Altius Permanent Total Disability

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Altius Permanent Total Disability

This benefit is provided when the insured becomes permanently and totally incapacitated due to illness or accident and, as a result, is permanently unable to practice their profession or any other similar occupation for which they are qualified based on their education, experience, or training.

The benefit is payable after a period of 6 months of continuous incapacity

and is paid in quarterly installments.

Addressed to:

Individuals aged 18 to 64, with a minimum coverage period of one year, and the benefit expires at the age of 65.

Benefits:

Coverage in the event that the insured becomes permanently and totally disabled for life due to accident or illness and is unable to practice their profession

or any similar occupation for which they are qualified through experience, education, or training, for remuneration or profit.

Available only as an additional benefit (rider) attached to life insurance policies.

Indicative Premium:

Initial premium: €1.00 per €1,000 of the insured amount.

The premium increases according to the insured’s age and the risk level of the occupation.

ADDITIONAL BENEFITS

In order to cover every modern need in life insurance products, Altius Insurance has designed the Altius Protection Plan, an innovative insurance product that covers cases of unexpected cancer and heart disease, from their very first stages, with a lump sum of up to € 200,000 . 

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The benefit is offered only as an additional benefit and covers the following diseases

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This benefit is offered exclusively to women or to the wives of insured persons under life insurance policies. The benefit may be purchased only once for each insured life.

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Το ωφέλημα προνοεί ότι σε περίπτωση που λόγω ασθένειας ή ατυχήματος η ασφαλισμένη ζωή καταστεί μόνιμα και ολικά ανίκανη να εξασκήσει οποιοδήποτε επάγγελμα με αμοιβή ή κέρδος, απαλλάσσεται από την πληρωμή ασφαλίστρων του βασικού συμβολαίου – συμπεριλαμβανομένων και των επιπρόσθετων ωφελημάτων. Σε αυτή την περίπτωση η εταιρία αναλαμβάνει την πληρωμή του ολικού ασφαλίστρου μέχρι τη λήξη του συμβολαίου

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It is a simple life insurance of a certain duration that the coverage is reduced accordingly each year and does not acquire redemption value but provides a lump sum to the beneficiaries when the insured dies.

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This benefit is offered as an additional rider to a basic life insurance plan, provided that the Accidental Death Benefit is also in force, with a minimum coverage of €45,000.

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Προσφέρεται όταν ο ασφαλισμένος καταστεί μόνιμα και ολικά ανίκανος λόγω ασθένειας ή ατυχήματος και σαν αποτέλεσμα δεν μπορεί ποτέ στο μέλλον να εξασκεί το επάγγελμα του, ή οποιαδήποτε άλλη παρόμοια εργασία, την οποία εξασκούσε λόγω θέσης μόρφωσης πείρας ή εκπαίδευσης. Το ωφέλημα πληρώνεται μετά από πάροδο 6 μηνών ανικανότητας. Το ωφέλημα πληρώνεται με τριμηνιαίες δόσεις

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This benefit is offered as an additional benefit (rider) to all main life insurance plans.

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Health care is a priority for all of us, whether it is ourselves or our loved ones.

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Health is the supreme good! To protect this good, Altius Insurance has created a number of innovative new healthcare plans. 

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It is paid if the death of the insured person is caused exclusively and directly as a result of bodily injury due to violent external and visible means within 12 months from the date of causing the above injury.

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