{"id":1797,"date":"2018-12-10T10:11:32","date_gmt":"2018-12-10T09:11:32","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=1797"},"modified":"2025-09-25T19:45:23","modified_gmt":"2025-09-25T17:45:23","slug":"zivotni-pojisteni-pro-zamestnance-i-zivnostniky","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2018\/12\/10\/zivotni-pojisteni-pro-zamestnance-i-zivnostniky\/","title":{"rendered":"Jste OSV\u010c, nebo zam\u011bstnanec? Mutumutu v\u00e1s pojist\u00ed bez rozd\u00edlu"},"content":{"rendered":"

Nemus\u00edte b\u00fdt nutn\u011b zam\u011bstnanec, m\u00e1me r\u00e1di i \u017eivnostn\u00edky. V\u00edme, \u017ee existuj\u00ed i jin\u00e9 formy, jak si vyd\u011blat na \u017eivot. T\u0159eba podnik\u00e1n\u00ed, freelancing, vlastn\u00ed firma\u2026 Jste motorem ekonomiky a proto u n\u00e1s uzav\u0159ete \u017eivotn\u00ed poji\u0161t\u011bn\u00ed za stejn\u00fdch podm\u00ednek jako zam\u011bstnanci.<\/b><\/p>\n

Nejsp\u00ed\u0161 v\u0161ichni OSV\u010c<\/a> maj\u00ed pocit, \u017ee jsou v\u016f\u010di st\u00e1tn\u00edmu syst\u00e9mu znev\u00fdhodn\u011bn\u00ed, a podle n\u00e1s to nen\u00ed jen pocit: \u201eLidi si ze z\u00e1kona plat\u00ed zdravotko, ale dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed si k tomu plat\u00ed m\u00e1lokdo, nato\u017e \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Kdy\u017e se zept\u00e1m deseti \u017eivnostn\u00edk\u016f, tak dev\u011bt z nich ani nev\u00ed, \u017ee by si n\u011bco takov\u00e9ho m\u011bli platit, a nev\u00ed, \u017ee by pak p\u0159i nemoci n\u011bco dostali,\u201c vysv\u011btluje Jind\u0159ich Lenz, spoluzakladatel online \u017eivotn\u00edho poji\u0161t\u011bn\u00ed Mutumutu.<\/span><\/p>\n

\"\u017divnostn\u00edci
\u017divnostn\u00edci maj\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed \u010dasto za vy\u0161\u0161\u00ed sazby. Ne u Mutumutu.<\/figcaption><\/figure>\n

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

V poji\u0161\u0165ovnictv\u00ed pracuje dev\u011bt let a pochopil, \u017ee zm\u011bny v kolosech nejdou tak lehce. Velk\u00e9 banky a poji\u0161\u0165ovny jsou strnul\u00e9 a d\u011blat v\u011bci jinak a jednodu\u0161eji je pro n\u011b tak trochu nadlidsk\u00fd \u00fakol. Mutumutu d\u00edky vyu\u017eit\u00ed modern\u00edch technologi\u00ed<\/a> \u0161et\u0159\u00ed pen\u00edze. Nem\u00e1 megalomansk\u00e9 kancel\u00e1\u0159e, nabl\u00fdskan\u00fd vozov\u00fd park ani tis\u00edce zam\u011bstnanc\u016f. Proto m\u016f\u017ee nab\u00eddnout lidem jednoduch\u00e9 online poji\u0161t\u011bn\u00ed \u017eivota<\/a>, invalidity<\/a> a v\u00fdpadku p\u0159\u00edjm\u016f t\u0159eba z d\u016fvodu\u00a0bolesti zad nebo vyho\u0159en\u00ed<\/a>. S t\u00edm po\u0159\u00e1d je\u0161t\u011b n\u011bkter\u00e9 poji\u0161\u0165ovny nepo\u010d\u00edtaj\u00ed, i kdy\u017e pat\u0159\u00ed mezi nej\u010dast\u011bj\u0161\u00ed d\u016fvody, pro\u010d lid\u00e9 na ur\u010ditou dobu \u201evypadnou\u201c z\u00a0pracovn\u00edho procesu, a p\u0159ich\u00e1zej\u00ed tak o p\u0159\u00edjem.\u00a0<\/span><\/p>\n

Pro n\u00e1s nejsou OSV\u010c rizikov\u00e1 skupina<\/b><\/h2>\n

\u017divnostn\u00edka mnoh\u00e9 b\u011b\u017en\u00e9 poji\u0161\u0165ovny sice pojist\u00ed, ale za vy\u0161\u0161\u00ed sazby, proto\u017ee je za\u0159azuj\u00ed do rizikov\u00e9 skupiny. Ob\u00e1vaj\u00ed se, \u017ee budou pracovat z domova a tv\u00e1\u0159it se jako nemocn\u00ed. <\/span><\/p>\n

\u201eMy m\u00e1me stejn\u00e9 podm\u00ednky pro \u017eivnostn\u00edky i zam\u011bstnance. Kdy\u017e \u017eivnostn\u00edci \u0159eknou, \u017ee jsou nemocn\u00ed a dolo\u017e\u00ed to pap\u00edrem od doktora, u\u017e to d\u00e1l ne\u0159e\u0161\u00edme. Jedin\u00fd rozd\u00edl mezi \u017eivnostn\u00edkem a zam\u011bstnancem je, \u017ee nemoc prokazuj\u00ed na jin\u00fdch dokumentech. Zam\u011bstnanec na neschopence a \u017eivnostn\u00edk na jin\u00e9m pap\u00ed\u0159e od doktora, kter\u00fd jen dokl\u00e1d\u00e1, \u017ee byl v tu a tu dobu nemocn\u00fd,\u201c vysv\u011btluje Jindra.<\/span><\/p>\n

\"Kdy\u017e
Kdy\u017e \u017eivnostn\u00edci \u0159eknou, \u017ee jsou nemocn\u00ed a dolo\u017e\u00ed to pap\u00edrem od doktora, u\u017e to d\u00e1l ne\u0159e\u0161\u00edme.<\/figcaption><\/figure>\n

Spravedliv\u00e9 po\u010d\u00edt\u00e1n\u00ed a rychl\u00e9 vypl\u00e1cen\u00ed<\/b><\/h2>\n

Pokud se volnono\u017eec u Mutumutu nepojist\u00ed na v\u00edc ne\u017e 15 000 K\u010d m\u011bs\u00ed\u010dn\u011b, nemus\u00ed dokl\u00e1dat p\u0159\u00edjem, sta\u010d\u00ed jen \u010destn\u00e9 prohl\u00e1\u0161en\u00ed. A\u017e p\u0159i vy\u0161\u0161\u00edch \u010d\u00e1stk\u00e1ch je pot\u0159eba dokl\u00e1dat p\u0159i nemoci nebo \u00farazu da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed. Logicky plat\u00ed, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed pojistku si u n\u00e1s \u010dlov\u011bk zaplat\u00ed, t\u00edm v\u00edc pen\u011bz pak v p\u0159\u00edpad\u011b nemoci dostane.<\/span><\/p>\n

\u201eJin\u00e1 poji\u0161t\u011bn\u00ed cht\u011bj\u00ed, aby \u017eivnostn\u00edci dolo\u017eili \u010dist\u00fd zisk. U n\u00e1s v p\u0159\u00edpad\u011b, \u017ee \u017eivnostn\u00edk dan\u00ed pau\u0161\u00e1ln\u00edm v\u00fddajem, pou\u017eijeme jako jeho \u010dist\u00fd zisk 50 % z celkov\u00fdch ro\u010dn\u00edch p\u0159\u00edjm\u016f. V\u00edme, \u017ee u voln\u00fdch povol\u00e1n\u00ed jako market\u00e9r, v\u00fdvoj\u00e1\u0159 apod. je samotn\u00fd \u010dist\u00fd p\u0159\u00edjem zkreslen\u00fd. Ani s vypl\u00e1cen\u00edm Mutumutu neot\u00e1l\u00ed. Jakmile n\u00e1m dod\u00e1 \u010dlov\u011bk neschopenku \u010di dal\u0161\u00ed doklady, n\u00e1\u0161 partner Komer\u010dn\u00ed poji\u0161tovna vypl\u00e1c\u00ed pen\u00edze. Kryje z\u00e1da n\u00e1m i na\u0161im z\u00e1kazn\u00edk\u016fm,\u201c shrnuje v\u00fdhody<\/a>\u00a0a uzav\u00edr\u00e1 Jindra. <\/span><\/p>\n

Spo\u010d\u00edtat, jak vyjde poji\u0161t\u011bn\u00ed pro m\u011b<\/a><\/div><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Nemus\u00edte b\u00fdt nutn\u011b zam\u011bstnanec, m\u00e1me r\u00e1di i \u017eivnostn\u00edky. V\u00edme, \u017ee existuj\u00ed i jin\u00e9 formy, jak si vyd\u011blat na \u017eivot. T\u0159eba podnik\u00e1n\u00ed, freelancing, vlastn\u00ed firma\u2026 Jste motorem ekonomiky a proto u n\u00e1s uzav\u0159ete \u017eivotn\u00ed poji\u0161t\u011bn\u00ed za stejn\u00fdch podm\u00ednek jako zam\u011bstnanci. Nejsp\u00ed\u0161 v\u0161ichni OSV\u010c maj\u00ed pocit, \u017ee jsou v\u016f\u010di st\u00e1tn\u00edmu syst\u00e9mu znev\u00fdhodn\u011bn\u00ed, a podle n\u00e1s to nen\u00ed …<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[94,120,38,308,32,61,39,117,216],"class_list":["post-1797","post","type-post","status-publish","format-standard","hentry","category-pojisteni","tag-30-pojisteni-zpet","tag-mutumutu","tag-online-pojisteni","tag-osvc","tag-pojisteni","tag-pojisteni-proti-vypadku-prijmu","tag-smlouva","tag-technologie","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1797","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=1797"}],"version-history":[{"count":9,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1797\/revisions"}],"predecessor-version":[{"id":5548,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1797\/revisions\/5548"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=1797"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=1797"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=1797"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}