VICTORIA-Seguros, S.A.

VICTORIA-Seguros is based in Lisbon and easily accessible to customers through a network of branch offices located in most major cities throughout the country. VICTORIA-Seguros ranks second in Portugal in the management of corporate benefit plans including life, personal accident, and pension schemes as well as workmen's compensation insurance. VICTORIA-Seguros is also Portugal's third largest provider of group health insurance and offers health plans with a wide range of benefits to supplement the National Health Service. The majority of VICTORIA-Seguros' group health insurance clients are large multinational corporations.

The VICTORIA, founded in 1853, represents IGP in Austria, Germany and Portugal. The VICTORIA is a leading underwriter of group life, disability, and pension plans and, with a reputation for technical expertise, is able to provide tailored services to small, medium, and large corporate clients.

In 1998, VICTORIA, Hamburg Mannheimer, DKV, and D.A.S. merged to form the ERGO-Group. The ERGO-Group has nearly EUR 17 billion (USD 22.8 billion) in premium income and is the second largest primary insurer in Germany.

The two leading rating agencies, Standard & Poor’s and Moody’s, have assessed VICTORIA Life’s financial strength as AA- (Very Strong) and Aa3 (Excellent Financial Security), respectively. Out of approximately 120 life insurance companies in Germany, only a few besides the VICTORIA have a Double-A rating, which is currently the highest available rating category in Germany.

VICTORIA-Seguros has been an IGP Network Partner since 1967.

Key Products

• Life
• Accidental Death and Disability
• Permanent and Total Disability
• Life Cover for Retirees
• Widow's and Orphans' Pensions

• Accident and Sickness

• Childbirth
• Dental Care
• Drugs and Medicines
• Glasses and Prosthetic Devices
• Inpatient Expenses
• Outpatient Expenses (Appointments, Treatments, and Examinations)

• Insured Pensions

• Automobile Insurance
• Fire Insurance
• General Liability
• Multi-Risk Insurance
• Personal Accident Insurance
• Property Insurance
• Workmen's Compensation

VICTORIA-Seguros is located on the internet at: www.victoria-seguros.pt. (Information not available in English.)