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Ability to repay mortgage loan insurance
The ideal solution for the unforeseen life events that may result in an inability to repay the loan.
Efficient insurance protection
Help at a long-term loss of income
Insurance coverage – for the event of death, disability, inability to work and loss of employment
For new as well as existing loans
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 insurance company, a.s, Krasovského 15, 851 01 Bratislava.
The benefits of the insurance of the ability to repay mortgage loan
The repayment of mortgage 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 lowered ability of repaying the loan.
easy contract arrangement via DIALOG Live or at any Tatra banka branch
automatic restriction of disposal rights to the amount of insurance claim
possibility to insure a debtor or a co-debtor
possibility to arrange the insurance policy for a new as well as an existing loan
possibility to select the scope of insurance coverage
possibility to arrange without the examination of health condition
insurance up to 100 % of the loan
Entrance age of the insured is from 18 - 58 years
Insured amount is determined as a percentage of the loan amount (min. 50 % and max.100 %)
Coverage possibilities - death, full disability, incapacity for work and loss of employment
The amount of insurance premium remains the same for the whole duration of coverage
For the duration of the insurance policy, the insured sum decreases depending on the repayment of loan
The insurance is automatically terminated by the repayment of loan
Death - the amount of the 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 (depending on the agreed % of the insured loan determined in the insurance policy).
Full disability - the amount of the insurance claim is paid to the account of insured person in the amount of the monthly payment of insured loan.
Inability to work and loss of employment - the amount of the insurance claim is paid to the account of insured person in the amount of monthly payment of the insured loan for the maximum period of 12 months.
The insured person is a debtor or a co-debtor, to whose life or health the insurance policy applies. The insurance policy is possible to take out only for one person – a loan debtor or a co-debtor.
Reporting of insured event
For making a claim please use one of the following options:
By telephone, through the UNIQA insurance information line (+421) 2 32 600 100
By post to the address of the insurance company:
UNIQA poisťovňa, a.s.
851 01 Bratislava
In person at any Tatra banka or UNIQA branch
Warning: The loan repayments must be repaid according to the agreed conditions even after the insured event. Upon liquidation of the insured event, the insurance company pays the reimbursement also after the claim is recognized.
If an insured event occurs due to the COVID-19 virus, you are entitled to indemnity provided that both the terms of the agreed insurance policy and the applicable general insurance terms for the Mortgage Loan Insurance product are met. Insurance benefits relate to insurance against the risk of death, disability, incapacity for work and loss of employment. Pandemic is not in the lockouts Insurance ability to repay a mortgage loan.
insurance policy without examination of health condition is possible to take out on new as well as on existing loans after meeting all specified conditions of insurability, including: entrance age of up to 50 years, end age of up to 60 years, period of repayment up to 30 years, total insured amount in case of a new loan is up to EUR 125,000 and in case of existing loan up to EUR 80,000.