When you cannot work, you have coverage that works for you.

The ability to work is what allows us to earn a living with dignity and maintain an active, full, and stable daily routine. No one can predict when or how their work capacity may be affected, whether due to an accident or an illness, and whether partially or fully. What we do know is that in such situations, it is essential to have a “backup plan” that protects our family and us from the loss of income caused by the inability to work.

Disability Insurance is exactly that backup plan, designed for situations in which your ability to work and earn an income is partially or fully reduced. This insurance coverage provides a reliable way to receive a monthly payment as a replacement for your salary – a source of income that helps you and your family continue your normal routine without financial collapse.

How does it work?

• Disability insurance is paid to an insured person who was working until the insurance event (illness or accident) and, as a result of that event, has lost at least 75% of their ability to work in any occupation they worked in before the event, or in another reasonable occupation that matches their education and experience.

• The monthly benefit is paid after a 1- or 3-month waiting period, as long as the insured remains unable to work, or until the end of the coverage period chosen at the time of joining the policy (coverage end age: 60–67).

• In the case of loss of earning capacity, the insured will be exempt from paying premiums.

• If the insured is unable to work in their original job but works in another job, partial or full income compensation will be paid based on the reduction in their earnings.

• Compensation will be paid for partial loss of work capacity until the end of the disability period or the end of the insurance term, whichever comes first.

We wish you pleasant, safe, and fulfilling work, with only positive events