{"id":2299,"date":"2024-04-29T09:07:33","date_gmt":"2024-04-29T07:07:33","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2299"},"modified":"2024-04-29T09:09:05","modified_gmt":"2024-04-29T07:09:05","slug":"jaky-je-rozdil-mezi-zivotnim-a-urazovym-pojistenim","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/jaky-je-rozdil-mezi-zivotnim-a-urazovym-pojistenim\/","title":{"rendered":"Jak\u00fd je rozd\u00edl mezi \u017eivotn\u00edm a \u00farazov\u00fdm poji\u0161t\u011bn\u00edm?"},"content":{"rendered":"\n<p>\u017divotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed se \u010dasto zam\u011b\u0148uje, a nen\u00ed to vlastn\u011b nic divn\u00e9ho, kdy\u017e se tato poji\u0161t\u011bn\u00ed nab\u00edz\u00ed spole\u010dn\u011b. Zam\u011b\u0159uj\u00ed se na jin\u00e1 rizika? Je rozd\u00edl i v cen\u011b t\u011bchto poji\u0161t\u011bn\u00ed? Ud\u011blejte si jasno v rozd\u00edlech mezi \u017eivotn\u00edm a \u00farazov\u00fdm poji\u0161t\u011bn\u00edm jednou prov\u017edy.<\/p>\n\n\n\n<p>Mo\u017enost ochrany rodinn\u00fdch financ\u00ed v p\u0159\u00edpad\u011b zdravotn\u00edch pot\u00ed\u017e\u00ed prost\u0159ednictv\u00edm soukrom\u00e9ho poji\u0161t\u011bn\u00ed vyu\u017e\u00edvaj\u00ed statis\u00edce \u010cech\u016f. Pokud po takov\u00e9m poji\u0161t\u011bn\u00ed zrovna p\u00e1tr\u00e1te a nev\u00edte, jak\u00e9 poji\u0161t\u011bn\u00ed zvolit a co od n\u011bj \u010dekat, ud\u011blejte si z\u00e1kladn\u00ed p\u0159ehled o tom, co vlastn\u011b \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed obsahuje a \u010d\u00edm se tyto dv\u011b poji\u0161t\u011bn\u00ed li\u0161\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co je \u00farazov\u00e9 poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rixo.cz\/urazove-pojisteni\/\"><strong>\u00darazov\u00e9 poji\u0161t\u011bn\u00ed<\/strong><\/a> je zam\u011b\u0159en\u00e9 na ochranu poji\u0161t\u011bn\u00e9ho p\u0159ed finan\u010dn\u00edmi dopady <strong>\u00faraz\u016f a jejich n\u00e1sledk\u016f<\/strong>. Zpravidla tedy v \u00farazov\u00e9m poji\u0161t\u011bn\u00ed naleznete poji\u0161t\u011bn\u00ed na rizika smrti n\u00e1sledkem \u00farazu, poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu, poji\u0161t\u011bn\u00ed denn\u00edho od\u0161kodn\u00e9ho za dobu l\u00e9\u010den\u00ed \u00farazu nebo poji\u0161t\u011bn\u00ed hospitalizace kv\u016fli \u00farazu. \u00darazov\u00e9 poji\u0161t\u011bn\u00ed oproti \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed <strong>nepokr\u00fdv\u00e1 rizika<\/strong> souvisej\u00edc\u00ed s <strong>nemoc\u00ed<\/strong>.&nbsp;<\/p>\n\n\n\n<p>\u00darazov\u00e9 poji\u0161t\u011bn\u00ed m\u016f\u017ee pomoci p\u0159i ne\u010dekan\u00fdch v\u00fddaj\u00edch spojen\u00fdch s l\u00e9\u010den\u00edm nebo dlouhodob\u00fdmi n\u00e1sledky \u00farazu. \u010casto se sjedn\u00e1v\u00e1 <strong><a href=\"https:\/\/www.rixo.cz\/urazove-pojisteni-pro-deti\/\" title=\"\u00farazov\u00e9 poji\u0161t\u011bn\u00ed pro d\u011bti\">\u00farazov\u00e9 poji\u0161t\u011bn\u00ed pro d\u011bti<\/a><\/strong>, kter\u00e9 na r\u016fzn\u00e1 zran\u011bn\u00ed trp\u00ed nejv\u00edce, p\u0159ikl\u00e1n\u00ed se k n\u011bmu ale tak\u00e9 mnoho dosp\u011bl\u00fdch. A to zejm\u00e9na t\u011bch, kte\u0159\u00ed v\u00edce sportuj\u00ed.&nbsp;<\/p>\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\/urazove-pojisteni\/\" style=\"background-color:#605db5\">Srovnat \u00farazov\u00e9 poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Co je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\"><strong>\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a> je komplexn\u00ed a ze sv\u00e9 podstaty i velmi robustn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 m\u00e1 za \u00fakol chr\u00e1nit poji\u0161t\u011bn\u00e9ho p\u0159edev\u0161\u00edm v p\u0159\u00edpad\u011b <strong>dlouhodob\u00fdch dopad\u016f<\/strong> <strong>nemoc\u00ed a \u00faraz\u016f<\/strong>. Mezi z\u00e1kladn\u00ed poji\u0161\u0165ovan\u00e1 rizika pat\u0159\u00ed smrt, invalidita, z\u00e1va\u017en\u00e1 onemocn\u011bn\u00ed i trval\u00e9 n\u00e1sledky \u00farazu. \u017divotn\u00ed poji\u0161t\u011bn\u00ed ale krom\u011b toho nab\u00edz\u00ed i celou \u0159adu p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e1 pokr\u00fdvaj\u00ed nemoci i \u00faraz &#8211; t\u011bmi m\u016f\u017ee b\u00fdt nap\u0159\u00edklad poji\u0161t\u011bn\u00ed hospitalizace ze v\u0161ech p\u0159\u00ed\u010din nebo poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti ze v\u0161ech p\u0159\u00ed\u010din.<\/p>\n\n\n\n<p>Mo\u017en\u00e1 u\u017e je v\u00e1m podle popisu v\u00fd\u0161e jasn\u00e9, \u017ee <strong>\u00farazov\u00e9 poji\u0161t\u011bn\u00ed<\/strong> je <strong>pouze v\u00fdsekem \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong>. Zda m\u00e1te \u00farazov\u00e9, nebo \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, se \u0159\u00edd\u00ed podle toho, jak\u00e1 rizika m\u00e1te ve sv\u00e9 pojistce zahrnut\u00e1. \u017divotn\u00ed poji\u0161t\u011bn\u00ed tak\u00e9 v\u017edy jako tzv. hlavn\u00ed tarif obsahuje poji\u0161t\u011bn\u00ed smrti. To je v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed povinn\u011b sjedn\u00e1van\u00e9 riziko, ale v \u00farazov\u00e9m poji\u0161t\u011bn\u00ed b\u00fdt nemus\u00ed.&nbsp;<\/p>\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<h2 class=\"wp-block-heading\">Rozd\u00edly mezi \u017eivotn\u00edm a \u00farazov\u00fdm poji\u0161t\u011bn\u00edm<\/h2>\n\n\n\n<p>U\u017e v\u00edte, co pojmy \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed znamenaj\u00ed. Jak\u00e9 jsou ale hlavn\u00ed odli\u0161nosti mezi t\u011bmito dv\u011bma poji\u0161t\u011bn\u00edmi? Shrneme si to hezky p\u0159ehledn\u011b.<\/p>\n\n\n\n<ul>\n<li>\u00da\u010delem \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je <strong>dlouhodob\u00e1 ochrana<\/strong> p\u0159ed jak\u00fdmikoliv zdravotn\u00edmi pot\u00ed\u017eemi, kter\u00e9 by mohly ohrozit stabilitu rodinn\u00fdch financ\u00ed. \u00darazov\u00e9 poji\u0161t\u011bn\u00ed b\u00fdv\u00e1 zpravidla zam\u011b\u0159en\u00e9 hlavn\u011b na<strong> kr\u00e1tkodob\u00e9 n\u00e1sledky \u00farazu<\/strong>.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>\u017divotn\u00ed poji\u0161t\u011bn\u00ed pokr\u00fdv\u00e1<strong> rizika nemoc\u00ed a \u00faraz\u016f, <\/strong>poji\u0161t\u011bn\u00ed se sjedn\u00e1v\u00e1 na rizika tzv. ze v\u0161ech p\u0159\u00ed\u010din. \u00darazov\u00e9 poji\u0161t\u011bn\u00ed se oproti tomu zam\u011b\u0159uje pouze na rizika souvisej\u00edc\u00ed s \u00farazy, je tedy podmno\u017einou \u017eivotn\u00edho poji\u0161t\u011bn\u00ed.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>P\u0159i sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed se v\u017edy <strong>zkoum\u00e1 zdravotn\u00ed stav<\/strong> a prob\u00edh\u00e1 tzv. oce\u0148ov\u00e1n\u00ed rizik. P\u0159i uzav\u00edr\u00e1n\u00ed \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed se zdravotn\u00ed stav podrobn\u011b zkoumat nemus\u00ed.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>V \u017eivotn\u00edm poji\u0161t\u011bn\u00ed je <strong>poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad \u00famrt\u00ed v\u017edy<\/strong> obsa\u017een\u00e9, a to alespo\u0148 s minim\u00e1ln\u00ed pojistnou \u010d\u00e1stkou (zpravidla ve v\u00fd\u0161i 50 000 K\u010d). <strong>\u00darazov\u00e9 poji\u0161t\u011bn\u00ed nemus\u00ed <\/strong>obsahovat poji\u0161t\u011bn\u00ed smrti.&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul>\n<li><strong>Cena \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong> se zaji\u0161t\u011bn\u00edm v\u0161ech rizik je vzhledem k obsahu poji\u0161t\u011bn\u00ed v\u017edy <strong>vy\u0161\u0161\u00ed<\/strong>, ne\u017e kolik byste zaplatili za samotn\u00e9 poji\u0161t\u011bn\u00ed \u00farazu. V pom\u011bru cena\/v\u00fdkon ale \u017eivotn\u00ed poji\u0161t\u011bn\u00ed d\u00edky komplexn\u00ed ochran\u011b p\u0159in\u00e1\u0161\u00ed v\u011bt\u0161\u00ed u\u017eitek.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u00darazov\u00e9 nebo \u017eivotn\u00ed poji\u0161t\u011bn\u00ed: Jak\u00e9 sjednat?<\/h2>\n\n\n\n<p>Pokud p\u0159em\u00fd\u0161l\u00edte, na co se pojistit, v\u011bzte, \u017ee <strong>95 procent<\/strong> v\u0161ech p\u0159\u00edpad\u016f invalidity je zp\u016fsobeno <strong>nemoc\u00ed<\/strong> a jen pouh\u00fdch <strong>5 procent<\/strong> je zp\u016fsobeno<strong> \u00farazem<\/strong>. Podobn\u011b je tomu tak i v p\u0159\u00edpad\u011b \u00famrt\u00ed. Pokud si tedy n\u011bjak\u00e9 poji\u0161t\u011bn\u00ed chcete sjednat, m\u016f\u017eeme v\u00e1m<strong> \u017eivotn\u00ed poji\u0161t\u011bn\u00ed <\/strong>jen doporu\u010dit. <\/p>\n\n\n\n<p>Nemus\u00edte se ob\u00e1vat, \u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nebudete moci m\u011bnit. V pr\u016fb\u011bhu sv\u00e9ho \u017eivota si poji\u0161t\u011bn\u00e1 rizika i \u010d\u00e1stky m\u016f\u017eete<strong> upravit tak<\/strong>, jak se budou m\u011bnit va\u0161e pot\u0159eby. Sou\u010dasn\u00e9 produkty rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed jsou velmi flexibiln\u00ed a je mo\u017en\u00e9 si je nastavit podle sv\u00e9ho p\u0159\u00e1n\u00ed.&nbsp;<\/p>\n\n\n\n<p><strong>\u00darazov\u00e9 poji\u0161t\u011bn\u00ed<\/strong> sice m\u016f\u017ee b\u00fdt l\u00e1kav\u00e9 <strong>n\u00edzkou cenou a jednoduch\u00fdm sjedn\u00e1n\u00edm<\/strong>, nem\u011bli byste ale tuto variantu preferovat jen kv\u016fli tomu. Nebude toti\u017e dob\u0159e plnit \u00fa\u010del ochrany rodiny nebo zaji\u0161t\u011bn\u00ed hypot\u00e9ky, p\u0159\u00edpadn\u011b jin\u00fdch z\u00e1vazk\u016f. Ze sjedn\u00e1n\u00ed \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed p\u0159\u00edli\u0161 dosp\u011bl\u00ed nebenefituj\u00ed a vhodn\u00e9 je p\u0159edev\u0161\u00edm pro d\u011bti. I pro n\u011b u\u017e ale m\u016f\u017eete sjednat plnohodnotn\u00e9 d\u011btsk\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 pokryje jak \u00farazy, tak nemoci.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"663\" 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\/04\/pexels-\u043c\u0430\u0440\u0438\u043d\u0430-\u0448\u0438\u0448\u043a\u0438\u043d\u0430-10347888-1-2.jpg\" alt=\"Rozd\u00edly mezi \u00farazov\u00fdm a \u017eivotn\u00edm poji\u0161t\u011bn\u00edm\" class=\"wp-image-2302\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/04\/pexels-\u043c\u0430\u0440\u0438\u043d\u0430-\u0448\u0438\u0448\u043a\u0438\u043d\u0430-10347888-1-2.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/04\/pexels-\u043c\u0430\u0440\u0438\u043d\u0430-\u0448\u0438\u0448\u043a\u0438\u043d\u0430-10347888-1-2-300x199.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/04\/pexels-\u043c\u0430\u0440\u0438\u043d\u0430-\u0448\u0438\u0448\u043a\u0438\u043d\u0430-10347888-1-2-768x509.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/04\/pexels-\u043c\u0430\u0440\u0438\u043d\u0430-\u0448\u0438\u0448\u043a\u0438\u043d\u0430-10347888-1-2-100x66.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/04\/pexels-\u043c\u0430\u0440\u0438\u043d\u0430-\u0448\u0438\u0448\u043a\u0438\u043d\u0430-10347888-1-2-679x450.jpg 679w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Kolik stoj\u00ed \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed?&nbsp;<\/h2>\n\n\n\n<p>Cena \u017eivotn\u00edho a \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed je velmi individu\u00e1ln\u00ed a z\u00e1vis\u00ed na mnoha faktorech. Mezi n\u011b pat\u0159\u00ed nejen konkr\u00e9tn\u00ed<strong> v\u00fdb\u011br poji\u0161t\u011bn\u00fdch rizik<\/strong> a nastaven\u00ed <strong>pojistn\u00fdch \u010d\u00e1stek<\/strong>, ale tak\u00e9 v\u00e1\u0161 v\u011bk, aktu\u00e1ln\u00ed zdravotn\u00ed stav i va\u0161e povol\u00e1n\u00ed \u010di provozovan\u00e9 sporty. Pojistka se v\u00e1m toti\u017e m\u016f\u017ee prodra\u017eit, pokud se poji\u0161\u0165ujete ve <strong>vy\u0161\u0161\u00edm v\u011bku<\/strong>, v\u00e1\u0161 chorobopis u\u017e nen\u00ed \u00fapln\u011b neposkvrn\u011bn\u00fd a<strong> rizikov\u00e9 aktivity<\/strong> v\u00e1m nejsou ciz\u00ed. Ov\u0161em ka\u017ed\u00e1 poji\u0161\u0165ovna posuzuje rizikovost klient\u016f jinak a podle toho se m\u016f\u017ee li\u0161it i cena.&nbsp;<\/p>\n\n\n\n<p>Ne\u017e si poji\u0161t\u011bn\u00ed sjedn\u00e1te, zkuste si nejprve <strong>srovnat nab\u00eddky<\/strong> poji\u0161\u0165oven pr\u00e1v\u011b pro v\u00e1s. Mo\u017en\u00e1 p\u0159ijdete na to, \u017ee u sv\u00e9 poji\u0161\u0165ovny byste zbyte\u010dn\u011b p\u0159epl\u00e1celi za stejn\u011b nastaven\u00e9 poji\u0161t\u011bn\u00ed. Kolik za sv\u00e9 poji\u0161t\u011bn\u00ed zaplat\u00edte? To zjist\u00edte na RIXO.cz u\u017e za <strong>dv\u011b minutky<\/strong>. Sta\u010d\u00ed jen doplnit p\u00e1r z\u00e1kladn\u00edch \u00fadaj\u016f do kr\u00e1tk\u00e9ho dotazn\u00edku a hned uvid\u00edte, jak\u00e9 nab\u00eddky si pro v\u00e1s poji\u0161\u0165ovny p\u0159ipravily.<\/p>\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","protected":false},"excerpt":{"rendered":"<p>\u017divotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed se \u010dasto zam\u011b\u0148uje, a nen\u00ed to vlastn\u011b nic divn\u00e9ho, kdy\u017e se tato poji\u0161t\u011bn\u00ed nab\u00edz\u00ed spole\u010dn\u011b. Zam\u011b\u0159uj\u00ed se na jin\u00e1 rizika? Je rozd\u00edl i v cen\u011b t\u011bchto poji\u0161t\u011bn\u00ed? Ud\u011blejte si jasno v rozd\u00edlech mezi \u017eivotn\u00edm a \u00farazov\u00fdm poji\u0161t\u011bn\u00edm jednou prov\u017edy.<\/p>\n","protected":false},"author":11,"featured_media":2300,"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\/2299"}],"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=2299"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2299\/revisions"}],"predecessor-version":[{"id":2306,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2299\/revisions\/2306"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2300"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2299"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2299"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2299"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}