Ability to repay Consumer loanTB insurance
Ideal solution for the cases of unforeseen life events that may result in an inability to repay a loan.

Arrangement without health condition examination

Help at a long-term loss of income

Insurance coverage of death, disability, inability to work and the loss of employment

Attractive monthly premium
Tatra banka, a.s., Hodžovo nám. 3, 811 06 Bratislava performs financial intermediation as a tied financial agent registered in the NBS register under reg. no. 34945 for UNIQA pojišťovna, a.s., pobočka poisťovne z iného členského štátu, Krasovského 3986/15, 851 01 Bratislava.
The benefits of the ability to repay Consumer LoanTB insurance
Repayment of a loan is a commitment for many years. Insure your loan and get rid of needless worries caused by an unforeseen life situation that may lead to a reduced ability to repay a loan. Basing on your choice of coverage you may ensure the repayment of the balance of your debt or get help with its repayment in the case of reduced income due to full disability.
Benefits:
- Easy arrangement at the branch of the bank or also via DIALOG Live, Tatra banka app or Internet bankingTB together with the loan agreement
- Automatic restriction of disposal rights to the amount of insurance claim
- Possibility to select the scope of insurance coverage
- Arrangement without health condition examination
- Insurance covering 100 % of the loan
- Attractive monthly premium
Insurance parameters
- The insured person is a debtor whose life or health is covered by the insurance policy
- The entrance age of the insured person is 18 - 65 years
- Possibility to cover death, full disability, incapacity for work and the loss of employment
- Monthly premium constitutes a percentage of the monthly payment of the loan and the amount of the premium remains the same during the whole period
- During the insurance period the insurance coverage copies the repayment of loan
- The insurance is automatically terminated by the repayment of loan
Insurance coverage
Death – the insurance indemnity will be paid to the bank in the amount of the sum of the outstanding loan principal and interest, calculated on the day of death.
Full disability - the insurance benefit will be paid to the bank in the amount of the sum of the outstanding loan principal and interest, calculated as of the date of granting complete disability.
Inability to work and loss of employment - the amount of the insurance claim is paid to the account of the insured person in the amount of monthly payment of the insured loan for the maximum period of 24 months.
Further information on the relevant insurance coverage is provided in the General insurance conditions valid for the date of signing the contract.
Reporting damage
For making a claim please use one of the following options:
- By e-mail to the insurance poistovna@uniqa.sk (the scan of the filled-in form of “Claim of a loss event” must be attached as an e-mail attachment)
- By telephone, through the UNIQA information line (+421) 2 32 600 100
- By post to the address of the insurance company:
UNIQA pojišťovna, a.s., pobočka poisťovne z iného členského štátu
Krasovského 3986/15
851 01 Bratislava - In person at any Tatra banka or UNIQA branch


Warning: Loan instalments are necessary to be paid in accordance with the agreed conditions also after the occurrence of the insured event. After the settlement of the insurance claim, the insurance company having recognized the claim will pay the amount of the insurance claim also in arrears.
Frequently asked questions
If an insured event occurs due to the COVID-19 virus, you are entitled to indemnity provided that both the terms of the insurance contract and the applicable general insurance terms for the for the Ability to repay a Consumer loan product are met. Insurance benefits relate to insurance against death, total disability, incapacity for work and loss of employment. The pandemic is not in the lockouts Insurance of ability to repay a Comsumer loan.
The insurance company handles the insurance claim pursuant to the insurance terms. The insurance claim will not be accepted if death, full disability or the incapacity for work was caused by the illnesses or accident consequences the insured person suffered from in the period of 12 months before the start of the insurance policy or for which they were provided medical consultancy or medical examination or treatment in the period of 12 months before the start of the insurance policy. This limitation is applicable only if death, full disability or incapacity for work occurred within 24 months from the start of the insurance policy.
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https://www.tatrabanka.sk/en/personal/savings-investments-insurance/ability-repay-consumer-loan-insurance/