1. The protection contract (protection arrangement
1.1. This protection contract was finished up between guarantors: Insurance Company "SIGKOS" JSC and the protected or his delegate (the builder) brought in governmental issues, gave that the protection premium paid by the guaranteed, the guarantor embraces if safeguarded occasion happened, to pay for the advantage of the protected or recipients of advantages accommodated in this understanding.
1.2. Protection contracts finished up for a time of one year with the privilege of reestablishment after the end of the protection year. The safety net provider marked protection contract subsequent to examining the composed proclamations of the physical wellbeing of the protected and the protection premium paid. Purposeful distortion by the protected or the policyholder can serve as an explanation behind the undoing of an agreement or to drop the back up plan from the commitment to pay the advantage.
1.3. The protection contract should go into power upon the arrival of installment 00:00
Honor, yet not before the date demonstrated in the approach.
1.4. In these conditions can be safeguarded persons matured 16-65 years. Individuals less than 16 years old and more than 65 years of age can be given to exceptional and corresponding conditions.
1.5. Scope will be wiped out or will never again be legitimate in the accompanying cases:
(A) Completion date determined in the protection approach;
(B) If either party singularly does not meet the kontraktove. The obligation falls on the guarantor, which is in charge of giving back the grant paid ahead of time for the remaining përudhen protection;
(C) either gathering waives the protection contract;
(D) if the guaranteed sets up his home outside the region of Kosovo;
(E) installment after a security occasion that devours the whole remaining measure of protection.
2. guaranteed sum
2.1. The entirety guaranteed characterized in protection, at the solicitation of the safeguarded and the guarantor's endorsement.
2.2. The greatest sum stipulated by protection branches is 5,000 euros for understudies and 10,000 euros for understudies. For sums higher protection must be gotten from the focal administration "SIGKOS" in Pristina.
3. Protection Premium
3.1. Protection premium is situated at a rate of the entirety guaranteed and paid with a yearly portion. In the event that the guaranteed individual's habitation is exchanged outside of Kosovo, or bite the dust for a cause that does not constitute a protection occasion, the guarantor should return the premium for recipients remaining përudhen security.
3.2. On the off chance that the safeguarded is occupied with an expert movement amid the occasions, it ought to be done instantly see in composing the safety net provider, which has the privilege to make relating increments in job përudhen Prize work the guaranteed.
4. agent
4.1. You must select the recipient at the season of finish of the protection contract. Repair, if fundamental, be paid to the protected itself or its assigned recipients.
4.2. On the off chance that we don't have the ostensible assigned recipient by the guaranteed and the protected bites the dust, the privilege to profit by having folks or lawful gatekeeper of the safeguarded.
5. Home
Every safeguarded individual must be domiciled in the region of
Kosovo. On the off chance that the guaranteed individual leaving Kosovo to dwell in another Member State, it might be obliged to inform the guarantor inside of 15 days before flight.
6. The execution of the approach
6.1. advantages in the occasion of a mishap
In the occasion of a mishap the safeguarded under the strategy,
Guaranteed or recipients of advantages paid to a worker who takes after the outcomes of the episode:
an) if the mishap causes the demise of the protected, the safety net provider pays the protection whole demonstrated in the approach, however in the wake of deducting the advantages already paid.
b) execution for changeless incapacity created by mischances. At the point when a mishap causes changeless handicap, the back up plan pays:
-everything of the protection scope when absolute lasting incapacity approach is.
-Percentage of protection sum when the lasting incapacity is incomplete are given in table setting without abilities, which is a fundamental piece of the protection conditions:
Note: If the protected is left-given, it exited rates apply
On the privilege.
-If harmed a few sections of the body, the rates assembled, however broad disappointment may not surpass 100% of the protection sum. All installments may not surpass the aggregate guaranteed.
d) doctor's facility Daily Reward
the protected individual paid .75 for every day of stay in the healing facility due to the mishap
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