{"id":1168,"date":"2023-03-15T14:36:13","date_gmt":"2023-03-15T13:36:13","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1168"},"modified":"2026-08-05T13:44:30","modified_gmt":"2026-08-05T11:44:30","slug":"jak-funguje-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/jak-funguje-zivotni-pojisteni\/","title":{"rendered":"Jak funguje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?"},"content":{"rendered":"\n<p><em>Aktualizov\u00e1no 31. 7. 2026<\/em><\/p>\n\n\n\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed je u n\u00e1s t\u0159et\u00edm nej\u010dast\u011bji uzav\u00edran\u00fdm poji\u0161t\u011bn\u00edm. V\u00edc pozornosti \u010ce\u0161i v\u011bnuj\u00ed autopoji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed dom\u00e1cnosti. P\u0159itom \u00famrt\u00ed a souvisej\u00edc\u00ed <strong>v\u00fdpadek p\u0159\u00edjmu pro bl\u00edzk\u00e9 osoby nebo \u010dleny rodiny p\u0159edstavuje riziko pro 51 % \u010cech\u016f<\/strong>, jak ukazuje pr\u016fzkum \u010cesk\u00e9 asociace poji\u0161\u0165oven. Chcete svoje obavy eliminovat pomoc\u00ed <a title=\"\u017eivotn\u00edho poji\u0161t\u011bn\u00ed\" href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\" target=\"_blank\" rel=\"noopener\">\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a>? Poj\u010fme se pod\u00edvat, jak takov\u00fd produkt funguje.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Druhy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p>V poji\u0161\u0165ovnictv\u00ed se m\u016f\u017eete setkat se \u010dty\u0159mi z\u00e1kladn\u00edmi druhy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed:<\/p>\n\n\n\n<ul>\n<li>Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/li>\n\n\n\n<li>Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/li>\n\n\n\n<li>Kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/li>\n\n\n\n<li>D\u016fchodov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n<p>Nej\u010dast\u011bji uzav\u00edran\u00fd druh &#8220;\u017eivotka&#8221;. Obsahuje pojistn\u00e9 \u010d\u00e1stky, kter\u00e9 v\u00e1m poji\u0161\u0165ovna vyplat\u00ed v p\u0159\u00edpad\u011b <a href=\"https:\/\/www.rixo.cz\/slovnik\/pojistna-udalost\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/pojistna-udalost\/\">pojistn\u00e9 ud\u00e1losti<\/a>. Poskytuje v\u00e1m a va\u0161im bl\u00edzk\u00fdm pomoc v p\u0159\u00edpad\u011b n\u00e1sledk\u016f \u00farazu, invalidity, pobytu v nemocnici a dal\u0161\u00edch situac\u00edch. Hod\u00ed se zejm\u00e9na pro klienty, kte\u0159\u00ed cht\u011bj\u00ed <strong>zabezpe\u010dit rodinu<\/strong> v p\u0159\u00edpad\u011b sv\u00e9 smrti nebo zajistit sv\u00e9 finan\u010dn\u00ed z\u00e1vazky.&nbsp;<\/p>\n\n\n\n<p>Doba trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed z\u00e1le\u017e\u00ed na individu\u00e1ln\u00edch pot\u0159eb\u00e1ch klienta, nej\u010dast\u011bji se ale nastavuje <strong>do 65 let v\u011bku pojistn\u00edka<\/strong>. Pokud smlouvu vypov\u00edte, nedostanete od poji\u0161\u0165ovny \u017e\u00e1dn\u00e9 pln\u011bn\u00ed (pojistka neobsahuje investi\u010dn\u00ed slo\u017eku). Tento druh \u017eivotka si sjedn\u00e1te u n\u00e1s na <a href=\"https:\/\/www.rixo.cz\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/\">rixo.cz<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n<p>Stejn\u011b jako v p\u0159edchoz\u00edm bod\u011b uzav\u0159en\u00edm takov\u00e9ho poji\u0161t\u011bn\u00ed <strong>zabezpe\u010d\u00edte sv\u00e9 bl\u00edzk\u00e9 <\/strong>v p\u0159\u00edpad\u011b smrti nebo v\u00e1\u017en\u00fdch zdravotn\u00edch komplikac\u00ed. I tady plat\u00ed, \u017ee v\u00e1m pojistka garantuje zvolenou \u010d\u00e1stku vyplacenou v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti. Nav\u00edc toto poji\u0161t\u011bn\u00ed zahrnuje i tzv. do\u017eit\u00ed, tj. v\u00fdplatu ur\u010dit\u00e9 \u010d\u00e1stky p\u0159i ukon\u010den\u00ed poji\u0161t\u011bn\u00ed k dohodnut\u00e9mu datu.&nbsp;<\/p>\n\n\n\n<p>Za va\u0161e <a href=\"https:\/\/www.rixo.cz\/slovnik\/pojistne\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/pojistne\/\">pojistn\u00e9<\/a> poji\u0161\u0165ovna nakupuje pod\u00edlov\u00e9 jednotky , kter\u00e9 ty jsou evidov\u00e1ny&nbsp; na va\u0161em \u00fa\u010dtu. T\u00edm usilujete prost\u0159ednictv\u00edm poji\u0161t\u011bn\u00ed o <strong>zhodnocen\u00ed financ\u00ed<\/strong> a z\u00e1rove\u0148 na sebe berete riziko souvisej\u00edc\u00ed s investic\u00ed. M\u00edra oboj\u00edho z\u00e1le\u017e\u00ed na v\u00e1mi zvolen\u00e9 investi\u010dn\u00ed strategii. Pom\u011br mezi pojistnou ochranou a zhodnocen\u00edm pen\u011bz m\u016f\u017eete v dob\u011b trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed m\u011bnit.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\" style=\"background-color:#1aaf5e\">Srovnejte si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Tento druh \u017eivotka se obvykle uzav\u00edr\u00e1 alespo\u0148 na 10 let, abyste eliminovali investi\u010dn\u00ed rizika spjat\u00e1 s kol\u00eds\u00e1n\u00edm finan\u010dn\u00edch trh\u016f. Prvn\u00edch n\u011bkolik let se nav\u00edc z pojistn\u00e9ho plat\u00ed p\u0159edev\u0161\u00edm poplatky a provize z\u00edskateli.<\/p>\n\n\n\n<p><strong>V\u00fdhodou produktu je jeho da\u0148ov\u00e1 uznatelnost<\/strong>. Sta\u010d\u00ed splnit n\u011bkolik podm\u00ednek (poji\u0161\u0165ujete sami sebe, smlouva trv\u00e1 alespo\u0148 5 let a do 60 let va\u0161eho v\u011bku) a z da\u0148ov\u00e9ho z\u00e1kladu si ode\u010d\u00edt\u00e1te zaplacen\u00e9 pojistn\u00e9 (ale poji\u0161t\u011bn\u00ed \u00farazu \u010di z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed se do da\u0148ov\u011b uznateln\u00e9 \u010d\u00e1stky nezapo\u010d\u00edt\u00e1v\u00e1). Potvrzen\u00ed o v\u00fd\u0161i \u010d\u00e1stky uplatniteln\u00e9 v da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed v\u00e1m v\u017edy poskytne va\u0161e poji\u0161\u0165ovna. Jej\u00ed maximum je <strong>stanoveno z\u00e1konem na 24 000 K\u010d ro\u010dn\u011b (co\u017e generuje \u00fasporu ve v\u00fd\u0161i 3 600 K\u010d)<\/strong>.<\/p>\n\n\n\n<p>Uzav\u0159en\u00ed investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed si pe\u010dliv\u011b promyslete. Pokud se rozhodnete smlouvu ukon\u010dit p\u0159ed\u010dasn\u011b, p\u0159ijdete o pojistn\u00e9 kryt\u00ed, zaplat\u00edte poji\u0161\u0165ovn\u011b poplatek za p\u0159ed\u010dasn\u00e9 ukon\u010den\u00ed smlouvy a <a href=\"https:\/\/www.rixo.cz\/blog\/dodaneni-zruseneho-zivotniho-pojisteni-navod-jak-na-to\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/dodaneni-zruseneho-zivotniho-pojisteni-navod-jak-na-to\/\">dodan\u00edte \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> za posledn\u00edch 10 let a pokud v\u00e1m p\u0159isp\u00edval na poji\u0161t\u011bn\u00ed zam\u011bstnavatel, tak i jeho p\u0159\u00edsp\u011bvky.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n<p>I tato varianta zahrnuje poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti nebo do\u017eit\u00ed na zvolenou \u010d\u00e1stku. Na rozd\u00edl od investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed v\u00edce vyhovuje konzervativn\u011bj\u0161\u00edm klient\u016fm, proto\u017ee <strong>zaru\u010duje garantovan\u00e9 minim\u00e1ln\u00ed zhodnocen\u00ed finan\u010dn\u00edch prost\u0159edk\u016f<\/strong>. I tady funguje da\u0148ov\u00e1 uznatelnost zaplacen\u00e9ho pojistn\u00e9ho (z\u00e1kladn\u00ed podm\u00ednky uznatelnosti jsou stejn\u00e9). Nev\u00fdhodou je pak men\u0161\u00ed p\u0159edpokl\u00e1dan\u00fd v\u00fdnos a fakt, \u017ee <strong>nastaven\u00ed pojistky nem\u016f\u017eete libovoln\u011b m\u011bnit<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">D\u016fchodov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n<p>Jedn\u00e1 se o poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad do\u017eit\u00ed, kdy se pojistn\u00e9 pln\u011bn\u00ed vypl\u00e1c\u00ed ve form\u011b do\u017eivotn\u00edho d\u016fchodu, d\u016fchodu po stanovenou dobu nebo ve form\u011b jednor\u00e1zov\u00e9ho pln\u011bn\u00ed. Toto poji\u0161t\u011bn\u00ed <strong>u\u017e na trhu nen\u00ed p\u0159\u00edli\u0161 dostupn\u00e9<\/strong>. Neple\u0165te si ho s penzijn\u00edm p\u0159ipoji\u0161t\u011bn\u00edm, na kter\u00e9 v\u00e1m mo\u017en\u00e1 p\u0159isp\u00edv\u00e1 v\u00e1s zam\u011bstnavatel. Jde o dva odli\u0161n\u00e9 produkty.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 ot\u00e1zky si p\u0159ed sjedn\u00e1n\u00edm \u017eivotn\u00edho poji\u0161t\u011bn\u00ed polo\u017eit?<\/h2>\n\n\n\n<p>Ne\u017e se na sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed vrhnete, zamyslete se nad t\u00edm, jak\u00e1 je va\u0161e \u017eivotn\u00ed situace a motivace smlouvu uzav\u00edrat. N\u00e1\u0161 <a href=\"https:\/\/www.rixo.cz\/blog\/pruvodce-zivotnim-pojistenim\">pr\u016fvodce \u017eivotn\u00edm poji\u0161t\u011bn\u00edm<\/a> v\u00e1m polo\u017e\u00ed sedm jednoduch\u00fdch ot\u00e1zek, kter\u00e9 v\u00e1s nasm\u011bruj\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak se posuzuje zdravotn\u00ed stav p\u0159i sjedn\u00e1n\u00ed zdravotn\u00edho poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p>P\u0159i posuzov\u00e1n\u00ed zdravotn\u00edho stavu bude poji\u0161\u0165ovnu zaj\u00edmat:<\/p>\n\n\n\n<ul>\n<li>v\u00e1\u0161 v\u011bk, v\u00fd\u0161ka, v\u00e1ha<\/li>\n\n\n\n<li>jestli m\u00e1te manu\u00e1ln\u00ed nebo administrativn\u00ed pr\u00e1ci, v jak nebezpe\u010dn\u00e9m provozu se pohybujete<\/li>\n\n\n\n<li>jestli sportujete, jak \u010dasto a na jak\u00e9 \u00farovni, jestli se v\u011bnujete rizikov\u00fdm sport\u016fm<\/li>\n\n\n\n<li>jestli se l\u00e9\u010d\u00edte s n\u011bjakou chorobou a berete dlouhodob\u011b n\u011bjak\u00e9 l\u00e9ky, p\u0159\u00edpadn\u011b kter\u00e9<\/li>\n\n\n\n<li>jestli jste byl(a) v posledn\u00edch sedmi letech v pracovn\u00ed neschopnosti d\u00e9le ne\u017e 14 dn\u00ed<\/li>\n\n\n\n<li>jestli <a href=\"https:\/\/www.rixo.cz\/blog\/koureni-vaping-a-zivotni-pojisteni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/koureni-vaping-a-zivotni-pojisteni\/\">kou\u0159\u00edte<\/a> (pokud ano, kolik cigaret denn\u011b), pijete alkohol, u\u017e\u00edv\u00e1te n\u00e1vykov\u00e9 l\u00e1tky<\/li>\n<\/ul>\n\n\n\n<p>Je norm\u00e1ln\u00ed, \u017ee m\u00e1te p\u0159i formulaci odpov\u011bd\u00ed chu\u0165 si skute\u010dnost trochu p\u0159ikr\u00e1\u0161lit (obzvl\u00e1\u0161\u0165 s vidinou ni\u017e\u0161\u00ed ceny pojistky). P\u0159esto v\u00e1s pros\u00edme: ned\u011blejte to. Specialist\u00e9 poji\u0161t\u011bn\u00ed se sna\u017e\u00ed pojistku nastavit tak, aby maxim\u00e1ln\u011b reflektovala rizika, kter\u00e1 v\u00e1m hroz\u00ed.<strong> Lhan\u00edm po\u0161kozujete sami sebe<\/strong>. Nav\u00edc si koledujete o trapnou chvilku, pokud si poji\u0161\u0165ovna vy\u017e\u00e1d\u00e1 v\u00fdpis zdravotn\u00ed dokumentace od va\u0161eho praktick\u00e9ho l\u00e9ka\u0159e nebo v\u00e1s rovnou po\u0161le ke sv\u00e9mu smluvn\u00edmu doktorovi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Od kdy je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed platn\u00e9?<\/h2>\n\n\n\n<p>Probrali jste se specialistou \u017eivotn\u00edho poji\u0161t\u011bn\u00ed nab\u00eddku poji\u0161t\u011bn\u00ed. Poji\u0161\u0165ovna ji p\u0159ijala, vy jste sv\u00fdm podpisem nebo platbou uzav\u0159eli pojistnou smlouvu a uhradili stanoven\u00e9 pojistn\u00e9. Znamen\u00e1 to ov\u0161em, \u017ee pokud se v\u00e1m n\u011bco stane druh\u00fd den po uzav\u0159en\u00ed smlouvy, m\u00e1te n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed?<\/p>\n\n\n\n<p>V \u00favahu mus\u00edte br\u00e1t tzv. <strong><a href=\"https:\/\/www.rixo.cz\/blog\/cekaci-doba-u-pojisteni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/cekaci-doba-u-pojisteni\/\">\u010dekac\u00ed doby<\/a><\/strong>. T\u011bmi se poji\u0161\u0165ovny br\u00e1n\u00ed proti pojistn\u00fdm podvod\u016fm a klient\u016fm, kte\u0159\u00ed by \u017eivotn\u00ed a <a title=\"\u00farazov\u00e9 poji\u0161t\u011bn\u00ed\" href=\"https:\/\/www.rixo.cz\/urazove-pojisteni\/\" target=\"_blank\" rel=\"noopener\">\u00farazov\u00e9 poji\u0161t\u011bn\u00ed<\/a> uzav\u00edrali v situaci, kdy se jejich zdravotn\u00ed stav u\u017e zhor\u0161uje. Pokud \u017eivotko \u0159e\u0161\u00edte s na\u0161\u00edm specialistou, v\u017edy v\u00e1s na \u010dekac\u00ed doby upozorn\u00ed.<\/p>\n\n\n\n<p>Pro lep\u0161\u00ed pochopen\u00ed se pod\u00edvejme na n\u011bkolik p\u0159\u00edklad\u016f typick\u00fdch \u010dekac\u00edch dob (lh\u016fta se po\u010d\u00edt\u00e1 od po\u010d\u00e1tku poji\u0161t\u011bn\u00ed). Zat\u00edmco u star\u0161\u00edch smluv se sjedn\u00e1valy del\u0161\u00ed \u010dekac\u00ed doby, u aktu\u00e1ln\u00edch nab\u00eddek poji\u0161t\u011bn\u00ed po\u010d\u00edtejte s velmi kr\u00e1tk\u00fdmi dobami &#8211; nej\u010dast\u011bji jde o 2 m\u011bs\u00edce. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Pojistn\u00e1 ud\u00e1lost<\/strong><\/td><td><strong>Obvykl\u00e1 d\u00e9lka \u010dekac\u00ed doby&nbsp;<\/strong><\/td><\/tr><tr><td>Invalidita v d\u016fsledku nemoci<\/td><td>2 m\u011bs\u00edce a\u017e 2 roky<\/td><\/tr><tr><td>Smrt v d\u016fsledku nemoci<\/td><td>2 m\u011bs\u00edce a\u017e 2 roky<\/td><\/tr><tr><td>Z\u00e1va\u017en\u00e9 onemocn\u011bn\u00ed<\/td><td>3 a\u017e 6 m\u011bs\u00edc\u016f<\/td><\/tr><tr><td>Pracovn\u00ed neschopnost z d\u016fvodu nemoci<\/td><td>3 a\u017e 9 m\u011bs\u00edc\u016f<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 v\u00fdluky m\u016f\u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u00edt?<\/h2>\n\n\n\n<p>P\u0159ed uzav\u0159en\u00edm pojistky se pe\u010dliv\u011b seznamte s d\u016fvody, na z\u00e1klad\u011b kter\u00fdch m\u016f\u017ee poji\u0161\u0165ovna pln\u011bn\u00ed <a href=\"https:\/\/www.rixo.cz\/slovnik\/kraceni-plneni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/kraceni-plneni\/\">kr\u00e1tit<\/a> nebo odm\u00edtnout. Jejich p\u0159esn\u00e9 se u ka\u017ed\u00e9 poji\u0161\u0165ovny li\u0161\u00ed, ale obecn\u011b plat\u00ed, \u017ee do <a href=\"https:\/\/www.rixo.cz\/slovnik\/vyluky-z-pojisteni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/vyluky-z-pojisteni\/\">v\u00fdluk<\/a> pat\u0159\u00ed <strong>smrt v d\u016fsledku terorismu \u010di v\u00e1le\u010dn\u00e9ho konfliktu, d\u016fsledky trestn\u00e9ho \u010dinu zp\u016fsoben\u00e9ho vlastn\u00ed vinou nebo provozov\u00e1n\u00edm nebezpe\u010dn\u00fdch a extr\u00e9mn\u00edch sport\u016f<\/strong>. Problematick\u00e9 je tak\u00e9 kryti <strong>psychick\u00fdch onemocn\u011bn\u00ed nebo sebevra\u017edy.&nbsp;<\/strong><\/p>\n\n\n\n<p>Do v\u00fdluk tak\u00e9 spadaj\u00ed va\u0161e <strong>zdravotn\u00ed probl\u00e9my, kter\u00e9 byly zn\u00e1my u\u017e p\u0159ed uzav\u0159en\u00edm \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong>. Dejme tomu, \u017ee kv\u016fli bolesti zad skon\u010d\u00edte v n\u011bkolikam\u011bs\u00ed\u010dn\u00ed <a href=\"https:\/\/www.rixo.cz\/blog\/nemocenske-pojisteni-a-pracovni-neschopnost-v-zivotku\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/nemocenske-pojisteni-a-pracovni-neschopnost-v-zivotku\/\">pracovn\u00ed neschopnosti<\/a>. A\u010dkoliv poji\u0161\u0165ovna nem\u00e1 onemocn\u011bn\u00ed zad ve v\u00fdluk\u00e1ch, m\u016f\u017ee odm\u00edtnout v\u00e1s od\u0161kodnit s odkazem na to, \u017ee jste se stejnou diagn\u00f3zou byl(a) na neschopence p\u0159ed \u0161esti lety. Nej\u010dast\u011bj\u0161\u00ed d\u016fvody odm\u00edtnut\u00ed pln\u011bn\u00ed jsme popsali v \u010dl\u00e1nku <a href=\"https:\/\/www.rixo.cz\/blog\/proc-jste-nedostali-plneni-z-zivotniho-pojisteni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/proc-jste-nedostali-plneni-z-zivotniho-pojisteni\/\">Pro\u010d jste nedostali pln\u011bn\u00ed z \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a>. <\/p>\n\n\n\n<p>Jak se ve smluvn\u00edch podm\u00ednk\u00e1ch a v\u00fdluk\u00e1ch orientovat? Spolehnout se m\u016f\u017eete na na\u0161e <strong>specialisty \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong>, na kter\u00e9 se m\u016f\u017eete obr\u00e1tit jak\u00fdkoliv den v t\u00fddnu. Trp\u011bliv\u011b v\u00e1s provedou detaily jednotliv\u00fdch nab\u00eddek a zodpov\u00ed v\u00e1m jakoukoliv ot\u00e1zku, kter\u00e1 v\u00e1s v souvislosti se \u017eivotn\u00edm poji\u0161t\u011bn\u00edm napad\u00e1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kdo dostane pen\u00edze ze \u017eivotn\u00edho poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p>P\u0159i uzav\u0159en\u00ed smlouvy v\u00e1s \u010dek\u00e1 stanoven\u00ed tzv. <strong>obmy\u0161len\u00e9 osoby<\/strong> pro v\u00fdplatu pln\u011bn\u00ed z <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-pro-pripad-smrti\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/pojisteni-pro-pripad-smrti\/\">poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti<\/a>. Pokud zem\u0159ete, poji\u0161\u0165ovna vyplat\u00ed pen\u00edze pr\u00e1v\u011b j\u00ed. Dle z\u00e1kona m\u00e1 obmy\u0161len\u00fd p\u0159ednost p\u0159ed man\u017eelem, man\u017eelkou nebo d\u011btmi. T\u00edm, \u017ee <a href=\"https:\/\/www.rixo.cz\/slovnik\/pojistne-plneni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/pojistne-plneni\/\">pojistn\u00e9 pln\u011bn\u00ed<\/a> nevstupuje do d\u011bdick\u00e9ho \u0159\u00edzen\u00ed, dostane obmy\u0161len\u00fd pen\u00edze od poji\u0161\u0165ovny v\u011bt\u0161inou velmi brzy. Proto je vhodn\u00e9 uv\u00e9st i man\u017eelku nebo d\u011bti jako obmy\u0161len\u00e9, proto\u017ee pen\u00edze pak dostanou d\u0159\u00edve, ne\u017e kdyby \u010dekali na v\u00fdsledek d\u011bdick\u00e9ho \u0159\u00edzen\u00ed.<\/p>\n\n\n\n<p>Obmy\u0161len\u00fdm osob\u00e1m <strong>dejte v\u011bd\u011bt, \u017ee se jimi staly<\/strong>. Tak si budou pamatovat, \u017ee maj\u00ed na poji\u0161\u0165ovnu vzn\u00e9st po\u017eadavek, pokud se v\u00e1m n\u011bco stane. Nespol\u00e9hejte se na to, \u017ee poji\u0161\u0165ovna bude obmy\u0161len\u00e9 osoby sama aktivn\u011b hledat.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\" style=\"background-color:#ff8500\">Srovnejte si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00damrt\u00ed a souvisej\u00edc\u00ed v\u00fdpadek p\u0159\u00edjmu pro bl\u00edzk\u00e9 osoby nebo \u010dleny rodiny p\u0159edstavuje riziko pro 51 % \u010cech\u016f. P\u0159esto \u010dast\u011bji uzav\u00edr\u00e1me autopoji\u0161t\u011bn\u00ed nebo poji\u0161t\u011bn\u00ed dom\u00e1cnosti, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se n\u00e1m zd\u00e1 slo\u017eit\u00e9 a nesrozumiteln\u00e9. Poj\u010fme si vysv\u011btlit, jak \u017eivotko funguje.<\/p>\n","protected":false},"author":11,"featured_media":1170,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,8],"tags":[30],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1168"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1168"}],"version-history":[{"count":16,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1168\/revisions"}],"predecessor-version":[{"id":4408,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1168\/revisions\/4408"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1170"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1168"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1168"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}