{"id":2945,"date":"2019-12-10T17:07:53","date_gmt":"2019-12-10T16:07:53","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=2945"},"modified":"2021-02-01T11:46:40","modified_gmt":"2021-02-01T10:46:40","slug":"zivotni-pojisteni-smlouva-ctete-ji-pozorne-a-nenechte-se-odbyt","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2019\/12\/10\/zivotni-pojisteni-smlouva-ctete-ji-pozorne-a-nenechte-se-odbyt\/","title":{"rendered":"Jak na pojistn\u00e9 smlouvy? \u010ct\u011bte je pozorn\u011b a nenechte se odb\u00fdt"},"content":{"rendered":"<p><b>A\u017e \u010dtvrtina \u010cech\u016f p\u0159izn\u00e1v\u00e1, \u017ee nerozum\u00ed pojistn\u00fdm smlouv\u00e1m. A \u0159ada z nich je dokonce v\u016fbec ne\u010dte. Na jednu stranu je to pochopiteln\u00e9, pojistky n\u00e1m p\u0159ijdou slo\u017eit\u00e9. Na druhou se tak ale dobrovoln\u011b p\u0159ipravujeme o pen\u00edze. \u0158e\u0161en\u00ed p\u0159itom existuje.\u00a0<\/b><\/p>\n<p><b>Jak tedy za\u0159\u00eddit, aby v\u00e1m pen\u00edze za pojistn\u00e9 neprotekly mezi prsty?\u00a0<\/b><\/p>\n<figure id=\"attachment_2947\" aria-describedby=\"caption-attachment-2947\" style=\"width: 850px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-2947\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/12\/profimedia-0451852605-1-300x200.jpg\" alt=\"B\u011b\u017en\u00e1 smlouva o poji\u0161t\u011bn\u00ed m\u00edv\u00e1 i 60 str\u00e1nek.\" width=\"850\" height=\"567\" srcset=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/12\/profimedia-0451852605-1-300x200.jpg 300w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/12\/profimedia-0451852605-1-768x512.jpg 768w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/12\/profimedia-0451852605-1-1024x683.jpg 1024w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/12\/profimedia-0451852605-1.jpg 1800w\" sizes=\"auto, (max-width: 850px) 100vw, 850px\" \/><figcaption id=\"caption-attachment-2947\" class=\"wp-caption-text\">B\u011b\u017en\u00e1 smlouva na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u00edv\u00e1 i 60 str\u00e1nek.<\/figcaption><\/figure>\n<h2><b>Pojistn\u00e9 smlouvy \u010dt\u011bte pozorn\u011b<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nikdo to za v\u00e1s neud\u011bl\u00e1. Jak \u0159\u00edk\u00e1 zakladatel \u017eivotn\u00edho poji\u0161t\u011bn\u00ed Mutumutu Jindra Lenz: <\/span><span style=\"font-weight: 400;\">\u201e<\/span><span style=\"font-weight: 400;\">Pro b\u011b\u017en\u00e9ho \u010dlov\u011bka, kter\u00fd nepracuje v <a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2018\/09\/17\/blog-chci-zmenit-povest-pojistovnictvi\/\" target=\"_blank\" rel=\"noopener\">poji\u0161\u0165ovnictv\u00ed<\/a>, jsou smlouvy a obchodn\u00ed podm\u00ednky v\u011bt\u0161iny poji\u0161\u0165oven moc slo\u017eit\u00e9.<\/span><span style=\"font-weight: 400;\">\u201c<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u201eTo ale neznamen\u00e1, \u017ee bychom se na n\u011b m\u011bli vyka\u0161lat,\u201c dod\u00e1v\u00e1. B<\/span><span style=\"font-weight: 400;\">\u011b\u017en\u00e1 smlouva na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u00edv\u00e1 i 60 str\u00e1nek. A pr\u00e1v\u011b to je d\u016fvod, pro\u010d m\u00e1 smlouva s Mutumutu pouh\u00fdch 6 stran. Nekupujete zaj\u00edce v pytli.<\/span><\/li>\n<\/ul>\n<h2><b>Pozor na v\u00fdluky a pozn\u00e1mky pod \u010darou<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Renomovan\u00e1 agentura<a href=\"https:\/\/www.stemmark.cz\/\" target=\"_blank\" rel=\"noopener\"> STEM\/MARK<\/a> zjistila, \u017ee p\u0159es 14 % \u010cech\u016f, kte\u0159\u00ed maj\u00ed uzav\u0159en\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, v\u016fbec nev\u00ed, v jak\u00fdch situac\u00edch je vlastn\u011b kryje. Skoro 72 % z nich nav\u00edc netu\u0161\u00ed, kolik jejich \u017eivotn\u00ed pojistka obsahuje v\u00fdluk \u2013 neboli p\u0159\u00edpad\u016f, ve kter\u00fdch m\u016f\u017ee poji\u0161\u0165ovna pln\u011bn\u00ed odm\u00edtnout.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Jak jste na tom vy? Kolik v\u00fdluk podle v\u00e1s pr\u016fm\u011brn\u011b poji\u0161\u0165ovny m\u00edvaj\u00ed? Jestli nev\u00edte, tak rozhodn\u011b nejste sami. Tu\u0161\u00ed to jenom 2 % lid\u00ed. Naopak 6 % klient\u016f p\u0159izn\u00e1v\u00e1, \u017ee netu\u0161ili, \u017ee se jejich pojistka nevztahuje \u00fapln\u011b na v\u0161echno.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2018\/07\/30\/blog-nejcastejsi-pojistovacke-klicky-a-hacky-ktere-v-mutumutu-nedelame\/\" target=\"_blank\" rel=\"noopener\">B\u011b\u017en\u00e9 \u017eivotko<\/a> p\u0159itom obsahuje a\u017e 40 v\u00fdluk a \u0159adu dal\u0161\u00edch hv\u011bzdi\u010dek pod \u010darou.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Jak je to v Mutumutu? M\u00e1me v\u00fdluk 8. Jasn\u011b definovan\u00fdch.<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/ahoj.mutumutu.cz\/preoffer-questions?ref=blog\" target=\"_blank\" rel=\"noopener\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/ahoj.mutumutu.cz\/preoffer-questions?ref=blog'>Spo\u010d\u00edtat, jak vyjde poji\u0161t\u011bn\u00ed pro m\u011b<\/a><\/div><\/a><\/p>\n<figure id=\"attachment_2948\" aria-describedby=\"caption-attachment-2948\" style=\"width: 850px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-2948\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/12\/profimedia-0425995387-1-300x200.jpg\" alt=\"A\u017e \u010dtvrtina \u010cech\u016f p\u0159izn\u00e1v\u00e1, \u017ee nerozum\u00ed pojistn\u00fdm smlouv\u00e1m.\" width=\"850\" height=\"567\" srcset=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/12\/profimedia-0425995387-1-300x200.jpg 300w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/12\/profimedia-0425995387-1-768x512.jpg 768w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/12\/profimedia-0425995387-1-1024x683.jpg 1024w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2019\/12\/profimedia-0425995387-1.jpg 1800w\" sizes=\"auto, (max-width: 850px) 100vw, 850px\" \/><figcaption id=\"caption-attachment-2948\" class=\"wp-caption-text\">A\u017e \u010dtvrtina \u010cech\u016f p\u0159izn\u00e1v\u00e1, \u017ee nerozum\u00ed pojistn\u00fdm smlouv\u00e1m. T\u011bm na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed u\u017e v\u016fbec ne.<\/figcaption><\/figure>\n<h2><b>Aktualizujte pojistn\u00e9 smlouvy<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed NIKDY nekon\u010d\u00ed podpisem smlouvy. Nav\u00edc se nab\u00eddka st\u00e1le m\u011bn\u00ed a poji\u0161\u0165ovny l\u00e1kaj\u00ed klienty na nov\u00e9 a nov\u00e9 atraktivn\u00ed produkty.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Taky si hl\u00eddejte zm\u011bny pojistn\u00fdch podm\u00ednek. S ka\u017ed\u00fdm obdob\u00edm trv\u00e1n\u00ed smlouvy se mohou m\u011bnit a mohou z\u00e1sadn\u011b m\u011bnit v\u00fdhodnost smlouvy.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nezapome\u0148te ani na zm\u011bny na va\u0161\u00ed stran\u011b. P\u0159est\u011bhovali jste se? Pracujete jinde? M\u00e1te d\u011bti? Dejte poji\u0161\u0165ovn\u011b v\u011bd\u011bt. Kdyby se n\u011bco stalo, nebude m\u00edt d\u016fvod zdr\u017eovat pojistn\u00e9 pln\u011bn\u00ed a p\u0159ezkoum\u00e1vat va\u0161e aktu\u00e1ln\u00ed osobn\u00ed data.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">N\u011bkdy je \u00faprava osobn\u00edch dat slo\u017eit\u00e1, ale modern\u00ed poji\u0161\u0165ovny akceptuj\u00ed informace e-mailem. U Mutumutu je to nap\u0159\u00edklad samoz\u0159ejmost.\u00a0<\/span><\/li>\n<\/ul>\n<h2><b>Ptejte se<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nen\u00ed v\u00e1m n\u011bco jasn\u00e9? Zavolejte na infolinku. Nebo napi\u0161te na online podporu. \u017d\u00e1dn\u00fd dotaz nen\u00ed hloup\u00fd. Jde nejen o va\u0161e pen\u00edze, ale hlavn\u011b o zaji\u0161t\u011bn\u00ed va\u0161\u00ed rodiny. Ptejte se tak dlouho, dokud nedostanete uspokojivou odpov\u011b\u010f. \u010cas, kter\u00fd v\u011bnujete v\u00fdb\u011bru <a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2019\/11\/11\/na-osvc-stat-nemysli-zaridte-si-nemocenske-i-zivotni-pojisteni\/\" target=\"_blank\" rel=\"noopener\">poji\u0161t\u011bn\u00ed<\/a>, se v\u00e1m rozhodn\u011b vyplat\u00ed.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nap\u0159\u00edklad v Mutumutu sed\u00ed na infolince M\u00ed\u0161a a Luk\u00e1\u0161. Re\u00e1ln\u00ed lid\u00e9, kte\u0159\u00ed v\u00e1m r\u00e1di porad\u00ed. Nen\u00ed to \u017e\u00e1dn\u00fd chatbot, kter\u00fd sype odpov\u011bdi podle programu.\u00a0<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.mutumutu.cz\/o-mutumutu\/\"><span style=\"font-weight: 400;\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/www.mutumutu.cz\/kdo-jsme\/'>V\u00edce o Mutumutu<\/a><\/div><\/span><\/a><\/p>\n<p><strong><em>\u017divotko nemus\u00ed b\u00fdt slo\u017eit\u00e9. V\u011b\u0159te n\u00e1m. Funguje to u\u017e des\u00edtky let v cizin\u011b, my se to sna\u017e\u00edme p\u0159in\u00e9st do \u010cech. Je srozumiteln\u00e9 a zvl\u00e1dnete si ho uzav\u0159\u00edt za 10 minut <\/em><em>a online. <a href=\"https:\/\/www.mutumutu.cz\/\" target=\"_blank\" rel=\"noopener\">Mutumutu<\/a> v\u00e1s nav\u00edc odm\u011bn\u00ed vr\u00e1cen\u00edm 30 % pojistn\u00e9ho za zdrav\u00fd \u017eivotn\u00ed styl.<\/em>\u00a0<\/strong><\/p>\n<div class=\"mceTemp\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A\u017e \u010dtvrtina \u010cech\u016f p\u0159izn\u00e1v\u00e1, \u017ee nerozum\u00ed pojistn\u00fdm smlouv\u00e1m. A \u0159ada z nich je dokonce v\u016fbec ne\u010dte. Na jednu stranu je to pochopiteln\u00e9, pojistky n\u00e1m p\u0159ijdou slo\u017eit\u00e9. Na druhou se tak ale dobrovoln\u011b p\u0159ipravujeme o pen\u00edze. \u0158e\u0161en\u00ed p\u0159itom existuje.\u00a0 Jak tedy za\u0159\u00eddit, aby v\u00e1m pen\u00edze za pojistn\u00e9 neprotekly mezi prsty?\u00a0 Pojistn\u00e9 smlouvy \u010dt\u011bte pozorn\u011b Nikdo to  &#8230;<\/p>\n","protected":false},"author":23,"featured_media":2946,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[94,110,367,369,457,368,147,216],"class_list":["post-2945","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-30-pojisteni-zpet","tag-jednoduche-zivotni-pojisteni-online","tag-pojistne-smlouvy","tag-poznamky-pod-carou","tag-vse-o-pojisteni","tag-vyluky","tag-zivotko","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/2945","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=2945"}],"version-history":[{"count":2,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/2945\/revisions"}],"predecessor-version":[{"id":2950,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/2945\/revisions\/2950"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/2946"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=2945"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=2945"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=2945"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}