By downloading the CKB Visa Gold card, you automatically become a user of the Sava insurance package - without additional application and documentation.

1. Travel health insurance with multiple entries and exits from the country for 30 days during the calendar year

This coverage includes the insured card user, as well as the spouse and children up to the age of 25 if they are traveling with the insured card user. Travel health insurance does not cover users of authorization cards, except in the case when the user of the authorization card is a spouse or a child up to the age of 25 traveling with the insured. The insurance covers a sudden and independent acute illness or accident (accident), which occurs during his stay abroad and requires medical assistance. This insurance does not cover events that occur in Montenegro and in the permanent place of residence of the insured.

Travel health insurance includes additional coverage due to skiing/snowboarding.

Important: every user of an active Visa Gold card has the right to insurance - it is not necessary to use the card to pay for accommodation or buy tickets.

2. Insurance against payment card abuse, which includes:

a) Insurance against the misuse of a lost or unlawfully confiscated insured payment card - the insurer compensates the damage in the amount of transactions, as a result of the misuse of a lost or unlawfully confiscated card

b) Unlawful attack on secured payment card data

Skimming - represents theft, i.e. the unauthorized reading of data from the original card when it is used in a legal transaction, and as a result, further unauthorized use of a duplicate card.
An insured case is considered a financial loss that occurred as a result of theft (unauthorized reading) of data from the original card and further unauthorized use of a duplicate card within a period of 48 hours until the card issuer blocked the card.

Phishing, vhishing, smishing - Unauthorized transactions as a result of misuse of secured card data if a third party has obtained the card data indirectly or directly, through illegal actions with the aim of collecting data from the secured payment card as a result of phishing, vishing or smishing.

• Phishing - online identity theft during which a third party fraudulently collects the data of a secured payment card through a fake website, e-mail, social network and other online services, in order to carry out fraudulent financial transactions and fraud;
• Vhishing - identity theft during which a third party fraudulently collects the data of a secured payment card based on a telephone call;
• Smishing - identity theft using SMS messages. It is an attempt by third parties to obtain personal, financial or security information via text message.

An insured event is considered a financial loss caused by an illegal attack on the data of an insured payment card, where a third party misused the data and made unauthorized transactions within a period of 48 hours until the moment when the card issuer blocked the card.

Insurance against payment card abuse applies to all CKB Visa Gold ownership and authorization cards up to the card limit, max €1,000

Subject of insurance Sum of insurance Participation in damage
1. Travel health insurance with multiple entries and exits from the country for 30 days during the calendar year
Territorial insurance coverage for all risks: the whole world €30,000 without participation in damages
Coverage due to skiing/snowboarding €5,000
Coverage of the costs of emergency med. transport €2,000
Costs of transporting the remains €5,000
2. Misuse of the Visa Gold Revolving payment card
a. Misuse of a lost or unlawfully confiscated insured payment card €1,000 per insured event/annually without participation in damages
b. Insurance against an illegal attack on payment card data
Skimming €1,000 per insured event/annually 5% of the calculated damage
Phishing, vhishing or smishing €500 per insured case/annually 10% of the calculated damage and a minimum of €50

The following are not covered by the insurance:

• financial losses caused by misuse of the card, which is the result of an intrusion into the data administrator's information center and the theft of the cardholder's data.
• financial losses caused by the theft of identification data other than the data of the insured payment card (e.g. username and password used by the insured to access the online point of sale)
• financial losses resulting from extortion committed against the insured during online trading,
• financial losses caused as a result of intentional actions or gross negligence of the insured,
• other exclusions in accordance with the insurance conditions.

How to report an insured event?

• Travel health insurance
  When an insured event occurs, it is mandatory to contact the assistance company at no. phone: +382 20 403 033
• Abuse of the card
  In the event of the occurrence of an insured event - misuse of the card, it is necessary to immediately report the misuse:
• Bank - by sending an email to: primedbe@ckb.me or by calling the Contact Center by phone: 19900, with a written confirmation of the application.
• to the MUP, with proof/confirmation that the report was made
• To the insurance company in the nearest branch / office or by mail (mart, Kalezić building, Zabjelska Vektra), telephone (020/234-541) or e-mail (stete@sava.co.me).

Download the Insurance Terms and other documentation to familiarize yourself with the insurance program in detail:

• CKB Visa Gold revolving - Program Sava osiguranje 2025
• General conditions for insurance in case of misuse of payment cards
• General conditions for travel health insurance

 U saradnji sa Sava osiguranjem AD Podgorica, Ulica Svetlane Kane Radević 1, Podgorica.