{"id":410,"date":"2022-03-16T08:31:00","date_gmt":"2022-03-16T08:31:00","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=410"},"modified":"2022-05-11T12:20:30","modified_gmt":"2022-05-11T12:20:30","slug":"vypoved-zivotniho-pojisteni","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/vypoved-zivotniho-pojisteni\/","title":{"rendered":"Co s \u017eivotn\u00ed pojistkou v dob\u011b sn\u00ed\u017een\u00e9ho p\u0159\u00edjmu"},"content":{"rendered":"\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed si sjedn\u00e1v\u00e1me, aby chr\u00e1nilo n\u00e1s i na\u0161i rodinu v p\u0159\u00edpad\u011b ne\u010dekan\u00fdch ud\u00e1lost\u00ed. N\u011bkdy pro n\u00e1s ale m\u016f\u017eou pravideln\u00e9 odvody p\u0159edstavovat v\u011bt\u0161\u00ed probl\u00e9my ne\u017e jindy. A tehdy n\u011bkte\u0159\u00ed za\u010dnou p\u0159em\u00fd\u0161let o zru\u0161en\u00ed \u017eivotn\u00ed pojistky. Jak v\u00fdpov\u011b\u010f prob\u00edh\u00e1, jak\u00e1 \u00faskal\u00ed s sebou nese a jak\u00e9 jsou alternativy?<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc is-style-rounded htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co v \u010dl\u00e1nku najdete<\/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=\"#jak-vypovedet-zivotni-pojisteni\">Jak vypov\u011bd\u011bt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#muzete-zivotni-pojisteni-misto-vypovedi-proste-nezaplatit\">M\u016f\u017eete \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u00edsto v\u00fdpov\u011bdi prost\u011b nezaplatit?<\/a><\/li><li class=\"\"><a href=\"#je-treba-zaslat-vypoved-v-pripade-umrti-pojistene-osoby\">Je t\u0159eba zaslat v\u00fdpov\u011b\u010f v p\u0159\u00edpad\u011b \u00famrt\u00ed poji\u0161t\u011bn\u00e9 osoby?<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#uskali-vypovedi-zivotniho-pojisteni\">\u00daskal\u00ed v\u00fdpov\u011bdi \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#pri-zruseni-rezervotvorne-pojistky-ziskate-pouze-odbytne\">P\u0159i zru\u0161en\u00ed rezervotvorn\u00e9 pojistky z\u00edsk\u00e1te pouze odbytn\u00e9<\/a><\/li><li class=\"\"><a href=\"#podminky-pro-danove-odpocty\">Podm\u00ednky pro da\u0148ov\u00e9 odpo\u010dty<\/a><\/li><li class=\"\"><a href=\"#podminky-nove-smlouvy\">Podm\u00ednky nov\u00e9 smlouvy<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#co-udelat-s-drahou-zivotni-pojistkou-misto-vypovedi\">Co ud\u011blat s drahou \u017eivotn\u00ed pojistkou m\u00edsto v\u00fdpov\u011bdi<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#snizeni-pojistne-castky-na-minimum\">Sn\u00ed\u017een\u00ed pojistn\u00e9 \u010d\u00e1stky na minimum<\/a><\/li><li class=\"\"><a href=\"#uspani-pojistky\">Usp\u00e1n\u00ed pojistky<\/a><\/li><li class=\"\"><a href=\"#preruseni-placeni-pojistky\">P\u0159eru\u0161en\u00ed placen\u00ed pojistky<\/a><\/li><li class=\"\"><a href=\"#prevedeni-smlouvy-ke-konkurenci\">P\u0159eveden\u00ed smlouvy ke konkurenci<\/a><\/li><li class=\"\"><a href=\"#doziti-smlouvy\">Do\u017eit\u00ed smlouvy<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#prvni-krok-pri-potizich-s-platbami\">Prvn\u00ed krok p\u0159i pot\u00ed\u017e\u00edch s platbami<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-vypovedet-zivotni-pojisteni\">Jak vypov\u011bd\u011bt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p>Pokud se definitivn\u011b rozhodnete pro zru\u0161en\u00ed \u017eivotn\u00ed pojistky, z\u00e1sadn\u00ed pro v\u00e1s bude pohl\u00eddat si <strong>term\u00edn, ve kter\u00e9m byste m\u011bli v\u00fdpov\u011b\u010f podat<\/strong>.<\/p>\n\n\n\n<p>Pokud o sv\u00e9 pojistce za\u010dnete pochybovat v prvn\u00edch dvou m\u011bs\u00edc\u00edch od uzav\u0159en\u00ed smlouvy, m\u016f\u017eete ji vypov\u011bd\u011bt s osmidenn\u00ed v\u00fdpov\u011bdn\u00ed lh\u016ftou a p\u0159\u00edpadn\u00fdm poplatkem, proces je jednoduch\u00fd.<\/p>\n\n\n\n<p>V\u011bt\u0161\u00ed pozor si budete muset d\u00e1t, pokud u\u017e smlouva b\u011b\u017e\u00ed del\u0161\u00ed dobu. A\u010dkoli v\u00fdpov\u011b\u010f m\u016f\u017eete zaslat kdykoli, po\u010d\u00edtejte \u017ee mus\u00ed b\u00fdt <strong>doru\u010dena alespo\u0148 6 t\u00fddn\u016f p\u0159ed koncem pojistn\u00e9ho obdob\u00ed<\/strong>. Pokud v\u00fdpov\u011b\u010f po\u0161lete m\u00e9n\u011b ne\u017e \u0161est t\u00fddn\u016f p\u0159ed koncem poji\u0161\u0165ovac\u00edho obdob\u00ed, poji\u0161\u0165ovna od v\u00e1s m\u016f\u017ee po\u017eadovat dal\u0161\u00ed platbu.<\/p>\n\n\n\n<p>D\u016fle\u017eit\u00e9 je, \u017ee v\u00fdpov\u011b\u010f je obvykle akceptov\u00e1na pouze v p\u00edsemn\u00e9 podob\u011b prost\u0159ednictv\u00edm formul\u00e1\u0159e, kter\u00fd najdete na str\u00e1nk\u00e1ch poji\u0161\u0165ovny. V\u00fdpov\u011b\u010f obvykle m\u016f\u017eete vy\u0159\u00eddit prost\u0159ednictv\u00edm po\u0161ty, na pobo\u010dce a n\u011bkdy tak\u00e9 e-mailem.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Poji\u0161\u0165ovna<\/strong><\/td><td><strong>Formul\u00e1\u0159 v\u00fdpov\u011bdi<\/strong><\/td><td><strong>Forma v\u00fdpov\u011bdi<\/strong><\/td><td><strong>Kontakt na infolinku<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\/allianz-pojistovna-a-s\/zivot\" target=\"_blank\" rel=\"noreferrer noopener\">Allianz<\/a><\/td><td><a href=\"https:\/\/www.allianz.cz\/public\/d\/6\/7d\/40996_134655_vzor_vypovedi_v2.doc\" target=\"_blank\" rel=\"noreferrer noopener\">Vzor v\u00fdpov\u011bdi<\/a><\/td><td><a href=\"https:\/\/online.allianz.cz\/en\/chci-vedet-vice\/nejcastejsi-otazky-a-odpovedi\/pojisteni-auta\/jak-podat-zadost-o-ukonceni.html?gclid=CjwKCAiAl-6PBhBCEiwAc2GOVFBvgQJdN6fhAwSaZN3sbAQL4AOMFKuXZUo991ynh5SYIXQJzoHKExoCiKAQAvD_BwE\" target=\"_blank\" rel=\"noreferrer noopener\">Informace na str\u00e1nce<\/a><\/td><td>+420 241 170 000<\/td><\/tr><tr><td><a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\/generali-pojistovna-a-s\/bel-mondo\" target=\"_blank\" rel=\"noreferrer noopener\">Generali<\/a><\/td><td>Bez vzoru<\/td><td><a href=\"https:\/\/www.generaliceska.cz\/ukoncit-pojisteni#zivot\" target=\"_blank\" rel=\"noreferrer noopener\">Informace na str\u00e1nce<\/a><\/td><td>+420 241 114 114<\/td><\/tr><tr><td><a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\/metlife-inc\/garde\" target=\"_blank\" rel=\"noreferrer noopener\">MetLife<\/a><\/td><td><a href=\"https:\/\/www.metlife.cz\/content\/dam\/metlifecom\/cz\/ke-stazeni\/obecne-formulare-ke-stazeni\/zadosti-pro-individualni-pojisteni\/2021_08_formular_k_ukonceni_pojistne_smlouvy_FO_vepisovatelny_2.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Formul\u00e1\u0159 v\u00fdpov\u011bdi<\/a><\/td><td><a href=\"https:\/\/www.metlife.cz\/pro-klienty\/ke-stazeni\/zpusoby-ukonceni-pojistne-smlouvy\/\" target=\"_blank\" rel=\"noreferrer noopener\">Informace na str\u00e1nce<\/a><\/td><td>+420 227 111 000<\/td><\/tr><tr><td><a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\/kooperativa-pojistovna-a-s-vienna-insurance-group\/flexi-risk\" target=\"_blank\" rel=\"noreferrer noopener\">Kooperativa<\/a><\/td><td><a href=\"https:\/\/www.koop.cz\/file\/edee\/dokumenty\/formulare\/zmeny-dokonceni-ukonceni-pojistne-smlouvy\/31_Zp-101_ukonceni_smlouvy.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Formul\u00e1\u0159 v\u00fdpov\u011bdi<\/a><\/td><td><a href=\"https:\/\/www.koop.cz\/navody-a-dokumenty\/nejcastejsi-dotazy\/zivotni-pojisteni\/co-delat-kdyz-chci-ukoncit-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\">Informace na str\u00e1nce<\/a><\/td><td>+420 957 105 105<\/td><\/tr><tr><td><a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\/komercni-pojistovna-a-s\/elan\" target=\"_blank\" rel=\"noreferrer noopener\">Komer\u010dn\u00ed poji\u0161\u0165ovna<\/a><\/td><td><\/td><td><\/td><td>+420 800 106 610<\/td><\/tr><tr><td><a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\/maxima-pojistovna-a-s\/maxefekt\" target=\"_blank\" rel=\"noreferrer noopener\">Maxima<\/a><\/td><td><a href=\"https:\/\/www.maximapojistovna.cz\/sites\/default\/files\/2019-02\/zadost_o_ukonceni_ps_maxdomov.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Formul\u00e1\u0159 v\u00fdpov\u011bdi<\/a><\/td><td><\/td><td>+420 273 190 400<\/td><\/tr><tr><td><a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\/nn-zivotni-pojistovna\/orange-risk\" target=\"_blank\" rel=\"noreferrer noopener\">NN<\/a><\/td><td><a href=\"https:\/\/www.nn.cz\/files\/archiv\/cz-nnblue\/formulare\/663641.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Formul\u00e1\u0159 v\u00fdpov\u011bdi<\/a><\/td><td><a href=\"https:\/\/www.nn.cz\/poradna\/ukonceni-smlouvy\/#\/clanek\/poradna\/jak-zivotni-pojisteni\/zivotni-pojisteni-uver.html\" target=\"_blank\" rel=\"noreferrer noopener\">Informace na str\u00e1nce<\/a><\/td><td>+420 244 090 800<\/td><\/tr><\/tbody><\/table><figcaption>P\u0159ehled formul\u00e1\u0159\u016f a vzor\u016f k v\u00fdpov\u011bdi \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"muzete-zivotni-pojisteni-misto-vypovedi-proste-nezaplatit\">M\u016f\u017eete \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u00edsto v\u00fdpov\u011bdi prost\u011b nezaplatit?<\/h3>\n\n\n\n<p>Pokud platbu za sv\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nezaplat\u00edte a nebudete reagovat ani na upom\u00ednku ze strany poji\u0161\u0165ovny, poji\u0161\u0165ovna va\u0161e poji\u0161t\u011bn\u00ed <strong>ukon\u010d\u00ed<\/strong>. Nad\u00e1le po v\u00e1s ale m\u016f\u017ee vym\u00e1hat <strong>dlu\u017enou \u010d\u00e1stku<\/strong> za nezaplacen\u00e9 pojistn\u00e9 a\u017e k datu ukon\u010den\u00ed smlouvy, co\u017e m\u016f\u017ee trvat n\u011bkolik m\u011bs\u00edc\u016f. V t\u00e9 dob\u011b budete st\u00e1le na sjednan\u00e1 rizika poji\u0161t\u011bn. Krom\u011b toho u neuhrazen\u00e9 platby za\u010dnou naskakovat tak\u00e9 poplatky za jej\u00ed vym\u00e1h\u00e1n\u00ed. Tento postup tedy rozhodn\u011b nedoporu\u010dujeme.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"je-treba-zaslat-vypoved-v-pripade-umrti-pojistene-osoby\">Je t\u0159eba zaslat v\u00fdpov\u011b\u010f v p\u0159\u00edpad\u011b \u00famrt\u00ed poji\u0161t\u011bn\u00e9 osoby?<\/h3>\n\n\n\n<p>Nikoli. V p\u0159\u00edpad\u011b \u00famrt\u00ed poji\u0161t\u011bn\u00e9 osoby poji\u0161t\u011bn\u00ed zanik\u00e1 automaticky a doch\u00e1z\u00ed k v\u00fdplat\u011b pojistn\u00e9ho pln\u011bn\u00ed, pokud se na p\u0159\u00edpad \u00famrt\u00ed nevztahuje n\u011bkter\u00e1 z v\u00fdluk v pojistn\u00e9 smlouv\u011b. Poji\u0161\u0165ovn\u011b to samoz\u0159ejm\u011b mus\u00ed b\u00fdt nahl\u00e1\u0161eno v r\u00e1mci poz\u016fstalostn\u00edho \u0159\u00edzen\u00ed \u010di p\u0159\u00edmo obmy\u0161lenou osobou.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"uskali-vypovedi-zivotniho-pojisteni\">\u00daskal\u00ed v\u00fdpov\u011bdi \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p>V\u00fdpov\u011b\u010f \u017eivotn\u00edho poji\u0161t\u011bn\u00ed pro v\u00e1s m\u016f\u017ee m\u00edt r\u016fzn\u00e9 finan\u010dn\u00ed dopady a zvl\u00e1\u0161t\u011b pokud pl\u00e1nujete pojistku n\u011bkdy v budoucnu obnovit, nen\u00ed v\u00fdhodn\u00e1. Proto se v\u017edycky pora\u010fte se sv\u00fdm <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\">poradcem pro oblast \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> a projd\u011bte v\u0161echny body, kter\u00e9 pro v\u00e1s z p\u0159ed\u010dasn\u00e9ho ukon\u010den\u00ed smlouvy plynou.<\/p>\n\n\n\n<p>Samoz\u0159ejm\u00fdm dopadem zru\u0161en\u00ed \u017eivotn\u00ed pojistky je <strong>ztr\u00e1ta kryt\u00ed rizik<\/strong>, na n\u011b\u017e jste byli poji\u0161t\u011bn\u00ed. Poj\u010fme se ale pod\u00edvat i na dal\u0161\u00ed \u00faskal\u00ed, kter\u00e9 se se zru\u0161en\u00edm pojistky poj\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pri-zruseni-rezervotvorne-pojistky-ziskate-pouze-odbytne\">P\u0159i zru\u0161en\u00ed rezervotvorn\u00e9 pojistky z\u00edsk\u00e1te pouze odbytn\u00e9<\/h3>\n\n\n\n<p>V p\u0159\u00edpad\u011b, \u017ee m\u00e1te sjedn\u00e1no \u017eivotn\u00ed poji\u0161t\u011bn\u00ed s tzv. rezervotvornou slo\u017ekou, m\u00e1te n\u00e1rok na <strong>v\u00fdb\u011br \u010d\u00e1sti pojistn\u00e9ho<\/strong>. Pat\u0159\u00ed sem star\u0161\u00ed <a href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-se-sporenim\/\" target=\"_blank\" rel=\"noreferrer noopener\">kapit\u00e1lov\u00e9 poji\u0161t\u011bn\u00ed nebo investi\u010dn\u00ed poji\u0161t\u011bn\u00ed<\/a>, kter\u00e9 v\u00e1m krom\u011b zaji\u0161t\u011bn\u00ed proti rizik\u016fm maj\u00ed za \u00fakol vytvo\u0159it finan\u010dn\u00ed rezervu <a href=\"https:\/\/www.fingo.cz\/investice\/sporici-ucet\" target=\"_blank\" rel=\"noreferrer noopener\">spo\u0159en\u00edm<\/a> a <a href=\"https:\/\/www.fingo.cz\/investice\" target=\"_blank\" rel=\"noreferrer noopener\">investicemi<\/a>. Vytvo\u0159enou rezervu v\u00e1m poji\u0161\u0165ovna p\u0159i ukon\u010den\u00ed takov\u00e9ho poji\u0161t\u011bn\u00ed vyplat\u00ed, ale nejprve ode\u010dte z dan\u00e9 \u010d\u00e1stky <strong>poplatky<\/strong>. V \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b tak nedos\u00e1hnete na celou naspo\u0159enou \u010d\u00e1stku a n\u011bkdy <strong>nemus\u00edte dostat nic<\/strong>. Naopak v p\u0159\u00edpad\u011b do\u017eit\u00ed smlouvy z\u00edsk\u00e1te celou kapit\u00e1lovou hodnotu \u010dasto nav\u00fd\u0161enou o r\u016fzn\u00e9 bonusy.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> V\u00e1\u0161 <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\">poradce v oblasti \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> v\u00e1m p\u0159edem bude schopn\u00fd zjistit informace o v\u00fd\u0161i odbytn\u00e9ho.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"podminky-pro-danove-odpocty\">Podm\u00ednky pro da\u0148ov\u00e9 odpo\u010dty<\/h3>\n\n\n\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1m pom\u016f\u017ee k sob\u011bsta\u010dnosti ve st\u00e1\u0159\u00ed, je ode\u010ditateln\u00e9 z da\u0148ov\u00e9ho z\u00e1kladu. Mus\u00edte pouze splnit n\u011bkolik podm\u00ednek:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>pojistka je sjednan\u00e1 na tzv. <strong>riziko \u201edo\u017eit\u00ed\u201d<\/strong> nebo \u201esmrti a do\u017eit\u00ed\u201d,<\/li><li><strong>v\u00fdplata pojistn\u00e9ho<\/strong> je sjedn\u00e1na nejd\u0159\u00edve v kalend\u00e1\u0159n\u00edm roce, ve kter\u00e9m dos\u00e1hnete <strong>60 let<\/strong>, a nejd\u0159\u00edve <strong>po p\u011bti letech<\/strong> od uzav\u0159en\u00ed smlouvy,<\/li><li>poji\u0161t\u011bn\u00fdm je i s\u00e1m pojistn\u00edk,<\/li><li>pojistka <strong>neumo\u017e\u0148uje pr\u016fb\u011b\u017en\u00fd v\u00fdb\u011br<\/strong> pen\u011bz,<\/li><li>ode\u010d\u00edst si m\u016f\u017eete maxim\u00e1ln\u011b 24 000 K\u010d ro\u010dn\u011b.<\/li><\/ul>\n\n\n\n<p>Pokud ov\u0161em takov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v jeho pr\u016fb\u011bhu zru\u0161\u00edte, ztrat\u00edte na da\u0148ov\u00e9 odpo\u010dty n\u00e1rok, a to i 10 let zp\u011btn\u011b. Svoje p\u0159\u00edjmy pak mus\u00edte <strong>zp\u011btn\u011b dodanit.<\/strong><\/p>\n\n\n\n<p><strong>P\u0159\u00edklad: <\/strong>Jestli\u017ee v\u00e1m ka\u017ed\u00fd rok poji\u0161\u0165ovna pos\u00edlala potvrzen\u00ed, \u017ee si m\u016f\u017eete ode\u010d\u00edst z da\u0148ov\u00e9ho z\u00e1kladu \u010d\u00e1stku 5 000 K\u010d, z \u010deho\u017e plyne da\u0148ov\u00e1 v\u00fdhoda 750 K\u010d (15 % z 5 000 K\u010d), tak za 10 let budete muset doplatit 7 500 K\u010d.<\/p>\n\n\n\n<p>V da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed pak uve\u010fte tuto skute\u010dnost na \u0159\u00e1dek \u010d. 40 a do p\u0159\u00edlohy 2 na \u0159\u00e1dky 207 a 209.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"podminky-nove-smlouvy\">Podm\u00ednky nov\u00e9 smlouvy<\/h3>\n\n\n\n<p>Po zru\u0161en\u00ed st\u00e1vaj\u00edc\u00ed \u017eivotn\u00ed pojistky m\u016f\u017eete m\u00edt probl\u00e9m s uzav\u0159en\u00edm nov\u00e9 smlouvy. K tomu se toti\u017e nevyhnuteln\u011b vztahuje <strong>nov\u00e1 l\u00e9ka\u0159sk\u00e1 prohl\u00eddka<\/strong> a zm\u011bn\u011bn\u00e9 podm\u00ednky vypl\u00fdvaj\u00edc\u00ed z va\u0161eho zm\u011bn\u011bn\u00e9ho zdravotn\u00edho stavu. Narazit na <a href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-po-covidu\/\" target=\"_blank\" rel=\"noreferrer noopener\">komplikace v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed m\u016f\u017eete nap\u0159\u00edklad po prod\u011bl\u00e1n\u00ed t\u011b\u017ek\u00e9ho pr\u016fb\u011bhu Covidu<\/a>, ale r\u016fzn\u00e9 v\u00fdluky v poji\u0161t\u011bn\u00ed nebo dra\u017e\u0161\u00ed pojistku z\u00edsk\u00e1te i p\u0159i jin\u00fdch zdravotn\u00edch komplikac\u00edch. M\u016f\u017ee se v\u00e1m tak st\u00e1t, \u017ee v\u00e1s \u017eivotn\u00ed pojistka bude nejm\u00e9n\u011b chr\u00e1nit pr\u00e1v\u011b v t\u011bch oblastech, ve kter\u00fdch u\u017e m\u00e1te opakovan\u011b probl\u00e9my.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-udelat-s-drahou-zivotni-pojistkou-misto-vypovedi\">Co ud\u011blat s drahou \u017eivotn\u00ed pojistkou m\u00edsto v\u00fdpov\u011bdi<\/h2>\n\n\n\n<p>Pokud to ve va\u0161\u00ed situaci nen\u00ed nevyhnuteln\u00e9, doporu\u010dujeme nep\u0159istupovat k v\u00fdpov\u011bdi \u017eivotn\u00ed pojistky, ale vydat se cestou n\u011bkter\u00e9 z alternativ.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"snizeni-pojistne-castky-na-minimum\">Sn\u00ed\u017een\u00ed pojistn\u00e9 \u010d\u00e1stky na minimum<\/h3>\n\n\n\n<p>Maxim\u00e1ln\u00ed se\u0161krt\u00e1n\u00ed pojistn\u00e9 \u010d\u00e1stky je obvykle nejlep\u0161\u00ed alternativou v\u00fdpov\u011bdi. Pro v\u00e1s to sice bude znamenat, \u017ee po dobu sn\u00ed\u017een\u00e9ho pojistn\u00e9ho budete i <strong>m\u00e9n\u011b chr\u00e1n\u011bni p\u0159ed riziky<\/strong>, nicm\u00e9n\u011b velk\u00e1 \u010d\u00e1st v\u00fdhod pro v\u00e1s z\u016fstane zachov\u00e1na. Jakmile se va\u0161e finan\u010dn\u00ed situace zlep\u0161\u00ed, platby nav\u00fd\u0161\u00edte a <strong>dos\u00e1hnete op\u011bt pln\u00e9ho kryt\u00ed<\/strong>.<\/p>\n\n\n\n<p>Platby lze obvykle sn\u00ed\u017eit a\u017e k hranici <strong>300 K\u010d m\u011bs\u00ed\u010dn\u011b<\/strong>, u Kooperativy ale dos\u00e1hnete p\u0159i <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\/kooperativa-pojistovna-a-s-vienna-insurance-group\/na-prani\" target=\"_blank\" rel=\"noreferrer noopener\">poji\u0161t\u011bn\u00ed Na p\u0159\u00e1n\u00ed<\/a> a\u017e na \u010d\u00e1stku <strong>50 K\u010d m\u011bs\u00ed\u010dn\u011b<\/strong> (40 K\u010d tvo\u0159\u00ed poplatek, 10 K\u010d poji\u0161t\u011bn\u00ed rizika smrti na pojistnou \u010d\u00e1stku 10 000 K\u010d). A nap\u0159\u00edklad u <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\/generali-pojistovna-a-s\/bel-mondo\" target=\"_blank\" rel=\"noreferrer noopener\">poji\u0161t\u011bn\u00ed Bel Mondo od Generali \u010cesk\u00e9 poji\u0161\u0165ovny<\/a> <strong>nen\u00ed spodn\u00ed hranice v\u016fbec stanovena<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>V\u00fdhody do\u010dasn\u00e9ho sn\u00ed\u017een\u00ed pojistn\u00e9ho<\/strong><\/td><td><strong>Nev\u00fdhody do\u010dasn\u00e9ho sn\u00ed\u017een\u00ed pojistn\u00e9ho<\/strong><\/td><\/tr><tr><td>minim\u00e1ln\u00ed platby<\/td><td>ni\u017e\u0161\u00ed kryt\u00ed p\u0159ed riziky<\/td><\/tr><tr><td>bez nutnosti nov\u00e9 l\u00e9ka\u0159sk\u00e9 prohl\u00eddky<\/td><td><\/td><\/tr><tr><td>bez dodan\u011bn\u00ed<\/td><td><\/td><\/tr><tr><td>bez minimalizace odbytn\u00e9ho<\/td><td><\/td><\/tr><\/tbody><\/table><figcaption>V\u00fdhody a nev\u00fdhody do\u010dasn\u00e9ho sn\u00ed\u017een\u00ed pojistn\u00e9ho<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"uspani-pojistky\">Usp\u00e1n\u00ed pojistky<\/h3>\n\n\n\n<p>Pokud m\u00e1te nap\u0159\u00edklad <strong>poji\u0161t\u011bn\u00ed Flexi 22 od Kooperativy<\/strong>, m\u016f\u017eete svoji pojistku na <strong>dobu a\u017e p\u016fl roku<\/strong> uspat. V takov\u00e9m p\u0159\u00edpad\u011b sice nebudete muset za poji\u0161t\u011bn\u00ed platit, z\u00e1rove\u0148 ale po tuto dobu budete m\u00edt poji\u0161t\u011bn\u00e9 pouze riziko smrti na pojistnou \u010d\u00e1stku 10 000 K\u010d a jinak <strong>nebudete nijak chr\u00e1n\u011bni<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>V\u00fdhody usp\u00e1n\u00ed pojistky<\/strong><\/td><td><strong>Nev\u00fdhody usp\u00e1n\u00ed pojistky<\/strong><\/td><\/tr><tr><td>\u017e\u00e1dn\u00e9 platby<\/td><td>minim\u00e1ln\u00ed kryt\u00ed rizik<\/td><\/tr><tr><td>bez dodan\u011bn\u00ed<\/td><td><\/td><\/tr><tr><td>bez nov\u00e9 l\u00e9ka\u0159sk\u00e9 prohl\u00eddky<\/td><td><\/td><\/tr><\/tbody><\/table><figcaption>V\u00fdhody a nev\u00fdhody usp\u00e1n\u00ed pojistky<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"preruseni-placeni-pojistky\">P\u0159eru\u0161en\u00ed placen\u00ed pojistky<\/h3>\n\n\n\n<p>Odlo\u017een\u00ed plateb \u010dili p\u0159eru\u0161en\u00ed placen\u00ed pojistky je mo\u017en\u00e9 pou\u017e\u00edt pouze <strong>p\u0159i rezervotvorn\u00e9m poji\u0161t\u011bn\u00ed<\/strong>. Pojistn\u00e9 se \u010derp\u00e1 <strong>z dosud naspo\u0159en\u00e9 rezervy<\/strong>. Vy z\u016fst\u00e1v\u00e1te kryt\u00ed, zmen\u0161uje se va\u0161e rezerva. M\u016f\u017eete t\u00edmto zp\u016fsobem vynechat platby i bez informov\u00e1n\u00ed poji\u0161\u0165ovny nap\u0159. na t\u0159i m\u011bs\u00edce, pokud m\u00e1te dostate\u010dn\u011b naspo\u0159eno. Tuto mo\u017enost nab\u00edz\u00ed v r\u00e1mci sv\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed s rezervotvornou slo\u017ekou v\u0161echny poji\u0161\u0165ovny.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>V\u00fdhody p\u0159eru\u0161en\u00ed placen\u00ed pojistky<\/strong><\/td><td><strong>Nev\u00fdhody p\u0159eru\u0161en\u00ed placen\u00ed pojistky<\/strong><\/td><\/tr><tr><td>pln\u00e9 kryt\u00ed<\/td><td>zmen\u0161en\u00e1 rezerva<\/td><\/tr><tr><td>bez nov\u00e9 l\u00e9ka\u0159sk\u00e9 prohl\u00eddky<\/td><td><\/td><\/tr><tr><td>bez dodan\u011bn\u00ed<\/td><td><\/td><\/tr><tr><td>\u017e\u00e1dn\u00e9 platby<\/td><td><\/td><\/tr><\/tbody><\/table><figcaption>V\u00fdhody a nev\u00fdhody p\u0159eru\u0161en\u00ed placen\u00ed pojistky<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"prevedeni-smlouvy-ke-konkurenci\">P\u0159eveden\u00ed smlouvy ke konkurenci<\/h3>\n\n\n\n<p>Pokud nejste spokojen\u00ed s mo\u017enostmi nebo slu\u017ebami st\u00e1vaj\u00edc\u00ed poji\u0161\u0165ovny, m\u016f\u017eete svoji pojistku m\u00edsto zru\u0161en\u00ed p\u0159ev\u00e9st k jin\u00e9 poji\u0161\u0165ovn\u011b. Vyhnete se tak nutnosti doda\u0148ovat ode\u010dty, nicm\u00e9n\u011b k nov\u00e9 instituci se p\u0159evede <strong>jen tzv. odkupn\u00e9<\/strong> a \u010d\u00e1st va\u0161ich pen\u011bz z\u016fstane na poplatc\u00edch p\u016fvodn\u00ed poji\u0161\u0165ovn\u011b. Procento, o kter\u00e9 p\u0159ijdete, se odv\u00edj\u00ed od doby, kter\u00e1 zb\u00fdv\u00e1 do konce poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p>Nav\u00edc budete muset vyplnit zdravotn\u00ed dotazn\u00edk a p\u0159i nadstandardn\u00edch pojistn\u00fdch \u010d\u00e1stk\u00e1ch podstoupit i novou l\u00e9ka\u0159skou prohl\u00eddku. Pokud se v\u00e1\u0161 zdravotn\u00ed stav zhor\u0161il, m\u016f\u017eete m\u00edt m\u00e9n\u011b v\u00fdhodn\u00e9 podm\u00ednky.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>V\u00fdhody p\u0159eveden\u00ed pojistky<\/strong><\/td><td><strong>Nev\u00fdhody p\u0159eveden\u00ed pojistky<\/strong><\/td><\/tr><tr><td>kryt\u00ed rizik<\/td><td>p\u0159eveden\u00ed pouze tzv. odkupn\u00e9ho<\/td><\/tr><tr><td>bez dodan\u011bn\u00ed<\/td><td>nov\u00e1 l\u00e9ka\u0159sk\u00e1 prohl\u00eddka<\/td><\/tr><tr><td>p\u0159\u00edpadn\u00e9 lep\u0161\u00ed podm\u00ednky\/slu\u017eby<\/td><td><\/td><\/tr><\/tbody><\/table><figcaption>V\u00fdhody a nev\u00fdhody p\u0159eveden\u00ed pojistky ke konkurenci<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"doziti-smlouvy\">Do\u017eit\u00ed smlouvy<\/h3>\n\n\n\n<p>Tou nejlep\u0161\u00ed variantou ur\u010dit\u011b je, kdy\u017e v\u00e1m smlouva vydr\u017e\u00ed u poji\u0161\u0165ovny po celou pojistnou dobu, na kterou jste ji sjednali. Jednak jste celou dobu <strong>chr\u00e1n\u011bni proti ne\u010dekan\u00fdm \u017eivotn\u00edm ud\u00e1lostem<\/strong> a tak\u00e9 na konci dostanete <strong>kapit\u00e1lovou hodnotu smlouvy<\/strong>. To je celkov\u00e1 naspo\u0159en\u00e1 \u010d\u00e1stka va\u0161eho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, <strong>u n\u011bkter\u00fdch poji\u0161\u0165oven nav\u00fd\u0161en\u00e1 o bonusy<\/strong>.<\/p>\n\n\n\n<p>Mezi bonusy pat\u0159\u00ed t\u0159eba odm\u011bna za to, \u017ee nebudete po ur\u010ditou dobu (nap\u0159\u00edklad 5 let) \u010derpat pln\u011bn\u00ed z pojistn\u00e9 ud\u00e1losti (nestane se v\u00e1m \u00faraz a nebudete nemocn\u00ed) nebo bonus za dobu trv\u00e1n\u00ed pojistn\u00e9 smlouvy (nap\u0159\u00edklad 15 let).<\/p>\n\n\n\n<p>Mnoho smluv na trhu je na\u0161t\u011bst\u00ed velmi variabiln\u00edch, tak\u017ee se daj\u00ed <strong>upravit pomoc\u00ed tzv. technick\u00fdch zm\u011bn<\/strong> a m\u016f\u017eete je tedy pr\u016fb\u011b\u017en\u011b p\u0159izp\u016fsobovat rodinn\u00e9 situaci. Poji\u0161\u0165ovny se v tomto ohledu sna\u017e\u00ed dr\u017eet krok s dobou a konkurenc\u00ed, a proto je tak\u00e9 b\u011b\u017enou prax\u00ed, \u017ee umo\u017en\u00ed za ur\u010dit\u00fdch podm\u00ednek klient\u016fm <strong>produkt tzv. p\u0159epracovat na nov\u00e9 a modern\u011bj\u0161\u00ed produkty<\/strong>.&nbsp; Jedn\u00e1 se op\u011bt o relativn\u011b \u0161etrnou variantu pro z\u00e1kazn\u00edky, proto\u017ee p\u0159i \u0159\u00e1dn\u00e9m p\u0159epracov\u00e1n\u00ed doch\u00e1z\u00ed k <strong>p\u0159evodu cel\u00e9 kapit\u00e1lov\u00e9 hodnoty<\/strong> z p\u016fvodn\u00ed smlouvy, nikoliv pouze odkupn\u00e9ho.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>V\u00fdhody do\u017eit\u00ed smlouvy<\/strong><\/td><td><strong>Nev\u00fdhody do\u017eit\u00ed smlouvy<\/strong><\/td><\/tr><tr><td>mo\u017enost technick\u00fdch zm\u011bn<\/td><td><\/td><\/tr><tr><td>zachov\u00e1n\u00ed kapit\u00e1lov\u00e9 hodnoty, bonusy<\/td><td><\/td><\/tr><tr><td>kryt\u00ed v\u0161ech p\u016fvodn\u00edch rizik<\/td><td><\/td><\/tr><tr><td>levn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed p\u0159i sjedn\u00e1n\u00ed v ml\u00e1d\u00ed<\/td><td><\/td><\/tr><\/tbody><\/table><figcaption>V\u00fdhody a nev\u00fdhody do\u017eit\u00ed smlouvy<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"prvni-krok-pri-potizich-s-platbami\">Prvn\u00ed krok p\u0159i pot\u00ed\u017e\u00edch s platbami<\/h2>\n\n\n\n<p>Jestli\u017ee m\u00e1te sjednanou \u017eivotn\u00ed pojistku a dostali jste se do probl\u00e9m\u016f s jej\u00edm spl\u00e1cen\u00edm, m\u011bli byste se nejd\u0159\u00edve <strong>spojit s odborn\u00edkem<\/strong>. <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\">Poradce v oblasti \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> v\u00e1m bude schopn\u00fd <strong>propo\u010d\u00edtat jednotliv\u00e9 mo\u017enosti<\/strong> p\u0159\u00edmo na m\u00edru va\u0161\u00ed situaci, projde s v\u00e1mi <strong>mo\u017en\u00e1 \u0159e\u0161en\u00ed<\/strong> a pom\u016f\u017ee i s pap\u00edrov\u00e1n\u00edm. D\u016fle\u017eit\u00e9 je, abyste se nepou\u0161t\u011bli do \u0159e\u0161en\u00ed na vlastn\u00ed p\u011bst, proto\u017ee si tak m\u016f\u017eete uzav\u0159\u00edt cestu k v\u00fdhodn\u00e9mu poji\u0161t\u011bn\u00ed do budoucna.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed si sjedn\u00e1v\u00e1me, aby chr\u00e1nilo n\u00e1s i na\u0161i rodinu v p\u0159\u00edpad\u011b ne\u010dekan\u00fdch ud\u00e1lost\u00ed. N\u011bkdy pro n\u00e1s ale m\u016f\u017eou pravideln\u00e9 odvody p\u0159edstavovat v\u011bt\u0161\u00ed probl\u00e9my ne\u017e jindy. A tehdy n\u011bkte\u0159\u00ed za\u010dnou p\u0159em\u00fd\u0161let o zru\u0161en\u00ed \u017eivotn\u00ed pojistky. Jak v\u00fdpov\u011b\u010f prob\u00edh\u00e1, jak\u00e1 \u00faskal\u00ed s sebou nese a jak\u00e9 jsou alternativy? Jak vypov\u011bd\u011bt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Pokud se definitivn\u011b rozhodnete pro zru\u0161en\u00ed \u017eivotn\u00ed pojistky, z\u00e1sadn\u00ed pro v\u00e1s bude pohl\u00eddat si term\u00edn, ve kter\u00e9m byste m\u011bli v\u00fdpov\u011b\u010f podat. Pokud o sv\u00e9 pojistce za\u010dnete pochybovat v prvn\u00edch dvou m\u011bs\u00edc\u00edch od uzav\u0159en\u00ed smlouvy, m\u016f\u017eete ji vypov\u011bd\u011bt s osmidenn\u00ed v\u00fdpov\u011bdn\u00ed lh\u016ftou a p\u0159\u00edpadn\u00fdm poplatkem, proces je jednoduch\u00fd. V\u011bt\u0161\u00ed pozor si budete muset d\u00e1t, pokud u\u017e smlouva b\u011b\u017e\u00ed del\u0161\u00ed dobu. A\u010dkoli v\u00fdpov\u011b\u010f m\u016f\u017eete zaslat kdykoli, po\u010d\u00edtejte \u017ee mus\u00ed b\u00fdt doru\u010dena alespo\u0148 6 t\u00fddn\u016f p\u0159ed koncem pojistn\u00e9ho obdob\u00ed. Pokud v\u00fdpov\u011b\u010f po\u0161lete m\u00e9n\u011b ne\u017e \u0161est t\u00fddn\u016f p\u0159ed koncem poji\u0161\u0165ovac\u00edho obdob\u00ed, poji\u0161\u0165ovna od v\u00e1s m\u016f\u017ee po\u017eadovat dal\u0161\u00ed platbu. D\u016fle\u017eit\u00e9 je, \u017ee v\u00fdpov\u011b\u010f je obvykle akceptov\u00e1na pouze v p\u00edsemn\u00e9 podob\u011b prost\u0159ednictv\u00edm formul\u00e1\u0159e, kter\u00fd najdete na str\u00e1nk\u00e1ch poji\u0161\u0165ovny. V\u00fdpov\u011b\u010f obvykle m\u016f\u017eete vy\u0159\u00eddit prost\u0159ednictv\u00edm po\u0161ty, na pobo\u010dce a n\u011bkdy tak\u00e9 e-mailem. Poji\u0161\u0165ovna Formul\u00e1\u0159 v\u00fdpov\u011bdi Forma v\u00fdpov\u011bdi Kontakt na infolinku Allianz Vzor v\u00fdpov\u011bdi Informace na str\u00e1nce +420 241 170 000 Generali Bez vzoru Informace na str\u00e1nce +420 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":411,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-410","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-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>Co s \u017eivotn\u00ed pojistkou v dob\u011b sn\u00ed\u017een\u00e9ho p\u0159\u00edjmu - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Jak vypov\u011bd\u011bt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed u jednotliv\u00fdch poji\u0161\u0165oven. 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