{"id":1578,"date":"2018-10-23T10:06:04","date_gmt":"2018-10-23T08:06:04","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=1578"},"modified":"2025-09-25T20:01:22","modified_gmt":"2025-09-25T18:01:22","slug":"proc-a-kdy-uzavrit-zivotni-pojisteni-a-resit-vypadek-prijmu","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2018\/10\/23\/proc-a-kdy-uzavrit-zivotni-pojisteni-a-resit-vypadek-prijmu\/","title":{"rendered":"Pro\u010d a kdy uzav\u0159\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? Nejlep\u0161\u00ed \u010das je pr\u00e1v\u011b te\u010f"},"content":{"rendered":"

Je fajn, kdy\u017e v\u00e1m n\u011bkdo aktivn\u011b kryje z\u00e1da v momentech, kdy \u0159e\u0161\u00edte v\u00fdpadek p\u0159\u00edjmu nap\u0159\u00edklad proto\u017ee v\u00e1\u017en\u011b onemocn\u00edte nebo se v\u00e1m stane autonehoda a m\u00e1te pak v\u00e1\u017en\u00e9 zdravotn\u00ed n\u00e1sledky. Pr\u00e1v\u011b pro tyto chv\u00edle je tady \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 si u Mutumutu m\u016f\u017eete zalo\u017eit \u00fapln\u011b jednodu\u0161e online. A kdy byste se ide\u00e1ln\u011b m\u011bli pojistit? Kdy\u017e je na v\u00e1s n\u011bkdo z\u00e1visl\u00fd, m\u00e1te d\u011bti, hypot\u00e9ku nebo t\u0159eba pr\u00e1v\u011b stav\u00edte d\u016fm. <\/b><\/p>\n

P\u0159edstavte si modelovou situaci: kamar\u00e1dy Karla a Petra. Karel je single t\u0159ic\u00e1tn\u00edk<\/strong> na voln\u00e9 noze, kter\u00fd je\u0161t\u011b bydl\u00ed u rodi\u010d\u016f. Ob\u010das dom\u016f p\u0159inese pen\u00edze<\/a>, ob\u010das ne. Nijak se t\u00edm ale netr\u00e1p\u00ed, pen\u00edze pro n\u011bj po\u0159\u00e1d je\u0161t\u011b nehraj\u00ed z\u00e1sadn\u00ed roli. Petrovi je tak\u00e9 30, jen u\u017e m\u00e1 \u017eenu a dv\u011b d\u011bti<\/strong>. \u017dije s nimi v byt\u011b na Vinohradech, kter\u00fd si po\u0159\u00eddil na hypot\u00e9ku. Tu spl\u00e1c\u00ed pravideln\u011b ka\u017ed\u00fd m\u011bs\u00edc. Nem\u00edt pen\u00edze je pro n\u011bj no\u010dn\u00ed m\u016fra. Oba se nez\u00e1visle na sob\u011b nabouraj\u00ed a skon\u010d\u00ed na t\u0159i m\u011bs\u00edce v rehabilita\u010dn\u00edm centru v Kladrubech. Oba nemaj\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>.<\/span><\/p>\n

\"\"
Pro\u010d si po\u0159\u00eddit \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?\u00a0Pro p\u0159\u00edpad, abyste nemuseli \u0159e\u0161it v\u00fdpadek p\u0159\u00edjmu nap\u0159\u00edklad proto\u017ee v\u00e1\u017en\u011b onemocn\u00edte nebo se v\u00e1m stane autonehoda a m\u00e1te pak v\u00e1\u017en\u00e9 zdravotn\u00ed n\u00e1sledky.<\/figcaption><\/figure>\n

Jak dopadne Karel a co Petr?<\/b><\/h2>\n

Karel to n\u011bjak zvl\u00e1d\u00e1, v\u00fdlohy za n\u011bj plat\u00ed rodi\u010de a a\u017e se uzdrav\u00ed, postupn\u011b jim to za\u010dne spl\u00e1cet. Petr ale mus\u00ed p\u0159es svou \u0161patnou fyzickou i psychickou kondici naj\u00edt co nejrychleji \u0159e\u0161en\u00ed, jak vyd\u011blat pen\u00edze, aby mohl spl\u00e1cet hypot\u00e9ku a zvl\u00e1dl i nad\u00e1le u\u017eivit svou \u017eenu a dv\u011b d\u011bti.<\/span><\/p>\n

\"\u017divotn\u00ed
\u017divotn\u00ed poji\u0161t\u011bn\u00ed je d\u016fle\u017eit\u00e9 zv\u00e1\u017eit, pokud je na v\u00e1s n\u011bkdo z\u00e1visl\u00fd, m\u00e1te d\u011bti, hypot\u00e9ku nebo t\u0159eba pr\u00e1v\u011b stav\u00edte d\u016fm.<\/figcaption><\/figure>\n

Mo\u017en\u00e1 \u017ee jste stejn\u011b jako Karel single<\/a> a nad poji\u0161t\u011bn\u00edm jste se je\u0161t\u011b nezam\u00fd\u0161leli, ale v\u011b\u0159te, \u017ee zalo\u017een\u00edm rodiny se va\u0161e priority tot\u00e1ln\u011b prom\u011bn\u00ed. \u201eJe to ment\u00e1ln\u00ed skok. V ml\u00e1d\u00ed \u010dlov\u011bk p\u0159em\u00fd\u0161l\u00ed nad t\u00edm, kam p\u016fjde o v\u00edkendu na p\u00e1rty, jestli pojede na hory te\u010f, nebo za dva t\u00fddny, zalo\u017een\u00edm rodiny se n\u00e1m ale my\u0161len\u00ed oto\u010d\u00ed o 180 stup\u0148\u016f,\u201c \u0159\u00edk\u00e1 Jind\u0159ich Lenz<\/a>, spoluzakladatel online poji\u0161t\u011bn\u00ed Mutumutu, kter\u00e9 nab\u00edz\u00ed poji\u0161t\u011bn\u00ed proti v\u00fdpadku p\u0159\u00edjm\u016f, invalidit\u011b<\/a> a smrti<\/a>.<\/span><\/p>\n

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

O poji\u0161t\u011bn\u00ed je dobr\u00e9 za\u010d\u00edt p\u0159em\u00fd\u0161let ve chv\u00edli, kdy je na va\u0161em p\u0159\u00edjmu z\u00e1visl\u00e1 i va\u0161e rodina.<\/strong> \u201eNejd\u016fle\u017eit\u011bj\u0161\u00ed je zaji\u0161t\u011bn\u00ed rodi\u010d\u016f. V letadle mus\u00edte tak\u00e9 nejd\u0159\u00edv nasadit d\u00fdchac\u00ed masku sob\u011b, a\u017e pak d\u011btem,\u201c \u0159\u00edk\u00e1 Lenz. Kdy\u017e onemocn\u00edte, m\u016f\u017eete si tak i v nemoci udr\u017eet sv\u016fj obvykl\u00fd p\u0159\u00edjem a v\u011bd\u011bt, \u017ee va\u0161i bl\u00edzc\u00ed budou moci \u017e\u00edt, jak byli i d\u0159\u00edv zvykl\u00ed. \u017divot<\/a> tak b\u011b\u017e\u00ed alespo\u0148 \u010d\u00e1ste\u010dn\u011b v obvykl\u00fdch kolej\u00edch. U Mutumutu se m\u016f\u017eete pojistit, kdykoliv uzn\u00e1te za vhodn\u00e9. Ale jak n\u011bkdy prav\u00ed klasik, v\u010dera bylo pozd\u011b. \u00a0<\/span><\/p>\n

\"\"
Kdy\u017e onemocn\u00edte, m\u016f\u017eete si d\u00edky Mutumutu udr\u017eet sv\u016fj obvykl\u00fd p\u0159\u00edjem. \u017divot tak b\u011b\u017e\u00ed alespo\u0148 \u010d\u00e1ste\u010dn\u011b v obvykl\u00fdch kolej\u00edch.<\/figcaption><\/figure>\n

\u017d\u00e1dn\u00e9 v\u00fdjimky ani nesrozumiteln\u00e9 smlouvy<\/b><\/h2>\n

Mutumutu kop\u00edruje soci\u00e1ln\u00ed syst\u00e9m, nic dal\u0161\u00edho nep\u0159ezkoum\u00e1v\u00e1 a zbyte\u010dn\u011b nezdr\u017euje s v\u00fdplatou pen\u011bz. Nenajdete v n\u011bm \u017e\u00e1dn\u00e9 nesrozumiteln\u00e9 smlouvy pln\u00e9 v\u00fdjimek pod \u010darou. V\u0161echno se vejde p\u0159ehledn\u011b na p\u00e1r stran, v\u0161echno zvl\u00e1dnete uzav\u0159\u00edt sami. \u201ePoji\u0161t\u011bn\u00ed<\/a>, kter\u00e1 d\u011bl\u00e1me, nejsou unik\u00e1tn\u00ed. To dnes nab\u00edz\u00ed r\u016fzn\u00e9 instituce. Unik\u00e1tn\u00ed jsme v tom<\/a>, \u017ee nem\u00e1me v\u00fdjimky, v\u00fdluky, komise, nepot\u0159ebujeme s\u00e1hodlouh\u00e1 vysv\u011btlov\u00e1n\u00ed. V\u00edme, \u017ee pokud v\u00e1s zran\u011bn\u00ed \u010di nemoc vy\u0159ad\u00ed z pr\u00e1ce<\/a>, m\u00e1te sv\u00fdch starost\u00ed dost,\u201c dod\u00e1v\u00e1 Jind\u0159ich. \u017divot m\u00e1te jen jeden, je proto dobr\u00e9 jej pro\u017e\u00edt naplno a v\u011bd\u011bt, \u017ee i kdy\u017e se v\u00e1m n\u011bco stane, nejste v tom sami. Rusk\u00fd spisovatel Tolstoj jednou \u0159ekl, \u017ee rodina je jednou z nevyhnuteln\u00fdch podm\u00ednek \u0161t\u011bst\u00ed. Co mysl\u00edte, m\u011bl pravdu?<\/span><\/p>\n

Spo\u010d\u00edtat, jak by vy\u0161lo poji\u0161t\u011bn\u00ed pro m\u011b<\/a><\/div><\/a><\/p>\n

V\u00a0Mutumutu\u00a0<\/a>podporujeme ty, kte\u0159\u00ed mysl\u00ed pozitivn\u011b a maj\u00ed r\u00e1di zdrav\u00fd \u017eivotn\u00ed styl. Za radost ze sportu odm\u011b\u0148ujeme 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","protected":false},"excerpt":{"rendered":"

Je fajn, kdy\u017e v\u00e1m n\u011bkdo aktivn\u011b kryje z\u00e1da v momentech, kdy \u0159e\u0161\u00edte v\u00fdpadek p\u0159\u00edjmu nap\u0159\u00edklad proto\u017ee v\u00e1\u017en\u011b onemocn\u00edte nebo se v\u00e1m stane autonehoda a m\u00e1te pak v\u00e1\u017en\u00e9 zdravotn\u00ed n\u00e1sledky. Pr\u00e1v\u011b pro tyto chv\u00edle je tady \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 si u Mutumutu m\u016f\u017eete zalo\u017eit \u00fapln\u011b jednodu\u0161e online. A kdy byste se ide\u00e1ln\u011b m\u011bli pojistit? Kdy\u017e je …<\/p>\n","protected":false},"author":18,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,30],"tags":[94,120,65,38,32,61,59,39,40,216,66,42],"class_list":["post-1578","post","type-post","status-publish","format-standard","hentry","category-pojisteni","category-zdravi","tag-30-pojisteni-zpet","tag-mutumutu","tag-nahrada-mzdy","tag-online-pojisteni","tag-pojisteni","tag-pojisteni-proti-vypadku-prijmu","tag-pojisteni-zivota","tag-smlouva","tag-zdravi","tag-zivotni-pojisteni","tag-zivotni-pojisteni-online","tag-zivotni-styl"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1578","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\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=1578"}],"version-history":[{"count":13,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1578\/revisions"}],"predecessor-version":[{"id":5561,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1578\/revisions\/5561"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=1578"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=1578"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=1578"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}