The insurance premium for death and serious illness will be lower if you do not smoke, as non-smokers are subject to a more favourable price list, and if you are a non-smoker with a body mass index (BMI) within the recommended values, i.e. between 19 and 27, and you do not engage in a risky profession or sport.

BMI (body mass index) is calculated by the following formula: BMI=m/h², where m=weight in kilograms, h=height in metres.

Additional accident insurance cover provides an additional payment to the beneficiary of the insurance in the event of:

• accidental death of the insured,
• one-off payment of the contractual amount to the insured person in the event of permanent disability and
• daily allowance for each day of hospital stay. 

You can also take out:

• additional insurance in the event of a bone fracture due to an accident
• and/or ensure for the payout of a monthly annuity in the event of a disability of more than 50%.

Additional insurance in case of serious illness ensures the payment of the contractual amount to the insured person if he or she suffers from any of the 5 serious illnesses (invasive cancer, stroke, myocardial infarction (heart attack), benign brain tumour requiring surgery and causing permanent neurological deficit, coronary artery bypass graft (CABG) surgery).

• Family members are co-insured as well, and if a family member falls ill with one of the most common serious illnesses, he/she receives 10% of the agreed insured sum for serious illnesses, but not more than EUR 20,000.
• If the insured person develops cancer, their biological children, regardless of their age, have the right to a DNA analysis called “Cancer screening” for hereditary forms of cancer.