{"id":752,"date":"2022-08-24T13:27:47","date_gmt":"2022-08-24T13:27:47","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=752"},"modified":"2023-06-23T14:37:14","modified_gmt":"2023-06-23T13:37:14","slug":"co-je-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/co-je-zivotni-pojisteni\/","title":{"rendered":"P\u0159ehledn\u011b o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed"},"content":{"rendered":"\n<p><strong>\u017divotn\u00edm poji\u0161t\u011bn\u00edm chr\u00e1n\u00ed lid\u00e9 sebe a svoje rodiny p\u0159ed v\u00fdpadkem p\u0159\u00edjm\u016f vlivem nahodil\u00fdch ud\u00e1lost\u00ed jejich \u017eivot\u016f, jako je smrt, nemoc, hospitalizace a zran\u011bn\u00ed. <\/strong>Existuje n\u011bkolik druh\u016f \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, ka\u017ed\u00e1 z poji\u0161\u0165oven v t\u00e9to oblasti nab\u00edz\u00ed vlastn\u00ed \u00fapravu a v neposledn\u00ed \u0159ad\u011b z\u00e1sadn\u011b z\u00e1le\u017e\u00ed na va\u0161em individu\u00e1ln\u00edm nastaven\u00ed. Poj\u010fme se tedy kouknout p\u0159ehledn\u011b na to, co to \u017eivotn\u00ed poji\u0161t\u011bn\u00ed vlastn\u011b je, a jak\u00e9 mo\u017enosti nab\u00edz\u00ed.<\/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 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-to-ivotn-poji-t-n\">Co je to \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-co-si-m-ete-v-r-mci-ivotn-ho-poji-t-n-p-ipojistit\">Co si m\u016f\u017eete v r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed p\u0159ipojistit<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-druhy-ivotn-ho-poji-t-n-existuj\">Jak\u00e9 druhy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed existuj\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-kdy-byste-si-ivotn-poji-t-n-m-li-po-dit\">Kdy byste si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u011bli po\u0159\u00eddit<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-se-li-ivotn-poji-t-n-u-jednotliv-ch-poji-oven\">Jak se li\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed u jednotliv\u00fdch poji\u0161\u0165oven<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-pokryt-rizik\">1. Pokryt\u00ed rizik<\/a><\/li><li class=\"\"><a href=\"#htoc-posouzen-m-zdravotn-ho-stavu\">2. Posouzen\u00edm zdravotn\u00edho stavu<\/a><\/li><li class=\"\"><a href=\"#htoc-pr-b-h-likvidace\">3. Pr\u016fb\u011bh likvidace<\/a><\/li><li class=\"\"><a href=\"#htoc-limity-pojistn-ch-stek\">4. Limity pojistn\u00fdch \u010d\u00e1stek<\/a><\/li><li class=\"\"><a href=\"#htoc-za-azen-do-rizikov-ch-skupin\">5. Za\u0159azen\u00ed do rizikov\u00fdch skupin<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-jak-se-v-tom-vyznat\">Jak se v tom vyznat<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-je-to-ivotn-poji-t-n\">Co je to \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p>Z\u00e1kladem \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je paradoxn\u011b <strong>poji\u0161t\u011bn\u00ed smrti<\/strong>. Bez ohledu na dal\u0161\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e9 si m\u016f\u017eete sjednat, riziko smrti mus\u00edte alespo\u0148 na z\u00e1kladn\u00ed \u010d\u00e1stku pojistit v r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed v\u017edy.<\/p>\n\n\n\n<p>V p\u0159\u00edpad\u011b, \u017ee zem\u0159ete, poji\u0161\u0165ovna vyplat\u00ed pojistn\u00e9 t\u011bm, kter\u00e9 jste do poji\u0161t\u011bn\u00ed uvedli \u2013 nej\u010dast\u011bji va\u0161\u00ed rodin\u011b. Takto \u017eivitel\u00e9 rodin chr\u00e1n\u00ed sv\u00e9 poz\u016fstal\u00e9 p\u0159ed v\u00fdpadkem jejich p\u0159\u00edjmu z rodinn\u00e9ho rozpo\u010dtu. Pojistn\u00e1 \u010d\u00e1stka m\u016f\u017ee j\u00edt ale t\u0159eba i rovnou bance na doplacen\u00ed hypot\u00e9ky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-si-m-ete-v-r-mci-ivotn-ho-poji-t-n-p-ipojistit\">Co si m\u016f\u017eete v r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed p\u0159ipojistit<\/h2>\n\n\n\n<p>Samoz\u0159ejm\u011b, \u017ee smrt nen\u00ed to jedin\u00e9, co v\u00e1m nebo va\u0161\u00ed rodin\u011b m\u016f\u017ee zp\u016fsobit v\u00fdpadek v p\u0159\u00edjmech. Pr\u00e1v\u011b proto si k z\u00e1kladn\u00edmu riziku smrti m\u016f\u017eete v r\u00e1mci sv\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed sjednat <strong>i p\u0159ipoji\u0161t\u011bn\u00ed na dal\u0161\u00ed rizika<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>z\u00e1va\u017en\u00e1 onemocn\u011bn\u00ed<\/li>\n\n\n\n<li>denn\u00ed od\u0161kodn\u00e9 \u00farazu<\/li>\n\n\n\n<li>trval\u00e9 n\u00e1sledky \u00farazu<\/li>\n\n\n\n<li>hospitalizace<\/li>\n\n\n\n<li>invalidita<\/li>\n\n\n\n<li>pracovn\u00ed neschopnost<\/li>\n\n\n\n<li>stejn\u00e1 rizika pro va\u0161e d\u011bti<\/li>\n\n\n\n<li>do\u017eit\u00ed*<\/li>\n<\/ul>\n\n\n\n<p>* Pojistn\u00e9 je vyplaceno v p\u0159\u00edpad\u011b, \u017ee se do\u017eijete ur\u010dit\u00e9ho v\u011bku, a nab\u00edz\u00ed v\u00e1m tak p\u0159ilep\u0161en\u00ed k d\u016fchodu. Poji\u0161t\u011bn\u00ed rizika do\u017eit\u00ed je tak alternativou nebo dopl\u0148kem k <a href=\"https:\/\/www.fingo.cz\/investice\/doplnkove-penzijni-sporeni\" target=\"_blank\" rel=\"noreferrer noopener\">penzijn\u00edmu spo\u0159en\u00ed<\/a>.<\/p>\n\n\n\n<p>Mezi dal\u0161\u00ed, m\u00e9n\u011b obvykl\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed pat\u0159\u00ed nap\u0159\u00edklad smrt \u00farazem, o\u0161et\u0159ov\u00e1n\u00ed d\u00edt\u011bte, o\u0161et\u0159ov\u00e1n\u00ed dosp\u011bl\u00e9ho, trval\u00e9 n\u00e1sledky nemoci a t\u011blesn\u00e9 po\u0161kozen\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-druhy-ivotn-ho-poji-t-n-existuj\">Jak\u00e9 druhy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed existuj\u00ed<\/h2>\n\n\n\n<p>Z t\u0159\u00ed druh\u016f \u017eivotn\u00edho poji\u0161t\u011bn\u00ed (rizikov\u00e9, kapit\u00e1lov\u00e9, investi\u010dn\u00ed) se posledn\u00ed dobou op\u011bt st\u00e1\u010d\u00ed pozornost p\u0159edev\u0161\u00edm na <strong>rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong>.<\/p>\n\n\n\n<p>Na rozd\u00edl od investi\u010dn\u00edho a kapit\u00e1lov\u00e9ho <strong>nem\u00e1 investi\u010dn\u00ed \u010di spo\u0159ic\u00ed slo\u017eku<\/strong> \u2013 jedn\u00e1 se skute\u010dn\u011b jen o poji\u0161t\u011bn\u00ed rizik a v tom lep\u0161\u00edm p\u0159\u00edpad\u011b, \u017ee se v\u00e1m nic nep\u0159\u00edjemn\u00e9ho nep\u0159ihod\u00ed, tak\u00e9 nic nedostanete.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-se-sporenim\/\" target=\"_blank\" rel=\"noreferrer noopener\">O \u017eivotn\u00edm poji\u0161t\u011bn\u00ed \u201ese spo\u0159en\u00edm\u201d jsme pro v\u00e1s p\u0159ipravili samostatn\u00fd \u010dl\u00e1nek.<\/a> M\u011bli byste ale v\u011bd\u011bt, \u017ee <a href=\"https:\/\/www.fingo.cz\/investice\" target=\"_blank\" rel=\"noreferrer noopener\">klasick\u00e9 investov\u00e1n\u00ed<\/a> nab\u00edz\u00ed lep\u0161\u00ed mo\u017enosti zhodnocen\u00ed pen\u011bz ne\u017e jejich ukl\u00e1d\u00e1n\u00ed v r\u00e1mci investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017ee b\u00fdt cesta, jak zab\u00edt dv\u011b mouchy jedn\u00edm produktem a vy\u0159e\u0161it rizika a investice z\u00e1rove\u0148. Vzhledem k omezen\u00e9 v\u00fdnosnosti takov\u00fdch investic ale doporu\u010dujeme sp\u00ed\u0161e <a href=\"https:\/\/www.fingo.cz\/\" target=\"_blank\" rel=\"noreferrer noopener\">nav\u0161t\u00edvit finan\u010dn\u00edho poradce<\/a>, kter\u00fd v\u00e1m sjedn\u00e1 rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a k tomu investice zvl\u00e1\u0161\u0165, ale jako v\u00fdsledek t\u00e9\u017e sch\u016fzky.<\/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\"><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kdy-byste-si-ivotn-poji-t-n-m-li-po-dit\">Kdy byste si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u011bli po\u0159\u00eddit<\/h2>\n\n\n\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed je velmi variabiln\u00ed produkt a nab\u00edz\u00ed tak individu\u00e1ln\u00ed kryt\u00ed pro ka\u017ed\u00e9ho na m\u00edru. Ur\u010dit\u011b byste ale \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u011bli sjednat, pokud:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>v\u00e1\u0161 p\u0159\u00edjem <strong>zaji\u0161\u0165uje dom\u00e1cnost<\/strong>,<\/li>\n\n\n\n<li>pracujete<strong> na voln\u00e9 noze<\/strong>,<\/li>\n\n\n\n<li>nem\u00e1te vysokou finan\u010dn\u00ed rezervu,<\/li>\n\n\n\n<li>m\u00e1te <strong>nedosp\u011bl\u00e9 d\u011bti<\/strong>,<\/li>\n\n\n\n<li><strong>spl\u00e1c\u00edte <\/strong>hypot\u00e9ku nebo jin\u00fd \u00fav\u011br,<\/li>\n\n\n\n<li>ve va\u0161\u00ed rodin\u011b se vyskytuj\u00ed <strong>z\u00e1va\u017en\u00e1 onemocn\u011bn\u00ed,<\/strong><\/li>\n\n\n\n<li>m\u00e1te <strong>rizikov\u011bj\u0161\u00ed povol\u00e1n\u00ed<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-se-li-ivotn-poji-t-n-u-jednotliv-ch-poji-oven\">Jak se li\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed u jednotliv\u00fdch poji\u0161\u0165oven<\/h2>\n\n\n\n<p>Na prvn\u00ed pohled zaznamen\u00e1te v r\u00e1mci <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\">r\u016fzn\u00fdch nab\u00eddek \u017eivotn\u00edho poji\u0161t\u011bn\u00ed p\u0159edev\u0161\u00edm z\u00e1sadn\u011b odli\u0161n\u00e9 ceny<\/a>. P\u0159i v\u00fdb\u011bru poji\u0161\u0165ovny se ale <strong>rozhodn\u011b nevyplat\u00ed s\u00e1hnout po nejlevn\u011bj\u0161\u00ed mo\u017enosti<\/strong>. \u010c\u00edm se nab\u00eddky \u017eivotn\u00edho poji\u0161t\u011bn\u00ed u r\u016fzn\u00fdch instituc\u00ed li\u0161\u00ed?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-pokryt-rizik\">1. Pokryt\u00ed rizik<\/h3>\n\n\n\n<p>Poji\u0161\u0165ovny stanovuj\u00ed <strong>r\u016fzn\u00e9 v\u00fdluky<\/strong>, tedy situace, na kter\u00e9 se poji\u0161t\u011bn\u00ed nevztahuje. Ur\u010dit\u011b se s nimi p\u0159ed uzav\u0159en\u00edm smlouvy seznamte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-posouzen-m-zdravotn-ho-stavu\">2. Posouzen\u00edm zdravotn\u00edho stavu<\/h3>\n\n\n\n<p>Krom\u011b \u00fazk\u00e9ho <a href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-bez-zkoumani-zdravotniho-stavu\/\" target=\"_blank\" rel=\"noreferrer noopener\">v\u00fdb\u011bru \u017eivotn\u00edho poji\u0161t\u011bn\u00ed zam\u011b\u0159en\u00e9ho na \u00farazy, kde se bez posouzen\u00ed zdravotn\u00edho stavu<\/a> obejdete, byste se m\u011bli p\u0159ipravit i na <strong>zdravotn\u00ed dotazn\u00edk a n\u00e1v\u0161t\u011bvu u l\u00e9ka\u0159e<\/strong>.<\/p>\n\n\n\n<p>Nep\u0159\u00edzniv\u00e1 anamn\u00e9za v\u00e1m m\u016f\u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed <strong>zdra\u017eit<\/strong>, p\u0159\u00edpadn\u011b v\u00e1m poji\u0161\u0165ovna rovnou na p\u0159edchoz\u00ed nemoc p\u0159ip\u00ed\u0161e <strong>v\u00fdluku<\/strong>, v nejkrajn\u011bj\u0161\u00edm p\u0159\u00edpad\u011b v\u00e1s <strong>v\u016fbec nep\u0159ijme do poji\u0161t\u011bn\u00ed<\/strong>.<\/p>\n\n\n\n<p>Poji\u0161\u0165ovny ale pro r\u016fzn\u00e9 anamn\u00e9zy nab\u00edzej\u00ed <strong>r\u016fzn\u00e9 p\u0159\u00edstupy<\/strong> (koukn\u011bte se t\u0159eba, <a href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-po-covidu\/\" target=\"_blank\" rel=\"noreferrer noopener\">jak odli\u0161n\u011b p\u0159ij\u00edmaly do poji\u0161t\u011bn\u00ed lidi po prod\u011bl\u00e1n\u00ed COVID-19<\/a>). Proto pokud v\u00e1\u0161 \u201erejst\u0159\u00edk nemoc\u00ed\u201d nen\u00ed \u010dist\u00fd, vyplat\u00ed se dob\u0159e zv\u00e1\u017eit, do kter\u00e9 poji\u0161\u0165ovny zam\u00ed\u0159\u00edte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-pr-b-h-likvidace\">3. Pr\u016fb\u011bh likvidace<\/h3>\n\n\n\n<p>N\u011bkter\u00e9 poji\u0161\u0165ovny pln\u00ed pojistn\u00e9 <strong>bez v\u011bt\u0161\u00edch okolk\u016f a rychle<\/strong>, jin\u00e9 hledaj\u00ed z\u00e1drhele a vypl\u00e1c\u00ed s velk\u00fdm zpo\u017ed\u011bn\u00edm. P\u0159itom v situac\u00edch, na kter\u00e9 se poji\u0161t\u011bn\u00ed vztahuje, obvykle pot\u0159ebujete vy nebo va\u0161e rodina finan\u010dn\u00ed v\u00fdpomoc co nejrychleji.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-limity-pojistn-ch-stek\">4. Limity pojistn\u00fdch \u010d\u00e1stek<\/h3>\n\n\n\n<p>Maxim\u00e1ln\u00ed \u010d\u00e1stka, kterou v\u00e1m poji\u0161\u0165ovna vyplat\u00ed v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti, se r\u016fzn\u00ed, a proto n\u011bkter\u00e9 va\u0161e po\u017eadavky m\u016f\u017eou b\u00fdt realizovateln\u00e9 jen u konkr\u00e9tn\u00edch poji\u0161\u0165oven.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-za-azen-do-rizikov-ch-skupin\">5. Za\u0159azen\u00ed do rizikov\u00fdch skupin<\/h3>\n\n\n\n<p>Pokud pracujete nap\u0159\u00edklad jako hasi\u010d nebo fotbalista, m\u016f\u017eete u n\u011bkter\u00fdch poji\u0161\u0165oven spadnout do rizikov\u00e9 skupiny (a m\u00edt tak dra\u017e\u0161\u00ed poji\u0161t\u011bn\u00ed) a u jin\u00e9 nikoliv.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-se-v-tom-vyznat\">Jak se v tom vyznat<\/h2>\n\n\n\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed by v\u00e1s m\u011blo <strong>prov\u00e1zat cel\u00fd \u017eivot<\/strong>, s p\u0159\u00edpadn\u00fdmi technick\u00fdmi \u00fapravami, ale bez ru\u0161en\u00ed a nov\u00e9ho sjedn\u00e1v\u00e1n\u00ed. Tak v\u00e1s toti\u017e vyjde levn\u011bji a z poji\u0161t\u011bn\u00ed nebudou vylou\u010deny nemoci, kter\u00e9 prod\u011bl\u00e1te po okam\u017eiku, kdy jste si prvn\u00ed poji\u0161t\u011bn\u00ed sjednali.<\/p>\n\n\n\n<p>Proto je d\u016fle\u017eit\u00e9 si hned na za\u010d\u00e1tku <strong>dob\u0159e vybrat spolehliv\u00e9ho partnera<\/strong>, a z\u00e1rove\u0148 poji\u0161t\u011bn\u00ed <strong>spr\u00e1vn\u011b nastavit<\/strong>.<\/p>\n\n\n\n<p>Sjedn\u00e1n\u00edm v\u00e1s mohou prov\u00e9st lid\u00e9 z poji\u0161\u0165oven, ty v\u00e1m ale nab\u00eddnou v\u017edy jen jejich vlastn\u00ed \u0159e\u0161en\u00ed. <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Poradci v oblasti \u017eivotn\u00edho poji\u0161t\u011bn\u00ed od FinGO<\/strong><\/a> v\u00e1m mohou vybrat a sjednat nejlep\u0161\u00ed \u0159e\u0161en\u00ed nap\u0159\u00ed\u010d poji\u0161\u0165ovnami, placeni jsou p\u0159itom z provize c\u00edlov\u00e9 poji\u0161\u0165ovny a pro v\u00e1s z\u016fst\u00e1v\u00e1 slu\u017eba zdarma. Ur\u010dit\u011b doporu\u010dujeme se na jednoho z nich obr\u00e1tit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u017divotn\u00edm poji\u0161t\u011bn\u00edm chr\u00e1n\u00ed lid\u00e9 sebe a svoje rodiny p\u0159ed v\u00fdpadkem p\u0159\u00edjm\u016f vlivem nahodil\u00fdch ud\u00e1lost\u00ed jejich \u017eivot\u016f, jako je smrt, nemoc, hospitalizace a zran\u011bn\u00ed. Existuje n\u011bkolik druh\u016f \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, ka\u017ed\u00e1 z poji\u0161\u0165oven v t\u00e9to oblasti nab\u00edz\u00ed vlastn\u00ed \u00fapravu a v neposledn\u00ed \u0159ad\u011b z\u00e1sadn\u011b z\u00e1le\u017e\u00ed na va\u0161em individu\u00e1ln\u00edm nastaven\u00ed. Poj\u010fme se tedy kouknout p\u0159ehledn\u011b na to, co to \u017eivotn\u00ed poji\u0161t\u011bn\u00ed vlastn\u011b je, a jak\u00e9 mo\u017enosti nab\u00edz\u00ed. Co je to \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Z\u00e1kladem \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je paradoxn\u011b poji\u0161t\u011bn\u00ed smrti. Bez ohledu na dal\u0161\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e9 si m\u016f\u017eete sjednat, riziko smrti mus\u00edte alespo\u0148 na z\u00e1kladn\u00ed \u010d\u00e1stku pojistit v r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed v\u017edy. V p\u0159\u00edpad\u011b, \u017ee zem\u0159ete, poji\u0161\u0165ovna vyplat\u00ed pojistn\u00e9 t\u011bm, kter\u00e9 jste do poji\u0161t\u011bn\u00ed uvedli \u2013 nej\u010dast\u011bji va\u0161\u00ed rodin\u011b. Takto \u017eivitel\u00e9 rodin chr\u00e1n\u00ed sv\u00e9 poz\u016fstal\u00e9 p\u0159ed v\u00fdpadkem jejich p\u0159\u00edjmu z rodinn\u00e9ho rozpo\u010dtu. Pojistn\u00e1 \u010d\u00e1stka m\u016f\u017ee j\u00edt ale t\u0159eba i rovnou bance na doplacen\u00ed hypot\u00e9ky. Co si m\u016f\u017eete v r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed p\u0159ipojistit Samoz\u0159ejm\u011b, \u017ee smrt nen\u00ed to jedin\u00e9, co v\u00e1m nebo va\u0161\u00ed rodin\u011b m\u016f\u017ee zp\u016fsobit v\u00fdpadek v p\u0159\u00edjmech. Pr\u00e1v\u011b proto si k z\u00e1kladn\u00edmu riziku smrti m\u016f\u017eete v r\u00e1mci sv\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed sjednat i p\u0159ipoji\u0161t\u011bn\u00ed na dal\u0161\u00ed rizika: * Pojistn\u00e9 je vyplaceno v p\u0159\u00edpad\u011b, \u017ee se do\u017eijete ur\u010dit\u00e9ho v\u011bku, a nab\u00edz\u00ed v\u00e1m tak p\u0159ilep\u0161en\u00ed k [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":753,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[28,27],"class_list":["post-752","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni","tag-petr-motacek","tag-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>P\u0159ehledn\u011b o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed - 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