{"id":1673,"date":"2023-10-16T09:44:41","date_gmt":"2023-10-16T07:44:41","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1673"},"modified":"2023-10-16T09:44:43","modified_gmt":"2023-10-16T07:44:43","slug":"zivotni-pojisteni-pro-osvc-jak-na-to","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/zivotni-pojisteni-pro-osvc-jak-na-to\/","title":{"rendered":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed pro OSV\u010c: Jak na to?"},"content":{"rendered":"\n

Podnikat jako OSV\u010c, nebo se rad\u011bji nechat zam\u011bstnat? B\u00fdt podnikatelem znamen\u00e1 b\u00fdt sv\u00fdm p\u00e1nem, ale z\u00e1rove\u0148 na sebe mus\u00edte vz\u00edt v\u00edce rizik. Byznysov\u00e9 ne\u00fasp\u011bchy v\u00e1m sice nikdo nepojist\u00ed, co kdy\u017e se ale jedn\u00e1 o va\u0161e zdrav\u00ed? Nespol\u00e9hejte se jen na \u0161t\u011bst\u00ed. Vysv\u011btl\u00edme v\u00e1m, pro\u010d m\u00e1 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro OSV\u010c v\u00fdznam a na co se p\u0159i sjedn\u00e1v\u00e1n\u00ed \u017eivotn\u00ed pojistky soust\u0159edit, aby v\u00e1s nenechala ve \u0161tychu. <\/p>\n\n\n\n

Osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 maj\u00ed st\u00e1tem ulo\u017eenou kupu povinnost\u00ed, oproti zam\u011bstnanc\u016fm na n\u011b ale ne\u010dek\u00e1 z\u00e1chrann\u00e1 s\u00ed\u0165, kter\u00e1 by jim p\u0159i nemoci nebo \u00farazu pomohla se finan\u010dn\u011b vyrovnat s nastalou situac\u00ed. Pokud se v\u00e1m jako OSV\u010c nevyplat\u00ed dobrovoln\u00e9 p\u0159ihl\u00e1\u0161en\u00ed k nemocensk\u00e9mu poji\u0161t\u011bn\u00ed<\/strong>, ale p\u0159esto chcete m\u00edt jistotu dobr\u00e9ho \u017eivobyt\u00ed i p\u0159i zdravotn\u00edch pot\u00ed\u017e\u00edch, \u0159e\u0161en\u00edm m\u016f\u017ee b\u00fdt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Pod\u00edvejme se na to podrobn\u011b. <\/p>\n\n\n\n

Na jak\u00e1 rizika myslet, kdy\u017e si sjedn\u00e1v\u00e1te \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? <\/h2>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed se skl\u00e1d\u00e1 z cel\u00e9 \u0159ady poji\u0161t\u011bn\u00ed jednotliv\u00fdch rizik. U jednotliv\u00fdch poji\u0161t\u011bn\u00ed je d\u016fle\u017eit\u00e9 si uv\u011bdomit, jak\u00e1 jsou pro v\u00e1s pot\u0159ebn\u00e1 a jakou v\u00fd\u0161i pln\u011bn\u00ed byste si u nich m\u011bli nastavit. To z\u00e1le\u017e\u00ed p\u0159edev\u0161\u00edm na va\u0161\u00ed konkr\u00e9tn\u00ed rodinn\u00e9 a finan\u010dn\u00ed situaci. <\/p>\n\n\n\n

Z\u00e1klad, kter\u00fd byste p\u0159i sjedn\u00e1v\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed nem\u011bli opomenout, tvo\u0159\u00ed poji\u0161t\u011bn\u00ed dlouhodob\u00fdch dopad\u016f nemoci nebo \u00farazu. Jedn\u00e1 se o rizika smrti, invalidity, z\u00e1va\u017en\u00e9ho onemocn\u011bn\u00ed a trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/strong>. Druh\u00e1 skupina rizik se zam\u011b\u0159uje na poji\u0161t\u011bn\u00ed kr\u00e1tkodob\u00fdch dopad\u016f nemoci a \u00farazu. Ta jsou zahrnut\u00e1 p\u0159edev\u0161\u00edm v poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti, hospitalizace nebo denn\u00edho od\u0161kodn\u00e9ho za \u00faraz<\/strong>. Tato poji\u0161t\u011bn\u00ed lid\u00e9 vol\u00ed p\u0159edev\u0161\u00edm v situaci, \u017ee nejsou p\u0159ihl\u00e1\u0161en\u00ed k nemocensk\u00e9mu poji\u0161t\u011bn\u00ed, a i kr\u00e1tkodob\u00fd v\u00fdpadek p\u0159\u00edjm\u016f z d\u016fvodu zdravotn\u00edch pot\u00ed\u017e\u00ed by ohrozil jejich rodinn\u00fd rozpo\u010det. <\/p>\n\n\n\n

Pokud m\u00e1te za v\u0161ech okolnost\u00ed na \u00fa\u010dtu rezervu, se kterou v klidu p\u0159e\u010dk\u00e1te i \u010dtvrt roku l\u00e9\u010den\u00ed, poji\u0161t\u011bn\u00ed kr\u00e1tkodob\u00fdch dopad\u016f m\u016f\u017eete s klidem p\u0159esko\u010dit. Nep\u0159ece\u0148ujte ale sv\u00e9 s\u00edly – sta\u010d\u00ed jednor\u00e1zov\u00fd v\u00fddaj na opravu auta nebo po\u0159\u00edzen\u00ed pracovn\u00edch prost\u0159edk\u016f, a va\u0161e rezerva se r\u00e1zem zmen\u0161\u00ed.<\/p>\n\n\n\n

Vyplat\u00ed se \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro OSV\u010c?  <\/h2>\n\n\n\n

Pokud nem\u00e1te \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, m\u016f\u017eete se spolehnout jen na sebe, svou rodinu nebo st\u00e1t. Jak by vypadalo srovn\u00e1n\u00ed st\u00e1tn\u00ed pomoci s pln\u011bn\u00edm<\/strong> z \u017eivotn\u00edho poji\u0161t\u011bn\u00ed? Pokud v\u00e1s neo\u010dek\u00e1van\u00fd zdravotn\u00ed probl\u00e9m potk\u00e1, m\u00e1te n\u00e1rok jak na pomoc od st\u00e1tu, tak i pln\u011bn\u00ed z \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. Jinak si mus\u00edte vysta\u010dit s t\u00edm, co nab\u00edz\u00ed \u010desk\u00fd soci\u00e1ln\u00ed syst\u00e9m. Dobr\u00fdm ukazatelem je invalidn\u00ed d\u016fchod. <\/p>\n\n\n\n

P\u0159edve\u010fme si to n\u00e1zorn\u011b na \u201cfigurantovi\u201d Jakubovi, kter\u00e9mu je 38 let, m\u00e1 dv\u011b d\u011bti a \u017eiv\u00ed se jako p\u0159ekladatel na voln\u00e9 noze. Jeho hrub\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem \u010din\u00ed 50 000 K\u010d a soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed plat\u00ed ji\u017e 15 let. Nem\u00e1 velkou finan\u010dn\u00ed rezervu, plat\u00ed si proto je\u0161t\u011b dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed. <\/p>\n\n\n\n

Jak by v roce 2023 vypadal jeho d\u016fchod v p\u0159\u00edpad\u011b p\u0159izn\u00e1n\u00ed invalidity? Nen\u00ed tajemstv\u00edm, \u017ee OSV\u010c pob\u00edraj\u00ed invalidn\u00ed d\u016fchod v ni\u017e\u0161\u00ed v\u00fdm\u011b\u0159e ne\u017e zam\u011bstnanci. Pravd\u011bpodobn\u011b by Jakub v takov\u00e9 situaci pot\u0159eboval je\u0161t\u011b pomoc rodiny. <\/p>\n\n\n\n

P\u0159iznan\u00fd stupe\u0148 invalidity<\/td>M\u011bs\u00ed\u010dn\u00ed invalidn\u00ed d\u016fchod<\/td><\/tr>
I. stupe\u0148<\/td>9 528 K\u010d<\/td><\/tr>
II. stupe\u0148<\/td>12 271 K\u010d<\/td><\/tr>
III. stupe\u0148<\/td>20 502 K\u010d<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

V p\u0159\u00edpad\u011b, \u017ee by Jakub dostal \u201cneschopenku\u201d kv\u016fli kr\u00e1tkodob\u00e9 nemoci nebo leh\u010d\u00edmu \u00farazu a platil nemocensk\u00e9 poji\u0161t\u011bn\u00ed d\u00e9le ne\u017e t\u0159i m\u011bs\u00edce, m\u011bl by n\u00e1rok na nemocensk\u00e9 d\u00e1vky ve v\u00fd\u0161i 268 K\u010d\/denn\u011b od 15. dne pracovn\u00ed neschopnosti. Za 1 m\u011bs\u00edc by pak dostal 8 040 korun.  <\/p>\n\n\n\n

Jak by vypadalo \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro OSV\u010c?<\/h3>\n\n\n\n

Vyp\u016fj\u010d\u00edme si op\u011bt p\u0159\u00edklad p\u0159ekladatele Jakuba. \u017divotn\u00ed poji\u0161t\u011bn\u00ed zajist\u00ed nejen jeho, ale i rodinu. Nav\u00edc mu pom\u016f\u017ee nejen v p\u0159\u00edpad\u011b invalidity a pracovn\u00ed neschopnosti. Na poji\u0161\u0165ovnu se tak\u00e9 m\u016f\u017ee spolehnout, pokud mu byla diagnostikov\u00e1na z\u00e1va\u017en\u00e1 nemoc nebo se mu stal p\u0159i sportu \u00faraz, kter\u00fd zanechal trval\u00e9 n\u00e1sledky. Pojistku si m\u016f\u017ee nastavit podle sv\u00fdch pot\u0159eb a p\u0159\u00e1n\u00ed. My bychom doporu\u010dili n\u00e1sleduj\u00edc\u00ed nastaven\u00ed: <\/p>\n\n\n\n

Riziko<\/strong><\/td>Pojistn\u00e1 \u010d\u00e1stka<\/strong><\/td><\/tr>
Smrt<\/td>1 000 000 K\u010d (v sou\u010dtu konstantn\u00ed a klesaj\u00edc\u00ed \u010d\u00e1stky)<\/td><\/tr>
Invalidita III. stupn\u011b<\/td>2 800 000 K\u010d (v sou\u010dtu konstantn\u00ed a klesaj\u00edc\u00ed \u010d\u00e1stky)<\/td><\/tr>
Invalidita II. stupn\u011b<\/td>1 400 000 K\u010d (v sou\u010dtu konstantn\u00ed a klesaj\u00edc\u00ed \u010d\u00e1stky)<\/td><\/tr>
Z\u00e1va\u017en\u00e9 nemoci<\/td>300 000 K\u010d<\/td><\/tr>
Trval\u00e9 n\u00e1sledky \u00farazu<\/td>1 000 000 K\u010d<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Pozn\u00e1mka: Invaliditu I. stupn\u011b u du\u0161evn\u011b pracuj\u00edc\u00edch sjedn\u00e1vat nedoporu\u010dujeme. Ti i po p\u0159izn\u00e1n\u00ed nejni\u017e\u0161\u00edho stupn\u011b invalidity v\u011bt\u0161inou pokra\u010duj\u00ed ve sv\u00e9m dosavadn\u00edm povol\u00e1n\u00ed nebo se uplatn\u00ed na obdobn\u00e9 pozici. <\/p>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 kryje v\u0161echna v\u00fdznamn\u00e1 rizika (a p\u0159\u00edpadn\u011b i pracovn\u00ed neschopnost), je mo\u017en\u00e9 sjednat u\u017e od 1 200 K\u010d m\u011bs\u00ed\u010dn\u011b. Vzhledem k tomu, \u017ee v\u00e1s p\u0159i nesn\u00e1z\u00edch soci\u00e1ln\u00ed syst\u00e9m \u201cnevytrhne\u201d, ani s ni\u017e\u0161\u00edm nastaven\u00edm pojistn\u00fdch \u010d\u00e1stek u \u017eivotka neprohloup\u00edte. Hlavn\u00ed toti\u017e je, \u017ee se v p\u0159\u00edpad\u011b pot\u0159eby m\u00e1te kam obr\u00e1tit. <\/p>\n\n\n\n

Da\u0148ov\u00e9 re\u017eimy a jejich vliv na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro OSV\u010c <\/h2>\n\n\n\n

U poji\u0161t\u011bn\u00ed dlouhodob\u00fdch dopad\u016f <\/strong>nemoci nebo \u00farazu m\u00e1 v\u00fd\u0161e va\u0161eho p\u0159\u00edjmu men\u0161\u00ed vliv na nastaven\u00ed \u010d\u00e1stek ne\u017e u kr\u00e1tkodob\u00fdch dopad\u016f. Nicm\u00e9n\u011b u poji\u0161t\u011bn\u00ed invalidity si poji\u0161\u0165ovny \u010dasto ov\u011b\u0159uj\u00ed, jak\u00e9 pob\u00edr\u00e1te p\u0159\u00edjmy. Pln\u011bn\u00ed z t\u011bchto poji\u0161t\u011bn\u00ed nem\u00e1 slou\u017eit jako n\u00e1hrada va\u0161eho v\u00fdd\u011blku, ale m\u00e1 plnit sp\u00ed\u0161e funkci zaji\u0161t\u011bn\u00ed<\/strong> rodiny a ochrany<\/strong> proti neo\u010dek\u00e1van\u00fdm n\u00e1klad\u016fm v del\u0161\u00edm \u010dasov\u00e9m horizontu. Smyslem poji\u0161t\u011bn\u00ed kr\u00e1tkodob\u00fdch dopad\u016f <\/strong>je naopak udr\u017een\u00ed finan\u010dn\u00ed stability<\/strong> v obdob\u00ed, kdy m\u00e1te akutn\u00ed probl\u00e9m a nem\u016f\u017eete si proto na n\u011bjak\u00fd \u010das zajistit \u017eivobyt\u00ed sami. V r\u00e1mci poji\u0161t\u011bn\u00ed kr\u00e1tkodob\u00fdch dopad\u016f je ale na spr\u00e1vn\u00e9 nastaven\u00ed denn\u00edch d\u00e1vek pot\u0159eba poji\u0161\u0165ovn\u011b dolo\u017eit sv\u00e9 p\u0159\u00edjmy a v\u00fddaje. Jednodu\u0161e je prok\u00e1\u017eete, pokud pod\u00e1v\u00e1te da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed<\/strong>.<\/p>\n\n\n\n

V re\u017eimu pau\u0161\u00e1ln\u00ed dan\u011b, kdy plat\u00edte m\u011bs\u00ed\u010dn\u00ed odvody zahrnuj\u00edc\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed, soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed i da\u0148 z p\u0159\u00edjmu najednou, nevedete \u00fa\u010detnictv\u00ed a \u017e\u00e1dn\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed nepod\u00e1v\u00e1te. To znamen\u00e1, \u017ee nem\u00e1te ani jak prok\u00e1zat skute\u010dnou v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f a v\u00fddaj\u016f<\/strong>. Maxim\u00e1ln\u00ed \u010d\u00e1stka denn\u00ed d\u00e1vky za pracovn\u00ed neschopnost nebo denn\u00ed od\u0161kodn\u00e9 \u00farazem v takov\u00e9m p\u0159\u00edpad\u011b bude \u010dinit 500-600 korun<\/strong>. A to bez ohledu na to, \u017ee va\u0161e skute\u010dn\u00e9 denn\u00ed p\u0159\u00edjmy jsou vy\u0161\u0161\u00ed. N\u011bkter\u00e9 poji\u0161\u0165ovny nastavily vlastn\u00ed metodiku, jak postupovat u klient\u016f s pau\u0161\u00e1ln\u00ed dan\u00ed v jednotliv\u00fdch p\u00e1smech. U t\u011bchto poji\u0161\u0165oven byste pak mohli sjednat i vy\u0161\u0161\u00ed \u010d\u00e1stku pro denn\u00ed d\u00e1vku. <\/p>\n\n\n\n

Pokud da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed pod\u00e1v\u00e1te<\/strong>, denn\u00ed d\u00e1vky budou nastaven\u00e9 podle va\u0161ich skute\u010dn\u00fdch p\u0159\u00edjm\u016f a v\u00fddaj\u016f a dle pravidel konkr\u00e9tn\u00ed poji\u0161\u0165ovny. V z\u00e1vislosti na nich byste mohli dos\u00e1hnout na denn\u00ed d\u00e1vku za pracovn\u00ed neschopnost, kter\u00e1 je obdobou nemocensk\u00fdch d\u00e1vek, nap\u0159\u00edklad i ve v\u00fd\u0161i 2 000 korun<\/strong>. <\/p>\n\n\n\n

Nejistota k podnik\u00e1n\u00ed pat\u0159\u00ed. Pro sebe i svou rodinu ale m\u016f\u017eete jistotu pro t\u011b\u017ek\u00e9 chv\u00edle z\u00edskat sjedn\u00e1n\u00edm \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. Nen\u00ed to v\u016fbec slo\u017eit\u00e9 – sta\u010d\u00ed zadat p\u00e1r \u00fadaj\u016f, prohl\u00e9dnout si srovn\u00e1n\u00ed nab\u00eddek poji\u0161\u0165oven a do t\u0159\u00ed minut m\u00e1te hotovo. <\/p>\n\n\n\n

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

Podnikat jako OSV\u010c, nebo se rad\u011bji nechat zam\u011bstnat? B\u00fdt podnikatelem znamen\u00e1 b\u00fdt sv\u00fdm p\u00e1nem, ale z\u00e1rove\u0148 na sebe mus\u00edte vz\u00edt v\u00edce rizik. Byznysov\u00e9 ne\u00fasp\u011bchy v\u00e1m sice nikdo nepojist\u00ed, co kdy\u017e se ale jedn\u00e1 o va\u0161e zdrav\u00ed? Nespol\u00e9hejte se jen na \u0161t\u011bst\u00ed. Vysv\u011btl\u00edme v\u00e1m, pro\u010d m\u00e1 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro OSV\u010c v\u00fdznam a na co se p\u0159i sjedn\u00e1v\u00e1n\u00ed \u017eivotn\u00ed pojistky soust\u0159edit, aby v\u00e1s nenechala ve \u0161tychu.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":1678,"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\/1673"}],"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=1673"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1673\/revisions"}],"predecessor-version":[{"id":1686,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1673\/revisions\/1686"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1678"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1673"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1673"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}