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Merlin

Insurance for your card.

Merlin insurance is intended for:

  • for every owner of a KB personal account or person authorised to use this

Characteristics of Merlin insurance:

  • the provider of the product is Komerční pojišťovna a.s.
  • card insurance for cards issued to owners of personal accounts or an authorised person
  • relates to all cards issued in the name of the insured party
    • for KB accounts
    • by other banks based in the Czech Republic
  • provides protection against the consequences of payment card misuse in the event of its loss or theft, anywhere in the world
  • insurance coverage also relates to:
    • theft of cash withdrawn using the card
    • loss or theft of personal belongings
    • misuse of a mobile telephone
    • and selected bank fees
  • protection against unauthorised card transactions performed before stop listing and all transactions performed off-line until midnight of the day when the card was stop listed – even if using the PIN number
  • no excess
The level of insurance cover is
  • up to CZK 30,000 in the event of unauthorised card payments
  • up to CZK 10,000 in the event of unauthorised card withdrawals at a branch or from a cash machine
  • up to CZK 5,000 in the event of creation of costs for production of new keys
  • up to CZK 15,000 in the event of creation of costs for acquiring of personal belongings (mobile phone, mp3, wallet, keys, documents etc.)
  • up to CZK 1,000 in the event of creation of costs for repeated delivery of PIN to the card
  • up to CZK 12,000 in the event of creation of costs for delivery of the card and its PIN abroad
  • up to CZK 1,000 in the event of creation of costs for issuance of KB card following a stoplisting and for issuance of KB card’s duplicate
  • up to CZK 15,000 in the event of creation of costs for issuance of an emergency cash advance
  • up to CZK 5,000 in the event of creation of costs for calling from and sending of SMS/MMS from a stolen mobile telephone
  • Detailed information about insurance terms and conditions, exclusions from insurance and limits of insurance payments can be found in the current Merlin Insurance terms and conditions on the Komerční pojišťovna, a.s. website.
Insurance premium
  • The premium for inclusion of a person into the Insurance for the first year is 1/12 of its standard level for each whole calendar month remaining after the date of conclusion of the insurance until the end of the calendar year.
  • E.g. a client who concludes an insurance contract on 12. 6. – only pays the premium for 6 months (from 1. 7. until 31. 12.) at the level of CZK 138.
  • The insurance premium is CZK 276 per year and in the event of a second insurance policy for one account (for an authorised party) CZK 192 per year
Insurance period
  • Insurance in the first year lasts until 31 December
  • after that, it is automatically renewed for the next calendar year
Insurance validity
  • worldwide

Advantages of Merlin insurance:

  • unique coverage of risks relating to misuse of card issued by other banking institutions based in the Czech Republic
  • coverage of transactions even if PIN number is used
  • peace of main and financial certainty in the event of loss or theft of a payment card
  • coverage of selected bank fees, which are automatically returned to the account
  • low price in comparison with the scope of insurance coverage
  • coverage of costs relating to loss of your card and also personal belongings
  • global validity of the insurance

Merlin insurance allows you:

  • safe use of payment cards

How to get Merlin insurance?

  • contact your relationship manager
  • call the free KB Info line on 800 521 521

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