Portal PAID is a modern web application developed to support the process of issuing, paying for, and managing the mandatory home insurance policy (PAD) in Romania. The platform's main goal is to fully automate the insurance process, offering a transparent, secure, and efficient experience both for individual users and for the institution managing the national disaster insurance system.
Through this digital solution, users can enter home and beneficiary information, instantly receive an offer, complete payment, and receive the insurance policy by email — all without needing to visit a physical location or contact intermediaries.
Technical Specifications and Key Features:
1. Secure Authentication: Users access the platform via a secure login system that protects personal data and property information. Login is done using an email and password, or through credentials from an existing account.
2. Guided Information Entry:
The platform offers a step-by-step process for entering:
Beneficiary data: name, ID number, email, phone number.
Property details: address, type of construction, surface area, year built.
This guided input minimizes errors and ensures a smooth user experience.
3. Automatic Offer Generation: Based on the provided information, the system automatically generates a personalized insurance offer, displaying the policy cost and relevant conditions. The offer is immediately ready to be converted into an active policy upon successful payment.
4. Multiple Payment Options:
Users can choose between two convenient payment methods:
Online card payment – Fast, secure, and instantly confirmed.
Cash payment at SelfPay terminals – Accessible for users preferring offline transactions.
5. Policy Issuance: After a successful payment, the system automatically transforms the offer into a valid PAD insurance policy. No manual intervention, signatures, or in-person visits are required.
6. Automatic Email Delivery: The final policy is generated in PDF format and automatically sent by email to the beneficiary, providing quick access, easy archiving, and eliminating the risk of losing documents.
7. Annual Renewal Flow: The platform includes an efficient policy renewal system, with automatic reminders and reuse of saved data, reducing user effort and increasing policyholder retention.
Platform Advantages:
✅ Fully digital process, from data entry to issuance
✅ Greatly reduced time to obtain a policy
✅ Available 24/7, accessible from any device
✅ Streamlined experience for all user types
✅ No lines, no bureaucracy, no paper documents
✅ Real-time visibility and clarity of all steps
About the Beneficiary – PAID Romania:
PAID Romania (the National Catastrophe Insurance Pool) is the institution responsible for managing Romania’s national mandatory home insurance system.
The organization's mission goes far beyond just offering insurance. PAID aims to:
Provide real financial protection to homeowners in Romania against major natural events like earthquakes, floods, and landslides. Continuously educate the population about natural risks and the benefits of being insured. Support a more predictable and easier-to-rebuild future, by raising awareness on the importance of insurance among all homeowners.
Through Portal PAID, the institution takes a significant step toward digitalization and accessibility, bringing the system closer to citizens and offering a fast, secure, and transparent tool to protect their homes.
