Frequently Asked Questions

What if I ask for help or advice?

If you require help or advice contact us from 8 am to 4.30 pm

E-mail: infoshendet@uniqa.al

In case of emergency do not hesitate to call 04 2 233 308

We also provide What’s Up Customer Relations number: +355 68 606 2829

Do I need approval for any medical services I get?

It is a contract requirement for you to request authorization for the following services: Hospitalization, Resonance or Scanner, Day Surgery, Medical Evacuation with Air Ambulance

How chronic diseases differ from pre-existing ones?

A chronic disease is a diagnosis for which no curative treatment is known, such as: Asthma or Diabetes. A pre-existing disease is one that first manifested symptoms before insurance coverage began, or a diagnosis that is a direct consequence of another known and diagnosed.

Will the premium change on the day the contract is renewed?

The age and prices of medical services on the market can affect the insurance premium year after year. Severe illnesses will not increase the insurance premium, but if the premium you paid is not enough for the damage you cause during the year to health care alone, it will increase the premium. For example: A healthy person pays 100 euros a year but does medical services even though he does not have a diagnosis.

If a baby is born during the insurance period?

The baby will be covered by insurance automatically once your next contract has been renewed.

Can I change my insurance coverage?

On the renewal date you can apply for an option with different coverage limits.

Can I pay the premium in installments?

Yes, if you have a credit card that has advantages in our POS points.

Where can I complain if I am dissatisfied with the service?

In these cases, please write to us to:

SIGAL UNIQA

Health Department Director

SIGAL Business Center

Blvd «Zogu I Pare»

Tirana, Albania

The form to be filled in if you decide to apply and request a fee

What coverage does the policy “All risks in construction “offers?

The policy “All construction risks” is addressed to entities working in the construction sector. This policy usually covers specific construction projects that provide:

 

contracted works;

construction machinery and equipment;

liability to third parties.

What is the need of the policy “All construction risks”?

The main reason to buy a policy “All construction risks” is to protect the works you are contracted to develop. For example: if you are building / rebuilding a blazing building, then your client expects you to finish the work but will not pay you again to finish it after the damage has occurred. In this case intervenes the policy “All construction risks” which covers the costs of repairing or rebuilding the works performed on the site.

In most cases, this type of policy is bound by the contract you will enter into with the contracting authority / project financier.

When to report that an accident has caused damage to the contracted works?

You should notify the agent, or broker or insurer as soon as possible. We will provide immediate assistance.

Should we report losses below the deductible

If the loss is confirmed to be below the Discount, it is not necessary to report it to us. In case you are unsure about the value of the final loss or the value of the deductible, we recommend contacting your broker, broker or insurer for further assistance.

A passerby is injured by an object that has fallen off from the employee’s platform. Should we report this to you?

Section 2 of a standard policy “All Construction / Assembling Risks (CAR / EAR) covers your legal liability for bodily or material damage caused to third parties while developing insured works. We recommend that you report all incidents involving third parties to us even though the damage may seem minor.

The injured passerby has brought medical bills to us and wants to be reimbursed immediately. What should we do? Should we pay the passerby and recover the damage from you in a second moment?

You can ask the passerby to send you a written request explaining the case and bring the medical invoices to the letter and notify that the claim for damages will be sent to your insurer. Under the terms of the policy, you should not accept liability or offer compensation for damage without first consulting the insurer. No harm shall be paid unless our consent has been obtained to do so.

Is there a time limit to bring the documents of a claim to you?

Yes, there is a time limit to report the damage and bring the relevant documents. Your insurance policy contains this information. We recommend that you bring us all the damage documentation once you are ready. The sooner you bring us the required documents, the sooner your damage will be assessed.

What kind of life insurance should I buy?

Life insurance is a unique financial way that supports caring and loving your relatives. Life insurance also offers personal benefits, but the main benefit is financial care for those we love most in life, to provide security and prosperity in any situation and uncertainty.

 

SIGAL offers you a wide range of products with a variety of coverage to meet different insurance needs.

 

If you have taken out a bank loan then you must have Life Insurance Loan; If you are planning to save to provide education and wellbeing for your child, or a quiet life during retirement, then the most appropriate product is: Life Savings

Why should I make a life insurance if you take out a bank loan, if a loan debt is a risk protected by collateral placed as a guarantee to the bank

Life Insurance for Loans, offers insurance against the risk of default on the loan, in the event of an insurance event. This coverage is a very good financial protection mechanism for family members, who are not obliged to take out a loan at the bank. This insurance not only protects the income and standard of living of the family, but also avoids any legal steps arising from the loan contract so that the property itself is left as collateral to be used for foreclosure. This is a double protection and the real benefit is the peace and security of life for the family.

Why should I invest my income on the Life Savings product?

We live an easy life, our financial needs change day by day. SIGAL offers you a perfect combination of capital saving and protection for your relatives.

 

The Savings Life products offered by SIGAL Life are products designed to meet your personal financial goals, such as better education and well-being for your child, a quiet life even during retirement.

SIGAL offers you a wide range of products with a variety of coverage to suit your financial needs and opportunities.

Products offered in this group include:

“Today for Tomorrow” –

“Kids Saving Box” –

These packages include saving elements and protective elements. So, by getting these products, you save and invest for your retirement or your child’s education. At the end of the insurance period, the insured may withdraw the insurance amount immediately, or in the form of a monthly pension for a period determined by the insured himself.

 

In addition to the investment element, these products also offer disaster protection by offering the benefit of insurance to your family. If the loss of life of the insured person occurs, your family member or your child will benefit immediately from the insured amount.

 

Although no one wants to think of bitter events in life, planning a financial safeguard for children is the most meaningful gift for a lifetime. In such cases, the child benefits from the insurance amount as this product offers the life insurance of the parent

What other benefits can this product offer?

The service offered to our clients aims to be oriented towards multiple services. By being provided with this product, you will be provided with a card that can benefit up to 30% off at some private hospitals in our medical network.

But that doesn’t stop there, if you also choose for the optional “Accident Insurance” optional supplement, SIGAL Life also provides you with daily benefit reimbursement for every day if you suffer full temporary disability as a result of an accident.

Can the beneficiary be changed?

Yes. Beneficiaries may be changed at any time by the Contractor / Insured by giving written notice to the Company. If no beneficiaries are established, the provisions of the Civil Code on inheritance apply.

Is the insurance policy valid outside Albania?

Yes, the Life Insurance policy has no territorial restrictions.

How can premiums be paid?

Payment can be made annually or in 6-month installments.

What happens if I do not have the financial means to pay the premium on time but do not wish to terminate the contract?

For the payment of the premium for the following years, the waiting period to pay is 45 days from the mandatory date of insurance commencement. If the customer is unable to pay within the 45-day deadline SIGAL offers the option of extending the payment period for a few months, it is sufficient for you to notify the insurer in writing and to comply with the new terms and conditions set by the insurer.

Can I change my mind and cancel the policy?

The policyholder has the right to return the policy within 30 days of its issuance. The insurer returns all the value of the premium paid.

What happens in case of termination of contract before the deadline?

If the termination occurs after payment of the first 3 annual premiums, SIGAL Life returns the policyholder a refundable premium (the amount of premiums paid after deduction of expenses incurred). All values are reflected in the insurance policy in the Benefit Table (premium returned).

What insurance do I need for my car?

  • For every vehicle registered in the Republic of Albania, you are obliged to obtain TPL insurance for the movement within the territory of the country.For every vehicle registered in the Republic of Albania, which plans to travel outside the territory of the country, the Albanian Green Card insurance is required.For any vehicle with foreign registration that circulates within the territory of Albania, it is necessary to obtain an Albanian Border Insurance, or an insurance of the country of origin having Albania’s coverage area, for damages to third parties.

How much does it cost TPL insurance, Green Card, Border Insurance for my vehicle?

  • The TPL insurance price varies based on the vehicle’s categorization, motor power, number of seats and year of manufacture.The price of Green Card insurance varies based on the vehicle category and the period you plan to travel outside the country. The periods for which you can obtain a Green Card are: 15-day, 1-month, 3-month, 6-month and 1-year.The price of Border Insurance varies based on the vehicle category and the period you plan to travel to our country. The periods for which you can get Green Card are: 15-day, 30-day, 45-day, 6-month and 1-year.

What does TPL Insurance, Green Card and Border Insurance cover and where do they differ?

  • Compulsory motor insurance covers the driver’s liability for damages that may be caused to third parties while the insured is in the cause of an accident.TPL insurance is issued for vehicles with Albanian license plates, while traveling within the territory of Albania.Green Card Insurance, issued for vehicles with Albanian license plates, while traveling outside the territory of Albania, member of the Council of Bureaus (list of countries involved is listed in the police).

    TPL insurance is issued for vehicles with foreign registration plates, while traveling within the territory of the Republic of Albania.

How much does green card insurance cost for Montenegro and is it valid for other countries?

  • Green Card Insurance with Coverage Territory Montenegro has a different insurance price than Green Card insurance. This insurance covers territory of Montenegro only, and has no liability coverage in any other member state of the Council of Bureau.

Where can I buy my auto insurance, and can I print my auto insurance from your online site?

    • You can be provided with TPL / KJ / Border Security at any SIGAL UNIQA office by presenting a vehicle registration permit and an identification vehicle.You can get TPL / KJ / Border Security in the Smart Phone or PC app, or by visiting our website SIGAL.com.al in the Buy Online section.Please be advised that it is a legal requirement to have a TPL / KJ / Border physical security policy signed and stamped by SIGAL UNIQA representatives or is not validly printed or photographed. For this reason, after purchasing online, you must obtain a physical insurance contract.

What are your insurance offers and if I make online purchase do I get any discount?

If you apply by purchasing TPL insurance products online, you may receive a bonus from SIGAL UNIQA as follows:

 

TPL + Private Pension within Insurance Price. You become a member of the SIGAL Private Pension Fund, from which SIGAL UNIQA will collect in your Private Pension Account within one month a value depending on the category of the insured asset.

TPL + Free Apartment Insurance. Apartment Insurance covers damage to your apartment as a result of fire, lightning, explosion, dropping of any aircraft or part of it and earthquake, up to the value of its reconstruction.

TPL + Free Driver Personal Accident Insurance. Driver’s Personal Accident Insurance reimburses the driver in the event of an accident resulting in loss of life of up to ALL 1,000,000.

TPL + Free Mini-Casco Insurance. Mini-Casco insurance covers the damages your vehicle sustains in the event of a collision with another vehicle on the road within the country’s territory. The secured amount is equal to the market value of your vehicle, but not more than 1,000,000 ALL.

What covers Mini Casco insurance and how much it costs?

The Mini-Casco insurance contract covers damages caused by a collision on the road with another vehicle, as evidenced by the Road Police Report. This policy is only valid for one insurance event per year and the indemnity limit is up to 1,000,000 new lek. If you are guilty of an accident, then SIGAL UNIQA indemnifies you at 50% of the damage value. If you are a beneficiary, you can still apply for reparation and SIGAL reimburses 90% of the damage.

 

The Mini-Casco insurance contract is offered free of charge to SIGAL UNIQA clients, in case you pay the full TPL insurance premium.

Can I choose risk insurance coverage at Casco Insurance?

The above risks can be selected by the client according to the client’s wishes, based on the needs of the client. Our experts support you in order to make the best selection as needed at the lowest cost possible.

 

SIGAL UNIQA Group Austria offers CASCO insurance of your vehicle for the following risks:

 

Accidental Injuries

Breaking the Glasses

Fire, Lightning, Explosion

Natural Catastrophes

Theft (total)

Partial theft

Damage to parking by another unidentified vehicle

Damages from acts of malice

Casco Insurance outside the territory of the Republic of Albania

The deductible in case of damage will be 10% of the case, except in the case of total theft, partial theft and malicious acts which is 20%, the minimum damage is 100 euros.

Can I get Casco insurance for my car that is older than 10 years on the market?

SIGAL UNIQA is the only insurance company on the market, which provides Casco with assets older than 10 years in circulation. If you provide TPL insurance with SIGAL UNIQA liability from the SIGAL UNIQA Agent Network, then for vehicles that are manufactured or older than 10 years from the year of manufacture, you may insure against the risks of following:

 

Accidental injuries (collision with another vehicle certified by road police report)

Breaking the Glasses

Fire, lightning, explosion

Natural Disasters

The deductible in case of damage is 20%, the minimum damage is 10 000 ALL, the selection of the above risks is obligatory, and they are inseparable from each other.

What is a Private Pension?

 

In Albania, besides the state pension system, the private pension system has been functioning for 12 years. Anyone can decide to, in addition to the mandatory contribution to the state pension (known as ‘social security’), contribute to a private pension fund to have a second pension: this is the private pension.

 

Private pension starts as a savings account which in addition to the contribution made by the member also has interests (interest = profit made from investing contributions).

Why do I need a private pension?

FPP SIGAL LIFE UNIQA Private Pension offers you several benefits:

– There are more favorable working age and retirement conditions (retirement age is 5 years before state pension);

– The value of the pension is greater than that of the state schemes;

– There is a very favorable fiscal system which consists of:

a- The contribution paid for private pension is deducted from the gross salary of the member for tatami effect.

b-Profit from investment in securities, bonds not subject to tax

c-Contributions the employer pays in favor of his employees are considered deductible expenses and are not subject to profit tax.

d- The return on investment in securities, 10-year Bonds is many times higher than the profit you can get from bank deposits, the second-tier.

For whom is suitable a private pension?

Private pension is recommended for anyone, as there will come a day when we will all need retirement. By saving our youth and all the time we are at work, we can provide ourselves with extra income during old age and thus do not burden our children or other family members. Everyone can contribute as there is no age limit until retirement age.

How much do I need to pay?

The minimum contribution amount starts from 1000 ALL per month. The earlier the contribution starts, the better the investment and consequently the retirement age benefit. This is clearly illustrated in the following example:

 

For 10-year contribution with 5000 ALL per month the member receives a pension for 10 years, with 8200 ALL and the return on investment is 384,000 ALL, while for 25 years with 5000 ALL per month the member receives a 25-year pension. 17,000 ALL for 25 years and the return on investment is 2,580,000 ALL.

How is the contribution paid?

The pension contribution can be made on a monthly, quarterly, semiannual, and annual basis directly to the Fund’s bank account. Payment of contributions can be made as immediate as well as combined with both.

Can the contribution be changed?

Yes, the contribution is variable. You can increase or decrease the contribution throughout the duration of the contract. This means that each member, if he or she has signed a contract for 2000-a-month, changes his membership depending on his financial status. contribute with 5000 lek or can contribute with 1000 lek, this change is done without changing the contract, because it functions as a deposit account. of early retirement.

What happens to the contributions paid to the private pension fund?

The contributions paid to the Pension Fund are invested in 7-year and 10-year Bonds at the Bank of Albania at rates many times higher than deposits in commercial banks. These contributions earn interest every day, and do not stick at any point without investing.

How can I get the money I contributed?

The amount invested can be obtained at the time of early retirement age, in two forms:

 

– In the form of a periodic annuity which means, every month it is deposited into the member’s bank account. The pensioner chooses his / her own pension if his / her assets expire;

 

– Immediately withdrawing the pensioner from the bank immediately. The accumulated amount consists of the contributions paid plus interest

In the event of disability or loss of life what happens to the contributions?

In the event of illness or accident during membership, you receive a disability pension,

 

which you receive from the SIGAL Pension Fund until the asset is completed in your account.

 

In case of loss of life of the investing person, all the remaining amount of contributions together with the interest goes to his / her family members (heirs receive family pension).

What happens if I terminate the contract before the deadline?

There is no penalty in case of temporary suspension of the payment of contributions and the resumption of the payment of the contribution again. Whereas in case of contract termination before reaching early retirement age the penalties range from 2% -15% depending on the years of membership.

Is there transparency in SIGAL UNIQA's Pension Fund?

The SIGAL LIFE UNIQA Voluntary Pension Fund is an open-ended fund that ensures continued transparency by informing each member of their asset situation through:

 

24-hour access to individual member accounts via the fppsigal.com.al website

Annual written notice of the status of the member’s net assets and related investments.

Publish daily on net asset value and quote price website

In what forms can a private pension be invested?

There are seven forms of investment to obtain a private pension. Anyone can choose one of them, which may interest them most:

 

Monthly contribution payment and monthly benefit by contribution years.

In this product the years of payment of the monthly contributions are equal to the years of the monthly retirement benefit. For example:

 

The monthly contribution of 10,000 ALL per month for 20 years, the benefit for 20 years is a pension of 27,000 ALL per month, receiving the investment return of 4,080,000 ALL.

 

Monthly contribution payment and monthly benefit for 10-15-20 years.

In this product the retirement benefit years are predetermined 10-15-20 years.

 

The monthly contribution of ALL 3,000 invested in the SIGAL Pension Fund for 25 years receives a pension of 10 years 19,000 ALL per month;

 

14.100 ALL for 15 years;

 

for 25 years 11,000 ALL per month;

 

Here it can be seen that the pension decreases proportionally with the increase in the length of time it is received.

Fixed monthly payments and immediate benefits.

This product offers monthly contribution payments and immediate asset benefits. For example:

 

The monthly contribution is 10,000 ALL per month for 15 years and after 15 years you will benefit 2.684.000 ALL of which 884.000 ALL are profit. This example is for ages who want to retire for 15 years, while for a person who wants to retire for 30 years the example is as follows.

 

Monthly contribution 5000 ALL contributes 30 years and after 30 years benefits 4.178.000 ALL from these investment returns is 2.678.000 ALL.

 

Instant payment and monthly pension by years

This product provides instant contribution payments and monthly retirement benefit by years. The investment phase is equal to the monthly retirement benefit phase.

 

For example:

Instant lump sum contribution of ALL 2,000,000, the member receives a monthly pension of ALL 36,000 for 20 years, and the return on investment in this case is ALL 6,640,000.

 

Immediate contribution payments and immediate benefits.

This product offers instant contribution payments by purchasing previous insurance periods and immediate benefits by years of investment.

 

For example:

We get an immediate disbursement of 5,000,000 ALL and invest for 15 years and after 15 years this amount comes from the investment made in the fund worth 10,560,000 ALL, so the profit is 5,560,000 ALL.

 

Instant payments + monthly contribution and monthly pension benefits.

This is called a combined product, it offers instant payments by buying previous insurance periods + monthly payments and instant benefits or monthly retirement for 10-15 years. and thus, buy the earlier periods.

 

For example;

Instant contribution of ALL 1,000,000 + monthly contribution of ALL 10,000 per month for 10 years of investment may receive immediate benefit of ALL 3,200,000 or in the form of a pension for 10 years of ALL 34,000 per month.

 

Instant Contribution Payment and Monthly Pension by Year.

This product offers instant contribution payments by purchasing previous insurance periods. It is suggested for people who are close to retirement age and do not have the time to invest. Immediately after the outflow begin to receive pensions.

 

For example:

Immediate contribution of ALL 3,000,000, and the pensioner receives an immediate monthly pension of ALL 23,800 per month for 15 years. The profit from this investment is ALL 1,284,000.

The rate of return on investment of the Fund’s assets varies depending on market conditions.

What other benefits do you have from joining SIGAL UNIQA's private pension fund?

All members of the SIGAL Pension Fund equipped with the SIGAL Pension Card benefit:

 

30% bonus for medical services at private clinics and hospitals of the SIGAL UNIQA medical network and at SIGAL Health Club;

Up to 25% bonus for voluntary car insurance;

Up to 50% bonus for voluntary home insurance.

What is Business Insurance?

Business insurance includes a wide range of policy options designed to protect the business from financial losses. Every business operation has and faces a unique set of risks, which means that a business insurance policy must be tailored to the specific needs of each business. Many factors, such as the size of the company and the number of company employees, work materials, and whether the business has the work vehicles it needs in its day-to-day business activities will serve to determine what specific coverage will be provided. need to have a business to avoid risks and protect the company financially. Many business owners may feel that they may need to turn to different insurance companies to get all the necessary coverage for their business to guarantee protection against the risks their business is exposed to.

 

But if you come to SIGAL UNIQA GROUP AUSTRIA you will not only get professional advice from our best experts in the field of business insurance according to your needs, but you will also have the opportunity to get all the necessary insurance from one single office that will save you extra effort, unnecessary procrastination, time and money. SIGAL UNIQA will be your partner to assist and support you with comprehensive product and service packages that provide the one that works best for you:

Insurance of all risks at the construction phase of buildings (buildings, factories, plants, airports, bridges, highways);

Insurance of all risks in assembly and disassembly;

Ensure a safety deadline after completion of works;

Insurance of damages that may be caused to the contractor, subcontractor of works and damages caused to third parties;

Insurance of health and life of workers from accidents at construction sites.

 

Select the engineering insurance package to fit more by clicking on:

Sigurimet Inxhinjerike

OR

Select your life insurance package to fit more by clicking on:

 

Sigurimi i jetës

OR

Select an accident insurance package to fit more by clicking on:

 

https://sigal.com.al/shendet-dhe-aksidente/sigurimi-nga-aksidentet/

What does business insurance cover?

Business insurance coverage for commercial and business operations include:

 

General Liability Insurance: Covers damages caused to third parties that have resulted in injury or injury to other people.

It is good to know / Choose the package to fit more with SIGAL UNIQA: https://sigal.com.al/passuri-and-guaranci/insurance-i-claims/

 

Professional Liability: Covers professionals against losses caused by neglect of professional duties, malicious actions, counseling and services resulting in injury or injury to other persons. It is good to know / Choose the package to fit more with SIGAL UNIQA: https://sigal.com.al/passuri-and-guaranci/insurance-i-claims/

Product Liability Insurance: Covers defective and damaged products, illness, injury or death that may result from the use of a defective product. It is good to know / Choose the package to fit more with SIGAL UNIQA: https://sigal.com.al/passuri-and-guaranci/insurance-i-claims/

Property Insurance: Covers the loss and damage of your commercial property’s assets / assets as a result of fire, earthquakes, storms, and other causes. It is good to know / Choose the package to fit more with SIGAL UNIQA: https://sigal.com.al/passuri-and-guaranci/insurance-i-prones-and-claims/

Commercial Vehicle Insurance: Covers commercial vehicles and drivers from damages resulting from collisions, liability, property damage, personal injury.

It is good to know / Choose the package to fit more with SIGAL UNIQA: https://sigal.com.al/secures-e-details-te-machines/

 

Employee Compensation: It covers your employees if they get sick or injured / injured while doing their job. It’s good to know / Choose the package to fit more with SIGAL UNIQA: https://sigal.com.al/health-and-excident/insurance-from-accident/

 

But if you come to SIGAL UNIQA GROUP AUSTRIA you will not only get professional advice from our best experts in the field of business insurance according to your needs, but you will also have the opportunity to get all the necessary insurance from one single office that will save you extra effort, unnecessary procrastination, time and money.

How does business insurance work?

Business insurance is a contract that is concluded between an insurance company and a business. The insurance company agrees to share the business risks of a business in exchange for a premium payment. In the event of losses covered by the insurance policy, the insurance company pays the financial loss the business incurs to the extent of the financial liability specified in the insurance policy as the deductible amount will be paid to the business upon the claim for loss compensation.

 

In the event of a loss, the business will typically have to file and file a claim with the insurance company for a practical claim. If the fire destroys part of the business premises, for example, the company will open a practice of damages against the conditions set out in the business insurance policy for fire coverage. A company expert assesses the extent of the damage and then proceeds with claim processing. If the damage is in accordance with the terms of the insurance, the insurance company will pay the appropriate amount as compensation to the business for the losses incurred.

 

But if you come to SIGAL UNIQA GROUP AUSTRIA you will not only get professional advice from our best experts in the field of business insurance according to your needs, but you will also have the opportunity to get all the necessary insurance from one single office that will save you extra effort, unnecessary procrastination, time and money.

It is good to know / Choose the package to fit more with SIGAL UNIQA:

https://sigal.com.al/pasuri-dhe-garanci/sigurimi-i-prones-dhe-pergjegjesise/

How much does business insurance cost?

Business insurance costs vary. How much it will cost to insure your business depends on several factors depending on the type of business and the type (s) of coverage appropriate for the business and business operations. Costs also depend on the size of the business itself and they can be reduced through effective risk management practices as well as comparing the costs of other providers in the market.

 

If you come to SIGAL UNIQA GROUP AUSTRIA you will not only get professional advice from our best experts in the field of business insurance according to your needs, but you will also have the opportunity to get all the necessary insurance from an office the only ones that will save you extra effort, unnecessary procrastination, time and money.

 

How much does it cost? – Business Termination Insurance

The premiums for this insurance range from 0.2% to 1% of the insured amount, depending on the business being conducted.

It is good to know / Choose the package to fit more with SIGAL UNIQA: https://sigal.com.al/passuri-and-guaranci/insurance-i-prones-and-claims/

 

How much does it cost? – Constructors’ All Risk Insurance

 

The premiums for this insurance range from 0.05% to 0.6% of the insured amount, depending on the type of facility, the nature of the facility and construction conditions, the value of contracted works and machinery, liability limit as and by the duration of construction and the warranty period.

 

It’s good to know / Choose the package to fit more with SIGAL UNIQA: https://sigal.com.al/passuri-and-guaranci/insurance-engineering/

 

How much does it cost? – Erection All Risk Insurance

 

The premiums for this insurance range from 0.1% of the insured amount to 0.5% of the insured amount, depending on the mountings to be performed.

 

How much does it cost? – Machinery Insurance (MI)

 

The premiums for this insurance range from 0.2% to 0.5% of the insured amount, depending on the mountings to be performed.

 

It’s good to know / Choose the package to fit more with SIGAL UNIQA: https://sigal.com.al/passuri-and-guaranci/insurance-engineering/

Is business insurance mandatory by law?

Business insurance is mandatory by law, but only under certain circumstances. The following business insurances are required by law if they are applicable to your type of business and the situation where you may be:

 

Professional Liability Insurance: Providing professionals against their professional responsibilities.

It’s good to know / Choose the package to fit more with SIGAL UNIQA:

 

Sigurimi i Përgjegjësive

Employee Indemnity Insurance: If you have hired employees in your business, you will be required by law to provide employee indemnity insurance in the event of their health, accident, or death while on the job.

It’s good to know / Choose the package to fit more with SIGAL UNIQA:

 

Sigurimi nga aksidentet

Disability Insurance: Depending on the nature of your business, you may be required by law to provide partial replacement insurance for employees who may become disabled as a result of doing their jobs.

It’s good to know / Choose the package to fit more with SIGAL UNIQA:

 

Sigurimi nga aksidentet

If you come to SIGAL UNIQA GROUP AUSTRIA you will not only get professional advice from our best experts in the field of business insurance according to your needs, but you will also have the opportunity to get all the necessary insurance from an office the only ones that will save you extra effort, unnecessary procrastination, time and money.

What kind of insurance do I need?

Depending on the nature of the business and any insurance policy that you will be required by law to obtain, the following types of business insurance should be considered essential:

General Liability Insurance: Covers against damages as a result of accidents, injuries and negligence.

Product Liability Insurance: Coverage against product defects.

Professional Liability Insurance: Covers professionals against abuse of duty, negligence or mistakes at work.

Business Asset / Asset Insurance: Covers against damages to your business property / assets by fire, earthquakes or other unexpected events.

Business Interruption Insurance: Protects your business if for a certain period you cannot operate your business due to financial losses.

 

 

Since business and business insurance needs to be tailored to your business risks, it is essential for you to consult and work with an insurance company that has all the knowledge, experience and capacity to do so. you are advised on which type of insurance would be best suited to protect your business investment.

It’s good to know / Choose the package to fit more with SIGAL UNIQA:

 

Sigurimi i pronës dhe përgjegjësisë

 

If you come to SIGAL UNIQA GROUP AUSTRIA you will not only get professional advice from our best experts in the field of business insurance according to your needs, but you will also have the opportunity to get all the necessary insurance from an office the only ones that will save you extra effort, unnecessary procrastination, time and money.

What does general liability insurance cover?

Liability Insurance protects you against a liability under the law for damages, costs and expenses in accordance with claims for damages caused to third parties. This insurance protects you from losses you may not be able to pay in other ways and provides a mechanism through which individuals / third parties can receive compensation for damages incurred, such as by replacing their income. and enabling them to live a normal life, or to provide funds to restore properties at value that has been impaired.

It is good to know / Choose the package to fit more with SIGAL UNIQA: https://sigal.com.al/passuri-and-guaranci/insurance-i-claims/

 

But if you come to SIGAL UNIQA GROUP AUSTRIA you will not only get professional advice from our best experts in the field of business insurance according to your needs, but you will also have the opportunity to get all the necessary insurance from one single office that will save you extra effort, unnecessary procrastination, time and money.

What is professional liability insurance?

Professional liability insurance protects you from the damage you may cause to the health or property of third parties while performing your professional activity or advising third parties. This insurance covers professions such as: Architects and engineers; Real estate appraisers; insurance agents and investment advisers; attorneys; and notaries.

 

It is good to know / Choose the package to fit more with SIGAL UNIQA: https://sigal.com.al/passuri-and-guaranci/insurance-i-claims/

 

But if you come to SIGAL UNIQA GROUP AUSTRIA you will not only get professional advice from our best experts in the field of business insurance according to your needs, but you will also have the opportunity to get all the necessary insurance from one single office that will save you extra effort, unnecessary procrastination, time and money.

In the event of disability or loss of life what happens to the contributions?

In the event of illness or accident during membership, you receive a disability pension,

 

which you receive from the SIGAL Pension Fund until the asset is completed in your account.

 

In case of loss of life of the investing person, all the remaining amount of contributions together with the interest goes to his / her family members (heirs receive family pension).

Do you need insurance for your house?

What documents are needed?

 

Certificate of ownership or contract of sale and purchase

1 photo of the house.

Will you be insured for termination of your business?

What documents are needed?

Copy of the certificate of ownership of the object or copy of the lease in order to bind the insurable interest;

Detailed values for Building, Machinery, Equipment, Economic Inventory, Raw Material and Ready-made Product;

Completion of the Insurance Takeover Questionnaire;

Photo of the facility;

Copy of the balance sheet.

Do you need the “Responsibility insurance”?

What documents are needed?

 

NRC of the company;

CV of company and management staff;

Balance of last two years;

Completion of the application questionnaire.

Do you need “Guarantee Insurance”?

What documents are needed?

NRC of the company;

CV of company and management staff;

Balance of last two years;

Completion of the application questionnaire.

Do you need to insure your Engineering work?

What documents are needed? Copy of contract with Investor;

Completion of the Insurance Takeover Questionnaire;

Timeline of works;

Preventive Works;

CV of the company.

Do you want to be financially secure?

What documents are needed?

 

CV of company and management staff;

Balance of last two years and copy of Audit;

Completion of the application questionnaire;

List of employees;

Copy of contracts with physical security companies and money carriers

What should I do in case of damage?

PROPERTY INSURANCE

For every case Fire, accident (road, family, during construction works), Theft / Robbery, malicious damage, we inform you that there are 4 free to use numbers to connect to:

 

State Police at 129

Fire Service at 128

Ambulance at number 127

Road Police at 126

 

 

Notify Emergency Service at 112 free of charge; 112 is the number of emergency services throughout Europe, and Albania’s introduction of the European Joint Emergency Power Plant has also brought about an improvement in the services provided to foreigners coming to Albania whether they are tourists or nationals in need. risk.

 

Notify the nearest SIGAL UNIQA Branch / Agency for which the Insured is obliged to notify the Security Case which must be done within 24 hours of the occurrence in one of the following ways:

 

Tel: +355 4 2233308 / +355 4 2253407/08

Email:  info@uniqa.al or pasuria@uniqa.al

What should I do in case of damage - Health and Accidents

Quick tips in case of accident / damage

HEALTH EMERGENCIES

Within Albania

In the event of a health emergency, contact SIGAL UNIQA immediately at:

Tel: +355 4 2233308 / +355 4 2253407/08

E-mail: infoshendet@uniqa.al or info@uniqa.al

 

If you are in Albania, go to the nearest hospital or clinic and show your insurance card in order to obtain preferential rates as insured at SIGAL UNIQA;

Keni Pyetje ?

Shërbimi për klientët

+355 4 22 33 308
E hënë – E diel 24h
> info@sigal.com.al

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