Insurance for Repayment

If you lose your job, we pay up to 12 repayments for you

In the most difficult of times, we will repay the rest of your debt

Insurance can be adjusted during the repayment period

This offer also applies to foreigners

You no longer have to worry about mortgages or loans

Thanks to the insurance, a loan in the event of a loss of income
will not burden your loved ones

Insurance can be arranged
within 6 months of signing the contract

Insurance premium depends
on the amount of your repayments

This insurance is primarily suited to

A mortgage

You will be sure that you won’t lose the roof above your head. We will cover up to CZK 5 million. And if you cannot repay, we will pay up to CZK 50,000 a month for you.

A loan

We can help you with your repayments in a difficult situation. You will be covered for up to CZK 1.2 million, and no medical examination is required to arrange it.

Apply at a branch

Jak sjednání probíhá?

Pojištění si snadno sjednáte na kterékoli pobočce:

Stačí vám korespondenční adresa v ČR
Na státní příslušnosti nezáleží
Pojištění si můžete pořídit k našim hypotékám i půjčkám

Připomeneme jen, že pojišťujeme vždy jednu osobu k jedné smlouvě o spotřebitelském nebo hypotečním úvěru.

Pojistné plnění a jeho omezení

ČSOB Pojišťovna a.s. poskytuje pojistné plnění, pokud je splněna definice pojistné události a nejde o výluku z pojištění.

Pojistná událost je definována ve zvláštních pojistných podmínkách. Pro případ smrti je pojistná událost popsána v článku 3 a pro případ invalidity 3. stupně v článku 4.

Výluky z pojištění jsou součástí Všeobecných pojistných podmínek 2/2018 a zvláštních pojistných podmínek. Pro případ smrti, invalidity 3. stupně, pracovní neschopnosti i pro ztráty příjmu je najdete ve Všeobecných pojistných podmínkách ve článku 14. Dále jsou popsány v jednotlivých zvláštních pojistných podmínkách pro případ invalidity 3. stupně v článku 6, pro případ pracovní neschopnosti v článku 5 a pro případ ztráty příjmu v článku 7.

How is it arranged?

You can easily apply for insurance at any branch:

You only need a mailing address in the Czech Republic
Doesn’t depend on your nationality
Insurance can be arranged with our mortgages and consumer loans

We would like to remind you that we always only insure one person to one consumer loan or mortgage contract.

We will protect you if you lose your job

Do you have a loan or a mortgage and wonder what would happen if you lost your job? We will help you handle this difficult situation much easier.

In case of loss of work or long-term illness, we pay you for up to 1 year

In case of death or invalidity, we pay the rest of the loan

Choose the variant that suits you best

You can choose from 3 insurance variants:

Mortgage repayment insurance

Variant For Security (includes disability and death)
Variant For Health (includes incapacity for work, disability and death)
Variant For Work (includes loss of income, disability and death)

Loan repayment insurance

Variant For Health (includes incapacity for work, disability and death)
Variant For Work (includes loss of income, disability and death)
Variant For Everything (includes incapacity for work, loss of income, disability and death)

And you can easily switch between the variants:

From higher to lower at any time
From lower to higher in the first 6 months from the contract arrangement

The insurance provider is ČSOB Pojišťovna, a.s.

Pricelist

Actual rate	Premium
For Health insurance accompanying a consumer loan (insurance in the event of death, disability and incapacity for work)	6.6% of the monthly loan repayment and loan management fee
For Work insurance accompanying a consumer loan (insurance in the event of death, disability and loss of income)	6.6% of the monthly loan repayment and loan management fee
For Everything insurance accompanying a consumer loan (insurance in the event of death, disability, incapacity for work and loss of income)	8.8% of the monthly loan repayment and loan management fee
The price of insurance for mortgages is determined individually	Price depends on repayment

The fees listed in this section are taken from the applicable full version, which is available in our Pricelist, including the maturity date.

Documents for download

Documents are available in Czech only on this link