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SADRAJ
1.
O P T I U S L O V I ZA OSIGURANJE IVOTA
UVODNE ODREDBE
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1) Opti uslovi za osiguranje ivota (u daljem tekstu: Uslovi) sastavni su deo ugovora o
osiguranju ivota, koji ugovara osiguranja zakljui sa ivotnim osiguranjem BASLER
a.d.o. Beograd (u daljem tekstu: Osigurava). Ovim Uslovima reguliu se prava i obaveze
izmeu Osiguravaa, ugovaraa osiguranja, odnosno osiguranika i korisnika osiguranja,
koji proizilaze iz ugovora o osiguranju.
2) Pojedini izrazi u ovim uslovima imaju sledea znaenja:
-
za sluaj doivljenja.
Uz osiguranje ivota moe se ugovoriti i dopunsko osiguranje od posledica nesrenog
sluaja (nezgode).
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1) Osiguranje ivota zakljuuje se po pravilu na dui rok. Poetak, trajanje i istek
osiguranja odreen je ponudom i polisom osiguranja.
2) Osiguranje poinje uvek u 0,00 asova prvog dana u mesecu koji je u polisi oznaen
kao poetak osiguranja, a istek u 0,00 asova onog dana koji je u polisi oznaen kao istek
osiguranja.
POETAK I PRESTANAK OBAVEZE OSIGURAVAA
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1) Obaveza Osiguravaa da izvri isplatu u skladu sa zakljuenim ugovorom poinje u
0,00 asova onog dana koji je u polisi oznaen kao poetak osiguranja, ako je do toga
dana plaena prva dospela premija osiguranja.
2) Smatra se da je dospela premija osiguranja plaena i onda ako je ugovara osiguranja,
odnosno osiguranik, dao pisanu izjavu na osnovu koje e se naplata premije vriti putem
obustave od njegove zarade, ili je izdao banci trajni nalog za naplatu premije sa iro
rauna, ukoliko zaradu prima preko iro rauna.
3) Ako dospela premija nije plaena do poetaka osiguranja, obaveza Osiguravaa
poinje u 0,00 asova narednog dana od dana kada je dospela premija plaena u celosti,
pod uslovom da do tog vremena zdravstveno stanje osiguranika nije pogorano prema
stanju kakvo je bilo u asu podnoenja ponude.
4) Obaveza Osiguravaa da isplati ugovorenu osiguranu sumu i druge ugovorene obaveze
prestaje ispunjenjem svojih obaveza u toku i po isteku trajanja osiguranja (za sluaj
doivljenja).
UGOVARANJE PREMIJE I OSIGURANE SUME
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1) Visinu osigurane sume sporazumno utvruju ugovara osiguranja/osiguranik i
Osigurava, na osnovu Tarifnog sistema premija osiguranja Osiguravaa, pola
osiguranika, pristupne starosti osiguranika, ugovorenog naina plaanja i ugovorenog
trajanja osiguranja.
2) Kod poveanog rizika moe se ugovoriti doplatak na premiju ili posebni uslovi.
3) Osiguranje se moe ugovoriti u dinarima sa deviznom klauzulom ili u stranoj valuti
(devizno osiguranje).
4) Premija ugovorena u stranoj valuti (devizno osiguranje) uvek se plaa u ugovorenoj
valuti i u istoj valuti se vri isplata osigurane sume.
5) Premija ugovorena u dinarima sa deviznom klauzulom plaa se u dinarskoj
protivvrednosti po srednjem kursu NBS na dan plaanja.
6) Nastankom osiguranog sluaja pre isteka tekue godine osiguranja Osiguravau
pripada ceo iznos premije za tu godinu u kojoj nastane osigurani sluaj.
raskinut, prema tome da li su premije bile plaene za tri godine ili nisu, a prema taki 2)
ovog lana.
OBAVEZE OSIGURAVAA
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1) Ugovorom o osiguranju Osigurava se obavezuje da izvri isplate koje su predviene
polisom, a koje mogu biti:
1.
Kod ugovora o osiguranju ivota samo za sluaj smrti (riziko osiguranje) bez
lekarskog pregleda:
a)
b)
celu osiguranu sumu, ako osiguranikova smrt nastupi posle est meseci
trajanja osiguranja.
2.
3.
4.
5.
6.
d)
e)
smrti usled nesrenog sluaja nee biti iskljuena, ako alkoholizirano stanje osiguranika
nije u uzronoj vezi s nastankom nesrenog sluaja;
f)
g)
h)
Alchajmerova bolest;
ciroza jetre;
akutni perikarditis.
OBAVEZE UGOVARAA OSIGURANJA I POSLEDICE NEIZVRENJA TIH
OBAVEZA
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1) Ugovara osiguranja duan je da prijavi Osiguravau, prilikom zakljuenog ugovora o
osiguranju, sve okolnosti koje su od znaaja za ocenu rizika, a koje su mu poznate ili mu
nisu mogle ostati nepoznate.
Kao vana okolnost smatra se svaka ona okolnost za koju je Osigurava postavio
pismeno pitanje u ponudi osiguranja.
2) Ako ugovara osiguranja namerno da netanu prijavu ili namerno preuti neku vanu
okolnost takve prirode da Osigurava ne bi zakljuio ugovor da je znao za pravo stanje
stvari, Osigurava e zahtevati ponitenje ugovora u prvoj godini trajanja osiguranja,
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odnosno uskratiti isplatu osigurane sume ako je smrt osiguranika nastupila kao posledica
preutane vane okolnosti.
3) U sluaju ponitenja ugovora iz razloga navedenih u prethodnom stavu, Osigurava
zadrava naplaenu premiju i ima pravo na naplatu premije za period osiguranja u kome
je zatraio ponitenje ugovora.
4) Pravo Osiguravaa da zahteva ponitenje ugovora o osiguranju prestaje ako on, u roku
od tri meseca od dana saznanja za netanost prijave ili preutkivanja, ne obavesti
ugovaraa osiguranja da namerava da koristi to pravo.
5) Ako je ugovara osiguranja uinio netanu prijavu ili je propustio da d traeno
objanjenje, a to nije uinio namerno, Osigurava moe, u toku prve godine trajanja
osiguranja po svom izboru, u roku od mesec dana od saznanja za netanost ili
nepotpunost prijave, izjaviti da raskida ugovor ili predloiti poveanje premije srazmerno
veem riziku.
6) Ugovor u tom sluaju prestaje po isteku etrnaest dana od kada je Osigurava svoju
izjavu o raskidu saoptio ugovarau osiguranja, a u sluaju predloga Osiguravaa da se
premija povea, raskid nastupa po samom zakonu ako ugovara osiguranja ne prihvati
predlog u roku od etrnaest dana od dana kada ga je primio.
7) U sluaju raskida ugovora u smislu take 5. i 6. ovog lana, Osigurava je duan da
vrati prikupljenu matematiku rezervu.
8) Ako se osigurani sluaj dogodio pre nego to je utvrena netanost ili nepotpunost
prijave ili posle toga, ali pre raskida ugovora, odnosno pre postizanja sporazuma o
poveanju premije, osigurana suma se smanjuje u srazmeri izmeu plaene premije i
premije koje bi trebalo platiti prema stvarnom riziku.
9) Osigurava, kome su u asu zakljuenja ugovora bile poznate ili mu nisu mogle ostati
nepoznate okolnosti koje su od znaaja za ocenu rizika, a koje je ugovara osiguranja
netano prijavio ili preutao, ne moe se pozivati na netanost prijave ili preutkivanje.
10) Ugovara osiguranja je duan da, pisanim putem, odmah saopti Osiguravau
promenu adrese stanovanja ili mesta plaanja premije, kao i druge okolnosti od uticaja na
punovanost ugovora i izvravanje obaveza Osiguravaa.
Ako ugovara osiguranja ne prijavi promenu adrese, sva obavetenja poslata na poznatu
adresu smatraju se uredno dostavljenim.
11) Ukoliko se ugovara osiguranja, koji je iveo u Evropi, preseli u Sjedinjene Amerike
Drave, mora o tome obavestiti osiguravajue drutvo i istom dostaviti kontakt adresu
koja se nalazi van Sjedinjenih Amerikih Drava. Takoe, ugovara je u obavezi da
dostavi informaciju vlastima Sjedinjenih Amerikih Drava o svojim prihodima i imovini
ukoliko podlee poreskom sistemu Sjedinjenih Amerikih Drava.
12) Na zvanian zahtev lokalnih poreskih organa drutvo za osiguranje moe dostaviti
podatke kojima raspolae u skladu sa zakonima na snazi.
NETANA PRIJAVA STAROSTI OSIGURANIKA
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2.
3.
4.
5.
razvoda braka;
6.
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6) Obaveza Osiguravaa kod otkupa osiguranja prestaje u 0,00 asova onog dana kada je
izvrena isplata otkupne vrednosti.
7) Kod osiguranja za sluaj smrti (riziko osiguranje) ne postoji pravo na otkup osiguranja.
OBNOVA UGOVORA O OSIGURANJU
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1) Osiguranje za sluaj smrti i doivljenja, term-fix osiguranje i osiguranje za sluaj
doivljenja, koje je u smislu lana 9. prestalo da vai, ili je pretvoreno u osiguranje sa
smanjenom osiguranom sumom bez daljeg plaanja premije (kapitalizacija), moe se
obnoviti na pismeni zahtev ugovaraa osiguranja, najkasnije u roku od 12 meseci od
isteka meseca za koji je plaena poslednja premija.
2) Kod osiguranja za sluaj smrti ne moe se zahtevati obnova, ve se moe zakljuiti
novo osiguranje.
3) Obaveza Osiguravaa po obnovljenom osiguranju poinje u 24,00 asa onog dana
kada je Osigurava pismeno potvrdio prihvat zahteva za obnovu osiguranja, pod uslovom
da je plaena sva do toga dana dospela premija i da je, ukoliko je ugovoreno osiguranje
ivota za sluaj smrti i doivljenja, zdravstveno stanje osiguranika povoljno za prijem u
osiguranje. Kod osiguranja samo za sluaj doivljenja nije potrebno ispuniti uslove
vezane za zdravstveno stanje osiguranika. Prihvatanje ili odbijanje zahteva za obnovu
Osigurava je duan da izvri u roku od osam dana od dana kada je primio zahtev, a
ispunjeni su svi uslovi za obnovu. Ukoliko Osigurava u tom roku ne odbije zahtev za
obnovu, smatra se da je isti prihvaen.
4) Ako je zahtev za obnovu podnet u roku od tri meseca od prestanka obaveze
Osiguravaa, odnosno redukcije (kapitalizacije) osigurane sume, Osigurava je duan da
prihvati zahtev bez obzira na zdravstveno stanje osiguranika.
5) Ako osiguranik umre u roku od godinu dana po izvrenoj obnovi osiguranja ivota, od
bolesti koju je imao prilikom podnoenja zahteva za obnovu, a koju je preutao u zahtevu
za obnovu, izuzev stava 4) ovog lana, Osigurava isplauje smanjenu osiguranu sumu
prema Tabeli smanjenih osiguranih suma bez daljeg plaanja premije (kapitalizacija), i to
samo ukoliko je premija pri obnovi osiguranja bila plaena najmanje za tri godine, a u
skladu sa lanom 9. taka 2) pod b) alineja 2 ovih Uslova. Ako u ovom sluaju premija
nije plaena za tri godine kako bi se ispunio uslov za smanjenje osigurane sume
(kapitalizacija) Osigurava nema nikakve obaveze.
6) Ukoliko osiguranik u roku od godinu dana po izvrenoj obnovi osiguranja ivota izvri
samoubistvo, ili umre od posledica pokuaja samoubistva u ovom roku, Osigurava
isplauje samo do tada prikupljenu matematiku rezervu.
RASPOLAGANJE PRAVIMA IZ OSIGURANJA
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1) Sva prava koja proizilaze iz ugovora o osiguranju pripadaju ugovarau osiguranja, sve
dok ne nastupi osigurani sluaj.
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2.
3.
4.
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4)
Izvor dobiti koja se rasporeuje po svakoj pojedinanoj polisi osiguranja ivota iz
prethodnog stava, su kamate ostvarene investiranjem sredstava matrematike rezerve
ovih osiguranja. Dobit odgovara viku ostvarenih kamata u odnosu na raunsku kamatu
iz Tarife premija po kojoj je zakljueno osiguranje.
5)
Odluku o ueu osiguranika, odnosno korisnika osiguranja u ostvarenoj dobiti
donosi Upravni odbor Osiguravaa. Dobit se rasporeuje osiguranicima, odnosno
korisnicima osiguranja po usvajanju finansijskih izvetaja i izvetaja o poslovanju
Osiguravaa, koji se odnose na prethodnu godinu, ukoliko je Osigurava u svom
poslovanju ostvario pozitivan finansijski rezultat dobit. Dobit se pripisuje po svakoj
pojedinanoj polisi kod kojih je proteklo najmanje 3 (tri) godine osiguranja, a kod polisa
sa ugovorenom jednokratnom premijom osiguranja najmanje 1 (jedna) godina.
6)
Ostvarena dobit prema taki 4) ovog lana, rasporeuje se u iznosu od 80%, po
svakoj polisi.
7) Osnovica za obraun uea u dobiti je matematika rezerva korigovana za iznos
pretplate i zaostatka.
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8)
Pripisana dobit po svakoj polisi se isplauje uz otkupnu vrednost ugovorene
osigurane sume pri otkupu osiguranja, odnosno uz ugovorenu ili kapitaliziranu osiguranu
sumu pri isteku osiguranja.
9) Osigurava je u obavezi da osigurnike kojima je pripisana dobit, obavesti o visini
pripisane dobiti najkasnije do 15.07. naredne godine.
IZDAVANJE DUPLIKATA POLISE
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1) Nestalu polisu Osigurava zamenjuje kada mu je podneta pravosnana sudska odluka
kojom je nestala originalna polisa osiguranja ivota oglaena nevaeom (amortizacija).
2) Osigurava moe odrediti da se nestala polisa, do odreene visine osigurane sume,
zameni duplikatom bez sudske odluke o amortizaciji.
NAKNADA ZA USLUGE
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1) Ugovara osiguranja duan je da plati naknadu za vrenje svih usluga koje posebno
trai od Osiguravaa, ako to Osigurava zatrai, u visini koju odredi nadleni organ
Osiguravaa;
2) Ugovara osiguranja je duan da, pored ugovorene premije, plati sve dabine koje se
uvedu odgovarajuim propisima.
POSEBNI USLOVI
ZA OSIGURANJE IVOTA ZA SLUAJ SMRTI, DOIVLJENJA I NASTANKA
ODREENE TEKE BOLESTI
UVODNE ODREDBE SU KAO I U OPTIM USLOVIMA
OPTE ODREDBE
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1) Ugovorom o osiguranju ivota za sluaj smrti, doivljenja i nastanka teke odreene
bolesti, ugovara osiguranja se obavezuje da uplauje odreena novana sredstva premiju osiguranja kod Osiguravaa, a Osigurava se obavezuje da, ako nastane
osigurani sluaj, isplati osiguraniku, odnosno korisniku osiguranja osiguranu sumu,
odnosno njen deo.
2) Uz ovo osiguranje moe se ugovoriti i dopunsko osiguranje od posledica nesrenog
sluaja (nezgode).
3) Po ovim Posebni uslovima mogu se osigurati zdrava lica od navrenih etrnaest godina
do navrenih pedeset pet godina, s tim da u momentu zakljuenja ugovora o osiguranju
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nije bolovao od bolesti navedenih u lanu 5. ovih Posebnih uslova. Istek osiguranja se
moe ugovoriti najkasnije do ezdeset pete godine starosti osiguranika.
4) Ne moe se ugovoriti, odnosno nitavo je osiguranje za lica mlaa od etrnaest godina,
kao i lica potpuno liena poslovne sposobnosti. U ovim sluajevima Osigurava e vratiti
ugovarau osiguranja sve premije primljene po osnovu tako zakljuenog ugovora.
5) Ugovor o osiguranju je nitav ako je u asu njegovog zakljuivanja ve nastao
osigurani sluaj ili je bio u nastajanju ili je bilo izvesno da e nastupiti. U ovim
sluajevima Osigurava e vratiti ugovarau osiguranja sve uplaene premije osiguranja.
6) Sve prijave i izjave koje Osigurava ili ugovara osiguranja podnesu jedan drugome,
vae od trenutka kada ih primi onaj kome su namenjene. Svi dogovori po ovim Uslovima
vae samo ako su zakljueni u pisanoj formi. Ako se alju potom, kao dan prijema
smatra se dan kada je preporueno pismo predato poti.
ZAKLJUENJE UGOVORA O OSIGURANJU
Ponuda
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1) Ponuda predstavlja predlog za zakljuenje ugovora o osiguranju i sadri bitne elemente
tog ugovora, kao i pitanja o injenicama i okolnostima na osnovu kojih Osigurava
procenjuje rizik koji preuzima u osiguranje. Ponuda se daje u pisanom obliku na obrascu
Osiguravaa.
2) Ponuda uinjena Osiguravau za zakljuenje ugovora o osiguranju ivota vezuje
ponudioca, ako on nije odredio krai rok, za vreme od osam dana od dana kada je
Osigurava primio ponudu, a ako je potreban lekarski pregled - onda za vreme od trideset
dana.
Ako Osigurava u tom roku ne odbije ponudu koja ne odstupa od uslova osiguranja pod
kojim on vri predloeno osiguranje, smatra se da je prihvatio ponudu. Osigurava ima
pravo da u tom roku, nakon primanja ponude, radi utvrivanje injenica bitnih za
zakljuenje ugovora zatrai dodatne podatke, ukljuujui i lekarski pregled osiguranika.
3) Ako u periodu od podnoenja ponude do zakljuenja ugovora o osiguranju ivota doe
do promene zdravstvenog stanja osiguranika, ugovara osiguranja, odnosno osiguranik
duan je da odmah nakon saznanja o tome pismeno obavesti Osiguravaa.
4) Ponuda je sastavni deo ugovora o osiguranju i potrebno je da je obe strane potpiu.
5) Ako ugovara osiguranja i osiguranik nisu jedno isto lice, za punovanost ugovora
potreban je i potpis osiguranika na ponudi. Potpisom na ponudi za zakljuenje ugovora o
osiguranju ivota, ugovara osiguranja i osiguranik potvruju da su razumeli i da su
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OSIGURANI SLUAJ
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1) Osigurani sluaj je:
smrt osiguranika za vreme trajanja osiguranja;
doivljene isteka osiguranja;
nastanak teke bolesti, a prema stavu 2) ovog lana.
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4. Modani udar
Bilo koji cerebrovaskularni poremeaj koji za posledicu ima permanentne neuroloke
posledice, a koga karakterie infarkt modanog tkiva, izliv krvi i embolizacija iz
spoljanjeg izvora. Dijagnozu mora da potvrdi lekar specijalista, uz obavezno prilaganje
dokaza o tipinim klinikim simptomima, kao i o tipinim nalazima sa CCT skenera ili
Magnetne rezonance mozga. Obavezno je prilaganje dokaza o neurolokom poremeaju u
trajanju od najmanje 3 meseca.
U ovu kategoriju ne spadaju (iskljuenje osiguravajueg pokria):
- Prolazni ishemini napadi (TIA);
- Traumatske povrede mozga;
- Neuroloki simptomi uzrokovani migrenom;
- Lakunarni udari bez neurolokog poremeaja.
5. Hronino oboljenje bubrega
Krajnja faza renalne bolesti, koja poprima oblik hroninog i neizleivog otkazivanja oba
bubrega i njihove funkcije, to za posledicu ima jedan od dva ishoda: uvoenje redovne
renalne dijalize (hemodijaliza ili peritonealna dijaliza), odnosno izvoenje renalne
transplatacije. Dijagnozu mora da potvrdi lekar specijalista.
Pravo potraivanja osigurane sume ostvaruje se nakon poetka dijalize ili nakon
sprovedene transplatacije bubrega.
6. Transplatacija organa
Transplatacija organa je u celosti sprovedena kompletna transplatacija srca, plua, jetre,
pankreasa, malog creva, bubrega ili kotane sri.
Potreba za transplantacijom organa mora da bude potkrepljena odgovarajuom
medicinskom dokumentacijom od nadlenih lekara specijalista.
Obaveza osiguravaa da isplati naknadu iz osiguranja izvrava se nakon izvrene
transplantacije organa.
Kod transplantacije pankreasa iskljueno je pokrie ako se radi samo transplantacija
Langerhansovih otoka.
7. Multipla skleroza
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ZASTARELOST
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Potraivanja iz ugovora o osiguranju zastarevaju shodno odredbama Zakona o
obligacionim odnosima.
OPTE ODREDBE
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lan l.
(1) Opti uslovi za osiguranje ivota i ovi Posebni uslovi za dopunsko osiguranje od
posledica nesrenog sluaja (nezgode) uz osiguranje ivota (u daljem tekstu:
Posebni uslovi) sastavni su deo ugovora o osiguranju ivota sa dopunskim
osiguranjem od posledica nesrenog sluaja (nezgode), koji ugovara osiguranja
zakljui sa ivotnim osiguranjem Basler a.d.o. Beograd (u daljem tekstu:
Osigurava).
(2) Ovim Posebnim uslovima reguliu se odnosi izmeu ugovaraa osiguranja i
Osiguravaa po ugovorenim oblicima osiguranja za sluaj:
-
(3) Osiguravajue pokrie iz take (2) ovog lana ugovara se iskljuivo uz osiguranje
ivota istom polisom, izuzev. osiguranja ivota za sluaj smrti (riziko osiguranje)
uz koje se ne moe ugovoriti dopunko osiguranje od posledica nesrenog sluaja
(nezgode).
(4) Pojedini izrazi u ovim Posebnim uslovima imaju sledea znaenja:
- "Osigurava" - ivotno osiguranje BASLER a.d.o. Beograd, Resavska
29. koji se ugovorom o osiguranju obavezuje da izvri obaveze u skladu sa
zakljuenim ugovorom o osiguranju;
- "ponudilac" - lice koje eli da zakljui ugovor o osiguranju i u tu svrhu
podnosi pismenu ponudu Osiguravau;
- "ugovara osiguranja" - lice koje zakljuuje ugovor o osiguranju ivota sa
Osiguravaem;
- "osiguranik" - lice koje se osigurava;
- "korisnik osiguranja" - lice u iju se korist zakljuuje ugovor o osiguranju;
- "ponuda" - predlog za zakljuenje ugovora o osiguranju uinjen
Osiguravau;
- "polisa" - isprava o zakljuenom ugovoru o osiguranju koja sadri sve bitne
elemente ugovora o osiguranju.
SPOSOBNOST ZA OSIGURANJE
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(1) Po ovim Posebnim uslovima mogu se osigurati lica koja imaju ugovoreno
osiguranje ivota sa Osiguravaem, izuzev osiguranja ivota za sluaj smrti, kao
dopunsko osiguranje uz osiguranje ivota.
(2) Lica ija je opta radna sposobnost umanjena usled neke tee bolesti, teih
telesnih mana ili nedostataka, mogu se osigurati kao uveani rizici uz naplatu
poviene premije, u smislu odgovarajuih posebnih uslova.
(3) Lica potpuno liena poslovne sposobnosti ne mogu se osigurati po ovim
Posebnim uslovima.
POJAM NESRENOG SLUAJA
lan 3.
(1) Nesrenim sluajem u smislu ovih Posebnih uslova smatra se svaki iznenadni i
od volje osiguranika nezavisni dogaaj, koji delujui uglavnom spolja i naglo na
telo osiguranika, ima za posledicu njegovu smrt, potpuni ili delimini invaliditet,
prolaznu nesposobnost za rad koja zahteva bolniko leenje ili prelom kosti koji
nije prouzrokovao trajnu invalidnost osiguranika.
Pod invaliditetom se podrazumeva iskljuivo trajni (doivotni) gubitak opte
radne sposobnosti.
Prelom kosti prouzrokovan nesrenim sluajem podrazumeva potpuni ili
delimini prekid kontinuiteta kosti koji je nastao kao posledica delovanja
mehanike sile na kost (traumatski prelomi), pri kome intezitet mehanike sile
prelazi granicu fizioloke elastinosti kosti. Prema ovim Posebnim uslovima ne
pokriva se rizik preloma kosti na prstima.
U smislu stava (1), nesrenim sluajem smatraju se dogaaji koji nastanu usled:
1. gaenja;
2. sudara;
3. udara kakvim predmetom ili o kakav predmet;
4. udara elektrine energije ili groma;
5. pada, okliznua ili survavanja;
6. ranjavanja orujem, eksplozivnim sredstvima ili raznim drugim
predmetima;
7. uboda kakvim predmetom;
8. udara ili ujeda ivotinja ili uboda insekata (izuzev ako je takvim ubodom
prouzrokovana neka infektivna bolest);
9. trovanja hranom ili hemijskim sredstvima koje za posledicu ima smrt
osiguranika;
10. trovanja usled udisanja gasova ili otrovnih para (izuzev profesionalnih
oboljenja);
11. infekcija povrede prouzrokovane nezgodom;
30
31
32
33
34
lan 8.
(1) Nain i rokovi plaanja premije osiguranja, kao i posledice neplaanja premije
reguliu se u smislu Optih uslova za osiguranje ivota.
(2) Kod obnove osiguranja Osiguravau ne pripada premija za osiguranje po ovim
uslovima za vreme za koje ovo osiguranje nije bilo na snazi, poto u toku prekida
trajanja osiguranja ne postoji Obaveza osiguravaa po osnovu dopunskog
osiguranja od posledica nesrenog sluaja (nezgode).
PRIJAVA NESRENOG SLUAJA
lan 9.
(1) Osiguranik koji je usled nesrenog sluaja povreen duan je:
1. da se prema mogunostima odmah prijavi lekaru, odnosno da pozove
lekara radi pregleda i pruanja potrebne lekarske pomoi i da odmah
preduzme sve potrebne mere radi leenja, kao i da se pridrava lekarskih
saveta i uputa u pogledu naina leenja;
2. da o nesrenom sluaju pismeno obavesti Osiguravaa odmah kada mu to
prema njegovom zdravstvenom stanju bude mogue;
3. da uz prijavu o nesrenom sluaju prui Osiguravau sva potrebna
obavetenja i podatke o mestu i vremenu nastanka nesrenog sluaja,
potpuni opis dogaaja, ime lekara koji ga je pregledao ili koji ga lei,
nalaze lekara o vrsti telesnih povreda, o nastalim eventualnim
posledicama, kao i podatke o telesnim manama, nedostacima i bolestima,
koje je osiguranik eventualno imao jo pre nastanka nesrenog sluaja.
(2) Ako je nesreni sluaj imao za posledicu smrt osiguranika, korisnik osiguranja je
duan da o tome odmah pismeno obavesti Osiguravaa i da pribavi potrebnu
dokumentaciju.
(3) Trokovi za lekarski pregled i potrebnu medicinsku dokumentaciju, ponovni
lekarski pregled i nalaz specijaliste, kao i ostali trokovi uinjeni u cilju
dokazivanja nesrenog sluaja i prava iz ugovora o osiguranju, padaju na teret
podnosioca zahteva.
(4) Osigurava ima pravo da od ugovaraa osiguranja, osiguranika, korisnika
osiguranja ili bilo kojeg drugog pravnog ili fizikog lica trai naknadna
objanjenja, kao i da o svom troku uputi osiguranika na lekarski pregled kod
lekara ili lekarskih komisija i odgovarajuih zdravstvenih ustanova, kako bi se
utvrdile okolnosti od znaaja za osnov i visinu obaveze iz nastalog nesrenog
sluaja.
35
36
37
38
39
lan 14.
(1) Potraivanja iz ugovora o dopunskom osiguranju od posledica nesrenog sluaja
(nezgode) uz osiguranje ivota zastarevaju prema odredbama Zakona o
obligacionim odnosima.
ZAVRNE ODREDBE
lan 15.
(1) Sastavni deo ovih Posebnih uslova je Tabela za odreivanje procenta trajnog
gubitka opte radne sposobnosti (invaliditeta) osiguranika kao posledice
nesrenog sluaja (nezgode).
(2) Za odnose izmeu Osiguravaa i ugovaraa osiguranja koja nisu regulisana ovim
Posebnim uslovima, primenjivae se odredbe Optih uslova za osiguranje ivota,
ukoliko nisu u suprotnosti sa ovim Posebnim uslovima, kao i odredbe Zakona o
obligacionim odnosima.
POSEBNI USLOVI ZA OSIGURANJE KAPITALA ZA PUNOLETSTVO DETETA
PD 18 I 19
OPTE ODREDBE
SPOSOBNOST ZA OSIGURANJE
lan 4.
1) Osiguranik - Po ovim Dopunskim uslovima mogu biti osigurana deca za sluaj
doivljenja, bez obzira na zdravstveno stanje, od roenja do 10-te godine starosti.
2) Ugovara osiguranja - Kapital osiguranje moe ugovoriti samo zdravo lice od 20 do 57
godina starosti.
OSIGURANI SLUAJ
lan 5.
40
PLAANJE PREMIJE
lan 8.
1) Ugovara osiguranja plaa premiju osiguranja unapred u ugovorenim rokovima za sve
vreme trajanja osiguranja.
41
2) Premija se moe plaati u godinjim ili u ispodgodinjim ratama, ve prema tome kako
je ugovoreno.
3) U sluaju smrti ugovaraa osiguranja, Kapital osiguranje ostaje na snazi i ako premija
nije plaena za sve vreme trajanja osiguranja, s tim da sva dospela premija do smrti
ugovaraa osiguranja mora biti plaena. Osigurava e i u ovom isluaju nakon isteka
osiguranja isplatiti osiguranom detetu ugovorenu osiguranu sumu.
OBAVEZE OSIGURAVAA
lan 9.
Ugovorom o osiguranju Osigurava se obavezuje da:
-
1) Za odnose izmeu ugovornih strana i ostalih lica kojih se tie, a koji nisu regulisani
ovim Posebnim uslovima, primenjivae se odredbe Optih uslova za osiguranje ivota,
ukoliko nisu u suprotnosti sa ovim Posebnim uslovima, kao i odredbe Zakona o
obligacionim odnosima.
2) Za sve sporove nadlean je sud u Beogradu.
42
TARIFA PREMIJA
OSIGURANJA IVOTA
43
44
TaRIFA I
TARIFA PREMIJA MEOVITOG OSIGURANJA IVOTA
OSIGURANJE ZA SLUAJ SMRTI OSIGURANIKA U TOKU UGOVORENOG
TRAJANJA OSIGURANJA I ZA DOIVLJENJE ISTEKA UGOVORENOG
TRAJANJA OSIGURANJA
TARIFNA GRUPA G +
Meovito osiguranje za sluaj smrti osiguranika u toku ugovorenog trajanja
osiguranja i za doivljenje isteka osiguranja, za jedno lice, ako je ugovorena
osigurana suma za sluaj smrti jednaka ugovorenoj osiguranoj sumi za doivljenje
isteka osiguranja i ako je ugovoreno plaanje premije osiguranja u godinjim i
ispodgodinjim ratama
Osnovne odredbe
1. Premija osiguranja se plaa do isteka ugovorenog trajanja osiguranja, ako osiguranik
doivi istek, a ukoliko osiguranik umre pre isteka ugovorenog trajanja osiguranja plaa se
premija za tu godinu u kojoj je nastupila smrt osiguranika.
2. Ako osiguranik doivi ugovoreni istek osiguranja, osiguraniku, odnosno korisniku
osiguranja za doivljenje (navedenom u polisi) isplauje se ugovorena osigurana suma za
doivljenje isteka i dobit ostvarena u toku ugovorenog trajanja osiguranja.
3. U sluaju smrti osiguranika u toku ugovorenog trajanja osiguranja, korisniku
osiguranja isplauje se:
(1) Ako je osiguranje zakljueno bez lekarskog pregleda, a osiguranik umre zbog
bolesti u prvih est meseci od poetka osiguranja, korisniku osiguranja se isplauje 50%
od ugovorene osigurane sume, a ukoliko osiguranik umre po isteku est meseci od
poetka osiguranja, korisniku se isplauje ugovorena osigurana suma i dobit ostvarena do
smrti osiguranika.
(2) Ako je osiguranje zakljueno sa lekarskim pregledom, korisniku se isplauje
ugovorena osigurana suma i dobit ostvarena do smrti osiguranika, bez obzira na proteklo
vreme od poetka osiguranja do smrti osiguranika.
4. Premija osiguranja i osigurane sume mogu se ugovarati i plaati u devizama, ili
ugovarati u stranoj valuti i plaati u dinarskoj protivvrednosti po srednjem kursu Narodne
banke Srbije na dan plaanja.
45
15 godina
65 godina
70 godina
Trajanje osiguranja:
5 godina
25 godina
2.000 EUR
200.000 EUR
- u skladu sa tabelom za
prihvat u osiguranje
46
U tabelama Tarife date su osigurane sume za jedinicu godinje premije osiguranja, koju
emo obeleiti sa S x, , n koje zavise od pola, pristupne starosti i trajanja osiguranja.
Osigurana suma i godinja premija izraunavaju se na sledei nain:
Osigurana suma = eljena premija x
S x, ,n
Uee u dobiti
Osiguranik, odnosno korisnik osiguranja ima pravo na uee u dobiti u skladu sa
uslovima osiguranja.
Uslovi za preuzimanje u osiguranje
Sposobnost za zakljuivanje osiguranja utvruje se u skladu sa Optim uslovima za
osiguranje ivota i Posebnim uslovima za osiguranje uveanih rizika kod osiguranja
ivota.
Kod odreivanja uslova za preuzimanje u osiguranje treba imati u vidu sledee:
Ako osiguranik ima vie polisa osiguranja ivota (riziko osiguranje, meovito
osiguranje), osigurane sume se sabiraju i sa stanovita preuzimanja u osiguranje
tretiraju kao jedna (zbirna) osigurana suma.
Pristupna starost
do 45 godina i osigurana
46-55 godina i
56-65 godina i
suma (EUR)
osigurana suma (EUR) osigurana suma (EUR)
do 30.000
do 15.000
do 10.000
30.001-50.000
15.001-37.500
10.001-25.000
50.001-75.000
37.501-50.000
25.001-37.500
75.001-100.000
50.001-75.000
37.501-50.000
preko 100.000
preko 75.000
preko 50.000
Vrsta pregleda
obrazac ponude
A
A+B*)
A+B+D*)
A+C+D+E*)
47
48
Tarifna grupa G+
Tablice mortaliteta RS 2002. - ENE Osigurana suma za jedinicu godinje premije osiguranja, ako je ugovoreno trajanje osiguranja godina
Pristupna
starost
osigur
10
11
12
13
14
15
16
17
18
19
20
21
22
23
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
4,9063
4,9059
4,9058
4,9057
4,9057
4,9056
4,9055
4,9052
4,9051
4,9050
4,9047
4,9045
4,9041
4,9037
4,9029
4,9023
4,9020
4,9013
4,9005
4,8995
4,8985
4,8975
4,8964
4,8949
4,8932
4,8913
4,8890
5,9518
5,9514
5,9512
5,9510
5,9510
5,9508
5,9506
5,9502
5,9500
5,9498
5,9494
5,9489
5,9483
5,9476
5,9465
5,9455
5,9449
5,9438
5,9426
5,9410
5,9394
5,9377
5,9359
5,9334
5,9307
5,9275
5,9237
7,0193
7,0187
7,0185
7,0182
7,0182
7,0178
7,0175
7,0171
7,0168
7,0164
7,0156
7,0149
7,0140
7,0130
7,0113
7,0099
7,0089
7,0072
7,0054
7,0030
7,0007
6,9981
6,9952
6,9915
6,9873
6,9824
6,9767
8,1090
8,1082
8,1079
8,1075
8,1074
8,1069
8,1065
8,1059
8,1054
8,1047
8,1036
8,1025
8,1013
8,0998
8,0975
8,0955
8,0940
8,0916
8,0889
8,0856
8,0822
8,0784
8,0742
8,0688
8,0626
8,0556
8,0476
9,2209
9,2200
9,2195
9,2191
9,2188
9,2182
9,2176
9,2167
9,2159
9,2149
9,2134
9,2120
9,2102
9,2081
9,2051
9,2024
9,2001
9,1968
9,1931
9,1885
9,1837
9,1784
9,1724
9,1648
9,1563
9,1467
9,1356
10,3554
10,3542
10,3536
10,3530
10,3526
10,3518
10,3510
10,3497
10,3486
10,3472
10,3452
10,3432
10,3408
10,3379
10,3340
10,3304
10,3272
10,3228
10,3177
10,3116
10,3051
10,2978
10,2895
10,2793
10,2678
10,2549
10,2403
11,5125
11,5111
11,5103
11,5095
11,5089
11,5078
11,5066
11,5049
11,5034
11,5015
11,4989
11,4962
11,4930
11,4893
11,4843
11,4795
11,4752
11,4693
11,4626
11,4545
11,4459
11,4360
11,4250
11,4115
11,3965
11,3797
11,3610
12,6923
12,6906
12,6896
12,6886
12,6878
12,6863
12,6847
12,6825
12,6804
12,6779
12,6745
12,6710
12,6669
12,6621
12,6557
12,6496
12,6439
12,6361
12,6274
12,6169
12,6055
12,5927
12,5783
12,5609
12,5418
12,5205
12,4971
13,8951
13,8930
13,8918
13,8904
13,8892
13,8873
13,8852
13,8824
13,8797
13,8764
13,8721
13,8675
13,8623
13,8561
13,8482
13,8404
13,8329
13,8230
13,8117
13,7982
13,7836
13,7672
13,7487
13,7269
13,7029
13,6766
13,6475
15,1207
15,1183
15,1168
15,1149
15,1133
15,1108
15,1082
15,1046
15,1011
15,0969
15,0914
15,0857
15,0791
15,0714
15,0615
15,0516
15,0419
15,0293
15,0150
14,9980
14,9795
14,9587
14,9355
14,9086
14,8791
14,8469
14,8114
16,3695
16,3666
16,3645
16,3622
16,3601
16,3569
16,3535
16,3491
16,3445
16,3392
16,3325
16,3253
16,3170
16,3074
16,2952
16,2829
16,2705
16,2546
16,2366
16,2154
16,1923
16,1666
16,1381
16,1054
16,0696
16,0305
15,9876
17,6413
17,6377
17,6351
17,6322
17,6295
17,6255
17,6212
17,6157
17,6100
17,6034
17,5951
17,5862
17,5759
17,5640
17,5491
17,5338
17,5181
17,4983
17,4760
17,4499
17,4215
17,3902
17,3556
17,3162
17,2731
17,2261
17,1748
18,9360
18,9317
18,9285
18,9249
18,9214
18,9165
18,9111
18,9043
18,8973
18,8891
18,8790
18,8680
18,8553
18,8406
18,8224
18,8035
18,7839
18,7596
18,7322
18,7005
18,6662
18,6285
18,5871
18,5399
18,4885
18,4327
18,3719
20,2537
20,2486
20,2447
20,2403
20,2358
20,2297
20,2231
20,2148
20,2062
20,1961
20,1838
20,1703
20,1548
20,1368
20,1146
20,0915
20,0674
20,0378
20,0046
19,9666
19,9256
19,8806
19,8312
19,7752
19,7146
19,6488
19,5771
21,5943
21,5883
21,5835
21,5780
21,5725
21,5651
21,5569
21,5469
21,5363
21,5241
21,5090
21,4926
21,4737
21,4518
21,4251
21,3970
21,3675
21,3319
21,2923
21,2471
21,1985
21,1452
21,0868
21,0211
20,9499
20,8728
20,7889
22,9577
22,9506
22,9447
22,9380
22,9312
22,9222
22,9123
22,9002
22,8874
22,8724
22,8544
22,8344
22,8114
22,7849
22,7529
22,7191
22,6836
22,6412
22,5943
22,5411
22,4838
22,4210
22,3526
22,2759
22,1929
22,1030
22,0049
24,3437
24,3354
24,3282
24,3201
24,3118
24,3009
24,2890
24,2744
24,2588
24,2408
24,2190
24,1949
24,1672
24,1354
24,0972
24,0570
24,0147
23,9647
23,9095
23,8472
23,7801
23,7068
23,6272
23,5381
23,4417
23,3371
23,2228
25,7522
25,7423
25,7337
25,7240
25,7138
25,7008
25,6864
25,6689
25,6502
25,6284
25,6022
25,5733
25,5401
25,5022
25,4572
25,4096
25,3597
25,3012
25,2367
25,1640
25,0860
25,0011
24,9087
24,8058
24,6941
24,5726
24,4403
27,1828
27,1713
27,1609
27,1492
27,1369
27,1214
27,1041
27,0832
27,0607
27,0345
27,0033
26,9687
26,9292
26,8844
26,8317
26,7761
26,7176
26,6494
26,5743
26,4903
26,4002
26,3021
26,1955
26,0766
25,9475
25,8075
25,6554
42
4,8863
5,9194
6,9704
8,0386
9,1234
10,2244
11,3408
12,4717
13,6162
14,7732
15,9414
17,1198
18,3066
19,5002
20,6985
21,8989
23,0996
24,2981
25,4918
49
Tarifna grupa G+
Tablice mortaliteta RS 2002. - ENE Osigurana suma za jedinicu godinje premije osiguranja, ako je ugovoreno trajanje osiguranja godina
Pristupna
starost
osiguranika
10
11
12
13
14
15
16
17
18
19
20
21
22
23
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
4,8834
4,8798
4,8762
4,8728
4,8689
4,8652
4,8616
4,8576
4,8532
4,8480
4,8426
4,8369
4,8309
4,8235
4,8143
4,8044
4,7928
4,7815
4,7706
4,7572
4,7408
4,7223
4,6999
5,9149
5,9093
5,9037
5,8983
5,8925
5,8866
5,8808
5,8744
5,8673
5,8593
5,8507
5,8417
5,8315
5,8193
5,8049
5,7896
5,7716
5,7540
5,7360
5,7141
5,6876
5,6579
6,9636
6,9555
6,9474
6,9397
6,9312
6,9226
6,9139
6,9043
6,8940
6,8821
6,8694
6,8556
6,8399
6,8217
6,8007
6,7783
6,7523
6,7260
6,6985
6,6652
6,6258
8,0290
8,0179
8,0069
7,9961
7,9843
7,9722
7,9599
7,9465
7,9318
7,9151
7,8968
7,8767
7,8543
7,8288
7,7995
7,7681
7,7319
7,6944
7,6544
7,6068
9,1106
9,0960
9,0813
9,0668
9,0508
9,0345
9,0179
8,9995
8,9794
8,9565
8,9310
8,9035
8,8730
8,8383
8,7988
8,7562
8,7070
8,6554
8,6000
10,2077
10,1888
10,1697
10,1506
10,1298
10,1084
10,0863
10,0620
10,0351
10,0042
9,9703
9,9338
9,8934
9,8477
9,7956
9,7392
9,6741
9,6053
11,3195
11,2955
11,2712
11,2467
11,2201
11,1925
11,1639
11,1321
11,0966
11,0566
11,0128
10,9654
10,9131
10,8540
10,7868
10,7133
10,6293
12,4450
12,4151
12,3846
12,3538
12,3203
12,2855
12,2487
12,2076
12,1623
12,1116
12,0559
11,9958
11,9292
11,8539
11,7684
11,6749
13,5831
13,5463
13,5088
13,4706
13,4290
13,3852
13,3386
13,2869
13,2302
13,1667
13,0973
13,0218
12,9382
12,8436
12,7367
14,7328
14,6882
14,6424
14,5955
14,5442
14,4896
14,4317
14,3678
14,2977
14,2195
14,1337
14,0402
13,9363
13,8194
15,8928
15,8391
15,7838
15,7265
15,6635
15,5968
15,5260
15,4479
15,3623
15,2667
15,1618
15,0471
14,9198
17,0615
16,9975
16,9308
16,8612
16,7852
16,7046
16,6188
16,5245
16,4208
16,3051
16,1778
16,0387
18,2375
18,1612
18,0813
17,9979
17,9071
17,8106
17,7077
17,5944
17,4698
17,3307
17,1778
19,4184
19,3279
19,2332
19,1343
19,0266
18,9120
18,7893
18,6542
18,5053
18,3396
20,6018
20,4956
20,3844
20,2678
20,1410
20,0055
19,8603
19,6999
19,5236
21,7859
21,6621
21,5321
21,3957
21,2470
21,0878
20,9165
20,7278
22,9684
22,8247
22,6737
22,5146
22,3411
22,1548
21,9542
24,1465
23,9807
23,8058
23,6211
23,4193
23,2026
25,3174
25,1266
24,9249
24,7110
24,4777
50
Tarifna grupa G+
Tablice mortaliteta RS 2002. - MUKARCI Osigurana suma za jedinicu godinje premije osiguranja, ako je ugovoreno trajanje osiguranja godina
Pristupna
starost
osiguranika
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
15
4,9042 5,9480 7,0129 8,0992 9,2068 10,3358 11,4862 12,6580 13,8513 15,0660 16,3022 17,5596 18,8382 20,1380 21,4588 22,8003 24,1622 25,5442 26,9457 28,3662 29,8050
16
4,9027 5,9458 7,0100 8,0954 9,2020 10,3298 11,4789 12,6494 13,8412 15,0544 16,2888 17,5443 18,8210 20,1187 21,4371 22,7760 24,1349 25,5135 26,9112 28,3274 29,7615
17
4,9010 5,9435 7,0069 8,0914 9,1970 10,3237 11,4717 12,6409 13,8314 15,0430 16,2757 17,5295 18,8043 20,0999 21,4159 22,7521 24,1080 25,4831 26,8769 28,2887 29,7176
18
4,8999 5,9418 7,0047 8,0885 9,1933 10,3193 11,4664 12,6346 13,8240 15,0344 16,2659 17,5184 18,7916 20,0853 21,3993 22,7331 24,0862 25,4581 26,8482 28,2556 29,6795
19
4,8995 5,9412 7,0037 8,0871 9,1915 10,3170 11,4636 12,6311 13,8198 15,0295 16,2601 17,5116 18,7836 20,0759 21,3881 22,7198 24,0704 25,4394 26,8259 28,2292 29,6483
20
4,8991 5,9405 7,0027 8,0857 9,1897 10,3148 11,4607 12,6277 13,8157 15,0247 16,2544 17,5048 18,7755 20,0661 21,3764 22,7057 24,0536 25,4192 26,8017 28,2004 29,6140
21
4,8986 5,9397 7,0016 8,0843 9,1879 10,3124 11,4578 12,6242 13,8116 15,0197 16,2484 17,4975 18,7667 20,0555 21,3636 22,6903 24,0349 25,3967 26,7748 28,1681 29,5752
22
4,8978 5,9386 7,0001 8,0825 9,1856 10,3095 11,4544 12,6202 13,8067 15,0138 16,2413 17,4889 18,7563 20,0429 21,3484 22,6719 24,0127 25,3701 26,7430 28,1298 29,5290
23
4,8973 5,9380 6,9993 8,0813 9,1841 10,3076 11,4521 12,6172 13,8030 15,0092 16,2355 17,4816 18,7470 20,0314 21,3340 22,6541 23,9910 25,3436 26,7104 28,0898 29,4803
24
4,8969 5,9374 6,9984 8,0801 9,1825 10,3058 11,4496 12,6141 13,7990 15,0041 16,2289 17,4732 18,7366 20,0183 21,3176 22,6338 23,9660 25,3128 26,6723 28,0434 29,4244
25
4,8967 5,9370 6,9979 8,0794 9,1816 10,3044 11,4478 12,6116 13,7955 14,9993 16,2226 17,4651 18,7259 20,0046 21,3003 22,6122 23,9389 25,2787 26,6303 27,9922 29,3627
26
4,8966 5,9368 6,9975 8,0789 9,1808 10,3032 11,4459 12,6089 13,7916 14,9940 16,2155 17,4556 18,7136 19,9888 21,2804 22,5870 23,9069 25,2390 26,5816 27,9333 29,2919
27
4,8963 5,9364 6,9969 8,0780 9,1794 10,3012 11,4431 12,6049 13,7862 14,9868 16,2060 17,4432 18,6978 19,9689 21,2552 22,5551 23,8674 25,1906 26,5232 27,8630 29,2079
28
4,8959 5,9357 6,9960 8,0765 9,1774 10,2983 11,4390 12,5994 13,7790 14,9772 16,1936 17,4274 18,6779 19,9438 21,2235 22,5158 23,8193 25,1325 26,4533 27,7796 29,1092
29
4,8954 5,9350 6,9948 8,0748 9,1748 10,2947 11,4341 12,5927 13,7701 14,9656 16,1788 17,4086 18,6540 19,9135 21,1858 22,4696 23,7633 25,0650 26,3725 27,6838 28,9963
30
4,8953 5,9346 6,9940 8,0734 9,1726 10,2913 11,4292 12,5859 13,7608 14,9534 16,1629 17,3880 18,6274 19,8798 21,1440 22,4184 23,7011 24,9900 26,2831 27,5777 28,8716
31
4,8949 5,9338 6,9926 8,0711 9,1691 10,2864 11,4224 12,5766 13,7486 14,9376 16,1423 17,3615 18,5939 19,8383 21,0932 22,3567 23,6268 24,9014 26,1780 27,4543 28,7273
32
4,8940 5,9323 6,9902 8,0676 9,1642 10,2795 11,4131 12,5645 13,7329 14,9172 16,1161 17,3283 18,5528 19,7881 21,0322 22,2832 23,5391 24,7974 26,0558 27,3115 28,5618
33
4,8928 5,9303 6,9872 8,0632 9,1579 10,2710 11,4018 12,5497 13,7136 14,8922 16,0843 17,2889 18,5045 19,7292 20,9611 22,1982 23,4381 24,6786 25,9168 27,1501 28,3756
34
4,8914 5,9280 6,9837 8,0581 9,1508 10,2613 11,3889 12,5326 13,6911 14,8633 16,0481 17,2442 18,4496 19,6625 20,8810 22,1027 23,3253 24,5461 25,7625 26,9716 28,1703
35
4,8897 5,9253 6,9795 8,0520 9,1423 10,2498 11,3734 12,5120 13,6644 14,8296 16,0062 17,1925 18,3865 19,5864 20,7899 21,9947 23,1981 24,3977 25,5904 26,7732 27,9434
36
4,8877 5,9220 6,9746 8,0449 9,1325 10,2363 11,3552 12,4880 13,6337 14,7911 15,9584 17,1337 18,3152 19,5006 20,6877 21,8739 23,0567 24,2332 25,4003 26,5554 27,6959
37
4,8855 5,9184 6,9692 8,0371 9,1214 10,2208 11,3342 12,4608 13,5992 14,7478 15,9046 17,0680 18,2356 19,4053 20,5746 21,7409 22,9013 24,0530 25,1931 26,3193 27,4293
38
4,8830 5,9144 6,9630 8,0280 9,1081 10,2026 11,3102 12,4299 13,5600 14,6986 15,8441 16,9942 18,1467 19,2992 20,4492 21,5938 22,7302 23,8556 24,9676 26,0641 27,1421
39
4,8800 5,9096 6,9555 8,0167 9,0923 10,1813 11,2825 12,3943 13,5150 14,6427 15,7755 16,9111 18,0470 19,1809 20,3099 21,4312 22,5420 23,6401 24,7231 25,7884 26,8325
40
4,8764 5,9035 6,9461 8,0031 9,0737 10,1567 11,2505 12,3534 13,4637 14,5793 15,6982 16,8178 17,9358 19,0494 20,1558 21,2523 22,3366 23,4064 24,4590 25,4912 26,5003
41
4,8725 5,8969 6,9358 7,9885 9,0537 10,1300 11,2156 12,3090 13,4081 14,5107 15,6145 16,7172 17,8160 18,9081 19,9908 21,0619 22,1191 23,1596 24,1804 25,1786 26,1511
Tarifna grupa G+
51
Tablice mortaliteta RS 2002. - MUKARCI Osigurana suma za jedinicu godinje premije osiguranja, ako je ugovoreno trajanje osiguranja godina
Pristupna
starost
osiguranika
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
42
4,8676 5,8888 6,9238 7,9716 9,0307 10,0995 11,1762 12,2590 13,3458 14,4342 15,5219 16,6061 17,6842 18,7535 19,8117 20,8566 21,8854 22,8950 23,8828 24,8454 25,7794
43
4,8613 5,8790 6,9097 7,9519 9,0041 10,0646 11,1314 12,2026 13,2758 14,3488 15,4189 16,4833 17,5395 18,5851 19,6180 20,6354 21,6342 22,6118 23,5648 24,4898 25,3841
44
4,8539 5,8679 6,8936 7,9296 8,9742 10,0255 11,0816 12,1401 13,1989 14,2552 15,3065 16,3499 17,3835 18,4048 19,4113 20,3998 21,3677 22,3116 23,2281 24,1145 24,9677
45
9,9859
11,0307 12,0762 13,1199 14,1589 15,1908 16,2133 17,2242 18,2209 19,2002 20,1594 21,0953 22,0044 22,8841 23,7310 24,5425
46
9,9453
10,9785 12,0103 13,0380 14,0593 15,0717 16,0732 17,0611 18,0322 18,9838 19,9127 20,8155 21,6894 22,5311 23,3379
47
9,9010
10,9216 11,9386 12,9498 13,9528 14,9454 15,9250 16,8885 17,8332 18,7557 19,6527 20,5214 21,3586 22,1613
48
9,8510
10,8577 11,8590 12,8529 13,8370 14,8088 15,7650 16,7031 17,6197 18,5113 19,3752 20,2081 21,0072
49
9,7962
10,7883 11,7736 12,7498 13,7143 14,6639 15,5961 16,5073 17,3942 18,2540 19,0833 19,8793
50
9,7392
10,7169 11,6861 12,6443 13,5883 14,5154 15,4224 16,3056 17,1622 17,9890 18,7830
51
9,6798
52
9,6169
53
9,5534
54
9,4871
55
9,4201
56
9,3495
57
9,2777
58
9,2042
10,0444 10,8561
59
9,1255
9,9440
60
9,0360
61
62
63
64
4,5835 5,4457
65
4,5555
52
TARIFNA GRUPA G 10 +
G r u p n o (kolektivno) meovito osiguranje za sluaj smrti nekog od osiguranih
lanova grupe (kolektiva) u toku ugovorenog trajanja osiguranja i za doivljenje
isteka osiguranja lanova grupe (kolektiva), uz izdavanje i n d i v i d u a l n e polise
svakom osiguranom lanu grupe (kolektiva), ako je ugovorena osigurana suma za
sluaj smrti jednaka ugovorenoj osiguranoj sumi za doivljenje isteka osiguranja i
ako je ugovoreno plaanje premije osiguranja u jednakim godinjim i
ispodgodinjim ratama
Osnovne odredbe
1. Po ovoj tarifi mogu se osigurati najmanje 10 lica-lanova grupe (kolektiva).
2. Premija osiguranja se plaa za svakog osiguranog lana grupe (kolektiva) do isteka
ugovorenog trajanja osiguranja, a ukoliko neki od osiguranih lanova grupe (kolektiva)
umre u toku ugovorenog trajanja osiguranja, poslednji put za godinu u kojoj je nastupila
smrt.
3. Po isteku ugovorenog trajanja osiguranja, svakom osiguranom lanu grupe
(kolektiva) koji doivi istek osiguranja (ili korisniku odreenom u polisi) isplauje se
ugovorena osigurana suma za doivljenje isteka osiguranja i dobit ostvarena u toku
trajanja osiguranja.
4. U sluaju smrti nekog od osiguranih lanova grupe (kolektiva), korisniku osiguranja
se isplauje:
(1) Ako je osiguranje zakljueno sa vie od 30 lanova grupe (kolektiva), korisniku
osiguranja se isplauje ugovorena osigurana suma za sluaj smrti i dobit ostvarena do
smrti osiguranog lana, bez obzira na proteklo vreme od poetka osiguranja do smrti
osiguranog lana;
(2) Ako je osiguranje zakljueno sa 30 i manje od 30 lanova grupe (kolektiva) bez
lekarskog pregleda, korisniku osiguranja se isplauje:
(a) ako je osigurani lan umro zbog bolesti u prvih est meseci od poetka
osiguranja, korisniku se isplauje 50% od ugovorene osigurane sume za sluaj smrti;
(b) ako je osigurani lan umro po isteku est meseci od poetka osiguranja,
korisniku se isplauje ugovorena osigurana suma za sluaj smrti i dobit ostvarena do
smrti osiguranog lana.
53
15 godina
65 godina
70 godina
Trajanje osiguranja:
5 godina
25 godina
2.000 EUR
200.000 EUR
- u skladu sa tabelom za
prihvat u osiguranje
54
S x, ,n
Uee u dobiti
Osiguranik, odnosno korisnik osiguranja ima pravo na uee u dobiti u skladu sa
uslovima osiguranja.
Uslovi za preuzimanje u osiguranje
Sposobnost za zakljuivanje osiguranja utvruje se u skladu sa Optim uslovima za
osiguranje ivota i Posebnim uslovima za osiguranje uveanih rizika kod osiguranja
ivota.
55
Pristupna starost
do 45 godina i osigurana
46-55 godina i
56-65 godina i
suma (EUR)
osigurana suma (EUR) osigurana suma (EUR)
do 30.000
do 15.000
do 10.000
30.001-50.000
15.001-37.500
10.001-25.000
50.001-75.000
37.501-50.000
25.001-37.500
75.001-100.000
50.001-75.000
37.501-50.000
preko 100.000
preko 75.000
preko 50.000
Vrsta pregleda
obrazac ponude
A
A+B*)
A+B+D*)
A+C+D+E*)
56
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
15
5,0190 6,0912 7,1867 8,3058 9,4486 10,6154 11,8063 13,0214 14,2610 15,5251 16,8139 18,1274 19,4655 20,8285 22,2162 23,6286 25,0654 26,5266 28,0117 29,5206 31,0527
16
5,0181 6,0898 7,1849 8,3034 9,4456 10,6117 11,8018 13,0160 14,2546 15,5177 16,8054 18,1175 19,4543 20,8157 22,2017 23,6120 25,0467 26,5052 27,9875 29,4930 31,0214
17
5,0173 6,0887 7,1833 8,3014 9,4431 10,6085 11,7979 13,0114 14,2492 15,5114 16,7979 18,1089 19,4444 20,8044 22,1887 23,5971 25,0295 26,4856 27,9649 29,4671 30,9916
18
5,0166 6,0877 7,1820 8,2997 9,4409 10,6058 11,7946 13,0076 14,2446 15,5059 16,7915 18,1015 19,4358 20,7943 22,1769 23,5834 25,0136 26,4671 27,9434 29,4421 30,9625
19
5,0164 6,0874 7,1815 8,2989 9,4398 10,6044 11,7929 13,0053 14,2418 15,5025 16,7874 18,0965 19,4298 20,7870 22,1681 23,5729 25,0009 26,4519 27,9253 29,4204 30,9366
20
5,0160 6,0868 7,1806 8,2977 9,4383 10,6025 11,7905 13,0024 14,2383 15,4982 16,7822 18,0903 19,4223 20,7781 22,1574 23,5601 24,9857 26,4337 27,9035 29,3944 30,9058
21
5,0157 6,0863 7,1799 8,2968 9,4371 10,6009 11,7885 12,9998 14,2351 15,4943 16,7774 18,0844 19,4150 20,7692 22,1466 23,5470 24,9698 26,4145 27,8804 29,3668 30,8725
22
5,0152 6,0856 7,1790 8,2956 9,4355 10,5989 11,7859 12,9967 14,2312 15,4896 16,7716 18,0772 19,4063 20,7586 22,1338 23,5314 24,9510 26,3918 27,8532 29,3341 30,8331
23
5,0149 6,0851 7,1783 8,2947 9,4342 10,5972 11,7838 12,9940 14,2278 15,4852 16,7661 18,0703 19,3977 20,7480 22,1207 23,5153 24,9312 26,3679 27,8241 29,2985 30,7902
24
5,0146 6,0848 7,1778 8,2938 9,4331 10,5957 11,7818 12,9913 14,2243 15,4806 16,7603 18,0629 19,3885 20,7364 22,1062 23,4974 24,9094 26,3410 27,7910 29,2585 30,7421
25
5,0143 6,0843 7,1770 8,2928 9,4317 10,5938 11,7793 12,9881 14,2200 15,4752 16,7533 18,0541 19,3774 20,7225 22,0890 23,4764 24,8834 26,3090 27,7522 29,2116 30,6861
26
5,0142 6,0839 7,1765 8,2919 9,4305 10,5921 11,7769 12,9848 14,2157 15,4694 16,7459 18,0446 19,3653 20,7073 22,0701 23,4528 24,8541 26,2730 27,7085 29,1592 30,6233
27
5,0139 6,0834 7,1757 8,2908 9,4289 10,5899 11,7738 12,9806 14,2102 15,4624 16,7368 18,0330 19,3506 20,6890 22,0473 23,4243 24,8191 26,2306 27,6574 29,0979 30,5506
28
5,0135 6,0828 7,1748 8,2895 9,4270 10,5872 11,7701 12,9757 14,2037 15,4539 16,7259 18,0192 19,3333 20,6672 22,0200 23,3907 24,7782 26,1812 27,5982 29,0275 30,4675
29
5,0129 6,0819 7,1734 8,2875 9,4242 10,5834 11,7651 12,9691 14,1952 15,4430 16,7120 18,0019 19,3116 20,6402 21,9867 23,3502 24,7293 26,1225 27,5283 28,9451 30,3709
30
5,0124 6,0811 7,1722 8,2856 9,4214 10,5795 11,7599 12,9622 14,1861 15,4312 16,6970 17,9827 19,2874 20,6100 21,9497 23,3051 24,6749 26,0574 27,4512 28,8543 30,2646
31
5,0120 6,0804 7,1709 8,2836 9,4185 10,5754 11,7542 12,9545 14,1759 15,4180 16,6800 17,9608 19,2598 20,5759 21,9079 23,2543 24,6138 25,9847 27,3652 28,7533 30,1467
32
5,0113 6,0791 7,1689 8,2807 9,4144 10,5698 11,7466 12,9445 14,1629 15,4012 16,6585 17,9338 19,2263 20,5348 21,8580 23,1943 24,5423 25,9001 27,2658 28,6372 30,0122
33
5,0103 6,0775 7,1665 8,2772 9,4094 10,5630 11,7374 12,9325 14,1473 15,3810 16,6329 17,9020 19,1872 20,4871 21,8004 23,1255 24,4608 25,8041 27,1536 28,5069 29,8618
34
5,0090 6,0755 7,1635 8,2729 9,4034 10,5548 11,7266 12,9182 14,1286 15,3573 16,6031 17,8652 19,1420 20,4324 21,7349 23,0476 24,3688 25,6963 27,0281 28,3618 29,6949
35
5,0077 6,0733 7,1601 8,2680 9,3966 10,5455 11,7142 12,9017 14,1073 15,3302 16,5694 17,8235 19,0913 20,3713 21,6618 22,9610 24,2668 25,5773 26,8901 28,2026 29,5126
36
5,0062 6,0709 7,1564 8,2625 9,3889 10,5350 11,6998 12,8828 14,0831 15,2997 16,5314 17,7768 19,0347 20,3032 21,5807 22,8652 24,1546 25,4467 26,7389 28,0290 29,3142
37
5,0046 6,0681 7,1522 8,2564 9,3801 10,5227 11,6833 12,8614 14,0557 15,2652 16,4886 17,7246 18,9716 20,2277 21,4910 22,7596 24,0313 25,3035 26,5740 27,8401 29,0989
38
5,0025 6,0647 7,1470 8,2487 9,3692 10,5079 11,6638 12,8362 14,0238 15,2254 16,4398 17,6653 18,9002 20,1426 21,3906 22,6420 23,8944 25,1454 26,3925 27,6329 28,8640
39
5,0000 6,0608 7,1409 8,2398 9,3567 10,4910 11,6418 12,8078 13,9880 15,1811 16,3855 17,5996 18,8214 20,0491 21,2806 22,5135 23,7454 24,9739 26,1961 27,4096 28,6112
40
4,9972 6,0560 7,1335 8,2291 9,3421 10,4716 11,6164 12,7755 13,9476 15,1312 16,3248 17,5263 18,7341 19,9459 21,1595 22,3727 23,5827 24,7871 25,9832 27,1680 28,3386
41
4,9940 6,0506 7,1253 8,2174 9,3260 10,4502 11,5886 12,7403 13,9036 15,0771 16,2589 17,4471 18,6399 19,8347 21,0296 22,2218 23,4088 24,5881 25,7566 26,9115 28,0494
57
Tablice mortaliteta RS 2002. - MEOVITA POPULACIJA Osigurana suma za jedinicu godinje premije osiguranja, ako je ugovoreno trajanje osiguranja godina
Pristupna
starost
osiguranika
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
42
4,9900 6,0442 7,1158 8,2040 9,3077 10,4260 11,5576 12,7010 13,8548 15,0172 16,1864 17,3604 18,5369 19,7138 20,8886 22,0586 23,2215 24,3741 25,5137 26,6368 27,7398
43
4,9855 6,0371 7,1053 8,1892 9,2878 10,3998 11,5239 12,6585 13,8021 14,9527 16,1085 17,2673 18,4268 19,5847 20,7383 21,8852 23,0225 24,1474 25,2564 26,3459 27,4122
44
4,9799 6,0285 7,0929 8,1720 9,2648 10,3699 11,4857 12,6108 13,7432 14,8811 16,0224 17,1649 18,3062 19,4437 20,5751 21,6974 22,8078 23,9030 24,9792 26,0331 27,0605
45
4,9746 6,0201 7,0806 8,1549 9,2417 10,3396 11,4469 12,5620 13,6830 14,8077 15,9340 17,0596 18,1821 19,2988 20,4071 21,5041 22,5864 23,6505 24,6928 25,7094 26,6965
46
4,9695 6,0120 7,0685 8,1378 9,2185 10,3089 11,4074 12,5122 13,6211 14,7322 15,8431 16,9513 18,0543 19,1495 20,2339 21,3044 22,3572 23,3890 24,3956 25,3735
47
4,9636 6,0028 7,0549 8,1187 9,1926 10,2750 11,3640 12,4576 13,5539 14,6504 15,7447 16,8346 17,9170 18,9894 20,0485 21,0905 22,1121 23,1093 24,0784
48
4,9572 5,9927 7,0401 8,0979 9,1646 10,2384 11,3172 12,3992 13,4818 14,5629 15,6401 16,7104 17,7713 18,8195 19,8514 20,8634 21,8517 22,8126
49
4,9503 5,9818 7,0241 8,0757 9,1347 10,1993 11,2674 12,3369 13,4053 14,4703 15,5292 16,5793 17,6172 18,6395 19,6426 20,6227 21,5760
50
4,9432 5,9706 7,0076 8,0525 9,1034 10,1585 11,2154 12,2719 13,3255 14,3737 15,4136 16,4421 17,4556 18,4506 19,4233 20,3698
51
4,9355 5,9584 6,9897 8,0276 9,0700 10,1149 11,1600 12,2028 13,2408 14,2712 15,2909 16,2962 17,2838 18,2496 19,1900
52
4,9269 5,9450 6,9701 8,0004 9,0337 10,0678 11,1003 12,1286 13,1500 14,1614 15,1591 16,1397 17,0993 18,0341
53
4,9180 5,9310 6,9497 7,9721 8,9959 10,0188 11,0381 12,0513 13,0551 14,0459 15,0204 15,9745 16,9046
54
4,9085 5,9162 6,9282 7,9422 8,9560 9,9670 10,9726 11,9695 12,9541 13,9232 14,8726 15,7986
55
4,8988 5,9009 6,9057 7,9111 8,9144 9,9130 10,9037 11,8829 12,8472 13,7927 14,7154
56
4,8880 5,8841 6,8814 7,8775 8,8696 9,8546 10,8289 11,7891 12,7311 13,6512
57
58
59
60
61
62
63
64
4,7652 5,6899
65
4,7397
58
TARIFNA GRUPA GE +
Meovito osiguranje za sluaj smrti osiguranika u toku ugovorenog trajanja
osiguranja i za doivljenje isteka osiguranja, za jedno lice, ako je ugovorena
osigurana suma za sluaj smrti jednaka ugovorenoj osiguranoj sumi za doivljenje
isteka osiguranja i ako je ugovoreno plaanje JEDNOKRATNE PREMIJE
OSIGURANJA
Osnovne odredbe
1. Jednokratna premija osiguranja se plaa u celosti odjednom, unapred na dan poetka
osiguranja.
2. Ako osiguranik doivi ugovoreni istek osiguranja, osiguraniku, odnosno korisniku
osiguranja za doivljenje isplauje se ugovorena osigurana suma za doivljenje isteka i
dobit ostvarena u toku ugovorenog trajanja osiguranja.
3. U sluaju smrti osiguranika u toku ugovorenog trajanja osiguranja, korisniku
osiguranja isplauje se:
(1) Ako je osiguranje zakljueno bez lekarskog pregleda, a osiguranik umre zbog
bolesti u prvih est meseci od poetka osiguranja, korisniku osiguranja se isplauje 50%
od ugovorene osigurane sume, a ukoliko je od ovog iznosa vei iznos uplaene
jednokratne tehnike premije osiguranja korisniku se vri povrat tehnike premije
osiguranja.
(2) Ukoliko osiguranik umre po isteku est meseci od poetka osiguranja, korisniku
osiguranja se isplauje ugovorena osigurana suma.
(3) Ako je osiguranje zakljueno sa lekarskim pregledom, korisniku osiguranja se
isplauje ugovorena osigurana suma, bez obzira na proteklo vreme od poetka osiguranja
do smrti osiguranika.
4. Premija osiguranja i osigurane sume mogu se ugovarati i plaati u devizama, ili
ugovarati u stranoj valuti i plaati u dinarskoj protivvrednosti po srednjem kursu Narodne
banke Srbije na dan plaanja.
Pristupna starost osiguranika i granice ivotne starosti za istek osiguranja
Pristupna starost osiguranika je razlika izmeu kalendarske godine poetka osiguranja i
kalendarske godine roenja osiguranika.
15 godina
65 godina
70 godina
59
Trajanje osiguranja:
2 godine
25 godina
2.000 EUR
200.000 EUR
- u skladu sa tabelom za
prihvat u osiguranje
S x, ,n
Uee u dobiti
Osiguranik, odnosno korisnik osiguranja ima pravo na uee u dobiti u skladu sa
uslovima osiguranja.
60
Vrsta pregleda
obrazac ponude
A
A+B*)
A+B+D*)
A+C+D+E*)
61
*) = bez obzira na pristupnu starost potreban je test na HIV ukoliko ukupna osigurana
suma ( ukljuujui prethodne polise), prelazi EUR 50.000.
Uz svaki od navedenih pregleda potrebno je priloiti Veliki lekarski izvetaj.
62
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
15
1,0047 1,0331 1,0623 1,0923 1,1230 1,1545 1,1868 1,2200 1,2540 1,2889 1,3246 1,3612 1,3988 1,4372 1,4766 1,5170 1,5583 1,6006 1,6439 1,6881 1,7334 1,7798 1,8271 1,8755
16
1,0047 1,0331 1,0623 1,0923 1,1230 1,1545 1,1868 1,2200 1,2540 1,2888 1,3245 1,3612 1,3987 1,4371 1,4765 1,5168 1,5581 1,6004 1,6436 1,6879 1,7331 1,7794 1,8267 1,8750
17
1,0047 1,0331 1,0623 1,0923 1,1230 1,1545 1,1868 1,2200 1,2539 1,2888 1,3245 1,3611 1,3986 1,4371 1,4764 1,5167 1,5580 1,6002 1,6434 1,6876 1,7329 1,7791 1,8263 1,8745
18
1,0047 1,0331 1,0623 1,0922 1,1230 1,1545 1,1868 1,2199 1,2539 1,2888 1,3245 1,3611 1,3986 1,4370 1,4763 1,5166 1,5579 1,6001 1,6432 1,6874 1,7325 1,7787 1,8258 1,8740
19
1,0047 1,0331 1,0623 1,0922 1,1230 1,1545 1,1868 1,2199 1,2539 1,2887 1,3245 1,3610 1,3985 1,4369 1,4762 1,5165 1,5577 1,5999 1,6430 1,6871 1,7322 1,7783 1,8253 1,8734
20
1,0047 1,0331 1,0623 1,0922 1,1230 1,1545 1,1868 1,2199 1,2539 1,2887 1,3244 1,3610 1,3985 1,4368 1,4761 1,5164 1,5575 1,5996 1,6427 1,6868 1,7318 1,7778 1,8247 1,8727
21
1,0047 1,0331 1,0623 1,0922 1,1230 1,1545 1,1868 1,2199 1,2539 1,2887 1,3244 1,3609 1,3984 1,4367 1,4760 1,5162 1,5573 1,5994 1,6424 1,6864 1,7313 1,7772 1,8241 1,8718
22
1,0047 1,0331 1,0623 1,0922 1,1229 1,1544 1,1867 1,2199 1,2538 1,2886 1,3243 1,3608 1,3983 1,4366 1,4758 1,5160 1,5571 1,5991 1,6420 1,6859 1,7308 1,7765 1,8232 1,8709
23
1,0047 1,0331 1,0623 1,0922 1,1229 1,1544 1,1867 1,2198 1,2538 1,2886 1,3242 1,3607 1,3982 1,4364 1,4756 1,5158 1,5568 1,5987 1,6416 1,6854 1,7302 1,7758 1,8224 1,8698
24
1,0047 1,0331 1,0623 1,0922 1,1229 1,1544 1,1867 1,2198 1,2537 1,2885 1,3242 1,3606 1,3980 1,4363 1,4754 1,5155 1,5565 1,5984 1,6411 1,6848 1,7295 1,7750 1,8213 1,8686
25
1,0047 1,0331 1,0623 1,0922 1,1229 1,1544 1,1867 1,2198 1,2537 1,2884 1,3241 1,3605 1,3979 1,4361 1,4752 1,5152 1,5561 1,5979 1,6406 1,6842 1,7286 1,7739 1,8201 1,8671
26
1,0047 1,0331 1,0623 1,0922 1,1229 1,1544 1,1866 1,2197 1,2536 1,2884 1,3239 1,3604 1,3977 1,4359 1,4749 1,5148 1,5557 1,5974 1,6399 1,6834 1,7277 1,7728 1,8188 1,8656
27
1,0047 1,0331 1,0623 1,0922 1,1229 1,1543 1,1866 1,2197 1,2536 1,2883 1,3238 1,3602 1,3975 1,4356 1,4746 1,5144 1,5552 1,5968 1,6392 1,6825 1,7266 1,7715 1,8173 1,8638
28
1,0047 1,0331 1,0623 1,0922 1,1229 1,1543 1,1866 1,2196 1,2535 1,2882 1,3237 1,3600 1,3972 1,4353 1,4742 1,5140 1,5546 1,5961 1,6384 1,6815 1,7254 1,7701 1,8155 1,8618
29
1,0047 1,0331 1,0623 1,0922 1,1228 1,1543 1,1865 1,2195 1,2534 1,2880 1,3235 1,3598 1,3969 1,4349 1,4738 1,5134 1,5539 1,5952 1,6373 1,6802 1,7239 1,7684 1,8135 1,8594
30
1,0047 1,0331 1,0623 1,0921 1,1228 1,1542 1,1864 1,2194 1,2532 1,2879 1,3233 1,3596 1,3966 1,4345 1,4733 1,5128 1,5532 1,5943 1,6363 1,6790 1,7224 1,7666 1,8114 1,8570
31
1,0047 1,0331 1,0622 1,0921 1,1228 1,1542 1,1864 1,2194 1,2531 1,2877 1,3231 1,3593 1,3963 1,4342 1,4728 1,5122 1,5524 1,5934 1,6351 1,6776 1,7208 1,7647 1,8092 1,8544
32
1,0047 1,0331 1,0622 1,0921 1,1228 1,1541 1,1863 1,2193 1,2530 1,2876 1,3229 1,3590 1,3959 1,4337 1,4722 1,5115 1,5515 1,5923 1,6338 1,6760 1,7189 1,7625 1,8066 1,8514
33
1,0047 1,0331 1,0622 1,0921 1,1227 1,1541 1,1862 1,2192 1,2529 1,2873 1,3226 1,3587 1,3955 1,4331 1,4715 1,5106 1,5505 1,5910 1,6323 1,6742 1,7168 1,7600 1,8038 1,8481
34
1,0047 1,0331 1,0622 1,0921 1,1227 1,1540 1,1861 1,2190 1,2527 1,2871 1,3223 1,3583 1,3950 1,4325 1,4707 1,5096 1,5493 1,5896 1,6306 1,6722 1,7145 1,7573 1,8007 1,8445
35
1,0047 1,0331 1,0622 1,0920 1,1226 1,1540 1,1860 1,2189 1,2525 1,2868 1,3220 1,3578 1,3944 1,4317 1,4698 1,5085 1,5480 1,5881 1,6288 1,6701 1,7120 1,7544 1,7973 1,8406
36
1,0047 1,0331 1,0622 1,0920 1,1226 1,1539 1,1859 1,2187 1,2523 1,2865 1,3216 1,3573 1,3938 1,4310 1,4688 1,5074 1,5466 1,5864 1,6268 1,6678 1,7093 1,7512 1,7936 1,8363
37
1,0047 1,0331 1,0622 1,0920 1,1225 1,1538 1,1858 1,2185 1,2520 1,2862 1,3211 1,3568 1,3931 1,4301 1,4677 1,5061 1,5450 1,5845 1,6246 1,6652 1,7063 1,7478 1,7896 1,8317
38
1,0047 1,0330 1,0621 1,0919 1,1224 1,1537 1,1856 1,2183 1,2517 1,2858 1,3206 1,3561 1,3922 1,4291 1,4665 1,5046 1,5432 1,5825 1,6222 1,6624 1,7030 1,7439 1,7851 1,8266
39
1,0047 1,0330 1,0621 1,0919 1,1224 1,1536 1,1855 1,2181 1,2514 1,2854 1,3200 1,3554 1,3913 1,4280 1,4652 1,5030 1,5413 1,5802 1,6195 1,6593 1,6994 1,7398 1,7803 1,8210
40
1,0047 1,0330 1,0621 1,0918 1,1223 1,1534 1,1853 1,2178 1,2510 1,2848 1,3194 1,3546 1,3904 1,4268 1,4637 1,5013 1,5393 1,5778 1,6167 1,6560 1,6955 1,7352 1,7751 1,8150
41
1,0047 1,0330 1,0620 1,0918 1,1222 1,1532 1,1850 1,2174 1,2505 1,2843 1,3187 1,3537 1,3893 1,4254 1,4621 1,4994 1,5370 1,5751 1,6136 1,6523 1,6912 1,7303 1,7695 1,8085
42
1,0047 1,0330 1,0620 1,0917 1,1220 1,1531 1,1847 1,2171 1,2501 1,2837 1,3179 1,3527 1,3881 1,4240 1,4604 1,4973 1,5346 1,5723 1,6102 1,6484 1,6867 1,7251 1,7634 1,8016
43
1,0046 1,0330 1,0619 1,0916 1,1219 1,1529 1,1845 1,2167 1,2496 1,2830 1,3171 1,3517 1,3869 1,4225 1,4586 1,4952 1,5321 1,5692 1,6066 1,6442 1,6818 1,7194 1,7569 1,7941
44
1,0046 1,0329 1,0619 1,0915 1,1217 1,1526 1,1841 1,2163 1,2490 1,2823 1,3162 1,3506 1,3855 1,4209 1,4566 1,4928 1,5292 1,5659 1,6027 1,6396 1,6765 1,7133 1,7498 1,7860
Osigurana suma za jedinicu jednokratne premije osiguranja, ako je ugovoreno trajanje osiguranja godina
Pristupna
starost
osiguranika
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
45
1,0046 1,0329 1,0618 1,0914 1,1216 1,1524 1,1838 1,2158 1,2484 1,2816 1,3153 1,3494 1,3841 1,4191 1,4546 1,4903 1,5263 1,5624 1,5986 1,6348 1,6709 1,7068 1,7423 1,7773
46
1,0046 1,0329 1,0618 1,0913 1,1214 1,1522 1,1835 1,2154 1,2478 1,2808 1,3143 1,3483 1,3826 1,4174 1,4524 1,4877 1,5232 1,5587 1,5943 1,6298 1,6650 1,6999 1,7344
47
1,0046 1,0328 1,0617 1,0912 1,1212 1,1519 1,1831 1,2149 1,2472 1,2800 1,3133 1,3470 1,3811 1,4154 1,4501 1,4849 1,5198 1,5547 1,5896 1,6242 1,6586 1,6924
48
1,0046 1,0328 1,0616 1,0911 1,1211 1,1516 1,1828 1,2144 1,2466 1,2792 1,3122 1,3457 1,3794 1,4134 1,4476 1,4819 1,5162 1,5505 1,5846 1,6183 1,6517
49
1,0046 1,0328 1,0616 1,0910 1,1209 1,1514 1,1824 1,2139 1,2459 1,2783 1,3111 1,3442 1,3776 1,4112 1,4449 1,4787 1,5124 1,5459 1,5792 1,6120
50
1,0046 1,0328 1,0615 1,0908 1,1207 1,1511 1,1820 1,2134 1,2452 1,2774 1,3099 1,3427 1,3757 1,4088 1,4420 1,4752 1,5082 1,5409 1,5732
51
1,0046 1,0327 1,0614 1,0907 1,1205 1,1508 1,1816 1,2128 1,2444 1,2763 1,3085 1,3409 1,3735 1,4062 1,4388 1,4713 1,5035 1,5354
52
1,0046 1,0327 1,0614 1,0906 1,1203 1,1504 1,1811 1,2121 1,2435 1,2751 1,3070 1,3390 1,3711 1,4032 1,4352 1,4670 1,4983
53
1,0045 1,0326 1,0613 1,0904 1,1200 1,1501 1,1805 1,2113 1,2424 1,2738 1,3053 1,3369 1,3685 1,4000 1,4313 1,4622
54
1,0045 1,0326 1,0612 1,0902 1,1197 1,1497 1,1799 1,2105 1,2413 1,2724 1,3035 1,3346 1,3657 1,3965 1,4270
55
1,0045 1,0326 1,0611 1,0901 1,1194 1,1492 1,1793 1,2096 1,2401 1,2708 1,3015 1,3321 1,3625 1,3926
56
1,0045 1,0325 1,0610 1,0898 1,1191 1,1487 1,1785 1,2086 1,2388 1,2690 1,2992 1,3292 1,3589
57
1,0045 1,0324 1,0608 1,0896 1,1187 1,1480 1,1776 1,2074 1,2372 1,2670 1,2966 1,3259
58
1,0045 1,0324 1,0606 1,0893 1,1182 1,1474 1,1767 1,2061 1,2355 1,2648 1,2938
59
1,0044 1,0323 1,0604 1,0889 1,1177 1,1466 1,1756 1,2046 1,2336 1,2622
60
61
62
63
64
65
64
Pristupna
starost
osiguranika
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
15
1,0047 1,0331 1,0623 1,0922 1,1229 1,1543 1,1865 1,2196 1,2534 1,2881 1,3235 1,3599 1,3971 1,4351 1,4741 1,5139 1,5546 1,5963 1,6388 1,6823 1,7267 1,7721 1,8183 1,8655
16
1,0047 1,0331 1,0623 1,0922 1,1228 1,1542 1,1864 1,2194 1,2532 1,2878 1,3233 1,3596 1,3967 1,4347 1,4736 1,5134 1,5540 1,5956 1,6381 1,6815 1,7258 1,7710 1,8171 1,8641
17
1,0047 1,0331 1,0622 1,0921 1,1227 1,1541 1,1863 1,2193 1,2530 1,2876 1,3230 1,3593 1,3964 1,4343 1,4731 1,5129 1,5534 1,5949 1,6373 1,6806 1,7248 1,7698 1,8158 1,8626
18
1,0047 1,0331 1,0622 1,0921 1,1227 1,1541 1,1862 1,2192 1,2529 1,2875 1,3228 1,3590 1,3961 1,4340 1,4728 1,5125 1,5530 1,5944 1,6367 1,6799 1,7240 1,7689 1,8147 1,8614
19
1,0047 1,0331 1,0622 1,0921 1,1227 1,1540 1,1862 1,2191 1,2528 1,2874 1,3227 1,3589 1,3960 1,4338 1,4726 1,5122 1,5527 1,5941 1,6363 1,6794 1,7234 1,7682 1,8139 1,8603
20
1,0047 1,0331 1,0622 1,0921 1,1227 1,1540 1,1861 1,2191 1,2528 1,2873 1,3226 1,3588 1,3958 1,4337 1,4724 1,5119 1,5524 1,5937 1,6358 1,6789 1,7227 1,7674 1,8129 1,8592
21
1,0047 1,0331 1,0622 1,0920 1,1226 1,1540 1,1861 1,2190 1,2527 1,2872 1,3225 1,3587 1,3957 1,4335 1,4722 1,5117 1,5520 1,5933 1,6353 1,6783 1,7220 1,7665 1,8119 1,8579
22
1,0047 1,0331 1,0622 1,0920 1,1226 1,1539 1,1860 1,2189 1,2526 1,2871 1,3224 1,3585 1,3955 1,4333 1,4719 1,5113 1,5517 1,5928 1,6348 1,6775 1,7211 1,7655 1,8106 1,8564
23
1,0047 1,0331 1,0622 1,0920 1,1226 1,1539 1,1860 1,2189 1,2526 1,2870 1,3223 1,3584 1,3953 1,4331 1,4717 1,5111 1,5513 1,5923 1,6342 1,6768 1,7203 1,7644 1,8093 1,8548
24
1,0047 1,0331 1,0622 1,0920 1,1226 1,1539 1,1860 1,2188 1,2525 1,2870 1,3222 1,3583 1,3952 1,4329 1,4714 1,5107 1,5509 1,5918 1,6336 1,6761 1,7193 1,7632 1,8078 1,8530
25
1,0047 1,0331 1,0622 1,0920 1,1226 1,1539 1,1860 1,2188 1,2525 1,2869 1,3221 1,3582 1,3950 1,4327 1,4711 1,5104 1,5504 1,5913 1,6329 1,6752 1,7182 1,7618 1,8061 1,8510
26
1,0047 1,0331 1,0622 1,0920 1,1225 1,1539 1,1859 1,2188 1,2524 1,2868 1,3221 1,3581 1,3949 1,4325 1,4708 1,5100 1,5500 1,5906 1,6321 1,6742 1,7169 1,7603 1,8042 1,8486
27
1,0047 1,0331 1,0622 1,0920 1,1225 1,1538 1,1859 1,2188 1,2524 1,2868 1,3219 1,3579 1,3946 1,4322 1,4705 1,5095 1,5493 1,5898 1,6310 1,6729 1,7154 1,7584 1,8019 1,8459
28
1,0047 1,0330 1,0621 1,0920 1,1225 1,1538 1,1859 1,2187 1,2523 1,2866 1,3218 1,3577 1,3943 1,4318 1,4700 1,5089 1,5485 1,5888 1,6298 1,6714 1,7135 1,7561 1,7992 1,8426
29
1,0047 1,0330 1,0621 1,0919 1,1225 1,1538 1,1858 1,2186 1,2522 1,2865 1,3216 1,3574 1,3940 1,4313 1,4694 1,5082 1,5476 1,5877 1,6283 1,6696 1,7113 1,7535 1,7961 1,8389
30
1,0047 1,0330 1,0621 1,0919 1,1225 1,1538 1,1858 1,2185 1,2521 1,2863 1,3214 1,3571 1,3936 1,4308 1,4688 1,5073 1,5465 1,5863 1,6267 1,6676 1,7089 1,7506 1,7926 1,8349
31
1,0047 1,0330 1,0621 1,0919 1,1225 1,1537 1,1857 1,2184 1,2519 1,2861 1,3211 1,3567 1,3931 1,4302 1,4679 1,5063 1,5452 1,5847 1,6247 1,6652 1,7060 1,7472 1,7886 1,8301
32
1,0047 1,0330 1,0621 1,0919 1,1224 1,1536 1,1856 1,2183 1,2517 1,2859 1,3207 1,3563 1,3925 1,4294 1,4669 1,5050 1,5437 1,5828 1,6224 1,6624 1,7027 1,7433 1,7840 1,8247
33
1,0047 1,0330 1,0621 1,0919 1,1224 1,1536 1,1855 1,2181 1,2515 1,2855 1,3203 1,3557 1,3917 1,4284 1,4657 1,5035 1,5418 1,5806 1,6197 1,6592 1,6989 1,7388 1,7787 1,8186
34
1,0047 1,0330 1,0621 1,0918 1,1223 1,1535 1,1853 1,2179 1,2512 1,2851 1,3197 1,3550 1,3909 1,4273 1,4643 1,5018 1,5397 1,5780 1,6167 1,6556 1,6946 1,7338 1,7729 1,8119
35
1,0047 1,0330 1,0620 1,0918 1,1222 1,1533 1,1851 1,2176 1,2508 1,2847 1,3191 1,3542 1,3898 1,4260 1,4627 1,4998 1,5373 1,5752 1,6133 1,6515 1,6899 1,7282 1,7665 1,8045
36
1,0047 1,0330 1,0620 1,0917 1,1221 1,1532 1,1849 1,2174 1,2504 1,2841 1,3184 1,3532 1,3886 1,4245 1,4609 1,4976 1,5346 1,5719 1,6094 1,6470 1,6846 1,7221 1,7594 1,7965
37
1,0046 1,0330 1,0620 1,0917 1,1220 1,1530 1,1847 1,2170 1,2500 1,2835 1,3176 1,3522 1,3873 1,4229 1,4588 1,4951 1,5317 1,5684 1,6052 1,6421 1,6788 1,7154 1,7518 1,7878
65
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
38
1,0046 1,0330 1,0619 1,0916 1,1219 1,1528 1,1844 1,2166 1,2494 1,2827 1,3166 1,3510 1,3858 1,4210 1,4565 1,4923 1,5283 1,5644 1,6006 1,6366 1,6725 1,7082 1,7435 1,7785
39
1,0046 1,0329 1,0619 1,0915 1,1217 1,1526 1,1841 1,2162 1,2488 1,2819 1,3155 1,3496 1,3841 1,4189 1,4540 1,4892 1,5246 1,5600 1,5954 1,6306 1,6656 1,7003 1,7346 1,7684
40
1,0046 1,0329 1,0618 1,0914 1,1216 1,1523 1,1837 1,2156 1,2480 1,2809 1,3143 1,3481 1,3821 1,4165 1,4511 1,4858 1,5205 1,5552 1,5898 1,6241 1,6582 1,6918 1,7250 1,7576
41
1,0046 1,0329 1,0618 1,0913 1,1214 1,1520 1,1833 1,2150 1,2472 1,2799 1,3130 1,3464 1,3800 1,4139 1,4480 1,4820 1,5161 1,5500 1,5837 1,6172 1,6503 1,6829 1,7150 1,7463
42
1,0046 1,0329 1,0617 1,0911 1,1211 1,1517 1,1828 1,2143 1,2463 1,2787 1,3114 1,3445 1,3777 1,4111 1,4445 1,4780 1,5113 1,5444 1,5773 1,6098 1,6419 1,6734 1,7042 1,7343
43
1,0046 1,0328 1,0616 1,0909 1,1208 1,1513 1,1822 1,2135 1,2453 1,2774 1,3097 1,3423 1,3751 1,4079 1,4407 1,4735 1,5060 1,5383 1,5703 1,6018 1,6329 1,6632 1,6928 1,7216
44
1,0046 1,0327 1,0615 1,0907 1,1205 1,1508 1,1815 1,2126 1,2441 1,2759 1,3078 1,3400 1,3722 1,4045 1,4366 1,4686 1,5004 1,5318 1,5629 1,5934 1,6233 1,6525 1,6808 1,7082
45
1,0046 1,0327 1,0613 1,0905 1,1202 1,1503 1,1808 1,2117 1,2429 1,2743 1,3059 1,3376 1,3693 1,4009 1,4324 1,4637 1,4946 1,5252 1,5553 1,5848 1,6136 1,6415 1,6685 1,6945
46
1,0045 1,0326 1,0612 1,0903 1,1199 1,1499 1,1802 1,2108 1,2417 1,2727 1,3039 1,3351 1,3662 1,3973 1,4281 1,4586 1,4888 1,5185 1,5476 1,5760 1,6036 1,6303 1,6560
47
1,0045 1,0326 1,0611 1,0901 1,1195 1,1493 1,1794 1,2098 1,2404 1,2710 1,3017 1,3324 1,3630 1,3934 1,4235 1,4533 1,4826 1,5113 1,5394 1,5667 1,5931 1,6185
48
1,0045 1,0325 1,0610 1,0899 1,1191 1,1487 1,1786 1,2087 1,2389 1,2691 1,2993 1,3295 1,3594 1,3892 1,4186 1,4475 1,4759 1,5037 1,5307 1,5568 1,5820
49
1,0045 1,0324 1,0608 1,0896 1,1187 1,1481 1,1777 1,2074 1,2372 1,2670 1,2967 1,3263 1,3557 1,3847 1,4134 1,4415 1,4689 1,4957 1,5216 1,5465
50
1,0045 1,0324 1,0606 1,0893 1,1182 1,1474 1,1767 1,2061 1,2355 1,2649 1,2941 1,3231 1,3519 1,3802 1,4080 1,4352 1,4617 1,4874 1,5122
51
1,0044 1,0323 1,0605 1,0890 1,1177 1,1466 1,1757 1,2047 1,2337 1,2626 1,2914 1,3198 1,3479 1,3755 1,4025 1,4288 1,4543 1,4789
52
1,0044 1,0322 1,0603 1,0886 1,1172 1,1458 1,1745 1,2032 1,2318 1,2603 1,2885 1,3163 1,3437 1,3705 1,3966 1,4220 1,4465
53
1,0044 1,0321 1,0601 1,0882 1,1166 1,1450 1,1734 1,2017 1,2299 1,2579 1,2855 1,3127 1,3394 1,3654 1,3906 1,4150
54
1,0043 1,0320 1,0598 1,0878 1,1160 1,1441 1,1722 1,2002 1,2280 1,2554 1,2825 1,3090 1,3349 1,3601 1,3844
55
1,0043 1,0319 1,0596 1,0874 1,1153 1,1432 1,1710 1,1986 1,2259 1,2529 1,2793 1,3052 1,3303 1,3545
56
1,0043 1,0317 1,0593 1,0870 1,1147 1,1423 1,1698 1,1970 1,2238 1,2502 1,2760 1,3011 1,3254
57
1,0042 1,0316 1,0591 1,0866 1,1141 1,1414 1,1686 1,1954 1,2217 1,2475 1,2726 1,2969
58
1,0042 1,0315 1,0589 1,0862 1,1135 1,1406 1,1673 1,1937 1,2195 1,2447 1,2691
59
1,0041 1,0314 1,0587 1,0859 1,1129 1,1397 1,1660 1,1919 1,2171 1,2416
60
61
62
63
64
65
66
Osnovne odredbe
1. Premija osiguranja se plaa do isteka ugovorenog trajanja osiguranja, ako osiguranik
doivi istek, a ukoliko osiguranik umre, ili oboli od osigurane teke bolesti pre isteka
ugovorenog trajanja osiguranja plaa se premija za tu godinu u kojoj je nastupila smrt,
odnosno konstatovana teka bolest osiguranika, u skladu sa uslovima osiguranja.
2. Isplata osigurane sume:
Osigurava e osiguranu sumu isplatiti korisniku osiguranja samo jedanput i to ako za
vreme trajanja osiguranja nastupi smrt osiguranika, ili nastupi jedna ili vie osiguranih
tekih bolesti, odnosno po isteku trajanja osiguranja (za doivljenje).
a) U sluaju smrti osiguranika u toku ugovorenog trajanja osiguranja, korisniku
osiguranja isplauje se:
(1) Ako je osiguranje zakljueno bez lekarskog pregleda, a osiguranik umre u prvih
est meseci zbog bolesti od poetka osiguranja (osim tekih bolesti za koje je ugovoreno
usiguranje gde se primenjuje priekni rok iz uslova osiguranja), korisniku osiguranja se
isplauje 50% od ugovorene osigurane sume, a ukoliko osiguranik umre po isteku est
meseci od poetka osiguranja, korisniku se isplauje ugovorena osigurana suma i dobit
ostvarena do smrti osiguranika.
(2) Ako je osiguranje zakljueno sa lekarskim pregledom, korisniku se isplauje
ugovorena osigurana suma i dobit ostvarena do smrti osiguranika, bez obzira na proteklo
vreme od poetka osiguranja do smrti osiguranika.
b) U sluaju nastanka osigurane teke bolesti isplauje se cela ugovorena osigurana
suma i do tada ostvarena dobit, prema uslovima osiguranja.
67
15 godina
55 godina
65 godina
Trajanje osiguranja:
10 godina
25 godina
2.000 EUR
150.000 EUR
68
- u skladu sa tabelom za
prihvat u osiguranje
S x, ,n
Uee u dobiti
Osiguranik, odnosno korisnik osiguranja ima pravo na uee u dobiti u skladu sa
uslovima osiguranja.
69
Vrsta pregleda
obrazac ponude
A
A+B*)
A+B+D*)
A+C+D+E*)
70
71
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
15
10,3915
11,5558
12,7434
13,9542
15,1883
16,4455
17,7257
19,0286
20,3539
21,7013
23,0706
24,4610
25,8721
27,3031
28,7535
30,2222
16
10,3884
11,5519
12,7385
13,9481
15,1807
16,4362
17,7142
19,0146
20,3371
21,6814
23,0468
24,4329
25,8390
27,2645
28,7086
30,1702
17
10,3858
11,5484
12,7340
13,9424
15,1735
16,4271
17,7029
19,0008
20,3204
21,6611
23,0226
24,4041
25,8051
27,2247
28,6620
30,1162
18
10,3829
11,5446
12,7290
13,9360
15,1654
16,4169
17,6904
18,9855
20,3017
21,6387
22,9957
24,3723
25,7676
27,1807
28,6108
30,0567
19
10,3799
11,5407
12,7238
13,9292
15,1567
16,4060
17,6769
18,9689
20,2816
21,6144
22,9667
24,3379
25,7270
27,1332
28,5554
29,9923
20
10,3762
11,5358
12,7174
13,9209
15,1462
16,3930
17,6609
18,9494
20,2581
21,5863
22,9334
24,2985
25,6808
27,0793
28,4926
29,9197
21
10,3722
11,5303
12,7102
13,9118
15,1347
16,3787
17,6433
18,9280
20,2323
21,5555
22,8968
24,2554
25,6303
27,0203
28,4241
29,8403
22
10,3672
11,5237
12,7017
13,9010
15,1213
16,3621
17,6230
18,9035
20,2029
21,5205
22,8555
24,2069
25,5735
26,9542
28,3475
29,7516
23
10,3618
11,5166
12,6926
13,8895
15,1068
16,3442
17,6011
18,8771
20,1712
21,4828
22,8109
24,1544
25,5122
26,8827
28,2644
29,6557
24
10,3557
11,5086
12,6823
13,8764
15,0905
16,3242
17,5768
18,8477
20,1361
21,4411
22,7616
24,0966
25,4445
26,8038
28,1730
29,5502
25
10,3486
11,4993
12,6704
13,8614
15,0719
16,3014
17,5492
18,8146
20,0967
21,3944
22,7066
24,0321
25,3691
26,7163
28,0718
29,4335
26
10,3409
11,4892
12,6575
13,8453
15,0520
16,2770
17,5196
18,7790
20,0542
21,3440
22,6472
23,9623
25,2877
26,6217
27,9623
29,3074
27
10,3323
11,4781
12,6434
13,8275
15,0300
16,2502
17,4872
18,7401
20,0077
21,2889
22,5822
23,8861
25,1988
26,5185
27,8430
29,1702
28
10,3228
11,4658
12,6278
13,8080
15,0060
16,2209
17,4517
18,6974
19,9569
21,2286
22,5112
23,8029
25,1017
26,4059
27,7131
29,0211
29
10,3117
11,4516
12,6099
13,7859
14,9788
16,1877
17,4117
18,6496
19,8999
21,1612
22,4320
23,7102
24,9941
26,2813
27,5699
28,8571
30
10,3005
11,4372
12,5916
13,7630
14,9505
16,1533
17,3700
18,5993
19,8399
21,0902
22,3483
23,6123
24,8801
26,1496
27,4182
28,6835
31
10,2894
11,4227
12,5731
13,7396
14,9215
16,1176
17,3264
18,5468
19,7771
21,0155
22,2601
23,5090
24,7599
26,0104
27,2580
28,5000
32
10,2765
11,4061
12,5519
13,7131
14,8887
16,0772
17,2775
18,4879
19,7068
20,9322
22,1621
23,3946
24,6271
25,8572
27,0821
28,2991
33
10,2627
11,3881
12,5290
13,6844
14,8529
16,0334
17,2244
18,4240
19,6305
20,8419
22,0562
23,2710
24,4838
25,6920
26,8928
28,0836
34
10,2472
11,3681
12,5036
13,6524
14,8134
15,9851
17,1657
18,3536
19,5467
20,7431
21,9404
23,1362
24,3279
25,5127
26,6880
27,8506
35
10,2311
11,3471
12,4766
13,6185
14,7713
15,9334
17,1030
18,2783
19,4572
20,6375
21,8167
22,9923
24,1616
25,3219
26,4701
27,6034
36
10,2135
11,3241
12,4473
13,5816
14,7255
15,8772
17,0349
18,1967
19,3603
20,5233
21,6831
22,8372
23,9829
25,1170
26,2369
27,3391
37
10,1942
11,2989
12,4151
13,5411
14,6752
15,8158
16,9608
18,1080
19,2551
20,3995
21,5387
22,6700
23,7904
24,8971
25,9868
27,0562
38
10,1724
11,2706
12,3789
13,4958
14,6194
15,7478
16,8789
18,0103
19,1395
20,2641
21,3813
22,4882
23,5819
24,6593
25,7170
26,7525
39
10,1487
11,2398
12,3398
13,4468
14,5591
15,6744
16,7906
17,9051
19,0154
20,1189
21,2127
22,2940
23,3595
24,4060
25,4308
26,4313
40
10,1226
11,2060
12,2969
13,3933
14,4933
15,5946
16,6947
17,7911
18,8814
19,9624
21,0316
22,0856
23,1212
24,1358
25,1267
26,0913
41
10,0936
11,1686
12,2495
13,3345
14,4212
15,5072
16,5902
17,6675
18,7361
19,7935
20,8364
21,8615
22,8661
23,8478
24,8038
42
10,0619
11,1278
12,1982
13,2707
14,3432
15,4130
16,4778
17,5345
18,5806
19,6127
20,6278
21,6231
22,5959
23,5437
43
10,0278
11,0840
12,1429
13,2022
14,2595
15,3123
16,3576
17,3929
18,4149
19,4204
20,4068
21,3715
22,3117
44
9,9899
11,0355
12,0820
13,1271
14,1682
15,2025
16,2273
17,2395
18,2359
19,2138
20,1706
21,1035
45
9,9497
10,9840
12,0175
13,0476
14,0715
15,0865
16,0896
17,0775
18,0476
18,9972
19,9236
Tablice mortaliteta RS 2002 i Tablice oboljevanja Minhen RE - ENE Osigurana suma za jedinicu godinje premije osiguranja, ako je ugovoreno trajanje osiguranja godina
Pristupna
starost
osiguranika
10
11
12
13
14
15
16
17
18
19
46
9,9071
10,9295
11,9492
12,9634
13,9693
14,9640
15,9441
16,9071
17,8502
18,7708
47
9,8604
10,8701
11,8749
12,8722
13,8588
14,8317
15,7880
16,7251
17,6403
48
9,8108
10,8068
11,7961
12,7754
13,7416
14,6919
15,6238
16,5344
49
9,7585
10,7404
11,7131
12,6734
13,6185
14,5459
15,4526
50
9,7023
10,6690
11,6239
12,5645
13,4879
14,3915
51
9,6423
10,5926
11,5293
12,4495
13,3506
52
9,5773
10,5106
11,4284
12,3276
53
9,5085
10,4244
11,3226
54
9,4367
10,3348
55
9,3615
20
21
22
23
24
25
Tablice mortaliteta RS 2002 i Tablice oboljevanja Minhen RE - MUKARCI Osigurana suma za jedinicu godinje premije osiguranja, ako je ugovoreno trajanje osiguranja godina
Pristupna
starost
osiguranika
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
15
10,3692
11,5259
12,7043
13,9045
15,1264
16,3698
17,6344
18,9201
20,2266
21,5535
22,9004
24,2666
25,6514
27,0540
28,4735
29,9087
16
10,3607
11,5154
12,6918
13,8897
15,1090
16,3495
17,6109
18,8931
20,1958
21,5183
22,8603
24,2209
25,5994
26,9949
28,4063
29,8324
17
10,3520
11,5049
12,6792
13,8748
15,0915
16,3291
17,5875
18,8662
20,1648
21,4829
22,8197
24,1745
25,5463
26,9343
28,3371
29,7534
18
10,3448
11,4962
12,6687
13,8623
15,0767
16,3118
17,5673
18,8427
20,1376
21,4513
22,7831
24,1321
25,4973
26,8776
28,2716
29,6779
19
10,3399
11,4900
12,6611
13,8530
15,0655
16,2984
17,5513
18,8237
20,1150
21,4245
22,7514
24,0946
25,4532
26,8258
28,2108
29,6068
20
10,3350
11,4838
12,6534
13,8437
15,0543
16,2848
17,5350
18,8041
20,0915
21,3964
22,7179
24,0549
25,4061
26,7701
28,1453
29,5298
21
10,3300
11,4775
12,6457
13,8341
15,0426
16,2707
17,5178
18,7833
20,0664
21,3662
22,6818
24,0117
25,3547
26,7092
28,0735
29,4450
22
10,3245
11,4706
12,6371
13,8236
15,0297
16,2549
17,4985
18,7599
20,0381
21,3323
22,6410
23,9630
25,2969
26,6407
27,9923
29,3489
23
10,3198
11,4646
12,6295
13,8139
15,0175
16,2397
17,4796
18,7366
20,0096
21,2975
22,5989
23,9123
25,2361
26,5679
27,9053
29,2458
24
10,3148
11,4582
12,6212
13,8034
15,0041
16,2228
17,4586
18,7107
19,9777
21,2585
22,5516
23,8554
25,1676
26,4857
27,8073
29,1302
25
10,3102
11,4520
12,6129
13,7926
14,9902
16,2051
17,4363
18,6828
19,9432
21,2162
22,5001
23,7928
25,0918
26,3948
27,6994
29,0028
26
10,3052
11,4451
12,6038
13,7805
14,9746
16,1852
17,4111
18,6512
19,9042
21,1684
22,4416
23,7215
25,0058
26,2922
27,5779
28,8597
27
10,2990
11,4367
12,5926
13,7659
14,9558
16,1612
17,3810
18,6139
19,8582
21,1119
22,3727
23,6382
24,9063
26,1741
27,4385
28,6961
28
10,2912
11,4263
12,5789
13,7482
14,9331
16,1326
17,3453
18,5698
19,8039
21,0454
22,2921
23,5417
24,7915
26,0384
27,2790
28,5100
29
10,2822
11,4141
12,5630
13,7275
14,9068
16,0995
17,3042
18,5188
19,7411
20,9689
22,2001
23,4319
24,6613
25,8849
27,0995
28,3012
30
10,2725
11,4011
12,5456
13,7050
14,8779
16,0631
17,2585
18,4618
19,6711
20,8841
22,0982
23,3103
24,5173
25,7157
26,9018
28,0720
31
10,2607
11,3852
12,5246
13,6779
14,8436
16,0198
17,2042
18,3949
19,5897
20,7860
21,9808
23,1710
24,3532
25,5237
26,6788
27,8146
32
10,2461
11,3658
12,4994
13,6457
14,8027
15,9682
17,1403
18,3169
19,4955
20,6730
21,8463
23,0122
24,1670
25,3070
26,4283
27,5271
33
10,2288
11,3430
12,4701
13,6080
14,7548
15,9086
17,0671
18,2280
19,3883
20,5449
21,6946
22,8338
23,9588
25,0657
26,1508
27,2100
34
10,2094
11,3175
12,4368
13,5652
14,7008
15,8416
16,9851
18,1285
19,2687
20,4025
21,5264
22,6367
23,7296
24,8013
25,8477
26,8649
35
10,1873
11,2881
12,3984
13,5162
14,6395
15,7659
16,8927
18,0167
19,1349
20,2437
21,3395
22,4186
23,4771
24,5110
25,5165
26,4900
36
10,1619
11,2543
12,3546
13,4608
14,5705
15,6810
16,7892
17,8921
18,9861
20,0678
21,1333
22,1790
23,2007
24,1947
25,1575
26,0863
37
10,1329
11,2161
12,3055
13,3989
14,4935
15,5863
16,6743
17,7540
18,8220
19,8744
20,9076
21,9176
22,9005
23,8529
24,7720
25,6553
38
10,1000
11,1731
12,2506
13,3297
14,4075
15,4810
16,5469
17,6016
18,6413
19,6625
20,6612
21,6334
22,5758
23,4857
24,3604
25,1973
39
10,0627
11,1247
12,1888
13,2520
14,3116
15,3640
16,4058
17,4334
18,4430
19,4308
20,3928
21,3257
22,2267
23,0933
23,9227
24,7125
40
10,0204
11,0699
12,1190
13,1650
14,2044
15,2338
16,2496
17,2481
18,2254
19,1777
20,1015
20,9941
21,8528
22,6752
23,4585
24,2014
41
9,9741
11,0099
12,0429
13,0700
14,0878
15,0926
16,0807
17,0483
17,9915
18,9070
19,7919
20,6436
21,4595
22,2371
22,9747
42
9,9222
10,9430
11,9583
12,9650
13,9593
14,9377
15,8962
16,8310
17,7387
18,6165
19,4618
20,2719
21,0441
21,7771
43
9,8640
10,8681
11,8643
12,8487
13,8179
14,7679
15,6949
16,5954
17,4668
18,3062
19,1110
19,8786
20,6074
44
9,7995
10,7858
11,7611
12,7218
13,6640
14,5840
15,4782
16,3438
17,1781
17,9784
18,7420
19,4674
45
9,7319
10,6993
11,6528
12,5885
13,5026
14,3917
15,2528
16,0833
16,8803
17,6412
18,3643
Pristupna
starost
osiguranika
10
11
12
13
14
15
16
17
18
19
46
9,6604
10,6078
11,5382
12,4477
13,3328
14,1906
15,0184
15,8134
16,5727
17,2947
47
9,5822
10,5080
11,4137
12,2958
13,1513
13,9773
14,7710
15,5297
16,2514
48
9,4949
10,3976
11,2773
12,1311
12,9561
13,7494
14,5081
15,2304
49
9,4000
10,2785
11,1317
11,9567
12,7506
13,5104
14,2342
50
9,3001
10,1541
10,9805
11,7764
12,5387
13,2655
51
9,1952
10,0245
10,8237
11,5899
12,3210
52
9,0845
9,8884
10,6598
11,3964
53
8,9713
9,7495
10,4934
54
8,8541
9,6068
55
8,7362
20
21
22
23
24
25
75
76
77
78
79
15 godina
55 godina
65 godina
Trajanje osiguranja:
2 godine
25 godina
1.000 EUR
150.000 EUR
- u skladu sa tabelom za
prihvat u osiguranje
80
S x, ,n
Uee u dobiti
Osiguranik, odnosno korisnik osiguranja ima pravo na uee u dobiti u skladu sa
uslovima osiguranja.
Uslovi za preuzimanje u osiguranje
Sposobnost za zakljuivanje osiguranja utvruje se u skladu sa Optim uslovima za
osiguranje ivota, Posebnim uslovima osiguranja ivota za sluaj smrti, doivljenja ili
nastanka teke bolesti i Posebnim uslovima za osiguranje uveanih rizika kod osiguranja
ivota.
Kod odreivanja uslova za preuzimanje u osiguranje treba imati u vidu sledee:
Ako osiguranik ima vie polisa osiguranja ivota (riziko osiguranje, meovito
osiguranje), osigurane sume se sabiraju i sa stanovita preuzimanja u osiguranje
tretiraju kao jedna (zbirna) osigurana suma.
Pristupna starost
do 40 godina i osigurana
41-55 godina i
suma (EUR)
osigurana suma (EUR)
do 25.000
25.001-45.000
do 10.000
10.001-30.000
Vrsta pregleda
obrazac ponude
A
81
45.001-70.000
70.001-100.000
preko 100.000
30.001-50.000
50.001-70.000
preko 70.000
A+B*)
A+B+D*)
A+C+D+E*)
82
83
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
15
1,0047 1,0331 1,0623 1,0922 1,1228 1,1543 1,1865 1,2196 1,2534 1,2881 1,3236
16
1,0047 1,0331 1,0623 1,0922 1,1228 1,1542 1,1865 1,2195 1,2533 1,2880 1,3235 1,3598 1,3970 1,4350 1,4739 1,5137 1,5543 1,5957 1,6381 1,6813 1,7253 1,7702 1,8158 1
17
1,0047 1,0331 1,0622 1,0921 1,1228 1,1542 1,1864 1,2194 1,2532 1,2879 1,3233 1,3596 1,3968 1,4347 1,4736 1,5132 1,5538 1,5951 1,6373 1,6804 1,7242 1,7689 1,8144 1
18
1,0047 1,0331 1,0622 1,0921 1,1228 1,1542 1,1864 1,2194 1,2532 1,2878 1,3232 1,3594 1,3965 1,4344 1,4732 1,5128 1,5532 1,5944 1,6365 1,6794 1,7231 1,7675 1,8127 1
19
1,0047 1,0331 1,0622 1,0921 1,1228 1,1542 1,1863 1,2193 1,2531 1,2876 1,3230 1,3592 1,3963 1,4341 1,4728 1,5123 1,5526 1,5937 1,6356 1,6783 1,7218 1,7660 1,8110 1
20
1,0047 1,0331 1,0622 1,0921 1,1227 1,1541 1,1863 1,2192 1,2530 1,2875 1,3228 1,3590 1,3959 1,4337 1,4723 1,5117 1,5518 1,5928 1,6346 1,6771 1,7203 1,7643 1,8090 1
21
1,0047 1,0331 1,0622 1,0921 1,1227 1,1541 1,1862 1,2191 1,2528 1,2873 1,3226 1,3587 1,3956 1,4333 1,4717 1,5110 1,5510 1,5919 1,6334 1,6757 1,7187 1,7625 1,8068 1
22
1,0047 1,0331 1,0622 1,0921 1,1227 1,1540 1,1861 1,2190 1,2527 1,2871 1,3224 1,3584 1,3952 1,4328 1,4711 1,5103 1,5501 1,5908 1,6321 1,6742 1,7170 1,7604 1,8044 1
23
1,0047 1,0331 1,0622 1,0920 1,1226 1,1540 1,1861 1,2189 1,2525 1,2869 1,3221 1,3580 1,3947 1,4322 1,4705 1,5094 1,5492 1,5896 1,6308 1,6726 1,7150 1,7581 1,8018 1
24
1,0047 1,0331 1,0622 1,0920 1,1226 1,1539 1,1860 1,2188 1,2524 1,2867 1,3218 1,3576 1,3943 1,4316 1,4697 1,5085 1,5481 1,5883 1,6292 1,6708 1,7129 1,7556 1,7989 1
25
1,0047 1,0331 1,0622 1,0920 1,1225 1,1538 1,1858 1,2186 1,2521 1,2864 1,3214 1,3572 1,3937 1,4309 1,4689 1,5075 1,5469 1,5869 1,6275 1,6688 1,7106 1,7529 1,7957 1
26
1,0047 1,0331 1,0621 1,0919 1,1225 1,1537 1,1857 1,2184 1,2519 1,2861 1,3210 1,3567 1,3931 1,4302 1,4680 1,5064 1,5456 1,5853 1,6257 1,6666 1,7080 1,7499 1,7922 1
27
1,0047 1,0330 1,0621 1,0919 1,1224 1,1536 1,1856 1,2183 1,2517 1,2858 1,3206 1,3562 1,3924 1,4294 1,4670 1,5052 1,5441 1,5836 1,6237 1,6642 1,7052 1,7467 1,7884 1
28
1,0047 1,0330 1,0621 1,0919 1,1223 1,1535 1,1854 1,2180 1,2514 1,2854 1,3202 1,3556 1,3917 1,4285 1,4659 1,5039 1,5426 1,5818 1,6214 1,6616 1,7022 1,7431 1,7843 1
29
1,0047 1,0330 1,0621 1,0918 1,1222 1,1534 1,1852 1,2178 1,2510 1,2850 1,3196 1,3549 1,3909 1,4275 1,4647 1,5025 1,5408 1,5797 1,6190 1,6587 1,6988 1,7392 1,7798 1
30
1,0047 1,0330 1,0620 1,0917 1,1222 1,1533 1,1851 1,2175 1,2507 1,2846 1,3191 1,3542
31
1,0047 1,0330 1,0620 1,0917 1,1221 1,1531 1,1849 1,2173 1,2504 1,2841 1,3185 1,3535 1,3891 1,4253 1,4621 1,4993 1,5370 1,5752 1,6137 1,6525 1,6915 1,7307
32
33
1,0046 1,0330 1,0619 1,0916 1,1219 1,1528 1,1844 1,2167 1,2496 1,2831 1,3172 1,3519 1,3871 1,4228 1,4590 1,4956 1,5325 1,5698 1,6073 1,6451 1,6829 1,7207 1,7584 1
34
1,0046 1,0329 1,0619 1,0915 1,1217 1,1526 1,1842 1,2164 1,2491 1,2825 1,3164 1,3509 1,3859 1,4213 1,4572 1,4934
35
1,0046 1,0329 1,0618 1,0914 1,1216 1,1525 1,1839 1,2160 1,2486 1,2819 1,3156 1,3499 1,3846 1,4198 1,4553 1,4911 1,5272 1,5635 1,5999 1,6364 1,6728 1,7091 1,7451 1
36
1,0046 1,0329 1,0618 1,0913 1,1215 1,1523 1,1836 1,2156 1,2481 1,2812 1,3147 1,3488 1,3832 1,4181 1,4532 1,4886 1,5243
37
1,0046 1,0329 1,0617 1,0912 1,1213 1,1520 1,1833 1,2152 1,2476 1,2804 1,3138 1,3476 1,3817 1,4162 1,4510 1,4859 1,5210 1,5562 1,5913 1,6264 1,6612 1,6958 1,7299 1
38
1,0046 1,0328 1,0617 1,0911 1,1212 1,1518 1,1830 1,2147 1,2469 1,2796 1,3127 1,3462
39
1,0046 1,0328 1,0616 1,0910 1,1210 1,1515 1,1826 1,2142 1,2462 1,2787 1,3115 1,3447 1,3782 1,4119 1,4458 1,4797 1,5137 1,5476 1,5813 1,6147 1,6478 1,6804 1,7125 1
40
1,0046 1,0328 1,0616 1,0909 1,1208 1,1512 1,1822 1,2136 1,2454 1,2777 1,3102 1,3431 1,3762 1,4095 1,4429 1,4762 1,5096 1,5427 1,5757 1,6083 1,6404 1,6720 1,7030 1
Pristupna
starost
1,36 1,3972 1,4353 1,4743 1,5141 1,5548 1,5964 1,6388 1,6821 1,7263 1,7714 1,8173 1
1,39 1,4264 1,4634 1,5009 1,5390 1,5775 1,6164 1,6557 1,6952 1,7350 1,7750 1
1,77 1
1,25 1,2836 1,3179 1,3527 1,3882 1,4241 1,4606 1,4975 1,5349 1,5726 1,6106 1,6489 1,6873 1,7259 1,7644 1
10
11
12
13
1,38 1,4141 1,4485 1,4829 1,5175 1,5520 1,5865 1,6207 1,6547 1,6883 1,7215 1
14
15
16
17
18
19
20
21
22
23
24
84
osiguranika
41
1,0046 1,0327 1,0615 1,0908 1,1206 1,1509 1,1817 1,2129 1,2446 1,2765 1,3088 1,3414 1,3741 1,4069 1,4397 1,4725 1,5051 1,5376 1,5696 1,6013 1,6325 1,6630 1,6929
42
1,0046 1,0327 1,0614 1,0906 1,1203 1,1505 1,1812 1,2122 1,2436 1,2753 1,3073 1,3394 1,3717 1,4040 1,4363 1,4684 1,5004 1,5320 1,5632 1,5939 1,6241 1,6535
43
1,0045 1,0327 1,0613 1,0904 1,1201 1,1501 1,1806 1,2115 1,2426 1,2740 1,3056 1,3374 1,3692 1,4010 1,4326 1,4641 1,4953 1,5261 1,5564 1,5862 1,6153
44
45
46
1,0045 1,0325 1,0609 1,0898 1,1191 1,1487 1,1786 1,2087 1,2390 1,2694 1,2998 1,3302 1,3604 1,3904 1,4201 1,4493 1,4781 1,5062
47
1,0045 1,0324 1,0608 1,0896 1,1187 1,1481 1,1778 1,2077 1,2376 1,2677 1,2976 1,3275 1,3571 1,3864 1,4154 1,4438 1,4716
48
1,0045 1,0324 1,0607 1,0893 1,1183 1,1475 1,1770 1,2065 1,2362 1,2658 1,2953 1,3246 1,3536 1,3822 1,4104 1,4380
49
1,0044 1,0323 1,0605 1,0891 1,1179 1,1469 1,1761 1,2054 1,2346 1,2638 1,2928 1,3215 1,3499 1,3778 1,4052
50
1,0044 1,0322 1,0603 1,0888 1,1174 1,1462 1,1752 1,2041 1,2330 1,2617 1,2901 1,3183 1,3460 1,3732
51
1,0044 1,0321 1,0602 1,0885 1,1169 1,1455 1,1741 1,2027 1,2312 1,2594 1,2873 1,3148 1,3418
52
1,0043 1,0320
53
1,0043 1,0319 1,0598 1,0877 1,1158 1,1439 1,1719 1,1997 1,2272 1,2544 1,2811
54
1,0043 1,0318 1,0595 1,0874 1,1152 1,1430 1,1706 1,1980 1,2251 1,2517
55
1,18 1,2106 1,2415 1,2726 1,3038 1,3351 1,3664 1,3976 1,4287 1,4594 1,4898 1,5198 1,5491 1,5779
1,09 1,1194 1,1492 1,1793 1,2097 1,2403 1,2710 1,3019 1,3327 1,3635 1,3941 1,4245 1,4545 1,4841 1,5131 1,5415
1,06 1,0881 1,1164 1,1447 1,1730 1,2012 1,2292 1,2570 1,2843 1,3112
85
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
15
1,0047 1,0331 1,0622 1,0921 1,1227 1,1541 1,1862 1,2191 1,2528 1,2872 1,3224 1,3585 1,3953 1,4330 1,4715 1,5108 1,5509 1,5918 1,6335 1,6761 1,7194 1,7635 1,8084
16
1,0047 1,0331 1,0622 1,0920 1,1226 1,1540 1,1860 1,2189 1,2525 1,2869 1,3221 1,3580 1,3948 1,4324 1,4708 1,5099 1,5499 1,5907 1,6323 1,6746 1,7178 1,7617 1,8063
17
1,0047 1,0331 1,0622 1,0920 1,1225 1,1538 1,1859 1,2187 1,2522 1,2866 1,3217 1,3576 1,3943 1,4318
18
1,0047 1,0330 1,0621 1,0919 1,1225 1,1537 1,1857 1,2185 1,2520 1,2863 1,3214 1,3572 1,3938 1,4312 1,4694 1,5084 1,5481 1,5886 1,6299 1,6719 1,7146 1,7580 1,8020
19
1,0047 1,0330 1,0621 1,0919 1,1224 1,1537 1,1857 1,2184 1,2519 1,2861 1,3211 1,3569 1,3935 1,4308 1,4689 1,5078 1,5474 1,5878 1,6289 1,6707 1,7132 1,7563 1,8001
20
1,0047 1,0330 1,0621 1,0919 1,1224 1,1536 1,1856 1,2183 1,2517 1,2859 1,3209 1,3567 1,3932 1,4304 1,4684 1,5072 1,5467 1,5869 1,6279 1,6695 1,7117 1,7546 1,7980
21
1,0047 1,0330 1,0621 1,0919 1,1223 1,1535 1,1855 1,2182 1,2516 1,2858 1,3207 1,3564 1,3928
22
1,0047 1,0330 1,0621 1,0918 1,1223 1,1535 1,1854 1,2180 1,2514 1,2856 1,3204 1,3561 1,3924 1,4295 1,4673 1,5059 1,5451 1,5850 1,6255 1,6666 1,7083 1,7505 1,7931
23
1,0047 1,0330 1,0620 1,0918 1,1222 1,1534 1,1853 1,2179 1,2513 1,2854 1,3202 1,3558 1,3920 1,4290 1,4668 1,5051 1,5442 1,5839 1,6242 1,6650 1,7064 1,7482 1,7904
1,43 1,4679 1,5066 1,5459 1,5860 1,6267 1,6681 1,7101 1,7527 1,7957
86
24
1,0047 1,0330 1,0620 1,0918 1,1222 1,1534 1,1852 1,2178 1,2511 1,2852
25
1,0047 1,0330 1,0620 1,0917 1,1222 1,1533 1,1852 1,2177 1,2510 1,2850 1,3197 1,3551 1,3912 1,4280 1,4654 1,5035 1,5422 1,5814 1,6211 1,6613 1,7019 1,7428 1,7839
26
1,0046 1,0330 1,0620 1,0917 1,1221 1,1533 1,1851 1,2176 1,2509 1,2848 1,3194 1,3548 1,3907 1,4274 1,4647 1,5025 1,5410 1,5799 1,6193 1,6591 1,6992 1,7395 1,7801
27
1,0046 1,0330 1,0620 1,0917 1,1221 1,1532 1,1850 1,2175 1,2507 1,2845 1,3191 1,3543 1,3902 1,4267 1,4637 1,5014 1,5395 1,5782 1,6172 1,6565 1,6961 1,7358 1,7756
28
1,0046 1,0330 1,0620 1,0917 1,1220 1,1531 1,1849 1,2173 1,2504 1,2842 1,3187 1,3538 1,3895 1,4258 1,4627
29
1,0046 1,0330 1,0620 1,0916 1,1220 1,1530 1,1847 1,2171 1,2502 1,2839 1,3182 1,3532 1,3887 1,4248 1,4614 1,4985 1,5359 1,5737 1,6118 1,6501 1,6884 1,7267 1,7650
30
1,0046 1,0330 1,0619 1,0916 1,1219 1,1529 1,1846 1,2169 1,2499 1,2835 1,3177 1,3525 1,3878 1,4237
31
1,0046 1,0329 1,0619 1,0915 1,1218 1,1528 1,1844 1,2167 1,2495 1,2830 1,3171 1,3517 1,3868 1,4224 1,4584 1,4947 1,5313 1,5681 1,6050 1,6419 1,6788 1,7154 1,7517
32
1,0046 1,0329 1,0619 1,0915 1,1217 1,1526 1,1842 1,2163 1,2491 1,2824 1,3163 1,3507 1,3856 1,4208 1,4564 1,4923 1,5284 1,5646 1,6008 1,6370 1,6730 1,7086 1,7438
33
1,0046 1,0329 1,0618 1,0914 1,1216 1,1525 1,1839 1,2160 1,2486 1,2817 1,3154 1,3496 1,3841 1,4190 1,4542 1,4896 1,5251 1,5607 1,5962 1,6315 1,6665 1,7011 1,7351
34
1,0046 1,0329 1,0618 1,0913 1,1215 1,1522 1,1836 1,2155 1,2480 1,2810 1,3144 1,3483 1,3825 1,4170 1,4517 1,4865 1,5214 1,5563 1,5910 1,6253 1,6593 1,6928 1,7256
35
1,0046 1,0329 1,0617 1,0912 1,1213 1,1520 1,1833 1,2150 1,2473 1,2801 1,3133 1,3468 1,3806 1,4147 1,4489 1,4831 1,5173 1,5514 1,5852 1,6186 1,6515 1,6837 1,7152
36
1,0046 1,0328 1,0617 1,0911 1,1211 1,1517 1,1829 1,2145 1,2466 1,2791 1,3120 1,3451 1,3786 1,4121 1,4457 1,4793 1,5128 1,5460 1,5788 1,6112 1,6429 1,6738 1,7039
37
1,0046 1,0328 1,0616 1,0910 1,1209 1,1514 1,1824 1,2139 1,2457 1,2780 1,3105 1,3433 1,3762 1,4092 1,4422 1,4751 1,5078
38
1,0046 1,0328 1,0615 1,0908 1,1207 1,1511 1,1819 1,2131 1,2448 1,2767 1,3089 1,3412 1,3736 1,4061 1,4384 1,4705 1,5022 1,5335 1,5642 1,5943 1,6235 1,6517 1,6790
39
1,0046 1,0327 1,0614 1,0907 1,1204 1,1507 1,1813 1,2123 1,2436 1,2752 1,3070 1,3389 1,3707 1,4025 1,4341 1,4653 1,4962 1,5264 1,5560 1,5848 1,6126 1,6395 1,6653
40
1,0046 1,0327 1,0613 1,0905 1,1201 1,1502 1,1806 1,2114 1,2424 1,2736 1,3049 1,3363 1,3675 1,3986 1,4293 1,4597 1,4895 1,5187 1,5470 1,5745 1,6011 1,6265 1,6509
Pristupna
starost
osiguranika
10
11
1,32 1,3554 1,3916 1,4285 1,4661 1,5043 1,5432 1,5827 1,6227 1,6632 1,7042 1,7456 1,7873
12
13
14
15
16
17
18
19
20
21
22
23
24
41
1,0045 1,0326 1,0612 1,0903 1,1198 1,1496 1,1799 1,2103 1,2410 1,2718 1,3026 1,3334 1,3640 1,3943 1,4242 1,4536 1,4824 1,5104 1,5375 1,5637 1,5889 1,6130 1,6358
42
43
1,0045 1,0325 1,0609 1,0897 1,1189 1,1484 1,1780 1,2079 1,2377 1,2676 1,2973 1,3268 1,3559 1,3845 1,4125 1,4398 1,4664 1,4920 1,5166 1,5402 1,5626
44
1,0045 1,0324 1,0607 1,0894 1,1184 1,1476 1,1770 1,2064 1,2358 1,2651 1,2942 1,3230 1,3513 1,3790 1,4060 1,4322 1,4576 1,4820 1,5053 1,5275
45
1,0044 1,0323 1,0605 1,0890 1,1178 1,1468 1,1758 1,2049 1,2338 1,2626 1,2910 1,3190 1,3464 1,3732 1,3992 1,4243 1,4485 1,4717 1,4938
46
1,0044 1,0322 1,0603 1,0887 1,1173 1,1460 1,1747 1,2033 1,2317 1,2598 1,2876 1,3148 1,3413 1,3671 1,3921 1,4161 1,4392 1,4611
47
1,0044 1,0321 1,0601 1,0883 1,1167 1,1450 1,1734 1,2015 1,2294 1,2569 1,2839 1,3102 1,3358 1,3607 1,3846 1,4075 1,4294
48
1,0043 1,0320 1,0599 1,0879 1,1159 1,1440 1,1719 1,1995 1,2268 1,2536 1,2798 1,3053
49
1,0043 1,0318 1,0596 1,0874 1,1151 1,1428 1,1703 1,1974 1,2240 1,2501 1,2754 1,3001 1,3238 1,3466 1,3684
50
1,0042 1,0317 1,0593 1,0868 1,1143 1,1416 1,1685 1,1951 1,2210 1,2464 1,2709 1,2947 1,3175 1,3393
51
1,0042 1,0315 1,0589 1,0862 1,1134 1,1402 1,1667 1,1926 1,2179 1,2425 1,2663 1,2891 1,3110
52
53
1,0041 1,0312 1,0582 1,0849 1,1113 1,1373 1,1627 1,1874 1,2113 1,2344 1,2564
54
1,0040 1,0310 1,0577 1,0842 1,1102 1,1357 1,1605 1,1846 1,2078 1,2301
55
1,09 1,1194 1,1490 1,1790 1,2092 1,2395 1,2698 1,3001 1,3303 1,3601 1,3896 1,4186 1,4470 1,4746 1,5015 1,5274 1,5523 1,5761 1,5987
87
88
TaRIFA II
TARIFA PREMIJA OSIGURANJA KAPITALA ZA PUNOLETSTVO DETETA
Osnovne odredbe
1.
2.
Ako osigurano dete doivi ugovoreni rok isplate osigurane sume, isplauje mu se
ugovorena osigurana suma i dobit ostvarena u toku trajanja osiguranja.
3.
4.
5.
89
- 0 godina
- 57 godina
- 10 godina
- 20 godina
Trajanje osiguranja:
- Fiksno odreeno: u godini u kojoj dete puni 18 godina.
2.000 EUR
200.000 EUR
- u skladu sa tabelom za
prihvat u osiguranje
90
,
S zx
,n
Uee u dobiti
Osiguranik, odnosno korisnik osiguranja ima pravo na uee u dobiti u skladu sa
uslovima osiguranja.
Uslovi za preuzimanje u osiguranje
Sposobnost za zakljuivanje osiguranja utvruje se u skladu sa Optim uslovima za
osiguranje ivota, Dopunskim uslovima za osiguranje kapitala za punoletstvo deteta i
Posebnim uslovima za osiguranje uveanih rizika kod osiguranja ivota.
Kod odreivanja uslova za preuzimanje u osiguranje treba imati u vidu da je uz
osiguranje ivota deteta (osiguranje za doivljenje) pokriven rizik smrti ugovaraa
osiguranja tako da ukoliko ugovara osiguranja ima vie polisa osiguranja ivota kao
osigurano lice (riziko osiguranje, meovito osiguranje), osigurane sume se sabiraju i sa
stanovita preuzimanja u osiguranje tretiraju kao jedna (zbirna) osigurana suma. Prilikom
prihvata rizika u osiguranje bitno je zdravstveno stanje ugovaraa osiguranja.
Pristupna starost
do 45 godina i osigurana
46-55 godina i
56 i 57 godina i
suma (EUR)
osigurana suma (EUR) osigurana suma (EUR)
do 30.000
do 15.000
do 10.000
30.001-50.000
15.001-37.500
10.001-25.000
50.001-75.000
37.501-50.000
25.001-37.500
75.001-100.000
50.001-75.000
37.501-50.000
preko 100.000
preko 75.000
preko 50.000
Vrsta pregleda
obrazac ponude
A
A+B*)
A+B+D*)
A+C+D+E*)
91
92
10
20
21
22
23
24
25
26
27
21,5221 20,0179 18,5540 17,1305 15,7464 14,4009 13,0931 11,8219 10,5864 9,3858
28
21,5077 20,0063 18,5445 17,1229 15,7404 14,3962 13,0894 11,8191 10,5843 9,3843 8,2180
29
21,4898 19,9917 18,5327 17,1132 15,7326 14,3900 13,0845 11,8153 10,5814 9,3821 8,2164
30
21,4699 19,9753 18,5195 17,1027 15,7242 14,3834 13,0793 11,8113 10,5784 9,3799 8,2149
31
21,4473 19,9568 18,5045 17,0908 15,7148 14,3759 13,0736 11,8070 10,5753 9,3776 8,2133
32
21,4200 19,9342 18,4859 17,0757 15,7028 14,3665 13,0662 11,8013 10,5709 9,3744 8,2110
33
21,3883 19,9077 18,4640 17,0578 15,6884 14,3551 13,0573 11,7943 10,5656 9,3705 8,2081
34
21,3519 19,8771 18,4386 17,0369 15,6714 14,3416 13,0467 11,7861 10,5593 9,3657 8,2046
35
21,3111 19,8427 18,4099 17,0132 15,6521 14,3260 13,0344 11,7767 10,5521 9,3603 8,2007
36
21,2656 19,8042 18,3776 16,9864 15,6302 14,3083 13,0204 11,7658 10,5440 9,3543 8,1963
37
21,2149 19,7612 18,3415 16,9563 15,6055 14,2883 13,0044 11,7533 10,5344 9,3473 8,1913
38
21,1577 19,7124 18,3003 16,9219 15,5769 14,2650 12,9857 11,7385 10,5230 9,3387 8,1851
39
21,0946 19,6585 18,2546 16,8835 15,5450 14,2388 12,9645 11,7217 10,5099 9,3288 8,1779
40
21,0247 19,5985 18,2034 16,8404 15,5090 14,2091 12,9403 11,7024 10,4948 9,3172 8,1693
41
20,9492 19,5336 18,1481 16,7936 15,4699 14,1768 12,9140 11,6812 10,4782 9,3045 8,1598
42
20,8667 19,4624 18,0872 16,7419 15,4265 14,1409 12,8846 11,6575 10,4594 9,2900 8,1490
43
20,7781 19,3859 18,0216 16,6863 15,3797 14,1019 12,8527 11,6317 10,4390 9,2741 8,1370
44
20,6810 19,3017 17,9493 16,6245 15,3276 14,0584 12,8167 11,6026 10,4157 9,2559 8,1231
45
20,5807 19,2148 17,8746 16,5610 15,2740 14,0137 12,7800 11,5728 10,3920 9,2375 8,1092
46
20,4767 19,1249 17,7974 16,4953 15,2188 13,9678 12,7424 11,5424 10,3680 9,2190 8,0953
47
20,3646 19,0278 17,7139 16,4241 15,1587 13,9177 12,7011 11,5091 10,3415 9,1984 8,0798
48
20,2450 18,9242 17,6247 16,3479 15,0943 13,8638 12,6567 11,4730 10,3128 9,1761 8,0629
49
20,1173 18,8140 17,5299 16,2670 15,0258 13,8065 12,6094 11,4346 10,2821 9,1522 8,0448
50
19,9825 18,6977 17,4304 16,1822 14,9540 13,7465 12,5598 11,3943 10,2500 9,1272 8,0260
51
19,8380 18,5734 17,3239 16,0918 14,8777 13,6826 12,5070 11,3513 10,2157 9,1004 8,0056
52
19,6819 18,4389 17,2089 15,9941 14,7955 13,6139 12,4501 11,3049 10,1785 9,0713 7,9835
53
18,2960 17,0869 15,8908 14,7087 13,5417 12,3906 11,2564 10,1397 9,0409 7,9603
54
55
56
57
9,9595
8,9006 7,8538
93
- 0 godina
- 10 godina
94
- 20 godina
- 57 godina
Trajanje osiguranja:
2.000 EUR
200.000 EUR
- u skladu sa tabelom za
prihvat u osiguranje
95
,
S zx
,n
Uee u dobiti
Osiguranik, odnosno korisnik osiguranja ima pravo na uee u dobiti u skladu sa
uslovima osiguranja.
Uslovi za preuzimanje u osiguranje
Sposobnost za zakljuivanje osiguranja utvruje se u skladu sa Optim uslovima za
osiguranje ivota, Posebnim uslovima za osiguranje kapitala za punoletstvo deteta i
Posebnim uslovima za osiguranje uveanih rizika kod osiguranja ivota.
Kod odreivanja uslova za preuzimanje u osiguranje treba imati u vidu da je uz
osiguranje ivota deteta (osiguranje za doivljenje) pokriven rizik smrti ugovaraa
osiguranja tako da ukoliko ugovara osiguranja ima vie polisa osiguranja ivota kao
osigurano lice (riziko osiguranje, meovito osiguranje), osigurane sume se sabiraju i sa
stanovita preuzimanja u osiguranje tretiraju kao jedna (zbirna) osigurana suma. Prilikom
prihvata rizika u osiguranje bitno je zdravstveno stanje ugovaraa osiguranja.
Pristupna starost
do 45 godina i osigurana
46-55 godina i
56 i 57 godina i
suma (EUR)
osigurana suma (EUR) osigurana suma (EUR)
do 30.000
do 15.000
do 10.000
30.001-50.000
15.001-37.500
10.001-25.000
50.001-75.000
37.501-50.000
25.001-37.500
75.001-100.000
50.001-75.000
37.501-50.000
preko 100.000
preko 75.000
preko 50.000
Vrsta pregleda
obrazac ponude
A
A+B*)
A+B+D*)
A+C+D+E*)
96
97
20
21
22
10
23
24
25
26
27
23,0710 21,5244 20,0190 18,5548 17,1311 15,7469 14,4013 13,0933 11,8221 10,5866
28
23,0533 21,5101 20,0073 18,5453 17,1235 15,7409 14,3966 13,0896 11,8192 10,5845 9,3844
29
23,0316 21,4921 19,9927 18,5335 17,1138 15,7331 14,3904 13,0848 11,8154 10,5815 9,3822
30
23,0075 21,4722 19,9764 18,5203 17,1033 15,7247 14,3837 13,0796 11,8115 10,5786 9,3800
31
22,9803 21,4496 19,9578 18,5053 17,0914 15,7153 14,3763 13,0739 11,8072 10,5754 9,3777
32
22,9477 21,4223 19,9352 18,4867 17,0763 15,7033 14,3669 13,0665 11,8015 10,5710 9,3745
33
22,9101 21,3906 19,9087 18,4648 17,0584 15,6889 14,3555 13,0576 11,7945 10,5657 9,3705
34
22,8671 21,3542 19,8781 18,4394 17,0375 15,6719 14,3419 13,0470 11,7863 10,5594 9,3658
35
22,8191 21,3133 19,8436 18,4106 17,0138 15,6525 14,3263 13,0347 11,7768 10,5522 9,3604
36
22,7657 21,2678 19,8051 18,3783 16,9870 15,6307 14,3087 13,0206 11,7660 10,5441 9,3543
37
22,7065 21,2171 19,7621 18,3422 16,9569 15,6059 14,2887 13,0046 11,7534 10,5345 9,3474
38
22,6399 21,1599 19,7134 18,3010 16,9224 15,5773 14,2653 12,9859 11,7386 10,5231 9,3387
39
22,5667 21,0968 19,6594 18,2553 16,8840 15,5454 14,2391 12,9647 11,7218 10,5100 9,3289
40
22,4858 21,0269 19,5994 18,2041 16,8409 15,5095 14,2094 12,9405 11,7025 10,4949 9,3173
41
22,3987 20,9513 19,5344 18,1487 16,7941 15,4703 14,1771 12,9142 11,6813 10,4783 9,3045
42
22,3036 20,8688 19,4632 18,0878 16,7425 15,4269 14,1412 12,8848 11,6576 10,4595 9,2900
43
22,2017 20,7802 19,3867 18,0222 16,6868 15,3801 14,1022 12,8529 11,6319 10,4390 9,2742
44
22,0905 20,6831 19,3026 17,9499 16,6250 15,3280 14,0587 12,8169 11,6027 10,4157 9,2559
45
21,9754 20,5827 19,2156 17,8752 16,5614 15,2744 14,0140 12,7802 11,5729 10,3921 9,2376
46
21,8559 20,4787 19,1256 17,7979 16,4958 15,2191 13,9680 12,7425 11,5426 10,3681 9,2190
47
21,7272 20,3666 19,0285 17,7144 16,4245 15,1590 13,9179 12,7012 11,5092 10,3415 9,1984
48
21,5895 20,2469 18,9249 17,6252 16,3483 15,0946 13,8641 12,6569 11,4731 10,3129 9,1761
49
21,4425 20,1192 18,8146 17,5304 16,2674 15,0261 13,8067 12,6095 11,4346 10,2821 9,1522
50
21,2869 19,9844 18,6983 17,4308 16,1825 14,9543 13,7467 12,5599 11,3944 10,2501 9,1272
51
21,1201 19,8399 18,5739 17,3243 16,0921 14,8779 13,6828 12,5071 11,3513 10,2157 9,1004
52
19,6837 18,4394 17,2093 15,9944 14,7957 13,6140 12,4502 11,3049 10,1785 9,0713
53
54
55
56
57
9,9594
8,9006
TARIFA III
98
TARIFNA GRUPA TT +
Osiguranje ivota za sluaj smrti osiguranika u toku ugovorenog trajanja
osiguranja, za jedno lice, ako je ugovoreno plaanje premije osiguranja u godinjim
i ispodgodinjim ratama
Osnovne odredbe
1. Premija osiguranja se plaa do isteka ugovorenog trajanja osiguranja, a u sluaju
smrti osiguranika u toku ugovorenog trajanja osiguranja poslednji put za godinu u kojoj
je nastupila smrt osiguranika.
2. U sluaju smrti osiguranika u toku ugovorenog trajanja osiguranja, korisniku
osiguranja isplauje se:
(1) Ako je osiguranje zakljueno bez lekarskog pregleda, a osiguranik umre zbog
bolesti u prvih est meseci od poetka osiguranja, korisniku osiguranja se isplauje 50%
od ugovorene osigurane sume, a ukoliko osiguranik umre po isteku est meseci od
poetka osiguranja, korisniku se isplauje ugovorena osigurana suma.
(2) Ako je osiguranje zakljueno sa lekarskim pregledom, korisniku se isplauje
ugovorena osigurana suma, bez obzira na proteklo vreme od poetka osiguranja do smrti
osiguranika.
3. Osiguranik, odnosno korisnik osiguranja nema pravo na uee u dobiti.
4. Ako osiguranik doivi istek osiguranja, osiguranje prestaje i ne postoji obaveza
osiguravaa.
5. Premija osiguranja i osigurane sume mogu se ugovarati i plaati u devizama, ili
ugovarati u stranoj valuti i plaati u dinarskoj protivvrednosti po srednjem kursu Narodne
banke Srbije na dan plaanja.
99
15 godina
65 godina
70 godina
Trajanje osiguranja:
- 2 godine
- 30 godina
2.000 EUR
200.000 EUR
- u skladu sa tabelom za
prihvat u osiguranje
100
U tabelama Tarife date su osigurane sume za jedinicu godinje premije osiguranja, koju
emo obeleiti sa S x, , n koje zavise od pola, pristupne starosti i trajanja osiguranja.
Osigurana suma i godinja premija izraunavaju se na sledei nain:
Osigurana suma = eljena premija x
S x, ,n
Uee u dobiti
Osiguranik, odnosno korisnik osiguranja nema pravo na uee u dobiti.
Uslovi za preuzimanje u osiguranje
Sposobnost za zakljuivanje osiguranja utvruje se u skladu sa Optim uslovima za
osiguranje ivota i Posebnim uslovima za osiguranje uveanih rizika kod osiguranja
ivota.
Kod odreivanja uslova za preuzimanje u osiguranje treba imati u vidu sledee:
Ako osiguranik ima vie polisa osiguranja ivota (riziko osiguranje, meovito
osiguranje), osigurane sume se sabiraju i sa stanovita preuzimanja u osiguranje
tretiraju kao jedna (zbirna) osigurana suma.
Pristupna starost
do 45 godina i osigurana
46-55 godina i
56-65 godina i
suma (EUR)
osigurana suma (EUR) osigurana suma (EUR)
do 30.000
do 15.000
do 10.000
30.001-50.000
15.001-37.500
10.001-25.000
50.001-75.000
37.501-50.000
25.001-37.500
75.001-100.000
50.001-75.000
37.501-50.000
preko 100.000
preko 75.000
preko 50.000
Vrsta pregleda
obrazac ponude
A
A+B*)
A+B+D*)
A+C+D+E*)
101
102
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
15
428,0838 425,0027 421,8220 420,7987 419,4151 418,7289 417,2016 415,8025 414,8856 413,4485 411,9512 410,4164 409,3656 407,3064 404,3711 402,0143 399,4199 396,8909 393,8295 390,4920 386,8855 383,3709 379,5174 375,3589 370,9751 366,2214 361,0024 355,7276 349,8496
16
419,8541 417,2811 417,0804 416,1146 415,8191 414,4456 413,1743 412,4082 411,0350 409,5813 408,0763 407,0877 405,0026 401,9793 399,5814 396,9338 394,3588 391,2242 387,8045 384,1087 380,5161 376,5749 372,3223 367,8427 362,9869 357,6575 352,2798 346,2892 339,7640
17
415,3726 415,7178 414,8235 414,7077 413,2602 411,9466 411,2138 409,7897 408,2829 406,7263 405,7398 403,5591 400,3757 397,8829 395,1320 392,4682 389,2176 385,6754 381,8525 378,1490 374,0888 369,7123 365,1089 360,1238 354,6576 349,1534 343,0263 336,3608 329,6784
18
414,1759 413,4697 413,6460 412,0901 410,7225 410,0357 408,5495 406,9805 405,3651 404,3843 402,0954 398,7312 396,1351 393,2727 390,5149 387,1409 383,4691 379,5127 375,6941 371,5106 367,0063 362,2761 357,1589 351,5535 345,9213 339,6568 332,8503 326,0413 318,9651
19
414,2423 414,2315 412,1143 410,4443 409,6747 408,0004 406,2745 404,5270 403,5084 401,0512 397,4425 394,7026 391,6925 388,8117 385,2846 381,4563 377,3417 373,3885 369,0629 364,4136 359,5407 354,2771 348,5184 342,7468 336,3335 329,3754 322,4316 315,2283 307,8462
20
413,0850 410,6049 408,8590 408,2247 406,4776 404,6864 402,8824 401,9026 399,3180 395,4886 392,6390 389,5105 386,5354 382,8780 378,9142 374,6609 370,5926 366,1433 361,3662 356,3678 350,9736 345,0777 339,1828 332,6369 325,5437 318,4817 311,1681 303,6864 296,3660
21
409,8792 407,7592 407,2200 405,2903 403,3632 401,4546 400,5022 397,7429 393,6355 390,6506 387,3813 384,2963 380,4904 376,3745 371,9683 367,7751 363,1927 358,2794 353,1481 347,6173 341,5782 335,5559 328,8738 321,6427 314,4613 307,0374 299,4573 292,0574 284,7671
22
404,4661 404,8037 402,9540 401,0676 399,1828 398,3832 395,4995 391,1359 388,0581 384,6824 381,5214 377,5925 373,3468 368,8076 364,5107 359,8140 354,7819 349,5347 343,8833 337,7167 331,5831 324,7801 317,4269 310,1421 302,6245 294,9625 287,4997 280,1616 273,0594
23
404,4344 402,0569 399,8877 397,8255 397,0930 393,9361 389,1673 385,9207 382,3750 379,0919 374,9918 370,5749 365,8667 361,4388 356,6027 351,4290 346,0461 340,2558 333,9446 327,6859 320,7491 313,2616 305,8646 298,2458 290,4961 282,9665 275,5784 268,4429 261,3637
24
401,3611 398,6616 396,3521 395,7417 392,2361 386,9734 383,5497 379,8281 376,4272 372,1528 367,5623 362,6844 358,1303 353,1586 347,8473 342,3335 336,4092 329,9582 323,5810 316,5168 308,9023 301,4016 293,6908 285,8634 278,2777 270,8504 263,6925 256,6022 249,5023
25
395,1710 393,2097 393,1906 389,4489 383,7304 380,2390 376,4254 372,9842 368,5897 363,8722 358,8654 354,2257 349,1537 343,7365 338,1216 332,0907 325,5256 319,0555 311,8881 304,1704 296,5895 288,8100 280,9279 273,3083 265,8631 258,7032 251,6214 244,5387 237,5911
26
391,1690 391,8009 387,4200 380,9120 377,2654 373,2901 369,7697 365,2065 360,3214 355,1526 350,4070 345,2152 339,6751 333,9446 327,7943 321,1035 314,5322 307,2538 299,4263 291,7617 283,9114 275,9740 268,3215 260,8607 253,7018 246,6319 239,5700 232,6530 225,9612
27
391,1096 385,4393 377,7504 373,9657 369,8392 366,2699 361,5403 356,4910 351,1648 346,3267 341,0250 335,3707 329,5340 323,2729 316,4639 309,8014 302,4212 294,4930 286,7555 278,8459 270,8652 263,1923 255,7284 248,5828 241,5369 234,5073 227,6319 220,9902 214,5623
28
383,5173 373,8690 370,0720 365,8656 362,3276 357,4590 352,2675 346,8035 341,9009 336,5107 330,7598 324,8339 318,4768 311,5633 304,8246 297,3559 289,3406 281,5448 273,5909 265,5820 257,9039 250,4518 243,3338 236,3255 229,3415 222,5201 215,9404 209,5805 203,1615
29
364,5290 362,5471 359,1562 356,2238 351,5595 346,4744 341,0635 336,2570 330,9054 325,1638 319,2394 312,8648 305,9158 299,1641 291,6643 283,6151 275,8106 267,8586 259,8647 252,2212 244,8178 237,7611 230,8214 223,9118 217,1710 210,6774 204,4077 198,0818 191,9787
30
356,7881 354,1517 351,6979 346,9879 341,8065 336,2864 331,4676 326,0552 320,2357 314,2391 307,7809 300,7361 293,9231 286,3463 278,2214 270,3748 262,3960 254,3926 246,7643 239,3931 232,3846 225,5022 218,6567 211,9876 205,5725 199,3865 193,1473 187,1346 180,9098
31
353,6202 350,4843 344,8466 339,0155 333,0101 327,9451 322,2798 316,2265 310,0336 303,3861 296,1531 289,2072 281,4875 273,2287 265,2942 257,2497 249,2042 241,5651 234,2052 227,2275 220,3876 213,5932 206,9848 200,6386 194,5279 188,3677 182,4387 176,3008 170,1045
32
346,4478 340,2695 334,1293 327,9145 322,8579 317,1264 310,9885 304,7253 297,9948 290,6654 283,6708 275,8826 267,5582 259,5995 251,5480 243,5150 235,9148 228,6114 221,7056 214,9455 208,2365 201,7197 195,4706 189,4607 183,4031 177,5790 171,5481 165,4616 159,7012
33
335,9911 329,2401 322,7164 317,6946 311,8905 305,6586 299,3220 292,5037 285,0722 278,0326 270,1767 261,7883 253,8121 245,7620 237,7505 230,1999 222,9639 216,1408 209,4706 202,8564 196,4400 190,2960 184,3941 178,4458 172,7327 166,8141 160,8422 155,1972 149,7760
34
321,9666 315,7691 311,2567 305,6288 299,4650 293,1774 286,3624 278,8993 271,8810 264,0104 255,6048 247,6562 239,6484 231,6964 224,2304 217,0934 210,3816 203,8270 197,3306 191,0353 185,0150 179,2379 173,4138 167,8251 162,0313 156,1853 150,6657 145,3689 140,1167
35
309,7137 305,7220 300,1042 293,8630 287,5204 280,6196 273,0478 266,0034 258,0716 249,6092 241,6634 233,6789 225,7722 218,3819 211,3382 204,7339 198,2921 191,9110 185,7348 179,8366 174,1828 168,4814 163,0157 157,3449 151,6230 146,2272 141,0532 135,9238 130,9622
36
300,6284 294,8658 288,4252 281,9637 274,9239 267,1993 260,1164 252,1063 243,5746 235,6314 227,6735 219,8177 212,5117 205,5705 199,0834 192,7630 186,5048 180,4545 174,6847 169,1598 163,5859 158,2474 152,7031 147,1082 141,8388 136,7899 131,7850 126,9463 122,0959
37
290,5222 283,4265 276,6598 269,3614 261,3998 254,2514 246,1328 237,5105 229,5673 221,6374 213,8376 206,6247 199,7956 193,4355 187,2452 181,1176 175,2002 169,5649 164,1743 158,7324 153,5251 148,1104 142,6451 137,5043 132,5823 127,7035 122,9890 118,2625 113,6025
38
276,4929 269,9044 262,6190 254,5984 247,5542 239,4423 230,8229 222,9681 215,1421 207,4639 200,4022 193,7355 187,5457 181,5228 175,5577 169,8010 164,3243 159,0890 153,7973 148,7371 143,4663 138,1434 133,1421 128,3568 123,6124 119,0295 114,4335 109,9024 105,3701
39
263,2997 255,9418 247,7835 240,8610 232,7346 224,1017 216,3438 208,6311 201,0849 194,1878 187,6962 181,6885 175,8425 170,0475 164,4575 159,1445 154,0688 148,9304 144,0197 138,8943 133,7144 128,8535 124,2051 119,5953 115,1437 110,6777 106,2747 101,8698
97,5949
40
249,3120 240,8636 234,1154 225,9521 217,2910 209,6496 202,0683 194,6719 187,9594 181,6608 175,8512 170,1947 164,5791 159,1636 154,0209 149,1098 144,1284 139,3702 134,3919 129,3563 124,6366 120,1256 115,6505 111,3302 106,9938 102,7182
98,4398
94,2888
90,2639
41
233,1634 226,9287 218,7974 210,1537 202,7041 195,3114 188,1109 181,6253 175,5544 169,9719 164,5272 159,1086 153,8815 148,9205 144,1834 139,3662 134,7664 129,9395 125,0514 120,4755 116,1042 111,7653 107,5774 103,3712 99,2234
95,0715
91,0441
87,1399
42
219,8511 211,6581 202,9771 195,7553 188,5736 181,5869 175,3493 169,5232 164,1816 158,9579 153,7411 148,7056 143,9282 139,3663 134,7127 130,2704 125,5929 120,8497 116,4153 112,1813 107,9762 103,9182 99,8395
95,8168
91,7885
87,8821
84,0960
43
205,3258 196,1914 189,1290 182,1101 175,3061 169,3065 163,7180 158,6128 153,6026 148,5782 143,7252 139,1235 134,7291 130,2308 125,9383 121,4017 116,7951 112,4951 108,3921 104,3144 100,3806 96,4237
92,5206
88,6107
84,8202
81,1475
44
187,6346 181,4081 174,8920 168,4808 162,8728 157,6302 152,8411 148,1015 143,3112 138,6727 134,2718 130,0651 125,7374 121,6073 117,2212 112,7588 108,5998 104,6330 100,6872 96,8809
93,0486
89,2673
85,4774
81,8040
78,2455
45
174,4588 168,3630 162,2504 156,9847 152,0438 147,5347 143,0285 138,4350 133,9785 129,7510 125,7079 121,5273 117,5393 113,2833 108,9460 104,9118 101,0672 97,2402
86,1613
82,4817
78,9167
75,4644
93,5498
89,8311
103
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
72,8028
46
163,0783 156,9047 151,8339 147,0937 142,7949 138,4592 134,0058 129,6849 125,5933 121,6825 117,6196 113,7488 109,5985 105,3642 101,4366 97,6984
93,9758
90,3886
86,7715
83,2024
79,6230
76,1572
47
150,9736 146,3796 141,9838 137,9847 133,8665 129,5781 125,4103 121,4683 117,7002 113,7603 110,0114 105,9684 101,8375 98,0176
94,3869
90,7691
87,2853
83,7697
80,3008
76,8210
73,4536
70,1963
48
141,4188 137,3476 133,6206 129,6699 125,4951 121,4406 117,6188 113,9697 110,1293 106,4834 102,5282 98,4833
94,7576
91,2232
87,7000
84,3107
80,8882
77,5119
74,1245
70,8492
67,6832
49
133,4875 129,8876 125,9782 121,8175 117,8110 114,0657 110,5034 106,7321 103,1662 99,2760
95,2971
91,6511
88,2011
84,7621
81,4584
78,1206
74,8294
71,5275
68,3382
65,2580
50
96,0531
92,1403
88,5761
85,2133
81,8603
78,6440
75,3921
72,1871
68,9712
65,8683
62,8742
51
92,8881
89,0366
85,5534
82,2779
79,0107
75,8817
72,7153
69,5957
66,4651
63,4478
60,5391
52
93,3796
89,6867
85,9062
82,5151
79,3367
76,1631
73,1280
70,0522
67,0222
63,9803
61,0515
58,2306
53
102,9919 99,8484
96,8319
93,3807
90,1998
86,5663
82,8464
79,5446
76,4624
73,3807
70,4383
67,4512
64,5090
61,5537
58,7117
55,9770
54
96,6748
93,7918
90,3449
87,2326
83,6144
79,9234
76,6955
73,6996
70,7009
67,8443
64,9392
62,0791
59,2050
56,4452
53,7927
55
90,9863
87,4315
84,3646
80,7251
77,0428
73,8875
70,9801
68,0652
65,2956
62,4726
59,6942
56,9007
54,2228
51,6522
56
84,4027
81,4260
77,7549
74,0868
71,0279
68,2301
65,4133
62,7423
60,0092
57,3188
54,6107
52,0186
49,5331
57
78,2352
74,5751
70,9645
68,0582
65,4109
62,7179
60,1648
57,5346
54,9419
52,3262
49,8258
47,4300
58
71,6696
67,9981
65,2363
62,7355
60,1550
57,7104
55,1721
52,6673
50,1350
47,7189
45,4068
59
64,4929
62,1246
59,8953
57,4894
55,1933
52,7705
50,3702
47,9328
45,6103
43,3892
60
59,4607
57,4624
55,1611
52,9631
50,6100
48,2786
45,9068
43,6555
41,5077
61
55,5970
53,2232
51,0332
48,6826
46,3753
44,0356
41,8328
39,7417
62
51,1427
49,0006
46,6701
44,4055
42,1126
39,9726
37,9505
63
46,8458
44,5691
42,3747
40,1463
38,0857
36,1456
64
42,6024
40,4384
38,2513
36,2628
34,4011
65
38,3646
36,2679
34,3901
32,6322
25
26
27
28
29
104
30
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
10
11
12
13
14
15
16
17
18
403,5201
387,7598
370,7455
359,9768
352,3992
347,1846
341,5059
376,1866
358,0601
348,1372
341,5929
337,3688
332,3578
328,2310
341,3096
334,0730
329,5603
326,9127
322,8664
319,5231
322,5879
320,4122
319,3359
315,9979
313,2242
317,9311
317,2883
313,5896
310,7066
315,9509
311,4222
308,3237
309,1035
305,7098
300,6105
294,3543
19
20
21
22
23
24
25
336,7895
332,1195
327,9670
324,6872
322,0536
319,6041
316,7520
314,3669
312,3551
310,3823
308,1101 305,6991 303,0245 299,9638 296,6103 293,0419 289,2641 284,8876 280,2628 275,4533 270,3315
264,3784
324,0259
320,2820
317,3889
315,1120
312,9723
310,3662
308,2133
306,4184
304,6370
302,5237
300,2493 297,6888 294,7197 291,4417 287,9370 284,2136 279,8754 275,2829 270,5029 265,4064 259,4689
252,9313
315,9013
312,6474
310,2042
308,3323
306,5366
304,1961
302,2913
300,7258
299,1448
297,1938
295,0567
292,6085 289,7265 286,5179 283,0702 279,3936 275,0846 270,5156 265,7560 260,6758 254,7436 248,2087
241,5593
309,9745
307,0361
304,9099
303,3359
301,7874
299,6136
297,8753
296,4706
295,0261
293,1741
291,1140
288,7186
285,8647 282,6677 279,2216 275,5388 271,2047 266,6069 261,8183 256,7063 250,7295 244,1474 237,4603
230,9052
307,3000
304,2895
302,2052
300,7205
299,2429
297,0679
295,3618
294,0075
292,6013
290,7533
288,6817
286,2550
283,3466
280,0824 276,5634 272,8042 268,3741 263,6805 258,7997 253,5955 247,5119 240,8215 234,0401 227,4096
220,7488
304,6774
301,5684
299,5396
298,1663
296,7727
294,5927
292,9218
291,6235
290,2584
288,4119
286,3246
283,8600
280,8886
277,5483
273,9478 270,1042 265,5691 260,7716 255,7922 250,4900 244,2935 237,4893 230,6102 223,9025 217,1791
210,2311
301,7739
298,5921
296,6853
295,4864
294,2175
292,0447
290,4268
289,2025
287,8913
286,0511
283,9497
281,4460
278,4078
274,9863
271,2997
267,3674 262,7221 257,8164 252,7350 247,3325 241,0206 234,1011 227,1244 220,3411 213,5578 206,5608
199,5338
297,0528
294,2327
292,7756
291,9831
290,9919
288,9164
287,4294
286,3447
285,1377
283,3393
281,2517
278,7303
275,6411
272,1519
268,3912
264,3814
259,6351 254,6308 249,4573 243,9644 237,5470 230,5228 223,4599 216,6131 209,7820 202,7487 195,6997 188,8341
291,4611
290,2965
289,8069
288,9808
286,8623
285,4136
284,4009
283,2365
281,4148
279,2803
276,6827
273,4851
269,8744
265,9907
261,8588
256,9673
251,8245 246,5233 240,9075 234,3518 227,1923 220,0170 213,0850 206,1877 199,1016 192,0165 185,1328 178,2555
287,7424
287,3858
287,4630
286,9073
284,7476
283,3614
282,4473
281,3395
279,4928
277,3057
274,6224
271,3039
267,5593
263,5421
259,2797
254,2336
248,9451
243,5117 237,7698 231,0730 223,7768 216,4903 209,4764 202,5176 195,3843 188,2693 181,3744 174,4999 167,8661
286,1030
286,6202
286,1188
283,6497
282,1874
281,2863
280,1592
278,2065
275,8953
273,0596
269,5567
265,6216
261,4219
256,9866
251,7448
246,2756
240,6804
234,7869 227,9238 220,4689 213,0539 205,9454 198,9152 191,7268 184,5762 177,6662 170,7917 164,1737 157,7095
287,1665
286,3093
283,1328
281,4544
280,5042
279,3039
277,1815
274,6917
271,6542
267,9204
263,7554
259,3417
254,7085
249,2470
243,5785
237,8083
231,7531
224,7147 217,0948 209,5489 202,3467 195,2481 188,0089 180,8281 173,9090 167,0412 160,4458 154,0168 147,9186
286,1355
281,9099
280,0867
279,1943
277,9850
275,7141
273,0615
269,8316
265,8715
261,4828
256,8647
252,0456
246,3750
240,5209
234,5916
228,3918
221,1954
213,4293 205,7731 198,4983 191,3526 184,0838 176,8934 169,9850 163,1427 156,5876 150,2103 144,1739 138,3337
278,9659
277,4816
276,9824
275,9412
273,5997
270,8377
267,4513
263,2893
258,6997
253,9010
248,9204
243,0620
237,0455
230,9813
224,6615
217,3313
209,4439
201,7033 194,3818 187,2141 179,9402 172,7638 165,8881 159,0922 152,5965 146,2888 140,3301 134,5739 129,0751
273,9287
274,4027
273,7116
271,3154
268,4428
264,8867
260,5034
255,6996
250,7149
245,5729
239,5249
233,3490
227,1574
220,7270
213,2717
205,2740
197,4625
190,1094 182,9353 175,6718 168,5246 161,6963 154,9607 148,5375 142,3113 136,4413 130,7789 125,3775 120,3297
274,9035
273,8040
270,7447
267,3694
263,3573
258,5285
253,3431
248,0485
242,6514
236,3299
229,9306
223,5628
216,9824
209,3652
201,2269
193,3228
185,9238
178,7332 171,4724 164,3492 157,5650 150,8874 144,5355 138,3902 132,6088 127,0403 121,7364 116,7875 112,2862
273,4812
269,4646
265,5275
261,0501
255,7813
250,2414
244,6782
239,0720
232,5169
225,9373
219,4377
212,7504
205,0119
196,7732
188,8169
181,4104
174,2394
167,0155 159,9477 153,2363 146,6433 140,3863 134,3435 128,6695 123,2118 118,0204 113,1837 108,7914 104,7810
266,4573
262,1958
257,4293
251,8480
246,0719
240,3506
234,6345
227,9252
221,2405
214,6791
207,9487
200,1464
191,8621
183,9051
176,5390
169,4310
162,2839
155,3079 148,7018 142,2226 136,0865 130,1691 124,6228 119,2938 114,2306 109,5194 105,2477 101,3522
97,6956
257,5598
252,7764
247,0146
241,1148
235,3369
229,5973
222,7933
216,0606
209,4912
202,7656
194,9398
186,6480
178,7278
171,4370
164,4244
157,3832
150,5254
144,0482 137,7038 131,7072 125,9315 120,5271 115,3392 110,4149 105,8386 101,6952 97,9211
94,3802
90,9646
248,4729
242,2805
236,1612
230,2963
224,5238
217,5991
210,8104
204,2356
197,5192
189,6691
181,3715
173,4956
166,2912
159,3852
152,4605
145,7310
139,3920
94,5324
91,1089
87,8062
84,7299
236,7021
230,5112
224,6982
218,9978
211,9975
205,2034
198,6724
192,0070
184,1619
175,8863
168,0841
160,9952
154,2224
147,4378
140,8573
134,6749
128,6331
94,6899
91,1670
87,8645
84,6776
81,7102
78,8298
224,3299
218,7626
213,2406
206,1724
199,4006
192,9467
186,3585
178,5297
170,2885
162,5781
155,6250
149,0042
142,3759
135,9591
129,9463
124,0749
118,5566
99,1204
94,9746
91,2373
87,8444
84,6645
81,5947
78,7372
75,9619
73,2746
213,1869
207,7919
200,5033
193,6988
187,3035
180,7790
172,9396
164,7150
157,0931
150,2809
143,8184
137,3518
131,1037
125,2654
119,5685
114,2242
109,0969
104,3291
99,7638
95,4439
91,4467
87,8488
84,5860
81,5286
78,5755
75,8272
73,1563
70,5687
68,1391
202,5744
194,7989
187,9233
181,5994
175,1485
167,2844
159,0721
151,5501
144,8969
138,6099
132,3190
126,2519
120,5990
115,0855
109,9227
104,9727
100,3768
95,9771
91,8162
87,9700
84,5132
81,3818
78,4477
75,6116
72,9727
70,4061
67,9178
65,5813
63,3317
188,5505
181,7106
175,5798
169,2762
161,4065
153,2303
145,8450
139,3901
133,3119
127,2233
121,3590
115,9102
110,5951
105,6262
100,8636
96,4476
92,2201
88,2233
84,5321
81,2195
78,2219
75,4128
72,6951
70,1664
67,7045
65,3157
63,0724
60,9110
58,8591
174,4715
168,9650
163,0025
155,1881
147,1019
139,9162
133,7186
127,8960
122,0449
116,4117
111,1897
106,0911
101,3307
96,7669
92,5400
88,4920
84,6649
81,1330
77,9681
75,1067
72,4245
69,8264
67,4087
65,0520
62,7630
60,6127
58,5394
56,5701
54,6840
163,5767
157,6306
149,5463
141,3677
134,3020
128,3262
122,7341
117,0965
111,6747
106,6645
101,7685
97,2049
92,8294
88,7825
84,9054
81,2403
77,8608
74,8375
72,1072
69,5469
67,0636
64,7526
62,4968
60,3033
58,2423
56,2534
54,3634
52,5521
152,3155
143,7003
135,3890
128,5000
122,8145
117,5034
112,1124
106,9268
102,1481
97,4690
93,1133
88,9343
85,0736
81,3718
77,8717
74,6468
71,7666
69,1682
66,7304
64,3617
62,1571
60,0015
57,9027
55,9300
54,0244
52,2125
50,4748
136,9962
128,7153
122,2234
116,9984
112,0773
107,0012
102,0997
97,5885
93,1518
89,0234
85,0551
81,3916
77,8730
74,5439
71,4778
68,7441
66,2800
63,9661
61,7130
59,6151
57,5599
55,5555
53,6705
51,8476
50,1131
48,4482
46,4839
121,0129
115,4178
110,9313
106,5423
101,8524
97,2777
93,0628
88,8859
84,9966
81,2463
77,7846
74,4518
71,2946
68,3877
65,8002
63,4699
61,2789
59,1400
57,1472
55,1904
53,2785
51,4794
49,7371
48,0780
109,5752
105,7859
101,8150
97,3826
93,0326
89,0383
85,0568
81,3557
77,7805
74,4859
71,3086
68,2976
65,5281
63,0690
60,8574
58,7760
56,7389
54,8404
52,9719
51,1430
49,4213
47,7519
46,1611
44,6313
26
27
28
105
29
30
Osigurana suma za jedinicu godinje premije osiguranja, ako je ugovoreno trajanje osiguranja godina
Pristupna
starost
osiguranika
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
101,8368
98,0176
93,6221
89,3533
85,4878
81,6293
78,0636
74,6208
71,4603
68,4107
65,5224
62,8712
60,5250
58,4191
56,4359
54,4900
52,6764
50,8874
49,1334
47,4818
45,8785
44,3499
42,8788
94,6228
90,0813
85,8252
82,0676
78,3160
74,8785
71,5622
68,5325
65,6069
62,8379
60,3021
58,0668
56,0649
54,1777
52,3205
50,5894
48,8774
47,1956
45,6115
44,0719
42,6031
41,1884
86,1548
82,0185
78,4668
74,8795
71,6146
68,4555
65,5802
62,7955
60,1584
57,7478
55,6312
53,7393
51,9524
50,1870
48,5405
46,9068
45,2979
43,7819
42,3060
40,8969
39,5383
78,0202
74,8125
71,4386
68,3790
65,3945
62,6859
60,0484
57,5465
55,2634
53,2672
51,4863
49,7999
48,1251
46,5619
45,0046
43,4667
42,0166
40,6024
39,2509
37,9464
71,5819
68,3294
65,4295
62,5807
60,0133
57,4999
55,1144
52,9439
51,0573
49,3784
47,7839
46,1914
44,7041
43,2161
41,7422
40,3520
38,9937
37,6947
36,4394
65,4744
62,6912
59,9453
57,5037
55,0990
52,8173
50,7507
48,9676
47,3859
45,8783
44,3624
42,9458
41,5218
40,1067
38,7716
37,4650
36,2143
35,0046
59,8629
57,2794
55,0048
52,7268
50,5597
48,6051
46,9327
45,4532
44,0349
42,5958
41,2495
39,8881
38,5303
37,2486
35,9916
34,7876
33,6216
54,9173
52,7633
50,5692
48,4872
46,6261
45,0533
43,6672
42,3291
40,9572
39,6729
38,3660
37,0574
35,8225
34,6090
33,4460
32,3188
50,5470
48,4519
46,4635
44,7050
43,2409
41,9541
40,6979
39,3917
38,1675
36,9121
35,6496
34,4584
33,2855
32,1610
31,0700
46,5540
44,6095
42,9351
41,5738
40,3808
39,1983
37,9473
36,7746
35,5618
34,3371
33,1829
32,0443
30,9527
29,8931
42,6965
41,1614
39,9405
38,8616
37,7599
36,5639
35,4418
34,2689
33,0789
31,9591
30,8524
29,7916
28,7613
39,5664
38,4954
37,5245
36,4871
35,3257
34,2391
33,0918
31,9239
30,8288
29,7457
28,7087
27,7018
37,2960
36,4084
35,4007
34,2401
33,1674
32,0268
30,8659
29,7847
28,7162
27,6961
26,7067
35,5062
34,4683
33,2630
32,1824
31,0315
29,8653
28,7907
27,7315
26,7244
25,7495
33,5202
32,2460
31,1638
30,0055
28,8376
27,7755
26,7303
25,7407
24,7842
31,0894
30,0520
28,9069
27,7521
26,7164
25,6958
24,7322
23,8008
28,9079
27,7899
26,6549
25,6550
24,6643
23,7310
22,8277
26,8098
25,6485
24,6700
23,6986
22,7887
21,9082
24,5171
23,6138
22,6872
21,8178
20,9710
22,6385
21,7478
20,9126
20,0932
25
26
27
28
106
29
30
Osnovne odredbe
1. Jednokratna premija osiguranja se plaa u celosti odjednom, unapred na dan poetka
osiguranja.
2. U sluaju smrti osiguranika u toku ugovorenog trajanja osiguranja, korisniku
osiguranja isplauje se:
(1) Ako je osiguranje zakljueno bez lekarskog pregleda, a osiguranik umre zbog
bolesti u prvih est meseci od poetka osiguranja, korisniku osiguranja se isplauje 50%
od ugovorene osigurane sume, a ukoliko je od ovog iznosa vei iznos uplaene
jednokratne tehnike premije osiguranja korisniku se vri povrat tehnike premije
osiguranja.
(2) Ukoliko osiguranik umre po isteku est meseci od poetka osiguranja, korisniku
osiguranja se isplauje ugovorena osigurana suma.
(3) Ako je osiguranje zakljueno sa lekarskim pregledom, korisniku osiguranja se
isplauje ugovorena osigurana suma, bez obzira na proteklo vreme od poetka osiguranja
do smrti osiguranika.
3. Osiguranik, odnosno korisnik osiguranja nema pravo na uee u dobiti.
4. Ako osiguranik doivi istek osiguranja, osiguranje prestaje i ne postoji obaveza
osiguravaa.
5. Premija osiguranja i osigurane sume mogu se ugovarati i plaati u devizama, ili
ugovarati u stranoj valuti i plaati u dinarskoj protivvrednosti po srednjem kursu Narodne
banke Srbije na dan plaanja.
Pristupna starost osiguranika i granice ivotne starosti za istek osiguranja
Pristupna starost osiguranika je razlika izmeu kalendarske godine poetka osiguranja i
kalendarske godine roenja osiguranika.
15 godina
65 godina
70 godina
107
Trajanje osiguranja:
- 2 godine
- 30 godina
2.000 EUR
200.000 EUR
- u skladu sa tabelom za
prihvat u osiguranje
S x, ,n
Uee u dobiti
Osiguranik, odnosno korisnik osiguranja nema pravo na uee u dobiti.
Uslovi za preuzimanje u osiguranje
108
Vrsta pregleda
obrazac ponude
A
A+B*)
A+B+D*)
A+C+D+E*)
109
*) = bez obzira na pristupnu starost potreban je test na HIV ukoliko ukupna osigurana
suma ( ukljuujui prethodne polise), prelazi EUR 50.000.
Uz svaki od navedenih pregleda potrebno je priloiti Veliki lekarski izvetaj.
110
10
11
12
15
231,7117
155,6382
117,5663
95,2044 80,2330 69,6581 61,6080 55,3657 50,4322 46,3406 42,9260 40,0340 37,6005 35,4056 33,4121 31,6965 30,1525 28,7741 27,4949 26,3166 25,2251 24,2312 23,2964 22,4147 21,5840 20,7898 20,0221 19,2993
18,5877
16
227,2638
152,8171
116,2513
42,5264 39,7136 37,2039 34,9468 33,0208 31,3005 29,7751 28,3681 27,0793 25,8917 24,8153 23,8074 22,8607 21,9721 21,1257 20,3104 19,5455 18,7947
18,0597
17
224,8392
152,2470
115,6242
93,8341 79,0626 68,5366 60,7306 54,5716 49,6362 45,5937 42,2854 39,3718 36,7815 34,5936 32,6563 30,9518 29,3906 27,9697 26,6679 25,4944 24,4009 23,3786 22,4231 21,5167 20,6470 19,8340 19,0389 18,2631
17,5313
18
224,1947
151,4257
115,2980
93,2434 78,5791 68,2207 60,3391 54,1997 49,2838 45,3337 41,9081 38,9035 36,3951 34,1961 32,2783 30,5355 28,9606 27,5271 26,2425 25,0518 23,9442 22,9139 21,9408
16,9700
19
224,2284
151,7037
114,8702
92,8710 78,3790 67,8827 60,0041 53,8742 49,0595 44,9616 41,4250 38,5128 35,9896
20
223,6042
150,3770
113,9650
21
221,8678
149,3358
22
218,9420
148,2577
23
218,9259
24
217,2612
25
45,9114
13
14
15
33,8112
16
17
18
19
20
21
22
23
24
25
21,0110
26
27
28
29
31,8493 30,0907 28,5018 27,0872 25,7840 24,5783 23,4626 22,4138 21,4162 20,4913 19,5938 18,7248
17,1319
16,3874
17,2947 16,5144
15,7867
113,5099
91,7089 77,1759 66,7984 59,1568 52,9761 47,8649 43,8021 40,3837 37,5053 34,9687 32,7387 30,7582 29,0219 27,4441 26,0028 24,6845 23,4585 22,3042 21,2440 20,2245 19,2458 18,3368 17,4731 16,6540 15,8927
15,1799
112,3243
90,7571 76,3798 66,2913 58,4216 52,1001 47,1913 43,1378 39,7779 36,8564 34,3179 32,0865 30,1479 28,4003 26,8156 25,3755 24,0446 22,7985 21,6601 20,5708 19,5300 18,5677 17,6571 16,7969 16,0004 15,2573
14,5682
147,2522
111,4709
90,0253 75,9823 65,5536 57,4890 51,4091 46,5041 42,5153 39,1018 36,1765 33,6358 31,4514 29,5001 27,7452 26,1624 24,7095 23,3577 22,1299 20,9613 19,8506 18,8286 17,8659 16,9604 16,1253 15,3490 14,6316
13,9571
146,0096
110,4872
32,9311 30,7377 28,7831 27,0348 25,4419 23,9702 22,6418 21,3850 20,1971 19,1096 18,0902 17,1357 16,2591 15,4474 14,7000 13,9997
13,3376
213,9146
144,0176
109,6107
32,1137
29,9261 27,9872 26,2351 24,6284 23,1882 21,8342 20,5619 19,4036 18,3234 17,3167 16,3962 15,5473 14,7686 14,0415 13,3563
12,7160
26
211,7503
143,5044
108,0042
86,2077 72,2001 62,1318 54,6392 48,6663 43,8397 39,8493 36,5584 33,7221 31,2503 29,0824 27,1416 25,3768 23,8069 22,3412 20,9729 19,7348 18,5864 17,5218 16,5529 15,6633 14,8504 14,0942 13,3840 12,7225
12,1094
27
211,7203
141,1753
105,3116
84,6409 70,7848 60,9698 53,4298 47,5121 42,7333 38,8671 35,5881 32,7694 30,3267 28,1628 26,2137 24,4944 22,9015 21,4251 20,0978 18,8741 17,7458 16,7242 15,7905 14,9409 14,1536 13,4170 12,7331 12,1012
11,5152
28
207,6083
136,9400
103,1771
82,8142 69,3543 59,5105 52,0673 46,2294 41,6149 37,7748 34,5265 31,7500 29,3196 27,1537
11,4938
10,9210
29
197,3392
132,8066
100,1460
80,6436 67,3044 57,6931 50,4228 44,8353 40,2884 36,5131 33,3363 30,5927 28,1762 26,0865 24,1842 22,4496 20,9130 19,5150 18,2417 17,1015 16,0698 15,1395 14,2846 13,4908 12,7592 12,0876
11,4687
10,8819
10,3389
30
193,1590
129,7397
98,0748
78,5609 65,4459 56,0058 49,0140 43,4851 38,9999 35,2974 32,1512 29,4186 27,0841 24,9817 23,0831 21,4157 19,9105 18,5491 17,3378 16,2479 15,2703 14,3760 13,5492 12,7901 12,0958
11,4581
10,8555 10,2994
9,7619
31
191,4421
128,3970
96,1663
76,7598 63,7670 54,6233 47,6628 42,1825 37,7664 34,0879 30,9469 28,3020 25,9500 23,8498 22,0238 20,3900 18,9241 17,6290 16,4712 15,4385 14,4986 13,6338 12,8434 12,1232
11,4641
10,8434 10,2724
32
187,5647
124,6610
93,1856
74,2555 61,8332 52,8319 46,0040 40,6600 36,3121 32,6715 29,6560 27,0120 24,6804 22,6754 20,8985 19,3178 17,9319
10,8282 10,2423
33
181,9062
120,6270
90,0113
71,9514 59,7434 50,9327 44,2901 39,0418 34,7506 31,2654 28,2596 25,6470 23,4282 21,4830 19,7691 18,2790 16,9654 15,8085 14,7673 13,8189 12,9601 12,1842
11,4797
34
174,3228
115,7032
86,8279
69,2317 57,3766 48,8667 42,3868 37,2407 33,1580 29,7044 26,7519 24,2797 22,1385 20,2717 18,6637 17,2575 16,0276 14,9277 13,9315 13,0340 12,2270
11,4971
10,8171 10,1980
35
167,6961
112,0320
83,7275
66,5779 55,1004 46,7867 40,4298 35,5335 31,4891 28,1001 25,3097 22,9269 20,8748 19,1256 17,6098 16,2946 15,1265 14,0752 13,1334 12,2907
11,5321
10,8283 10,1899
36
162,7848
108,0626
80,4795
63,8938 52,6992 44,5629 38,5299 33,6926 29,7366 26,5438 23,8625 21,5855 19,6679 18,0233 16,6088 15,3623 14,2480 13,2559 12,3732
11,5825
10,8521 10,1924
37
157,3164
103,8781
77,2069
10,8905 10,2070
38
149,7291
98,9351
73,3030
57,7197 47,4825 39,9652 34,2240 29,8335 26,3022 23,4088 21,0434 19,0646 17,3984 15,9566 14,6882 13,5748 12,5965
39
142,5945
93,8299
69,1771
54,6222 44,6577 37,4235 32,0971 27,9359 24,6049 21,9327 19,7315 17,9018 16,3356 14,9708 13,7826 12,7462
40
135,0286
88,3157
65,3777
51,2588 41,7133 35,0305 30,0004 26,0886 23,0214 20,5408 18,5095 16,7926 15,3126 14,0362 12,9317
11,9663
41
126,2942
83,2231
61,1181
42
119,0976
77,6391
56,7180
44,4483 36,2427 30,3853 26,0787 22,7644 20,1557 18,0205 16,2292 14,7194 13,4385 12,3377
43
111,2378
71,9812
52,8681
41,3712 33,7152 28,3537 24,3725 21,3233 18,8810 16,8679 15,1961 13,7952 12,6040
11,5534
44
101,6704
66,5801
48,9124
11,7881
10,8137
45
94,5483
61,8124
45,3988
11,0439
10,0979
44,3411 40,9280 38,0101 35,5199 33,2996 31,3274 29,5597 27,9974 26,5673 25,2523 24,0420 22,9102 21,8389 20,8501 19,8948 18,9736
18,5113
16,9113
11,6507
18,1144
17,9111
30
11,4673
10,8207 10,2186
9,7221
9,1982
9,6793
9,1448
8,6563
9,6420
9,0961
8,5986
8,1397
9,6070
9,0492
8,5424
8,0762
7,6370
9,5827
9,0116
8,4943
8,0197
7,5738
7,1606
9,5673
8,9814
8,4525
7,9687
7,5155
7,0966
6,6990
9,5619
8,9596
8,4179
7,9239
7,4626
7,0373
6,6347
6,2567
11,7298
10,9374 10,2280
9,5615
8,9419
8,3864
7,8817
7,4118
6,9798
6,5720
6,1901
5,8278
11,8338
11,0043
10,2656
9,5748
8,9354
8,3645
7,8477
7,3680
6,9285
6,5146
6,1281
5,7625
5,4228
11,0942
10,3219
9,6034
8,9415
8,3531
7,8225
7,3318
6,8836
6,4629
6,0711
5,7015
5,3590
5,0410
11,2088
10,3980
9,6480
8,9606
8,3524
7,8063
7,3031
6,8452
6,4168
6,0190
5,6447
5,2988
4,9785
11,3580
10,5019
9,7149
8,9978
8,3667
7,8026
7,2850
6,8157
6,3783
5,9734
5,5937
5,2437
4,9205
10,6427
9,8115
9,0591
8,4007
7,8152
7,2806
6,7979
6,3496
5,9363
5,5499
5,1950
4,8680
9,9313
9,1384
8,4490
7,8393
7,2854
6,7877
6,3273
5,9045
5,5106
5,1500
4,8189
9,2549
8,5273
7,8881
7,3107
6,7944
6,3193
5,8848
5,4816
5,1138
4,7773
Osigurana suma za jedinicu jednokratne premije osiguranja, ako je ugovoreno trajanje osiguranja godina
Pristupna
starost
osiguranika
46
88,3915
57,6220
42,5036
47
81,8455
53,7766
48
76,6804
50,4763
49
72,3906
50
68,4387
51
13
14
15
16
17
18
19
20
21
22
23
24
11,3474
10,3213
9,4158
8,6411
7,9654
7,3592
6,8204
6,3272
5,8783
5,4637
5,0871
4,7437
39,7675
11,7188
10,5950
9,6144
8,7837
8,0653
7,4255
6,8605
6,3464
5,8810
5,4533
5,0666
4,7154
37,4445
9,8700
8,9700
8,1992
7,5185
6,9220
6,3829
5,8978
5,4544
5,0554
4,6949
47,7495
35,3194
11,3900
10,1955
9,2087
8,3732
7,6426
7,0080
6,4387
5,9300
5,4679
5,0545
4,6828
44,9757
33,1382
11,9399
10,5943
9,5002
8,5861
7,7958
7,1160
6,5114
5,9753
5,4917
5,0617
4,6771
64,4597
42,1396
31,0468
11,0909
9,8609
8,8492
7,9860
7,2518
6,6051
6,0367
5,5279
5,0786
4,6792
52
60,0049
39,3080
29,0440
11,7072
10,3033
9,1697
8,2172
7,4174
6,7210
6,1147
5,5766
5,1051
4,6888
53
55,8980
36,7674
27,2171
9,5729
8,5070
7,6257
6,8681
6,2160
5,6430
5,1451
4,7088
54
52,4824
34,5539
25,4123
19,9848 16,2537
13,5611
11,5978
10,0916
8,8770
7,8912
7,0567
6,3479
5,7321
5,2024
4,7422
55
49,4060
32,2263
23,7491
18,5145 14,9987
12,5611 10,7586
9,3457
8,2246
7,2930
6,5139
5,8460
5,2779
4,7892
56
45,8428
30,0309
21,9088
17,0148 13,8527
11,6253
9,9413
8,6419
7,5862
6,7193
5,9876
5,3733
4,8508
57
42,5100
27,5245
20,0193
9,1719
7,9531
6,9745
6,1634
5,4928
4,9296
58
38,9547
25,1171
18,4279
14,4582
11,7839
9,8859
8,4386
7,3088
6,3933
5,6503
5,0358
59
35,0745
22,9746
16,9473
13,2775 10,8409
9,0688
7,7339
6,6819
5,8470
5,1689
60
32,3572
21,2730
15,6316
12,2576
9,9669
8,3242
7,0768
6,1149
5,3511
61
30,2668
19,7205
14,4825
11,2896
9,1577
7,6189
6,4765
5,5955
62
27,8556
18,1764
13,2676
10,3235
8,3434
6,9450
5,9057
63
25,5334
16,5554
12,0727
9,3617
7,5758
6,3116
64
23,2359
15,0438
10,9245
8,4854
6,8739
65
20,9450
13,5188
9,8520
7,6680
17,6117
10
11
12
25
26
27
28
29
112
30
15
218,4267
142,0145
103,3520
81,4730 67,4502 57,8002 50,4797 44,8995 40,4307 36,8231 33,9006 31,4862 29,4308 27,6120 26,0562 24,7109 23,5168 22,4255 21,4318 20,5131 19,6503 18,8412 18,0829 17,3693 16,6718 16,0073 15,3752 14,7648
14,1454
16
203,6390
131,1526
97,0698
77,3332 64,5938 55,3512 48,5362 43,2160 39,0073 35,6526 32,9175 30,6144 28,5956 26,8829 25,4122
22,9355 21,8672 20,8839 19,9644 19,1054 18,3036 17,5515 16,8189 16,1232 15,4635 14,8282 14,1854
13,5471
17
184,7774
122,3912
91,9143
74,0325 61,8378 53,2334 46,7317 41,7164 37,7972 34,6519 32,0376 29,7712 27,8665 26,2443 24,8230 23,5393 22,3828 21,3239 20,3383 19,4217 18,5696 17,7734 17,0007 16,2695 15,5785 14,9151 14,2461 13,5837
12,9522
18
174,6609
117,4049
89,0796
71,5756 60,0054 51,6561 45,4334 40,6968 36,9727 33,9282 31,3255 29,1638 27,3409 25,7575 24,3380 23,0680 21,9122 20,8425 19,8530 18,9374 18,0859 17,2630 16,4876 15,7575 15,0593 14,3576 13,6655 13,0080
12,3939
19
172,1429
116,2645
87,4805
70,3820 58,8758 50,7147 44,7249 40,1440 36,4801 33,4038 30,8872 28,7914 26,9903 25,3907 23,9713 22,6893 21,5109 20,4276 19,4312 18,5094 17,6232 16,7920 16,0131 15,2714 14,5292 13,8000
13,1101
12,4683
11,8603
20
171,0733
114,1172
86,0157
69,0212 57,7834 49,9292 44,1334 39,6231 35,9192 32,9437 30,5024 28,4303 26,6099 25,0100 23,5771 22,2702 21,0773 19,9871 18,9846 18,0261 17,1319 16,2981 15,5078 14,7205 13,9507 13,2254 12,5534
11,9191
11,3075
21
167,3657
112,0279
84,1935
13,3526 12,6479
11,9855
11,3490
10,7453
22
162,7759
108,8645
82,0990
66,3404 55,9622 48,5192 42,7782 38,3894 34,9272 32,0817 29,6490 27,5612 25,7297 24,0901 22,6183 21,2936 20,0923 18,9584 17,9133 16,9497 16,0458 15,1546 14,2916 13,4864 12,7468 12,0546
11,3922
10,7662
10,1837
23
159,3907
106,8201
81,0064
10,8027 10,1991
9,6280
24
155,8165
105,3334
80,2218
65,0214 54,5852 47,2567 41,8305 37,5860 34,1012 31,2103 28,7470 26,5969 24,7098 23,0448 21,5615 20,1843 18,9341 17,7971 16,7444 15,7188 14,7376 13,8322 13,0093 12,2462
11,5227
25
154,9318
105,0552
79,8485
64,2849 54,0970 46,9135 41,4945 37,1704 33,6656 30,7361 28,2209 26,0446 24,1484 22,4776 20,9415 19,5598 18,3135 17,1682 16,0604 15,0077 14,0425 13,1703 12,3660
11,6071
10,8993 10,2487
26
155,5070
104,9402
79,0148
63,7885 53,7761 46,5848 41,0556 36,7034 33,1512 30,1614 27,6180 25,4341 23,5341 21,8072 20,2696 18,8955 17,6432 16,4413 15,3078 14,2757 13,3490 12,4993
11,7018
10,9618 10,2847
27
154,9479
103,3280
78,1673
63,2794 53,2963 45,9893 40,4491 36,0583 32,4504 29,4422 26,9028 24,7255 22,7718 21,0522
11,7995
11,0256
10,3208
9,6649
28
151,0677
101,7106
77,3066
62,5473 52,4604 45,1812 39,6238 35,1903 31,5820 28,5963 26,0792 23,8533 21,9194 20,2279 18,7157 17,2901 15,9679 14,7825 13,7328 12,7823
11,9003
11,0907
10,3571
9,6774
29
148,3479
100,5889
76,3994
38,6011 34,1834 30,6155 27,6674 25,1046 22,9107 21,0165 19,3421 17,7798 16,3446 15,0691 13,9484 12,9404
12,0112
11,1630
10,3985
9,6937
30
148,8751
100,3685
75,5710
60,6108 50,5047 43,1377 37,5454 33,1670 29,6385 26,6345 24,1086 21,9606 20,0867 18,3589 16,7890 15,4075 14,2040 13,1300 12,1466
11,2547
10,4555
9,7224
31
148,1041
98,7784
74,1177
11,3494
10,5136
9,7511
32
144,3031
96,1198
71,8647
57,1052 47,2056 40,1228 34,7932 30,4985 27,0472 24,2204 21,8313 19,6893 17,7917 16,1586 14,7634 13,5390 12,4349
11,4472
10,5729
9,7798
9,0715
33
139,4922
92,6761
68,9680
54,6837 45,1595 38,3419 33,0521 28,9266 25,6275 22,8935 20,4834 18,3801 16,5933 15,0836 13,7714 12,5979
11,5561
10,6400
9,8140
9,0802
34
134,5768
88,8370
65,9491
52,2431 43,0987 36,3531 31,2905 27,3605 24,1806 21,4332 19,0770 17,1052 15,4599 14,0450 12,7917
11,6881
10,7248
9,8618
9,0997
35
128,2097
84,5337
62,7622
49,6955 40,7103 34,2996 29,5071 25,7413 22,5650 19,8962 17,7009 15,8951 14,3609 13,0157
11,8421
10,8258
9,9218
9,1283
36
121,5191
80,2393
59,5776
46,8016 38,3093 32,2700 27,6980 23,9548 20,8864 18,4132 16,4122 14,7352 13,2821 12,0273 10,9501
9,9994
9,1706
37
115,4932
76,2289
56,0339
43,9874 36,0039 30,2546 25,7240 22,1227 19,2908 17,0443 15,1916 13,6078 12,2560
11,1072
10,1018
9,2320
38
109,7537
71,4755
52,5349
11,3007
10,2315
9,3142
8,5118
39
102,1656
66,6899
49,1037
11,5354
10,3913
9,4188
8,5751
40
94,5542
62,0330
45,6084
11,8208
10,5874
9,5502
8,6583
41
88,6625
57,8884
41,8625
9,7299
8,7784
42
82,5709
52,7898
37,9219
11,1733
9,9557
8,9322
43
74,2809
47,3087
34,2628
11,5770
10,2364
9,1254
8,2060
44
65,6385
42,4522
31,1300
9,3742
8,3774
45
59,4566
38,9360
28,5990
8,6244
7,7102
11,0994
10
28,4111
9,7260
11
12
13
30,1182
25,4749 23,0210
14
15
16
17
24,1148
18
19
20
21
22
23
28,0243 26,2043 24,5901 23,1306 21,8089 20,6097 19,5143 18,4734 17,5080 16,6125 15,7681
27,1186
25,2510 23,5920
22,1126
24
14,9311
25
14,1165
26
20,7821 19,5360 18,3958 17,3513 16,3776 15,4231 14,5041 13,6512 12,8718 12,1457
27
11,4538
28
30
9,6287
9,0827
9,6379
9,0749
8,5498
9,6517
9,0706
8,5305
8,0366
9,0652
8,5100
8,0040
7,5349
9,0587
8,4881
7,9698
7,4910
7,0511
9,0548
8,4680
7,9371
7,4482
7,0003
6,5949
9,0611
8,4564
7,9113
7,4112
6,9547
6,5426
6,1763
9,0667
8,4436
7,8842
7,3729
6,9076
6,4890
6,1179
5,7870
8,4296
7,8558
7,3332
6,8593
6,4342
6,0584
5,7242
5,4205
8,4184
7,8294
7,2951
6,8122
6,3804
5,9998
5,6621
5,3560
5,0728
8,4158
7,8099
7,2626
6,7698
6,3307
5,9447
5,6032
5,2944
5,0092
4,7514
8,4203
7,7961
7,2347
6,7312
6,2841
5,8924
5,5467
5,2349
4,9476
4,6884
4,4476
8,4354
7,7907
7,2136
6,6982
6,2422
5,8441
5,4938
5,1786
4,8889
4,6281
4,3862
4,1618
8,4656
7,7974
7,2023
6,6733
6,2072
5,8017
5,4460
5,1268
4,8341
4,5713
4,3280
4,1028
3,8982
7,8168
7,2011
6,6566
6,1790
5,7650
5,4031
5,0792
4,7831
4,5179
4,2729
4,0466
3,8414
3,6517
7,8492
7,2103
6,6483
6,1575
5,7340
5,3650
5,0359
4,7359
4,4678
4,2208
3,9931
3,7870
3,5969
3,4229
7,8971
7,2315
6,6494
6,1438
5,7093
5,3323
4,9972
4,6926
4,4212
4,1718
3,9424
3,7352
3,5444
3,3702
3,2097
7,9735
7,2752
6,6686
6,1448
5,6970
5,3101
4,9675
4,6571
4,3814
4,1288
3,8969
3,6881
3,4962
3,3212
3,1605
8,0753
7,3383
6,7029
6,1578
5,6944
5,2959
4,9445
4,6274
4,3467
4,0901
3,8554
3,6444
3,4511
3,2751
3,1138
7,4231
6,7538
6,1839
5,7022
5,2903
4,9287
4,6037
4,3170
4,0559
3,8177
3,6042
3,4090
3,2318
3,0695
7,5382
6,8279
6,2279
5,7244
5,2964
4,9226
4,5882
4,2943
4,0277
3,7852
3,5685
3,3709
3,1920
3,0285
6,9456
6,3062
5,7742
5,3251
4,9352
4,5883
4,2850
4,0108
3,7625
3,5413
3,3403
3,1587
2,9934
20,9119
10,8447 10,2187
29
Tablice mortaliteta RS 2002 - MUKARCI Osigurana suma za jedinicu jednokratne premije osiguranja, ako je ugovoreno trajanje osiguranja godina
Pristupna
starost
osiguranika
46
55,2735
36,0963
26,3194
47
51,3705
33,1916
24,1495
48
46,7887
30,2433
22,1049
17,1930 13,9632
11,6601
49
42,3907
27,6115
20,1522
50
38,9105
25,2412
18,4826
14,4222
11,7562
51
35,6055
23,1802
16,9579
52
32,5728
21,2027
15,5864
53
29,8972
19,5525
54
27,5356
17,9768
55
25,3747
16,5716
56
23,2894
57
21,5982
58
59
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
11,7947
10,2086
8,9643
9,4041
8,2588
7,9498
7,1137
6,4231
5,8542
5,3781
4,9678
4,6049
4,2893
4,0056
3,7497
3,5227
3,3170
3,1320
2,9638
7,3313
6,5763
5,9619
5,4526
5,0173
4,6351
4,3048
4,0095
3,7445
3,5105
3,2993
3,1099
2,9385
9,9637
8,6468
9,1535
7,9544
7,6030
6,7678
6,0975
5,5481
5,0830
4,6780
4,3304
4,0216
3,7459
3,5037
3,2861
3,0918
2,9164
7,0150
6,2735
5,6739
5,1720
4,7389
4,3704
4,0452
3,7568
3,5047
3,2795
3,0791
2,8990
9,8501
8,4304
7,3477
6,5109
5,8453
5,2956
4,8267
4,4316
4,0858
3,7813
3,5171
3,2822
3,0743
2,8883
13,2786 10,8208
9,0760
12,2027
9,9575
8,3809
7,7915
6,8249
6,0718
5,4600
4,9453
4,5165
4,1450
3,8207
3,5413
3,2946
3,0775
2,8843
7,2346
6,3643
5,6715
5,0982
4,6272
4,2238
3,8752
3,5775
3,3165
3,0884
2,8867
14,3535
11,2472
9,2096
13,2127
10,3961
8,5681
7,7961
6,7590
5,9546
5,3027
4,7761
4,3315
3,9519
3,6310
3,3522
3,1105
2,8980
7,2872
6,3266
5,5685
4,9688
4,4711
4,0523
3,7025
3,4018
3,1434
2,9180
12,2329
9,6931
8,0270
6,8340
5,9246
5,2244
4,6556
4,1855
3,7986
3,4702
3,1908
2,9495
15,3133
11,4044
14,3421
10,7362
9,0857
7,5309
6,3997
5,5588
4,8940
4,3564
3,9220
3,5586
3,2534
2,9925
8,5525
7,0677
6,0158
5,2137
4,5832
4,0850
3,6758
3,3374
3,0518
20,3725
13,5811
19,4047
12,8706
10,1463
8,0447
6,6562
5,6484
4,8853
4,2994
3,8292
3,4475
3,1303
9,5492
7,5794
6,2472
5,2882
4,5793
4,0265
3,5880
3,2304
60
18,3291
61
17,0128
12,0552
8,9648
7,0867
5,8272
4,9415
4,2760
3,7629
3,3538
11,2540
8,3367
6,5776
5,4235
4,5974
3,9832
3,5069
62
63
15,8356
10,4269
7,7101
6,1056
5,0331
4,2731
3,7045
14,6983
9,6419
7,1584
5,6643
4,6762
3,9719
64
13,4586
8,9004
6,6084
5,2419
4,3314
65
12,4449
8,2189
6,1162
4,8539
25
26
27
28
29
Tarifa premija stupa na snagu 15.09.2010. godine i primanjuje se za sva osiguranja sa ugovornim poetkom trajanja od 01.10.2010.godine.
114
30
TARIFA PREMIJA
DN
TARIFA PREMIJA ZA DOPUNSKO OSIGURANJE OD POSLEDICA NESRENOG
SLUAJA (NEZGODE)
OSNOVNE ODREDBE
1. Po ovoj Tarifi premija ugovara se dopunsko osiguranje od posledica nesrenog
sluaja (nezgode) uz osiguranje ivota.
2. Dopunsko osiguranje od posledica nesrenog sluaja (nezgode) moe se ugovoriti
samo ukoliko je ugovoreno osnovno osiguranje ivota i traje najdalje do prestanka istog.
Dopunsko osiguranje moe biti ugovoreno i u toku trajanja osiguranja ivota i prestati
pre isteka osiguranja ivota, ali prestankom osiguranja ivota prestaje i dopunsko
osiguranje od posledica nesrenog sluaja.
3. Dopunsko osiguranje od posledica nesrenog sluaja se ugovara prema Posebnim
uslovima za dopunsko osiguranje lica od posledica nesrenog sluaja (nezgode) uz
osiguranje ivota i Posebnim uslovima za osiguranje uveanih rizika.
4. Dopunsko osiguranje se moe ugovoriti za sledee rizike - osigurani sluaj:
a) za sluaj smrti od posledica nesrenog sluaja (nezgode);
b) za sluaj trajnog (doivotnog) invaliditeta prouzrokovanog nesrenim
sluajem;
c) za sluaj preloma kosti prouzrokovanog nesrenim sluajem;
d) za sluaj boravka u bolnici radi leenja od posledica nesrenog sluaja
(dnevna naknada za boravak u bolnici).
5. Osigurana suma za sluaj smrti od posledica nesrenog sluaja se ugovara u istom ili
manjem iznosu od osigurane sume za smrt ugovorene kod osnovnog osiguranja ivota.
6. U sluaju smrti osiguranika od posledica nesrenog sluaja (nezgode) u toku
ugovorenog trajanja osiguranja, korisniku osiguranja se isplauje osigurana suma za
sluaj smrti, nezavisno od isplate osigurane sume iz osnovnog osiguranja ivota.
7. Osigurana suma za sluaj trajnog invaliditeta moe biti najvie dva puta via od
osigurane sume za smrt usled nezgode. Po pravilu se ova dva rizika ugovaraju.zajedno.
8. Ako usled nesrenog sluaja nastupi potpuni ili delimini trajni invaliditet,
osiguraniku se isplauje osigurana suma za invaliditet u celosti ili u odgovarajuem
procentu trajnog invaliditeta.
9. Ukoliko se ugovara osiguranje samo za sluaj trajnog invaliditeta prouzrokovanog
nesrenim sluajem, tarifom predvien premijski stav za ovaj rizik se poveava za 50%.
115
Osigurana suma za sluaj trajnog invaliditeta moe biti najvie dva puta via od
osigurane sume za smrt iz osnovnog osiguranja ivota.
Ukoliko se ugovara osiguranje samo za sluaj smrti usled nezgode predvieni premijski
stav za ovaj rizik se ne poveava.
10. Uz osiguranje za sluaj smrti usled nezgode i za sluaj trajnog invaliditeta usled
nezgode ili ako je posebno ugovoren neki od ova dva dopunska rizika moe se ugovoriti
osiguranje preloma kosti i/ili osiguranje dnevne naknade za boravak u bolnici (bolnika
dnevna naknada). Osiguranje preloma kosti i dnevne naknade za boravak u bolnici ne
moe se ugovoriti bez dopunskih rizika navedenih pod a) i b) take 4. ove Tarife.
11. Prelom kosti osiguranika nastao kao posledica nesrenog sluaja (nezgode)
podrazumeva potpuni ili delimini prekid kontinuiteta kosti nastao kao posledica
delovanja mehanike sile na kost (traumatski prelomi), pri kome intezitet mehanike sile
prelazi granicu fizioloke elastinosti kosti.
Ukoliko se nakon isplate naknade po osnovu preloma kosti ustanovi postojanje trajnog
invaliditeta prouzrokovanim istim dogaajem isplatie se razlika osigurane sume
utvrene po osnovu trajnog invaliditeta i isplaene naknade po osnovu preloma kosti,
ukoliko takva razlika postoji.
Osigurana suma za prelom kosti se ugovara u iznosu od:
a) 100 uz ugovoreno osiguranje ivota sa osiguranom sumom za smrt do/i 15.000 ;
b) 200 uz ugovoreno osiguranje ivota sa osiguranom sumom za smrt preko 15.000 .
12. Dnevna naknada za boravak u bolnici moe iznositi najvie 10 po danu. Dnevna
naknada za boravak u bolnici se isplauju za svaki kalendarski dan boravka osiguranika u
bolnici, ali najvie do 100 dana, u roku od godinu dana od dana nastanka osiguranog
sluaja.
13. Osiguranici koji se osiguravaju po ovoj tarifi, razvrstavaju se u dva razreda
opasnosti u zavisnosti od vrste zanimanja i delatnosti preduzea u kojim rade, a prema:
rasporedu zanimanja koji ini sastavni deo ove Tarife. Ukoliko u rasporedu
zanimanja nije navedeno konkretno zanimanje osiguranika razred opasnosti se
odreuje prema srodnom zanimanju iz rasporeda;
rasporedu delatnosti preduzea koji ini sastavni deo ove Tarife.
Visina premijske stope, odnosno premije zavisi od razreda opasnosti.
Ako osiguranik ima vie zanimanja ili u svom redovnom zanimanju obavlja neke posebne
poslove za koje je predvien vii razred opasnosti, razvrstava se u razred opasnosti koji
odgovara najteem zanimanju.
14. Lica koja imaju povean rizik nastanka osiguranog sluaja (npr. ronioci) osiguravaju
se u skladu sa Posebnim uslovima za osiguranje uveanih rizika.
15. Premija se plaa do isteka ugovorenog trajanja osiguranja ivota, odnosno do smrti
osiguranika u toku ugovorenog trajanja osiguranja, odnosno do prestanka osiguranja
ivota po bilo kom osnovu ili kada je osiguranje ivota kapitalizirano, kao i nastankom
116
Premija za 1
(jednu) novanu
jedinicu bolnike
dnevne naknade
(u novanim
jedinicama)
Smrt usled
nezgode
Trajni invaliditet
Prelom kosti
1,5
1,5
50
II
1,8
1,8
100
OBRAUN PREMIJE
Tabela premija vai za obraun godinje premije.
Premija se obraunava posebno za svaki osigurani rizik prema ugovorenim osiguranim
sumama. Ako su premijske stope date u promilima (), premija se izraunava
mnoenjem osigurane sume odgovarajuom premijskom stopom i deljenjem dobijenog
proizvoda sa 1.000 (jednom hiljadom), tj. prema obrascu:
Premija =
117
Razredi
opasnosti
INDUSTRIJA I RUDARSTVO
1. Proizvodnja, prenos i distribucija elektrine energije .
I
2. Proizvodnja i prerada uglja
II
3. Proizvodnja i prerada nafte
II
4. Crna metalurgija .
II
5. Metalurgija
obojenih
metala
II
6. Proizvodnja,
oplemenjivanje
i
prerada
nemetala
.
I
7. Metalna
industrija
.
II
8. Brodogradnja
II
9. Elektroindustrija
I
10.
Hemijska industrija
I
11. Industrija
graevinskog
materijala
.
I
12.
Drvna industrija
I
13.
Proizvodnja papira
I
14.
Tekstilna industrija
I
118
15.
Industrija koe i obue ..
I
16.
Industrija gume .
I
17.
Prehrambena industrija
I
18.
Grafika industrija (novinska i izdavaka delatnost)
I
19.
Industrija duvana .
I
20.
Filmska industrija .
I
21.
Geoloka i rudarska istraivanja
II
22.
Ostala industrija (koja nije navedena)
I
POLJOPRIVREDA I RIBARSTVO
23.
Zemljoradnja .
I
24.
Ribarska delatnost .
I
25.
Stoarstvo .
I
26.
Vodoprivredne organizacije (melioracija) ...........
I
UMARSTVO
119
27.
umske slube i gazdinstva .
I
28.
Lov .
I
GRAEVINARSTVO
29.
Projektovanje ..
I
30.
Izgradnja ..
II
31.
Montaa
II
32.
Zavrni radovi u graevinarstvu
I
33.
Merenje i oznaavanje zemljita
I
34.
Ispitivanje zemljita i graevina .
I
35.
Graevinski radovi u vlastitoj reiji
II
SAOBRAAJ
36.
elezniki saobraaj ..
I
37.
Pomorski saobraaj
I
38.
Reni i jezerski saobraaj .
I
120
39.
Vazduni saobraaj .
II
40.
Drumski saobraaj ..
II
41.
Gradski - drumski i inski saobraaj .
I
42.
Transportna delatnost .
II
43.
Potanski, telefonski i telegrafski saobraaj ..
I
TRGOVINA I UGOSTITELJSTVO
44.
Trgovina na malo
I
45.
Trgovina na veliko ..
I
46.
Spoljna trgovina ..
I
47.
Trgovinske usluge
I
48.
Trgovinska poslovna udruenja
I
49.
Ugostiteljstvo
I
ZANATSTVO
50.
Prerada nemetala .
II
121
51.
Metalopreraivaka delatnost ..
II
52.
Izrada i popravka manjih plovnih objekata
I
53.
Proizvodnja elektrinih maina i pribora ..
I
54.
Proizvodnja hemijskih preparata ..
II
55.
Proizvodnja graevinskih materijala .
I
56.
Prerada drveta ..
I
57.
Prerada papira ..
I
58.
Proizvodnja tekstilnih proizvoda ..
I
59.
Prerada koe
I
60.
Proizvodnja gumenih i plastinih proizvoda
I
61.
Proizvodnja prehrambenih proizvoda ..
I
62.
Izrada peata i gravura .
I
63.
Proizvodnja i opravka u ostalim delatnostima zanatstva ..
II
64.
Graevinsko zanatstvo
I
65.
Zanatske, line i druge usluge .
I
STAMBENA I KOMUNALNA DELATNOST
122
66.
Stambena delatnost ..
I
67.
Komunalna delatnost
I
KULTURNA I SOCIJALNA DELATNOST
68.
kolsko-nastavna delatnost
I
69.
Nauna delatnost
I
70.
Kulturno-prosvetna delatnost .
I
71.
Umetniko-zabavna delatnost .
I
72.
Zdravstvena delatnost .
I
73.
Socijalna zatita
I
74.
Delatnost fizike kulture ..
I
DELATNOST DRUTVENIH I DRAVNIH ORGANIZACIJA I SLUBI
75.
Drutvene organizacije .
I
76.
Delatnost privrednih komora i sl. .
I
77.
Finansije i osiguranje
I
123
78.
Fondovi za socijalno osiguranje .
I
79.
Delatnost dravnih organa i slubi
I
80.
Ostale dravne delatnosti (koje nisu navedene) .
I
17.
S P O R T
Aeroklubovi
Alpinizam - planinarenje, puzanje po vrletima, penjanje na gleere
i skijanje bez obzira na visinu
Automobilizam i motociklizam : sa trkama, utakmicama, vonjama
za ocenu, reli i treninzima za njih
Atletika:
a) laka
b) teka, izuzev rvanja i boksa
Badmington
Bezbol
Biciklizam:
- bez trka i treninga
- sa trkama svih vrsta i treninzima za njih
Boks
Bodibilding
Fudbal
Gimnastika:
a) vebe na podu
b) vebe na spravama
Golf
Gocard
Gorska sluba spaavanja
Hokej:
a) na travi
b) na ledu i koturaljkama
Jahanje:
a) sportsko jahanje
b) galopske i kasake trke
c) trke preko prepona
Jedrenje, veslanje, plivanje i skijanje na vodi:
a) na moru
Razred opasnosti
II
II
II
I
II
I
II
II
II
II
II
II
I
II
I
II
II
II
II
II
II
II
II
124
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
b) na unutranjim vodama
Diu-dica i dudo
Karate
Kajak vonja
Klizanje na ledu
Koarka
Kuglanje
Lovaki sport
Logorovanje sa upranjavanjem raznih sportskih disciplina
Motociklizam, automobilizam i mopedizam:
a) sa trkama,utakmicama,vonjama za ocenu,reli i treninzima za njih
b) kontrolori i pratioci u automobilu ili na motociklu i auto-moto
trkama
c) mopedizam takmienje i treninzi
Maevanje
II
II
II
II
II
II
I
II
II
Odbojka
Organizatori sportskih takmienja:
a) za auto-moto sport (starteri, merai vremena, kontrolori staze,
zapisniari i redari)
b) za ostale sportove
Plivanje:
a) na moru
b) na unutranjim vodama
c) maratonsko plivanje
Planinarenje:
a) hodanje planinskim putevima do 3.000 metara nadmorske visine
iskljuujui penjanje po vrletima i penjanje na gleere bez obzira
na visinu
b) prethodno navedeno sa uobiajenim skijanjem bez uea u skijajakim utakmicama i treninzima za iste
c) alpinizam
Ribarstvo:
a) na otvorenom moru
b) priobalno, jezersko i reno
c) podvodni ribolov
Ragbi
Rvanje:
a) grko-rimski stil
b) slobodni stil
c) keeri
Rukomet
Ronioci
Sankanje:
a) na obinim sankama
b) na sportskim sankama za takmienje
II
II
II
II
I
I
I
I
II
II
II
II
II
I
II
II
II
II
II
II
II
I
II
125
II
39.
40.
41.
42.
43.
44.
45.
c) na bobu
Skijanje:
a) uobiajeno skijanje (turno skijanje do 3.000m nadmorske visine,
bez uea u utakmicama i treninzima za njih, takmienje u sportskom tranju)
b) na visinama iznad 3.000 metara
c) skijanje sa ueem u skijakim utakmicama i treninzima za njih
(skokovi, letovi, slalom, veslanje, spust, smuk itd.)
d) na unutranjim vodama i jezerima
e) na moru
Streljaki sport
Stoni tenis
Skokovi u vodu
Speleolozi
Sportske sudije
ah
Tenis
46.
47.
48.
49.
II
II
II
II
38.
II
II
II
II
II
I
I
II
II
I
I
II
126
Vrsta pregleda
obrazac ponude
A
A+B*)
A+B+D*)
A+C+D+E*)
127
Vrsta pregleda
obrazac ponude
A
A+B*)
A+B+D*)
A+C+D+E*)
128
129