{"id":5140,"date":"2022-07-08T13:44:24","date_gmt":"2022-07-08T11:44:24","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5140"},"modified":"2025-09-25T19:22:20","modified_gmt":"2025-09-25T17:22:20","slug":"inflace-a-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2022\/07\/08\/inflace-a-zivotni-pojisteni\/","title":{"rendered":"Rostouc\u00ed inflace nen\u00ed d\u016fvod ke zru\u0161en\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. Jen si ho dob\u0159e upravte"},"content":{"rendered":"

Kdy\u017e roste inflace, lidi hledaj\u00ed, jak u\u0161et\u0159it a kter\u00e9 pravideln\u00e9 v\u00fddaje by mohli vy\u0161krtnout. M\u00e1 ale smysl \u0161et\u0159it na poji\u0161t\u011bn\u00ed? Je lep\u0161\u00ed m\u00edt \u00faspory, \u017eivotn\u00ed pojistku, nebo oboje? A jak svoje nebo rodinn\u00e9 p\u0159\u00edjmy m\u016f\u017eete do budoucna nejl\u00e9pe ochr\u00e1nit?<\/b><\/p>\n

U rann\u00ed k\u00e1vy, po cest\u011b do pr\u00e1ce i z pr\u00e1ce, ve\u010der ve zpr\u00e1v\u00e1ch\u2026 Kam se \u010dlov\u011bk pod\u00edv\u00e1, v\u0161ude se mluv\u00ed o inflaci. Proto jsme se rozhodli pod\u00edvat na to, jak inflace souvis\u00ed s va\u0161\u00edm \u017eivotn\u00edm poji\u0161t\u011bn\u00edm<\/a>.<\/span><\/p>\n

Inflace sni\u017euje hodnotu pen\u011bz<\/h2>\n

Hodn\u011b zjednodu\u0161en\u011b m\u016f\u017eeme \u0159\u00edct, \u017ee inflace vyjad\u0159uje, co si za ur\u010ditou \u010d\u00e1stku m\u016f\u017eeme koupit letos a co jsme si za ni mohli koupit loni. Pen\u00edze prost\u011b \u010dasem ztr\u00e1cej\u00ed svou hodnotu \u2013 jak velk\u00fd je propad, lze vid\u011bt l\u00e9pe s v\u011bt\u0161\u00edm \u010dasov\u00fdm odstupem. Uka\u017eme si to na p\u0159\u00edkladu. Zat\u00edmco m\u016fj d\u011bda se zamlada za 5 korun dob\u0159e naob\u011bdval v hospod\u011b, j\u00e1 jsem si jako d\u00edt\u011b za 5 korun mohla koupit p\u00e1rek v rohl\u00edku. A dnes si za p\u011bt korun koup\u00edm jenom ten rohl\u00edk.\u00a0<\/span><\/p>\n

Jak to maj\u00ed \u010ce\u0161i s \u00fasporami\u00a0\ud83d\udcb0<\/h2>\n

<\/b>A\u0165 se n\u00e1m to l\u00edb\u00ed, nebo ne, inflace znehodnocuje i na\u0161e \u00faspory. <\/span>\u010cesk\u00e9 dom\u00e1cnosti je p\u0159itom maj\u00ed dlouhodob\u011b <\/span>pom\u011brn\u011b vysok\u00e9<\/span><\/a> a obecn\u011b pat\u0159\u00edme mezi spo\u0159iv\u011bj\u0161\u00ed n\u00e1rody. Podle <\/span>tiskov\u00e9 zpr\u00e1vy Twista<\/span><\/a> m\u011bla je\u0161t\u011b loni v\u00edce ne\u017e t\u0159etina lid\u00ed na\u0161et\u0159eno p\u0159es 100 000 korun, 5 % v\u00edc ne\u017e milion. Nicm\u00e9n\u011b \u0159ada lid\u00ed, kte\u0159\u00ed si je\u0161t\u011b p\u0159ed rokem odkl\u00e1dali pen\u00edze stranou, si to <\/span>podle odborn\u00edk\u016f<\/span><\/a> u\u017e dnes nem\u016f\u017ee dovolit. Pr\u00e1v\u011b kv\u016fli rostouc\u00ed inflaci.<\/span><\/p>\n

\u0160et\u0159it, nebo se rad\u011bji pojistit?<\/h2>\n

<\/b>Na\u0161i potenci\u00e1ln\u00ed klienti, kte\u0159\u00ed se sjedn\u00e1n\u00edm \u017eivotn\u00edho poji\u0161t\u011bn\u00ed ot\u00e1lej\u00ed, \u010dasto argumentuj\u00ed t\u00edm, \u017ee si rad\u011bji budou \u0161et\u0159it na hor\u0161\u00ed \u010dasy, ne\u017e aby platili za poji\u0161t\u011bn\u00ed. Z\u00e1vid\u00edm lidem takov\u00fd optimismus. I j\u00e1 se v\u017edy sna\u017e\u00edm koukat na sv\u011btl\u00e9 str\u00e1nky \u017eivota, ale pragmaticky mus\u00edm p\u0159ipustit, \u017ee m\u00e1 i ty stinn\u00e9. \ud83e\udd37\u200d\u2640\ufe0f Nemoci a \u00farazy mohou skon\u010dit dlouhodobou pracovn\u00ed neschopnost\u00ed nebo invaliditou, nemluv\u011b o t\u00e9 s kosou, kter\u00e1 \u010d\u00edh\u00e1 za rohem. A nemoc ani zubat\u00e1 nepo\u010dkaj\u00ed na to, a\u017e si naspo\u0159\u00edte.<\/span><\/p>\n

Ale i kdybyste m\u011bli takovou moc \u2013 domluvit se se zubatou nebo odlo\u017eit nep\u0159\u00edze\u0148 osudu o p\u00e1r des\u00edtek let \u2013, dok\u00e1zali byste na\u0161et\u0159it dost velkou \u010d\u00e1stku na pokryt\u00ed chyb\u011bj\u00edc\u00edho p\u0159\u00edjmu? Zkusili jsme propo\u010d\u00edtat, kolik si na\u0161et\u0159\u00edte za deset let a nakolik by v\u00e1m to pomohlo ve chv\u00edli, kdy se n\u011bco semele. <\/span>Posu\u010fte sami na p\u0159\u00edkladu poji\u0161t\u011bn\u00ed smrti<\/a> na 5 milion\u016f K\u010d, invalidity<\/a> s m\u011bs\u00ed\u010dn\u00ed rentou 15 000 K\u010d a pracovn\u00ed neschopnosti<\/a> na 10 000 K\u010d m\u011bs\u00ed\u010dn\u011b. <\/b>V p\u0159\u00edkladu po\u010d\u00edt\u00e1me s trv\u00e1n\u00edm poji\u0161t\u011bn\u00ed po dobu 27 let.<\/span><\/p>\n

Na\u0161et\u0159en\u00e9 pen\u00edze vs. \u017eivotn\u00ed pojistka<\/h2>\n\n\n\n\n\n\n\n\n\n
<\/td>\nKdy\u017e si na\u0161et\u0159\u00edte:<\/i><\/b><\/td>\nKdy\u017e se pojist\u00edte:<\/i><\/b><\/td>\n<\/tr>\n
Ka\u017ed\u00fd m\u011bs\u00edc zaplat\u00edte<\/b><\/td>\n1000 K\u010d do \u00faspor<\/span><\/td>\n1000 K\u010d na pojistn\u00e9m<\/span><\/td>\n<\/tr>\n
Po 10 letech m\u00e1te na\u0161et\u0159eno<\/b><\/td>\n120 000 K\u010d<\/span><\/td>\n0 K\u010d<\/span><\/td>\n<\/tr>\n
A kdy\u017e v\u00e1s potk\u00e1 n\u011bkter\u00e1 z n\u00ed\u017ee uveden\u00fdch situac\u00ed:<\/i><\/b><\/td>\n<\/tr>\n
\ud83e\udd12 Pracovn\u00ed neschopnost \u2013 l\u00e9\u010dba rakoviny 15 m\u011bs\u00edc\u016f
\n<\/b>Nemocensk\u00e1 pokryje 60 % va\u0161eho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu, p\u0159i pr\u016fm\u011brn\u00e9m p\u0159\u00edjmu v\u00e1m m\u016f\u017ee chyb\u011bt 10 000 K\u010d<\/span><\/td>\n		\u00daspory na pokryt\u00ed v\u00fdpadku p\u0159\u00edjmu vydr\u017e\u00ed 12 m\u011bs\u00edc\u016f\u00a0<\/span>= 120 000 K\u010d (12 \u00d7 10000 K\u010d)<\/span><\/td>\nPen\u00edze z poji\u0161t\u011bn\u00ed budou vypl\u00e1ceny po uplynut\u00ed <\/span>karen\u010dn\u00ed doby<\/span><\/a> (spolu\u00fa\u010dast) a\u017e do ukon\u010den\u00ed neschopenky = 130 000 K\u010d (13 m\u011bs\u00edc\u016f \u00d7 10 000 K\u010d)<\/span><\/td>\n<\/tr>\n
\ud83e\udd15 P\u0159iznan\u00e1 invalidita 3. stupn\u011b
\n<\/b>Invalidn\u00ed d\u016fchod v\u00e1\u0161 p\u016fvodn\u00ed plat nepokryje; s\u00a0v\u00fdpadkem p\u0159\u00edjmu a zv\u00fd\u0161en\u00fdmi n\u00e1klady na l\u00e9\u010den\u00ed v\u00e1m m\u016f\u017ee chyb\u011bt 15 000 K\u010d ka\u017ed\u00fd m\u011bs\u00edc<\/span><\/td>\n		\u00daspory vydr\u017e\u00ed 8 m\u011bs\u00edc\u016f\u00a0<\/span>= 120 000 K\u010d\u00a0<\/span>(8\u00a0\u00d7 15 000 K\u010d)<\/span><\/td>\nPen\u00edze budete dost\u00e1vat jako m\u011bs\u00ed\u010dn\u00ed rentu po dobu 17 let do konce poji\u0161t\u011bn\u00ed<\/span>\u00a0= 3 030 000 K\u010d (202 m\u011bs\u00edc\u016f\u00a0\u00d7 15 000 K\u010d)<\/span><\/td>\n<\/tr>\n
\ud83d\udc80 Smrt
\n<\/b>Va\u0161e rodina p\u0159ijde i o v\u00e1\u0161 p\u0159\u00edjem, tak\u017ee j\u00ed bude chyb\u011bt 100 % va\u0161eho platu<\/span><\/td>\n		Va\u0161i nejbli\u017e\u0161\u00ed zd\u011bd\u00ed 120 000 K\u010d<\/span><\/td>\nZ va\u0161eho poji\u0161t\u011bn\u00ed dostane rodina 5 000 000 K\u010d<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0158ekn\u011bme, \u017ee jste se narodili pod \u0161\u0165astnou hv\u011bzdou a po cel\u00fd \u017eivot se v\u00e1m nic nestane. Pokud jste spo\u0159ili 1000 K\u010d m\u011bs\u00ed\u010dn\u011b, po 27 letech budete m\u00edt na \u00fa\u010dtu 324 000 K\u010d plus n\u011bjak\u00e9 \u00faroky. Tak\u017ee nap\u0159\u00edklad 330 000 K\u010d (pouze pro demonstraci). Tato \u010d\u00e1stka ale v roce 2048 nebude m\u00edt stejnou hodnotu jako v roce 2022. Na co v\u00e1m letos sta\u010dilo 330 000 K\u010d, na to byste o 27 let pozd\u011bji pot\u0159ebovali 733 025 K\u010d \u2013 a to po\u010d\u00edt\u00e1me velmi optimisticky s inflac\u00ed 3 %.<\/span><\/p>\n

\n

M\u00edt \u00faspory pro neo\u010dek\u00e1van\u00e9 situace je d\u016fle\u017eit\u00e9, ale nejlep\u0161\u00ed je m\u00edt k tomu i \u017eivotn\u00ed pojistku. Je to z\u00e1ruka, \u017ee kdyby se v\u00e1m n\u011bco stalo, bude o v\u00e1s a va\u0161i rodinu postar\u00e1no. Mutumutu v\u00e1s pojist\u00ed pro p\u0159\u00edpad pracovn\u00ed neschopnosti, invalidity a smrti. Jednodu\u0161e, online a bez zbyte\u010dn\u00fdch v\u00fdjimek.\u00a0<\/span><\/i><\/p>\n

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

Nikdy nev\u00edte, jak se v\u00e1m zm\u011bn\u00ed \u017eivot<\/h2>\n

I kdy\u017e v\u0161em na\u0161im klient\u016fm p\u0159ejeme jen to nejlep\u0161\u00ed, jejich tragick\u00e9 ud\u00e1losti n\u00e1s zas a znovu utvrzuj\u00ed v tom, \u017ee je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nepostradateln\u00e9. Je\u0161t\u011b po letech n\u00e1s rozechv\u00edv\u00e1 <\/span>p\u0159\u00edb\u011bh na\u0161\u00ed klientky<\/span><\/a>, pan\u00ed Marie, kter\u00e9 obr\u00e1tila \u017eivot naruby c\u00e9vn\u00ed mozkov\u00e1 p\u0159\u00edhoda. Marie byla na rodi\u010dovsk\u00e9 dovolen\u00e9, p\u00e9\u010di o d\u011bti a celou dom\u00e1cnost musel p\u0159evz\u00edt man\u017eel. Ten se pod tlakem zhroutil a skon\u010dil na neschopence. P\u0159\u00edjem rodiny r\u00e1zem klesl o 75 procent. Je to jeden z mnoha p\u0159\u00edklad\u016f,\u00a0pro\u010d m\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed i na mate\u0159sk\u00e9 a rodi\u010dovsk\u00e9 dovolen\u00e9. <\/span><\/p>\n

Indexace nen\u00ed jen o zdra\u017eov\u00e1n\u00ed<\/h2>\n

<\/b>Kdy\u017e se dnes pojist\u00edte na 1 000 000 korun a n\u011bco se v\u00e1m stane v prvn\u00edm roce poji\u0161t\u011bn\u00ed, vyplat\u00ed v\u00e1m pr\u00e1v\u011b tolik \u2013 jeden milion. A stejnou sumu dostanete i v des\u00e1t\u00e9m nebo dvac\u00e1t\u00e9m roce jeho trv\u00e1n\u00ed. Jen\u017ee jak u\u017e v\u00edme, milion dnes nen\u00ed to sam\u00e9 jako milion o 20 let pozd\u011bji. S t\u00edm, aby si pen\u00edze z poji\u0161t\u011bn\u00ed udr\u017eely svou hodnotu v \u010dase, pom\u016f\u017ee <\/span>indexace<\/b>.<\/span><\/p>\n

Kdy\u017e p\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed souhlas\u00edte s indexac\u00ed, poji\u0161\u0165ovna v\u00e1m automaticky po ur\u010dit\u00e9 dob\u011b p\u0159epo\u010dte a nav\u00fd\u0161\u00ed \u010d\u00e1stky, na kter\u00e9 jste poji\u0161t\u011bni, a tedy i m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9, kter\u00e9 plat\u00edte. D\u011bje se to konkr\u00e9tn\u011b ve chv\u00edli, kdy inflace p\u0159ekro\u010d\u00ed poji\u0161\u0165ovnou stanoven\u00e9 procento. Mnoho klient\u016f takov\u00fd krok ze strany poji\u0161\u0165ovny nespr\u00e1vn\u011b ch\u00e1pe jako snahu na nich vyd\u011blat. Tak\u00e9 je to d\u016fvod pro <\/span>ukon\u010den\u00ed poji\u0161t\u011bn\u00ed<\/span><\/a>, kter\u00fd klienti uv\u00e1d\u011bj\u00ed nej\u010dast\u011bji. Proto\u017ee zat\u00edmco m\u00e1slo zdra\u017euje postupn\u011b ka\u017ed\u00fd m\u011bs\u00edc, pojistn\u00e9 naroste ze dne na den. A to n\u00e1s dr\u00e1\u017ed\u00ed.<\/span><\/p>\n

Poji\u0161t\u011bn\u00ed si m\u016f\u017eete upravit i sami<\/h2>\n

Chcete-li se indexaci vyhnout, ale v\u011bd\u011bt, \u017ee jste v\u017edy poji\u0161t\u011bni na aktu\u00e1ln\u00ed \u010d\u00e1stky, <\/span>\u010das od \u010dasu svou pojistku aktualizujte<\/b>. Upravte pojistn\u00e9 \u010d\u00e1stky tak, aby dorovnaly v\u00e1\u0161 p\u0159\u00edjem p\u0159i pracovn\u00ed neschopnosti a invalidit\u011b. Pojistnou \u010d\u00e1stku za smrt v\u017edy p\u0159izp\u016fsobte pot\u0159eb\u00e1m rodiny tak, aby po va\u0161em odchodu zvl\u00e1dla v\u0161echny rodinn\u00e9 v\u00fddaje i bez va\u0161eho p\u0159\u00edjmu. Jak to v\u0161echno spo\u010d\u00edtat? <\/span>I na to m\u00e1me recept.<\/span><\/a><\/p>\n

Rada na z\u00e1v\u011br? Chra\u0148te svoje p\u0159\u00edjmy i \u00faspory\u00a0\ud83d\udcaa<\/h2>\n

Inflace v\u0161echno zdra\u017euje, sni\u017euje hodnotu va\u0161\u00ed v\u00fdplaty a \u00faspor a z\u00e1rove\u0148 zvy\u0161uje rodinn\u00e9 v\u00fddaje. A kdy\u017e se je\u0161t\u011b p\u0159id\u00e1 dlouhodob\u00e1 nemoc \u010di l\u00e9\u010den\u00ed \u00farazu, chyb\u011bj\u00edc\u00ed p\u0159\u00edjem situaci v\u00fdrazn\u011b zhor\u0161\u00ed. I kdy\u017e je rodinn\u00fd rozpo\u010det napjat\u00fd, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed by nem\u011blo b\u00fdt prvn\u00ed polo\u017ekou na seznamu \u201eco \u0161krtnout\u201c. A\u0165 u\u017e je inflace jak\u00e1koli, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed dorovn\u00e1 v\u00e1\u0161 chyb\u011bj\u00edc\u00ed p\u0159\u00edjem a t\u00edm v\u00e1m pom\u016f\u017ee zvl\u00e1dnout i \u017eivotn\u00ed krize<\/span>.<\/span><\/p>\n

\n

Jedno je jist\u00e9: toho, \u017ee m\u00e1te kvalitn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, nebudete nikdy litovat. Nev\u00edte si rady s t\u00edm, jak ho nastavit, upravit nebo aktualizovat? Obra\u0165te se na na\u0161e specialisty \u2013 jsou tu pro v\u00e1s ka\u017ed\u00fd v\u0161edn\u00ed den.<\/i><\/b><\/p>\n

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

Kdy\u017e roste inflace, lidi hledaj\u00ed, jak u\u0161et\u0159it a kter\u00e9 pravideln\u00e9 v\u00fddaje by mohli vy\u0161krtnout. M\u00e1 ale smysl \u0161et\u0159it na poji\u0161t\u011bn\u00ed? Je lep\u0161\u00ed m\u00edt \u00faspory, \u017eivotn\u00ed pojistku, nebo oboje? A jak svoje nebo rodinn\u00e9 p\u0159\u00edjmy m\u016f\u017eete do budoucna nejl\u00e9pe ochr\u00e1nit? U rann\u00ed k\u00e1vy, po cest\u011b do pr\u00e1ce i z pr\u00e1ce, ve\u010der ve zpr\u00e1v\u00e1ch\u2026 Kam se \u010dlov\u011bk …<\/p>\n","protected":false},"author":49,"featured_media":5143,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[481,216],"class_list":["post-5140","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-inflace","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5140","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=5140"}],"version-history":[{"count":11,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5140\/revisions"}],"predecessor-version":[{"id":5534,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5140\/revisions\/5534"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/5143"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=5140"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=5140"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=5140"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}