• MojePojištění Plateb

    Accident insurance that provides protection with regard to your regular payments – with benefits within 48 hours for death.

Effective help

Get financial assistance of up to CZK 10,000 a month for one year.

Income compensation

Compensate loss of income due to accident or unemployment.

Special terms

Get security at a great price.

Flexibility

Select one of four programs in line with your needs.

Why KB?

Secure relatives

Your relatives will get CZK 100,000 within 48 hours in case of death.

Two for one

We will insure one or two people for one KB current account.

Tax free

Insurance benefits are exempt from income tax.

How to get this product?

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

At a branch

Get the service online – directly in the MojeBanka application.

MojeBanka

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

Call Me Back

Intended for

Individuals aged 18 to 65 years – both Czech and foreign nationals.

Other terms and conditions

Individuals must have a CZK current account in KB (or have right of disposal to such account).

MojeJistota

Term life insurance that provides security for you and your loved ones.

Detail

Pricelist

Detailed KB pricelist and interest rates.

Detail

About MojePojištění Plateb

  • Accident insurance that covers risk of insured person’s long-term incapacity for work, disability or death as a result of an accident
  • Insurance linked to your CZK current account in KB
  • Four insurance programs available: Klasik/Klasik+ and Extra/Extra+
  • Extra/Extra+ programs also cover loss of employment risk
  • Insurance benefits are determined on the basis of regular payments sent from your KB current account
  • Based on the claim type and selected program, you or your family will receive up to CZK 10,000 a month
  • In case of sudden accidental death, your relatives will also receive extra prompt benefits (within 48 hours) of up to CZK 100,000
  • Arrange 1 or 2 insurance programs for one account – either for account holder or person with right to disposal to such account
  • Insurance coverage for one year with automatic renewal – up to 66 years of age (incl.) of the insured person

You might also like to know

  • Simple insurance policy process – no medical questionnaire;
  • Insurance also covers any events arising abroad
  • For the purpose of insurance benefits, a regular payment shall mean any monthly, quarterly, semi-annual or annual payments made from the given KB account to a service provider – such as:
    • Lease / sublease payments
    • Electricity and gas payments
    • Payments for external heating and hot water
    • Water charges
    • Repair fund contributions
    • Membership share payments for cooperative housing
    • Telephone, radio, and television charges
    • Payment for data services – Internet
    • Educational and training services
    • Payments for parking or garage space
    • Other payments – only loan payments are excluded
  • Insurance benefits (indemnification) for claims:
    • Regular monthly insurance benefits
      • 1/12 of the total annual expenses paid from a KB account in the past 12 months prior to a claim
      • Maximum amount limited under the selected insurance program
      • Benefits paid out for up to 12 months or claims duration
    • One-off insurance benefits
      • Fixed amount to be paid out to a beneficiary within 48 hours from the moment a claim is reported and all necessary documents submitted to Komerční pojišťovna
      • Amount of such benefits is determined on the basis of the selected insurance program
      • Money paid out in the form of a lump-sum payment to a specified account with any bank in the Czech Republic (bank transfer from KP)
  • For all insurance benefits limits for individual programs, see the following table:
  Klasik Klasik+
Death caused by an accident 50,000*
+ up to 12 × 5,000
100,000*
+ up to 12 × 10,000
Disability caused by an accident up to 12 × 5 000 up to 12 × 10 000
Sick leave caused by an accident up to 12 × 5 000 up to 12 × 10 000
Monthly fee 39 CZK 69 CZK
  Extra Extra+
Death caused by an accident 50,000*
+ up to 12 × 5,000
100,000*
+ up to 12 × 10,000
Disability caused by an accident up to 12 × 5,000 up to 12 × 10,000
Sick leave caused by an accident up to 12 × 5,000 up to 12 × 10,000
Loss of employment up to 6 × 5,000 up to 6 × 10,000
Monthly fee 119 CZK 199 CZK

* Nonrecurring immediate support

Example

Mr. Petr had a car accident, after which he was first hospitalized for a month, subsequently spending another 7 months on a sick leave. Prior to the accident, he paid the following monthly expenditures from his current account in KB:

  • Electricity: CZK 2,500; telephone and internet connection: CZK 2,000; water payments: CZK 1,000; garage space: CZK 1,500; motor vehicle liability insurance CZK 500; education of children: CZK 2,000. In total, his expenditures amounted to CZK 9,500.

In case of the insurance program Klasik for CZK 39 a month, Mr. Petr will receive regular payments of CZK 5,000a month for the period of 7 months (a waiting period of 1 month applies). The total payment will thus amount to CZK 35,000.

In case of the insurance program Klasik+ for CZK 69 a month, Mr. Petr will receive regular payments of CZK 9,500a month for the period of 7 months (a waiting period of 1 month applies). The total payment will thus amount to CZK 66,500.