{"id":1502,"date":"2018-10-10T08:19:54","date_gmt":"2018-10-10T06:19:54","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=1502"},"modified":"2025-09-25T19:28:28","modified_gmt":"2025-09-25T17:28:28","slug":"blog-ozdravujeme-trh-zivotniho-pojisteni","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2018\/10\/10\/blog-ozdravujeme-trh-zivotniho-pojisteni\/","title":{"rendered":"Ozdravujeme trh \u017eivotn\u00edho poji\u0161t\u011bn\u00ed"},"content":{"rendered":"

V Home Creditu, kter\u00fd vedl jako gener\u00e1ln\u00ed \u0159editel, m\u011bl David Bystrzycki vlastn\u00ed inova\u010dn\u00ed farmu a nech\u00e1val si stav\u011bt startupy na zak\u00e1zku. V\u017edy se toti\u017e zaj\u00edmal o v\u0161e, co souvis\u00ed s technologick\u00fdmi inovacemi. Proto bylo logick\u00e9, kdy\u017e po odchodu z Home Creditu zam\u00ed\u0159il do Creative Docku, kde pro n\u011bj d\u0159\u00edv stav\u011bli t\u0159eba Zonky. Te\u010f s\u00e1m buduje spolu s Jind\u0159ichem Lenzem<\/a> startup Mutumutu<\/a>. Zat\u00edmco Jind\u0159ich se soust\u0159ed\u00ed na ka\u017edodenn\u00ed byznys, produkt, z\u00e1kazn\u00edky a v\u0161e kolem toho, David sh\u00e1n\u00ed hlavn\u011b investory a \u0159e\u0161\u00ed mezin\u00e1rodn\u00ed expanzi. <\/b><\/p>\n

\n

Vystudoval matfyz na Univerzit\u011b Karlov\u011b, m\u00e1 titul MBA z Katz Business School v Pittsburghu, byl gener\u00e1ln\u00edm \u0159editelem Home Creditu v \u010cesku a na Slovensku. Je mu 47 let, m\u00e1 \u017eenu a 3 d\u011bti.<\/i><\/b><\/h2>\n

 <\/p><\/blockquote>\n

V\u00edce o Mutumutu<\/a><\/div>
\nJak\u00fd je rozd\u00edl mezi t\u00edm, kdy\u017e zad\u00e1v\u00e1te startupy a kdy\u017e je s\u00e1m stav\u00edte?
\n<\/b>Nad\u0161en\u00ed je stejn\u00e9. Ale kdy\u017e jsem byl zadavatel, nepotk\u00e1val jsem se denn\u011b s t\u011bmi, kte\u0159\u00ed na startupu pracuj\u00ed. Te\u010f v Creative Docku<\/strong><\/a> sed\u00edm vedle program\u00e1tor\u016f, s produk\u0165\u00e1ky a finan\u010d\u00e1ky. M\u00e1m prst na tepu doby.<\/p>\n

Kolik lid\u00ed na Mutumutu pracuje?
\n<\/b>Za\u010d\u00ednali jsme v lednu v p\u011bti, te\u010f je n\u00e1s asi 25. Plus spolupracovn\u00edci. Do konce z\u00e1\u0159\u00ed jsme testovali poji\u0161t\u011bn\u00ed mezi p\u0159\u00e1teli, rodinou a externisty, od 1. \u0159\u00edjna jsme ho otev\u0159eli pro klienty, kter\u00e9 jsme nasb\u00edrali. Za prvn\u00ed t\u0159i dny jsme pojistili 50 z\u00e1kazn\u00edk\u016f na 100 mili\u00f3n\u016f korun. Za\u010dala marketingov\u00e1 kampa\u0148.\u00a0<\/span><\/p>\n

Co se v\u00e1m na Mutumutu nejv\u00edc l\u00edb\u00ed?
\n<\/b>\u017de ozdravujeme trh \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. Online poji\u0161t\u011bn\u00ed u\u017e lze sjednat skoro na cokoliv, ale na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> to dosud moc ne\u0161lo. To chceme zm\u011bnit. M\u00e1me v z\u00e1dech partnera, velkou poji\u0161\u0165ovnu, kter\u00e1 dok\u00e1\u017ee b\u00fdt inovativn\u00ed a bere n\u00e1s jako partnery. Je to spojen\u00ed technologick\u00e9ho startupu s poji\u0161\u0165ovnou, kter\u00e1 m\u00e1 otev\u0159enou mysl. Na n\u00e1s je vymyslet, jak to cel\u00e9 bude fungovat, jak\u00e9 bude propojen\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed s preven\u010dn\u00edm programem, nastavit komunikaci s klienty a marketing.<\/p>\n

\n

Kdy\u017e si \u010dlov\u011bk nech\u00e1 za p\u016fj\u010den\u00e9 pen\u00edze zrekonstruovat kuchy\u0148, vid\u00ed v\u00fdsledek hned. Ale kdy\u017e se \u010dlov\u011bk pojist\u00ed, je to nejlep\u0161\u00ed, co se mu m\u016f\u017ee st\u00e1t, \u017ee u\u017e ty pen\u00edze nikdy neuvid\u00ed.<\/i><\/b><\/h2>\n<\/blockquote>\n

Bude Mutumutu podobn\u011b \u00fasp\u011b\u0161n\u00e9 jako Zonky?
\n<\/b>V\u011b\u0159\u00edm, \u017ee i kdy\u017e je poji\u0161t\u011bn\u00ed jin\u00e9 a slo\u017eit\u011bj\u0161\u00ed ne\u017e \u00fav\u011bry, \u017ee taky usp\u011bje. V t\u00fdmu vid\u00edm pot\u0159ebnou energii. Lid\u00e9 jako Jind\u0159ich Lenz na projektu pracuj\u00ed do noci, ne \u017ee by museli, ale proto\u017ee cht\u011bj\u00ed.<\/span><\/p>\n\"\"\n

 <\/p>\n

V \u010dem je poji\u0161t\u011bn\u00ed slo\u017eit\u011bj\u0161\u00ed ne\u017e p\u016fj\u010dky?
\n<\/b>\u00dav\u011bry jsou jasn\u00e9, n\u011bkdo si chce koupit auto, nem\u00e1 dost pen\u011bz, pot\u0159ebuje si p\u016fj\u010dit. Nezn\u00e1m moc lid\u00ed, kte\u0159\u00ed by se r\u00e1no probudili a \u0159ekli si, \u017ee si p\u016fjdou zalo\u017eit \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Je to jin\u00e9 i v tom, \u017ee kdy\u017e si \u010dlov\u011bk nech\u00e1 za p\u016fj\u010den\u00e9 pen\u00edze zrekonstruovat kuchy\u0148, vid\u00ed v\u00fdsledek hned. Ale kdy\u017e se pojist\u00ed, je to nejlep\u0161\u00ed, co se mu m\u016f\u017ee st\u00e1t, \u017ee u\u017e ty pen\u00edze nikdy neuvid\u00ed. Plat\u00ed si pocit jistoty, \u017ee kdyby se n\u00e1hodou n\u011bco stalo, je zaji\u0161t\u011bn\u00fd.<\/span><\/p>\n

\n

Kdy\u017e m\u00e1 \u010dlov\u011bk rodinu a p\u0159\u00edjem, na kter\u00e9m jsou jeho bl\u00edzc\u00ed z\u00e1visl\u00ed, je p\u0159irozen\u00e1 v\u011bc se chr\u00e1nit.<\/i><\/b><\/h2>\n<\/blockquote>\n

V \u010dem je Mutumutu jin\u00e9?
\n<\/b>Je co nejjednodu\u0161\u0161\u00ed. M\u00e1me minimum v\u00fdjimek z poji\u0161t\u011bn\u00ed, jednoduch\u00fd jazyk, bez hv\u011bzdi\u010dek. M\u00edsto pojistn\u00fdch podm\u00ednek m\u00e1me jednoduch\u00e9ho pr\u016fvodce. Na\u0161e smlouva m\u00e1 jen p\u00e1r stran, proto\u017ee jsme nad n\u00ed p\u0159em\u00fd\u0161leli z pohledu klienta. Jinde zmen\u0161uj\u00ed p\u00edsmo, aby m\u011bli m\u00e1lo str\u00e1nek, my ho naopak zv\u011bt\u0161ili. <\/span><\/p>\n

Mutumutu vrac\u00ed \u010d\u00e1st pojistn\u00e9ho t\u011bm, kte\u0159\u00ed o sebe pe\u010duj\u00ed. Pro\u010d?
\n<\/b>P\u0159idali jsme nav\u00edc element zdrav\u00e9ho \u017eivotn\u00edho stylu, tak\u017ee kdy\u017e dob\u0159e j\u00edte, sportujete, star\u00e1te se o sebe, chod\u00edte na preventivn\u00ed prohl\u00eddky, tak je taky men\u0161\u00ed pravd\u011bpodobnost, \u017ee se v\u00e1m n\u011bco stane. U\u0161et\u0159\u00edme na vyplacen\u00fdch pojistn\u00fdch ud\u00e1lostech a p\u0159ipad\u00e1 n\u00e1m spr\u00e1vn\u00e9 tu \u00fasporu vr\u00e1tit zp\u011bt klient\u016fm. T\u00edm p\u00e1dem dostanete \u010d\u00e1st pen\u011bz zp\u00e1tky. Pro n\u00e1s je to z\u00e1rove\u0148 i \u00a0zp\u016fsob, jak o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed mluvit. Kdy\u017e se pod\u00edv\u00e1te na to, jak se v reklam\u00e1ch promuje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, tak to v\u011bt\u0161inou nen\u00ed nic vesel\u00e9ho: N\u011bco se v\u00e1m m\u016f\u017ee st\u00e1t, ale kdy\u017e se pojist\u00edte, tak to bude dobr\u00e9. Je to sp\u00ed\u0161 stra\u0161en\u00ed. V\u011b\u0159\u00edme, \u017ee se na to d\u00e1 j\u00edt jinak, a \u0159\u00edk\u00e1me: Kdy\u017e m\u00e1 \u010dlov\u011bk rodinu a p\u0159\u00edjem, na kter\u00e9m jsou jeho bl\u00edzc\u00ed z\u00e1visl\u00ed, je p\u0159irozen\u00e1 v\u011bc se chr\u00e1nit.<\/p>\n\"\"\n

 <\/p>\n

Ve va\u0161\u00ed kampani stoj\u00ed: V\u00e1s nepojist\u00edme. Tak\u017ee kdo nesportuje, ten u v\u00e1s nem\u00e1 \u0161anci?
\n<\/b>N\u00e1\u0161 produkt spojuje zdrav\u00fd \u017eivotn\u00ed styl a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, nen\u00ed v\u0161ak pro \u017e\u00e1dn\u00e9 supermany, je pro norm\u00e1ln\u00ed lidi. Chod\u00edte pravideln\u011b k doktorovi jednou za dva roky? Bum, m\u00e1te za to n\u011bjak\u00e9 body. Neb\u011bh\u00e1te ani nejezd\u00edte na kole, ale chod\u00edte? Tak si m\u016f\u017eete celou slevu vychodit. Je to hodn\u011b motiva\u010dn\u00ed, osobn\u011b bojuju s nadv\u00e1hou skoro cel\u00fd sv\u016fj pracovn\u00ed \u017eivot a i m\u011b to motivuje k tomu, abych se o sebe l\u00e9pe staral. A z\u00e1rove\u0148 jsem i l\u00e9pe poji\u0161t\u011bn\u00fd.<\/span><\/p>\n

\n

Mutumutu nen\u00ed pro supermany, je pro norm\u00e1ln\u00ed lidi.\u00a0<\/i><\/b><\/h2>\n<\/blockquote>\n
V\u00edce o Mutumutu<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

V Home Creditu, kter\u00fd vedl jako gener\u00e1ln\u00ed \u0159editel, m\u011bl David Bystrzycki vlastn\u00ed inova\u010dn\u00ed farmu a nech\u00e1val si stav\u011bt startupy na zak\u00e1zku. V\u017edy se toti\u017e zaj\u00edmal o v\u0161e, co souvis\u00ed s technologick\u00fdmi inovacemi. Proto bylo logick\u00e9, kdy\u017e po odchodu z Home Creditu zam\u00ed\u0159il do Creative Docku, kde pro n\u011bj d\u0159\u00edv stav\u011bli t\u0159eba Zonky. Te\u010f s\u00e1m buduje …<\/p>\n","protected":false},"author":13,"featured_media":1504,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[94,120,38,32,60,61,59,39,113,66,42],"class_list":["post-1502","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-30-pojisteni-zpet","tag-mutumutu","tag-online-pojisteni","tag-pojisteni","tag-pojisteni-invalidity","tag-pojisteni-proti-vypadku-prijmu","tag-pojisteni-zivota","tag-smlouva","tag-startupy","tag-zivotni-pojisteni-online","tag-zivotni-styl"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1502","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=1502"}],"version-history":[{"count":7,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1502\/revisions"}],"predecessor-version":[{"id":5538,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1502\/revisions\/5538"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/1504"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=1502"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=1502"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=1502"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}