MojePojištění plateb
MojePojištení plateb will help you cover your regular monthly expenses paid from your current account at Komercní banka if you become incapable to work for a long period of time, disabled, lose your job or die suddenly. The amount of regular indemnity derives from regular payments sent from the insured’s current account. The regular payments doesn´t include instalments of the loans.
The insured’s state of health is not examined when arranging this type of insurance.
| Insurance indemnity limits | Death due to accident | Disability due to accident | Inability to work due to accident | |
|---|---|---|---|---|
| Klasik | monthly | up to 12 × CZK 5,000 |
up to 12 × CZK 5,000 |
up to 12 × CZK 5,000 |
| immediate lump-sum payment | CZK 50,000 | - | - | |
| Klasik+ | monthly | up to 12 × CZK 10,000 |
up to 12 × CZK 10,000 |
up to 12 × CZK 10,000 |
| immediate lump-sum payment | CZK 100,000 | - | - | |
| Insurance indemnity limits | Death due to accident | Disability due to accident | Inability to work due to accident | Loss of employment | |
|---|---|---|---|---|---|
| Extra | monthly | up to 12 × CZK 5,000 |
up to 12 × CZK 5,000 |
up to 12 × CZK 5,000 |
up to 6 × CZK 5,000 |
| immediate lump-sum payment | CZK 50,000 | - | - | - | |
| Extra+ | monthly | up to 12 × CZK 10,000 |
up to 12 × CZK 10,000 |
up to 12 × CZK 10,000 |
up to 6 × CZK 10,000 |
| immediate lump-sum payment | CZK 100,000 | - | - | - | |
How to arrange the insurance
Insurance terms and conditions
The biggest benefits offered by this product
- effective financial help with payments of regular expenses in case of an accident or unemployment
- regular monthly income up to CZK 10,000 per month for up to one year
- fast indemnity payment up to CZK 100,000 within 48 hours
- 4 insurance options for different needs of clients
- insurance also applies to insured events occurring abroad
- insurance indemnity is not subject to income tax
Example 1
Peter had a car accident resulting in a one-month hospitalisation and then he had to stay on sick leave for 7 months. Before the accident he paid from his KB account the following monthly expenses:
electricity CZK 2,500; telephone and internet connection CZK 2,000; water supply and water charges CZK 1,000; garage parking CZK 1,500; compulsory third-party car insurance CZK 500; education of his children CZK 2,000. His expenses total CZK 9,500.
Under the Klasik option for CZK 39 per month Peter will be regularly receiving CZK 5,000 for the period of 7 months (deferred period – 1 month). The total indemnity will thus add up to CZK 35,000.
Under the Klasik+ option for CZK 69 per month Peter will be regularly paid CZK 9,500 for the period of 7 months (deferred period – 1 month). The total indemnity will thus add up to CZK 66,500.
Example 2
Peter from example 1 has a wife who is the authorised person to his KB account and she has also arranged the payment insurance MojePojištění. Both of them were injured in that car accident. Eva’s hospitalisation lasted 2 months and then she spent 9 months on sick leave. As Eva’s insurance is arranged to Peter’s account, same regular payments as in example 1 will be used in the calculation of insurance indemnity.
Under the Klasik option for CZK 39 per month Eva will be regularly receiving CZK 5,000 for the period of 10 months (deferred period – 1 month). The total indemnity will thus add up to CZK 50,000.
Under the Klasik+ option for CZK 69 per month Eva will regularly paid CZK 9,500 for the period of 9 months (deferred period – 1 month). The total indemnity will thus add up to CZK 85,500.