Yes, if you are an individual or a company, you can now take out all your insurance products at any BICIM branch.
You must hold an ordinary account if you are an individual or a business account with BICIM.
  • Life insurance for individuals
  • Non-life insurance for businesses or professionals
Life insurance covers a person's physical integrity in the event of illness, accident, death or disability.
Once you have taken out an insurance product, the method of payment is by cash, direct debit to the account you have nominated or by cheque.
For any type of policy, the insured has the option of designating beneficiaries or rightful claimants to receive the benefit.
The contract is taken out for a period of 12 months and is renewable from year to year, subject to effective payment or deduction of the premium.
Yes, cover is provided immediately after the insured has declared his or her illness and sent in the medical documents.
Health cover is paid according to your choice of benefit plan. Benefits are paid up to the level of the chosen plan, with the insured paying the remainder of the costs above the ceiling.
Your health cover starts on the date your insurance certificate comes into force.
Yes! The company guarantees hospitalisation abroad. To take out this cover, please visit one of our branches.
Yes! You are fully covered for the cost of hospitalisation abroad.
Personal accident insurance is a contract that covers compensation for the consequences of personal accidents that the insured may suffer in the course of his or her professional or private life. It covers all accident risks that may occur to the insured, subject to the exclusions set out in the policy.
The company guarantees the following benefits:
  • Death
  • Permanent disability
  • Medical treatment
Our insurance in the event of death plan helps you provide financial support for your family in the event of your death.
Yes, when the policy is taken out, one or two beneficiaries must be designated by the policyholder.
Yes, simply complete the beneficiary designation form included in the application form.
Yes! You can change or cancel your policy at any time.
In the event of medical treatment, the insured is reimbursed for medical, pharmaceutical and hospitalisation expenses, subject to the limits and conditions stipulated in the specific conditions, on presentation of proof of the expenses incurred.
In the event of a claim, the policyholder, the insured or his/her beneficiaries must report the claim to the company's head office or branch office within five days of becoming aware of it, failing which the claim will be forfeited (except in cases of supply or force majeure).
The contract is valid as soon as it is signed by the parties, but only takes effect if the premium is paid by the policyholder. The contract is concluded for the duration specified in the special terms and conditions.
Benefits under the policy are payable to the agency where the policy was taken out within thirty days to the beneficiaries or, failing that, to the rightful claimants. This period runs from the date on which all the documents required by the insurer are in their possession.
Car/motorcycle insurance is a contract that covers you and your vehicle in the event of damage suffered or caused to third parties. Both private and business customers can take out insurance.
A car/motorcycle insurance policy provides cover for your vehicle through :
  • Cover for bodily injury and/or material damage caused to others (Civil Liability)
  • Coverage for damage to the vehicle and injury to passengers (All Risks).
Comprehensive home insurance is a contract that covers private customers for damage caused to your home and its contents, and includes several types of cover.
Cover your living environment in the event of :
  • Fire - explosion
  • Damage to electronic equipment
  • Water damage
  • Glass breakage
  • Theft
  • Civil liability as head of family
This policy covers private and business customers travelling abroad.
Please visit one of our branches or contact your customer advisor before your trip to take advantage of our travel insurance offers.
It covers :
  • Medical and hospitalisation expenses in the event of accident or illness
  • Assistance and repatriation to the country of residence in the event of death