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Life and accident insurance – life+

Protect your family from unexpected life events with life and accident insurance in one policy. Find out your monthly payment in under 2 minutes with our AI assistant.

Calculate payment Claim online

Full family protection

Take care of life and accident insurance, including medical protection, for every member of your family. 

Discounts for families

Get up to 10% off when you insure 3 or more people.

Wide-ranging coverage 

Receive compensation for bone fractures to hospital stays, psychological support, Lyme disease treatment and more. 

Service provided by AAS CBL Life, which is represented by insurance agent AS Citadele Banka. Before arranging insurance, please carefully read the insurance terms and conditions.

Woman holding a phone in hands, typing on it.
New!

Find out your insurance premium in under 2 minutes!

You will have to answer just 3 questions:

  • For what purpose do you want insurance?
  • What age are the people you want to be insured?
  • What is your family's main breadwinner's income?

At the end of the chat, you can choose to leave your contact details so a bank consultant can contact you.

Calculate payment

What you can include in your policy

Insurance type Adults (ages 18 to 74) Children (ages 1 to 17)
Life insurance form-fill form-fill
Accident insurance form-fill form-fill
Additional accident insurance coverage form-fill form-fill
Adults (ages 18 to 74) Children (ages 1 to 17)
Life insurance
form-fill form-fill
Accident insurance
form-fill form-fill
Additional accident insurance coverage
form-fill form-fill

Accident insurance

Risk What it covers
Permanent disability If your accident results in permanent or irreversible health issues, you will receive compensation depending on the severity of your condition and the coverage amounts as stated in your insurance agreement.
Death due to accident If your accident results in death, your beneficiary will receive compensation as stated in your insurance agreement.
Broken bones and injuries If your accident results in a broken bone, injury, burn or other physical damage, you will recieve compensation in accordance with the coverage amounts and terms of your insurance agreement.
What it covers
Permanent disability
If your accident results in permanent or irreversible health issues, you will receive compensation depending on the severity of your condition and the coverage amounts as stated in your insurance agreement.
Death due to accident
If your accident results in death, your beneficiary will receive compensation as stated in your insurance agreement.
Broken bones and injuries
If your accident results in a broken bone, injury, burn or other physical damage, you will recieve compensation in accordance with the coverage amounts and terms of your insurance agreement.

Additional accident insurance coverage and/or hospital daily allowance*

STANDARD — basic additional protection
PREMIUM — more extensive additional support with higher compensation limits

Risk STANDARD PREMIUM Description
Medical expense coverage limits Up to 100 EUR per incident Up to 300 EUR per incident Covers medical expenses after an accident, up to the limit stated in your insurance agreement.
Lyme disease treatment coverage limits 50 EUR per incident 100 EUR per incident Covers medical expenses if an infectious disease specialist diagnoses Lyme disease and you need inpatient care (from 24 hours), up to the limit stated in your insurance agreement.
Psychological support coverage limits** Up to 500 EUR  Up to 1000 EUR Covers treatment by a psychologist or psychotherapist after an accident, in accordance with the terms of your insurance agreement.
Home adjustment coverage limits Up to 1000 EUR Up to 3000 EUR Covers expenses incurred if your home needs adapting after an accident, up to the limit stated in your insurance agreement.
Camp cancellation coverage limits Up to 150 EUR Up to 300 EUR Covers camp fees if your child or teenager cannot take part due to an accident, in accordance with the terms of your insurance agreement.
Hospital daily allowance coverage limits Compensation for each day spent in hospital in accordance with the amount stated in your insurance agreement (from 10 to 100 EUR per day depending on your chosen coverage).
STANDARD PREMIUM
Medical expense coverage limits
Up to 100 EUR per incident Up to 300 EUR per incident
Covers medical expenses after an accident, up to the limit stated in your insurance agreement.
Lyme disease treatment coverage limits
50 EUR per incident 100 EUR per incident
Covers medical expenses if an infectious disease specialist diagnoses Lyme disease and you need inpatient care (from 24 hours), up to the limit stated in your insurance agreement.
Psychological support coverage limits**
Up to 500 EUR  Up to 1000 EUR
Covers treatment by a psychologist or psychotherapist after an accident, in accordance with the terms of your insurance agreement.
Home adjustment coverage limits
Up to 1000 EUR Up to 3000 EUR
Covers expenses incurred if your home needs adapting after an accident, up to the limit stated in your insurance agreement.
Camp cancellation coverage limits
Up to 150 EUR Up to 300 EUR
Covers camp fees if your child or teenager cannot take part due to an accident, in accordance with the terms of your insurance agreement.
Hospital daily allowance coverage limits
Compensation for each day spent in hospital in accordance with the amount stated in your insurance agreement (from 10 to 100 EUR per day depending on your chosen coverage).

* Additional accident insurance coverage can be added when insuring “Permanent disability” and “Bone fractures and injuries” risks.
** Psychological support and Home adjustment costs coverage are valid in case of disability.
The amount of coverage, claims, exceptions, limitations, and the compensation procedure are detailed in the insurance agreement and insurance terms.
Before signing an agreement, please read the product information document and insurance terms.
Insurance service provided by insurer AAS CBL Life, registration no. 40003786859, legal address: 2A Republikas Laukums, Riga, Latvia, LV-1010, phone number +371 6701 0129, email: life@cbl.lv, with insurance agent AS Citadele Banka acting on their behalf. All complaints and claims submitted to the insurance agent are reviewed by insurer AAS CBL Life. Before signing the insurance agreement, please read the terms of the agreement and, if necessary, consult a specialist.

Happy family spending time in the sun, kids on parents’ backs, all smiling and enjoying time together outdoors.
Happy family spending time in the sun, kids on parents’ backs, all smiling and enjoying time together outdoors.

Questions about Life+ insurance?

Our experts are ready to help – sign up for a free consultation.

Apply for a consultation 

Insurance in unexpected life events

Read stories where Life+ insurance provided essential support after accidents – from injuries to long-term consequences.

Mother pushing child on a swing in the park, both laughing, spending quality time together.

Solo mother, aged 34


After a car accident, mom received financial support: 

  • 10 500 EUR for permanent disability. 
  • 1400 EUR for a 14-day hospital stay (100 EUR/day). 
  • 1000 EUR for psychological support. 
  • 3000 EUR for home adjustments. 

She used the money to adjust to her new life circumstances and care for her child – only for 21.80 EUR per month.

Family in the kitchen laughing together, child sits on the table, parents stand on each side, leaning in, eating toast.

A young family


Their son (8 years old) broke his leg. 
They received: 

  • 500 EUR for his injury. 
  • 150 EUR for a 3-day hospital stay (50 EUR/day). 
  • 150 EUR for a canceled summer camp. 

Life+ ensures that family are financially secure during son recovery. The insurance plan gives the family the protection they need — all for an affordable price of just 25.76 EUR per month.

Father with two kids reading a book in the bedroom, showing them something in it, everyone’s smiling.

Father of two, 42 years


Got sick after a tick bite. His son also broke his arm.
They received:

  • 100 EUR for Lyme disease treatment.
  • 400 EUR for 2 days in hospital (100 EUR/day for father + 100 EUR/day for son).
  • 1000 EUR for his injury. 
  • 300 EUR for camp cancellation.
  • 300 EUR for son’s medical expenses.

This comprehensive coverage ensures the family stays financially secure during these unexpected health challenges – all only for just 30.30 EUR per month.

Need help?

Get instant answers to your questions 24/7 from our website help tool: our virtual financial consultant, Adele.

Adults aged 18 to 74 can be insured against the following risks: 

  • Life insurance – a lump-sum payment in the event of death.
  • Accident insurance, with the option to choose the following coverages:
    • Death as a result of an accident.
    • Permanent disability.
    • Injuries and bodily harm (such as fractures or dislocations). 
    • Coverage of medical expenses resulting from an accident.
    • Daily hospital allowance for inpatient treatment following an accident. 

Children aged 1 to 17 can be insured against the following risks: 

  • Accident insurance, which includes: 
    • Death as a result of an accident.
    • Disability.
    • Injuries and bodily harm.
    • Coverage of medical expenses.
    • Daily hospital allowance for inpatient treatment following an accident. 

The insurance contract can be concluded only by a Citadele Bank client; however, it is possible to insure family members or other individuals who are not bank clients themselves. 

Life+ insurance lets you choose the protection you need — all in one policy. You can include: 

  • Life insurance – provides a lump-sum payout to your chosen beneficiaries in case of death.
  • Accident insurance – offers compensation in case of injuries, permanent disability or death caused by accidents.
  • Medical expense coverage – covers specific costs such as Lyme disease treatment, psychological support and home adjustments in case of permanent disability.
  • Hospital daily allowance – offers daily financial support if you're hospitalized following an accident. 

Medical expense coverage offers financial support after an accident. Depending on your chosen plan – Standard or Premium – you may receive: 

  • A one-time payment up to 100 EUR or up to 300 EUR for medical services.
  • 50 EUR to 100 EUR for Lyme disease treatment.
  • In case of permanent disability up to 500 EUR or up to 1000 EUR for psychological support.
  • Up to 1000 EUR or up to 3000 EUR for home adjustments in case of permanent disability.
  • 150 EUR to 300 EUR if your child misses a camp due to an accident. 

Yes, it is possible to make changes to your policy. 

  • Once a month, you can increase or decrease the insured amount or the policy term. 
  • Once a month, you can add additional coverage, such as accident insurance. 
  • You can change or add beneficiaries at any time. 
  • You can terminate the policy at any time before the end of the term. 

To make changes, submit a free-form application through the online bank or signed electronically to life@cbl.lv. Include the changes you wish to make and your policy number. 

If you have accident insurance and an accident occurs: 

  1. As soon as possible, but no later than within 24 hours, visit a doctor, receive medical help, and comply with the doctor’s instructions.
  2. Inform the insurer.
  3. Submit a request for compensation. 

You can apply for a compensation here. 

Important! You should submit medical documentation confirming the accident and injuries. 

The coverage amount depends on your personal financial situation, including:  

  • Outstanding loans (such as your mortgage, car loan or consumer loan).
  • Your income level and the financial protection needs of your family. 

We recommend choosing coverage that totals at least two years’ gross income. This will help ensure financial stability after the death of the insured person.  
 
The minimum coverage amount is 1500 EUR.  

Apply for a consultation

If the insured person has passed away: 

  • a filled-in application form. You can fill it in here.
  • a copy of your passport or ID card.
  • a copy of the insured person’s death certificate.
  • the inheritance certificate (if the application is submitted by an heir). 

Important! Compensation can be requested by the beneficiary (indicated in the insurance policy) or legal heirs. 
 
If there has been an accident or injury: 

  • A filled-in application form. You can fill it in here.
  • Documents issued by a medical institution which confirm the accident and describe the injuries (for example, broken bones or other health problems). 

Contact our insurance consultants – they will help you choose the right coverage and prepare all the necessary documents so you can complete the agreement quickly and easily.  

Apply for a consultation

Yes, you can cancel your agreement at any time. 

To do this, submit a free-form letter through the online bank or signed electronically to life@cbl.lv. 

If you have already paid your premium for the period after cancelling your agreement, we will refund this sum within 15 days.  

If subsequent insurance premiums are not paid on time or in their full amount, CBL Life will inform you of the amount you need to pay and set a payment deadline. 

If the payment is not made by the deadline, your insurance agreement will be cancelled and insurance coverage will no longer be in force. 

If the insured person has passed away, the beneficiary or legal heir must: 

  • Fill in the claim form here. 
  • Provide a copy of their passport or ID card.
  • Provide a copy of the insured person’s death certificate.
  • If applying as an heir – attach the inheritance certificate. 

Life+ insurance coverage comes into force on the date specified in your policy.  

If payment of your first premium is not made within 15 days, the policy is cancelled on the date specified as the starting date.  

You can choose the most convenient payment schedule for you: monthly, quarterly, every six months or annually. 

The cost of Life+ insurance depends on your age, selected plan and the risks you choose to cover.  
Book a free consultation to get a detailed offer.

Apply for a consultation

We do our best to review your claim within 30 days after receiving all the required documents. If needed, we may extend this period up to 6 months. Once the decision is made, your payment will be sent within 15 days. 

Your policy is always available in the online bank under Insurance > Policies. 

Adults aged 18 to 74 can be insured against the following risks: 

  • Life insurance – a lump-sum payment in the event of death.
  • Accident insurance, with the option to choose the following coverages:
    • Death as a result of an accident.
    • Permanent disability.
    • Injuries and bodily harm (such as fractures or dislocations). 
    • Coverage of medical expenses resulting from an accident.
    • Daily hospital allowance for inpatient treatment following an accident. 

Children aged 1 to 17 can be insured against the following risks: 

  • Accident insurance, which includes: 
    • Death as a result of an accident.
    • Disability.
    • Injuries and bodily harm.
    • Coverage of medical expenses.
    • Daily hospital allowance for inpatient treatment following an accident. 

The insurance contract can be concluded only by a Citadele Bank client; however, it is possible to insure family members or other individuals who are not bank clients themselves. 

Life+ insurance lets you choose the protection you need — all in one policy. You can include: 

  • Life insurance – provides a lump-sum payout to your chosen beneficiaries in case of death.
  • Accident insurance – offers compensation in case of injuries, permanent disability or death caused by accidents.
  • Medical expense coverage – covers specific costs such as Lyme disease treatment, psychological support and home adjustments in case of permanent disability.
  • Hospital daily allowance – offers daily financial support if you're hospitalized following an accident. 

Medical expense coverage offers financial support after an accident. Depending on your chosen plan – Standard or Premium – you may receive: 

  • A one-time payment up to 100 EUR or up to 300 EUR for medical services.
  • 50 EUR to 100 EUR for Lyme disease treatment.
  • In case of permanent disability up to 500 EUR or up to 1000 EUR for psychological support.
  • Up to 1000 EUR or up to 3000 EUR for home adjustments in case of permanent disability.
  • 150 EUR to 300 EUR if your child misses a camp due to an accident. 

Yes, it is possible to make changes to your policy. 

  • Once a month, you can increase or decrease the insured amount or the policy term. 
  • Once a month, you can add additional coverage, such as accident insurance. 
  • You can change or add beneficiaries at any time. 
  • You can terminate the policy at any time before the end of the term. 

To make changes, submit a free-form application through the online bank or signed electronically to life@cbl.lv. Include the changes you wish to make and your policy number. 

If you have accident insurance and an accident occurs: 

  1. As soon as possible, but no later than within 24 hours, visit a doctor, receive medical help, and comply with the doctor’s instructions.
  2. Inform the insurer.
  3. Submit a request for compensation. 

You can apply for a compensation here. 

Important! You should submit medical documentation confirming the accident and injuries. 

The coverage amount depends on your personal financial situation, including:  

  • Outstanding loans (such as your mortgage, car loan or consumer loan).
  • Your income level and the financial protection needs of your family. 

We recommend choosing coverage that totals at least two years’ gross income. This will help ensure financial stability after the death of the insured person.  
 
The minimum coverage amount is 1500 EUR.  

Apply for a consultation

If the insured person has passed away: 

  • a filled-in application form. You can fill it in here.
  • a copy of your passport or ID card.
  • a copy of the insured person’s death certificate.
  • the inheritance certificate (if the application is submitted by an heir). 

Important! Compensation can be requested by the beneficiary (indicated in the insurance policy) or legal heirs. 
 
If there has been an accident or injury: 

  • A filled-in application form. You can fill it in here.
  • Documents issued by a medical institution which confirm the accident and describe the injuries (for example, broken bones or other health problems). 

Contact our insurance consultants – they will help you choose the right coverage and prepare all the necessary documents so you can complete the agreement quickly and easily.  

Apply for a consultation

Yes, you can cancel your agreement at any time. 

To do this, submit a free-form letter through the online bank or signed electronically to life@cbl.lv. 

If you have already paid your premium for the period after cancelling your agreement, we will refund this sum within 15 days.  

If subsequent insurance premiums are not paid on time or in their full amount, CBL Life will inform you of the amount you need to pay and set a payment deadline. 

If the payment is not made by the deadline, your insurance agreement will be cancelled and insurance coverage will no longer be in force. 

If the insured person has passed away, the beneficiary or legal heir must: 

  • Fill in the claim form here. 
  • Provide a copy of their passport or ID card.
  • Provide a copy of the insured person’s death certificate.
  • If applying as an heir – attach the inheritance certificate. 

Life+ insurance coverage comes into force on the date specified in your policy.  

If payment of your first premium is not made within 15 days, the policy is cancelled on the date specified as the starting date.  

You can choose the most convenient payment schedule for you: monthly, quarterly, every six months or annually. 

The cost of Life+ insurance depends on your age, selected plan and the risks you choose to cover.  
Book a free consultation to get a detailed offer.

Apply for a consultation

We do our best to review your claim within 30 days after receiving all the required documents. If needed, we may extend this period up to 6 months. Once the decision is made, your payment will be sent within 15 days. 

Your policy is always available in the online bank under Insurance > Policies. 

Life + Insurance

Service Fee
Contract costs (from the first insurance premium) Free of charge
Commission for contract administration incl. payments prescribed by the laws and regulations of the Republic of Latvia (from each insurance premium) Included in the insurance payment
Extension of the duration of the contract Free of charge
Change of beneficiary Free of charge
Change of insurance amount Free of charge
Payment for life and accident insurance Calculated individually for each insured person
Minimum amount of life insurance 1500 EUR
Minimum amount of accident insurance:
Death in the result of an accident 1500 EUR
Permanent disability 1500 EUR
Bone fractures1 1500 EUR

1 Bone and fracture risk can only be insured together with the disability risk. The sum insured for bone and fracture risk may not exceed the disability risk insurance amount.

See full price list

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