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Death disability borrower insurance Algeria 2026: protect your family

Protection guide — death + disability IPT/IPP, AIPP scale, family compensation, claim procedures.

Protection guide — death + disability IPT/IPP, AIPP scale, family compensation, claim procedures.

Why this insurance

Without: family may lose property. With: assureur reimburses 100% capital.
Methodology: Kloufi.

Death guarantee — full compensation

100% capital remaining. Exclusions: suicide 1st year, war, drugs. Procedure 2-4 months.

Disability IPT + IPP

IPT ≥66% = 100%. IPP 33-65% by AIPP scale. 2 eyes/hands 100%. 1 dominant hand 60%. Consolidation required.

Special cases

Couple co-borrowers. Diaspora abroad. Accidental death (doubled). Senior (>60). Health antecedents.
Tip: kricar.fr.

Optimization + prevention

Sincere medical questionnaire. Keep documents up to date. Life insurance complementary. Testament + succession.

Editorial Q&A

Death 100% covered. IPP % scale. Suicide 1st year excluded. 2-8 months compensation.

Frequently Asked Questions

Mandatory?

Yes for all mortgage credit.

Death family?

100% capital reimbursed.

IPT vs IPP?

IPT ≥66% 100%. IPP 33-65% by AIPP.

AIPP scale?

2 eyes 100%, 1 dominant hand 60%.

Suicide?

Not 1st year.

Death delay?

2-4 months typical.

Disability delay?

4-8 months.

Exclusions?

War, terrorism, drugs, false declarations.

Death disability insurance simulator