{"id":2056,"date":"2024-02-26T09:12:11","date_gmt":"2024-02-26T08:12:11","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2056"},"modified":"2025-03-24T16:38:10","modified_gmt":"2025-03-24T15:38:10","slug":"zivotni-pojisteni-sjednejte-do-35-let-proc-je-pro-mlade-nejlevnejsi","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/zivotni-pojisteni-sjednejte-do-35-let-proc-je-pro-mlade-nejlevnejsi\/","title":{"rendered":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed sjednejte do 35 let. Pro\u010d je pro mlad\u00e9 nejlevn\u011bj\u0161\u00ed?"},"content":{"rendered":"\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed je tu pro p\u0159\u00edpad, \u017ee v\u00e1s jednoho dne postihne v\u00e1\u017en\u00e1 nemoc \u010di \u00faraz. Je pro mlad\u00e9 lidi na vrcholu sil zbyte\u010dn\u00e9? V\u016fbec ne. Naopak lep\u0161\u00ed chv\u00edle pro sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed u\u017e nep\u0159ijde. A to nejen kv\u016fli cen\u011b, ale i rozsahu pojistky. <\/p>\n\n\n\n

Na \u017eivotko obvykle lid\u00e9 nemysl\u00ed do chv\u00edle, kdy je u\u017e n\u011bjak\u00e9 zdravotn\u00ed trable za\u010dnou tr\u00e1pit. A pokud se sna\u017e\u00ed pozd\u011bji \u017eivotko uzav\u0159\u00edt, m\u016f\u017eou b\u00fdt p\u0159ekvapeni vysokou cenou nebo dlouh\u00fdm seznamem v\u00fdluk. To znamen\u00e1, \u017ee ve spoust\u011b v\u011bc\u00ed jim u\u017e poji\u0161t\u011bn\u00ed nepom\u016f\u017ee. Pro\u010d tomu tak je? A kdy a na jak dlouho uzav\u0159\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>? Na to se pod\u00edv\u00e1me v na\u0161em \u010dl\u00e1nku. Rovnou si ale m\u016f\u017eete tak\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed srovnat, a\u0165 vid\u00edte v\u00fdhodn\u00e9 nab\u00eddky na m\u00edru na vlastn\u00ed o\u010di!<\/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

Pro\u010d maj\u00ed mlad\u00ed levn\u011bj\u0161\u00ed a lep\u0161\u00ed \u017eivotn\u00ed pojistky? <\/h2>\n\n\n\n

Nastavov\u00e1n\u00ed ceny \u017eivotn\u00edho poji\u0161t\u011bn\u00ed vych\u00e1z\u00ed ze statistick\u00e9 pravd\u011bpodobnosti rizik, kter\u00e1 v\u00e1m mohou hrozit v dob\u011b sjedn\u00e1n\u00ed. Vzhledem k tomu, \u017ee dvac\u00e1tn\u00edky a t\u0159ic\u00e1tn\u00edky postihuj\u00ed z\u00e1va\u017en\u00e9 diagn\u00f3zy ojedin\u011ble, riziko<\/strong> invalidity nebo smrti je naprosto minim\u00e1ln\u00ed<\/strong>. A na to samoz\u0159ejm\u011b poji\u0161\u0165ovny reaguj\u00ed jednak nab\u00edzen\u00fdm rozsahem poji\u0161t\u011bn\u00ed, tak i cenou. Riziko se pak propisuje ve v\u0161ech d\u00edl\u010d\u00edch poji\u0161t\u011bn\u00edch<\/strong>, kam pat\u0159\u00ed nejen smrt<\/strong> a invalidita<\/strong>, ale nap\u0159\u00edklad z\u00e1va\u017en\u00e9 nemoci<\/strong> nebo trval\u00e9 n\u00e1sledky \u00farazu<\/strong>. <\/p>\n\n\n\n

V \u010dem spo\u010d\u00edv\u00e1 v\u00fdhoda v\u010dasn\u00e9ho sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, kdy\u017e jsme si pr\u00e1v\u011b \u0159ekli, \u017ee v\u00e1m v ml\u00e1d\u00ed zas tak nic v\u00e1\u017en\u00e9ho podle statistik nehroz\u00ed? Cel\u00fd \u201cf\u00edgl\u201d je v tom, \u017ee cena i rozsah poji\u0161t\u011bn\u00ed<\/strong> se v\u00e1m za celou dobu trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed nem\u011bn\u00ed<\/strong>. Z\u00e1le\u017e\u00ed jen na v\u00e1s, zda si v\u00fdhodn\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed zajist\u00edte do v\u011bku 55, 65 nebo a\u017e 75 let. <\/p>\n\n\n\n

Nespornou v\u00fdhodou tak\u00e9 je, \u017ee va\u0161e pojistka z ml\u00e1d\u00ed<\/strong> bude po celou dobu poji\u0161t\u011bn\u00ed kr\u00fdt ve\u0161ker\u00e1 rizika bez omezen\u00ed<\/strong>. Probl\u00e9m, kter\u00fd \u010dasto postihuje p\u0159i sjedn\u00e1v\u00e1n\u00ed poji\u0161t\u011bn\u00ed \u010dty\u0159ic\u00e1tn\u00edky a pades\u00e1tn\u00edky, spo\u010d\u00edv\u00e1 v individu\u00e1ln\u00edm vylou\u010den\u00ed p\u0159edchoz\u00edch zdravotn\u00edch obt\u00ed\u017e\u00ed<\/strong> z b\u011b\u017en\u00e9ho rozsahu poji\u0161t\u011bn\u00ed. Obvykle jde nap\u0159\u00edklad o probl\u00e9my ze z\u00e1dy, cukrovkou \u010di obezitou. <\/p>\n\n\n\n

Kolik skute\u010dn\u011b u\u0161et\u0159\u00edte, kdy\u017e si sjedn\u00e1te \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v ml\u00e1d\u00ed? <\/h2>\n\n\n\n

Jak v\u00fdznamn\u00e1 je \u00faspora, kter\u00e9 m\u016f\u017eete dos\u00e1hnout se sjedn\u00e1n\u00edm \u017eivotka, kdy\u017e je v\u00e1m 20, 30 nebo 35 let? Spo\u010d\u00edt\u00e1me v\u00e1m, kolik jednotliv\u00e1 poji\u0161t\u011bn\u00ed v \u017eivotku stoj\u00ed v souvislosti s t\u00edm, v kolika letech<\/strong> si poji\u0161t\u011bn\u00ed sjedn\u00e1te<\/strong>. A kdy se pojistit, abyste m\u011bli \u017eivotn\u00ed poji\u0161t\u011bn\u00ed co nejlevn\u011bj\u0161\u00ed? Pod\u00edv\u00e1me se na poji\u0161t\u011bn\u00ed jednotliv\u00fdch hlavn\u00edch rizik a jejich cenu na z\u00e1klad\u011b vstupn\u00edho v\u011bku. <\/p>\n\n\n\n

Cena poji\u0161t\u011bn\u00ed podle vstupn\u00edho v\u011bku<\/strong><\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed<\/strong><\/td>20 let<\/strong><\/td>25 let<\/strong><\/td>30 let<\/strong><\/td>35 let<\/strong><\/td>40 let<\/strong><\/td><\/tr>
\u00damrt\u00ed (cena za m\u011bs\u00edc)<\/td>9 K\u010d<\/td>9 K\u010d<\/td>11 K\u010d<\/td>13 K\u010d<\/td>16 K\u010d<\/td><\/tr>
Invalidita III. st. (cena za m\u011bs\u00edc)<\/td>255 K\u010d<\/td>289 K\u010d<\/td>331 K\u010d<\/td>391 K\u010d<\/td>489 K\u010d<\/td><\/tr>
Invalidita II. st. (cena za m\u011bs\u00edc)<\/td>100 K\u010d<\/td>100 K\u010d<\/td>105 K\u010d<\/td>111 K\u010d<\/td>148 K\u010d<\/td><\/tr>
Z\u00e1va\u017en\u00e9 nemoci (cena za m\u011bs\u00edc)<\/td>93 K\u010d<\/td>112 K\u010d<\/td>147 K\u010d<\/td>189 K\u010d<\/td>259 K\u010d<\/td><\/tr>
Trval\u00e9 n\u00e1sledky \u00farazu (cena za m\u011bs\u00edc)<\/td>80 K\u010d<\/td>80 K\u010d<\/td>85 K\u010d<\/td>85 K\u010d<\/td>96 K\u010d<\/td><\/tr>
M\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 celkem<\/strong><\/td>537 K\u010d<\/strong><\/td>590 K\u010d<\/strong><\/td>679 K\u010d<\/strong><\/td>789 K\u010d<\/strong><\/td>1008 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table>
Kalkulace pojistn\u00e9ho vych\u00e1z\u00ed z nab\u00eddek srovn\u00e1va\u010de RIXO.cz v dob\u011b publikace na z\u00e1klad\u011b n\u00e1sleduj\u00edc\u00edch pojistn\u00fdch \u010d\u00e1stek: poji\u0161t\u011bn\u00ed smrti – 50 000 K\u010d; poji\u0161t\u011bn\u00ed invalidity III. stupn\u011b – 5,4 milionu K\u010d v sou\u010dtu klesaj\u00edc\u00edch a konstantn\u00edch \u010d\u00e1stek; poji\u0161t\u011bn\u00ed invalidity II. stupn\u011b 3,15 milionu K\u010d v sou\u010dtu klesaj\u00edc\u00edch a konstantn\u00edch \u010d\u00e1stek; poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch nemoc\u00ed – 250 000 K\u010d; poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu – 1 mil. K\u010d.<\/em><\/figcaption><\/figure>\n\n\n\n

Porovn\u00e1n\u00ed m\u011bs\u00ed\u010dn\u00edho pojistn\u00e9ho mluv\u00ed jasn\u011b<\/strong>. Je\u0161t\u011b sv\u00e9 \u017eivotko nem\u00e1te? Srovnejte si poji\u0161t\u011bn\u00ed s doporu\u010den\u00fdm nastaven\u00edm<\/strong> pojistn\u00fdch \u010d\u00e1stek p\u0159\u00edmo pro v\u00e1s. Sta\u010d\u00ed jen zadat p\u00e1r \u00fadaj\u016f a do minutky uvid\u00edte, kolik<\/strong> by st\u00e1la va\u0161e \u017eivotn\u00ed pojistka<\/strong>. <\/p>\n\n\n\n

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

Jak na sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed pro mlad\u00e9 <\/h2>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m m\u016f\u017ee dob\u0159e poslou\u017eit v mnoha situac\u00edch. T\u0159eba kdy\u017e si berete vy\u0161\u0161\u00ed \u00fav\u011br \u010di <\/strong>hypot\u00e9ku<\/strong><\/a>, zakl\u00e1d\u00e1te rodinu<\/strong> nebo se jen chcete chr\u00e1nit p\u0159ed ne\u010dekan\u00fdmi situacemi, kdy\u017e jste z\u00e1visl\u00ed jen sami na sob\u011b<\/strong><\/a>. <\/p>\n\n\n\n

\"\u017divotn\u00ed<\/figure>\n\n\n\n

V \u017eivotn\u00edm poji\u0161t\u011bn\u00ed hraje roli nejen v\u00e1\u0161 v\u011bk, ale tak\u00e9 va\u0161e zam\u011bstn\u00e1n\u00ed<\/strong>, v\u00e1mi provozovan\u00e9 sporty <\/strong>a jejich rizikovost. P\u0159iplat\u00edte si zpravidla adrenalinov\u00e9 sporty, p\u0159i\u010dem\u017e ne ka\u017ed\u00e1 poji\u0161\u0165ovna v\u00e1m je bude cht\u00edt zahrnout do pojistn\u00e9ho kryt\u00ed. Sv\u00e9 v\u00fdhody m\u016f\u017ee m\u00edt v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed tak\u00e9 zdrav\u00fd \u017eivotn\u00ed styl<\/strong>. I kou\u0159en\u00ed a konzumace alkoholu m\u00e1 vliv na to, kolik zaplat\u00edte za \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. <\/p>\n\n\n\n

A jak spr\u00e1vn\u011b nastavit \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a>? Z\u00e1le\u017e\u00ed na va\u0161\u00ed rodinn\u00e9 a finan\u010dn\u00ed situaci<\/strong>. V\u017edy ale plat\u00ed, \u017ee byste se m\u011bli soust\u0159edit p\u0159edev\u0161\u00edm na dlouhodob\u00e1 rizika, jako je invalidita, z\u00e1va\u017en\u00e9 nemoci nebo n\u00e1sledky v\u00e1\u017en\u00fdch \u00faraz\u016f. Drah\u00e1 a nep\u0159\u00edli\u0161 d\u016fle\u017eit\u00e1 kr\u00e1tkodob\u00e1 rizika jako denn\u00ed od\u0161kodn\u00e9 rad\u011bji nechte le\u017eet ladem. <\/p>\n\n\n\n

Nev\u00edte si s nastaven\u00edm sv\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed rady? Nevad\u00ed, na\u0161i specialist\u00e9 v\u00e1m pomohou naj\u00edt kvalitn\u00ed a z\u00e1rove\u0148 v\u00fdhodn\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1s provede cel\u00fdm \u017eivotem. Tak do toho!<\/p>\n\n\n\n

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

\u017divotn\u00ed poji\u0161t\u011bn\u00ed je tu pro p\u0159\u00edpad, \u017ee v\u00e1s jednoho dne postihne v\u00e1\u017en\u00e1 nemoc \u010di \u00faraz. Je pro mlad\u00e9 lidi na vrcholu sil zbyte\u010dn\u00e9? V\u016fbec ne. Naopak lep\u0161\u00ed chv\u00edle pro sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed u\u017e nep\u0159ijde. A to nejen kv\u016fli cen\u011b, ale i rozsahu pojistky.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":2059,"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\/2056"}],"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=2056"}],"version-history":[{"count":7,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2056\/revisions"}],"predecessor-version":[{"id":3205,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2056\/revisions\/3205"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2059"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2056"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2056"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2056"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}