A wide range of insurance covers
for unforeseen events such as loss, robbery or theft of your card and the robbery of cash.
Credit card insurance – "Payment Protection" -
the "Liability Cover Plus"
Apply online and enjoy great benefits right away:
Apply and receive the product entirely online, with no need to visit a branch. You sign the documents remotely – quickly, easily and conveniently!
Who is eligible??
- The "Credit Card Payment Protection" insurance program is intended for customers who are holders of active credit cards issued by Postbank, aged between 18 and 65 completed years, and for certain risks between 65 and 70 completed years.
If you want, you can also take out the insurance at a Postbank office that's convenient for you.
Cover for the cardholder:
- Death as a result of accident or illness – the outstanding balance on the credit card as at the date of the event*;
- Disability of more than 70% as a result of accident or illness – the outstanding balance on the credit card as at the date of the event*;
- Extended sick leave as a result of accident or illness – up to 4 monthly payments, each equal to 25% of the outstanding balance on the card as at the date of the event*;
- Involuntary unemployment as a result of dismissal – up to 4 monthly payments, each equal to 25% of the outstanding balance on the card as at the date of the event;
- Hospitalisation as a result of an accident – up to 2 monthly payments, each equal to 25% of the outstanding balance on the card as at the date of the event**;
Protection for payments made with the card:
- Cash withdrawn from a credit card – at an ATM or POS terminal, in the event of a robbery occurring immediately after the withdrawal, i.e. within 1 hour of the transaction and within 100 metres of the location where the transaction took place;
- Unauthorised use of an insured credit card – following its loss or its being taken by theft, burglary or robbery;
- Personal or work keys – lost or stolen together with the credit card;
- Bag – lost or taken by robbery together with the credit card;
- Official documents – lost or taken together with the credit card by theft, burglary or robbery;
- Wallet – lost or taken by robbery together with the credit card;
- Credit card – re-issue following theft, burglary, robbery or loss together with a bag, wallet, official documents, personal or work keys, cash withdrawn using the card, or as a result of its unauthorised use;
More solutions for your everyday life
Take a look at Postbank’s other products and services, which will help you manage your money more easily and securely.
Important for you
This insurance is offered through Eurobank Bulgaria AD (Postbank), UIC 000694749, with its registered office and management address at 260 Okolovrasten Pat Street, Vitosha District, Sofia, acting in its capacity as an insurance agent of Cardif Life Insurance, Bulgaria Branch, UIC 175190059, and Cardif General Insurance, Bulgaria Branch, UIC 175190073, in accordance with the respective General Terms and Conditions of the insurers.
The insurance is concluded in accordance with Article 382 of the Bulgarian Insurance Code as credit protection insurance (for the benefit of the creditor).
Please note that this page does not contain all terms and conditions of the insurance policy and does not constitute a recommendation, advice, or any other form of advisory service within the meaning of the applicable legislation. Its purpose is solely to provide a general presentation of the insurance product.
Complete information on the terms, conditions, and coverage of the insurance program is available at Postbank branches during business hours, where you can obtain, in Bulgarian and in paper form, the Pre-Contractual Information regarding the insurers, the insurance intermediary, and the insurance product, as well as the Insurance Product Information Document and the General Terms and Conditions of the insurance package.
Please read all documents related to the insurance product with due attention and care. The information is important and will help you make an informed and prudent decision. In the event of any uncertainty or misunderstanding, you may contact Postbank staff for clarification. They will discuss and address any questions you may have.
When you have an insurance policy with Cardif Bulgaria and an unexpected insurance event occurs to you:
Step 1: Contact the Cardif Bulgaria Contact Center at +359 2 4915 974 or visit the Cardif Bulgaria office at 29A Hristo Belchev Street, Entrance A, Floor 1, Sofia, and report the event, providing the staff with complete and detailed information.
Step 2: Complete a written Notice of Insurance Event and prepare all documents requested by the Cardif Bulgaria representatives. Information regarding this step can be found on the Cardif Bulgaria website at: http://www.bnpparibascardif.bg или на телефоните за контакт.
Step 3: Submit the documents using whichever method is most convenient for you:
- By courier;
- By registered mail via Bulgarian Posts (with acknowledgment of receipt);
- In person at the office of Cardif Bulgaria.
Cardif Bulgaria will:
- Register your insurance claim and assess the information and documentation submitted;
- Contact you using the telephone number and/or address provided for correspondence if any additional documents or clarifications are required;
- Make a decision regarding your claim and notify you in writing or by SMS within 15 days of receiving all required information.
If you have any questions regarding your claim, you may contact the Cardif Bulgaria Contact Center or the Customer Service Center representatives on any business day from 9:00 a.m. to 5:30 p.m. at +359 2 4915 974, or send an inquiry to the following email address: cardifbulgaria@cardif.com
*For individuals aged between 65 and 70 completed years, the first three risks are covered only if they occur as a result of an accident, and the "Involuntary unemployment" risk is covered only if the individual is not a pensioner.
**The cover is substitutional and is activated automatically if the insured person is not eligible for the "Involuntary unemployment" risk..
Insurance payments (indemnities) are determined by the Insurers on a case-by-case basis and correspond to the loss actually incurred by the insured person, but shall not exceed the limits stated for one annual period of the insurance term. For events relating to the protection of payments made with the credit card, a maximum of one claim per annual period applies.
For the risks of 'Death' as a result of an accident (or illness), 'Permanent Disability exceeding 70%' as a result of an accident (or illness), 'Extended Sick Leave' as a result of an accident (or illness), 'Involuntary Unemployment due to Dismissal', and 'Hospitalization as a result of an Accident', the beneficiary shall be Eurobank Bulgaria AD. For all other risks covered under the 'Liability Coverage Plus' insurance package, the beneficiary shall be the insured credit cardholder.