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No Risk – Pure endowment insurance

No Risk – Pure endowment insurance

No Risk life insurance with a savings component is the perfect mix of security and savings which enables you to protect yourself and your loved ones, while planning and saving up for the future at the same time.

This insurance has been designed for all those who wish to ensure financial security for themselves and their loved ones in case of unforeseen events. The savings component can be tailored to your goals and needs, enabling you to fulfill your long-term financial plans, such as saving up for your retirement, paying your children’s school tuitions or buying an apartment.

No risk insurance is a great way to combine savings and insurance within a single product, ensuring stability and security for yourself and your family, now and in the future.

What are the benefits of DDOR No Risk insurance?

The main benefits of this insurance include:

  • secure savings with a substantial profit;
  • straightforward conclusion of the insurance policy, without the need for a medical examination;
  • setting aside the No Risk program assets into a fund. These assets are then directed into secure and profitable investments which will generate profit for insureds;
  • the option of arranging supplementary insurance.

The NO RISK program and the supplementary insurance covers you can choose from, guarantee savings, profit and life insurance. Ensure triple security for yourself and your family!

Riders with the No Risk program

As part of our No Risk program, “DDOR Novi Sad” enables you to choose from 9 different types of riders which provide enhanced protection and security in the event of unforeseen life circumstances, as listed below.

1. Death due to accident

In case of the insured’s death caused by an accident, the stipulated insured sum will be paid out. In case of death, DDOR osiguranje provides financial support to the insured’s family and loved ones, making it easier for them to deal with the tragic situation.

2. Death due to traffic accident

In case of the insured’s death caused by a traffic accident, the stipulated insured sum will be paid out. This type of insurance aims to provide financial security to the insured’s family and loved ones in the face of tragedy.

3. Surgical interventions due to accident

If the insured sustains injuries in an accident, which require a surgical intervention, the stipulated insured sum – i.e., the corresponding percentage of the stipulated sum, will be paid out. The amount of payment will be determined based on the insurer’s Table of surgical interventions, meaning that the insured will receive financial support in order to cover treatment and recovery costs.

4. Bone fracture

Accident insurance implies the payment of the stipulated insured sum, i.e., the corresponding percentage of this sum, in the event of a bone fracture. The amount of indemnity is determined based on the insurer’s Table of bone fractures, and provides financial support to the insured while recovering after an accident.

5. Hospital days following an accident

Payment of the stipulated daily allowance for a hospital stay needed to treat injuries sustained in an accident. This insurance is part of the EPIDEMIK PROTEKT package, designed to provide additional security, including assistance such as consultations with physicians, organizing transportation, and delivering medicines or food.

6. Temporary disability

Payment of the stipulated daily allowance during the period of temporary disability caused by an accident, designed to provide financial support during recovery

7. Dismemberment

Insurance provides for:

  • Payment of a percentage of the stipulated insured sum in the event of partial dismemberment caused by an accident, as per the insurer’s Disability Table.
  • Payment of the entire stipulated insured sum in the event of 100% dismemberment caused by an accident, as listed in the policy or policy schedule, as per the insurer’s Disability Table.

8. 100% Dismemberment

Payment of the stipulated insured sum in the event of total (100%) dismemberment caused by an accident, as per the insurer’s Disability Table.

9. Premium Waiver

In the event of total permanent disability (dismemberment), the insurer assumes the obligation of continuing to pay the premium, and remains obliged to pay out the insured sum after the contract has expired

Insurance Terms and Conditions

This insurance program includes flexible options for all clients, with clearly defined terms and conditions which enable easy customization to the needs and age of each insured.

  • Age at entry: from birth up to 75 years of age, with the maximum insurance period until the insured turns 80 years old.
  • Insurance period: no less than 5, and no more than 25 years, depending on the insured’s preferences.
  • Premium payments: payment options include monthly, annual or single payments.

No Risk insurance pricing: factors, savings and popular options

When you decide to purchase pure endowment insurance, you will be paying premium for a certain number of years. The No Risk insurance premium depends on several factors – the insured’s age, insurance period, and selected riders.

In order to save up, you can choose from different payment options, such as monthly, annual or single payments. When thinking about cost-effectiveness, it’s worth analyzing the price – risk coverage ratio.

Life insurance with a savings component can also be supplemented by various insurance covers, with popular combinations of riders typically including coverage in the event of an accident, disability, as well as dread diseases.

FAQ about No Risk insurance

  • 1. Can I add new covers while my policy is active?

    Yes, during your policy period, you can subsequently arrange riders and extend your coverage as you need it.

  • 2. How do I activate an indemnity payment in case of an accident?

    In case of an accident, you can activate an indemnity payment by reporting the claim to the insurer. You should notify the insurer of the accident as soon as possible, and provide the necessary documentation.

  • 3. Can I count on No Risk insurance to supplement my income when I'm older?

    This product is perfect for those who want to enjoy financial stability as they age, regardless of whether they continue to work or not.

  • 4. How can I pay the premium?

    The No Risk program provides flexible payment options: choose between monthly, annual or single payments. Single payments are popular with clients who have additional inflows of cash or those who want to ensure long-term coverage without monthly obligations.

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