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Insurance Programme Gold personal cards

Insurance programme for holders of Gold personal cards issued by Komerční banka.

This above-standard insurance is a useful part of your payment card. It enables you to travel without any worries, helps you enjoy your holiday or carry out your business trip successfully.

Who is insured?

  • each payment card holder
  • holder´s partner
  • dependant children/grandchildren of the holder and their partner aged under 21 if travelling together with the holder

What risks are insured?

  • cost of the necessary medical treatment up to CZK 5,000,000
  • medical transport and repatriation back to the home country
  • accompaniment of children returning home
  • permanent consequences or death due to an accident
  • damage liability
  • legal assistance in case of traffic accident
  • delay, loss or theft of luggage
  • missed departure
  • loss of identification documents
  • trip cancellation
  • trip cancellation abroad
  • Insurance indemnity limits.

    When and where are you insured?

    The insurance applies to an unlimited number of private and business trips beginning and ending in the Czech Republic. The insurance is only effective abroad during the first 90 consecutive days of the trip.

    The insurance naturally includes high-quality worldwide services of the company AXA ASSISTANCE CZ s. r. o. These services are provided 24 hours a day, 365 days a year and the operators can speak Czech and other languages as well.

    Limity pojistného plnění

    Insurance limit (CZK)

    Holder Husband, partner Child, Grandchild
    Health emergency insurance      
    Medical expenses in case of a health emergency 5 000 000 (limmit 50 000 dental treatment) 5 000 000 (limmit 50 000 dental treatment) 5 000 000 (limmit 50 000 dental treatment)
    Medical transport and repatriation included within medical expenses limit
    Hospital visit by a close person
    Transport of the deceased
    Premature necessary return to home country
    Substitute employee
    Stay prolongation– max. 5 nights, 2 500CZK/night
    Accompaniment of children returning home
    Accident insurance- till 31. 12. 2021 valid as well for Czech Republic
    Sum insured of the basic accident insurance for permanent consequences of an accident 200 000 200 000 200 000
    Sum insured of the basic accident insurance for death due to an accident 200 000 200 000 200 000
    Legal assistance insurance in case of traffic accident
    Legal assistance 200 000 200 000 200 000
    Bail delivery cost 200 000 200 000 200 000
    Damage liability insurance– till 31. 12. 2021 valid as well for Czech Republic 1 500 000 1 500 000 1 500 000
    Trip cancellation
    (insured´s financial participation) – till 31. 12. 2021 valid as well for Czech Republic
    40 000 (20%) 40 000 (20%) 40 000 (20%)
    Trip cancellation abroad - (insured´s financial participation) 15 000 (20%) 15 000 (20%) 15 000 (20%)
    Luggage insurance 30 000 30 000 30 000
    Luggage dealy 5 000 5 000 5 000
    Missed departure 15 000 15 000 15 000
    Personal documents insurance- till 31. 12. 2021 valid as well for Czech Republic 5 000 5 000 5 000
    Accident insurance – injury (till 31. 12. 2021 valid as well for Czech Republic) 40 000 40 000 40 000
    Luggage insurance (till 31. 12. 2021 valid as well for Czech Republic)
    (insured´s financial participation)
    15 000
    (500)
    15 000
    (500)
    5 000
    (500)
    Unused holiday insurance (till 31. 12. 2021 valid as well for Czech Republic) 500/day, max. 5000 500/day, max. 5000 500/day, max. 5000

    How to arrange the insurance?

    You can obtain our products at any branch of Komerční banka. Special insurance products designed for other companies of our financial group (Modrá pyramida, Essox, Penzijní fond KB) can be arranged with the representatives of these companies. For more information call the Call centrum of Komerční pojišťovna using the free Info Line 800 10 66 10 or on-line. - (new-window)

    What to do if an insured event occurs?

    Should an insured event arise, please contact the assistance company AXA Assistance at the telephone number (+420) 272 10 10 30.
    More information.

    • contact the assistance company without undue delay
    • keep the originals of medical reports, diagnoses, lists of treatment procedures and bills, or originals of these documents´ duplicates
    • notify the assistance company of the insured event in writing immediately after you return from the trip

    The assistance company guarantees that the physician and health-care facilities will be reimbursed for the cost related to the necessary medical treatment or to the transport of the insured back to his/her home country, including the professional medical accompaniment.

    How to contact the assistance company?

    AXA ASSISTANCE CZ s. r. o.
    Hvězdova 1689/2a
    140 62 Prague 4
    Czech Republic

    Tel.: +420 272 10 10 30

    In a short telephone conversation you provide the assistance company with this basic information:

    • payment card number
    • name, surname and birth certificate number of the insured who is in need
    • brief description and circumstances of the insured event
    • address and telephone number of the place from which you are calling

    The operator will call you back in order to get more detailed information and to provide you with instructions.

    Insurance terms and conditions

    FIS rules


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