{"id":2396,"date":"2024-11-28T14:03:54","date_gmt":"2024-11-28T13:03:54","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2396"},"modified":"2024-11-28T15:18:56","modified_gmt":"2024-11-28T14:18:56","slug":"zivotni-pojisteni-proc-ho-mit-a-jak-ho-spravne-nastavit","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-proc-ho-mit-a-jak-ho-spravne-nastavit\/","title":{"rendered":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed: pro\u010d ho m\u00edt a jak ho spr\u00e1vn\u011b nastavit?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"htoc-ivotn-poji-t-n-jako-pil-finan-n-jistoty\"><strong>\u017divotn\u00ed poji\u0161t\u011bn\u00ed jako pil\u00ed\u0159 finan\u010dn\u00ed jistoty<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Zdrav\u00ed a rodina jsou t\u00edm nejcenn\u011bj\u0161\u00edm, co m\u00e1me. P\u0159esto na jejich ochranu \u010dasto zapom\u00edn\u00e1me. P\u0159em\u00fd\u0161leli jste n\u011bkdy, co by se stalo, kdybyste nemohli pracovat nebo kdyby v\u00e1\u0161 p\u0159\u00edjem v rodin\u011b n\u00e1hle vypadl? A\u0165 u\u017e \u0159e\u0161\u00edte hypot\u00e9ku, finan\u010dn\u00ed z\u00e1vazky, nebo chcete zajistit sv\u00e9 bl\u00edzk\u00e9, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed p\u0159edstavuje kl\u00ed\u010dov\u00fd n\u00e1stroj pro zvl\u00e1dnut\u00ed ne\u010dekan\u00fdch situac\u00ed.<\/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=\"#htoc-p-b-h-kter-m-e-b-t-v\">P\u0159\u00edb\u011bh, kter\u00fd m\u016f\u017ee b\u00fdt v\u00e1\u0161<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-jsou-na-tom-statistiky\">Jak jsou na tom statistiky<\/a><\/li><li class=\"\"><a href=\"#htoc-3-hlavn-d-vody-pro-se-rozhodnout-pro-ivotn-poji-t-n\">3 hlavn\u00ed d\u016fvody, pro\u010d se rozhodnout pro \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-v-n-onemocn-n-nej-ast-j-diagn-zy\">V\u00e1\u017en\u00e1 onemocn\u011bn\u00ed \u2013 nej\u010dast\u011bj\u0161\u00ed diagn\u00f3zy<\/a><\/li><li class=\"\"><a href=\"#htoc-bankovn-vs-individu-ln-ivotn-poji-t-n-kter-je-lep\">Bankovn\u00ed vs. individu\u00e1ln\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed: Kter\u00e9 je lep\u0161\u00ed?<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-vybrat-spr-vn-ivotn-poji-t-n\">Jak vybrat spr\u00e1vn\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/a><\/li><li class=\"\"><a href=\"#htoc-co-p-i-v-b-ru-ivotn-ho-poji-t-n-zohlednit\">Co p\u0159i v\u00fdb\u011bru \u017eivotn\u00edho poji\u0161t\u011bn\u00ed zohlednit?<\/a><\/li><li class=\"\"><a href=\"#htoc-ast-chyby-p-i-uzav-r-n-pojistky\">\u010cast\u00e9 chyby p\u0159i uzav\u00edr\u00e1n\u00ed pojistky<\/a><\/li><li class=\"\"><a href=\"#htoc-progresivn-pln-n-a-dal-p-ipoji-t-n\">Progresivn\u00ed pln\u011bn\u00ed a dal\u0161\u00ed p\u0159ipoji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-nepodce-ujte-rizika\">Nepodce\u0148ujte rizika<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-p-b-h-kter-m-e-b-t-v\"><strong>P\u0159\u00edb\u011bh, kter\u00fd m\u016f\u017ee b\u00fdt v\u00e1\u0161<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159edstavte si pan\u00ed Hanu, matku dvou d\u011bt\u00ed. Man\u017eel odjel do pr\u00e1ce jako obvykle. Bohu\u017eel m\u011bl autonehodu. Kdy\u017e se ve\u010der nevr\u00e1til, jej\u00ed \u017eivot se v jedin\u00e9m okam\u017eiku obr\u00e1til vzh\u016fru nohama. Krom\u011b nesm\u00edrn\u00e9ho z\u00e1rmutku musela \u0159e\u0161it ot\u00e1zku, jak zaplat\u00ed hypot\u00e9ku a u\u017eiv\u00ed rodinu. Na\u0161t\u011bst\u00ed m\u011bli uzav\u0159en\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, d\u00edky kter\u00e9mu mohla splatit cel\u00fd z\u016fstatek hypot\u00e9ky. Jen d\u00edky \u017eivotn\u00ed pojistce mohla pan\u00ed Hana v klidu splatit hypot\u00e9ku a zajistit, \u017ee d\u011bti budou m\u00edt kde vyr\u016fstat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jak by to vypadalo bez poji\u0161t\u011bn\u00ed? Rodina by byla nucena prodat byt a hledat levn\u011bj\u0161\u00ed bydlen\u00ed. K takov\u00e9mu stresu by u\u017e t\u011b\u017eko zvl\u00e1dala emo\u010dn\u00ed vyp\u011bt\u00ed ze ztr\u00e1ty bl\u00edzk\u00e9ho.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udf31 V\u00edte, pro\u010d si sjednat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed <a href=\"https:\/\/www.fingo.cz\/blog\/petr-motacek-radi-zivotni-pojistku-si-sjednejte-uz-v-mladi\/\">ji\u017e v ml\u00e1d\u00ed<\/a>?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-jsou-na-tom-statistiky\"><strong>Jak jsou na tom statistiky<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-v-roce-2023-bylo-v-esk-republice-evidov-no-2-535-milionu-p-pad-do-asn-pracovn-neschopnosti-z-nich-92-bylo-zp-sobeno-nemoc-i-karant-nou-zbytek-razy-esk-spr-va-zk-ho-prostoru\">V roce 2023 bylo v \u010cesk\u00e9 republice evidov\u00e1no 2,535 milionu p\u0159\u00edpad\u016f do\u010dasn\u00e9 pracovn\u00ed neschopnosti, z nich\u017e 92 % bylo zp\u016fsobeno nemoc\u00ed \u010di karant\u00e9nou, zbytek \u00farazy. (<a href=\"https:\/\/csu.gov.cz\/pracovni-neschopnost?utm_source=chatgpt.com\">\u010cesk\u00fd statistick\u00fd \u00fa\u0159ad<\/a>)<\/li>\n\n\n\n<li id=\"htoc-pr-m-rn-d-lka-trv-n-jednoho-p-padu-pracovn-neschopnosti-vzrostla-na-31-4-dne-s-statistika-amp-my\">Pr\u016fm\u011brn\u00e1 d\u00e9lka trv\u00e1n\u00ed jednoho p\u0159\u00edpadu pracovn\u00ed neschopnosti vzrostla na 31,4 dne. (\u010cS\u00da <a href=\"https:\/\/statistikaamy.csu.gov.cz\/kazdy-den-je-na-neschopence-v-prumeru-218-tisic-osob?utm_source=chatgpt.com\">Statistika &amp; MY<\/a>)<\/li>\n\n\n\n<li id=\"htoc-podle-daj-st-tn-ho-adu-inspekce-pr-ce-bylo-v-roce-2023-zaznamen-no-797-z-va-n-ch-pracovn-ch-raz-suip\">Podle \u00fadaj\u016f St\u00e1tn\u00edho \u00fa\u0159adu inspekce pr\u00e1ce bylo v roce 2023 zaznamen\u00e1no 797 z\u00e1va\u017en\u00fdch pracovn\u00edch \u00faraz\u016f. (<a href=\"https:\/\/www.suip.cz\/pracovni-urazovost-v-cr?utm_source=chatgpt.com\">SUIP<\/a>)<\/li>\n\n\n\n<li id=\"htoc-co-se-t-e-p-in-invalidity-4-p-pad-jsou-zp-sobena-razy-zat-mco-96-je-d-sledkem-nemoci\">Co se t\u00fd\u010de p\u0159\u00ed\u010din invalidity, 4 % p\u0159\u00edpad\u016f jsou zp\u016fsobena \u00farazy, zat\u00edmco 96 % je d\u016fsledkem nemoci.<\/li>\n\n\n\n<li id=\"htoc-pr-m-rn-invalidn-d-chod-ve-iii-stupni-in-15-633-k-co-asto-nepokr-v-ani-z-kladn-ivotn-n-klady\">Pr\u016fm\u011brn\u00fd invalidn\u00ed d\u016fchod ve III. stupni \u010din\u00ed 15 633 K\u010d, co\u017e \u010dasto nepokr\u00fdv\u00e1 ani z\u00e1kladn\u00ed \u017eivotn\u00ed n\u00e1klady.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Pot\u0159ebujete se nejd\u0159\u00edve zorientovat, jak\u00e9 jsou <a href=\"https:\/\/www.fingo.cz\/blog\/typy-zivotniho-pojisteni-s-jakymi-se-na-trhu-setkate\/\">typy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a>?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-3-hlavn-d-vody-pro-se-rozhodnout-pro-ivotn-poji-t-n\"><strong>3 hlavn\u00ed d\u016fvody, pro\u010d se rozhodnout pro \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li id=\"htoc-finan-n-podpora-p-i-ztr-t-p-jmuinvalidita-nebo-dlouhodob-pracovn-neschopnost-m-e-znamenat-a-70-pokles-p-jmu-nap-klad-pr-m-rn-invalidn-d-chod-asto-nesta-ani-na-spl-tky-hypot-ky\"><strong>Finan\u010dn\u00ed podpora p\u0159i ztr\u00e1t\u011b p\u0159\u00edjmu<\/strong><strong><br><\/strong>Invalidita nebo dlouhodob\u00e1 pracovn\u00ed neschopnost m\u016f\u017ee znamenat a\u017e 70 % pokles p\u0159\u00edjmu. Nap\u0159\u00edklad pr\u016fm\u011brn\u00fd invalidn\u00ed d\u016fchod \u010dasto nesta\u010d\u00ed ani na spl\u00e1tky <a href=\"https:\/\/www.fingo.cz\/hypotecni-kalkulacka\">hypot\u00e9ky<\/a>\u200b.<\/li>\n\n\n\n<li id=\"htoc-rychl-pln-n-pro-rodinuv-p-pad-mrt-poskytne-ivotn-poji-t-n-finan-n-pomoc-d-ve-ne-se-dokon-d-dick-zen-tyto-prost-edky-nejsou-zat-eny-dan-co-je-velkou-v-hodou\"><strong>Rychl\u00e9 pln\u011bn\u00ed pro rodinu<\/strong><strong><br><\/strong>V p\u0159\u00edpad\u011b \u00famrt\u00ed poskytne \u017eivotn\u00ed poji\u0161t\u011bn\u00ed finan\u010dn\u00ed pomoc d\u0159\u00edve, ne\u017e se dokon\u010d\u00ed d\u011bdick\u00e9 \u0159\u00edzen\u00ed. Tyto prost\u0159edky nejsou zat\u00ed\u017eeny dan\u00ed, co\u017e je velkou v\u00fdhodou\u200b.<\/li>\n\n\n\n<li id=\"htoc-pokryt-dluh-a-z-vazk-spr-vn-nastaven-pojistka-zajist-e-va-e-dluhy-nezat-va-e-bl-zk-m-ete-si-vybrat-pln-n-kter-pokryje-nejen-hypot-ku-ale-t-eba-i-n-klady-na-l-bu-nebo-v-chovu-d-t\"><strong>Pokryt\u00ed dluh\u016f a z\u00e1vazk\u016f<\/strong><strong><br><\/strong>Spr\u00e1vn\u011b nastaven\u00e1 pojistka zajist\u00ed, \u017ee va\u0161e dluhy nezat\u00ed\u017e\u00ed va\u0161e bl\u00edzk\u00e9. M\u016f\u017eete si vybrat pln\u011bn\u00ed, kter\u00e9 pokryje nejen hypot\u00e9ku, ale t\u0159eba i n\u00e1klady na l\u00e9\u010dbu nebo v\u00fdchovu d\u011bt\u00ed\u200b.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udf4e Pot\u0159ebujete \u017eivotn\u00ed poji\u0161t\u011bn\u00ed kv\u016fli hypote\u010dn\u00edmu \u00fav\u011bru? P\u0159e\u010dt\u011bte si <a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-schopnosti-splacet-prinasi-jistotu-v-nejiste-dobe-vsespasitelne-ale-neni\/\">d\u016fle\u017eitou radu<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-v-n-onemocn-n-nej-ast-j-diagn-zy\"><strong>V\u00e1\u017en\u00e1 onemocn\u011bn\u00ed \u2013 nej\u010dast\u011bj\u0161\u00ed diagn\u00f3zy<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mezi nej\u010dast\u011bj\u0161\u00ed diagn\u00f3zy v\u00e1\u017en\u00fdch onemocn\u011bn\u00ed pat\u0159\u00ed rakovina, infarkt, mrtvice a roztrou\u0161en\u00e1 skler\u00f3za, kter\u00e9 tvo\u0159\u00ed 92 % pojistn\u00fdch ud\u00e1lost\u00ed\u200b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u016fm\u011brn\u00e9 n\u00e1klady na l\u00e9\u010dbu onkologick\u00fdch pacient\u016f dosahuj\u00ed miliardy ro\u010dn\u011b, co\u017e ukazuje na obrovsk\u00fd dopad t\u011bchto onemocn\u011bn\u00ed\u200b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc75 V\u011bd\u011bli jste, \u017ee existuje tak\u00e9 <a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-dlouhodobe-pece\/\">poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de<\/a>?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-bankovn-vs-individu-ln-ivotn-poji-t-n-kter-je-lep\"><strong>Bankovn\u00ed vs. individu\u00e1ln\u00ed <\/strong>\u017eivotn\u00ed <strong>poji\u0161t\u011bn\u00ed: Kter\u00e9 je lep\u0161\u00ed?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed si m\u016f\u017eete sjednat v bance p\u0159i \u00fav\u011bru nebo individu\u00e1ln\u011b. Jak\u00e9 jsou rozd\u00edly?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bankovn\u00ed poji\u0161t\u011bn\u00ed:<\/strong>\n<ul class=\"wp-block-list\">\n<li id=\"htoc-kryje-hlavn-smrt-a-invaliditu\">Kryje hlavn\u011b smrt a invaliditu.<\/li>\n\n\n\n<li id=\"htoc-stka-na-v-r-kles-jak-spl-c-te-co-m-e-b-t-probl-m-u-dal-ch-z-vazk\">\u010c\u00e1stka na \u00fav\u011br kles\u00e1, jak spl\u00e1c\u00edte, co\u017e m\u016f\u017ee b\u00fdt probl\u00e9m u dal\u0161\u00edch z\u00e1vazk\u016f.<\/li>\n\n\n\n<li id=\"htoc-pln-n-je-vinkulov-no-ve-prosp-ch-banky-pen-ze-nem-ete-pou-t-jinak\">Pln\u011bn\u00ed je vinkulov\u00e1no ve prosp\u011bch banky \u2013 pen\u00edze nem\u016f\u017eete pou\u017e\u00edt jinak.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Individu\u00e1ln\u00ed poji\u0161t\u011bn\u00ed:<\/strong>\n<ul class=\"wp-block-list\">\n<li id=\"htoc-pojistnou-stku-si-ur-te-sami-kryje-i-dal-rizika-nap-v-n-nemoci\">Pojistnou \u010d\u00e1stku si ur\u010d\u00edte sami, kryje i dal\u0161\u00ed rizika, nap\u0159. v\u00e1\u017en\u00e9 nemoci.<\/li>\n\n\n\n<li id=\"htoc-pln-n-jde-p-mo-va-im-bl-zk-m-kter-ur-te\">Pln\u011bn\u00ed jde p\u0159\u00edmo va\u0161im bl\u00edzk\u00fdm, kter\u00e9 ur\u010d\u00edte.<\/li>\n\n\n\n<li id=\"htoc-smlouvu-si-m-ete-p-izp-sobit-nap-klad-zahrnout-i-d-ti\">Smlouvu si m\u016f\u017eete p\u0159izp\u016fsobit, nap\u0159\u00edklad zahrnout i d\u011bti\u200b\u200b.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 Srovnejte si <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">nab\u00eddky \u017eivotn\u00edho poji\u0161t\u011bn\u00ed <\/a>pro r\u016fzn\u00e9 situace v na\u0161\u00ed kalkula\u010dce.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-vybrat-spr-vn-ivotn-poji-t-n\"><strong>Jak vybrat spr\u00e1vn\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li id=\"htoc-analyzujte-sv-z-vazky-a-p-jmymyslete-na-sv-dluhy-a-pravideln-v-daje-m-jte-jasno-kolik-by-va-e-rodina-pot-ebovala-k-udr-en-ivotn-rovn\"><strong>Analyzujte sv\u00e9 z\u00e1vazky a p\u0159\u00edjmy<\/strong><strong><br><\/strong>Myslete na sv\u00e9 dluhy a pravideln\u00e9 v\u00fddaje. M\u011bjte jasno, kolik by va\u0161e rodina pot\u0159ebovala k udr\u017een\u00ed \u017eivotn\u00ed \u00farovn\u011b.<\/li>\n\n\n\n<li id=\"htoc-zva-te-ivotn-situacim-te-d-ti-hypot-ku-nebo-aktivn-sportujete-poji-t-n-lze-p-izp-sobit-p-mo-v-m-nap-klad-zv-it-kryt-raz-pro-sportovce\"><strong>Zva\u017ete \u017eivotn\u00ed situaci<\/strong><strong><br><\/strong>M\u00e1te d\u011bti, hypot\u00e9ku nebo aktivn\u011b sportujete? Poji\u0161t\u011bn\u00ed lze p\u0159izp\u016fsobit p\u0159\u00edmo v\u00e1m \u2013 nap\u0159\u00edklad zv\u00fd\u0161it kryt\u00ed \u00faraz\u016f pro sportovce\u200b.<\/li>\n\n\n\n<li id=\"htoc-ne-et-ete-na-kl-ov-ch-p-ipoji-t-n-chnap-klad-invalidita-tvo-96-v-ech-p-pad-z-d-vodu-nemoci-trval-n-sledky-razu-jsou-pouze-ve-4-p-pad-je-tedy-d-le-it-nastavit-pojistku-tak-aby-kryla-i-m-n-ast-ale-devastuj-c-situace\"><strong>Ne\u0161et\u0159ete na kl\u00ed\u010dov\u00fdch p\u0159ipoji\u0161t\u011bn\u00edch<\/strong><strong><br><\/strong>Nap\u0159\u00edklad invalidita tvo\u0159\u00ed 96 % v\u0161ech p\u0159\u00edpad\u016f z d\u016fvodu nemoci. Trval\u00e9 n\u00e1sledky \u00farazu jsou pouze ve 4 % p\u0159\u00edpad\u016f. Je tedy d\u016fle\u017eit\u00e9 nastavit pojistku tak, aby kryla i m\u00e9n\u011b \u010dast\u00e9, ale devastuj\u00edc\u00ed situace\u200b.<\/li>\n\n\n\n<li id=\"htoc-flexibilita-je-kl-ov-ivot-se-m-n-a-stejn-tak-by-m-lo-b-t-flexibiln-va-e-poji-t-n-p-id-vejte-p-ipoji-t-n-nebo-m-te-pojistn-stky-dle-pot-eby\"><strong>Flexibilita je kl\u00ed\u010dov\u00e1<\/strong><strong><br><\/strong>\u017divot se m\u011bn\u00ed, a stejn\u011b tak by m\u011blo b\u00fdt flexibiln\u00ed va\u0161e poji\u0161t\u011bn\u00ed. P\u0159id\u00e1vejte p\u0159ipoji\u0161t\u011bn\u00ed nebo m\u011b\u0148te pojistn\u00e9 \u010d\u00e1stky dle pot\u0159eby\u200b.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Pojistn\u00e1 suma by m\u011bla zohled\u0148ovat nejen dluhy, ale i v\u00fdchovu d\u011bt\u00ed, b\u011b\u017en\u00e9 v\u00fddaje a dlouhodob\u00e9 c\u00edle. Nap\u0159\u00edklad n\u00e1klady na v\u00fdchovu d\u00edt\u011bte do 18 let \u010din\u00ed zhruba 1,6 milionu K\u010d\u200b.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udfc3\u200d\u2640\ufe0f\ud83c\udfc3 Jak na <a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-sportovcu-jake-vybrat\/\">poji\u0161t\u011bn\u00ed sportovc\u016f<\/a>?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-p-i-v-b-ru-ivotn-ho-poji-t-n-zohlednit\"><strong>Co p\u0159i v\u00fdb\u011bru \u017eivotn\u00edho poji\u0161t\u011bn\u00ed zohlednit?<\/strong><\/h2>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li id=\"htoc-p-ipoji-t-n-pro-v-n-onemocn-n-v-n-onemocn-n-jako-rakovina-mrtvice-nebo-infarkt-mohou-znamenat-dlouh-obdob-l-by-vysok-v-daje-na-zdravotn-p-i-a-v-padek-p-jmu-n-kter-pojistky-zahrnuj-progresivn-kryt-pro-konkr-tn-diagn-zy-co-v-m-poskytne-v-ce-pen-z-p-i-t-m-pr-b-hu-nemoci\"><strong>P\u0159ipoji\u0161t\u011bn\u00ed pro v\u00e1\u017en\u00e1 onemocn\u011bn\u00ed<\/strong><br>V\u00e1\u017en\u00e1 onemocn\u011bn\u00ed, jako rakovina, mrtvice nebo infarkt, mohou znamenat dlouh\u00e9 obdob\u00ed l\u00e9\u010dby, vysok\u00e9 v\u00fddaje na zdravotn\u00ed p\u00e9\u010di a v\u00fdpadek p\u0159\u00edjmu. N\u011bkter\u00e9 pojistky zahrnuj\u00ed progresivn\u00ed kryt\u00ed pro konkr\u00e9tn\u00ed diagn\u00f3zy, co\u017e v\u00e1m poskytne v\u00edce pen\u011bz p\u0159i t\u011b\u017e\u0161\u00edm pr\u016fb\u011bhu nemoci.<\/li>\n\n\n\n<li id=\"htoc-trval-n-sledky-razutento-typ-p-ipoji-t-n-se-zam-uje-na-razy-kter-v-s-omez-v-b-n-m-ivot-nebo-pr-ci-u-sportovc-nebo-fyzicky-aktivn-ch-lid-by-m-l-b-t-tento-typ-kryt-prioritou\"><strong>Trval\u00e9 n\u00e1sledky \u00farazu<\/strong><br>Tento typ p\u0159ipoji\u0161t\u011bn\u00ed se zam\u011b\u0159uje na \u00farazy, kter\u00e9 v\u00e1s omez\u00ed v b\u011b\u017en\u00e9m \u017eivot\u011b nebo pr\u00e1ci. U sportovc\u016f nebo fyzicky aktivn\u00edch lid\u00ed by m\u011bl b\u00fdt tento typ kryt\u00ed prioritou.<\/li>\n\n\n\n<li id=\"htoc-invalidita-a-pracovn-neschopnostztr-ta-pracovn-schopnosti-m-obrovsk-dopad-na-finan-n-stabilitu-p-ipoji-t-n-invalidity-pokr-v-v-padek-p-jmu-a-pom-h-financovat-l-bu-nebo-pravy-bydlen\"><strong>Invalidita a pracovn\u00ed neschopnost<\/strong><br>Ztr\u00e1ta pracovn\u00ed schopnosti m\u00e1 obrovsk\u00fd dopad na finan\u010dn\u00ed stabilitu. P\u0159ipoji\u0161t\u011bn\u00ed invalidity pokr\u00fdv\u00e1 v\u00fdpadek p\u0159\u00edjmu a pom\u00e1h\u00e1 financovat l\u00e9\u010dbu nebo \u00fapravy bydlen\u00ed.<\/li>\n\n\n\n<li id=\"htoc-flexibiln-bal-ky-rizikmnoho-poji-oven-nab-z-mo-nost-rozd-lit-pojistn-kryt-do-bal-k-podle-typ-rizik-nap-n-dorov-onemocn-n-srde-n-c-vn-choroby-d-ky-tomu-poji-t-n-pokra-uje-i-po-prvn-pojistn-ud-losti-z-jin-ho-bal-ku\"><strong>Flexibiln\u00ed bal\u00ed\u010dky rizik<\/strong><br>Mnoho poji\u0161\u0165oven nab\u00edz\u00ed mo\u017enost rozd\u011blit pojistn\u00e9 kryt\u00ed do bal\u00ed\u010dk\u016f podle typ\u016f rizik (nap\u0159. n\u00e1dorov\u00e1 onemocn\u011bn\u00ed, srde\u010dn\u011b-c\u00e9vn\u00ed choroby). D\u00edky tomu poji\u0161t\u011bn\u00ed pokra\u010duje i po prvn\u00ed pojistn\u00e9 ud\u00e1losti z jin\u00e9ho bal\u00ed\u010dku.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-ast-chyby-p-i-uzav-r-n-pojistky\"><strong>\u010cast\u00e9 chyby p\u0159i uzav\u00edr\u00e1n\u00ed pojistky<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mnoho lid\u00ed nech\u00e1v\u00e1 pojistky bez \u00fapravy i des\u00edtky let, ani\u017e by je p\u0159izp\u016fsobovali sv\u00e9 aktu\u00e1ln\u00ed situaci. \u010castou chybou je tak\u00e9 nedostate\u010dn\u00e9 vypln\u011bn\u00ed zdravotn\u00edho dotazn\u00edku, co\u017e m\u016f\u017ee v\u00e9st k zam\u00edtnut\u00ed pln\u011bn\u00ed\u200b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83e\udd12 Existuje i \u017eivotn\u00ed poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu. Pod\u00edvejte se na <a href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-bez-zkoumani-zdravotniho-stavu\/\">velk\u00e9 srovn\u00e1n\u00ed<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-progresivn-pln-n-a-dal-p-ipoji-t-n\"><strong>Progresivn\u00ed pln\u011bn\u00ed a dal\u0161\u00ed p\u0159ipoji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Progresivn\u00ed pln\u011bn\u00ed je speci\u00e1ln\u00ed forma pojistn\u00e9ho kryt\u00ed, kter\u00e1 zaji\u0161\u0165uje, \u017ee p\u0159i v\u00e1\u017en\u00fdch nebo trval\u00fdch n\u00e1sledc\u00edch \u00farazu z\u00edsk\u00e1te n\u011bkolikan\u00e1sobek sjednan\u00e9 pojistn\u00e9 \u010d\u00e1stky. Tento princip zohled\u0148uje z\u00e1va\u017enost t\u011blesn\u00e9ho po\u0161kozen\u00ed a pom\u00e1h\u00e1 zm\u00edrnit dopady na v\u00e1\u0161 \u017eivot a finance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ipoji\u0161t\u011bn\u00ed pro v\u00e1\u017en\u00e9 \u00farazy nebo trval\u00e9 n\u00e1sledky \u00farazu s progresivn\u00edm pln\u011bn\u00edm m\u016f\u017ee n\u011bkolikan\u00e1sobn\u011b zv\u00fd\u0161it vyplacenou \u010d\u00e1stku. Nap\u0159\u00edklad p\u0159i ztr\u00e1t\u011b zraku na ob\u011b o\u010di m\u016f\u017ee b\u00fdt vyplaceno a\u017e 5 milion\u016f K\u010d d\u00edky progresi 500 %\u200b. Progresivn\u00ed pln\u011bn\u00ed je obzvl\u00e1\u0161\u0165 d\u016fle\u017eit\u00e9 u \u00faraz\u016f, kter\u00e9 mohou v\u00fdrazn\u011b zm\u011bnit v\u00e1\u0161 \u017eivot, jako je ztr\u00e1ta kon\u010detiny, ochrnut\u00ed nebo t\u011b\u017ek\u00e9 poran\u011bn\u00ed mozku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zva\u017ete, jak\u00e9 n\u00e1sledky by m\u011bl \u00faraz na v\u00e1\u0161 \u017eivot. Progresivn\u00ed pln\u011bn\u00ed m\u016f\u017ee pokr\u00fdt nejen l\u00e9\u010dbu, ale i ztr\u00e1tu schopnosti vykon\u00e1vat va\u0161e povol\u00e1n\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83e\udd31 Jak pojistit <a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-urazove-pojisteni-pro-deti\/\">d\u011bti proti \u00farazu<\/a>?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-nepodce-ujte-rizika\"><strong>Nepodce\u0148ujte rizika<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Invalidita nebo dlouhodob\u00e1 nemoc m\u016f\u017ee znamenat sn\u00ed\u017een\u00ed p\u0159\u00edjm\u016f a\u017e o 70 %. Nap\u0159\u00edklad pracovn\u00ed neschopnost poskytuje nemocenskou d\u00e1vku ve v\u00fd\u0161i 60\u201372 % denn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu\u200b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed zbyte\u010dn\u00fd luxus, ale kl\u00ed\u010dov\u00fd krok k ochran\u011b va\u0161\u00ed rodiny. <a href=\"https:\/\/www.fingo.cz\/kontakty\">Kontaktujte<\/a> odborn\u00edky z FinGO, kte\u0159\u00ed v\u00e1m pomohou se spr\u00e1vn\u00fdm nastaven\u00edm nebo si rovnou sami online <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">porovnejte nab\u00eddky<\/a> p\u0159\u00edmo na m\u00edru.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed jako pil\u00ed\u0159 finan\u010dn\u00ed jistoty Zdrav\u00ed a rodina jsou t\u00edm nejcenn\u011bj\u0161\u00edm, co m\u00e1me. P\u0159esto na jejich ochranu \u010dasto zapom\u00edn\u00e1me. P\u0159em\u00fd\u0161leli jste n\u011bkdy, co by se stalo, kdybyste nemohli pracovat nebo kdyby v\u00e1\u0161 p\u0159\u00edjem v rodin\u011b n\u00e1hle vypadl? A\u0165 u\u017e \u0159e\u0161\u00edte hypot\u00e9ku, finan\u010dn\u00ed z\u00e1vazky, nebo chcete zajistit sv\u00e9 bl\u00edzk\u00e9, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed p\u0159edstavuje kl\u00ed\u010dov\u00fd n\u00e1stroj pro zvl\u00e1dnut\u00ed ne\u010dekan\u00fdch situac\u00ed. P\u0159\u00edb\u011bh, kter\u00fd m\u016f\u017ee b\u00fdt v\u00e1\u0161 P\u0159edstavte si pan\u00ed Hanu, matku dvou d\u011bt\u00ed. Man\u017eel odjel do pr\u00e1ce jako obvykle. Bohu\u017eel m\u011bl autonehodu. Kdy\u017e se ve\u010der nevr\u00e1til, jej\u00ed \u017eivot se v jedin\u00e9m okam\u017eiku obr\u00e1til vzh\u016fru nohama. Krom\u011b nesm\u00edrn\u00e9ho z\u00e1rmutku musela \u0159e\u0161it ot\u00e1zku, jak zaplat\u00ed hypot\u00e9ku a u\u017eiv\u00ed rodinu. Na\u0161t\u011bst\u00ed m\u011bli uzav\u0159en\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, d\u00edky kter\u00e9mu mohla splatit cel\u00fd z\u016fstatek hypot\u00e9ky. Jen d\u00edky \u017eivotn\u00ed pojistce mohla pan\u00ed Hana v klidu splatit hypot\u00e9ku a zajistit, \u017ee d\u011bti budou m\u00edt kde vyr\u016fstat. Jak by to vypadalo bez poji\u0161t\u011bn\u00ed? Rodina by byla nucena prodat byt a hledat levn\u011bj\u0161\u00ed bydlen\u00ed. K takov\u00e9mu stresu by u\u017e t\u011b\u017eko zvl\u00e1dala emo\u010dn\u00ed vyp\u011bt\u00ed ze ztr\u00e1ty bl\u00edzk\u00e9ho. \ud83c\udf31 V\u00edte, pro\u010d si sjednat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed ji\u017e v ml\u00e1d\u00ed? Jak jsou na tom statistiky \ud83d\udc49 Pot\u0159ebujete se nejd\u0159\u00edve zorientovat, jak\u00e9 jsou typy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed? 3 hlavn\u00ed d\u016fvody, pro\u010d se rozhodnout pro \u017eivotn\u00ed poji\u0161t\u011bn\u00ed \ud83c\udf4e Pot\u0159ebujete \u017eivotn\u00ed [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":2397,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[28,27],"class_list":["post-2396","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni","tag-petr-motacek","tag-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u017divotn\u00ed poji\u0161t\u011bn\u00ed: pro\u010d ho m\u00edt a jak ho spr\u00e1vn\u011b nastavit? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"\u017divotn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed zbyte\u010dn\u00fd luxus, ale kl\u00ed\u010dov\u00fd krok k ochran\u011b va\u0161\u00ed rodiny. Invalidita nebo dlouhodob\u00e1 nemoc m\u016f\u017ee znamenat sn\u00ed\u017een\u00ed p\u0159\u00edjm\u016f a\u017e o 70 %.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-proc-ho-mit-a-jak-ho-spravne-nastavit\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u017divotn\u00ed poji\u0161t\u011bn\u00ed: pro\u010d ho m\u00edt a jak ho spr\u00e1vn\u011b nastavit?\" \/>\n<meta property=\"og:description\" content=\"\u017divotn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed zbyte\u010dn\u00fd luxus, ale kl\u00ed\u010dov\u00fd krok k ochran\u011b va\u0161\u00ed rodiny. 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