Zonky Life Jacket (Zonky záchranná vesta)

  • While arranging the insurance, no medical questionnaire is needed
  • In the event of disability of the 2nd or 3rd degree or death, we will repay the loan for you.
  • The insurance premium is paid together with your loan installment.
  • The instalment postponement may be provided in the waiting period

 

Claim Notification

 

Call us

1

You can report the damage using the online form.

Send the form to the address

2

Please report incapacity for work, job loss, or care for a family member only after the waiting period has passed, i.e., after 29 days.

Insurance benefit payout

3

The insurance benefit will be paid by the insurance company to the client’s account specified in the claim notification. Only in the event of the insured person’s death will the benefit be paid to the Zonky account. The insurance benefit will be used to repay the loan.

Zonky’s Life Jacket (Zonky záchranná vesta), up to 70 years of age

The insurance company covers Insurance compensation Instalment postponement Number of postponed instalments
Incapacity for work up to 12 monthly payments ok up to 12
Loss of employment  up to 12 monthly payments ok up to 12

Hospitalisation (alternative to loss of employment)

 up to 12 monthly payments fail fail
First-degree disability up to 12 monthly payments ok up to 12

Grade II or III disability or issuance of a ZTP/P card

 up to 12 monthly payments ok up to 3
Taking care of family member up to 12 monthly payments ok up to 12
Death Debt Balance fail fail
Pojištění schopnosti splácet k úvěrům Zonky

Zonky Life Jacket (Zonky záchranná vesta)

Premium cash loan repayment insurance

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What you should know

  • Nejvýhodnější nabídka

    The best deal – 8.9% of the monthly instalment

  • Okamžitá pomoc

    Immediate help when in trouble

  • Odložení splátek

    You may request a postponement of the instalments

  • Odložení splátek

    The risks alternate automatically according to the changes in your life situation.

  • Nárok na pojistné plnění

    The entitlement to insurance compensation due to incapacity for work or loss of employment arises only after 29 days of its duration.

  • diagnostika

    The insurance is valid worldwide.

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

What interests you most

How to proceed if an insured event occurs?

The insured event must be reported using the appropriate form, which can be found on the company's website.

How is the insurance compensation paid out?

The insurance compensation is paid out to an account which the client stated in the Insured Event Report. In the event of death, the compensation is paid to the account of the Zonky company, which will then use it to repay the loan.

What should I do if my inability to work, the need to care for a family member, or the loss of income lasts longer than 29 days?

In this case, it is necessary to complete the relevant form and send it together with the required attachments to the following address: Maxima pojišťovna, a.s., Italská 1583/24, 120 00 Praha 2 – Vinohrady. Use the same address to send the relevant forms with all their attachments in the event of death or the confirmation of disability. The necessary forms and further information can be found here.

Can I also claim insurance for illnesses or injuries diagnosed before the commencement of the insurance?

The insurance covers only illnesses and injuries that occurred after the policy’s effective date, or those that occurred before the policy’s effective date but manifested themselves more than 12 months after the policy’s effective date. In other cases, you may request a deferral of payments. For more information, please refer to the Master Insurance Policy.

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