Risk life insurance
MojeJistota

Double indemnity in case of serious illness

Valid for contracts concluded until 30 November 2021

Life, risk, and sickness insurance for adults and children

Reporting accidents online using Mobilní banka

Benefits paid out from the first day for long-term illness

Consultations and medical assistance free of charge

REAL-LIFE STORIES

sjednání s bankovním poradcem online

Purchase insurance over the phone

You can also purchase insurance over the phone with your relationship manager. For contact details, go to your MojeBanka internet banking or Mobilní banka app.

WHEN CAN YOU RELY ON INSURANCE?

  • Accidental injury or incapacity for work

     

     

  • Severe illness

  • In the event of second or third degree disability

  • Situations with severe or fatal consequences

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.

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USEFUL INFORMATION

  • Flexible life insurance that can be adjusted in line with the current needs; you can modify the scope of coverage or monthly payments at any time
  • Up to four times the agreed daily allowance paid out for hospitalised children
  • Benefits paid from the first day for long-term illness  
  • Telephone consultations and medical assistance available
  • Discuss your diagnosis, health problems, and prescriptions with a physician on the phone
  • One insurance policy for you and your children

The MojeJistota insurance covers a wide selection of risks for any situation in life. You can select any combination of the risks and define your own insured amounts.

For adults

  • Second or third degree disability

Insurance for the event of second or third degree disability as a result of an illness or accident. Choose either a constant or degressive sum insured, at your own discretion.

  • Permanent effects of an accident

Receive insurance benefits of up to five times the sum insured for serious injuries that have permanent effects.

  • Damage as a result of an injury

You can receive insurance benefits of up to CZK 400,000 even for injuries that do not result in permanent effects.

  • Hospitalisation

You will be entitled to insurance benefits – regardless of whether you end up in a hospital as a result of an illness or accident. These benefits will help you cover additional cost and overcome temporary loss of income.

  • Incapacity for work

For long-term incapacity for work, insurance benefits are paid from the first day (retroactively). You will be entitled to the payment of insurance benefits after 29 days of incapacity for work.

  • Serious illness

We pay out benefits for 32 types of serious health problems, including, but not limited to, heart attacks, strokes, cancer or multiple sclerosis.

  • Death

Insurance for the event of death should help survivors in overcoming the most difficult period that is also associated with a loss of family income. Choose either a constant or degressive sum insured, fully in line with your own needs.

For children

  • Permanent effects - with progressive benefits

In the event of serious injuries that may result in your children’s permanent effects, you can get insurance benefits amounting to up to five times the sum insured.

  • Hospitalisation with progressive benefits / Hospitalisation as a result of an accident – with progressive benefits

You will be entitled to insurance benefits – regardless of whether your child ends up in a hospital as a result of an illness or accident. These benefits will help you cover additional cost or overcome temporary loss of income, e.g. in case you need to stay in the hospital with your child.

  • Damage as a result of an injury

You can receive insurance benefits of up to CZK 200,000 even for normal injuries of your children that do not result in permanent effects. 

  • Serious illness

Unfortunately, serious illnesses do not spare children. We pay out benefits for 26 types of serious health problems, including, but not limited to, diabetes, meningitis or transplantation of vital organs.

Assistance services are included with the insurance coverage. All clients may benefit from:

  • Telephone consultations with physicians – if you need to discuss your health problems, require explanation of some medical terms, need contact details for a specialist, etc.
  • Ride back from a hospital. If you are hospitalised after an accident, our assistance service will arrange a ride back home after your discharge from the hospital

Conveniently report accidents online

  1. Sign in to Mobilní banka and select the MojeJistota product
  2. In policy details, select “Report accident
  3. Complete any required data: accident date, occupation, whether you are a registered athlete, and account number for the payment of insurance benefits;
  4. Take a picture of your medical documentation and upload the photograph. 

Other ways of reporting insured events (Czech Version only)

 

Representative example:

MojeJistota risk life insurance for a man at the age of 30, with insurance period of 20 years; he is an administrative employee that does standard recreational sports and has a monthly income of CZK 30,000. Insurance covering third-degree disability with a constant sum insured of CZK 1,000,000 – monthly insurance premium of CZK 121.

MojeJistota risk life insurance for a child with entry age of 0 to 14 years, with insurance period until the child turns 26 years old. Insurance covering permanent effects of accidents with damage to health from 10% and sum insured of CZK 5,000,000 - including fivefold progressive benefits – monthly insurance premium of CZK 60.

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