Life – Health – Pension Insurance

Protection of Family

We all strive to realize our dreams and goals, to secure those we love by improving our way of life and laying the foundations for a better standard of living. The road to the future and financial security is constant and full of challenges and opportunities.

What happens in case something unexpected happens;

Our lives may change. Family income is likely to fall sharply. At the same time, fixed and extraordinary expenses, inheritance taxes, any outstanding loans may not be possible to be covered while, at the same time, plans for the future, such as children’s education may no longer be possible to take place.

It is not possible to predict and avoid an unexpected event.

But we CAN be prepared!

• Strengthen the protection of our family from an unexpected and unfortunate event.
• Secure those we love by creating an environment of confidence and perspective for the future.
• Make an act of love and responsibility for those we love and are financially directly dependent on us.

The insurance solutions we offer you allow you to look to the future with confidence, adapting the insurance programs to your own needs.

Meeting the needs for Health expenditures

What is our most valuable asset? Our Health!

The need to ensure, for ourselves and our families, quality health services is growing, as the National Health System is degraded, and social and economic changes occur due to state budget deficits. Insecurity prevails in every family due to cuts in medicines, equipment, nursing staff and doctors in public hospitals.

The insurance programs of the Private insurance companies come to fill the existing gap and to meet our needs.

Good health is a non-negotiable good, and this is why we take care of it:

• schedule periodic medical checkups
• quit smoking
• adopt a more mediterranean diet
• include exercise into our lives with a 30-minute daily physical exercise

We conclude a health insurance policy in time to have:

• Immediate and timely treatment
• Responsible diagnosis and effective treatment
• Quality in the provision of high level service
• Decent and humane hospital conditions.

Capital Building Solutions

Will the pension amount be enough for me to live in dignity?

What will be my pension when I will stop working?

Will the fund be able to give me the pension I am entitled to?

Will I be able to cover my children’s studies?

What can I do now for my grandchildren’s future?

For years in many countries around the world answers and solutions to the above questions have been given by the Savings and Pension programs by private companies.

In our country, too, the conditions for the reliability of insurance companies are now being created, following the adoption of laws and the creation of the guarantee fund, the supervision by the Bank of Greece and the application of stricter control rules.

At Promist SA we believe the time is right to start saving.

Mortality tables will change in the coming years, the guaranteed technical interest rate may not exist and the guaranteed pension will become more expensive. So here it is true that those who started investing and saving first will be more favored.

In savings – pension insurance programs, the client decides on the payment starting date and the amount of the pension or savings fund as well as the amount of money it will pay.

It chooses itself the pension or savings programs that it will invest its money in, so that it feels confident and secure for their final return. (Guaranteed Return or Unit Linked highest possible returns through investment funds)

The pension and savings insurance products promoted by insurance companies are:

• periodic payments (monthly, quarterly, semi-annually or annually)
• Lump Sum payments (the amount is paid once at the beginning of the program).

They are flexible and allow for extraordinary payments, in order to increase the final pension or savings amount that the insured person can receive.

In addition, they also provide for the possibility of transferring the pension, payment of part of it, immediately or after some years depending on the wish of the insured person.

Company Personnel Insurance Solutions

Group insurance complements the benefits of the Social Insurance Agency, provides protection from the financial consequences of unforeseen events caused by accident or illness (especially in a time of declining incomes). The insured persons and their families obtain substantial benefits at a low cost of insurance.

Why should a company choose to insure its staff?

1. the most important asset for its development, the human resources, alleviating its income reductions and proving in practice the care for its employees.
2. competitive advantage in the labor market to attract and retain capable executives.
3. strengthens the employees’ sense of security and trust in their employer and consequently their dedication and productivity.
4. insurance premiums that a company will pay for the group insurance of its staff are deducted from their gross income – up to € 1,500.00 for each employee per year.