{"id":3064,"date":"2020-01-28T14:41:53","date_gmt":"2020-01-28T13:41:53","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=3064"},"modified":"2025-09-24T15:20:17","modified_gmt":"2025-09-24T13:20:17","slug":"bez-pojistovaka-si-zivotni-pojisteni-nesjednam-a-dalsi-myty-o-zivotnim-pojisteni","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2020\/01\/28\/bez-pojistovaka-si-zivotni-pojisteni-nesjednam-a-dalsi-myty-o-zivotnim-pojisteni\/","title":{"rendered":"\u201eBez poji\u0161\u0165ov\u00e1ka si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nesjedn\u00e1m\u201c a dal\u0161\u00ed m\u00fdty o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed"},"content":{"rendered":"

M\u00fdt\u016f kolem \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> koluje hodn\u011b. \u017de se nevyplat\u00ed, \u017ee stejn\u011b \u017e\u00e1dn\u00e9 pen\u00edze neuvid\u00edme. \u017de tomu tak nen\u00ed, ale dokazujeme nejen my z Mutumutu<\/a>. Minule jsme v\u00e1m p\u0159edstavili hlavn\u00edch 5 m\u00fdt\u016f o poji\u0161t\u011bn\u00ed<\/a> a te\u010f se m\u016f\u017eete mrknout na dal\u0161\u00ed. A hlavn\u011b na pravdy, kter\u00e9 je vyvracej\u00ed.\u00a0<\/b><\/p>\n

M\u00fdtus: <\/b>Hlavn\u00edmi p\u0159\u00ed\u010dinami invalidity a dlouhodob\u00fdch pracovn\u00edch neschopnost\u00ed jsou \u00farazy a nehody.<\/span><\/h2>\n

Pravda: <\/b>B\u00fdv\u00e1 to v\u011bt\u0161inou kv\u016fli nemoci. U invalidity jsou \u00farazy a nehody p\u0159\u00ed\u010dinou pouh\u00fdch 6 % p\u0159\u00edpad\u016f. U pracovn\u00ed neschopnosti<\/a> pak trochu v\u00edc, ale i tak je to pouh\u00fdch 10 %. Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro p\u0159izn\u00e1n\u00ed invalidity<\/a> jsou\u00a0nemoci svalov\u00e9 a kostern\u00ed soustavy a pot\u00e9\u00a0du\u0161evn\u00ed poruchy<\/a>. Rakovina je pak diagnostikov\u00e1na t\u00e9m\u011b\u0159 100 tis\u00edc\u016fm lid\u00ed a invaliditu kv\u016fli n\u00ed a n\u00e1dorov\u00fdm onemocn\u011bn\u00edm pob\u00edr\u00e1 v \u010cesku p\u0159es 34 000 lid\u00ed.<\/span><\/i><\/p>\n

M\u00fdtus: <\/b>St\u00e1t invaliditu uzn\u00e1 jen z\u0159\u00eddkakdy.\u00a0<\/span><\/h2>\n

Pravda: <\/b>V \u010cesku \u017eije p\u0159ibli\u017en\u011b 450 000 lid\u00ed s invalidn\u00edm d\u016fchodem. To je asi tolik, jako m\u00e1 cel\u00fd Libereck\u00fd kraj.\u00a0<\/span><\/p>\n

\"U
\u017de jsou p\u0159\u00ed\u010dinou nehody a \u00farazy, je m\u00fdtus. Je to pouh\u00fdch 6 % p\u0159\u00edpad\u016f. Nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro p\u0159izn\u00e1n\u00ed invalidity jsou rakovina a du\u0161evn\u00ed poruchy.<\/figcaption><\/figure>\n

Na co v\u00e1s pojist\u00edme<\/a><\/div><\/a><\/p>\n

M\u00fdtus: <\/b>Bez brokera si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> spr\u00e1vn\u011b sjednat nejde.\u00a0<\/span><\/h2>\n

Pravda:<\/b> Neplat\u00ed to pro v\u0161echna \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>. A v\u00fdzkumy nav\u00edc nazna\u010duj\u00ed zm\u011bnu. \u010casy, kdy \u010ce\u0161i kv\u016fli ka\u017ed\u00e9 obchodn\u00ed \u010di administrativn\u00ed z\u00e1le\u017eitosti sp\u011bchali na pobo\u010dku \u010di do m\u00edsta prodeje, jsou, zd\u00e1 se, nen\u00e1vratn\u011b pry\u010d. Otev\u0159\u00edt si bankovn\u00ed \u00fa\u010det, povinn\u00e9 ru\u010den\u00ed nebo sjednat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed po internetu<\/a> nebo p\u0159es mobiln\u00ed aplikaci, je p\u0159edstava bl\u00edzk\u00e1 \u010d\u00edm d\u00e1l v\u011bt\u0161\u00edmu mno\u017estv\u00ed lid\u00ed. Konkr\u00e9tn\u011b \u017eivotn\u00ed poji\u0161t\u011bn\u00ed by po internetu<\/a> byla ochotna uzav\u0159\u00edt \u010dtvrtina \u010cech\u016f. Sch\u016fzku s poradcem p\u0159itom p\u0159i v\u00fdb\u011bru a uzav\u0159en\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed po\u0159\u00e1d vol\u00ed t\u0159etina, n\u00e1v\u0161t\u011bvu pobo\u010dky pak \u010dtvrtina lid\u00ed. Vyznat se toti\u017e ve v\u0161ech mo\u017enostech a nejm\u00e9n\u011b 40 str\u00e1nk\u00e1ch pojistn\u00fdch podm\u00ednek nen\u00ed \u017e\u00e1dn\u00e1 legrace. Proto je\u00a0<\/span>Mutumutu<\/a>\u00a0pochopiteln\u00e9, se smlouvou na 2 str\u00e1nky, a zvl\u00e1dnete si ho sjednat bez probl\u00e9m\u016f sami. Kdyby to ale i tak bylo t\u0159eba, um\u00edme v\u00e1m poradit po telefonu, chatem, p\u0159es sd\u00edlenou obrazovku nebo e-mailem. Ne v\u017edy se tedy mus\u00edte s n\u011bk\u00fdm slo\u017eit\u011b potk\u00e1vat.<\/span><\/p>\n

\"\u017divotko
\u017divotko od Mutumutu je pochopiteln\u00e9 a zvl\u00e1dnete si ho sjednat bez probl\u00e9m\u016f sami. To, \u017ee k tomu pot\u0159ebujete brokera, je m\u00fdtus.<\/figcaption><\/figure>\n
<\/div>\n

M\u00fdtus: <\/b>\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/a> si sta\u010d\u00ed sjednat k\u00a0hypot\u00e9ce, a v\u0161e je kryt\u00e9.\u00a0\u00a0<\/span><\/h2>\n

Pravda: <\/b>\u017divotko<\/a> sjednan\u00e9 k hypot\u00e9ce bude v\u011bt\u0161inou kr\u00fdt jen samotnou banku. Pokud si nejste jist\u00ed, jestli jste dostate\u010dn\u011b kryt\u00ed, <\/span>po\u0161lete n\u00e1m svoji sou\u010dasnou smlouvu k \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed<\/span><\/a>, my se na to zdarma pod\u00edv\u00e1me a \u0159ekneme v\u00e1m, jak na tom jste.\u00a0<\/span><\/p>\n

M\u00fdtus: <\/b>Myslet na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> znamen\u00e1 si ty nehezk\u00e9 v\u011bci p\u0159ivolat.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/h2>\n

Pravda: <\/b>Nedejte na pov\u011bry. Bude to sp\u00ed\u0161 p\u0159esn\u011b naopak. Pokud se pojist\u00edte, budete m\u00edt klid a nebudete se zbyte\u010dn\u011b stresovat, \u017ee vy nebo va\u0161i bl\u00edzc\u00ed nejsou zaji\u0161t\u011bn\u00ed, kdyby se cokoliv v\u00e1\u017en\u00e9ho stalo. V\u011b\u0159te, \u017ee klid na du\u0161i je pro va\u0161e zdrav\u00ed stejn\u011b d\u016fle\u017eit\u00fd jako sport<\/a> nebo spr\u00e1vn\u00e9 stravovac\u00ed n\u00e1vyky.<\/span><\/p>\n

V Mutumutu<\/a> 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><\/strong><\/p>\n

Spo\u010d\u00edtat, jak vyjde poji\u0161t\u011bn\u00ed pro m\u011b<\/a><\/div><\/a><\/p>\n
\"Nev\u011b\u0159te
Nev\u011b\u0159te na m\u00fdty a rad\u0161i si u\u017e\u00edvejte \u017eivota.<\/figcaption><\/figure>\n","protected":false},"excerpt":{"rendered":"

M\u00fdt\u016f kolem \u017eivotn\u00edho poji\u0161t\u011bn\u00ed koluje hodn\u011b. \u017de se nevyplat\u00ed, \u017ee stejn\u011b \u017e\u00e1dn\u00e9 pen\u00edze neuvid\u00edme. \u017de tomu tak nen\u00ed, ale dokazujeme nejen my z Mutumutu. Minule jsme v\u00e1m p\u0159edstavili hlavn\u00edch 5 m\u00fdt\u016f o poji\u0161t\u011bn\u00ed a te\u010f se m\u016f\u017eete mrknout na dal\u0161\u00ed. A hlavn\u011b na pravdy, kter\u00e9 je vyvracej\u00ed.\u00a0 M\u00fdtus: Hlavn\u00edmi p\u0159\u00ed\u010dinami invalidity a dlouhodob\u00fdch pracovn\u00edch neschopnost\u00ed …<\/p>\n","protected":false},"author":23,"featured_media":3065,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[398,399,301,382,38,397,257,39,218,147],"class_list":["post-3064","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-broker","tag-hypoteka","tag-invalidita","tag-myty-o-zivotnim-pojisteni","tag-online-pojisteni","tag-pojistovak","tag-psychicke-nemoci","tag-smlouva","tag-uraz","tag-zivotko"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/3064","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=3064"}],"version-history":[{"count":6,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/3064\/revisions"}],"predecessor-version":[{"id":5514,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/3064\/revisions\/5514"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/3065"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=3064"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=3064"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=3064"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}