{"id":5089,"date":"2022-06-14T13:59:48","date_gmt":"2022-06-14T11:59:48","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5089"},"modified":"2025-10-07T08:48:19","modified_gmt":"2025-10-07T06:48:19","slug":"pojisteni-invalidity","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2022\/06\/14\/pojisteni-invalidity\/","title":{"rendered":"Pro\u010d m\u00edt poji\u0161t\u011bn\u00ed invalidity a jak vlastn\u011b invalidita v \u010cesku funguje?"},"content":{"rendered":"

Poji\u0161t\u011bn\u00ed invalidity je sice dra\u017e\u0161\u00ed, ale je to jedna z nejlep\u0161\u00edch v\u011bc\u00ed, co pro sebe m\u016f\u017eete ud\u011blat. A\u0165 u\u017e m\u00e1te hypot\u00e9ku, zakl\u00e1d\u00e1te rodinu, nebo t\u0159eba \u201ejen\u201c d\u011bl\u00e1te na sebe. Ale jak si ho nastavit a jak vlastn\u011b invalidita nebo invalidn\u00ed d\u016fchody funguj\u00ed? Posv\u00edtili jsme si na to.<\/b><\/p>\n

Pro v\u011bt\u0161inu lid\u00ed invalidita automaticky znamen\u00e1 nen\u00e1vratn\u00e9 po\u0161kozen\u00ed t\u011bla po \u00farazu nebo autonehod\u011b. Ale <\/span>\u010d\u00edsla mluv\u00ed jinak<\/span><\/a>. V cel\u00fdch 96 % p\u0159\u00edpad\u016f je p\u0159\u00ed\u010dinou invalidity nemoc. Nej\u010dast\u011bji potom jde o nemoci sval\u016f a kost\u00ed (27 %) nebo du\u0161evn\u00ed choroby (25 %). N\u00e1sleduj\u00ed onemocn\u011bn\u00ed nervov\u00e9 soustavy (9 %) a r\u016fzn\u00e9 typy rakoviny (8 %).<\/span><\/p>\n

Invalidita nen\u00ed \u201ejen pro star\u00fd\u201c<\/h2>\n

Mo\u017en\u00e1 m\u00e1te pocit, \u017ee to v\u0161echno p\u0159ijde a\u017e za dlouho a \u017ee se zat\u00edm potenci\u00e1ln\u00ed invaliditou nemus\u00edte tr\u00e1pit. Jenom\u017ee nemoci ne\u010dekaj\u00ed na to, a\u017e budete m\u00edt v\u00edc sv\u00ed\u010dek na dortu. \u010cech\u016fm, kte\u0159\u00ed pob\u00edraj\u00ed invalidn\u00ed d\u016fchod, je podle \u010cSSZ v pr\u016fm\u011bru 49 let. A cel\u00fdch 17 % v\u0161ech invalidn\u00edch d\u016fchod\u016f pob\u00edraj\u00ed lid\u00e9, kter\u00fdm je\u0161t\u011b nebylo ani \u010dty\u0159icet.<\/span><\/p>\n

Krom\u011b toho se invalidita nevyskytuje tak z\u0159\u00eddka, jak si mo\u017en\u00e1 mysl\u00edte. Ka\u017edoro\u010dn\u00ed <\/span>statistiky uv\u00e1d\u011bj\u00ed<\/span><\/a>, \u017ee u n\u00e1s invalidn\u00ed d\u016fchod pob\u00edr\u00e1 minim\u00e1ln\u011b 400 tis\u00edc lid\u00ed. To je v\u00edc ne\u017e 6 % lid\u00ed v produktivn\u00edm v\u011bku. Tak\u017ee \u010d\u00edm kvalitn\u011bji \u2013 a \u010d\u00edm d\u0159\u00edve \u2013 si sjedn\u00e1te <\/span>poji\u0161t\u011bn\u00ed invalidity<\/span><\/a>, t\u00edm l\u00edp. Ale o tom je\u0161t\u011b d\u00e1l. Nejd\u0159\u00edv mal\u00fd \u00favod do problematiky.<\/span><\/p>\n

Co je vlastn\u011b invalidita a jak\u00e9 jsou stupn\u011b invalidity?<\/h2>\n

Invalidita p\u0159edstavuje stav, kdy kv\u016fli nemoci nebo \u00farazu nem\u016f\u017eete pracovat a vyd\u011bl\u00e1vat pen\u00edze jako doposud, a tedy ani obstarat sebe a rodinu. St\u00e1t rozli\u0161uje t\u0159i stupn\u011b invalidity \u2013 jin\u00fdmi slovy t\u0159i stupn\u011b toho, jak moc je omezen\u00e1 va\u0161e schopnost pracovat a vyd\u011bl\u00e1vat.<\/span><\/p>\n\n\n\n\n\n\n
Stupe\u0148 invalidity<\/strong><\/td>\nPokles pracovn\u00ed schopnosti o\u2026<\/strong><\/td>\n<\/tr>\n
1.<\/span><\/td>\n35 a\u017e 49 %<\/span><\/td>\n<\/tr>\n
2.<\/span><\/td>\n50 a\u017e 69 %<\/span><\/td>\n<\/tr>\n
3.<\/span><\/td>\n70 a\u017e 100 %<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

A jak se stupe\u0148 invalidity po\u010d\u00edt\u00e1? Sta\u010dilo by nap\u0159\u00edklad ud\u011blat v\u00fd\u010det nemoc\u00ed a \u00faraz\u016f, ve kter\u00e9m by se ka\u017ed\u00fd na\u0161el? No, tak jednoduch\u00e9 to nen\u00ed. Jde o to, nakolik se sn\u00ed\u017eila va\u0161e schopnost pracovat ve va\u0161em specifick\u00e9m p\u0159\u00edpad\u011b. Posuzuje to spr\u00e1va soci\u00e1ln\u00edho zabezpe\u010den\u00ed a bere p\u0159itom v potaz nejen v\u00e1\u0161 aktu\u00e1ln\u00ed fyzick\u00fd stav, ale v n\u011bkter\u00fdch p\u0159\u00edpadech i to, jak se s n\u00edm s\u017e\u00edv\u00e1te.<\/span><\/p>\n

Velkou roli hraje povol\u00e1n\u00ed. Zat\u00edmco u\u010ditel angli\u010dtiny s amputovanou rukou m\u016f\u017ee nad\u00e1le bez v\u011bt\u0161\u00edch pot\u00ed\u017e\u00ed u\u010dit, \u0159idi\u010d autobusu se jen st\u011b\u017e\u00ed vr\u00e1t\u00ed za volant. D\u00e1le rozhoduje i va\u0161e vzd\u011bl\u00e1n\u00ed a kvalifikace \u2013 \u010dili jak\u00e9 dal\u0161\u00ed mo\u017enosti m\u00e1te pro uplatn\u011bn\u00ed na pracovn\u00edm trhu. I podle toho se soci\u00e1lka rozhoduje, kter\u00fd stupe\u0148 invalidity a jak\u00fd invalidn\u00ed d\u016fchod v\u00e1m p\u0159id\u011bl\u00ed. Nej\u010dast\u011bji to b\u00fdv\u00e1 1. stupe\u0148 (42 %), nejm\u00e9n\u011b \u010dasto 2. stupe\u0148 (18 %). T\u0159et\u00ed stupe\u0148 tvo\u0159\u00ed 40 % p\u0159\u00edpad\u016f.<\/span><\/p>\n

Invalidita se m\u016f\u017ee v \u010dase m\u011bnit\u00a0<\/span><\/h2>\n

Posuzuje se tak\u00e9 p\u0159edpokl\u00e1dan\u00fd v\u00fdvoj va\u0161eho zdravotn\u00edho stavu do budoucna. Nap\u0159\u00edklad kdy\u017e si kutil p\u0159i \u0159ez\u00e1n\u00ed nedobrovoln\u011b amputuje dva prsty, je z\u0159ejm\u00e9, \u017ee u\u017e nedorostou. Ale kdyby se l\u00e9\u010dil s rakovinou, je v\u017edycky \u0161ance, \u017ee se uzdrav\u00ed. Podle toho pak soci\u00e1lka stanov\u00ed lh\u016ftu pro p\u0159ezkoum\u00e1n\u00ed zdravotn\u00edho stavu. V\u00e1\u0161 stupe\u0148 invalidity se po p\u0159ezkoum\u00e1n\u00ed m\u016f\u017ee zm\u011bnit. D\u011bje se to docela \u010dasto. <\/span>Podle dat od \u010cSSZ<\/span><\/a> jde v 58 % p\u0159\u00edpad\u016f o nav\u00fd\u0161en\u00ed; stupe\u0148 se sn\u00ed\u017e\u00ed ve 35 % p\u0159\u00edpad\u016f a odebr\u00e1n\u00ed invalidity se do\u010dk\u00e1 jen 7 % lid\u00ed.<\/span><\/p>\n

Poji\u0161t\u011bn\u00ed invalidity v\u00e1s na nep\u0159\u00edze\u0148 osudu p\u0159iprav\u00ed<\/h2>\n

Cynik by \u0159ekl, \u017ee v\u010dasnou prevenc\u00ed a zdrav\u00fdm \u017eivotn\u00edm stylem. Co\u017e o to \u2013 je opravdu prok\u00e1z\u00e1no, \u017ee kdy\u017e \u017eijete zdrav\u011b, sni\u017eujete riziko spousty onemocn\u011bn\u00ed i p\u0159ed\u010dasn\u00e9 smrti. Proto taky <\/span>za zdrav\u00fd \u017eivotn\u00ed styl odm\u011b\u0148ujeme<\/span><\/a>. Jen\u017ee ne v\u0161echno m\u016f\u017eete ovlivnit a o\u0161et\u0159it. A proto\u017ee v\u00edme, \u017ee ne\u0161t\u011bst\u00ed nechod\u00ed po hor\u00e1ch, ale po lidech, v\u017edy klient\u016fm doporu\u010dujeme, aby invaliditu nebrali na lehkou v\u00e1hu a aspo\u0148 zm\u00edrnili jej\u00ed finan\u010dn\u00ed dopady. Jak? T\u00edm, \u017ee si v\u010das sjednaj\u00ed poji\u0161t\u011bn\u00ed invalidity.<\/span><\/p>\n

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Tak \u010di tak, prevenc\u00ed nic nezkaz\u00edte. A nav\u00edc si d\u00edky n\u00ed m\u016f\u017eete zlevnit poji\u0161t\u011bn\u00ed. Mutumutu klient\u016fm vrac\u00ed a\u017e 20 % za pravideln\u00fd pohyb, dal\u0161\u00edch 5 % za preventivn\u00ed prohl\u00eddky u doktora a je\u0161t\u011b 5 % za to, \u017ee nekou\u0159\u00ed.<\/span><\/i><\/p>\n

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Pro\u010d m\u00edt invaliditu poji\u0161t\u011bnou?<\/h2>\n

P\u0159izn\u00e1n\u00ed n\u011bkter\u00e9ho ze t\u0159\u00ed stup\u0148\u016f invalidity je\u0161t\u011b automaticky neznamen\u00e1, \u017ee v\u00e1m bude p\u0159izn\u00e1n i invalidn\u00ed d\u016fchod. K tomu mus\u00edte splnit dal\u0161\u00ed podm\u00ednky. P\u0159edev\u0161\u00edm p\u0159isp\u00edvat po stanovenou minim\u00e1ln\u00ed dobu do spole\u010dn\u00e9 kasi\u010dky, ze kter\u00e9 se d\u016fchody vypl\u00e1cej\u00ed. \u00da\u0159ady to naz\u00fdvaj\u00ed \u201e\u00fa\u010dast na d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed\u201c.<\/span><\/p>\n

V\u00fd\u0161i d\u016fchodu pak ovliv\u0148uje nejen p\u0159iznan\u00fd stupe\u0148 invalidity a doba, po kterou jste do kasi\u010dky p\u0159isp\u00edvali, ale tak\u00e9 v\u00e1\u0161 p\u0159\u00edjem, doba, kterou jste odpracovali, a je\u0161t\u011b dopo\u010dten\u00e1 doba. To je po\u010det let od p\u0159izn\u00e1n\u00ed invalidity do chv\u00edle, kdy p\u016fjdete do d\u016fchodu. V\u00fdpo\u010det invalidn\u00edho d\u016fchodu nen\u00ed snadn\u00e1 rovnice, proto si m\u016f\u017eete spo\u010d\u00edtat invalidn\u00ed d\u016fchod na n\u011bkter\u00e9 z <\/span>kalkula\u010dek na internetu<\/span><\/a>.<\/span><\/p>\n

Co v\u0161ak v\u00edme jist\u011b: pro b\u011b\u017en\u00e9ho smrteln\u00edka s b\u011b\u017en\u00fdm platem nebude invalidn\u00ed d\u016fchod nikdy stejn\u00fd jako jeho p\u016fvodn\u00ed p\u0159\u00edjem, o kter\u00fd kv\u016fli invalidit\u011b p\u0159i\u0161el. Pr\u00e1v\u011b s pomoc\u00ed poji\u0161t\u011bn\u00ed invalidity tento rozd\u00edl snadno vyrovn\u00e1te.<\/span><\/p>\n

Pr\u016fm\u011brn\u00fd m\u011bs\u00ed\u010dn\u00ed invalidn\u00ed d\u016fchod v r. 2021<\/h1>\n\n\n\n\n\n\n
<\/td>\nMu\u017ei<\/strong><\/td>\n\u017deny<\/strong><\/td>\n<\/tr>\n
3. stupe\u0148 invalidity<\/strong><\/td>\n13 778 K\u010d<\/td>\n13 000 K\u010d<\/td>\n<\/tr>\n
2. stupe\u0148\u00a0<\/strong><\/strong>invalidity<\/strong><\/td>\n9 259 K\u010d<\/span><\/td>\n8 638 K\u010d<\/span><\/td>\n<\/tr>\n
1. stupe\u0148\u00a0<\/strong><\/strong>invalidity<\/strong><\/td>\n7 946 K\u010d<\/span><\/td>\n7 392 K\u010d<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Zdroj:\u00a0\u010cSSZ<\/a><\/h3>\n

Jak si invaliditu spr\u00e1vn\u011b pojistit?<\/h2>\n

Poji\u0161t\u011bn\u00ed invalidity doporu\u010dujeme drtiv\u00e9 v\u011bt\u0161in\u011b na\u0161ich klient\u016f. Jestli pochybujete o tom, \u017ee ho pot\u0159ebujete, zjist\u011bte v\u00edc v na\u0161em \u010dl\u00e1nku o tom, <\/span>jak vybrat nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/span><\/a>. Bez nads\u00e1zky m\u016f\u017eeme \u0159\u00edct, \u017ee invalidita je nejdramati\u010dt\u011bj\u0161\u00ed z\u00e1sah do \u017eivota jedince, ale i cel\u00e9 jeho rodiny. A m\u016f\u017ee se st\u00e1t, \u017ee ho poc\u00edt\u00ed doslova ze dne na den. Vzpom\u00edn\u00e1te na <\/span>p\u0159\u00edb\u011bh na\u0161\u00ed klientky Marie<\/span><\/a>? Nov\u00e9 situaci mus\u00ed rodina ka\u017edop\u00e1dn\u011b p\u0159izp\u016fsobit sv\u016fj re\u017eim i priority, ale nejv\u011bt\u0161\u00ed dopad poc\u00edt\u00ed ve finan\u010dn\u00edm rozpo\u010dtu. \u010c\u00edm vy\u0161\u0161\u00ed p\u0159\u00edjem m\u00e1te, t\u00edm v\u011bt\u0161\u00ed propad v\u00e1m hroz\u00ed.\u00a0<\/span><\/p>\n

Ide\u00e1ln\u00ed poji\u0161t\u011bn\u00ed invalidity<\/h2>\n

Na \u010desk\u00e9m trhu si m\u016f\u017eete invaliditu pojistit t\u0159emi r\u016fzn\u00fdmi zp\u016fsoby:<\/span><\/p>\n

\ud83d\udc49 M\u011bs\u00ed\u010dn\u00ed rentou<\/b>. Ka\u017ed\u00fd m\u011bs\u00edc budete dost\u00e1vat \u010d\u00e1stku, kterou jste si p\u0159i sjedn\u00e1n\u00ed zvolili. Ta dorovn\u00e1 rozd\u00edl mezi invalidn\u00edm d\u016fchodem a va\u0161\u00edm p\u016fvodn\u00edm p\u0159\u00edjmem.<\/span><\/span><\/p>\n

\ud83d\udc49 Konstantn\u00ed \u010d\u00e1stkou<\/b>. Na za\u010d\u00e1tku si zvol\u00edte ur\u010ditou sumu, a kdy\u017e v\u00e1m soci\u00e1lka odklepne invaliditu, poji\u0161\u0165ovna v\u00e1m pen\u00edze jednor\u00e1zov\u011b vyplat\u00ed. M\u016f\u017eete je pou\u017e\u00edt na pokryt\u00ed po\u010d\u00e1te\u010dn\u00edch n\u00e1klad\u016f souvisej\u00edc\u00edch s invaliditou, jako je nadstandardn\u00ed l\u00e9\u010dba, rehabilitace, \u00fapravy bydlen\u00ed, n\u00e1kup zdravotn\u00edch pom\u016fcek nebo asistence.<\/span><\/span><\/p>\n

\ud83d\udc49 Klesaj\u00edc\u00ed \u010d\u00e1stkou<\/b>. Tohle poji\u0161t\u011bn\u00ed oby\u010dejn\u011b slou\u017e\u00ed k pokryt\u00ed \u00fav\u011br\u016f a <\/span>hypot\u00e9ky<\/span><\/a>. \u010casem v\u00fd\u0161e pojistn\u00e9 \u010d\u00e1stky kles\u00e1 \u2013 podobn\u011b jako v\u00e1\u0161 dluh. Tak\u017ee budete m\u00edt v\u017edy tak akor\u00e1t na splacen\u00ed. A t\u00edm, \u017ee sv\u00e9 dluhy splat\u00edte, sn\u00ed\u017e\u00edte pravideln\u00e9 v\u00fddaje rodiny a bude pro v\u00e1s snaz\u0161\u00ed vyj\u00edt jen s invalidn\u00edm d\u016fchodem.<\/span><\/p>\n

\u00dapln\u011b nejlep\u0161\u00ed je v\u0161ak kombinace v\u0161ech t\u0159\u00ed. Poji\u0161t\u011bn\u00ed s klesaj\u00edc\u00ed \u010d\u00e1stkou za v\u00e1s splat\u00ed hypot\u00e9ku nebo \u00fav\u011br. Konstantn\u00ed \u010d\u00e1stkou pokryjete po\u010d\u00e1te\u010dn\u00ed n\u00e1klady a m\u011bs\u00ed\u010dn\u00ed rentou vykryjete chyb\u011bj\u00edc\u00ed p\u0159\u00edjem rodiny.<\/span><\/p>\n

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Zaj\u00edm\u00e1 v\u00e1s, na kolik by poji\u0161t\u011bn\u00ed invalidity vy\u0161lo pr\u00e1v\u011b v\u00e1s? Vyzkou\u0161ejte si to v na\u0161\u00ed kalkula\u010dce.<\/span><\/i><\/p>\n

Spo\u010d\u00edtat pojistn\u00e9<\/a><\/div><\/span><\/a><\/p>\n
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Levn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed invalidity nemus\u00ed b\u00fdt v\u017edy to prav\u00e9 o\u0159echov\u00e9<\/h2>\n

<\/b>Poji\u0161t\u011bn\u00ed invalidity nen\u00ed lacin\u00e1 z\u00e1le\u017eitost. Proto kdy\u017e naraz\u00edte na podivn\u011b levn\u00e9 poji\u0161t\u011bn\u00ed invalidity, zkontrolujte si rad\u011bji pojistnou smlouvu. Pravd\u011bpodobn\u011b bude kr\u00fdt jenom invaliditu n\u00e1sledkem \u00farazu. A jak u\u017e v\u00edme, to se t\u00fdk\u00e1 jen 4 % p\u0159\u00edpad\u016f. Proto doporu\u010dujeme m\u00edt poji\u0161t\u011bnou invaliditu z jak\u00e9koli p\u0159\u00ed\u010diny \u2013 to znamen\u00e1 kv\u016fli \u00farazu i nemoci.<\/span><\/p>\n

V\u00fdluky z poji\u0161t\u011bn\u00ed invalidity<\/h2>\n

<\/b>Kdy\u017e u\u017e m\u00e1te poji\u0161t\u011bn\u00e9 nemoci, zkontrolujte, \u017ee poji\u0161t\u011bn\u00ed zahrnuje i ty, kter\u00e9 invaliditu zp\u016fsobuj\u00ed nej\u010dast\u011bji. Tedy nemoci sval\u016f a kost\u00ed i du\u0161evn\u00ed nemoci. Obecn\u011b m\u00edvaj\u00ed poji\u0161\u0165ovny \u010dasto ve v\u00fdluk\u00e1ch pr\u00e1v\u011b psychick\u00e9 choroby a bolesti zad. Tak\u017ee na to pozor. Jestli si nejste jisti, jak to m\u00e1 va\u0161e poji\u0161\u0165ovna, mrkn\u011bte na <\/span>velk\u00e9 srovn\u00e1n\u00ed rizikov\u00fdch \u017eivotn\u00edch poji\u0161t\u011bn\u00ed<\/span><\/a>, kter\u00e9 dal dohromady server Finance.cz.<\/span><\/p>\n

V\u0161echny stupn\u011b, nebo jen jeden?<\/h2>\n

Kdy\u017e se rozhodujete, kter\u00e9 stupn\u011b invalidity poji\u0161t\u011bn\u00edm pokr\u00fdt, zamyslete se nad sv\u00fdm zam\u011bstn\u00e1n\u00edm. M\u016f\u017eete ho v\u00edcem\u00e9n\u011b vykon\u00e1vat i s men\u0161\u00edm posti\u017een\u00edm? V takov\u00e9m p\u0159\u00edpad\u011b doporu\u010dujeme pojistit si jen v\u00e1\u017en\u011bj\u0161\u00ed p\u0159\u00edpady, tak\u017ee 2. a 3. stupe\u0148 invalidity. Pokud ale nem\u00e1te \u017e\u00e1dnou finan\u010dn\u00ed rezervu a\/nebo v\u00edte, \u017ee v\u00e1s i men\u0161\u00ed posti\u017een\u00ed v\u00fdrazn\u011b omez\u00ed v pr\u00e1ci, pojist\u011bte si v\u0161echny t\u0159i stupn\u011b invalidity. Kdy\u017e se n\u011bco stane, ocen\u00edte to.<\/span><\/p>\n

Nejlep\u0161\u00ed doba na poji\u0161t\u011bn\u00ed<\/h2>\n

U\u017e jsme si \u0159ekli, \u017ee invalidita m\u016f\u017ee p\u0159ij\u00edt i v ml\u00e1d\u00ed. Ale s v\u011bkem se zvy\u0161uje pravd\u011bpodobnost v\u00fdskytu nemoc\u00ed, kter\u00e9 mohou invaliditou skon\u010dit. Jak riziko roste, z\u00e1konit\u011b roste i cena pojistn\u00e9ho \u2013 prost\u011b \u010d\u00edm star\u0161\u00ed budete p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed, t\u00edm v\u00edc za n\u011bj zaplat\u00edte. Taky je dobr\u00e9 v\u011bd\u011bt, \u017ee kdy\u017e u\u017e invalidn\u00ed jste, nikdo v\u00e1s na invaliditu nepojist\u00ed. Proto by sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed nem\u011bl nikdo odkl\u00e1dat. Sjednejte si ho nejpozd\u011bji s prvn\u00ed hypot\u00e9kou nebo zalo\u017een\u00edm rodiny.<\/span><\/p>\n

Kolik u Mutumutu zaplat\u00edte m\u011bs\u00ed\u010dn\u011b za poji\u0161t\u011bn\u00ed invalidity, kdy\u017e se pojist\u00edte v:<\/h1>\n\n\n\n\n
25 letech<\/strong><\/td>\n30 letech<\/strong><\/td>\n35 letech<\/strong><\/td>\n40 letech<\/strong><\/td>\n45 letech<\/strong><\/td>\n<\/tr>\n
425 K\u010d<\/span><\/td>\n446 K\u010d<\/span><\/td>\n484 K\u010d<\/span><\/td>\n527 K\u010d<\/span><\/td>\n633 K\u010d<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Cena je za poji\u0161t\u011bn\u00ed invalidity do 65 let s m\u011bs\u00ed\u010dn\u00ed rentou, 3. stupe\u0148 s pojistnou \u010d\u00e1stkou 10 000 K\u010d m\u011bs\u00ed\u010dn\u011b, 2. stupe\u0148 s pojistnou \u010d\u00e1stkou 5 000 K\u010d m\u011bs\u00ed\u010dn\u011b.<\/span><\/h3>\n

Poji\u0161t\u011bn\u00ed invalidity se ned\u00e1 nahradit jin\u00fdm poji\u0161t\u011bn\u00edm<\/h2>\n

Ve snaze sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 by v\u00e1s mohlo napadnout, \u017ee si nam\u00edsto dra\u017e\u0161\u00edho poji\u0161t\u011bn\u00ed invalidity nap\u0159\u00edklad pojist\u00edte trval\u00e9 n\u00e1sledky \u00farazu, od\u0161kodn\u011bn\u00ed \u00farazu nebo si sjedn\u00e1te poji\u0161t\u011bn\u00ed hospitalizace. Tato poji\u0161t\u011bn\u00ed ur\u010dit\u011b stoj\u00ed m\u00ed\u0148, ale rozhodn\u011b v\u00e1m nepom\u016f\u017eou, pokud se stanete invalidn\u00edmi kv\u016fli nemoci.<\/span><\/p>\n

Poji\u0161t\u011bn\u00ed invalidity nenahrad\u00edte ani poji\u0161t\u011bn\u00edm z\u00e1va\u017en\u00fdch nemoc\u00ed. Nepokr\u00fdv\u00e1 toti\u017e v\u0161echno, pen\u00edze dostanete jen za tu \u201espr\u00e1vnou\u201c nemoc \u2013 podle tabulek poji\u0161\u0165ovny. Pro p\u0159\u00edpad, \u017ee budete kv\u016fli v\u00e1\u017en\u00e9 nemoci marodit, je lep\u0161\u00ed m\u00edt poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti. U toho m\u00e1te jistotu, \u017ee pen\u00edze dostanete i za m\u00e9n\u011b z\u00e1va\u017en\u00e9 onemocn\u011bn\u00ed. A kdy\u017e nemoc bude velmi v\u00e1\u017en\u00e1, dostanete zase invalidn\u00ed d\u016fchod a n\u00e1sledn\u011b pen\u00edze z poji\u0161t\u011bn\u00ed invalidity.<\/span><\/p>\n

Jednodu\u0161e: kdy\u017e si dob\u0159e pojist\u00edte invaliditu a pracovn\u00ed neschopnost, budete m\u00edt kryt\u00e1 i z\u00e1va\u017en\u00e1 onemocn\u011bn\u00ed. Ale obr\u00e1cen\u011b to neplat\u00ed.<\/span><\/p>\n

\n

Poji\u0161t\u011bn\u00ed invalidity si m\u016f\u017eete u Mutumutu sjednat jednodu\u0161e online<\/a>, zabere v\u00e1m to jen p\u00e1r minut. A kdybyste p\u0159ece jenom pot\u0159ebovali pomoci s jeho nastaven\u00edm nebo se poradit o spr\u00e1vn\u00e9 kombinaci rizik, obra\u0165te se na na\u0161e specialisty. R\u00e1di v\u00e1s cel\u00fdm procesem provedou.<\/i><\/b><\/p>\n

Zamluvit term\u00edn<\/a><\/div><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Poji\u0161t\u011bn\u00ed invalidity je sice dra\u017e\u0161\u00ed, ale je to jedna z nejlep\u0161\u00edch v\u011bc\u00ed, co pro sebe m\u016f\u017eete ud\u011blat. A\u0165 u\u017e m\u00e1te hypot\u00e9ku, zakl\u00e1d\u00e1te rodinu, nebo t\u0159eba \u201ejen\u201c d\u011bl\u00e1te na sebe. Ale jak si ho nastavit a jak vlastn\u011b invalidita nebo invalidn\u00ed d\u016fchody funguj\u00ed? Posv\u00edtili jsme si na to. Pro v\u011bt\u0161inu lid\u00ed invalidita automaticky znamen\u00e1 nen\u00e1vratn\u00e9 po\u0161kozen\u00ed …<\/p>\n","protected":false},"author":49,"featured_media":5093,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[60,216],"class_list":["post-5089","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-pojisteni-invalidity","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5089","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=5089"}],"version-history":[{"count":21,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5089\/revisions"}],"predecessor-version":[{"id":5581,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5089\/revisions\/5581"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/5093"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=5089"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=5089"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=5089"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}