Because no one is safe from injury during daily or professional activities, when using a vehicle for personal or professional purposes, or when participating in sports, and since accidents are not automatically covered by insurance, Crédit Populaire d’Algérie offers "HAYATI" accident insurance. It provides compensation to the insured in the event of bodily injury, whether it occurs during professional or personal life.
What is "HAYATI" accident insurance?
“Hayati” accident insurance guarantees compensation if the policyholder is injured in an accident, whether at work or in their personal life.
Who is it for?
“Hayati” accident insurance is intended for employees, people working in liberal professions, craftsmen, merchants, taxi drivers, drivers employed by transport companies, students, schoolchildren and people working temporarily in sectors such as Public Works and Hydraulics Construction, hydrocarbons, tourism, etc.
What compensation is covered by accident insurance?
- Reimbursement of medical and pharmaceutical expenses;
- Reimbursement of surgical and hospitalisation expenses;
- Reimbursement of part or all of the capital in case of partial or total permanent disability;
- Payment of capital to beneficiaries in the event of the policyholder’s death.
Why choose “Hayati” individual accident insurance?
Thanks to its competitive rates, “Hayati” individual accident insurance is valid both inside and outside the country. The policyholder can claim for any type of permanent disability (total or partial).
Additionally, policyholders can nominate beneficiaries to receive the payout in the event of their accidental death.
What formalities are required for subscription?
No risk declaration is required prior to signing the insurance contract.
In what forms is this product available?
- Individual subscription: Allows subscription to an insurance contract for a single insured person.
- Collective subscription: Allows subscription to an insurance contract for a group of insured persons, with no minimum or maximum number condition.
Natural Disaster Insurance (CATNAT) for Individuals:
Who is it for?
This mandatory insurance is for:
- Any physical or legal person (excluding the state) who owns real estate built and located in Algeria.
- Any property owner (natural or legal person) conducting industrial and/or commercial activities.
What disasters are covered by CATNAT?
This contract covers natural disasters officially declared by the public authorities. It covers all damage caused by the following events:
- Earthquakes
- Floods and mudslides
- Storms and strong winds
- Landslides
Covered damages
- For residential real estate owners: the obligation only applies to insurance for damage to the property itself, i.e., the buildings.
- For industrialists and merchants: the insurance obligation covers damage to installations (buildings) and their contents such as furniture, equipment and goods.