THE love expanded its service portfolio. This Thursday (5), the digital portfolio of Americans inaugurated insurance against undue transactions via Pix and the like, with monthly fees starting at R$0.60 and 40% cashback upon hiring. The new product is not limited to the platform and covers accounts of any bank, in addition to cards.
Known as Protected Wallet, the solution created in partnership with Previsul is accessible and flexible. After all, users can structure a plan according to their needs.
All hiring is carried out by love. When accessing the insurance area, users can choose the amount of coverage for undue debts via Pix, TED or DOC, in addition to TEFs, payment of slips and cell phone recharge.
Alternatives range from R$500 to R$35,000.
Choosing this amount affects other insurance coverage. For example, maintaining the ceiling of BRL 35,000, the user is entitled to the following benefits:
- Coverage of BRL 10 thousand for loss, theft or theft of the card;
- Coverage of BRL 3 thousand for withdrawal or purchase under duress with your credit card;
- Coverage of BRL 2 thousand for Protected bag and cell phone.
Note that the second benefit talks about “credit card”. And this is an important point as users can select from one to eight cards to protect them with insurance.
Customers also participate in a monthly draw.
Seguro da Ame has plans from R$ 0.60
The choice depends on the final value of the insurance, which varies from R$ 0.60 per month, with coverage of R$ 500 and for only one card, up to R$ 26.85 per month, when selecting the complete package.
These options give you more flexibility when purchasing Ame insurance. In addition, Ame is offering a cashback 40% at launch.
Payment can be made by credit card (in installments), Ame account balance or with the cashbacks accumulated in the Americanas digital wallet.
Subscription to the service is now available to users. To sign it, simply access the “Insurance and plans” option on the application’s home screen.
Is the Protected Wallet worth it?
With the launch of the Protected Wallet, Ame joins forces with other banks and fintechs that provide insurance to protect undue transactions.
Right off the bat, there are two factors that stand out in the service. Let’s start with the 40% cashback that will be offered at launch. The flexibility to choose the plan according to the client’s needs is another weight in the balance.
Ame also explains that the insurance covers “improper transactions for Ame customers who have an account at any other bank or fintech” and up to eight credit cards. That is, it is not something restricted to the digital wallet.
Regarding undue debts via Pix, TED and DOC, Ame explained to the Technoblog that the coverage is also valid for transactions made on the accounts after the theft of the cell phone, in addition to cases of duress.
It is a distinction between other Pix insurance available on the market that only offer this coverage in cases of threat.
Ame’s new product also pays attention to other factors, such as improper credit card transactions.