Income Protection
Protect your income against the unexpected
'Income Protection' is an insurance programme for Postbank customers that provides financial support in cases of unemployment, incapacity for work and illness.
Choose 'Income Protection'
insurance
- You can rely on financial support at pivotal moments in life;
- You can plan your budget more effectively;
- You can safeguard your standard of living;
- You gain peace of mind when unexpected life events occur.
How can you save on the cost of your insurance?
When you use the "My Family" integrated banking program, you receive a 20% discount on the premium due and paid under your 'Income Protection' insurance. Provided that the monthly account maintenance fee under the 'My Family' program and the monthly premium for 'Income Protection' insurance are both paid within the calendar month in which they fall due, the bank will, during the following month, credit back to the customer's account an amount equal to 20% of the monthly insurance premium paid for 'Income Protection'.
Who is eligible?
The 'Income Protection' insurance program is intended for Postbank customers aged between 18 and 60 who hold a current account or savings account with the bank that supports payment transactions, from which the insurance premium is debited.
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
The 'Income Protection' insurance is designed to safeguard your personal budget in the event of unforeseen circumstances that may lead to a reduction or loss of income.
It is offered in two insurance packages – the "Premium" and "Premium Plus" packages, with different combinations of coverages that provide:
✅ One-time financial support or
✅ Periodic payments of monthly amounts to your account at Postbank
Choose the appropriate package according to your needs and capabilities.
| Covered risks | Premium | Premium plus |
| Death (Accident and Illness) | 1 250 EUR | 1 250 EUR |
| Complete and permanent loss of work capacity exceeding 70% (Accident and Illness) |
1 250 EUR | 1 250 EUR |
| Extended sick leave of over 30 days (Accident and Illness) |
up to 12 monthly instalments of 125 EUR | up to 12 monthly payments of 250 EUR |
| Unemployment (due to dismissal) over 30 days | up to 12 monthly payments of 20% of BTV, maximum 350 EUR | up to 12 monthly payments of 20% of BTV, maximum 350 EUR |
The insurance is offered through “Eurobank Bulgaria” AD (Postbank), registered in the commercial register at the Registry Agency with EIK 000694749, with its headquarters and management address at 260 Okolovrasten Pat St., Vitosha District, Sofia, acting as the insurance agent for “Cardif Life Insurance, Bulgaria Branch” SCC and “Cardif General Insurance, Bulgaria Branch” SCC, under the respective General Terms and Conditions of the insurers.
Please keep in mind that this page doesn't include all the insurance terms and isn't a recommendation, advice, or any other kind of guidance under applicable law; it just aims to give a general overview of the insurance product.
You can find complete information about the terms and coverage of the “INCOME PROTECTION” insurance program at Postbank offices during working hours, where you can get a paper copy in Bulgarian of the pre-contractual information about the insurers, insurance intermediary and insurance product, the Information Document and General Terms, and choose the type of protection that best suits your needs.
Please take the time to carefully go through all the documents related to the insurance product. The information is important and will help you make an informed and sensible decision. If anything is unclear or confusing, you can ask the staff at Postbank for clarification. They will go through any questions you have with you.
When you have insurance with "Cardiff Bulgaria“ and an unexpected insurance event happens to you:
Step 1: Get in touch with the "Cardiff Bulgaria“ contact centre at 02/4915 974 or visit the "Cardiff Bulgaria“ office at 29A Hristo Belchev Street, Entrance A, 1st floor, Sofia, and report the event by giving full and detailed information to the staff.
Step 2: Fill out a written Notification of the insurance event and prepare all the documents requested by the staff at "Cardiff Bulgaria“. You can find information about this step on Cardiff Bulgaria's website: http://www.bnpparibascardif.bg or on the contact phones.
Step 3: Send the documents to the address in a manner convenient for you:
- by courier;
- with "Bulgarian Posts" as a letter with feedback;
- by delivering them personally to the office of "Cardiff Bulgaria“.
"Cardiff Bulgaria" will:
- will register your insurance claim and assess the information provided;
- will get in touch with you at the phone number and/or address provided for feedback, in case an additional document or clarification is needed;
- will make a decision on your case and notify you in writing or via SMS within 15 days after receiving the requested information.
If you have any questions about your claim, you can contact the 'Contact Centre' at Cardiff Bulgaria or the staff at the 'Customer Service Centre' on any weekday from 9:00 to 17:30 at 02/4915 974 or send an enquiry by email: cardifbulgaria@cardif.com