{"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":"2023-08-14T16:58:23","modified_gmt":"2023-08-14T14:58:23","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>\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>, co\u017e ukazuje posledn\u00ed pr\u016fzkum \u010cesk\u00e9 asociace poji\u0161\u0165oven. Chcete svoje obavy eliminovat pomoc\u00ed <a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\" target=\"_blank\" rel=\"noopener\" title=\"\u017eivotn\u00edho poji\u0161t\u011bn\u00ed\">\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 pojistn\u00e9 ud\u00e1losti. Poskytuje v\u00e1m a va\u0161im bl\u00edzk\u00fdm pomoc v p\u0159\u00edpad\u011b n\u00e1sledk\u016f \u00farazu, invalidity, pobytu v nemocnici atd. 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 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, my doporu\u010dujeme pojistku nastavit <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 rixo.cz<\/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 pojistn\u00e9 poji\u0161\u0165ovna nakupuje pod\u00edlov\u00e9&nbsp; 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&nbsp; 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.<\/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 dodan\u00edte \u017eivotn\u00ed poji\u0161t\u011bn\u00ed 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&nbsp; nab\u00eddku poji\u0161t\u011bn\u00ed. Poji\u0161\u0165ovna ji p\u0159ijala, vy jste sv\u00fdm podpisem 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>\u010dekac\u00ed doby<\/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 href=\"https:\/\/www.rixo.cz\/urazove-pojisteni\/\" target=\"_blank\" rel=\"noopener\" title=\"\u00farazov\u00e9 poji\u0161t\u011bn\u00ed\">\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).<\/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 kr\u00e1tit 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 v\u00fdluk 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 pracovn\u00ed neschopnosti. 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.<\/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>. 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 pojistn\u00e9 pln\u011bn\u00ed 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","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":6,"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\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1168"}],"version-history":[{"count":11,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1168\/revisions"}],"predecessor-version":[{"id":2772,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1168\/revisions\/2772"}],"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}]}}