CNP ZOIS - Permanent Total Disability caused by an Illness or Accident

Permanent Total Disability caused by an Illness or Accident

Permanent Total Disability caused by an Illness or Accident

This is an insurance program that provides cover in the event of Permanent Total Disability caused by Illness or Accident.

For the purposes of the program, Permanent Total Disability is considered to be disability resulting exclusively and solely from an Accident or Illness, which has prevented the Insured from any professional activity, for an uninterrupted period of twelve (12) months from the date of the permanent interruption (due to disability) and totally prevents the Insured from carry on any future activity.

After the Company makes a final acknowledgement of the disability, the Insured Capital is paid to the Insured in two equal instalments, provided that the Insured is still alive and continues to be permanently and totally disabled, on the date that each instalment is due.
The Insured Capital is paid as a lump sum in case the Insured's disability is exclusively caused by one of the following:
• Functional loss of both hands or legs, or one hand and one leg.
• Total and irreversible loss of vision of both eyes.


Combination of Coverage

Option to combine additional coverage in the same Insurance Policy.

Simple and easy insurance procedure

Your Insurance Policy is issued quickly and then delivered to you immediately by means of a simple and easy insurance process.


Individuals 18 to 60 years old, who want to secure a certain capital, for their financial support, in case that, due to an accident or an illness, they lose their ability to practise any profession, for which they are qualified due to their education, training and experience.




  • Main Characteristics

    The key features of the Insurance Policy include:

    • The option to select the Insurance Policy's duration
    • The option to select the insured amount
    • It is offered only as additional coverage
    • It is not available to people without professional activities that provide income (e.g. unemployed, retired, household, students)

    Insurance Duration

    From five (5) to forty (40) years.

    Expiry Age

    Sixty fifth (65th) year.

    Premium Adjustment

    The premium is determined on an annual basis, depending on the age and occupation of the Insured Person.


The Company is exempted from its obligations if the Insured Person does not meet the conditions required.

For further details please refer to the Terms and Conditions in your Insurance Policy.

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