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    In short

    Life is simpler when you have a backup plan for every unforeseen situation. If you frequently use a credit card or an overdraft, we suggest the life insurance specially created to keep you protected at all times.

    How does it work?

    I wanted to make sure that you will be protected regardless of the situation. Thus, we offer you an insurance that, depending on your socio-professional status (employee in the public or private sector, self-employed, retiree), offers you coverage for the following types of events:

    Death as a result of an illness or an accident
    The insurance covers the credit balance and thus your family gets rid of debt
    Involuntary job loss
    The insurance covers a maximum of 6 monthly allowances for each event and 12 allowances in total
    Hospitalization caused by accident or illness
    The insurance covers a maximum of 2 monthly benefits within one insurance year
    • Death from any cause

    Costs

    You will pay 2.68 lei for every 1000 lei used from the credit limit.

    If at the end of a month you have not used the credit line, you do not need to pay the premium for the following month, however the insurance remains in effect, and you benefit from compensation if in the following month you use the credit line and do not return the entire amount.


    Extra-benefits

    The first 3 months of insurance (the month in which you buy the insurance and the following 2 months) are free. The insurance premium is calculated based on the amount used from the credit limit. You can get the insurance on the spot without a medical exam, only a self-declaration is required.

    How do you get insurance?

    The insurance attached to credit cards or overdraft is available exclusively in BT units.

    You can only get this type of insurance if you have a BT shopping card or overdraft.

    Schedule directly at a BT unit.

    See the list of BT units
    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.
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    AI Search offers automatically generated answers, using Claude-Haiku-4.5 technology and an advanced orchestration mechanism through agents. 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 process of searching and understanding 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, which does not represent the view of Banca Transilvania. You are solely responsible for using the content generated by this service in any manner. 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.

    The use of AI Search implies 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 algorithmically provided by an artificial intelligence model, you assume all risk regarding the quality, safety, and performance of this service.

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

    AI Search provides algorithmically generated answers and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Transilvania Bank and cannot engage the Bank's responsibility for the provided content.

    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 the processing of such data for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot 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 offered by AI Search is for informational purposes only.

    Users are responsible for the questions and messages addressed within the use of AI Search. Any abuse or inappropriate language may lead to the interruption 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 reviewed/updated at any time.