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    We have made a firm commitment to Romanians and local entrepreneurs in supporting their dreams, BT being the partner with whom they can start their journey.
    ӦMER Tetik CEO Banca Transilvania
    ӦMER Tetik - CEO Banca Transilvania
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    Insurance for credit or overdraft cards

    In short

    Life is simpler when you have a backup plan for the unexpected. If you often use a credit card or overdraft, we suggest life insurance designed specifically to keep you protected at all times.

    Read the Insurance for card loans or overdrafts brochure
    z PDF
    Consult the Register of insurance affiliated sub-agents
    z PDF

    How does it work?

    We wanted to make sure you'd be protected no matter what. So we offer you insurance that, depending on your socio-professional status (employed in the public or private sector, PFA, retired), covers you for the following types of events:

    Death* due to illness or accident
    Insurance covers the loan balance so your family gets out of debt
    Involuntary loss of employment
    The insurance covers a maximum of 6 monthly indemnities per event and 12 indemnities in total
    Hospitalisation due to accident or illness
    The insurance covers a maximum of 2 monthly allowances during one year of insurance

    *Death from any cause

    Read the terms and conditions
    z PDF
    Read the insurance product information document
    z PDF

    Costs

    You will pay 2.68 lei for every 1000 lei used from your credit limit.

    If at the end of a month you have not used the credit line, you do not need to pay the premium for the following month, but the insurance remains in force and you are entitled to compensation if you use the credit line the following month and do not return the full amount.

    Extra-benefits

    The first 3 months of insurance (the month you buy insurance and the following 2 months) are free. The insurance premium is calculated according to the amount used from the credit limit. You can take out insurance on the spot without a medical examination, all you need is an affidavit.

    I want insurance

    Credit or overdraft card insurance is only available at BT branches. You can only take out this type of insurance if you have a BT shopping or overdraft card. Apply below for an in-store visit.

    This site is protected by reCAPTCHA according to the Google Privacy Policy & Terms of Service.

    Do you want compensation for a life insurance with Metropolitan Life?

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