Guarantees credit repayment if death occurs.

If the Insured Dies during the insurance period, the Sum Assured will be paid in the amount of the loan balance, namely the total of the Insured's payment obligations to the Policy Holder which have not been paid by the Insured at the time of the insured event.

Provided that it does not exceed the initial credit amount arising in connection with the Credit Agreement between the Insured and the Policy Holder as stated on the Insurance Certificate.

1. The claim is rejected because the Insured died due to things excluded from coverage (Exclusion).
2. If the Premium has not been paid by the Due Date in full, then the Premium payment is declared in arrears. The Policy Holder is obliged to pay the outstanding premium to the Insurer no later than the Free Period namely 14 (fourteen) calendar days from the Due Date. If a risk occurs during the free period, Insurance Benefits paid first minus the premium arrears (if any).

1. Costs for obtaining evidence in submitting a request for Insurance Benefits are borne by the Policy Holder or Insured Heirs.
2. Costs incurred in connection with the payment of Insurance Benefits, including transfer fees, are fully paid the burden of the party receiving the payment is deducted directly from the Insurance Benefits paid.
3. Premiums paid by the Debtor/Insured include commission for the Bank.