{"id":1582,"date":"2023-09-15T09:15:03","date_gmt":"2023-09-15T07:15:03","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1582"},"modified":"2025-05-29T10:21:41","modified_gmt":"2025-05-29T08:21:41","slug":"jak-na-pojisteni-hypoteky","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/jak-na-pojisteni-hypoteky\/","title":{"rendered":"Jak na poji\u0161t\u011bn\u00ed hypot\u00e9ky: Jak\u00e9 poji\u0161t\u011bn\u00ed vybrat a pro\u010d?"},"content":{"rendered":"\n<p>Pokud jste si vzali hypot\u00e9ku nebo ji teprve zva\u017eujete, m\u011bli byste pamatovat i na pomysln\u00e1 zadn\u00ed vr\u00e1tka. Co kdy\u017e si nebudete moci dovolit ka\u017ed\u00fd m\u011bs\u00edc poslat p\u0159es 20 000 korun bance, proto\u017ee kv\u016fli z\u00e1va\u017en\u00e9 nemoci nebo \u00farazu nebudete moci pracovat? M\u016f\u017eete vyu\u017e\u00edt poji\u0161t\u011bn\u00ed hypot\u00e9ky i \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Jak\u00fd je mezi nimi rozd\u00edl?<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Co se v \u010dl\u00e1nku dozv\u00edte?<\/h2><nav><ul><li class=\"\"><a href=\"#proc-myslet-na-pojisteni-hypoteky\">Pro\u010d myslet na poji\u0161t\u011bn\u00ed hypot\u00e9ky?\u00a0<\/a><\/li><li class=\"\"><a href=\"#zivotni-pojisteni\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#pojisteni-schopnosti-splacet\">Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet<\/a><\/li><li class=\"\"><a href=\"#rozdily-v-typech-pojisteni-hypoteky\">Rozd\u00edly v typech poji\u0161t\u011bn\u00ed hypot\u00e9ky<\/a><ul><li class=\"\"><a href=\"#rozdily-v-pojisteni-invalidity\">Rozd\u00edly v poji\u0161t\u011bn\u00ed invalidity<\/a><\/li><li class=\"\"><a href=\"#rozdily-v-pojisteni-pracovni-neschopnosti\">Rozd\u00edly v poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti\u00a0<\/a><\/li><li class=\"\"><a href=\"#pojisteni-ztraty-zamestnani\">Poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"proc-myslet-na-pojisteni-hypoteky\">Pro\u010d myslet na poji\u0161t\u011bn\u00ed hypot\u00e9ky?\u00a0<\/h2>\n\n\n\n<p>Hypot\u00e9ku si lid\u00e9 v\u011bt\u0161inou berou ve chv\u00edli, kdy jsou na vrcholu sv\u00fdch sil a maj\u00ed slibn\u011b rozjetou kari\u00e9ru. Nikdy ale s jistotou nev\u00ed, co se v dal\u0161\u00edch dvaceti nebo t\u0159iceti letech m\u016f\u017ee st\u00e1t. Riziko, \u017ee v\u00e1\u017en\u011b onemocn\u00edte nebo se o\u0161kliv\u011b zran\u00edte, nem\u016f\u017eete zcela odvr\u00e1tit. Dobr\u00e9 poji\u0161t\u011bn\u00ed ale znamen\u00e1 m\u00edt o starost m\u00ed\u0148, kdy\u017e u\u017e se v \u017eivot\u011b neda\u0159\u00ed.&nbsp;<\/p>\n\n\n\n<p>Sice nen\u00ed povinn\u00e9 si poji\u0161t\u011bn\u00ed k hypot\u00e9ce sjednat (narozd\u00edl od<strong> nutn\u00e9ho <a href=\"https:\/\/www.rixo.cz\/pojisteni-nemovitosti\/\">poji\u0161t\u011bn\u00ed nemovitosti<\/a> <\/strong>k zastaven\u00e9mu domu nebo bytu), ale rozhodn\u011b ho m\u016f\u017eeme jen doporu\u010dit. Jednou v\u00e1m toti\u017e m\u016f\u017ee st\u0159echu nad hlavou zachr\u00e1nit. M\u00e1te dv\u011b mo\u017enosti: <strong>\u017eivotko<\/strong>, nebo <strong>poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet<\/strong>. Pod\u00edv\u00e1me se, jak\u00e9 maj\u00ed tyto dva druhy &#8220;poji\u0161t\u011bn\u00ed hypot\u00e9ky&#8221; v\u00fdhody a nev\u00fdhody.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zivotni-pojisteni\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p>Sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je \u010dasto doporu\u010dovan\u00e9 lidem, kte\u0159\u00ed pr\u00e1v\u011b zakl\u00e1daj\u00ed rodinu nebo pot\u0159ebuj\u00ed zajistit n\u011bkoho jin\u00e9ho v p\u0159\u00edpad\u011b smrti. \u017divotko je ale tak\u00e9 velmi u\u017eite\u010dn\u00e9 ve chv\u00edli, kdy si berete hypote\u010dn\u00ed nebo jak\u00fdkoliv jin\u00fd \u00fav\u011br. Pro\u010d? Poj\u010fme se na to pod\u00edvat.<\/p>\n\n\n\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed je soubor jednotliv\u00fdch poji\u0161t\u011bn\u00ed. Ide\u00e1ln\u011b by m\u011blo obsahovat:<\/p>\n\n\n\n<ul>\n<li><strong><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><\/strong> z jak\u00fdchkoliv p\u0159\u00ed\u010din<\/li>\n\n\n\n<li><strong><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><\/strong> z jak\u00fdchkoliv p\u0159\u00ed\u010din (I.-III. stupe\u0148 invalidity)<\/li>\n\n\n\n<li><strong><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\/\">poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed<\/a><\/strong><\/li>\n\n\n\n<li><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\/\"><strong>poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/strong>\u00a0<\/a><\/li>\n<\/ul>\n\n\n\n<p>\u010cast\u00fdm dopl\u0148kem \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je tak\u00e9 <strong>poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/strong>, kter\u00e9 mohou vyu\u017e\u00edt nejen zam\u011bstnanci s pracovn\u00ed smlouvou, ale i OSV\u010c.&nbsp;<\/p>\n\n\n\n<p><a href=\"http:\/\/rixo.cz\/pojisteni-zivota\" target=\"_blank\" rel=\"noopener\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/a> si sjedn\u00e1v\u00e1te sami, v\u017edy si tedy obsah va\u0161\u00ed pojistn\u00e9 smlouvy m\u016f\u017eete upravit podle sebe. To se t\u00fdk\u00e1 nejen jednotliv\u00fdch rizik, ale i nastaven\u00ed pojistn\u00fdch \u010d\u00e1stek. Pokud je prim\u00e1rn\u00ed d\u016fvod pro sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed <strong>zaji\u0161t\u011bn\u00ed rodiny<\/strong>, v\u011bt\u0161inou si zvol\u00edte <strong>konstantn\u00ed pojistnou \u010d\u00e1stku<\/strong>, kter\u00e1 se v \u010dase nem\u011bn\u00ed &#8211; to znamen\u00e1, \u017ee jste l\u00e9ta poji\u0161t\u011bni na stejnou v\u00fd\u0161i pojistn\u00e9ho pln\u011bn\u00ed a plat\u00edte st\u00e1le stejn\u011b vysok\u00e9 pojistn\u00e9.&nbsp;<\/p>\n\n\n\n<p>Kdy\u017e se ale chcete ochr\u00e1nit hlavn\u011b pro p\u0159\u00edpad, \u017ee <strong>nebudete moci spl\u00e1cet hypot\u00e9ku<\/strong> nebo jin\u00fd \u00fav\u011br, sp\u00ed\u0161e vyu\u017eijete v\u00fdhody takzvan\u00e9 <strong>line\u00e1rn\u011b klesaj\u00edc\u00ed pojistn\u00e9 \u010d\u00e1stky<\/strong>. S \u0159\u00e1dn\u00fdm spl\u00e1cen\u00edm hypot\u00e9ky se bude pojistn\u00e1 \u010d\u00e1stka pravideln\u011b sni\u017eovat a vy budete platit \u010d\u00edm d\u00e1l t\u00edm ni\u017e\u0161\u00ed pojistn\u00e9. \u017divotko s klesaj\u00edc\u00ed pojistnou \u010d\u00e1stkou se zkr\u00e1tka bude pru\u017en\u011b p\u0159izp\u016fsobovat z\u016fstatku na va\u0161\u00ed hypot\u00e9ce. To ale neznamen\u00e1, \u017ee by p\u0159\u00edpadn\u00e9 pojistn\u00e9 pln\u011bn\u00ed putovalo do banky &#8211; jak s vyplacen\u00fdm pln\u011bn\u00edm nalo\u017e\u00edte, je zcela na v\u00e1s. \u017divotn\u00ed poji\u0161t\u011bn\u00ed je toti\u017e na va\u0161em \u00fav\u011bru zcela nez\u00e1visl\u00e9.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-text-color is-vertical is-content-justification-center is-layout-flex wp-container-core-group-is-layout-1 wp-block-group-is-layout-flex\" style=\"color:#605db5\">\n<hr class=\"wp-block-separator has-text-color has-alpha-channel-opacity has-background is-style-wide\" style=\"background-color:#d8d8fc;color:#d8d8fc\" \/>\n\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#605db5;font-size:18px\">Teprve o hypot\u00e9ce p\u0159em\u00fd\u0161l\u00edte? Je\u0161t\u011b p\u0159edt\u00edm, ne\u017e se rozhodnete nastavovat pojistnou \u010d\u00e1stku u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, spo\u010d\u00edtejte si, kolik budete na hypote\u010dn\u00edm \u00fav\u011bru spl\u00e1cet. Nepot\u0159ebujete k tomu kalkula\u010dku, sta\u010d\u00ed zadat jen p\u00e1r \u00fadaj\u016f a hypot\u00e9ky si srovnat.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size aligncenter\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/hypoteka\/\" style=\"background-color:#605db5\">Srovnat ceny hypot\u00e9k<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-alpha-channel-opacity has-background is-style-wide\" style=\"background-color:#d8d8fc;color:#d8d8fc\" \/>\n<\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pojisteni-schopnosti-splacet\">Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet (lidov\u011b \u201cpoji\u0161t\u011bn\u00ed hypot\u00e9ky\u201d) je zvl\u00e1\u0161tn\u00edm pojistn\u00fdm produktem, kter\u00fd banky nab\u00edz\u00ed automaticky s hypot\u00e9kou, v\u011bt\u0161inou od poji\u0161\u0165ovny, kter\u00e1 nese jejich zna\u010dku. Zpravidla b\u00fdv\u00e1 <strong>levn\u011bj\u0161\u00ed<\/strong> ne\u017e \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a n\u011bkdy m\u016f\u017eete za sjedn\u00e1n\u00ed pojistky s hypot\u00e9kou dostat i slevu na \u00faroku. \u010cast\u00fdm d\u016fvodem pro sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet je tak\u00e9 argument, \u017ee u n\u011bj nemus\u00edte<strong> vypl\u0148ovat zdravotn\u00ed dotazn\u00edk<\/strong> a m\u016f\u017eete tak \u201cproj\u00edt\u201d i s v\u011bt\u0161\u00edmi zdravotn\u00edmi riziky ne\u017e u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. To ale v\u011bt\u0161inou plat\u00ed jen pro poji\u0161t\u011bn\u00ed \u00fav\u011br\u016f na ni\u017e\u0161\u00ed \u010d\u00e1stky. U\u017e u poji\u0161t\u011bn\u00ed k \u00fav\u011bru na 1 milion korun po v\u00e1s m\u016f\u017ee poji\u0161\u0165ovna vypln\u011bn\u00ed zdravotn\u00edho dotazn\u00edku vy\u017eadovat.&nbsp;<\/p>\n\n\n\n<p>Nezapome\u0148te tak\u00e9 na to, \u017ee poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet je p\u0159\u00edmo nav\u00e1zan\u00e9 na hypot\u00e9ku nebo jin\u00fd \u00fav\u011br. <strong>Pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed tedy nedost\u00e1v\u00e1te vy, ale banka<\/strong>. Pod\u00edvejte se, jak takov\u00e9 poji\u0161t\u011bn\u00ed vypad\u00e1.&nbsp;<\/p>\n\n\n\n<p>Obvykle je poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet nab\u00edzen\u00e9 v bal\u00ed\u010dku, kter\u00fd zahrnuje:&nbsp;<\/p>\n\n\n\n<ul>\n<li>poji\u0161t\u011bn\u00ed smrti z jak\u00fdchkoliv p\u0159\u00ed\u010din<\/li>\n\n\n\n<li>poji\u0161t\u011bn\u00ed invalidity (zpravidla III. stupe\u0148)<\/li>\n\n\n\n<li>poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/li>\n\n\n\n<li><a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-ztraty-zamestnani-jak-funguje\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/pojisteni-ztraty-zamestnani-jak-funguje\/\">poji\u0161t\u011bn\u00ed nedobrovoln\u00e9 ztr\u00e1ty zam\u011bstn\u00e1n\u00ed<\/a><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/architects-engineer-discussing-table-with-blueprint-1-1-1.jpg\" alt=\"poji\u0161t\u011bn\u00ed hypot\u00e9ky\" class=\"wp-image-3349\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/architects-engineer-discussing-table-with-blueprint-1-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/architects-engineer-discussing-table-with-blueprint-1-1-1-300x200.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/architects-engineer-discussing-table-with-blueprint-1-1-1-768x512.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/architects-engineer-discussing-table-with-blueprint-1-1-1-100x67.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/architects-engineer-discussing-table-with-blueprint-1-1-1-675x450.jpg 675w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rozdily-v-typech-pojisteni-hypoteky\">Rozd\u00edly v typech poji\u0161t\u011bn\u00ed hypot\u00e9ky<\/h2>\n\n\n\n<p>\u0158\u00edk\u00e1te si, \u017ee je rozsah pojistn\u00fdch rizik u poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet skoro stejn\u00fd jako u \u017eivotka a nen\u00ed v tom \u017e\u00e1dn\u00fd rozd\u00edl? Pozor, rozd\u00edly tu jsou docela velk\u00e9.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"rozdily-v-pojisteni-invalidity\">Rozd\u00edly v poji\u0161t\u011bn\u00ed invalidity<\/h3>\n\n\n\n<p>Kryt\u00ed rizika invalidity se u poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet vztahuje v\u011bt\u0161inou <strong>pouze k III. stupni invalidity<\/strong>. Nen\u00ed mo\u017en\u00e9 si p\u0159itom poji\u0161t\u011bn\u00ed roz\u0161\u00ed\u0159it i na ni\u017e\u0161\u00ed stupn\u011b invalidity jako u \u017eivotka. Pokud z d\u016fvodu nemoci nebo \u00farazu pracovn\u00ed schopnost poji\u0161t\u011bn\u00e9ho v\u00fdrazn\u011b klesla, ale \u010cSSZ poji\u0161t\u011bn\u00e9mu nejvy\u0161\u0161\u00ed stupe\u0148 invalidity nep\u0159izn\u00e1, m\u016f\u017ee se cel\u00e1 rodina kv\u016fli omezen\u00e9mu kryt\u00ed ocitnout v probl\u00e9mech.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"rozdily-v-pojisteni-pracovni-neschopnosti\">Rozd\u00edly v poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti&nbsp;<\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti se v poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet od \u017eivotka tak\u00e9 li\u0161\u00ed. N\u00e1rok na pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti u poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet m\u00e1 toti\u017e stanovenou karen\u010dn\u00ed dobu nej\u010dast\u011bji v d\u00e9lce<strong> 28 dn\u00ed<\/strong>, u <strong>\u017eivotka to m\u016f\u017ee b\u00fdt jen 14 dn\u00ed<\/strong>. To znamen\u00e1, \u017ee pln\u011bn\u00ed dost\u00e1v\u00e1te u\u017e od 15. dne pracovn\u00ed neschopnosti, u poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet si po\u010dk\u00e1te cel\u00fd jeden m\u011bs\u00edc. Pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet i v tomto p\u0159\u00edpad\u011b slou\u017e\u00ed pouze k \u00fahrad\u011b spl\u00e1tky hypot\u00e9ky a <strong>putuje p\u0159\u00edmo do banky<\/strong>. Denn\u00ed d\u00e1vky z \u017eivotn\u00edho poji\u0161t\u011bn\u00ed oproti tomu dost\u00e1v\u00e1te jen vy.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pojisteni-ztraty-zamestnani\">Poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed<\/h3>\n\n\n\n<p>U poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet pro v\u00e1s m\u016f\u017ee b\u00fdt l\u00e1kav\u00e9 poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed, kter\u00e9 \u017eivotko nenab\u00edz\u00ed. Co je jeho obsahem? Poji\u0161\u0165ovna v p\u0159\u00edpad\u011b ztr\u00e1ty zam\u011bstn\u00e1n\u00ed uhrad\u00ed cel\u00e9 <strong>spl\u00e1tky \u00fav\u011bru od 3. m\u011bs\u00edce<\/strong> po pojistn\u00e9 ud\u00e1losti a\u017e za obdob\u00ed <strong>12 m\u011bs\u00edc\u016f<\/strong>. M\u011bjte ale na pam\u011bti, \u017ee se vztahuje jen na ur\u010dit\u00e9 p\u0159\u00edpady. V pojistn\u00fdch podm\u00ednk\u00e1ch toti\u017e m\u016f\u017eete narazit na ustanoven\u00ed, \u017ee pojistnou ud\u00e1lost\u00ed je v\u011bt\u0161inou jen <strong>nedobrovoln\u00e1 ztr\u00e1ta zam\u011bstn\u00e1n\u00ed<\/strong> a ukon\u010den\u00ed pracovn\u00edho pom\u011bru ze strany zam\u011bstnavatele.&nbsp;<\/p>\n\n\n\n<p>Typicky se jedn\u00e1 o v\u00fdpov\u011b\u010f z d\u016fvodu nadbyte\u010dnosti, zru\u0161en\u00ed pracovn\u00edho m\u00edsta nebo rovnou zru\u0161en\u00ed zam\u011bstnavatele. Pokud v\u00e1m dal zam\u011bstnavatel vale <strong>z jin\u00fdch d\u016fvod\u016f, m\u00e1te sm\u016flu<\/strong>. A to samoz\u0159ejm\u011b plat\u00ed i pro takzvan\u00e9 \u201cv\u00fdpov\u011bdi <strong>dohodou<\/strong>\u201d. Dohoda o ukon\u010den\u00ed pracovn\u00edho pom\u011bru je dvoustrann\u00fd \u00fakon. V o\u010d\u00edch poji\u0161\u0165ovny to pak znamen\u00e1, \u017ee jste sami pom\u011br (dobrovoln\u011b) ukon\u010dili. Pro OSV\u010c z podstaty v\u011bci poji\u0161t\u011bn\u00ed neplat\u00ed v\u016fbec, pokud pojistn\u00e9 podm\u00ednky v\u00fdslovn\u011b neuv\u00e1d\u00ed p\u0159\u00edpad zru\u0161en\u00ed \u017eivnosti.&nbsp;<\/p>\n\n\n\n<p>St\u00e1le se nem\u016f\u017eete rozhodnout, jak\u00e9 poji\u0161t\u011bn\u00ed zvolit? Pod\u00edvejte se na srovn\u00e1n\u00ed rozd\u00edl\u016f \u017eivotn\u00edho poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet je\u0161t\u011b jednou a p\u0159ehledn\u011b.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Rozd\u00edly mezi \u017eivotn\u00edm poji\u0161t\u011bn\u00edm a poji\u0161t\u011bn\u00edm schopnosti spl\u00e1cet<\/strong><\/td><td><strong>\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/td><td><strong>Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet<\/strong><\/td><\/tr><tr><td><strong>Kryt\u00ed smrti ze v\u0161ech p\u0159\u00ed\u010din<\/strong><\/td><td>Ano<\/td><td>Ano<\/td><\/tr><tr><td><strong>Kryt\u00ed invalidity<\/strong><\/td><td>Ano, I.-III. stupe\u0148<\/td><td>Ano, III. stupe\u0148<\/td><\/tr><tr><td><strong>Kryt\u00ed z\u00e1va\u017en\u00fdch nemoc\u00ed<\/strong><\/td><td>Ano<\/td><td>Ne<\/td><\/tr><tr><td><strong>Kryt\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/strong><\/td><td>Ano<\/td><td>Ne<\/td><\/tr><tr><td><strong>Kryt\u00ed pracovn\u00ed neschopnosti<\/strong><\/td><td>Ano, nejd\u0159\u00edve od 15. dne<\/td><td>Ano, nejd\u0159\u00edve od 29. dne<\/td><\/tr><tr><td><strong>Kryt\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed<\/strong><\/td><td>Ne<\/td><td>Ano, ve vyjmenovan\u00fdch p\u0159\u00edpadech<\/td><\/tr><tr><td><strong>Je mo\u017en\u00e9 si poji\u0161t\u011bn\u00ed nastavit podle pot\u0159eb?<\/strong><\/td><td>Ano<\/td><td>Ne<\/td><\/tr><tr><td><strong>Jak dlouho poji\u0161t\u011bn\u00ed trv\u00e1?<\/strong><\/td><td>Nejm\u00e9n\u011b 5 let<\/td><td>Do splacen\u00ed \u00fav\u011bru<\/td><\/tr><tr><td><strong>Komu n\u00e1le\u017e\u00ed pojistn\u00e9 pln\u011bn\u00ed?<\/strong><\/td><td>V\u00e1m<\/td><td>Bance<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Co doporu\u010dujeme my? Nespokojte se s nab\u00eddkou bank a rad\u011bji si srovnejte \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 si m\u016f\u017eete p\u0159izp\u016fsobit sv\u00fdm pot\u0159eb\u00e1m. V\u00e1\u0161 \u017eivot se p\u0159ece neto\u010d\u00ed jen kolem hypot\u00e9ky, nebo ne?<\/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=\"http:\/\/rixo.cz\/pojisteni-zivota\" style=\"background-color:#605db5\" target=\"_blank\" rel=\"noopener\">Srovnat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Pokud jste si vzali hypot\u00e9ku nebo ji teprve zva\u017eujete, m\u011bli byste pamatovat i na pomysln\u00e1 zadn\u00ed vr\u00e1tka. Co kdy\u017e si nebudete moci dovolit ka\u017ed\u00fd m\u011bs\u00edc poslat p\u0159es 20 000 korun bance, proto\u017ee kv\u016fli z\u00e1va\u017en\u00e9 nemoci nebo \u00farazu nebudete moci pracovat? M\u016f\u017eete vyu\u017e\u00edt poji\u0161t\u011bn\u00ed hypot\u00e9ky i \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Jak\u00fd je mezi nimi rozd\u00edl?<\/p>\n","protected":false},"author":11,"featured_media":1590,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,14,15,8],"tags":[52,30],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1582"}],"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=1582"}],"version-history":[{"count":7,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1582\/revisions"}],"predecessor-version":[{"id":3350,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1582\/revisions\/3350"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1590"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1582"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1582"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}