{"id":4718,"date":"2021-09-29T18:37:52","date_gmt":"2021-09-29T16:37:52","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=4718"},"modified":"2026-02-12T04:47:41","modified_gmt":"2026-02-12T03:47:41","slug":"jak-nastavit-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2021\/09\/29\/jak-nastavit-zivotni-pojisteni\/","title":{"rendered":"Jak nastavit \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? Jednoduch\u00fd recept, se kter\u00fdm to zvl\u00e1dnete sami"},"content":{"rendered":"<p><b>Kdy\u017e chcete zajistit sebe a rodinu, nese to s sebou hodn\u011b ot\u00e1zek. Co v\u0161echno si pojistit? Na jakou \u010d\u00e1stku a kdo ty pen\u00edze vlastn\u011b dostane? Co je indexace a co spolu\u00fa\u010dast? M\u00e1me odpov\u011bdi. A k tomu osv\u011bd\u010den\u00fd recept na klidn\u00e9 span\u00ed.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Jak u\u017e to s dobr\u00fdmi recepty \u010dasto b\u00fdv\u00e1, ten n\u00e1\u0161 m\u00e1 jen <\/span><b>t\u0159i ingredience<\/b><span style=\"font-weight: 400;\">: <\/span><a href=\"https:\/\/mutumutu.cz\/pojisteni-smrti\"><span style=\"font-weight: 400;\">poji\u0161t\u011bn\u00ed smrti<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/mutumutu.cz\/pojisteni-invalidity\"><span style=\"font-weight: 400;\">invalidity<\/span><\/a><span style=\"font-weight: 400;\"> a <\/span><a href=\"https:\/\/mutumutu.cz\/pojisteni-pracovni-neschopnosti\"><span style=\"font-weight: 400;\">pracovn\u00ed neschopnosti<\/span><\/a><span style=\"font-weight: 400;\">. Poji\u0161t\u011bn\u00ed smrti si za\u0159izujete proto, abyste zabezpe\u010dili sv\u00e9 bl\u00edzk\u00e9. Dal\u0161\u00ed dv\u011b v\u00e1m budou kr\u00fdt z\u00e1da pro p\u0159\u00edpad, \u017ee va\u0161e p\u0159\u00edjmy ohroz\u00ed nemoc nebo \u00faraz.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Suroviny bychom m\u011bli. Ale pozor \u2013 stejn\u011b jako u va\u0159en\u00ed tu plat\u00ed, \u017ee mus\u00ed b\u00fdt <\/span><b>kvalitn\u00ed<\/b><span style=\"font-weight: 400;\">, jinak to nebude ono. Jin\u00fdmi slovy jde o to vybrat si poji\u0161t\u011bn\u00ed, kter\u00e9:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">kryje i probl\u00e9my jako <\/span><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2019\/05\/06\/pojisteni-psychickych-nemoci-vcetne-vyhoreni\/\"><span style=\"font-weight: 400;\">du\u0161evn\u00ed nemoci<\/span><\/a><span style=\"font-weight: 400;\"> nebo bolesti zad,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">nem\u00e1 des\u00edtky v\u00fdjimek, kli\u010dek ani pozn\u00e1mek pod \u010darou.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A posledn\u00ed krok je v\u0161echno sm\u00edchat ve spr\u00e1vn\u00e9m pom\u011bru, tedy <\/span><b>dob\u0159e si nastavit \u010d\u00e1stku pojistn\u00e9ho kryt\u00ed<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Poji\u0161t\u011bn\u00ed smrti je z\u00e1klad ka\u017ed\u00e9ho dobr\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pokud dojde k nejhor\u0161\u00edmu, pojistn\u00e9 kryt\u00ed zajist\u00ed va\u0161eho partnera, partnerku, d\u011bti a klidn\u011b i celou dom\u00e1cnost, do kter\u00e9 jste p\u0159isp\u00edvali. O tom, <\/span><b>kdo p\u0159esn\u011b pen\u00edze dostane, rozhodnete vy<\/b><span style=\"font-weight: 400;\">. V pojistn\u00e9 smlouv\u011b uvedete takzvanou <\/span><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2023\/11\/02\/obmyslena-osoba-kdo-to-je-a-jak-s-ni-souvisi-dedictvi\/\"><span style=\"font-weight: 400;\">obmy\u0161lenou osobu<\/span><\/a><span style=\"font-weight: 400;\">. M\u016f\u017ee jich b\u00fdt v\u00edc a tak\u00e9 je m\u016f\u017eete kdykoli zm\u011bnit.\u00a0<\/span><\/p>\n<p><b>Kolik obmy\u0161len\u00e1 osoba dostane<\/b><span style=\"font-weight: 400;\">, rozhodujete ve chv\u00edli, kdy si poji\u0161t\u011bn\u00ed sjedn\u00e1v\u00e1te nebo ho m\u011bn\u00edte. Setkat se p\u0159i tom m\u016f\u017eete s pojmy konstantn\u00ed a klesaj\u00edc\u00ed pojistn\u00e1 \u010d\u00e1stka.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Klesaj\u00edc\u00ed pojistn\u00e1 \u010d\u00e1stka<\/b><span style=\"font-weight: 400;\"> v\u00e1s bude zaj\u00edmat, pokud spl\u00e1c\u00edte hypot\u00e9ku nebo jin\u00fd \u00fav\u011br. M\u011bla by odpov\u00eddat sum\u011b, kterou v\u00e1m je\u0161t\u011b zb\u00fdv\u00e1 doplatit. Zat\u00edmco vy budete spl\u00e1cet, pojistn\u00e1 \u010d\u00e1stka se bude sni\u017eovat. Tak\u017ee ve chv\u00edli, kdy by do\u0161lo na l\u00e1m\u00e1n\u00ed chleba, bude m\u00edt spr\u00e1vnou v\u00fd\u0161i, aby rodina nez\u016fstala zadlu\u017een\u00e1.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Konstantn\u00ed \u010d\u00e1stka<\/b><span style=\"font-weight: 400;\"> je vhodn\u00e1, pokud m\u00e1te v\u00a0\u00famyslu kr\u00fdt nejen spl\u00e1tky \u00fav\u011bru. Funguje jednodu\u0161e: kdy\u017e se pojist\u00edte na 1 000 000 K\u010d, v dob\u011b vyplacen\u00ed bude \u010d\u00e1stka zkr\u00e1tka 1 000 000 K\u010d. Kdybyste cht\u011bli zohlednit inflaci, za\u0161krtn\u011bte ve smlouv\u011b souhlas s tzv. indexac\u00ed. Pojistn\u00e1 \u010d\u00e1stka se tak bude ka\u017ed\u00fd rok m\u00edrn\u011b navy\u0161ovat, aby dohnala ekonomick\u00e9 zm\u011bny. To se samoz\u0159ejm\u011b prom\u00edtne i do ceny pojistn\u00e9ho. Ale po\u0159\u00e1d tu mluv\u00edme o konstantn\u00ed \u010d\u00e1stce.<\/span><\/li>\n<\/ul>\n<p><b>Jeden z\u00a0pou\u017e\u00edvan\u00fdch zp\u016fsob\u016f, jak u poji\u0161t\u011bn\u00ed smrti zjistit vhodnou konstantn\u00ed \u010d\u00e1stku:<\/b><\/p>\n<figure id=\"attachment_4725\" aria-describedby=\"caption-attachment-4725\" style=\"width: 1024px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4725 size-large\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/zivotni-pojisteni-vypocet-1024x567.png\" alt=\"\u017eivotn\u00ed poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed \u017eivota, poji\u0161t\u011bn\u00ed smrti, v\u00fdpo\u010det poji\u0161t\u011bn\u00ed, konstantn\u00ed pojistn\u00e1 \u010d\u00e1stka\" width=\"1024\" height=\"567\" srcset=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/zivotni-pojisteni-vypocet-1024x567.png 1024w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/zivotni-pojisteni-vypocet-300x166.png 300w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/zivotni-pojisteni-vypocet-768x425.png 768w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/zivotni-pojisteni-vypocet.png 1950w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption id=\"caption-attachment-4725\" class=\"wp-caption-text\">V\u00fdpo\u010det konstantn\u00ed pojistn\u00e9 \u010d\u00e1stky pro poji\u0161t\u011bn\u00ed smrti<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">Pracovn\u00ed neschopnost je nej\u010dast\u011bj\u0161\u00ed situace, ve kter\u00e9 v\u00e1m poji\u0161t\u011bn\u00ed m\u016f\u017ee vytrhnout trn z paty<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Tato \u201esurovina\u201c v\u00e1m <\/span><b>dorovn\u00e1 v\u00fdpadek p\u0159\u00edjmu<\/b><span style=\"font-weight: 400;\">, a\u0165 u\u017e budete marodit kv\u016fli nemoci (to se st\u00e1v\u00e1 v\u00fdrazn\u011b \u010dast\u011bji), nebo po <\/span><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2021\/08\/16\/urazove-pojisteni-vs-zivotni-pojisteni\/\"><span style=\"font-weight: 400;\">\u00farazu<\/span><\/a><span style=\"font-weight: 400;\">. U poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti se mus\u00edte rozhodnout o spolu\u00fa\u010dasti \u2013 tedy <\/span><b>od kter\u00e9ho dne na nemocensk\u00e9 chcete dost\u00e1vat pen\u00edze<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nej\u010dast\u011bji na trhu najdete poji\u0161t\u011bn\u00ed <\/span><b>s v\u00fdplatou od 15., 30. nebo 60. dne<\/b><span style=\"font-weight: 400;\">. Podle toho budete muset prvn\u00edch 15, 30 nebo 60 dn\u016f vysta\u010dit s vlastn\u00edmi \u00fasporami. Poji\u0161\u0165ovna v\u00e1m za\u010dne platit, a\u017e kdy\u017e budete na neschopence d\u00e9le. V <\/span><a href=\"https:\/\/mutumutu.cz\/\"><span style=\"font-weight: 400;\">Mutumutu<\/span><\/a><span style=\"font-weight: 400;\"> za\u010d\u00edn\u00e1me na 30 dnech.<\/span><\/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<p><span style=\"font-weight: 400;\">N\u011bkdy naraz\u00edte i na tzv. <\/span><b>zp\u011btn\u00e9 pln\u011bn\u00ed od 1. dne<\/b><span style=\"font-weight: 400;\">, kter\u00e9 b\u00fdv\u00e1 z\u00a0d\u016fvodu \u0161ir\u0161\u00edho kryt\u00ed dra\u017e\u0161\u00ed. Zn\u00ed to fajn, ale m\u011bjte na pam\u011bti, \u017ee \u010d\u00edm men\u0161\u00ed je spolu\u00fa\u010dast, t\u00edm v\u00edc budete platit na pojistn\u00e9m. Vhodn\u00fdm \u0159e\u0161en\u00edm tak m\u016f\u017ee b\u00fdt m\u00edt na prvn\u00ed dny neschopenky rezervu a pojistit se jen pro p\u0159\u00edpad, \u017ee na n\u00ed z\u016fstanete d\u00e9le.<\/span><\/p>\n<p><b>Na kolik se pojistit?<\/b><span style=\"font-weight: 400;\"> V\u017edycky se \u0159i\u010fte sv\u00fdm p\u0159\u00edjmem. Nem\u00e1 smysl se poji\u0161\u0165ovat na m\u00e9n\u011b, ale ani ne v\u00edce pen\u011bz, ne\u017e o kolik opravdu p\u0159ijdete.<\/span><\/p>\n<figure id=\"attachment_4729\" aria-describedby=\"caption-attachment-4729\" style=\"width: 1024px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-4729\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/vypocet-pracovni-neschopnost-1024x567.png\" alt=\"poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti, v\u00fdpo\u010det poji\u0161t\u011bn\u00ed, pojistn\u00e1 \u010d\u00e1stka\" width=\"1024\" height=\"567\" srcset=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/vypocet-pracovni-neschopnost-1024x567.png 1024w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/vypocet-pracovni-neschopnost-300x166.png 300w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/vypocet-pracovni-neschopnost-768x425.png 768w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/vypocet-pracovni-neschopnost.png 1950w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption id=\"caption-attachment-4729\" class=\"wp-caption-text\">V\u00fdpo\u010det pojistn\u00e9 \u010d\u00e1stky pro p\u0159\u00edpad pracovn\u00ed neschopnosti<\/figcaption><\/figure>\n<h2><span style=\"font-weight: 400;\">Invalidita v\u00e1m obr\u00e1t\u00ed \u017eivot i pen\u011b\u017eenku naruby \u2013 pokud se pro tento p\u0159\u00edpad nepojist\u00edte<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">V\u00edte, \u017ee k invalidit\u011b v\u011bt\u0161inou nedoch\u00e1z\u00ed n\u00e1sledkem \u00farazu, ale kv\u016fli nemoci? Za v\u00edce ne\u017e 50 % p\u0159\u00edpad\u016f m\u016f\u017ee bu\u010f <\/span><b>du\u0161evn\u00ed nemoc, nebo nemoci pohybov\u00e9 soustavy<\/b><span style=\"font-weight: 400;\">. Na to p\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed myslete \u2013 neobsahuje-li toto kryt\u00ed, nejde o kvalitn\u00ed surovinu do receptu na klidn\u00e9 span\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Invalidita je pom\u011brn\u011b komplexn\u00ed z\u00e1le\u017eitost. V \u010cesku m\u00e1me t\u0159i stupn\u011b a o tom, kter\u00fd p\u0159iznaj\u00ed v\u00e1m, <\/span><b>rozhoduj\u00ed org\u00e1ny st\u00e1tn\u00ed spr\u00e1vy<\/b><span style=\"font-weight: 400;\">. Posoud\u00ed, jak moc se sn\u00ed\u017eila va\u0161e schopnost pracovat, a hled\u00ed p\u0159i tom na krit\u00e9ria, jako je:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">druh povol\u00e1n\u00ed,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">mo\u017enost rekvalifikace,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">praxe<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u010di to, jak se se zdravotn\u00edm omezen\u00edm s\u017e\u00edv\u00e1te.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Volba, kter\u00fd stupe\u0148 invalidity pojistit, a <\/span><b>v\u00fdpo\u010det ide\u00e1ln\u00ed pojistn\u00e9 \u010d\u00e1stky jsou trochu o\u0159\u00ed\u0161ek<\/b><span style=\"font-weight: 400;\">. T\u011b\u017eko p\u0159edem odhadnete, jak by invalidita ovlivnila konkr\u00e9tn\u011b v\u00e1s. Ani to, jestli bude m\u00edt trval\u00e9 n\u00e1sledky. Stupe\u0148 invalidity se nav\u00edc m\u016f\u017ee m\u011bnit, a pokud se \u00fapln\u011b vyl\u00e9\u010d\u00edte, invalidn\u00ed d\u016fchod v\u00e1m mohou odebrat.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nicm\u00e9n\u011b v ka\u017ed\u00e9m p\u0159\u00edpad\u011b <\/span><b>doporu\u010dujeme zkombinovat dva druhy v\u00fdplaty<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\n<figure id=\"attachment_4727\" aria-describedby=\"caption-attachment-4727\" style=\"width: 1024px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-4727\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/vypoce-pojisteni-invalidity-1024x567.png\" alt=\"poji\u0161t\u011bn\u00ed invalidity, v\u00fdpo\u010det poji\u0161t\u011bn\u00ed, m\u011bs\u00ed\u010dn\u00ed renta, jednor\u00e1zov\u00e1 v\u00fdplata\" width=\"1024\" height=\"567\" srcset=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/vypoce-pojisteni-invalidity-1024x567.png 1024w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/vypoce-pojisteni-invalidity-300x166.png 300w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/vypoce-pojisteni-invalidity-768x425.png 768w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/vypoce-pojisteni-invalidity.png 1950w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption id=\"caption-attachment-4727\" class=\"wp-caption-text\">V\u00fdpo\u010det renty a jednor\u00e1zov\u00e9 v\u00fdplaty pro poji\u0161t\u011bn\u00ed invalidity<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">Poji\u0161t\u011bn\u00ed Mutumutu pro v\u00e1s um\u00ed zajistit pouze m\u011bs\u00ed\u010dn\u00ed rentu \u2013 je pot\u0159eba po\u010d\u00edtat s t\u00edmto druhem v\u00fdplaty.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Nezapome\u0148te \u017eivotn\u00ed poji\u0161t\u011bn\u00ed upravovat<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ide\u00e1ln\u011b p\u0159i ka\u017ed\u00e9 v\u011bt\u0161\u00ed \u017eivotn\u00ed zm\u011bn\u011b, jako jsou:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">vstup do man\u017eelstv\u00ed,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">narozen\u00ed d\u00edt\u011bte,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">rozvod,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">zv\u00fd\u0161en\u00ed platu\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u010di nov\u00e1 hypot\u00e9ka.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Zm\u011bn\u011b p\u0159izp\u016fsobte rizika, p\u0159epo\u010d\u00edtejte (a navy\u0161te) pojistn\u00e9 \u010d\u00e1stky, p\u0159\u00edpadn\u011b aktualizujte obmy\u0161lenou osobu.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Mutumutu \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a jak ho nastavit\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Kdy\u017e u\u017e te\u010f v\u00edte, jak spr\u00e1vn\u011b nastavit <\/span><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2021\/03\/24\/jak-funguje-zivotni-pojisteni\/\"><span style=\"font-weight: 400;\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/span><\/a><span style=\"font-weight: 400;\">, m\u016f\u017eete si ho <\/span><b>sjednat sami online<\/b><span style=\"font-weight: 400;\">. V r\u00e1mci na\u0161\u00ed <\/span><a href=\"https:\/\/mutumutu.cz\/kalkulacka\/uvod\"><span style=\"font-weight: 400;\">kalkula\u010dky<\/span><\/a><span style=\"font-weight: 400;\"> vypln\u00edte n\u011bkolik z\u00e1kladn\u00edch \u00fadaj\u016f a b\u011bhem chvilky z\u00edsk\u00e1te nab\u00eddku podle osv\u011bd\u010den\u00e9ho t\u0159\u00edslo\u017ekov\u00e9ho receptu. Nab\u00eddka je nez\u00e1vazn\u00e1 a u ka\u017ed\u00e9 slo\u017eky <\/span><b>najdete vysv\u011btlen\u00ed, pro\u010d je nastavena pr\u00e1v\u011b takto<\/b><span style=\"font-weight: 400;\">. Nastaven\u00ed nab\u00eddky si m\u016f\u017eete m\u011bnit sami. Zm\u011bnu v poji\u0161t\u011bn\u00ed pak s\u00a0n\u00e1mi m\u016f\u017eete \u0159e\u0161it online, ale p\u0159i n\u011bkter\u00fdch v\u011bt\u0161\u00edch zm\u011bn\u00e1ch mus\u00edte uzav\u0159\u00edt novou smlouvu.<\/span><\/p>\n<figure id=\"attachment_5606\" aria-describedby=\"caption-attachment-5606\" style=\"width: 424px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-5606\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/ukazka-vypoctu-kalkulacky-pojisteni-pracovni-neschopnosti-769x1024.jpg\" alt=\"Uk\u00e1zka v\u00fdpo\u010dtu kalkula\u010dky poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti.\" width=\"424\" height=\"564\" srcset=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/ukazka-vypoctu-kalkulacky-pojisteni-pracovni-neschopnosti-769x1024.jpg 769w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/ukazka-vypoctu-kalkulacky-pojisteni-pracovni-neschopnosti-225x300.jpg 225w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/ukazka-vypoctu-kalkulacky-pojisteni-pracovni-neschopnosti-768x1023.jpg 768w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/09\/ukazka-vypoctu-kalkulacky-pojisteni-pracovni-neschopnosti.jpg 988w\" sizes=\"auto, (max-width: 424px) 100vw, 424px\" \/><figcaption id=\"caption-attachment-5606\" class=\"wp-caption-text\">Uk\u00e1zka z online kalkula\u010dky Mutumutu<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">Pokud si st\u00e1le nejste jist\u00ed, nebojte \u2013 m\u00e1me i \u017eiv\u00e9 lidi. Jestli m\u00e1te jakoukoli dal\u0161\u00ed ot\u00e1zku, obra\u0165te se na na\u0161e <\/span><b>specialisty z\u00e1kaznick\u00e9 p\u00e9\u010de<\/b><span style=\"font-weight: 400;\">. Pomohou v\u00e1m proj\u00edt cel\u00fdm procesem, v\u0161echno spr\u00e1vn\u011b nastavit a uzav\u0159\u00edt smlouvu, d\u00edky kter\u00e9 m\u016f\u017eete sp\u00e1t v klidu.<\/span><\/p>\n<p><a href=\"https:\/\/www.mutumutu.cz\/kalkulacka\/zamluvit-termin\" 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\/zamluvit-termin'>Zamluvit term\u00edn<\/a><\/div><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kdy\u017e chcete zajistit sebe a rodinu, nese to s sebou hodn\u011b ot\u00e1zek. Co v\u0161echno si pojistit? Na jakou \u010d\u00e1stku a kdo ty pen\u00edze vlastn\u011b dostane? Co je indexace a co spolu\u00fa\u010dast? M\u00e1me odpov\u011bdi. A k tomu osv\u011bd\u010den\u00fd recept na klidn\u00e9 span\u00ed. Jak u\u017e to s dobr\u00fdmi recepty \u010dasto b\u00fdv\u00e1, ten n\u00e1\u0161 m\u00e1 jen t\u0159i ingredience:  &#8230;<\/p>\n","protected":false},"author":21,"featured_media":4720,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[60,352,216],"class_list":["post-4718","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-pojisteni-invalidity","tag-pojisteni-pracovni-neschopnosti","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4718","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\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=4718"}],"version-history":[{"count":10,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4718\/revisions"}],"predecessor-version":[{"id":5607,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4718\/revisions\/5607"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/4720"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=4718"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=4718"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=4718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}