{"id":5416,"date":"2024-11-11T09:09:19","date_gmt":"2024-11-11T08:09:19","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5416"},"modified":"2025-09-25T19:38:10","modified_gmt":"2025-09-25T17:38:10","slug":"zivotni-pojisteni-nebo-pojisteni-schopnosti-splacet-dil-1","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2024\/11\/11\/zivotni-pojisteni-nebo-pojisteni-schopnosti-splacet-dil-1\/","title":{"rendered":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed, nebo poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet? Jak se od sebe li\u0161\u00ed? \u010c\u00e1st I \u2013 rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed"},"content":{"rendered":"

Gratulujeme! Na\u0161li jste sv\u00e9 vysn\u011bn\u00e9 bydlen\u00ed a m\u00e1te i p\u0159\u00edslib banky, \u017ee v\u00e1m na n\u011b p\u016fj\u010d\u00ed. To je velk\u00fd krok ve va\u0161em \u017eivot\u011b. Ale tak\u00e9 velk\u00fd z\u00e1vazek. Jist\u011b je pro v\u00e1s stejn\u011b d\u016fle\u017eit\u00e9 zajistit i to, aby va\u0161e rodina o tento domov nep\u0159i\u0161la. Nejlep\u0161\u00ed je si uzav\u0159\u00edt poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet nebo si sjednat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>. Poj\u010fme se pod\u00edvat, jak se tato od sebe li\u0161\u00ed. Za\u010dneme rizikov\u00fdm \u017eivotn\u00edm poji\u0161t\u011bn\u00edm.<\/strong><\/p>\n

Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n

Co to je?<\/strong><\/h2>\n

Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> je v\u00a0portfoliu v\u011bt\u0161iny poji\u0161\u0165oven a m\u016f\u017ee v\u00e1m je nab\u00eddnout poji\u0161\u0165ovac\u00ed poradce, bank\u00e9\u0159 nebo si ho m\u016f\u017eete uzav\u0159\u00edt i online. Pln\u011bn\u00ed ze\u00a0\u017eivotka v\u00e1m pom\u016f\u017ee nejen s\u00a0hypot\u00e9kou, ale i s\u00a0dal\u0161\u00edmi v\u00fddaji. Nemus\u00edte si zrovna br\u00e1t hypot\u00e9ku, aby bylo rozumn\u00e9 si poji\u0161t\u011bn\u00ed sjednat. V\u00e1\u017en\u00e9 komplikace mohou p\u0159ij\u00edt i bez dluh\u016f.<\/p>\n

\u00dakolem tohoto poji\u0161t\u011bn\u00ed je zajistit, abyste zvl\u00e1dli chv\u00edle, kdy v\u00e1m nebo va\u0161im bl\u00edzk\u00fdm \u017eivot zkomplikuje t\u0159eba nemoc, \u00faraz, pracovn\u00ed neschopnost<\/a>, nebo dokonce smrt. Smlouvou m\u016f\u017eete zabezpe\u010dit sebe i dal\u0161\u00ed \u010dleny rodiny.<\/p>\n

Pojistnou smlouvu s v\u00e1mi uzav\u0159e poji\u0161\u0165ovna individu\u00e1ln\u011b, podle va\u0161ich pot\u0159eb a p\u0159\u00e1n\u00ed. Mutumutu je rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 si m\u016f\u017eete uzav\u0159\u00edt nejd\u0159\u00edve v 18 a nejpozd\u011bji v\u00a060 letech. Mutumutu m\u016f\u017ee b\u00fdt startovac\u00edm poji\u0161t\u011bn\u00edm pro mlad\u00e9 lidi, kte\u0159\u00ed ocen\u00ed jeho jednoduchost, srozumitelnost a preven\u010dn\u00ed program<\/a>, d\u00edky n\u011bmu\u017e z\u00edskaj\u00ed pen\u00edze zp\u011bt za sv\u016fj zdrav\u00fd \u017eivotn\u00ed styl.<\/p>\n

S\u00a0postupem \u010dasu si m\u016f\u017eete k Mutumutu sjednat dal\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 bude vyhovovat va\u0161\u00ed aktu\u00e1ln\u00ed pot\u0159eb\u011b.<\/p>\n

Jak poji\u0161t\u011bn\u00ed sjednat? <\/strong><\/h2>\n

B\u011b\u017en\u00e9 rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed v\u00e1z\u00e1no na \u017e\u00e1dn\u00e9 \u00fav\u011bry nebo dal\u0161\u00ed z\u00e1vazky. M\u016f\u017eete si je sjednat kdykoliv od narozen\u00ed a\u017e nap\u0159\u00edklad do 75 let. Do smlouvy m\u016f\u017eete p\u0159idat dal\u0161\u00ed osoby a s\u00a0poji\u0161t\u011bn\u00edm si m\u016f\u017eete opravdu \u201epohr\u00e1t\u201c. Jak se bude va\u0161e \u017eivotn\u00ed situace m\u011bnit, m\u016f\u017eete i pojistnou smlouvu m\u011bnit a dopl\u0148ovat. Se sjedn\u00e1n\u00edm je spojena povinnost informovat poji\u0161\u0165ovnu o sv\u00e9m zdravotn\u00edm stavu, charakteru pr\u00e1ce a sportovn\u00edch aktivit\u00e1ch. To v\u0161e ovliv\u0148uje to, v\u00a0jak\u00e9m rozsahu, na jak\u00e9 pojistn\u00e9 \u010d\u00e1stky a za jakou cenu v\u00e1s poji\u0161\u0165ovna do poji\u0161t\u011bn\u00ed p\u0159ijme. \u010c\u00edm jste star\u0161\u00ed nebo v\u00edc nemocn\u00fd, t\u00edm roste pravd\u011bpodobnost, \u017ee se v\u00e1m v\u00a0poji\u0161t\u011bn\u00ed objev\u00ed v\u00fdluka nebo p\u0159ir\u00e1\u017eka. M\u016f\u017eete se dokonce st\u00e1t na n\u011bkter\u00e1 rizika nepojistiteln\u00fdm. Proto je dobr\u00e9 sjednat si u\u017e v\u00a0ml\u00e1d\u00ed sv\u00e9 prvn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n

Chci se pojistit<\/a><\/div><\/span><\/a><\/p>\n

Mutumutu je jednoduch\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. V\u0161echny pot\u0159ebn\u00e9 \u00fadaje pro jeho sjedn\u00e1n\u00ed zad\u00e1te do online formul\u00e1\u0159e, kde taky nastav\u00edte parametry poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad \u00famrt\u00ed<\/a>, invalidity<\/a> nebo pracovn\u00ed neschopnosti<\/a>, kter\u00e1 pomohou s\u00a0v\u00fdpadkem p\u0159\u00edjmu.<\/p>\n

Co je poji\u0161t\u011bno?<\/strong><\/h2>\n

U rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed m\u016f\u017eete individu\u00e1ln\u011b pojistn\u00e9 kryt\u00ed nastavit podle va\u0161ich pot\u0159eb a po\u017eadavk\u016f. V\u00a0mlad\u00e9m v\u011bku, kdy je\u0161t\u011b nem\u00e1te rodinu a z\u00e1vazky, si pojist\u00edte hlavn\u011b pracovn\u00ed neschopnost a invaliditu. Jako rodi\u010d od rodiny s\u00a0hypot\u00e9kou budete ur\u010dit\u011b cht\u00edt je\u0161t\u011b zajistit budoucnost sv\u00e9 rodiny i v\u00a0p\u0159\u00edpad\u011b, \u017ee by v\u00e1s potkalo to nejhor\u0161\u00ed a oni by na v\u0161e z\u016fstali sami bez v\u00e1s. V\u00fdhodou je, \u017ee si svoje poji\u0161t\u011bn\u00ed m\u016f\u017eete kdykoliv upravit. Odebrat poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti, kdy\u017e jste na mate\u0159sk\u00e9, a pak ho zase p\u0159idat, a\u017e se do pracovn\u00edho procesu vr\u00e1t\u00edte. Nebo upravit pojistn\u00e9 \u010d\u00e1stky, kdy\u017e si vezmete dal\u0161\u00ed \u00fav\u011br nebo ho splat\u00edte. Tak jak se m\u011bn\u00ed v\u00e1\u0161 \u017eivot, tak se m\u016f\u017ee m\u011bnit i va\u0161e \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n

Mutumutu poji\u0161\u0165uje to d\u016fle\u017eit\u00e9, a nav\u00edc s\u00a0minimem v\u00fdluk: smrt \u00farazem i nemoc\u00ed, invaliditu 1., 2. i 3. stupn\u011b a pracovn\u00ed neschopnost od 30., nebo 60. dne. S\u00a0nastaven\u00edm pojistn\u00fdch \u010d\u00e1stek v\u00e1m pom\u016f\u017ee aplikace.<\/p>\n

Kdo pen\u00edze dostane a kolik?<\/strong><\/h2>\n

Zat\u00edmco u poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet jdou pen\u00edze z\u00a0poji\u0161t\u011bn\u00ed v\u011bt\u0161inou bance, aby pokryly spl\u00e1tku hypot\u00e9ky nebo jej\u00ed nesplacen\u00fd z\u016fstatek, u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed jsou pen\u00edze z\u00a0poji\u0161t\u011bn\u00ed v\u017edy vyplacen\u00e9 v\u00e1m nebo obmy\u0161len\u00e9 osob\u011b<\/a>, kterou v\u00a0pojistn\u00e9 smlouv\u011b m\u016f\u017eete ur\u010dit. Pojistn\u00e9 \u010d\u00e1stky jsou jasn\u011b domluven\u00e9 v\u00a0pojistn\u00e9 smlouv\u011b a s\u00a0vyplacen\u00fdm pln\u011bn\u00edm si pak m\u016f\u017eete nakl\u00e1dat dle libosti. Je jen na v\u00e1s nebo va\u0161ich bl\u00edzk\u00fdch, jestli je pou\u017eijete na splacen\u00ed hypot\u00e9ky, nebo si je ponech\u00e1te, aby v\u00e1m pomohly platit pravideln\u00e9 spl\u00e1tky a dal\u0161\u00ed pravideln\u00e9 z\u00e1vazky rodiny. Kdy\u017e jsou pojistn\u00e9 \u010d\u00e1stky nastaveny spr\u00e1vn\u011b, pokryje pln\u011bn\u00ed od poji\u0161\u0165ovny nejen spl\u00e1tku hypot\u00e9ky, ale i v\u0161echny ostatn\u00ed n\u00e1klady dom\u00e1cnosti.<\/p>\n

I v\u00a0Mutumutu si m\u016f\u017eete ur\u010dit obmy\u0161lenou osobu, kter\u00e1 v\u00a0p\u0159\u00edpad\u011b va\u0161\u00ed smrti dostane pojistn\u00e9 pln\u011bn\u00ed.<\/p>\n

Kdy je konec poji\u0161t\u011bn\u00ed?<\/strong><\/h2>\n

V\u00a0pojistn\u00e9 smlouv\u011b je jasn\u011b stanoven konec poji\u0161t\u011bn\u00ed, kter\u00fd jste si zvolili. Ale kdy\u017e ve va\u0161em \u017eivot\u011b nastanou zm\u011bny, kter\u00e9 budou vy\u017eadovat zm\u011bnu v\u00a0d\u00e9lce trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed, m\u016f\u017eete ho kdykoliv ukon\u010dit. Ale ne\u017e ukon\u010d\u00edte \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, \u201eochyt\u0159ete\u201c se na na\u0161em blogu<\/a>, jak to ud\u011blat spr\u00e1vn\u011b, aby se v\u00e1m to nevymstilo. Ukon\u010den\u00ed \u017eivotka si v\u017edy opravdu dob\u0159e promyslete.<\/p>\n

Mutumutu poji\u0161t\u011bn\u00ed m\u016f\u017eete ukon\u010dit dohodou s poji\u0161\u0165ovnou kdykoli, t\u0159eba i od z\u00edt\u0159ka bez ohledu na to, jak\u00fd k\u00a0tomu m\u00e1te d\u016fvod. Nebo sta\u010d\u00ed poji\u0161t\u011bn\u00ed jen adekv\u00e1tn\u011b upravit podle nov\u00e9 situace ve va\u0161em \u017eivot\u011b.<\/p>\n

Jak\u00e1 je cena?<\/strong><\/h2>\n

P\u0159i sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed vypl\u0148ujete zdravotn\u00ed dotazn\u00edk, kter\u00fd slou\u017e\u00ed poji\u0161\u0165ovn\u011b k\u00a0posouzen\u00ed pojistn\u00e9ho rizika. Poji\u0161\u0165ovnu rovn\u011b\u017e zaj\u00edm\u00e1, jakou vykon\u00e1v\u00e1te pr\u00e1ci a tak\u00e9 sporty, kter\u00fdm se v\u011bnujete, jak \u010dasto a na jak\u00e9 \u00farovni. Podle zji\u0161t\u011bn\u00fdch informac\u00ed m\u016f\u017ee stanovit p\u0159ir\u00e1\u017eku k\u00a0pojistn\u00e9mu kv\u016fli vy\u0161\u0161\u00edmu riziku vzniku pojistn\u00e9 ud\u00e1losti. Proto mohou dva lid\u00e9 ve stejn\u00e9m v\u011bku m\u00edt rozd\u00edlnou cenu \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. V\u00fdsledkem m\u016f\u017ee b\u00fdt i individu\u00e1ln\u00ed v\u00fdluka na konkr\u00e9tn\u00ed nemoci nebo \u00farazy, kter\u00e9 ji\u017e m\u00e1te nebo jste prod\u011blali.<\/p>\n

Je proto v\u00fdhodn\u011bj\u0161\u00ed, kdy\u017e se pojist\u00edte v\u00a0co nejni\u017e\u0161\u00edm v\u011bku, kdy\u017e jste je\u0161t\u011b zdrav\u00fd a nem\u00e1te za sebou \u017e\u00e1dnou v\u00e1\u017enou nemoc nebo komplikovan\u00fd \u00faraz. Proto\u017ee cena va\u0161eho poji\u0161t\u011bn\u00ed se d\u00e1le v\u00a0\u010dase nem\u011bn\u00ed. A to ani kdy\u017e se v\u00e1\u0161 zdravotn\u00ed stav \u010dasem zhor\u0161\u00ed. \u010c\u00edm mlad\u0161\u00ed se pojist\u00edte, t\u00edm levn\u011bj\u0161\u00ed pojistn\u00e9 budete platit.<\/p>\n

Mutumutu vrac\u00ed a\u017e 30 % z\u00a0pojistn\u00e9ho za to, \u017ee nekou\u0159\u00edte, chod\u00edte na preventivn\u00ed prohl\u00eddky a aktivn\u011b se h\u00fdbete. Kdy\u017e budete cht\u00edt, m\u016f\u017eete tak u\u0161et\u0159it nemalou \u010d\u00e1stku.<\/p>\n

Chci Mutumutu<\/a><\/div><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Gratulujeme! Na\u0161li jste sv\u00e9 vysn\u011bn\u00e9 bydlen\u00ed a m\u00e1te i p\u0159\u00edslib banky, \u017ee v\u00e1m na n\u011b p\u016fj\u010d\u00ed. To je velk\u00fd krok ve va\u0161em \u017eivot\u011b. Ale tak\u00e9 velk\u00fd z\u00e1vazek. Jist\u011b je pro v\u00e1s stejn\u011b d\u016fle\u017eit\u00e9 zajistit i to, aby va\u0161e rodina o tento domov nep\u0159i\u0161la. Nejlep\u0161\u00ed je si uzav\u0159\u00edt poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet nebo si sjednat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. …<\/p>\n","protected":false},"author":49,"featured_media":5417,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,30,5],"tags":[490,213],"class_list":["post-5416","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-zdravi","category-zivotni-styl","tag-pojisteni-schopnosti-splacet","tag-rizikove-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5416","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=5416"}],"version-history":[{"count":6,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5416\/revisions"}],"predecessor-version":[{"id":5543,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5416\/revisions\/5543"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/5417"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=5416"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=5416"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=5416"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}