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Secure profit

Invest in the future

Do you have clearly defined plans and wish to increase your assets?

Bring your ideas to life through our competitive savings and life insurance program – Secure profit. By taking out a single insurance policy, you will be able to invest in the safer financial future of your family.

This unique policy lets you generate profit and save up simultaneously, while also providing additional insurance coverage.

In today’s turbulent economic circumstances, the only investment that guarantees long-term stability is investing into a savings and insurance program. Secure profit enables secure investments in your future.

Benefits of DDOR's SECURE PROFIT program

DDOR osiguranje offers a wide range of benefits, making this program one of our most popular choices:

  • dual benefit – one policy for saving up and generating profit;
  • investments in secure funds – assets are directed towards secure and profitable investments, which ensures that your savings will continue to increase;
  • flexible insurance terms – the option of arranging insurance riders tailored to your needs;
  • no medical examination needed – insurance is available without any administrative obstacles.

Insurance riders for added security

Along with our basic insurance, DDOR osiguranje lets you choose between 8 different types of insurance riders, designed to provide additional security for our clients.

Death due to accident

Payment of the stipulated insured sum in the event of death, if the insured’s death occurred due to an accident.

Death due to traffic accident

Payment of the stipulated insured sum in the event of death, if the insured’s death occurred due to a traffic accident.

Surgical interventions due to accident

Payment of the stipulated insured sum or percentage of the stipulated insured sum in the event of a surgical intervention necessary following an accident, as per the insurer’s Table of surgical interventions.

Bone fracture

Payment of the stipulated insured sum or percentage of the stipulated insured sum in the event of bone fracture, as per the insurer’s Table of bone fractures.

Hospital days following an accident

Payment of the stipulated daily allowance for a hospital stay needed to treat injuries sustained in an accident.

Temporary disability

Payment of the stipulated daily allowance during the period of temporary disability caused by an accident.

Dismemberment

Payment of:

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

100% dismemberment

Payment of the stipulated insured sum in the event of total dismemberment, as per the insurer’s Disability Table.

Who is the Secure profit program for?

Our Secure profit savings and life insurance program is meant for individuals who prioritize:

  • secure savings coupled with life insurance – ideal for individuals who have clearly defined plans and want to increase their assets through stable and secure investments;
  • financial security for their family – suitable for individuals who wish to secure their loved ones’ future by combining savings and insurance;
  • a reliable way to invest – designed for individuals who prefer long-term, secure investments which generate profit with minimal risk;
  • additional benefits through insurance – particularly useful for individuals looking for the option of arranging additional insurance coverage for increased security.

Thanks to its flexible options and customized period of coverage, this program is an excellent choice for individuals who want to save up while remaining financially stable.

Terms and Conditions of Secure profit insurance

Secure profit insurance offers flexible terms customizable to clients’ needs, which includes the following:

  • Age at entry: the program is available to insureds from birth until the age of 77, with the maximum period of insurance being until the insured reaches 80 years of age.
  • Insurance period: the minimum insurance period is 3 years, whereas the maximum period is limited to 10 years.
  • Premium payment: premium is paid one-off, which enables easy planning and cost control.
  • No additional requirements: insurance can be concluded without the need to undergo a medical examination or complete a health status questionnaire.

These insurance terms and conditions enable ease of access, making Secure profit a suitable choice for a wide range of users.

Insurance riders typically chosen alongside Secure profit

The majority of Secure profit users prefer a combination of basic insurance and insurance riders which provide an added layer of protection and complete security. Some of our popular insurance riders include:

  • insurance against dread diseases – for financial support in case of a diagnosed dread disease listed in the insurance terms and conditions;
  • insurance against dismemberment – payment of the insured sum in the event of partial or total dismemberment as per the Disability Table.
  • Hospital days following an accident or illness – reimbursement of costs or loss of profit due to hospitalization.

These combinations offer a comprehensive level of protection and provide added security for users and their families.

Official notice

We’re pleased to inform you that „DDOR Novi Sad” a.d.o. Novi Sad generated profit from investing mathematical reserves funds from our NO RISK and SECURE PROFIT life insurance products (model 3) in 2024.

In order to inform our clients in a timely manner, and in keeping with the provisions of statutory regulations and insurance terms and conditions, our company sent a notice on distribution of profit to each client who concluded a pure endowment insurance contract – NO RISK and SECURE PROFIT by 27.12.2022, provided that the respective policy was active or capitalized as at 31.12.2024.

Notices related to each individual insurance contract contain information on the profit-share balance and the amount of the total accrued additional insured sum starting from the date of insurance inception.

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