{"id":1235,"date":"2023-03-31T14:58:43","date_gmt":"2023-03-31T12:58:43","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1235"},"modified":"2025-05-29T10:05:42","modified_gmt":"2025-05-29T08:05:42","slug":"jak-nastavit-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/jak-nastavit-zivotni-pojisteni\/","title":{"rendered":"Jak nastavit \u017eivotn\u00ed poji\u0161t\u011bn\u00ed"},"content":{"rendered":"\n<p>V posledn\u00edm \u010dl\u00e1nku jsme si uk\u00e1zali, jak <a href=\"https:\/\/www.rixo.cz\/blog\/jak-funguje-zivotni-pojisteni\/\">funguje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>. V n\u011bm jsme si tak\u00e9 vysv\u011btlili, jak\u00e9 ot\u00e1zky si p\u0159ed sjedn\u00e1n\u00edm polo\u017eit a na co se p\u0159ipravit v r\u00e1mci zdravotn\u00edho dotazn\u00edku. Dnes se pod\u00edv\u00e1me na dilemata spjat\u00e1 s nastaven\u00edm pojistky. Kter\u00e1 rizika si (od)pojistit? Co je to klesaj\u00edc\u00ed a konstantn\u00ed pojistn\u00e1 \u010d\u00e1stka? A jak\u00e9 kryt\u00ed doporu\u010duj\u00ed na\u0161i specialist\u00e9 sv\u00fdm klient\u016fm?&nbsp;<\/p>\n\n\n\n<p>TIP: P\u0159ed uzav\u0159en\u00edm pojistn\u00e9 smlouvy koukn\u011bte tak\u00e9 na na\u0161eho <a href=\"https:\/\/www.rixo.cz\/blog\/pruvodce-zivotnim-pojistenim\">pr\u016fvodce \u017eivotn\u00edm poji\u0161t\u011bn\u00edm<\/a>, kter\u00fd shrnuje sedm z\u00e1kladn\u00edch ot\u00e1zek, je\u017e v\u00e1s nasm\u011bruj\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e1 rizika by m\u011blo \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pokr\u00fdvat<\/h2>\n\n\n\n<p>Na z\u00e1klad\u011b na\u0161ich zku\u0161enost\u00ed doporu\u010dujeme v pojistce m\u00edt <strong>\u010dty\u0159i z\u00e1kladn\u00ed rizika<\/strong>: <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1) Smrt <\/h3>\n\n\n\n<p><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 rizika smrti<\/a> v\u00e1m pom\u016f\u017ee zabezpe\u010dit rodinu nebo osoby, kter\u00e9 jsou na v\u00e1s finan\u010dn\u011b z\u00e1visl\u00e9. M\u00e1te hypot\u00e9ku, \u010derp\u00e1te \u00fav\u011br, spl\u00e1c\u00edte leasing? V p\u0159\u00edpad\u011b va\u0161eho ne\u010dekan\u00e9ho odchodu \u010del\u00ed rodina nejen v\u00fdpadku p\u0159\u00edjmu, ale tak\u00e9 zadlu\u017een\u00ed. Na druhou stranu, pokud nikoho ne\u017eiv\u00edte a nem\u00e1te velk\u00e9 z\u00e1vazky, nemus\u00edte se poji\u0161\u0165ovat na vysokou \u010d\u00e1stku.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2) Invalidita<\/h3>\n\n\n\n<p>\u010c\u00e1st zdravotn\u00edch probl\u00e9m\u016f vy\u00fast\u00ed v invaliditu a p\u0159izn\u00e1n\u00ed invalidn\u00edho d\u016fchodu. \u010cast\u00fdm omylem b\u00fdv\u00e1 p\u0159edstava, \u017ee invalidita vznik\u00e1 nej\u010dast\u011bji z d\u016fvodu \u00farazu. A je to p\u0159esn\u011b naopak. 95 % invalidit je z d\u016fvodu nemoci a jen 5 % z d\u016fvodu \u00farazu. Typick\u00fdmi d\u016fvody pro p\u0159izn\u00e1n\u00ed invalidn\u00edho d\u016fchodu jsou probl\u00e9my se z\u00e1dy, du\u0161evn\u00ed choroby a rakovina. Dojde k poklesu va\u0161\u00ed pracovn\u00ed schopnosti i p\u0159\u00edjm\u016f. Smyslem <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-invalidity-vs-invalidni-duchod-rozdily-a-vyhody-zivotniho-pojisteni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/pojisteni-invalidity-vs-invalidni-duchod-rozdily-a-vyhody-zivotniho-pojisteni\/\">poji\u0161t\u011bn\u00ed invalidity<\/a> je pokryt\u00ed va\u0161ich v\u00fddaj\u016f a\u017e do d\u016fchodov\u00e9ho v\u011bku.\u00a0<\/p>\n\n\n\n<p>Rozli\u0161en\u00ed stup\u0148\u016f invalidity spo\u010d\u00edv\u00e1 v m\u00ed\u0159e poklesu pracovn\u00ed schopnosti ob\u010dana. Stupn\u011b invalidity p\u0159izn\u00e1v\u00e1 st\u00e1t, nikoliv poji\u0161\u0165ovny. Rozli\u0161ujeme n\u00e1sleduj\u00edc\u00ed stupn\u011b:<\/p>\n\n\n\n<ul>\n<li><strong>Prvn\u00ed stupe\u0148 (nap\u0159. tenisov\u00fd loket nebo karp\u00e1ln\u00ed tunel, pokles pracovn\u00ed schopnosti o 35 % a\u017e 49 %)<\/strong>. Vn\u00edm\u00e1te zdravotn\u00ed omezen\u00ed, ale po\u0159\u00e1d si dok\u00e1\u017eete n\u011bjakou \u010d\u00e1stku vyd\u011blat (i kdy\u017e t\u0159eba za cenu zm\u011bny povol\u00e1n\u00ed a zkr\u00e1cen\u00ed \u00favazku). Tento stupe\u0148 doporu\u010dujeme pojistit klient\u016fm, co se \u017eiv\u00ed manu\u00e1ln\u00ed prac\u00ed. Pokud m\u00e1te pr\u00e1ci administrativn\u00edho charakteru, do pojistky prvn\u00ed stupe\u0148 nezahrnujte.&nbsp;<\/li>\n\n\n\n<li><strong>Druh\u00fd stupe\u0148 (nap\u0159.&nbsp; ztr\u00e1ta kon\u010detiny, pokles pracovn\u00ed schopnosti o 50 % a\u017e o 69 %).<\/strong> V\u00e1\u0161 probl\u00e9m v\u00e1m zna\u010dn\u011b komplikuje \u017eivot, ale st\u00e1le si s n\u00edm dok\u00e1\u017eete p\u0159ivyd\u011blat.<\/li>\n\n\n\n<li><strong>T\u0159et\u00ed stupe\u0148 (nap\u0159. Alzheimer nebo hluchoslepota, pokles pracovn\u00ed schopnosti o 70 % a v\u00edce). <\/strong>Va\u0161e posti\u017een\u00ed v\u00e1m br\u00e1n\u00ed ve v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti. Ta sice \u010dasto nen\u00ed zcela nemo\u017en\u00e1 (kdy\u017e si p\u0159edstav\u00edte administrativn\u00edho pracovn\u00edka s amputovanou nohou), ale generuje vy\u0161\u0161\u00ed \u017eivotn\u00ed n\u00e1klady.<\/li>\n<\/ul>\n\n\n\n<p><strong>Spol\u00e9hat se na invalidn\u00ed d\u016fchod ur\u010dit\u011b nen\u00ed dobr\u00fd n\u00e1pad<\/strong>. Pro p\u0159edstavu uv\u00e1d\u00edme data za prosinec 2021, kdy pr\u016fm\u011brn\u00e1 v\u00fd\u0161e invalidn\u00edho d\u016fchodu pro invaliditu III. stupn\u011b dosahovala v prosinci 2021 hodnoty 13 422 K\u010d, u II. stupn\u011b invalidity 8 942 K\u010d a u nejni\u017e\u0161\u00edho stupn\u011b 7 642 K\u010d. Jist\u011b n\u00e1m d\u00e1te za pravdu, \u017ee z t\u011bchto \u010d\u00e1stek lze vy\u017e\u00edt jen velmi obt\u00ed\u017en\u011b.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3) Z\u00e1va\u017en\u00e9 nemoci<\/h3>\n\n\n\n<p>Rakovina, infarkt nebo mrtvice, to jsou nej\u010dast\u011bj\u0161\u00ed civiliza\u010dn\u00ed choroby. V r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je dobr\u00e9 si sjednat tzv. poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch nemoc\u00ed, kter\u00e9 obsahuje v\u017edy tyto diagn\u00f3zy a mnoho dal\u0161\u00edch nemoc\u00ed. Poji\u0161t\u011bn\u00ed rizika <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-nemoci-jak-a-proc-si-pojistit-zavazna-onemocneni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/pojisteni-nemoci-jak-a-proc-si-pojistit-zavazna-onemocneni\/\">z\u00e1va\u017en\u00fdch nemoc\u00ed<\/a> v\u00e1m pom\u016f\u017ee pokr\u00fdt n\u00e1klady spojen\u00e9 s l\u00e9\u010dbou onemocn\u011bn\u00ed nebo rehabilitac\u00ed, p\u0159\u00edpadn\u011b st\u0159edn\u011bdob\u00fd v\u00fdpadek p\u0159\u00edjm\u016f.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4) Trval\u00e9 n\u00e1sledky \u00farazu<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.rixo.cz\/blog\/trvale-nasledky-urazu-a-narok-na-plneni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/trvale-nasledky-urazu-a-narok-na-plneni\/\">Poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/a> v\u00e1m pom\u016f\u017ee v p\u0159\u00edpad\u011b, \u017ee se v\u00e1m stane \u00faraz, kter\u00fd\u00a0 zanech\u00e1\u00a0 trval\u00e9 t\u011blesn\u00e9 po\u0161kozen\u00ed a zt\u00ed\u017e\u00ed \u017eivotn\u00ed situaci. \u00darazy je mo\u017en\u00e9 pojistit v\u00a0 r\u016fzn\u00fdch variant\u00e1ch dle m\u00edry po\u0161kozen\u00ed a nab\u00eddky konkr\u00e9tn\u00ed poji\u0161\u0165ovny. V p\u0159\u00edpad\u011b leh\u010d\u00edch \u00faraz\u016f jde nap\u0159.\u00a0 o procento po\u0161kozen\u00ed t\u011bla v rozsahu od 0,001 %, u z\u00e1va\u017en\u011bj\u0161\u00edch \u00faraz\u016f jde o procento po\u0161kozen\u00ed t\u011bla v rozsahu od 10 %.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Rizika, kter\u00e1 se vyplat\u00ed a nevyplat\u00ed kr\u00fdt<\/h2>\n\n\n\n<p>Jak jsme zm\u00ednili, za kl\u00ed\u010dov\u00e1 rizika pova\u017eujeme smrt, invaliditu, z\u00e1va\u017en\u00e9 nemoci a trval\u00e9 n\u00e1sledky \u00farazu. <strong>Tato rizika by m\u011bla obsahovat ka\u017ed\u00e1 dobr\u00e1 \u017eivotn\u00ed smlouva<\/strong>. D\u00e1 se \u0159\u00edci, \u017ee jde o rizika, kter\u00e1 maj\u00ed dlouhodob\u00fd dopad.<\/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:#605db5\">Srovnejte si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Naproti tomu jsou rizika, kter\u00e1 maj\u00ed kr\u00e1tkodob\u00fd dopad, nap\u0159\u00edklad <strong>denn\u00ed od\u0161kodn\u00e9 \u00farazu.<\/strong> Toto riziko b\u00fdv\u00e1 popul\u00e1rn\u00ed z toho pohledu, \u017ee klient m\u00e1 pocit, \u017ee od poji\u0161\u0165ovny \u201cn\u011bco dostane\u201d. Jen\u017ee jde o pom\u011brn\u011b drah\u00e9 riziko, kdy \u010d\u00e1stku, kterou dostane za den l\u00e9\u010den\u00ed \u00farazu (nap\u0159. 500 K\u010d) zaplat\u00edte i m\u011bs\u00ed\u010dn\u011b poji\u0161\u0165ovn\u011b na pojistn\u00e9m. Ot\u00e1zka k zamy\u0161len\u00ed: jak \u010dasto se setk\u00e1v\u00e1te s \u00farazem, kter\u00fd v\u00e1s po\u0161le do pracovn\u00ed neschopnosti?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Klesaj\u00edc\u00ed versus konstantn\u00ed \u010d\u00e1stka<\/h2>\n\n\n\n<p>V \u017eivotn\u00edm poji\u0161t\u011bn\u00ed je pot\u0159eba myslet nejen na spr\u00e1vnou volbu rizik, ale tak\u00e9 na spr\u00e1vnou v\u00fd\u0161i a kombinaci pojistn\u00fdch \u010d\u00e1stek (v\u00fd\u0161i pen\u011bz vyplacen\u00fdch od poji\u0161\u0165ovny, kdy\u017e se v\u00e1m n\u011bco stane). Rozli\u0161ujeme mezi konstantn\u00ed a klesaj\u00edc\u00ed pojistnou \u010d\u00e1stkou.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Konstantn\u00ed pojistn\u00e1 \u010d\u00e1stka<\/h3>\n\n\n\n<p>Po celou dobu poji\u0161t\u011bn\u00ed byste od poji\u0161\u0165ovny dostali stejnou sumu pen\u011bz bez ohledu na to, kdy k ud\u00e1losti dojde. Nastavuje se u t\u011bch rizik, kde je pot\u0159eba finan\u010dn\u00edho zaji\u0161t\u011bn\u00ed v \u010dase st\u00e1le stejn\u00e1. Konstantn\u00ed pojistn\u00e1 \u010d\u00e1stka <strong>cenu poji\u0161t\u011bn\u00ed prodra\u017euje.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Klesaj\u00edc\u00ed pojistn\u00e1 \u010d\u00e1stka<\/h3>\n\n\n\n<p>Kdy\u017e by se v\u00e1m n\u011bco stalo na za\u010d\u00e1tku poji\u0161t\u011bn\u00ed, dostanete od poji\u0161\u0165ovny v\u00edce pen\u011bz, ne\u017e kdyby se v\u00e1m to sam\u00e9 stalo po p\u00e1r letech trv\u00e1n\u00ed pojistky. Pot\u0159eba finan\u010dn\u00edho zaji\u0161t\u011bn\u00ed v n\u011bkter\u00fdch situac\u00edch toti\u017e v \u010dase kles\u00e1 a tomu odpov\u00edd\u00e1 pravideln\u00e9 sni\u017eov\u00e1n\u00ed \u010d\u00e1stky. Cena pojistky je pak (ve srovn\u00e1n\u00ed s konstantn\u00ed \u010d\u00e1stkou) levn\u011bj\u0161\u00ed a v\u00fdhodn\u011bj\u0161\u00ed.<\/p>\n\n\n\n<p>Tato varianta se vyu\u017e\u00edv\u00e1 v\u011bt\u0161inou pro <strong>zaji\u0161t\u011bn\u00ed finan\u010dn\u00edch z\u00e1vazk\u016f<\/strong>, kdy se dlu\u017en\u00e1 \u010d\u00e1stka sni\u017euje v pr\u016fb\u011bhu doby (nap\u0159. \u00fav\u011br, hypot\u00e9ka). Tak, jak spl\u00e1c\u00edte \u00fav\u011br, se m\u016f\u017ee i pojistn\u00e1 \u010d\u00e1stka v \u010dase sni\u017eovat.<\/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\n\n\n<p>Dal\u0161\u00edm p\u0159\u00edkladem m\u016f\u017ee b\u00fdt <strong>zaji\u0161t\u011bn\u00ed d\u011bt\u00ed<\/strong>. T\u00edm, jak d\u011bti rostou, m\u011bn\u00ed se pot\u0159eba jejich finan\u010dn\u00edho zabezpe\u010den\u00ed, nap\u0159. si ji\u017e za\u010dnou samy vyd\u011bl\u00e1vat. Je pak logick\u00e9, \u017ee \u010d\u00e1stka, na kterou jste poji\u0161t\u011bni, m\u016f\u017ee b\u00fdt v \u010dase ni\u017e\u0161\u00ed.<\/p>\n\n\n\n<p>Zd\u00e1 se v\u00e1m to slo\u017eit\u00e9? V na\u0161em <a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\">srovn\u00e1va\u010di \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> (p\u0159ipraven\u00fdch na m\u00edru v\u00e1m) se dozv\u00edte, na jakou v\u00fd\u0161i m\u00edt nastavenou konstantn\u00ed a klesaj\u00edc\u00ed pojistnou \u010d\u00e1stku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Na jak\u00e9 minim\u00e1ln\u00ed \u010d\u00e1stky se pojistit<\/h2>\n\n\n\n<p>Te\u010f, kdy\u017e rozum\u00edme jednotliv\u00fdm pojm\u016fm a rizik\u016fm, se m\u016f\u017eeme pod\u00edvat na s\u00e9rii konkr\u00e9tn\u00edch doporu\u010den\u00ed, kter\u00e9 dal dohromady n\u00e1\u0161 t\u00fdm odborn\u00edk\u016f na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Pokud se rozhodnete pojistku nastavit a uzav\u0159\u00edt s pomoc\u00ed na\u0161eho specialisty, m\u00e1te jistotu, \u017ee v\u00e1s procesem provede tak, aby smlouva v\u0161echna n\u00e1sleduj\u00edc\u00ed doporu\u010den\u00ed reflektovala.<\/p>\n\n\n\n<ul>\n<li>U poji\u0161t\u011bn\u00ed smrti doporu\u010dujeme <strong>kombinaci konstantn\u00ed a klesaj\u00edc\u00ed pojistn\u00e9 \u010d\u00e1stky.<\/strong> <strong>Konstantn\u00ed \u010d\u00e1stka by m\u011bla odpov\u00eddat v\u00fd\u0161i ro\u010dn\u00edch v\u00fddaj\u016f<\/strong>, aby se rodina nedostala do finan\u010dn\u00edch probl\u00e9m\u016f.<strong> Klesaj\u00edc\u00ed \u010d\u00e1stku doporu\u010dujeme nastavit na dvojn\u00e1sobek ro\u010dn\u00edch v\u00fddaj\u016f<\/strong>. Jak v\u00edme, tato \u010d\u00e1stka kles\u00e1 ka\u017ed\u00fdm rokem o 1\/n (nap\u0159. v p\u0159\u00edpad\u011b smlouvy na 1 milion K\u010d uzav\u0159en\u00e9 na 10 let dostanete ka\u017ed\u00fd rok o desetinu \u2013 tedy 100 000 K\u010d \u2013 m\u00e9n\u011b). Klesaj\u00edc\u00ed \u010d\u00e1stka v\u00e1m poskytuje \u010das pro vyrovn\u00e1n\u00ed se s novou \u017eivotn\u00ed situac\u00ed.<\/li>\n\n\n\n<li>I v p\u0159\u00edpad\u011b poji\u0161t\u011bn\u00ed invalidity rad\u00edme zvolit pln\u011bn\u00ed konstantn\u00ed a klesaj\u00edc\u00ed \u010d\u00e1stkou. Konstantn\u00ed \u010d\u00e1stka&nbsp; je finan\u010dn\u00ed injekce, kter\u00e1 se pom\u016f\u017ee p\u0159izp\u016fsobit aktu\u00e1ln\u00ed \u017eivotn\u00ed situac\u00ed (upravit byt pro bezbari\u00e9rov\u00e9 pou\u017e\u00edv\u00e1n\u00ed, zajistit invalidn\u00ed voz\u00ed\u010dek atd. Klesaj\u00edc\u00ed \u010d\u00e1stka dorovn\u00e1 va\u0161e m\u011bs\u00ed\u010dn\u00ed v\u00fddaje a\u017e do d\u016fchodov\u00e9ho v\u011bku (\u010d\u00edm v\u00edce m\u00e1te odpracov\u00e1no, t\u00edm v\u011bt\u0161\u00ed je invalidn\u00ed d\u016fchod). Klesaj\u00edc\u00ed \u010d\u00e1stka se vypo\u010d\u00edt\u00e1v\u00e1 tak, aby v\u00e1m zhruba <strong>pokryla rozd\u00edl mezi \u017eivotn\u00edmi n\u00e1klady a invalidn\u00edm d\u016fchodem<\/strong> do doby, ne\u017e za\u010dnete pob\u00edrat starobn\u00ed d\u016fvod. Samoz\u0159ejm\u011b zohled\u0148ujeme i mo\u017enost pracovat alespo\u0148 na zkr\u00e1cen\u00fd \u00favazek, zejm\u00e9na u I. a II. stupn\u011b invalidity.<\/li>\n\n\n\n<li>Na kolik pojistit z\u00e1va\u017en\u00e9 nemoci? P\u0159ibli\u017en\u011b <strong>na \u010d\u00e1stku ro\u010dn\u00edch v\u00fddaj\u016f<\/strong>. \u010c\u00e1stku m\u016f\u017eete pou\u017e\u00edt i k rehabilitaci \u010di dorovn\u00e1n\u00ed financ\u00ed, nav\u00edc v\u00e1s podr\u017e\u00ed po psychick\u00e9 str\u00e1nce (v p\u0159\u00edpad\u011b nemoci toti\u017e p\u0159irozen\u011b mysl\u00edme na pen\u00edze a jejich zaji\u0161t\u011bn\u00ed). Po jednom roce l\u00e9\u010dby m\u00e1te mo\u017enost se p\u0159ehoupnout do invalidity (zejm\u00e9na pokud by ji\u017e bylo jasn\u00e9, \u017ee se nedok\u00e1\u017eete pln\u011b uzdravit (zvl\u00e1\u0161\u0165 pokud je jasn\u00e9, \u017ee se nedok\u00e1\u017eete pln\u011b uzdravit). Pak je pojistn\u00e9 pln\u011bn\u00ed hrazeno z tohoto rizika.<\/li>\n\n\n\n<li>Jak je to u poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu? Pro konkretizaci \u010d\u00e1stek d\u011bl\u00edme \u00farazy na leh\u010d\u00ed a t\u011b\u017e\u0161\u00ed. Leh\u010d\u00ed, kter\u00e9 jsou od 0,1% t\u011blesn\u00e9ho po\u0161kozen\u00ed (pro va\u0161i p\u0159edstavu, ztr\u00e1ta koncov\u00e9ho \u010dl\u00e1nku prstu se hodnot\u00ed jako 6% po\u0161kozen\u00ed), obvykle poji\u0161\u0165ujeme <strong>na \u010d\u00e1stku 400 000 K\u010d<\/strong>. Za t\u011b\u017e\u0161\u00ed \u00farazy se pova\u017euj\u00ed ty s 10% t\u011blesn\u00fdm po\u0161kozen\u00edm (jako je ztr\u00e1ta kon\u010detiny v oblasti ky\u010deln\u00edho kloubu p\u0159edstavuj\u00edc\u00ed 50% a\u017e 60% handicap). U t\u011b\u017e\u0161\u00edch \u00faraz\u016f doporu\u010dujeme stanovit pojistnou \u010d\u00e1stku <strong>alespo\u0148 na 600 000 K\u010d.<\/strong><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">P\u0159\u00edklady z praxe pro nastaven\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p>Po\u0159\u00e1d se v\u00e1m \u017eivotko zd\u00e1 t\u011b\u017ece pochopiteln\u00e9? Pod\u00edvejte se s n\u00e1mi na \u017eivotn\u00ed situace dvou na\u0161ich klient\u016f a na\u0161e doporu\u010den\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prvn\u00ed p\u0159\u00edklad: Helenka, 33 let, single<\/h3>\n\n\n\n<p>Helenka pracuje v neziskovce. Jej\u00ed \u010dist\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem d\u011bl\u00e1 30 000 K\u010d \u010dist\u00e9ho. Svoje m\u011bs\u00ed\u010dn\u00ed v\u00fddaje vy\u010d\u00edslila na 22 000 K\u010d, tak\u017ee z platu dok\u00e1\u017ee pravideln\u011b spo\u0159it. \u017dije v byt\u011b 2+kk, na kter\u00fd si vzala hypot\u00e9ku. Z t\u00e9 je\u0161t\u011b pot\u0159ebuje splatit zb\u00fdvaj\u00edc\u00edch 2 000 000 K\u010d.<\/p>\n\n\n\n<p>Helenka nem\u00e1 partnera, d\u011bti ani jin\u00e9 osoby, kter\u00e9 by na n\u00ed byli finan\u010dn\u011b z\u00e1visl\u00e9. Jak si m\u00e1 spr\u00e1vn\u011b nastavit \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Na\u0161e doporu\u010den\u00ed pro Helenku<\/h4>\n\n\n\n<p>Helenka si pravideln\u011b spo\u0159\u00ed, proto pro n\u00ed poji\u0161t\u011bn\u00ed hospitalizace, denn\u00edho od\u0161kodn\u00e9ho za \u00faraz a pracovn\u00ed neschopnosti nep\u0159edstavuje p\u0159idanou hodnotu. V p\u0159\u00edpad\u011b Helen\u010dina ne\u010dekan\u00e9ho skonu nejsou finan\u010dn\u011b ohro\u017eeny dal\u0161\u00ed osoby, proto nevid\u00edme smysl ve sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed smrti.<\/p>\n\n\n\n<p>Hlavn\u00edm smyslem \u017eivotn\u00edho poji\u0161t\u011bn\u00ed pro Helenku je zaji\u0161t\u011bn\u00ed proti v\u00fdpadku dlouhodob\u00e9ho p\u0159\u00edjmu. Doporu\u010dujeme se chr\u00e1nit pro p\u0159\u00edpad:<\/p>\n\n\n\n<ul>\n<li>invalidity III. stupn\u011b \u010d\u00e1stkou 2 350 000 K\u010d (aby pokryla rozd\u00edl mezi \u017eivotn\u00edmi n\u00e1klady a invalidn\u00edm d\u016fchodem)&nbsp;<\/li>\n\n\n\n<li>invalidity II. stupn\u011b \u010d\u00e1stkou 1 150 000 K\u010d (aby pokryla rozd\u00edl mezi \u017eivotn\u00edmi n\u00e1klady a invalidn\u00edm d\u016fchodem)<\/li>\n\n\n\n<li>z\u00e1va\u017en\u00e9ho onemocn\u011bn\u00ed na \u010d\u00e1stku 250 000 K\u010d (Helenka utrat\u00ed m\u011bs\u00ed\u010dn\u011b 22 000 K\u010d, co\u017e v ro\u010dn\u00edm vyj\u00e1d\u0159en\u00ed zhruba odpov\u00edd\u00e1 pojistn\u00e9 \u010d\u00e1stce)<\/li>\n\n\n\n<li>trval\u00fdch n\u00e1sledk\u016f \u00farazu na \u010d\u00e1stku 1 000 000 K\u010d (jde o sou\u010det \u010d\u00e1stek pro t\u011b\u017ek\u00fd a lehk\u00fd \u00faraz, tedy 600 a 400 tis\u00edc K\u010d)<\/li>\n<\/ul>\n\n\n\n<p>Nab\u00eddka pojistek pro Helenku se zm\u011bn\u011bn\u00fdmi limity za\u010d\u00edn\u00e1 zhruba na 340 K\u010d m\u011bs\u00ed\u010dn\u011b.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Druh\u00fd p\u0159\u00edklad: Adam, 39 let, dv\u011b d\u011bti<\/h3>\n\n\n\n<p>Adam m\u00e1 man\u017eelku, dv\u011b ro\u010dn\u00ed dvoj\u010data a byt, kter\u00fd koupil za 7 000 000 K\u010d. Z t\u011bch je\u0161t\u011b pot\u0159ebuje splatit 4 000 000 K\u010d v dal\u0161\u00edch 20 letech.<\/p>\n\n\n\n<p>Adam pracuje jako OSV\u010c, nemocensk\u00e9 poji\u0161t\u011bn\u00ed si neplat\u00ed. Jeho \u010dist\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem je 60 000 K\u010d, utr\u00e1c\u00ed 40 000 K\u010d. S man\u017eelkou maj\u00ed naspo\u0159enou i finan\u010dn\u00ed rezervu ve v\u00fd\u0161i 500 000 K\u010d.<\/p>\n\n\n\n<p>Adam \u017eivotn\u00ed poji\u0161t\u011bn\u00ed uzav\u00edr\u00e1 s t\u00edm, \u017ee chce zajistit svou rodinu pro p\u0159\u00edpad ne\u010dekan\u00e9 ud\u00e1losti a v\u00fdpadku jeho p\u0159\u00edjm\u016f.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Na\u0161e doporu\u010den\u00ed pro Adama<\/h4>\n\n\n\n<p>Adam m\u00e1 \u00faspory, proto pro n\u011bj poji\u0161t\u011bn\u00ed hospitalizace, denn\u00edho od\u0161kodn\u00e9ho za \u00faraz a pracovn\u00ed neschopnosti ned\u00e1v\u00e1 velk\u00fd smysl.<\/p>\n\n\n\n<p>Vzhledem k Adamov\u011b rodin\u011b a finan\u010dn\u00edm z\u00e1vazk\u016fm doporu\u010dujeme se pe\u010dliv\u011b chr\u00e1nit pro p\u0159\u00edpad:<\/p>\n\n\n\n<ul>\n<li>smrti&nbsp; \u010d\u00e1stkou 5 000 000 K\u010d<\/li>\n\n\n\n<li>invalidity III. stupn\u011b \u010d\u00e1stkou 3 450 000 K\u010d (aby pokryla rozd\u00edl mezi \u017eivotn\u00edmi n\u00e1klady a invalidn\u00edm d\u016fchodem)&nbsp;<\/li>\n\n\n\n<li>invalidity II. stupn\u011b \u010d\u00e1stkou 1 550 000 K\u010d (aby pokryla rozd\u00edl mezi \u017eivotn\u00edmi n\u00e1klady a invalidn\u00edm d\u016fchodem)&nbsp;<\/li>\n\n\n\n<li>z\u00e1va\u017en\u00e9ho onemocn\u011bn\u00ed na \u010d\u00e1stku 100 000 K\u010d<\/li>\n\n\n\n<li>trval\u00fdch n\u00e1sledk\u016f \u00farazu na \u010d\u00e1stku 1 000 000 K\u010d (jde o sou\u010det \u010d\u00e1stek pro t\u011b\u017ek\u00fd a lehk\u00fd \u00faraz, tedy 600 a 400 tis\u00edc K\u010d)<\/li>\n<\/ul>\n\n\n\n<p>Nab\u00eddka pojistek pro Adama se zm\u011bn\u011bn\u00fdmi limity za\u010d\u00edn\u00e1 zhruba na 1000 K\u010d m\u011bs\u00ed\u010dn\u011b.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3 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\"><strong>Srovnejte si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>V posledn\u00edm \u010dl\u00e1nku jsme si uk\u00e1zali, jak funguje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Dnes se podrobn\u011b pod\u00edv\u00e1me na dilemata spjat\u00e1 s nastaven\u00edm pojistky. Kter\u00e1 rizika si (od)pojistit? Co je to klesaj\u00edc\u00ed a konstantn\u00ed pojistn\u00e1 \u010d\u00e1stka? A jak\u00e9 kryt\u00ed doporu\u010duj\u00ed na\u0161i specialist\u00e9 sv\u00fdm klient\u016fm?<\/p>\n","protected":false},"author":6,"featured_media":1241,"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\/1235"}],"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=1235"}],"version-history":[{"count":7,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1235\/revisions"}],"predecessor-version":[{"id":3343,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1235\/revisions\/3343"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1241"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1235"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1235"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1235"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}