İşbank and Anadolu Hayat Emeklilik provides credit card holders with Unemployment Insurance service within the scope of “Credit Card Payment Protection Insurance (Unemployment Insurance)” which is provided to consumers of cash, vehicle and housing loans. Debts of İşbank credit card owners are under guarantee with monthly paid premium amounts. Credit card debt is paid in the name of our customers in case of unemployment, loss of life, total and permanent disability, temporary disability or hospitalization. Last account abstract debt including installments regarding future months in the account abstract are under guarantee with Credit Card Payment Protection Insurance (Unemployment Insurance) in case of unemployment of our wage workers costumers. The same guarantee is given for self-employed persons and civil servants in case of temporary disability. Retired costumers working full time and continuously can utilize from the same guarantee in case of hospitalization. Moreover, the credit card debt is paid in the case of loss of life, total and permanent disability. Credit card debt is taken under guarantee up to 10,000 TL per a credit card within the scope of this implementation. Insurance premium amount is covered as 1% (one percent) of the account abstract debt. Fixed guarantee at the amount of 50 TL is also taken for overdue interest and limit exceeding fee. No premium payment is made if there is no credit card debt. To utilize from the guarantee in the scope of Credit Card Payment Protection Insurance (Unemployment Insurance), customers should apply to Anadolu Hayat Emeklilik by documenting risk realization. To utilize from unemployment guarantee: - Passing of 90 days following the effective date of the policy (if the policy is renewed next year, the period is not applied)
- Unemployment or temporary disability last for 30 days incessantly and hospitalization lasts for 7 days as of the date of the risk
- Working with employment relation for at least 6 months before the date of risk realization are required.
The insured should be working at least for 6 months before the date of unemployment. Temporary disability or hospitalizations have to be lasted continuously for 30 days. Credit Card Payment Protection Insurance (Unemployment Insurance) can be sold for at most five İşbank credit card. Moreover, additional cards will be taken within insurance scope in case of application of main card owner. Application for Credit Card Payment Protection Insurance (Unemployment Insurance) can be made via all İşbank Branches. * Company credit cards, Retailer Credit Cards, Visa Classic Abroad and İş’te University credit cards are not insured.
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