Insurance service is provided by ADB Compensa Vienna Insurance Group Eesti filiaal (Seesam), registration number 12970620, address Maakri 19/1, 10145 Tallinn, Estonia.

Cover your monthly expenses

Bill protection insurance will cover the monthly expenses up to the selected limit, so you can focus on recovery or job hunting. Insurance compensation will be additional support even if you receive state benefits.

Buy the insurance if you meet its purchase conditions.

  • Your age is between 18 and 64.
  • Work at least 20 hours per week.
  • Are self-employed with stable income over the past 12 months (covers dissability risk only).

form-fill Bill protection insurance terms and conditions

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Insurance packages

STANDARD
7 EUR/ month
STANDARD+
10 EUR/ month
PREMIUM 
20 EUR/ month
One-time payment (in case of job loss only) 150 EUR 200 EUR 250 EUR
Monthly payments, up to 3 months (in case of job loss or temporary disability)
Living space rental or mortgage payment 125 EUR 150 EUR 200 EUR
Utilities (electricity, gas, water, heating etc.) 35 EUR 50 EUR 75 EUR
Telephone and Internet payments 25 EUR 35 EUR 50 EUR
Entertainment subscriptions (subscriptions for Spotify, Netflix, Amazon Prime, Disney etc.) 10 EUR 15 EUR 25 EUR
Transport costs (public transport, short-term car rent, taxi and fuel costs) - 25 EUR 50 EUR
Gym/ sport club subscription - - 50 EUR
Child-care services (babysitter, kindergarten etc.) - - 50 EUR
Waiting period Insurance payments are made if unemployment lasts at least 30 days.
Buy in app Buy in app Buy in app
STANDARD
7 EUR/ month
One-time payment (in case of job loss only) 150 EUR
Monthly payments, up to 3 months (in case of job loss or temporary disability)
Living space rental or mortgage payment 125 EUR
Utilities (electricity, gas, water, heating etc.) 35 EUR
Telephone and Internet payments 25 EUR
Entertainment subscriptions (subscriptions for Spotify, Netflix, Amazon Prime, Disney etc.) 10 EUR
Transport costs (public transport, short-term car rent, taxi and fuel costs) -
Gym/ sport club subscription -
Child-care services (babysitter, kindergarten etc.) -
Waiting period Insurance payments are made if unemployment lasts at least 30 days.

Buy in app

STANDARD+
10 EUR/ month
One-time payment (in case of job loss only) 200 EUR
Monthly payments, up to 3 months (in case of job loss or temporary disability)
Living space rental or mortgage payment 150 EUR
Utilities (electricity, gas, water, heating etc.) 50 EUR
Telephone and Internet payments 35 EUR
Entertainment subscriptions (subscriptions for Spotify, Netflix, Amazon Prime, Disney etc.) 15 EUR
Transport costs (public transport, short-term car rent, taxi and fuel costs) 25 EUR
Gym/ sport club subscription -
Child-care services (babysitter, kindergarten etc.) -
Waiting period Insurance payments are made if unemployment lasts at least 30 days.

Buy in app

PREMIUM 
20 EUR/ month
One-time payment (in case of job loss only) 250 EUR
Monthly payments, up to 3 months (in case of job loss or temporary disability)
Living space rental or mortgage payment 200 EUR
Utilities (electricity, gas, water, heating etc.) 75 EUR
Telephone and Internet payments 50 EUR
Entertainment subscriptions (subscriptions for Spotify, Netflix, Amazon Prime, Disney etc.) 25 EUR
Transport costs (public transport, short-term car rent, taxi and fuel costs) 50 EUR
Gym/ sport club subscription 50 EUR
Child-care services (babysitter, kindergarten etc.) 50 EUR
Waiting period Insurance payments are made if unemployment lasts at least 30 days.

Buy in app

Exclusions may apply. For detailed information please read Insurance product Terms and Conditions.

Important!

  • The insurance is valid in Latvia, Lithuania and Estonia.
  • You can buy policy, if you are at least 18 years old.
  • Sign up for a year and cancel whenever you want.
  • You have the right to cancel your policy within the first 14 days of purchase. In this case, your insurance premium payment will be refunded.
  • Insurance payments are taken automatically from your chosen account once per month.
  • Submit a claim through the Citadele app: More > Insurance > My insurance.
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Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
What is Bill protection Insurance?

Bill Protection insurance is like a safety net for your finances when life throws you a curveball. If you suddenly lose your job or can't work due to an illness or injury, this insurance steps in to help you cover your bills. It ensures that during tough times, your essential expenses like rent, utilities, gym membership, transportation costs or mortgage payment are taken care of (up to extent of insured amount), so you can focus on getting back on your feet without the stress of mounting bills.

How to buy Bill protection insurance?

You can purchase Bill Protection insurance easily through Citadele mobile app. If you don't have the app yet, download it today to enjoy the convenience of managing your insurance and other banking services right from your phone. It's quick, easy and puts all the benefits of digital services at your fingertips.

How do I make a claim?

You can easily make a claim by filling out an application in Citadele mobile app: just go to More > Insurance > My insurance>Submit a claim. Alternatively, you can submit a claim through the insurance company's website at https://pood.seesam.ee/en/claims/billprotectionclaim.

What will be compensated in case of insured event?

  • If you lose your job, we'll cover your regular bills and provide a one-time benefit if your unemployment lasts more than 30 days.
  • If you're unable to work temporarily due to illness or injury, and your doctor issues a valid certificate, we'll also cover your regular expenses if you're off work for more than 30 days. This also applies if you're caring for a sick or injured child under 14 years old.
  • The exact compensation depends on the insurance package you choose and your actual expenses. For detailed information on the amounts and what's covered, click here.

How much does Bill protection insurance cost?

The cost of Bill Protection insurance depends on the plan you choose, but prices start as low as 7 eur per month. To find exact price, simply explore the insurance plans we offer and pick the one that best fits your needs and budget. With affordable options available, it's easy to get the coverage you need to protect your finances.

More questions
What is Bill protection Insurance?

Bill Protection insurance is like a safety net for your finances when life throws you a curveball. If you suddenly lose your job or can't work due to an illness or injury, this insurance steps in to help you cover your bills. It ensures that during tough times, your essential expenses like rent, utilities, gym membership, transportation costs or mortgage payment are taken care of (up to extent of insured amount), so you can focus on getting back on your feet without the stress of mounting bills.

How to buy Bill protection insurance?

You can purchase Bill Protection insurance easily through Citadele mobile app. If you don't have the app yet, download it today to enjoy the convenience of managing your insurance and other banking services right from your phone. It's quick, easy and puts all the benefits of digital services at your fingertips.

How do I make a claim?

You can easily make a claim by filling out an application in Citadele mobile app: just go to More > Insurance > My insurance>Submit a claim. Alternatively, you can submit a claim through the insurance company's website at https://pood.seesam.ee/en/claims/billprotectionclaim.

What will be compensated in case of insured event?

  • If you lose your job, we'll cover your regular bills and provide a one-time benefit if your unemployment lasts more than 30 days.
  • If you're unable to work temporarily due to illness or injury, and your doctor issues a valid certificate, we'll also cover your regular expenses if you're off work for more than 30 days. This also applies if you're caring for a sick or injured child under 14 years old.
  • The exact compensation depends on the insurance package you choose and your actual expenses. For detailed information on the amounts and what's covered, click here.

How much does Bill protection insurance cost?

The cost of Bill Protection insurance depends on the plan you choose, but prices start as low as 7 eur per month. To find exact price, simply explore the insurance plans we offer and pick the one that best fits your needs and budget. With affordable options available, it's easy to get the coverage you need to protect your finances.

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