MojePojištění plateb

Accident insurance that covers your regular outgoings

In the event of
incapacity for work

WE WILL COVER
Up to CZK 10,000 a
month

Arrange coverage without any medical questionnaire

Insurance covers any events abroad

Two insurance policies can be taken out for a single accoun

Up to CZK 100,000 in the event of death

THE INSURANCE COVERS THE FOLLOWING

  • Rent and utility payments

  • Telephone and internet charges

  • Garage or parking payments

  • Education payments and school fees

Selected price list items

Fee for insurance - option Klasik
CZK 468 yearly
Fee for insurance - option Klasik +
CZK 828 yearly
Fee for insurance - option Extra
CZK 1,428 yearly
Fee for insurance - option Extra +
CZK 2,388 yearly

Úhrada poplatku za pojištění specifikované ve smlouvě o poskytování doplňkové služby, je uskutečněna k prvnímu pracovnímu dni následujícím po uzavření smlouvy o poskytování doplňkové služby a k prvnímu pracovnímu dni každého kalendářního roku, o který se účinnost pojištění prodloužila. Pokud není na účtu klienta dostatečná částka pro úhradu poplatku, je poplatek stržen do debetu na daném účtu. Pokud je pojištění sjednáno k novému účtu, ke stržení poplatku dojde až po aktivaci účtu počátečním vkladem.

Sjednejte si

At a branch

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

By phone

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

MojeBanka

Get the service online – directly in the MojeBanka application.

MojeBanka
Loading

USEFUL INFORMATION

  • Accident insurance that covers the risk of long-term incapacity for work, disability or death as a result of an accident 
  • Based on the insured event type and selected programme, you or your family will receive up to CZK 10,000 a month 
  • In the event of sudden death as a result of an accident, we will pay up to CZK 100,000 to your family within 48 hours 
  • You can take out one or two insurance policies for a single account: for the account holder and also for the authorised person 
  • Insurance term of one year with automatic renewal until the age of 66 (inclusive) of the insured person 
  • Insurance benefits are not subject to income tax 
  • Simple contract conclusion without any medical questionnaire 
  • Insurance also covers any events abroad

The amount of insurance benefits will be determined on the basis of your regular payments sent from your current account in KB. 
You can select one of 4 insurance programmes: Klasik / Klasik+ and Extra / Extra+. The Extra / Extra + insurance programmes also cover the risk of job loss.
For the purpose of insurance benefits, regular payments mean any monthly, quarterly, semi-annual or annual payments made from a KB account to service providers such as: 

  • Lease/sublease payments 
  • Electricity and gas payments 
  • Payments for external heating and hot water 
  • Water / drainage rates 
  • Contributions to the ‘repair fund’ 
  • Members’ contributions for cooperative housing
  • Telephone, radio, and television charges 
  • Payment for data services - Internet 
  • Education payments and school fees
  • Payments for garage or parking space 
  • And other payments, with the exception of loan instalments 

Form of insurance benefits: 

  • Regular monthly insurance benefits 
    • 1/12 of total annual outgoings paid from a KB current account during the last 12 months before the insured event 
    • Maximum amount depends on the selected insurance programme 
    • The amount is paid out for no more than 12 months or for the duration of the insured event 
  • Lump-sum insurance benefits 
    • Fixed amount paid out within 48 hours from the moment an insured event is notified and all necessary documents delivered 
    • Lump-sum insurance benefits depend on the selected insurance programme
    • Funds are paid out on a one-off basis to a specified current account with any bank in the Czech Republic via credit transfer 

See the limits of insurance benefits for individual programmes in the following table: 
      
* Lump-sum insurance benefits 

Death due to accident Disability due to accident  Incapacity for work due to accident Job loss Monthly fee
50,000 100,000 up to 12 x 5,000 up to 12 x 10,000 CZK 119

 

Pan Petr měl autonehodu, po které byl nejdříve 1 měsíc hospitalizován a následně strávil 7 měsíců v pracovní neschopnosti. Před nehodou platil ze svého běžného účtu u KB následující měsíční výdaje:

  • elektřina 2 500 Kč
  • telefon a internetové připojení 2 000 Kč
  • vodné a stočné 1 000 Kč
  • garážové stání 1 500 Kč
  • povinné ručení 500 Kč
  • vzdělání dětí 2 000 Kč

Celkově jeho výdaje činí 9 500 Kč.

V případě varianty Klasik za 39 Kč měsíčně budeme Petrovi pravidelně vyplácet 5 000 Kč po dobu 7 měsíců (1 měsíc karenční lhůta). Celková výplata plnění tak bude činit 35 000 Kč.

 

V případě varianty Klasik+ za 69 Kč měsíčně budeme Petrovi pravidelně vyplácet 9 500 Kč po dobu 7 měsíců (1 měsíc karenční lhůta). Celková výplata plnění tak bude činit 66 500 Kč.

Pojištění si můžou sjednat fyzické osoby ve věku od 18 do 65 let, občané ČR i cizinci. Fyzická osoba musí být majitelem našeho běžného korunového účtu (nebo osoba zmocněná k nakládání s účtem).

Good to have

MůjÚčet Plus Account
Account for everyone with authorized overdraft up to CZK 60,000.
  • Cash withdrawals from KB ATM free of charge
  • 2 Cash withdrawal from ATM of other domestic banks monthly free of charge
MojePojištění plateb
Accident insurance that covers your regular outgoings
  • We will pay instead of you up to CZK 100,000 monthly
  • Up to CZK 100,000 in the event of death
Merlin Payment Card Insurance
Payment card insurance against unauthorized use in case of loss or theft
  • Merlin also covers keys, mobile phones, and wallets plus contents
  • Merlin offers worldwide insurance coverage