Voluntary insurance
NLB Banka sh.a. is licensed by the Central Bank of Kosovo as an intermediary in providing insurance to its clients, and offers four (4) types of insurance in cooperation with the insurance company KS Illyria.
NLB Banka sh.a. is licensed by the Central Bank of Kosovo as an intermediary in providing insurance to its clients, and offers four (4) types of insurance in cooperation with the insurance company KS Illyria.
Security
Comfort
Safty
1. Personal Accident Insurance for workers (individual or group)
In everyday life, we are all subject to various risks and potential accidents.
Personal accident insurance is a way to control the real financial situation, both for the employer and for the workers and their families.
Personal accident insurance (group) is offered to various companies, organizations and institutions that consider themselves to be ethical and caring organizations.
Our insurance policy meets all customer needs, providing coverage for all types of risk exposures and consequences. Our offer offers protection and benefits from:
Accidental death benefit equal to the sum assured specified in the policy. Benefit for total disability due to an accident, equal to 150% of the sum insured for accidental death.
The benefit for medical expenses: in case the insured, due to an insured accident, is in hospital or outpatient medical treatment, the insurer pays for the treatment expenses up to the insured amount specified in the policy.
Daily allowance: the insurer will pay for each day of temporary incapacity for work, a daily allowance equal to the amount specified in the policy as daily allowance. This compensation is paid up to 200 days.
2. Casco insurance includes coverage in the event of an accident for damages caused to your motor vehicle, compensates the costs of damages, such as destruction, loss or damage.
SUPER COMPLETE CASCO - Compensates expenses from damages as a result of:
FULL CASCO - Compensates expenses from damages as a result of:
Damages in an accident - collision, impact, flood, slide, falling into the abyss of the motor vehicle;
Falling or hitting any object (object), including falling snow and snow avalanches;
Falling of aircraft - is considered any type of aircraft, or part of it or its load that may fall on the insured motor vehicle or will hit it;
Breakage or damage to the standard glass fitted to the insured motor vehicle;
Assistance provided to injured persons and reduction of damage or increase in damage to insured items;
Fire - is considered a fire that comes from external factors and includes the insured vehicle;
Direct lightning strike – the insurance covers the damage caused by the power or heat of the lightning and the damage caused by the indirect strike to the objects destroyed by the lightning;
Sudden external impact of heat and chemical agents on the insured motor vehicle;
The explosion;
Storm - storm is considered wind that blows at a speed of 17.2 meters per second, respectively 62 km per hour and with a power of at least 8 degrees according to the Beaufort Scale;
Hail – the insurance covers damages from destruction, respectively damages to the insured motor vehicle caused by hail strikes;
Avalanche - an avalanche is considered a layer of moving snow that has been detached from the tops of mountains. The insurance covers the damage which will be caused by the pressure of the snow turned into an avalanche which moves by sliding and hits the insured vehicle;
Flood, stream or high water level - flood is considered the terrain suddenly inundated by permanent water (rivers, streams, lakes) due to the outflow of water from the bed, reinforced surfaces or dams, floods as a result of water, tides and waves of unusual power or due to the extraordinary flow of water from artificial lakes.
Only damages caused to the insured motor vehicle during the flood and immediately after the water has receded are covered by the insurance. A flood is considered the sudden flooding of the terrain by the mass of water which is formed by steep terrains due to strong atmospheric precipitation and their spillage on the road. The high level of water and underground water as a result of the flooding of the specific territory is also considered a flood. The insurance also covers the damage that will be caused by the level of high water or underground water that will exceed the level of water or flow that is indicated by the nearest water meter;
Theft, larceny, theft of parts in/of the motor vehicle(s) and illegal taking of the motor vehicle with the intention of using it for driving. It is considered that the risk has occurred if the motor vehicle is not found within 60 days from the day when the stolen motor vehicle was presented to the relevant body - Kosovo Police;
Vandalism – considered the violent behavior of third parties;
Manifestation and demonstrations – organized public expression of the mood and wishes of a group of people before State bodies and damages caused to the insured vehicle as a result of such manifestation or demonstrations by the participating crowd;
MINI CASCO - Compensates expenses from damages as a result of:
CASCO IN PARKING - Compensates expenses from damages as a result of:
PARTIAL INSURANCE - Compensates expenses from damages as a result of:
With this type of insurance, in accordance with the conditions, damage is covered for breakage and damage to vehicle windows, except for roof windows, headlights and mirrors.
3. Compulsory motor insurance of TPL vehicles
3. Compulsory motor insurance TPL+
4. Home or apartment insurance
BASIC PACKAGE offers insurance coverage for damages as a result of:
Fire, lightning, explosion, storm, hail, falling of airplanes, water flow from water supply installations, sewerage and from heating equipment and pipes (minimum cover), impact from own motor vehicle, liability (minimum cover), relocation expenses -displacement (minimum cover).
STANDARD PACKAGE offers insurance coverage for damages as a result of:
In addition to the risks included in the basic package, the flow of water from water supply installations, sewage, from equipment, from heating pipes (maximum cover), floods, streams and high water, avalanches, landslides and detachment of the soil, breaking of glass in the windows and doors of the residential building, burglary and robbery, liability (maximum coverage).
LUXURY PACKAGE offers insurance coverage for damages as a result of:
In addition to the risks included in the basic and standard package, including: water leakage from the aquarium, the weight of snow, atmospheric waters, being hit by an unknown motor vehicle, being hit by falling trees, breaking glass on glass-enclosed terraces, breaking sanitary elements, keys lost or locked inside the facility, vandalism, manifestations and demonstrations, emergency expenses (maximum coverage).
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