WARTA Posag (Dowry) WARTA Posag (Dowry)

WARTA Posag (Dowry)

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Advantages

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Important information

WARTA Posag is an individual life and dowry insurance of Life Insurance Company Warta S.A. (hereinafter: Warta TUnŻ S.A.).

The insurance coverage under the WARTA Posag insurance is granted by TUnŻ WARTA S.A. All the product details and the full list of exclusions of the insurer’s responsibility are included in the General Terms and Conditions of WARTA Posag insurance available at www.citihandlowy.pl, and at Bank Branches.

The WARTA Posag insurance contract is concluded between the Client and the insurer through the Bank.

The Bank Handlowy w Warszawie S.A. with its registered office in Warsaw at 16 Senatorska Street acts as an insurance agent performing agency activities for the following insurance companies:

  • MetLife Europe Insurance Designated Activity Company,
  • Warta S.A. Insurance and Reinsurance Company,
  • Warta S.A. Insurance and Reinsurance Company,
  • Europ Assistance SA - branch in Ireland,
  • Nationale-Nederlanden Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna,
  • Vienna Life Towarzystwo Ubezpieczeń na Życie Spółka Akcyjna.

The Bank does not hold any shares of the above-mentioned insurance companies entitling to at least 10% of votes at the insurance company general meeting. No insurance company holds the Bank's shares entitling to at least 10% of votes at the Bank's General Meeting.

The Bank, as an insurance agent, receives remuneration from the Insurance Company in the form of a commission, which is included in the amount of the insurance premium and constitutes its appropriate percentage or another type of remuneration included in the amount of the insurance premium. The Bank also receives other types of remuneration from the Insurance Company in the form of financial or non-financial benefits within the insurance distribution and participation in periodic promotional projects dedicated to the Bank as a distributor.

The bank is entered under the number 11120807/A in the register of insurance agents kept by the Polish Financial Supervision Authority.

The customer can check the Bank's entry in this register via the website: https://rpu.knf.gov.pl/.

In the insurance sales and service processes, the Bank applies the principles set out in the "Recommendation of good practices on the Polish bancassurance market in the field of investment and savings insurance" issued by the Polish Bank Association and the Polish Insurance Association.

Funds paid as a premium under the WARTA Posag insurance are not a bank deposit, they are not guaranteed by the State Treasury or any government institutions, with the proviso that receivables arising from the life insurance contract are guaranteed by the Insurance Guarantee Fund in the event of the Insurer's insolvency in the amount of 50% of the receivables of persons entitled under the insurance contract, but up to the amount not greater than the equivalent in PLN – EUR 30 000.00. WARTA Posag insurance is not a liability or guaranteed by the Bank or any of its affiliates or subsidiaries.

This material is of advertising/marketing nature and does not constitute an offer within the meaning of Art. 66 of the Civil Code.

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Your personal data will be administered by Bank Handlowy w Warszawie S.A. with its registered office in Warsaw, ul. Senatorska 16. The Bank carries out the processing of your personal data first of all to initiate activities to enter into an agreement between you and the Bank, including marketing involving the Bank’s products and services and similar products and services offered by the Bank’s partners, and presentation of an offer, i.e. in the Bank’s or Bank’s partners’ legitimate interest (Article 6(1)(f) of GDPR). You are entitled to: access your personal data, rectify them, erase them, restrict their processing, transfer your data and object to their processing. More detailed information is available at the website of Bank Handlowy w Warszawie S.A. in the “GDPR” section, see clause no. 29.

Documents

Additional information

  • Rescission and Termination of the Insurance Contract

    The Client may rescind the insurance agreement within 30 days from the conclusion of the agreement, and may terminate the insurance agreement during its entire term.

  • Enquiries and complaints

    Complaints, including grievances and appeals, may be submitted by the policyholder, the insured person, or the beneficiary under the insurance contract to TUnŻ "WARTA" S.A.:

    Principles and Procedure for Reporting and Processing Complaints

    1. Complaints may be submitted:

    • a) to TUnŻ "WARTA" S.A.:
      • - in writing, on paper, to the following address: PO Box 1013, 00-950 Warsaw 1, or delivered in person at any of the insurer's customer service locations,
        - in writing, electronically, to the electronic delivery address: AE:PL-43731-69770-HRJAI-14 or using the form available at www.warta.pl/reklamacje,
        - verbally: by phone at 502 308 308 (call charges apply) or for record purposes at any of the insurer's customer service locations;
    • b) at the Bank:
      • in writing:
        - at a Bank Branch during Branch office hours or by mail to the following address: Citi Handlowy, Customer Complaints and Inquiries Service Office, ul. Goleszowska 6, 01-260 Warsaw 42;
        - via Citibank Online electronic banking after logging in under the "Contact" tab, or to the Bank's email address listybh@citi.com, or to the Bank's electronic delivery address: AE:PL-51087-16873-WFBWS-31;
      • verbally – by phone or in person, for the record, during the Customer's visit to the Bank Branch.
        Current contact details for filing a complaint with the Bank are available on the Bank's website (www.citibank.pl).

    2. The Insurer will review the complaint within 30 days of receipt and provide a written response: by letter in paper form or by email – depending on the method of filing the complaint or the choice of the complainant. If the complaint is submitted by a client to the electronic delivery address, the Insurer will respond electronically to the client's electronic delivery address. In particularly complex cases, the response period may be extended to 60 days, of which the complainant will be notified in advance.

    3. The Bank will review complaints regarding the Bank's obligations as an Agent in accordance with the procedure set forth in the document "Information on Complaint Processing by Bank Handlowy w Warszawie S.A.", available on the Bank's website in the Documents > Bank Information > Complaints > Complaint Processing Information section.

    4. The authority competent to review complaints by the Insurer is the organizational unit of TUnŻ "WARTA" S.A. designated by the Management Board of TUnŻ "WARTA" S.A.

    5. The entity authorized to resolve disputes out of court is:

    • the Court of Arbitration at the Polish Financial Supervision Authority (www.knf.gov.pl),
    • the Financial Ombudsman (www.rf.gov.pl).
  • Benefit payment

    If there has occurred an event covered by the insurance policy, the beneficiary shall submit an application for benefit payment directly to the Insurer. To that end, the beneficiary will fill up the form provided by the consultant or the Insurer – at any branch or online at www.warta.pl.

    An application for payment of the benefit will be deemed filed on the date the application is received by the insurer. For detailed rules on submitting a claim for benefit payment and on benefit payment to be made by the Policyholder go to the General Terms and Conditions of Insurance or to the website www.warta.pl.

  • Limitations and exclusions of the Insurer's liability

    In order to learn about the limitations and exclusions of the Insurer's liability, please read the General Terms and Conditions of the given insurance.