Standard Protekt was created in collaboration with Allianz insurance to protect your standard of living as well as the standard of living of your family in case of contingencies.
If an insured event occurs, money is paid directly to you.
In addition to the basic coverage in case of accidental death (traffic accidents included) and bone fractures, you can choose the following coverage types based on your needs:
Standard Protekt can be arranged by persons between the ages of 18 and 82, except for long-term sick leave and termination of employment coverage which can be arranged only by persons up to 59 years of age.
Coverage lasts up to 84 years of age.
Identification document (ID card or passport)
In addition to the basic coverage, at least one supplementary coverage should be selected.
| INSURANCE COVERAGE | MONTHLY |
SUM |
|
| 18-59 | 60-84 | ||
| Accidental death | 20 |
80,000 | 40,000 |
Death caused by a traffic accident* |
80,000 | 40,000 | |
| Bone fracture | 1,000 | 500 | |
| INSURANCE COVERAGE | MONTHLY |
SUM |
|
| 18-59 | 60-84 | ||
| Long-term sick leave | 25 | 2,500 | 2,000 |
Termination of employment |
25 | 2,000 | 2,000 |
| Personal liability | 10 | 100,000 | 100,000 |
Loss or theft of documents and credit cards |
10 | depends on insurance case |
|
* In the event of death caused by a traffic accident, both insured amount for accidental death and insured amount for death caused by a traffic accident are paid!
The compensation for long-term sick leave is paid in the event of a sick leave lasting longer than 45 days. It can be paid in max. six monthly compensations per event.
The compensation for termination of employment is paid in the event of unemployment which is longer than 60 days, in case of termination of employment due to business reasons. A maximum of three monthly compensations can be paid per event.
You can arrange Standard Protekt in any branch of Zagrebačka banka.
Standard Protekt can be arranged by all persons from 18 to 82 years of age, except for long-term sick leave and termination of employment coverage which can be arranged only by persons up to 59 years of age.
The sum insured for bone fractures is the amount per individual accident, regardless of the number of fractures a person has. If multiple fractures are caused by a single accident, the insurance company will pay the arranged insured amount without increasing the compensation because the policyholder suffered multiple fractures at once.
No, insurance packages which cover the risk of long-term sick leave and/or termination of employment can be arranged only by persons who do not receive income by performing independent services, such as sole proprietorship services, independent professions (e.g. lawyers, notaries public, veterinarians, auditors, scientists, artists, etc., who do not have the status of a person employed based on a permanent or non-permanent employment contract) and services in agriculture and forestry.
As a professional athlete, you can arrange Standard Protekt, but the policy will not cover accidents that occur in professional sports.
A waiting period or a grace period is the period at the beginning of insurance during which the insurer does not have to pay compensation. A waiting period of 180 days is arranged for coverage of the risk of long-term sick leave or for coverage of the risk of termination of employment.
Coverage lasts until 84 years of age.
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