{"id":1814,"date":"2023-12-08T09:03:56","date_gmt":"2023-12-08T08:03:56","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1814"},"modified":"2025-05-29T10:08:33","modified_gmt":"2025-05-29T08:08:33","slug":"zivotni-pojisteni-pro-singles","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/zivotni-pojisteni-pro-singles\/","title":{"rendered":"M\u00e1 smysl si sjednat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kdy\u017e \u017eijete sami?"},"content":{"rendered":"\n

Mo\u017en\u00e1 v\u00e1m je trend \u201csingles\u201d bl\u00edzk\u00fd a na sv\u00e9m \u017eivot\u011b si nejv\u00edce cen\u00edte sv\u00e9ho klidu a nez\u00e1vislosti, ale z\u00e1rove\u0148 si uv\u011bdomujete i rizika, kter\u00e1 se s t\u00edm poj\u00ed. Nep\u0159\u00edjemn\u011b v\u00e1s mohou trable p\u0159ekvapit p\u0159edev\u0161\u00edm ve chv\u00edli, kdy \u017eijete jen z jednoho p\u0159\u00edjmu. Na\u0161t\u011bst\u00ed v\u00e1s p\u0159ed \u010d\u00edhaj\u00edc\u00edmi riziky m\u016f\u017ee dob\u0159e chr\u00e1nit \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.  <\/p>\n\n\n\n

Jedno\u010dlenn\u00fdch dom\u00e1cnost\u00ed neust\u00e1le p\u0159ib\u00fdv\u00e1. Bydlet s\u00e1m m\u016f\u017ee b\u00fdt va\u0161e p\u0159\u00e1n\u00ed, nutnost nebo v\u00fdsledek ne\u0161\u0165astn\u00e9 ud\u00e1losti. Ve v\u0161ech p\u0159\u00edpadech ale plat\u00ed, \u017ee se mus\u00edte spolehnout jen sami na sebe. Jak\u00e1koliv neo\u010dek\u00e1van\u00e1 zdravotn\u00ed komplikace pro jedno\u010dlenn\u00e9 dom\u00e1cnosti znamen\u00e1 mnohem v\u011bt\u0161\u00ed ohro\u017een\u00ed, ne\u017e kdy\u017e dom\u00e1cnost sd\u00edl\u00edte t\u0159eba se svou drahou polovi\u010dkou. Porad\u00edme, jak si v takov\u00e9 situaci \u017eivotn\u00ed poji\u0161t\u011bn\u00ed dob\u0159e nastavit.<\/p>\n\n\n\n

Pro\u010d si sjednat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kdy\u017e \u017eijete sami? <\/h2>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed je \u010dasto pokl\u00e1d\u00e1no za prost\u0159edek pro zaji\u0161t\u011bn\u00ed rodiny a zvl\u00e1\u0161t\u011b d\u016fle\u017eit\u00e9 je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed ve chv\u00edli, kdy m\u00e1te n\u011bjak\u00fd finan\u010dn\u00ed z\u00e1vazek (nap\u0159\u00edklad hypot\u00e9ku nebo jin\u00fd \u00fav\u011br), p\u0159\u00edpadn\u011b pokud sami pe\u010dujete o d\u011bti. To ale neznamen\u00e1, \u017ee byste jako jednotlivci nemohli zajistit sami sebe<\/strong>. Rozd\u00edl mezi \u017eivotn\u00edm poji\u0161t\u011bn\u00edm hlavy rodiny a samo\u017eivitele nen\u00ed na prvn\u00ed pohled p\u0159\u00edli\u0161 velk\u00fd. Z\u00e1le\u017e\u00ed zde toti\u017e p\u0159edev\u0161\u00edm na v\u00fdb\u011bru rizik a nastaven\u00ed<\/strong><\/a> pojistn\u00fdch \u010d\u00e1stek<\/strong>. A jak si poji\u0161t\u011bn\u00ed nastav\u00edte, takov\u00e9 ho budete m\u00edt. <\/p>\n\n\n\n

Jak konkr\u00e9tn\u011b v\u00e1m m\u016f\u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pomoci? M\u016f\u017ee v\u00e1m umo\u017enit nadstandardn\u00ed l\u00e9\u010dbu nemoci \u010di \u00farazu, \u00fapravu bydlen\u00ed nebo splacen\u00ed z\u00e1vazk\u016f v p\u0159\u00edpad\u011b invalidity a p\u0159\u00edpadn\u011b i kompenzaci v\u00fdpadku p\u0159\u00edjmu p\u0159i del\u0161\u00ed pracovn\u00ed neschopnosti. Nezapom\u00ednejte p\u0159edev\u0161\u00edm na poji\u0161t\u011bn\u00ed dlouhodob\u00fdch dopad\u016f <\/strong>nemoci \u010di \u00farazu. Tam pat\u0159\u00ed riziko smrti, invalidity, z\u00e1va\u017en\u00e9ho onemocn\u011bn\u00ed nebo trval\u00fdch n\u00e1sledk\u016f \u00farazu. Poji\u0161t\u011bn\u00ed smrti a invalidity se p\u0159itom sjedn\u00e1vaj\u00ed jako konstantn\u00ed<\/strong> (po celou dobu poji\u0161t\u011bn\u00ed stejn\u00e9) a klesaj\u00edc\u00ed <\/strong>(v \u010dase se sni\u017euj\u00ed nap\u0159\u00edklad podle spl\u00e1cen\u00ed hypot\u00e9ky). Kdy\u017e zvol\u00edte i klesaj\u00edc\u00ed pojistn\u00e9 \u010d\u00e1stky, pak bude cena poji\u0161t\u011bn\u00ed ni\u017e\u0161\u00ed ne\u017e v p\u0159\u00edpad\u011b konstantn\u00edch \u010d\u00e1stek<\/strong>. <\/p>\n\n\n\n

V p\u0159\u00edpad\u011b, \u017ee nedisponujete finan\u010dn\u00ed rezervou <\/strong>pro del\u0161\u00ed l\u00e9\u010den\u00ed nemoci nebo \u00farazu, m\u016f\u017eete se zamyslet i nad poji\u0161t\u011bn\u00edm pracovn\u00ed neschopnosti. S poji\u0161t\u011bn\u00edm kr\u00e1tkodob\u00fdch rizik ale bu\u010fte opatrn\u00ed<\/a>, nemus\u00ed se v\u017edy vyplatit. <\/p>\n\n\n\n

Co m\u00e1 obsahovat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro singles?<\/h2>\n\n\n\n

V\u017edy byste p\u0159i v\u00fdb\u011bru \u017eivotn\u00edho poji\u0161t\u011bn\u00ed m\u011bli br\u00e1t v potaz, zda m\u00e1te aktu\u00e1ln\u011b dostate\u010dnou pen\u011b\u017en\u00ed rezervu<\/strong>, zda chcete n\u011bkoho zajistit<\/strong> (p\u0159edev\u0161\u00edm sv\u00e9 d\u011bti) nebo zda m\u00e1te n\u011bjak\u00e9 nesplacen\u00e9 finan\u010dn\u00ed z\u00e1vazky<\/strong>. Od odpov\u011bd\u00ed na tyto ot\u00e1zky se toti\u017e odv\u00edj\u00ed v\u00fdb\u011br poji\u0161\u0165ovan\u00fdch rizik i nastaven\u00ed jejich pojistn\u00fdch \u010d\u00e1stek. A ty zase ovliv\u0148uj\u00ed cenu<\/strong> samotn\u00e9ho poji\u0161t\u011bn\u00ed. Na\u0161t\u011bst\u00ed ale poji\u0161t\u011bn\u00ed dlouhodob\u00fdch rizik pat\u0159\u00ed mezi ta nejlevn\u011bj\u0161\u00ed! <\/p>\n\n\n\n

\n
\n\n\n\n

P\u0159em\u00fd\u0161l\u00edte o sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed? Nejprve si srovnejte nab\u00eddky n\u011bkolika poji\u0161\u0165oven – zabere v\u00e1m to jen chvili\u010dku, a nav\u00edc zjist\u00edte, u kter\u00e9 poji\u0161\u0165ovny m\u016f\u017eete z\u00edskat nejv\u00fdhodn\u011bj\u0161\u00ed cenu. <\/p>\n<\/div>\n\n\n\n

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

K \u010demu slou\u017e\u00ed poji\u0161t\u011bn\u00ed dlouhodob\u00fdch rizik a jak je nastavit?<\/h3>\n\n\n\n