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Loan repayment insurance

Protection against inability to repay a loan.

This is why you’ll like it

Safety

Financial protection and security during the loan repayment period

Great terms

High level of protection with affordable premiums

Scope of coverage

Various coverage depending on the loan type and repayment period

Insurance range


As an insurance intermediary and in cooperation with Generali osiguranje, Privredna banka Zagreb provides loan repayment insurance for:

  • housing and consumer loans
  • non-purpose loans
  • quick cash loans
  • loans under cash loan agreements with repayment by a card issued by PBZ Card d.o.o.

Security and protection

Taking a loan that you may not be able to repay? Take out loan repayment insurance providing you security in the event of sudden financial difficulties.

  • security of the borrower and his/her family
  • peace of mind and more secure future
  • affordable insurance premiums
  • take out a policy quickly and easily in any PBZ branch office

In the event of unwanted life situations such as prolonged sick leave, unemployment (layoff) or work disability, the insurance provider assumes the annuity/instalment repayment obligation for a specified period, depending on the loan type.

 

Housing consumer loan

Housing consumer loan

Housing Consumer Credit Insurance (CPI)

 

Characteristics

By concluding a homeowner's insurance policy, the borrowers are protected against the inability to repay the loan that may result from:

  • death
  • permanent total inability to work
  • temporary total inability to work (sick leave)
  • unemployment (due to dismissal)
  • serious illness

The product is intended exclusively for the beneficiaries of newly approved home loans, which offers the possibility of contracting the loan beneficiary's insurance as one of the loan security instruments.

Packages

We offer two packages with different combinations of coverage:

  • Standard coverage A - covers the risks of death and permanent complete inability to work
  • Full C coverage - covers the risks of death and permanent complete incapacity for work, sick leave, serious illness and unemployment.

In case of death or permanent complete incapacity for work, Generali osiguranje d.d. will pay the full amount of the outstanding principal amount of the loan determined at the date of the occurrence of the insured event (maximum principal amount of EUR 250,000 / HRK 2,000,000).

In case of temporary complete incapacity for work and unemployment of the borrower (due to cancellation), Generali osiguranje d.d. assumes repayment of up to 12 monthly annuities / installments per damaging event, and a maximum of 36 annuities / installments in total for the duration of the insurance.

In the event of a serious illness of the borrower, Generali osiguranje d.d. assumes repayment up to a maximum of 36 monthly annuities / installments per single adverse event.

Benefits of homeowners' homeowners insurance policies

  • cover in case of all the above risks
  • security for the loan user and his family
  • simple and fast contracting of insurance policy
  • favorable insurance premium
  • payment of damages regardless of the existence of other policies

Duration of insurance and premiums

  • the policy is made for the duration of the loan repayment
Non-purpose loan

Non-purpose loan

Non-Purpose Loan Insurance (CPI)

 

Characteristics

The loan beneficiary's insurance policy gives you security when contracting a non-purpose loan and makes it easier to repay a contract loan in the event of:

  • death (as a result of an accident or illness)
  • temporary inability to work (sick leave)

In case of insured event occurrence due to the death of the insured, Generali osiguranje enables the repayment of the loan by closing the loan, while in case of temporary inability to work (sick leave), it will pay up to 9 monthly annuities / installment per one adverse event, max. 18 monthly annuities / installments for the total insurance term.

Benefits

  • coverage for the death and long-term sickness of the insured, the loan beneficiary
  • security for the loan user and his family
  • affordable insurance premium simple and fast insurance contracting
  • payment of damages regardless of the existence of other policies

Duration of insurance

The maximum term of insurance is equal to the maximum repayment period of a non-purpose loan - 120 months.

 

 

Cash credit with PBZ Card Issuer

Cash credit with PBZ Card Issuer

Insurance of the loan beneficiary under the Cash Loan Agreement with repayment card through the card issued by PBZ Card d.o.o.

 

Characteristics

Credit Beneficiary Insurance Policy under the Cash Loan Agreement with Card Payment Issued by PBZ Card d.o.o. secures the obligation of the insured arising from the Cash Loan Agreement with repayment card through the card issued by PBZ Card d.o.o. in the case of the following risks:

  • temporary total inability to work (sick leave)
  • termination of employment (dismissal).

In case of temporary total incapacity for work (sick leave), the insurer assumes the obligation to repay the loan up to a maximum of 9 monthly annuities per one adverse event, and a maximum of 18 for the total duration of the insurance.

Due to termination of employment (termination) during the loan repayment period, the insurer assumes the obligation to repay the loan up to a maximum of 9 monthly annuities per one adverse event, multiple repetition of the unemployment case is covered.

Duration

The policy is concluded for the duration of the loan repayment, voluntarily, during the realization of the loan.

Benefits

  • coverage in case of cancellation or longer sick leave of the insured person, ie the loan beneficiary
  • additional security for the loan user and his family in the event of unforeseen events
  • simple and fast contracting of insurance policy
  • favorable insurance premium
  • payment of damages regardless of the existence of other policies
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