Why choose life insurance for credit cards or overdraft? - IntrebBT | Banca Transilvania

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Only for BT clients

Why should I opt for life insurance for credit cards or overdrafts?

➤ You benefit from a free period of up to 3 months (taking into account the month in which the insurance is purchased and the following 2 months);

➤ The premium is first calculated based on the utilized amount. The premium rate is 0.268% applied monthly only to the utilized value from the credit line;

➤ If at the end of a month you have not used any of the credit line, you do not have to pay the premium the following month, however the insurance remains valid and you benefit from compensation if in the following month you use the credit and a insured event occurs;

➤ In case of death, situations caused by pre-existing medical conditions are not excluded. 😊

Last update

2026-06-12

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