{"id":1539,"date":"2023-09-08T13:06:04","date_gmt":"2023-09-08T11:06:04","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1539"},"modified":"2025-05-29T10:12:28","modified_gmt":"2025-05-29T08:12:28","slug":"kdy-a-na-jak-dlouho-uzavrit-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/kdy-a-na-jak-dlouho-uzavrit-zivotni-pojisteni\/","title":{"rendered":"Kdy a na jak dlouho uzav\u0159\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?"},"content":{"rendered":"\n

\u017divotn\u00ed pojistku uzav\u00edr\u00e1te na cel\u00fd \u017eivot. Anebo ne? Poj\u010fme se pod\u00edvat, jak funguje rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Dozv\u00edte se, kdy a na jak dlouho se pojistit, aby se v\u00e1m skute\u010dn\u011b vyplatilo. \u010cas hraje roli i v tom, kolik za \u017eivotko zaplat\u00edte na pojistn\u00e9m.    <\/p>\n\n\n\n

V\u011bt\u0161inou d\u00e9lku pojistn\u00e9 doby \u0159e\u0161\u00edte p\u0159edev\u0161\u00edm u investi\u010dn\u00edho a kapit\u00e1lov\u00e9ho poji\u0161t\u011bn\u00ed kv\u016fli mo\u017en\u00e9mu zhodnocen\u00ed vlo\u017een\u00fdch prost\u0159edk\u016f. Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> neobsahuje \u017e\u00e1dnou investi\u010dn\u00ed slo\u017eku<\/strong>, jedn\u00e1 se tu jen o va\u0161e zdrav\u00ed, v\u00fdpadek p\u0159\u00edjm\u016f a zaji\u0161t\u011bn\u00ed va\u0161\u00ed rodiny. M\u00e1lokdy se v\u00e1s poji\u0161t\u011bn\u00ed dot\u00fdk\u00e1 tak osobn\u011b, jako pr\u00e1v\u011b v p\u0159\u00edpad\u011b \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. Jeho nastaven\u00ed toti\u017e v\u00fdznamnou m\u011brou z\u00e1vis\u00ed na va\u0161\u00ed rodinn\u00e9, finan\u010dn\u00ed, zdravotn\u00ed i kari\u00e9rn\u00ed situaci.<\/p>\n\n\n\n

V jak\u00fdch situac\u00edch zbyst\u0159it p\u0159i volb\u011b trv\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n

Nad \u017eivotkem lid\u00e9 nej\u010dast\u011bji p\u0159em\u00fd\u0161l\u00ed p\u0159i v\u00fdznamn\u00fdch \u017eivotn\u00edch ud\u00e1lostech, jako je narozen\u00ed d\u00edt\u011bte nebo z\u00edsk\u00e1n\u00ed hypot\u00e9ky. Jak si sv\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> v takov\u00fdch situac\u00edch p\u0159izp\u016fsobit a na co d\u00e1vat pozor? Pro za\u010d\u00e1tek si ujasn\u011bme, jak vlastn\u011b \u017eivotko funguje. <\/p>\n\n\n\n

V\u011bt\u0161ina poji\u0161\u0165oven m\u00e1 tzv. hlavn\u00ed tarif<\/strong> (nej\u010dast\u011bji obsahuj\u00edc\u00ed poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti<\/a>), kter\u00fd mus\u00ed b\u00fdt sjedn\u00e1n po celou dobu poji\u0161t\u011bn\u00ed. Ostatn\u00ed poji\u0161t\u011bn\u00ed si m\u016f\u017eete sjednat jak na celou dobu poji\u0161t\u011bn\u00ed, ale i krat\u0161\u00ed dobu, kterou si zvol\u00edte<\/strong>.\u00a0Jedn\u00e1 se nap\u0159\u00edklad o poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad pracovn\u00ed neschopnosti nebo trval\u00fdch n\u00e1sledk\u016f \u00farazu.<\/p>\n\n\n\n

Co se skr\u00fdv\u00e1 za zmi\u0148ovanou dobou poji\u0161t\u011bn\u00ed? Poji\u0161\u0165ovny v\u00e1s b\u011b\u017en\u011b pojist\u00ed do 65-70 let v\u011bku, p\u0159i\u010dem\u017e poji\u0161t\u011bni m\u016f\u017eete b\u00fdt u\u017e od narozen\u00ed<\/strong>. Tarif poji\u0161t\u011bn\u00ed \u201epro dosp\u011bl\u00e9\u201d za\u010d\u00edn\u00e1 p\u0159i dosa\u017een\u00ed v\u011bku 15 let. V Rixu doporu\u010dujeme sjednat poji\u0161t\u011bn\u00ed co nejd\u0159\u00edve (z d\u016fvodu ni\u017e\u0161\u00edch cen i adekv\u00e1tn\u00ed ochrany) a nastavit d\u00e9lku poji\u0161t\u011bn\u00ed do 65 let<\/strong> i d\u00e9le. Je ale na v\u00e1s, zda budete cht\u00edt, aby poji\u0161t\u011bn\u00ed platilo nap\u0159\u00edklad a\u017e do 85 let – ve st\u00e1\u0159\u00ed u\u017e nemus\u00ed b\u00fdt v\u017edy pot\u0159eba. Pravd\u011bpodobn\u011b u\u017e toti\u017e nebudete \u017eivit vlastn\u00ed d\u011bti a zaji\u0161\u0165ovat v\u00e1s nebude pr\u00e1ce, ale starobn\u00ed d\u016fchod. Pokud jste aktivn\u00ed i ve vy\u0161\u0161\u00edm v\u011bku, je ale mo\u017en\u00e9 uzav\u0159\u00edt speci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed pro seniory.\u00a0<\/p>\n\n\n\n

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Srovnat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n

<\/p>\n\n\n\n

\u010casto se u t\u00e9matu \u017eivotn\u00edho poji\u0161t\u011bn\u00ed zapom\u00edn\u00e1, \u017ee poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti je jen jednou z jeho slo\u017eek. Lid\u00e9 v produktivn\u00edm v\u011bku by p\u0159edev\u0161\u00edm m\u011bli myslet na poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad z\u00e1va\u017en\u00e9 nemoci, \u00farazu a jejich dopad\u016f. Dlouhodob\u00e9 dopady<\/strong> nemoci \u010di \u00farazu (jako invalidita<\/a> nebo trval\u00e9 n\u00e1sledky<\/a>) byste si m\u011bli pojistit v\u017edy<\/strong>. Ale co ty kr\u00e1tkodob\u00e9<\/strong>, jako t\u0159eba pracovn\u00ed neschopnost? Tady se skute\u010dn\u011b vyplat\u00ed se zamyslet nad t\u00edm, co pot\u0159ebujete.<\/p>\n\n\n\n

Kdy co pojistit? <\/h2>\n\n\n\n

Jednotliv\u00e1 poji\u0161t\u011bn\u00ed, kter\u00e1 jsou v \u017eivotku obsa\u017een\u00e1, byste si m\u011bli p\u0159izp\u016fsobit sv\u00fdm pot\u0159eb\u00e1m. I zde vstoup\u00ed do hry \u010dasov\u00e9 hledisko. Z\u00e1le\u017e\u00ed toti\u017e na tom, v jak\u00e9 f\u00e1zi \u017eivota se nach\u00e1z\u00edte a kolik je v\u00e1m let. <\/p>\n\n\n\n

Jednotlivec s finan\u010dn\u00ed rezervou<\/h3>\n\n\n\n

\u017dijete sami a m\u00e1te dostate\u010dnou finan\u010dn\u00ed rezervu<\/strong>? Pak nen\u00ed pot\u0159eba sjedn\u00e1vat si poji\u0161t\u011bn\u00ed kr\u00e1tkodob\u00e9 pracovn\u00ed neschopnosti, kter\u00e9 je nav\u00edc jedn\u00edm z t\u011bch dra\u017e\u0161\u00edch poji\u0161t\u011bn\u00ed. V p\u0159\u00edpad\u011b, \u017ee na v\u00e1s ani nen\u00ed nikdo finan\u010dn\u011b z\u00e1visl\u00fd, nemus\u00edte nastavovat vysokou pojistnou \u010d\u00e1stku na smrt. Bude sta\u010dit z\u00e1kladn\u00ed minim\u00e1ln\u00ed \u010d\u00e1stka, kter\u00e1 je zpravidla nastaven\u00e1 tak, aby posta\u010dila k \u00fahrad\u011b n\u00e1klad\u016f na poh\u0159eb.<\/p>\n\n\n\n

Rodina s d\u011btmi<\/h3>\n\n\n\n

Pokud m\u00e1te rodinu, p\u0159edn\u011b se zam\u011b\u0159te na jej\u00ed zaji\u0161t\u011bn\u00ed, pokud ji u\u017e nebudete moci zabezpe\u010dit vy sami. P\u0159edev\u0161\u00edm se to t\u00fdk\u00e1 situace, kdy ze zdravotn\u00edch d\u016fvod\u016f nebudete moci pracovat. Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti v\u00e1m bude sta\u010dit sjednat na dobu, po kterou na v\u00e1s budou d\u011bti finan\u010dn\u011b z\u00e1visl\u00e9<\/strong>. Nen\u00ed tedy t\u0159eba nastavovat toto poji\u0161t\u011bn\u00ed na celou pojistnou dobu<\/strong>. Pamatujte na to, \u017ee va\u0161e \u017eivotn\u00ed situace se m\u016f\u017ee v\u017edy zm\u011bnit a odpov\u00eddat by tomu m\u011bla pr\u00e1v\u011b i \u017eivotn\u00ed pojistka. <\/p>\n\n\n\n

Spl\u00e1cen\u00ed hypot\u00e9ky<\/h3>\n\n\n\n

Specifick\u00fdm p\u0159\u00edpadem je pak sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed v p\u0159\u00edpad\u011b, kdy si berete hypot\u00e9ku<\/strong>. Jedn\u00e1 se o velk\u00fd finan\u010dn\u00ed z\u00e1vazek, kter\u00fd v\u00e1\u0161 rozpo\u010det zat\u00ed\u017e\u00ed zpravidla na des\u00edtky let. Proti ne\u010dekan\u00fdm ud\u00e1lostem, kter\u00e9 by ohrozily spl\u00e1cen\u00ed \u00fav\u011bru, se m\u016f\u017eete chr\u00e1nit pr\u00e1v\u011b \u017eivotkem. Jedn\u00e1 se o lep\u0161\u00ed volbu ne\u017e bankami nab\u00edzen\u00e9 poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet<\/strong>, kter\u00e9 je pouze okle\u0161t\u011bn\u00fdm (a v\u011bt\u0161inou nep\u0159\u00edli\u0161 v\u00fdhodn\u00fdm) \u017eivotn\u00edm poji\u0161t\u011bn\u00edm<\/strong>. P\u0159\u00edpadn\u00e9 pojistn\u00e9 pln\u011bn\u00ed toti\u017e p\u0159i poji\u0161t\u011bn\u00ed uzav\u0159en\u00e9m p\u0159es banku spole\u010dn\u011b s hypot\u00e9kou putuje p\u0159\u00edmo do banky, zat\u00edmco pln\u011bn\u00ed z va\u0161eho vlastn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed n\u00e1le\u017e\u00ed v\u00e1m. Jen vy se budete rozhodovat, jak s pln\u011bn\u00edm nalo\u017e\u00edte. <\/p>\n\n\n\n

Nejv\u00fdhodn\u011bj\u0161\u00ed volbou je v tomto p\u0159\u00edpad\u011b \u017eivotn\u00ed poji\u0161t\u011bn\u00ed s line\u00e1rn\u011b klesaj\u00edc\u00ed pojistnou \u010d\u00e1stkou<\/strong>, kter\u00e1 se sni\u017euje s t\u00edm, jak spl\u00e1c\u00edte hypot\u00e9ku \u010di jin\u00fd \u00fav\u011br. Pojistn\u00e1 \u010d\u00e1stka v takov\u00e9m p\u0159\u00edpad\u011b pravideln\u011b kles\u00e1 a zohled\u0148uje \u00farok dohodnut\u00fd ve smlouv\u011b. U klesaj\u00edc\u00ed pojistn\u00e9 \u010d\u00e1stky b\u00fdv\u00e1 i ni\u017e\u0161\u00ed pojistn\u00e9, pr\u00e1v\u011b proto, \u017ee nen\u00ed po celou dobu ve stejn\u00e9 v\u00fd\u0161i.<\/p>\n\n\n\n

Jak se m\u011bn\u00ed pojistn\u00e9 v \u010dase? <\/h2>\n\n\n\n

Pokud si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed sjedn\u00e1te ve dvaceti letech, kdy jste v dobr\u00e9m fyzick\u00e9m i du\u0161evn\u00edm stavu, za poji\u0161t\u011bn\u00ed m\u016f\u017eete m\u011bs\u00ed\u010dn\u011b zaplatit t\u0159eba i jen p\u011btistovku. Za\u010d\u00edn\u00e1te sjedn\u00e1n\u00ed \u017eivotka zva\u017eovat a\u017e p\u0159ed pades\u00e1tkou? V\u00fdrazn\u011b si p\u0159iplat\u00edte. A plat\u00ed to i v p\u0159\u00edpad\u011b, \u017ee se rozhodnete pro zm\u011bnu poji\u0161t\u011bn\u00ed nebo nav\u00fd\u0161en\u00ed \u010d\u00e1stek b\u011bhem pojistn\u00e9 doby<\/strong>. Riziko z\u00e1va\u017en\u00e9 nemoci nebo \u00farazu toti\u017e s vy\u0161\u0161\u00edm v\u011bkem za\u010d\u00edn\u00e1 b\u00fdt \u010d\u00edm d\u00e1l v\u00fdznamn\u011bj\u0161\u00ed, a proto je i dra\u017e\u0161\u00ed. <\/p>\n\n\n\n

\u010c\u00e1stku, kterou budete za poji\u0161t\u011bn\u00ed m\u011bs\u00ed\u010dn\u011b platit, tedy va\u0161e pojistn\u00e9, z\u00e1vis\u00ed nejen na v\u011bku, ale tak\u00e9 na zdravotn\u00edm stavu. D\u016fle\u017eitou sou\u010d\u00e1st\u00ed pojistn\u00e9ho je i ohodnocen\u00ed va\u0161eho povol\u00e1n\u00ed<\/strong>. Vy\u0161\u0161\u00ed pojistn\u00e9 zaplat\u00ed pracovn\u00edci v rizikov\u00fdch povol\u00e1n\u00edch, nap\u0159\u00edklad d\u0159evorubci, hasi\u010di, automechanici nebo obr\u00e1b\u011b\u010di kov\u016f. Pravd\u011bpodobnost \u00farazu u t\u011bchto rizikov\u011bj\u0161\u00edch kategori\u00ed<\/strong> je toti\u017e n\u00e1sobn\u011b vy\u0161\u0161\u00ed, ne\u017e kdy\u017e pracujete v administrativ\u011b a v pr\u00e1ci p\u0159ev\u00e1\u017en\u011b sed\u00edte u stolu. Pokud tedy v pr\u016fb\u011bhu pojistn\u00e9 doby sv\u016fj kari\u00e9rn\u00ed \u017eivot v\u00fdrazn\u011b zm\u011bn\u00edte, dejte o tom v\u011bd\u011bt i poji\u0161\u0165ovn\u011b. <\/p>\n\n\n\n

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Srovnat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u017divotn\u00ed pojistku uzav\u00edr\u00e1te na cel\u00fd \u017eivot. Anebo ne? Poj\u010fme se pod\u00edvat, jak funguje rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Dozv\u00edte se, kdy a na jak dlouho se pojistit, aby se v\u00e1m skute\u010dn\u011b vyplatilo. \u010cas hraje roli i v tom, kolik za \u017eivotko zaplat\u00edte na pojistn\u00e9m.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":1595,"comment_status":"closed","ping_status":"closed","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\/1539"}],"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=1539"}],"version-history":[{"count":5,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1539\/revisions"}],"predecessor-version":[{"id":3347,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1539\/revisions\/3347"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1595"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1539"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1539"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1539"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}