Profi Merlin

The insurance applies to all business payment cards issued in the name of the insured (i.e. issued by other banks based in the Czech Republic) provided that the account’s owner is a legal person.

Profi Merlin insurance protects you against the consequences of having your payment (debit or credit) cards abused if lost or stolen, the risk of an unauthorized withdrawal of cash, theft of your personal effects (payment card, mobile phone, glasses, mp3 player, notebook, wallet, cosmetics, etc.). The loss of identification documents and keys is also insured. The abuse of mobile phones is also covered. In addition, this unique insurance coverage appertains to collected KB bank fees as well.

Abuse of your card by a third person - payments by card - withdrawals by KB card or from KB ATMs - withdrawals by cards of other banks from ATMs of other banks	CZK 60,000
Theft of cash (takings) carried to be deposited at a KB branch	CZK 30,000
Cost of having replaced your personal effects, keys, identification documents, mobile phone and cash within 48 hours after withdrawal (max. CZK 10,000 for mobile phone including its abusement)	CZK 30,000
Fees for stoplisting and issuance of a new card after the stoplisting	CZK 30,000
Cost of having your new PIN for the card delivered
Cost of courier services for having you card and its PIN sent abroad
Cost of having a replacement card after the stoplisting and a new card issued
Cost of your emergency cash advance
Reimbursement of the fee paid for delivering funds in case of theft or robbery of card and cash	CZK 2,500
Annual fee	CZK 468

Please report any loss or theft of the card to Komerční banka – telephone number (+420) 955 512 230 – without undue delay, and, at the same time, inform Komerční pojišťovna a.s. about the insured event occurrence – telephone number (+420) 222 095 888.

You can obtain our products at any branch of Komerční banka. For more information call the Call centrum of Komerční pojišťovna using the free Info Line 800 10 66 10.

• financial help in case of loss or theft of your payment card
• unique insurance relating to all business payment cards issued in the name of the insured by any bank based in the Czech Republic
• security of cash deposits and withdrawals
• attractive insurance of selected bank fees and their automatic refund to the insured’s account
• insurance of personal effects (mobile phone, mp3 player, wallet, keys, identification documents, etc.)
• reimbursement for cost incurred by having your mobile phone stolen and abused

An employee has been robbed when carrying the takings to the bank. His briefcase holding his wallet, notebook, glasses, ID card, business payment card, mobile phone and keys was stolen together with the takings. The client has asked for the stoplisting of the card, applied for a new card, bought a new phone, wallet, notebook and glasses. He also had to have his new identification documents issued and the security locks to his office exchanged.

Total damage and cost: CZK 68,200:

Theft of takings totalling	CZK 20,000
Unauthorized transactions by his card	CZK 30,000
Fees for the stoplisting and issuance of a new card	CZK 4,000
Cost of purchasing his new mobile phone	CZK 5,000
Cost of purchasing his new wallet	CZK 500
Cost of purchasing a new notebook	CZK 3,000
Cost of purchasing new glasses	CZK 2,000
Cost of exchanging the locks	CZK 3,000
Cost of having new identification documents issued	CZK 500
The fee for issuing a new card (CZK 200) has been automatically refunded to the client’s account thanks to the insurance	CZK 200

Thanks to having his card insured, Profi Merlin helped him to deal with the problem and reimbursed him for the entire damage in return for a mere CZK 468 per year!