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    In short

    It is less likely that life will catch you by surprise if you are one step ahead of the unexpected.

    Optimism Insurance from Metropolitan Life is designed for such unexpected moments that can unbalance you emotionally and financially. Such as an oncological diagnosis.

    This insurance is your safety net, taking care of the costs involved from the start of the treatment to the monitoring of post-therapeutic progress.

    Packages

    Interest for deposits in lei

    Age
    Insured amount Platinum Insurance Package
    Insured amount Premium insurance package
    Insured amount Standard Insurance Package
    18-44 years old
    80,000 lei
    65,000 lei
    45,000 lei
    45-54 years
    35,000 lei
    30,000 lei
    20,000 lei
    55-64 years
    21,000 lei
    18,000 lei
    14,000 lei

    All insurance packages also include the extra benefits:

    • Telemedicine – you can quickly get any medical advice, nonstop
    • Telediagnostic – you have free access to a second medical opinion from a team of internationally recognized expert doctors

    How does it work?

    1

    Choose one of the 3 insurance packages: Platinum, Premium or Standard

    2

    You choose the insurance coverage area: individual or extended (family)

    3

    You find out the insurance premium calculated based on the chosen package. Don't forget, it will be automatically withdrawn from the account on the first day of each month

    Eligibility criteria

    You can conclude this type of insurance if:

    • Do you have an account open with us
    • Do you agree to be contacted to present you the insurance details

    How do you get insurance?

    Metropolitan Life life insurance packages are available only through the phone. Metropolitan Life specialists will contact you to present the insurance conditions and to help you choose the best option for you.

    We will contact you

    First of all, make sure that you have given your marketing consent in order to be contacted by BT's partners.

    I want to be called

    Talk to a BT representative and find out what insurance and saving solution is suitable for you.

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    Optimism Insurance

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    Ai Search
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    Întreb BT is the largest online financial education program of Banca Transilvania, with over 2,000 questions and answers about banking.
    Frequently Asked Questions
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    AI Search provides automatically generated answers, using Claude-Haiku-4.5 technology and an advanced agent orchestration mechanism. The answers may contain inaccurate or potentially offensive content, which does not represent the point of view of Banca Transilvania. You are solely responsible for the use of the content generated by this service. Read .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta version - that uses Claude-Haiku-4.5 technology to simplify the search and understanding process of banking products.

    AI Search is trained to answer questions exclusively related to 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 generated automatically and should be used for informational purposes only. The service may sometimes provide inaccurate or potentially offensive content that does not represent the point of view of Banca Transilvania. You are solely responsible for using 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 it.

    Using AI Search requires acceptance of the Terms and Conditions.

    Access to and use of the service implies unconditional acceptance of these terms and conditions. If you do not agree with 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 all risk regarding the quality, safety, and performance of this service.

    Banca Transilvania does not provide any warranty regarding the answers given by this service.

    AI Search provides algorithmic answers 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 Bank's responsibility for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obliged not to provide or enter any personal data or other confidential information in the messages/questions sent. In case of non-compliance with this obligation, by inserting personal data/confidential information within AI Search, you express your consent for their processing in order to provide the service (answers to the questions you ask), as well as for the improvement of the robot's algorithmic model by its developer.

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

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

    Users are responsible for the questions and messages addressed during the use of AI Search. Any abuse or inappropriate language may lead to the termination of the interaction.

    AI Search does not provide financial, legal, or professional advice and does not replace consulting human experts or specialized professionals in the respective field. Users should not rely on the information provided by AI Search for decision-making.

    The bank reserves the right to interrupt the AI Search service at any time, without prior notice.

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