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FAQ

When and at what value will the insurer perform the asset fund change?

The signatory may request at any time, with a declaration in writing, a modification in the proportions of the value of investment units recorded on their individual accounts between asset funds. The insurer shall perform the asset fund change on the basis of the number of units as at the day of the receipt of the request and at the value of the following value date, on the second value date after the receipt of that request. The request form can be downloaded from the page Nyomtatványok .

If a signatory submits a request for diverting insurance fees, when will the new sharing of charges come into force?

The signatory may request at any time, with a declaration in writing, a modification in the split ratio of the regular insurance fees becoming due in the future and the non-recurring fees payable in the future between the asset funds. The insurer invests, from the business day that follows the receipt of that request, the identified insurance fees in accordance with the new split ratio. The request form can be downloaded from the page  Nyomtatványok .

When and at what value will the insurer invest the non-recurring fees?

If the appropriate identifiers are available, the insurer shall identify the fee on the business day that follows the receipt of that fee, at the latest. The insurer credits the identified insurance fees, in the form of investment units specified in the contract, on the day of their identification. Insurance fees are converted into investment units by the insurer at the value of the valuation date preceding the crediting of those fees, in accordance with the split ratio for non-recurring fees among the asset funds. If the Signatory did not specify, at the time of the proposal, a split ratio among asset funds for the non-recurring fees, the fee shall be invested in the Euro-based Capital-protected Money Market Asset Fund, in full.

When will payment be made in the event of redemption?

The insurer pays the redemption amount to the signatory within 8 days from the receipt of all documents required for a disbursement. With the disbursement of the full redemption amount under the contract, the insurance is terminated.

What happens if a signatory pays the regular insurance fee prior to the fee’s due date?

Insurance fees paid and recognised are converted into investment units by the insurer at the value of the valuation date preceding the crediting of those fees, in accordance with the split ratio for non-recurring fees among the asset funds. In the absence of such a specification, the conversion of the fee into investment units shall take place on the basis of the split ratio for regular fees, among asset funds. On the day when the regular fee becomes due, the insurer reduces, in accordance with the regular fee becoming due, the number of the investment units purchased, and then the amount of the insurance fee that became due, reduced by the administration fee and allocation charges, shall be converted into investment units, in accordance with the split ratio for regular fees among the asset funds. Doing so, the insurer uses the value as at the valuation date preceding the implementation date. This value can be different, higher or lower, from the value at which the fee paid was converted into investment units under Section a). Hence, in the event of an eventual decrease in value, the value of the investment units purchased after the payment may not provide cover for the regular fee as of the date when it became due.

What happens in the event of an automatic fee supplement?

From the non-recurring fees, non-recurring investment units are created, from which the insurer is entitled to settle the regular insurance fee becoming due – on the day when it becomes due or, in cases where the amount of the prescribed amount of the regular fee is not available on the account of non-recurring items, on the earliest day when the cover is available. Doing so, the insurer reduces, in accordance with the regular fee becoming due, the number of the investment units purchased, and then the amount of the insurance fee that became due, reduced by the administration fee and allocation charges, shall be converted into investment units, in accordance with the split ratio for regular fees among the asset funds. The reduction of the number of non-recurring investment units takes place in a way to ensure that, after the withdrawal of the units, the current split of the fees among asset funds shall not change in respect of the value of the account for non-recurring items.

What should I have at hand when I wish to conclude a Pannónia Klikk Life Insurance policy?

Personal presence of the insured person(s) is required in all casesWhen the signatory is a private person:Personal presence of the signatory is required.Personal identification document (such as a personal ID card, passport or driver's licence), official address card, a document certifying the tax identification number, a bank account number (for transfer and direct debit authorisations)When the signatory is a business association (Kkt., Bt., Kft., Zrt., Nyrt.) or a cooperative, the personal presence of the signatory’s official representative (in the case of joint representation, representatives) is required.A publicly certified corporate file not older than 30 days or a certified copy thereof, specimen signature, identification document(s) of the representative(s) (such as personal identification document, passport or driver’s licence), official address card, a bank account number (for transfer and direct debit authorisations)When the signatory is a foundation or association:Personal presence of the representative(s) of the signatory is required.A certificate issued by the competent court, not older than 30 days, on the filing and existence of the organisation, specimen signature, a document certifying the tax identification number, identification document(s) of the representative(s) (such as personal identification document, passport or driver’s license), official address card, a bank account number (for transfer and direct debit authorisations)When the signatory is a private entrepreneur, if the life insurance was concluded by them in that capacity:Personal presence of the signatory is required.A copy of the business licence or a certificate from the competent authority on the recording of the entrepreneur, not older than 30 days, personal identification document (such as a personal ID card, passport or driver's license), official address card, a document certifying the tax identification number, a bank account number (for transfer and direct debit authorisations)When the signatory is not a natural person and does not fit into the above:

Please contact our customer service.Further important information:When the signatory or beneficiary is a minor or is under guardianship:Please contact our customer service.Telephone number and e-mail address must be provided in every case; we therefore request you to create an electronic mail account prior to your personal visit, if you don’t already have one.

When I send an e-mail to the insurer, what is the file size for attachments?

The size of any attached file cannot be more than 8 MB, and the total size of the message cannot be more than 10 MB.