We are a family with children

The most important priority for parents is to take care of their children and ensure their future. Each family member has unique needs which can change over the time. NOVIS offers one contract suitable for the entire family for life.

  • One contract for all family members (less worries, less fees).
  • It is not necessary to have any kind of marriage or other law or biological relation.
  • It is possible to be insured from birth.
  • Each family member can be insured for an individual set of insurance risks most suitable to him/her.
  • Terms and conditions of the contract can be amended according to changes in the client’s life situation (e.g. the number of insured persons, insurance risks, the amount of insurance coverage) free of cost.
  • Every contract includes the possibility of financial childcare (scholarship, dowry, etc.) thanks to the advance payments of an insurance benefit or partial surrenders.
  • NOVIS offers insurance for diseases, operations and comprehensive accident insurance as a supplement to obligatory health insurance - without any limit in number of insurance claims and it is valid worldwide.
  • Liquidity of the balance of insurance account – clients have access to their resources anytime and especially in difficult times (some restrictions may apply according to the General Terms and Conditions).

And, you are also eligible for all the rest of NOVIS’ advantages and innovations. Find out more!

I have a mortgage or other loan

Do you need life insurance to secure your loan? Choose NOVIS’ innovative product. It covers a wide range of insurance risks, ensures you a decent pension, and preferably elevates your saved funds.

  • Useful life insurance and collateral for the loan in one - death insurance with a decreasing sum insured. As the amount of your loan decreases, the amount to which you are insured continuously decreases as well.
  • You can agree the same for the other insurance coverages as well.
  • The funds on the insurance account can be converted into a life annuity at any time and without payment of levies and the insurance coverage continues.
  • The insurance account and thus also a potential pension increase when you select the NOVIS Survival Bonus and also thanks to the NOVIS Loyalty Bonus.
  • In addition, the client can determine who will be paid a pension – him or herself, and/or other persons.

And, you are also eligible for all the rest of NOVIS’ advantages and innovations. Find out more!

I’m single / We’re a couple building a future

Think about your future right now and secure a decent income through innovative life insurance, which also elevates your saved up funds. And if you start a family later, your contract can be changed flexibly to fit your new needs – with zero additional cost.

  • One contract for more people without any required relation between them and with individually set risk coverage.
  • Terms and conditions of the contract can be amended according to changes in the client’s life situation (e.g. the number of insured persons, insurance risks, the amount of insurance coverage) all free of cost for processing the change.
  • NOVIS offers insurance for diseases, operations and comprehensive accident insurance as a supplement to obligatory health insurance – and it is valid worldwide.
  • Through an insurance policy, you can also ensure a decent pension:
    • The balance of the insurance account can be converted into a life annuity, the insurance coverage persists – at any time and without payment of levies.
    • The insurance account and thus also a potential pension increase when you select the NOVIS Survival Bonus and also thanks to the NOVIS Loyalty Bonus.
    • In addition, the client can determine who will be paid a pension – him or herself, and/or other persons.

And, you are also eligible for all the rest of NOVIS’ advantages and innovations. Find out more!

I’m mature 50+

It is never too late to start thinking about a better future. Whether you are single or have a large family, are still working or taking a well-deserved rest, NOVIS can help meet your needs.

  • NOVIS Wealth Insuring is also beneficial for people 50+.
  • Through an insurance policy, you can ensure a decent pension:
    • The balance of the insurance account can be converted into a life annuity, the insurance coverage persists – at any time and without payment of levies.
    • The insurance account and thus also a potential pension increase when you select the NOVIS Survival Bonus and also thanks to the NOVIS Loyalty Bonus.
    • In addition, the client can determine who will be paid a pension – him or herself, and/or other persons.
    • Insured persons in need of nursing care can get a higher pension.
  • NOVIS offers insurance for diseases, operations and comprehensive accident insurance as a supplement to obligatory health insurance – and it is valid worldwide.
  • Each insurance policy offers the possibility of financial care of children or grandchildren (e.g. various insurance coverages, dowry, scholarships, etc.) thanks to advance payments of an insurance benefit or partial surrenders.
  • In the case of disability pensions, our clients can be exempted from paying periodic premiums.
  • In the case of death of the policyholder, the beneficiaries will be rewarded with the sum insured for death and the entire money value of the insurance account.

And, you are also eligible for all the rest of NOVIS’ advantages and innovations. Find out more!

I’m self-employed with a small business

Find the most effective solution for your future. NOVIS offers a complete solution that protects you, appreciates your funds, and ensures you and your loved ones a decent pension.

  • One contract that keeps your life and pension ensured:
    • Funds saved on the insurance account can be at any time and without payment of levies converted into a life annuity and the insurance coverage persists.
    • The insurance account and thus also a potential pension increase when you select the NOVIS Survival Bonus and also thanks to the NOVIS Loyalty Bonus.
    • In addition, the client can determine who will be paid a pension – him or herself, and/or other persons.
  • NOVIS offers insurance for diseases, operations and comprehensive accident insurance as a supplement to obligatory health insurance – and it is valid worldwide.

And, you are also eligible for all the rest of NOVIS’ advantages and innovations. Find out more!

My case is different

NOVIS Wealth Insuring is a flexible product changing with your priorities.

And, you are also eligible for all the rest of NOVIS’ advantages and innovations. Find out more!