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Life insurance ↗
Voluntary |
Life insurance is a program that will protect our loved ones from the possible financial difficulties a family may face due to the death of the breadwinner. In the event of the death of the Insured person, the Insurance Company will pay the Beneficiaries (heirs) the sum insured, which is especially needed in such difficult and unexpected moments.
1. Insurance period – from 2 to 20 years; | 2. The sum insured is determined by the policyholder (the client), after which the insurance company calculates the insurance premium. The insurance premium depends on the sum insured, the age of the insured person, the insurance period and the payment schedule of contributions; | 3. Contributions may be paid in any convenient way: in a lump sum, annually, semi-annually, quarterly or monthly; | 4. The sum insured is paid in the event of death of the insured person (insured event) to the beneficiary designated by the insured person or to the heirs of the insured; | 5. Age of insured persons – from 18 to 60 years, maximum age at the end date of the insurance term – 65 years. |
Calculated on the company’s website |
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Accident insurance ↗
Voluntary |
Life is full of events and urgent matters, and all sorts of things can happen. For exactly such unforeseen situations we offer an accident insurance product. Even a minor injury entails the expense of visiting a doctor and buying medication and, sometimes – if the injury is more serious – a long stay on sick leave.
This policy includes coverage in the event of traumatic injuries (or other impairment of the health of the Insured Person, including that which resulted in a temporary reduction of income, if such a condition is provided for in the Insurance Contract), persistent damage to health (disability) or death of the Insured Person. Upon the occurrence of an insured event, the insurance company makes an insurance payment as a percentage of the insured sum depending on the severity of the injury. Naturally, the higher the insured sum chosen when purchasing the policy, the larger the payouts will be, even for minor injuries. |
Calculated on the company’s website |
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Accident insurance for athletes ↗
Voluntary |
Sport is a field of activity that, one way or another, involves the possibility of sustaining injuries. The athlete accident insurance product is aimed at protecting the material interests of persons engaged in sports on a professional basis. The athlete accident insurance policy provides insurance coverage for the duration of competitions or training sessions (training camps).
This policy covers traumatic injuries, harm to health or death of the insured person. When an insured event occurs, the insurance company makes an insurance payment as a percentage of the sum insured, depending on the severity of the injury. Naturally, the higher the sum insured chosen when purchasing the policy, the larger the payouts will be, even for minor injuries. |
Calculated on the company’s website |
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Individual life insurance of the borrower ↗
Voluntary |
Insurance contracts are concluded with individuals who are sole borrowers under a loan agreement.
The insurance period is determined in accordance with the term of the loan agreement; | Age of insured persons – 18 — 60 years, maximum age at the end date of the insurance term – 65 years. | The sum insured is determined in accordance with the loan amount. As the insured person repays the loan, the sum insured decreases and corresponds to the insured person's outstanding principal debt. | The insurance premium may be paid in a lump sum or annually; | The sum insured is paid to the credit institution in the event of death or the assignment of Group I disability of the insured person as a result of an accident (insured event); |
Calculated on the company’s website |
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Ta‘lim ↗
Voluntary |
This type of insurance will help you solve the question of securing funds by the time your child (or you yourself) enters an educational institution, regardless of any unforeseen circumstances that may occur. Reliable insurance protection is provided throughout the entire insurance term, and if the family loses its breadwinner (the Policyholder), the child will still receive the agreed amount by the time of entering the educational institution and will be provided with the necessary funds.
Insurance period – from 13 months to 20 years; | The amount of the Sum insured is determined by the Policyholder (client), after which the Insurance company calculates the Insurance premium. The amount of the Insurance premium depends on the Sum insured, the age of the Insured person, the insurance period and the payment schedule of contributions. | Contributions can be paid in any convenient way: in a lump sum, annually, semi-annually, quarterly or monthly; | The sum insured is paid upon (insured events): | — the child's admission to an educational institution (university, vocational college, academic lyceum, school); | — the child reaching the age specified in the Insurance policy (if the child was unable to enter within the specified period). | The amount of the sum insured in the above cases equals the total of all contributions paid plus an additional bonus from the Company. | Additional coverage for the Parent: | If during the insurance period the Parent dies and is unable to pay all the agreed contributions, the Insurance company will still pay the entire amount that was to be paid by the Parent (without the bonus). | Age of Parents – 18 — 60 years, maximum age at the end date of the insurance term – 65 years. |
Calculated on the company’s website |
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Nikoh ↗
Voluntary |
This type of insurance will help you resolve the question of providing financial means by the time your child (or you yourself) gets married, regardless of unforeseen circumstances that may occur. Throughout the entire insurance term reliable insurance protection is provided, and even if the family loses its breadwinner (the policyholder), the child will still receive the agreed sum by the time of the wedding and will be provided with the necessary funds.
Insurance period – from 13 months to 20 years; | The amount of the Sum insured is determined by the Policyholder (client), after which the Insurance company calculates the Insurance premium. The amount of the Insurance premium depends on the Sum insured, the age of the Insured person, the insurance period and the payment schedule of contributions. | Contributions can be paid in any convenient way: in a lump sum, annually, semi-annually, quarterly or monthly; | The sum insured is paid upon (insured events): | — the child's marriage; | — the child reaching the age specified in the Insurance policy (if the child married within the specified period). | The amount of the sum insured in the above cases equals the total of all contributions paid plus an additional bonus from the Company. | Additional coverage: | — If during the insurance period the Parent dies or becomes disabled (Group I) and is unable to pay all the agreed contributions, the Insurance company will still pay the entire amount that was to be paid by the Parent (without the bonus); | — At the client's request, accident coverage for both the Parent and the Child may also be included in the insurance terms. | Age of Parents – 18 — 60 years, maximum age at the end date of the insurance term – 65 years. |
Calculated on the company’s website |
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Bonus ↗
Voluntary |
Long-term life insurance with a bonus payment is a unified program aimed at providing insurance protection for a long-term period. The main essence of life insurance with a bonus payment is to provide reliable insurance protection combined with the opportunity to build monetary savings and ensure future financial stability.
Insurance period – from 13 months to 20 years; | The sum insured is determined by the policyholder (the client), after which the insurance company calculates the insurance premium; The insurance premium depends on the sum insured, the age of the insured person, the insurance period and the payment schedule of contributions. | Contributions may be paid in any convenient way: in a lump sum, annually, semi-annually, quarterly or monthly; | The sum insured is paid in the event of (insured events): | survival until the end of the contract term; | death of the insured person; | Age of insured persons — from 18 to 60 years, maximum age at the end date of the insurance term — 65 years. |
Calculated on the company’s website |
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Sarmoya ↗
Voluntary |
The «Sarmoya» insurance product is a unified program whose main purpose is to build up monetary savings and ensure future financial stability.
Insurance period – from 13 months to 20 years; | The sum insured is determined by the insured person (the client), after which the insurance company calculates the insurance premium; | The insurance premium depends on the sum insured, the age of the insured person, the insurance period and the payment schedule of contributions; | Contributions may be paid in any convenient way: in a lump sum, annually, semi-annually, quarterly or monthly. | The sum insured is paid: | upon survival of the insured person (the beneficiary) until the end of the contract term. | Age of insured persons — from 18 to 60 years, maximum age at the end date of the insurance term — 65 years. |
Calculated on the company’s website |
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Farovon ↗
Voluntary |
The "Farovon" insurance product is a unified program aimed at providing insurance protection for a long-term period. The main essence of the "Farovon" insurance product is to provide reliable insurance protection combined with the opportunity to build up savings and ensure future financial stability.
Insurance period – 370 days; | The sum insured is determined by the insured person (the client), after which the insurance company calculates the insurance premium; | The insurance premium depends on the sum insured, the age of the insured person, the insurance period and the payment schedule of contributions; | The sum insured is paid in the event of: | survival of the insured person (the beneficiary) until the end of the contract term; | death of the insured person during the insurance period from any cause, except for cases specified in the Insurance Rules; | Age of insured persons – from 18 to 60 years, maximum age at the end date of the insurance term – 65 years. |
Calculated on the company’s website |
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Daromad ↗
Voluntary |
The «Daromad» insurance product is a long-term insurance programme with a savings component. By purchasing this product, you get reliable insurance protection and the opportunity to build up a cash fund without straining the family budget.
1. Insurance period – 370 days; | 2. The amount of the sum insured is determined by the Insured person (client), after which the Insurance company calculates the insurance premium; | 3. The amount of the Insurance premium/Contributions is set based on the amount of the Sum insured and the frequency of contribution payments; | 4. The insurance premium may be paid as a lump sum or periodically, by making insurance contributions monthly, as agreed between the Policyholder and the Insurer: | • When insurance contributions are paid monthly, the bonus on the total insurance premium is 4% | • When insurance contributions are paid as a lump sum, the bonus on the total insurance premium is 7% | 5. The sum insured is paid: | • if the Insured person (Beneficiary) survives to the end of the contract term. In this case, the sum insured equals the sum of all contributions paid plus an additional bonus from the Insurance company. | • In the event of death, the sum insured equals 95% of the sum of insurance contributions actually paid. |
Calculated on the company’s website |