{"id":3000,"date":"2020-01-06T14:30:06","date_gmt":"2020-01-06T13:30:06","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=3000"},"modified":"2025-10-09T08:01:24","modified_gmt":"2025-10-09T06:01:24","slug":"5-mytu-o-zivotnim-pojisteni-a-par-pravd-k-tomu","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2020\/01\/06\/5-mytu-o-zivotnim-pojisteni-a-par-pravd-k-tomu\/","title":{"rendered":"5 m\u00fdt\u016f o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed a p\u00e1r pravd k tomu"},"content":{"rendered":"

M\u00fdt\u016f kolem \u017eivotn\u00edho poji\u0161t\u011bn\u00ed koluje hodn\u011b. M\u00e1 kr\u00fdt co nejv\u00edc p\u0159\u00edpad\u016f, m\u00e1 spoustu v\u00fdluk a nevyplat\u00ed se, proto\u017ee nakonec stejn\u011b \u017e\u00e1dn\u00e9 pen\u00edze neuvid\u00edme. \u017de tomu tak nen\u00ed, dokazuje nejen online \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Mutumutu. Mrkn\u011bte na m\u00fdty o poji\u0161t\u011bn\u00ed a na pravdy, kter\u00e9 je vyvracej\u00ed.<\/strong><\/p>\n

M\u00fdtus: \u017divotn\u00ed poji\u0161t\u011bn\u00ed se m\u00e1 vyplatit<\/strong><\/h2>\n

\u201eKdy\u017e m\u011bs\u00ed\u010dn\u011b plat\u00edm, m\u011blo by se mi to n\u011bjak vr\u00e1tit. T\u0159eba kdy\u017e m\u00e1m 2x do roka ch\u0159ipku, cht\u011bl(a) bych na tom aspo\u0148 vyd\u011blat.\u201c<\/em><\/p>\n

Pravda: Nevyplat\u00ed se a je to dob\u0159e<\/strong><\/h2>\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/a> nem\u00e1 slou\u017eit k v\u00fdd\u011blku, ale k ji\u0161t\u011bn\u00ed p\u0159ed v\u00e1\u017en\u00fdmi riziky<\/strong>. To, \u017ee se \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nevyplat\u00ed, je vlastn\u011b dob\u0159e. Proto\u017ee pokud z n\u011bj dostanete v\u00edc, ne\u017e jste vlo\u017eili, znamen\u00e1 to, \u017ee v\u00e1s potkalo ne\u0161t\u011bst\u00ed. A tehdy z poji\u0161t\u011bn\u00ed z\u00edsk\u00e1te mnohem v\u00edc pen\u011bz, ne\u017e jste za n\u011bj zat\u00edm zaplatili.<\/p>\n

Kalkulovat, jestli se v\u00e1m „vyplat\u00ed“ zaplacen\u00e9 pen\u00edze, ned\u00e1v\u00e1 smysl. Je to podobn\u00e9 jako s\u00a0cestovn\u00edm poji\u0161t\u011bn\u00edm, kde v\u00e1s propo\u010d\u00edt\u00e1v\u00e1n\u00ed vlo\u017een\u00fdch a pravd\u011bpodobn\u011b z\u00edskan\u00fdch pen\u011bz ani nenapadne. To si za\u0159izujete, abyste se vyhnuli v\u00fddaj\u016fm, kter\u00e9 budou nad va\u0161e mo\u017enosti. A \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u00e1 m\u00edt p\u0159esn\u011b stejnou funkci.<\/p>\n

Proto d\u00e1v\u00e1 smysl se pojistit na to d\u016fle\u017eit\u00e9<\/a> a nepoji\u0161\u0165ovat si blbosti.<\/p>\n

Ur\u010dit\u011b ze sv\u00fdch \u00faspor \u00fatahnete t\u00fdden r\u00fdmi\u010dky nebo zlomen\u00fd mal\u00ed\u010dek. Kdy\u017e se ale t\u0159eba stanete invalidn\u00edm<\/a>, bude v\u00e1s to st\u00e1t v pr\u016fm\u011bru 800 tis\u00edc hned zpo\u010d\u00e1tku a dal\u0161\u00ed tis\u00edce za u\u0161l\u00fd p\u0159\u00edjem \u2013 celkov\u011b se tedy bav\u00edme v \u0159\u00e1du milion\u016f. A to u\u017e z vlastn\u00edch zdroj\u016f zvl\u00e1dne m\u00e1lokdo. Je to podobn\u00e9, jako kdy\u017e si doma sami vym\u011bn\u00edte \u017e\u00e1rovku a nevol\u00e1te kv\u016fli tomu oprav\u00e1\u0159e. Na rozbit\u00fd kotel u\u017e ale telefon zvednete a nech\u00e1te to na odborn\u00edkovi.<\/p>\n\"\u017divotko\u017divotn\u00ed poji\u0161t\u011bn\u00ed nem\u00e1 slou\u017eit k v\u00fdd\u011blku, ale k ji\u0161t\u011bn\u00ed p\u0159ed v\u00e1\u017en\u00fdmi riziky.<\/p>\n

M\u00fdtus: V \u017eivotn\u00edm poji\u0161t\u011bn\u00ed jsou jen sam\u00e9 kli\u010dky a v\u00fdluky<\/strong><\/h2>\n

\u201ePoji\u0161\u0165ovny maj\u00ed des\u00edtky v\u00fdluk, d\u00edky kter\u00fdm nemus\u00ed lidem platit. V\u017edycky si n\u011bco najdou. Do diagn\u00f3z je t\u00edm p\u00e1dem t\u011b\u017ek\u00e9 se trefit.\u201c<\/em>\n

Pravda: Ne u v\u0161ech \u017eivotn\u00edch poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n

Tohle je pravda. Ale neplat\u00ed to pro v\u0161echna poji\u0161t\u011bn\u00ed. \u017divotn\u00ed poji\u0161t\u011bn\u00ed Mutumutu m\u00e1 v\u00fdluk jen 8 (oproti b\u011b\u017en\u00fdm 40) a neboj\u00ed se je uk\u00e1zat. Nav\u00edc d\u00e1vaj\u00ed smysl: pokud by t\u0159eba poji\u0161t\u011bn\u00ed krylo nemoci spojen\u00e9 s alkoholem nebo extr\u00e9mn\u00ed sporty, p\u0159it\u00e1hlo by to jen v\u00edc lid\u00ed, kte\u0159\u00ed jdou riziku naproti, a t\u011bm, kte\u0159\u00ed neriskuj\u00ed, by to poji\u0161t\u011bn\u00ed zbyte\u010dn\u011b zdra\u017eovalo.<\/p>\n

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

M\u00fdtus: Sta\u010d\u00ed m\u00edt pen\u00edze bokem<\/strong><\/h2>\n

\u201eNe\u017e bych si platil(a) \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, budu si rad\u0161i d\u00e1vat pen\u00edze bokem pro p\u0159\u00edpad, \u017ee by se n\u011bco stalo.\u201c<\/em><\/p>\n

Pravda: Na tohle nena\u0161et\u0159\u00edte<\/strong><\/h2>\n

Pen\u00edze bokem jsou dobr\u00e9 jako pol\u0161t\u00e1\u0159 v p\u0159\u00edpad\u011b drobn\u00fdch probl\u00e9m\u016f. M\u00edt na\u0161et\u0159eno na 2\u20133 m\u011bs\u00edce ur\u010dit\u011b neu\u0161kod\u00ed. Ostatn\u011b proto nab\u00edz\u00edme poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti a\u017e od 30. nebo 60. dne.<\/p>\n

Nechceme malovat \u010derta na ze\u010f, ale co kdy\u017e v\u00e1s postihne v\u00e1\u017en\u00e1 nemoc<\/a> a skon\u010d\u00edte s dlouhodob\u00fdmi n\u00e1sledky? Nebo se vybour\u00e1te? Nav\u00edc t\u0159eba u\u017e po p\u00e1r m\u011bs\u00edc\u00edch, co jste s odkl\u00e1d\u00e1n\u00edm pen\u011bz za\u010dali? Pak v\u00e1m naspo\u0159en\u00e9 prost\u0159edky dojdou d\u0159\u00edv, ne\u017e se nad\u011bjete. Jen pro p\u0159edstavu: pr\u016fm\u011brn\u00e9 po\u010d\u00e1te\u010dn\u00ed n\u00e1klady p\u0159i invalidit\u011b na \u00fapravu bydlen\u00ed a n\u00e1kup pom\u016fcek jsou 800 tis\u00edc korun. U zam\u011bstnanc\u016f, kte\u0159\u00ed pob\u00edraj\u00ed 20 tis\u00edc m\u011bs\u00ed\u010dn\u011b \u010dist\u00e9ho, se p\u0159\u00edjmy v p\u0159\u00edpad\u011b invalidity sn\u00ed\u017e\u00ed asi o 6500 K\u010d m\u011bs\u00ed\u010dn\u011b, co\u017e po 10 letech d\u011bl\u00e1 1,5 milionu korun.<\/p>\n

\"Dal\u0161\u00ed
Dal\u0161\u00ed m\u00fdtus: Sta\u010d\u00ed m\u00edt pen\u00edze bokem. Nesta\u010d\u00ed.<\/figcaption><\/figure>\n

 <\/p>\n

Na kolik by m\u011b vy\u0161lo poji\u0161t\u011bn\u00ed<\/a><\/div><\/a><\/p>\n

M\u00fdtus: Bez investi\u010dn\u00ed slo\u017eky to nem\u00e1 cenu<\/strong><\/h2>\n

\u201eKa\u017ed\u00e9 spr\u00e1vn\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed by m\u011blo m\u00edt investi\u010dn\u00ed slo\u017eku, abych neplatil(a) jen tak. Chci z toho n\u011bco dostat, kdy\u017e se mi nic nestane.\u201c<\/em><\/p>\n

Pravda: Existuj\u00ed lep\u0161\u00ed mo\u017enosti, jak investovat<\/strong><\/h2>\n

Pokud si plat\u00edte nap\u0159\u00edklad 1000 K\u010d za \u017eivotn\u00ed poji\u0161t\u011bn\u00ed s investi\u010dn\u00ed slo\u017ekou, \u010d\u00e1st jde na rizikov\u00e9 poji\u0161t\u011bn\u00ed a \u010d\u00e1st na investici. Kolik jde na va\u0161i ochranu a kolik na investov\u00e1n\u00ed, najdete ve sv\u00e9 pojistn\u00e9 smlouv\u011b.<\/p>\n

Dejme tomu, \u017ee by to bylo na p\u016fl. Znamenalo by to, \u017ee jen 500 K\u010d jde na poji\u0161t\u011bn\u00ed va\u0161eho zdrav\u00ed a \u017eivota a zbyl\u00fdch 500 K\u010d nech\u00e1v\u00e1te poji\u0161\u0165ovn\u011b a ona je podle sv\u00e9ho uv\u00e1\u017een\u00ed investuje. Na konci poji\u0161t\u011bn\u00ed, dejme tomu za 20 let, v\u00e1m poji\u0161\u0165ovna pod\u00edl z investov\u00e1n\u00ed vyplat\u00ed.<\/p>\n

Probl\u00e9m je, \u017ee investici nem\u00e1te pod kontrolou a pen\u00edze takhle investovan\u00e9 nem\u016f\u017eete vybrat, kdy pot\u0159ebujete. Leda byste poji\u0161t\u011bn\u00ed ukon\u010dili. Kdy\u017e k tomu se\u010dtete v\u0161echny poplatky, kter\u00e9 poji\u0161\u0165ovna \u00fa\u010dtuje m\u011bs\u00ed\u010dn\u011b, ud\u011bl\u00e1te l\u00edp, kdy\u017e na investici vyu\u017eijete produkty k tomu ur\u010den\u00e9 \u2013 t\u0159eba fondy nebo akcie.<\/p>\n

Kdy\u017e si s promok\u00f3dem, kter\u00fd najdete v Mutumutu aplikaci, zalo\u017e\u00edte profil na investi\u010dn\u00ed platform\u011b Fondee, z\u00edsk\u00e1te nav\u00edc d\u00e1rek! Dostanete 2000 K\u010d na v\u00e1\u0161 investorsk\u00fd \u00fa\u010det. Prost\u011b aby v\u00e1m ty za\u010d\u00e1tky \u0161ly sn\u00e1z.<\/p>\n

\"Bez
Bez investi\u010dn\u00ed slo\u017eky to nem\u00e1 cenu? M\u00fdtus. V\u011b\u0159te, \u017ee existuj\u00ed lep\u0161\u00ed mo\u017enosti, jak investovat.<\/figcaption><\/figure>\n

M\u00fdtus: \u017divotn\u00ed poji\u0161t\u011bn\u00ed m\u00e1 kr\u00fdt co nejv\u00edc p\u0159\u00edpad\u016f<\/strong><\/h2>\n

\u201e\u017divotn\u00ed poji\u0161t\u011bn\u00ed m\u00e1 kr\u00fdt v\u0161echno, od ch\u0159ipky po rakovinu. Tak\u017ee i ty p\u0159\u00edpady, kdy nebudu moct pracovat jen p\u00e1r dn\u00ed.\u201c<\/em><\/p>\n

Pravda: Hlavn\u00ed je m\u00edt poji\u0161t\u011bn\u00e9 to d\u016fle\u017eit\u00e9<\/strong><\/h2>\n

Jak u\u017e jsme psali, lep\u0161\u00ed je poji\u0161\u0165ovat si jen z\u00e1va\u017en\u00e9 p\u0159\u00edpady. U t\u011bch ale chcete m\u00edt o\u0161et\u0159eno co nejv\u00edc situac\u00ed, kter\u00e9 m\u016f\u017eou nastat. Tak\u017ee nemus\u00edte b\u00fdt poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad pracovn\u00ed neschopnosti<\/a> od patn\u00e1ct\u00e9ho dne, sta\u010d\u00ed t\u0159eba od t\u0159ic\u00e1t\u00e9ho nebo \u0161edes\u00e1t\u00e9ho dne. Pokud se vzd\u00e1te poji\u0161t\u011bn\u00ed drobn\u00fdch bol\u00edstek, u\u0161et\u0159\u00edte – poji\u0161t\u011bn\u00ed, kter\u00e1 kryj\u00ed i zm\u00edn\u011bnou ch\u0159ipku b\u00fdvaj\u00ed pak obecn\u011b dra\u017e\u0161\u00ed. Jestli ale budete mimo pr\u00e1ci dlouho, ocen\u00edte \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 m\u00e1 kvalitn\u00ed kryt\u00ed. To na\u0161e je ur\u010deno pr\u00e1v\u011b pro p\u0159\u00edpady, kdy v\u00e1m dojdou naspo\u0159en\u00e9 rezervy.<\/p>\n

Zkontrolujte si, \u017ee i va\u0161e \u017eivotn\u00ed poji\u0161t\u011bn\u00ed kryje t\u0159eba bolesti zad<\/strong>, v\u0161echny psychick\u00e9 choroby<\/strong> i rakoviny, nemoci ob\u011bhov\u00e9 soustavy a \u00farazy<\/strong>.<\/p>\n

V Mutumutu m\u00e1me nejen f\u00e9rov\u00e9 podm\u00ednky, je\u0161t\u011b v\u00e1s k tomu odm\u011bn\u00edme za zdrav\u00fd \u017eivotn\u00ed styl. Sta\u010d\u00ed, kdy\u017e semtam sportujete, nekou\u0159\u00edte a chod\u00edte na pravideln\u00e9 l\u00e9ka\u0159sk\u00e9 prohl\u00eddky. Za to v\u00e1m vr\u00e1t\u00edme a\u017e 30 % z ceny pojistn\u00e9ho zp\u011bt.<\/em><\/p>\n

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

 <\/p>\n

\"Za
Za zdrav\u00fd \u017eivotn\u00ed styl v\u00e1s v Mutumutu odm\u011bn\u00edme.<\/figcaption><\/figure>\n

 <\/p>\n

M\u00e1te pocit, \u017ee st\u00e1le existuje p\u00e1r m\u00fdt\u016f o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed, kter\u00e9 jsme nevyvr\u00e1tili? Doporu\u010dujeme mrknout je\u0161t\u011b na tenhle \u010dl\u00e1nek<\/a>.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

M\u00fdt\u016f kolem \u017eivotn\u00edho poji\u0161t\u011bn\u00ed koluje hodn\u011b. M\u00e1 kr\u00fdt co nejv\u00edc p\u0159\u00edpad\u016f, m\u00e1 spoustu v\u00fdluk a nevyplat\u00ed se, proto\u017ee nakonec stejn\u011b \u017e\u00e1dn\u00e9 pen\u00edze neuvid\u00edme. \u017de tomu tak nen\u00ed, dokazuje nejen online \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Mutumutu. Mrkn\u011bte na m\u00fdty o poji\u0161t\u011bn\u00ed a na pravdy, kter\u00e9 je vyvracej\u00ed. M\u00fdtus: \u017divotn\u00ed poji\u0161t\u011bn\u00ed se m\u00e1 vyplatit \u201eKdy\u017e m\u011bs\u00ed\u010dn\u011b plat\u00edm, m\u011blo by …<\/p>\n","protected":false},"author":23,"featured_media":3010,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[301,214,110,382,383,457,149,216],"class_list":["post-3000","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-invalidita","tag-investicni-zivotni-pojisteni","tag-jednoduche-zivotni-pojisteni-online","tag-myty-o-zivotnim-pojisteni","tag-pravdy-o-zivotnim-pojisteni","tag-vse-o-pojisteni","tag-zdravy-zivotni-styl","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/3000","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=3000"}],"version-history":[{"count":13,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/3000\/revisions"}],"predecessor-version":[{"id":5593,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/3000\/revisions\/5593"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/3010"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=3000"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=3000"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=3000"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}