Combined Investment & Insurance
Insurance products combined with investments (unit-linked insurance or insurance-based investment products – IBIPs) offer a simple but effective solution for clients who look for a universal solution for their protection and building wealth for the future.
Our products feature many significant innovations. One life insurance contract for the whole life and the whole family. Using of internal (insurance) funds, which offer a variety of options for investment – relatively stable performance thanks to investing into corporate and government bonds and/or high performance due to investments into stocks traded on major stock exchanges worldwide and/or also sustainable and impact investing. Flexibility in paying the premium and changes of the contract without processing fees thanks to the unique construction of Insurance Account.
Italy
NOVIS Infinity Life
Includes also NOVIS Loyalty bonus which is a minimum of 4500 EUR for every policy or which is based on agreed premium - depending on product version.
GTC-60230031 - 01.01.2023
Previous versions:
Effective From/Till
GTC - 60220019 - 17.01.2022 - 15.05.2022
GTC - 60210817 - 02.08.2021 - 17.1.2022
GTC - 60200510 - 12.05.2020 - 02.08.2021
GTC - 60191108 - 04.11.2019 - 31.05.2020
GTC - 60220022 - 04.04.2022 - 02.08.2022
GTC- 60220026 - 02.08.2022 - 06.02.2023
NOVIS Infinity Life Gold
Tailor-made for clients over 50 years old. Among other features includes also NOVIS Loyalty Bonus based on the agreed premium minimum of 4500 EUR depends on the product conditions.
GTC-60230032 - 01.01.2023
Previous versions:
Effective From/Till
- GTC - 60200511 - 12.05.2020 - 02.08.2021
- GTC - 60210818 - 02.08.2021 - 17. 01.2022
- GTC - 60220020 - 17.01.2022 - 15.05.2022
- GTC - 60220023 - 04.04.2022 - 02.08.2022
- GTC - 60220027 - 02.08.2022 - 06.02.2022
NOVIS Gemini Life
GTC - 60230033 - 01.01.2023
Previous versions:
Effective From/Till
Iceland
NOVIS Life Savings Plan
In addition to the general features of our products, it includes supplementary insurance coverage, including critical illnesses insurance and permanent disability insurance. It includes also a NOVIS Loyalty bonus of 6.000 Eur for every policy based on the product version.
GTC - 17230013 - 01.03.2023
Previous versions:
Effective From/Till
- GTC - 17210809 - 02.08.2021 - 01.03.2023
- GTC - 17191207 - 02.12.2019 - 31.07.2021
- GTC - 17191006 - 08.10.2019 - 31.01.2020
NOVIS Flexible Savings Plan
Tailor-made for clients over 50 years old. Among other features includes also NOVIS Loyalty Bonus 2.000 EUR.
GTC - 17230014 - 01.03.2023
Previous versions:
Effective From/Till
Germany
NOVIS Flexible Life
Created with a cost structure designed to suit both clients up to 49 years old and clients over 50 years old. Includes NOVIS Loyalty Bonus up to 6.000 EUR.
AVB - 40210312 - 10.03.2021
Austria
NOVIS Flexible Insurance
AVB - 50210606 - 18.06.2021
Slovakia
NOVIS Responsible Life
In addition to the general features of our products, it includes supplementary insurance coverage, including critical illnesses and operations, accidents, disability, and waiver of premium insurance. It also includes a NOVIS Loyalty bonus:
- Contracts for an indefinite period: 3000 EUR
- Contracts for a fixed term, min 20 and max 29 years: 1000 EUR
- Contracts for a fixed term, min 30 and max 39 years: 2000 EUR
- Contracts for a fixed term, min 40 years: 3000 EUR
GTC - 10200926 - 01.09.2020
Previous versions:
Effective From/Till
NOVIS Best Value
In addition to the general features of our products, it includes supplementary insurance coverage, including critical illnesses and operations, accidents, disability, and waiver of premium insurance. It also includes a NOVIS Loyalty bonus:
- Contracts for an indefinite period: 3000 EUR
- Contracts for a fixed term, min 20 and max 29 years: 1000 EUR
- Contracts for a fixed term, min 30 and max 39 years: 2000 EUR
- Contracts for a fixed term, min 40 years: 3000 EUR
GTC - 10200927 - 01.09.2020
Previous versions:
Effective From/Till
