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Banca Privada d'Andorra - Insurances

We are committed to you.

At BPA Insurances we are always beside you, along your path and taking care of all the things that are important to you. We believe that, in order to enjoy life, you must be free from concerns.

BPA Insurances offers you high-quality products which are adapted to your needs, guaranteed and swiftly processed.

 

BPA Assegurances Pension Schemes

Forecasts over the capacity of the public pension scheme advise that we should take a private pension scheme in order to guarantee that your retirement allowance matches your expectations. The main advantages the pension schemes that are commercialized by BPA Assegurances are as follows:

  • Tax advantage with regard to income tax during the period of contributions.
  • Tax deferral: it allows you to increase your investment returns since the latter are not subject to withholdings during the period of contributions period.
  • Mobility between pension schemes: it is possible to move or change between pension schemes with different investment policies without having to pay tax and maintaining all the tax advantages.
  • Savings capitalization: the sooner you start to save, the largest the savings capitalization effect will be.
  • Tax advantage upon retirement: upon surrender, the income that is obtained becomes taxable as work income, which is currently benefitting from a tax exemption of the first Euros 24,000 and from a deduction that is equivalent to 5% for the range between Euros 24,000 and 40,000.
  • Flexibility when paying contributions: periodical and lump sums.
  • Flexibility when paying surrenders: capital, income (temporary or lifelong), mixed, irregular...

 

BPA Assegurances offers two pension schemes modalities:

Guaranteed Plan

For those who wish a conservative plan and who want to have a guaranteed capital at any time, thus benefitting from a minimum return without losing purchasing power because of the inflation.

Plan acording to risk profile

Three modalities: conservative, mixed and aggressive. The participant may achieve attractive returns, but he/she assumes completely his/her investment risk.

In both types of plan, the participant may move between the different modalities (including the guaranteed plan).

 

BPA Estalvi Garantit

Foresight is the key to build a good future. With BPA Estalvi Garantit you will be able to have peace of mind with regard to your future, with no need to sacrifice your present. Therefore, you may contribute whenever you want and as much as you want, so you can save, step by step, the capital that you will need for your retirement.

  • Minimum yield guaranteed and an additional yield according to the evolution of interest rates (six-monthly reviews).
  • Flexibility to choose the amount and frequency of payments, to make extra lump sums and to choose how you wish to be paid: with a temporary or lifelong income or a one-off capital.
  • Liquidity which will allow you to avail of your entire investment immediately.
  • Guaranteed securities with redemption rights, deduction and advance. Six-monthly review of the additional interest rate.
  • Extra guarantee in the event of death with an additional 10% coverage for the beneficiaries. The aforementioned insurance policy allowance will be limited according to the age of the insured person, following the scale below:
Up to 50 years Euros 3,000
From 51 to 65 years Euros 1,200
More than 65 years Euros 600

 

BPA Vida

With the policy BPA Vida we guarantee your personal stability, by protecting your economic interests in the event of any unexpected situation such as invalidity or sudden death. With BPA Vida your businesses, mortgages and other projects will never become a burden to your family.

Maximum cover for you and your family

The insurance BPA Vida adapts to your needs.

  • Death for any cause: the insured capital sum will be paid to the beneficiaries of the policy.
  • Death caused by an accident: the beneficiaries of the policy shall be paid double the insured capital sum (optional).
  • Death caused by a traffic accident: the beneficiaries of the policy shall be paid triple the insured capital sum (optional).
  • Absolute and permanent invalidity for any cause: the insured capital sum will be paid to the beneficiaries of the policy.
  • Absolute and permanent invalidity caused by an accident: the beneficiaries of the policy shall be paid double the insured capital sum (optional).
  • Absolute and permanent invalidity caused by a traffic accident: the beneficiaries of the policy shall be paid triple the insured capital sum (optional).

Flexibility for your economy

We offer you the maximum flexibility on how to pay the premium (monthly, quarterly, six-monthly or annually), when choosing the insured capital sum and on how to be paid your benefits: as a capital or through a regular income.

Moreover, you will obtain interesting discounts for joint insurances.

 

BPA Complement Salut

Your health and your family’s health is most important to you. And it is so for us. So you can enjoy every moment of your life without being concerned about the future and its unexpected events, we offer you the most complete protection.

In order to cover all the needs you may have, BPA Complement Salut offers you health assistance covers, sick leaves and even a basic cover for death or invalidity.

Also, with BPA Complement Salut you may forget about expenses generated by medical actions and operations. Can you believe such peace of mind?

Main covers

  • Health assistance: guarantees a complementary compensation added to benefits covered by the CASS (Andorran Social Security fund) up to 100% of the amount reimbursed by the CASS. Possibility to extend covers.
  • Sick leave: guarantees compensation up to 100% of the contracted base salary in the event of a temporary sick leave.
  • Death caused by any cause: the beneficiaries will receive a capital sum as compensation.
  • Death caused by an accident: the beneficiaries of the policy shall be paid double the insured capital sum as compensation.
  • Absolute and permanent invalidity: the beneficiaries will receive the insured capital sum.
  • Free medical second opinion: for the most important illnesses. We shall suggest the best doctor –in terms of proximity and specialty–, thus guaranteeing our customers’ peace of mind.

We also care about your economy

  • Maximum flexibility in terms of payment and having your salary directly transferred into your account.
  • Quickness in the payment of compensations.
  • Interesting discounts for family insurances.

 

BPA Assegurança d’Accidents

Life is full of unexpected situations and we want to be always by your side in order to help you facing them. We want you to enjoy as much as you can the moments of happiness with your family or with your friends, free from concerns.

The accident insurance policy from BPA Assegurança d'Accidents is the best complement you may have in order to guarantee enough capital to allow you or your family to face any unexpected situation.

We help you with unexpected situations

The accident insurance policy from BPA Assegurança d'Accidents adapts to your needs and it offers you the most appropriate benefits.

  • Death caused by an accident: the beneficiaries of the policy shall be paid the insured capital sum.
  • Absolute and permanent invalidity caused by an accident: the beneficiaries of the policy shall be paid the insured capital sum.
  • Partial and permanent invalidity caused by an accident: the beneficiaries of the policy shall be paid a percentage of the insured capital, fixed according to the fractional table.

We help you with your economy

  • Maximum flexibility on how to pay the premium (monthly, quarterly, six-monthly or annually), when choosing the insured capital sum and on how to be paid your benefits: as a capital or through a regular income.
  • Interesting discounts in joint insurances.