{"id":5419,"date":"2024-11-21T12:33:19","date_gmt":"2024-11-21T11:33:19","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5419"},"modified":"2025-09-24T15:06:58","modified_gmt":"2025-09-24T13:06:58","slug":"zivotni-pojisteni-nebo-pojisteni-schopnosti-splacet-dil-2","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2024\/11\/21\/zivotni-pojisteni-nebo-pojisteni-schopnosti-splacet-dil-2\/","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 II \u2013 Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet"},"content":{"rendered":"<p><strong>Nast\u00e1v\u00e1 dal\u0161\u00ed etapa va\u0161eho \u017eivota! Poda\u0159ilo se v\u00e1m naj\u00edt kr\u00e1sn\u00e9 bydlen\u00ed pro rodinu a vy\u0159e\u0161ili jste i jeho financov\u00e1n\u00ed. To je velk\u00e1 radost, kter\u00e1 se v\u0161ak m\u016f\u017ee zm\u011bnit ve velkou starost. Jak to nedopustit? Nejlep\u0161\u00ed je si uzav\u0159\u00edt poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet nebo si sjednat <a href=\"https:\/\/mutumutu.cz\/\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>. Poj\u010fme se pod\u00edvat, jak se tato od sebe li\u0161\u00ed. Pod\u00edv\u00e1me se na poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet.<\/strong><\/p>\n<h2><strong>Poji\u0161t\u011bn\u00ed schopnost\u00ed spl\u00e1cet<\/strong><\/h2>\n<h2><strong>Co to je?<\/strong><\/h2>\n<p>S poji\u0161t\u011bn\u00edm schopnosti spl\u00e1cet se setk\u00e1te v\u00a0bance, kdy\u017e si berete hypot\u00e9ku. Nebo v\u00a0p\u0159\u00edpadech, kdy si sjedn\u00e1te spl\u00e1tkov\u00fd prodej nebo berete \u00fav\u011br. A to nejen v\u00a0bance.<\/p>\n<p>\u00dakolem tohoto poji\u0161t\u011bn\u00ed je zajistit \u00fahradu spl\u00e1tek, kdy\u017e v\u00e1m nebo va\u0161\u00ed rodin\u011b zkomplikuje \u017eivot t\u0159eba nemoc, \u00faraz, <a href=\"https:\/\/mutumutu.cz\/pojisteni-pracovni-neschopnosti\">pracovn\u00ed neschopnost<\/a>, ztr\u00e1ta zam\u011bstn\u00e1n\u00ed, nebo dokonce <a href=\"https:\/\/mutumutu.cz\/pojisteni-invalidity\">invalidita<\/a> nebo <a href=\"https:\/\/mutumutu.cz\/pojisteni-smrti\">smrt<\/a>.<\/p>\n<p>Jedn\u00e1 se o poji\u0161t\u011bn\u00ed vytvo\u0159en\u00e9 ve spolupr\u00e1ci s bankami a jin\u00fdmi finan\u010dn\u00edmi institucemi.<\/p>\n<p>Banka m\u00e1 s\u00a0poji\u0161\u0165ovnou sjednanou jednu <strong>kolektivn\u00ed, r\u00e1mcovou pojistnou smlouvu<\/strong>, je\u017e ur\u010duje podm\u00ednky pro v\u0161echny klienty, kte\u0159\u00ed jsou do poji\u0161t\u011bn\u00ed za\u0159azen\u00ed.<\/p>\n<h2><strong>Jak poji\u0161t\u011bn\u00ed sjednat?<\/strong><\/h2>\n<p>Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet se v\u00e1\u017ee na konkr\u00e9tn\u00ed \u00fav\u011br a nelze je uzav\u0159\u00edt samostatn\u011b. Z\u00edskat poji\u0161t\u011bn\u00ed bez dal\u0161\u00edch z\u00e1vazk\u016f prost\u011b nejde.<\/p>\n<p>Podm\u00ednky poji\u0161t\u011bn\u00ed plat\u00ed pro v\u0161echny poji\u0161t\u011bn\u00e9 klienty stejn\u011b. To znamen\u00e1, \u017ee pro sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed (resp. za\u0159azen\u00ed do poji\u0161t\u011bn\u00ed) \u010dasto sta\u010d\u00ed splnit jen n\u011bkolik z\u00e1kladn\u00edch podm\u00ednek, nap\u0159\u00edklad:<\/p>\n<ul>\n<li>minim\u00e1ln\u00ed a maxim\u00e1ln\u00ed v\u011bk, oby\u010dejn\u011b 18\u201265 let,<\/li>\n<li>neb\u00fdt v\u00a0pracovn\u00ed neschopnosti,<\/li>\n<li>neb\u00fdt invalidn\u00ed nebo dr\u017eitelem pr\u016fkazu ZTP.<\/li>\n<\/ul>\n<p>P\u0159ed za\u0159azen\u00edm do poji\u0161t\u011bn\u00ed byste m\u011bli b\u00fdt sezn\u00e1meni s\u00a0jeho parametry a se za\u0159azen\u00edm do poji\u0161t\u011bn\u00ed je t\u0159eba souhlasit (nap\u0159. podpisem \u00fav\u011brov\u00e9 smlouvy nebo dodatku k\u00a0n\u00ed).<\/p>\n<p>Setkat se m\u016f\u017eete i s\u00a0pojmem nepojistiteln\u00e1 osoba. Popis je pot\u0159eba si dob\u0159e p\u0159e\u010d\u00edst.<\/p>\n<p>Bu\u010f tyto podm\u00ednky spl\u0148ujete a m\u016f\u017eete b\u00fdt poji\u0161t\u011bn, nebo je aktu\u00e1ln\u011b nespl\u0148ujete a poji\u0161t\u011bn\u00fd b\u00fdt nem\u016f\u017eete.<\/p>\n<p>P\u0159i vstupu do poji\u0161t\u011bn\u00ed nemus\u00edte u ni\u017e\u0161\u00edch \u00fav\u011br\u016f vypl\u0148ovat \u017e\u00e1dn\u00fd zdravotn\u00ed dotazn\u00edk, jak je to b\u011b\u017en\u00e9 u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. D\u00edky tomu, \u017ee poji\u0161\u0165ovna nezkoum\u00e1 v\u00e1\u0161 zdravotn\u00ed stav, va\u0161e zdravotn\u00ed historie nijak neovliv\u0148uje cenu poji\u0161t\u011bn\u00ed.<\/p>\n<p>I v\u00a0p\u0159\u00edpad\u011b, \u017ee jste ji\u017e prod\u011blal n\u011bkterou z\u00a0v\u00e1\u017en\u00fdch nemoc\u00ed nebo \u00faraz\u016f, nebudete m\u00edt \u017e\u00e1dn\u00e9 individu\u00e1ln\u00ed v\u00fdluky. POZOR! V\u00a0praxi to v\u0161ak znamen\u00e1, \u017ee jste poji\u0161t\u011bni jen na nemoci, kter\u00e9 nastanou a\u017e v\u00a0dob\u011b trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed. Pokud p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed budete v\u00a0pracovn\u00ed neschopnosti nebo se stanete invalidn\u00ed, \u010di dokonce um\u0159ete na nemoc, kter\u00e1 se u v\u00e1s projevila p\u0159ed vznikem poji\u0161t\u011bn\u00ed, poji\u0161\u0165ovna nic nevyplat\u00ed.<\/p>\n<p>V\u0161echny nemoci, kter\u00e9 ji\u017e m\u00e1te p\u0159ed vznikem poji\u0161t\u011bn\u00ed, jsou ve v\u00fdluk\u00e1ch. Poji\u0161\u0165ovnu taky nezaj\u00edm\u00e1, jak\u00e9 m\u00e1te povol\u00e1n\u00ed ani jestli d\u011bl\u00e1te rizikov\u00e9 sporty.<\/p>\n<h2><strong>Co je poji\u0161t\u011bno?<\/strong><\/h2>\n<p>Podm\u00ednky a rozsah poji\u0161t\u011bn\u00ed s\u00a0poji\u0161\u0165ovnou nastavila finan\u010dn\u00ed instituce a plat\u00ed pro v\u0161echny klienty stejn\u011b. M\u016f\u017eete si tedy vybrat z\u00a0p\u0159edem dan\u00e9 nab\u00eddky kryt\u00ed, v\u011bt\u0161inou poskl\u00e1dan\u00fdch do bal\u00ed\u010dk\u016f.<\/p>\n<p>Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet nej\u010dast\u011bji zahrnuje:<\/p>\n<ul>\n<li>\u00damrt\u00ed.<\/li>\n<li>Invaliditu, v\u011bt\u0161inou pouze 3. stupe\u0148 nebo kombinaci 2. a 3. stupn\u011b.<\/li>\n<li>Pracovn\u00ed neschopnost.<\/li>\n<li>V\u00a0<strong>\u0161ir\u0161\u00edch<\/strong> bal\u00ed\u010dc\u00edch i nedobrovolnou ztr\u00e1tu zam\u011bstn\u00e1n\u00ed.<\/li>\n<\/ul>\n<p>Jednotliv\u00e1 kryt\u00ed si ale nem\u016f\u017eete libovoln\u011b volit. M\u016f\u017eete si vybrat z\u00a0nab\u00edzen\u00fdch bal\u00ed\u010dk\u016f, kde jsou pojistn\u00e1 nebezpe\u010d\u00ed dan\u00e1, a vy si je vezmete bu\u010f v\u0161echna, nebo \u017e\u00e1dn\u00e9.<\/p>\n<h2><strong>Kdo dostane pen\u00edze a kolik?<\/strong><\/h2>\n<p>Poji\u0161t\u011bn\u00ed m\u00e1 pomoci se <a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2024\/03\/25\/coby-kdyby-aneb-pribeh-o-velkem-snu-ktery-mohl-skoncit-stastne-hned-napoprve\/\">spl\u00e1cen\u00edm \u00fav\u011bru<\/a>. Nastaven\u00ed \u00fav\u011bru proto ur\u010duje i to, kdo a kolik pen\u011bz z\u00a0poji\u0161t\u011bn\u00ed dostane. V\u00a0tomto p\u0159\u00edpad\u011b to nemus\u00edte b\u00fdt vy nebo va\u0161e rodina, ale banka, kter\u00e1 hypot\u00e9ku nebo \u00fav\u011br poskytla. Poji\u0161t\u011bn\u00ed zajist\u00ed, \u017ee va\u0161e z\u00e1vazky bude m\u00edsto v\u00e1s plnit poji\u0161\u0165ovna. Nenastavujete pojistn\u00e9 \u010d\u00e1stky, na kter\u00e9 se poji\u0161\u0165ujete. V\u0161e je d\u00e1no zb\u00fdvaj\u00edc\u00ed v\u00fd\u0161\u00ed \u00fav\u011bru a m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek.<\/p>\n<p>Pojistn\u00fdm pln\u011bn\u00edm je pak va\u0161e spl\u00e1tka hypot\u00e9ky \u010di \u00fav\u011bru nebo postupn\u011b klesaj\u00edc\u00ed jistina.<\/p>\n<p>V\u00a0p\u0159\u00edpad\u011b pracovn\u00ed neschopnosti nebo ztr\u00e1ty zam\u011bstn\u00e1n\u00ed poji\u0161\u0165ovna vypl\u00e1c\u00ed pln\u011bn\u00ed nej\u010dast\u011bji ve v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. P\u0159i invalidit\u011b a \u00famrt\u00ed pak obvykle doplat\u00ed nesplacenou \u010d\u00e1st hypot\u00e9ky nebo \u00fav\u011bru.<\/p>\n<p>Pojistn\u00e9 pln\u011bn\u00ed z\u00a0poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet je v\u011bt\u0161inou vypl\u00e1ceno p\u0159\u00edmo bance.<\/p>\n<p>A to jak nesplacen\u00e1 jistina s\u00a0nab\u011bhl\u00fdm \u00farokem v\u00a0p\u0159\u00edpad\u011b \u00famrt\u00ed a invalidity, tak m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky hypot\u00e9ky v\u00a0p\u0159\u00edpad\u011b pracovn\u00ed neschopnosti nebo ztr\u00e1ty zam\u011bstn\u00e1n\u00ed.<\/p>\n<p>Likvidace pojistn\u00e9 ud\u00e1losti ale n\u011bjak\u00fd \u010das zabere. Je nezbytn\u00e9, aby poji\u0161t\u011bn\u00fd platil bance pravideln\u00e9 spl\u00e1tky i pot\u00e9, co nahl\u00e1sil pojistnou ud\u00e1lost.<\/p>\n<p>P\u0159i neplacen\u00ed spl\u00e1tek se m\u016f\u017ee st\u00e1t, \u017ee banka smlouvu p\u0159ed\u010dasn\u011b ukon\u010d\u00ed, a t\u00edm p\u0159estane platit i poji\u0161t\u011bn\u00ed do budoucna.<\/p>\n<p>D\u016fle\u017eit\u00e9 je uv\u011bdomit si, \u017ee poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet pokr\u00fdv\u00e1 pouze a jen spl\u00e1tku, kterou plat\u00edte bance jistinu a \u00faroky, je\u017e v\u00e1m banka p\u016fj\u010dila na va\u0161i nemovitost. \u017d\u00e1dn\u00e9 dal\u0161\u00ed v\u00fddaje rodiny, kter\u00e9 krom\u011b hypot\u00e9ky mus\u00edte pravideln\u011b platit, bez ohledu na to, zda m\u00e1te, nebo nem\u00e1te p\u0159\u00edjem, nejsou poji\u0161t\u011bn\u00edm kryt\u00e9. Spl\u00e1tku za auto, z\u00e1lohy na energie, na n\u011b\u017e nebudete v\u00a0pracovn\u00ed neschopnosti m\u00edt, mus\u00edte zajistit jin\u00fdm zp\u016fsobem. Ide\u00e1ln\u00edm \u0159e\u0161en\u00edm je <a href=\"http:\/\/www.mutumutu.cz\/\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>.<\/p>\n<h2><strong>Kdy je konec poji\u0161t\u011bn\u00ed?<\/strong><\/h2>\n<p>Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet je nav\u00e1z\u00e1no na\u00a0konkr\u00e9tn\u00ed hypot\u00e9ku \u010di \u00fav\u011br. Pokud jsou p\u0159ed\u010dasn\u011b ukon\u010den\u00e9, nap\u0159\u00edklad p\u0159ed\u010dasn\u00fdm splacen\u00edm nebo zesplatn\u011bn\u00edm p\u0159i neplacen\u00ed spl\u00e1tek, poji\u0161t\u011bn\u00ed kon\u010d\u00ed tak\u00e9.<\/p>\n<p>Dokonce se m\u016f\u017ee st\u00e1t, \u017ee poji\u0161t\u011bn\u00ed poskytuje pojistnou ochranu krat\u0161\u00ed dobu, ne\u017e je trv\u00e1n\u00ed \u00fav\u011bru. Banky dnes poskytuj\u00ed \u00fav\u011bry do vysok\u00e9ho v\u011bku, t\u0159eba a\u017e do 70 let. Ale poji\u0161t\u011bn\u00ed m\u016f\u017ee trvat krat\u0161\u00ed dobu, nap\u0159\u00edklad jen do 65 let. V\u00a0takov\u00e9m p\u0159\u00edpad\u011b nejsou spl\u00e1tky ani zbytek \u00fav\u011bru posledn\u00edch 5 let poji\u0161t\u011bny.<\/p>\n<h2><strong>Jak\u00e1 je cena?<\/strong><\/h2>\n<p>Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet je nav\u00e1z\u00e1no na spl\u00e1tku nebo v\u00fd\u0161i \u00fav\u011bru. Jeho cena se obvykle po\u010d\u00edt\u00e1 procentem z\u00a0v\u00fd\u0161e spl\u00e1tky. \u010c\u00edm vy\u0161\u0161\u00ed m\u00e1te spl\u00e1tku nebo \u00fav\u011br, t\u00edm vy\u0161\u0161\u00ed plat\u00edte pojistn\u00e9. U ni\u017e\u0161\u00edch \u00fav\u011br\u016f s\u00a0ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tkou m\u016f\u017ee b\u00fdt poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet levn\u011bj\u0161\u00ed ne\u017e pr\u016fm\u011brn\u00e9 m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 u b\u011b\u017en\u00e9ho <a href=\"https:\/\/mutumutu.cz\/\">\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a>.<\/p>\n<p>Banky nab\u00edz\u00ed klient\u016fm, kte\u0159\u00ed si toto poji\u0161t\u011bn\u00ed sjednaj\u00ed, \u010dasto slevu na \u00faroc\u00edch. Nap\u0159\u00edklad kdy\u017e v\u00e1m banka spo\u010d\u00edt\u00e1 hypot\u00e9ku s\u00a0\u00farokem 5 % a vy si k\u00a0hypot\u00e9ce sjedn\u00e1te i jej\u00ed poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet, sn\u00ed\u017e\u00ed v\u00e1m \u00farok na 4,9 %. Sleva na \u00faroku se u jednotliv\u00fdch bank li\u0161\u00ed.<\/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 Mutumutu<\/a><\/div><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nast\u00e1v\u00e1 dal\u0161\u00ed etapa va\u0161eho \u017eivota! Poda\u0159ilo se v\u00e1m naj\u00edt kr\u00e1sn\u00e9 bydlen\u00ed pro rodinu a vy\u0159e\u0161ili jste i jeho financov\u00e1n\u00ed. To je velk\u00e1 radost, kter\u00e1 se v\u0161ak m\u016f\u017ee zm\u011bnit ve velkou starost. Jak to nedopustit? Nejlep\u0161\u00ed je si uzav\u0159\u00edt poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet nebo si sjednat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Poj\u010fme se pod\u00edvat, jak se tato od sebe li\u0161\u00ed.  &#8230;<\/p>\n","protected":false},"author":49,"featured_media":5420,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,30,5],"tags":[490,213,216],"class_list":["post-5419","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","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5419","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=5419"}],"version-history":[{"count":6,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5419\/revisions"}],"predecessor-version":[{"id":5508,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5419\/revisions\/5508"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/5420"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=5419"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=5419"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=5419"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}