Good Value for Money analysis of the general conditions of Conservateur Protection Famille (CPF) death insurance

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Family Protection Registrar (CPF)

Good value for money analysis of the general conditions

Version per 25 October 2022

Reference elements

  • Insurance company:
    • Mutual insurance The trustee
  • Contract type:
    • Insurance contract Death and total and irreversible loss of autonomy (PTIA)
  • Contract type:
    • Collective with individual subscription
  • Signing entity in the collective agreement:
    • Association MIP (Interprofessional Provident Movement)
  • Version of the analyzed general conditions:
    • Agreement No. 1327 A (09/2020)
  • Contract status:
    • Open for new subscriptions

Insured risks

  • Basic Warranty(s):
    • Payment of capital to the designated beneficiary(ies) in the event of the insured’s death due to illness or accident
    • Payment of capital to the insured in the event of total and irreversible loss of autonomy (PTIA) after illness or accident
  • Additional warranty(s) associated with the basic warranty(s):
    • Payment within 48 hours of financial assistance a maximum amount of €10,000 in the event of death from any cause in the form of an advance on the capital due to the beneficiary(ies)
    • Temporary death guarantee (limited to 100% of the subscribed capital as well as €150,000) in the event of the accidental death of the member between the date of signature of the policyholder’s membership application and the effective date of the contract after the registration of the file and the return of the medical committee
  • Possible options
    • Annual revaluation of the guaranteed capital
    • Education pension guarantee
  • Optional warranty(s):
    • Accidental doubling
    • Double acting
    • IPT (Permanent and Total Disability) Capital

Maximum access and coverage age

  • Minimum/maximum age for entry into the guarantee:
    • at least 18 years old
    • 55 years maximum for the facultyGuaranteed capital increase
    • 65 years maximum for guarantees PTIA, Doubling accident, IPT capital
    • 75 years at maximum for guarantees Death, Double effect, Financial assistance, Education pension option
  • Age for expiry of guarantee:
    • 85th anniversary of the insured for the guarantees Death and financial assistance
    • 85th spouse’s birthday by the insured or by the person linked to the insured by a PACS for the guarantee Double acting
    • 75th anniversary by the insured for the option Education pension
    • 67th anniversary of the insured for PTIA and Double Accident guarantees
    • Retirement date of the insured for the IPT capital guaranteeand at the latest 67th birthday of the insured

Maximum insurance capital

  • Death benefit :
    • €10,000,000 limited to €1,500,000 from age 75
  • Guarantee Financial assistance in case of death :
    • Advance of a maximum amount of €10,000
  • Temporary death guarantee:
    • 100% of the death capital with a ceiling of €150,000
  • Guarantee PTIA:
    • €10,000,000subject to a PTIA from the insured after an illness or accident, consolidated before his 67th anniversary
  • Guarantee Double effect:
    • 100% of the death capital with a ceiling of €4,000,000
  • Guarantee Doubling accident:
    • 100% of the death capital with a ceiling of €4,000,000
  • Guarantee IPT capital:
    • 100% of the death capital with a ceiling of €1,500,000 lowered to €500,000 from age 60
  • Guarantee Education pension:
    • The option is likely to be taken at any time by the member
    • 100% of the death capital with a cap of €1,00,000 all beneficiaries together
  • Guarantee Annual revaluation of the guaranteed capital:
    • Option to be used when signing up for the contract, if relevant
    • Annual indexing depending on the rate of development of Annual Social Security Cap (PASS) observed on the 1steh January each year
  • Faculty ofIncrease of capital :
    • Option that can be activated by the member at any time
    • Possibility to increase the guaranteed capital up to € 1,000,000 without additional medical formalities, subject to compliance with the following provisions:
      • Medical acceptance without additional premium for less than 3 years within the framework of the subscription in question;
      • Capital increase that does not result in a change of tranche in the medical selection scheme;
      • Financial justification for the need for a capital increase;
      • Explicit and written agreement from the insurance company resulting in a change after membership;
      • Certification from the insured that his state of health has not changed since taking over and that the insured has no plans to undergo diagnostic tests during the next 6 months.

Conditions for coverage

  • Definition of total and irreversible loss of autonomy (PTIA):
    • Determination of this rate by a Medical adviser for mutual insurance The curator
    • Use of a table crossing occupational permanent disability and functional permanent disability
    • Minimum degree of disability requirement given by this table at least 65%

Medical choice (extract)

  • Guarantee up to €150,000:
    • up to 49 years:
      • Simplified Health Questionnaire (QSS)
    • from 50 to 75 years:
  • Guarantee from €150,001 to €250,000:
    • up to 40 years:
      • Simplified Health Questionnaire (QSS)
    • from 41 to 64 years:
    • from 65 to 75 years:
      • Medical Questionnaire
        + Biological examinations, including TCU for policyholders who declare themselves non-smokers
        + Medical report completed by the forensic pathologist
        + Medical report completed by cardiologist with resting ECG accompanied by his report
  • Guarantee from €250,001 to €350,000:
    • Up to 55 years:
    • from 56 to 64 years:
      • Medical Questionnaire
        + Biological examinations, including TCU for policyholders who declare themselves non-smokers
    • from 65 to 75 years:
      • Medical Questionnaire
        + Biological examinations, including TCU for policyholders who declare themselves non-smokers
        + Medical report completed by the forensic pathologist
        + Medical report completed by cardiologist with resting ECG accompanied by his report

Coverage of certain professions / medical or sporting risks / work etc.

  • Risks that must be disclosed at the time of subscription, which can be redeemed by the member

Special units

  • Pair Membership:
    • Tariff reduction of 10% on each head for simultaneous membership of a married couple or PACS couple
  • Membership made by a tontine member of the curator:
    • 20% price reduction

Discounts are not cumulative. Most advantageous applies where applicable.

To learn more about the analysis of good value for money, click on the following link: https://www.goodvalueformoney.eu/product/selection-sel0000491-conservateur-protection-family-cph-selection-2022-2023

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