We're an insurance company, but a travel insurance company. We have it different because we travel for a living. For over 100 years. Every year we personally inspect the level of medical care abroad. We've built a network of help centers on every continent. Over a million clients a year makes us the number one Czech medical service. You travel. We care.

We provide free debt counselling, In the last 7 years we have helped more than 95,000 people to solve their debt problems, of which over 11,000 have solved their situation by means of debt relief under the Insolvency Act. Anyone can contact us, no matter where you are from.

We offer non-bank loans to individuals, entrepreneurs and sole traders up to CZK 250,000. Personal and business loans can be arranged from the comfort of your home or at our branches. You can arrange a Razdva loan from your mobile phone within 12 minutes of approval. We do not need to know the reason for the loan and we also offer the possibility of merging loans.