Why do you need the Garant Individual insurance?

The Garant Individual life insurance product is a unique insurance package on the market at this time. It provides financial protection to Your family in case of an unfortunate event, however, it is also a flexible package that you can perform according to Your future plans.

Who can be insured?

• Persons for whom the safety of their family, of their loved ones, or the continuity of their business is a priority;
• Persons who want to guarantee the financial safety of their loved ones and who also require a varied offer and protection efficiency on the occurrence of health issues during the active term;
• Persons with ages between 16 and 75.

How many years can I be insured for and for what amounts?

• The term can be set between 1 and 59 years;
• The price for this type of policy is extremely advantageous, as the value of a minimum annual premium is only lei 200;
• You can select the term and the insured amounts according to Your plans.

Can I change the insured amount during the contract term?

• Of course, you can change both the insured amounts for the basic insurance, as well as for the additional provisions.
• You can change both the premium payment frequency, and the value of the insurance premiums. The insurance provisions shall be changed accordingly.
• Did you not attach additional provisions on the policy conclusion? You can also attach them during the contract development, on the payment due dates.
• You can assign the policy in favor of a bank at any time, when contracting a loan.
• Do you believe the product no longer meets Your requirements and wish to change it? You can replace the product with another one, preserving the surrender value.

Additional protection - Expanding the coverage provided by the multiple risk policy by attaching additional provisions:

• Death caused by an accident
• Permanent disability caused by an accident
• Death or permanent disability caused by an accident
• Serious disorders
• Hospitalization due to an accident
• Hospitalization due to any cause
• Surgery due to an accident
• Surgery due to any cause
• Fractures and burns due to an accident
• Permanent and total disability due to any cause
• Permanent and total disability due to an accident
• Premium payment exemption.

Garant Individual has a series of competitive advantages that make it more attractive compared to other similar products on the market:

• You may opt for changes at any time during the contract development: changing the insured amount, the insurance premium, the payment frequency;
• Short, average and long term financial protection of the family;
• You have the option of changing the contract term;
• The product offers a surrender value, unlike similar products on the market;
• You can fully or partially surrender the contract, after 3 years of the constant validity thereof
• You may replace an insurance product with another, by preserving the surrender value;
• Natural person beneficiaries may collect the compensation as annuities (periodical payments) and the payment frequency shall also be established by the beneficiary;
• You can expand benefits to your family (spouse/children) in the following cases: hospitalization, surgery, fractures and burns;
• You benefit from Risks that are covered worldwide (death, disability);
• Protection shall even be maintained when you are unable to work due to an accident or to illness. Astra pays the insurance premiums in Your account and you shall continue to benefit from the coverages offered in the policy. All you need to do is opt for the attachment of the premium payment exemption provision!
• The insured amount shall be adapted according to your needs;
• The insurance premium may be paid periodically: annually, quarterly and even monthly or only once, on the contract conclusion date. The lower the payment frequency, the higher discount you get;