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Conditions

General terms and conditions

General terms and conditions of insurance contracts KT.0919.13 (Valid for contracts issued from 07.12.2013)
General terms and conditions of insurance contracts KT.0898.12 (Valid for contracts issued until 07.12.2013)
General terms and conditions of insurance contracts KT.0806.11 (Valid for contracts issued until 31.10.2012)

Life insurance

Effective conditions

Special conditions of ERGO life insurance TI.0165.17 (valid from 15.07.2017)
Special terms and conditions of incapacity for work TI.0167.17 (valid from 15.07.2017)
Special conditions of insuring critical ilnesses TI.0168.17 (valid from 15.07.2017)
List and description of critical diseases TI.0168.17
Conditions of additional insurance of hospitaldaily allowance TI.0169.17 (valid from 15.07.2017)
Conditions of additional accident insurance TI.0095.11 (valid from 03.01.2011)
Special conditions of endowment insurance TI.0172.17 (valid from 15.07.2017)
Special conditions of the educational endowment insurance TI.0154.16 (valid from 01.07.2016)
Special conditions of life annuity insurance TI.0171.17 (valid from 15.07.2017)
Special conditions of deffered period pension insurance TI.0173.17 (valid from 15.07.2017)
General conditions of life insurance contracts TI.0153.16 (valid from 01.05.2016)

Expired conditions

Special conditions of risk insurance TI.0126.13  (valid for contracts issued until 15.07.2017)
Conditions of additional insurance against incapacity for work TI.0152.16 (valid for contracts issued until 15.07.2017)
Special conditions of insuring critical illnesses TI.0151.16  (valid for contracts issued until 15.07.2017)
Conditions of additional insurance of hospital daily allowance TI.0097.11 (valid for contracts issued until 15.07.2017)
Conditions of endowment insurance TI.0155.16 (valid for contracts issued until 01.07.2017)
Special conditions for regular increase of Insurance premiums and sums insured TI.0098.11 (valid for contracts issued until 01.07.2017)
Special conditions of life annuity insurance TI.0090.11 (valid for contracts issued until 15.07.2017)
Special conditions of deffered period pension insurance TI.0091.11  (valid for contracts issued until 15.07.2017)

Accident insurance

Terms and conditions of accident insurance KT.0918.13

Health insurance

General terms and conditions of insurance contracts TI.0175.17 (Valid from 01.11.2017)
Special terms and conditions of ERGO health insurance for residents TI.0159.17 (Valid from 01 November 2017)
List and description of critical illnesses covered Annex 1 to the Terms and Conditions TI.0159.17 (Valid from 01 November 2017)

ERGO medical insurance for nonresidents. MINI. TI.0158.17
ERGO medical insurance for nonresidents. MIDI. TI.0157.17
ERGO medical insurance for nonresidents. MAKSI. TI.0156.17

General terms and conditions of medical insurance contracts for natural persons TI.0125.12
 (Valid until 01.11.2017)
Terms and conditions of medical insurance for foreigners TI.0151.15 
Terms and conditions of medical insurance for foreigners TI.0122.12 (Valid for contracts issued until 01.11.2015)
Terms and conditions of special selection of medical insurance for foreigners TI.0123.12
Terms and conditions of hospital insurance for foreigners TI.0152.15
Terms and conditions of hospital insurance for foreigners TI.0124.12 (Valid for contracts issued until 01.11.2015)
Terms and conditions of basic medical insurance for foreigners TI.0116.12

Special terms and conditions of ERGO business health insurance TI.0174.17 (Valid from 01.11.2017)
List and description of critical illnesses covered Annex 1 to the Terms and Conditions TI.0174.17 (Valid from 01.11.2017)



Tariff 1 Family health care+ coverage (valid until 31.12.2012)
Tariff 2 Basic health care coverage (valid until 31.12.2012)
Tariff 3 Inpatient care coverage (valid until 31.12.2012)
Tariff 4 Special coverage (valid until 31.12.2012)
Tariff 5 Dental care coverage (valid until 31.12.2012)

Corporate property insurance

General terms and conditions of insurance contracts KT.0898.12
General terms and conditions of insurance contracts KT.0806.11 (Valid for contracts issued until 31.10.2012)
Conditions of corporate property insurance KT.0903.13
Corporate property insurance conditions KT.0656.11 (Valid for contracts issued until 20.01.2013)
Conditions of property insurance risks KT.0904.13  
Conditions of insured risks KT.341.08-347.08, KT.0769.11 (Valid for contracts issued until 20.01.2013)
Conditions of insured risks KT.400-406.08 (Valid for contracts issued until 20.01.2013)
All risks insurance conditions KT.0785.11
Safety requirements of corporate property insurance KT.349.08
Equipment failure insurance conditions failure of computer and office appliances KT.0770.11
Special conditions of liability insurance KT.0906.13
Special conditions of liability insurance KT.0464.09 (Valid for contracts issued until 20.01.2013)
Business interruption insurance conditions KT.0905.13
Conditions of property insurance of apartment association KT.0907.13
Terms and conditions of property Insurance risks of apartment association KT.0908.13 

Household insurance

Household insurance conditions KT.0928.15 (MIDI)
Household insurance conditions KT.0909.13 (MIDI) (Valid for contracts issued until 15.03.2015)
All-risks household insurance conditions KT.0927.15
All-risks household insurance conditions KT.0910.13 (MAKSI) (Valid for contracts issued until 15.03.2015)

Travel insurance

Terms and conditions of travel insurance KT.0917.13

Suretyship insurance

Suretyship insurance KT.0935.17

Technical risks insurance

Insurance terms and conditions for non-road vehicles and replaceable towed equipment KT.0929.16

Motor third party liability insurance

Terms and conditions of motor third party liability insurance KT.0939.18
Terms and conditions of motor third party liability insurance KT.0923.14
 

Motor hull insurance

Terms and conditions of vehicle insurance KT.0921.13
Terms and conditions of motor third party liability insurance KT0923.14

Liability insurance

General Third Party Liability insurance conditions KT.0225.07
Terms and conditions for freight forwarder liability insurance KT.0643.10
Product liability insurance conditions KT.0224.07
Professional liability insurance conditions of architects and engineers KT.02.18.07

Animal insurance

Terms and conditions of liability insurance of pet owners KT.0539.09
Terms and conditions of pet insurance KT.0757.11

Marine cargo insurance

Terms and conditions of cargo insurance KT.0485.09

Yacht and motor boat hull insurance

Recreational craft insurance conditions KT.0340.08
Liability insurance conditions of water craft possessor KT.0591.10