{"id":4677,"date":"2021-08-16T10:34:13","date_gmt":"2021-08-16T08:34:13","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=4677"},"modified":"2025-09-24T15:21:41","modified_gmt":"2025-09-24T13:21:41","slug":"urazove-pojisteni-vs-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2021\/08\/16\/urazove-pojisteni-vs-zivotni-pojisteni\/","title":{"rendered":"\u00darazov\u00e9 poji\u0161t\u011bn\u00ed je levn\u011bj\u0161\u00ed ne\u017e \u017eivotn\u00ed, ale m\u00e1 to p\u00e1r h\u00e1\u010dk\u016f"},"content":{"rendered":"

Sjednali jste si \u201e\u017eivotko za super cenu\u201c? A je to opravdu \u017eivotko? \u00darazov\u00e9 poji\u0161t\u011bn\u00ed se m\u016f\u017ee zd\u00e1t v\u00fdhodn\u00e9, jen\u017ee kompletn\u011b ignoruje nemoci a \u010dasto v\u00e1m ani nepom\u016f\u017ee s v\u00fdpadkem p\u0159\u00edjm\u016f. Jsou ale i lid\u00e9, kter\u00fdm se m\u016f\u017ee hodit.<\/b><\/p>\n

M\u00e1te \u017eivotn\u00ed pojistku<\/a> s poji\u0161t\u011bn\u00edm smrti, invalidity, hospitalizace i denn\u00edm od\u0161kodn\u00fdm? M\u00e1te v n\u00ed nastaven\u00e9 slu\u0161n\u00e9 pojistn\u00e9 \u010d\u00e1stky a plat\u00edte za ni 200 K\u010d m\u011bs\u00ed\u010dn\u011b? Bohu\u017eel mus\u00edme va\u0161i jistotu, \u017ee jste dob\u0159e poji\u0161t\u011bni, zbo\u0159it. S nejv\u011bt\u0161\u00ed pravd\u011bpodobnosti m\u00e1te sjedn\u00e1no pouze \u00farazov\u00e9 poji\u0161t\u011bn\u00ed. Ne \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/span><\/p>\n

Jak\u00fd je rozd\u00edl mezi \u00farazov\u00fdm a \u017eivotn\u00edm poji\u0161t\u011bn\u00edm?<\/h2>\n

Ten z\u00e1kladn\u00ed a nejpodstatn\u011bj\u0161\u00ed rozd\u00edl je v tom, kter\u00e9 situace jsou poji\u0161t\u011bn\u00edm pokryty. \u00darazov\u00e9 poji\u0161t\u011bn\u00ed skute\u010dn\u011b kryje jenom a pouze situace zp\u016fsoben\u00e9 \u00farazem. \u017divotn\u00ed poji\u0161t\u011bn\u00ed kryje v\u0161echno \u2013 \u00faraz i nemoc.<\/span><\/p>\n

\"Co
Co v\u0161echno kryje \u00farazov\u00e9 a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/figcaption><\/figure>\n
\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed za dv\u011b stovky m\u011bs\u00ed\u010dn\u011b nepo\u0159\u00edd\u00edte, zato v\u00e1m bude kr\u00fdt n\u00e1sledky \u00faraz\u016f i nemoc\u00ed. Tak\u017ee ve v\u00fdsledku se vyplat\u00ed. A to od Mutumutu v\u00e1m nav\u00edc po celou dobu bude vracet pen\u00edze za to, \u017ee se o sebe star\u00e1te.<\/em><\/p>\n

Spo\u010d\u00edtat pojistn\u00e9<\/a><\/div><\/span><\/a><\/p>\n
\n

Pro\u010d je \u00farazov\u00e9 poji\u0161t\u011bn\u00ed tak levn\u00e9?<\/h2>\n

Proto\u017ee pravd\u011bpodobnost, \u017ee v\u00e1s n\u011bkter\u00fd \u00faraz postihne, je dost n\u00edzk\u00e1. Nav\u00edc z hlediska poji\u0161\u0165oven nen\u00ed \u00faraz jako \u00faraz, ne v\u0161echny se \u201epo\u010d\u00edtaj\u00ed\u201c. Proto\u017ee je m\u00e9n\u011b pojistn\u00fdch ud\u00e1lost\u00ed, poji\u0161t\u011bn\u00ed \u00farazu m\u016f\u017ee b\u00fdt n\u00e1sobn\u011b levn\u011bj\u0161\u00ed ne\u017e \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/span><\/p>\n

Za \u00faraz poji\u0161\u0165ovny samoz\u0159ejm\u011b pova\u017euj\u00ed poran\u011bn\u00ed p\u0159i sportu a v b\u011b\u017en\u00e9m \u017eivot\u011b, t\u0159eba p\u0159i pr\u00e1ci na zahrad\u011b. Ale taky otravu j\u00eddlem, tonut\u00ed nebo utonut\u00ed, autonehody i pop\u00e1leniny. \u00darazem pro n\u011b naopak nen\u00ed vyh\u0159ezl\u00e1 plot\u00fdnka ani p\u0159etr\u017een\u00e1 achilovka. Ty u\u017e poji\u0161\u0165ovny pova\u017euj\u00ed za \u201eopot\u0159eben\u00ed organismu\u201c. Nepat\u0159\u00ed sem ani pracovn\u00ed \u00farazy, kter\u00e9 bu\u010f hrad\u00ed zam\u011bstnavatel, nebo vznikly poru\u0161en\u00edm p\u0159edpis\u016f a neproplat\u00ed v\u00e1m je nikdo.<\/span><\/p>\n

\"\"Za pojistn\u00e9 ud\u00e1losti m\u016f\u017eou \u010dast\u011bji nemoci ne\u017e \u00farazy.<\/span><\/p>\n

Co si tedy sjednat?<\/h2>\n

M\u016f\u017eete si sjednat ryze \u00farazovou pojistku, kter\u00e1 kryje pouze n\u00e1sledky \u00faraz\u016f. Nebo m\u016f\u017eete m\u00edt \u017eivotn\u00ed pojistku a v n\u00ed n\u011bkter\u00e1 z p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e1 kryj\u00ed \u00farazy. Nap\u0159\u00edklad:<\/span><\/p>\n

Poji\u0161t\u011bn\u00ed smrti nebo invalidity \u00farazem<\/b><\/h1>\n

Dopl\u0148kov\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed k poji\u0161t\u011bn\u00ed smrti (kter\u00e9 je nezbytnou \u010d\u00e1st\u00ed toho \u017eivotn\u00edho). Lid\u00e9 si ho sjedn\u00e1vaj\u00ed \u201epro jistotu, v\u017edy\u0165 je za p\u00e1r korun\u201c. Jen\u017ee pokud m\u00e1te sjednan\u00e9 poji\u0161t\u011bn\u00ed smrti a invalidity z jak\u00e9koliv p\u0159\u00ed\u010diny, m\u00e1te t\u00edm pokryt\u00e9 nemoci i \u00farazy. Nen\u00ed pot\u0159eba m\u00edt je\u0161t\u011b extra poji\u0161t\u011bn\u00ed \u00farazu. To sam\u00e9 plat\u00ed pro p\u0159ipoji\u0161t\u011bn\u00ed n\u00e1sledkem autonehody.<\/span><\/p>\n

Co s t\u00edm?<\/b> D\u016fle\u017eit\u00e9 je dob\u0159e si pojistit <\/span>smrt<\/span><\/a>, <\/span>invaliditu<\/span><\/a> a <\/span>pracovn\u00ed neschopnost<\/span><\/a> \u2013 situace, kdy je ohro\u017een v\u00e1\u0161 p\u0159\u00edjem nebo p\u0159\u00edjmy va\u0161\u00ed rodiny. A to pro p\u0159\u00edpad nemoci i \u00farazu. Speci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed \u00farazu u\u017e pot\u0159ebovat nebudete.<\/span><\/p>\n

Pro\u010d \u00farazov\u00e9 poji\u0161t\u011bn\u00ed nesta\u010d\u00ed?<\/a><\/div><\/a><\/p>\n

P\u0159ipoji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/h1>\n

Pokud se v\u00e1m n\u011bco stane, poji\u0161\u0165ovna nejprve podle tabulek stanov\u00ed, nakolik \u00faraz nen\u00e1vratn\u011b po\u0161kodil va\u0161e t\u011blo. Podle stanoven\u00e9ho procenta v\u00e1m pak vyplat\u00ed pojistnou \u010d\u00e1stku. Jen\u017ee aby poji\u0161\u0165ovna mohla procento ur\u010dit, mus\u00ed b\u00fdt n\u00e1sledky \u00farazu ust\u00e1len\u00e9. Tak\u017ee si i rok po\u010dk\u00e1te.<\/span><\/p>\n

Co s t\u00edm? <\/b>Kdy\u017e si m\u00edsto toho pojist\u00edte pracovn\u00ed neschopnost, dostanete pen\u00edze d\u0159\u00edv a bez tabulek. Jednodu\u0161e v\u00e1m poji\u0161\u0165ovna za pracovn\u00ed neschopnost kv\u016fli l\u00e9\u010den\u00ed \u00farazu vyplat\u00ed tolik, kolik byste norm\u00e1ln\u011b vyd\u011blali. A to sam\u00e9 p\u0159i l\u00e9\u010db\u011b nemoc\u00ed, kter\u00e9 se st\u00e1vaj\u00ed dvacetkr\u00e1t \u010dast\u011bji.<\/span><\/p>\n

Od\u0161kodn\u00e9 za \u00faraz<\/h1>\n

\u201eOdm\u011bn\u00ed\u201c v\u00e1s za to, \u017ee jste \u00farazem v\u00edce \u010di m\u00e9n\u011b trp\u011bli. Od\u0161kodn\u00e9 je stanoveno podle po\u010dtu dn\u00ed l\u00e9\u010den\u00ed. Tak\u017ee pen\u00edze uvid\u00edte, a\u017e \u00faraz dol\u00e9\u010d\u00edte.<\/span><\/p>\n

Co s t\u00edm? <\/b>Pokud \u00faraz nen\u00ed v\u00e1\u017en\u00fd, tedy nijak neohro\u017euje va\u0161i schopnost vyd\u011bl\u00e1vat, je toto p\u0159ipoji\u0161t\u011bn\u00ed ned\u016fle\u017eit\u00e9 a vy za n\u011bj plat\u00edte zbyte\u010dn\u011b pen\u00edze nav\u00edc. Pokud je v\u00e1\u017en\u00fd, a vy proto dlouhodob\u011b nem\u016f\u017eete pracovat, jde u\u017e o invaliditu. Nejlep\u0161\u00ed je pojistit se pro p\u0159\u00edpad invalidity kv\u016fli \u00farazu i nemoci. A na to je tu \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/span><\/p>\n

Poji\u0161t\u011bn\u00ed hospitalizace n\u00e1sledkem \u00farazu<\/h1>\n

I v tomto p\u0159\u00edpad\u011b dostanete od poji\u0161\u0165ovny pen\u00edze, a\u017e v\u00e1s propust\u00ed z l\u016f\u017ekov\u00e9 \u010d\u00e1sti nemocnice. Podle statistik \u010cSSZ je pr\u016fm\u011brn\u00e1 d\u00e9lka hospitalizace v \u010cesku \u0161est dn\u016f. Tak\u017ee pen\u00edze dostanete rychle, ale moc jich nebude.<\/span><\/p>\n

Co s t\u00edm?<\/b> Zva\u017ete, jestli za toto p\u0159ipoji\u0161t\u011bn\u00ed nezaplat\u00edte na pojistn\u00e9m v\u00edc, ne\u017e m\u016f\u017eete dostat.<\/span><\/p>\n

\u00darazov\u00fdch p\u0159ipoji\u0161t\u011bn\u00ed je je\u0161t\u011b v\u00edc, ale mysl\u00edm, \u017ee z\u00e1sadn\u00ed rozd\u00edl u\u017e je jasn\u00fd. A kdyby ne, tady je je\u0161t\u011b dal\u0161\u00ed srovn\u00e1n\u00ed v\u00fdhod a nev\u00fdhod obou poji\u0161t\u011bn\u00ed:<\/span><\/p>\n

\"V\u00fdhody
V\u00fdhody a nev\u00fdhody \u00farazov\u00e9ho a rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/figcaption><\/figure>\n

Kdy v\u00edc znamen\u00e1 m\u00e9n\u011b?<\/strong><\/h2>\n

Bohu\u017eel i dnes se najdou lid\u00e9, kter\u00fdm poji\u0161\u0165ov\u00e1k doporu\u010dil, aby si sjednali z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed smrti, doplnili ho poji\u0161t\u011bn\u00edm invalidity n\u00e1sledkem \u00farazu, k tomu p\u0159idali \u00farazov\u00e9 poji\u0161t\u011bn\u00ed p\u0159i autonehod\u011b, denn\u00ed od\u0161kodn\u00e9 za \u00faraz a nakonec poji\u0161t\u011bn\u00ed hospitalizace n\u00e1sledkem \u00farazu.\u00a0<\/span><\/p>\n

Uf. Zd\u00e1 se v\u00e1m, \u017ee takov\u00e1 pojistka kryje v\u0161echno mo\u017en\u00e9 i nemo\u017en\u00e9? Ve skute\u010dnosti v n\u00ed nen\u00ed to podstatn\u00e9, co nej\u010dast\u011bji ohro\u017euje pravideln\u00fd p\u0159\u00edjem: dlouhodob\u00e1 pracovn\u00ed neschopnost a invalidita jako n\u00e1sledky nemoci.<\/span><\/p>\n

Kdy je \u201e\u00farazovko\u201c ta spr\u00e1vn\u00e1 volba?<\/h2>\n

<\/b>Zat\u00edm z toho porovn\u00e1n\u00ed nevych\u00e1z\u00ed moc dob\u0159e, vi\u010fte? Ale i ono m\u00e1 sv\u00e9 opodstatn\u011bn\u00ed. \u00darazov\u00e9 poji\u0161t\u011bn\u00ed je mo\u017enou alternativou pro lidi, kter\u00e9 u\u017e \u017e\u00e1dn\u00e1 poji\u0161\u0165ovna nepojist\u00ed, nap\u0159\u00edklad proto\u017ee ned\u00e1vno prod\u011blali rakovinu nebo jsou ob\u00e9zn\u00ed a k tomu kou\u0159\u00ed.<\/span><\/p>\n

Taky je vhodn\u00e9 pro poji\u0161t\u011bn\u00ed d\u011bt\u00ed. T\u011bm se \u00farazy st\u00e1vaj\u00ed mnohem \u010dast\u011bji, kdy\u017e jako batolata v\u0161echno ochutn\u00e1vaj\u00ed nebo v p\u0159ed\u0161koln\u00edm v\u011bku prozkoum\u00e1vaj\u00ed okol\u00ed i sv\u00e9 limity.<\/span><\/p>\n

V\u0161e o \u00farazov\u00e9m poji\u0161t\u011bn\u00ed<\/a><\/div><\/a><\/p>\n

Na\u0161e rada zn\u00ed\u2026<\/h2>\n

Kdy\u017e s\u00e1z\u00edte jen na \u00farazovko, je to jako s\u00e1zet v rulet\u011b na jedno \u010d\u00edslo. Pravd\u011bpodobnost, \u017ee ze v\u0161ech 37 padne zrovna to va\u0161e, je hodn\u011b n\u00edzk\u00e1. <\/span>Spr\u00e1vn\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed s poji\u0161t\u011bn\u00edm smrti, invalidity a pracovn\u00ed neschopnosti na \u00faraz i nemoc<\/b> \u2013 to je naopak s\u00e1zka na \u010dervenou a \u010dernou z\u00e1rove\u0148. Proto neriskujte a nevyhazujte zbyte\u010dn\u011b pen\u00edze za \u00farazovko. Pojistit se dob\u0159e se vyplat\u00ed v\u00edc. A kdy\u017e bude h\u016f\u0159, ocen\u00edte to.<\/span><\/p>\n

\n

V Mutumutu n\u00e1m z\u00e1le\u017e\u00ed na tom, aby \u017eivotn\u00ed poji\u0161t\u011bn\u00ed bylo p\u0159\u00e1telsk\u00e9 a tak srozumiteln\u00e9, \u017ee si ho snadno sjedn\u00e1te sami a online. A v\u00edte, \u017ee kdy\u017e budete \u017e\u00edt zdrav\u011b, vr\u00e1t\u00edme v\u00e1m a\u017e 30 % pojistn\u00e9ho?<\/i><\/b><\/p>\n

Jak to funguje?<\/a><\/div><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Sjednali jste si \u201e\u017eivotko za super cenu\u201c? A je to opravdu \u017eivotko? \u00darazov\u00e9 poji\u0161t\u011bn\u00ed se m\u016f\u017ee zd\u00e1t v\u00fdhodn\u00e9, jen\u017ee kompletn\u011b ignoruje nemoci a \u010dasto v\u00e1m ani nepom\u016f\u017ee s v\u00fdpadkem p\u0159\u00edjm\u016f. Jsou ale i lid\u00e9, kter\u00fdm se m\u016f\u017ee hodit. M\u00e1te \u017eivotn\u00ed pojistku s poji\u0161t\u011bn\u00edm smrti, invalidity, hospitalizace i denn\u00edm od\u0161kodn\u00fdm? M\u00e1te v n\u00ed nastaven\u00e9 slu\u0161n\u00e9 pojistn\u00e9 …<\/p>\n","protected":false},"author":49,"featured_media":4681,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[473,457,216],"class_list":["post-4677","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-urazy","tag-vse-o-pojisteni","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4677","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=4677"}],"version-history":[{"count":9,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4677\/revisions"}],"predecessor-version":[{"id":5515,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4677\/revisions\/5515"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/4681"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=4677"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=4677"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=4677"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}