Life Insurance
Why take out life insurance?
Our life insurance lives with you. It will help you and your family to manage financially in even the most difficult life situations: serious illness or injury, long-term hospital treatment and incapacity for work, disability and death.
You should especially consider life insurance if you have a family and are paying off a mortgage or other loans, and if therefore a long-term inability to pay would put you and your loved ones in existential danger.
Our life insurance is called Our Life
Our Life is a modern risk-based life insurance product. Configure it so that it suits you perfectly and so that you only pay for what you really need. In addition, you can invest some of your money and make use of tax deductions.
Our Life insurance can always be tailored to your needs. For example, if you start commuting to work regularly, you can set up double indemnity to cover for accidents. It's also simple to increase the sum insured when you have a baby, or reduce your premiums after, for example, you manage to pay off your mortgage.
What does the Our Life insurance protect you against?
- Serious illnesses – including heart attack, stroke, cancer, type 1 diabetes and tick-borne diseases (encephalitis)
- Incapacity for work – whether as a result of illness or injury
- Disability – you can be insured against all types of disabilities caused by injury, illness or mental or behavioural disorders
- Permanent consequences of an injury with progression – the more serious the consequences, the higher the indemnity we will pay
- Death insurance – choose either a standard fixed sum insured or a decreasing rate, particularly suitable for securing mortgages and other loans
Life insurance for children
Having insurance means that if your child is seriously ill, someone in the family will be able to take time off work to look after them. The indemnity will make your troubled times financially sustainable.
- The insurance also covers costs related to serious illness, accidents, disability and long-term hospital treatment
- In addition, you can take out insurance for minor illnesses and accidents
- Finally, money from the investments can help children get a better start in life
Packages with benefits
- ForLoan: Insurance of mortgage or similar loan instalments. It will help pay off the remaining debt in the event of death or third-degree disability.
- ForTravel: This insurance will double the indemnity from other insurance policies in the event of an accident. You will especially appreciate it if you commute daily and like to travel.
- IN SITU: Within the critical illness insurance, you can choose an option that covers early-stage cancer (a tumour).
You can save up to CZK 7,200 a year by investing in life insurance
Life insurance is not a momentary thing for a year or two. Quite the opposite. It should ideally be your companion until retirement. Until then you can invest to be well off when you retire. This is done by taking out both risk insurance and an investment contract in one product.
Life insurance investments pay off thanks to a tax discount of up to CZK 7,200 per year. In addition, life insurance investments are not subject to inheritance proceedings. They will automatically go to a “beneficiary” designated in advance.
Assistance services free of charge
Our Life insurance automatically includes free assistance services. In the event of illness or injury, we will take care of your household, children and pets. This also includes transport from the hospital and journeys to see your doctor, distribution of medicines or food and reimbursement of vets’ expenses. Just call us on 466 100 777 and we take care of everything.
Would you like to report an insured event?
To report damage, please continue to the ČSOB Pojišťovna website: report an event
