Insurance

Optimal Casco insurance is a special type of coverage offered by PASHA Insurance exclusively for Kapital Bank/Birbank clients. Key advantages include multiple package options tailored to customers’ budgets, the possibility of installment payments, and comprehensive coverage terms. Customers can conveniently obtain Optimal Casco insurance either online or by visiting any Kapital Bank/Birbank branch.

To purchase insurance online, applicants typically need to provide their identification document and contact details. Depending on the insurance type, additional documents may be required. For example:

• Vehicle-related documents are required for Optimal Casco insurance
• Loan details are needed for Credit Life Insurance

The exact requirements vary by product and can be confirmed on the official Birbank website or at a branch.

The cost of online insurance products depends on several factors, including:

• Type of insurance
• Coverage amount
• Policy duration
• Customer’s age and health status
• For vehicle insurance: make, model, and production year of the car

Some products also allow for installment-based payments. To get an accurate quote, it is recommended to visit the official Birbank website or contact a branch.

To calculate your insurance cost on Birbank’s official website:

1. Visit https://birbank.az/
2. Go to the “Insurance” section
3. Select the desired insurance product
4. Review the coverage and service details on the product page
5. Use the available calculator and enter the required information
6. Review the proposed insurance amount and payment terms

This is a hybrid insurance product offered by Kapital Bank/Birbank that combines life insurance protection with investment opportunities. While providing financial security against various life risks, it also allows the accumulated funds over a specified period to earn interest income. As a result, policyholders benefit from both insurance protection and financial returns. This product is ideal for those seeking long-term financial planning and also ensures financial support in case of unexpected events.

What are the benefits of unemployment insurance? (headline - h3)

Unemployment insurance provides financial protection for Birbank clients in the event of job loss. It is particularly designed for holders of cash loans and installment cards. Key benefits include:

• Coverage of outstanding credit obligations
• Support in repaying debts during unemployment
• Reduction of financial burden

This insurance product helps clients maintain financial stability during uncertain times.

What risks are covered by the 100x Life Insurance? (headline - h3)

100x Life Insurance offers financial protection in the event of bodily dysfunction caused by accidents or terminal illnesses. Coverage includes:

• Loss of organ function
• Disability
• Illness-related risks
• Medical and financial consequences of accidents

This product is ideal for individuals who want to protect themselves and their families against unforeseen medical events.

Student insurance is a product that covers initial medical expenses in the event of accidents involving children studying within Azerbaijan or abroad. It provides financial protection during:

• School activities
• Extracurricular events
• Unexpected accidents or injuries

This insurance gives parents peace of mind by ensuring their child's safety and health are protected throughout their education.

How can I obtain personal accident insurance? (headline - h3)

To purchase Personal Accident Insurance, you can:

• Visit the official Birbank website and select the relevant insurance product
• Or apply directly at any Kapital Bank/Birbank branch

The process is simple and accessible both online and offline.

What does credit life insurance cover? (headline - h3)

Credit Life Insurance protects borrowers from financial risks in the event of death or disability. If an insured person passes away or becomes permanently disabled, the insurance covers:

• Outstanding loan repayments
• Financial relief for the borrower’s family or close relatives

This product is designed to reduce the financial burden on loved ones in difficult circumstances.

To apply for online insurance, follow these steps:

1. Select a product: Go to Birbank’s official website and choose the insurance product that suits your needs.
2. Fill in your information: Complete the online form with your personal details, contact number, and relevant insurance data.
3. Review your quote: Check the suggested insurance amount and payment terms.
4. Upload documents: Provide the required documents (e.g., ID card, vehicle documents).
5. Confirm payment: Complete the online payment or choose the installment option.
6. Confirmation & documentation: After approval, your insurance policy will be sent to your email or added to your account.

To protect yourself from phishing scams, it is essential to follow certain cybersecurity practices. Never click on suspicious links or attachments sent via email or SMS, and never share your personal information. When entering sensitive data online, always ensure that the website URL starts with “https://”. It is also important to install reliable antivirus software on your devices and keep it up to date. Avoid sharing your card details, PIN codes, or other sensitive information with anyone. Be cautious when entering card information at ATMs or POS terminals, and ensure there are no suspicious individuals nearby. Finally, for insurance or any other banking services, use only the official Birbank website or mobile app. 

Yes, it is. We offer this insurance product with flexible payment terms, allowing you to pay in installments based on an agreed schedule. This makes it easier to manage your financial obligations without compromising coverage.

We offer a wide range of insurance products, including:

• Optimal Casco Insurance — For vehicle owners, protecting against various risks
• Income-Generating Life Insurance — Combines life insurance and investment benefits
• Unemployment Insurance — Helps credit or installment cardholders meet loan obligations in case of job loss
• Personal Accident Insurance — Provides financial coverage in the event of accidental injuries
• Credit Life Insurance — Offers financial protection in case of death or disability during a loan term
  
   
• 100x Life Insurance — Covers major health issues or injuries due to serious accidents
• Student Insurance — Protects school-aged children from the financial impact of accidents

Each product is designed to meet specific needs, offering peace of mind and financial security for different life situations.