{"id":1990,"date":"2024-02-05T09:28:44","date_gmt":"2024-02-05T08:28:44","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1990"},"modified":"2025-05-29T09:57:10","modified_gmt":"2025-05-29T07:57:10","slug":"kolik-zaplatite-za-zivotni-pojisteni-a-jak-na-nem-usetrit","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/kolik-zaplatite-za-zivotni-pojisteni-a-jak-na-nem-usetrit\/","title":{"rendered":"Kolik zaplat\u00edte za \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a jak na n\u011bm u\u0161et\u0159it?"},"content":{"rendered":"\n

Dob\u0159e nastaven\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je za ka\u017ed\u00fdch okolnost\u00ed dobr\u00fd pomocn\u00edk, na kter\u00e9ho se m\u016f\u017eete v t\u011b\u017ek\u00fdch chv\u00edl\u00edch spolehnout. Mus\u00ed v\u00e1s ale vyj\u00edt na tis\u00edce korun m\u011bs\u00ed\u010dn\u011b? Nemus\u00ed. Sta\u010d\u00ed jen v\u011bd\u011bt, jak na to. <\/p>\n\n\n\n

\u017de se \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v \u017eivot\u011b hod\u00ed, v\u00ed spousta lid\u00ed. Od sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed v\u00e1s ale m\u016f\u017ee snadno odradit prvn\u00ed pohled na kalkulaci pojistn\u00e9ho. Tis\u00edcovka nav\u00edc v m\u011bs\u00ed\u010dn\u00edm rozpo\u010dtu zkr\u00e1tka nen\u00ed pro ka\u017ed\u00e9ho mal\u00e1 \u010d\u00e1stka, kterou bez rozmyslu po\u0161le poji\u0161\u0165ovn\u011b. Na\u0161t\u011bst\u00ed se i na dobr\u00e9m \u017eivotn\u00edm poji\u0161t\u011bn\u00ed d\u00e1 v\u00fdrazn\u011b u\u0161et\u0159it. <\/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

Co si (ne)pojistit, kdy\u017e nechcete drah\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? <\/h2>\n\n\n\n

Nechcete d\u00e1vat za \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v\u00edc, ne\u017e je nutn\u00e9? Nemus\u00edte se vzd\u00e1vat \u017e\u00e1dn\u00fdch d\u016fle\u017eit\u00fdch rizik ani \u201cpodst\u0159elovat\u201d pojistn\u00e9 \u010d\u00e1stky. Sta\u010d\u00ed se dr\u017eet doporu\u010den\u00e9ho nastaven\u00ed a soust\u0159edit se na poji\u0161t\u011bn\u00ed dlouhodob\u00fdch dopad\u016f <\/strong>nemoc\u00ed a \u00faraz\u016f. Mezi n\u011b pat\u0159\u00ed poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti<\/strong><\/a>, poji\u0161t\u011bn\u00ed invalidity<\/strong><\/a>, trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/a> <\/strong>a z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed<\/a><\/strong>.\u00a0<\/p>\n\n\n\n

A \u010deho se naopak p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed vzd\u00e1t<\/strong>? Nenechte se zl\u00e1kat poji\u0161t\u011bn\u00edm kr\u00e1tkodob\u00fdch dopad\u016f<\/strong> nemoc\u00ed a \u00faraz\u016f, u nich\u017e budete m\u00edt vidinu rychl\u00e9ho pln\u011bn\u00ed. Nejen\u017ee drobn\u00e9 \u00farazy a b\u011b\u017en\u00e9 nemoci zpravidla neohro\u017euj\u00ed va\u0161e rodinn\u00e9 finance, ale z\u00e1rove\u0148 tato poji\u0161t\u011bn\u00ed pat\u0159\u00ed k t\u011bm nejdra\u017e\u0161\u00edm sou\u010d\u00e1stem \u017eivotka. O jak\u00fdch rizic\u00edch mluv\u00edme? Jde o poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/strong>, hospitalizace<\/strong>, denn\u00edho od\u0161kodn\u00e9ho za dobu l\u00e9\u010den\u00ed \u00farazu<\/strong> a dal\u0161\u00ed dopl\u0148kov\u00e1 poji\u0161t\u011bn\u00ed, u kter\u00fdch se pln\u011bn\u00ed vypl\u00e1c\u00ed formou denn\u00edch d\u00e1vek. <\/p>\n\n\n\n

Kolik u\u0161et\u0159\u00edte s doporu\u010den\u00fdm v\u00fdb\u011brem rizik?<\/h3>\n\n\n\n

Pod\u00edvejte se, jak vypad\u00e1 kalkulace \u017eivotn\u00edho poji\u0161t\u011bn\u00ed se v\u0161emi riziky a kolik pen\u011bz je mo\u017en\u00e9 m\u011bs\u00ed\u010dn\u011b s doporu\u010den\u00fdm nastaven\u00edm u\u0161et\u0159it. I s n\u00edzko nastaven\u00fdmi denn\u00edmi d\u00e1vkami<\/strong> ve v\u00fd\u0161i 300 K\u010d\/den pojistn\u00e9 vych\u00e1z\u00ed na 1680 K\u010d. Po ode\u010dten\u00ed “kr\u00e1tkodob\u00fdch” poji\u0161t\u011bn\u00ed je m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 t\u00e9m\u011b\u0159 o 600 K\u010d ni\u017e\u0161\u00ed<\/strong>. Za dob\u0159e nastaven\u00e1 z\u00e1kladn\u00ed rizika cena poji\u0161t\u011bn\u00ed dlouhodob\u00fdch n\u00e1sledk\u016f nemoc\u00ed a \u00faraz\u016f v kalkulaci \u010din\u00ed 1090 K\u010d<\/strong>. A jde to i levn\u011bji. Z\u00e1le\u017e\u00ed toti\u017e tak\u00e9 na pojistn\u00fdch \u010d\u00e1stk\u00e1ch i jednotliv\u00fdch poji\u0161\u0165ovn\u00e1ch.<\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed<\/strong><\/td>Pojistn\u00e1 \u010d\u00e1stka<\/strong><\/td>M\u011bs\u00ed\u010dn\u00ed pojistn\u00e9<\/strong><\/td><\/tr>
Poji\u0161t\u011bn\u00ed smrti<\/td>50 000 K\u010d<\/td>30 K\u010d<\/td><\/tr>
Poji\u0161t\u011bn\u00ed invalidity 3. stupn\u011b v sou\u010dtu klesaj\u00edc\u00ed a konstantn\u00ed pojistn\u00e9 \u010d\u00e1stky<\/td>6 400 000 K\u010d<\/td>460 K\u010d<\/td><\/tr>
Poji\u0161t\u011bn\u00ed invalidity 2. stupn\u011b v sou\u010dtu klesaj\u00edc\u00ed a konstantn\u00ed pojistn\u00e9 \u010d\u00e1stky<\/td>3 650 000 K\u010d<\/td>290 K\u010d<\/td><\/tr>
Poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed<\/td>250 000 K\u010d<\/td>160 K\u010d<\/td><\/tr>
Poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu <\/td>1 200 000 K\u010d<\/td>150 K\u010d<\/td><\/tr>
Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti od 15. dne<\/td>300 K\u010d\/denn\u011b<\/td>330 K\u010d <\/td><\/tr>
Denn\u00ed od\u0161kodn\u00e9 za dobu l\u00e9\u010den\u00ed \u00farazu<\/td>300 K\u010d\/denn\u011b<\/td>210 K\u010d<\/td><\/tr>
Poji\u0161t\u011bn\u00ed hospitalizace<\/td>300 K\u010d\/denn\u011b<\/td>50 K\u010d<\/td><\/tr><\/tbody><\/table>
Kalkulace poji\u0161t\u011bn\u00ed vych\u00e1z\u00ed z nab\u00eddek srovn\u00e1va\u010de RIXO.cz pro 30let\u00e9ho \u010dlov\u011bka bez rizikov\u00fdch faktor\u016f (p\u0159edchoz\u00ed zdravotn\u00ed pot\u00ed\u017ee, rizikov\u00e9 sporty, povol\u00e1n\u00ed nebo jin\u00e9 aktivity). <\/em><\/figcaption><\/figure>\n\n\n\n
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Zaj\u00edm\u00e1 v\u00e1s, na kolik by vy\u0161lo \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro v\u00e1s? Sta\u010d\u00ed jen zadat n\u011bkolik \u00fadaj\u016f do dotazn\u00edku na RIXO.cz a my v\u00e1m uk\u00e1\u017eeme nab\u00eddky poji\u0161\u0165oven s doporu\u010den\u00fdmi pojistn\u00fdmi \u010d\u00e1stkami na m\u00edru. <\/p>\n<\/div>\n\n\n\n

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Srovnat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n
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Kdy se pojistit?<\/h2>\n\n\n\n

Pro\u010d v\u00e1s \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u00e1 zaj\u00edmat, dokud jste mlad\u00ed a zdrav\u00ed? Proto\u017ee v takov\u00e9m moment\u011b se smlouvu opravdu vyplat\u00ed uzav\u0159\u00edt. Nejen\u017ee ti, kte\u0159\u00ed uzav\u0159ou poji\u0161t\u011bn\u00ed brzy, maj\u00ed po celou dobu trv\u00e1n\u00ed smlouvy levn\u011bj\u0161\u00ed pojistn\u00e9<\/strong>, ale z\u00e1rove\u0148 se nemus\u00ed b\u00e1t omezen\u00ed pln\u011bn\u00ed kv\u016fli d\u0159\u00edv\u011bj\u0161\u00edm nemocem nebo \u00faraz\u016fm<\/strong><\/a>. Kdy\u017e u\u017e toti\u017e do poji\u0161\u0165ovny p\u0159ijdete v pokro\u010dilej\u0161\u00edm vstupn\u00edm v\u011bku<\/strong> s vysok\u00fdm tlakem, cholesterolem a p\u0159idru\u017een\u00fdmi chorobami, na pojistn\u00e9m si p\u0159iplat\u00edte<\/strong>. A stejn\u011b budou zpravidla probl\u00e9my souvisej\u00edc\u00ed s d\u0159\u00edv\u011bj\u0161\u00edmi diagn\u00f3zami vylou\u010deny z kryt\u00ed. <\/p>\n\n\n\n

Mo\u017en\u00e1 jste zvykl\u00ed na to, \u017ee nap\u0159\u00edklad v autopoji\u0161t\u011bn\u00ed v\u00e1m vy\u0161\u0161\u00ed v\u011bk pom\u00e1h\u00e1 u\u0161et\u0159it. V \u017eivotn\u00edm poji\u0161t\u011bn\u00ed je to ale p\u0159esn\u011b naopak. A i kdy\u017e m\u00e1te \u0161t\u011bst\u00ed a \u017e\u00e1dn\u00e9 v\u00fdluky v\u00e1m nehroz\u00ed, cena poji\u0161t\u011bn\u00ed se s postupuj\u00edc\u00edm v\u011bkem m\u016f\u017ee i ztrojn\u00e1sobit<\/strong>. Pamatujete si na na\u0161eho 30let\u00e9ho figuranta, kter\u00e9mu jsme nastavili odpov\u00eddaj\u00edc\u00ed poji\u0161t\u011bn\u00ed bez poji\u0161t\u011bn\u00ed kr\u00e1tkodob\u00fdch dopad\u016f<\/strong> za 1090 K\u010d <\/strong>m\u011bs\u00ed\u010dn\u011b? P\u0159epo\u010d\u00edtali jsme nab\u00eddky a mo\u017en\u00e1 se budete divit, kam a\u017e se \u010d\u00e1stka za to stejn\u00e9 poji\u0161t\u011bn\u00ed m\u016f\u017ee s v\u011bkem vy\u0161plhat.   <\/p>\n\n\n\n

Vstupn\u00ed v\u011bk<\/strong><\/td>M\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 modelov\u00e9ho poji\u0161t\u011bn\u00ed<\/strong><\/td><\/tr>
30 let<\/td>1090 K\u010d<\/td><\/tr>
35 let<\/td>1348 K\u010d<\/td><\/tr>
40 let<\/td>1670 K\u010d<\/td><\/tr>
45 let<\/td>2160 K\u010d<\/td><\/tr>
50 let<\/td>2850 K\u010d<\/td><\/tr>
55 let<\/td>3630 K\u010d<\/td><\/tr><\/tbody><\/table>
Kalkulace v\u00fd\u0161e pojistn\u00e9ho vych\u00e1z\u00ed z nab\u00eddek srovn\u00e1va\u010de RIXO.cz na z\u00e1klad\u011b nastaven\u00ed pojistn\u00fdch \u010d\u00e1stek v tabulce \u010d. 1. <\/em><\/figcaption><\/figure>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed zdra\u017e\u00ed rizikov\u00e1 pr\u00e1ce i zlozvyky<\/h2>\n\n\n\n

Do ceny \u017eivotn\u00edho poji\u0161t\u011bn\u00ed vstupuje cel\u00e1 \u0159ada faktor\u016f. N\u011bkter\u00e9 v\u00e1m mohou pomoci, jin\u00e9 u\u0161kodit. Poj\u010fme se nejprve pod\u00edvat na skute\u010dnosti, kv\u016fli kter\u00fdm v\u00e1m poji\u0161\u0165ovna m\u016f\u017ee d\u00e1t k z\u00e1kladn\u00edmu pojistn\u00e9mu p\u0159ir\u00e1\u017eku navrch. <\/p>\n\n\n\n

T\u011blesn\u00e1 hmotnost<\/h3>\n\n\n\n

Poji\u0161\u0165ovnu zaj\u00edm\u00e1 ka\u017ed\u00fd detail, kter\u00fd j\u00ed o sob\u011b sd\u011bl\u00edte. Jedna z prvn\u00edch ot\u00e1zek bude sm\u011b\u0159ovat na va\u0161i v\u00fd\u0161ku a v\u00e1hu. Z t\u011bchto \u00fadaj\u016f si poji\u0161\u0165ovna spo\u010d\u00edt\u00e1 BMI<\/strong> (body mass index) a podle v\u00fdsledku v\u00e1s za\u0161katulkuje do ur\u010dit\u00e9 rizikov\u00e9 kategorie<\/strong>. Pokud pro v\u00e1s bude v\u00fdsledek opravdu nelichotiv\u00fd, poji\u0161\u0165ovna m\u016f\u017ee ve\u0161ker\u00e9 zdravotn\u00ed obt\u00ed\u017ee souvisej\u00edc\u00ed s va\u0161\u00ed hmotnost\u00ed z kryt\u00ed vylou\u010dit. Vzhledem k tomu, \u017ee l\u00e9ka\u0159i mohou pod nadv\u00e1hu nebo obezitu \u201cschovat\u201d mnoho r\u016fzn\u00fdch symptom\u016f a pot\u00ed\u017e\u00ed, cesta k pln\u011bn\u00ed se v\u00e1m pak m\u016f\u017ee v poji\u0161\u0165ovn\u011b v\u00fdrazn\u011b zkomplikovat. <\/p>\n\n\n\n

Zaj\u00edm\u00e1 v\u00e1s, jak\u00e9 zdra\u017een\u00ed m\u00e1te p\u0159i vy\u0161\u0161\u00edm BMI o\u010dek\u00e1vat? Vra\u0165me se k na\u0161emu t\u0159icetilet\u00e9mu figurantovi. Uk\u00e1\u017eeme v\u00e1m, jakou roli v cen\u011b poji\u0161t\u011bn\u00ed tohle \u010d\u00edslo hraje. V individu\u00e1ln\u00edch p\u0159\u00edpadech v\u0161ak poji\u0161\u0165ovna zpravidla hodnot\u00ed konkr\u00e9tn\u00edho klienta<\/strong> v procesu \u00fapisu rizik, neboli underwritingu. <\/p>\n\n\n\n

BMI<\/strong><\/td>V\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edho pojistn\u00e9ho <\/strong><\/td><\/tr>
18,4 a m\u00e9n\u011b (podv\u00e1ha)<\/td>1116 K\u010d<\/td><\/tr>
18,5-24,9 (norm\u00e1ln\u00ed v\u00e1ha)<\/td>1090 K\u010d<\/td><\/tr>
25-29,9 (nadv\u00e1ha)<\/td>1090 K\u010d<\/td><\/tr>
30-34,9 (obezita 1. stupn\u011b)<\/td>1270 K\u010d<\/td><\/tr>
35-39,9 (obezita 2. stupn\u011b)<\/td>1430 K\u010d<\/td><\/tr>
40 a v\u00edce (obezita 3. stupn\u011b)<\/td>1910 K\u010d<\/td><\/tr><\/tbody><\/table>
Orienta\u010dn\u00ed v\u00fdpo\u010det pojistn\u00e9ho vych\u00e1z\u00ed z nab\u00eddek srovn\u00e1va\u010de RIXO.cz na z\u00e1klad\u011b pojistn\u00fdch \u010d\u00e1stek v tabulce \u010d. 1.<\/em><\/figcaption><\/figure>\n\n\n\n

Kou\u0159en\u00ed, alkohol i l\u00e9ky<\/h3>\n\n\n\n

Ku\u0159\u00e1ci i ti, kte\u0159\u00ed si r\u00e1di daj\u00ed sklenku n\u011b\u010deho ost\u0159ej\u0161\u00edho, to nemaj\u00ed s \u017eivotn\u00edm poji\u0161t\u011bn\u00edm jednoduch\u00e9. Ostatn\u011b nen\u00ed se \u010demu divit. D\u016fkaz\u016f o \u0161kodlivosti cigaret nebo alkoholu je dnes nep\u0159ebern\u00e9 mno\u017estv\u00ed a na varov\u00e1n\u00ed naraz\u00edte na ka\u017ed\u00e9m kroku. Poji\u0161\u0165ovna proto b\u011b\u017en\u011b za tyto zlozvyky klienta \u201cpotrest\u00e1\u201d p\u0159ir\u00e1\u017ekou. Rizikovost klienta si poji\u0161\u0165ovna odvod\u00ed nejen z kou\u0159en\u00ed<\/a> \u010di konzumace alkoholu, ale tak\u00e9 seznamu pravideln\u011b u\u017e\u00edvan\u00fdch l\u00e9k\u016f. Cena poji\u0161t\u011bn\u00ed pak zpravidla z\u00e1vis\u00ed na individu\u00e1ln\u00edm oce\u0148ov\u00e1n\u00ed klienta v konkr\u00e9tn\u00ed poji\u0161\u0165ovn\u011b. <\/p>\n\n\n\n

\"Kolik<\/figure>\n\n\n\n

Hasi\u010d a horolezec si p\u0159iplat\u00ed<\/h3>\n\n\n\n

Cenu i obsah poji\u0161t\u011bn\u00ed mohou v\u00fdrazn\u011b ovliv\u0148ovat tak\u00e9 v\u00e1mi provozovan\u00e9 sporty, p\u0159\u00edpadn\u011b va\u0161e zam\u011bstn\u00e1n\u00ed. V obou p\u0159\u00edpadech se toti\u017e poji\u0161\u0165ovny \u0159\u00edd\u00ed vlastn\u00edmi tabulkami rizikov\u00fdch povol\u00e1n\u00ed<\/strong> a rizikov\u00fdch sport\u016f<\/strong>. Ty nejrizikov\u011bj\u0161\u00ed profese a volno\u010dasov\u00e9 aktivity nav\u00edc mohou b\u00fdt nepojistiteln\u00e9. Laicky \u0159e\u010deno, z poji\u0161t\u011bn\u00ed budou \u00fapln\u011b vylou\u010den\u00e9<\/strong>. <\/p>\n\n\n\n

Nep\u0159ekvap\u00ed v\u00e1s, \u017ee nejbezpe\u010dn\u011bj\u0161\u00ed jsou z pohledu poji\u0161\u0165ovny administrativn\u00ed profese<\/strong>, zat\u00edmco u manu\u00e1ln\u00edch prac\u00ed<\/strong> je riziko zv\u00fd\u0161en\u00e9. A kdo si p\u0159iplat\u00ed nejv\u00edc? T\u0159eba voj\u00e1ci z povol\u00e1n\u00ed, hasi\u010di, horn\u00edci nebo um\u00fdva\u010di oken v\u00fd\u0161kov\u00fdch budov. V r\u00e1mci sport\u016f se hodnot\u00ed nejen rizikovost samotn\u00e9ho sportu<\/a>, ale i \u00farove\u0148, na jak\u00e9 sport provozujete. Zpravidla se rozli\u0161uj\u00ed rekrea\u010dn\u00ed<\/strong>, krajsk\u00e9<\/strong>, celost\u00e1tn\u00ed<\/strong> a profesion\u00e1ln\u00ed<\/strong> \u00farovn\u011b. I zde plat\u00ed jednoduch\u00e1 \u00fam\u011bra: \u010d\u00edm vy\u0161\u0161\u00ed \u00farove\u0148, t\u00edm vy\u0161\u0161\u00ed pojistn\u00e9. Ale pozor. Co jedna poji\u0161\u0165ovna pova\u017euje za hazard, jin\u00e1 m\u016f\u017ee hodnotit jako b\u011b\u017en\u00e9 riziko. I proto se vyplat\u00ed si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nejd\u0159\u00edve srovnat<\/a>. <\/p>\n\n\n\n

Jak na levn\u011bj\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? <\/h2>\n\n\n\n

U\u017e jste se dozv\u011bd\u011bli, \u017ee na levn\u011bj\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017eete dos\u00e1hnout s doporu\u010den\u00fdm nastaven\u00edm pojistn\u00fdch rizik, n\u00edzk\u00fdm vstupn\u00edm v\u011bkem a n\u00edzkou \u201crizikovost\u00ed\u201d. Poji\u0161\u0165ovny si ale v ruk\u00e1vu schov\u00e1vaj\u00ed je\u0161t\u011b dal\u0161\u00ed v\u00fdhody, d\u00edky kter\u00fdm m\u016f\u017eete u\u0161et\u0159it. <\/p>\n\n\n\n

Mnoho poji\u0161\u0165oven klient\u016fm poskytuje nap\u0159\u00edklad obchodn\u00ed slevy <\/strong>za dal\u0161\u00ed pojistn\u00e9 produkty, kter\u00e9 u nich m\u00e1te sjednan\u00e9. Jin\u00e9 v\u00e1m zase poskytnou slevy za zdrav\u00fd \u017eivotn\u00ed styl<\/strong> a p\u0159\u00edkladnou p\u00e9\u010di o zdrav\u00ed. V\u00fdhodn\u00e9 poji\u0161t\u011bn\u00ed d\u00edky t\u011bmto klientsk\u00fdm program\u016fm dostanou nap\u0159\u00edklad ti, kte\u0159\u00ed rekrea\u010dn\u011b sportuj\u00ed, nekou\u0159\u00ed a nav\u0161t\u011bvuj\u00ed pravideln\u00e9 preventivn\u00ed prohl\u00eddky. <\/p>\n\n\n\n

Hled\u00e1te to nejlevn\u011bj\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? D\u00e1vejte pozor<\/strong>, nejlevn\u011bj\u0161\u00ed neznamen\u00e1 v\u017edy nejlep\u0161\u00ed. V honb\u011b za levn\u00fdm poji\u0161t\u011bn\u00edm se nenechte strhnout poradci, kte\u0159\u00ed v\u00e1s cht\u011bj\u00ed uv\u00e1zat do nev\u00fdhodn\u00e9ho skupinov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong>. To v\u00e1s m\u016f\u017ee m\u011bs\u00ed\u010dn\u011b vyj\u00edt na dv\u011b stovky. Ov\u0161em a\u017e dojde na pln\u011bn\u00ed, nemus\u00ed v\u00e1m poji\u0161t\u011bn\u00ed pomoci podle o\u010dek\u00e1v\u00e1n\u00ed a m\u016f\u017ee b\u00fdt t\u011b\u017ek\u00e9 z n\u011bj i vystoupit. Stejn\u011b tak bu\u010fte opatrn\u00ed i u rodinn\u00fdch smluv<\/strong>. Poji\u0161\u0165ovny r\u00e1dy nab\u00edz\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed na jedn\u00e9 smlouv\u011b se slevou pro celou rodinu. P\u0159i sjedn\u00e1v\u00e1n\u00ed, pojistn\u00fdch ud\u00e1lostech i vystoupen\u00ed jednotlivce ze smlouvy ale m\u016f\u017ee hromadn\u00e1 pojistka p\u0159in\u00e9st v\u00edc \u0161kody ne\u017e u\u017eitku. <\/p>\n\n\n\n

Kvalitn\u00ed a z\u00e1rove\u0148 v\u00fdhodn\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed m\u00fdtus. Srovnejte si nab\u00eddky \u017eivotn\u00edho poji\u0161t\u011bn\u00ed od 7 ov\u011b\u0159en\u00fdch poji\u0161\u0165oven zdarma a nez\u00e1vazn\u011b<\/strong> na RIXO.cz a my v\u00e1m p\u0159iprav\u00edme nab\u00eddku na m\u00edru pro v\u00e1s. A to v\u0161e jednodu\u0161e, rychle a online. <\/p>\n\n\n\n

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

Dob\u0159e nastaven\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je za ka\u017ed\u00fdch okolnost\u00ed dobr\u00fd pomocn\u00edk, na kter\u00e9ho se m\u016f\u017eete v t\u011b\u017ek\u00fdch chv\u00edl\u00edch spolehnout. Mus\u00ed v\u00e1s ale vyj\u00edt na tis\u00edce korun m\u011bs\u00ed\u010dn\u011b? Nemus\u00ed. Sta\u010d\u00ed jen v\u011bd\u011bt, jak na to.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":1994,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,8],"tags":[18,30],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1990"}],"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=1990"}],"version-history":[{"count":9,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1990\/revisions"}],"predecessor-version":[{"id":3337,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1990\/revisions\/3337"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1994"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1990"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1990"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1990"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}