{"id":4780,"date":"2021-11-22T13:44:05","date_gmt":"2021-11-22T12:44:05","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=4780"},"modified":"2025-09-24T15:11:20","modified_gmt":"2025-09-24T13:11:20","slug":"jak-vybrat-nejlepsi-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2021\/11\/22\/jak-vybrat-nejlepsi-zivotni-pojisteni\/","title":{"rendered":"Jak vybrat nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Poh\u00e1dky neexistuj\u00ed, ale dobr\u00e9 kryt\u00ed ano"},"content":{"rendered":"<p><b>V tomhle \u010dl\u00e1nku se nedozv\u00edte, co je nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed na trhu. Ale porad\u00edme v\u00e1m, jak vyhodnotit, kter\u00e9 poji\u0161t\u011bn\u00ed je nejlep\u0161\u00ed pr\u00e1v\u011b pro v\u00e1s. Jak si vybrat poji\u0161\u0165ovnu, co v\u0161echno si pojistit a pro\u010d byste se na to nem\u011bli vyka\u0161lat?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Zn\u00e1te ten pocit, kdy dob\u0159e v\u00edte, \u017ee byste m\u011bli m\u00edt \u017eivotko, ale st\u00e1le ho je\u0161t\u011b nem\u00e1te? Mo\u017en\u00e1 jste se je\u0161t\u011b nerozhodli, kter\u00e9 by bylo to prav\u00e9 o\u0159echov\u00e9. Nebo jednodu\u0161e nev\u00edte, jak ho nastavit. Sice na to pomysl\u00edte jednou dvakr\u00e1t za rok, ale ten pocit ve v\u00e1s hlod\u00e1 a br\u00e1n\u00ed v\u00e1m v klidn\u00e9m span\u00ed. M\u00e1me p\u00e1r rad, kter\u00e9 v\u00e1m pom\u016f\u017eou kone\u010dn\u011b ud\u011blat rozhodnut\u00ed a vybrat pro sebe to nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/span><\/p>\n<h2>Pro\u010d \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pot\u0159ebujete<\/h2>\n<p><span style=\"font-weight: 400;\">Kdy\u017e si koup\u00edte auto, byt, dovolenou nebo jinou pom\u00edjivou v\u011bc, bez mrknut\u00ed oka si je pojist\u00edte. Ale co kdy\u017e \u017eijete s rodinou, m\u00e1te d\u011bti nebo prost\u011b n\u011bkoho bl\u00edzk\u00e9ho, komu na v\u00e1s z\u00e1le\u017e\u00ed a koho nelze jen tak nahradit? \u0158ada lid\u00ed v takov\u00fdch chv\u00edl\u00edch paradoxn\u011b v\u00e1h\u00e1, jestli nebo kdy se pojistit. A v tom je pr\u00e1v\u011b ten probl\u00e9m.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Vezmeme to vylu\u010dovac\u00ed metodou. Poji\u0161t\u011bn\u00ed rozhodn\u011b nepot\u0159ebujete, kdy\u017e v\u00edte, \u017ee:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">jste nesmrteln\u00ed,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">jste jedin\u00ed, kdo v\u00ed, kter\u00e1 \u010d\u00edsla padnou v nejbli\u017e\u0161\u00edm losov\u00e1n\u00ed Sazky,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">jste jedin\u00fd d\u011bdic str\u00fd\u010dka Skrbl\u00edka,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">se va\u0161e d\u011bti o v\u00e1s dob\u0159e postaraj\u00ed nebo<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">se o v\u00e1s postar\u00e1 st\u00e1t.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Pokud tu\u0161\u00edte, \u017ee nic z v\u00fd\u0161e uveden\u00e9ho nevyjde, \u010dt\u011bte d\u00e1l.\u00a0<\/span><\/p>\n<h2>Jak vypad\u00e1 ide\u00e1ln\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n<p><span style=\"font-weight: 400;\">Mohlo by se zd\u00e1t, \u017ee to nejlep\u0161\u00ed <a href=\"https:\/\/mutumutu.cz\/\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> kryje v\u0161echny situace, kter\u00e9 v\u00e1s a va\u0161i rodinu m\u016f\u017eou v \u017eivot\u011b potkat. Od\u0161kodn\u00ed ka\u017edou vir\u00f3zu i \u00faraz, pokryje n\u00e1klady va\u0161\u00ed dom\u00e1cnosti na 25 let, a je\u0161t\u011b k tomu splat\u00ed va\u0161i hypot\u00e9ku. Zn\u00ed to jako z poh\u00e1dky, ale bohu\u017eel to taky ve sv\u011bt\u011b poh\u00e1dek z\u016fstane. \u017divotn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed jako \u201eStole\u010dku, prost\u0159i se!\u201c, aby p\u0159i ka\u017ed\u00e9 \u017eivotn\u00ed krizi vyplatilo n\u011bjak\u00e9 pen\u00edze. Takov\u00e9 poji\u0161t\u011bn\u00ed by v\u00e1s nav\u00edc m\u011bs\u00ed\u010dn\u011b st\u00e1lo <\/span><i><span style=\"font-weight: 400;\">minim\u00e1ln\u011b <\/span><\/i><span style=\"font-weight: 400;\">tolik co spl\u00e1tka t\u00e9 hypot\u00e9ky. Ve skute\u010dnosti by se v\u00e1m v\u016fbec nevyplatilo.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ide\u00e1ln\u00ed poji\u0161t\u011bn\u00ed je takov\u00e9, kter\u00e9 si m\u016f\u017eete dovolit, a p\u0159itom v\u00e1s \u00fa\u010dinn\u011b chr\u00e1n\u00ed. Z rodinn\u00e9ho rozpo\u010dtu neukroj\u00ed p\u0159\u00edli\u0161, ale bude kr\u00fdt v\u0161echny nejz\u00e1sadn\u011bj\u0161\u00ed \u017eivotn\u00ed situace. Tedy chv\u00edle, kdy vy nebo rodina p\u0159ijdete o p\u0159\u00edjmy kv\u016fli nemoci, <a href=\"https:\/\/mutumutu.cz\/pojisteni-invalidity\">invalidit\u011b<\/a>, \u00famrt\u00ed, p\u0159\u00edpadn\u011b v\u00e1\u017en\u00e9 nemoci. Mrkn\u011bte, jak dob\u0159e zvolen\u00e9 poji\u0161t\u011bn\u00ed pom\u016f\u017ee zrovna v\u00e1m:<\/span><\/p>\n<table style=\"height: 2933px;\" width=\"806\">\n<tbody>\n<tr>\n<td>\n<h1><span style=\"color: #5a008c;\"><b>Va\u0161e <span style=\"color: #5a008c;\">situace<\/span><\/b><\/span><\/h1>\n<\/td>\n<td>\n<h1><span style=\"color: #5a008c;\"><b>Pro\u010d se pojistit<\/b><\/span><\/h1>\n<\/td>\n<td>\n<h1><span style=\"color: #5a008c;\"><b>Co si pojistit<\/b><\/span><\/h1>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>Jste single a bez z\u00e1vazk\u016f<\/b><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee kdy\u017e budete marod, v\u00e1\u017en\u011b nemocn\u00ed, nebo dokonce invalidn\u00ed, budou se o v\u00e1s muset postarat va\u0161i rodi\u010de. P\u0159\u00edpadn\u011b budete nuceni vyu\u017e\u00edt pomoci n\u011bkoho jin\u00e9ho (nap\u0159. asistenta).<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><strong>Pracovn\u00ed neschopnost<\/strong> do v\u00fd\u0161e chyb\u011bj\u00edc\u00ed mzdy, <strong>i<\/strong><\/span><span style=\"font-weight: 400;\"><strong>nvaliditu<\/strong> do v\u00fd\u0161e trojn\u00e1sobku ro\u010dn\u00edho platu, <strong>s<\/strong><\/span><span style=\"font-weight: 400;\"><strong>mrt<\/strong> pouze do v\u00fd\u0161e n\u00e1klad\u016f na poh\u0159eb<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>Jste student\/ka<\/b><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee kdyby v\u00e1s potkala invalidita, budou se o v\u00e1s muset postarat rodi\u010de a na va\u0161e n\u00e1klady s n\u00ed spojen\u00e9 (n\u00e1kup invalidn\u00edho voz\u00edku, rehabilitace) mohou padnout jejich celo\u017eivotn\u00ed \u00faspory. P\u0159\u00edpadn\u011b se budete muset pln\u011b spolehnout pouze na podporu st\u00e1tu.<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><strong>Invaliditu<\/strong> na pokryt\u00ed po\u010d\u00e1te\u010dn\u00edch n\u00e1klad\u016f (p\u0159ibli\u017en\u011b 300 a\u017e 500 tis\u00edc korun), <strong>s<\/strong><\/span><span style=\"font-weight: 400;\"><strong>mrt<\/strong> do v\u00fd\u0161e n\u00e1klad\u016f na poh\u0159eb<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>Jste zam\u011bstnanec nebo zam\u011bstnankyn\u011b<\/b><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee s cca 60% p\u0159\u00edjmem v r\u00e1mci nemocensk\u00e9 nelze dlouhodob\u011b platit v\u0161echny finan\u010dn\u00ed z\u00e1vazky. Na neschopence m\u016f\u017eete b\u00fdt dlouhodob\u011b, co\u017e m\u016f\u017ee znamenat velk\u00fd z\u00e1sah do va\u0161ich p\u0159\u00edjm\u016f a nastaven\u00e9ho \u017eivotn\u00edho standardu.<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><strong>Pracovn\u00ed neschopnost<\/strong> od 30. dne (pokud nem\u00e1te \u017e\u00e1dnou rezervu) nebo <\/span><span style=\"font-weight: 400;\">od 60. dne (pokud rezervu m\u00e1te); v<\/span><span style=\"font-weight: 400;\">\u00a0obou p\u0159\u00edpadech se pojist\u011bte p\u0159ibli\u017en\u011b na 40 % sv\u00e9ho platu<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>Jste OSV\u010c<\/b><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee p\u0159i pracovn\u00ed neschopnosti nedostanete od st\u00e1tu nic (pokud si neplat\u00edte dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed).<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><strong>Pracovn\u00ed neschopnost<\/strong> na 100 % va\u0161eho pr\u016fm\u011brn\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu; p\u0159\u00edpadn\u011b<\/span><span style=\"font-weight: 400;\"> na 60 %, pokud si nemocensk\u00e9 poji\u0161t\u011bn\u00ed plat\u00edte<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>Jste jedin\u00ed, kdo v rodin\u011b vyd\u011bl\u00e1v\u00e1<\/b><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee kdy\u017e rodina dlouhodob\u011b p\u0159ijde o v\u00e1\u0161 p\u0159\u00edjem, nebude schopna zaplatit ani nezbytn\u00e9 v\u00fddaje.\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><strong>Pracovn\u00ed neschopnost<\/strong> do v\u00fd\u0161e chyb\u011bj\u00edc\u00edho p\u0159\u00edjmu,<strong> i<\/strong><\/span><span style=\"font-weight: 400;\"><strong>nvaliditu<\/strong> a <strong>smrt<\/strong> ve v\u00fd\u0161i x-n\u00e1sobku va\u0161eho platu, p\u0159i\u010dem\u017e x je po\u010det let, kter\u00e9 chyb\u00ed do dosp\u011blosti va\u0161eho nejmlad\u0161\u00edho d\u00edt\u011bte<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>Jste m\u00e1ma nebo t\u00e1ta od rodiny<\/b><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee kdy\u017e se v\u00e1m n\u011bco stane, bude v\u00e1\u0161 p\u0159\u00edjem v rodinn\u00e9m rozpo\u010dtu chyb\u011bt a v\u00e1\u0161 partner bude muset v\u0161echny v\u00fddaje pokr\u00fdt pouze ze sv\u00e9ho p\u0159\u00edjmu. V p\u0159\u00edpad\u011b invalidity padne velk\u00e1 \u010d\u00e1st rezervy na \u00fapravu bydlen\u00ed a va\u0161i rehabilitaci nebo l\u00e9\u010den\u00ed.<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><strong>Pracovn\u00ed neschopnost<\/strong> do v\u00fd\u0161e chyb\u011bj\u00edc\u00edho p\u0159\u00edjmu, <strong>i<\/strong><\/span><span style=\"font-weight: 400;\"><strong>nvaliditu<\/strong> a <strong>smrt<\/strong> ve v\u00fd\u0161i x-n\u00e1sobku va\u0161eho platu, p\u0159i\u010dem\u017e x je po\u010det let, kter\u00e9 chyb\u00ed do dosp\u011blosti va\u0161eho nejmlad\u0161\u00edho d\u00edt\u011bte<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>Jste samo\u017eivitel\/ka<\/b><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee finan\u010dn\u00ed situace va\u0161\u00ed rodiny z\u00e1vis\u00ed pouze a jenom na va\u0161em p\u0159\u00edjmu.\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><strong>Pracovn\u00ed neschopnost<\/strong> do v\u00fd\u0161e chyb\u011bj\u00edc\u00edho p\u0159\u00edjmu, <strong>i<\/strong><\/span><span style=\"font-weight: 400;\"><strong>nvaliditu<\/strong> a <strong>smrt<\/strong> ve v\u00fd\u0161i x-n\u00e1sobku va\u0161eho platu, p\u0159i\u010dem\u017e x je po\u010det let, kter\u00e9 chyb\u00ed do dosp\u011blosti va\u0161eho nejmlad\u0161\u00edho d\u00edt\u011bte<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>Jste nezam\u011bstnan\u00ed<\/b><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee pravd\u011bpodobn\u011b nem\u00e1te pen\u00edze nazbyt, a pokud byste se stali invalidn\u00edmi, nebudete m\u00edt z \u010deho zaplatit n\u00e1klady s t\u00edm spojen\u00e9 (n\u00e1kup invalidn\u00edho voz\u00edku, \u00faprava bydlen\u00ed, rehabilitace).<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><strong>Invaliditu<\/strong> na pokryt\u00ed po\u010d\u00e1te\u010dn\u00edch n\u00e1klad\u016f (p\u0159ibli\u017en\u011b 300 a\u017e 500 tis\u00edc korun), <strong>s<\/strong><\/span><span style=\"font-weight: 400;\"><strong>mrt<\/strong> do v\u00fd\u0161e n\u00e1klad\u016f na poh\u0159eb<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>Jste na rodi\u010dovsk\u00e9 dovolen\u00e9<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee kdy\u017e se v\u00e1m n\u011bco stane a vy se nebudete moct postarat o d\u00edt\u011b, v\u00e1\u0161 partner bude muset j\u00edt na \u201eo\u0161et\u0159ova\u010dku\u201c (O\u010cR \u2013 o\u0161et\u0159en\u00ed \u010dlena rodiny). Cel\u00e1 rodina t\u00edm p\u0159ijde o velkou \u010d\u00e1st pravideln\u00e9ho p\u0159\u00edjmu.<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><strong>Invaliditu<\/strong> alespo\u0148 na pokryt\u00ed po\u010d\u00e1te\u010dn\u00edch n\u00e1klad\u016f (p\u0159ibli\u017en\u011b 300 a\u017e 500 tis\u00edc korun), <strong>s<\/strong><\/span><span style=\"font-weight: 400;\"><strong>mrt<\/strong> na 50 % v\u0161ech n\u00e1klad\u016f rodiny alespo\u0148 do doby, kdy u\u017e va\u0161e d\u011bti nebudou pot\u0159ebovat pomoc p\u0159i b\u011b\u017en\u00fdch v\u011bcech, jako je obl\u00e9k\u00e1n\u00ed, um\u00fdv\u00e1n\u00ed a j\u00eddlo<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>Jste invalida<\/b><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee ani v\u00e1m se nemoci \u010di smrt nevyh\u00fdbaj\u00ed. Lid\u00e9 s invaliditou st\u00e1le mohou pracovat, a t\u00edm p\u00e1dem i p\u0159ij\u00edt o \u010d\u00e1st p\u0159\u00edjmu p\u0159i pracovn\u00ed neschopnosti.\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><strong>Pracovn\u00ed neschopnost<\/strong> do v\u00fd\u0161e chyb\u011bj\u00edc\u00edho p\u0159\u00edjmu,<strong> s<\/strong><\/span><span style=\"font-weight: 400;\"><strong>mrt<\/strong> alespo\u0148 do v\u00fd\u0161e n\u00e1klad\u016f na poh\u0159eb<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>Jste v d\u016fchodu<\/b><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee se m\u016f\u017ee st\u00e1t, \u017ee v\u00e1\u0161 partner na v\u0161echny nemoci, \u00fatrapy a v\u00fddaje z\u016fstane s\u00e1m, kdy\u017e zem\u0159ete.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Pokud ji\u017e va\u0161e d\u011bti nejsou z\u00e1visl\u00e9 na va\u0161em p\u0159\u00edjmu, posta\u010d\u00ed poji\u0161t\u011bn\u00ed<strong> smrti<\/strong>; p<\/span><span style=\"font-weight: 400;\">ojist\u011bte se tak, aby v\u00e1\u0161 partner zvl\u00e1dl v\u0161echny z\u00e1vazky pouze se sv\u00fdm p\u0159\u00edjmem a vdovsk\u00fdm\/vdoveck\u00fdm d\u016fchodem<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>Jste sirotek<\/b><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee pokud nem\u00e1te nikoho, kdo by v\u00e1m pomohl platit pravideln\u00e9 v\u00fddaje, jste odk\u00e1z\u00e1ni pouze na sv\u016fj p\u0159\u00edjem a rezervy.<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><strong>Pracovn\u00ed neschopnost<\/strong> do v\u00fd\u0161e chyb\u011bj\u00edc\u00edho p\u0159\u00edjmu, <strong>i<\/strong><\/span><span style=\"font-weight: 400;\"><strong>nvaliditu<\/strong> alespo\u0148 na po\u010d\u00e1te\u010dn\u00ed n\u00e1klady s n\u00ed spojen\u00e9 (p\u0159ibli\u017en\u011b 300 a\u017e 500 tis\u00edc korun),<strong> s<\/strong><\/span><span style=\"font-weight: 400;\"><strong>mrt<\/strong> alespo\u0148 do v\u00fd\u0161e n\u00e1klad\u016f na poh\u0159eb<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>Jste majitel\/ka spole\u010dnosti<\/b><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee pln\u011bn\u00ed v p\u0159\u00edpad\u011b sv\u00e9 smrti m\u016f\u017eete odk\u00e1zat i pr\u00e1vnick\u00e9 osob\u011b. Nap\u0159\u00edklad proto, \u017ee chcete, aby m\u011bla prost\u0159edky na dal\u0161\u00ed provoz, i kdy\u017e tu u\u017e nebudete.<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><strong>Smrt<\/strong> na \u010d\u00e1stku podle va\u0161\u00ed volby<\/span><\/td>\n<\/tr>\n<tr>\n<td>\n<h1><b>M\u00e1te hypot\u00e9ku nebo \u00fav\u011bry<\/b><\/h1>\n<\/td>\n<td><span style=\"font-weight: 400;\">Proto\u017ee \u00fav\u011bry se mus\u00ed spl\u00e1cet, i kdy\u017e jste marod, invalidn\u00ed nebo po smrti. Nechcete p\u0159ece, aby va\u0161i bl\u00edzc\u00ed p\u0159i\u0161li o st\u0159echu nad hlavou.<\/span><\/td>\n<td><span style=\"font-weight: 400;\"><strong>Invaliditu<\/strong> a <strong>smrt<\/strong> na pojistnou \u010d\u00e1stku, kter\u00e1 odpov\u00edd\u00e1 v\u00fd\u0161i \u00fav\u011bru a kles\u00e1 ka\u017ed\u00fd m\u011bs\u00edc (spolu s nesplacenou jistinou \u00fav\u011bru)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Jak se pojistit dob\u0159e a levn\u011b<\/h2>\n<p><span style=\"font-weight: 400;\">Zamyslete se nad t\u00edm, jak byste zm\u00edn\u011bn\u00e9 situace zvl\u00e1dli s t\u00edm, co dnes m\u00e1te. Pokud nem\u00e1te \u017e\u00e1dnou rezervu, sjednejte si <\/span><a href=\"https:\/\/mutumutu.cz\/pojisteni-pracovni-neschopnosti\"><b>poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti <\/b><\/a><span style=\"font-weight: 400;\">s co nejkrat\u0161\u00ed karen\u010dn\u00ed dobou \u2013 to je doba, po kter\u00e9 za\u010dne poji\u0161\u0165ovna vypl\u00e1cet pln\u011bn\u00ed. S <\/span><b>invaliditou II. a III. stupn\u011b<\/b><span style=\"font-weight: 400;\"> pak pokryjete ty nejz\u00e1va\u017en\u011bj\u0161\u00ed nemoci. Pokud se ale \u017eiv\u00edte rukama nebo byste sv\u00e9 povol\u00e1n\u00ed nemohli vykon\u00e1vat ani s ni\u017e\u0161\u00edm stupn\u011bm po\u0161kozen\u00ed t\u011bla, sjednejte si poji\u0161t\u011bn\u00ed pro v\u0161echny t\u0159i stupn\u011b invalidity.<\/span><a href=\"https:\/\/mutumutu.cz\/pojisteni-smrti\"><b> Poji\u0161t\u011bn\u00ed smrti <\/b><\/a><span style=\"font-weight: 400;\">je povinnou polo\u017ekou ka\u017ed\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. Proto si ho mus\u00edte sjednat, ale \u010d\u00e1stku upravte tak, abyste pokryli to nezbytn\u00e9. Jak vypo\u010d\u00edtat ide\u00e1ln\u00ed \u010d\u00e1stky, zjist\u00edte v na\u0161em <\/span><a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2021\/09\/29\/jak-nastavit-zivotni-pojisteni\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">\u010dl\u00e1nku o nastaven\u00ed \u017eivotka<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A je\u0161t\u011b t\u0159i tipy, jak si poji\u0161t\u011bn\u00ed zlevnit:<\/span><\/p>\n<p>1.<span style=\"color: #5a008c;\"><b> Sjednejte si ho, dokud jste mlad\u00ed<\/b><\/span><span style=\"font-weight: 400;\"> \u2013 jin\u00fdmi slovy kdy\u017e jste je\u0161t\u011b zdr\u00e1vi, s ide\u00e1ln\u00ed hmotnost\u00ed, bez pestr\u00e9 historie ve zdravotn\u00ed kart\u011b.<\/span><\/p>\n<p>2. <span style=\"color: #5a008c;\"><b>Pojist\u011bte jen to nejnutn\u011bj\u0161\u00ed<\/b><\/span><span style=\"font-weight: 400;\">, ale z\u00e1rove\u0148 nejz\u00e1va\u017en\u011bj\u0161\u00ed.<\/span><\/p>\n<p>3. <b><span style=\"color: #5a008c;\">Sjednejte si poji\u0161t\u011bn\u00ed, kter\u00e9 ocen\u00ed, kdy\u017e se o sebe star\u00e1te<\/span><\/b>.<span style=\"font-weight: 400;\"> U\u0161et\u0159\u00edte, a je\u0161t\u011b tak sni\u017eujete riziko vzniku nemoc\u00ed, zkracujete dobu l\u00e9\u010den\u00ed \u00faraz\u016f a p\u0159edch\u00e1z\u00edte civiliza\u010dn\u00edm chorob\u00e1m.<\/span><\/p>\n<p><a href=\"https:\/\/www.mutumutu.cz\/30-procent-zpet\" 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\/30-procent-zpet'>30 % POJISTN\u00c9HO ZP\u011aT<\/a><\/div><\/a><\/p>\n<h2>Jak vybrat tu spr\u00e1vnou poji\u0161\u0165ovnu?<\/h2>\n<p><span style=\"font-weight: 400;\">Pojistn\u00e9 produkty jednotliv\u00fdch poji\u0161\u0165oven jsou hodn\u011b podobn\u00e9. Abyste poznali, v \u010dem se li\u0161\u00ed, zkontrolujte v pojistn\u00fdch podm\u00ednk\u00e1ch u ka\u017ed\u00e9ho rizika p\u0159inejmen\u0161\u00edm definici pojistn\u00e9 ud\u00e1losti a v\u00fdluky. Tak z\u00edsk\u00e1te aspo\u0148 z\u00e1kladn\u00ed srovn\u00e1n\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pozor si ur\u010dit\u011b dejte na sazebn\u00edk poplatk\u016f. Volte poji\u0161\u0165ovnu, kter\u00e1 si ne\u00fa\u010dtuje \u017e\u00e1dn\u00e9 poplatky za zm\u011bnu poji\u0161t\u011bn\u00ed nebo jeho <\/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;\">ukon\u010den\u00ed<\/span><\/a><span style=\"font-weight: 400;\">. Ptejte se tak\u00e9, jak m\u016f\u017eete zm\u011bny poji\u0161t\u011bn\u00ed nebo jeho ukon\u010den\u00ed prov\u00e9st. Ide\u00e1ln\u00ed je, kdy\u017e m\u016f\u017eete v\u0161echno vy\u0159e\u0161it online. Dnes u\u017e m\u00e1 m\u00e1lokdo \u010das a chu\u0165 nav\u0161t\u011bvovat pobo\u010dky poji\u0161\u0165ovny nebo vysed\u00e1vat s poradcem na kafi.<\/span><\/p>\n<h2><b>Je poji\u0161t\u011bn\u00ed s v\u00fdhodami opravdu v\u00fdhodn\u00e9?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Mo\u017en\u00e1 p\u0159em\u00fd\u0161l\u00edte, jestli zvolit investi\u010dn\u00ed, nebo rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Myslete na to, \u017ee hlavn\u00edm \u00fakolem poji\u0161t\u011bn\u00ed je pomoci v\u00e1m v t\u011b\u017ek\u00e9 situaci. To znamen\u00e1 kr\u00fdt rizika. Pokud je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed spojen\u00e9 s investov\u00e1n\u00edm, jsou to v podstat\u011b dva produkty v sob\u011b \u2013 poji\u0161t\u011bn\u00ed <\/span><i><span style=\"font-weight: 400;\">a<\/span><\/i><span style=\"font-weight: 400;\"> investice. \u010c\u00e1st zaplacen\u00e9ho pojistn\u00e9ho sice m\u016f\u017eete zohlednit v da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed, ale dob\u0159e si spo\u010d\u00edtejte, kolik t\u00edm na dan\u00edch uspo\u0159\u00edte a jestli je to skute\u010dn\u011b v\u00fdhoda.<\/span><\/p>\n<p><b>N\u00e1\u0161 tip:\u00a0<\/b><span style=\"font-weight: 400;\">Pokud chcete z poji\u0161t\u011bn\u00ed dostat n\u011bco zp\u011bt, h\u00fdbejte se, pe\u010dujte o sebe a Mutumutu v\u00e1m ka\u017ed\u00e9ho \u010dtvrt roku vr\u00e1t\u00ed \u010d\u00e1st zaplacen\u00e9ho pojistn\u00e9ho p\u0159\u00edmo na v\u00e1\u0161 bankovn\u00ed \u00fa\u010det. Vyplat\u00ed se to. Tak t\u0159eba u poji\u0161t\u011bn\u00ed za 600 K\u010d m\u011bs\u00ed\u010dn\u011b m\u016f\u017eete dostat zp\u00e1tky a\u017e 2160 korun za rok.<\/span><\/p>\n<h2><b>Tak\u017ee kde a jak si poji\u0161t\u011bn\u00ed sjednat?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">V podstat\u011b m\u00e1te t\u0159i mo\u017enosti.<\/span><\/p>\n<p>1.<span style=\"color: #5a008c;\"><b> Obej\u00edt v\u0161echny pobo\u010dky<\/b><\/span><span style=\"font-weight: 400;\"> poji\u0161\u0165oven, nechat si spo\u010d\u00edtat nab\u00eddku, doptat se na detaily a pak si je doma srovnat.<\/span><\/p>\n<p>2. <span style=\"color: #5a008c;\"><b>Oslovit poji\u0161\u0165ov\u00e1ka<\/b><\/span><span style=\"font-weight: 400;\">, kter\u00fd v\u00e1m p\u0159iprav\u00ed t\u0159i nab\u00eddky, ale pouze od poji\u0161\u0165oven, se kter\u00fdmi spolupracuje. Ujist\u011bte se, \u017ee mu jde o to, aby byl pokryt\u00fd v\u00e1\u0161 p\u0159\u00edjem, ne ten jeho.<\/span><\/p>\n<p>3. <span style=\"color: #5a008c;\"><b>Vyu\u017e\u00edt srovn\u00e1va\u010de poji\u0161t\u011bn\u00ed<\/b><\/span><span style=\"font-weight: 400;\">, kter\u00e9 v\u00e1m tak\u00e9 srovnaj\u00ed nab\u00eddky poji\u0161\u0165oven, ale pouze t\u011bch, se kter\u00fdmi spolupracuj\u00ed.<\/span><\/p>\n<p>4.<span style=\"color: #5a008c;\"><b> Sjednat si poji\u0161t\u011bn\u00ed online<\/b><\/span><span style=\"font-weight: 400;\">. Dnes m\u016f\u017eete celou pojistnou smlouvu sjednat online u poji\u0161t\u011bn\u00ed Mutumutu od Komer\u010dn\u00ed poji\u0161\u0165ovny, u poji\u0161t\u011bn\u00ed Flexi od Kooperativy nebo u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed od Uniqa na klik.cz. U Generali \u010cesk\u00e9 poji\u0161\u0165ovny nebo u poji\u0161t\u011bn\u00ed Simplea se zat\u00edm pln\u011b online nepojist\u00edte, ale m\u016f\u017eete si na webu aspo\u0148 spo\u010d\u00edtat cenu.<\/span><\/p>\n<h2><b>Chcete m\u00edt opravdu srovn\u00e1n\u00ed?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Pokud jste analytick\u00fd typ a m\u00e1te dostatek \u010dasu, m\u016f\u017eete zkombinovat v\u0161echny t\u0159i mo\u017enosti. M\u016f\u017eete si taky na\u010d\u00edst recenze nebo se doptat na zku\u0161enosti sv\u00fdch zn\u00e1m\u00fdch a v\u0161echno porovnat. Nebo n\u00e1m sv\u00e9 nab\u00eddky po\u0161lete a <\/span><a href=\"https:\/\/www.mutumutu.cz\/zkontrolujeme-vasi-smlouvu\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">my je zkontrolujeme za v\u00e1s<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h2><b>Na co si je\u0161t\u011b d\u00e1t pozor<\/b><\/h2>\n<h1><b>Nic ne\u017e pravdu<\/b><\/h1>\n<p><span style=\"font-weight: 400;\">Abyste mohli b\u00fdt poji\u0161t\u011bn\u00ed, mus\u00edte vyplnit zdravotn\u00ed dotazn\u00edk. Odpov\u00eddejte up\u0159\u00edmn\u011b. Nejde o sout\u011b\u017e kr\u00e1sy, ale o v\u00e1\u0161 \u017eivot. Takov\u00fd, jak\u00fd je, se v\u0161emi nemocemi, vadami, jizvami, vysok\u00fdm BMI nebo kou\u0159en\u00edm. Kdy\u017e se v\u00e1m n\u011bco stane a poji\u0161\u0165ovna zjist\u00ed, \u017ee jste p\u0159i sjedn\u00e1v\u00e1n\u00ed n\u011bkter\u00fd \u00fadaj (z\u00e1m\u011brn\u011b nebo omylem) neuvedli, m\u016f\u017ee v\u00e1m odm\u00edtnout vyplatit pen\u00edze. A p\u0159ece nechcete dvacet let platit za poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1m pak v t\u011b\u017ek\u00e9 situaci nepom\u016f\u017ee.<\/span><\/p>\n<h1><b>Poji\u0161t\u011bn\u00ed na m\u00edru<\/b><\/h1>\n<p><span style=\"font-weight: 400;\">Pokud holdujete nap\u0159\u00edklad trail\u016fm v lese, skialpinismu nebo d\u011bl\u00e1te dobrovoln\u00e9ho hasi\u010de, ujist\u011bte se, \u017ee i tyto situace va\u0161e poji\u0161t\u011bn\u00ed kryje. Nejde jen o rizikov\u00e9 sporty a povol\u00e1n\u00ed, ale o v\u0161echny nestandardn\u00ed situace. Chov\u00e1te doma alig\u00e1tory? Ujist\u011bte se, \u017ee pln\u011bn\u00ed dostanete i v p\u0159\u00edpad\u011b, \u017ee v\u00e1m jeden z nich ukousne ruku.\u00a0<\/span><\/p>\n<h1><b>Zm\u011bny v \u017eivot\u011b i v pojistce<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h1>\n<p><span style=\"font-weight: 400;\">Nejlep\u0161\u00ed poji\u0161t\u011bn\u00ed je takov\u00e9, kter\u00e9 se m\u011bn\u00ed tak, jak se m\u011bn\u00ed v\u00e1\u0161 \u017eivot. Zde jsou nejz\u00e1sadn\u011bj\u0161\u00ed \u017eivotn\u00ed ud\u00e1losti, p\u0159i kter\u00fdch byste zm\u011bnu poji\u0161t\u011bn\u00ed m\u011bli zv\u00e1\u017eit:<\/span><\/p>\n<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4803 size-large\" src=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/11\/zmena-pojistky-1024x587.png\" alt=\"zm\u011bna pojistky, nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed\" width=\"1024\" height=\"587\" srcset=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/11\/zmena-pojistky.png 1024w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/11\/zmena-pojistky-300x172.png 300w, https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-content\/uploads\/2021\/11\/zmena-pojistky-768x440.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n<p><span style=\"font-weight: 400;\"><br \/>\nA te\u010f je u\u017e konec v\u0161em v\u00fdmluv\u00e1m a prokrastinaci. Te\u010f u\u017e v\u00edte, jak na to. Pokud v\u00e1m z\u00e1le\u017e\u00ed na va\u0161ich bl\u00edzk\u00fdch a jejich budoucnosti, pojist\u011bte se. A nebojte se, \u017ee ud\u011bl\u00e1te chybu. Va\u0161e pojistka nebude vytesaan\u00e1 do kamene. Kdykoli ji m\u016f\u017eete upravit, doplnit nebo p\u0159izp\u016fsobit. Va\u0161i bl\u00edzc\u00ed to ur\u010dit\u011b ocen\u00ed, ale hlavn\u011b: budete m\u00edt hotovo, \u00fakol spln\u011bn a m\u016f\u017eete si u\u017e\u00edvat ten klid v du\u0161i.<\/span><\/p>\n<hr \/>\n<p><em><strong>R\u00e1di byste se je\u0161t\u011b na n\u011bco doptali? Nebo si u\u017e u\u017e chcete sjednat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, ale nejste si jist\u00ed n\u011bkter\u00fdm krokem v procesu? Bez obav se obra\u0165te na na\u0161e specialisty z\u00e1kaznick\u00e9 p\u00e9\u010de. Se v\u0161\u00edm v\u00e1m porad\u00ed \u2013 od toho jsou tady.<\/strong><\/em><\/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>V tomhle \u010dl\u00e1nku se nedozv\u00edte, co je nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed na trhu. Ale porad\u00edme v\u00e1m, jak vyhodnotit, kter\u00e9 poji\u0161t\u011bn\u00ed je nejlep\u0161\u00ed pr\u00e1v\u011b pro v\u00e1s. Jak si vybrat poji\u0161\u0165ovnu, co v\u0161echno si pojistit a pro\u010d byste se na to nem\u011bli vyka\u0161lat? Zn\u00e1te ten pocit, kdy dob\u0159e v\u00edte, \u017ee byste m\u011bli m\u00edt \u017eivotko, ale st\u00e1le ho je\u0161t\u011b  &#8230;<\/p>\n","protected":false},"author":49,"featured_media":4809,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[60,352,475,216],"class_list":["post-4780","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-pojisteni-invalidity","tag-pojisteni-pracovni-neschopnosti","tag-pojisteni-smrti","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4780","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=4780"}],"version-history":[{"count":27,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4780\/revisions"}],"predecessor-version":[{"id":5510,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4780\/revisions\/5510"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/4809"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=4780"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=4780"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=4780"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}