Riziko life insurance

Life is unpredictable, so it makes sense to take care of the financial protection of your loved ones early on. Take out insurance and responsibly ensure that your family members are financially secure in the event of death.

Low monthly premium.

High sum insured, which is constant throughout the contract.

Guaranteed financial security of loved ones and preservation of the living standard in case of the worst.

Additional benefits of insurance:

	The option of linking to a loan. In case of death, coverage of the remaining loan, any remaining balance is paid to the beneficiaries.
	Free medical examination.*
	Insurance duration up to 30 years.

* According to the conditions of Zavarovalnica Sava.

Riziko insurance includes:

	predetermined sum insured in case of death,
	in case of death, payment of the sum insured to your beneficiaries,
	the option of adding additional insurance coverage: the option of accident insurance for your children, insurance against the risk of illness for 23 serious diseases, additional sums insured in case of accidental death, personal genetic analysis of susceptibility to certain diseases or reactions to certain drugs.

Most frequent questions and answers

What types of life insurance are there? 

We know two types of life insurance: with a fixed sum insured and with a decreasing sum insured. With a fixed sum, the sum insured remains the same throughout the contract. This option is ideal for family insurance. With a decreasing sum insured, the sum insured decreases evenly during the duration of the contract and is more suitable for credit insurance.

Risk insurance is insurance with a fixed sum insured.

How long should life insurance last? 

The duration of life insurance depends on the purpose for which it is taken out. For example, if we want to provide the children with education in emergency cases, the insurance period ends only when the youngest child is financially independent. A real estate loan must be secured for the entire duration of the loan.

When is the right time to take out life insurance? 

As soon as someone is financially dependent on you, mostly family or business partners, it is advisable to take out life insurance for the worst possible life scenario. Taking out Riziko insurance is especially recommended for some more important life events, such as a wedding, the birth of a child, or the purchase of a dream property. Since certain health questions must be answered when taking out life insurance, it is recommended to take out it as soon as possible.

Which sum insured is appropriate? 

The recommended minimum just to compensate the insured person's loss of income is three times their annual salary.

If you have any other questions, we will be happy to answer them in one of our branches, where our experts are at your disposal, or click on the I am interested button, submit your information and we will contact you as soon as possible.

Are you interested in Riziko life insurance? The conclusion is simple.

With just one call

Click on I am interested, submit your information and we will contact you as soon as possible.

I AM INTERESTED

Contact us and we will help you find the best solution for you.
new kbm

080 17 70

In the branch

You can open an account in one of our branches.
We are the most accessible bank with the widest network, where you can open an account and provide various other services throughout Slovenia.

	Insurance documents
	Brochure SAVA Riziko life insurance
	General terms and conditions for accident insurance
	General conditions SAVA Riziko life insurance
	Additional conditions for SAVA Riziko life insurance
	Additional conditions for SAVA Riziko life insurance (school)
	Supplementary conditions for additional insurance of serious diseases with multiple payments
	Personal genetic analysis (DNA) - SAVA

PRICE LIST AND GENERAL CONDITIONS

* Insurance is not a banking service. Nova KBM acts as a marketing agent, while the insurer is Zavarovalnica Sava.

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