{"id":1024,"date":"2018-08-13T15:40:05","date_gmt":"2018-08-13T13:40:05","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=1024"},"modified":"2025-09-24T14:56:09","modified_gmt":"2025-09-24T12:56:09","slug":"blog-3-pojisteni-od-mutumutu-ktera-bezne-pojistovny-nenabizeji","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2018\/08\/13\/blog-3-pojisteni-od-mutumutu-ktera-bezne-pojistovny-nenabizeji\/","title":{"rendered":"Syndrom vyho\u0159en\u00ed, invalidita nebo poji\u0161t\u011bn\u00ed \u017eivota. S n\u00e1mi to zvl\u00e1dnete"},"content":{"rendered":"

Poji\u0161t\u011bn\u00ed \u017eivota, invalidity<\/a> a poji\u0161t\u011bn\u00ed proti v\u00fdpadku p\u0159\u00edjmu t\u0159eba kv\u016fli bolesti zad nebo vyho\u0159en\u00ed. V Mutumutu<\/a> nepoji\u0161\u0165ujeme v\u0161echno, ale vyb\u00edr\u00e1me si to podstatn\u00e9. P\u0159ed\u011blali jsme poji\u0161t\u011bn\u00ed od z\u00e1klad\u016f, aby odpov\u00eddalo tomu, jak dnes lid\u00e9 \u017eij\u00ed. P\u0159ijde n\u00e1m absurdn\u00ed, \u017ee dne\u0161n\u00ed poji\u0161\u0165ovny nepoji\u0161\u0165uj\u00ed to, co my.\u00a0<\/b><\/p>\n

    \n
  1. \n

    Syndrom vyho\u0159en\u00ed a jin\u00e9 psychick\u00e9 probl\u00e9my<\/b><\/h2>\n<\/li>\n<\/ol>\n

    V\u00edte \u017ee, psychick\u00e9 probl\u00e9my stoj\u00ed za 20 % pracovn\u00edch neschopnost\u00ed a 25 % v\u0161ech invalidn\u00edch d\u016fchod\u016f v \u010cR? Stres<\/a> v zam\u011bstn\u00e1n\u00ed vede \u010dasto k vyho\u0159en\u00ed, ale v Mutumutu<\/a> se na n\u011bj m\u016f\u017eete pojistit. I na jin\u00e9 obt\u00ed\u017ee. I kdy\u017e se o nich nemluv\u00ed a je to velk\u00e9 spole\u010densk\u00e9 tabu, bereme to v\u00e1\u017en\u011b. Na trhu najdete p\u00e1r poji\u0161\u0165oven<\/a>, kter\u00e9 v\u00e1m vyplat\u00ed rentu v invalidn\u00edm d\u016fchodu. Mutumutu ji plat\u00ed i za psychick\u00e9 choroby<\/a>.<\/span><\/p>\n\"\"\n

    Bolest zad a poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/b><\/h2>\n

    Z pr\u00e1ce v\u00e1s na dlouhou dobu m\u016f\u017ee vy\u0159adit t\u0159eba bolest zad<\/a>, l\u00e9\u010dba se \u010dasto t\u00e1hne a vy se mus\u00edte d\u00e1t do kupy, ne \u0159e\u0161it existen\u010dn\u00ed probl\u00e9my, kdy\u017e m\u00e1te plnou hlavu jin\u00fdch v\u011bc\u00ed. Kdy\u017e nem\u016f\u017eete vyd\u011bl\u00e1vat, pen\u00edze chyb\u00ed. S Mutumutu o v\u00fdd\u011blek nep\u0159ijdete. A to nejen v p\u0159\u00edpad\u011b bolesti zad, ale i jin\u00fdch v\u00e1\u017en\u00fdch zdravotn\u00edch obt\u00ed\u017e\u00ed, kter\u00e9 v\u00e1s dostanou ze hry<\/a>.<\/span><\/p>\n

    V\u00edce o Mutumutu<\/a><\/div>\n

    Neplat\u00edme za bolest, plat\u00edme, kdy\u017e m\u00e1te skute\u010dn\u00fd v\u00fdpadek p\u0159\u00edjm\u016f. Tak\u017ee kdy\u017e si zlom\u00edte mal\u00ed\u010dek na ruce, pen\u00edze<\/a> od n\u00e1s jen kv\u016fli zlomenin\u011b nedostanete. Ale pokud ten mal\u00ed\u010dek ovlivn\u00ed va\u0161i schopnost pracovat, proto\u017ee ho pot\u0159ebujete t\u0159eba jako klav\u00edrista nebo kucha\u0159, n\u00e1hrada mzdy za do\u010dasnou pracovn\u00ed neschopnost je u n\u00e1s samoz\u0159ejmost. \u00a0\u00a0<\/span><\/p>\n\"\"\n

    \n

    Mutumutu loves OSV\u010c<\/i><\/b><\/h2>\n

    Ned\u011bl\u00e1me rozd\u00edly mezi t\u00edm, zda jste zam\u011bstnanec nebo na voln\u00e9 noze. Naopak. Zodpov\u011bdn\u00e9 freelancery a podnikatele taky podporujeme, co\u017e v \u010desk\u00e9m poji\u0161\u0165ovnictv\u00ed nen\u00ed standard. Uv\u011bdomujeme si, \u017ee podnikatel\u00e9 jsou motorem na\u0161\u00ed ekonomiky, a nechceme pro odv\u00e1\u017en\u011bj\u0161\u00ed nastavovat jin\u00e1 pravidla. Zam\u011bstnanc\u016fm nemocenskou ze z\u00e1kona hrad\u00ed zam\u011bstnavatel, jsou tedy chr\u00e1n\u011bn\u00ed, ale OSV\u010c<\/a> to maj\u00ed mnohem t\u011b\u017e\u0161\u00ed. Kdy\u017e onemocn\u00ed a neplat\u00ed si krom\u011b povinn\u00e9ho zdravotn\u00edho poji\u0161t\u011bn\u00ed tak\u00e9 nemocenskou, neschopenka od l\u00e9ka\u0159e je jim dobr\u00e1 leda na z\u00e1top v kamnech. I kdyby si st\u00e1tn\u00ed nemocenskou platili, je pro n\u011b v pom\u011bru cena\/v\u00fdkon pon\u011bkud nev\u00fdhodn\u00e1. Na\u0161t\u011bst\u00ed se d\u00e1 u n\u00e1s jednodu\u0161e nahradit poji\u0161t\u011bn\u00edm pracovn\u00ed neschopnosti.<\/span><\/i><\/p>\n

     <\/p><\/blockquote>\n

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    1. \n

      Poji\u0161t\u011bn\u00ed invalidity<\/b><\/h2>\n<\/li>\n<\/ol>\n

      Jinde vol\u00edte \u010d\u00e1stku, na jakou se pojist\u00edte. Jen\u017ee kdy\u017e se v\u00e1m n\u011bco stane ve t\u0159iceti, tak v\u00e1s asi mili\u00f3n nespas\u00ed. Zkuste si schv\u00e1ln\u011b rozd\u011blit mili\u00f3n korun t\u0159eba na 30 let, a ty pak d\u00e1le na jednotliv\u00e9 m\u011bs\u00edce. Vych\u00e1z\u00ed to na necel\u00e9 3 000 m\u011bs\u00ed\u010dn\u011b. S Mutumutu<\/a> to funguje jinak. Vypl\u00e1c\u00edme m\u011bs\u00ed\u010dn\u00ed rentu a vy si sami ur\u010d\u00edte jej\u00ed v\u00fd\u0161i a dobu poji\u0161t\u011bn\u00ed<\/a>. Po dobu poji\u0161t\u011bn\u00ed m\u00e1te jistotu, \u017ee si spolu s invalidn\u00edm d\u016fchodem m\u016f\u017eete udr\u017eet stejn\u00fd p\u0159\u00edjem jako p\u0159ed nemoc\u00ed<\/a> \u010di \u00farazem.<\/span><\/p>\n

      \"\"
      U n\u00e1s m\u00e1te jistotu, \u017ee si spolu s invalidn\u00edm d\u016fchodem m\u016f\u017eete udr\u017eet stejn\u00fd p\u0159\u00edjem jako p\u0159ed nemoc\u00ed \u010di \u00farazem.<\/figcaption><\/figure>\n
        \n
      1. \n

        Zaji\u0161t\u011bn\u00ed rodiny, pokud se v\u00e1m n\u011bco stane<\/b><\/h2>\n<\/li>\n<\/ol>\n

        Zpravidla byste se m\u011bli pojistit na dobu, po kterou je n\u011bkdo z\u00e1visl\u00fd na va\u0161em p\u0159\u00edjmu (nap\u0159\u00edklad va\u0161e d\u011bti<\/a>), a po dobu, kdy aktivn\u011b ka\u017ed\u00fd den pracujete. Kdy\u017e se v\u00e1m pak n\u011bco stane, rodina bude m\u00edt p\u0159\u00edjem, na kter\u00fd je zvykl\u00e1. Mutumutu<\/a> (\u017eivotn\u00ed poji\u0161t\u011bn\u00ed online<\/a>) to d\u011bl\u00e1 f\u00e9rov\u011b a bez v\u00fdjimek. To je vlastn\u011b z\u00e1klad, na kter\u00e9m jsou postavena v\u0161echna na\u0161e poji\u0161t\u011bn\u00ed. D\u011bl\u00e1me je pro lidi, jednodu\u0161e, bez kli\u010dek a h\u00e1\u010dk\u016f. U n\u00e1s si pojist\u00edte to opravdu podstatn\u00e9.<\/span><\/p>\n

        V\u00a0Mutumutu<\/a>\u00a0m\u00e1me r\u00e1di pohyb a zdrav\u00fd \u017eivotn\u00ed styl.\u00a0 Za radost ze sportu v\u00e1s odm\u011bn\u00edme vr\u00e1cen\u00edm 20 % z ceny poji\u0161t\u011bn\u00ed. Dal\u0161\u00edch 5 % z\u00edsk\u00e1te za to, \u017ee nekou\u0159\u00edte a 5 % za to, \u017ee chod\u00edte na pravideln\u00e9 l\u00e9ka\u0159sk\u00e9 prohl\u00eddky.<\/strong><\/em><\/p>\n

        A\u017e 30 % zp\u011bt<\/a><\/div><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

        Poji\u0161t\u011bn\u00ed \u017eivota, invalidity a poji\u0161t\u011bn\u00ed proti v\u00fdpadku p\u0159\u00edjmu t\u0159eba kv\u016fli bolesti zad nebo vyho\u0159en\u00ed. V Mutumutu nepoji\u0161\u0165ujeme v\u0161echno, ale vyb\u00edr\u00e1me si to podstatn\u00e9. P\u0159ed\u011blali jsme poji\u0161t\u011bn\u00ed od z\u00e1klad\u016f, aby odpov\u00eddalo tomu, jak dnes lid\u00e9 \u017eij\u00ed. P\u0159ijde n\u00e1m absurdn\u00ed, \u017ee dne\u0161n\u00ed poji\u0161\u0165ovny nepoji\u0161\u0165uj\u00ed to, co my.\u00a0 Syndrom vyho\u0159en\u00ed a jin\u00e9 psychick\u00e9 probl\u00e9my V\u00edte \u017ee, psychick\u00e9 probl\u00e9my …<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,30],"tags":[62,65,38,32,60,61,59,64,39,63,66],"class_list":["post-1024","post","type-post","status-publish","format-standard","hentry","category-pojisteni","category-zdravi","tag-bolest-zad","tag-nahrada-mzdy","tag-online-pojisteni","tag-pojisteni","tag-pojisteni-invalidity","tag-pojisteni-proti-vypadku-prijmu","tag-pojisteni-zivota","tag-psychicke-problemy","tag-smlouva","tag-syndrom-vyhoreni","tag-zivotni-pojisteni-online"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1024","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=1024"}],"version-history":[{"count":21,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1024\/revisions"}],"predecessor-version":[{"id":5503,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1024\/revisions\/5503"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=1024"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=1024"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=1024"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}