About the insurance

Attractive Loan under protection insurance will provide comprehensive support for you and your loved ones in many difficult random 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 job or death as a result of an accident
  • temporary inability to work or disability

As part of the Loan under Cover insurance, you can be sure of protection appropriate to your needs - the insurance package provides protection in all of the above events and changes automatically depending on your professional situation and current pension rights.

Why can you sleep peacefully with Pozyczka pod ochrona insurance?

In the event of any of the above events, the Insurers will pay out your part of the amount:

  • up to 12 installments, each increased by PLN 500, in the event of loss of a permanent source of income;
  • up to 36 installments, each increased by PLN 500 in the event of temporary inability to work;
  • 50% of the initial amount of the Loan in the event of death as a result of an accident;
  • initial amount of the Loan in the event of your death;
  • initial amount of the Loan and an additional benefit of PLN 27,000 in the event of serious illness;
  • 50% of the initial amount of the Loan, in case of your disability.

Additionally, Insurer will organize and cover the cost of Second Medical Opinion.

If you are over 65 years of age on the date of concluding the insurance contract, the insurance is available to you in Option 2 and will provide support in situations such as:

  • death
  • death due to an accident
  • medical assistance services

Regulations

Concluding an insurance agreement is easy and quick.

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.

Additional products

Cash Loan

Fast, easy and inexpensive. A simple way to carry out your plans.

Consolidation Loan

Save money by replacing several instalments paid to many banks with a single lower instalment.

How to get

Filing a claim

In the event of an event covered by insurance, before taking any action on your own, contact the Emergency Center immediately by calling (+48 22) 203 75 00, open 24/7