Make yourself and your family comfortable. Nothing will surprise you by choosing the right insurance.

FLEXI Life Insurance

FLEXI offers insurance of a wide range of risks that you can freely combine and change during the insurance period. It will provide security for those family members who are financially dependent on you. Insurance also serves as compensation for a drop or loss of long-term income. FLEXI knows how to match the amount of your loan or mortgage so the insurance is cheaper.

FLEXI Risk Life 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.

FLEXI Junior Life Insurance

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.

Erste Premier Travel Insurance

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 10 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. Travel service cancellation insurance of up to CZK 150 000 for the family will help towards planning your travels in comfort.

Insurance of Personal Belongings and Cards

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 account cards issued in your name are automatically insured against loss and unauthorised use with the PIN verification for up to CZK 100 000 which the bank does not pay. The price list for individual levels of insurance can be found here.

Insurance of the ability to repay a Premier Mortgage Loan

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.

Insurance of the ability to repay a Premier 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.

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You will get the Erste Premier free of charge complying with at least one of the following criteria:

monthly income (your wage or income from your business paid to your Premier Personal Account) of at least CZK 70,000 has to be observed concurrently with savings, investments and loans with the Česka spořitelna Financial Group in the amount of CZK 250,000 or;

have savings and investments with the Česka spořitelna Financial Group exceed CZK 2,500,000 or;

have savings, investments and loans with the Česka spořitelna Financial Group of at least CZK 4,000,000.*

*The Bank reserves the right to decide upon the provision of the Erste Premier Service. The Erste Premier is only available as personal banking service not for the businesses. Meeting the above criteria does not automatically entitle a person to become a Client of Erste Premier. The Client and the Bank may terminate the Erste Premier Service without reason or by mutual agreement.   

Additional Information

Treatment of injuries

In case of an injury, you don't have to wait for the treatment to end. Just file your claim during the treatment and you will have the money when you need it. The insurance covers injuries where treatment is expected to exceed 22 days.

Permanent consequences of injury from 0.5 %

In case of an accident that leaves a lasting consequence, we calculate the benefit percentage from up to ten times the chosen amount. The money paid out will help you with the cost of adjusting your home, buying medical equipment or a car.


With a net income of CZK 20 000, disability pension (Level 3) is CZK 13 319. With our insurance, you can get more. You can insure for all three levels of disability and helplessness (start with II. degree of dependence). We will pay you twice as much for disability due to a traffic accident (maximum increase of CZK 1 million).

Serious illneses

Be protected against selected cardiovascular diseases or cancer. You can choose the option with a one-time payment of the sum insured, or choose a flexible payment, where the amount paid out matches to the seriousness of the disease and the demands of treatment.


We will pay you money even if you are hospitalised for just one night.

Inability to work

If you aren't able to work for more than 29 days because of an illness or injury, we will pay out the agreed amount for each day of incapacity for work to top up your income.


In case of death due to a traffic accident, we will pay out a double payment to the beneficiary (maximum increase of CZK 1 million).

Example calculations

Monthly insurance premium: CZK 477; Age: 22; Term of insurance: 10 years

Monthly insurance premium: CZK 911; Age: 35; Term of insurance: 10 years

Monthly insurance premium: CZK 739; Age: 50; Term of insurance: 10 years

In addition to the usual insurance coverage it also covers the cancellation of a trip up to 150 000 CZK for the whole family, the purchase of necessary things in case of baggage delay, flight up to 15 000 CZK. It also includes insurance of damage liability up to 6 million CZK, caused to someone else´s health or property while travelling.

The Czech assistance service is available day and night at +420 266 799 898. It will help you to solve any inconvenience that you may come across while traveling.

It also covers the insurance of your personal belongings in case of theft of electronic devices, handbags, backpacks, documents, keys or glasses, with the limit on personal belongings up to CZK 45 000.

You can find the information in the Price list.