{"id":2445,"date":"2025-01-17T14:16:55","date_gmt":"2025-01-17T13:16:55","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2445"},"modified":"2025-02-24T10:03:17","modified_gmt":"2025-02-24T09:03:17","slug":"jak-nalozit-se-smlouvami-po-umrti-blizkeho-navod","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/jak-nalozit-se-smlouvami-po-umrti-blizkeho-navod\/","title":{"rendered":"Jak nalo\u017eit se smlouvami po \u00famrt\u00ed bl\u00edzk\u00e9ho? Praktick\u00fd n\u00e1vod krok za krokem"},"content":{"rendered":"\n<p><strong>\u00damrt\u00ed bl\u00edzk\u00e9ho \u010dlov\u011bka p\u0159in\u00e1\u0161\u00ed nejen smutek, ale i \u0159adu administrativn\u00edch \u00fakol\u016f. Co d\u011blat se smlouvami po zesnul\u00e9m? P\u0159in\u00e1\u0161\u00edme praktick\u00fd n\u00e1vod, jak v\u0161e zvl\u00e1dnout rychle a bez komplikac\u00ed.<\/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=\"#htoc-kdo-m-n-rok-na-pojistn-pln-n-z-pojistn-smlouvy-po-zem-el-m\">Kdo m\u00e1 n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed z pojistn\u00e9 smlouvy po zem\u0159el\u00e9m?<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-zjistit-zda-zesnul-m-l-sjednan-poji-t-n\">Jak zjistit, zda zesnul\u00fd m\u011bl sjednan\u00e9 poji\u0161t\u011bn\u00ed?<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-nahl-sit-mrt-poji-ovn-postup-krok-za-krokem\">Jak nahl\u00e1sit \u00famrt\u00ed poji\u0161\u0165ovn\u011b? Postup krok za krokem<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-p-edej-t-komplikac-m-p-i-e-en-pojistn-smlouvy\">Jak p\u0159edej\u00edt komplikac\u00edm p\u0159i \u0159e\u0161en\u00ed pojistn\u00e9 smlouvy po \u00famrt\u00ed?<\/a><\/li><li class=\"\"><a href=\"#htoc-co-se-stane-se-smlouvou-p-i-mrt-pojistn-ka-nebo-poji-t-n-ho\">Co se stane se smlouvou p\u0159i \u00famrt\u00ed pojistn\u00edka nebo poji\u0161t\u011bn\u00e9ho?<\/a><\/li><li class=\"\"><a href=\"#htoc-detailn-p-ehled-za-jednotliv-poji-ovny\">Detailn\u00ed p\u0159ehled za jednotliv\u00e9 poji\u0161\u0165ovny<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-ast-ot-zky-o-pojistn-ch-smlouv-ch-po-mrt-p-buzn-ho\">\u010cast\u00e9 ot\u00e1zky o pojistn\u00fdch smlouv\u00e1ch po \u00famrt\u00ed p\u0159\u00edbuzn\u00e9ho<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-shrnut-jak-nalo-it-se-smlouvami-po-zesnul-m\">Shrnut\u00ed: Jak nalo\u017eit se smlouvami po \u00famrt\u00ed<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kdo-m-n-rok-na-pojistn-pln-n-z-pojistn-smlouvy-po-zem-el-m\"><strong>Kdo m\u00e1 n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed z pojistn\u00e9 smlouvy po zem\u0159el\u00e9m?<\/strong><\/h2>\n\n\n\n<p>Jednou z prvn\u00edch ot\u00e1zek, kter\u00e9 v\u00e1s napadnou, je: <strong>kdo m\u00e1 pr\u00e1vo na pen\u00edze z \u017eivotn\u00edho poji\u0161t\u011bn\u00ed?<\/strong> Pojistn\u00e9 pln\u011bn\u00ed nen\u00ed sou\u010d\u00e1st\u00ed d\u011bdictv\u00ed, ale \u0159\u00edd\u00ed se podm\u00ednkami smlouvy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-obmy-len-osoba-pokud-byla-ve-smlouv-uvedena-z-sk-v-pojistn-pln-n-p-mo-tou-m-e-b-t-v-podstat-kdokoliv-a-dokonce-t-chto-osob-m-e-b-t-i-v-ce-mohou-m-t-tak-ur-en-procentu-ln-pod-ly\"><strong>Obmy\u0161len\u00e1 osoba<\/strong>: pokud byla ve smlouv\u011b uvedena, z\u00edsk\u00e1v\u00e1 pojistn\u00e9 pln\u011bn\u00ed p\u0159\u00edmo. Tou m\u016f\u017ee b\u00fdt v podstat\u011b kdokoliv a dokonce t\u011bchto osob m\u016f\u017ee b\u00fdt i v\u00edce. Mohou m\u00edt tak\u00e9 ur\u010den\u00e9 procentu\u00e1ln\u00ed pod\u00edly.<\/li>\n\n\n\n<li id=\"htoc-bez-ur-en-osoby-pln-n-jde-podle-z-kona-postupn-man-elovi-man-elce-d-tem-nebo-rodi-m-pokud-nejsou-pln-n-p-ipad-dal-m-d-dic-m\"><strong>Bez ur\u010den\u00e9 osoby<\/strong>: pln\u011bn\u00ed jde podle z\u00e1kona postupn\u011b man\u017eelovi\/man\u017eelce, d\u011btem nebo rodi\u010d\u016fm. Pokud nejsou, pln\u011bn\u00ed p\u0159ipad\u00e1 dal\u0161\u00edm d\u011bdic\u016fm.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-text-color has-link-color wp-elements-0441047c7000614a60a8c4b52ab5fd7f\"><strong>Tip:<\/strong> pravideln\u011b kontrolujte, zda jsou \u00fadaje ve smlouv\u011b aktu\u00e1ln\u00ed. Nap\u0159\u00edklad po rozvodu nebo \u00famrt\u00ed obmy\u0161len\u00e9 osoby m\u016f\u017ee b\u00fdt nutn\u00e9 prov\u00e9st zm\u011bnu. Obmy\u0161lenou osobu si toti\u017e m\u016f\u017eete v pojistn\u00e9 smlouv\u011b stanovit i vztahem (nap\u0159. man\u017eelka, bratr, syn, rodi\u010de apod.).<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\"><strong>\u2b50\ufe0f <\/strong>Zaj\u00edm\u00e1 v\u00e1s, jak si <strong><a href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-proc-ho-mit-a-jak-ho-spravne-nastavit\/\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed spr\u00e1vn\u011b nastavit<\/a>?<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-zjistit-zda-zesnul-m-l-sjednan-poji-t-n\"><strong>Jak zjistit, zda zesnul\u00fd m\u011bl sjednan\u00e9 poji\u0161t\u011bn\u00ed?<\/strong><\/h2>\n\n\n\n<p>Nev\u00edte, zda byl v\u00e1\u0161 p\u0159\u00edbuzn\u00fd poji\u0161t\u011bn\u00fd? Postupujte takto:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li id=\"htoc-kontaktujte-eskou-asociaci-poji-oven-pom-e-v-m-zjistit-zda-m-l-zesnul-smlouvu-a-u-jak-poji-ovny\"><strong>Kontaktujte \u010ceskou asociaci poji\u0161\u0165oven<\/strong> \u2013 pom\u016f\u017ee v\u00e1m zjistit, zda m\u011bl zesnul\u00fd smlouvu a u jak\u00e9 poji\u0161\u0165ovny.<\/li>\n\n\n\n<li id=\"htoc-vy-kejte-na-upom-nky-pokud-poji-ovna-nedostane-informaci-o-mrt-za-le-upom-nku-na-dal-platbu\"><strong>Vy\u010dkejte na upom\u00ednky<\/strong> \u2013 pokud poji\u0161\u0165ovna nedostane informaci o \u00famrt\u00ed, za\u0161le upom\u00ednku na dal\u0161\u00ed platbu.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-nahl-sit-mrt-poji-ovn-postup-krok-za-krokem\"><strong>Jak nahl\u00e1sit \u00famrt\u00ed poji\u0161\u0165ovn\u011b? Postup krok za krokem<\/strong><\/h2>\n\n\n\n<p>Jakmile zjist\u00edte, \u017ee zesnul\u00fd m\u011bl pojistnou smlouvu, oznamte to poji\u0161\u0165ovn\u011b. P\u0159ipravte si:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-mrtn-list\">\u00famrtn\u00ed list,<\/li>\n\n\n\n<li id=\"htoc-l-ka-skou-dokumentaci-potvrzuj-c-p-inu-smrti\">l\u00e9ka\u0159skou dokumentaci potvrzuj\u00edc\u00ed p\u0159\u00ed\u010dinu smrti.<\/li>\n<\/ul>\n\n\n\n<p>V n\u011bkter\u00fdch p\u0159\u00edpadech si m\u016f\u017ee poji\u0161\u0165ovna vy\u017e\u00e1dat dal\u0161\u00ed dokumenty, nap\u0159\u00edklad od Policie \u010cR, pokud smrt souvis\u00ed s trestnou \u010dinnost\u00ed nebo sebevra\u017edou nebo tak\u00e9 m\u016f\u017ee zkoumat, zda poji\u0161t\u011bn\u00fd p\u0159i vstupu do poji\u0161t\u011bn\u00ed nezaml\u010del n\u011bjak\u00e9 z\u00e1va\u017en\u00e9 zdravotn\u00ed obt\u00ed\u017ee, je\u017e byly p\u0159\u00ed\u010dinou \u00famrt\u00ed. V takov\u00fdch p\u0159\u00edpadech se m\u016f\u017ee \u0159e\u0161en\u00ed pojistn\u00e9 ud\u00e1losti trochu prot\u00e1hnout a trvat del\u0161\u00ed dobu. <strong>Lh\u016fta pro nahl\u00e1\u0161en\u00ed<\/strong> je kl\u00ed\u010dov\u00e1 \u2013 na n\u00e1rok m\u00e1te 10 let od \u00famrt\u00ed.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udc49 V\u00edte, \u017ee existuje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed <strong><a href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-bez-zkoumani-zdravotniho-stavu\/\">bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu<\/a><\/strong>? <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-p-edej-t-komplikac-m-p-i-e-en-pojistn-smlouvy\"><strong>Jak p\u0159edej\u00edt komplikac\u00edm p\u0159i \u0159e\u0161en\u00ed pojistn\u00e9 smlouvy po \u00famrt\u00ed?<\/strong><\/h2>\n\n\n\n<p>Abyste v budoucnu p\u0159ede\u0161li probl\u00e9m\u016fm:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-pravideln-kontrolujte-pojistn-smlouvy\">pravideln\u011b kontrolujte pojistn\u00e9 smlouvy,<\/li>\n\n\n\n<li id=\"htoc-udr-ujte-kontakty-na-poji-ovny-aktu-ln\">udr\u017eujte kontakty na poji\u0161\u0165ovny aktu\u00e1ln\u00ed,<\/li>\n\n\n\n<li id=\"htoc-ujist-te-se-e-obmy-len-osoby-odpov-daj-va-v-li\">ujist\u011bte se, \u017ee obmy\u0161len\u00e9 osoby odpov\u00eddaj\u00ed va\u0161\u00ed v\u016fli.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-se-stane-se-smlouvou-p-i-mrt-pojistn-ka-nebo-poji-t-n-ho\"><strong>Co se stane se smlouvou p\u0159i \u00famrt\u00ed pojistn\u00edka nebo poji\u0161t\u011bn\u00e9ho?<\/strong><\/h2>\n\n\n\n<p>A jak to bude s pojistnou smlouvou zem\u0159el\u00e9ho? Automaticky zanikne? Nebo pokra\u010duje d\u00e1l? K tomuto \u00fakonu p\u0159istupuj\u00ed poji\u0161\u0165ovny rozd\u00edln\u011b. Poj\u010fme se pod\u00edvat, jak\u00e9 \u0159e\u0161en\u00ed jednotliv\u00e9 poji\u0161\u0165ovny nab\u00edz\u00ed.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Poji\u0161\u0165ovna<\/strong><\/th><th><strong>Zanik\u00e1 smlouva p\u0159i \u00famrt\u00ed hlavn\u00edho poji\u0161t\u011bn\u00e9ho*?<\/strong><\/th><th><strong>Zanik\u00e1 smlouva p\u0159i \u00famrt\u00ed pojistn\u00edka**?<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Allianz<\/strong><\/td><td>\u2705 Ano<\/td><td>\u2705 Ano<\/td><\/tr><tr><td><strong>\u010cesk\u00e1 podnikatelsk\u00e1<\/strong><\/td><td>\u2705 Ano<\/td><td>\u274c Ne<\/td><\/tr><tr><td><strong>\u010cSOB poji\u0161\u0165ovna<\/strong><\/td><td>\u2705 Ano<\/td><td>\u274c Ne<\/td><\/tr><tr><td><strong>Generali \u010cesk\u00e1<\/strong><\/td><td>\u2705 Ano, ale lze pokra\u010dovat<\/td><td>\u274c Ne, lze zm\u011bnit pojistn\u00edka<\/td><\/tr><tr><td><strong>Komer\u010dn\u00ed poji\u0161\u0165ovna<\/strong><\/td><td>\u274c Ne, pokud je na smlouv\u011b dal\u0161\u00ed dosp\u011bl\u00e1 osoba<\/td><td>\u274c Ne, pokud je na smlouv\u011b dal\u0161\u00ed dosp\u011bl\u00e1 osoba<\/td><\/tr><tr><td><strong>Kooperativa<\/strong><\/td><td>\u2705 Ano<\/td><td>\u274c Ne, pokud je sjedn\u00e1no zpro\u0161t\u011bn\u00ed od placen\u00ed<\/td><\/tr><tr><td><strong>Maxima<\/strong><\/td><td>\u2705 Ano<\/td><td>\u274c Ne<\/td><\/tr><tr><td><strong>MetLife<\/strong><\/td><td>\u2705 Ano<\/td><td>\u274c Ne, pokud nov\u00fd pojistn\u00edk bude cht\u00edt pokra\u010dovat<\/td><\/tr><tr><td><strong>NN<\/strong><\/td><td>\u2705 Ano<\/td><td>\u274c Ne, pojistn\u00edka lze zm\u011bnit<\/td><\/tr><tr><td><strong>UNIQA<\/strong><\/td><td>\u2705 Ano<\/td><td>\u274c Ne, poji\u0161t\u011bn\u00e1 osoba m\u016f\u017ee p\u0159evz\u00edt smlouvu<\/td><\/tr><tr><td><strong>YouPlus<\/strong><\/td><td>\u274c Ne, smlouva pokra\u010duje s plnoletou osobou<\/td><td>\u274c Ne, smlouva pokra\u010duje s plnoletou osobou<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-small-font-size\"><strong>* Poji\u0161t\u011bn\u00fd: <\/strong>ten, na koho se pojistka vztahuje a kdo je chr\u00e1n\u011bn pojistnou smlouvou. M\u016f\u017ee b\u00fdt jin\u00e1 osoba ne\u017e pojistn\u00edk, nap\u0159\u00edklad d\u00edt\u011b, na kter\u00e9 je uzav\u0159eno \u00farazov\u00e9 poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p class=\"has-small-font-size\"><strong>** Pojistn\u00edk:<\/strong> ten, kdo uzav\u00edr\u00e1 pojistnou smlouvu a je odpov\u011bdn\u00fd za placen\u00ed pojistn\u00e9ho. M\u00e1 pr\u00e1vo prov\u00e1d\u011bt zm\u011bny ve smlouv\u011b, nap\u0159\u00edklad upravit pojistn\u00e9 kryt\u00ed nebo obmy\u0161len\u00e9 osoby. Pojistn\u00edk m\u016f\u017ee b\u00fdt jin\u00e1 osoba ne\u017e poji\u0161t\u011bn\u00fd.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-detailn-p-ehled-za-jednotliv-poji-ovny\"><strong>Detailn\u00ed p\u0159ehled za jednotliv\u00e9 poji\u0161\u0165ovny<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-allianz-poji-ovna\"><strong>Allianz poji\u0161\u0165ovna<\/strong><\/h3>\n\n\n\n<p>P\u0159i \u00famrt\u00ed hlavn\u00edho poji\u0161t\u011bn\u00e9ho smlouva automaticky zanik\u00e1. Pokud je na smlouv\u011b v\u00edce poji\u0161t\u011bn\u00fdch, mohou do 2 m\u011bs\u00edc\u016f od z\u00e1niku p\u016fvodn\u00ed smlouvy sjednat novou smlouvu. Ta mus\u00ed odpov\u00eddat p\u016fvodn\u00ed pojistn\u00e9 ochran\u011b a podm\u00ednk\u00e1m, p\u0159i\u010dem\u017e nebude nov\u011b posuzov\u00e1n zdravotn\u00ed stav ani zavedeny nov\u00e9 \u010dekac\u00ed doby.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-esk-podnikatelsk-poji-ovna\"><strong>\u010cesk\u00e1 podnikatelsk\u00e1 poji\u0161\u0165ovna<\/strong><\/h3>\n\n\n\n<p>Pokud je pojistn\u00edk z\u00e1rove\u0148 hlavn\u00edm poji\u0161t\u011bn\u00fdm, smlouva zanik\u00e1. V p\u0159\u00edpad\u011b, \u017ee je pojistn\u00edk odli\u0161n\u00fd, je mo\u017en\u00e9, aby smlouva pokra\u010dovala s t\u00edm, \u017ee se hlavn\u00ed poji\u0161t\u011bn\u00fd stane pojistn\u00edkem. Pokud je hlavn\u00ed poji\u0161t\u011bn\u00fd nezletil\u00fd, p\u0159eb\u00edr\u00e1 pojistn\u00e9 z\u00e1vazky z\u00e1konn\u00fd z\u00e1stupce.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-sob-poji-ovna\"><strong>\u010cSOB poji\u0161\u0165ovna<\/strong><\/h3>\n\n\n\n<p>U aktu\u00e1ln\u00edho produktu \u201eN\u00e1\u0161 \u017eivot\u201c, kter\u00fd se sjedn\u00e1v\u00e1 na jednu osobu, smlouva zanik\u00e1, pokud jsou pojistn\u00edk a hlavn\u00ed poji\u0161t\u011bn\u00fd toto\u017en\u00ed. U star\u0161\u00edch produkt\u016f (nap\u0159. Forte, Spectrum, KZP) smlouva pokra\u010duje, pokud je pojistn\u00edk odli\u0161n\u00fd od hlavn\u00edho poji\u0161t\u011bn\u00e9ho. V takov\u00e9m p\u0159\u00edpad\u011b p\u0159ech\u00e1z\u00ed z\u00e1vazky na hlavn\u00edho poji\u0161t\u011bn\u00e9ho.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-generali-esk-poji-ovna\"><strong>Generali \u010cesk\u00e1 poji\u0161\u0165ovna<\/strong><\/h3>\n\n\n\n<p>Smlouva zanik\u00e1 p\u0159i \u00famrt\u00ed pojistn\u00edka, kter\u00fd je z\u00e1rove\u0148 i hlavn\u00edm poji\u0161t\u011bn\u00fdm. M\u016f\u017eete po\u017e\u00e1dat, aby se pojistn\u00edkem a poji\u0161t\u011bn\u00fdm stal kdokoli z dal\u0161\u00edch poji\u0161t\u011bn\u00fdch osob. Pokud v\u0161ak zem\u0159e jin\u00e1 poji\u0161t\u011bn\u00e1 osoba, pouze se odpojist\u00ed a zbyl\u00e9 osoby na smlouv\u011b pokra\u010duj\u00ed. Pokud zem\u0159e jen pojistn\u00edk, kter\u00fd nen\u00ed poji\u0161t\u011bnou osobou, smlouva nezanik\u00e1, pouze se nastav\u00ed nov\u00fd pojistn\u00edk, mus\u00ed se v\u0161ak jednat o zletilou osobu.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-komer-n-poji-ovna\"><strong>Komer\u010dn\u00ed poji\u0161\u0165ovna<\/strong><\/h3>\n\n\n\n<p>Pokud zem\u0159e hlavn\u00ed poji\u0161t\u011bn\u00fd nebo pojistn\u00edk a na smlouv\u011b m\u00e1te poji\u0161t\u011bnou dal\u0161\u00ed dosp\u011blou osobu, smlouva m\u016f\u017ee pokra\u010dovat. Jako nov\u00e9ho pojistn\u00edka lze uv\u00e9st tuto dosp\u011blou osobu.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-kooperativa-poji-ovna\"><strong>Kooperativa poji\u0161\u0165ovna<\/strong><\/h3>\n\n\n\n<p>V p\u0159\u00edpad\u011b \u00famrt\u00ed hlavn\u00edho poji\u0161t\u011bn\u00e9ho smlouva zanik\u00e1. Osoby uveden\u00e9 na smlouv\u011b v\u0161ak maj\u00ed mo\u017enost do 6 m\u011bs\u00edc\u016f sjednat novou smlouvu za p\u016fvodn\u00edch podm\u00ednek, bez \u010dekac\u00edch dob a zdravotn\u00edho zkoum\u00e1n\u00ed. Pokud bylo sjedn\u00e1no zpro\u0161t\u011bn\u00ed od placen\u00ed a zem\u0159e pojistn\u00edk, kter\u00fd nen\u00ed z\u00e1rove\u0148 hlavn\u00edm poji\u0161t\u011bn\u00fdm, smlouva pokra\u010duje. Bez t\u00e9to dolo\u017eky smlouva zanik\u00e1.&nbsp;<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-maxima-poji-ovna\"><strong>Maxima poji\u0161\u0165ovna<\/strong><\/h3>\n\n\n\n<p>P\u0159i \u00famrt\u00ed hlavn\u00edho poji\u0161t\u011bn\u00e9ho smlouva zanik\u00e1. Dal\u0161\u00ed poji\u0161t\u011bn\u00e9 osoby v\u0161ak mohou do 6 m\u011bs\u00edc\u016f sjednat nov\u00e9 poji\u0161t\u011bn\u00ed se shodn\u00fdm rozsahem pojistn\u00e9 ochrany, a to bez zdravotn\u00edho zkoum\u00e1n\u00ed a p\u0159\u00edjmov\u00fdch test\u016f. Zem\u0159e-li pojistn\u00edk, kter\u00fd nen\u00ed z\u00e1rove\u0148 poji\u0161t\u011bn\u00fdm, vstupuje t\u00edmto dnem na jeho m\u00edsto hlavn\u00ed dosp\u011bl\u00fd poji\u0161t\u011bn\u00fd.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-metlife-poji-ovna\"><strong>MetLife poji\u0161\u0165ovna<\/strong><\/h3>\n\n\n\n<p>Smlouva zanik\u00e1 p\u0159i \u00famrt\u00ed hlavn\u00edho poji\u0161t\u011bn\u00e9ho. Pokud ale smlouva zahrnuje v\u00edce osob, mohou do 6 m\u011bs\u00edc\u016f sjednat novou smlouvu za stejn\u00fdch podm\u00ednek bez nutnosti zdravotn\u00edho zkoum\u00e1n\u00ed. P\u0159i \u00famrt\u00ed pojistn\u00edka se hlavn\u00ed poji\u0161t\u011bn\u00fd automaticky st\u00e1v\u00e1 pojistn\u00edkem, ale m\u016f\u017ee pokra\u010dov\u00e1n\u00ed odm\u00edtnout do 30 dn\u016f.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-nn-poji-ovna\"><strong>NN poji\u0161\u0165ovna<\/strong><\/h3>\n\n\n\n<p>Smlouva u aktu\u00e1ln\u00edho produktu \u201eOrange\u201c zanik\u00e1 p\u0159i \u00famrt\u00ed hlavn\u00edho poji\u0161t\u011bn\u00e9ho. Pokud jde o pojistn\u00edka, je mo\u017en\u00e9 jeho roli p\u0159ev\u00e9st na jinou osobu, co\u017e umo\u017en\u00ed pokra\u010dov\u00e1n\u00ed smlouvy.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-uniqa-poji-ovna\"><strong>UNIQA poji\u0161\u0165ovna<\/strong><\/h3>\n\n\n\n<p>Pokud zem\u0159e hlavn\u00ed poji\u0161t\u011bn\u00fd, smlouva zanik\u00e1. Druh\u00fd poji\u0161t\u011bn\u00fd v\u0161ak m\u016f\u017ee smlouvu p\u0159evz\u00edt za stejn\u00fdch podm\u00ednek, ale pod nov\u00fdm \u010d\u00edslem smlouvy.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>Zem\u0159e-li pojistn\u00edk, kter\u00fd nen\u00ed z\u00e1rove\u0148 poji\u0161t\u011bn\u00fdm, vstupuje t\u00edmto dnem na jeho m\u00edsto poji\u0161t\u011bn\u00e1 osoba.<br>Do 30 dn\u016f ode dne pojistn\u00edkovy smrti v\u0161ak m\u016f\u017ee sd\u011blit poji\u0161\u0165ovn\u011b, \u017ee na trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed nem\u00e1 z\u00e1jem, potom smlouva zanik\u00e1 dnem smrti nebo dnem z\u00e1niku pojistn\u00edka.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-youplus-poji-ovna\"><strong>YouPlus poji\u0161\u0165ovna<\/strong><\/h3>\n\n\n\n<p>Smlouva nezanik\u00e1, pokud je na druh\u00e9m m\u00edst\u011b smlouvy plnolet\u00e1 osoba. Tato osoba p\u0159evezme roli pojistn\u00edka\/hlavn\u00edho poji\u0161t\u011bn\u00e9ho a smlouva pokra\u010duje beze zm\u011bny.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-ast-ot-zky-o-pojistn-ch-smlouv-ch-po-mrt-p-buzn-ho\"><strong>\u010cast\u00e9 ot\u00e1zky o pojistn\u00fdch smlouv\u00e1ch po \u00famrt\u00ed p\u0159\u00edbuzn\u00e9ho<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-1-co-d-lat-kdy-zesnul-nem-uvedenou-obmy-lenou-osobu\"><strong>1. Co d\u011blat, kdy\u017e zesnul\u00fd nem\u00e1 uvedenou obmy\u0161lenou osobu?<\/strong><\/h3>\n\n\n\n<p>Pokud nen\u00ed ve smlouv\u011b ur\u010dena obmy\u0161len\u00e1 osoba, pojistn\u00e9 pln\u011bn\u00ed se vypl\u00e1c\u00ed podle z\u00e1kona. P\u0159ednost maj\u00ed man\u017eel\/man\u017eelka zesnul\u00e9ho, d\u011bti a n\u00e1sledn\u011b rodi\u010de. Pokud tyto osoby neexistuj\u00ed, n\u00e1rok p\u0159ech\u00e1z\u00ed na d\u011bdice. Proces se m\u016f\u017ee prodlou\u017eit, proto\u017ee poji\u0161\u0165ovna bude vy\u017eadovat dokumenty z d\u011bdick\u00e9ho \u0159\u00edzen\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-2-jak-postupovat-kdy-se-poji-ovna-dlouho-neoz-v\"><strong>2. Jak postupovat, kdy\u017e se poji\u0161\u0165ovna dlouho neoz\u00fdv\u00e1?<\/strong><\/h3>\n\n\n\n<p>Pokud od nahl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti ub\u011bhla del\u0161\u00ed doba a nem\u00e1te \u017e\u00e1dnou zp\u011btnou vazbu, doporu\u010dujeme:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-kontaktovat-poji-ovnu-a-ov-it-zda-obdr-ela-v-echny-pot-ebn-dokumenty\">Kontaktovat poji\u0161\u0165ovnu a ov\u011b\u0159it, zda obdr\u017eela v\u0161echny pot\u0159ebn\u00e9 dokumenty.<\/li>\n\n\n\n<li id=\"htoc-po-dat-o-aktu-ln-stav-zpracov-n-dosti\">Po\u017e\u00e1dat o aktu\u00e1ln\u00ed stav zpracov\u00e1n\u00ed \u017e\u00e1dosti.<\/li>\n\n\n\n<li id=\"htoc-v-p-pad-ne-innosti-poji-ovny-se-obr-tit-na-eskou-n-rodn-banku-kter-dohl-na-innost-poji-oven\">V p\u0159\u00edpad\u011b ne\u010dinnosti poji\u0161\u0165ovny se obr\u00e1tit na \u010ceskou n\u00e1rodn\u00ed banku, kter\u00e1 dohl\u00ed\u017e\u00ed na \u010dinnost poji\u0161\u0165oven.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-3-jak-ov-it-e-pojistn-pln-n-bylo-spr-vn-vypo-t-no\"><strong>3. Jak ov\u011b\u0159it, \u017ee pojistn\u00e9 pln\u011bn\u00ed po \u00famrt\u00ed bylo spr\u00e1vn\u011b vypo\u010d\u00edt\u00e1no?<\/strong><\/h3>\n\n\n\n<p>Pokud m\u00e1te pochybnosti o v\u00fd\u0161i pojistn\u00e9ho pln\u011bn\u00ed, zkontrolujte:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-podm-nky-pojistn-smlouvy-a-sjednan-pojistn-stky\">Podm\u00ednky pojistn\u00e9 smlouvy a sjednan\u00e9 pojistn\u00e9 \u010d\u00e1stky.<\/li>\n\n\n\n<li id=\"htoc-zda-poji-ovna-nezohlednila-n-kter-v-luky-nebo-omezen-ve-smlouv-v-p-pad-nejasnost-m-ete-po-dat-poji-ovnu-o-detailn-rozpis-v-po-tu-nebo-se-poradit-s-finan-n-m-poradcem\">Zda poji\u0161\u0165ovna nezohlednila n\u011bkter\u00e9 v\u00fdluky nebo omezen\u00ed ve smlouv\u011b.<br>V p\u0159\u00edpad\u011b nejasnost\u00ed m\u016f\u017eete po\u017e\u00e1dat poji\u0161\u0165ovnu o detailn\u00ed rozpis v\u00fdpo\u010dtu nebo se poradit s finan\u010dn\u00edm poradcem.<\/li>\n<\/ul>\n\n\n\n<iframe id=\"iframeBannerV1_life_insurance\" src=\"https:\/\/www.fingo.cz\/banner\/general?type=life_insurance\" style=\"height: 265px; min-height: 265px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-4-pokud-d-dicov-odm-tnou-d-dictv-ztrat-n-rok-na-pojistn-pln-n\"><strong>4. Pokud d\u011bdicov\u00e9 odm\u00edtnou d\u011bdictv\u00ed, ztrat\u00ed n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed?<\/strong><\/h3>\n\n\n\n<p>Odm\u00edtnut\u00ed d\u011bdictv\u00ed nem\u00e1 vliv na pojistn\u00e9 pln\u011bn\u00ed z \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, pokud byla ve smlouv\u011b uvedena obmy\u0161len\u00e1 osoba. Pojistn\u00e9 pln\u011bn\u00ed toti\u017e nen\u00ed sou\u010d\u00e1st\u00ed d\u011bdictv\u00ed a vypl\u00e1c\u00ed se p\u0159\u00edmo obmy\u0161len\u00e9 osob\u011b, kter\u00e1 m\u00e1 na n\u011bj n\u00e1rok bez ohledu na d\u011bdick\u00e9 \u0159\u00edzen\u00ed. Pokud v\u0161ak obmy\u0161len\u00e1 osoba nen\u00ed ur\u010dena, pojistn\u00e9 pln\u011bn\u00ed se st\u00e1v\u00e1 sou\u010d\u00e1st\u00ed d\u011bdictv\u00ed, a pokud ho d\u011bdicov\u00e9 odm\u00edtnou, n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed zanik\u00e1.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-5-jak-postupovat-pokud-byla-smlouva-uzav-ena-online-a-nezn-me-jej-detaily\"><strong>5. Jak postupovat, pokud byla smlouva uzav\u0159ena online a nezn\u00e1me jej\u00ed detaily?<\/strong><\/h3>\n\n\n\n<p>U smluv uzav\u0159en\u00fdch online lze detaily dohledat:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-v-e-mailov-komunikaci-mezi-zesnul-m-a-poji-ovnou\">V e-mailov\u00e9 komunikaci mezi zesnul\u00fdm a poji\u0161\u0165ovnou.<\/li>\n\n\n\n<li id=\"htoc-p-es-z-kaznickou-linku-poji-ovny-kde-je-mo-n-identifikovat-smlouvu-podle-z-kladn-ch-daj-zesnul-ho-nap-rodn-slo-pokud-nebyla-smlouva-uzav-ena-na-jm-no-zesnul-ho-ale-na-jin-osoby-mohou-b-t-podm-nky-slo-it-j\">P\u0159es z\u00e1kaznickou linku poji\u0161\u0165ovny, kde je mo\u017en\u00e9 identifikovat smlouvu podle z\u00e1kladn\u00edch \u00fadaj\u016f zesnul\u00e9ho (nap\u0159. rodn\u00e9 \u010d\u00edslo).<br>Pokud nebyla smlouva uzav\u0159ena na jm\u00e9no zesnul\u00e9ho, ale na jin\u00e9 osoby, mohou b\u00fdt podm\u00ednky slo\u017eit\u011bj\u0161\u00ed.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udc68\u200d\ud83e\uddbd\u200d\u27a1\ufe0f Po\u010det osob, kter\u00e9 pot\u0159ebuj\u00ed dlouhodobou pomoc s b\u011b\u017en\u00fdmi \u010dinnostmi, v \u010cesku rychle roste. <strong><a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-dlouhodobe-pece\/\">Poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de<\/a> <\/strong>p\u0159edstavuje zp\u016fsob, jak se na tuto situaci p\u0159ipravit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-shrnut-jak-nalo-it-se-smlouvami-po-zesnul-m\"><strong>Shrnut\u00ed: Jak nalo\u017eit se smlouvami po \u00famrt\u00ed<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li id=\"htoc-zjist-te-zda-m-l-zesnul-poji-t-n\">Zjist\u011bte, zda m\u011bl zesnul\u00fd poji\u0161t\u011bn\u00ed.<\/li>\n\n\n\n<li id=\"htoc-kontaktujte-poji-ovnu-a-oznamte-mrt\">Kontaktujte poji\u0161\u0165ovnu a oznamte \u00famrt\u00ed.<\/li>\n\n\n\n<li id=\"htoc-sledujte-zda-je-ve-smlouv-uvedena-obmy-len-osoba\">Sledujte, zda je ve smlouv\u011b uvedena obmy\u0161len\u00e1 osoba.<\/li>\n\n\n\n<li id=\"htoc-postupujte-podle-pokyn-poji-ovny-a-dbejte-na-lh-ty\">Postupujte podle pokyn\u016f poji\u0161\u0165ovny a dbejte na lh\u016fty.<\/li>\n<\/ol>\n\n\n\n<p><strong>Nejste si jist\u00ed?<\/strong> Kontaktujte odborn\u00edka, kter\u00fd v\u00e1m s vy\u0159\u00edzen\u00edm formalit pom\u016f\u017ee.<\/p>\n\n\n\n<p><strong>Pom\u016f\u017eeme v\u00e1m tak\u00e9 s \u0159e\u0161en\u00edm poji\u0161t\u011bn\u00ed.<\/strong> <a href=\"https:\/\/www.fingo.cz\/kontakty\">Kontaktujte na\u0161e specialisty<\/a> na FinGO.cz a z\u00edskejte odpov\u011bdi na v\u0161echny sv\u00e9 ot\u00e1zky<a href=\"https:\/\/www.fingo.cz\/kontakty\">.<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00damrt\u00ed bl\u00edzk\u00e9ho \u010dlov\u011bka p\u0159in\u00e1\u0161\u00ed nejen smutek, ale i \u0159adu administrativn\u00edch \u00fakol\u016f. Co d\u011blat se smlouvami po zesnul\u00e9m? P\u0159in\u00e1\u0161\u00edme praktick\u00fd n\u00e1vod, jak v\u0161e zvl\u00e1dnout rychle a bez komplikac\u00ed. Kdo m\u00e1 n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed z pojistn\u00e9 smlouvy po zem\u0159el\u00e9m? Jednou z prvn\u00edch ot\u00e1zek, kter\u00e9 v\u00e1s napadnou, je: kdo m\u00e1 pr\u00e1vo na pen\u00edze z \u017eivotn\u00edho poji\u0161t\u011bn\u00ed? Pojistn\u00e9 pln\u011bn\u00ed nen\u00ed sou\u010d\u00e1st\u00ed d\u011bdictv\u00ed, ale \u0159\u00edd\u00ed se podm\u00ednkami smlouvy: Tip: pravideln\u011b kontrolujte, zda jsou \u00fadaje ve smlouv\u011b aktu\u00e1ln\u00ed. Nap\u0159\u00edklad po rozvodu nebo \u00famrt\u00ed obmy\u0161len\u00e9 osoby m\u016f\u017ee b\u00fdt nutn\u00e9 prov\u00e9st zm\u011bnu. Obmy\u0161lenou osobu si toti\u017e m\u016f\u017eete v pojistn\u00e9 smlouv\u011b stanovit i vztahem (nap\u0159. man\u017eelka, bratr, syn, rodi\u010de apod.). \u2b50\ufe0f Zaj\u00edm\u00e1 v\u00e1s, jak si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed spr\u00e1vn\u011b nastavit? Jak zjistit, zda zesnul\u00fd m\u011bl sjednan\u00e9 poji\u0161t\u011bn\u00ed? Nev\u00edte, zda byl v\u00e1\u0161 p\u0159\u00edbuzn\u00fd poji\u0161t\u011bn\u00fd? Postupujte takto: Jak nahl\u00e1sit \u00famrt\u00ed poji\u0161\u0165ovn\u011b? Postup krok za krokem Jakmile zjist\u00edte, \u017ee zesnul\u00fd m\u011bl pojistnou smlouvu, oznamte to poji\u0161\u0165ovn\u011b. P\u0159ipravte si: V n\u011bkter\u00fdch p\u0159\u00edpadech si m\u016f\u017ee poji\u0161\u0165ovna vy\u017e\u00e1dat dal\u0161\u00ed dokumenty, nap\u0159\u00edklad od Policie \u010cR, pokud smrt souvis\u00ed s trestnou \u010dinnost\u00ed nebo sebevra\u017edou nebo tak\u00e9 m\u016f\u017ee zkoumat, zda poji\u0161t\u011bn\u00fd p\u0159i vstupu do poji\u0161t\u011bn\u00ed nezaml\u010del n\u011bjak\u00e9 z\u00e1va\u017en\u00e9 zdravotn\u00ed obt\u00ed\u017ee, je\u017e byly p\u0159\u00ed\u010dinou \u00famrt\u00ed. V takov\u00fdch p\u0159\u00edpadech se m\u016f\u017ee \u0159e\u0161en\u00ed pojistn\u00e9 ud\u00e1losti trochu prot\u00e1hnout a trvat del\u0161\u00ed dobu. [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":2446,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[28,155,156,27],"class_list":["post-2445","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni","tag-petr-motacek","tag-pojistna-smlouva","tag-umrti","tag-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u00damrt\u00ed bl\u00edzk\u00e9ho? Jak nalo\u017eit se smlouvami - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"\u00damrt\u00ed bl\u00edzk\u00e9ho? Jak nalo\u017eit se smlouvami, kdo m\u00e1 n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed, jak nahl\u00e1sit \u00famrt\u00ed poji\u0161\u0165ovn\u011b a co d\u011blat, kdy\u017e nen\u00ed ur\u010dena obmy\u0161len\u00e1 osoba.\" \/>\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\/jak-nalozit-se-smlouvami-po-umrti-blizkeho-navod\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak nalo\u017eit se smlouvami po \u00famrt\u00ed bl\u00edzk\u00e9ho? Praktick\u00fd n\u00e1vod krok za krokem\" \/>\n<meta property=\"og:description\" content=\"\u00damrt\u00ed bl\u00edzk\u00e9ho? Jak nalo\u017eit se smlouvami, kdo m\u00e1 n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed, jak nahl\u00e1sit \u00famrt\u00ed poji\u0161\u0165ovn\u011b a co d\u011blat, kdy\u017e nen\u00ed ur\u010dena obmy\u0161len\u00e1 osoba.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/jak-nalozit-se-smlouvami-po-umrti-blizkeho-navod\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog FinGO.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fingo.cz\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-17T13:16:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-24T09:03:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/01\/pojstne_smlouvy_po_umrti.png\" \/>\n\t<meta property=\"og:image:width\" content=\"740\" \/>\n\t<meta property=\"og:image:height\" content=\"494\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Petr Mot\u00e1\u010dek\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fingocz\" \/>\n<meta name=\"twitter:site\" content=\"@fingocz\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Petr Mot\u00e1\u010dek\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-nalozit-se-smlouvami-po-umrti-blizkeho-navod\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/jak-nalozit-se-smlouvami-po-umrti-blizkeho-navod\\\/\"},\"author\":{\"name\":\"Petr Mot\u00e1\u010dek\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/035cef351139d345354ad2b6e41a039a\"},\"headline\":\"Jak nalo\u017eit se smlouvami po \u00famrt\u00ed bl\u00edzk\u00e9ho? 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