{"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":"2026-08-05T16:22:14","modified_gmt":"2026-08-05T14:22:14","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><em>Aktualizov\u00e1no 31.7.2026<\/em><\/p>\n\n\n\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 (ne)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?\u00a0<\/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 poji\u0161t\u011bn\u00ed m\u00edt zejm\u00e9na <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 nebo ztr\u00e1t\u011b majetku. 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.&nbsp;<\/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 \u010dlov\u011bka. Invalidn\u00ed d\u016fchod v ur\u010dit\u00e9m stupni 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 nutn\u011b zahrnovat nemus\u00edte.\u00a0<\/li>\n\n\n\n<li><strong>Druh\u00fd stupe\u0148 (nap\u0159.\u00a0 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 m\u016f\u017eete p\u0159ivyd\u011blat.<\/li>\n\n\n\n<li><strong>T\u0159et\u00ed stupe\u0148 (nap\u0159. Alzheimerova choroba 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, 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 <a href=\"https:\/\/www.kurzy.cz\/hodnoty\/prumerny_duchod_invalidni\/2025\/\" data-type=\"link\" data-id=\"https:\/\/www.kurzy.cz\/hodnoty\/prumerny_duchod_invalidni\/2025\/\" target=\"_blank\" rel=\"noopener\">data za rok 2025<\/a>, kdy pr\u016fm\u011brn\u00e1 v\u00fd\u0161e invalidn\u00edho d\u016fchodu pro invaliditu III. stupn\u011b dosahovala \u010d\u00e1stky 17 636 K\u010d, u II. stupn\u011b invalidity 11 953 K\u010d a u nejni\u017e\u0161\u00edho stupn\u011b 10 103 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. Pr\u016fm\u011br nav\u00edc nevypov\u00edd\u00e1 o tom, jak\u00fd invalidn\u00ed d\u016fchod by p\u0159ipadl v\u00e1m &#8211; z\u00e1le\u017e\u00ed toti\u017e na va\u0161em v\u011bku, dob\u011b poji\u0161t\u011bn\u00ed a kone\u010dn\u011b i na stupni invalidity. <\/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 poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch nemoc\u00ed, kter\u00e9 obsahuje nejen tyto diagn\u00f3zy, ale mnoho dal\u0161\u00edch v\u00e1\u017en\u00fdch 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 zanech\u00e1 trval\u00e9 t\u011blesn\u00e9 po\u0161kozen\u00ed a zt\u00ed\u017e\u00ed \u017eivotn\u00ed situaci. \u00darazy je mo\u017en\u00e9 pojistit v\u00a0r\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. 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 %. Poji\u0161\u0165ovna v\u00e1m pak vyplat\u00ed <a href=\"https:\/\/www.rixo.cz\/slovnik\/pojistne-plneni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/pojistne-plneni\/\">pln\u011bn\u00ed<\/a> ve v\u00fd\u0161i konkr\u00e9tn\u00edho procenta ze sjednan\u00e9 pojistn\u00e9 \u010d\u00e1stky. <\/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. Pom\u011br ceny a v\u00fdkonu t\u011bchto kr\u00e1tkodob\u00fdch poji\u0161t\u011bn\u00ed rozeb\u00edr\u00e1me podrobn\u011b v \u010dl\u00e1nku <a href=\"https:\/\/www.rixo.cz\/blog\/denni-davky-a-zivotni-pojisteni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/denni-davky-a-zivotni-pojisteni\/\">Denn\u00ed d\u00e1vky v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed<\/a>. <\/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, respektive kles\u00e1n\u00ed pojistn\u00e9 \u010d\u00e1stky by bylo naopak kontraproduktivn\u00ed &#8211; nap\u0159\u00edklad u poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch nemoc\u00ed riziko <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> s v\u011bkem roste, klesaj\u00edc\u00ed \u010d\u00e1stka by v\u00e1s tak sp\u00ed\u0161e po\u0161kozovala. Jedinou, ale podstatnou nev\u00fdhodou je, \u017ee konstantn\u00ed pojistn\u00e1 \u010d\u00e1stka logicky <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 poji\u0161t\u011bn\u00ed. 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. <a href=\"https:\/\/www.rixo.cz\/slovnik\/pojistne\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/pojistne\/\">Pojistn\u00e9<\/a> je pak (ve srovn\u00e1n\u00ed s konstantn\u00ed \u010d\u00e1stkou) ni\u017e\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 pak pojistn\u00e1 \u010d\u00e1stka v \u010dase sni\u017euje.<\/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> se dozv\u00edte, na jakou v\u00fd\u0161i m\u00edt nastavenou konstantn\u00ed a klesaj\u00edc\u00ed pojistnou \u010d\u00e1stku, aby v\u00e1s poji\u0161t\u011bn\u00ed chr\u00e1nilo p\u0159esn\u011b tak, jak pot\u0159ebujete pr\u00e1v\u011b vy.<\/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 alespo\u0148 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). <\/li>\n\n\n\n<li>I v p\u0159\u00edpad\u011b poji\u0161t\u011bn\u00ed invalidity rad\u00edme zvolit konstantn\u00ed a klesaj\u00edc\u00ed \u010d\u00e1stky. Konstantn\u00ed \u010d\u00e1stka p\u0159edstavuje jistotu, kter\u00e1 v\u00e1m kdykoli v pr\u016fb\u011bhu trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed pom\u016f\u017ee zvl\u00e1dnout aktu\u00e1ln\u00ed \u017eivotni situaci (upravit byt pro bezbari\u00e9rov\u00e9 pou\u017e\u00edv\u00e1n\u00ed, zajistit invalidn\u00ed voz\u00ed\u010dek, nadstandardn\u00ed l\u00e9\u010dbu atd.). Klesaj\u00edc\u00ed \u010d\u00e1stka pak dorovn\u00e1 zbytek va\u0161ich m\u011bs\u00ed\u010dn\u00ed v\u00fddaj\u016f 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 a z\u00e1rove\u0148 pot\u0159eba finan\u010dn\u00edch prost\u0159edk\u016f s bl\u00ed\u017e\u00edc\u00edm se starobn\u00edm d\u016fchodem kles\u00e1). 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 \u00fahrad\u011b rehabilitac\u00ed \u010di nadstandardn\u00ed l\u00e9\u010dby, nav\u00edc v\u00e1s podr\u017e\u00ed po psychick\u00e9 str\u00e1nce. Po jednom roce v pracovn\u00ed neschopnosti tak\u00e9 m\u016f\u017eete po\u017e\u00e1dat o invalidn\u00ed d\u016fchod, zvl\u00e1\u0161\u0165 pokud je jasn\u00e9, \u017ee zdravotn\u00ed pot\u00ed\u017ee jen tak neodejdou. V moment\u011b p\u0159izn\u00e1n\u00ed invalidn\u00edho d\u016fchodu uplatn\u00edte i sv\u00e9 poji\u0161t\u011bn\u00ed invalidity.<\/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 t\u0159eba u\u017e od 0,001% 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 nad r\u00e1mec povinn\u00e9 minim\u00e1ln\u00ed \u010d\u00e1stky.<\/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 poji\u0161t\u011bn\u00ed pro Helenku se zm\u00edn\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 a jeho v\u00fddaje \u010din\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 \u010d\u00e1stkou 5 000 000 K\u010d v kombinaci konstantn\u00ed a klesaj\u00edc\u00ed \u010d\u00e1stky<\/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 200 000 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 1100 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 (ne)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":11,"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\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1235"}],"version-history":[{"count":9,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1235\/revisions"}],"predecessor-version":[{"id":4412,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1235\/revisions\/4412"}],"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}]}}