{"id":4471,"date":"2021-03-24T16:36:19","date_gmt":"2021-03-24T15:36:19","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=4471"},"modified":"2025-09-24T15:15:50","modified_gmt":"2025-09-24T13:15:50","slug":"jak-funguje-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2021\/03\/24\/jak-funguje-zivotni-pojisteni\/","title":{"rendered":"Jak funguje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Ultim\u00e1tn\u00ed pr\u016fvodce, se kter\u00fdm v\u00e1s u\u017e nic nezasko\u010d\u00ed"},"content":{"rendered":"<p><b>Mnoho lid\u00ed v\u011b\u0159\u00ed, \u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je stra\u0161n\u011b komplikovan\u00fd produkt, se kter\u00fdm by si nedok\u00e1zali sami poradit. Mysl\u00edm, \u017ee tento m\u00fdtus p\u0159i\u017eivuj\u00ed n\u011bkte\u0159\u00ed poji\u0161\u0165ov\u00e1ci, ale z\u010d\u00e1sti za to m\u016f\u017eou i poji\u0161\u0165ovny. Jak se ka\u017ed\u00e1 sna\u017e\u00ed n\u011b\u010d\u00edm odli\u0161it a zaujmout, vym\u00fd\u0161lej\u00ed nov\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed nebo zv\u00fdhodn\u011bn\u00e9 pln\u011bn\u00ed pro specifick\u00e9 p\u0159\u00edpady. Ve skute\u010dnosti je to superjednoduch\u00e9. \u010ct\u011bte d\u00e1l \u2013 uk\u00e1\u017eu v\u00e1m, jak funguje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/b><\/p>\n<h2>Co v\u0161echno v pr\u016fvodci zjist\u00edte:<\/h2>\n<ul class=\"p-rich_text_list p-rich_text_list__bullet\" data-stringify-type=\"unordered-list\" data-indent=\"0\">\n<li data-stringify-indent=\"0\"><a class=\"c-link\" href=\"#zivotni-pojisteni\" rel=\"noopener noreferrer\" data-stringify-link=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2021\/03\/24\/ultimatni-pruvodce-zivotnim-pojistenim\/#zivotni-pojisteni\" data-sk=\"tooltip_parent\">Co je to \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li>\n<li data-stringify-indent=\"0\"><a href=\"#typy-zivotni-pojisteni\">Typy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a><\/li>\n<li data-stringify-indent=\"0\"><a href=\"#pojistna-castka\">Na kolik se pojistit<\/a><\/li>\n<li data-stringify-indent=\"0\"><a href=\"#zdravotni-stav\">V\u00e1\u0161 zdravotn\u00ed stav p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li>\n<li data-stringify-indent=\"0\"><a href=\"#pojistna-udalost\">Co d\u011blat p\u0159i pojistn\u00e9 ud\u00e1losti?<\/a><\/li>\n<li data-stringify-indent=\"0\"><a href=\"#vyluky\">V\u00fdluky \u2013 ty rozhodn\u011b nep\u0159ehl\u00e9dn\u011bte<\/a><\/li>\n<li data-stringify-indent=\"0\"><a href=\"#dane\">Da\u0148ov\u00e1 uznatelnost \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a><\/li>\n<li data-stringify-indent=\"0\"><a href=\"#ukonceni\">Ukon\u010den\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a><\/li>\n<li data-stringify-indent=\"0\"><a href=\"#shrnuti\">Shrnut\u00ed<\/a><\/li>\n<\/ul>\n<h2 id=\"zivotni-pojisteni\">Co je to \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n<p><span style=\"font-weight: 400;\">I kdy\u017e je \u0159e\u010d o <a href=\"https:\/\/mutumutu.cz\/\">\u017eivotn\u00edm poji\u0161t\u011b<\/a><\/span><span style=\"font-weight: 400;\">n\u00ed, ve skute\u010dnosti jde vlastn\u011b o <a href=\"https:\/\/mutumutu.cz\/pojisteni-smrti\">poji\u0161t\u011bn\u00ed smrti<\/a>. Proto\u017ee nen\u00ed \u017eivotka bez poji\u0161t\u011bn\u00ed smrti. Jde o povinn\u00e9 riziko v\u00a0ka\u017ed\u00e9 pojistn\u00e9 smlouv\u011b, k\u00a0n\u011bmu si pak m\u016f\u017eete dopojistit dal\u0161\u00ed rizika.<\/span><\/p>\n<p><strong>Tak\u017ee \u2013 jak funguje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Jednodu\u0161e. Na z\u00e1klad\u011b pojistn\u00e9 smlouvy plat\u00edte poji\u0161\u0165ovn\u011b pravideln\u011b v\u00a0do<\/span><span style=\"font-weight: 400;\">mluven\u00e9m intervalu pojistn\u00e9. Na opl\u00e1tku v\u00e1s poji\u0161\u0165ovna kryje pro p\u0159\u00edpad, \u017ee potk\u00e1te zubatou. A podle toho, na co v\u0161echno jste se pojistili, i pro dal\u0161\u00ed p\u0159\u00edpady.<\/span><\/p>\n<h2 style=\"font-size: 1em;\">Kdo dostane pen\u00edze<\/h2>\n<p><span style=\"font-weight: 400;\">Pokud jde o poji\u0161t\u011bn\u00ed smrti, vy pochopiteln\u011b z vyplacen\u00fdch pen\u011bz u\u017eitek m\u00edt nebudete, ale zajist\u00edte tak sv\u00e9 bl\u00edzk\u00e9. Kdy\u017e si poji\u0161t\u011bn\u00ed sjedn\u00e1v\u00e1te, ur\u010d\u00edte, komu maj\u00ed pen\u00edze b\u00fdt vyplaceny. Tomu \u010dlov\u011bku se \u0159\u00edk\u00e1 obmy\u0161len\u00e1 osoba. Pokud nikoho neur\u010d\u00edte, bude pln\u011bn\u00ed vyplaceno podle ob\u010dansk\u00e9ho z\u00e1kon\u00edku man\u017eelce nebo man\u017eelovi. Plat\u00ed to i pro registrovan\u00e9 partnery. Kdy\u017e man\u017eela ani man\u017eelku nem\u00e1te, pln\u011bn\u00ed dostanou d\u011bti. Nem\u00e1te-li ani d\u011bti, pln\u011bn\u00ed putuje va\u0161im rodi\u010d\u016fm. A pokud u\u017e rodi\u010de nejsou mezi \u017eiv\u00fdmi, p\u0159ich\u00e1z\u00ed na \u0159adu d\u011bdick\u00e9 \u0159\u00edzen\u00ed.<\/span><\/p>\n<h2 style=\"font-size: 1em;\">\u017divot, nebo smrt?<\/h2>\n<p><span style=\"font-weight: 400;\">V\u00a0\u017eivotku je poji\u0161t\u011bn\u00ed smrti nejen hlavn\u00ed, ale dokonce povinnou \u010d\u00e1st\u00ed. Pen\u00edze se z n\u011bj vypl\u00e1cej\u00ed opravdu pouze ve chv\u00edli, kdy dojde na nejhor\u0161\u00ed. Existuje v\u0161ak i poji\u0161t\u011bn\u00ed do\u017eit\u00ed. To pak dostanete pen\u00edze, kdy\u017e se do\u017eijete stanoven\u00e9ho v\u011bku nebo konce poji\u0161t\u011bn\u00ed. \u010c\u00e1stku, kterou m\u00e1 poji\u0161\u0165ovna vyplatit, si v obou p\u0159\u00edpadech vol\u00edte sami. U investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed se \u010d\u00e1stka, kterou poji\u0161\u0165ovna vyplat\u00ed, m\u011bn\u00ed podle toho, jak va\u0161e pen\u00edze investuje a zhodnocuje. Stejn\u011b tak vol\u00edte i dobu, na kterou se pojist\u00edte.<\/span><\/p>\n<p><b><i>TIP:<\/i><\/b><i><span style=\"font-weight: 400;\"> Doporu\u010duji pojistku sjednat do doby, kdy p\u016fjdete do d\u016fchodu. Jde o obdob\u00ed, ve kter\u00e9m jste ekonomicky aktivn\u00ed, pracujete, vyd\u011bl\u00e1v\u00e1te pen\u00edze, p\u0159\u00edpadn\u011b spl\u00e1c\u00edte hypot\u00e9ku.<\/span><\/i><\/p>\n<h2 style=\"font-size: 1em;\">Ale j\u00e1 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nepot\u0159ebuju.<\/h2>\n<p><span style=\"font-weight: 400;\">No, to mo\u017en\u00e1 plat\u00ed, pokud jste opravdu za vodou. Nebo nesmrteln\u00ed.<\/span><\/p>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4506\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/03\/Pro-koho-je-pojisteni-300x169.png\" alt=\"\" width=\"696\" height=\"392\" \/><\/strong><\/p>\n<h2 id=\"typy-zivotni-pojisteni\">Typy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n<p><span style=\"font-weight: 400;\">Kdy\u017e u\u017e je jasn\u00e9, \u017ee \u017eivotko pot\u0159ebujete, pod\u00edvejme se na z\u00e1kladn\u00ed typy.<\/span><\/p>\n<h2 style=\"font-size: 1em;\">Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n<p><span style=\"font-weight: 400;\">Poji\u0161t\u011bn\u00ed bez spo\u0159en\u00ed. To znamen\u00e1, \u017ee cel\u00e9 pojistn\u00e9 je ur\u010deno na kryt\u00ed rizik \u2013 smrti, p\u0159\u00edpadn\u011b i nemoci nebo \u00farazu. Plat\u00edte za jistotu, \u017ee pokud se n\u011bco semele, vy nebo va\u0161e rodina budete aspo\u0148 po finan\u010dn\u00ed str\u00e1nce v cajku. Kdy\u017e se nic nestane a poji\u0161t\u011bn\u00ed skon\u010d\u00ed, nic nedostanete.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To byl asi pro mnoho klient\u016f moment roz\u010darov\u00e1n\u00ed: \u201eT\u0159icet let plat\u00edm, a nakonec nic z\u00a0toho?\u201c Co naplat, \u017ee nejv\u011bt\u0161\u00ed benefit je ten, \u017ee je \u010dlov\u011bk \u017eiv a zdr\u00e1v\u2026 A proto vzniklo kapit\u00e1lov\u00e9 a pozd\u011bji i investi\u010dn\u00ed poji\u0161t\u011bn\u00ed.<\/span><\/p>\n<h2 style=\"font-size: 1em;\">Kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n<p><span style=\"font-weight: 400;\">Vlastn\u011b si spo\u0159\u00edte prost\u0159ednictv\u00edm poji\u0161t\u011bn\u00ed se zaru\u010den\u00fdm \u00farokem. Pojistn\u00e9, kter\u00e9 plat\u00edte, se rozd\u011bl\u00ed. Jedna \u010d\u00e1st slou\u017e\u00ed na pokryt\u00ed rizika smrti, \u00farazu a nemoci. Druh\u00e1 \u010d\u00e1st je ur\u010dena ke\u00a0zhodnocov\u00e1n\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00darokov\u00e1 sazba, kterou se \u00faro\u010d\u00ed va\u0161e naspo\u0159en\u00e1 rezerva, se naz\u00fdv\u00e1 technick\u00e1 \u00farokov\u00e1 m\u00edra. Jej\u00ed v\u00fd\u0161e se po celou dobu nem\u011bn\u00ed. M\u00e1te tak garantov\u00e1no, \u017ee na konci poji\u0161t\u011bn\u00ed dostanete aspo\u0148 n\u011bjak\u00fd obnos. I kdy\u017e m\u00e1te v\u00fdnos garantovan\u00fd, po\u010d\u00edtejte s t\u00edm, \u017ee jeho \u010d\u00e1st m\u016f\u017ee padnout na poplatky a dal\u0161\u00ed n\u00e1klady, kter\u00e9 za poji\u0161t\u011bn\u00ed zaplat\u00edte.<\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/b><\/h2>\n<a href=\"https:\/\/www.idnes.cz\/finance\/pojisteni\/rizikove-zivotni-pojisteni-investicni-zivotni-pojisteni-porovnani-priklady.A180226_160447_poj_sov\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">V\u011bt\u0161ina lid\u00ed<\/span><\/a><span style=\"font-weight: 400;\"> m\u00e1 uzav\u0159eno pr\u00e1v\u011b tohle poji\u0161t\u011bn\u00ed, v r\u00e1mci kter\u00e9ho jste nejen poji\u0161t\u011bnci, ale taky investo\u0159i. Pokud vydr\u017e\u00edte, \u010d\u00e1st va\u0161eho vkladu se toti\u017e \u010dasem zhodnot\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mnoho lid\u00ed si mysl\u00ed, \u017ee pokud si plat\u00edte tis\u00edcovku m\u011bs\u00ed\u010dn\u011b na poji\u0161t\u011bn\u00ed, kryje tato \u010d\u00e1stka sou\u010dasn\u011b riziko, na kter\u00e9 se poji\u0161\u0165ujete, a z\u00e1rove\u0148 se investuje. Opak je pravdou. Va\u0161e pojistn\u00e9 je rozd\u011bleno na dv\u011b \u010d\u00e1sti \u2013 jedna \u010d\u00e1st je na kryt\u00ed rizika a druh\u00e1 na investici. Ov\u0161em v\u00fdnos z\u00a0investic nemus\u00ed b\u00fdt garantovan\u00fd. Sami si zvol\u00edte investi\u010dn\u00ed strategii, od konzervativn\u00ed (s\u00a0n\u00edzk\u00fdm, ale jist\u011bj\u0161\u00edm v\u00fdnosem) a\u017e po dynamickou (s\u00a0vy\u0161\u0161\u00edm, ale m\u00e9n\u011b jist\u00fdm v\u00fdnosem). I v\u00a0tomto poji\u0161t\u011bn\u00ed mohou b\u00fdt v\u00fdnosy sn\u00ed\u017eeny o poplatky.<\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>Da\u0148ov\u00e9 odpo\u010dty jako bonus<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">V\u00fdhodou \u201ekapit\u00e1lovka\u201c i \u201einvesti\u010dka\u201c je jejich da\u0148ov\u00e1 uznatelnost. O tom a\u017e za chv\u00edli.\u00a0<\/span><\/p>\n<p><b>Srovn\u00e1n\u00ed \u017eivotn\u00edch poji\u0161t\u011bn\u00ed<\/b><\/p>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4530\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/03\/Group-107-300x114.png\" alt=\"\" width=\"695\" height=\"264\" \/><\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>P\u0159ipoji\u0161t\u011bn\u00ed<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Z\u00a0poji\u0161t\u011bn\u00ed smrti se r\u00e1zem stane poji\u0161t\u011bn\u00ed \u017eivota, kdy\u017e se p\u0159ipojist\u00edte i na rizika, kter\u00e1 v\u00e1s ohro\u017euj\u00ed v\u00a0pr\u016fb\u011bhu \u017eivota. Tohle jsou ta nej\u010dast\u011bj\u0161\u00ed.<\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>P\u0159ipoji\u0161t\u011bn\u00ed hypot\u00e9ky nebo \u00fav\u011bru<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Zat\u00edmco z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti pokryje n\u00e1klady na poh\u0159eb a ostatn\u00ed n\u00e1klady rodiny, tohle p\u0159ipoji\u0161t\u011bn\u00ed slou\u017e\u00ed k zaplacen\u00ed hypot\u00e9ky nebo \u00fav\u011br\u016f. Chcete-li rodin\u011b zajistit st\u0159echu nad hlavou, pojist\u011bte se minim\u00e1ln\u011b na \u010d\u00e1stku, kter\u00e1 odpov\u00edd\u00e1 nesplacen\u00e9 \u010d\u00e1sti hypot\u00e9ky. V tomto poji\u0161t\u011bn\u00ed plat\u00edte celou dobu stejn\u00e9 pojistn\u00e9, ale pen\u00edze, kter\u00e9 vyplat\u00ed poji\u0161\u0165ovna, kop\u00edruj\u00ed to, jak spl\u00e1c\u00edte \u00fav\u011br. Tak\u017ee v prvn\u00edm roce vyplat\u00ed nap\u0159\u00edklad p\u011bt milion\u016f korun, v des\u00e1t\u00e9m roce t\u0159i miliony a posledn\u00ed rok jen p\u00e1r tis\u00edc.<\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>P\u0159ipoji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Od\u0161kodn\u00ed v\u00e1s po \u00farazu, kter\u00fd zanech\u00e1 trval\u00e9 t\u011blesn\u00e9 po\u0161kozen\u00ed. Jde nap\u0159\u00edklad o pop\u00e1leniny, omezen\u00e9 funkce org\u00e1n\u016f, omezenou hybnost kon\u010detin nebo jejich ztr\u00e1tu. V\u00fdplatu pen\u011bz za \u00farazy stanovuje ka\u017ed\u00e1 poji\u0161\u0165ovna podle vlastn\u00edch oce\u0148ovac\u00edch tabulek. Kdy\u017e se pojist\u00edte na milion korun a n\u00e1sledkem \u00farazu p\u0159ijdete o palec na ruce, kter\u00fd je v tabulce ohodnocen jako 20% po\u0161kozen\u00ed, dostanete 20 % z milionu, tak\u017ee 200 tis\u00edc.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dnes ji\u017e v\u011bt\u0161ina poji\u0161\u0165oven nab\u00edz\u00ed takzvan\u00e9 <\/span><b>progresivn\u00ed pln\u011bn\u00ed<\/b><span style=\"font-weight: 400;\">. To znamen\u00e1, \u017ee pln\u011bn\u00ed, na kter\u00e9 m\u00e1te n\u00e1rok, n\u011bkolikan\u00e1sobn\u011b nav\u00fd\u0161\u00ed. Dokonce a\u017e o 700 %. Vypad\u00e1 to l\u00e1kav\u011b, ale\u2026 Tohle pln\u011bn\u00ed poji\u0161\u0165ovny nab\u00edzej\u00ed a\u017e od ur\u010dit\u00e9 v\u00fd\u0161e po\u0161kozen\u00ed (nap\u0159. od 20 %). Je dobr\u00e9 i v\u011bd\u011bt, \u017ee 95 % \u00faraz\u016f zp\u016fsob\u00ed po\u0161kozen\u00ed pr\u00e1v\u011b do dvaceti procent.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dal\u0161\u00edm p\u0159ekvapen\u00edm b\u00fdv\u00e1 zji\u0161t\u011bn\u00ed, \u017ee na pln\u011bn\u00ed z tohoto rizika m\u00e1te n\u00e1rok, a\u017e se n\u00e1sledky \u00farazu ust\u00e1l\u00ed. To m\u016f\u017ee podle poji\u0161\u0165oven trvat minim\u00e1ln\u011b rok. Tak\u017ee za zlomenou ruku pen\u00edze z tohoto p\u0159ipoji\u0161t\u011bn\u00ed nedostanete. Ale dostanete je za jej\u00ed omezenou hybnost, a to jen pokud se ani po roce \u00fapln\u011b nebo spr\u00e1vn\u011b nezahoj\u00ed.<\/span><\/p>\n<p><b><i>TIP: <\/i><\/b><i><span style=\"font-weight: 400;\">Tohle p\u0159ipoji\u0161t\u011bn\u00ed si sjedn\u00e1v\u00e1 hodn\u011b lid\u00ed, proto\u017ee vysok\u00e9 pojistn\u00e9 \u010d\u00e1stky vypadaj\u00ed l\u00e1kav\u011b. Ne\u017e si jej ale sjedn\u00e1te, nechte si pln\u011bn\u00ed po\u0159\u00e1dn\u011b vysv\u011btlit a pod\u00edvejte se na oce\u0148ovac\u00ed tabulky. Abyste nebyli po \u00farazu p\u0159ekvapeni, kde jsou va\u0161e miliony. A v\u00edte, \u017ee jen 8 % neschopenek je vystaveno kv\u016fli \u00faraz\u016fm? Zbyl\u00fdch 92 % je kv\u016fli nemoci. Co\u017e n\u00e1s p\u0159iv\u00e1d\u00ed k dal\u0161\u00edmu bodu.<\/span><\/i><\/p>\n<h2 style=\"font-size: 1em;\"><b>P\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Jeho \u00fakolem je ochr\u00e1nit v\u00e1\u0161 p\u0159\u00edjem, kdy\u017e o n\u011bj n\u00e1sledkem nemoci nebo \u00farazu p\u0159ijdete. Nej\u010dast\u011bji se sjedn\u00e1v\u00e1 pln\u011bn\u00ed od 15. nebo 29. dne pracovn\u00ed neschopnosti. To znamen\u00e1, \u017ee pen\u00edze od poji\u0161\u0165ovny za\u010dnete dost\u00e1vat a\u017e po prvn\u00edch 15 nebo 29 dnech na neschopence. Existuj\u00ed v\u0161ak i jin\u00e9 varianty, a na trhu je dokonce poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti se zp\u011btn\u00fdm pln\u011bn\u00edm od prvn\u00edho dne. S\u00a0takov\u00fdm poji\u0161t\u011bn\u00edm dostane pen\u00edze za celou dobu neschopenky.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4524\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/03\/Pracovn\u00ed-neschopnost-300x169.png\" alt=\"\" width=\"696\" height=\"392\" \/><\/p>\n<p><span style=\"font-weight: 400;\">V\u0161e d\u016fle\u017eit\u00e9 o <a href=\"https:\/\/mutumutu.cz\/pojisteni-pracovni-neschopnosti\">poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad pracovn\u00ed neschopnosti<\/a> najdete <\/span><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2020\/11\/23\/pojisteni-pracovni-neschopnosti\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">v\u00a0obs\u00e1hl\u00e9m \u010dl\u00e1nku<\/span><\/a><span style=\"font-weight: 400;\">, ve kter\u00e9m p\u00ed\u0161eme o v\u00fdhod\u00e1ch i \u00faskal\u00edch tohoto poji\u0161t\u011bn\u00ed.<\/span><\/p>\n<p><a href=\"https:\/\/www.mutumutu.cz\/pojisteni-pracovni-neschopnosti\" target=\"_blank\" rel=\"noopener\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/www.mutumutu.cz\/pojisteni-pracovni-neschopnosti'>Jak je to u n\u00e1s<\/a><\/div><\/a><\/p>\n<h2 style=\"font-size: 1em;\"><b>P\u0159ipoji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed<\/b><b><br \/>\n<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">To v\u00e1m m\u00e1 pomoct, kdy\u017e se l\u00e9\u010d\u00edte s v\u00e1\u017enou nemoc\u00ed. O sjedn\u00e1n\u00ed tohoto rizika byste m\u011bli uva\u017eovat, pokud se ve va\u0161\u00ed rodin\u011b takov\u00e1 nemoc vyskytuje opakovan\u011b. Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 vlastn\u00ed seznam v\u00e1\u017en\u00fdch chorob, za kter\u00e9 vyplat\u00ed pln\u011bn\u00ed ve form\u011b jednor\u00e1zov\u00e9 \u010d\u00e1stky. Tu si vol\u00edte p\u0159i sjedn\u00e1n\u00ed. Ur\u010dit\u011b na seznamu budou srde\u010dn\u00ed infarkt, c\u00e9vn\u00ed mozkov\u00e1 p\u0159\u00edhoda, rakovina, amputace \u010d\u00e1sti t\u011bla, ztr\u00e1ta zraku nebo sluchu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jen\u017ee poji\u0161\u0165ovny tento seznam je\u0161t\u011b omez\u00ed t\u00edm, \u017ee stanov\u00ed konkr\u00e9tn\u00ed diagn\u00f3zy nebo stadia nemoci, p\u0159i kter\u00fdch v\u00e1m teprve vznik\u00e1 n\u00e1rok na pln\u011bn\u00ed. Tak\u017ee nap\u0159\u00edklad nesta\u010d\u00ed, \u017ee v\u00e1m byla diagnostikov\u00e1na rakovina. Mus\u00ed to b\u00fdt rakovina konkr\u00e9tn\u00edho org\u00e1nu nebo v konkr\u00e9tn\u00edm stadiu, nap\u0159\u00edklad ko\u017en\u00ed T-lymfom od II. stadia. Pokud si toto poji\u0161t\u011bn\u00ed sjedn\u00e1te, zkontrolujte oce\u0148ovac\u00ed tabulky, abyste si byli jisti, co m\u00e1te poji\u0161t\u011bno a co ne.<\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>P\u0159ipoji\u0161t\u011bn\u00ed invalidity<\/b><\/h2>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/mutumutu.cz\/pojisteni-invalidity\">Invalidita<\/a> je jedn\u00edm z nejd\u016fle\u017eit\u011bj\u0161\u00edch rizik v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed. Zam\u00e1v\u00e1 toti\u017e fyzick\u00fdm a du\u0161evn\u00edm zdrav\u00edm v\u00e1s i cel\u00e9 rodiny, prov\u011btr\u00e1 va\u0161e rezervy nebo \u00faspory a z\u00e1sadn\u011b ovlivn\u00ed finan\u010dn\u00ed situaci rodiny. Je to tak\u00e9 dal\u0161\u00ed riziko, za kter\u00e9 \u010dast\u011bji m\u016f\u017ee nemoc ne\u017e \u00faraz. A v\u00edte, \u017ee v\u00edc ne\u017e polovinu v\u0161ech p\u0159\u00edpad\u016f invalidity v \u010cesku tvo\u0159\u00ed nemoci pohybov\u00e9 soustavy a du\u0161evn\u00ed nemoci?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V \u010cesku rozli\u0161ujeme t\u0159i stupn\u011b invalidity, o kter\u00fdch rozhoduj\u00ed org\u00e1ny st\u00e1tn\u00ed spr\u00e1vy. Ur\u010duj\u00ed procentn\u00ed sn\u00ed\u017een\u00ed va\u0161\u00ed schopnosti pracovat nebo se spole\u010densky uplatnit ve srovn\u00e1n\u00ed se zdrav\u00fdm \u010dlov\u011bkem, kter\u00fd m\u00e1 jinak stejn\u00fd potenci\u00e1l. P\u0159i posuzov\u00e1n\u00ed berou v potaz va\u0161e vzd\u011bl\u00e1n\u00ed, praxi i to, jak se s posti\u017een\u00edm s\u017e\u00edv\u00e1te. Proto nelze jednozna\u010dn\u011b \u0159\u00edct, p\u0159i jak\u00e9m po\u0161kozen\u00ed v\u00e1m bude p\u0159izn\u00e1n kter\u00fd stupe\u0148 invalidity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Uve\u010fme si to na p\u0159\u00edkladu. Pokud u\u010ditel angli\u010dtiny p\u0159ijde o levou ruku v z\u00e1p\u011bst\u00ed, jeho schopnost vykon\u00e1vat pr\u00e1ci nemus\u00ed b\u00fdt ohro\u017eena. Kdy\u017e o ni p\u0159ijde klav\u00edrista ve St\u00e1tn\u00ed filharmonii, bude to z hlediska jeho povol\u00e1n\u00ed mnohem z\u00e1va\u017en\u011bj\u0161\u00ed probl\u00e9m.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad invalidity je nejt\u011b\u017e\u0161\u00ed stanovit dostate\u010dnou pojistnou \u010d\u00e1stku. M\u016f\u017eete zvolit:<\/span><\/p>\n<ol>\n<li><b> Jednor\u00e1zovou v\u00fdplatu<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Od poji\u0161\u0165ovny ji dostanete po p\u0159izn\u00e1n\u00ed invalidity. T\u00edm poji\u0161t\u011bn\u00ed skon\u010d\u00ed. Kdy\u017e se stanete invalidn\u00edmi nap\u0159\u00edklad po c\u00e9vn\u00ed mozkov\u00e9 p\u0159\u00edhod\u011b, je pravd\u011bpodobn\u00e9, \u017ee se v\u00e1\u0161 stav bude zlep\u0161ovat. Zpravidla po roce v\u00e1s \u010dek\u00e1 revize u posudkov\u00e9ho l\u00e9ka\u0159e, po kter\u00e9 v\u00e1m st\u00e1tn\u00ed spr\u00e1va m\u016f\u017ee zm\u011bnit stupe\u0148 invalidity nebo ji odebrat. I kdy\u017e se tak stane, nemus\u00edte jednor\u00e1zovou v\u00fdplatu poji\u0161\u0165ovn\u011b vracet.<\/span><\/p>\n<ol start=\"2\">\n<li><b> V\u00fdplatu pravideln\u00e9 renty<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Velk\u00fd obnos pen\u011bz v\u00e1m na za\u010d\u00e1tku pom\u016f\u017ee p\u0159eorganizovat \u017eivot v\u010detn\u011b bydlen\u00ed (co\u017e je \u010dasto pot\u0159eba). Jen\u017ee nen\u00ed jasn\u00e9, na jak dlouho v\u00e1m vysta\u010d\u00ed. Pravideln\u00e1 renta oproti tomu dorovn\u00e1 rozd\u00edl mezi invalidn\u00edm d\u016fchodem a p\u016fvodn\u00edm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem, kter\u00fd jste m\u011bli ze zam\u011bstn\u00e1n\u00ed. Pokud v\u00e1m nicm\u00e9n\u011b po revizi invalidn\u00ed d\u016fchod odeberou, bude vypl\u00e1cen\u00ed renty pozastaveno.<\/span><\/p>\n<p><b><i>TIP: <\/i><\/b><i><span style=\"font-weight: 400;\">Nejlep\u0161\u00ed je kombinace obou. Na \u00fapravu bydlen\u00ed v\u00e1m posta\u010d\u00ed 300 a\u017e 500 tis\u00edc. Rentu volte podle sv\u00e9ho sou\u010dasn\u00e9ho p\u0159\u00edjmu a p\u0159i\u010dt\u011bte n\u011bco nav\u00edc na rehabilitace a l\u00e9ky.\u00a0<\/span><\/i><\/p>\n<p><a href=\"https:\/\/www.mutumutu.cz\/pojisteni-invalidity\" target=\"_blank\" rel=\"noopener\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/www.mutumutu.cz\/pojisteni-invalidity'>Poji\u0161t\u011bn\u00ed invalidity<\/a><\/div><\/a><\/p>\n<h2 style=\"font-size: 1em;\"><b>P\u0159ipoji\u0161t\u011bn\u00ed d\u011bt\u00ed<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Spousta \u010derstv\u00fdch maminek by rad\u0161i po\u0159\u00eddila \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro d\u011bti ne\u017e pro sebe. Ale to je velk\u00fd omyl.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">I d\u011bti lze pojistit na r\u016fzn\u00e1 rizika. Volte v\u0161ak pouze ta, kter\u00e1 by ohrozila v\u00e1\u0161 p\u0159\u00edjem, pokud byste se o n\u011b museli dlouhodob\u011b starat. Tak\u017ee:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">invaliditu nebo ztr\u00e1tu sob\u011bsta\u010dnosti<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">z\u00e1va\u017en\u00e1 onemocn\u011bn\u00ed (pokud je m\u00e1te v rodin\u011b)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">p\u0159\u00edpadn\u011b smrt (ale jen na \u010d\u00e1stku nezbytnou na pokryt\u00ed poh\u0159ebn\u00edch n\u00e1klad\u016f)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Potomstvo m\u016f\u017eete p\u0159ipojistit v r\u00e1mci sv\u00e9 vlastn\u00ed pojistn\u00e9 smlouvy, co\u017e m\u00e1 sv\u00e9 v\u00fdhody i nev\u00fdhody. Hlavn\u00edm benefitem je, \u017ee nemus\u00edte sjedn\u00e1vat dv\u011b samostatn\u00e9 smlouvy a plat\u00edte jen jedno pojistn\u00e9. Nev\u00fdhodou je, \u017ee jde opravdu jen o p\u0159ipoji\u0161t\u011bn\u00ed k va\u0161\u00ed smlouv\u011b, tak\u017ee stav va\u0161\u00ed pojistky ovliv\u0148uje i poji\u0161t\u011bn\u00ed d\u011bt\u00ed. Kdy\u017e ukon\u010d\u00edte svou pojistku, skon\u010d\u00ed t\u00edm oboje, samoz\u0159ejm\u011b pokud va\u0161e poji\u0161\u0165ovna neumo\u017en\u00ed zm\u011bnu na d\u011btskou pojistku.\u00a0<\/span><\/p>\n<p><b><i>TIP: <\/i><\/b><i><span style=\"font-weight: 400;\">A co ostatn\u00ed rizika, jako nap\u0159\u00edklad od\u0161kodn\u00e9 za \u00faraz, hospitalizace po \u00farazu, denn\u00ed od\u0161kodn\u00e9 za dobu l\u00e9\u010den\u00ed \u00farazu nebo nemoci? Ur\u010dit\u011b je dob\u0159e zva\u017ete. Ned\u00e1vno mi jeden poji\u0161\u0165ov\u00e1k radil, a\u0165 to ud\u011bl\u00e1m jako jeho klienti. Pojistili syna, kter\u00fd je dost \u201e\u017eiv\u00fd\u201c, a p\u011bkn\u011b si tak p\u0159ivyd\u011blali na jeho \u00farazech a s\u00e1dr\u00e1ch. Tak takhle pros\u00edm ne. To si rad\u011bji odkl\u00e1dejte pen\u00edze stranou, vyplat\u00ed se to v\u00edc.<\/span><\/i><\/p>\n<h2 style=\"font-size: 1em;\"><b>P\u0159ipoji\u0161t\u011bn\u00ed hospitalizace<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">M\u016f\u017ee v\u00e1m proplatit n\u00e1klady za nadstandard v\u00a0nemocnici, pln\u011bn\u00edm je toti\u017e denn\u00ed d\u00e1vka za dobu va\u0161\u00ed hospitalizace. Vypl\u00e1c\u00ed se a\u017e po propu\u0161t\u011bn\u00ed z\u00a0nemocnice. Stejn\u011b jako u pracovn\u00ed neschopnosti tu mohou b\u00fdt stanoven\u00e9 lh\u016fty, jak dlouho mus\u00ed hospitalizace trvat, abyste m\u011bli n\u00e1rok na pln\u011bn\u00ed. Ale vzhledem k\u00a0tomu, \u017ee <\/span><a href=\"https:\/\/www.czso.cz\/documents\/10180\/91605937\/300002190203.pdf\/3b791c33-022b-48c5-b035-bddefaba48a5?version=1.1\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">pr\u016fm\u011brn\u00e1 d\u00e9lka hospitalizace<\/span><\/a><span style=\"font-weight: 400;\"> je \u0161est dn\u016f, rad\u011bji zva\u017ete, zda je toto p\u0159ipoji\u0161t\u011bn\u00ed pro v\u00e1s nezbytn\u00e9.<\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>P\u0159ipoji\u0161t\u011bn\u00ed \u00farazu, t\u011blesn\u00e9ho po\u0161kozen\u00ed nebo<\/b> <b>denn\u00edho od\u0161kodn\u00e9ho<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Klienti maj\u00ed \u010dasto pocit, \u017ee se jim tohle poji\u0161t\u011bn\u00ed vyplat\u00ed, proto\u017ee \u00faraz si dok\u00e1\u017eou p\u0159edstavit l\u00e9pe ne\u017e l\u00e9\u010dbu dlouhodob\u00e9 nemoci. Principem je od\u0161kodnit v\u00e1s za to, \u017ee m\u00e1te \u201ebeb\u00ed\u010dko\u201c. Pro pln\u011bn\u00ed maj\u00ed poji\u0161\u0165ovny oce\u0148ovac\u00ed tabulky, podle kter\u00fdch vypl\u00e1cej\u00ed. Ale pokud si d\u00e1te stranou pen\u00edze, kter\u00e9 byste jinak pos\u00edlali poji\u0161\u0165ovn\u011b, a srovn\u00e1te to s\u00a0pravd\u011bpodobnost\u00ed \u00farazu a v\u00fd\u0161\u00ed pln\u011bn\u00ed od n\u00ed, budete m\u00edt jasno.\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>P\u0159ipoji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">V dob\u011b covidu-19 se op\u011bt dost\u00e1v\u00e1 mezi hodn\u011b \u017e\u00e1dan\u00e1 a vyhled\u00e1van\u00e1 poji\u0161t\u011bn\u00ed. Obvykle neb\u00fdv\u00e1 sou\u010d\u00e1st\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. \u010cast\u011bji ho nab\u00edzej\u00ed banky a dal\u0161\u00ed finan\u010dn\u00ed instituce, a to ke sv\u00fdm \u00fav\u011brov\u00fdm produkt\u016fm. Toto bankopoji\u0161t\u011bn\u00ed m\u00e1 ochr\u00e1nit schopnost klienta spl\u00e1cet \u00fav\u011br, ne jeho \u017eivot.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Te\u010f ale to nejt\u011b\u017e\u0161\u00ed.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4522\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/03\/Ultimate-guide-insurence-300x156.jpg\" alt=\"\" width=\"644\" height=\"335\" \/><\/p>\n<h2 id=\"pojistna-castka\"><b>Na kolik se pojistit<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Kdy\u017e sjedn\u00e1v\u00e1te poji\u0161t\u011bn\u00ed s\u00a0poradcem u kaf\u00ed\u010dka, v\u00edcem\u00e9n\u011b spol\u00e9h\u00e1te na to, \u017ee to rozhodne za v\u00e1s. Jen\u017ee aby mohl va\u0161i situaci spr\u00e1vn\u011b posoudit, mus\u00edte mu o sob\u011b mnoh\u00e9 prozradit. A to se n\u00e1m mnohdy nechce, zvl\u00e1\u0161\u0165 kdy\u017e se s\u00a0n\u00edm dob\u0159e nezn\u00e1me. Nejjednodu\u0161\u0161\u00ed je sjednat si sv\u00e9 \u017eivotko s\u00e1m, online, podle sebe. Nap\u0159\u00edklad u <\/span><a href=\"http:\/\/www.mutumutu.cz\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Mutumutu<\/span><\/a><span style=\"font-weight: 400;\">. Nebo si zvolit poradce, kter\u00e9mu opravdu d\u016fv\u011b\u0159ujete.<\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>Tak\u017ee jak\u00e9 zvolit pojistn\u00e9 kryt\u00ed?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Spr\u00e1vnou a dostate\u010dnou \u010d\u00e1stku zvolte pro ka\u017ed\u00e9 riziko. Nespol\u00e9hejte na to, \u017ee v\u00a0sou\u010dtu m\u00e1te smrt, invaliditu a pracovn\u00ed neschopnost poji\u0161t\u011bn\u00e9 na 2 miliony korun. Museli byste b\u00fdt opravdu velc\u00ed smola\u0159i, aby v\u00e1s to v\u0161echno potkalo najednou. Tak\u017ee pot\u0159ebujete spr\u00e1vnou \u010d\u00e1stku na ka\u017ed\u00e9 riziko.<\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>Ale jak to spo\u010d\u00edt\u00e1m?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">U ka\u017ed\u00e9ho rizika si p\u0159edstavte, \u017ee ta situace re\u00e1ln\u011b nastala. Na jednu hrom\u00e1dku dejte v\u0161echny v\u00fddaje a n\u00e1klady rodiny. Od n\u00e1jmu a toho, co utrat\u00edte za j\u00eddlo, po \u00fav\u011bry, hypot\u00e9ku, poplatky nebo \u0161koln\u00e9. Na druhou hrom\u00e1dku dejte v\u0161echny rezervy a p\u0159\u00edjmy, kter\u00e9 by rodina m\u011bla bez va\u0161eho platu. P\u0159iho\u010fte i p\u0159\u00edpadn\u00e9 dal\u0161\u00ed pen\u00edze, kter\u00e9 by va\u0161e rodina mohla re\u00e1ln\u011b obstarat. T\u0159eba prodej auta, pron\u00e1jem bytu nebo chalupy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rozd\u00edl mezi ob\u011bma hrom\u00e1dkami je \u010d\u00e1stka, na kterou byste se m\u011bli minim\u00e1ln\u011b pojistit. Rad\u011bji byste chalupu zachr\u00e1nili? P\u0159iho\u010fte do pojistn\u00e9 \u010d\u00e1stky v\u00edc.<\/span><\/p>\n<p><b><i>TIP: <\/i><\/b><i><span style=\"font-weight: 400;\">V\u00a0Mutumutu bychom v\u00e1m doporu\u010dili pojistit si smrt na \u010d\u00e1stku, kterou spo\u010d\u00edt\u00e1te n\u00e1sledovn\u011b: se\u010dt\u011bte v\u0161echny ro\u010dn\u00ed v\u00fddaje a p\u0159\u00edjmy va\u0161\u00ed rodiny bez toho va\u0161eho. Vyn\u00e1sob\u00edte je po\u010dtem let, kter\u00fd asi uplyne do doby, ne\u017e se nejmlad\u0161\u00ed d\u00edt\u011b postav\u00ed na vlastn\u00ed nohy. Nakonec p\u0159i\u010dtete nesplacenou \u010d\u00e1st sv\u00e9 hypot\u00e9ky nebo jin\u00fdch \u00fav\u011br\u016f.<\/span><\/i><\/p>\n<h2 style=\"font-size: 1em;\"><b>Renta vs. jednor\u00e1zov\u00e9 pln\u011bn\u00ed<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Jak jsme psali v\u00fd\u0161e, u invalidity doporu\u010dujeme kombinaci jednor\u00e1zov\u00e9ho pln\u011bn\u00ed a pravideln\u00e9 renty. Jednor\u00e1zov\u00e9 pln\u011bn\u00ed zvolte ide\u00e1ln\u011b v takov\u00e9 v\u00fd\u0161i, aby splatilo va\u0161i hypot\u00e9ku, pokrylo n\u00e1klady na \u00fapravu bydlen\u00ed nebo po\u0159\u00edzen\u00ed auta na va\u0161i p\u0159epravu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">U pravideln\u00e9 renty si <\/span><a href=\"https:\/\/www.kurzy.cz\/kalkulacka\/invalidni-duchod\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">nap\u0159\u00edklad pomoc\u00ed t\u00e9to kalkula\u010dky<\/span><\/a><span style=\"font-weight: 400;\"> vypo\u010d\u00edtejte rozd\u00edl mezi va\u0161\u00edm sou\u010dasn\u00fdm p\u0159\u00edjmem a invalidn\u00edm d\u016fchodem. A to bude \u010d\u00e1stka, na kterou se m\u00e1te pojistit. Chcete-li dost\u00e1vat v\u00edc, navy\u0161te pojistnou \u010d\u00e1stku. Samoz\u0159ejm\u011b \u010d\u00edm vy\u0161\u0161\u00ed bude kryt\u00ed, t\u00edm v\u00edc budete poji\u0161\u0165ovn\u011b platit.<\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>Jak je to u pracovn\u00ed neschopnosti?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Tam jde v\u017edy o rentu. Zat\u00edmco u invalidity si poji\u0161\u0165ujete \u017eivot, kter\u00fd m\u00e1 nevy\u010d\u00edslitelnou hodnotu, u poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti si poji\u0161\u0165ujete pouze chyb\u011bj\u00edc\u00ed p\u0159\u00edjem. Proto pojistnou \u010d\u00e1stku volte podle sv\u00e9ho re\u00e1ln\u00e9ho p\u0159\u00edjmu. P\u0159\u00edslu\u0161nou \u010d\u00e1stku najdete v\u00a0tabulk\u00e1ch jednotliv\u00fdch poji\u0161\u0165oven.<\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>A co poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch nemoc\u00ed?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">To je oby\u010dejn\u011b dost drah\u00e9. Ale ve v\u00fdsledku levn\u011bj\u0161\u00ed ne\u017e biologick\u00e1 l\u00e9\u010dba rakoviny, kter\u00e1 stoj\u00ed i milion korun ro\u010dn\u011b. Volila bych \u010d\u00e1stku minim\u00e1ln\u011b 300 000 korun, ale berte ohled na sv\u016fj m\u011bs\u00ed\u010dn\u00ed rozpo\u010det a na to, kolik budete poji\u0161\u0165ovn\u011b pravideln\u011b platit.<\/span><\/p>\n<h2 id=\"zdravotni-stav\"><b>V\u00e1\u0161 zdravotn\u00ed stav p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Z pohodl\u00ed domova dnes vy\u0159e\u0161\u00edme v\u0161echno od t\u00fddenn\u00edho n\u00e1kupu po sjedn\u00e1n\u00ed hypot\u00e9ky. I \u017eivotko si u\u017e m\u016f\u017eete sjednat online. Jeho po\u0159\u00edzen\u00ed ov\u0161em nekon\u010d\u00ed kliknut\u00edm my\u0161i.<\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>Jste rizikov\u00ed?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Kdy\u017e si poji\u0161t\u011bn\u00ed sjedn\u00e1v\u00e1te, mus\u00edte vyplnit zdravotn\u00ed dotazn\u00edk. Od z\u00e1kladn\u00edch \u00fadaj\u016f, jako je v\u00fd\u0161ka a v\u00e1ha, p\u0159es po\u010det cigaret, kter\u00e9 za rok vykou\u0159\u00edte, a\u017e po l\u00e9ky, kter\u00e9 pravideln\u011b u\u017e\u00edv\u00e1te. Nebo detaily o nemocech, kter\u00e9 jste p\u0159ekonali b\u011bhem posledn\u00edch n\u011bkolika let. Poji\u0161\u0165ovna pot\u0159ebuje v\u011bd\u011bt, jak jste rizikov\u00ed. T\u0159eba jestli m\u00e1te rizikov\u00e9 povol\u00e1n\u00ed nebo se v\u011bnujete rizikov\u00fdm sport\u016fm \u2013 jejich seznam si ka\u017ed\u00e1 poji\u0161\u0165ovna ur\u010duje sama. V\u00a0takov\u00e9m p\u0159\u00edpad\u011b pak m\u016f\u017eete platit vy\u0161\u0161\u00ed pojistn\u00e9.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cenu poji\u0161t\u011bn\u00ed ovliv\u0148uje tak\u00e9 v\u00e1\u0161 v\u011bk. \u010c\u00edm jste star\u0161\u00ed, t\u00edm jste rizikov\u011bj\u0161\u00ed. Proto je \u017eivotko cenov\u011b v\u00fdhodn\u011bj\u0161\u00ed pro mlad\u00e9ho \u010dlov\u011bka s \u201e\u010dist\u00fdm\u201c zdravotn\u00edm dotazn\u00edkem a pr\u00e1zdnou zdravotn\u00ed kartou.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ka\u017edop\u00e1dn\u011b je ve va\u0161em z\u00e1jmu v\u00a0dotazn\u00edku nelhat a nezapomenout (a\u0165 u\u017e schv\u00e1ln\u011b, nebo omylem) n\u011bkter\u00e9 skute\u010dnosti uv\u00e9st. Pro\u010d? To si hned \u0159ekneme. Je-li va\u0161e zdravotn\u00ed historie bohat\u00e1, m\u016f\u017ee si poji\u0161\u0165ovna vy\u017e\u00e1dat detailn\u011bj\u0161\u00ed informace p\u0159\u00edmo od va\u0161eho l\u00e9ka\u0159e. Podle t\u011bchto \u00fadaj\u016f se rozhoduje, jestli v\u00e1s pojist\u00ed, nebo ne. M\u016f\u017ee trvat a\u017e dva m\u011bs\u00edce, ne\u017e doktor po\u0161le dokumentaci a ne\u017e ji poji\u0161\u0165ovna posoud\u00ed.<\/span><\/p>\n<h2 style=\"font-size: 1em;\">Co se stane d\u00e1l?<\/h2>\n<p><span style=\"font-weight: 400;\">Po posouzen\u00ed va\u0161eho zdravotn\u00edho stavu nastane jeden z t\u011bchto sc\u00e9n\u00e1\u0159\u016f:<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"> Poji\u0161\u0165ovna n\u00e1vrh smlouvy akceptuje a pojist\u00ed v\u00e1s v\u00a0pln\u00e9m rozsahu.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Pojist\u00ed v\u00e1s, ale s\u00a0p\u0159ir\u00e1\u017ekou k\u00a0cen\u011b.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Pojist\u00ed v\u00e1s s\u00a0individu\u00e1ln\u00ed v\u00fdlukou na konkr\u00e9tn\u00ed nemoci nebo diagn\u00f3zy.<\/span><\/li>\n<li><span style=\"font-weight: 400;\"> Nepojist\u00ed v\u00e1s v\u016fbec.<\/span><\/li>\n<\/ol>\n<p><b><i>TIP: <\/i><\/b><i><span style=\"font-weight: 400;\">Zd\u00e1 se v\u00e1m to nespravedliv\u00e9? Mysl\u00edm, \u017ee hor\u0161\u00ed je dvacet let platit poji\u0161t\u011bn\u00ed a pak ve chv\u00edli, kdy se n\u011bco stane, nedostat ani korunu, proto\u017ee jste p\u0159i sjedn\u00e1n\u00ed neuvedli pravdiv\u00e9 informace. Takhle budete hned na za\u010d\u00e1tku v\u011bd\u011bt, na \u010dem jste. Nechce-li v\u00e1s jedna poji\u0161\u0165ovna, m\u016f\u017eete to zkusit je\u0161t\u011b u \u010dtrn\u00e1cti dal\u0161\u00edch.<\/span><\/i><\/p>\n<h2 style=\"font-size: 1em;\">Odkdy jste poji\u0161t\u011bni?<\/h2>\n<p><span style=\"font-weight: 400;\">Kdy\u017e sjedn\u00e1v\u00e1te pojistku s\u00a0poradcem, p\u0159iprav\u00ed v\u00e1m n\u00e1vrh pojistky. Pojistka nen\u00ed platn\u00e1 do t\u00e9 doby, ne\u017e ji poji\u0161\u0165ovna schv\u00e1l\u00ed. N\u011bkdy v\u0161ak poji\u0161\u0165ovny poskytuj\u00ed i takzvan\u00e9 p\u0159edb\u011b\u017en\u00e9 kryt\u00ed, tak\u017ee jste poji\u0161t\u011bni i po dobu schvalov\u00e1n\u00ed pojistky. Ov\u0161em jen pro p\u0159\u00edpad \u00farazu nebo na velmi n\u00edzkou \u010d\u00e1stku. V Mutumutu v\u00e1s kryjeme v pln\u00e9m rozsahu hned od prvn\u00edho dne a po celou dobu posuzov\u00e1n\u00ed va\u0161eho zdravotn\u00edho \u010dasu. Ale pozor, i my m\u00e1me \u010dekac\u00ed dobu.<\/span><\/p>\n<h2 style=\"font-size: 1em;\">\u010cekac\u00ed doba? Co to je?<\/h2>\n<p><span style=\"font-weight: 400;\">Tento term\u00edn najdete v\u00a0ka\u017ed\u00fdch pojistn\u00fdch podm\u00ednk\u00e1ch. A pokud ho nenajdete, bude v\u00a0tom n\u011bjak\u00fd h\u00e1\u010dek. \u010cekac\u00ed doba chr\u00e1n\u00ed poji\u0161\u0165ovnu p\u0159ed chytr\u00e1ky, kte\u0159\u00ed ji\u017e v\u011bd\u00ed nebo tu\u0161\u00ed n\u011bjak\u00fd zdravotn\u00ed pr\u016f\u0161vih, tak se honem pojist\u00ed. Pokud v\u00a0\u010dekac\u00ed dob\u011b opravdu onemocn\u00edte, nebude za ni poji\u0161\u0165ovna plnit z\u00a0rizik, u kter\u00fdch \u010dekac\u00ed doba je.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u010cekac\u00ed doba m\u016f\u017ee b\u00fdt r\u016fzn\u011b dlouh\u00e1. B\u00fdv\u00e1 dva nebo t\u0159i m\u011bs\u00edce, u invalidity od t\u0159\u00ed m\u011bs\u00edc\u016f do jednoho roku nebo i del\u0161\u00ed. N\u011bkter\u00e9 poji\u0161\u0165ovny stanovuj\u00ed \u010dekac\u00ed dobu tak\u00e9 pro p\u0159\u00edpad sebevra\u017edy nebo nemoci spojen\u00e9 s t\u011bhotenstv\u00edm.<\/span><\/p>\n<h2 style=\"font-size: 1em;\">Hotovo, jste poji\u0161t\u011bni!<\/h2>\n<p><span style=\"font-weight: 400;\">Kdy\u017e u\u017e m\u00e1te schvalov\u00e1n\u00ed za sebou, pojistku doma v\u00a0\u0161upl\u00edku a v\u00a0bance nastaven\u00fd trval\u00fd p\u0159\u00edkaz na \u00fahradu pojistn\u00e9ho, m\u016f\u017eete si u\u017e\u00edvat pocit bezpe\u010d\u00ed. Nejv\u011bt\u0161\u00ed v\u00fdhrou \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je, kdy\u017e jej za celou dobu nevyu\u017eijete. Znamen\u00e1 to, \u017ee jste pro\u017eili plnohodnotn\u00fd \u017eivot bez v\u00e1\u017en\u00e9 nemoci \u010di \u00farazu, jste na\u017eivu a \u010dek\u00e1 v\u00e1s zaslou\u017een\u00fd odpo\u010dinek v\u00a0d\u016fchodu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kdy\u017e v\u0161ak takov\u00e9 \u0161t\u011bst\u00ed m\u00edt nebudete a \u017eivot v\u00e1m postav\u00ed do cesty nelehkou nemoc nebo \u00faraz, i tak budete m\u00edt aspo\u0148 \u0161t\u011bst\u00ed v ne\u0161t\u011bst\u00ed, proto\u017ee jste dob\u0159e poji\u0161t\u011bni.<\/span><\/p>\n<h2 id=\"pojistna-udalost\">Co d\u011blat p\u0159i pojistn\u00e9 ud\u00e1losti?<\/h2>\n<p><span style=\"font-weight: 400;\">K\u00a0ozn\u00e1men\u00ed pojistn\u00e9 ud\u00e1losti pou\u017eijte p\u0159\u00edslu\u0161n\u00fd formul\u00e1\u0159. Najdete ho v\u011bt\u0161inou na webu poji\u0161\u0165ovny, p\u0159\u00edpadn\u011b v\u00e1m ho na vy\u017e\u00e1d\u00e1n\u00ed za\u0161le jej\u00ed oper\u00e1tor. Pro \u0161et\u0159en\u00ed pojistn\u00e9 ud\u00e1losti bude poji\u0161\u0165ovna pot\u0159ebovat tak\u00e9 spoustu doklad\u016f \u2013 nap\u0159\u00edklad l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy a v\u00fdpis z\u00a0va\u0161\u00ed zdravotn\u00ed karty. V\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee po\u017eadovat, abyste se podrobili l\u00e9ka\u0159sk\u00e9 prohl\u00eddce u jej\u00edho smluvn\u00edho doktora.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V\u00a0pr\u016fb\u011bhu tohoto procesu \u2013 poji\u0161\u0165ovny ho naz\u00fdvaj\u00ed likvidace pojistn\u00e9 ud\u00e1losti \u2013 m\u016f\u017ee pracovn\u00edk poji\u0161\u0165ovny kontaktovat p\u0159\u00edmo va\u0161eho o\u0161et\u0159uj\u00edc\u00edho nebo praktick\u00e9ho l\u00e9ka\u0159e. A zde op\u011bt p\u0159ich\u00e1z\u00ed na sc\u00e9nu zdravotn\u00ed dotazn\u00edk, kter\u00fd jste vypl\u0148ovali na za\u010d\u00e1tku p\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed. Pokud p\u0159i likvidaci poji\u0161\u0165ovna zjist\u00ed, \u017ee jste v\u00a0n\u011bm neuvedli pravdiv\u00e9 informace, m\u016f\u017ee odm\u00edtnout pln\u011bn\u00ed vyplatit. Dokonce m\u016f\u017ee od pojistn\u00e9 smlouvy odstoupit. V\u00a0takov\u00e9m p\u0159\u00edpad\u011b v\u00e1m vr\u00e1t\u00ed zaplacen\u00e9 pojistn\u00e9. \u0158eknete si: \u201eAspo\u0148 n\u011bjak\u00e9 prachy.\u201c Jen\u017ee pokud jste dvacet let platili 1000 korun m\u011bs\u00ed\u010dn\u011b, dostanete zp\u00e1tky 240 tis\u00edc m\u00edsto dvou milion\u016f, na kter\u00e9 jste byli poji\u0161t\u011bni.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4539\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/03\/diana-polekhina-SwWjCbIIoFE-unsplash-300x200.jpg\" alt=\"\" width=\"598\" height=\"398\" \/><\/p>\n<h2 id=\"vyluky\">V\u00fdluky \u2013 ty rozhodn\u011b nep\u0159ehl\u00e9dn\u011bte<\/h2>\n<p><span style=\"font-weight: 400;\">Jsou i rizika, kter\u00e1 va\u0161e poji\u0161t\u011bn\u00ed kr\u00fdt nebude. Naz\u00fdvaj\u00ed se \u201ev\u00fdluky\u201c. P\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed jim v\u017edy v\u011bnujte pozornost.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mezi b\u011b\u017en\u00e9 v\u00fdluky v \u017eivotku pat\u0159\u00ed v\u00e1lky, ob\u010dansk\u00e9 nepokoje a r\u016fzn\u00e9 protesty, vystaven\u00ed jadern\u00e9mu z\u00e1\u0159en\u00ed, trestn\u00e9 \u010diny a nemoci nebo \u00farazy, za kter\u00e9 m\u016f\u017ee alkohol nebo drogy. D\u0159\u00edve mezi nimi byly i ud\u00e1losti spojen\u00e9 s terorismem, ale tuto v\u00fdluku ji\u017e poji\u0161\u0165ovny upravily. Ob\u011bt\u00ed teroristick\u00e9ho \u00fatoku u\u017e se dnes bohu\u017eel lidi st\u00e1vaj\u00ed dost \u010dasto. Nov\u011b zato p\u0159ibyla omezen\u00ed na vycestov\u00e1n\u00ed do rizikov\u00fdch zem\u00ed, p\u0159edev\u0161\u00edm kv\u016fli pandemii covid-19.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nejv\u011bt\u0161\u00edm zaj\u00edcem v pytli v\u0161ak z\u016fst\u00e1v\u00e1 v\u00fdluka na p\u0159edchorob\u00ed \u2013 nemoci, kter\u00e9 m\u00e1te nebo kter\u00e9 jste p\u0159ekonali. Pokud takovou v\u00fdluku v podm\u00ednk\u00e1ch najdete, znamen\u00e1 to, \u017ee poji\u0161\u0165ovna nevyplat\u00ed pln\u011bn\u00ed za \u017e\u00e1dnou nemoc, kter\u00e1 p\u0159ed poji\u0161t\u011bn\u00edm vznikla, byla diagnostikov\u00e1na nebo se jen projevily jej\u00ed p\u0159\u00edznaky. A to ani kdy\u017e jste se z n\u00ed vyl\u00e9\u010dili a ona se vr\u00e1tila znova v dob\u011b, kdy u\u017e jste byli poji\u0161t\u011bn\u00ed. Ur\u010dit\u011b volte poji\u0161t\u011bn\u00ed, kter\u00e9 tuhle podm\u00ednku nem\u00e1 a pojist\u00ed v\u00e1s takov\u00e9, jac\u00ed jste.\u00a0<\/span><\/p>\n<h2 style=\"font-size: 1em;\"><b>Ale to nen\u00ed v\u0161e!\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Poji\u0161\u0165ovny krom v\u00fdluk tak\u00e9 definuj\u00ed, co JE nemoc, \u00faraz nebo pojistn\u00e1 ud\u00e1lost. Nap\u0159\u00edklad: p\u0159etrhnete si Achillovu \u0161lachu. Ve v\u00fdluk\u00e1ch jsou pops\u00e1ny v\u0161echny \u00farazy, kter\u00e9 poji\u0161t\u011bn\u00ed nekryje, a achilovka mezi nimi nen\u00ed. Pln\u011bn\u00ed v\u0161ak stejn\u011b nedostanete, proto\u017ee v definici \u00farazu je uvedeno, \u017ee po\u0161kozen\u00ed achilovky poji\u0161t\u011bn\u00ed kryje, pouze kdy\u017e je p\u0159etrhnut\u00e1 zven\u010d\u00ed, ne kdy\u017e se jedn\u00e1 o degenerativn\u00ed po\u0161kozen\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Co s t\u00edm? Podm\u00ednky \u010dt\u011bte pozorn\u011b, nic nep\u0159eskakujte. Ide\u00e1ln\u011b zvolte poji\u0161t\u011bn\u00ed, kter\u00e9 je m\u00e1 jasn\u00e9 a p\u0159ehledn\u00e9. Pokud to \u0159e\u0161\u00edte s poji\u0161\u0165ov\u00e1kem, je ur\u010dit\u011b dobr\u00e9 ho informovat o v\u0161ech nemocech, kter\u00e9 jste prod\u011blali, a zeptat se, zda jsou v\u00a0r\u00e1mci poji\u0161t\u011bn\u00ed kryt\u00e9. A jestli u\u017e smlouvu m\u00e1te, ale nejste si jisti, jestli spr\u00e1vn\u011b nastavenou, nechte si ji od n\u00e1s zdarma zkontrolovat.<\/span><\/p>\n<p><a href=\"https:\/\/www.mutumutu.cz\/zkontrolujeme-vasi-smlouvu\" target=\"_blank\" rel=\"noopener\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/www.mutumutu.cz\/zkontrolujeme-vasi-smlouvu'>Audit smlouvy<\/a><\/div><\/a><\/p>\n<h2 style=\"font-size: 1em;\">Indexace \u2013 m\u00e1m ji odsouhlasit?<\/h2>\n<p><span style=\"font-weight: 400;\">Dal\u0161\u00ed m\u00e1lo zn\u00e1m\u00fd term\u00edn, kter\u00fdm v\u00e1s poji\u0161\u0165ovna nebo poji\u0161\u0165ov\u00e1k m\u016f\u017ee p\u0159ekvapit. \u00da\u010delem indexace je dr\u017eet pojistn\u00e9 \u010d\u00e1stky v takov\u00e9 v\u00fd\u0161i, aby byly aktu\u00e1ln\u00ed v dob\u011b, kdy budou na z\u00e1klad\u011b pojistn\u00e9 ud\u00e1losti vyplaceny.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">P\u0159edstavte si, \u017ee se ve 28 letech pojist\u00edte na jeden milion korun. Dal\u0161\u00edch t\u0159icet let plyne \u017eivot hladce, ale najednou v\u00e1s potk\u00e1 ne\u0161t\u011bst\u00ed. Od poji\u0161\u0165ovny o\u010dek\u00e1v\u00e1te pln\u011bn\u00ed a ona v\u00e1m opravdu na \u00fa\u010det vyplat\u00ed milion. Mysl\u00edte, \u017ee hodnota milionu korun bude za t\u0159icet let stejn\u00e1 jako dnes? No, to vlastn\u011b nev\u00edme. Ale zkuste se ohl\u00e9dnout do minulosti na to, jak se hodnota pen\u011bz od va\u0161eho d\u011btstv\u00ed zm\u011bnila. Je pravd\u011bpodobn\u00e9, \u017ee tento trend bude platit i do budoucna.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Indexace je to, co v\u00e1\u0161 milion udr\u017e\u00ed v aktu\u00e1ln\u00ed hodnot\u011b podle m\u00edry inflace. Pokud ji ve sv\u00e9 smlouv\u011b odsouhlas\u00edte, po\u0161le v\u00e1m poji\u0161\u0165ovna v\u017edy k v\u00fdro\u010d\u00ed va\u0161\u00ed smlouvy dopis s novou v\u00fd\u0161\u00ed pojistn\u00e9ho. Proto\u017ee poji\u0161\u0165ovna automaticky navy\u0161uje pojistnou \u010d\u00e1stku, je nezbytn\u00e9 nav\u00fd\u0161it i pojistn\u00e9, kter\u00e9 plat\u00edte.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Indexaci m\u016f\u017eete aktivovat kdykoli v pr\u016fb\u011bhu poji\u0161t\u011bn\u00ed. Pak u\u017e je tato \u00faprava automatick\u00e1. Nemus\u00edte o ni ka\u017ed\u00fd rok znova \u017e\u00e1dat a poji\u0161\u0165ovna nebude p\u0159i ka\u017ed\u00e9m nav\u00fd\u0161en\u00ed znovu posuzovat va\u0161e zdrav\u00ed. Je dobr\u00e9 v\u011bd\u011bt, \u017ee se neuplat\u0148uje na v\u0161echna rizika, p\u0159edev\u0161\u00edm ne na rizika s klesaj\u00edc\u00ed pojistnou \u010d\u00e1stkou nebo s denn\u00ed d\u00e1vkou.<\/span><\/p>\n<p><b><i>TIP: <\/i><\/b><i><span style=\"font-weight: 400;\">I kdy\u017e my\u0161lenka je to ur\u010dit\u011b dobr\u00e1, ka\u017edoro\u010dn\u00ed n\u00e1r\u016fst pojistn\u00e9ho v\u00e1s nejednou nelib\u011b zasko\u010d\u00ed. Proto se pod\u00edvejme je\u0161t\u011b na jin\u00e9 \u0159e\u0161en\u00ed.<\/span><\/i><\/p>\n<h2 style=\"font-size: 1em;\">Zm\u011bny v\u00a0pr\u016fb\u011bhu trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n<p><span style=\"font-weight: 400;\">Nebude-li se va\u0161e \u017eivotn\u00ed situace v\u00fdrazn\u011b m\u011bnit, m\u016f\u017ee i va\u0161e poji\u0161t\u011bn\u00ed po n\u011bjakou dobu z\u016fstat stejn\u00e9. S v\u011bt\u0161\u00edmi zm\u011bnami v\u0161ak pojistku ur\u010dit\u011b aktualizujte: upravte rizika, navy\u0161te pojistn\u00e9 \u010d\u00e1stky a nezapom\u00ednejte aktualizovat obmy\u0161lenou osobu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4521\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/03\/infografika-300x172.png\" alt=\"\" width=\"694\" height=\"398\" \/><\/strong><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na rozd\u00edl od indexace tady plat\u00ed, \u017ee s ka\u017edou zm\u011bnou v nastaven\u00ed pojistn\u00fdch \u010d\u00e1stek a rizik mus\u00edte znova vyplnit zdravotn\u00ed dotazn\u00edk a poji\u0161\u0165ovna znova posuzuje, jak se v\u00e1\u0161 zdravotn\u00ed stav zm\u011bnil. V\u00fdsledkem posouzen\u00ed bude op\u011bt jedna ze \u010dty\u0159 variant, kter\u00e9 jsme popsali v sekci V\u00e1\u0161 zdravotn\u00ed stav p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed. S t\u00edm rozd\u00edlem, \u017ee pokud poji\u0161\u0165ovna stanov\u00ed p\u0159ir\u00e1\u017eku nebo individu\u00e1ln\u00ed v\u00fdluku, budou ob\u011b platit pouze na nov\u011b nav\u00fd\u0161enou \u010d\u00e1st.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nap\u0159\u00edklad: jste poji\u0161t\u011bni na invaliditu na milion korun a po deseti letech chcete \u010d\u00e1stku nav\u00fd\u0161it. Po\u017e\u00e1d\u00e1te o zm\u011bnu pojistn\u00e9 \u010d\u00e1stky na 1,5 milionu. Poji\u0161\u0165ovna zjist\u00ed, \u017ee jste za posledn\u00edch deset let podstoupili komplikovanou operaci prav\u00e9ho kolene. V dodatku proto stanov\u00ed individu\u00e1ln\u00ed v\u00fdluku na nemoci a \u00farazy prav\u00e9ho kolene. Tato v\u00fdluka v\u0161ak budete platit jen na nav\u00fd\u0161enou \u010d\u00e1stku \u2013 tedy 500 tis\u00edc korun.<\/span><\/p>\n<h2 id=\"dane\">Da\u0148ov\u00e1 uznatelnost \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n<p><span style=\"font-weight: 400;\">Jednou z\u00a0v\u00fdhod \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je, \u017ee platby pojistn\u00e9ho m\u016f\u017eete zohlednit v\u00a0ro\u010dn\u00edm z\u00fa\u010dtov\u00e1n\u00ed dan\u011b z\u00a0p\u0159\u00edjmu, a sn\u00ed\u017eit si t\u00edm z\u00e1klad pro v\u00fdpo\u010det dan\u011b. Ne ka\u017ed\u00e9 \u017eivotko ale k\u00a0tomuto \u00fa\u010delu poslou\u017e\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ode\u010det uplatn\u00edte pouze u takov\u00e9ho, kter\u00e9 spl\u0148uje tyto podm\u00ednky:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">jste poji\u0161t\u011bni na riziko do\u017eit\u00ed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">va\u0161e poji\u0161t\u011bn\u00ed je investi\u010dn\u00ed nebo kapit\u00e1lov\u00e9<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">v\u00fdplata pln\u011bn\u00ed je sjedn\u00e1na nejd\u0159\u00edve od 60 let\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">pojistn\u00e1 smlouva neumo\u017e\u0148uje jin\u00e9 v\u00fdb\u011bry naspo\u0159en\u00fdch prost\u0159edk\u016f<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">poji\u0161t\u011bn\u00ed mus\u00ed b\u00fdt sjednan\u00e9 minim\u00e1ln\u011b na 5 let<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">jste sou\u010dasn\u011b pojistn\u00edk (ten, kdo poji\u0161t\u011bn\u00ed sjednal) i poji\u0161t\u011bn\u00fd (ten, kdo je poji\u0161t\u011bn)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Tato v\u00fdhoda tedy pad\u00e1 v\u00a0moment\u011b, kdy m\u00e1te kapit\u00e1lov\u00e9 nebo investi\u010dn\u00ed poji\u0161t\u011bn\u00ed a rozhodnete se ho p\u0159ed\u010dasn\u011b ukon\u010dit.<\/span><\/p>\n<h2><b>Jak funguje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Mutumutu?<\/b><\/h2>\n<p>Poji\u0161t\u011bn\u00ed Mutumutu bohu\u017eel nespl\u0148uje z\u00e1konem stanoven\u00e9 podm\u00ednky, proto si jej z dan\u00ed ode\u010d\u00edst nem\u016f\u017eete. Ale jako jedin\u00e9 v\u00e1s ka\u017ed\u00e9 t\u0159i m\u011bs\u00edce odm\u011bn\u00ed za to, \u017ee se o sebe star\u00e1te. A to se v\u00e1m vyplat\u00ed v\u00edc ne\u017e sleva na dani.<\/p>\n<p><a href=\"https:\/\/www.mutumutu.cz\/odmena\" target=\"_blank\" rel=\"noopener\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/www.mutumutu.cz\/odmena'>Jak v\u00e1s odm\u011bn\u00edme?<\/a><\/div><\/a><\/p>\n<p>Nav\u00edc u n\u00e1s najdete v\u0161echna d\u016fle\u017eit\u00e1 poji\u0161t\u011bn\u00ed, minimum v\u00fdluk a sjedn\u00e1n\u00ed je opravdu jednoduch\u00e9. Podrobn\u011bji si o na\u0161\u00ed nab\u00eddce i procesu sjedn\u00e1n\u00ed m\u016f\u017eete p\u0159e\u010d\u00edst <a href=\"https:\/\/www.5nej.cz\/mutumutu-recenze\/\" target=\"_blank\" rel=\"noopener\">na webu 5nej.cz<\/a>.<\/p>\n<h2 id=\"ukonceni\">Ukon\u010den\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n<p><span style=\"font-weight: 400;\">Va\u0161e poji\u0161t\u011bn\u00ed samoz\u0159ejm\u011b skon\u010d\u00ed uplynut\u00edm doby, na kterou bylo sjedn\u00e1no. M\u016f\u017eou ale nastat situace, kdy ho budete cht\u00edt zru\u0161it i d\u0159\u00edv. Nebo ho naopak m\u016f\u017ee ukon\u010dit va\u0161e poji\u0161\u0165ovna. Pod\u00edvejme se, jak\u00e9 m\u00e1te mo\u017enosti vy a jak\u00e9 poji\u0161\u0165ovna.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Poji\u0161\u0165ovna m\u016f\u017ee \u017eivotko ukon\u010dit zejm\u00e9na:<\/span><\/p>\n<ol>\n<li><b> Pokud si smlouvu sjedn\u00e1te online<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Tedy na d\u00e1lku. M\u00e1 na to 30 dn\u016f od sjedn\u00e1n\u00ed.\u00a0<\/span><\/p>\n<ol start=\"2\">\n<li><b> Po posouzen\u00ed va\u0161eho zdravotn\u00edho stavu<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Na to m\u00e1 60 dn\u00ed od sjedn\u00e1n\u00ed. V obou p\u0159\u00edpadech plat\u00ed, \u017ee pokud od pojistn\u00e9 smlouvy odstoup\u00ed, vr\u00e1t\u00ed v\u00e1m to, co u\u017e jste na pojistn\u00e9m zaplatili.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Kdy\u017e neuhrad\u00edte pojistn\u00e9<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Poji\u0161t\u011bn\u00ed pak skon\u010d\u00ed marn\u00fdm uplynut\u00edm lh\u016fty, kterou poji\u0161\u0165ovna stanovila k\u00a0jeho \u00fahrad\u011b.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Na z\u00e1klad\u011b zji\u0161t\u011bn\u00ed nepravdiv\u00fdch informac\u00ed<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">M\u016f\u017ee j\u00edt o informace, kter\u00e9 jste v\u016fbec neposkytli nebo kter\u00e9 jste poskytli, ale nejsou pravdiv\u00e9 \u2013 a kdyby je poji\u0161\u0165ovna znala v dob\u011b sjedn\u00e1n\u00ed, nepojistila by v\u00e1s. V tomto p\u0159\u00edpad\u011b bude poji\u0161t\u011bn\u00ed stornov\u00e1no od po\u010d\u00e1tku, jako kdyby v\u016fbec nevzniklo, a poji\u0161\u0165ovna v\u00e1m vr\u00e1t\u00ed v\u0161echny pen\u00edze, co jste j\u00ed za tu dobu zaplatili.\u00a0<\/span><\/p>\n<figure id=\"attachment_4075\" aria-describedby=\"caption-attachment-4075\" style=\"width: 677px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4075\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2020\/10\/fotooo-300x133.png\" alt=\"\" width=\"677\" height=\"300\" \/><figcaption id=\"caption-attachment-4075\" class=\"wp-caption-text\">V\u017edy jsou mo\u017enosti jak vyzr\u00e1t na \u201e\u00fanik\u201c ze zle nastaven\u00e9 smlouvy.<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">Vy m\u016f\u017eete sv\u00e9 \u017eivotko ukon\u010dit:<\/span><\/p>\n<ol>\n<li><b> Do 30 dn\u016f po sjedn\u00e1n\u00ed<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Tato lh\u016fta plat\u00ed jen pro \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 se d\u00e1 sjednat online. Je to stejn\u00e9, jako kdy\u017e nakupujete na e-shopu a pak zm\u011bn\u00edte n\u00e1zor a zbo\u017e\u00ed vr\u00e1t\u00edte.\u00a0<\/span><\/p>\n<ol start=\"2\">\n<li><b> Do 60 dn\u016f od sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Do t\u00e9 doby si to m\u016f\u017eete s poji\u0161t\u011bn\u00edm rozmyslet. Za dobu, kdy jste byli poji\u0161t\u011bni, ka\u017edop\u00e1dn\u011b zaplatit mus\u00edte.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Po ozn\u00e1men\u00ed pojistn\u00e9 ud\u00e1losti<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">To pro p\u0159\u00edpad, \u017ee byste s jej\u00edm \u0161et\u0159en\u00edm nebyli spokojeni. M\u00e1te na to t\u0159i m\u011bs\u00edce od ozn\u00e1men\u00ed.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Po zji\u0161t\u011bn\u00ed nepravdiv\u00fdch informac\u00ed<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Stejn\u011b jako poji\u0161\u0165ovna m\u016f\u017eete i vy odstoupit od smlouvy, kdy\u017e vyjde najevo, \u017ee v\u00e1s poji\u0161\u0165ovna nebo poji\u0161\u0165ov\u00e1k nespr\u00e1vn\u011b informovali nebo n\u011bjak\u00e9 informace zatajili.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Dohodou k libovoln\u00e9mu datu<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">To je na pojistn\u00e9m trhu zat\u00edm sp\u00ed\u0161 rarita, ale zrovna v\u00a0Mutumutu to pro v\u00e1s bez probl\u00e9m\u016f ud\u011bl\u00e1me. Nemus\u00edte ani ud\u00e1vat d\u016fvod.<\/span><\/p>\n<ol start=\"6\">\n<li><b> V\u00fdpov\u011bd\u00ed\u00a0<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Svou v\u00fdpov\u011b\u010f mus\u00edte poji\u0161\u0165ovn\u011b doru\u010dit nejpozd\u011bji 6 t\u00fddn\u016f p\u0159ed koncem pojistn\u00e9ho obdob\u00ed. Dob\u0159e si to pohl\u00eddejte zejm\u00e9na v p\u0159\u00edpad\u011b, \u017ee va\u0161e pojistn\u00e9 obdob\u00ed je jeden rok. Pokud byste to nestihli, poji\u0161t\u011bn\u00ed bude trvat o rok d\u00e9le, ne\u017e jste pl\u00e1novali.\u00a0<\/span><\/p>\n<h2 style=\"font-size: 1em;\">Co je je\u0161t\u011b dobr\u00e9 v\u011bd\u011bt?<\/h2>\n<p><span style=\"font-weight: 400;\">Ukon\u010den\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed s sebou nese i dal\u0161\u00ed rizika, o kter\u00fdch jsme u\u017e detailn\u011b psali. <\/span><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2020\/10\/23\/jak-vyzrat-na-zruseni-zivotniho-pojisteni\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">M\u016f\u017eete si to osv\u011b\u017eit.<\/span><\/a>\n<p><span style=\"font-weight: 400;\">D\u016fle\u017eit\u00e9 je taky v\u011bd\u011bt, \u017ee ukon\u010den\u00ed kapit\u00e1lov\u00e9ho nebo investi\u010dn\u00edho poji\u0161t\u011bn\u00ed p\u0159in\u00e1\u0161\u00ed i povinnost dodanit \u00falevy, kter\u00e9 jste uplatnili za p\u0159edchoz\u00edch deset let, a to v\u010detn\u011b p\u0159\u00edsp\u011bvku od zam\u011bstnavatele. Nemluv\u011b o tom, \u017ee ukon\u010dovat takov\u00e9 poji\u0161t\u011bn\u00ed kr\u00e1tce po za\u010d\u00e1tku v\u00e1m nep\u0159inese \u017e\u00e1dn\u00e9 v\u00fdnosy, proto\u017ee nevznik\u00e1 n\u00e1rok na odkupn\u00e9. O da\u0148ov\u00fdch v\u00fdhod\u00e1ch p\u00ed\u0161eme <\/span><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2021\/01\/06\/zivotni-pojisteni-a-dane\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">v jin\u00e9m \u010dl\u00e1nku<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2 id=\"shrnuti\">Shr\u0148me si to na z\u00e1v\u011br<\/h2>\n<p><span style=\"font-weight: 400;\">\u017divotko pot\u0159ebuje ka\u017ed\u00fd, kdo chce \u017e\u00edt s\u00a0klidem v\u00a0du\u0161i a myslet na sv\u00e9 bl\u00edzk\u00e9. Pokud chcete pouze pokr\u00fdt situace, kdy je ohro\u017een v\u00e1\u0161 p\u0159\u00edjem, volte rad\u011bji rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Pokud nechcete jenom platit za jistotu, ale dostat z poji\u0161t\u011bn\u00ed n\u011bjakou tu korunu zp\u00e1tky, volte investi\u010dko. Na \u010desk\u00e9m trhu ale existuj\u00ed i dal\u0161\u00ed alternativy pro investov\u00e1n\u00ed a zhodnocov\u00e1n\u00ed pen\u011bz. V\u011b\u0159\u00edme, \u017ee si mezi nimi najdete tu nejvhodn\u011bj\u0161\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pojist\u011bte si p\u0159edev\u0161\u00edm to, co v\u00e1s existen\u010dn\u011b ohro\u017euje \u2013 smrt, invaliditu, v\u00e1\u017en\u00e9 nemoci v\u00a0rodin\u011b, dlouhodobou pracovn\u00ed neschopnost. Re\u00e1ln\u011b zhodno\u0165te situaci v\u00a0rodin\u011b, v\u0161echny v\u00fddaje a p\u0159\u00edjmy, a podle toho nastavte pojistn\u00e9 \u010d\u00e1stky. Pojistku pak aktualizujte podle toho, jak se m\u011bn\u00ed v\u00e1\u0161 \u017eivot. \u017dijte zdrav\u011b, pe\u010dujte o sebe i sv\u00e9 bl\u00edzk\u00e9 a bu\u010fte up\u0159\u00edmn\u00ed. V\u00a0\u017eivot\u011b (i \u017eivotku) se to vypl\u00e1c\u00ed.<\/span><\/p>\n<hr \/>\n<p><b><i>Te\u010f, kdy\u017e u\u017e o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed v\u00edte v\u0161e podstatn\u00e9, m\u016f\u017eete se pojistit sami, online, z pohodl\u00ed domova. U n\u00e1s v\u00e1m to zabere deset minut. A kdybyste pot\u0159ebovali p\u0159ece jen je\u0161t\u011b tro\u0161ku poradit, <\/i><\/b><a href=\"https:\/\/www.mutumutu.cz\/kontakty\" target=\"_blank\" rel=\"noopener\"><b><i>zavolejte n\u00e1m nebo n\u00e1m napi\u0161te<\/i><\/b><\/a><b><i>.<\/i><\/b><\/p>\n<p><em>Mutumutu poji\u0161t\u011bn\u00ed jsme vytvo\u0159ili s l\u00e1skou a Komer\u010dn\u00ed poji\u0161\u0165ovnou, a.s.<\/em><\/p>\n<p><a href=\"https:\/\/www.mutumutu.cz\/kalkulacka\/uvod\" target=\"_blank\" rel=\"noopener\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/www.mutumutu.cz\/kalkulacka\/uvod'>Spo\u010d\u00edtat pojistn\u00e9<\/a><\/div><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mnoho lid\u00ed v\u011b\u0159\u00ed, \u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je stra\u0161n\u011b komplikovan\u00fd produkt, se kter\u00fdm by si nedok\u00e1zali sami poradit. Mysl\u00edm, \u017ee tento m\u00fdtus p\u0159i\u017eivuj\u00ed n\u011bkte\u0159\u00ed poji\u0161\u0165ov\u00e1ci, ale z\u010d\u00e1sti za to m\u016f\u017eou i poji\u0161\u0165ovny. Jak se ka\u017ed\u00e1 sna\u017e\u00ed n\u011b\u010d\u00edm odli\u0161it a zaujmout, vym\u00fd\u0161lej\u00ed nov\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed nebo zv\u00fdhodn\u011bn\u00e9 pln\u011bn\u00ed pro specifick\u00e9 p\u0159\u00edpady. Ve skute\u010dnosti je to superjednoduch\u00e9. \u010ct\u011bte d\u00e1l  &#8230;<\/p>\n","protected":false},"author":49,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31,29],"tags":[383,457],"class_list":["post-4471","post","type-post","status-publish","format-standard","hentry","category-featured","category-pojisteni","tag-pravdy-o-zivotnim-pojisteni","tag-vse-o-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4471","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=4471"}],"version-history":[{"count":17,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4471\/revisions"}],"predecessor-version":[{"id":5512,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4471\/revisions\/5512"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=4471"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=4471"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=4471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}