Home Credit loan repayment insurance

How should I proceed in the case of an insured event?

Report the incapacity for work or loss of employment by calling the Assistance Hotline at +420 542 527 528 and submit a confirmation proving the incapacity for work or loss of employment.

Based on this confirmation, the loan instalment may be postponed. The entitlement to postpone an instatement is assessed and implemented by Home Credit.

If the incapacity for work or loss of employment lasts longer than 60 days, complete the Insured Event Report and send it together with the required attachments to:
BNP Paribas Cardif pojišťovna, a.s.
Plzeňská 3217/16
150 00 Praha 5

POMOC + insurance package (up to 70 years of age)

The insurance company covers	Insurance compensation	Number of postponed instalments
Incapacity for work	Monthly Instalment	up to 12
Loss of employment or hospitalisation due to injury	Monthly Instalment	up to 12
IThird-degree disability	Debt Balance	up to 3
Death	Debt Balance

POMOC insurance package (up to 75 years of age)

The insurance company covers	Insurance compensation	Number of postponed instalments
Hospitalisation due to injury	Monthly Instalment
Third-degree disability due to injury	Debt Balance	up to 3
Death due to injury	Debt Balance

Immediate assistance in case of adverse circumstances

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What you should know

If you lose your job within 90 days of the commencement of the insurance, you are not entitled to insurance compensation. You may request a postponement of the instalments.
The risks alternate automatically according to the changes in your life situation.
The entitlement to insurance compensation due to incapacity for work or loss of employment arises only after 60 days of its duration.

The insurance company will cover the instalment due in the same month of the 60th day of incapacity for work or loss of employment.
The insurance only covers illnesses, or their symptoms, and injuries which will manifest or will be diagnosed only after the commencement of the insurance.
If the incapacity for work is due to an illness which was treated already before the commencement of the insurance, you can apply for a postponement of instalments.

You can find more detailed information on the product in the terms and conditions.

What interests you most

For how long can the instalment be postponed?

The instalment may be postponed for the entire duration of the investigation of the insured event (i.e. incapacity for work, loss of employment, disability), for the entire duration of the qualifying period (i.e. incapacity for work or loss of employment), for the duration of the waiting time (for employment) or in case of default of insurance compensation.

How to proceed if I lose my job during the waiting period?

In this case, it is absolutely necessary to contact the insurance company at +420 542 527 528 and submit a confirmation of registration at the Labour Office based on which the instalment may be postponed.

How to proceed if incapacity for work occurs during the waiting period?

Report this event immediately at +420 524 527 528 and submit a copy of the confirmation of the occurrence or duration of incapacity for work. Only then can the instalment be postponed.

Where should I report incapacity for work or loss of employment which occurred after the expiry of the waiting period and lasts longer than 60 days?

If an insured event arises, it is necessary to fill out the Insured Event Report which can be found in section Conditions and Forms. Each insured event has its own report form. Send the completed report together with the required documentation to the following address: BNP Paribas Cardif pojišťovna, a. s., Plzeňská 3217/16, 150 00 Prague 5.

How should I proceed in the case of an insured event?

POMOC + insurance package (up to 70 years of age)

POMOC insurance package (up to 75 years of age)