{"id":2865,"date":"2021-11-11T12:20:41","date_gmt":"2021-11-11T11:20:41","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=2865"},"modified":"2026-04-02T05:52:27","modified_gmt":"2026-04-02T03:52:27","slug":"pojisteni-pracovni-neschopnosti-osvc","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2021\/11\/11\/pojisteni-pracovni-neschopnosti-osvc\/","title":{"rendered":"Nemocensk\u00e9 poji\u0161t\u011bn\u00ed OSV\u010c: Jak funguje a kdy se v\u00edce vyplat\u00ed poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti OSV\u010c"},"content":{"rendered":"<p><strong>V\u011bd\u011bli jste, \u017ee dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed OSV\u010c si plat\u00ed jen 16 % z nich? Zb\u00fdvaj\u00edc\u00edch 84 % z\u016fstane v p\u0159\u00edpad\u011b nemoci bez p\u0159\u00edjm\u016f. N\u011bjak\u00fd \u010das se to d\u00e1 zvl\u00e1dnout d\u00edky \u00faspor\u00e1m, ale co kdy\u017e se choroba prot\u00e1hne? A p\u0159itom sta\u010d\u00ed tak m\u00e1lo\u2026 P\u0159e\u010dt\u011bte si, jak funguj\u00ed dobrovoln\u00e9 a komer\u010dn\u00ed nemocensk\u00e9 poji\u0161t\u011bn\u00ed pro OSV\u010c, jak\u00fd je v nich rozd\u00edl a kter\u00e9 z nich se opravdu vyplat\u00ed.<\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Je nemocensk\u00e9 poji\u0161t\u011bn\u00ed pro OSV\u010c povinn\u00e9?<\/span><\/h2>\n<p><b>Nen\u00ed<\/b><span style=\"font-weight: 400;\"> \u2013 na rozd\u00edl od zam\u011bstnanc\u016f, kter\u00fdm se nemocensk\u00e9 automaticky strh\u00e1v\u00e1 ze mzdy. Na druh\u00e9 stran\u011b, <\/span><b>kdy\u017e marod\u00ed zam\u011bstnanec, vypl\u00e1c\u00ed mu zam\u011bstnavatel prvn\u00edch 14 dn\u00ed n\u00e1hradu mzdy<\/b><span style=\"font-weight: 400;\">, od 15. dne nemoci pak pob\u00edr\u00e1 <\/span><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2025\/09\/26\/vypocet-nemocenske-kolik-opravdu-dostanete-pri-pracovni-neschopnosti\/\"><span style=\"font-weight: 400;\">nemocenskou od st\u00e1tu<\/span><\/a><span style=\"font-weight: 400;\">. Kdy\u017e jste OSV\u010c, <\/span><b>ston\u00e1te na vlastn\u00ed n\u00e1klady.<\/b><span style=\"font-weight: 400;\"> A kdy\u017e jste zvykl\u00ed na ur\u010dit\u00e9 p\u0159\u00edjmy, najednou o n\u011b kv\u016fli pracovn\u00ed neschopnosti p\u0159ijdete.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V\u00e1\u017en\u00e9 nemoci se bohu\u017eel <\/span><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2025\/09\/18\/zivotni-pojisteni-a-rakovina-proc-je-dulezite-sjednat-si-ochranu-dokud-jste-mladi\/\"><span style=\"font-weight: 400;\">nevyh\u00fdbaj\u00ed ani mlad\u00fdm lidem<\/span><\/a><span style=\"font-weight: 400;\">. Pokud si jako OSV\u010c neplat\u00edte nemocensk\u00e9 poji\u0161t\u011bn\u00ed nebo nem\u00e1te jinou pojistku, <\/span><b>z\u016fstanete dlouhodob\u011b zcela bez p\u0159\u00edjm\u016f<\/b><span style=\"font-weight: 400;\">. A pokud \u017eiv\u00edte rodinu nebo spl\u00e1c\u00edte hypot\u00e9ku, je r\u00e1zem \u201ezad\u011bl\u00e1no\u201c na probl\u00e9m. Tak\u017ee pro OSV\u010c nen\u00ed nemocensk\u00e9 poji\u0161t\u011bn\u00ed povinn\u00e9, ale m\u00edt n\u011bjakou <\/span><b>finan\u010dn\u00ed jistotu pro p\u0159\u00edpad pracovn\u00ed neschopnosti rozhodn\u011b nen\u00ed na \u0161kodu<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/mutumutu.cz\/kalkulacka\/uvod'>Na kolik by m\u011b to vy\u0161lo?<\/a><\/div>\n<figure id=\"attachment_4850\" aria-describedby=\"caption-attachment-4850\" style=\"width: 1024px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-4850\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/11\/rodina-1024x683.jpeg\" alt=\"poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti osv\u010d\" width=\"1024\" height=\"683\" srcset=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/11\/rodina.jpeg 1024w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/11\/rodina-300x200.jpeg 300w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/11\/rodina-768x512.jpeg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption id=\"caption-attachment-4850\" class=\"wp-caption-text\">Pokud jste OSV\u010c a \u017eiv\u00edte rodinu nebo m\u00e1te hypot\u00e9ku, m\u011bli byste se starat o budoucnost. Foto: Profimedia<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">Jak platit nemocensk\u00e9 poji\u0161t\u011bn\u00ed OSV\u010c?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pokud se rozhodnete pro dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed OSV\u010c, mus\u00edte se p\u0159ihl\u00e1sit na okresn\u00ed spr\u00e1v\u011b soci\u00e1ln\u00edho zabezpe\u010den\u00ed (OSSZ).<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kam platit nemocensk\u00e9 poji\u0161t\u011bn\u00ed OSV\u010c:<\/b><span style=\"font-weight: 400;\"> na \u00fa\u010det, kter\u00fd v\u00e1m sd\u011bl\u00ed OSSZ. \u010c\u00edslo \u00fa\u010dtu pro platby nemocensk\u00e9ho poji\u0161t\u011bn\u00ed je odli\u0161n\u00e9 od \u00fa\u010dtu pro platby na d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kolik platit nemocensk\u00e9 poji\u0161t\u011bn\u00ed OSV\u010c:<\/b><span style=\"font-weight: 400;\"> minim\u00e1ln\u00ed m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stka pro rok 2026 je 243 K\u010d, ale platit m\u016f\u017eete samoz\u0159ejm\u011b i v\u00edce. Pokud nem\u00e1te dostatek \u00faspor, doporu\u010dujeme odv\u00e1d\u011bt tolik, abyste \u00fasp\u011b\u0161n\u011b p\u0159eklenuli prvn\u00ed m\u011bs\u00edc nebo dva p\u0159\u00edpadn\u00e9 dlouhodob\u00e9 nemoci.\u00a0<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed OSV\u010c v pau\u0161\u00e1ln\u00edm re\u017eimu<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pokud podnik\u00e1te jako OSV\u010c v pau\u0161\u00e1ln\u00edm re\u017eimu, platba na dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed je <\/span><b>omezena maxim\u00e1ln\u00ed \u010d\u00e1stkou podle va\u0161eho pau\u0161\u00e1ln\u00edho p\u00e1sma<\/b><span style=\"font-weight: 400;\">. To znamen\u00e1, \u017ee i kdybyste cht\u011bli, nem\u016f\u017eete si platit v\u00edc, ne\u017e stanovuje p\u00e1smo.\u00a0<\/span><\/p>\n<p><b>Pro rok 2026 vypadaj\u00ed maxim\u00e1ln\u00ed \u010d\u00e1stky takto:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">I. p\u00e1smo: 609 K\u010d\/m\u011bs\u00edc<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">II. p\u00e1smo: 758 K\u010d\/m\u011bs\u00edc<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">III. p\u00e1smo: 1 159 K\u010d\/m\u011bs\u00edc<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed versus komer\u010dn\u00ed poji\u0161t\u011bn\u00ed pro OSV\u010c<\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<td><\/td>\n<td><b>OSV\u010c dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed<\/b><\/td>\n<td><b>Komer\u010dn\u00ed poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti pro OSV\u010c<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Povinn\u00e9<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Ne<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ne<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>P\u0159ihl\u00e1\u0161en\u00ed<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Na OSSZ, online (<\/span><a href=\"https:\/\/eportal.cssz.cz\/fas\/formservice\/filler.open?DocID=13367052\"><span style=\"font-weight: 400;\">dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed OSV\u010c 2026 p\u0159ihl\u00e1\u0161en\u00ed<\/span><\/a><span style=\"font-weight: 400;\">)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Na pobo\u010dce poji\u0161\u0165oven, online<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>M\u011bs\u00ed\u010dn\u00ed platba<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Minim\u00e1ln\u011b 243 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Podle sjednan\u00e9 \u010d\u00e1stky<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>V\u00fd\u0161e d\u00e1vky<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Podle odvod\u016f<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Podle sjednan\u00e9 \u010d\u00e1stky<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>N\u00e1rok na d\u00e1vku nemocensk\u00e9ho poji\u0161t\u011bn\u00ed vznik\u00e1 a\u017e po 14 dnech<\/b><span style=\"font-weight: 400;\"> pracovn\u00ed neschopnosti, pokud jste nemocn\u00ed krat\u0161\u00ed dobu, nedostanete nic. Vypl\u00e1cen\u00e1 v\u00fd\u0161e nemocensk\u00e9ho poji\u0161t\u011bn\u00ed OSV\u010c z\u00e1vis\u00ed na tom, kolik odv\u00e1d\u00edte. <\/span><b>P\u0159i minim\u00e1ln\u00edch platb\u00e1ch dostanete jen n\u011bkolik des\u00edtek korun denn\u011b.<\/b><span style=\"font-weight: 400;\"> Abyste dostali vy\u0161\u0161\u00ed d\u00e1vku, mus\u00edte si zkr\u00e1tka p\u0159edem p\u0159iplatit. To je d\u016fvod, pro\u010d v\u011bt\u0161ina OSV\u010c pova\u017euje dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed za nev\u00fdhodn\u00e9.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pokud chcete m\u00edt jistotu, \u017ee p\u0159i nemoci nebudete z\u00e1visl\u00ed na \u201ez\u00e1kladu\u201c, nesta\u010d\u00ed spol\u00e9hat jen na st\u00e1t. Pro tyto p\u0159\u00edpady je tady komer\u010dn\u00ed <\/span><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2020\/11\/23\/pojisteni-pracovni-neschopnosti\/\"><b>poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/b><\/a><b>, kter\u00e9<\/b> <b>dorovn\u00e1 v\u00e1\u0161 chyb\u011bj\u00edc\u00ed p\u0159\u00edjem<\/b><span style=\"font-weight: 400;\"> v dob\u011b neschopenky.<\/span><\/p>\n<div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/mutumutu.cz\/pojisteni-pracovni-neschopnosti'>Chci m\u00edt finan\u010dn\u00ed jistotu i b\u011bhem nemoci<\/a><\/div>\n<figure id=\"attachment_4852\" aria-describedby=\"caption-attachment-4852\" style=\"width: 1024px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-4852\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/11\/pexels-ivan-samkov-6436256-1024x683.jpg\" alt=\"poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti osv\u010d\" width=\"1024\" height=\"683\" \/><figcaption id=\"caption-attachment-4852\" class=\"wp-caption-text\">\u010c\u00edm vy\u0161\u0161\u00ed pojistku si jako OSV\u010c u Mutumutu zaplat\u00edte, t\u00edm v\u00edc pak dostanete v p\u0159\u00edpad\u011b nemoci. Foto: Pexels<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">Jak\u00e9 poji\u0161t\u011bn\u00ed OSV\u010c pro p\u0159\u00edpad nemoci se tedy vyplat\u00ed?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ide\u00e1ln\u00ed je ob\u011b poji\u0161t\u011bn\u00ed nemoci OSV\u010c <\/span><b>zkombinovat<\/b><span style=\"font-weight: 400;\"> a v\u00fd\u0161i plateb nastavit podle toho, jestli m\u00e1te n\u011bjak\u00e9 \u00faspory.<\/span><\/p>\n<p><b>Pokud nem\u00e1te \u00faspory<\/b><span style=\"font-weight: 400;\">, doporu\u010dujeme platit si na dobrovoln\u00e9m nemocensk\u00e9m poji\u0161t\u011bn\u00ed tolik, abyste \u00fasp\u011b\u0161n\u011b p\u0159eklenuli prvn\u00ed dva m\u011bs\u00edce p\u0159\u00edpadn\u00e9 dlouhodob\u00e9 nemoci. K tomu p\u0159idejte poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti (sou\u010d\u00e1st \u017eivotn\u00edho poji\u0161t\u011bn\u00ed) a nastavte ho tak, aby v\u00e1m v kombinaci s nemocensk\u00fdm poji\u0161t\u011bn\u00edm pokrylo <\/span><a href=\"https:\/\/mutumutu.cz\/pojisteni-prijmu\"><span style=\"font-weight: 400;\">v\u00fdpadek p\u0159\u00edjmu<\/span><\/a><span style=\"font-weight: 400;\"> nebo alespo\u0148 va\u0161e n\u00e1klady v dal\u0161\u00edch m\u011bs\u00edc\u00edch.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pokud zvl\u00e1dnete <\/span><b>p\u0159eklenout prvn\u00edch p\u00e1r m\u011bs\u00edc\u016f z vlastn\u00edch \u00faspor<\/b><span style=\"font-weight: 400;\">, je pro v\u00e1s \u017eivotn\u00ed poji\u0161t\u011bn\u00ed s poji\u0161t\u011bn\u00edm pracovn\u00ed neschopnosti ve v\u00fdsledku v\u00fdhodn\u011bj\u0161\u00ed ne\u017e nemocensk\u00e9 poji\u0161t\u011bn\u00ed. Kdy\u017e si ale budete platit alespo\u0148 minim\u00e1ln\u00ed \u010d\u00e1stku dobrovoln\u00e9ho nemocensk\u00e9ho, nebudete muset v prvn\u00edch t\u00fddnech tolik s\u00e1hnout do \u00faspor.\u00a0<\/span><\/p>\n<p><b>Pro OSV\u010c s pau\u0161\u00e1ln\u00ed dan\u00ed<\/b><span style=\"font-weight: 400;\">, kter\u00e9 jsou zvykl\u00e9 na vy\u0161\u0161\u00ed p\u0159\u00edjmy, je rozhodn\u011b v\u00fdhodn\u011bj\u0161\u00ed komer\u010dn\u00ed poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti, proto\u017ee umo\u017e\u0148uje sjednat si v\u00fdplatu podle skute\u010dn\u00e9 pot\u0159eby.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">OSV\u010c a poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti v praxi\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Nap\u0159\u00edklad \u0160t\u011bp\u00e1n, 35 let, \u017eije s\u00e1m a nemoci moc ne\u0159e\u0161\u00ed. Plat\u00ed si <\/span><b>sice jenom minimum <\/b><span style=\"font-weight: 400;\">243 K\u010d na nemocensk\u00e9 poji\u0161t\u011bn\u00ed, p\u0159ipl\u00e1c\u00ed si v\u0161ak <\/span><b>305 K\u010d na \u017eivotn\u00ed<\/b> <a href=\"https:\/\/mutumutu.cz\/pojisteni-osvc\"><span style=\"font-weight: 400;\">poji\u0161t\u011bn\u00ed Mutumutu<\/span><\/a><span style=\"font-weight: 400;\"> (pojistn\u00e1 \u010d\u00e1stka na smrt 250 000 K\u010d za 64 K\u010d a 15 000 K\u010d na pracovn\u00ed neschopnost za 241 K\u010d). Po kousnut\u00ed kl\u00ed\u0161t\u011btem se nakazil encefalitidou a nebyl schopn\u00fd pracovat celkem 180 dn\u00ed.\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><\/td>\n<td><span style=\"font-weight: 400;\">M\u011bs\u00ed\u010dn\u00ed platba za poji\u0161t\u011bn\u00ed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">D\u00e1vka za prvn\u00edch 60 dn\u00ed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">D\u00e1vka 61.\u2013180. den<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Celkem<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">St\u00e1t<\/span><\/td>\n<td><span style=\"font-weight: 400;\">243 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7 886 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">23 160 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">31 046 K\u010d<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mutumutu<\/span><\/td>\n<td><span style=\"font-weight: 400;\">241 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">500 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">60 000 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">60 500 K\u010d<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">\u0160t\u011bp\u00e1n sice od Mutumutu v prvn\u00edch 59 dnech nedostal ani korunu, ale za cel\u00fdch 180 dn\u00ed obdr\u017eel <\/span><b>o 95 % v\u00edce ne\u017e z nemocensk\u00e9<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Druh\u00fd p\u0159\u00edklad je Krist\u00fdna, 36 let, kter\u00e1 m\u00e1 malou dceru a o p\u0159\u00edjmy se boj\u00ed v\u00edc. Proto si m\u011bs\u00ed\u010dn\u011b plat\u00ed 500 K\u010d na nemocenskou a <\/span><b>504 K\u010d na \u017eivotn\u00ed <\/b><a href=\"https:\/\/mutumutu.cz\/pojisteni-osvc\"><b>poji\u0161t\u011bn\u00ed Mutumutu<\/b><\/a><span style=\"font-weight: 400;\"> (pojistn\u00e1 \u010d\u00e1stka na smrt 100 000 K\u010d za 27 K\u010d a 18 000 K\u010d na pracovn\u00ed neschopnost za 477 K\u010d). Dostala ledvinovou koliku, kter\u00e1 po komplikac\u00edch skon\u010dila operac\u00ed. Krist\u00fdna z\u016fstala doma 90 dn\u00ed.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><\/td>\n<td><span style=\"font-weight: 400;\">M\u011bs\u00ed\u010dn\u00ed platba<\/span><\/td>\n<td><span style=\"font-weight: 400;\">D\u00e1vka prvn\u00edch 60 dn\u00ed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">D\u00e1vka 61.\u201390. den<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Celkem<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">St\u00e1t<\/span><\/td>\n<td><span style=\"font-weight: 400;\">500 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">16\u00a0124 K\u010d\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">11\u00a0850 K\u010d\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">27\u00a0974 K\u010d\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mutumutu<\/span><\/td>\n<td><span style=\"font-weight: 400;\">477 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">18 600 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">18\u00a0000 K\u010d\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">36\u00a0600 K\u010d<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">V prvn\u00edch 29 dnech Krist\u00fdna od Mutumutu nedostala nic, ale za cel\u00fdch 90 dn\u00ed obdr\u017eela o <\/span><b>30 % v\u00edce ne\u017e z nemocensk\u00e9<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Poji\u0161t\u011bn\u00ed nemocensk\u00e9 se OSV\u010c obecn\u011b vyplat\u00ed, ale Mutumutu jde je\u0161t\u011b d\u00e1l<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Samoz\u0159ejm\u011b je nejlep\u0161\u00ed, kdy\u017e se v\u00e1m nemoci i \u00farazy vyhnou a nemus\u00edte \u017e\u00e1dn\u00fd v\u00fdpadek p\u0159\u00edjmu \u0159e\u0161it. To bohu\u017eel za\u0159\u00eddit nedok\u00e1\u017eeme, ale <\/span><b>m\u016f\u017eeme v\u00e1m v t\u011bchto situac\u00edch pomoci<\/b><span style=\"font-weight: 400;\">. M\u00e1me jednoduch\u00e9 a kvalitn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 si sami sjedn\u00e1te za 10 minut. <\/span><b>A nav\u00edc v\u00e1s odm\u011bn\u00edme<\/b><span style=\"font-weight: 400;\">, pokud nekou\u0159\u00edte, chod\u00edte pravideln\u011b k doktorovi a sb\u00edr\u00e1te body za sportov\u00e1n\u00ed v na\u0161\u00ed aplikaci. A\u017e 30 % z ceny poji\u0161t\u011bn\u00ed v\u00e1m <\/span><b>vr\u00e1t\u00edme rovnou na \u00fa\u010det<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/mutumutu.cz\/odmena'>Jak to funguje?<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>V\u011bd\u011bli jste, \u017ee dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed OSV\u010c si plat\u00ed jen 16 % z nich? Zb\u00fdvaj\u00edc\u00edch 84 % z\u016fstane v p\u0159\u00edpad\u011b nemoci bez p\u0159\u00edjm\u016f. N\u011bjak\u00fd \u010das se to d\u00e1 zvl\u00e1dnout d\u00edky \u00faspor\u00e1m, ale co kdy\u017e se choroba prot\u00e1hne? A p\u0159itom sta\u010d\u00ed tak m\u00e1lo\u2026 P\u0159e\u010dt\u011bte si, jak funguj\u00ed dobrovoln\u00e9 a komer\u010dn\u00ed nemocensk\u00e9 poji\u0161t\u011bn\u00ed pro OSV\u010c, jak\u00fd je  &#8230;<\/p>\n","protected":false},"author":23,"featured_media":2867,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[308,352,457,216],"class_list":["post-2865","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-osvc","tag-pojisteni-pracovni-neschopnosti","tag-vse-o-pojisteni","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/2865","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\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=2865"}],"version-history":[{"count":27,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/2865\/revisions"}],"predecessor-version":[{"id":5623,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/2865\/revisions\/5623"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/2867"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=2865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=2865"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=2865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}