieku Ubezpieczonego.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sk\u0142adka jest <strong>indeksowana<\/strong> \u2013 Nationale-Nederlanden proponuje podwy\u017cszenie sk\u0142adki i Sumy ubezpieczenia, aby utrzyma\u0107 warto\u015b\u0107 pieni\u0105dza w czasie. Z indeksacji wy\u0142\u0105czonych jest 5 ostatnich lat okresu ubezpieczenia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Skontaktuj si\u0119 z doradc\u0105 Polisarium pod numerem <strong>325 325 325<\/strong>, aby uzyska\u0107 indywidualn\u0105 wycen\u0119.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-idprocess_row_ozz_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idprocess_row_ozz_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idprocess_row_ozz_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idprocess_row_ozz_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idprocess_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idprocess_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idprocess_row_ozz_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-columnprocess_col_ozz_001 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-columnprocess_col_ozz_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columnprocess_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columnprocess_col_ozz_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columnprocess_col_ozz_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columnprocess_col_ozz_001{position:relative;}@media all and (max-width: 1024px){.kadence-columnprocess_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columnprocess_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columnprocess_col_ozz_001 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingprocess_heading_ozz_001, .wp-block-kadence-advancedheading.kt-adv-headingprocess_heading_ozz_001[data-kb-block=\"kb-adv-headingprocess_heading_ozz_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingprocess_heading_ozz_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingprocess_heading_ozz_001[data-kb-block=\"kb-adv-headingprocess_heading_ozz_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingprocess_heading_ozz_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingprocess_heading_ozz_001[data-kb-block=\"kb-adv-headingprocess_heading_ozz_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_process_heading_ozz_001\">Jak zawrze\u0107 umow\u0119<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_process_ozz_001:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_process_ozz_001 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_process_ozz_001 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_process_ozz_001 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsiconlist_process_ozz_001 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items_iconlist_process_ozz_001 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\">\n<style>.kt-svg-icon-list-item-li_process_ozz_001 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-li_process_ozz_001\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"><\/path><polyline points=\"22 4 12 14.01 9 11.01\"><\/polyline><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Skontaktuj si\u0119 z doradc\u0105 Polisarium lub zadzwo\u0144: <strong>325 325 325<\/strong>.<\/span><\/li>\n\n<style>.kt-svg-icon-list-item-li_process_ozz_002 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-li_process_ozz_002\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"><\/path><polyline points=\"22 4 12 14.01 9 11.01\"><\/polyline><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Doradca pomo\u017ce wybra\u0107 optymalny wariant (15, 20 lub 30 lat) i Sum\u0119 ubezpieczenia.<\/span><\/li>\n\n<style>.kt-svg-icon-list-item-li_process_ozz_003 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-li_process_ozz_003\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"><\/path><polyline points=\"22 4 12 14.01 9 11.01\"><\/polyline><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Wype\u0142nisz ankiet\u0119 medyczn\u0105 wymagan\u0105 z uwagi na wysokie Sumy ubezpieczenia.<\/span><\/li>\n\n<style>.kt-svg-icon-list-item-li_process_ozz_004 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-li_process_ozz_004\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"><\/path><polyline points=\"22 4 12 14.01 9 11.01\"><\/polyline><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Podpiszesz umow\u0119 i op\u0142acisz pierwsz\u0105 sk\u0142adk\u0119 \u2013 ochrona zaczyna dzia\u0142a\u0107.<\/span><\/li>\n\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-idexcl_row_ozz_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idexcl_row_ozz_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idexcl_row_ozz_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idexcl_row_ozz_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idexcl_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idexcl_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idexcl_row_ozz_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-columnexcl_col_ozz_001 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-columnexcl_col_ozz_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columnexcl_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columnexcl_col_ozz_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columnexcl_col_ozz_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columnexcl_col_ozz_001{position:relative;}@media all and (max-width: 1024px){.kadence-columnexcl_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columnexcl_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columnexcl_col_ozz_001 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingexcl_heading_ozz_001, .wp-block-kadence-advancedheading.kt-adv-headingexcl_heading_ozz_001[data-kb-block=\"kb-adv-headingexcl_heading_ozz_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingexcl_heading_ozz_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingexcl_heading_ozz_001[data-kb-block=\"kb-adv-headingexcl_heading_ozz_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingexcl_heading_ozz_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingexcl_heading_ozz_001[data-kb-block=\"kb-adv-headingexcl_heading_ozz_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_excl_heading_ozz_001\">Najcz\u0119stsze wy\u0142\u0105czenia odpowiedzialno\u015bci<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Poni\u017cej typowe przyk\u0142ady wy\u0142\u0105cze\u0144. Dok\u0142adne brzmienie znajduje si\u0119 w OWU Nationale-Nederlanden.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_excl_ozz_001:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_excl_ozz_001 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_excl_ozz_001 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsiconlist_excl_ozz_001 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsiconlist_excl_ozz_001 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist exclusion-list kt-svg-icon-list-items kt-svg-icon-list-items_iconlist_excl_ozz_001 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\">\n<style>.kt-svg-icon-list-item-li_excl_ozz_001 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-li_excl_ozz_001\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"><\/line><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"><\/line><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Dzia\u0142ania sprzeczne z prawem lub usi\u0142owanie\/pope\u0142nienie samob\u00f3jstwa w okre\u015blonym w OWU okresie od zawarcia umowy.<\/span><\/li>\n\n<style>.kt-svg-icon-list-item-li_excl_ozz_002 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-li_excl_ozz_002\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"><\/line><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"><\/line><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Pozostawanie pod wp\u0142ywem alkoholu, \u015brodk\u00f3w odurzaj\u0105cych lub substancji psychotropowych, je\u015bli mia\u0142o to wp\u0142yw na zdarzenie.<\/span><\/li>\n\n<style>.kt-svg-icon-list-item-li_excl_ozz_003 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-li_excl_ozz_003\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"><\/line><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"><\/line><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Choroby i stany istniej\u0105ce przed zawarciem umowy, kt\u00f3re nie zosta\u0142y zg\u0142oszone w ankiecie medycznej.<\/span><\/li>\n\n<style>.kt-svg-icon-list-item-li_excl_ozz_004 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-li_excl_ozz_004\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"><\/line><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"><\/line><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Uprawianie sport\u00f3w wysokiego ryzyka lub udzia\u0142 w zawodach bez odpowiednich klauzul.<\/span><\/li>\n\n<style>.kt-svg-icon-list-item-li_excl_ozz_005 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-li_excl_ozz_005\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"><\/line><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"><\/line><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Prowadzenie pojazdu bez wymaganych uprawnie\u0144.<\/span><\/li>\n\n<style>.kt-svg-icon-list-item-li_excl_ozz_006 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-li_excl_ozz_006\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_xCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><line x1=\"15\" y1=\"9\" x2=\"9\" y2=\"15\"><\/line><line x1=\"9\" y1=\"9\" x2=\"15\" y2=\"15\"><\/line><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Udzia\u0142 w dzia\u0142aniach wojennych, aktach terroryzmu lub b\u00f3jce (z wyj\u0105tkiem obrony koniecznej).<\/span><\/li>\n\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-idfaq_row_ozz_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idfaq_row_ozz_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idfaq_row_ozz_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idfaq_row_ozz_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idfaq_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idfaq_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idfaq_row_ozz_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-columnfaq_col_ozz_001 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-columnfaq_col_ozz_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columnfaq_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columnfaq_col_ozz_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columnfaq_col_ozz_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columnfaq_col_ozz_001{position:relative;}@media all and (max-width: 1024px){.kadence-columnfaq_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columnfaq_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columnfaq_col_ozz_001 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingfaq_heading_ozz_001, .wp-block-kadence-advancedheading.kt-adv-headingfaq_heading_ozz_001[data-kb-block=\"kb-adv-headingfaq_heading_ozz_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingfaq_heading_ozz_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingfaq_heading_ozz_001[data-kb-block=\"kb-adv-headingfaq_heading_ozz_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingfaq_heading_ozz_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingfaq_heading_ozz_001[data-kb-block=\"kb-adv-headingfaq_heading_ozz_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_faq_heading_ozz_001\">Najcz\u0119\u015bciej zadawane pytania o ubezpieczenie Ochrona ze Zwrotem<\/h2>\n\n\n<style>.kt-accordion-idaccordion_faq_ozz_001 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:8px;}.kt-accordion-idaccordion_faq_ozz_001 .kt-accordion-panel-inner{border-top-width:0px;border-right-width:1px;border-bottom-width:1px;border-left-width:1px;border-color:var(--global-palette7, #EDF2F7);border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--global-palette9, #ffffff);padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-idaccordion_faq_ozz_001 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top-color:var(--global-palette7, #EDF2F7);border-right-color:var(--global-palette7, #EDF2F7);border-bottom-color:var(--global-palette7, #EDF2F7);border-left-color:var(--global-palette7, #EDF2F7);border-top-width:1px;border-right-width:1px;border-bottom-width:1px;border-left-width:1px;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--global-palette8, #F7FAFC);font-size:17px;font-weight:600;color:var(--global-palette3, #1A202C);padding-top:16px;padding-right:22px;padding-bottom:16px;padding-left:22px;}.kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette1, #3182CE);}.kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:var(--global-palette1, #3182CE);}.kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette8, #F7FAFC);}.kt-accordion-idaccordion_faq_ozz_001 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-idaccordion_faq_ozz_001 .kt-blocks-accordion-header:focus-visible{color:var(--global-palette3, #1A202C);background:var(--global-palette7, #EDF2F7);border-top-color:var(--global-palette7, #EDF2F7);border-right-color:var(--global-palette7, #EDF2F7);border-bottom-color:var(--global-palette7, #EDF2F7);border-left-color:var(--global-palette7, #EDF2F7);}.kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette1, #3182CE);}.kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:var(--global-palette1, #3182CE);}.kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette7, #EDF2F7);}.kt-accordion-idaccordion_faq_ozz_001 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-idaccordion_faq_ozz_001 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:var(--global-palette9, #ffffff);background:var(--global-palette1, #3182CE);border-top-color:var(--global-palette1, #3182CE);border-right-color:var(--global-palette1, #3182CE);border-bottom-color:var(--global-palette1, #3182CE);border-left-color:var(--global-palette1, #3182CE);}.kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette9, #ffffff);}.kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:var(--global-palette9, #ffffff);}.kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-idaccordion_faq_ozz_001:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette1, #3182CE);}@media all and (max-width: 767px){.kt-accordion-idaccordion_faq_ozz_001 .kt-accordion-inner-wrap{display:block;}.kt-accordion-idaccordion_faq_ozz_001 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:8px;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone kt-accordion-id_accordion_faq_ozz_001 kt-accordion-has-7-panes kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-arrow\"><div class=\"kt-accordion-wrap\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\">\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane-1 kt-pane-header-arrow-style\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-blocks-accordion-title\" type=\"button\" aria-expanded=\"true\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title-inner\">Czym jest ubezpieczenie Ochrona ze Zwrotem?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n\n<p class=\"wp-block-paragraph\">Ochrona ze Zwrotem to ubezpieczenie na \u017cycie od Nationale-Nederlanden, kt\u00f3re \u0142\u0105czy ochron\u0119 na wypadek \u015bmierci ze zwrotem wp\u0142aconych sk\u0142adek na koniec umowy. W zale\u017cno\u015bci od wybranego okresu (15, 20 lub 30 lat) odzyskujesz 50%, 75% lub nawet 100% wp\u0142aconych sk\u0142adek.<\/p>\n\n<\/div><\/div><\/div>\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane-2 kt-pane-header-arrow-style\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-blocks-accordion-title\" type=\"button\" aria-expanded=\"false\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title-inner\">Ile wynosi Suma ubezpieczenia?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n\n<p class=\"wp-block-paragraph\">Minimalna Suma ubezpieczenia to 100 000 z\u0142, a maksymalna to 400 000 z\u0142. W przypadku \u015bmierci Ubezpieczonego Nationale-Nederlanden wyp\u0142aci pe\u0142n\u0105 Sum\u0119 ubezpieczenia wskazanym osobom.<\/p>\n\n<\/div><\/div><\/div>\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane-3 kt-pane-header-arrow-style\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-blocks-accordion-title\" type=\"button\" aria-expanded=\"false\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title-inner\">Na jaki okres mog\u0119 zawrze\u0107 umow\u0119?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n\n<p class=\"wp-block-paragraph\">Umowa mo\u017ce by\u0107 zawarta na 15, 20 lub 30 lat. Im d\u0142u\u017cszy okres, tym wi\u0119kszy zwrot: 15 lat \u2013 50%, 20 lat \u2013 75%, 30 lat \u2013 100% wp\u0142aconych sk\u0142adek.<\/p>\n\n<\/div><\/div><\/div>\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane-4 kt-pane-header-arrow-style\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-blocks-accordion-title\" type=\"button\" aria-expanded=\"false\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title-inner\">Czy musz\u0119 wype\u0142ni\u0107 ankiet\u0119 medyczn\u0105?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n\n<p class=\"wp-block-paragraph\">Tak, ankieta medyczna jest wymagana z uwagi na wysokie Sumy ubezpieczenia dost\u0119pne w ramach tej umowy.<\/p>\n\n<\/div><\/div><\/div>\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane-5 kt-pane-header-arrow-style\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-blocks-accordion-title\" type=\"button\" aria-expanded=\"false\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title-inner\">Co si\u0119 stanie, je\u015bli rozwi\u0105\u017c\u0119 umow\u0119 wcze\u015bniej?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n\n<p class=\"wp-block-paragraph\">W przypadku wcze\u015bniejszego rozwi\u0105zania umowy nie otrzymasz pe\u0142nego zwrotu sk\u0142adek. Otrzymasz warto\u015b\u0107 wykupu, kt\u00f3rej wysoko\u015b\u0107 zale\u017cy od czasu trwania umowy. Szczeg\u00f3\u0142y znajduj\u0105 si\u0119 w tabeli zwrotu sk\u0142adek dost\u0119pnej w dokumentacji produktu.<\/p>\n\n<\/div><\/div><\/div>\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane-6 kt-pane-header-arrow-style\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-blocks-accordion-title\" type=\"button\" aria-expanded=\"false\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title-inner\">Czy sk\u0142adka jest sta\u0142a przez ca\u0142y okres?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n\n<p class=\"wp-block-paragraph\">Sk\u0142adka jest indeksowana \u2013 Nationale-Nederlanden proponuje jej podwy\u017cszenie wraz z Sum\u0105 ubezpieczenia, aby utrzyma\u0107 warto\u015b\u0107 pieni\u0105dza w czasie. Z indeksacji wy\u0142\u0105czonych jest 5 ostatnich lat okresu ubezpieczenia.<\/p>\n\n<\/div><\/div><\/div>\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane-7 kt-pane-header-arrow-style\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-blocks-accordion-title\" type=\"button\" aria-expanded=\"false\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title-inner\">Jak mog\u0119 zawrze\u0107 umow\u0119 Ochrona ze Zwrotem?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n\n<p class=\"wp-block-paragraph\">Skontaktuj si\u0119 z doradc\u0105 Polisarium pod numerem 325 325 325. Doradca pomo\u017ce wybra\u0107 optymalny wariant i Sum\u0119 ubezpieczenia dopasowan\u0105 do Twoich potrzeb.<\/p>\n\n<\/div><\/div><\/div>\n\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-idsummary_row_ozz_001 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-idsummary_row_ozz_001 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-idsummary_row_ozz_001 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-idsummary_row_ozz_001 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-idsummary_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-idsummary_row_ozz_001 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-idsummary_row_ozz_001 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-columnsummary_col_ozz_001 > .kt-inside-inner-col{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;}.kadence-columnsummary_col_ozz_001 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-columnsummary_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;}.kadence-columnsummary_col_ozz_001 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-columnsummary_col_ozz_001 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-columnsummary_col_ozz_001{position:relative;}@media all and (max-width: 1024px){.kadence-columnsummary_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-columnsummary_col_ozz_001 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-columnsummary_col_ozz_001 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-headingsummary_heading_ozz_001, .wp-block-kadence-advancedheading.kt-adv-headingsummary_heading_ozz_001[data-kb-block=\"kb-adv-headingsummary_heading_ozz_001\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-headingsummary_heading_ozz_001 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-headingsummary_heading_ozz_001[data-kb-block=\"kb-adv-headingsummary_heading_ozz_001\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-headingsummary_heading_ozz_001 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-headingsummary_heading_ozz_001[data-kb-block=\"kb-adv-headingsummary_heading_ozz_001\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading_summary_heading_ozz_001\">Dlaczego warto wybra\u0107 ubezpieczenie Ochrona ze Zwrotem?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ochrona ze Zwrotem od Nationale-Nederlanden to ubezpieczenie na \u017cycie, kt\u00f3re nie tylko zabezpiecza finansowo Twoich bliskich, ale r\u00f3wnie\u017c pozwala odzyska\u0107 wp\u0142acone sk\u0142adki. Suma ubezpieczenia od 100 000 do 400 000 z\u0142, trzy warianty okresowe (15, 20 lub 30 lat) ze zwrotem 50\u2013100% sk\u0142adek oraz indeksacja utrzymuj\u0105ca warto\u015b\u0107 pieni\u0105dza w czasie \u2013 to kompleksowe rozwi\u0105zanie \u0142\u0105cz\u0105ce ochron\u0119 z oszcz\u0119dzaniem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Skontaktuj si\u0119 z doradc\u0105 Polisarium: <strong>325 325 325<\/strong>.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"featured_media":2933,"template":"","meta":{"_acf_changed":true,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":""},"rodzaj-ubezpieczenia":[16],"class_list":["post-2934","ubezpieczenie","type-ubezpieczenie","status-publish","has-post-thumbnail","hentry","rodzaj-ubezpieczenia-ubezpieczenia-na-zycie"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - 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