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Advantages of mortgages from KB:
- Double payout for children's injuries during holidays
- Transfer of waiting periods for Disability and Critical Illnesses from competitors
- Discounts for employment, blood donation, prevention, and non-smoking
- Credit assistance package with up to 50% discount
- In addition to daily injury allowance, it also offers compensation for bodily injury due to an accident
- High limits without income verification or medical examinations
Disadvantages of mortgages from KB:
- More expensive premiums for older people
Advantages of mortgages from KB:
- Guarantee of the highest payout for insurance against the consequences of accidents and long-term daily allowance among the 5 largest insurance companies in the Czech Republic special insurance for serious illnesses for women
- 21% loyalty discount
- Bonus supplementary insurance for women
- The ability to insure up to six people on one policy
Disadvantages of mortgages from KB:
- Higher surcharge for smokers
Advantages of mortgages from KB:
- Solutions even for clients with health problems, including professional athletes and risky activities
- Critical illness insurance, including coverage for exotic diagnoses
- Benefits are paid even in cases of alcohol consumption, negligent criminal offense, or gross violation of legal regulations
- For children, all types of epilepsy are covered without any conditions
Disadvantages of mortgages from KB:
- Long waiting time to join the insurance contract for serious illnesses (8 months)
Advantages of mortgages from KB:
- Do not differentiate risk groups
- The amount of the minimum insurance premium is not limited
- They count waiting periods for Disability and Critical Illnesses from competitors
- Separate risk of oncological diseases
Disadvantages of mortgages from KB:
- You can't add disability insurance for children
Advantages of mortgages from KB:
- High limits of insured amounts without health examination
- Insurance for leisure-time adrenaline activities worldwide
- Permanent consequences not only from injury but also from illness
- Supplementary insurance for childcare and adult care with benefits for up to 1 year for both injury and illness
- No exclusion for pre-existing conditions/illnesses
- Disability coverage without waiting periods
- Increase of benefits up to 20%
- Benefits for injuries immediately without waiting for complete recovery/treatment to finish
Disadvantages of mortgages from KB:
- More expensive insurance premiums compared to competitors up to 1000,-
Advantages of mortgages from KB:
- Covers disability caused by mental or behavioral disorders at all levels
- Child disability starting from the 2nd level of dependency without risk groups
- Only specified professions and sports with a surcharge for incapacity for work
- Also covers risky pregnancies, back problems, and spa stays
Disadvantages of mortgages from KB:
- The insurance company does not reimburse sick leave while you are receiving parental allowance
Advantages of mortgages from KB:
- Benefits for injuries based on the percentage of body damage
- Retroactive payment in case of disability insurance
- Double the agreed insured amount for death by accident in a traffic accident
- Children without risk groups
Disadvantages of mortgages from KB:
- The insurance company has a complete exclusion in case of alcohol consumption
Advantages of mortgages from KB:
- Supplementary insurance for upper limbs with special valuation tables, including specific hand diseases
- After an illness, a contribution towards plastic surgery
- Insurance for loss of driving license due to health reasons
- Supplementary insurance for surgical procedures
Disadvantages of mortgages from KB:
- Disability benefits are paid in the form of an annual annuity
Advantages of mortgages from KB:
- Contribution towards the purchase of a special aid/device
- Insurance for type I and type II diabetes for children and adults
- Surgery for a child with a congenital defect/birth defect
- Insurance for the costs of assisted reproduction
- All newborns are automatically insured for a single rate/premium
Disadvantages of mortgages from KB:
- You cannot insure more than two adults in one insurance policy
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Who will benefit from life insurance the most
Life insurance is useful if you have significant financial commitments (mortgage, loan) or if the rest of your family depends on your income. It is also beneficial for individuals who do not yet have enough savings and cannot afford any interruption in regular income from employment – especially in today’s challenging times full of inflation and unexpected events (COVID-19 pandemic). The following model examples will show you how life insurance can work in practice.
We are a family repaying a mortgage
David lives with his wife and daughter in Olomouc. They live in an apartment for which they took a mortgage three years ago, and they still have 2 million CZK left to repay. His wife is still on maternity leave, so David has to cover most of the family’s income. What would happen if David had an accident and could no longer provide for the family?
Our recommendation
For a family with financial obligations, life insurance should be a given. Not only are they required to repay a high mortgage every month, but the entire family depends on one person’s salary. For this reason, we recommend getting life insurance to cover all possible life risks, including disability or death. If the worst were to happen, the family would be secured even without regular income from employment.
| Coverage | Insurance Amount |
|---|---|
| Death | 50,000 CZK |
| Loan coverage (death + disability II. and I. degree) | 2,000,000 CZK |
| Incapacity for work | 500 CZK/day |
| Total cost | 863 CZK/month |
If David passed away, his life insurance would cover the family’s mortgage obligations and funeral expenses.
| Coverage | Insurance Amount |
|---|---|
| Death | 50,000 CZK |
| Disability II. and III. degree – accident and illness | 1,000,000 CZK |
| Permanent injury consequences | 500,000 CZK |
| Minor injuries | 50,000 CZK |
| Serious illnesses | 400,000 CZK |
| Incapacity for work | 300 CZK/day |
| Hospitalization – accident and illness | 300 CZK/day |
| Total cost | 502 CZK/month |
Besides paying rent, I have no obligations
Dominika is 25 years old, recently finished university, and found her first full-time job. She pays 15,000 CZK per month for renting an apartment in Prague and has no other obligations.
In her free time, she enjoys hiking and playing competitive tennis. Since she earns 25,000 CZK per month after taxes and doesn’t have enough savings yet, she relies on her monthly income. What would happen if Dominika injured herself while playing sports and couldn’t work?
Our recommendation
Although young people may not have large obligations, even a month of incapacity for work can seriously complicate their lives, especially with today’s high rent payments. In such a situation, we recommend getting life insurance to provide financial security in case of injury or long-term illness.
If Dominika contracted a severe case of pneumonia, she would face long-term incapacity for work. Her life insurance would cover the income loss from sickness benefits, which amount to 60% of the daily assessment base.
| Coverage | Insurance Amount |
|---|---|
| Death | 50,000 CZK |
| Disability II. and III. degree – accident and illness | 1,000,000 CZK |
| Permanent injury consequences | 500,000 CZK |
| Minor injuries | 50,000 CZK |
| Serious illnesses | 400,000 CZK |
| Incapacity for work | 300 CZK/day |
| Hospitalization – accident and illness | 300 CZK/day |
| Total cost | 502 CZK/month |
If Marie were to contract tick-borne encephalitis and be assigned a II. degree disability, her life insurance would cover the additional medical treatment costs, possible home adjustments, and purchase of medical supplies. Additionally, the incapacity for work insurance would partially cover her income loss from freelancing.
On Hypoflat.cz, we offer easy and quick life insurance comparison online. With our comparison tool, you’ll find the best life insurance offers in Czechia for expats that will help protect your health and future. Compare offers from leading insurance companies, find the terms and prices that suit you, and choose the best option for you and your family. Our online tools allow you to easily and quickly understand the differences between various types of life insurance in Czech Republic, what additional coverage suits you best, and what options you have for health insurance or accident insurance. Compare individual products and learn how you can save on monthly payments. You’ll get not only affordable life insurance, but also personalized advice and recommendations based on your needs. Save time and money while finding the ideal insurance for your family and discover what options insurance companies in the Czech Republic offer.
