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MojePojištění plateb

Convenient accident insurance to protect your regular payments

MojePojištění plateb is intended for:

  • individuals – natural persons aged 18 to 65 years
  • owners of a CZK current account at KB (or entities authorised to dispose of such account)
  • citizens of the Czech Republic as well as foreign nationals

Characteristics of the MojePojištění plateb insurance:

  • insurance coverage is linked to a CZK current account administered by KB
  • covers risk of long-term sick leave, disability or death caused by accident
  • the Extra/Extra+ option also covers the risk of loss of employment
  • the indemnification limit is determined on the basis of regular payments made from an account of the insured person
  • depending on the claim type and selected insurance program, you or your family will receive up to CZK 10,000 a month
  • in case of a sudden decease caused by an accident, your relatives will also receive prompt indemnification of up to CZK 100,000 within 48 hours
  • mojePojištění plateb is arranged for a period of one year with an automatic extension until the insured person reaches the age of 66 (inclusive)
  • 1 or 2 insurance programs may be arranged for one current account – for an owner and/or authorised person of such account
  • 4 insurance programs

Read about the indemnification limits for each option in the table.

Indemnification limits for each insurance program (CZK)
  Klasik Klasik+
Death caused by an accident 50 000*
+ up to 12 × 5 000		 100 000*
+ up to 12 × 10 000
Disability caused by an accident up to 12 × 5 000 up to 12 × 10 000
Sick leave caused by an accident up to 12 × 5 000 up to 12 × 10 000
Monthly fee 39 CZK 69 CZK
  Extra Extra+
Death caused by an accident 50 000*
+ up to 12 × 5 000		 100 000*
+ up to 12 × 10 000
Disability caused by an accident up to 12 × 5 000 up to 12 × 10 000
Sick leave caused by an accident up to 12 × 5 000 up to 12 × 10 000
Loss of employment up to 6 × 5 000 up to 6 × 10 000
Monthly fee 119 CZK 199 CZK

* Nonrecurring immediate support

Regular payments

For the purpose of the indemnification, regular payment refers to monthly, quarterly, semi-annual or annual payments made from a KB account. It includes the following items:

  • Rent payments
  • Electricity/gas consumption payments
  • Payments for third-party supply of heating and hot water
  • Water payments
  • Repair fund contribution
  • Membership interest payments in case of cooperative housing
  • Telephone, radio, and television payments
  • Data services payments – internet
  • Payments for education and educational services
  • Payments for parking or garage space
  • Insurance premium payments as part of motor vehicle liability insurance
Indemnification in case of claims
Regular monthly indemnification
  • 1/12 of total annual expenditures paid from a current account in KB during the last 12 months prior to an insurance claim.
  • the maximum amount is determined on the basis of the selected insurance program.
  • this amount is being paid out for a maximum period of 12 months or throughout the duration of an insurance claim.
Nonrecurring indemnification
  • a fixed amount which is paid out to a beneficiary within 48 hours from the moment an insurance claim is reported and all the necessary documents are submitted to Komerční pojišťovna
  • the amount of the nonrecurring indemnification is determined on the basis of the selected insurance program
  • the funds are paid out (in the form of a lump-sum amount) by means of a bank transfer from KP to the specified current account in any bank in the Czech Republic

For a specific example, click on the link.

Example:

Mr. Petr had a car accident, after which he was first hospitalized for a month, subsequently spending another 7 months on a sick leave. Prior to the accident, he paid the following monthly expenditures from his current account in KB:

Electricity: CZK 2,500; telephone and internet connection: CZK 2,000; water payments: CZK 1,000; garage space: CZK 1,500; motor vehicle liability insurance CZK 500; education of children: CZK 2,000. In total, his expenditures amounted to CZK 9,500.

In case of the insurance program Klasik for CZK 39 a month, Mr. Petr will receive regular payments of CZK 5,000 a month for the period of 7 months (a waiting period of 1 month applies). The total payment will thus amount to CZK 35,000.

In case of the insurance program Klasik+ for CZK 69 a month, Mr. Petr will receive regular payments of CZK 9,500 a month for the period of 7 months (a waiting period of 1 month applies). The total payment will thus amount to CZK 66,500.

Benefits of the MojePojištění plateb insurance:

  • effective financial help with payments of regular expenditures in case of an accident or loss of employment
  • partial compensation of the loss of income
  • the insurance will compensate the reduced income in case of a working inability (sick leave)
  • thanks to the insurance, you have regular income for the period of one year in the amount of up to CZK 10,000 a month
  • prompt indemnification of up to CZK 100,000 within 48 hours
  • 4 insurance programs for various needs of clients
  • insurance coverage also applies to events arising abroad
  • insurance indemnification is not subject to income tax
  • simple conclusion of a contract without a medical questionnaire
  • the insurance can be arranged at any KB branch

MojePojištění plateb will allow you to:

  • get financial security for you or your relatives in case of a long-term sick leave, disability, loss of employment or decease caused by an accident
  • get funds for the settlement of regular household payments
  • get financial security at an attractive price
  • insure up to 2 persons on one account
  • select a suitable insurance program based on need

How to get MojePojištění plateb?

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

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