MaxEfekt Term Life Insurance

  • Insurance without savings component and other fees
  • Insurance coverage up to 75 years of age
  • Healthy lifestyle discount possibility
  • No proof of income necessary for daily compensation

What can I get insured?

 

Hospitalizace

1

Hospital admission due to
illness, injury, pregnancy or birth.

Invalidita

2

First, second and third-degree disability.
An insured amount of up to 4 million Czech crowns.

Velmi vážné nemoci

3

Serious illnesses, child injuries.
Financial help in time of child injury.

 

How much does the term life insurance cost – examples

  Option A Option B Additional child insurance
Insurance for death due to any reason with fixed insured amount CZK 25 000 CZK 25 000 fail
Insurance for death due to any reason with decreasing insured amount CZK 1 000 000 CZK 1 000 000 fail

Permanent disability insurance with an increase (starting from 10 %)

CZK 1 000 000

fail fail
Permanent disability insurance with an increase (starting from 0.5 %) fail CZK 1 000 000 CZK 500 000
Comprehensive disability insurance of the first, second and third-degree fail CZK 1 000 000 fail
Third-degree disability insurance  CZK 1 000 000 fail fail

Serious illness insurance Plus

fail CZK 300 000 CZK 300 000
Daily injury compensation with an increase from the 15th day retrospectively (from the 8th day in the case of child insurance) CZK 200 CZK 200

CZK 200

Hospital admission insurance CZK 200 CZK 200 CZK 200
Work disability insurance from the 29th day CZK 200 CZK 200 fail
Total price CZK 428/month CZK 718/month CZK
148/month
MaxEfekt

MaxEfekt Term Life Insurance

Insurance can be arranged at a branch office or with the insurance company’s partners

Calculate at the company’s branch

 

 

 

Which illnesses can I cover as a part of the additional serious illness insurance?

 

  • Rakovina včetně leukémie

    Cancer including leukaemia, malignant
    lymphoma and melanoma

  • Nezhoubný nádor mozuku

    Benign brain tumour
    which requires surgery

  • Transplantace životně důležitých orgánů

    Transplantation of
    vital organs

  • Pokročilá demence

    Severe dementia with
    permanent brain damage

  • Roztroušená skleroza

    Multiple sclerosis with impaired
    locomotor and sensory functions

  • Hluchota, slepota

    Hluchotu a slepotu jako důsledek úrazu nebo onemocnění

What interests you most

The insurance is arranged with a progressive increase in insurance compensation. How does it work?

The amount of such insurance compensation depends on the severity of the permanent disability. If the disability corresponds to a 20 % decrease in the capacity for work, the insured is entitled to 100 % of the insurance compensation. If the disability corresponds to a 20 – 40 % decrease, the insured is entitled to 200 % of the insurance compensation. If it corresponds to 40 – 60 %, the insurance compensation is 300 %, and a 60 – 80 % decrease can mean up to 400 % compensation. If the permanent disability corresponds to more than 80 %, the insured is entitled to 500 % of the insurance compensation.

Do I need to submit a proof of my medical condition when arranging for the insurance?

The insurance company will acquire the information on your medical condition by itself in the form of extracts or copies of medical records if required for the insurance. The insured is obligated to provide true information on his/her medical condition in the health questionnaire.

Do I need to undergo any medical examinations before the insurance policy is concluded?

Most types of life insurance require the assessment of the client’s medical condition. The examination of the client’s medical condition is not required in the case when he/she has arranged for specific types of additional insurance with certain limits and completes a short health questionnaire. Usually, with higher coverage limits, it is necessary to submit medical records extract or undergo a medical examination.

Where and how should I report an insured event?

First, you need to complete the appropriate form which can be found in the Conditions and Forms section. Send the completed form including the required documents to an e-mail LPU@maxima-as.cz or the address: Maxima pojišťovna a.s., Italská 1583/24, 120 00 Prague 2 – Vinohrady.

Is a woman on maternity leave entitled to insurance compensation in the event of incapacity for work?

In such a case, a woman isnot entitled to insurance compensation. This is due to insurance exclusions. However, a woman on maternity leave is entitled to insurance compensation in the case of hospital admission.

When can I claim insurance compensation in the case of incapacity for work?

The client can claim insurance compensation after the waiting period of three months from the commencement of the insurance, and after the waiting period of 8 months in the case of dental treatment, orthodontics, dental surgery and dental and orthopaedic replacements. The payment of insurance compensation has the condition that the incapacity for work has occurred and was taking place in the Czech Republic or the EU member states including Switzerland, Iceland, Norway and Liechtenstein (in such a case, the insurance coverage is provided only for the period of medically required hospital admission in such countries).

When can the insured claim insurance compensation in the case of serious illness insurance?

The insured can claim insurance compensation after the period of 3 month from the commencement of the insurance in the case that he/she is diagnosed with one of the illnesses covered by serious illness insurance or in the case that the insured had to undergo one of the medical procedures specified in the definitions of serious illnesses. This insurance does not cover the illnesses the insured had suffered from or was treated for prior to the commencement of the insurance.

When can I claim insurance compensation in the case of hospital admission and what can I claim under this additional insurance? What do I have to provide if I wish to report an insured event?

The insured is entitled to claim insurance compensation only after the waiting period of 3 months from the commencement of such insurance. The insurance compensation is paid in the event of necessary treatment and care in a hospital due to illness, injury, pregnancy, birth or miscarriage. When reporting an insured event, it is necessary to provide written confirmation of the period and cause of hospital admission and send these documents to an e-mail lpu@maxima-as.cz or the insurance company address: Maxima pojišťovna a.s., Italská 1583/24, 120 00 Prague 2 Vinohrady. The report of insured event is available in the Conditions and Forms section.

I suffer from the incapacity for work. How and under what conditions am I entitled to insurance compensation and how should I report this?

The insured is entitled to insurance compensation after the waiting period of three months. The exception is an incapacity for work due to injury – in such a case, the waiting period does not apply. You are entitled to insurance compensation if the incapacity for work has occurred in the Czech Republic, EU member states, Switzerland, Iceland, Norway or Liechtenstein. The incapacity for work as an insured event can be reported if the period of incapacity exceeds the period of incapacity for work specified in the employment contract and it is associated with the decrease or loss of income of the insured. The insured is obligated to provide a confirmation of the incapacity for work along with the insured event report (which you can find in the Conditions and Forms section), prove that he/she is employed as specified in the insurance policy, and he/she must substantiate the amount of income for the last tax period preceding the insured event to the insurer upon request. Send these documents to an e-mail lpu@maxima-as.cz or by post to the insurance company’s address: Maxima pojišťovna a.s., Italská 1583/24, 120 00 Prague 2 Vinohrady.