{"id":2631,"date":"2025-08-21T12:58:55","date_gmt":"2025-08-21T11:58:55","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2631"},"modified":"2025-11-05T13:14:44","modified_gmt":"2025-11-05T12:14:44","slug":"cekaci-doba-v-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/","title":{"rendered":"\u010cekac\u00ed doba v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed: co byste m\u011bli v\u011bd\u011bt p\u0159ed podpisem smlouvy"},"content":{"rendered":"\n<p><strong>Mo\u017en\u00e1 u\u017e m\u00e1te jasno, \u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je pro v\u00e1s d\u016fle\u017eit\u00fdm finan\u010dn\u00edm z\u00e1chrann\u00fdm p\u00e1sem. Ale v\u00edte, \u017ee i kdy\u017e si poji\u0161t\u011bn\u00ed sjedn\u00e1te dnes, ne v\u017edy jste poji\u0161t\u011bni \u201eod z\u00edt\u0159ka\u201c? Mnoho lid\u00ed je p\u0159ekvapeno, kdy\u017e naraz\u00ed na pojem \u010dekac\u00ed doba \u2013 a teprve tehdy zjist\u00ed, co to v praxi znamen\u00e1.<\/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-co-je-ekac-doba\">Co je \u010dekac\u00ed doba<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-jak-dlouh-b-v-ekac-doba-v-r\">Jak dlouh\u00e1 b\u00fdv\u00e1 \u010dekac\u00ed doba v \u010cR<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-dlouh-b-v-ekac-doba-v-r1\">Konkr\u00e9tn\u00ed \u010dekac\u00ed doby u jednotliv\u00fdch rizik a jejich p\u0159eb\u00edr\u00e1n\u00ed od jin\u00fdch poji\u0161\u0165oven<\/a><\/li><li class=\"\"><a href=\"#htoc-pro-poji-ovny-ekac-doby-zav-d-j\">Pro\u010d poji\u0161\u0165ovny \u010dekac\u00ed doby zav\u00e1d\u011bj\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-se-ekac-doba-po-t\">Jak se \u010dekac\u00ed doba po\u010d\u00edt\u00e1<\/a><\/li><li class=\"\"><a href=\"#htoc-na-co-si-d-t-pozor-p-ed-podpisem-smlouvy\">Na co si d\u00e1t pozor p\u0159ed podpisem smlouvy<\/a><\/li><li class=\"\"><a href=\"#htoc-v-hody-a-nev-hody-ekac-doby\">V\u00fdhody a nev\u00fdhody \u010dekac\u00ed doby<\/a><\/li><li class=\"\"><a href=\"#htoc-ekac-doba-nen-past\">\u010cekac\u00ed doba nen\u00ed past<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-je-ekac-doba\"><strong>Co je \u010dekac\u00ed doba<\/strong><\/h2>\n\n\n\n<p>\u010cekac\u00ed doba (anglicky \u201ewaiting period\u201c) je obdob\u00ed po za\u010d\u00e1tku poji\u0161t\u011bn\u00ed, b\u011bhem kter\u00e9ho nem\u00e1te n\u00e1rok na pln\u011bn\u00ed z ur\u010dit\u00fdch pojistn\u00fdch rizik, i kdy\u017e plat\u00edte pojistn\u00e9. Poji\u0161\u0165ovna tak chr\u00e1n\u00ed sebe i poctiv\u00e9 klienty p\u0159ed situacemi, kdy by si n\u011bkdo sjednal poji\u0161t\u011bn\u00ed a\u017e ve chv\u00edli, kdy u\u017e v\u00ed, \u017ee ud\u00e1lost brzy nastane \u2013 nap\u0159\u00edklad t\u011bsn\u011b p\u0159ed pl\u00e1novanou operac\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color has-link-color wp-elements-6411bc7d99a7d2df7d06775f5634cc1a\" id=\"htoc-p-klad-z-praxe\"><strong>P\u0159\u00edklad z praxe:<\/strong><\/h3>\n\n\n\n<p>Pokud uzav\u0159ete <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> v lednu a m\u00e1te v podm\u00ednk\u00e1ch \u010dekac\u00ed dobu 2 m\u011bs\u00edce pro pln\u011bn\u00ed p\u0159i hospitalizaci z d\u016fvodu nemoci, a v \u00fanoru skon\u010d\u00edte v nemocnici kv\u016fli z\u00e1palu plic, poji\u0161\u0165ovna pln\u011bn\u00ed vyplatit nemus\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-dlouh-b-v-ekac-doba-v-r\"><strong>Jak dlouh\u00e1 b\u00fdv\u00e1 \u010dekac\u00ed doba v \u010cR<\/strong><\/h2>\n\n\n\n<p>D\u00e9lka \u010dekac\u00ed doby se li\u0161\u00ed podle pojistn\u00e9ho rizika i poji\u0161\u0165ovny. Ov\u011b\u0159te si to v\u017edy rad\u011bji u va\u0161\u00ed poji\u0161\u0165ovny. V \u010cesk\u00e9 republice m\u00e1me b\u011b\u017en\u00e9 tyto intervaly:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-nemoc-2-m-s-ce-u-n-kter-poji-ovny-m-e-b-t-i-3-m-s-ce\"><strong>Nemoc<\/strong> \u2013 2 m\u011bs\u00edce<\/li>\n\n\n\n<li id=\"htoc-t-hotenstv-a-porod-zpravidla-8-m-s-c\"><strong>T\u011bhotenstv\u00ed a porod<\/strong> \u2013 zpravidla 8 m\u011bs\u00edc\u016f<\/li>\n\n\n\n<li id=\"htoc-n-kter-operace-2-m-s-ce-u-akutn-ch-infek-n-ch-onemocn-n-nebo-u-akutn-ch-ivotu-ohro-uj-c-ch-onemocn-n-kter-nastaly-po-datu-vyd-n-pojistky-je-poji-t-n-bez-ekac-doby-od-3-m-s-c-do-2-let\"><strong>N\u011bkter\u00e9 operace<\/strong> \u2013 2 m\u011bs\u00edce. U akutn\u00edch infek\u010dn\u00edch onemocn\u011bn\u00ed nebo u akutn\u00edch \u017eivotu ohro\u017euj\u00edc\u00edch onemocn\u011bn\u00ed, kter\u00e9 nastaly po datu vyd\u00e1n\u00ed pojistky je poji\u0161t\u011bn\u00ed bez \u010dekac\u00ed doby.<\/li>\n\n\n\n<li id=\"htoc-invalidita-z-d-vodu-nemoci-2-m-s-ce-u-n-kter-poji-ovny-m-e-b-t-bez-ekac-doby-nebo-i-3-m-s-ce\"><strong>Invalidita z d\u016fvodu nemoci<\/strong> \u2013 2 m\u011bs\u00edce (u n\u011bkter\u00e9 poji\u0161\u0165ovny \u010dekac\u00ed doby nenajdete v\u016fbec).<\/li>\n\n\n\n<li id=\"htoc-smrt-n-sledkem-nemoci-u-v-t-iny-poji-oven-se-ekac-doba-u-smrti-n-sledkem-nemoci-neuplat-uje-u-n-kter-ch-je-2-m-s-ce\"><strong>Smrt n\u00e1sledkem nemoci<\/strong> \u2013 u v\u011bt\u0161iny poji\u0161\u0165oven se \u010dekac\u00ed doba u smrti n\u00e1sledkem nemoci neuplat\u0148uje, u n\u011bkter\u00fdch je 2 m\u011bs\u00edce.<\/li>\n<\/ul>\n\n\n\n<p>Pro \u00farazy se standard neuplat\u0148uje \u2013 kryt\u00ed za\u010d\u00edn\u00e1 platit od data po\u010d\u00e1tku poji\u0161t\u011bn\u00ed, proto\u017ee \u00faraz je neo\u010dek\u00e1van\u00e1 ud\u00e1lost. Jedinou v\u00fdjimkou je sebevra\u017eda, kde n\u011bkter\u00e9 poji\u0161\u0165ovny uplat\u0148uj\u00ed 1 rok a n\u011bkter\u00e9 2 roky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-dlouh-b-v-ekac-doba-v-r1\"><strong>Konkr\u00e9tn\u00ed \u010dekac\u00ed doby u jednotliv\u00fdch rizik a jejich p\u0159eb\u00edr\u00e1n\u00ed od jin\u00fdch poji\u0161\u0165oven<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_1-1.png\" alt=\"\u010cekac\u00ed doby poji\u0161\u0165oven 1\" class=\"wp-image-2645\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_1-1.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_1-1-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_1-1-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_2-1.png\" alt=\"\u010cekac\u00ed doby poji\u0161\u0165oven 2\" class=\"wp-image-2646\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_2-1.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_2-1-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_2-1-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_3-1.png\" alt=\"\u010cekac\u00ed doby poji\u0161\u0165oven 3\" class=\"wp-image-2648\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_3-1.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_3-1-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_3-1-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-pro-poji-ovny-ekac-doby-zav-d-j\"><strong>Pro\u010d poji\u0161\u0165ovny \u010dekac\u00ed doby zav\u00e1d\u011bj\u00ed<\/strong><\/h2>\n\n\n\n<p>\u010cekac\u00ed doba funguje jako <strong>bezpe\u010dnostn\u00ed z\u00e1mek<\/strong> \u2013 chr\u00e1n\u00ed poji\u0161\u0165ovnu p\u0159ed tzv. pojistn\u00fdm podvodem, kdy by si lid\u00e9 sjedn\u00e1vali poji\u0161t\u011bn\u00ed a\u017e ve chv\u00edli, kdy u\u017e v\u011bd\u00ed o bl\u00ed\u017e\u00edc\u00ed se ud\u00e1losti. Z\u00e1rove\u0148 pom\u00e1h\u00e1 dr\u017eet pojistn\u00e9 v rozumn\u00fdch \u010d\u00e1stk\u00e1ch pro v\u0161echny klienty.<\/p>\n\n\n\n<p>Je to podobn\u00e9, jako kdy\u017e si po\u0159\u00edd\u00edte z\u00e1lohov\u00fd fond na opravy domu \u2013 nejde z n\u011bj \u010derpat hned po zaplacen\u00ed prvn\u00ed stokoruny, proto\u017ee by se fond rychle vy\u010derpal a pro ostatn\u00ed by nic nezbylo.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\u2602\ufe0f V\u00edte, \u017ee si m\u016f\u017eete uzav\u0159\u00edt <a href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-bez-zkoumani-zdravotniho-stavu\/\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed i bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu<\/a>?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-se-ekac-doba-po-t\"><strong>Jak se \u010dekac\u00ed doba po\u010d\u00edt\u00e1<\/strong><\/h2>\n\n\n\n<p>V\u011bt\u0161inou se po\u010d\u00edt\u00e1 od data po\u010d\u00e1tku poji\u0161t\u011bn\u00ed uveden\u00e9ho ve smlouv\u011b. Pokud se b\u011bhem n\u00ed stane pojistn\u00e1 ud\u00e1lost, poji\u0161\u0165ovna ji neproplat\u00ed \u2013 i kdy\u017e ji nahl\u00e1s\u00edte a\u017e po skon\u010den\u00ed \u010dekac\u00ed doby.<\/p>\n\n\n\n<p>N\u011bkter\u00e9 poji\u0161\u0165ovny p\u0159eb\u00edraj\u00ed \u010dekac\u00ed doby, pokud p\u0159ech\u00e1z\u00edte z jin\u00e9 poji\u0161\u0165ovny a dolo\u017e\u00edte, \u017ee jste byli nep\u0159etr\u017eit\u011b poji\u0161t\u011bni. V\u011bt\u0161inou se to t\u00fdk\u00e1 vybran\u00fdch rizik.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/zp\/version1\" frameborder=\"0\" allowfullscreen=\"\" style=\"box-shadow: 0 0 10px gray; margin: 10px; max-width:100%\" width=\"740\" height=\"650\" scrolling=\"1\" name=\"banner1\" id=\"banner1\" affiliate=123456><\/iframe>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-na-co-si-d-t-pozor-p-ed-podpisem-smlouvy\"><strong>Na co si d\u00e1t pozor p\u0159ed podpisem smlouvy<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li id=\"htoc-t-te-pojistn-podm-nky-informace-o-ekac-dob-b-vaj-uvedeny-v-hlavn-m-textu-nebo-v-dodatc-ch\"><strong>\u010ct\u011bte pojistn\u00e9 podm\u00ednky<\/strong> \u2013 informace o \u010dekac\u00ed dob\u011b b\u00fdvaj\u00ed uvedeny v hlavn\u00edm textu nebo v dodatc\u00edch.<\/li>\n\n\n\n<li id=\"htoc-porovnejte-v-ce-nab-dek-d-lky-ekac-ch-dob-se-mohou-li-it\"><strong>Porovnejte v\u00edce nab\u00eddek<\/strong> \u2013 d\u00e9lky \u010dekac\u00edch dob se mohou li\u0161it.<\/li>\n\n\n\n<li id=\"htoc-pozor-na-specifick-diagn-zy-u-n-kter-ch-poji-oven-m-e-b-t-tak-uplatn-na-ekac-doba-i-na-l-bu-z-vislosti-i-na-o-et-en-zub-zhotoven-zubn-ch-n-hrad-nebo-proveden-kon-elistn-chirurgie\"><strong>Pozor na specifick\u00e9 diagn\u00f3zy<\/strong> \u2013 u n\u011bkter\u00fdch poji\u0161\u0165oven m\u016f\u017ee b\u00fdt tak\u00e9 uplatn\u011bna \u010dekac\u00ed doba i na l\u00e9\u010dbu z\u00e1vislosti \u010di na o\u0161et\u0159en\u00ed zub\u016f, zhotoven\u00ed zubn\u00edch n\u00e1hrad nebo proveden\u00ed \u00fakon\u016f \u010delistn\u00ed chirurgie.<\/li>\n\n\n\n<li id=\"htoc-zeptejte-se-na-v-jimky-zjist-te-zda-je-mo-n-ekac-dobu-obej-t-dolo-en-m-p-edchoz-ho-poji-t-n\"><strong>Zeptejte se na v\u00fdjimky<\/strong> \u2013 zjist\u011bte, zda je mo\u017en\u00e9 \u010dekac\u00ed dobu obej\u00edt dolo\u017een\u00edm p\u0159edchoz\u00edho poji\u0161t\u011bn\u00ed.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-v-hody-a-nev-hody-ekac-doby\"><strong>V\u00fdhody a nev\u00fdhody \u010dekac\u00ed doby<\/strong><\/h2>\n\n\n\n<p><strong>V\u00fdhody:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-udr-uje-pojistn-na-dostupn-rovni\">Udr\u017euje pojistn\u00e9 na dostupn\u00e9 \u00farovni<\/li>\n\n\n\n<li id=\"htoc-chr-n-poctiv-klienty-p-ed-zv-en-m-cen-kv-li-podvod-m\">Chr\u00e1n\u00ed poctiv\u00e9 klienty p\u0159ed zv\u00fd\u0161en\u00edm cen kv\u016fli podvod\u016fm<\/li>\n<\/ul>\n\n\n\n<p><strong>Nev\u00fdhody:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-kryt-neza-ne-okam-it\">Kryt\u00ed neza\u010dne okam\u017eit\u011b<\/li>\n\n\n\n<li id=\"htoc-m-e-p-ekvapit-pokud-si-podm-nky-neprostudujete-p-edem\">M\u016f\u017ee p\u0159ekvapit, pokud si podm\u00ednky neprostudujete p\u0159edem<\/li>\n<\/ul>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udc49 <a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-dlouhodobe-pece\/\">Co je <strong>poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de<\/strong><\/a>?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-ekac-doba-nen-past\"><strong>\u010cekac\u00ed doba nen\u00ed past<\/strong><\/h2>\n\n\n\n<p>\u010cekac\u00ed doba u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed nen\u00ed \u201epast\u201c, ale sp\u00ed\u0161e pojistn\u00e1 brzda, kter\u00e1 chr\u00e1n\u00ed poji\u0161\u0165ovnu i klienty p\u0159ed zneu\u017eit\u00edm syst\u00e9mu. Pokud v\u00edte, co znamen\u00e1 a jak dlouho trv\u00e1, m\u016f\u017eete si poji\u0161t\u011bn\u00ed sjednat s realistick\u00fdmi o\u010dek\u00e1v\u00e1n\u00edmi a bez nep\u0159\u00edjemn\u00fdch p\u0159ekvapen\u00ed.<\/p>\n\n\n\n<p>Pokud chcete zjistit, jakou \u010dekac\u00ed dobu nab\u00edz\u00ed konkr\u00e9tn\u00ed poji\u0161\u0165ovny a jak ji nejl\u00e9pe nastavit podle va\u0161\u00ed \u017eivotn\u00ed situace, je nejlep\u0161\u00ed obr\u00e1tit se na <strong>na\u0161eho <a href=\"https:\/\/www.fingo.cz\/kontakty\">finan\u010dn\u00edho poradce<\/a><\/strong>, kter\u00fd v\u00e1m pom\u016f\u017ee vybrat optim\u00e1ln\u00ed \u0159e\u0161en\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mo\u017en\u00e1 u\u017e m\u00e1te jasno, \u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je pro v\u00e1s d\u016fle\u017eit\u00fdm finan\u010dn\u00edm z\u00e1chrann\u00fdm p\u00e1sem. Ale v\u00edte, \u017ee i kdy\u017e si poji\u0161t\u011bn\u00ed sjedn\u00e1te dnes, ne v\u017edy jste poji\u0161t\u011bni \u201eod z\u00edt\u0159ka\u201c? Mnoho lid\u00ed je p\u0159ekvapeno, kdy\u017e naraz\u00ed na pojem \u010dekac\u00ed doba \u2013 a teprve tehdy zjist\u00ed, co to v praxi znamen\u00e1. Co je \u010dekac\u00ed doba \u010cekac\u00ed doba (anglicky \u201ewaiting period\u201c) je obdob\u00ed po za\u010d\u00e1tku poji\u0161t\u011bn\u00ed, b\u011bhem kter\u00e9ho nem\u00e1te n\u00e1rok na pln\u011bn\u00ed z ur\u010dit\u00fdch pojistn\u00fdch rizik, i kdy\u017e plat\u00edte pojistn\u00e9. Poji\u0161\u0165ovna tak chr\u00e1n\u00ed sebe i poctiv\u00e9 klienty p\u0159ed situacemi, kdy by si n\u011bkdo sjednal poji\u0161t\u011bn\u00ed a\u017e ve chv\u00edli, kdy u\u017e v\u00ed, \u017ee ud\u00e1lost brzy nastane \u2013 nap\u0159\u00edklad t\u011bsn\u011b p\u0159ed pl\u00e1novanou operac\u00ed. P\u0159\u00edklad z praxe: Pokud uzav\u0159ete \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v lednu a m\u00e1te v podm\u00ednk\u00e1ch \u010dekac\u00ed dobu 2 m\u011bs\u00edce pro pln\u011bn\u00ed p\u0159i hospitalizaci z d\u016fvodu nemoci, a v \u00fanoru skon\u010d\u00edte v nemocnici kv\u016fli z\u00e1palu plic, poji\u0161\u0165ovna pln\u011bn\u00ed vyplatit nemus\u00ed. Jak dlouh\u00e1 b\u00fdv\u00e1 \u010dekac\u00ed doba v \u010cR D\u00e9lka \u010dekac\u00ed doby se li\u0161\u00ed podle pojistn\u00e9ho rizika i poji\u0161\u0165ovny. Ov\u011b\u0159te si to v\u017edy rad\u011bji u va\u0161\u00ed poji\u0161\u0165ovny. V \u010cesk\u00e9 republice m\u00e1me b\u011b\u017en\u00e9 tyto intervaly: Pro \u00farazy se standard neuplat\u0148uje \u2013 kryt\u00ed za\u010d\u00edn\u00e1 platit od data po\u010d\u00e1tku poji\u0161t\u011bn\u00ed, proto\u017ee \u00faraz je neo\u010dek\u00e1van\u00e1 ud\u00e1lost. Jedinou v\u00fdjimkou je sebevra\u017eda, kde [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":2633,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[176,28,18,27],"class_list":["post-2631","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni","tag-cekaci-doba","tag-petr-motacek","tag-pojisteni","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>\u010cekac\u00ed doba v \u017eivotn\u00ed poji\u0161t\u011bn\u00ed - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"\u010cekac\u00ed doba u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed \u2013 co znamen\u00e1, jak dlouho trv\u00e1 a pro\u010d ji poji\u0161\u0165ovny zav\u00e1d\u011bj\u00ed. Na co si d\u00e1t pozor p\u0159ed podpisem smlouvy.\" \/>\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\/cekaci-doba-v-zivotni-pojisteni\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u010cekac\u00ed doba v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed: co byste m\u011bli v\u011bd\u011bt p\u0159ed podpisem smlouvy\" \/>\n<meta property=\"og:description\" content=\"\u010cekac\u00ed doba u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed \u2013 co znamen\u00e1, jak dlouho trv\u00e1 a pro\u010d ji poji\u0161\u0165ovny zav\u00e1d\u011bj\u00ed. Na co si d\u00e1t pozor p\u0159ed podpisem smlouvy.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/\" \/>\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=\"2025-08-21T11:58:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-05T12:14:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_zivotka.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1344\" \/>\n\t<meta property=\"og:image:height\" content=\"896\" \/>\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=\"5 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/cekaci-doba-v-zivotni-pojisteni\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/cekaci-doba-v-zivotni-pojisteni\\\/\"},\"author\":{\"name\":\"Petr Mot\u00e1\u010dek\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/035cef351139d345354ad2b6e41a039a\"},\"headline\":\"\u010cekac\u00ed doba v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed: co byste m\u011bli v\u011bd\u011bt p\u0159ed podpisem smlouvy\",\"datePublished\":\"2025-08-21T11:58:55+00:00\",\"dateModified\":\"2025-11-05T12:14:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/cekaci-doba-v-zivotni-pojisteni\\\/\"},\"wordCount\":984,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/cekaci-doba-v-zivotni-pojisteni\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/cekaci_doby_zivotka.png\",\"keywords\":[\"\u010dekac\u00ed doba\",\"Petr Mot\u00e1\u010dek\",\"poji\u0161t\u011bn\u00ed\",\"\u017eivotn\u00ed poji\u0161t\u011bn\u00ed\"],\"articleSection\":[\"\u017divotn\u00ed poji\u0161t\u011bn\u00ed\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/cekaci-doba-v-zivotni-pojisteni\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/cekaci-doba-v-zivotni-pojisteni\\\/\",\"name\":\"\u010cekac\u00ed doba v \u017eivotn\u00ed poji\u0161t\u011bn\u00ed - Blog FinGO.cz\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/cekaci-doba-v-zivotni-pojisteni\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/cekaci-doba-v-zivotni-pojisteni\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/cekaci_doby_zivotka.png\",\"datePublished\":\"2025-08-21T11:58:55+00:00\",\"dateModified\":\"2025-11-05T12:14:44+00:00\",\"description\":\"\u010cekac\u00ed doba u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed \u2013 co znamen\u00e1, jak dlouho trv\u00e1 a pro\u010d ji poji\u0161\u0165ovny zav\u00e1d\u011bj\u00ed. Na co si d\u00e1t pozor p\u0159ed podpisem smlouvy.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/cekaci-doba-v-zivotni-pojisteni\\\/#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/cekaci-doba-v-zivotni-pojisteni\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/cekaci-doba-v-zivotni-pojisteni\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/cekaci_doby_zivotka.png\",\"contentUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/cekaci_doby_zivotka.png\",\"width\":1344,\"height\":896,\"caption\":\"\u010cekac\u00ed doba u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/cekaci-doba-v-zivotni-pojisteni\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Dom\u016f\",\"item\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u010cekac\u00ed doba v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed: co byste m\u011bli v\u011bd\u011bt p\u0159ed podpisem smlouvy\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/\",\"name\":\"Blog FinGO.cz\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"cs\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\",\"name\":\"Fingo.cz\",\"alternateName\":\"Nez\u00e1visl\u00e9 finan\u010dn\u00ed slu\u017eby - Fingo.cz\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/logo.png\",\"contentUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/logo.png\",\"width\":300,\"height\":118,\"caption\":\"Fingo.cz\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/fingo.cz\\\/\",\"https:\\\/\\\/x.com\\\/fingocz\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCGwO0jxau7AaMq0gKUcCh7A\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/fingo-cz\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/035cef351139d345354ad2b6e41a039a\",\"name\":\"Petr Mot\u00e1\u010dek\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0c1f7179fbfd6831e9bbb18c57c751e64fad3820532053271f23a18814470189?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0c1f7179fbfd6831e9bbb18c57c751e64fad3820532053271f23a18814470189?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/0c1f7179fbfd6831e9bbb18c57c751e64fad3820532053271f23a18814470189?s=96&d=mm&r=g\",\"caption\":\"Petr Mot\u00e1\u010dek\"},\"description\":\"Po 14 letech str\u00e1ven\u00fdch v bankovn\u00edm sektoru, kde si vybudoval rozs\u00e1hl\u00e9 znalosti jako osobn\u00ed a pozd\u011bji i priv\u00e1tn\u00ed bank\u00e9\u0159, z\u00edskal cenn\u00e9 zku\u0161enosti z r\u016fzn\u00fdch oblast\u00ed finan\u010dn\u00edho trhu. Pracoval s bonitn\u00ed klientelou a zam\u011b\u0159oval se nejen na \u00fa\u010dty a \u00fav\u011bry, ale tak\u00e9 na pojistn\u00e9 produkty. D\u00edky t\u00e9to praxi se stal odborn\u00edkem na finan\u010dn\u00ed produkty, co\u017e n\u00e1sledn\u011b z\u00faro\u010dil v roli metodika a analytika ve finan\u010dn\u00edm poradenstv\u00ed, kde prohloubil sv\u00e9 v\u011bdomosti. Ve FinGO.cz p\u016fsob\u00ed jako Senior specialista pro spot\u0159ebitelsk\u00e9 \u00fav\u011bry a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Kdy\u017e zrovna nepracuje, tr\u00e1v\u00ed voln\u00fd \u010das sportem, zejm\u00e9na fotbalem, tenisem nebo cyklistikou, kter\u00e9 jsou jeho velkou v\u00e1\u0161n\u00ed.\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/author\\\/petr-motacek\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u010cekac\u00ed doba v \u017eivotn\u00ed poji\u0161t\u011bn\u00ed - Blog FinGO.cz","description":"\u010cekac\u00ed doba u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed \u2013 co znamen\u00e1, jak dlouho trv\u00e1 a pro\u010d ji poji\u0161\u0165ovny zav\u00e1d\u011bj\u00ed. Na co si d\u00e1t pozor p\u0159ed podpisem smlouvy.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/","og_locale":"cs_CZ","og_type":"article","og_title":"\u010cekac\u00ed doba v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed: co byste m\u011bli v\u011bd\u011bt p\u0159ed podpisem smlouvy","og_description":"\u010cekac\u00ed doba u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed \u2013 co znamen\u00e1, jak dlouho trv\u00e1 a pro\u010d ji poji\u0161\u0165ovny zav\u00e1d\u011bj\u00ed. Na co si d\u00e1t pozor p\u0159ed podpisem smlouvy.","og_url":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/","og_site_name":"Blog FinGO.cz","article_publisher":"https:\/\/www.facebook.com\/fingo.cz\/","article_published_time":"2025-08-21T11:58:55+00:00","article_modified_time":"2025-11-05T12:14:44+00:00","og_image":[{"width":1344,"height":896,"url":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_zivotka.png","type":"image\/png"}],"author":"Petr Mot\u00e1\u010dek","twitter_card":"summary_large_image","twitter_creator":"@fingocz","twitter_site":"@fingocz","twitter_misc":{"Napsal(a)":"Petr Mot\u00e1\u010dek","Odhadovan\u00e1 doba \u010dten\u00ed":"5 minut"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/#article","isPartOf":{"@id":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/"},"author":{"name":"Petr Mot\u00e1\u010dek","@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/person\/035cef351139d345354ad2b6e41a039a"},"headline":"\u010cekac\u00ed doba v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed: co byste m\u011bli v\u011bd\u011bt p\u0159ed podpisem smlouvy","datePublished":"2025-08-21T11:58:55+00:00","dateModified":"2025-11-05T12:14:44+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/"},"wordCount":984,"publisher":{"@id":"https:\/\/www.fingo.cz\/blog\/#organization"},"image":{"@id":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_zivotka.png","keywords":["\u010dekac\u00ed doba","Petr Mot\u00e1\u010dek","poji\u0161t\u011bn\u00ed","\u017eivotn\u00ed poji\u0161t\u011bn\u00ed"],"articleSection":["\u017divotn\u00ed poji\u0161t\u011bn\u00ed"],"inLanguage":"cs"},{"@type":"WebPage","@id":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/","url":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/","name":"\u010cekac\u00ed doba v \u017eivotn\u00ed poji\u0161t\u011bn\u00ed - Blog FinGO.cz","isPartOf":{"@id":"https:\/\/www.fingo.cz\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/#primaryimage"},"image":{"@id":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_zivotka.png","datePublished":"2025-08-21T11:58:55+00:00","dateModified":"2025-11-05T12:14:44+00:00","description":"\u010cekac\u00ed doba u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed \u2013 co znamen\u00e1, jak dlouho trv\u00e1 a pro\u010d ji poji\u0161\u0165ovny zav\u00e1d\u011bj\u00ed. Na co si d\u00e1t pozor p\u0159ed podpisem smlouvy.","breadcrumb":{"@id":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/"]}]},{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/#primaryimage","url":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_zivotka.png","contentUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/08\/cekaci_doby_zivotka.png","width":1344,"height":896,"caption":"\u010cekac\u00ed doba u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed"},{"@type":"BreadcrumbList","@id":"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Dom\u016f","item":"https:\/\/www.fingo.cz\/blog\/"},{"@type":"ListItem","position":2,"name":"\u010cekac\u00ed doba v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed: co byste m\u011bli v\u011bd\u011bt p\u0159ed podpisem smlouvy"}]},{"@type":"WebSite","@id":"https:\/\/www.fingo.cz\/blog\/#website","url":"https:\/\/www.fingo.cz\/blog\/","name":"Blog FinGO.cz","description":"","publisher":{"@id":"https:\/\/www.fingo.cz\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fingo.cz\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"cs"},{"@type":"Organization","@id":"https:\/\/www.fingo.cz\/blog\/#organization","name":"Fingo.cz","alternateName":"Nez\u00e1visl\u00e9 finan\u010dn\u00ed slu\u017eby - Fingo.cz","url":"https:\/\/www.fingo.cz\/blog\/","logo":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/logo.png","contentUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/logo.png","width":300,"height":118,"caption":"Fingo.cz"},"image":{"@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/fingo.cz\/","https:\/\/x.com\/fingocz","https:\/\/www.youtube.com\/channel\/UCGwO0jxau7AaMq0gKUcCh7A","https:\/\/www.linkedin.com\/company\/fingo-cz\/"]},{"@type":"Person","@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/person\/035cef351139d345354ad2b6e41a039a","name":"Petr Mot\u00e1\u010dek","image":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/secure.gravatar.com\/avatar\/0c1f7179fbfd6831e9bbb18c57c751e64fad3820532053271f23a18814470189?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0c1f7179fbfd6831e9bbb18c57c751e64fad3820532053271f23a18814470189?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0c1f7179fbfd6831e9bbb18c57c751e64fad3820532053271f23a18814470189?s=96&d=mm&r=g","caption":"Petr Mot\u00e1\u010dek"},"description":"Po 14 letech str\u00e1ven\u00fdch v bankovn\u00edm sektoru, kde si vybudoval rozs\u00e1hl\u00e9 znalosti jako osobn\u00ed a pozd\u011bji i priv\u00e1tn\u00ed bank\u00e9\u0159, z\u00edskal cenn\u00e9 zku\u0161enosti z r\u016fzn\u00fdch oblast\u00ed finan\u010dn\u00edho trhu. Pracoval s bonitn\u00ed klientelou a zam\u011b\u0159oval se nejen na \u00fa\u010dty a \u00fav\u011bry, ale tak\u00e9 na pojistn\u00e9 produkty. D\u00edky t\u00e9to praxi se stal odborn\u00edkem na finan\u010dn\u00ed produkty, co\u017e n\u00e1sledn\u011b z\u00faro\u010dil v roli metodika a analytika ve finan\u010dn\u00edm poradenstv\u00ed, kde prohloubil sv\u00e9 v\u011bdomosti. Ve FinGO.cz p\u016fsob\u00ed jako Senior specialista pro spot\u0159ebitelsk\u00e9 \u00fav\u011bry a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Kdy\u017e zrovna nepracuje, tr\u00e1v\u00ed voln\u00fd \u010das sportem, zejm\u00e9na fotbalem, tenisem nebo cyklistikou, kter\u00e9 jsou jeho velkou v\u00e1\u0161n\u00ed.","url":"https:\/\/www.fingo.cz\/blog\/author\/petr-motacek\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts\/2631","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/comments?post=2631"}],"version-history":[{"count":10,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts\/2631\/revisions"}],"predecessor-version":[{"id":2727,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts\/2631\/revisions\/2727"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/media\/2633"}],"wp:attachment":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2631"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2631"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2631"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}