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ҚАЗРУС
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7775
Бұл қалай жұмыс істейді
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Шарт

Sign an insurance contract and pay mandatory contributions

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Қорғау

Protect the life and health of employees

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Сақтандыру жағдайы

If something happens, we will pay compensation to employees

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Табыс

If the term of the contract comes to an end, we will pay out the accumulated amount with the investment income

How insurance works

Group accumulative life insurance is a product that combines the functions of a deposit and life insurance.

Your company signs a contract and pays mandatory contributions. If an insured event occurs with employees - we will pay them compensation. If nothing happens and the contract term comes to an end - we will pay your company the accumulated money taking into account the investment income.

Insurance conditions

Insured

Company employees (group from 10 people)

Policyholder

Employer

Frequency of contribution payments

one-time, monthly, quarterly, semi-annually, or annually

Accumulation period

From 5 to 20 years

Bonus insurance amount

From the 3rd year, Freedom Life accrues insurance dividends, which form a bonus insurance amount

Bonuses
  1. Tax optimization through reduction of the taxable base:
    • optimization of corporate income tax through increased labor fund expenses;
    • adjustment of individual income tax of employees due to the accumulative life insurance contract, according to the norms of the Tax Code of the Republic of Kazakhstan (within the limit of 320 times the MCI per employee).
  2. Fulfilling obligations to the labor collective
  3. Supporting the property interests of employees' families
  4. Social responsibility to employees and their families
Types of insurance protection and payment amounts

Basic protection

applies to all contracts

Survival of the insured until the end of the insurance term

Basic insurance amount + dividends for the duration of the contract

Passing away of the insured during the accumulation/insurance period

Basic insurance amount + dividends for the period of the contract until the date of the insured event

Қосымша қорғаныс

Additional protection

applies if these conditions are included in the contract (*Insurance amount of choice: 1 million, 2 million, or 3 million tenge)

Passing away as a result of an accident

Additional insurance amount*

Bodily injury

For injury from 3% to 100% of the insurance amount*, set for injury protection

Disability 1st, 2nd group, resulting from an accident

Payment of 20 - 100% of the insurance amount*, set for protection in case of disability 1st, 2nd group

Hospitalization

From the 7th day to the 60th day for each day 0.2% of the insurance amount*, set for hospitalization protection

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