{"id":5045,"date":"2022-04-27T09:53:41","date_gmt":"2022-04-27T07:53:41","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5045"},"modified":"2025-10-09T07:57:27","modified_gmt":"2025-10-09T05:57:27","slug":"cestovni-pojisteni-nebo-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2022\/04\/27\/cestovni-pojisteni-nebo-zivotni-pojisteni\/","title":{"rendered":"Celoro\u010dn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed, nebo \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? Nejlep\u0161\u00ed je m\u00edt oboje"},"content":{"rendered":"

Hodn\u011b lid\u00ed si plat\u00ed bu\u010f jedno, nebo druh\u00e9. Ale \u017eivotn\u00ed a cestovn\u00ed poji\u0161t\u011bn\u00ed nejsou soupe\u0159i. Naopak se skv\u011ble dopl\u0148uj\u00ed. Jak\u00e9 jsou jejich v\u00fdhody i nev\u00fdhody? A jak si (nejen celoro\u010dn\u00ed) cestovn\u00ed poji\u0161t\u011bn\u00ed sjednat co nejl\u00e9pe?<\/b><\/p>\n

Tohle dynamick\u00e9 duo nen\u00ed radno podce\u0148ovat. Pro\u010d? Tohle je kr\u00e1tk\u00e1 verze: <\/span>Zat\u00edmco \u201ecestovko\u201c v\u00e1s kryje na cest\u00e1ch, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m pom\u016f\u017ee zvl\u00e1dnout dlouhodob\u00e9 n\u00e1sledky nemoc\u00ed a \u00faraz\u016f. <\/b>Ale m\u00e1me i del\u0161\u00ed vysv\u011btlen\u00ed. \u010ct\u011bte d\u00e1l.<\/span><\/p>\n

Pro\u010d m\u00edt cestovn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n

V zahrani\u010d\u00ed v\u00e1m v\u011bt\u0161inou neplat\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 m\u00e1te doma <\/span>(krom\u011b z\u00e1kladn\u00edch n\u00e1klad\u016f na l\u00e9\u010dbu v EU a n\u011bkolika dal\u0161\u00edch evropsk\u00fdch zem\u00edch). <\/span>Tak\u017ee kdy\u017e se n\u011bco stane, mus\u00edte ne\u010dekan\u00e9 \u2013 a \u010dasto nemal\u00e9 \u2013 v\u00fddaje hradit ze sv\u00e9ho. Proto je tu cestovn\u00ed poji\u0161t\u011bn\u00ed do zahrani\u010d\u00ed, kter\u00e9 v\u00e1m p\u0159\u00edpadn\u00e9 n\u00e1klady zp\u011btn\u011b pokryje. Sjedn\u00e1te si ho snadno u kter\u00e9koli poji\u0161\u0165ovny, banky tak\u00e9 \u010dasto nab\u00edzej\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed k platebn\u00ed kart\u011b.<\/span><\/p>\n

Rozhodn\u011b to stoj\u00ed za to. Jen\u017ee na dovolen\u00e9 v zahrani\u010d\u00ed str\u00e1v\u00ed b\u011b\u017en\u00fd \u010cech n\u011bjak\u00e9 dva t\u00fddny do roka. Dal\u0161\u00edch pades\u00e1t t\u00fddn\u016f je v \u010cesku. A kdy\u017e odpo\u010d\u00edt\u00e1me specifick\u00e9 faktory (jako je t\u0159eba v\u011bt\u0161\u00ed sportovn\u00ed aktivita na dovolen\u00e9), znamen\u00e1 to 25\u00d7 vy\u0161\u0161\u00ed riziko, \u017ee se \u010dlov\u011bku n\u011bco stane doma ne\u017e v zahrani\u010d\u00ed.<\/span><\/p>\n

\n

I doma je tedy dobr\u00e9 se chr\u00e1nit. P\u0159esto se mnoho lid\u00ed p\u0159ed dovolenou pojist\u00ed bez mrknut\u00ed oka, ale pro ka\u017edodenn\u00ed \u017eivot \u017e\u00e1dn\u00e9 poji\u0161t\u011bn\u00ed nemaj\u00ed. Poj\u010fte to zm\u011bnit. \u017divotn\u00ed poji\u0161t\u011bn\u00ed Mutumutu v\u00e1s bude kr\u00fdt p\u0159i nemoci, \u00farazu a tak\u00e9 kdy\u017e dojde na nejhor\u0161\u00ed.<\/span><\/i><\/p>\n

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

Vyplat\u00ed se v\u00e1m celoro\u010dn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed?<\/h2>\n

Pokud za hranice cestujete \u010dast\u011bji, ur\u010dit\u011b se v\u00e1m vyplat\u00ed poji\u0161t\u011bn\u00ed na rok. Nebudete na n\u011bj muset p\u0159ed ka\u017edou cestou znovu myslet ani sjedn\u00e1vat X pojistn\u00fdch smluv ro\u010dn\u011b. Ale pozor. I tady plat\u00ed limity pro dobu, po kterou jste kryti \u2013 nen\u00ed to automaticky jeden rok. Aby ro\u010dn\u00ed poji\u0161t\u011bn\u00ed platilo, mus\u00edte se do \u010ceska vr\u00e1tit po uplynut\u00ed pojistn\u00e9 doby.<\/strong><\/span><\/p>\n

Tak nap\u0159\u00edklad Komer\u010dn\u00ed poji\u0161\u0165ovna v\u00e1m pojist\u00ed dlouhodob\u00e9 pobyty v maxim\u00e1ln\u00ed d\u00e9lce 90 dn\u00ed. Pokud byste se t\u0159eba vydali na dr\u00e1hu digit\u00e1ln\u00edho nom\u00e1da a cht\u011bli v zahrani\u010d\u00ed z\u016fstat je\u0161t\u011b \u010dtvrt roku, mus\u00edte se mezit\u00edm do \u010ceska vr\u00e1tit. A m\u00edt o tom i n\u011bjak\u00fd d\u016fkaz \u2013 t\u0159eba j\u00edzdenku, letenku nebo jin\u00fd d\u016fkaz o va\u0161em n\u00e1vratu do \u010cR. (Budete ho sice p\u0159edkl\u00e1dat jen v p\u0159\u00edpad\u011b, \u017ee dojde na pojistnou ud\u00e1lost, ale ur\u010dit\u011b ho m\u011bjte.)<\/span><\/p>\n

Cestovko nekryje jen p\u0159i \u00farazech<\/h2>\n

Pom\u016f\u017ee i p\u0159i n\u00e1hl\u00e9m onemocn\u011bn\u00ed, ale tak\u00e9 p\u0159i p\u0159eprav\u011b do nemocnice nebo zp\u00e1tky do \u010ceska. A dokonce i v situac\u00edch, jako je ztr\u00e1ta nebo kr\u00e1de\u017e zavazadel, hotovosti, doklad\u016f a podobn\u011b. Na trhu jsou tak\u00e9 speci\u00e1ln\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed pro t\u011bhotn\u00e9, pro p\u0159\u00edpad, \u017ee v\u00e1s na cest\u00e1ch dostihne covid-19, nebo t\u0159eba pro cestov\u00e1n\u00ed autem.<\/span><\/p>\n

\"cestov\u00e1n\u00ed,
A\u0165 u\u017e cestujete kamkoli a v jak\u00e9mkoli slo\u017een\u00ed, cestovn\u00ed poji\u0161t\u011bn\u00ed pot\u0159ebujete. Foto: Josh Willink \/ Pexels<\/figcaption><\/figure>\n

Ale \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se v\u00e1m taky vyplat\u00ed<\/h2>\n

<\/b>V zahrani\u010d\u00ed v\u00e1s m\u016f\u017ee v\u00edc \u201efinan\u010dn\u011b zabolet\u201c pr\u00e1v\u011b to, \u017ee v\u00e1s okradou nebo ztrat\u00edte kufr. N\u00e1sledky \u00faraz\u016f a nemoc\u00ed v\u00e1s naopak budou v\u00edc bolet po n\u00e1vratu, hlavn\u011b kdy\u017e budete muset z\u016fstat na nemocensk\u00e9 a p\u0159ijdete o p\u0159\u00edjem nebo jeho \u010d\u00e1st. Tak\u017ee nebudete m\u00edt na zaplacen\u00ed nezbytn\u00fdch v\u00fddaj\u016f.<\/span><\/p>\n

V tu chv\u00edli p\u0159ich\u00e1z\u00ed na \u0159adu \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>, a to zejm\u00e9na kdy\u017e budete poji\u0161t\u011bni na to nejd\u016fle\u017eit\u011bj\u0161\u00ed: pracovn\u00ed neschopnost<\/a>, invaliditu<\/a> a smrt<\/a>. O tom, jak si cel\u00e9 poji\u0161t\u011bn\u00ed spr\u00e1vn\u011b nastavit, jsme psali <\/span>v jednom z p\u0159edchoz\u00edch \u010dl\u00e1nk\u016f<\/span><\/a>.<\/span><\/p>\n

Jednodu\u0161e: cestovn\u00ed a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se skv\u011ble dopl\u0148uj\u00ed<\/strong>. Sice budete pr\u016fb\u011b\u017en\u011b platit v\u00edc, ale kdy\u017e se n\u011bco stane, budete finan\u010dn\u011b v pohod\u011b. A i kdy\u017e to nejsou rivalov\u00e9, poj\u010fme si je\u0161t\u011b shrnout v\u00fdhody a nev\u00fdhody obou.<\/span><\/p>\n

V\u00fdhody cestovn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n

\"\u25aa\ufe0f\"Je levn\u011bj\u0161\u00ed (proto\u017ee je na krat\u0161\u00ed dobu a m\u00e9n\u011b situac\u00ed)<\/span><\/p>\n

\"\u25aa\ufe0f\"Snadno si ho dnes sjedn\u00e1te online<\/span><\/p>\n

\"\u25aa\ufe0f\"Kryje \u00farazy, nemoci, ale i dal\u0161\u00ed ne\u010dekan\u00e9 v\u00fddaje<\/span><\/p>\n

\"\u25aa\ufe0f\"Asistence v\u00e1m p\u0159i nehod\u00e1ch a jin\u00fdch nep\u0159\u00edjemnostech porad\u00ed, jak postupovat<\/span><\/p>\n

V\u00fdhody \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n

\"\u25aa\ufe0f\"Kryje v\u00e1s po cel\u00e9m sv\u011bt\u011b<\/span><\/p>\n

\"\u25aa\ufe0f\"Chr\u00e1n\u00ed v\u00e1s roky, \u010dasto i cel\u00fd \u017eivot<\/span><\/p>\n

\"\u25aa\ufe0f\"Pojistn\u00e1 \u010d\u00e1stka pokryje i dlouhodob\u00fd v\u00fdpadek p\u0159\u00edjmu, pom\u016f\u017ee splatit \u00fav\u011br i <\/span>hypot\u00e9ku<\/span><\/a>\n

\"\u25aa\ufe0f\"M\u016f\u017eete ho kdykoli zm\u011bnit (podle aktu\u00e1ln\u00ed \u017eivotn\u00ed situace)<\/span><\/p>\n

\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed Mutumutu si nav\u00edc tak\u00e9 snadno sjedn\u00e1te online. A plat\u00ed od dal\u0161\u00edho dne po zaplacen\u00ed.<\/span><\/i><\/p>\n

Na kolik v\u00e1s to vyjde?<\/a><\/div><\/span><\/a><\/p>\n
\n

Nev\u00fdhody cestovn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n

\"\u25aa\ufe0f\"\u00a0Mus\u00edte si ho znovu sjednat p\u0159ed ka\u017edou cestou (pokud nen\u00ed celoro\u010dn\u00ed)<\/span><\/p>\n

\"\u25aa\ufe0f\"\u00a0Po vycestov\u00e1n\u00ed ho nem\u016f\u017eete zm\u011bnit<\/span><\/p>\n

\"\u25aa\ufe0f\"\u00a0Jste poji\u0161t\u011bni a\u017e od chv\u00edle, kdy p\u0159ekro\u010d\u00edte hranice<\/span><\/p>\n

\"\u25aa\ufe0f\"\u00a0N\u00e1klady mus\u00edte zaplatit ze sv\u00e9ho, a\u017e potom v\u00e1m je poji\u0161\u0165ovna proplat\u00ed<\/span><\/p>\n

\"\u25aa\ufe0f\"\u00a0Kryje v\u00e1s jen v konkr\u00e9tn\u00edch destinac\u00edch<\/span><\/p>\n

Nev\u00fdhody \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n

\"\u25aa\ufe0f\"\u00a0Je dra\u017e\u0161\u00ed (ale ve v\u00fdsledku se vyplat\u00ed)<\/span><\/p>\n

\"\u25aa\ufe0f\"\u00a0Kryje jen nemoci, \u00farazy a jejich n\u00e1sledky (tak\u017ee nap\u0159\u00edklad ne ztr\u00e1tu zavazadel)<\/span><\/p>\n

\"\u25aa\ufe0f\"\u00a0Pokud jste velmi rizikov\u00ed, poji\u0161\u0165ovna v\u00e1s m\u016f\u017ee odm\u00edtnout pojistit<\/span><\/p>\n

Rada na z\u00e1v\u011br<\/h2>\n

Ka\u017ed\u00fd, kdo r\u00e1d cestuje, by si m\u011bl sjednat cestovn\u00ed poji\u0161t\u011bn\u00ed. A ka\u017ed\u00fd, kdo m\u00e1 r\u00e1d \u017eivot, by si m\u011bl sjednat poji\u0161t\u011bn\u00ed \u017eivotn\u00ed. \ud83d\ude09<\/span><\/p>\n

\n

Kam za cestovn\u00edm poji\u0161t\u011bn\u00edm? Mrkn\u011bte t\u0159eba k na\u0161emu partnerovi <\/i><\/b>Twisto<\/i><\/b><\/a>. V r\u00e1mci tarifu Premium u n\u011bj budete m\u00edt cestovko po cel\u00fd rok zdarma. Pro celou rodinu. Kdy\u017e chcete b\u00fdt poji\u0161t\u011bn\u00ed i na sv\u00fdch tuzemsk\u00fdch dovolen\u00fdch, m\u016f\u017eete se pojistit u <\/i><\/b>Komer\u010dn\u00ed poji\u0161\u0165ovny.<\/i><\/b><\/a> A abyste byli chr\u00e1n\u011bni i doma, je tady \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Mutumutu.<\/i><\/b><\/p>\n

Co si pojistit?<\/a><\/div><\/span><\/a>\n","protected":false},"excerpt":{"rendered":"

Hodn\u011b lid\u00ed si plat\u00ed bu\u010f jedno, nebo druh\u00e9. Ale \u017eivotn\u00ed a cestovn\u00ed poji\u0161t\u011bn\u00ed nejsou soupe\u0159i. Naopak se skv\u011ble dopl\u0148uj\u00ed. Jak\u00e9 jsou jejich v\u00fdhody i nev\u00fdhody? A jak si (nejen celoro\u010dn\u00ed) cestovn\u00ed poji\u0161t\u011bn\u00ed sjednat co nejl\u00e9pe? Tohle dynamick\u00e9 duo nen\u00ed radno podce\u0148ovat. Pro\u010d? Tohle je kr\u00e1tk\u00e1 verze: Zat\u00edmco \u201ecestovko\u201c v\u00e1s kryje na cest\u00e1ch, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m …<\/p>\n","protected":false},"author":49,"featured_media":5048,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[480,216],"class_list":["post-5045","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-cestovni-pojisteni","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5045","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=5045"}],"version-history":[{"count":9,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5045\/revisions"}],"predecessor-version":[{"id":5588,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5045\/revisions\/5588"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/5048"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=5045"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=5045"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=5045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}