{"id":2053,"date":"2024-03-18T10:33:26","date_gmt":"2024-03-18T09:33:26","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2053"},"modified":"2024-03-18T10:35:12","modified_gmt":"2024-03-18T09:35:12","slug":"pojisteni-schopnosti-splacet-prinasi-jistotu-v-nejiste-dobe-vsespasitelne-ale-neni","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/pojisteni-schopnosti-splacet-prinasi-jistotu-v-nejiste-dobe-vsespasitelne-ale-neni\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet p\u0159in\u00e1\u0161\u00ed jistotu v nejist\u00e9 dob\u011b, v\u0161espasiteln\u00e9 ale nen\u00ed"},"content":{"rendered":"\n<p><strong>P\u0159i ztr\u00e1t\u011b schopnosti pracovat kv\u016fli nemoci nebo \u00farazu m\u016f\u017ee hned z\u00e1hy znamenat i v\u00fdrazn\u00fd pokles nebo dokonce ztr\u00e1tu pravideln\u00e9ho p\u0159\u00edjmu. Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet<\/strong> <strong>dok\u00e1\u017ee tuhle d\u00edru v dom\u00e1c\u00edm rozpo\u010dtu zacelit.<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#h-proc-mate-resit-pojisteni\">Pro\u010d m\u00e1te \u0159e\u0161it poji\u0161t\u011bn\u00ed?<\/a><\/li><li class=\"\"><a href=\"#h-pojisteni-schopnosti-splacet-k-hypotece\">Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet k hypot\u00e9ce<\/a><\/li><li class=\"\"><a href=\"#h-banky-nabizeji-pojisteni-k-hypotekam-jako-balicky\">Banky nab\u00edzej\u00ed poji\u0161t\u011bn\u00ed k hypot\u00e9k\u00e1m jako bal\u00ed\u010dky<\/a><\/li><li class=\"\"><a href=\"#h-rizika-pracovni-neschopnosti-a-ztraty-zamestnani\">Rizika pracovn\u00ed neschopnosti a ztr\u00e1ty zam\u011bstn\u00e1n\u00ed<\/a><\/li><li class=\"\"><a href=\"#h-nabidka-nejvetsich-bank-ma-mnoho-variant\">Nab\u00eddka nejv\u011bt\u0161\u00edch bank m\u00e1 mnoho variant&nbsp;<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#h-pozor-na-prohlaseni-o-zdravotnim-stavu\">Pozor na prohl\u00e1\u0161en\u00ed o zdravotn\u00edm stavu!<\/a><\/li><li class=\"\"><a href=\"#h-pojisteni-schopnosti-splacet-prece-jen-neco-stoji\">Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet p\u0159ece jen n\u011bco stoj\u00ed&#8230;<\/a><\/li><li class=\"\"><a href=\"#h-zivotni-pojisteni-zajisti-i-dalsi-naklady-rodiny-nejen-splatky-hypoteky\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed zajist\u00ed i dal\u0161\u00ed n\u00e1klady rodiny, nejen spl\u00e1tky hypot\u00e9ky<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-proc-mate-resit-pojisteni\">Pro\u010d m\u00e1te \u0159e\u0161it poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p>\u017de pr\u00e1v\u011b \u0159e\u0161\u00edte s bankou hypot\u00e9ku? Pak po v\u00e1s s vysokou pravd\u011bpodobnost\u00ed bude banka cht\u00edt sjednat <strong>poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet<\/strong>. Jeho pojistn\u00e9 v\u00e1s sice tak\u00e9 bude n\u011bco st\u00e1t, ale pokud si poji\u0161t\u011bn\u00ed uzav\u0159ete, m\u016f\u017eete za to z\u00edskat <strong>ni\u017e\u0161\u00ed \u00farokovou sazbu<\/strong> u hypot\u00e9ky. A hlavn\u011b, pokud byste se kv\u016fli ztr\u00e1t\u011b p\u0159\u00edjmu p\u0159i rekonvalescenci po \u00farazu nebo po dobu dlouhodob\u00e9 nemoci dostali do finan\u010dn\u00ed t\u00edsn\u011b, poji\u0161\u0165ovna, kter\u00e1 spolupracuje s va\u0161\u00ed bankou, bude spl\u00e1tky hypot\u00e9ky platit za v\u00e1s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pojisteni-schopnosti-splacet-k-hypotece\">Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet k hypot\u00e9ce<\/h2>\n\n\n\n<p>Hypot\u00e9ku si uzav\u0159ete i na des\u00edtky let. Je pom\u011brn\u011b pravd\u011bpodobn\u00e9, \u017ee se b\u011bhem t\u00e9 doby m\u016f\u017eete st\u00e1t dlouhodob\u011b pr\u00e1ce neschopn\u00fdm, z\u00e1va\u017en\u011b onemocn\u00edte nebo ztrat\u00edte zam\u011bstn\u00e1n\u00ed.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-80be6ee4ae26fe9fa7d39701c0b19319\">\ud83d\udc49 P\u0159e\u010dt\u011bte si tak\u00e9 \u010dl\u00e1nek: <a href=\"https:\/\/www.fingo.cz\/blog\/rodinny-financni-poradce-vam-usetri-cas-i-penize-jak-to-vlastne-funguje\/\">RODINN\u00dd FINAN\u010cN\u00cd PORADCE V\u00c1M U\u0160ET\u0158\u00cd \u010cAS I PEN\u00cdZE. JAK TO VLASTN\u011a FUNGUJE?<\/a><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><\/p>\n<cite><em>Pokud jde o posledn\u00ed jmenovan\u00e9 riziko, je pot\u0159eba se pod\u00edvat do pojistn\u00fdch podm\u00ednek. U rizika ztr\u00e1ty zam\u011bstn\u00e1n\u00ed b\u00fdv\u00e1 p\u0159esn\u011b uvedeno, z jak\u00e9ho d\u016fvodu ke ztr\u00e1t\u011b m\u016f\u017ee doj\u00edt a je tam vyjmenov\u00e1na i \u0159ada v\u00fdjimek a tak\u00e9 lh\u016ft, po kter\u00e9 za&nbsp;dlu\u017en\u00edka hrad\u00ed spl\u00e1tky poji\u0161\u0165ovna. Po uplynut\u00ed t\u00e9to lh\u016fty je na \u0159ad\u011b se spl\u00e1cen\u00edm znovu dlu\u017en\u00edk, a to bez ohledu na to, zda u\u017e novou pr\u00e1ci m\u00e1, nebo ne. Podobn\u00e9 je to i u rizika pracovn\u00ed neschopnosti, kde zase klient mus\u00ed splnit, a hlavn\u011b s vlastn\u00edmi financemi \u201ep\u0159e\u017e\u00edt\u201c karen\u010dn\u00ed dobu, po kterou mu poji\u0161\u0165ovna plnit nebude,\u201c<\/em> dod\u00e1v\u00e1 Petr Mot\u00e1\u010dek ze spole\u010dnosti FinGO.<\/cite><\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/mortgage\/version5\" frameborder=\"0\" allowfullscreen=\"\" width=\"90%\" height=\"728\" scrolling=\"1\" style=\"box-shadow: 0 0 10px gray; margin: 10px;\" name=\"banner2\" id=\"banner2\"><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-banky-nabizeji-pojisteni-k-hypotekam-jako-balicky\"><strong>Banky nab\u00edzej\u00ed poji\u0161t\u011bn\u00ed k hypot\u00e9k\u00e1m jako bal\u00ed\u010dky<\/strong><\/h2>\n\n\n\n<p>Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet pro danou banku p\u0159ipraven\u00e9 jinak a v\u011bt\u0161inou nab\u00edz\u00ed i v\u00edce variant pojistn\u00fdch bal\u00ed\u010dk\u016f. Poji\u0161t\u011bn\u00ed smrti je v\u011bt\u0161inou nastaven\u00e9 s klesaj\u00edc\u00ed pojistnou \u010d\u00e1stkou, kter\u00e9 pokr\u00fdv\u00e1 z\u016fstatek nesplacen\u00e9ho \u00fav\u011bru. Pokud jde o riziko invalidity, tak to maj\u00ed poji\u0161\u0165ovny zahrnuto obvykle a\u017e u 3. stupn\u011b, sporadicky i u 2. stupn\u011b invalidity. A op\u011bt pojistn\u00e1 \u010d\u00e1stka kryje pouze splacen\u00ed zb\u00fdvaj\u00edc\u00ed \u010d\u00e1sti \u00fav\u011bru. Jsou v\u00fdjimky, kdy je tomu jinak.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-rizika-pracovni-neschopnosti-a-ztraty-zamestnani\">Rizika pracovn\u00ed neschopnosti a ztr\u00e1ty zam\u011bstn\u00e1n\u00ed<\/h2>\n\n\n\n<p>D\u00e1le zde najdete rizika pracovn\u00ed neschopnosti nebo ztr\u00e1ty zam\u011bstn\u00e1n\u00ed, kde poji\u0161\u0165ovna pln\u011bn\u00ed poskytuje a\u017e po uplynut\u00ed karen\u010dn\u00ed doby. Tak\u00e9 pojistn\u00e9 pln\u011bn\u00ed za&nbsp;ztr\u00e1tu zam\u011bstn\u00e1n\u00ed poji\u0161\u0165ovny ned\u00e1vaj\u00ed v\u017edy. Jen kdy\u017e klient odejde z pr\u00e1ce z d\u016fvodu nadbyte\u010dnosti nebo pokud zam\u011bstnavatel p\u0159em\u00eds\u0165uje \u010di ru\u0161\u00ed v\u00fdrobu, z d\u016fvod\u016f organiza\u010dn\u00edch, konkurzu \u010di likvidace zam\u011bstnavatele. P\u0159esn\u011b podle zn\u011bn\u00ed pojistn\u00fdch podm\u00ednek, kter\u00e9 se mohou li\u0161it.<\/p>\n\n\n\n<p>Dal\u0161\u00edm rizikem, kter\u00e9 maj\u00ed n\u011bkter\u00e9 poji\u0161\u0165ovny v nab\u00eddce, jsou vyjmenovan\u00e9 diagn\u00f3zy z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed, ale pokud toto riziko poji\u0161\u0165ovny maj\u00ed, tak uhrad\u00ed pouze n\u011bkolik m\u00e1lo \u00fav\u011brov\u00fdch spl\u00e1tek. V neposledn\u00ed \u0159ad\u011b m\u016f\u017eete je\u0161t\u011b v nab\u00eddk\u00e1ch naj\u00edt i o\u0161et\u0159ov\u00e1n\u00ed \u010dlena rodiny, hospitalizaci nebo tak\u00e9 poji\u0161t\u011bn\u00ed pohled\u00e1vek.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"747\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/20.png\" alt=\"\" class=\"wp-image-2056\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/20.png 1000w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/20-300x224.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/20-768x574.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nabidka-nejvetsich-bank-ma-mnoho-variant\"><strong>Nab\u00eddka nejv\u011bt\u0161\u00edch bank m\u00e1 mnoho variant&nbsp;<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-komercni-banka-ve-spolupraci-s-komercni-pojistovnou\"><strong><a href=\"https:\/\/www.kb.cz\/cs\/obcane\/pujcky\/hypoteky\">Komer\u010dn\u00ed banka<\/a> ve spolupr\u00e1ci s <\/strong><a href=\"https:\/\/www.kb.cz\/cs\/obcane\/pojisteni\/pojisteni-schopnosti-splacet\"><strong>Komer\u010dn\u00ed poji\u0161\u0165ovnou<\/strong><\/a><strong>&nbsp;<\/strong><\/h3>\n\n\n\n<p>V nab\u00eddce maj\u00ed t\u0159i varianty poji\u0161t\u011bn\u00ed: prvn\u00ed pro p\u0159\u00edpad smrti poji\u0161t\u011bn\u00e9ho a invalidity 3.&nbsp;stupn\u011b, ve druh\u00e9 variant\u011b najdete k t\u011bmto dv\u011bma rizik\u016fm nav\u00edc je\u0161t\u011b pracovn\u00ed neschopnost a&nbsp;v&nbsp;posledn\u00ed varianta obsahuje ztr\u00e1tu zam\u011bstn\u00e1n\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-ceska-sporitelna-ve-spolupraci-s-kooperativa-pojistovnou\"><a href=\"https:\/\/www.csas.cz\/cs\/osobni-finance\/pujcky\/pujcka?gad_source=1&amp;gclid=EAIaIQobChMIo5SsrcnahAMVeI1QBh3D5ggdEAAYASAAEgJ5p_D_BwE\"><strong>\u010cesk\u00e1 spo\u0159itelna<\/strong><\/a><strong> ve spolupr\u00e1ci s <\/strong><a href=\"https:\/\/www.koop.cz\/pojisteni\/pojisteni-osob\/pojisteni-k-uverum-ceske-sporitelny\"><strong>Kooperativa poji\u0161\u0165ovnou<\/strong><\/a><\/h3>\n\n\n\n<p>V bal\u00ed\u010dc\u00edch Standard nebo Standard 50 % najdete zahrnuto poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti, invalidity 2. a 3. stupn\u011b a pracovn\u00ed neschopnosti.<\/p>\n\n\n\n<p>V bal\u00ed\u010dc\u00edch Plus nebo Plus 50 % najdete poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti, invalidity 2. a 3. stupn\u011b, pracovn\u00ed neschopnosti, ztr\u00e1ty zam\u011bstn\u00e1n\u00ed nebo zru\u0161en\u00ed \u017eivnosti a o\u0161et\u0159ov\u00e1n\u00ed \u010dlena rodiny.<\/p>\n\n\n\n<p>Varianty 50 % kryj\u00ed pouze 50 % z\u016fstatku \u00fav\u011bru a m\u016f\u017eete si ho sjednat pro \u00fav\u011bry nad 4 mil. K\u010d. U&nbsp;poji\u0161t\u011bn\u00ed smrti se zaplat\u00ed nesplacen\u00e1 \u010d\u00e1st \u00fav\u011bru a a\u017e 1 mil. K\u010d m\u016f\u017ee j\u00edt poz\u016fstal\u00fdm.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-csob-hypotecni-banka-ve-spolupraci-s-csob-pojistovnou\"><a href=\"https:\/\/www.csob.cz\/lide\/bydleni\"><strong>\u010cSOB Hypote\u010dn\u00ed banka<\/strong><\/a><strong> ve spolupr\u00e1ci s <\/strong><a href=\"https:\/\/www.csob.cz\/lide\/pojisteni\/pojisteni-k-uverum\"><strong>\u010cSOB poji\u0161\u0165ovnou<\/strong><\/a><\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed nab\u00edz\u00ed ve t\u0159ech variant\u00e1ch. Varianta I zahrnuje poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti a&nbsp;invalidity 3. stupn\u011b, ve variant\u011b II najdete krom\u011b t\u011bchto rizik nav\u00edc pracovn\u00ed neschopnost a&nbsp;varianta III nav\u00edc obsahuje je\u0161t\u011b riziko ztr\u00e1ty zam\u011bstn\u00e1n\u00ed, skon\u010den\u00ed slu\u017eebn\u00edho pom\u011bru a poji\u0161t\u011bn\u00ed pohled\u00e1vek. U&nbsp;poji\u0161t\u011bn\u00ed smrti a invalidity lze nastavit rozsah do 100 % z v\u00fd\u0161e \u00fav\u011bru, kdy cel\u00e9 pln\u011bn\u00ed jde bance, nebo do 150 % z v\u00fd\u0161e \u00fav\u011bru, kdy \u010d\u00e1stka nad 100 % jde u&nbsp;Invalidity poji\u0161t\u011bn\u00e9mu, v p\u0159\u00edpad\u011b smrti klienta obmy\u0161len\u00e9 osob\u011b.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-unicredit-bankve-spolupraci-s-generali-ceskou-pojistovnou\"><a href=\"https:\/\/www.unicreditbank.cz\/cs\/obcane.html#Hypoteky\"><strong>UniCredit Bank<\/strong><\/a><strong>ve spolupr\u00e1ci s <\/strong><a href=\"https:\/\/www.generaliceska.cz\/unicreditbank\"><strong>Generali \u010ceskou poji\u0161\u0165ovnou<\/strong><\/a><\/h3>\n\n\n\n<p>I v tomto poji\u0161t\u011bn\u00ed si klienti mohou vybrat ze t\u0159\u00ed variant. Ve variant\u011b Basic najdete poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti a invalidity 3. stupn\u011b, varianta Standard m\u00e1 nav\u00edc pracovn\u00ed neschopnost a varianta Full obsahuje dopln\u011bnou ztr\u00e1tu zam\u011bstn\u00e1n\u00ed a z\u00e1va\u017en\u00e1 onemocn\u011bn\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-moneta-money-bankve-spolupraci-s-cardif-pojistovnou\"><a href=\"https:\/\/www.moneta.cz\/hypoteky\"><strong>Moneta Money Bank<\/strong><\/a><strong>ve spolupr\u00e1ci s <\/strong><a href=\"https:\/\/cardif.cz\/cs\/web\/czech-republic\/pojisteni-schopnosti-splacet\"><strong>Cardif poji\u0161\u0165ovnou<\/strong><\/a><\/h3>\n\n\n\n<p>V tomto p\u0159\u00edpad\u011b m\u00e1 poji\u0161t\u011bn\u00ed dv\u011b varianty Varianta 1 je pro jednu osobu a obsahuje poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti, invalidity 3. stupn\u011b, pracovn\u00ed neschopnosti, o\u0161et\u0159ov\u00e1n\u00ed \u010dlena rodiny, ztr\u00e1ty zam\u011bstn\u00e1n\u00ed nebo zru\u0161en\u00ed \u017eivnosti a hospitalizace. Stejn\u00e1 rizika najdete i ve Variant\u011b 2, kter\u00e1 je pro dv\u011b osoby.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-raiffeisenbank-ve-spolupraci-s-uniqa-pojistovnou\"><a href=\"https:\/\/www.rb.cz\/osobni\/hypoteky\"><strong>Raiffeisenbank<\/strong><\/a><strong> ve spolupr\u00e1ci s <\/strong><a href=\"https:\/\/www.uniqa.cz\/\"><strong>UNIQA poji\u0161\u0165ovnou<\/strong><\/a><\/h3>\n\n\n\n<p>K hypot\u00e9ce poskytuj\u00ed poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti, invalidity 3. stupn\u011b, pracovn\u00ed neschopnosti a ztr\u00e1ty zam\u011bstn\u00e1n\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-mbank-ve-spolupraci-s-metlife-pojistovnou\"><a href=\"https:\/\/www.mbank.cz\/osobni\/hypoteky\/\"><strong>mBank<\/strong><\/a><strong> ve spolupr\u00e1ci s <\/strong><a href=\"https:\/\/www.metlife.cz\/skupinove-pojisteni\/pojisteni-schopnosti-splacet\/\"><strong>MetLife poji\u0161\u0165ovnou<\/strong><\/a><\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet zahrnuje riziko smrti a invalidity 3. stupn\u011b.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-e6c02f71d3dfa1eab7d13b2a9ba11f0c\">\ud83d\udc49 P\u0159e\u010dt\u011bte si tak\u00e9 \u010dl\u00e1nek: <a href=\"https:\/\/www.fingo.cz\/blog\/udrzitelne-bydleni-uveru-je-siroka-skala-ted-uz-si-jen-dobre-vybrat\/\">UDR\u017dITELN\u00c9 BYDLEN\u00cd: \u00daV\u011aR\u016e JE \u0160IROK\u00c1 \u0160K\u00c1LA, TE\u010e U\u017d SI JEN DOB\u0158E VYBRAT\u2026<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pozor-na-prohlaseni-o-zdravotnim-stavu\"><strong>Pozor na prohl\u00e1\u0161en\u00ed o zdravotn\u00edm stavu!<\/strong><\/h2>\n\n\n\n<p>Nejv\u011bt\u0161\u00edm benefitem poji\u0161t\u011bn\u00ed je sleva na \u00farokov\u00e9 sazb\u011b, kterou banky p\u0159i sjedn\u00e1n\u00ed bal\u00ed\u010dku nab\u00edzej\u00ed, a to od 0,1 % do 0,25 %.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><\/p>\n<cite> <em>\u201eBenefitem m\u016f\u017ee b\u00fdt i to, \u017ee do ur\u010dit\u00e9 \u010d\u00e1stky nemus\u00ed klient vypl\u0148ovat zdravotn\u00ed dotazn\u00edk a sta\u010d\u00ed jeho \u010destn\u00e9 prohl\u00e1\u0161en\u00ed, \u017ee je zdr\u00e1v. Velmi rychle se z t\u00e9to v\u00fdhody ale m\u016f\u017ee st\u00e1t nev\u00fdhoda, proto\u017ee pokud klient m\u011bl ji\u017e d\u0159\u00edve n\u011bjak\u00fd \u00faraz \u010di diagn\u00f3zu a opomn\u011bl to uv\u00e9st, tak mu v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti m\u016f\u017ee poji\u0161\u0165ovna odm\u00edtnout pojistn\u00e9 pln\u011bn\u00ed a smlouvu vypov\u011bd\u011bt. Zkoum\u00e1n\u00ed zdravotn\u00edho stavu a pravdiv\u00e9 odpov\u011bdi ve zdravotn\u00edm dotazn\u00edku jsou p\u0159ed uzav\u0159en\u00edm jak\u00e9hokoliv \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, a to i tohoto specifick\u00e9ho bal\u00ed\u010dku k hypot\u00e9k\u00e1m, skute\u010dn\u011b d\u016fle\u017eit\u00e9,\u201c<\/em> dopl\u0148uje Petr Mot\u00e1\u010dek ze spole\u010dnosti FinGO.<\/cite><\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pojisteni-schopnosti-splacet-prece-jen-neco-stoji\"><strong>Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet p\u0159ece jen n\u011bco stoj\u00ed&#8230;<\/strong><\/h2>\n\n\n\n<p>Platba poji\u0161t\u011bn\u00ed se odv\u00edj\u00ed od toho, zda je po\u010d\u00edt\u00e1na z v\u00fd\u0161e \u00fav\u011brov\u00e9 spl\u00e1tky nebo z v\u00fd\u0161e poskytnut\u00e9ho \u00fav\u011bru. Nap\u0159\u00edklad \u010cesk\u00e1 spo\u0159itelna ve spolupr\u00e1ci s Kooperativou to m\u00e1 nastaven\u00e9 procentem ze spl\u00e1tky.&nbsp; U dvoumilionov\u00e9 hypot\u00e9ky se platby pojistn\u00e9ho pohybuj\u00ed od 1044 K\u010d do 1195 K\u010d m\u011bs\u00ed\u010dn\u011b podle varianty poji\u0161t\u011bn\u00ed. Naopak t\u0159eba Komer\u010dn\u00ed banka ve spolupr\u00e1ci s Komer\u010dn\u00ed poji\u0161\u0165ovnou to m\u00e1 nastaven\u00e9 procentem z poskytnut\u00e9 v\u00fd\u0161e \u00fav\u011bru. U stejn\u011b vysok\u00e9 hypot\u00e9ky budou m\u011bs\u00ed\u010dn\u00ed platby od 500 K\u010d do 900 K\u010d podle typu poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p>Bal\u00ed\u010dek poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet m\u016f\u017ee b\u00fdt v\u00fdhodn\u00fd jen pro n\u011bkoho. Pat\u0159\u00ed mezi n\u011b ti, kte\u0159\u00ed cht\u011bj\u00ed uplatnit slevu na \u00farokov\u00e9 sazb\u011b nebo nemaj\u00ed rodinu a nepot\u0159ebuj\u00ed nikoho krom\u011b sebe zaji\u0161\u0165ovat. M\u016f\u017ee b\u00fdt tak\u00e9 vhodn\u00fdm dopl\u0148kem klasick\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-zivotni-pojisteni-zajisti-i-dalsi-naklady-rodiny-nejen-splatky-hypoteky\"><strong>\u017divotn\u00ed poji\u0161t\u011bn\u00ed zajist\u00ed i dal\u0161\u00ed n\u00e1klady rodiny, nejen spl\u00e1tky hypot\u00e9ky<\/strong><\/h2>\n\n\n\n<p>Pokud si pokl\u00e1d\u00e1te ot\u00e1zku, zda poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet pokryje v\u0161echna rizika a v\u0161echny \u010dleny dom\u00e1cnosti, tak odpov\u011b\u010f je jednozna\u010dn\u00e1 \u2013 ne. Prioritn\u011b je toti\u017e ur\u010deno v\u00fdhradn\u011b na pokryt\u00ed \u00fav\u011brov\u00e9 spl\u00e1tky, a je\u0161t\u011b pouze na ta rizika, kter\u00e1 jsou zahrnuta v bal\u00ed\u010dku. P\u0159itom i dal\u0161\u00ed rizika jsou pro rodinu dlu\u017en\u00edka z\u00e1sadn\u00ed!<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p id=\"htoc-poji-t-n-schopnosti-spl-cet-sice-zbav-dlu-n-ka-a-jeho-rodinu-t-e-m-s-n-ch-spl-tek-ale-dal-n-klady-spojen-s-chodem-dom-cnosti-t-m-vy-e-eny-nejsou-proto-doporu-ujeme-klient-m-ivotn-pojistku-v-hodou-je-e-pojistn-pln-n-z-n-jde-hned-a-p-mo-rodin-kter-pak-sama-zv-co-zaplat-nejd-ve-zda-to-budou-spl-tky-v-ru-n-klady-na-l-bu-rekonvalescenci-b-n-v-daje-nebo-t-eba-nutn-stavebn-pravy-bytu-uzav-r-petr-mot-ek-ze-spole-nosti-fingo\"><\/p>\n<cite><em>\u201ePoji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet sice zbav\u00ed dlu\u017en\u00edka a jeho rodinu t\u00ed\u017ee m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek, ale dal\u0161\u00ed n\u00e1klady spojen\u00e9 s chodem dom\u00e1cnosti t\u00edm vy\u0159e\u0161eny nejsou. Proto doporu\u010dujeme klient\u016fm \u017eivotn\u00ed pojistku. V\u00fdhodou je, \u017ee pojistn\u00e9 pln\u011bn\u00ed z n\u00ed jde hned a p\u0159\u00edmo rodin\u011b, kter\u00e1 pak sama zv\u00e1\u017e\u00ed, co zaplat\u00ed nejd\u0159\u00edve. Zda to budou spl\u00e1tky \u00fav\u011bru, n\u00e1klady na l\u00e9\u010dbu, rekonvalescenci, b\u011b\u017en\u00e9 v\u00fddaje, nebo t\u0159eba nutn\u00e9 stavebn\u00ed \u00fapravy bytu,\u201c<\/em> uzav\u00edr\u00e1 Petr Mot\u00e1\u010dek ze spole\u010dnosti FinGO.<\/cite><\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<p>Pokud pl\u00e1nujete hypot\u00e9ku,&nbsp;<a href=\"https:\/\/www.fingo.cz\/kontakty\">kontaktujte n\u00e1s<\/a>. Pom\u016f\u017eeme nejen s n\u00ed, ale tak\u00e9 nez\u00e1visle se v\u0161emi dal\u0161\u00edmi produkty, kter\u00e9 budete pot\u0159ebovat tak, aby se v\u00e1m to vyplatilo.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>P\u0159i ztr\u00e1t\u011b schopnosti pracovat kv\u016fli nemoci nebo \u00farazu m\u016f\u017ee hned z\u00e1hy znamenat i v\u00fdrazn\u00fd pokles nebo dokonce ztr\u00e1tu pravideln\u00e9ho p\u0159\u00edjmu. Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet dok\u00e1\u017ee tuhle d\u00edru v dom\u00e1c\u00edm rozpo\u010dtu zacelit. Pro\u010d m\u00e1te \u0159e\u0161it poji\u0161t\u011bn\u00ed? \u017de pr\u00e1v\u011b \u0159e\u0161\u00edte s bankou hypot\u00e9ku? Pak po v\u00e1s s vysokou pravd\u011bpodobnost\u00ed bude banka cht\u00edt sjednat poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet. Jeho pojistn\u00e9 v\u00e1s sice tak\u00e9 bude n\u011bco st\u00e1t, ale pokud si poji\u0161t\u011bn\u00ed uzav\u0159ete, m\u016f\u017eete za to z\u00edskat ni\u017e\u0161\u00ed \u00farokovou sazbu u hypot\u00e9ky. A hlavn\u011b, pokud byste se kv\u016fli ztr\u00e1t\u011b p\u0159\u00edjmu p\u0159i rekonvalescenci po \u00farazu nebo po dobu dlouhodob\u00e9 nemoci dostali do finan\u010dn\u00ed t\u00edsn\u011b, poji\u0161\u0165ovna, kter\u00e1 spolupracuje s va\u0161\u00ed bankou, bude spl\u00e1tky hypot\u00e9ky platit za v\u00e1s. Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet k hypot\u00e9ce Hypot\u00e9ku si uzav\u0159ete i na des\u00edtky let. Je pom\u011brn\u011b pravd\u011bpodobn\u00e9, \u017ee se b\u011bhem t\u00e9 doby m\u016f\u017eete st\u00e1t dlouhodob\u011b pr\u00e1ce neschopn\u00fdm, z\u00e1va\u017en\u011b onemocn\u00edte nebo ztrat\u00edte zam\u011bstn\u00e1n\u00ed. \ud83d\udc49 P\u0159e\u010dt\u011bte si tak\u00e9 \u010dl\u00e1nek: RODINN\u00dd FINAN\u010cN\u00cd PORADCE V\u00c1M U\u0160ET\u0158\u00cd \u010cAS I PEN\u00cdZE. JAK TO VLASTN\u011a FUNGUJE? Pokud jde o posledn\u00ed jmenovan\u00e9 riziko, je pot\u0159eba se pod\u00edvat do pojistn\u00fdch podm\u00ednek. U rizika ztr\u00e1ty zam\u011bstn\u00e1n\u00ed b\u00fdv\u00e1 p\u0159esn\u011b uvedeno, z jak\u00e9ho d\u016fvodu ke ztr\u00e1t\u011b m\u016f\u017ee doj\u00edt a je tam vyjmenov\u00e1na i \u0159ada v\u00fdjimek a tak\u00e9 lh\u016ft, po kter\u00e9 za&nbsp;dlu\u017en\u00edka hrad\u00ed spl\u00e1tky poji\u0161\u0165ovna. Po uplynut\u00ed [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":2055,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,5],"tags":[28,18,134],"class_list":["post-2053","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hypoteky","category-zivotni-pojisteni","tag-petr-motacek","tag-pojisteni","tag-pojisteni-schopnosti-splacet"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet, blog, FinGO.cz<\/title>\n<meta name=\"description\" content=\"Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet po\u017eaduj\u00ed bank jako sv\u00e9 kryt\u00ed p\u0159i poskytnut\u00ed hypot\u00e9ky. M\u016f\u017eete d\u00edky tomu z\u00edskat ni\u017e\u0161\u00ed sazbu. 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