{"id":2555,"date":"2024-07-11T11:06:17","date_gmt":"2024-07-11T09:06:17","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2555"},"modified":"2024-07-11T11:06:17","modified_gmt":"2024-07-11T09:06:17","slug":"zivotni-pojisteni-pro-seniory","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/zivotni-pojisteni-pro-seniory\/","title":{"rendered":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed pro seniory"},"content":{"rendered":"\n

Odchodem do d\u016fchodu \u017eivot nekon\u010d\u00ed. Naopak! Dlouh\u00e9 des\u00edtky let si m\u016f\u017eete u\u017e\u00edvat zaslou\u017een\u00e9ho odpo\u010dinku a v\u011bnovat se kon\u00ed\u010dk\u016fm, kter\u00e9 jste kv\u016fli pr\u00e1ci \u010di d\u011btem d\u0159\u00edve odkl\u00e1dali. Ale co kdy\u017e zdrav\u00ed u\u017e neslou\u017e\u00ed a d\u016fchod nesta\u010d\u00ed? Odpov\u011bd\u00ed m\u016f\u017ee b\u00fdt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro seniory. <\/p>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed si b\u011b\u017en\u011b sjedn\u00e1vaj\u00ed lid\u00e9 v produktivn\u00edm v\u011bku, aby zajistili sebe, svou rodinu nebo t\u0159eba finan\u010dn\u00ed z\u00e1vazky pro p\u0159\u00edpad nemoci \u010di \u00farazu<\/strong>. Zdravotn\u00ed komplikace, kter\u00e1 ohroz\u00ed finan\u010dn\u00ed stabilitu dom\u00e1cnosti, se m\u016f\u017ee vyskytnout kdykoliv. Nen\u00ed ale p\u0159ekvapen\u00edm, \u017ee v pokro\u010dil\u00e9m v\u011bku se za\u010d\u00ednaj\u00ed pot\u00ed\u017ee se zdrav\u00edm mno\u017eit \u010di zhor\u0161ovat<\/strong>. \u017divotn\u00ed \u00faspory nebo starobn\u00ed d\u016fchod ale pak nemus\u00ed b\u00fdt dosta\u010duj\u00edc\u00ed. Pr\u00e1v\u011b proto je tu \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro seniory. <\/p>\n\n\n\n

O \u017eivotn\u00edm poji\u0161t\u011bn\u00ed pro seniory<\/h2>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed m\u00e1 v\u017edy definovan\u00fd tzv. vstupn\u00ed a v\u00fdstupn\u00ed v\u011bk<\/strong> (v jak\u00e9m v\u011bku poji\u0161t\u011bn\u00ed m\u016f\u017eete sjednat a kdy poji\u0161t\u011bn\u00ed skon\u010d\u00ed). Vstupn\u00edm v\u011bkem v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed dosp\u011bl\u00fdch je standardn\u011b v\u011bk v rozmez\u00ed 18-65 let<\/strong>, ale \u010d\u00edm d\u00e1l \u010dast\u011bji se m\u016f\u017eete setkat i s vstupn\u00edm v\u011bkem a\u017e do 75 let<\/strong>. Pokud u\u017e m\u00e1te 75. narozeniny za sebou, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed u\u017e si nejsp\u00ed\u0161e v\u016fbec nesjedn\u00e1te. <\/p>\n\n\n\n

V\u00fdstupn\u00ed v\u011bk naopak \u0159\u00edk\u00e1, kdy v\u00e1m poji\u0161t\u011bn\u00ed zanikne – a to z\u00e1le\u017e\u00ed p\u0159edev\u0161\u00edm na v\u00e1s. Skon\u010dit m\u016f\u017ee t\u0159eba v 65, 70, 75 nebo dokonce 80 letech. Srovnat a sjednat si ho m\u016f\u017eete na RIXO.cz. <\/p>\n\n\n\n

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

M\u011bjte na pam\u011bti fakt, \u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed do 80 let je pom\u011brn\u011b novou variantou v nab\u00eddce poji\u0161\u0165oven a mo\u017enosti v\u00fdb\u011bru tud\u00ed\u017e mohou b\u00fdt omezen\u00e9. P\u0159ekvapen\u00ed m\u016f\u017ee nastat ale i u jednotliv\u00fdch rizik, v\u00fdluk nebo t\u0159eba ceny<\/strong>. Je sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed ve vy\u0161\u0161\u00edm v\u011bku dobr\u00e1 volba? Pod\u00edv\u00e1me se na to do detailu.<\/p>\n\n\n\n

Plusy a m\u00ednusy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed pro seniory<\/h2>\n\n\n\n

S \u017eivotn\u00edm poji\u0161t\u011bn\u00edm je to jako se v\u0161\u00edm jin\u00fdm: m\u00e1 mnoho v\u00fdhod, ale tak\u00e9 n\u011bjak\u00e9 nev\u00fdhody. Mezi hlavn\u00ed d\u016fvody, pro\u010d si senio\u0159i cht\u011bj\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed sjednat, pat\u0159\u00ed zaji\u0161t\u011bn\u00ed man\u017eela \u010di partnera, mo\u017enost zaplatit si v p\u0159\u00edpad\u011b pot\u0159eby pe\u010dovatelsk\u00e9 slu\u017eby nebo nap\u0159\u00edklad upravit bydlen\u00ed kv\u016fli n\u00e1sledk\u016fm nemoci \u010di \u00farazu. S t\u00edm v\u0161\u00edm pomohou jednotliv\u00e1 poji\u0161t\u011bn\u00ed v \u017eivotku, jako je poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti<\/strong>, poji\u0161t\u011bn\u00ed invalidity<\/strong>, poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed<\/strong><\/a> nebo poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu. <\/p>\n\n\n\n

A co m\u00ednusy? Nev\u00fdhod \u017eivotn\u00edho poji\u0161t\u011bn\u00ed p\u0159i sjedn\u00e1n\u00ed ve vy\u0161\u0161\u00edm v\u011bku je hned n\u011bkolik. Vzhledem k tomu, \u017ee riziko zdravotn\u00edch pot\u00ed\u017e\u00ed<\/strong> – a\u0165 u\u017e nemoc\u00ed \u010di \u00faraz\u016f – se v pozd\u011bj\u0161\u00edm v\u011bku v\u00fdrazn\u011b zvy\u0161uje<\/strong>, m\u016f\u017ee b\u00fdt nep\u0159\u00edjemn\u00fdm p\u0159ekvapen\u00edm v\u00fd\u0161e pojistn\u00e9ho<\/strong>. Oproti zdrav\u00e9mu t\u0159ic\u00e1tn\u00edkovi m\u016f\u017ee \u010dlov\u011bk nad 60 let za stejn\u011b nastaven\u00e9 poji\u0161t\u011bn\u00ed zaplatit klidn\u011b 5x vy\u0161\u0161\u00ed pojistn\u00e9<\/strong>. Krom\u011b toho se ale tak\u00e9 m\u016f\u017ee st\u00e1t, \u017ee poji\u0161\u0165ovna v\u00e1m \u201cnapa\u0159\u00ed\u201d je\u0161t\u011b celou \u0159adu v\u00fdluk<\/strong> kv\u016fli d\u0159\u00edv\u011bj\u0161\u00edm onemocn\u011bn\u00edm. <\/p>\n\n\n\n

D\u016fchodci kv\u016fli zm\u00edn\u011bn\u00fdm omezen\u00edm \u010dast\u011bji vyu\u017e\u00edvaj\u00ed \u00farazov\u00e9 poji\u0161t\u011bn\u00ed<\/strong><\/a>. Pro\u010d? Je podstatn\u011b v\u00fdhodn\u011bj\u0161\u00ed<\/strong> i dostupn\u011bj\u0161\u00ed z hlediska nab\u00eddky poji\u0161\u0165oven<\/strong>. Jedn\u00edm dechem je ale nutn\u00e9 dodat, \u017ee \u00farazy stoj\u00ed jen za nepatrnou men\u0161inou \u00famrt\u00ed nebo akutn\u00ed hospitalizac\u00ed. <\/p>\n\n\n\n

Na co d\u00e1vat pozor u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed pro seniory<\/h2>\n\n\n\n

Pokud chcete do \u017eivotn\u00edho poji\u0161t\u011bn\u00ed vstoupit po \u0161edes\u00e1tce, po\u010d\u00edtejte s t\u00edm, \u017ee poji\u0161\u0165ovna v\u00e1m nenab\u00eddne z\u00e1vratn\u011b vysok\u00e9 pojistn\u00e9 \u010d\u00e1stky. Z\u00e1vazky u\u017e toti\u017e b\u00fdvaj\u00ed splacen\u00e9 a d\u011bti samostatn\u00e9. Do \u00favahy se p\u0159i nastavov\u00e1n\u00ed poji\u0161t\u011bn\u00ed berou jak d\u016fchodov\u00e9 d\u00e1vky<\/strong>, tak i jin\u00e9 pravideln\u00e9 a st\u00e1l\u00e9 p\u0159\u00edjmy jako t\u0159eba men\u0161\u00ed<\/strong> p\u0159iv\u00fdd\u011blky<\/strong>. <\/p>\n\n\n\n

Jakmile p\u0159ekro\u010d\u00edte standardn\u00ed d\u016fchodov\u00fd v\u011bk, n\u011bjak\u00e1 d\u00edl\u010d\u00ed poji\u0161t\u011bn\u00ed se v\u00e1m v\u016fbec nemus\u00ed poda\u0159it sjednat<\/strong>. V poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed se jedn\u00e1 t\u0159eba o riziko Alzheimerovy choroby, kter\u00e9 zanik\u00e1 nej\u010dast\u011bji v 65 letech, a\u0165 u\u017e jste se pojistili v jak\u00e9mkoli v\u011bku. Stejn\u011b tak je tomu s poji\u0161t\u011bn\u00edm v\u0161ech stup\u0148\u016f invalidity<\/strong>. Poji\u0161t\u011bn\u00ed invalidity by v\u00e1m bylo platn\u00e9 pouze v p\u0159\u00edpad\u011b, \u017ee je\u0161t\u011b nepob\u00edr\u00e1te starobn\u00ed d\u016fchod.\u00a0<\/p>\n\n\n\n

\"\u017eivotn\u00ed<\/figure>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed vs. poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de <\/h2>\n\n\n\n

Poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de nen\u00ed stejn\u00e9 jako \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, m\u00e1 v\u0161ak v pokro\u010dilej\u0161\u00edm v\u011bku podobn\u00fd \u00fa\u010del. Hlavn\u00edm c\u00edlem poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de je finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed<\/strong> v p\u0159\u00edpad\u011b, \u017ee se stanete z jak\u00fdchkoliv d\u016fvod\u016f nesob\u011bsta\u010dn\u00fdmi<\/strong>. <\/p>\n\n\n\n

Podm\u00ednky poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de ov\u0161em mohou b\u00fdt je\u0161t\u011b v\u00edce svazuj\u00edc\u00ed ne\u017e u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, a\u0165 u\u017e se to t\u00fdk\u00e1 vstupn\u00edho v\u011bku<\/strong> nebo v\u00fdplaty pln\u011bn\u00ed v r\u016fzn\u00fdch stupn\u00edch z\u00e1vislosti na p\u00e9\u010di<\/strong>. Jednou z podm\u00ednek pln\u011bn\u00ed je zde tak\u00e9 p\u0159id\u011blen\u00ed p\u0159\u00edsp\u011bvku na p\u00e9\u010di \u00da\u0159adem pr\u00e1ce<\/strong>, co\u017e v p\u0159\u00edpad\u011b \u017eivotn\u00edho poji\u0161t\u011bn\u00ed odpad\u00e1<\/strong>. To ov\u0161em neplat\u00ed, pokud \u017e\u00e1d\u00e1te o pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed invalidity v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed a jedn\u00e1 se o uzn\u00e1n\u00ed invalidity \u010ceskou spr\u00e1vou soci\u00e1ln\u00edho zabezpe\u010den\u00ed.\u00a0<\/p>\n\n\n\n

V\u00edte, \u017ee \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed<\/strong><\/a> si m\u016f\u017eete srovnat pohodln\u011b online<\/strong>? Sta\u010d\u00ed jen kliknout na tla\u010d\u00edtko, vyplnit n\u011bkolik z\u00e1kladn\u00edch \u00fadaj\u016f do dotazn\u00edku a my u\u017e v\u00e1m za\u010dneme hledat nab\u00eddky od celkem 7 \u017eivotn\u00edch poji\u0161\u0165oven. Jednodu\u0161\u0161\u00ed u\u017e to b\u00fdt nem\u016f\u017ee!<\/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":"

Odchodem do d\u016fchodu \u017eivot nekon\u010d\u00ed. Naopak! Dlouh\u00e9 des\u00edtky let si m\u016f\u017eete u\u017e\u00edvat zaslou\u017een\u00e9ho odpo\u010dinku a v\u011bnovat se kon\u00ed\u010dk\u016fm, kter\u00e9 jste kv\u016fli pr\u00e1ci \u010di d\u011btem d\u0159\u00edve odkl\u00e1dali. Ale co kdy\u017e zdrav\u00ed u\u017e neslou\u017e\u00ed a d\u016fchod nesta\u010d\u00ed? Odpov\u011bd\u00ed m\u016f\u017ee b\u00fdt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro seniory.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":2556,"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\/2555"}],"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=2555"}],"version-history":[{"count":1,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2555\/revisions"}],"predecessor-version":[{"id":2563,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2555\/revisions\/2563"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2556"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2555"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2555"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2555"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}