What MAXIMA Pojišťovna does

MAXIMA pojišťovna a.s. is a privately held Czech insurance company headquartered in Prague (Vinohrady) that has operated continuously since 1994. The company is owned by Mella Holdings B.V. as majority shareholder and employs between 11 and 50 staff, distributing products through an online self-service platform, a single Prague branch, and a network of up to 200 licensed partners across the Czech Republic.

The product portfolio is organized around five core brands: MaxMedical (health insurance for foreign nationals in Standard, Exclusive, and Premium variants, with coverage limits up to 600,000 EUR and a contracted network of 140 healthcare facilities); MaxDomov (property and household insurance in Ideal, Excelent, and VIP tiers, with up to 25% online discount and optional flood and liability coverage up to 50 million CZK); MaxEfekt and MaxJistota (risk term life insurance without a savings component, with coverage up to age 85 and progressive disability benefits); MaxByznys (business and industry insurance including cyber risk); and supplementary products including mobile device, personal belongings, and loan repayment insurance distributed through partnerships with O2, Air Bank, Zonky, and Home Credit. The underlying technology is an insurance platform supporting online policy negotiation, instant policy activation upon payment, claims management, and multilingual customer service across Czech, English, Russian, Ukrainian, Spanish, French, Vietnamese, and Chinese, with EuroCross Assistance providing 24/7 multilingual emergency support.

Revenue is generated entirely through recurring insurance premiums across the product lines described above, with publicly disclosed pricing (e.g., MaxMedical Standard from CZK 15,048/year; MaxMedical Premium from CZK 510/month; life insurance variants from 568 to 1,090 CZK/month). The go-to-market is hybrid: direct-to-consumer online, partner-channel distribution through major Czech brands, and a regulated licensed-agent network. The customer base is concentrated in two primary segments — foreign nationals residing in the Czech Republic (for whom MaxMedical insurance is a legal prerequisite for residence permits under Czech law 277/2002 Sb. and 326/1999) and Czech households and small businesses seeking property, liability, and life protection — with secondary exposure to financial-services customers through embedded white-label products.

Name

MAXIMA Pojišťovna

Legal name

Maxima pojišťovna a.s.

Website

https://maximapojistovna.cz

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

MAXIMA pojišťovna is a privately held Czech insurer offering health insurance for foreign nationals, property, life, and SME insurance through an online platform, a 200-partner agent network, and partnerships with O2, Air Bank, and Zonky.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life Insurance Carriers (524113), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

International/Expat Critical Illness & Hospital Indemnity (FSAIAKAJ)

akta.pro secondary industries

Group Term Life Insurance (FSAIAAAJ), Basic Group Term Life (Employer-Paid) (FSAIADAA), Personal Umbrella Insurance (FSAJANAA)

Keywords

• Insurance services
• Health insurance foreigners
• Property insurance
• Term life insurance
• Business liability insurance

Headquarters

HQ city

Vinohrady

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Health Insurance for Foreign Nationals: Health insurance products for foreign nationals (MaxMedical) including comprehensive health insurance (Standard/Exclusive variants) and necessary and urgent care insurance (Premium). Premiums are paid monthly or annually. Standard variant from CZK 15,048 per year; Premium from CZK 510 per month.
2. Property and Liability Insurance: MaxDomov property insurance covering households, real estate, and liability. Three package tiers (Ideal, Excelent, VIP) with variable coverage limits. Premiums depend on property value, coverage scope, and location.
3. Term Life Insurance: Risk term life insurance (MaxEfekt, MaxJistota) without savings component. Example pricing: Variant A at 568 CZK/month, Variant B at 1,090 CZK/month, child rider at 313 CZK/month. Coverage up to age 85.
4. Other Insurance Products: Personal belongings insurance, mobile device insurance, loan repayment insurance (Home Credit, Zonky), and payment card misuse insurance. Offered through partnerships with Home Credit and Zonky.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels4 records

Core offering

MAXIMA pojišťovna is a Czech insurance company offering a portfolio of life, property, liability, and health insurance products. Its flagship offering is MaxMedical health insurance for foreign nationals residing in the Czech Republic, meeting legal requirements for visa and residence permits. The company also provides property and household insurance (MaxDomov), risk term life insurance (MaxEfekt, MaxJistota), and business insurance (MaxByznys) through direct online sales, a network of licensed partners, and a Prague branch office.

Product overview

MAXIMA Pojišťovna is a Czech insurance company offering a portfolio of life and non-life insurance products organized around several core brands. The main product lines include MaxMedical (health insurance for foreign nationals in Standard, Exclusive, and Premium variants), MaxDomov (property and household insurance with Ideal, Excelent, and VIP tiers), MaxEfekt and MaxJistota (term life insurance), and MaxByznys (business insurance). Products are distributed through the company's own online platform, branch offices, and partner networks including O2, Air Bank, Zonky, and Home Credit. The company also offers supplementary insurance products for personal belongings, mobile devices, and specialized coverage through white-label partnerships.

Differentiator

Problem solved

Functional benefit

Brands

• MaxMedical: Health insurance product for foreign nationals living in the Czech Republic, available in Standard, Exclusive, and Premium variants with coverage up to 600,000 EUR.
• MaxDomov
• MaxEfekt
• MaxJistota
• MaxByznys

Products and services

• MaxMedical Comprehensive Health Insurance (Standard) Comprehensive health insurance for foreign nationals residing long-term in the Czech Republic, providing full medical care coverage up to 400,000 EUR per insured event. Includes preventive examinations, vaccinations, and optional pregnancy coverage. Targeted at foreign nationals needing legally compliant health insurance for visa and residence permits.
• MaxMedical Comprehensive Health Insurance (Exclusive) Premium comprehensive health insurance for foreign nationals with highest coverage limit of 600,000 EUR per insured event. Includes TeleMedic 24/7 medical consultations, MaxCare health support program (4,000 CZK limit), coverage for pre-existing conditions, and full medical care. Targeted at foreign nationals seeking maximum healthcare coverage.
• MaxMedical Necessary and Urgent Care Insurance (Premium) Necessary and urgent healthcare insurance for foreign nationals covering acute medical treatment. Suitable for short stays up to 90 days with 60,000 EUR total limit and 300,000 CZK repatriation coverage. Meets legal requirements for short-term visas. From CZK 510 per month.
• MaxEfekt Term Life Insurance Risk term life insurance without savings component or fees. Provides coverage up to age 85 with options for disability (three degrees), serious illness (cancer, stroke, heart attack), hospitalization, and accident benefits with progressive compensation multipliers (0.5% to 1000%). No medical examination required for basic coverage. Available in two variants plus a child rider.
• MaxDomov Property Insurance Property insurance protecting buildings (houses, apartments, garages, cottages) from natural disasters, fire, water damage, theft, and vandalism. Offered in three package tiers (Ideal, Excelent, VIP) with varying coverage limits. Optional add-ons include flood coverage and electronics. Up to 25% discount for online purchase.
• MaxDomov Household Insurance Household insurance covering movable property, valuables, money, domestic animals, and personal belongings. Includes optional liability coverage with limits up to 50 million CZK. Targets Czech residents seeking to protect their homes and household contents.
• MaxJistota Term Life Insurance Term life insurance product covering death, disability, and serious illness with adjustable coverage based on disability degree. Targeted at individuals and families seeking financial protection without savings components.
• MaxByznys Business Insurance Business and industry insurance covering property, liability, natural hazards, theft, glass, machinery, electronics, cyber risk, and business interruption. Offered in multiple specialized coverage modules for businesses and entrepreneurs.
• Loan Repayment Insurance (Zonky záchranná vesta) Loan repayment insurance product distributed through Zonky platform, covering inability to repay cash loans due to death, disability, hospitalization, or job loss. Protects borrowers and their families.
• Mobile Device Insurance Mobile device insurance covering smartphones and tablets for damage, theft, and mechanical failure. Applies to electronics no older than 3 years. Distributed through partnerships including O2 Czech Republic.
• Cyber Risk Insurance Cyber risk insurance covering losses from cyber attacks, data breaches, and digital security incidents for businesses. Targeted at small and mid-sized enterprises facing growing cyber threats.

Quantifiable outcome

• Coverage limit up to 600,000 EUR for comprehensive health insurance
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Five partnerships are on record, tiered core.

• O2 Czech RepubliccoreChannel Partner/ Reseller/ DistributorO2 is a key distribution partner for MAXIMA pojišťovna, offering mobile device insurance and other products through O2 channels. The partnership enables MAXIMA to reach O2's large customer base in the Czech Republic.
• Air BankcoreChannel Partner/ Reseller/ DistributorAir Bank partnership allows distribution of insurance products to Air Bank customers, including personal finance protection and loan repayment insurance.
• ZonkycoreChannel Partner/ Reseller/ DistributorZonky partnership offers Zonky Life Jacket (Zonky záchranná vesta) loan repayment insurance product, protecting borrowers in case of disability, job loss, hospitalization, or death.
• EuroCross AssistancecoreTechnology or IntegrationEuroCross Assistance provides 24/7 multilingual assistance services for MaxMedical health insurance clients. Services include medical facility referrals, repatriation arrangements, and translation support in Czech, Slovak, English, German, French, Spanish, Russian, Ukrainian, and Vietnamese.
• 140 Contracted Healthcare FacilitiescoreStrategic or Co-development PartnerNetwork of 140 contracted healthcare facilities across the Czech Republic, including Aesculap ambulance, AGEL hospitals, dental clinics, and various specialists. These facilities provide direct billing with MAXIMA insurance, eliminating upfront payments for insured foreign nationals.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Direct pojišťovna: Czech digital-first motor and property insurer building online self-service distribution. Closely mirrors MAXIMA's online self-service/PLG positioning for property and simple retail cover, though currently more concentrated on motor.
• ERV Evropská pojišťovna (ERV Czech): Specialist Czech travel and expat-focused insurer offering short-stay medical and travel cover for foreigners and Schengen-area visitors. Overlaps with MAXIMA's MaxMedical Premium (necessary and urgent care) variant and competes for the same foreign-national segment.

Direct peers

• PVZP (Pojišťovna VZP): Czech insurance carrier most directly comparable to MAXIMA on health insurance for foreign nationals. Both operate in the same regulatory niche under Czech law 277/2002, with comparable multilingual servicing, contracted hospital networks, and short/long-stay product variants for expats in the Czech Republic.
• UNIQA pojišťovna (Czechia): Mid-size generalist insurer in the Czech Republic offering motor, property, life and health products to consumers and SMEs. Comparable to MAXIMA's multi-line retail strategy and partner-network distribution, though larger and with broader geographic reach.
• Slavia pojišťovna: Czech small-to-mid insurance carrier offering term life, accident, property and travel/health cover for individuals. Comparable in scale and product breadth to MAXIMA's MaxEfekt and MaxDomov lines, with overlapping retail and partner-bank distribution models in the Czech market.

Broad incumbents

• ČSOB Pojišťovna: Czech bancassurance-led carrier selling life and non-life products primarily through the ČSOB/ČSOB Pojišťovna banking channel. Comparable to MAXIMA's bank-partnership model (Air Bank, Zonky) but tied to a much larger distribution franchise.
• Allianz pojišťovna (Czechia): Global insurer's Czech subsidiary offering life, health, property and motor products via agents, brokers and bank partners. Comparable channel structure and product set to MAXIMA but with materially larger capital base and brand recognition.
• Generali Česká pojišťovna: The dominant legacy Czech insurer providing life, property, motor and health cover through an extensive branch and agent network. Operates at far greater scale than MAXIMA but overlaps directly in term life, property and accident/health retail lines.
• Kooperativa pojišťovna, Vienna Insurance Group: One of the largest non-life insurers in the Czech Republic (part of VIG), offering property, liability, motor and accident lines via a large tied agent network. Competes with MAXIMA's MaxDomov and business-insurance offerings while operating at materially greater scale.
• AXA pojišťovna (Czechia): International group's Czech general insurance operation providing property, motor and SME products. Comparable product-line breadth but operates predominantly via brokers and partnerships rather than expat-specialist distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/APojistovna
• Facebookfacebook.com/maximapojistovna

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MAXIMA Pojišťovna