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Pożyczka pod ochroną
Ensure financial security for you and your family
About the insurance
Attractive Pozyczka pod ochrona insurance will provide support for you and your family in numerous unexpected situations.
If you are under 65 years of age on the date of concluding the insurance contract, the insurance is available to you in Option 1 and will provide support in situations such as:
- critical illness,
- death,
- loss of a permanent source of income or death as a result of an accident,
- temporary inability to work or disability.
The insurer will also enable you to obtain a second medical opinion at a foreign medical facility.
If you are over 65 at the time of concluding the insurance agreement, the insurance is available to you in Option 2 and will provide support in situations such as:
- death
- death as a result of an accident
- medical assistance services.
Summary of the scope of protection depending on the variant:
Option 1
Option 2
Death
Death
Critical Illness
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loss of a permanent source of income OR Death as a result of an accident,
Death as a result of an accident
temporary inability to work* OR disability
Medical Assistance services
The insurer will also enable you to obtain a second medical opinion at a foreign medical facility.
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* The scope of protection in force when retirement or disability pension rights are acquired
Regulations
See how simple at easy it is to conclude insurance contract!
You can do it:
- while concluding loan contract at our branch or through Millenet
The insurance premium is:
- 0,424% of granted loan for Variant 1
0.344% of granted loan for Variant 2
For your convenience, the premium is charged from the loan repayment account every month, on the loan installment due date, separately from the installment.
The insurance is offered in cooperation with Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A.
Do you know that you can lower your cash loan interest rate with insurance?
According to the current Cash Loan Price List, concluding a Loan under protection insurance agreement in Option 1 and indicating the Bank as entitled to all benefits under the insurance agreement will reduce the interest rate on your loan. Cash Loan - you can find the details of the current offer here
Detailed rules for granting insurance coverage by Insurers - Towarzystwo Ubezpieczeń Europa S.A. and Towarzystwo Ubezpieczeń na Życie Europa S.A. including information on liability exclusions are included in the Loan under protection Terms and Conditions. A summary of significant product features is included in the Product Card – Loan under protection.
The Insurance Agreement shall be concluded by the Customer with the Insurers via Bank Millennium SA (hereinafter: “the Bank”), and Europa Millennium Financial Service (hereinafter: “EMFS”) acting in the capacity of insurance agents on behalf of multiple insurance companies. The Bank is listed under No. 11162860/A in the Register of Insurance Agents kept by Polish Financial Supervision Authority, EMFS is listed under No. 11256036/A in the Register of Insurance Agents kept by Polish Financial Supervision Authority (https://rpu.knf.gov.pl/). Detailed information about the Bank’s and EMFS’s activity as insurance agent required by the Act on insurance distribution, including fee information, principles for filing claims and complaints, and out-of-court settlement of disputes can be found in the Product Cards concerning this insurance, including Insurance Agent information. Bank and EMFS as an insurance agents have a proxy issued by Insurers to act on behalf of Insurers.
Important documents
- link opens in a new window Insurance Terms & Conditions "Pożyczka pod ochroną" for insurance agreements purchased from 01.04.2025 - in Polish
- link opens in a new window Product Card – "Pożyczka pod ochroną" for insurance agreements purchased from 01.04.2025 – in Polish
- link opens in a new window Pełnomocnictwo do administrowania umowami ubezpieczenia TU Europa S.A.
- link opens in a new window Pełnomocnictwo do administrowania umowami ubezpieczenia TU na Życie Europa S.A.
- link opens in a new window Pełnomocnictwo Banku – TU na Życie Europa S.A. - in Polish
- link opens in a new window Pełnomocnictwo Banku – TU Europa S.A. – in Polish
- link opens in a new window Insurance product information document for insurance agreements purchased from 01.04.2025 - in Polish
- link opens in a new window Information about data processing by the Administrator – Insurer
- link opens in a new window Complaints processing rules in Europa Group
Additional products
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Cash Loan
Fast, easy and inexpensive. A simple way to carry out your plans.
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Consolidation Loan
Save money by replacing several instalments paid to many banks with a single lower instalment.
How to buy insurance
- Online application
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If you are not our Client, open Millennium 360° account.
If you are our Client, fill in the form.
- TeleMillennium
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- In our branches
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