In the event of
incapacity for work

Up to CZK 10,000 a

Arrange coverage without any medical questionnaire

Insurance covers any events abroad

Two insurance policies can be taken out for a single accoun


  • Rent and utility payments

  • Telephone and internet charges

  • Garage or parking payments

  • Education payments and school fees

The payment of the fee for insurance, as specified in the contract on the provision of ancillary services, is made on the first business day following the conclusion of the contract on the provision of ancillary services and subsequently on the first business day of each calendar year, by which the effectiveness of the insurance coverage is extended. In case a client does not have sufficient funds in his or her account to settle the fee, it is debited to the given account (overdraft). In case such insurance is purchased in connection with a new account, the fee is charged after the account is activated by an initial deposit.

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Get the service online – directly in the MojeBanka application.



  • 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 
  • 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 
    • 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


Mr. Petr had a car accident that initially resulted in a month-long hospitalization and then a sick leave of 7 months. Prior to his accident, Petr was making the following monthly payments from his KB account:  

  • Electricity                                        CZK 2,500
  • Telephone and internet               CZK 2,000
  • Water charges                                CZK 1,000
  • Garage space                                 CZK 1,500
  • Compulsory car insurance           CZK 500
  • Children’s tuition                           CZK 2,000
  • Petr’s total expenses amount to CZK 9,500.

In case of the Klasik programme (CZK 39 per month), Petr will receive CZK 5,000 for the period of 7 months (with a 1-month waiting period). The total benefits will thus amount to CZK 35,000.

In case of the Klasik+ programme (CZK 69 per month), Petr will receive CZK 9,500 for the period of 7 months (with a 1-month waiting period). The total benefits will thus amount to CZK 66,500.

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).

Documents to download (in Czech only):

Pojistné podmínky MojePojištění plateb (PDF, 225 kB)

Good to have

MůjÚčet Plus
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