The captioned insurance program offered through PREVIDIR guarantees the insured an amount insured , in the event of death, any cause so that they may protect their loved ones indicated in the policy as beneficiaries. In the absence of a named beneficiary, the legitimate heirs or separate named individuals named in the will or testament shall prevail.

This program may insure all categories such as Executives, Employees, Directors, irregardless of payroll and contractual labor obligations and may exceed those limits indicated in the CCNL CollectiveNational Labor Agreement , offering supplementary limits of insurance.

For amounts insured up to EURO 300,000, no medical records are required.

  • Beneficiaries

This program has been modulated to the specific needs of the following categories of Insureds:

The terms and conditions of this product has been defined as per the CCNL Collective National Labor Agreement for Industrial Executives with regards to amounts insured and contractual obligations ( article 12 CCNL of the Industrial Executive Labor Contract obligations as indicated in the 2019 contractual renewal negotiations ).

This program includes coverage for Death “ any cause “, and Total Permanent Disability and includes some unique features such as:

  • recognition of the full amount insured for Total Permanent Disability, even if the insured may return to a job
  • amounts insured : EURO 200,000 ( previously EURO 150,000 ) if the insured is single ; EURO 300,000 ( previously EURO 220,000 ) if the insured has dependents

The policy holder may also offer supplementary limits over those indicated in the CCNL Collective National Labor Agreement ( i.e. ):

  • from Euro 300,000 to EURO 400,000 without presenting medical records
  • for limits in excess of EURO 400,000, medical documentation is required (for life insurance and also Total Permanent Disability).

The policy holder may activate coverage also ONLY for the Life insurance…….both in addition to the coverage Provided by contract and in autonomous form.

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The Boards may be entitled to insurance coverage provided by the CCNL of membership: CCNL of the Frameworks of Graphic and Editorial Companies; Minutes of Renewal Agreement 21/07/2007 of the foodies.

Previdir fully meets their needs through the program that provides for both the Death case and the case of Permanent Total Disability, integrating them with the extension of insured capital up to 300,000 euros, without any request for health documentation.

STRENGHTS

  • no medical documentation is required for amounts insured up to EURO 300,000
  • option to increase the amount insured up to EURO 1,000,000

The average pension provided by the public state fund is not sufficient to compensate the insured or his family for severe and unforseen events ( death or total permanent disability ). This product offered by PREVIDIR is an ideal solution to “ bridge the gap “ by offering competitive market conditions.

STRENGHTS

  • no medical documentation is required for amounts insured up to EURO 300,000
  • option to increase the amount i nsured up to EURO 1,000,000

The average pension provided by the public state fund is not sufficient to compensate the insured or his family for severe and unforseen events ( death or total permanant disability ). This product offered by PREVIDIR is an ideal solution to “ bridge the gap “ by offering competitive market conditions.

STRENGHTS

  • no medical documentation is required for amounts insured up to EURO 300.000,00
  • option to increase the amount insured up to EURO 1.000.000,00

and the following professionals:

For the above categories of insureds, the PREVIDIR program offers both the insured and the policy holder valuable benefits.

These categories of insureds can access these products at the same costs and conditions as per the insureds of the policy holders. Coverage can be offered for an amount insured up to EURO 300,000 for both Death and Total Permanent Disability insurance without any medical documentation.

In addition to these additional extensions of insured categories, PREVIDIR has also included an option for KEY MAN insurance.

  • KEY MAN

The most important valuable assets of any employer are their human resources, whereby sometimes someone stands out , individually or collectively, regarding the roles and responmsabilities they occupy for their employer. These employees , and the job responsabilities they occupy at their job, are considered “KEY MEN “, and insurance for these individuals are entitled KEY MAN insurance.

Given this most important role of these individuals, PREVIDIR has identified a specific insurance product for these Individuals, offering an option for an amount insured up to EURO 3.000.000,00.

In addition, for those individuals previously insured for an amount insured up to EURO 1.500.000,00 and are not older than 55 years of age, there is no mode taken.

Such a program provides the following options:

  • for amounts insured up to EURO 300,000 no medical records required
  • for amounts insured exceeding EURO 300,000 up to EURO 350,000, a medical anamnestic questionnaire is required
  • for amounts insured exceeding EURO 350,000 and up to EURO 750,000 the following medical documentation is required : HbA1c, CRP, uric acid, cholesterol, triglycerides, AST, ALT, gamma –GT, creatine, complete blood tests, HIV, Cotinine ( non smoking test )
  • for amounts insured in excess of EURO 750,000 up to EURO 3,000,000 in addition to the above this additional Medical information is required : hepatisis, ( HBeAG and Anti Hcv ), ECG( for insureds over 50 years of age ) Financial questionnaire.

STRENGHTS

  • independent options for coverage: Life coverage ( stand alone ), Total Permanent Disability , or both coverages
  • amounts insured up to EURO 300,000 with no medical documentation
  • option to increase amounts insured up to EURO 3,000,000
  • Benefits of the Program

  • collectively for non employees ( administrators , entrepreneurs, etc….. )
  • facilitated underwriting requirements
  • ad hoc options for special professionals ( i.e. Key Man )
  • coverage includes suicide
  • special conditions for Industrial Executives
  • reduced employer contributions; the employer is sub ject to pay only the 10 % solidarity contribution of the amount paid to PREVIDIR (article 6 “ I think its a food thing F.D. lgs 02/09/1997 n 134)
  • the premiums paid to the insurer through PREVIDIR is paid with a tax deduction of 19% with an annual cap of EURO 530 ( article 15, lit (f), for both employees and self employed workers.ed workers.
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