Insurance, banking and savings 2021 - NITO
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2021
Insurance, banking
and savings
NITO members can save thousands of
kroner through their membership
Pho
to:
Tom
Hag
a
“
As Norway’s largest organisation of engineers and
technologists, we possess a strong negotiating
position. This enables our members to continue
to receive very competitive offers on insurance,
banking and savings which most of our members
already have taken advantage of. Being a NITO-
Trond Markussen, member is very beneficial.
President
Insurance and banking partners
– because it is profitable
30 percent discount from the first private insurance
Benefits Qualified for the Tryg Plus benefit programme
with Tryg Tryg Legehjelp - free medical assistance
service included
NITO Own pension account
Benefits Highly attractive conditions and excellent digital
with solutions for your pension savings
Danica Access to competent pension advisors
Benefits Access to Nordea’s Premium benefit programme
with Legal advice in family law
Nordea Free access to over 1000 VIP airport lounges
This is a translation of the original Norwegian brochure. In case
of any discrepancies, it is the terms and conditions that apply.
2
Tryg Legehjelp – free medical
assistance service for all members!
The free medical assistance service Tryg Legehjelp is included in your membership.
The service gives you and your family access to doctors and nurses by telephone
and video 24 hours a day – 365 days a year.
Tryg Legehjelp offers consultations, prescriptions, short term sick leaves and
referrals to specialists – without any deductible or waiting time. The consultations
are of course confidential.
Tryg normally requires customers to have purchased at least one private insurance
policy in order to gain access to Tryg Legehjelp, but considering that we at NITO
find this service extremely valuable, we have purchased it for all of our members.
Tryg Legehjelp is therefore included in your NITO membership. Activate
the service by verifying your NITO membership at minside.tryg.no.
3
NITO's own insurances
– insurances that you purchase from NITO
As a member of NITO, you receive some of the best insurance offers in the
Norwegian market. With our insurance partner Tryg, you now receive better
benefits, terms and conditions at either the same or a better price than before.
NITO Contents Insurance NITO Accident Insurance
Among the market's most reasonable and Both adults and children can be victims
best contents insurance. The insurance of accidents. With our accident insurance,
covers contents and personal belongings you can provide yourself and your
for up to NOK 2,750,000. family with financial security if anything
unexpectedly should arise. These will
The insurance now also covers theft of help you with treatment expenses and
locked bicycle for up to NOK 40,000, damage provide a compensation payment for
to charging stations for electrical vehicles permanent medical invalidity.
and eradication of long-tailed silverfish.
NITO Accident Basic Insurance
Annual price 2021: NOK 1416 – for member
In addition to what all the accident
NITO Contents Insurance for insurance policies cover, you can also
leisure homes have NOK 400 paid out as a daily
NITO offers favourable contents insurance allowance benefit for up to an entire
for your leisure home. The insurance year for a hospital stay.
covers household contents and personal
belongings for up to NOK 1 000 000. Annual price 2021: NOK 468
NITO Contents Insurance for leisure NITO Expanded Accident Insurance
homes also covers eradication of long- – for member and family
tailed silverfish and damages to charging If you choose this insurance policy, the
stations. entire family is covered if one or more
of you are the victim of an accident. In
Annual price 2021: NOK 828 addition to providing compensation for
permanent medical invalidity, you can
have up to NOK 10,000 paid out for a
broken bone.
Annual price 2021: NOK 1536
4
NITO Travel Insurance
NITO offer unique travel insurance to our members. You can buy the new NITO Travel
Insurance either for a single individual or for the family at an extremely favourable
price. The insurance covers trips of up to 90 days in duration, and gives you a new
trip if illness forces you home before half of the holiday is over. NITO Travel Insurance
also covers your deductible in the event of damage or theft on your rental car.
Annual prices 2021 - NITO Travel Insurance
Age Single individual Family
Up to and through 35 years old NOK 756 NOK 1188
36–69 years old NOK 948 NOK 1308
70 year old and older NOK 1992 NOK 3324
5
Other NITO insurances with Tryg -30 %
– insurances that you purchase from Tryg
Members of NITO receives a 30 percent discount on all private
insurances at Tryg.
NITO Car Insurance NITO Personal Insurance
A gift package customised to our members, Folketrygden benefits are good, but rarely
with great flexibility and many possible enough if you or someone in your family
options. With NITO Car Insurance, you are are the victim of a serious event. As a
covered for traffic injuries in all of Europe NITO member, you will receive favourable
– regardless of whether you yourself are terms and conditions on health insurance
driving, are a passenger, on a bicycle or and life assurance policies.
are a pedestrian.
NITO Life Assurance
With NITO Car Insurance Extra you will also Tax-free lump sum payment of up to nearly
receive an electrical vehicle as a rental NOK 4,000,000 in the event of death due to an
car if your own electrical vehicle is in the illness or accident. Can be purchased by both
workshop. You buy the car insurance a member and spouse/cohabitant, and is in
with many more unique benefits from effect through and including 75 years of age.
Tryg – and it is individually priced.
NITO Disability Insurance Extra
NITO Homeowners Insurance The insurance combines monthly advance
A customised building insurance for payments already after twelve months
our home owning members, with many of being on sick leave with a lump sum
environmentally friendly benefits. payment of up to nearly NOK 3,000,000
in the event of permanent disability.
With NITO Homeowners Insurance there is Can be purchased by both a member
no total amount limitation or excess/de- and spouse/cohabitant, and is in effect
ductible for damages to you own charging through and including 60 years of age.
station for a vehicle. You also gain access
to an advantageous agreement for pur- Other Personal Insurances
chasing and installing a charging station. Injuries and illnesses can impact you, your
family and your finances more substanti-
NITO Homeowners Insurance can be ally than a person is prepared for. If you
purchased as an ordinary home insurance should need an operation, it always happens
or you can choose the NITO Homeowners at a bad point in time. With the Critical
Insurance Extra. You buy the insurance Illness and Treatment Insurance from
from Tryg and it is individually priced. Tryg, you can also make these challenges
easier to face.
6Tryg Plus benefit programme
Our members will be automatically included in the Tryg Plus benefit
programme, which provides a number of good services starting from
the first insurance policy.
Tryg ID helps you with identity theft in various life situations. It can be anything
recovery and clean-up. Also applies from an unexpected death of a close
for family members and ID theft on relative to cohabitation therapy.
social media.
Tryg Plus has no deductible, extra costs
Tryg House Assistance provides you or waiting time and can be used by the
with answers and advice on questions entire family's household. Normally,
you might have of a technical nature customers need to have at least three
about your house or apartment. insurance policies in order the receive
Tryg Plus, but our members will receive
Tryg Care provides you and your family this from their first private general
with free 10 hours from a psychologist insurance policy with Tryg.
Check how much you can save:
Example for member 36 years of age with a family
Price for Price for non-
NITO Savings
NITO member member
NITO Household Contents 1,416 5,707 4,291
Insurance*
Travel Insurance Family** 1,308 2,456 1,148
NITO Health Insurance and 6,586 18,456 11,870
Life Assurance***
This member is saving 17,309
*In the example the insurance sum for the member is an amount of NOK 2,750,000, whereas for an ordinary customer it is only
NOK 2,000,000. The ordinary price takes into consideration the address (Oslo in this case) as well as other risk factors such
as an alarm and the year of construction. Otherwise the conditions are equivalent. Non-member price is calculated with a
consolidated discount of 15 percent.
**The example is for a member 36 years of age in Oslo. Non-member price is calculated with a consolidated discount of 15
percent.
*** The example is a man (36) with a spouse (36) and 20G coverage with Life Assurance and Disability Insurance
(NOK 1,937,660.00), Bachelor degree level of education, office worker and non-smoker.
7What
hurts the
most?
The drilling
or the
subsequent
Offer to members from Norsk bill?
Tannhelseforsikring (Norwegian Dental
Health Insurance)
Your mouth is the entrance to your body and good oral hygiene strengthens your
body's immune system. A number of different studies indicate that bacteria from
the mouth can be related to a number of serious illnesses such as cardiovascular
illnesses, COPD, arthritis and brain abscess. Studies show that people who have
their teeth cleaned professionally at least twice per year have a 24 percent lower
risk of a heart attack.
Cancer coverage included
Lump sum payment of up to NOK 30,000 if cancer is diagnosed in the oral cavity
during the term the insurance is in effect.
You can now purchase dental health insurance at a member price. With NITO
Dental Health Insurance, you can improve your health and safeguard yourself
against large and unforeseen bills from dentists.
8Exclusive banking for NITO’s members
NITO members will have direct access to Nordea’s Premium programme,
where you can enjoy a range of exclusive products and benefits.
As the largest bank in the Nordics, Nordea offers a broad range of expertise and
services to their customers, and their financial and legal advice can be tailored to
both personal banking and business owners. NITO is proud to be able to offer its
members benefits from a bank that has everything – it is good business.
! No minimum requirements on gross income or savings
Families of NITO members can also enjoy Nordea’s
! Premium benefit programme
How do NITO members benefit from the
Premium Benefit Programme?
NITO Premium benefits: NITO Premium Next benefits
Preferential rates and terms on (18-34 years of age):
your mortgage Nordea’s most competitive mortgage;
Personal and tailored financial advice UNG Premium
Access to legal advice in family law Debit card with no annual fee
Exclusive Premium Mastercard with Premium Mastercard with favourable
travel insurance travel insurance
Financial advice from Nordea Young
Access to over 1000 VIP airport
lounges
Extra favourable car loan
It pays to have good
bank connections!
9NITO Own pension account
– get the most out of your pension savings
On January 1st 2021, new rules were introduced for pension savings in Norway for
employees with defined contribution pensions in the private sector. Now you can
choose for yourself where you want your pension savings to be managed.
NITO Own pension account is a secure and favourable choice that gives you more
pension for your money and a good overview of your pension savings.
As a NITO member, you are provided with
highly attractive conditions and excellent digital solutions for your
pension savings
simple complete overview of your pension and savings in My Page
safe and secure management of your pension savings
same good conditions for your partner/spouse
management in a fund that maintains an environmental and
sustainability perspective
Access to competent pension advisors
Other membership benefits for own savings:
If you work in the public sector, you will be unable to use a NITO Own pension account
for your current pension, but all NITO members will have access to favourable rates for
fund accounts, individual pension savings (IPS) and pension capital certificate (PCC) at
Danica Pensjon.
10Financial benefits for Free
start-up
independent business owners package!
Benefits with Tryg
NITO Own Company NITO Start-up
In order for you to be confident that Free start-up package. Our members
both the employees and the company who wish to start their own businesses
are properly covered, good insurance now receive the most essential insurance
policies and good consultation are completely free from Tryg for the first six
important. months after they start.
Benefits with Tryg: The start-up package includes:
Discounts on all commercial Occupational injury insurance
insurance policies for employees
Thorough consultation Machines, goods and movables at
Coverage guarantee the office location for up to
Settlement guarantee NOK 100,000
Office liability that applies for the
office address
Benefits with Nordea
Are you a business-owner? Nordea offers you customised solutions adapted
to your company. You can now choose the same bank for yourself as a
private individual and for your company.
Among other things, you will gain access to:
The exclusive Premium programme E-markets, a tool for better
on the private individual side of the currency management
customer relationship Trade Portal and Trade Club,
Advising via video meetings company network for making
Customised solutions in the event contact with new business
of a need for financing opportunities
Access to specialists in pensions,
leasing and saving
11Benefits with Danica
As an independent business owner, it is important to set aside money for the
future. Where others have an employer handling such matters, those with their
own business must make sure for themselves that they have enough to live on
when they stop working.
Our experienced advisers offer you, the independent business owner, help finding the
savings solution that suits you best. As a NITO member, you get the same excellent
conditions on management that NITO has negotiated for NITO Own pension account,
regardless of whether you opt to save through a defined contribution pension solution
or other forms of savings that are included in the agreement.
Requirements for
non-Norwegian members
Insurance Requirements to subscribe
to the insurance
The insured must be a member of the Norwegian
NITO Personal Insurance National Insurance.
The insurance applies for persons who are permanent
NITO Travel Insurance residents of the Nordic countries and are members of the
Norwegian Government’s National Insurance.
The insured must be a member of the Norwegian National
NITO Accident Insurance Insurance or an equivalent governmental insurance
arrangement in the Nordic countries.
12We have a number of good benefits
for our members!
In addition to the benefits involving insurance, banking and sparing,
NITO membership also includes:
Wage Courses
Free legal
statistics and
assistance
events
CV and Wage
Occupational + much
application advising
network more!
help
Technical
weekly
publication
Want to learn more about us?
Visit www.nito.no/medlemsfordeler
or feel free to give us a ring at 22 05 35 00.
Follow NITO Norway
NITO I Støperigata 1 I PO Box 1636 Vika, 0119 Oslo I Phone 22 05 35 00 I epost@nito.no I nito.noYou can also read
