Conditions

General terms and conditions of ERGO Insurance services

Effective as of 01.05.2024

General terms and conditions of ERGO Insurance services

Valid for contracts issued until 01.05.2024

General terms and conditions of insurance contracts KT.0948.18

Valid for contracts issued until 05.06.2022

General terms and conditions of insurance contracts KT.0919.13

Valid for contracts issued until 06.02.2019

General terms and conditions of insurance contracts KT.0898.12

Valid for contracts issued until 07.12.2013

General terms and conditions of insurance contracts KT.0806.11

Valid for contracts issued until 31.10.2012

General terms and conditions of ERGO Life Insurance services

Effective as of 01.09.2022

General terms and conditions of health insurance contracts TI.0190.20

Valid for contracts issued until 28.02.2025

General terms and conditions of life insurance contracts TI.0166.18

Valid for contracts issued until 01.09.2022

General terms and conditions of health insurance contracts Tl.0187.18

Valid for contracts issued until 01.07.2020

Terms and conditions of accident insurance KT.0918.13

Terms and conditions of liability insurance of pet owners KT.0539.09

Terms and conditions of pet insurance KT.0757.11

Conditions of ERGO corporate insurance KT.0958.20

Effective as of 14.07.2020

Conditions of property insurance risks KT.0904.13

All risks insurance conditions KT.0785.11

Safety requirements of corporate property insurance KT.349.08

Equipment failure insurance conditions failure of computer and office appliances KT.0770.11

Special conditions of liability insurance KT.0906.13

Business interruption insurance conditions KT.0905.13

Corporate property insurance conditions KT.0656.11

Valid for contracts issued until 20.01.2013

Special conditions of liability insurance KT.0464.09

Valid for contracts issued until 20.01.2013

Conditions of ERGO corporate insurance KT.0942.19

Valid for contracts issued until 13.07.2020

Conditions of insured risks KT.341.08-347.08.KT.0769.11

Valid for contracts issued until 20.01.2013

Conditions of insured risks KT.400-406.08

Valid for contracts issued until 20.01.2013

Terms and conditions for freight forwarder liability insurance KT.0643.10

General terms and conditions of health insurance contracts Tl.0187.18

Effective as of 01.07.2020

Special terms and conditions of ERGO health insurance for residents TI.0159.17

Effective as of 01.11.2017

List and description of critical illnesses covered Annex 1 to the Terms and Conditions

Effective as of 01.01.2017

ERGO medical insurance for nonresidents. MINI. TI.0158.17

ERGO medical insurance for nonresidents. MIDI. TI.0157.17

ERGO medical insurance for nonresidents. MAKSI. TI.0156.17

General Terms and Conditions of ERGO Health Insurance Services 01.03.2025

Effective as of 01.03.2025

Special terms and conditions of ERGO health insurance services 01.03.2025

Effective as of 01.03.2025

List and description of covered critical illnesses 01.03.2025

Effective as of 01.03.2025

General terms and conditions of health insurance contracts TI.0190.20

Valid for contracts issued until 28.02.2025

Special terms and conditions of ERGO business health insurance TI.0191.20

Valid for contracts issued until 28.02.2025

List and description of covered critical ilnesses. Annex 1 to the terms and conditions TI.0191.20

Valid for contracts issued until 28.02.2025

Home insurance conditions KT.0928.15 (MIDI)

Terms and conditions of ERGO home insurance Maksi package

Effective as of 25.08.2022

Terms and conditions of ERGO home insurance Maksi package KT.0950.19

Valid for contracts issued until 24.08.2022

Home insurance conditions KT.0909.13

Valid for contracts issued until 15.03.2015

Legal protection insurance terms and conditions for private persons KT.0936.18

Legal protection insurance terms and conditions for vehicle owners KT.0937.18

General Third Party Liability insurance conditions KT.0225.07

Product liability insurance conditions KT.0224.07

Professional liability insurance conditions of architects and engineers KT.02.18.07

Special terms and conditions of ERGO Life Insurance+

Effective as of 01.09.2022

Terms and conditions of ERGO disability insurance

Effective as of 01.09.2022

Terms and conditions of ERGO critical illness insurance

Effective as of 01.09.2022

Terms and conditions of ERGO hospital day fee insurance

Effective as of 01.09.2022

Terms and conditions of ERGO child's critical illness insurance

Effective as of 01.09.2022

Terms and conditions of ERGO cancer insurance

Effective as of 01.09.2022

Terms and conditions of ERGO accident insurance

Effective as of 01.09.2022

Special conditions of ERGO life insurance TI.0165.17

Valid for contracts issued until 31.08.2022

Special terms and conditions of incapacity for work TI.0167.17

Valid for contracts issued until 31.08.2022

Special conditions of insuring critical ilnesses TI.0168.17

Valid for contracts issued until 31.08.2022

List and description of critical diseases TI.0168.17

Valid for contracts issued until 31.08.2022

Conditions of additional accident insurance TI.0095.11

Valid for contracts issued until 31.08.2022

Special conditions of endowment insurance TI.0172.17

Valid for contracts issued until 31.08.2022

Special conditions of the educational endowment insurance TI.0154.16

Valid for contracts issued until 31.08.2022

Special conditions of life annuity insurance TI.0171.17

Valid for contracts issued until 31.08.2022

Special conditions of deffered period pension insurance TI.0173.17

Valid for contracts issued until 31.08.2022

Terms and conditions of ERGO cancer Insurance TI.0195.21

Valid for contracts issued until 31.08.2022

Special conditions of risk insurance TI.0126.13

Valid for contracts issued until 15.07.2017

Conditions of additional insurance against incapacity for work TI.0152.16

Valid for contracts issued until 15.07.2017

Special conditions of insuring critical illnesses TI.0151.16

Valid for contracts issued until 15.07.2017

Conditions of additional insurance of hospital daily allowance TI.0097.11

Valid for contracts issued until 15.07.2017

Conditions of endowment insurance TI.0155.16

Valid for contracts issued until 01.07.2017

Special conditions for regular increase of Insurance premiums and sums insured TI.0098.11

Valid for contracts issued until 01.07.2017

Special conditions of life annuity insurance TI.0090.11

Valid for contracts issued until 15.07.2017

Special conditions of deffered period pension insurance TI.0091.11

Valid for contracts issued until 15.07.2017

General conditions of life insurance contracts TI.0153.16

Valid for contracts issued until 31.12.2018

Terms and conditions of cargo insurance KT.0485.09

ERGO motor hull insurance terms and conditions

Effective as of 01.12.2024

ERGO Motor Hull Insurance KT.0959.20

Effective as of 27.07.2020

Conditions for additional coverage for ERGO motor third-party liability insurance

Effective as of 01.12.2024

Terms and conditions of motor third party liability insurance KT.0939.18

Valid for contracts issued until 30.11.2024

Terms and conditions of motor third party liability insurance KT.0923.14

Valid for contracts issued until 17.02.2018

Conditions of property insurance of apartment association KT.0907.13

Terms and conditions of property Insurance risks of apartment association KT.0908.13

Suretyship insurance KT.0935.17

Insurance terms and conditions for non-road vehicles and replaceable towed equipment KT.0929.16

Terms and conditions of travel insurance KT.0917.13

Travel insurance special conditions (COVID-19) KT.0962.21

Effective as of 11.04.2022

Recreational craft insurance conditions KT.0340.08

Liability insurance conditions of water craft possessor KT.0591.10