Level of coverage

on an individual basis: the total sum insured in the event of death is set on an individual basis, which allows the adjustment of coverage level e.g. up to the amount of your loan.

Coverage period

starting already from 1 year: option to purchase an insurance for a period of only 1 year.

Possibility of creating your own protection plan:

basic agreement only with the risk of “death of the insured person” plus the Additional Insurances Program allowing the adaptation of the scope of coverage to your individual needs and expectations.

Assistance in the event of 28 serious medical conditions

e.g. cancer, heart attack, stroke, multiple sclerosis, transplant of major organs, severe burns, as well as in the event of disability (within the framework of the Additional Insurances Program).

Coverage already during the examination of the application,

even PLN 100,000 without any additional charges; coverage for the event of death as a result of an accident is provided already as of the next day after the payment of the first insurance premium (provisional coverage).

Home budget assistance

also in the case of hospitalization or surgical procedure (within the framework of the Additional Insurances Program).

Possibility of adapting the coverage level

to the current life situation: possibility of increasing the sum insured, as well as of the premium amount in the case of e.g. marriage, childbirth.

Online access to the insurance policy

the WartaNet application allows you to look up the terms of the agreement and e.g. scope of insurance, deadlines and amount of due premiums.

Fast and simple way

to report an event reporting online via website www.warta.pl.

Insurance coverage

around the clock and all over the wold

Coverage scope

You determine the required coverage scope i.e. for which events you would like to insure yourself and your beloved ones.

Total sum insured

You set the total sum insured i.e. the maximum amount which you may receive in case of a given event.

Term of insurance

You indicate the term of insurance which is optimal for you, as long as it is not shorter than one year.

Frequency of premium payments

You choose the frequency of premium payments, which may be changed after each year of insurance policy.

Any person to be entitled to receive the benefit payment

You indicate any person you wish to be entitled to receive the benefit payment in case of death; in case of health problems it will be You who shall receive the benefit payment.

When deciding on coverage within the framework of the Additional Insurances Program you may ensure financial security for yourself or for your beloved ones in the following events:

  • Success death of the insured person as a result of an accident
  • Success death of the insured person as a result of a traffic accident
  • Success permanent disability of the insured person as a result of an accident
  • Success permanent health impairment of the insured person as a result of an accident
  • Success hospitalization of the insured person
  • Success surgical procedure for the insured person
  • Success serious illness of the insured person

Within the scope of an additional agreement of WARTA Medical Assistance, you may benefit from quick assistance in the event of Your, Your child’s or spouse’s sudden illness, and for example a doctor visit is required..

Statistics worth considering:

Number of road accidents in 2014, including 3,202 fatalities and 42,545 injured persons 34 970
Cancer incidence among men in 2012, increase by 223% over 20 years 76 326
Cancer incidence among women in 2012, increase by 248% over 20 years 76 493
Number of deaths as a result of heart attack in 2009 16 214
% of the population hospitalized in 2009 11%
Expenses of households for rehabilitation in 2012 649 mln PLN
Expenses of households for medical services in 2012 7 649 mln PLN
Expenses of households for therapeutic devices in 2012 1 304 mln PLN
Average monthly disability pension for incapacity for work paid out by the Social Insurance Institution between 2013 and 2014 1 536 PLN

Statistical data based on the data from the website of the Central Statistical Office of Poland [GUS], police, Social Insurance Institution [ZUS], National Cancer Register [KRN].

Important informations

The Platinum Coverage Plus and the Additional Insurances Program — the Protection Plus Program are individual term life insurances (TUnŻ) of “WARTA” S.A. Details concerning the insurance, such as the rules of benefit payments, the limitation and waiver of liability of the Insurer are contained in the General Terms and Conditions of the Individual Term Life Insurance Platinum Coverage Plus, as well as in the General Terms and Conditions of the Additional Insurances Program — Protection Plus Program, available at the Citi Handlowy branches, as well as at www.warta.pl

An additional agreement within the scope of the Protection Plus Program is concluded on the basis of a separate application. The insured sum and premium by virtue of the additional insurances are determined individually.

The insurer may refuse to provide the benefits in the cases described in the General Terms and Conditions of the Individual Term Life Insurance Platinum Coverage Plus, as well as the General Terms and Conditions of Insurance Additional Insurances Program — Protection Plus Program, e.g. in the event that the insured person commits suicide within 2 years as of the date of the insurance agreement.

The Bank operates as an insurance agent performing agency activities for Towarzystwo Ubezpieczeń na Życie WARTA S.A. entered in the register of insurance agents kept by the Polish Financial Supervision Authority. The Customer may check the registration of the Bank in this registry by way of submitting a respective application to the Polish Financial Supervision Authority, in particular in writing or by phone. The Bank operates for many Insurers within the framework of the same insurance department — more information is available at the Bank, at the Customer’s request. The scope of Bank’s obligations includes in particular notifying Policyholders with respect to the terms and conditions of the insurance, as well as the rules of concluding the Agreement.

This material does not contain complete information and does not constitute an offer within the meaning of Article 66 of the Civil Code

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