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Conditions

General terms and conditions
General terms and conditions of ERGO Insurance services (Effective as of 06.06.22)

General terms and conditions of insurance contracts KT.0948.18 (Valid for contracts issued from 07.02.2019 - 05.06.2022)
General terms and conditions of life insurance contracts TI.0166.18 (Effective as of 01.01.2019)  
General terms and conditions of health insurance contracts TI.0190.20 (Effective as of 01.07.2020)
General terms and conditions of health insurance contracts Tl.0187.18 (Effective as of 01.01.2019)


Expired
General terms and conditions of insurance contracts KT.0919.13 (valid for contracts issued until 06.02.2019)
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+ 

Special terms and conditions of ERGO Life Insurance+ (valid from 01.09.2022)
Terms and conditions of ERGO disability insurance (valid from 01.09.2022)
Terms and conditions of ERGO critical illness insurance (valid from 01.09.2022)
Terms and conditions of ERGO hospital day fee insurance (valid from 01.09.2022)
Terms and conditions of ERGO child's critical illness insurance (valid from 01.09.2022)
Terms and conditions of ERGO cancer insurance (valid from 01.09.2022)
Terms and conditions of ERGO accident insurance (valid from 01.09.2022)

Life insurance

Terms and conditions of previous product versions:

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)
Terms and conditions of ERGO cancer Insurance TI.0195.21 (valid from 01.05.2021)

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)
General conditions of life insurance contracts TI.0153.16 (valid for contracts issued until 31.12.2018)

Cancer insurance

From 01.09.2022 cancer insurance can be selected as an additional insurance to life insurance+. Terms and conditions of previous product versions:

Terms and conditions of ERGO cancer insurance TI.0195.21 (valid from 01.05.2021)

Accident insurance

Terms and conditions of accident insurance KT.0918.13

Health insurance

Corporate property insurance

Conditions of ERGO corporate insurance KT.0958.20 (Valid for contracts from 14.07.2020)
Conditions of ERGO corporate insurance KT.0942.19 (Valid for contracts issued until 13.07.2020)
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 

Home insurance

Total risks home insurance conditions KT.0927.15  (valid for contracts issued until 13.06.2019)
Terms and conditions of ERGO home insurance Maksi package (valid for contracts from 25.08.2022)

Expired conditions:
Terms and conditions of ERGO home insurance Maksi package KT.0950.19 (valid for contracts issued until 24.08.2022)
Home insurance conditions KT.0909.13 (MIDI) (Valid for contracts issued until 15.03.2015)
Total risks home insurance conditions KT.0910.13 (MAKSI) (Valid for contracts issued until 15.03.2015)

Travel insurance

Legal Protection insurance

Legal protection insurance terms and conditions for private persons KT.0936.18
Legal protection insurance terms and conditions for vehicle owners KT.0937.18

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

Liability insurance

Animal insurance

Marine cargo insurance

Yacht and motor boat hull insurance