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.
150 00 Praha 5
POMOC + insurance package (up to 70 years of age)
|The insurance company covers||Insurance compensation||Instalment postponement||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|
POMOC insurance package (up to 75 years of age)
|The insurance company covers||Insurance
|Number of postponed
|Hospitalisation due to injury||Monthly Instalment|
|Third-degree disability due to injury||Debt Balance||up to 3|
|Death due to injury||Debt Balance|
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.