MojeJistota

A helping hand to assist you with unexpected loss of income,
illness, and other emergencies

Life, risk, and sickness insurance for adults and children

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

Reporting accidents online using Mobilní banka

Consultations and medical assistance free of charge

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

REAL-LIFE STORIES

Family with financial liabilities

CZK 1,292 a month

Jana (40 years) is married; Jana and her husband have two children and a mortgage loan. She works as a store manager and makes about CZK 35,000 a month (net income). Jana’s husband is a stay-at-home dad. After covering all monthly expenses, the family does not have much left; however, they manage to set some money aside. Jana enjoys family trips, particularly ski trips, if she can find the time. She understands that if she were to have an accident or get sick, she would lose some of her income and the family would have to deal with the loss of their main wage earner.

Risk	Sum insured	Recommendation
Death	420,000	Jana is aware of her important role. If worse comes to worst, she knows that her loved ones will have some time to deal with the difficult situation.
Death – degressive	1,080,000	Due to a tight family budget, Jana opted for the combination of insurance coverage for the event of death with a degressive sum insured to ensure the family can function ideally until their children grow up.
Disability – second and third degree	1,080,000	Disability will affect the whole family and Jana can be sure that they will all have some time to adapt to the new circumstances in life.
Permanent effects of an accident 0.001%	500,000	Jana is also concerned about serious injuries – particularly since she uses her car to commute to work; consequently, she took out insurance coverage of permanent effects – from the smallest possible effects.
Permanent effects of an accident 10%	1,500,000	With regard to greater consequences, Jana chose the option paying out benefits from 10%; in extreme cases, benefits can amount to up to CZK 7.5 million for home reconstruction, purchase of medical equipment, and even a special vehicle for disabled persons.
		Total premium: CZK 1,292 a month

^{Period of insurance: 25 years.}

I am single

CZK 555 a month

Karel (23) works as an electronic salesman, earning about CZK 25,000 a month (net income). For the time being, he lives alone and enjoys life. Karel rents an apartment. Outside of work, he enjoys sports and likes to travel. Since Karel lives alone, he decided to take out life insurance in case anything were to happen to him and he would be unable to take care of himself.

Risk	Sum insured	Recommendation
Death	50,000	No other persons depend on Karel’s income; therefore, only the basis amount can be used for the insurance for the event of death.
Disability – second and third degree	1,000,000	The average disability pension (third degree disability) only amounts to CZK 12,727 a month in the Czech Republic and is significantly lower than Karel’s standard income. Disability insurance with benefits at forty times Karel’s wage will help him come to terms with the new situation without worrying about money as well.
Incapacity for work	Depending on the daily allowance corresponding to the decline in income – at CZK 300	Any sick leave means a 40% decline in income for Karel. He can handle it in case of a flu that goes away within a week or two. Longer periods of incapacity for work are covered by the relevant insurance - for up to 365 days.
Permanent effects of an accident	1,000,000	Karel enjoy sports and he understands there is a risk of a serious bicycle accident. In case such accident permanently damages his health, he will receive benefits of up to five times the relevant amount – e.g. for necessary home reconstruction, purchase of medical equipment, special vehicle modifications, and other health-related expenses.
		Total premium: CZK 555 a month

^{Period of insurance: 32 years.}

I am a single mum

CZK 1,000 a month

Lucie (31) lives alone with her son Honza (10). She works as a part-time shop assistant to have some time for Honza and his extracurricular activities. She makes about CZK 14,600 a month. Honza plays football and Lucie takes him to practices and occasional matches. Since her income is not very high, they live with her parents. She realised that if anything were to happen to her, she would lose her income and would be unable to cover her expenses or look after Honza. She cannot rely on her parents forever.

Risk	Sum insured	Recommendation
Death	120,000	Lucie decided to diversify her insurance coverage for the event of death and use both constant and degressive sums insured; for the constant sum, she chose benefits corresponding to her annual income to ensure that Honza would be able to cope with the situation if an insured event occurred.
Death - degressive	700,000	With regard to the degressive amount, she decided to cover the difference between her income and an orphan’s pension that would be paid until her son turns 26.
Disability – second and third degree	200,000	It is important for Lucie to take out insurance against the risk of disability, because such situation would result in a lower income and higher general expenses. In the constant option, she opted for benefits that would ensure that her annual income would not be affected in the event of second degree disability.
Third degree disability – degressive	1,000,000	At the same time, Lucie allocated some of the amount to third degree disability, with a degressive amount for the event she would not be able to work at all.
Incapacity for work	200	Lucie chose the incapacity for work coverage to make up for the loss of income when on sick leave.
Permanent effects of an accident – from 10%	1,109,307	Lucie spends a lot of time in her car; therefore, she also opted for the coverage of permanent effects of an accident – with up to fivefold increase in benefits for home reconstruction and purchase of assistive devices.

^{Period of insurance: 34 years.}

Risk	Sum insured	Recommendation
Hospitalisation	1,000	Lucie’s parents help her look after Honza. However, this would not be possible if Honza ended up in a hospital – her role would be irreplaceable. This is why she chose the maximum amount for such situation, whether due to an illness or accident.
Permanent effects of an accident 0.001%	1,000,000	Even a friendly football match can result in a serious injury and permanent damage to health, with higher day-to-day family expenses and restrictions on parents; for this reason, Lucie chose the highest coverage available for Honza – even for the least serious injuries.
Serious illness	1,500,000	Even though Lucie is most worried about her son getting injured, she knows from experience that a serious illness of a child can paralyze a family and their budget.
		Total premium for Lucie and Honza: CZK 1,000 a month

^{Period of insurance: 34 years.}

For children

CZK 965
(for both children)

Petr and Pavla just had twins and they can see how maternity leave and subsequent parental allowance affect their above-standard business income. They had already addressed their own insurance in the past, but they are now considering insurance for their children. They want to make sure that the relevant coverage reflects their needs and allows them to balance childcare and their joint business ventures. For this reason, they took out insurance that is flexible and can be adjusted in line with the current needs of children and their parents.

Risk	Sum insured	Recommendation
Hospitalisation with progressive benefits	CZK 1,000 a day	If either child is hospitalised, the role of a parent in the hospital will be irreplaceable; this is why they opted for the maximum coverage to compensate for the loss of income.
Hospitalisation as a result of an accident - with progressive benefits	CZK 1,000 a day	Their thinking was the same in connection with sudden hospitalisation as a result of an accident; benefits would be paid out together with the standard hospitalisation benefits.
Health damage resulting from an accident	200,000	Petr and Pavla want to provide maximum security for their children; consequently, they also took out insurance covering any damage to health as a result of an accident. This will ensure financial funds immediately after an accident occurs that can be used for any treatment not covered from health insurance.
Serious illness	1,500,000	Petr and Pavla would like to ensure the best medical care for their children; consequently, they selected maximum coverage for the serious illness insurance.
Permanent effects with fivefold progressive benefits (from 0.001% and/or 10% damage)	1,000,000	As for the previous insurance risks, Petr and Pavla selected the maximum coverage for the event of their children’s permanent effects of an accident – starting from 0.001%, i.e. the least serious injuries.
		Total premium: CZK 965 for both children

^{Pojistná doba 26 let.}

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.

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.

USEFUL INFORMATION

Why the MojeJistota insurance

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

Insurance risks that can be covered

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

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

Reporting insured events

Conveniently report accidents online

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

Other ways of reporting insured events (Czech Version only)

Dokumenty

Documents to download:

Insurance terms and conditions for the MojeJistota risk life insurance - Czech Version only (PDF, 745 kB)

Information for individuals interested in the MojeJistota risk life insurance - Czech Version only (PDF, 228 kB)

Links:

Komerční pojišťovna, a.s.