Göndereceğiniz her bir SMS, Avea ve Turkcell aboneleri için 0,50 kr.; Vodafone aboneleri için 0,40 kr. olarak ücretlendirilecektir. Ücretlendirmeye KDV ve ÖİV dahildir. Operatörün SMS ücretinde değişiklik yapma hakkı saklıdır.

Credit Protection Insurance

Everyone utilising mortgage, consumer loan or vehicle loan from İş Bank, is under protection!

By the Credit Protection (Unemployment) Insurance, in cases of death or total and permanent disability, we pay all of your credit debt; if you face risks such as involuntary unemployment, temporary disability or hospitalisation, we pay at maximum 6 instalments of your credit debt to İş Bank.

Do not postpone your plans claiming that you are not able to predict your future, with the Credit Protection Insurance, be comfortable about possible risks!

You may make your Credit Protection (Unemployment) Insurance applications through the branches of İş Bank.
Features
If you are a healthy individual at the age of 18 or above, you may benefit from the Credit Protection (Unemployment) Insurance.

The term of insurance coverage shall vary from 1 year to 5 years according to repayment period of the credit you utilise. Term of your insurance shall be equal to the term of your credit. Sum of your age and the insurance term may be maximum 65.

Credit Protection (Unemployment) Insurance includes coverage for death, total and permanent disability and additionally, depending on your professional status;

  • If you are a private sector wage-employee; coverage for involuntary unemployment,
  • If you are a self-employed person or a public sector employee; coverage for temporary disability,
  • If you are retired, but work on full time basis and uninterruptedly; coverage for hospitalisation.


Death benefit amount shall be determined according to the amount of your credit.

Maximum limit of benefit amounts for death, total and permanent disability, shall be TRY 250.000 in mortgage loans, TRY 64.800 in consumer and vehicle loans. Maximum limit of benefit amounts for involuntary unemployment, temporary disability, hospitalisation, shall be TRY 4.500 monthly in mortgage loans, TRY 2.250 monthly in consumer and vehicle loans.

In cases of death or total and permanent disability, we pay all of your credit debt to İş Bank.

In cases of involuntary unemployment, temporary disability, hospitalisation, we pay at maximum 6 instalments of your credit payments.

Advantages

Tax Advantage:

You may deduct all of the premium amount you pay for yourself, your spouse and minor children, from your income tax basis; not to exceed 15% of the income you earn during the month when you pay the premium and the total annual amount of minimum gross wage, at the rates varying between 15% to 35% according to tax bracket in the then-current month.

For detailed information regarding tax advantage and applications thereof, please contact us.

To have deduction in your income tax basis, you may use your credit card account statements.
Payments
​Your premium shall vary depending on the type, amount, term and interest of the credit you utilise.

You may pay your premiums by advance payment and in TRY.

If any incident of death, total and permanent disability, involuntary unemployment, temporary disability or hospitalisation occurs, you or your loved ones may call our 444 55 00 Information Line and may claim benefit payment by indicating the policy or İş Bank client number.