{"id":4251,"date":"2021-01-06T11:38:45","date_gmt":"2021-01-06T10:38:45","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=4251"},"modified":"2026-02-11T03:07:20","modified_gmt":"2026-02-11T02:07:20","slug":"zivotni-pojisteni-a-dane","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2021\/01\/06\/zivotni-pojisteni-a-dane\/","title":{"rendered":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed a dan\u011b: jak u\u0161et\u0159it a na co si d\u00e1t pozor"},"content":{"rendered":"<p><b>\u201eNa tomto sv\u011bt\u011b nen\u00ed nic jist\u00e9ho \u2013 krom\u011b smrti a placen\u00ed dan\u00ed.\u201c Kdysi to napsal Benjamin Franklin a plat\u00ed to po\u0159\u00e1d. Zat\u00edmco p\u0159ed t\u00edm prvn\u00edm v\u00e1s ani \u017eivotko neuchr\u00e1n\u00ed, s t\u00edm druh\u00fdm v\u00e1m m\u016f\u017ee pomoci. Mnoho lid\u00ed ale netu\u0161\u00ed, kter\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed lze ode\u010d\u00edst z dan\u00ed a jak se odpo\u010det uplat\u0148uje. Proto si te\u010f v\u0161echno vysv\u011btl\u00edme p\u011bkn\u011b krok za krokem, v\u010detn\u011b praktick\u00fdch p\u0159\u00edklad\u016f.<\/b><\/p>\n<h2><span style=\"font-weight: 400;\">Kdy je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed da\u0148ov\u011b uznateln\u00e9<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ne ka\u017ed\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 si sjedn\u00e1te, v\u00e1m automaticky sn\u00ed\u017e\u00ed dan\u011b. Od z\u00e1kladu dan\u011b m\u016f\u017eete <\/span><b>ode\u010d\u00edst pouze platby v r\u00e1mci spo\u0159en\u00ed na st\u00e1\u0159\u00ed <\/b><span style=\"font-weight: 400;\">nebo<\/span> <span style=\"font-weight: 400;\">pojistn\u00e9 na poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de. A jsme u rozd\u00edlu mezi rizikov\u00fdm a kapit\u00e1lov\u00fdm\/investi\u010dn\u00edm \u017eivotn\u00edm poji\u0161t\u011bn\u00edm.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a odpo\u010det dan\u011b<\/span><\/h3>\n<p><a href=\"https:\/\/mutumutu.cz\/\"><span style=\"font-weight: 400;\">Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/span><\/a><span style=\"font-weight: 400;\"> kryje rizika, jako jsou smrt, \u00faraz, invalidita \u010di dlouhodob\u00e1 pracovn\u00ed neschopnost. <\/span><b>Nem\u00e1 \u017e\u00e1dnou spo\u0159ic\u00ed nebo investi\u010dn\u00ed slo\u017eku<\/b><span style=\"font-weight: 400;\">, tak\u017ee se v n\u011bm nezhodnocuj\u00ed \u017e\u00e1dn\u00e9 pen\u00edze, kter\u00e9 by v\u00e1m byly ve st\u00e1\u0159\u00ed vyplaceny. Proto si <\/span><b>rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed do da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed d\u00e1t nem\u016f\u017eete<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Kapit\u00e1lov\u00e9\/investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a dan\u011b<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Naopak kapit\u00e1lov\u00e9 nebo investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed <\/span><b>kombinuje pojistnou ochranu s mo\u017enost\u00ed spo\u0159it \u010di investovat<\/b><span style=\"font-weight: 400;\">. \u010c\u00e1st pen\u011bz jde na poji\u0161t\u011bn\u00ed rizik a \u010d\u00e1st se ukl\u00e1d\u00e1 (bu\u010f na garantovan\u00fd \u00fa\u010det, nebo do fond\u016f). Tady u\u017e tedy <\/span><b>jde o spo\u0159en\u00ed na st\u00e1\u0159\u00ed<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aby se v\u0161ak na kapit\u00e1lov\u00e9\/investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed vztahoval odpo\u010det dan\u011b, <\/span><b>mus\u00ed spl\u0148ovat n\u011bkolik podm\u00ednek<\/b><span style=\"font-weight: 400;\">, kter\u00e9 ur\u010duje z\u00e1kon o dan\u00edch z p\u0159\u00edjm\u016f.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Podm\u00ednky pro da\u0148ov\u00e9 zv\u00fdhodn\u011bn\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">jste pojistn\u00edkem i poji\u0161t\u011bn\u00fdm z\u00e1rove\u0148 (neuzav\u00edr\u00e1te poji\u0161t\u011bn\u00ed pro jinou osobu),<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">smlouvu uzav\u0159ete minim\u00e1ln\u011b na 10 let,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">v\u00fdplata (pojistn\u00e9 pln\u011bn\u00ed) nesm\u00ed nastat d\u0159\u00edve ne\u017e v 60 letech poji\u0161t\u011bn\u00e9ho,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">smlouva nesm\u00ed umo\u017e\u0148ovat pr\u016fb\u011b\u017en\u00e9 v\u00fdb\u011bry naspo\u0159en\u00fdch pen\u011bz,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">poji\u0161t\u011bn\u00ed mus\u00ed b\u00fdt sjedn\u00e1no pro p\u0159\u00edpad do\u017eit\u00ed, pro p\u0159\u00edpad do\u017eit\u00ed se stanoven\u00e9ho v\u011bku nebo d\u0159\u00edv\u011bj\u0161\u00ed smrti a poji\u0161t\u011bn\u00ed d\u016fchodu,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">pokud je sjednan\u00e1 pojistn\u00e1 \u010d\u00e1stka pro p\u0159\u00edpad do\u017eit\u00ed, mus\u00ed b\u00fdt minim\u00e1ln\u011b 40 000 K\u010d u smluv od 10 do 20 let a 70 000 K\u010d u smluv nad 20 let.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Pokud smlouva spl\u0148uje v\u00fd\u0161e uveden\u00e9 z\u00e1konn\u00e9 podm\u00ednky, m\u016f\u017eete si sn\u00ed\u017eit da\u0148ov\u00fd z\u00e1klad.<\/span><\/p>\n<p style=\"text-align: center;\"><b><i>I kdy\u017e se rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed z dan\u00ed ode\u010d\u00edst ned\u00e1, m\u00e1 jinou hodnotu. Zajist\u00ed v\u00e1m ur\u010ditou finan\u010dn\u00ed jistotu v p\u0159\u00edpad\u011b ne\u010dekan\u00fdch ud\u00e1lost\u00ed, jako jsou invalidita \u010di ztr\u00e1ta p\u0159\u00edjmu.\u00a0<\/i><\/b><\/p>\n<p style=\"text-align: center;\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/mutumutu.cz\/co-pojistujeme'>Kolik vr\u00e1t\u00edme v\u00e1m?<\/a><\/div><\/p>\n<h2><span style=\"font-weight: 400;\">Jak uplatnit odpo\u010det \u017eivotn\u00edho poji\u0161t\u011bn\u00ed z dan\u00ed<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pokud jste zam\u011bstnanec, m\u016f\u017eete uplatnit \u017eivotn\u00ed poji\u0161t\u011bn\u00ed jako slevu na dani <\/span><b>prost\u0159ednictv\u00edm sv\u00e9ho zam\u011bstnavatele<\/b><span style=\"font-weight: 400;\"> \u2013 p\u0159i ro\u010dn\u00edm z\u00fa\u010dtov\u00e1n\u00ed dan\u011b. Sta\u010d\u00ed dodat potvrzen\u00ed od pojistitele (poji\u0161\u0165ovny) o v\u00fd\u0161i zaplacen\u00e9ho pojistn\u00e9ho. Pokud jste <\/span><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2024\/03\/25\/coby-kdyby-aneb-pribeh-o-velkem-snu-ktery-mohl-skoncit-stastne-hned-napoprve\/\"><span style=\"font-weight: 400;\">\u017eivnostn\u00edk (OSV\u010c)<\/span><\/a><span style=\"font-weight: 400;\"> nebo si dan\u011b z jak\u00e9hokoliv d\u016fvodu d\u011bl\u00e1te <\/span><b>sami, \u010d\u00e1stku uve\u010fte do p\u0159\u00edslu\u0161n\u00e9 kolonky v da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Je ale pot\u0159eba si vyjasnit jeden dost b\u011b\u017en\u00fd omyl. Odpo\u010det \u017eivotn\u00edho poji\u0161t\u011bn\u00ed neznamen\u00e1, \u017ee si \u010d\u00e1stku, kterou m\u00e1te na dan\u00edch zaplatit, sn\u00ed\u017e\u00edte o sou\u010det zaplacen\u00e9ho pojistn\u00e9ho. <\/span><b>Pojistn\u00e9 ode\u010d\u00edt\u00e1te od z\u00e1kladu, ze kter\u00e9ho se da\u0148 z p\u0159\u00edjmu po\u010d\u00edt\u00e1.<\/b><span style=\"font-weight: 400;\"> Nebo je\u0161t\u011b lid\u0161t\u011bji \u2013 pojistn\u00e9, kter\u00e9 jste v dan\u00e9m roce zaplatili, p\u0159ihod\u00edte na hrom\u00e1dku n\u00e1klad\u016f. N\u00e1klady ode\u010dtete od v\u0161ech p\u0159\u00edjm\u016f a m\u00e1te fin\u00e1ln\u00ed \u010d\u00e1stku, ze kter\u00e9 se vypo\u010d\u00edt\u00e1v\u00e1 da\u0148 z p\u0159\u00edjmu.<\/span><\/p>\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4256 size-full\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/01\/graf.png\" alt=\"Co lze z dan\u00ed ode\u010d\u00edst, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a dan\u011b\" width=\"1200\" height=\"1200\" srcset=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/01\/graf.png 1200w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/01\/graf-150x150.png 150w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/01\/graf-300x300.png 300w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/01\/graf-768x768.png 768w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/01\/graf-1024x1024.png 1024w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/01\/graf-24x24.png 24w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/01\/graf-48x48.png 48w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/01\/graf-96x96.png 96w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/>\n<h2><span style=\"font-weight: 400;\">Kolik lze ode\u010d\u00edst na \u017eivotn\u00edm poji\u0161t\u011bn\u00ed<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Od da\u0148ov\u00e9ho z\u00e1kladu si m\u016f\u017eete ode\u010d\u00edst pojistn\u00e9, kter\u00e9 jste za \u017eivotko <\/span><b>zaplatili za cel\u00fd p\u0159edchoz\u00ed rok<\/b><span style=\"font-weight: 400;\">. Maxim\u00e1ln\u00ed v\u00fd\u0161e je v\u0161ak 48 000 korun ro\u010dn\u011b. Pokud jste zaplatili v\u00edc, <\/span><b>ode\u010dtete pouze stanoven\u00fd limit 48 000 korun<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Pojistn\u00e9 za rok<\/b><\/td>\n<td><b>\u010c\u00e1stka, kterou si m\u016f\u017eete ode\u010d\u00edst<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">12 000 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12 000 K\u010d<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">24 000 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">24 000 K\u010d<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">36 000 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">36 000 K\u010d<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">48 000 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">48 000 K\u010d<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">60 000 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">48 000 K\u010d<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">72 000 K\u010d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">48 000 K\u010d<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Maxim\u00e1ln\u00ed ro\u010dn\u00ed \u00faspora pak d\u011bl\u00e1 7 200 K\u010d<\/b><span style=\"font-weight: 400;\"> (15 % z 48 000). To je \u010d\u00e1stka, o kterou zaplat\u00edte na dan\u00edch m\u00e9n\u011b.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Da\u0148ov\u011b podporovan\u00fdch produkt\u016f spo\u0159en\u00ed na st\u00e1\u0159\u00ed nebo poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de m\u016f\u017eete m\u00edt na sebe zalo\u017een\u00fdch v\u00edc, klidn\u011b u r\u016fzn\u00fdch poji\u0161\u0165oven. St\u00e1le ale plat\u00ed strop 48 000 K\u010d, a to <\/span><b>pro v\u0161echny da\u0148ov\u011b podporovan\u00e9 produkty dohromady<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Jak je to s da\u0148ovou uznatelnost\u00ed p\u0159\u00edsp\u011bvku zam\u011bstnavatele na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Zam\u011bstnavatel\u00e9 mohou sv\u00fdm lidem p\u0159isp\u00edvat na <\/span><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2023\/08\/17\/proc-mit-zivotni-pojisteni-kdy-se-pojistit\/\"><span style=\"font-weight: 400;\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/span><\/a><span style=\"font-weight: 400;\"> a a\u017e do ur\u010dit\u00e9 v\u00fd\u0161e je to <\/span><b>pro ob\u011b strany v\u00fdhodn\u00e9<\/b><span style=\"font-weight: 400;\">. P\u0159\u00edsp\u011bvek do 50 000 K\u010d ro\u010dn\u011b (na \u017eivotn\u00ed, penzijn\u00ed a dopl\u0148kov\u00e9 spo\u0159en\u00ed v\u010detn\u011b DIP a poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de dohromady) je <\/span><b>osvobozen\u00fd od dan\u011b a nepodl\u00e9h\u00e1 soci\u00e1ln\u00edmu ani zdravotn\u00edmu poji\u0161t\u011bn\u00ed<\/b><span style=\"font-weight: 400;\">. Pro firmu je tento p\u0159\u00edsp\u011bvek da\u0148ov\u011b uznateln\u00fd n\u00e1klad a zam\u011bstnanec ho nemus\u00ed danit v r\u00e1mci v\u00fdplaty. Pozor ale na dal\u0161\u00ed \u010dast\u00fd omyl \u2013 v r\u00e1mci ro\u010dn\u00edho vy\u00fa\u010dtov\u00e1n\u00ed <\/span><b>p\u0159\u00edsp\u011bvek zam\u011bstnavatele na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed do dan\u00ed nepat\u0159\u00ed<\/b><span style=\"font-weight: 400;\">. Ode\u010d\u00edst m\u016f\u017eete jen to, co jste zaplatili sami.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Zdan\u011bn\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed p\u0159i zru\u0161en\u00ed smlouvy<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Velk\u00e1 \u010d\u00e1st lid\u00ed se sp\u00e1l\u00ed pr\u00e1v\u011b tady. Pokud smlouvu zru\u0161\u00edte p\u0159ed\u010dasn\u011b, \u010dek\u00e1 v\u00e1s <\/span><b>dodan\u011bn\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/b><span style=\"font-weight: 400;\">. To znamen\u00e1, \u017ee mus\u00edte vr\u00e1tit to, co jste d\u00edky \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed na dan\u00edch u\u0161et\u0159ili za posledn\u00edch deset let. O tom, jak postupovat, se pora\u010fte se sv\u00fdm da\u0148ov\u00fdm poradcem. Existuj\u00ed ale i <\/span><b>v\u00fdjimky, kdy dostanete pojistn\u00e9 pln\u011bn\u00ed z\u00a0\u017eivotn\u00edho poji\u0161t\u011bn\u00ed d\u0159\u00edve<\/b><span style=\"font-weight: 400;\">, ale vr\u00e1tit da\u0148ovou podporu nemus\u00edte. Jde o \u017eivotn\u00ed situace, jako je invalidita t\u0159et\u00edho stupn\u011b nebo \u00famrt\u00ed.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Jak dodanit zru\u0161en\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Z\u00e1kon rozli\u0161uje dv\u011b r\u016fzn\u00e9 situace podle toho, odkud pen\u00edze na spo\u0159en\u00ed \u0161ly: va\u0161e vlastn\u00ed p\u0159\u00edsp\u011bvky a p\u0159\u00edsp\u011bvky od zam\u011bstnavatele.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">V prvn\u00edm p\u0159\u00edpad\u011b mus\u00edte <\/span><b>dodanit sou\u010det v\u0161ech sv\u00fdch p\u0159\u00edsp\u011bvk\u016f<\/b><span style=\"font-weight: 400;\">, kter\u00e9 jste si ode\u010detli za posledn\u00edch 10 let. Nez\u00e1le\u017e\u00ed na tom, jestli jste si spo\u0159en\u00ed mezit\u00edm p\u0159ev\u00e1d\u011bli mezi podobn\u00fdmi produkty, po\u0159\u00e1d se po\u010d\u00edt\u00e1 posledn\u00edch 10 zda\u0148ovac\u00edch obdob\u00ed. Tyto pen\u00edze uvedete v da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed jako <\/span><b>ostatn\u00ed p\u0159\u00edjem<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">V p\u0159\u00edpad\u011b <\/span><b>p\u0159\u00edsp\u011bvk\u016f od zam\u011bstnavatele<\/b><span style=\"font-weight: 400;\"> mus\u00edte dodanit sou\u010det jeho p\u0159\u00edsp\u011bvk\u016f za rok, kdy k poru\u0161en\u00ed do\u0161lo, plus za p\u0159edchoz\u00edch 10 let. Tuto \u010d\u00e1stku mus\u00edte v da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed uv\u00e9st jako <\/span><b>p\u0159\u00edjem ze z\u00e1visl\u00e9 \u010dinnosti<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Toto se v\u0161ak <\/span><b>t\u00fdk\u00e1 jen smluv uzav\u0159en\u00fdch po 1. lednu 2024<\/b><span style=\"font-weight: 400;\">. Pokud m\u00e1te smlouvu star\u0161\u00ed nebo v\u00e1m na poji\u0161t\u011bn\u00ed p\u0159isp\u00edval zam\u011bstnavatel, bude situace slo\u017eit\u011bj\u0161\u00ed. V takov\u00e9m p\u0159\u00edpad\u011b se pora\u010fte s da\u0148ov\u00fdm poradcem, a\u0165 n\u011bco nep\u0159ehl\u00e9dnete.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de lze tak\u00e9 ode\u010d\u00edst z dan\u00ed<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de je produkt, kter\u00fd pom\u016f\u017ee s vysok\u00fdmi n\u00e1klady na p\u00e9\u010di <\/span><b>v p\u0159\u00edpad\u011b ztr\u00e1ty sob\u011bsta\u010dnosti<\/b><span style=\"font-weight: 400;\">. Pokud budete kv\u016fli nemoci, \u00farazu \u010di st\u00e1\u0159\u00ed pot\u0159ebovat pomoc s b\u011b\u017en\u00fdmi \u00fakony, m\u016f\u017eete pravidelnou m\u011bs\u00ed\u010dn\u00ed rentu od poji\u0161\u0165ovny pou\u017e\u00edt na:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">dom\u00e1c\u00ed p\u00e9\u010di,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">asistovan\u00e9 bydlen\u00ed,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">domov pro seniory.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Da\u0148ov\u011b ode\u010ditatelnou polo\u017ekou je pojistn\u00e9 zaplacen\u00e9 za <\/span><b>poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de pro 3. a 4. stupe\u0148 z\u00e1vislosti<\/b><span style=\"font-weight: 400;\"> pro pojistn\u00edka, ale i pro osoby jemu bl\u00edzk\u00e9 (dal\u0161\u00ed poji\u0161t\u011bn\u00e9 osoby na smlouv\u011b).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de umo\u017e\u0148uje ode\u010det a\u017e 48 000 K\u010d ro\u010dn\u011b z da\u0148ov\u00e9ho z\u00e1kladu. I <\/span><b>zde ale plat\u00ed souhrnn\u00fd limit s dal\u0161\u00edmi produkty<\/b><span style=\"font-weight: 400;\"> na st\u00e1\u0159\u00ed (penzijn\u00ed spo\u0159en\u00ed, dlouhodob\u00fd investi\u010dn\u00ed produkt, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed).<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Odpo\u010det \u017eivotn\u00edho poji\u0161t\u011bn\u00ed z dan\u00ed neznamen\u00e1 klidn\u00e9 span\u00ed<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Da\u0148ov\u00e1 \u00faleva pot\u011b\u0161\u00ed, ale <\/span><b>nejv\u011bt\u0161\u00ed \u201ezv\u00fdhodn\u011bn\u00ed\u201c \u017eivotn\u00edho poji\u0161t\u011bn\u00ed p\u0159ich\u00e1z\u00ed ve chv\u00edli, kdy opravdu pom\u016f\u017ee<\/b><span style=\"font-weight: 400;\">. Skute\u010dnou \u00falevu p\u0159in\u00e1\u0161\u00ed v\u011bdom\u00ed, \u017ee se nemus\u00edte b\u00e1t o svou finan\u010dn\u00ed stabilitu, kdy\u017e se stane n\u011bco ne\u010dekan\u00e9ho. Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Mutumutu sice nejde ode\u010d\u00edst z dan\u00ed, ale dok\u00e1\u017ee nap\u0159\u00edklad nahradit p\u0159\u00edjem, pokud nem\u016f\u017eete pracovat d\u00e9le ne\u017e 30 nebo 60 dn\u00ed. A jako jedin\u00e9 v\u00e1s ka\u017ed\u00e9 t\u0159i m\u011bs\u00edce <\/span><b>odm\u011bn\u00ed za to, \u017ee se o sebe star\u00e1te<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><b><i>\u010c\u00e1st toho, co n\u00e1m zaplat\u00edte, v\u00e1m vr\u00e1t\u00edme v hotovosti na v\u00e1\u0161 \u00fa\u010det za to, \u017ee se h\u00fdbete, nekou\u0159\u00edte a chod\u00edte na preventivn\u00ed prohl\u00eddky ke sv\u00e9mu l\u00e9ka\u0159i. Dohromady tak m\u016f\u017eete zp\u00e1tky z\u00edskat a\u017e 30 % zaplacen\u00e9ho pojistn\u00e9ho.<\/i><\/b><\/p>\n<div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/www.mutumutu.cz\/odmena'>Kolik vr\u00e1t\u00edme v\u00e1m?<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u201eNa tomto sv\u011bt\u011b nen\u00ed nic jist\u00e9ho \u2013 krom\u011b smrti a placen\u00ed dan\u00ed.\u201c Kdysi to napsal Benjamin Franklin a plat\u00ed to po\u0159\u00e1d. Zat\u00edmco p\u0159ed t\u00edm prvn\u00edm v\u00e1s ani \u017eivotko neuchr\u00e1n\u00ed, s t\u00edm druh\u00fdm v\u00e1m m\u016f\u017ee pomoci. Mnoho lid\u00ed ale netu\u0161\u00ed, kter\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed lze ode\u010d\u00edst z dan\u00ed a jak se odpo\u010det uplat\u0148uje. Proto si te\u010f v\u0161echno  &#8230;<\/p>\n","protected":false},"author":49,"featured_media":4252,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31,29],"tags":[454,455,457,147,216],"class_list":["post-4251","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-featured","category-pojisteni","tag-dane","tag-penzijni-pripojisteni","tag-vse-o-pojisteni","tag-zivotko","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4251","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\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=4251"}],"version-history":[{"count":12,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4251\/revisions"}],"predecessor-version":[{"id":5613,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4251\/revisions\/5613"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/4252"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=4251"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=4251"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=4251"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}