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Brouček – Description

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Brouček is children´s life insurance that will allow you to choose from two insurance options according to your needs and plans.

Savings option is an option with the zero sum insured against the death of the insured adult. In this option, premiums are invested into funds according to the client´s request and, at the end of the insurance, the child will receive the capital value of the contract, including the appreciation and shares in profit.

This option may be used by, for example, grandparents who wish to save some money for their grandchild.

Protective option provides you, apart from saving for the child, with insurance protection against the death or permanent disability of the insured adult. It will guarantee that your child will obtain the intended amount under any circumstances.

Insurance against the death of the insured adult
If an insured event arises, the child will receive 10% of the sum insured immediately. Since that moment, the insurance company assumes the obligation to pay premiums for the main products and the rider of the child. After the child reaches 19 years, s/he will receive 100% of the stipulated sum insured and, at the end of the insurance period, the capital value of the contract as of the date of the insurance termination.

Insurance against total disability
If the insured adult becomes totally disabled, the insurance company assumes the obligation to pay the premiums for the main product and the arranged rider of the child. At the end of the insurance period the capital value of the contract as of the date of the insurance termination is paid out to the child.

Quality assistance services form a part of the protective option

  • care for health of children and adults line
  • legal assistance line
  • mediation of household assistance
  • assistance services in case of hospitalisation – cost of child minding with the limit up to CZK 5,000/year

Brouček is designed for all children at the age of 0 to 14 years; the insurance lasts until the child reaches the age of 19. After this period expires, the saving may be extended up to the age of 26 years.

The premiums may be paid periodically (in the minimum amount of CZK 300 per month) or in a lump sum at the beginning of the insurance.


How to arrange the insurance

You can obtain our products at any branch of Komerční banka. For more information call the Client Service of Komerční pojišťovna using the free Info Line 800 10 66 10.

Insurance terms and conditions

Information for Persons Interested in Insurance and Insurance terms and conditions are available only in czech language