Questions

Insurance is a common fund to which the insured contribute in order for those who will have to cope with the serious economic consequences of possible risks which would not be able to face on their own, to do so.
Insurance companies estimate the probability of a risk and the extent of a damage. Then, based on statistical data and their own knowledge, experience and expertise, insurance companies calculate the premium (price) that the client needs to pay to be offered risk coverage. When the insured event happens, the insurance company pays the agreed amount of the claim.

The benefits of an insurance are many and of great importance, including :
Relaxation and tranquility as in the case of any unexpected event such as fire, accident, illness etc., the money to confront the economic consequences will be on hand.
Economic independence as it helps in savings and allows for a decent standard of living in the years to come.
Fulfilling the dreams we have for ourselves and family because via the insurance we can create the necessary security funds for the education and professional rehabilitation of our children.
Relief from uncertainties and unexpected life risks.

Certain insurances are compulsory by the Law. For example ,we have to be insured when driving a vehicle or taking on an employee.
Then again, our insurance needs are shaped by our personal and family needs such as the need to protect our income or secure our children’s education, or because the conditions of a loan we got from the bank requires to have secured our mortgage property fortune.
The needs are certainly different from person to person. Through prioritizing our existing and future needs, we can define what we need to ensure first, always based on our personal economic data.

By choosing an independent Insurance Consultant , you get personal service. Direct contact with the consultant is vital for the proper selection of an insurance product ,the submission of an application for insurance and management in case a damage occurs.

In addition, an Insurance Consultant is always there for you, offering consulting services and solutions to problems that may arise at any time of your life.

Given the changes our society suffered due to urbanization in the last fifty years, our daily routine involves multiple risks that we are called upon to face in the most efficient and rapid way.

The sector of money losses provides a range of additional coverage to companies insured to the property sector and shields them against risks of theft, robbery, burglary, etc.

The Cargo Insurance is necessary to ensure the interests of the sender or recipient for damages caused to the goods during their transportation  from the place of dispatch to the place of destination.

General Liability Insurance Coverage to third parties may be an important  point of support for any business and/or individual. Moreover, the claims for compensations due to bodily injury or property damage increase significantly year after year, resulting in coverage of General Liability as a one-way street for us all.

Having a boat is definitely one of your most expensive possessions. Its high economic value, though, makes it prone to thefts and arsons while threatened by various external factors like natural disasters, explosions, etc. Simultaneously, it can be easily engaged in problems because of, e.g. , a crash.

Consequently, the Boat Insurance relieves you from the stress of its protection and ensures coverage in case of destruction or damage.

The industry of boat insurance is significantly increased in recent years for two main reasons. Firstly, the introduction of legislation in 1999 to cover the obligatoriness of civil liability for recreational crafts and secondly through the rise of the vessel owners’ awareness for the need to protect their property from all kinds of maritime risks.

The Automobile Insurance is mandatory by the State. The importance can be summed up in the fact that it limits the financial risk in case of a traffic accident ,a risk which would be otherwise unbearable. However, its value is much higher because without this insurance, we have to suffer:

1.Any damage caused to others by our negligence.
2.The potentially high cost of loss or destruction of our vehicle in case of theft,fire, etc.
3.Potential lawsuits against us due to a traffic accident.

The creation of a workplace as a building and / or content requires a large investment in terms of time and money. But daily life is governed by risks and unforeseen situations which can be fatal for our business place, such as fire, theft, damage by natural events, etc. Consequently, insuring frees you from the financial and psychological burden associated with the above situations.

All of us have invested precious time and money in creating a residence. Our home is our refuge and the place where we meet up with our loved ones. Risks and unforeseen  situations, such as fire, theft, damage by natural phenomena, can be proven fatal for our home. Consequently, our Home Insurance dispenses us from the financial and psychological burden associated with these  situations .Everyone has the discretion to adjust the insurance of his house, based on his particular requirements and priorities.

All parents are constantly thinking about the future of their children.

They want to secure the funds in order for their children to start and continue their studies without financial problems; they want to be able to afford to help them in their first professional steps. Parents want everything for their kids without compromise or disappointments. At the same time, the professional market demands creative people with knowledge and high training.

However, the increasing financial obligations of everyday life restrict the possibility of large financial investment in our children’s education. The Study and Vocational Rehabilitation Programs ensure you relevant tax exemption.

Modern professionals working in cut-throat rate conditions need to reduce their rates or even discontinue their professional activity in about the age of 50-60.
However:
1.The Pension Insurance Funds are very low.
2.If you wish to withdraw earlier, they become even lower!
3.The retirement conditions require high ages.

As a result, it becomes imperative to start a Pension Plan that will provide you with the desired economic level of the retirement period. Postponing the award of a Pension Plan costs much. The earlier you start such a program, the higher the returns and funds for your pension are or the less money you pay to secure the capital that you need in order to supplement your pension and to maintain your standard of living in retirement period.

During our life, we all have a greater or lesser degree of medical, pharmaceutical or hospital care. The coverage for hospital and outpatient care is of particular importance. It can vary from the coverage of the relatively low cost of a test to the high cost of a stay in hospital.

Your Health Insurance frees you from the worries of the costs and allows you to focus your interest on the most important issue: the Care of your and your own people Health! We never know when the time of a need for hospital care will come. Although health programs ensure routine care, such as laboratory tests, the main reason for their existence is to meet the exhaustive expenses in case of a serious illness or a long stay in hospital.

Through Health Programs:
1.You ensure high quality health services.
2.You have direct access to health services.
3.You make the most of the advanced medical technology for proper diagnosis and prevention.

Nowadays, the demands of everyday life has made adequate remuneration a fundamental operational precondition for meeting, not only your own but also your beloved ones, financial and social needs.

Because in your absence:
1.Your family income will suddenly reduce.
2.Your family members will face inheritance tax and bear outstanding loans.
3.Your children’s studies will be left in limbo.
4.Fixed and extraordinary expenses will not be covered.

This is why Life Insurance is one of the most important investments of your life, a loving gift to your nearest and dearest. Whether you are married, divorced, retired or rising entrepreneur, a Life Insurance Program guarantees the financial wherewithal that your presence ensures. More specifically:
1.It helps your close ones to meet their financial needs and overheads.
2.It ensures educational and professional rehabilitation.
3.It assists in their possible business plans.
4.It strengthens their income.
5.It ensures the repayment of the loans.