Bezpieczna Pożyczka

About the insurance

Attractive insurance Bezpieczna Pożyczka (Safe Insurance) will ensure comprehensive support for you and your family in numerous unexpected circumstances.

If, at the time of concluding the insurance agreement, you are under 65, the insurance is available to you in Option 1 and will provide support in such situations as:

serious illness
death
job loss or hospitalization as a result of an accident
temporary inability to work or death as a result of an accident
total inability to work or disability as a result of an accident.

The insurance package will provide protection in all of the above events and will change automatically depending on your professional situation and current pension rights.

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

Serious illness

-

Loss of permanent sources of income OR Hospitalization as a result of an unfortunate accident*

Death as a result of an unfortunate accident

Temporary inability to work OR Death as a result of an unfortunate accident*

-

Total incapacity to work OR Invalidity as a result of an unfortunate accident*

Medical Assistance services

* The scope of protection in force when retirement or disability pension rights are acquired

Regulations

Concluding an insurance agreement is easy and quick!

You can use your insurance:

when concluding a loan agreement at a Bank branch or via Millenet,
during the term of the loan agreement if you have an uninsured cash loan at Bank Millennium, you can conclude an insurance agreement by submitting a signed form - Insurance contract application at any Bank Millennium branch.

The insurance premium depending on the option is:

for Option 1 - 0.3% of the loan amount granted together with the commission (if credited) monthly;
for Option 2 - 0.235% of the loan amount granted together with the commission (if credited) monthly.

For your convenience, the premium is added to the loan amount.

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 the conclusion of the Safe Loan insurance agreement in Option 1 and the indication of the Bank as entitled to all benefits under the insurance agreement will reduce the interest rate on your loan.

If you conclude an insurance contract in Option 1 at the time of concluding your cash loan agreement the Bank's commission for granting the loan will also be reduced.

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 Safe Loan Insurance Terms and Conditions applicable to insurance contract concluded from 12.11.2019. A summary of significant product features is included in the Product Card - Safe Loan Insurance.

The Bank offers insurance as a financial intermediary (Agent) in accordance with the Act of May 22 2003 on insurance mediation (Journal of Laws of 2014, item 1450 as amended). As an Agent, the Bank has powers of attorney issued by Insurer to perform agency activities on behalf and for the benefit of Insurers.

Important documents

Insurance documents archive

Additional products

Cash Loan

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Consolidation Loan

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