About the insurance

The insurance is offered in cooperation with Towarzystwo Ubezpieczeń na Życie Europa S.A. and proposed as a convenient form of securing the repayment of a mortgage loan and a mortgage loan for borrowers who are under 69 years of age on the date of submitting the application for concluding the insurance contract.

With insurance, you will provide yourself and your loved ones with financial security in the event of your death, as well as total inability to work and live independently due to an accident or illness.

Additionally, insurance from Europa na Życie S.A. Insurance Company. allows the diagnosis to be verified by world-class specialists in the facility of your choice, among the 3 recommended medical centers indicated by the Insurer. The issued opinion may confirm or change the diagnosis of a medical event. It also allows you to check whether the proposed treatment plan is correct and consistent with current medical knowledge in a given field.

The insurance premium

The insurance premium is only 0.035% of the sum insured and does not depend on your age.

The premium is payable monthly, but you do not have to remember the deadline for payment of insurance premiums - an order will be established to collect the premiums from the account to service the loan agreement.

Do you know how simple it is to conclude an insurance contract to secure loan repayment?

All you need to do is declare your willingness to take advantage of the insurance offer to secure the loan/mortgage loan at the stage of submitting the loan application at a Millennium Bank branch. You can also apply for insurance during Mortgage loan repayment. All you need to do is to contact Bank Millennium branch

If the Sum Insured under the "Życie pod ochroną " Insurance Agreements concluded by you does not exceed PLN 2 million, no medical examination is required.

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 71 72 70 226, open 24/7.

Additional information

Detailed rules for providing insurance coverage by the Insurer - Towarzystwo Ubezpieczeń na Życie Europa SA, including information on exclusions of the Insurer's liability, are included in the General Terms and Conditions of the "Life under protection" insurance. A summary of the important features of the product is included in the Product Card - "Życie pod ochroną" insurance.

The insurance contract is concluded by the Client with the Insurer through agents: Millennium SA (hereinafter: “the Bank”) and Europa Millennium Financial Services Sp. z o.o.

Bank Millennium S.A. with head office in Warsaw ul. Stanisława Żaryna 2A acting in the capacity of insurance agent 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 (https://rpu.knf.gov.pl/).

Europa Millennium Financial Services sp. z o. o. with head office in Wrocław ul. Generała Władysława Sikorskiego 26, 53-659, acting in the capacity of insurance agent as an exclusive agent for: TU Europa S.A. and TU na Życie Europa S.A. Europa Millennium Financial Services is listed under no. RA 11256036/A A in the Register of Insurance Agents kept by Polish Financial Supervision Authority (https://rpu.knf.gov.pl/).

Each agent has a proxy issued by Insurer to act on their behalf, and their employees performing agency activities have power of attorney issued by Agent. Detailed information about the Agent’s activity, 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 as an insurance agent has a proxy issued by Insurers to act on behalf of Insurers