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    In short

    Life is simpler when you have a back-up plan for the unexpected. If you're a frequent credit card or overdraft, we suggest life insurance specifically designed to protect you in at all times.

    How does it work?

    We wanted to make sure you're protected no matter what. So we offer you insurance that, depending depending on your socio-professional status (employed in the public or private sector, PFA, retired), offers you cover for the following types of events:

    Death as a result of illness or accident
    Insurance covers the loan balance so your family gets out of debt
    Involuntary loss of employment
    The insurance covers a maximum of 6 monthly benefits per event and 12 benefits in total
    Hospitalisation due to accident or illness
    The insurance covers a maximum of 2 monthly allowances during one year of insurance
    • Death from any cause

    Costs

    You will pay 2.68 lei for every 1000 lei used from your credit limit.

    If at the end of one month you haven't used your credit line, you don't need to pay next month's premium, but the insurance remains in force and you will be reimbursed if you use the line the following month. and do not pay back the full amount.


    Extra-benefits

    The first 3 months of insurance (the month in which you buy the insurance and the following 2 months) are free. The premium is calculated according to the amount of credit limit used. You can take out insurance on the spot without medical examination, only an affidavit is required.

    How do you get insurance?

    Insurance attached to credit or overdraft cards is available exclusively in the BT branch network.

    You can only take out this type of insurance if you have a BT shopping or overdraft card.

    Program directly into a BT unit.

    See list BT establishments 
    Ask BT is Banca Transilvania's largest online financial education program, with over 2,000 banking questions and answers.
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    Powered by Azure OpenAI GPT4
    AI Search provides automatically generated responses, using GPT4 technology, which may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT4 technology to simplify the process of finding and understanding banking products.

    AI Search is trained to answer questions that are exclusively related to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

    AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.