El Amane Account
What is it ?
It is a pack consisting of a cheque bank account, a CIB card and personal accident insurance coverage, up to 1,000,000.00 DZD. This pack is intended for individuals and allows you to carry out all banking operations such as payments, deposits, transfers, withdrawals, etc.
Eligibility
Any natural person aged over 19 and under 75 can benefit from this insurance.
Subscription formalities
You need just go to your branch with a file to open an account without medical formalities with immediate coverage as well as a fixed rate, whatever your age and your profession.
The plus
You can also take out personal accident insurance via your classic savings account or interest-free savings account.
FAQ
It is an account, intended for individual which allows traditional banking operations to be carried out, such as payments, deposits, transfers and even savings with personal insurance in the form of a contract giving rise to the right to a lump sum in the event of a bodily accident or Absolute and Definitive Disability (IAD) caused by a bodily accident.
The EL AMANE offer concerns two types of accounts:
1. The personal cheque account;
2. The savings account (Classic, El Badil) ;
1. The personal cheque account;
2. The savings account (Classic, El Badil) ;
The EL AMANE account is a product pack that offers several services, as follows :
For the EL AMANE Cheque account:
1. Cheque Account;
2. IPC card;
3. Cheque book;
4. Accident coverage, guaranteed capital up to 1,000,000.00 DZD..
For the EL AMANE Cheque account:
1. Cheque Account;
2. IPC card;
3. Cheque book;
4. Accident coverage, guaranteed capital up to 1,000,000.00 DZD..
The types of insurance coverage that the contract provides are as follows :
1. Coverage against accidental death.
2. Coverage against absolute and definitive disability (IAD) caused by a bodily accident.
1. Coverage against accidental death.
2. Coverage against absolute and definitive disability (IAD) caused by a bodily accident.
It is for one (01) year, tacitly renewable.
1. Suicide or attempted suicide of the insured person, participation in a fight or a crime (except in the case of self-defence), drunkenness of the insured person, use of drugs , narcotics or tranquilizers not medically prescribed;
2. Driving any motor vehicle if the insured person does not hold valid certificates or permits, required by the regulations in force, for underwater, aerial or space navigation on a professional or private basis as a member of the aircrew or as a pilot, in any capacity whatsoever, of the use by him of aircraft for commercial purposes, even without piloting (in particular cases of photographic observations, scientific measurements, flights agriculture, publicity theft, etc.);
3. The practice by the insured person, even as an amateur, of air sports (acrobatics, gliding, parachuting, etc.);
4. The practice by the insured person, in a professional capacity, of any sport;
5. The participation of the insured person, as a competitor in :
Competitions, races, matches and contests in the following sports: motorcycling, automobiles, air, water with motor vehicles, snow or ice..
Automobile, motorcycle or air rallies, except if these do not include speed or endurance events.
6. A cataclysm, an earthquake, a foreign war, or the voluntary handling by the member of engines of war or their possession when this is prohibited. (It is up to the insured person to prove that the loss is not due to the war).
2. Driving any motor vehicle if the insured person does not hold valid certificates or permits, required by the regulations in force, for underwater, aerial or space navigation on a professional or private basis as a member of the aircrew or as a pilot, in any capacity whatsoever, of the use by him of aircraft for commercial purposes, even without piloting (in particular cases of photographic observations, scientific measurements, flights agriculture, publicity theft, etc.);
3. The practice by the insured person, even as an amateur, of air sports (acrobatics, gliding, parachuting, etc.);
4. The practice by the insured person, in a professional capacity, of any sport;
5. The participation of the insured person, as a competitor in :
Competitions, races, matches and contests in the following sports: motorcycling, automobiles, air, water with motor vehicles, snow or ice..
Automobile, motorcycle or air rallies, except if these do not include speed or endurance events.
6. A cataclysm, an earthquake, a foreign war, or the voluntary handling by the member of engines of war or their possession when this is prohibited. (It is up to the insured person to prove that the loss is not due to the war).
Yes, you can benefit from the El Amane pack by opening a new account, or on an already existing account, provided that it is a cheque account or a savings account under its two formulas with or without remuneration.
Absolutely, it is possible to subscribe to this insurance, on the sole condition of opening a checking or savings account within the BDL.
Yes, the insurance can be combined on various accounts. You can benefit from the El Amane pack attached to the checking account, and only have the option attached to the savings account.
Yes, you can benefit from the El Amane pack, and have a loan from the BDL.
Yes, this insurance is valid both in Algeria and in the rest of the world provided that stays abroad do not exceed 3 months.
All you have to do is go to your branch with an account opening file without medical formalities, with immediate coverage as well as a fixed rate, regardless of the age and profession, CSP of the customers.
Any natural person aged between 19 and under 75 will be able to benefit from this account.
This insurance will provide you with coverage up to age 75 in the event of accidental death, and up to age 65 in the event of Absolute and Permanent Disability (IAD).
The payment of a subscriber's fees is made by debiting his bank account on the date of subscription, and at each annual renewal.
Persons insured under the EL Amane pack or insurance only, will be covered 24 hours a day, 7 days a week from the date of subscription.
In case of accidental death, the capital is paid to the beneficiary chosen at the time of subscription, and to the insured in case of absolute disability.
In this case, the beneficiaries will be directed to the Fredha base.
Yes, all you have to do is go to your branch and fill in the change of beneficiary form.
1. If the termination request exceeds 30 Days, the request will be rejected.
2. Cancellation costs are the responsibility of the customer.
1. If the termination request exceeds 30 Days, the request will be rejected.
2. Cancellation costs are the responsibility of the customer.
Indeed, it is possible to take out as many insurance agreements as you wish and in particular vehicle insurance provided that the latter is done at the level of the SAA.
In case of a claim affecting the following covers, the documents to be submitted to SAPS are as follows :
In the event of Death due to an accident:
1. Declaration of loss completed and stamped on time
2. Death certificates of the deceased
3. Medical certificate indicating the causes of death of the member
4. Family civil status record
5. Fredha in the event of non-designation of the beneficiary(ies).
6. Membership form, signed by the member.
7. Copy of the report of the gendarmerie and/or the police.
In the event of IAD due to an accident :
1. Declaration of loss completed and stamped on time
2. The original of the membership form, signed by the member.
3. Family record of civil status,
4. Certificate of long illness issued by social security accompanied by legalized copies of the statements of the first and last daily allowance received during the long illness,
5. Notification of invalidity pension issued by social security specifying the classification of the invalid member in the 3rd category of invalids plus the assistance of a third party and the CNAS pension statement (last three statements).
In the event of Death due to an accident:
1. Declaration of loss completed and stamped on time
2. Death certificates of the deceased
3. Medical certificate indicating the causes of death of the member
4. Family civil status record
5. Fredha in the event of non-designation of the beneficiary(ies).
6. Membership form, signed by the member.
7. Copy of the report of the gendarmerie and/or the police.
In the event of IAD due to an accident :
1. Declaration of loss completed and stamped on time
2. The original of the membership form, signed by the member.
3. Family record of civil status,
4. Certificate of long illness issued by social security accompanied by legalized copies of the statements of the first and last daily allowance received during the long illness,
5. Notification of invalidity pension issued by social security specifying the classification of the invalid member in the 3rd category of invalids plus the assistance of a third party and the CNAS pension statement (last three statements).
For reimbursement, it is necessary to make a declaration of loss by constituting a compliant file, the bank will then take care of paying into the beneficiary's account, all of the capital subscribed at the time of membership within a period of fifteen (15 ) days.
Indeed, this account, like all the accounts marketed by the BDL, can be consulted at any time via the BDL mobile banking offer.