{"id":5207,"date":"2023-08-17T07:25:36","date_gmt":"2023-08-17T05:25:36","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5207"},"modified":"2025-09-24T15:01:52","modified_gmt":"2025-09-24T13:01:52","slug":"proc-mit-zivotni-pojisteni-kdy-se-pojistit","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2023\/08\/17\/proc-mit-zivotni-pojisteni-kdy-se-pojistit\/","title":{"rendered":"Pro\u010d m\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed aneb Neodkl\u00e1dejte jeho sjedn\u00e1n\u00ed"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p><strong><a href=\"https:\/\/mutumutu.cz\/\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/a> pom\u016f\u017ee v\u00e1m a va\u0161im bl\u00edzk\u00fdm v p\u0159\u00edpad\u011b v\u00fdpadk\u016f p\u0159\u00edjmu zp\u016fsoben\u00fdch nemoc\u00ed i \u00farazem. A\u0165 u\u017e jde o <a href=\"https:\/\/mutumutu.cz\/pojisteni-pracovni-neschopnosti\">pracovn\u00ed neschopnost<\/a>, <a href=\"https:\/\/mutumutu.cz\/pojisteni-invalidity\">invaliditu<\/a>, \u010di <a href=\"https:\/\/mutumutu.cz\/pojisteni-smrti\">smrt<\/a>, poji\u0161t\u011bn\u00ed dok\u00e1\u017ee dorovnat p\u0159\u00edjem a pom\u016f\u017ee se s nastalou nelehkou situac\u00ed vyrovnat. A nejde jen o finance. V\u011bdom\u00ed, \u017ee z poji\u0161t\u011bn\u00ed dostanete pravideln\u011b pen\u00edze, dok\u00e1\u017ee uleh\u010dit i va\u0161\u00ed psychice. Poj\u010fme se proto bl\u00ed\u017ee pod\u00edvat na to, pro\u010d m\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/strong><\/p>\n<h2><span style=\"font-weight: 400;\">Pro\u010d je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed d\u016fle\u017eit\u00e9?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Hlavn\u00edm d\u016fvodem jsou va\u0161i bl\u00edzc\u00ed \u2013 drah\u00e1 polovi\u010dka, d\u011bti, p\u0159\u00edpadn\u011b rodi\u010de. Kdy\u017e se v\u00e1m n\u011bco stane, m\u016f\u017ee je ohrozit chyb\u011bj\u00edc\u00ed p\u0159\u00edjem, p\u0159\u00edpadn\u011b nutn\u00e1 p\u00e9\u010de o v\u00e1s. \u017divotn\u00ed poji\u0161t\u011bn\u00ed proto p\u0159edstavuje finan\u010dn\u00ed jistotu pro v\u00e1s i va\u0161i rodinu, pom\u016f\u017ee splatit dluhy, udr\u017eet si \u017eivotn\u00ed \u00farove\u0148 a dost\u00e1t v\u0161em z\u00e1vazk\u016fm i s ni\u017e\u0161\u00edm p\u0159\u00edjmem. A v neposledn\u00ed \u0159ad\u011b v\u00e1m pom\u016f\u017ee zaplatit kvalitn\u00ed zdravotn\u00ed nadstandardn\u00ed p\u00e9\u010di.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Kdy si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed sjednat?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ide\u00e1ln\u011b co nejd\u0159\u00edve. Cenu \u017eivotn\u00edho poji\u0161t\u011bn\u00ed toti\u017e ovliv\u0148uje n\u011bkolik faktor\u016f. A t\u011bmi nejhlavn\u011bj\u0161\u00edmi jsou pr\u00e1v\u011b v\u00e1\u0161 v\u011bk a zdravotn\u00ed stav. \u010c\u00edm mlad\u0161\u00ed se poji\u0161\u0165ujete, t\u00edm ni\u017e\u0161\u00ed pojistn\u00e9 plat\u00edte. Proto\u017ee mlad\u00ed a zdrav\u00ed lid\u00e9 jsou m\u00e9n\u011b rizikov\u00ed. S p\u0159ib\u00fdvaj\u00edc\u00edm v\u011bkem u\u017e va\u0161i rizikovost zvy\u0161uj\u00ed prod\u011blan\u00e9 nemoci.<\/span><\/p>\n<p><a href=\"https:\/\/www.mutumutu.cz\/kalkulacka\/uvod\"><span style=\"font-weight: 400;\"><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 poji\u0161t\u011bn\u00ed<\/a><\/div><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Jen\u017ee mlad\u00fd a zdrav\u00fd \u010dlov\u011bk s pocitem nesmrtelnosti a neporazitelnosti nem\u00e1 ani\u00a0<\/span><span style=\"font-weight: 400;\">pomy\u0161len\u00ed na smrt nebo invaliditu. Co je v\u0161ak ohro\u017euje v\u00edc, jsou \u00farazy. D\u00edky v\u0161em t\u011bm nov\u00fdm, divok\u00fdm a p\u0159edev\u0161\u00edm vzru\u0161uj\u00edc\u00edm sport\u016fm. Spr\u00e1vn\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v\u00e1s pojist\u00ed nejen na nemoci, ale i na \u00farazy. Nav\u00edc \u00farazy jsou kryt\u00e9 od prvn\u00edho dne, a to bez ohledu na to, jestli sportujete doma nebo t\u0159eba na dovolen\u00e9 v zahrani\u010d\u00ed.<\/span><\/p>\n<p><a href=\"https:\/\/www.mutumutu.cz\/kalkulacka\/uvod\"><span style=\"font-weight: 400;\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/www.mutumutu.cz\/pojisteni-pracovni-neschopnosti'>Chci pojistit \u00farazy i nemoci<\/a><\/div><\/span><\/a><\/p>\n<h2><span style=\"font-weight: 400;\">Kdo by m\u011bl o sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed uva\u017eovat?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pot\u0159eba m\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se m\u011bn\u00ed a odv\u00edj\u00ed se od rodinn\u00fdch a finan\u010dn\u00edch okolnost\u00ed. \u017divotn\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017ee b\u00fdt d\u016fle\u017eit\u00e9 i pro seniora, kter\u00fd ji\u017e nepracuje a z\u00e1vazky m\u00e1 vypo\u0159\u00e1dan\u00e9, ale finan\u010dn\u011b podporuje svou dceru, kter\u00e1 z\u016fstala s dv\u011bma d\u011btmi sama a jejich\u017e otec d\u011bt\u00ed neplat\u00ed v\u00fd\u017eivn\u00e9. Po \u017eivotn\u00edm poji\u0161t\u011bn\u00ed s\u00e1hne i mlad\u00edk, kter\u00fd teprve dostudoval, proto\u017ee spl\u00e1c\u00ed studentskou p\u016fj\u010dku. Kdyby se mu n\u011bco stalo, jej\u00ed spl\u00e1cen\u00ed p\u0159ejde na jeho maminku\u00a0<\/span><span style=\"font-weight: 400;\">samo\u017eivitelku, kterou by to polo\u017eilo na lopatky.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u017divot n\u00e1s r\u016fzn\u011b p\u0159ekvap\u00ed. A proto i pot\u0159eba b\u00fdt poji\u0161t\u011bn m\u016f\u017ee vyvstat velmi individu\u00e1ln\u011b u\u00a0<\/span><span style=\"font-weight: 400;\">ka\u017ed\u00e9ho jinak. Ale z na\u0161\u00ed poji\u0161\u0165ov\u00e1ck\u00e9 praxe m\u016f\u017eeme \u0159\u00edct, \u017ee nej\u010dast\u011bj\u0161\u00edmi aktiv\u00e1tory pro\u00a0<\/span><span style=\"font-weight: 400;\">sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed jsou tyto \u017eivotn\u00ed situace:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hypot\u00e9ka nebo \u00fav\u011br \u2013 nechcete, aby va\u0161e polovi\u010dka musela prodat st\u0159echu nad hlavou,\u00a0<\/span>proto\u017ee bez va\u0161eho p\u0159\u00edjmu neut\u00e1hne spl\u00e1tky.<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Svatba \u2013 v\u0161echny va\u0161e finan\u010dn\u00ed z\u00e1vazky, ke kter\u00fdm jste se upsali za svobodna, bude\u00a0<\/span>muset za v\u00e1s doplatit va\u0161e polovi\u010dka.<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zalo\u017een\u00ed rodiny \u2013 va\u0161e partnerka a d\u011bti spol\u00e9haj\u00ed pouze na v\u00e1\u0161 p\u0159\u00edjem,\u00a0<\/span>z rodi\u010dovsk\u00e9ho p\u0159\u00edsp\u011bvku nelze zajistit kvalitn\u00ed \u017eivot.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kdy\u017e m\u00e1te prosperuj\u00edc\u00ed rodinn\u00fd podnik a va\u0161e role je kl\u00ed\u010dov\u00e1 pro jeho prosperitu \u2013\u00a0<\/span>va\u0161e smrt nebo invalidita m\u016f\u017ee velmi rychl\u00e9 poslat cel\u00e9 va\u0161e \u017eivotn\u00ed sna\u017een\u00ed do kopru.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.mutumutu.cz\/kalkulacka\/uvod\"><span style=\"font-weight: 400;\"><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 poji\u0161t\u011bn\u00ed<\/a><\/div><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">A\u0165 u\u017e v\u00e1s \u010dek\u00e1 n\u011bkter\u00e1 z v\u00fd\u0161e uveden\u00fdch standardn\u00edch situac\u00ed, nebo je v\u00e1\u0161 \u017eivot\u00a0<\/span><span style=\"font-weight: 400;\">komplikovan\u011bj\u0161\u00ed, v\u017edy si individu\u00e1ln\u011b vyhodno\u0165te, nakolik je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro v\u00e1s\u00a0<\/span><span style=\"font-weight: 400;\">nezbytn\u00e9 a jak se pojistit. Jak na to?<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">V\u011bd\u011bt, na \u010dem jste, a pravideln\u011b aktualizovat<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Jestli nev\u00edte, jak se pojistit, p\u0159\u00edpadn\u011b jestli va\u0161e poji\u0161t\u011bn\u00ed pot\u0159ebuje n\u011bjakou zm\u011bnu,\u00a0<\/span><span style=\"font-weight: 400;\">ud\u011blejte si takov\u00e9 brann\u00e9 finan\u010dn\u00ed cvi\u010den\u00ed. N\u011bkte\u0159\u00ed z n\u00e1s si ho m\u016f\u017eou pamatovat ze \u0161koly, \u00a0v\u00a070. a 80. letech jsme ho d\u011blali v\u0161ichni povinn\u011b. Abychom byli p\u0159ipraveni na nejhor\u0161\u00ed.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jednoduch\u00e1 bilance: p\u0159edstavte si re\u00e1ln\u011b situaci, \u017ee se to stalo. Jste po autonehod\u011b, invalidn\u00ed (p\u0159\u00edpadn\u011b je\u0161t\u011b h\u016f\u0159) a va\u0161e polovi\u010dka z\u016fstala sama s d\u011btmi a jedn\u00edm p\u0159\u00edjmem. Co se stane, jak si s porad\u00ed? Spo\u010d\u00edtejte re\u00e1ln\u011b v\u0161echny p\u0159\u00edjmy, kter\u00e9 by m\u011bla k dispozici. Ty jednor\u00e1zov\u00e9, stejn\u011b jako ty pravideln\u00e9.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jednor\u00e1zov\u00e9 p\u0159\u00edjmy p\u0159edstavuj\u00ed nap\u0159\u00edklad prodej nemovitosti \u010di auta. Pravideln\u00e9 p\u0159\u00edjmy jsou mzda a soci\u00e1ln\u00ed d\u00e1vky jako t\u0159eba sirot\u010d\u00ed a vdovsk\u00e9. Proti tomu spo\u010dt\u011bte v\u0161echny n\u00e1klady, kter\u00e9 mus\u00ed zaplatit pravideln\u011b ka\u017ed\u00fd m\u011bs\u00edc. Spl\u00e1tky, poplatky za bydlen\u00ed a v\u0161echny pravideln\u00e9 m\u011bs\u00ed\u010dn\u00ed n\u00e1klady. A na kolik let dop\u0159edu to spo\u010d\u00edtat? V ide\u00e1ln\u00edm p\u0159\u00edpad\u011b do doby, kdy se va\u0161e nejmlad\u0161\u00ed d\u00edt\u011b osamostatn\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To, co v\u00e1m v t\u00e9to bilanci bude chyb\u011bt, je \u010d\u00e1stka, na kterou byste se m\u011bli pojistit pro p\u0159\u00edpad invalidity nebo smrti. A vzhledem k tomu, \u017ee se na\u0161e \u017eivoty i pot\u0159eby m\u011bn\u00ed, doporu\u010dujeme toto brann\u00e9 finan\u010dn\u00ed cvi\u010den\u00ed opakovat pravideln\u011b po p\u00e1r letech, p\u0159\u00edpadn\u011b kdy\u017e nastane n\u011bjak\u00e1 v\u00fdrazn\u00e1 zm\u011bna. Dal\u0161\u00ed d\u00edt\u011b, dal\u0161\u00ed \u00fav\u011br nebo kdy\u017e v\u00e1m v\u00fdrazn\u011b zv\u00fd\u0161\u00ed \u010di sn\u00ed\u017e\u00ed plat.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Kdy\u017e si to shrneme<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u010c\u00edm v\u00edce budete sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed odkl\u00e1dat, t\u00edm vy\u0161\u0161\u00ed pojistn\u00e9 budete platit. Tak\u00e9 m\u011bjte na pam\u011bti, \u017ee s rostouc\u00edm v\u011bkem se zhor\u0161uje i v\u00e1\u0161 zdravotn\u00ed stav. A to m\u016f\u017ee nejen negativn\u011b ovlivnit v\u00fd\u0161i pojistn\u00e9ho, ale dokonce zap\u0159\u00ed\u010dinit i va\u0161i nepojistitelnost.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Proto se u\u017e vyka\u0161lete na n\u011bjak\u00e9 to \u201eud\u011bl\u00e1m to pozd\u011bji\u201c. Aby pak nebylo p\u0159\u00edli\u0161 pozd\u011b. A\u00a0nebojte, dneska u\u017e to nen\u00ed akce na n\u011bkolik dn\u00ed a ani smlouvy o sto str\u00e1nk\u00e1ch v\u00e1s ne\u010dekaj\u00ed. \u017divotn\u00ed poji\u0161t\u011bn\u00ed Mutumutu si toti\u017e m\u016f\u017eete sjednat z pohodl\u00ed domova, online, b\u011bhem p\u00e1r minut. M\u00e1me jen 7 v\u00fdjimek z pln\u011bn\u00ed a smlouvy na p\u00e1r str\u00e1nek, tak\u017ee hned jednodu\u0161e v\u00edte, na \u010dem jste.<\/span><\/p>\n<p><a href=\"https:\/\/www.mutumutu.cz\/kalkulacka\/uvod\"><span style=\"font-weight: 400;\"><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'>Chci online poji\u0161t\u011bn\u00ed<\/a><\/div><\/span><\/a><\/p>\n<hr \/>\n<p><em><span style=\"font-weight: 400;\">A na z\u00e1v\u011br je\u0161t\u011b rada, jak na \u017eivotn\u00edm poji\u0161t\u011bn\u00ed u\u0161et\u0159it.<\/span><\/em><\/p>\n<p><em><span style=\"font-weight: 400;\">Mutumutu \u017eivotn\u00ed poji\u0161t\u011bn\u00ed odm\u011b\u0148uje sv\u00e9 klienty za zdrav\u00fd zp\u016fsob \u017eivota. Kdy\u017e se pravideln\u011b h\u00fdbete, nekou\u0159\u00edte a nezanedb\u00e1v\u00e1te preventivn\u00ed prohl\u00eddky u sv\u00e9ho l\u00e9ka\u0159e, vr\u00e1t\u00edme v\u00e1m 30 % zaplacen\u00e9ho pojistn\u00e9ho zp\u00e1tky. Ka\u017ed\u00e9ho \u010dtvrt roku, v hotovosti na v\u00e1\u0161 \u00fa\u010det. A to se vyplat\u00ed.<\/span><\/em><\/p>\n<p><a href=\"https:\/\/www.mutumutu.cz\/kalkulacka\/uvod\"><span style=\"font-weight: 400;\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/www.mutumutu.cz\/odmena'>Chci zjistit v\u00edce<\/a><\/div><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; \u017divotn\u00ed poji\u0161t\u011bn\u00ed pom\u016f\u017ee v\u00e1m a va\u0161im bl\u00edzk\u00fdm v p\u0159\u00edpad\u011b v\u00fdpadk\u016f p\u0159\u00edjmu zp\u016fsoben\u00fdch nemoc\u00ed i \u00farazem. A\u0165 u\u017e jde o pracovn\u00ed neschopnost, invaliditu, \u010di smrt, poji\u0161t\u011bn\u00ed dok\u00e1\u017ee dorovnat p\u0159\u00edjem a pom\u016f\u017ee se s nastalou nelehkou situac\u00ed vyrovnat. A nejde jen o finance. V\u011bdom\u00ed, \u017ee z poji\u0161t\u011bn\u00ed dostanete pravideln\u011b pen\u00edze, dok\u00e1\u017ee uleh\u010dit i va\u0161\u00ed psychice. Poj\u010fme  &#8230;<\/p>\n","protected":false},"author":49,"featured_media":5216,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[40,483],"class_list":["post-5207","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-zdravi","tag-zivotni-pojsiteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5207","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=5207"}],"version-history":[{"count":11,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5207\/revisions"}],"predecessor-version":[{"id":5506,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5207\/revisions\/5506"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/5216"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=5207"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=5207"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=5207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}