Pożyczka pod ochroną

Ensure financial security for you and your family

About the insurance

Attractive insurance “Pożyczka pod ochroną” (Loan under protection) 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:

  • critical illness,
  • death,
  • hospitalization caused by accident or sickness,
  • loss of work or death caused by accident,
  • temporary incapacity to work or disability or covering costs of rehabilitation or rehabilitation equipment.

Insurer will also allow you to receive second medical opinion in foreign medical facility.

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
Death
Serious illness
-
hospitalization caused by accident or sickness
Death as a result of an unfortunate accident
loss of work or death caused by accident
-
temporary incapacity to work or disability or covering costs of rehabilitation or rehabilitation equipment
Medical Assistance services

Insurer will also allow you to receive second medical opinion in foreign medical facility

* 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 is:

  • 0.31% 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 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

How to buy insurance

Online application

If you are not our Client, open Millennium 360° account.

If you are our Client, fill in the form.

Call us

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