Comparative guide — SAA ADE, DIT guarantees, premiums 0.3-0.8% capital, mandatory credit.
Legal framework
Ordinance 95-07 + Law 03-11 + Bank Algeria instructions.Methodology: Kloufi.
SAA vs ADE comparison
SAA 60% market. ADE bank specialist. CAAT + Alliance + SALAMA takaful. Rates crédit 10M/20 years: 450-1050k DZD total.DIT guarantees
D: death 100% capital. I: permanent disability by AIPP rate. T: work incapacity franchise 90-180d, max 36 months.Premium calculation
0.3-0.8% capital/yr. Age brackets 25-65. Smoker +15-30%. Profession risky surcharge.Subscription procedure
Simulation, medical questionnaire, exam if >45, contract, premiums payment, end credit.4 claim cases
Death 2-4 months. Disability 4-8 months. Temporary incapacity franchise+36 months max. Contested claim: mediation, judicial.Tip: kricar.fr.
Optimization + savings
Non-smoker -15-30%. Multi-insurance -5-10%. Delegation rare in DZ. Takaful SALAMA for Mourabaha.Editorial Q&A
Mandatory. 0.3-0.8% typical. SAA+ADE. DIT coverage. Fumeur surcharge.Frequently Asked Questions
DZ framework?
Ordinance 95-07 + Law 03-11.
Mandatory?
Yes all banks require.
Main insurers?
SAA 60%, ADE bank specialist.
Typical premium?
0.3-0.8% capital/yr.
DIT guarantees?
Death+Disability+Work Incapacity.
Smoker?
+15-30% surcharge.
Claim delay?
Death 2-4mo. Disability 4-8mo.
Total 20 years?
10M credit: 450-800k DZD.