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This is an insurance program that discharges the Insured Person from the obligation to pay premiums in case of Permanent Total Disability.
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.
Regardless of the duration of the disability, a disability is considered to be Permanent and Total if it is exclusively due to one of the following causes: • Functional loss of both hands or legs, or one hand and one leg. • Total and irreversible loss of vision in both eyes.
Option to combine additional coverage in the same Insurance Policy.
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 be exempted from the obligation to pay premiums in case of permanent loss of their ability to practise any occupation that provides them an income.
Get your Ιnsurance Policy from any CNP ZOIS office or from one of our Insurance Agents.
Make sure you agree with the terms and that the covers offered satisfy your insurance needs.
It is of high importance and to your advantage to state all the information required in the Insurance Application.
The applicant submits an Insurance Application and, if approved, an Insurance Policy is issued.
The submission of the Insurance Application and the receipt of the Insurance Policy are carried through one of our Insurance Agents.
The premiums are paid once off on an annual basis. However, through the Insurance Application, the Insured has the option to choose the partial payment of the annual premiums (choosing between specific regular payment periods), with the percentage increase of the premiums set by the Company.
The key features of the Insurance Policy include:
Insurance Duration
From five (5) to forty (40) years.
Expiry Age
Sixty fifth (65th) year.
Premium Adjustment
In case the data on which the original pricing was based on is changed, e.g. the occupation of the Insured Person, other coverages of the Insurance Policy.
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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