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CardFinans Security Plan

Don’t let unexpected events to have an impact on your life
CardFinans holders who participate in the CardFinans Security Plan are well aware that unexpected events will not affect their lives adversely. With CardFinans Security Plan, your little investments handle big problems.

What are the cases covered by the CardFinans Safety Plan?

Where the policy holder passes away or is bodily injured due to an accident, CardFinans Security Plan pays the total credit card debt on the last billing statement to QNB Finansbank that remains within the coverage.

Are there any other coverages?

CardFinans Security Plan provides the following coverages to policy holders;

  • Death as a result of an accident.
  • Permanent disability as a result of an accident.
  • In the event that a CardFinans credit card is stolen, lost or fraudulently used, the coverage for theft and loss is TRY 150 per card, up to 10 credit cards of the policy holder (provided that he/she is the main card holder), TRY 1,500 in total.
  • Financial losses arising out of extortion and/or snatching faced by CardFinans customers.

Coverages

 Coverage Amount Provided under the Gold Package

Coverage Amount Provided under the Platinum Package

Credit Card Billing Statement Debt Amount

 TRY 8,000

TRY 15,000

Death as a result of an accident

 TRY 20,000

TRY 25,000

Permanent Disability due to an Accident

 TRY 20,000

TRY 25,000

Extortion Snatching
Bag - Keys - Wallet - Driver’s

License - ID Card

Cash

 TRY 1,500

TRY 1,000

TRY 500    


TRY 3,500

TRY 2,500

TRY 1,000

Liability of the Card Holder

 TRY 150

TRY 150

PREMIUM*

 TRY 120

TRY 144

You can prefer to pay your premium in 9 equal installments. 
You can select either one of the two coverage alternatives. 
Coverages and limits may vary according to your policy.

CardFinans Billing Statement Security Life Insurance

Do not worry about your billing statement!

Unexpected events can change the course of your life. Purchase a CardFinans Billing Statement Security Life Insurance policy, and have protection to help you in hard times and take things back on track. Do not worry about the amounts due in hard times.

What are the Covered under the Insurance?

Death, Permanent Invalidity due to an Accident, Unemployment/Temporary Incapacity due to an Accident or Disease*/Daily Hospital Indemnity due to an Accident or Disease**.   Total outstanding debt (including future installments) indicated in the last billing statement before the risk has been realized, is secured, within the limits specified in the participation certificate.
All policy holders have the two coverages, death and permanent invalidity due to an accident. In addition to these coverages, policy holders have the following coverages, depending on their employment status;
For full-time employees, undesired unemployment,
* For freelancers, temporary incapacity due to an accident or disease,
** For other occupational classes, daily hospital indemnity due to an accident or disease.

Premium and Coverage Amounts

1.5% of the total outstanding debt (including future installments) indicated in the billing statement is debited to the customer’s credit card each month, as insurance premium. The maximum amount of monthly insurance premium is TRY 150.
The amount of the maximum variable coverage based on the total outstanding debt (unemployment, temporary incapacity because of an accident or disease, daily hospital indemnity because of an accident or disease) is maximum TRY 10,000.
The coverage of death and the coverage of permanent invalidity by death or accident are 2 times the variable coverage.  The maximum amount for the coverages of death and permanent invalidity due to an accident is TRY 10,000.
If there is no credit card expenditures or installment payments for the upcoming billing cycles, participation certificate is canceled for that period.  When the monthly outstanding sums incur again, a new life insurance participation certificate is created automatically.

Who Can Use It?

Excluding the commercial cards, CardFinans holders aged 18-60 who are in a good health condition.

Waiting Period

90 days should pass for the compensations of the coverages including unemployment, temporary incapacity because of an accident or disease, and daily hospital because of an accident or disease to become valid.

Term for Entitlement to Compensation

30 days following the actual risk should pass for the compensation payments to start.  This term is not sought for in use of compensations for daily hospital coverages due to an accident or disease.
This product is provided by Cigna Sağlık Hayat ve Emeklilik A.Ş..

World of CardFinans

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