Insurance can be taken out by anyone who holds a payment card issued by us, whether it is a physical, digital, debit or credit card. The insured is the holder of the payment card. If you want to insure a card belonging to your child under the age of 18, you can do so at a branch or by phone at 495 300 300.

Yes, they do. You will report the loss for each stolen payment card. Take the following example. Let’s say you have two cards. One is insured for financial loss of up to CZK 50,000 and the other of up to CZK 150,000. Both cards are misused. Someone draws CZK 20,000 from the first and CZK 150,000 from the second. You fill out two loss-incurring event notifications with a total loss of CZK 170,000. We will then reimburse you up to CZK 170,000.

Yes; the insurance also covers cash if it is stolen under threat of violence (from the account to which the payment card is linked). Specifically, in these two cases:

• the robbery occurred within 24 hours of the cash withdrawal,
• the assailant forced you to withdraw the cash.

The insurance also covers items you borrow from your employer to do your job – such as your company mobile phone or laptop. We will reimburse you for the amount your employer asks you to pay. For this, we will need written proof from you of the amount required.

You can find everything about your insurance in the ČSOB Smart application under My Products – Insurance. You can also use Internet Banking.

1. Block the card permanently. You can do this at any time by phone at 495 800 111 or in the ČSOB Smart application in the Cards section. If you do not permanently block the card, you will not be entitled to insurance benefits.
2. After the card is blocked, the insurance claim will be automatically registered and you will receive an email (or possibly written communication) with a link to the next steps. If you have blocked only a digital card or have not received an email, please report the claim by calling ČSOB Insurance at +420 466 100 777.
3. Provide to us what happened. After the insurance claim is registered, we will need you to fill in the necessary information (e.g. the date and time of the loss or theft of the payment card), provide a more detailed description of how the insured event occurred, and submit the documents required to process the claim (proof of purchase for lost or stolen items, a police report, and any additional documents requested by ČSOB Insurance).

The insurance claim will be automatically registered once the insured payment card has been permanently blocked; alternatively, please report the claim by phone as soon as possible after it occurs.

This depends mainly on how quickly you provide us with all the necessary documents. The payment of the indemnity then usually takes 1–2 weeks.

You do not have to worry about paying for the insurance. The amount will be debited from your account automatically at the end of the month in which the insurance was taken out. Thereafter, it will automatically be debited each year on the anniversary of the insurance.

If you do not want insurance for another year, you must cancel it no later than 7 days before the anniversary. For example, your insurance has an anniversary on 31 March. In that case, it must be cancelled no later than 24 March.

You can terminate your insurance by phone at 495 300 300, in person at a branch, or by sending a written request to our head office.

If you cancel the insurance or change the insurance version, the fee for the insurance already paid will not be refunded.

To use assistance services, always contact ČSOB Pojišt'ovna at 466 100 777. Assistance services cannot be provided without a call to this telephone number.