How to make an ATM Anti-Theft claim

If you're robbed or mugged after an ATM cash withdrawal with your ZEN card, start by reporting the incident to the police. Then submit your claim within 72 hours and provide documents confirming the incident, withdrawal, and physical injury.

ATM Anti-Theft is provided by Chubb, a global insurance company, and is available with selected ZEN.COM subscription plans for residents of Poland, Czechia, Hungary, Romania, and Lithuania.

What to do after a robbery or mugging

To make a claim:

1. Report the incident to the local police within 8 hours.
   Get a written police report that includes an incident number and information about when the robbery or mugging occurred.
2. Report the incident to Chubb within 72 hours.
   1. Log in to the ZEN.COM app and select "Zenefits" from the bottom menu.
   2. Tap "ATM Anti-Theft" and open the Chubb Zenefits portal.
3. Provide documents supporting your claim.
   You'll need:
   • proof of the amount, date, and time of the ATM cash withdrawal
   • the police report
   • proof of the physical injury caused by the robbery or mugging

Once Chubb reviews and approves your claim, you can receive reimbursement up to the limit available with your subscription plan directly to your ZEN account.

When can I make a claim?

Your claim may qualify when all of these conditions are met:

• you're a resident of Poland, Czechia, Hungary, Romania, or Lithuania
• you have an eligible ZEN.COM subscription plan active
• the cash was withdrawn using your ZEN card
• the robbery or mugging happened within 1 hour of the withdrawal
• the incident happened within 500 meters of the ATM
• you sustained a physical injury as a result of the robbery or mugging
• the cash you withdrew was taken during the incident

For the full eligibility rules and exclusions, see: What is ATM Anti-Theft?

For complete claim conditions, check the applicable ATM Anti-Theft Terms.