"Payment Protection" insurance program
Financial protection when life takes an unexpected turn
Apply and get covered entirely online, with no branch visit required!
- Apply online using the "Apply" button.
- One of our specialists will get in touch to assist you and confirm the details. We will let you know once your application has been approved
- Sign all the documents remotely using a cloud based Qualified Electronic Signature (KEP) from Evrotrust - you just need to download the Eurotrust mobile app, follow the steps and sign the documents online.
- If you prefer, you can also take out the insurance at any Postbank branch that suits you.
Заяви и вземи изцяло онлайн без посещение в офис!
- Заяви онлайн тук от бутона "Заяви"
- Наш експерт ще се свърже с теб за допълнително съдействие и уточняване на детайлите. Ще те уведомим, в случай че заявлението бъде одобрено
- Подпиши дистанционно всички документи чрез облачен Квалифициран електронен подпис (КЕП) от Евротръст - нужно е само да свалиш мобилното приложение на Евротръст, да следваш стъпките и да подпишеш документите онлайн
- Ако желаеш може да сключиш застраховката и в удобен за теб офис на Postbank.
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Who is eligible?
- The "Payment Protection" insurance program is designed for individuals aged between 18 and 69 (inclusive) who hold an overdraft on a current account provided by Postbank.
What does the cover include?
- Disability of more than 70% as a result of illness or accident
- Extended sick leave of more than 60 days as a result of illness or accident
- Involuntary unemployment following dismissal, for more than 60 days
- Hospitalisation of more than 7 days as a result of an accident
For individuals aged between 65 and 70 (inclusive), the following risks are covered:
- Disability of more than 70% as a result of an accident
- Extended sick leave of more than 60 days as a result of illness or accident
- Involuntary unemployment following dismissal, for more than 60 days, provided the insured person is not retired
- Amount of insurance payments - for all covered risks, the sum insured is equal to the amount drawn under the outstanding overdraft limit as at the date on which the insured event occurs.If on the date of the Insured Event under the covered risk there is no utilised but unpaid overdraft limit, the Insurers are not obliged to make an insurance payment.
- The insurance serves as security - the beneficiary is Postbank, or the relevant creditor of the insured person as at the date on which the insured event occurs.
- The insurance premium - the premium is charged monthly and is calculated as a set percentage of the amount drawn under the outstanding overdraft limit as at the 21st day of the relevant month.
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.
Useful information
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 constitute a recommendation, advice, or any other form of advisory service within the meaning of the applicable legislation and is intended solely to present the insurance product.
Complete information on the terms, conditions, and coverage of the insurance program is also 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 any questions you may have with you.
If you have an insurance policy with Cardif Bulgaria and an insured event occurs:
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: http://www.bnpparibascardif.bg or through the contact telephone numbers.
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 Cardif Bulgaria office.
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 by email to cardifbulgaria@cardif.com.