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Opiekun

High sum insured for key employees

Group life insurance 
Opiekun VIP (Guardian VIP)

Why should you do it?

  • High sum insured
    This is the perfect solution for business owners and partners and their most valued employees. The wide range of coverage allows full protection in the event of death, illness, accident or incapacity. 

What is VIP Guardian group life insurance

What are the benefits

Benefits for partners
This is a convenient solution for business partners as they can designate each other as beneficiaries. In this way, in the event of the death of one of them, the other can receive funds to possibly buy out the shares in the company from the partner’s heirs.
Benefits for partners
This is a convenient solution for business partners as they can designate each other as beneficiaries. In this way, in the event of the death of one of them, the other can receive funds to possibly buy out the shares in the company from the partner’s heirs.
Extendable coverage
You can extend your insurance coverage at any time with additional contracts for: consequences of accidents such as death, disability, incapacity or damage to health.
You can also protect employees financially in the event of serious illness or hospital treatment.

Find out how to conclude a contract

3 steps to insurance

Strona ubezpieczenia na życie i zdrowie Twoje Życie Allianz - grafika ubezpieczenia na całe życie

Contact

Our team of experts specialising in the sale of group insurance are on hand to provide help and support. Talk to our Agent about the needs of your employees. 
Strona ubezpieczenia na życie i zdrowie Twoje Życie Allianz - grafika ubezpieczenie na wyższą kwotę

Scope of insurance

At a meeting or during a conversation, we will present the scope and conditions of the best insurance for your employees.
Strona ubezpieczenia na życie i zdrowie Twoje Życie Allianz - grafika pakiet konsultacji lekarskich

Support for you

We will organise informational meetings for employees in an agreed form, e.g. online. We will explain the details of the insurance policy and coverage.

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Incapacity for work as a result of an accident
  • substantial financial assistance in the event of permanent and total incapacity to work due to an accident
  • payout: up to PLN 3 million

Incapacity for work and serious illness
  • depending on the option: financial support in the event of serious illness or incapacity to work (caused by illness or accident)
  • payment in the event of 11, 20 or 46 serious illnesses; the list of serious illnesses includes, inter alia, malignant tumour, heart attack, stroke, kidney failure, by-pass surgery, aortic surgery, organ transplantation, coma, loss of speech, loss of sight
  • payment in case of incapacity or serious illness: up to PLN 3 million
Disability due to an accident
  • isubstantial financial support in the event of permanent injury caused by an accident, based on the disability table (19 items)
  • multiple payouts up to PLN 10 million
Death due to an accident
  • additional support for relatives in the event of death resulting from an accident
  • payout: up to PLN 10 million
Permanent health impairment due to an accident
  • assistance in case of permanent damage to health caused by an accident
  • payout: 1% of the sum insured is paid for the given percentage of impairment (percentage of an amount selected from the range of PLN 50,000 - PLN 150,000)
Permanent impairment due to an accident in a progressive benefit system
  • benefits similar to “Permanent health impairment due to an accident” insurance, but the payout also depends on the so-called progression coefficient (this means relatively higher payouts for higher impairments - up to PLN 600,000 maximum)
"Healthy Life" hospital benefit
  • financial assistance in case of treatment in hospital for approximately 1,800 reasons
  • payout: a specified % of the sum insured (amount selected from the range of PLN 20,000 - PLN 50,000), depending on the type of medical procedure carried out
Hospital treatment
  • payment for each day of hospitalisation in the event of hospitalisation of at least 5 days. The benefit is paid until the sum insured is exhausted
  • daily rate - up to PLN 300 (for the first 14 days), up to PLN 150 (from the 15th day)
Hospital treatment in a progressive benefit system
  • payment for each day of hospitalisation in the event of hospitalisation of at least 5 days. The benefit is paid until the sum insured is exhausted
  • daily rate - up to PLN 450 (for the first 14 days), up to PLN 75 (from the 15th day); additional single benefit - up to PLN 1,500 - for a stay at the emergency department (min. 24 hours)
Assistance
  • assistance in difficult situations such as: three home medical visits per year, medical transport, care by a nurse in hospital, child care, care for pets in the event of hospitalisation, medical assistance abroad
* Please refer to the general conditions of insurance for full definitions of serious illness.

Documents

OWU Opiekun VIP / General Terms and Conditions 596 KB
Deklaracja przystąpienia do ubezpieczenia Opiekun VIP / Declaration of enrolment 145 KB

This advertising material is for information purposes only, serves to provide an approximation of the insurance coverage and does not constitute an offer within the meaning of Article 66 § 1 of the Civil Code or a recommendation to apply for or accept an offer of an insurance contract. This document does not constitute a template contract or part of the insurance contract. The detailed scope and terms of insurance are governed by the General Terms and Conditions of insurance and the appendices relevant to this contract (available at the Document Centre), where you can find provisions relating to, inter alia, premium, scope of insurance, limitations and exclusions of liability of Towarzystwo Ubezpieczeń Allianz Życie Polska Spółka Akcyjna and terms of payment and principles of calculation of insurance benefits.

Towarzystwo Ubezpieczeń Allianz Życie Polska Spółka Akcyjna with registered office in Warsaw, ul. Rodziny Hiszpańskich 1, 02-685 Warsaw, entered in the Register of Entrepreneurs kept by the District Court for the Capital City of Warsaw in Warsaw, XIII Commercial Division of the National Court Register, KRS number: 0000002561, NIP 5260209975, REGON 010587003, share capital PLN 95 480 000; paid-up capital: PLN 87 267 500. Here you can find full company details.