Protection against
incapacity for work 

Receive up to
CZK 40,000 per month

Purchase your policy without any medical questionnaire

Insurance coverage in the Czech Republic and abroad

Choose one of 2 available insurance programmes

Up to CZK 400,000 in the event of death


  • Lease of business premises

  • Payments for utilities

  • Telephone and internet charges

  • Payments for parking or garage space

Selected price list items

Fee for insurance - option Klasik
CZK 990 yearly
Fee for insurance - option Extra
CZK 1,990 yearly

How to get this product?

By phone

Leave it all up to us. Leave your contact information – we will call you back.

At a branch

Select a branch, leave your contact information – we will call you back.



Monthly benefits are determined on the basis of regular payments from your business account.

A regular payment shall mean any monthly, quarterly, semi-annual or annual payment made from your business account – with the exception of loan payments.

Examples of regular payments:

  • Lease/sublease of business premises
  • Electricity and gas payments
  • Payments for external heating and hot water
  • Water charges
  • Telephone, radio, and television charges
  • Internet charges
  • Payments for garage or parking space
  • And other payments

Comparison of the Klasik and Extra insurance programmes

  • It covers regular expenses for up to 12 months in case of unexpected events and incapacity for work caused by accident
  • Accident insurance covers the risk of long-term incapacity for work, disability or death
  • Two insurance programmes available – Klasik or Extra
  • Monthly benefits are determined on the basis of regular payments made from your KB business current account
  • Based on the claim type and selected programme, we will provide you with monthly income of up to CZK 40,000 for a year
  • Insurance also covers any claims arising abroad
  • Purchase your insurance policy at any KB branch, without the need to complete a medical questionnaire
  • Insurance benefits are exempt from income tax

Intended for holders of our business accounts between the ages of 18 and 65 years.

Purchase your insurance policy:

  • At any KB branch
  • In the Mojebanka internet banking