Home Credit loan and card repayment insurance

  • Don’t worry about instalments when you get sick or lose your job.
  • The insurance payment is included in the monthly loan instalment.
  • In the event of disability or death, we will repay the loan for you.
  • If you are incapable of work, have lost your job or are hospitalised, we will pay out up to 12 loan instalments.​​​​​​​

How does the insurance work?


Pojistnou událost oznamujte bez zbytecneho odkladu


Make the claim without undue delay. 

Odklad splatky


Instalment postponement means rescheduling the maturity of the regular loan instalment by one calendar month. The postponement is possible for the MAX+ package only.



Fill out the Insured Event Report and send it together with other required attachments to the address:
Maxima pojišťovna, a.s.
Italská 1583/24
120 00 Praha 2 - Vinohrady

MAX+ and MAX Insurance Package

(up to 70 years of age)

Incapacity for work

30-day waiting period, insurance settlement up to 12 instalments/each insured event

ok ok
Loss of employment or hospitalisation

30-day waiting period, loss of employment/3 days of hospitalisation, insurance settlement up to 12 instalments/each insured event

ok ok
Third-degree disability

settlement of balance 

ok ok

settlement of debt balance

injury only
Loan instalment postponement

one instalment postponement for each year of policy duration (i.e., for the waiting period); under revolving loans, the postponement period is subject to interest

ok fail
Premium rate 8,90% 5,90%


Home Credit loan and card repayment insurance

Home Credit loan and card repayment insurance

Get insured and live to the MAX

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Why choose this particular insurance?


  • Pojišťovna kryje všechny pojištěná rizika

    If you have taken out the MAX+ insurance package, the insurance company covers all insured risks resulting from illness or injury.

  • Pomůžeme vám se splácením úvěru

    If something happens, we will help you repay the loan.

  • Odklad splátky

    With the MAX+ package, we can help you immediately by postponing the instalment.

  • Pojištění na ztrátu zaměstnání nebo hospitalizace

    You are automatically insured for losing a job or hospitalisation.​​​​​​​

  • Kdykoliv je možné pojištění zrušit

    You can cancel the insurance at any time and then simply renew it via your phone.

  • Pojištění platí po celém světě

    It is valid in the entire world.​​​​​​​

What interests you most

I already have a loan, but I want to arrange insurance. How do I do that?

Simply call our client helpline at +420 542 100 100. Our operators will handle everything for you.

Which types of insurance can I buy?

You can arrange Repayment Insurance for all products and Insurance of Personal Belongings and Card Misuse for credit cards.

When should I notify my insurance company about an insured event?

Don’t wait for anything. Contact the insurance company as soon as you can.

How long does it take to settle a claim?

The insurance company tries to settle claims as quickly as possible. The statutory time limit for settling an insured event is no more than 3 months since it was reported.

Who will be paid the money in case of an insured event?

The insurance company will pay the insurance benefit to the account number specified by you when you reported the insured event. In the event of death, the insurance benefit will be sent to Home Credit and used to pay the remaining debt.

I’m reporting an insured event that happened abroad. What do I do if the documentation is in a foreign language?

In this case, you need to have the document translated into Czech by a person authorised to translate official documents.

Can I stop paying loan instalments when I report an insured event?

No. You are obliged to continue to pay your loan instalments after reporting the insured event and for the entire duration of the insured event. That’s because the insurance company sends the insurance benefit to you and you can then use it to pay your instalments.

When can I set up this insurance?

The insurance can be set up when concluding the loan agreement or additionally by telephone or written agreement. In both cases, you must comply with the conditions for the arrangement of the insurance, choose the insurance package and confirm all mandatory statements.

What should I do if I need to change my insurance policy?

Call the number +420 542 100 100.

What should I do in the case of an insured event?

You will need to fill in the Insured Event Report which you can find in the Downloads section at the bottom of the page. Describe the insured event and its scope truthfully and submit the form together with the required attachments to Maxima pojišťovna, a.s., Italská 1583/24, 120 00 Praha – Vinohrady.

How can I postpone instalments?

Immediately report the insured event (e.g. incapacity for work, loss of employment) to the insurance company by calling +420 542 527 528 and ask for postponement. If the insurance company asks for evidence of the insured event, provide the relevant documents (e.g. a copy of the certificate of incapacity for work, a copy of your registration at the Labour Office). After the postponement, Home Credit will contact you with more information.