We have a wide range of protection products to help your customers feel safe and covered if the unexpected should happen.
Payment protection insurance is voluntary and guarantees payment of the outstanding balance in the event of a claim.
Protect your customers so they don't have to worry about eventualities such as unemployment.
This insurance will give your customers the peace of mind they need.
The coverage is tailored to the different characteristics of the commercial agreement.
For more information, you can call 900 101 601.
We offer closed CaixaBank payment protection insurance packs, with the best options for your customers, including coverage such as:
DEATH
- The outstanding capital is settled on the claim date.
- Covers death due to accident or illness.
SEVERE DISABILITY
It covers severe disability due to accident or illness, using the Social Security certificate.
UNEMPLOYMENT OR TEMPORARY DISABILITY
Unemployment:
It covers the dismissal of customers with a permanent contract, civil servants (temporary) and members of co-operatives. The main requirement is that the INEM recognise the unemployment situation. There is a waiting period of two months from contract signing and a one-month excess.
Temporary Disability:
It covers temporary disability for self-employed workers, career civil servants and customers with a temporary contract. And it has a two-month waiting period, only for illness, from contract signing and a
Compensation in both cases:
-Indemnity to be received for Cards: Compensation will be paid with 10% of the balance drawn on the date of temporary disability, monthly with a maximum of six consecutive monthly payments, regardless of the customer's payment method and with a maximum of €400/month.
-Indemnity to be received for Loans: Compensation will be provided with the amount of the monthly payment, with a maximum of six consecutive monthly payments or 18 alternate monthly payments, and with a maximum of
€400.00/month.
PURCHASE GUARANTEE (CARDS ONLY)
Covers the financed good in the event of theft or total destruction up to 90 days from the date of purchase. The maximum coverage amount is €2,500.
FRAUDULENT USE (CARDS ONLY)
Protects the customer against fraudulent use of their card up to 48 hours before the fraud is reported, even if they make online purchases. The maximum coverage is €150.
Adversiting:
1. Information subject to policy terms and conditions. Insurance policy from VidaCaixa, S.A.U. de Seguros y Reaseguros, with tax ID no. A-58333261 and SegurCaixa Adeslas, S.A. de Seguros y Reaseguros with tax ID no. A-28011864. In the event of underwriting the insurance product, this will be carried out by CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U., which acts as an intermediary in taking out the insurance as a banking-insurance operator linked to VidaCaixa, S.A.U. de Seguros y Reaseguros, SegurCaixa Adeslas, S.A. de Seguros y Reaseguros and Metlife Europe, D.A.C.Branch in Spain, and it is entered in the Register of Insurance and Reinsurance Distributors of the Directorate-General for Insurance and Pension Funds with number OV0077, as can be verified by consulting this body, whose registered address is Paseo de la Castellana, 44, (28046) Madrid, telephone 91 339 70 00, www.dgsfp.mineco.es. CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U., has arranged with the insurance company Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A., with Tax ID No. A28013050, the relevant policy for professional civil liability to cover any responsibilities that may arise due to professional negligence, subject to the provisions of current legislation, and has sufficient financial capacity in accordance with current legal requirements.
