What is life insurance?

Life insurance protects you and your family from financial hardship caused by serious illness, permanent accident consequences, disability or death. Its main purpose is to keep the household financially secure when illness or injury has a long-term impact. It can also cover short-term income loss caused by sickness or an accident.

Life insurance focused only on health and protection risks, without an investment or savings component, is known as risk life insurance. This is the type of cover you can compare and arrange with us. You can choose from offers from multiple insurers and immediately see how much the cover would cost.

How to find the right life insurance

You do not need to visit insurer branches to find quality life insurance at a fair price. Use a fast online comparison instead. Based on your answers, we recommend relevant risks and suitable insured amounts, then adjust the offers to your needs.

Need to protect your family if something happens to you? Want cover for long-term sick leave? Our life insurance specialists can help you set it up properly.

How life insurance comparison works

Online offers for life and personal insurance from several insurers are not easy to find in one place. We compare them for you and show offers prepared for your situation.

To prepare tailored offers, we need a few answers about you and your life situation. These details affect both the recommended cover and its price.

Based on your answers, we prepare tailored offers within a minute. You will see several life insurance options from different insurers, clearly compared and sorted by price.

Review the offers and their detailed parameters. If the setup does not suit you, you can adjust it or add further risks.

We cover what matters most

Life insurance is our speciality. We understand it and can help you set it up properly, whatever your expectations are. See what life insurance can cover.

Disability

Disability protection is an essential part of life insurance. The insured amount should be set so that, if disability is recognised, you can maintain your standard of living until retirement age.

Do not rely on accident-only cover. In most cases, disability is caused by illness rather than an accident, so protection for all causes is crucial.

Serious illnesses

If an illness requires longer treatment or a hospital stay, this cover can help pay higher treatment-related costs and compensate for lost income.

Covered serious illnesses may include many types of cancer, stroke, heart attack and other conditions where quick access to money can make a real difference.

Death

Death cover protects the family if the insured person dies. The insured amount should be high enough to keep the family financially secure.

The family should not be left with unpaid liabilities such as a mortgage or other loan. The right amount depends on household costs, debts and life situation.

Permanent accident consequences

Serious accidents, and sometimes injuries that look minor at first, can leave lifelong consequences. This cover helps with severe damage to senses or limbs as well as smaller but limiting mobility issues.

The payout depends on the percentage of permanent impairment. The more serious the impairment, the higher the benefit.

Sick leave

If an illness or accident keeps you off work for weeks or months, your regular income may drop sharply.

Sick-leave cover helps bridge that gap. It is useful for employees whose statutory sick pay covers only part of their salary, and for self-employed people who often have little or no statutory protection.

What does well-set life insurance look like?

Klára works in a bank. She earns CZK 30,000 net per month and saves regularly. She has a mortgage with roughly CZK 3,000,000 left to repay, and her monthly expenses are CZK 25,000.

Klára is single and has no dependants. How should her life insurance be set up correctly?

Petr lives with his wife Jana in a flat bought with a CZK 5,000,000 mortgage. They still owe CZK 4,500,000. Petr's monthly expenses are CZK 40,000 and his net monthly income is CZK 50,000.

Petr wants insurance that would keep his family of four financially secure if something happened to him.

Honzík is an active child who loves sport. His mother Tereza decided to protect him against health problems with life insurance that includes both accident and illness risks.

Life insurance for Honzík combines accident and illness cover adapted to his age and active lifestyle.

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