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MojePojištění plateb

Convenient accident insurance.

MojePojištění plateb is intended for:

  • Physical entities aged 18 to 65 years
  • Owners of a CZK current account in KB (or entities authorized to dispose of such account)
  • Citizens of the Czech Republic as well as foreign nationals

Characteristics of the MojePojištění plateb insurance:

  • Insurance coverage linked to a CZK current account administered by KB
  • Covers risk of long-term sick leave, disability or decease caused by an accident
  • The option Extra/Extra+ also covers the risk of loss of employment
  • 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 the period of one year with an automatic extension up to the 66th year of age (incl.) of the insured person
  • 1 or 2 insurance programs may be arranged for one current account – for an owner and/or authorized person of such account
  • 4 insurance programs
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 payment

For the purpose of the indemnification, a 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 with regard to motor vehicle liability insurance
Indemnification in case of claims
Regular monthly indemnification
  • One twelfth 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 the period of up to 12 months or throughout the duration of an insurance claim.  
Nonrecurring indemnification
  • 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 (KP). The amount of the nonrecurring indemnification is determined on the basis of the selected insurance program.
  • 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.
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 the payments of regular expenditures in case of an accident or loss of employment
  • Partial compensation of the loss of income (risk – Loss of employment)
  • Compensation of the income reduction in case of a working inability (sick leave)
  • 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 an income tax
  • Simple conclusion of a contract without a medical questionnaire
  • The insurance can be arranged at any KB branch

MojePojištění plateb will enable 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 for one account
  • Select a suitable insurance program based on your needs

How to get MojePojištění plateb?

  • Contact your relationship manager
  • Call the toll-free KB Info Line at 800 521 521

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