FINANCIAL PROTECTION
Bancassurance
reimagined_
How banks create new customer experiences
A security upgrade for your bank account
When it comes to financial matters, banks are often the first point of contact for their customers – but often only in emergencies. With our account upgrade, banks can now create an unprecedented customer experience and offer real added value: the feeling and knowledge of security! Choose our ZERO Income Protection and show your customers that you offer more than just banking services – real support when they need it most.
What is ZERO’s Income Protection?
Services
Our income protection closes the gap between the last net salary and payments from sickness or unemployment benefit schemes.
Our service is aimed at both employees and self-employed workers.
Your customers can focus on what matters most: recovery without financial uncertainty.
Integrations
Our Income Protection becomes part of the bank account’s service package – an upgrade, so to speak. Customers choose the preferred bank account and automatically enjoy insurance coverage without any additional bureaucracy.
Benefits
With our solution, you offer your customers financial security for emergencies.
This increases customer loyalty and satisfaction, sets you apart from the market, and sets new standards.
And the best part? By integrating our insurance feature into the service package of the bank account, it is not considered insurance mediation, which makes our product particularly straightforward.
The impact of sickness and unemployment
“Research indicates that individuals impacted by illness or unemployment face an average monthly loss of €560.”
– (Study by the German Institute for Economic Research (DIW) from 2020)
Get started simply with ZERO
We ensure the integration of Invisible Insurance is as straightforward as it gets:
Firstly, we take care of the product integration together, then we deal with the technical integration. The first step in product integration is to find out how you want to integrate the insurance into your offer. In this conception phase, we are happy to support you in identifying the appropriate model. Depending on which services or products you want to enhance with an insurance benefit, for example a premium membership, a one-time insurance or a premium price model may make sense as an offer to your customers. In the latter case, the product is offered without insurance coverage as well as with coverage – as a premium variant.
Once the concept and thus the framework for the insurance has been created, the next step is to create a purpose-fit insurance solution. This involves clarifying which insurance has added value for customers and which data is available to calculate the price. The technical integration is followed by the implementation of the created product concept. If necessary, you can adjust your website and integrate ZERO’s technical interface. By using the API connection, you can add or remove members, manage contracts and much more. Even if you want to change something manually, you can do so via our web interface, which gives you unrestricted access to the insurance.
Got questions?
Play it safe with ZERO