Additional security
For the borrower and his/her heirs
payment of the remaining portion of the loan in the event of permanent total incapacity for work or death.
Insurance coverage
Three packages
differing in the number of insurance coverages activated.
Taking out the insurance policy is quick and easy
Up to a sum insured of 75,000 EUR
without filling out a health questionnaire and regardless of the gender and age of the borrower.
LIFE INSURANCE FOR BORROWERS OF HOUSING LOANS FEATURES
A housing loan is a long-term commitment, and life can surprise you with an unfortunate event that can affect your ability to repay your loan. Getting a Life insurance is getting a guarantee that you will be able to repay
THREE LIFE INSURANCE PACKAGES
The packages differ in the number of insurance coverages activated:
|
PACKAGE 1 |
|
insurance in case of death |
| PACKAGE 2 |
|---|
|
insurance in case of death |
|
additional insurance in case of total and permanent incapacity for worki |
| PACKAGE 3 |
|---|
|
insurance in case of death |
|
additional insurance in case of total and permanent incapacity for work |
|
additional insurance in case of temporary total incapacity for work |
INDICATIVE CALCULATION WITH MONTHLY INSURANCE PREMIUM
The insurance premium is payable in monthly, quarterly, semi-annual or annual installments via direct debit of a personal account held with SKB.
Housing loan maturity = 10 years duration of insurance
|
SUM INSURED |
PACKAGE 1 |
PACKAGE 2 |
PAKET 2 |
|---|---|---|---|
|
30.000 EUR |
11,33 EUR |
14,20 EUR |
18,04 EUR |
|
50.000 EUR |
18,21 EUR |
22,83 EUR |
29,07 EUR |
|
75.000 EUR |
26,81 EUR |
33,63 EUR |
42,85 EUR |
* The minimum monthly insurance premium is EUR 10.
INSURANCE COVERAGE UP TO THE SUMS SPECIFIED IN THE INSURANCE POLICY
The sums are limited upwards by:
The repayment of the remaining housing loan debt (up to EUR 250 000), should one of the following events occur:
- the death of the borrower - with this insurance coverage, in the event of the death of the insured person (borrower) during the insurance period, the insurance company undertakes to pay a sum equal to the remainder of the debt in the remaining amount for payment from the credit agreement on the day of the death of the insured person. The insurance company provides coverage in the event of death,
- total and permanent incapacity for work as a result of illness or injury - with this insurance coverage, the insurance company undertakes to pay an amount equal to the remainder of the debt deriving from the credit agreement, in the event of an illness or injury suffered by the insured person during the insurance period, resulting in total and permanent incapacity for work, on the date when the insured person’s category I disability was confirmed by the Pension and Disability Insurance Institute of Slovenia.
.
The repayment of monthly housing loan installments (up to a maximum of EUR 1,500 per installment) if the following insured event occurs:
- temporary total incapacity for work as a result of illness or injury suffered by the insured person (borrower) during the insurance policy period, resulting in temporary total incapacity - the insurance company undertakes to pay the beneficiary a monthly sum equal to the monthly installment of the loan (which includes a portion of the principal and the interest) for the duration of the temporary total incapacity. The insurance coverage for temporary total incapacity begins only after the expiry of the exclusion period after the occurrence of the insured event for a period of 60 days.
Make an appointment with an individual relationship officer
Your individual relationship officer will wait for you in the outlet on the agreed upon date and time.
With his help, you will be able to arrange everything quickly and easily.
Frequently asked questions
How do I choose the right personal insurance for me?
Personal safety should not depend on unforeseen events and luck. When deciding on the right personal insurance for you, you have to follow all the necessary steps carefully, as this is the only way to
ensure you are really protected.
Creating your own personal financial security strategy can be compared to building a house. You need to start at the foundation, but you must not skip any of the intermediate stages if you want your house to be stable and firm.
1. PROTECTION
First and foremost, you need to protect your financial security in order to protect yourself and your loved ones from any loss of income due to unforeseen events. This is particularly important if you are a borrower, because by purchasing the right life insurance, you can protect your loved ones, and make sure that you can actually repay your loan yourself, no matter what happens in your life.
Choosing the right life, accident and health insurance products can give you a high level of security:
- accident insurance,
- insurance for the case of the borrower’s unemployment,
- life insurance for borrowers of housing loans,
- life insurance for borrowers of consumer loans,
- Best Doctors Insurance.
2. SAVING
By upgrading your basic protection, you can save additional funds that you will need in the future.
Classic life insurance offers the option of a basic upgrade that you can add to your basic protection. This type of insurance gives you the security of a guaranteed payout in the form of the sum insured. Therefore, it doesn’t represent an investment risk, which means you can use it as a long-term form of savings, which in addition to security provides you with a guaranteed payout after the end of the savings period and a tax advantages.
It's good to know
whom you trust your finances
SKB bank
- Excells in safety, stability and reliability in Slovene banking space.
- Part of OTP Group, one of the biggest and most stable financial services providers in Central and Eastern Europe.
- Trusted by more than 200.000 clients.
What do our clients say about us?
I have been a satisfied client since 2003. What I like most are personal approach and responsiveness – my individual relationship officer instantly finds a favourable solution for each of my financial challenges. I would also like to point out the mobile bank; these days I could not imagine my everyday life without it.
SKB bank keeps pace with the trends. It provides its users with online and mobile banking which makes our business easier and also simplifies dealing with our personal account, while paying invoices is quick and easy. Employees in bank branches are nice, helpful and willing to solve every issue.
Flik immediate free transfers
Pay with Flik - anytime, anywhere:
- Simple- all you need is a mobile phone number
or an e-mail of the recipient. - Quick- money is in the account in a few seconds.
Even outside the bank's working hours. - Secure- the same level of security as for payments through
the mobile bank or internet bank.
