Life insurance
Find your insurance policy in the nearest branch of Raiffeisen bank in the
Federation of BiH!
You need additional peace of mind for you and your family? Opt for life insurance which provides you with financial security and other benefits as well.
Advantages:
What can be covered by life insurance?
Endowment insurance - when the insurance term has expired, you will be paid the insured sum and the calculated share in the profit. Death insurance (death by disease or accident) - the insured sum (identical to the endowment amount) will be paid at the time of death together with the profit share calculated until then.
Why life insurance?
Because this insurance provides you with: Social function - it gives you peace of mind, financial security for you and your family, Financial benefits - it is a type of saving, where the accumulated funds will be paid out in case of endowment, Other benefits:
You can use your policy as a security (pledge purpose), you participate in the insurance
company's profit and are entitled to a loan, with additional access and permanent coverage in case of injury.
Types of life insurance that we offer
Death insurance with a fixed term, Endowment insurance with a fixed term, Whole life insurance, Combined insurance - death and endowment insurance with a fixed term.
Who should read this? The Classic insurance is for those customers who are looking for simple and safe investments. What is the age of eligibility for insured person? This
program insures people from 14 to 65 years of age. When will the insured amount be paid? The guaranteed insured amount is paid in case of endowment or death of the insured person.
Example: Ms. Vedrana M., a 35-year old administrative officer has agreed Classic program of 15 years. Based on her disposable income, she decided to pay BAM 100 a month. Upon
expiry of the policy, Ms. Vedrana M. will receive the sum of BAM 16,898.44, increased by accrued income for the entire 15-year term.
| Insured cases | Fee |
| Endowment insurance | 16.898,44 KM + total generated profit |
| Death insurance (death by disease or accident) | 16.898,44 KM + profit generated |
Who should read this?
The Comfort insurance is for all those who want to have savings and health insurance.
What is the age of eligibility for insured person?
This program insures people from 14 to 55 years of age.
When will the insured amount be paid?
The guaranteed amount is paid in case of endowment, death or one of 20 serious diseases.
Example: Mr. Esad B., a 30-year old economist, has agreed Comfort life insurance policy of 15 years. Based on his disposable income, he decided to pay BAM 100 per month. After expiry of the policy, Mr. Esad B. will receive the sum of BAM 16,773.27, increased by accrued income for the entire 15-year term.
| Insured cases | Naknada |
| Endowment insurance | 16.773,27 KM + total generated profit |
| Dread disease insurance | 16.773,27 KM + profit generated by that moment |
| Death insurance (death by disease or accident) | 16.773,27 KM + profit generated by that moment |
Who should read this?
The Comfort Dual insurance is for the customers who want financial and health security.
What is the age of eligibility for insured person?
This program insures two people from 14 to 55 years of age.
When will the insured amount be paid?
The guaranteed amount is paid in case of endowment, death or one of 20 serious diseases. Only the Comfort Dual program provides to the insured persons payments in case of a serious disease of insured person's child from 3 to 18 years of age (the beneficiary is paid 1/3 of the insured amount or maximum EUR 10,000).
Example:
Spouses, a 34-year old Goran, legal professional, and 24-year old Ada, merchant, decided to buy a 15-year Comfort Dual insurance policy. In accordance with their capacities, they decided to make monthly payments of BAM 100. Upon expiry of the policy, Goran and Ada will receive the sum of BAM 16,488.31, increased by accrued income
for the entire 15-year term.
| Insured cases | Naknada |
| Endowment insurance | 16.488,31 KM + total generated profit |
| Dread disease insurance | 16.488,31 KM + profit generated by that moment |
| Death insurance (death by disease or accident) | 16.488,31 KM + profit generated by that moment |
Who should read this?
It is for those who want to embark on an optimum form of savings and insurance, with the possibility of arranging policies regardless of the health condition or profession of insured persons.
What is the age of eligibility for insured person?
This program insures people from 14 to 65 years of age.
When will the insured amount be paid?
The insured amount will be paid out in full upon the policy maturity, and in the case of death, the premium paid by that moment.
Example:
Mrs. Sabina T., a 40-year old economist, bought a 20-year Capital Insurance policy and decided to set aside BAM 100.00 each month under this program. After expiry of the policy, Mrs. Sabina T. will receive the sum of BAM 23,545.70, increased by accrued income for the entire 20-year term.
Insured cases | Naknada |
| Endowment insurance | 23.545,70 KM + total generated profit |
| Death insurance (death by disease or accident) | premium paid by that moment + profit generated bythat moment |