{"id":1931,"date":"2024-01-16T10:57:23","date_gmt":"2024-01-16T09:57:23","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1931"},"modified":"2024-01-16T10:58:45","modified_gmt":"2024-01-16T09:58:45","slug":"5-zasad-zivotniho-pojisteni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/5-zasad-zivotniho-pojisteni\/","title":{"rendered":"5 z\u00e1sad \u017eivotn\u00edho poji\u0161t\u011bn\u00ed: Na co nezapomenout a co ned\u011blat?"},"content":{"rendered":"\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m m\u016f\u017ee jednoho dne u\u0161et\u0159it spoustu starost\u00ed. Jak ale p\u0159i sjedn\u00e1n\u00ed postupovat, aby va\u0161e pojistka nebyla jen \u201cvyhazov\u00e1n\u00ed pen\u011bz\u201d a p\u0159i \u0159e\u0161en\u00ed t\u011b\u017ek\u00e9 \u017eivotn\u00ed situace v\u00e1m skute\u010dn\u011b pomohla? Sta\u010d\u00ed jen p\u00e1r krok\u016f, d\u00edky kter\u00fdm se budete moci na sv\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed po dal\u0161\u00ed des\u00edtky let pln\u011b spolehnout.&nbsp;<\/p>\n\n\n\n<p>Kdy\u017e se za\u010dnete zaj\u00edmat o \u017eivotko a seznamujete se s jeho podstatou, jednotliv\u00fdmi riziky i s \u0159adou r\u016fzn\u00fdch nab\u00eddek, mohou v\u00e1m snadno uniknout detaily, kter\u00e9 jsou v\u0161ak velmi d\u016fle\u017eit\u00e9. A to nejen pro poji\u0161\u0165ovnu, ale i pro v\u00e1s samotn\u00e9.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Pochopte \u00fa\u010del \u017eivotn\u00edho poji\u0161t\u011bn\u00ed&nbsp;<\/h2>\n\n\n\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed m\u00e1 b\u00fdt va\u0161\u00ed z\u00e1chrannou s\u00edt\u00ed v p\u0159\u00edpad\u011b, \u017ee v\u00e1m vlastn\u00ed finance nebudou sta\u010dit, a nepomohou v\u00e1m ani st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky a d\u016fchody. D\u00edky \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed m\u016f\u017eete nap\u0159\u00edklad zajistit svou rodinu po sv\u00e9m<strong> \u00famrt\u00ed<\/strong>, upravit sv\u00e9 bydlen\u00ed v p\u0159\u00edpad\u011b <strong>invalidity<\/strong>, zaplatit si nadstandardn\u00ed l\u00e9\u010dbu <strong>z\u00e1va\u017en\u00e9ho onemocn\u011bn\u00ed<\/strong> nebo si po\u0159\u00eddit nejmodern\u011bj\u0161\u00ed kompenza\u010dn\u00ed pom\u016fcky, kdy\u017e v\u00e1s postihne<strong> \u00faraz s trval\u00fdmi n\u00e1sledky<\/strong>. Tato rizika jsou st\u0159edobodem dob\u0159e nastaven\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed tak\u0159ka u kohokoliv. Pro\u010d? Proto\u017ee skute\u010dn\u011b mohou ohrozit stav va\u0161ich rodinn\u00fdch financ\u00ed.&nbsp;&nbsp;<\/p>\n\n\n\n<p>\u0160iroce popt\u00e1van\u00e9 je v\u0161ak p\u0159edev\u0161\u00edm <strong>poji\u0161t\u011bn\u00ed kr\u00e1tkodob\u00fdch dopad\u016f<\/strong>, kter\u00e9 \u010dasto m\u00edv\u00e1 povahu sp\u00ed\u0161e spekulativn\u00edch rizik. Nav\u00edc pat\u0159\u00ed mezi ta <strong>nejdra\u017e\u0161\u00ed poji\u0161t\u011bn\u00ed<\/strong>, kter\u00e1 si v r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed m\u016f\u017eete sjednat. Klasick\u00fdm p\u0159\u00edkladem je nap\u0159\u00edklad poji\u0161t\u011bn\u00ed <strong>denn\u00edho od\u0161kodn\u00e9ho <\/strong>za dobu l\u00e9\u010den\u00ed \u00farazu a dal\u0161\u00ed poji\u0161t\u011bn\u00ed vypl\u00e1cen\u00e1 formou <a href=\"https:\/\/www.rixo.cz\/blog\/denni-davky-a-zivotni-pojisteni\/\"><strong>denn\u00edch d\u00e1vek<\/strong><\/a>. P\u0159ece jen, kdy\u017e u\u017e si poji\u0161t\u011bn\u00ed plat\u00edte, mus\u00edte z n\u011bj tak\u00e9 n\u011bco dostat, \u017ee? Ne, takto by opravdu \u017eivotn\u00ed poji\u0161t\u011bn\u00ed fungovat nem\u011blo. Zva\u017ete, jestli skute\u010dn\u011b pot\u0159ebujete dostat 3 000 korun za zlomenou ruku. Vzpome\u0148te si t\u0159eba na poji\u0161t\u011bn\u00ed sv\u00e9ho auta. Plat\u00edte si snad havarijn\u00ed poji\u0161t\u011bn\u00ed proto, abyste z poji\u0161t\u011bn\u00ed hradili p\u0159elakov\u00e1n\u00ed po\u0161kr\u00e1ban\u00e9ho blatn\u00edku, kter\u00e9 v\u00e1s vyjde na necelou tis\u00edcovku?&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. \u010c\u00edm d\u0159\u00edve \u017eivotko sjedn\u00e1te, t\u00edm lep\u0161\u00ed pojistka i ni\u017e\u0161\u00ed cena<\/h2>\n\n\n\n<p>Odkl\u00e1dat n\u00e1kup nov\u00e9ho auta nebo vlastn\u00edho bydlen\u00ed o rok nebo deset let m\u016f\u017ee b\u00fdt zcela racion\u00e1ln\u00edm rozhodnut\u00edm. U \u017eivotn\u00edho poji\u0161t\u011bn\u00ed ale m\u016f\u017ee b\u00fdt va\u0161e dlouh\u00e9 \u010dek\u00e1n\u00ed p\u0159i pozd\u011bj\u0161\u00edm uzav\u0159en\u00ed pojistn\u00e9 smlouvy vykoupeno <strong>omezen\u00fdm kryt\u00edm rizik<\/strong> a <strong>p\u0159ir\u00e1\u017ekou k pojistn\u00e9mu. <\/strong>V krajn\u00edm p\u0159\u00edpad\u011b v\u00e1s poji\u0161\u0165ovna odm\u00edtne pojistit \u00fapln\u011b. Takov\u00e9 d\u016fsledky si ale m\u00e1lokdo z n\u00e1s uv\u011bdom\u00ed v\u010das. Zkr\u00e1tka nehas\u00edme, dokud n\u00e1s n\u011bco nep\u00e1l\u00ed.&nbsp;<\/p>\n\n\n\n<p>Klient\u016f, kte\u0159\u00ed si d\u016fle\u017eitost zaji\u0161t\u011bn\u00ed pro t\u011b\u017ek\u00e9 chv\u00edle uv\u011bdom\u00ed pozd\u011b, zaznamen\u00e1v\u00e1me ka\u017ed\u00fd t\u00fdden rovnou n\u011bkolik. Nemohou b\u00fdt poji\u0161t\u011bni, p\u0159\u00edpadn\u011b je jejich poji\u0161t\u011bn\u00ed omezen\u00e9 kv\u016fli <strong>individu\u00e1ln\u00edm v\u00fdluk\u00e1m <\/strong>na z\u00e1klad\u011b<strong> hodnocen\u00ed zdravotn\u00edho stavu<\/strong>, nap\u0159\u00edklad kv\u016fli vysok\u00e9mu tlaku, obezit\u011b \u010di diagn\u00f3ze z\u00e1va\u017en\u00e9 nemoci. Dal\u0161\u00ed mo\u017enost\u00ed pak je, \u017ee poji\u0161\u0165ovna klienta pojist\u00ed, ale s p\u0159ir\u00e1\u017ekou. S n\u00ed pak m\u016f\u017ee pojistn\u00e9 dosahovat i dvojn\u00e1sobku z\u00e1kladn\u00edho pojistn\u00e9ho, za kter\u00e9 byste se pojistili d\u0159\u00edve. Nez\u00e1le\u017e\u00ed tedy jen na tom, <strong>co si pojist\u00edte<\/strong>, ale i <strong>kdy<\/strong> si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed sjedn\u00e1te.&nbsp;<\/p>\n\n\n\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\">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 &#8211; zabere v\u00e1m to jen chvili\u010dku. 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<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter has-custom-font-size\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\" style=\"background-color:#605db5\">Srovnat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/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\n\n\n<h2 class=\"wp-block-heading\">3. Nezatloukejte, neml\u017ete, nel\u017eete<\/h2>\n\n\n\n<p>P\u0159i sjedn\u00e1v\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed se nevyhnete tomu, abyste poji\u0161\u0165ovn\u011b prozradili osobn\u00ed informace, kter\u00e9 si p\u0159\u00edsn\u011b st\u0159e\u017e\u00edte, a mo\u017en\u00e1 se za n\u011b i zbyte\u010dn\u011b styd\u00edte. Aby v\u00e1s \u017eivotn\u00ed poji\u0161t\u011bn\u00ed skute\u010dn\u011b mohlo dob\u0159e chr\u00e1nit, je d\u016fle\u017eit\u00e9 na zv\u00eddav\u00e9 ot\u00e1zky odpov\u00eddat <strong>pravdiv\u011b a \u00fapln\u011b<\/strong>. A to p\u0159edev\u0161\u00edm ve <strong>zdravotn\u00edm dotazn\u00edku<\/strong>. Ten je jedn\u00edm z nejd\u016fle\u017eit\u011bj\u0161\u00edch dokument\u016f, kter\u00fd budete vypl\u0148ovat p\u0159i sjedn\u00e1v\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<p>U jak\u00fdch ot\u00e1zek klienti nej\u010dast\u011bji ml\u017e\u00ed? P\u0159edev\u0161\u00edm u sv\u00e9 aktu\u00e1ln\u00ed <strong>t\u011blesn\u00e9 hmotnosti<\/strong>, d\u0159\u00edv\u011bj\u0161\u00edch <strong>zdravotn\u00edch probl\u00e9m\u016f<\/strong>, <strong>u\u017e\u00edv\u00e1n\u00ed l\u00e9k\u016f <\/strong>a samoz\u0159ejm\u011b tak\u00e9 u mno\u017estv\u00ed konzumovan\u00e9ho<strong> alkoholu <\/strong>a po\u010dtu denn\u011b vykou\u0159en\u00fdch <strong>cigaret<\/strong>. N\u011bkdy lid\u00e9 zkr\u00e1tka nev\u00ed nebo zapom\u00ednaj\u00ed, jak\u00e9 l\u00e9ky u\u017e\u00edvaj\u00ed nebo kolik kilogram\u016f zrovna v\u00e1\u017e\u00ed. Zvl\u00e1\u0161t\u011b u z\u00e1vislost\u00ed se ale \u010dasto sna\u017e\u00ed po\u017e\u00edv\u00e1n\u00ed alkoholu, cigaret (nebo dokonce i drog)<strong> zleh\u010dit<\/strong> a uv\u00e1d\u011bn\u00e9 mno\u017estv\u00ed \u201cpodst\u0159elit\u201d nebo dokonce \u00fapln\u011b <strong>zaml\u010det<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Pro\u010d je poskytov\u00e1n\u00ed pravdiv\u00fdch a p\u0159esn\u00fdch \u00fadaj\u016f tak d\u016fle\u017eit\u00e9? Sta\u010d\u00ed jen jedna zaml\u010den\u00e1 informace a vyplacen\u00ed pojistn\u00e9ho pln\u011bn\u00ed v\u00e1m v p\u0159\u00edpad\u011b budouc\u00edch zdravotn\u00edch neduh\u016f m\u016f\u017ee b\u00fdt <strong>kr\u00e1ceno<\/strong>, p\u0159\u00edpadn\u011b \u00fapln\u011b<strong> odm\u00edtnuto<\/strong>. Pravda se toti\u017e v\u017edy uk\u00e1\u017ee. A to pr\u00e1v\u011b ve chv\u00edli, kdy bude poji\u0161\u0165ovna pro\u0161et\u0159ovat nahl\u00e1\u0161enou pojistnou ud\u00e1lost a vy budete pln\u011bn\u00ed skute\u010dn\u011b pot\u0159ebovat.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Myslete na poji\u0161t\u011bn\u00ed, kdy\u017e m\u011bn\u00edte zam\u011bstn\u00e1n\u00ed nebo sporty<\/h2>\n\n\n\n<p>U\u017e p\u0159i sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed po\u010d\u00edtejte s t\u00edm, \u017ee druh va\u0161eho zam\u011bstn\u00e1n\u00ed a provozovan\u00e9 sporty hraj\u00ed v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed velkou roli. U\u017e na po\u010d\u00e1tku je pro poji\u0161\u0165ovnu d\u016fle\u017eit\u00e9 spr\u00e1vn\u011b uv\u00e9st a zhodnotit <strong>riziko va\u0161eho povol\u00e1n\u00ed a sport\u016f<\/strong> z hlediska pravd\u011bpodobnosti \u00farazu, nem\u011bli byste ale zapom\u00ednat poji\u0161\u0165ovn\u011b hl\u00e1sit i jak\u00e9koliv <strong>v\u00fdznamn\u00e9 zm\u011bny<\/strong> v pr\u016fb\u011bhu trv\u00e1n\u00ed va\u0161\u00ed pojistky. V p\u0159\u00edpad\u011b sport\u016f ur\u010dit\u011b nezapom\u00ednejte uv\u00e9st, na jak\u00e9 \u00farovni sport provozujete. Poji\u0161\u0165ovnu zaj\u00edm\u00e1, zda jde jen o rekrea\u010dn\u00ed sport, jste \u010dlenem n\u011bjak\u00e9ho klubu nebo dokonce se \u00fa\u010dastn\u00edte mezin\u00e1rodn\u00edch z\u00e1vod\u016f.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"534\" 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\/2024\/01\/medium-shot-man-teaching-boxing-1-1-1.jpg\" alt=\"rizikove-sporty-zivotni-pojisteni\" class=\"wp-image-1978\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/01\/medium-shot-man-teaching-boxing-1-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/01\/medium-shot-man-teaching-boxing-1-1-1-300x160.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/01\/medium-shot-man-teaching-boxing-1-1-1-768x410.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/01\/medium-shot-man-teaching-boxing-1-1-1-100x53.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/01\/medium-shot-man-teaching-boxing-1-1-1-700x374.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>Pro\u010d jsou informace o druhu va\u0161eho zam\u011bstn\u00e1n\u00ed a provozovan\u00fdch sportech d\u016fle\u017eit\u00e9? Podle nich poji\u0161\u0165ovna hodnot\u00ed va\u0161i rizikovost, kter\u00e1 se odr\u00e1\u017e\u00ed jak v <strong>nastaven\u00ed pojistn\u00fdch rizik<\/strong>, tak i v <strong>cen\u011b va\u0161eho poji\u0161t\u011bn\u00ed<\/strong>. Nen\u00ed tajemstv\u00edm, \u017ee \u010d\u00edm rizikov\u011bj\u0161\u00ed povol\u00e1n\u00ed a sporty vykon\u00e1v\u00e1te, t\u00edm <strong>vy\u0161\u0161\u00ed cenu poji\u0161t\u011bn\u00ed<\/strong> v\u00e1m poji\u0161\u0165ovna nab\u00eddne. To by ale nem\u011bla b\u00fdt informace, kter\u00e1 v\u00e1s m\u00e1 od zad\u00e1n\u00ed spr\u00e1vn\u00e9ho \u00fadaje odradit. Stejn\u011b jako u zaml\u010den\u00ed zdravotn\u00edch probl\u00e9m\u016f nebo u\u017e\u00edv\u00e1n\u00ed n\u00e1vykov\u00fdch l\u00e1tek by v\u00e1s toti\u017e toto opomenut\u00ed mohlo st\u00e1t p\u0159\u00edpadnou <strong>v\u00fdplatu pojistn\u00e9ho pln\u011bn\u00ed<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Vzhledem k tomu, \u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je z podstaty dlouhodob\u00fdm poji\u0161t\u011bn\u00edm, m\u016f\u017eete na n\u011bj po \u010dase zapomenout. Pokud ov\u0161em odch\u00e1z\u00edte z kancel\u00e1\u0159sk\u00e9 pozice do skladu, kde budete jezdit s je\u0161t\u011brkou, m\u011bli byste rozhodn\u011b opr\u00e1\u0161it kontakt s poji\u0161\u0165ovnou a nechat si <strong>smlouvu aktualizovat<\/strong>. Podobn\u011b by to m\u011blo b\u00fdt i v p\u0159\u00edpad\u011b, \u017ee jste se zhl\u00e9dli t\u0159eba v j\u00edzd\u011b na koni nebo horolezectv\u00ed, pokud va\u0161e smlouva tyto<strong> rizikov\u00e9 sporty<\/strong> dosud neobsahuje.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. \u010ct\u011bte podm\u00ednky (alespo\u0148 to nejd\u016fle\u017eit\u011bj\u0161\u00ed)<\/h2>\n\n\n\n<p>Kolikr\u00e1t za \u017eivot jste si p\u0159i vyu\u017eit\u00ed n\u011bjak\u00e9 slu\u017eby, sjedn\u00e1v\u00e1n\u00ed finan\u010dn\u00edch produkt\u016f nebo zakl\u00e1d\u00e1n\u00ed \u00fa\u010dt\u016f na e-shopu p\u0159e\u010detli obchodn\u00ed podm\u00ednky? Pravd\u011bpodobn\u011b mockr\u00e1t ne. K pojistn\u00fdm podm\u00ednk\u00e1m u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed byste ale m\u011bli <strong>p\u0159istupovat jinak<\/strong>. Jde tady p\u0159ece jen o to nejcenn\u011bj\u0161\u00ed, co m\u00e1te &#8211; va\u0161e zdrav\u00ed. Nejl\u00e9pe ud\u011bl\u00e1te, pokud se sezn\u00e1m\u00edte s obsahem pojistn\u00fdch podm\u00ednek od za\u010d\u00e1tku do konce. Pokud se ale na \u010dten\u00ed n\u011bkolika des\u00edtek stran textu v hutn\u00e9m poji\u0161\u0165ovac\u00edm \u017eargonu nec\u00edt\u00edte, v\u011bnujte pozornost alespo\u0148 <strong>v\u00fdluk\u00e1m <\/strong>z poji\u0161t\u011bn\u00ed a <a href=\"https:\/\/www.rixo.cz\/blog\/cekaci-doba-u-pojisteni\/\"><strong>\u010dekac\u00edm dob\u00e1m<\/strong><\/a>, kter\u00e9 se k jednotliv\u00fdm rizik\u016fm vztahuj\u00ed.&nbsp;<\/p>\n\n\n\n<p>Mohlo by v\u00e1s toti\u017e pozd\u011bji p\u0159ekvapit, \u017ee n\u011bkter\u00e9 zdravotn\u00ed pot\u00ed\u017ee poji\u0161t\u011bn\u00ed kryje <strong>jen po uplynut\u00ed ur\u010dit\u00e9 doby<\/strong>, nebo je t\u0159eba <strong>nekryje v\u016fbec<\/strong>. Mezi klasick\u00e9 v\u00fdluky v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed, konkr\u00e9tn\u011b nap\u0159\u00edklad v poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti nebo poji\u0161t\u011bn\u00ed invalidity pat\u0159\u00ed nap\u0159\u00edklad p\u0159izn\u00e1n\u00ed invalidity z d\u016fvodu <strong>du\u0161evn\u00edch onemocn\u011bn\u00ed<\/strong> s v\u00fdjimkou n\u011bkolika specificky vyjmenovan\u00fdch diagn\u00f3z a <strong>bolesti zad, kloub\u016f <\/strong>a dal\u0161\u00edch nep\u0159\u00edjemnost\u00ed spojen\u00fdch s kostern\u00ed soustavou. Mezi <strong>obecn\u00e9 v\u00fdluky<\/strong> vztahuj\u00edc\u00ed se k \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed jako celku pat\u0159\u00ed nap\u0159\u00edklad pr\u00e1vo poji\u0161\u0165ovny odm\u00edtnout v\u00fdplatu pln\u011bn\u00ed, pokud do\u0161lo k \u00farazu p\u0159i p\u00e1ch\u00e1n\u00ed \u00famysln\u00e9 trestn\u00e9 \u010dinnosti nebo p\u0159i \u00fa\u010dasti na v\u00e1le\u010dn\u00fdch ud\u00e1lostech a nepokoj\u00edch.<\/p>\n\n\n\n<p>P\u0159ipad\u00e1 v\u00e1m \u017eivotn\u00ed poji\u0161t\u011bn\u00ed slo\u017eit\u00e9 a rad\u011bji si s v\u00fdb\u011brem a nastaven\u00edm poji\u0161t\u011bn\u00ed <strong>nech\u00e1te poradit<\/strong>? Jsme tu pro v\u00e1s. Sta\u010d\u00ed si jen \u017eivotn\u00ed poji\u0161t\u011bn\u00ed srovnat na RIXO.cz a my v\u00e1m s v\u00fdb\u011brem poji\u0161t\u011bn\u00ed, kter\u00e9 bude odpov\u00eddat va\u0161im p\u0159edstav\u00e1m, r\u00e1di pom\u016f\u017eeme. Zkuste to, srovn\u00e1n\u00ed nab\u00eddek na RIXO.cz je jednoduch\u00e9, bezplatn\u00e9 a samoz\u0159ejm\u011b nez\u00e1vazn\u00e9!<\/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:#605db5\">Srovnat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m m\u016f\u017ee jednoho dne u\u0161et\u0159it spoustu starost\u00ed. Jak ale p\u0159i sjedn\u00e1n\u00ed postupovat, aby va\u0161e pojistka nebyla jen \u201cvyhazov\u00e1n\u00ed pen\u011bz\u201d a p\u0159i \u0159e\u0161en\u00ed t\u011b\u017ek\u00e9 \u017eivotn\u00ed situace v\u00e1m skute\u010dn\u011b pomohla? Sta\u010d\u00ed  k tomu jen p\u00e1r krok\u016f.<\/p>\n","protected":false},"author":11,"featured_media":1933,"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\/1931"}],"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=1931"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1931\/revisions"}],"predecessor-version":[{"id":1980,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1931\/revisions\/1980"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1933"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1931"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1931"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}