Overview
Simplea pojistovna is a direct-to-consumer life insurance carrier headquartered in Prague, Czech Republic, licensed and regulated by the Czech National Bank. Founded in 2019, the company distributes life, disability, care dependency, and income protection policies entirely through a digital channel, with fully paperless processes and online health assessment conducted via verified bank identity. The carrier has expanded its licensed operations to Slovakia (2021) and Poland (2024).
Policy issuance requires no in-person steps; customers can calculate, apply, and bind a policy through the online platform in under one minute. An ongoing customer portal, "Moje simplea," supports policy management after purchase. The company's product design targets underserved age groups, including a product (Simplea Start, launched 2026) that ties premiums to the policyholder's current age and adjusts annually rather than locking in a rate at application.
Simplea is part of the Partners HoldCo group, which provides financial backing. As of 2026, the carrier serves more than 125,000 policyholders across its three operating markets and employs approximately 70 people.
Products & Services
Life Insurance
Simplea 2.0 -- Flagship life insurance product covering death, disability (grades 2-3), temporary income loss, and other life contingencies. Offered as a flexible risk protection policy configurable to individual needs. Simplea Start -- Product launched June 2026 targeting younger customers. Premiums adjust annually to reflect the policyholder's current age rather than a rate fixed at application. Features include guaranteed renewal until age 65, guaranteed non-adjustment of premiums due to health changes or claims history, and automatic upgrade eligibility to Simplea 2.0 under original conditions. A loyalty discount of 1% per year (maximum 15%) applies when transitioning to Simplea 2.0.
Long-term Care Insurance
Insurance covering care dependency, addressing costs associated with ongoing care needs for policyholders.
Mortgage Insurance
Declining balance coverage linked to mortgage obligations, designed to protect loan commitments in the event of death or disability.