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

Arrangement without health condition examination

Help at a long-term loss of income

Help at a long-term loss of income

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

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

Attractive monthly premium

Attractive monthly premium

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.

The benefits of ability to repay Consumer Loan insurance

 Benefits:

  • 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 ability to repay Consumer Loan 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 amount of insurance claim is paid to the bank in the amount of total unpaid principal and interests calculated as of the day of death of the insured person.

Full disability - the amount of insurance claim is paid to the account of the insured person in the amount of the monthly payment of the insured loan.

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 12 months.

Reporting damage

For making a claim please use one of the following options:

  • By post to the address of the insurance company:
    UNIQA poisťovňa, a.s.
    Krasovského 15
    851 01 Bratislava
  • In person in branches of UNIQA insurance company or in Tatra banka branches
  • Forms for reporting of insured event are available to the clients also in web site of UNIQA poisťovna, a.s.
Reporting of insured event

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

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https://www.tatrabanka.sk/en/personal/savings-investments-insurance/ability-repay-consumer-loan-insurance/