Insurance

Flexi risk life insurance has your back in the case of death, illness, disability, accident and other risks. This is a very flexible product which you can customize according to your needs every year for free. Payment of benefits usually takes 2 to 3 days in the event of an accident, a week in the event of illness, never more than 3 months. You and your family will not be left without funds for a long time. The insurance is valid worldwide, including adrenaline sports. You can report event online from the comfort of your home, but we will be happy to help you with the report at any Česká spořitelna branch.

This insurance applies to many mishaps and misfortunes: from child injuries and their treatment to serious illnesses and permanent injuries. It will provide security for your child also if something happens to their guardian. It includes an investment component that you can set up according to your requirements. It appreciates over time and can be partially accessed by your child when they turn 19.

Travel as you like – you get travel insurance automatically when signing up to the Premier service for your family or partner, whether you travel together or separately. The insurance limits are above standard – up to CZK 50 million for medical expenses and up to CZK 6 million crowns for liability. The insurance covers tracking and alpine hiking up to 5,000 m above sea level, yachting to any distance from the coast and diving to a depth of 40 m. The insurance will automatically cover treatment and other expenses related to covid-19, including costs associated with unexpected quarantine. We will reimburse 80% of documented extra costs up to a maximum of CZK 30,000 per person. Travel service cancellation insurance for your family with a limit of CZK 30,000  per person will also contribute to the comfort of your travel planning.

Insurance covers the cost to replace lost documents, keys, wallet or glasses or stolen mobile, laptop and other personal belongings. It also covers the cost of changing your locks and document replacement fees. All electronic transactions from a private account and cards maintained at ČS will be insured in the event of their misuse, including phishing. You can arrange insurance for yourself or your family. If you are interested in an arrangement, contact your banker. More information for individual levels of insurance can be found here.

You can safeguard the repayment or refinancing of your mortgage loan in case of unexpected circumstances with insurance. The insurance will cover your payments should you lose your job or become incapable of working. In the event of death or third-degree disability, the insurance will repay the full outstanding amount of your mortgage loan.

If you have taken out a Premier Loan from us, you can secure your payments with insurance in case of unexpected events. The insurance will cover your loan payments in situations such as a loss of job, closing of your trade, incapacity for work or caring for a family member. In the event of death or disability of the 2nd or 3rd degree, the insurance will cover the full outstanding amount of your loan.