Voluntary insurance of borrowers
JSC Belagroprombank within the framework of cooperation with JLLC Asoba concludes insurance contracts on the terms of Rules No. 41 “Voluntary insurance of borrowers” on the following terms:
| Option 1 (clause 5.2.1 of Regulation No. 41) The amount of the insurer's liability for the insurance payment does not change over the term of the insurance contract. |
Option 2 (clause 5.2.2 of Regulation No. 41) The amount of the insurer's liability for insurance payment decreases in proportion to the decrease in the debt on the amount of the principal debt under the agreement concluded between the creditor and the Insured person. |
| The term of insurance is not more than the term of the loan agreement | |
| Insurance rate: annual – 0.93% (in % of the sum insured). |
Insurance rate: annual – 0. 7905% (in % of the sum insured). |
| The sum insured is established by agreement of the parties in an amount not exceeding, as of the date of conclusion of the insurance contract, the amount of the principal debt and interest payable under the contract concluded between the creditor and the Insured person. When insuring a loan for consumer needs or a loan for financing real estate - a 10% discount. |
The sum insured is set in the amount of the principal debt on the date of conclusion of the insurance contract. When insuring a loan for consumer needs or a loan for financing real estate - a 10% discount. |
| Insured events / amounts of insurance payments: | |
| death, establishment of disability of I, II groups (without the possibility of employment) - 100.0% of the sum insured; | death, establishment of disability of I, II groups (without the possibility of employment) - insurance payment is made in the amount of debt (unfulfilled obligations) under the |
| determination of disability of group II (with the possibility of employment), group III - 50.0% of the sum insured; continuous temporary disability (insurance payment is made at a time at the end of treatment or in installments after 2, 3, 4 months of disability): − from 60 to 89 days incl. – in size 2 − from 90 to 119 days incl. – in size 3 − from 120 or more days - in size 4 - in case of establishing a disease that excludes the possibility to continue working in the same specialty in the same working conditions - in the amount of 6 monthly payments to repay the principal debt under the contract, following the month in which the disease was established. |
contract, on the principal debt on the day of death, establishment of disability; determination of disability of group II (with the possibility of employment), group III - 50.0% of the amount of debt (unfulfilled obligations) under the contract, on the principal debt on the day the disability was established; continuous temporary disability (insurance payment is made at a time or in installments): − from 60 to 89 days incl. – in size 2 − from 90 to 119 days incl. – in size 3 − from 120 or more days - in size 4 − in case of establishing a disease that excludes the possibility to continue working in the same specialty in the same working conditions - - in the amount of 6 monthly payments to repay the principal debt under the contract following the month in which the disease was diagnosed, but not more than the balance of the debt on the principal debt under the contract. |
Payment of the insurance fee is carried out at a time in Belarusian rubles.
To conclude insurance contracts, you must present an identity document.
