{"id":2602,"date":"2024-09-12T09:32:33","date_gmt":"2024-09-12T07:32:33","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2602"},"modified":"2024-09-18T10:11:40","modified_gmt":"2024-09-18T08:11:40","slug":"vyplati-se-aktualizovat-zivotni-pojisteni-poradime-kdy-to-ma-smysl","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/vyplati-se-aktualizovat-zivotni-pojisteni-poradime-kdy-to-ma-smysl\/","title":{"rendered":"Vyplat\u00ed se aktualizovat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? Porad\u00edme, kdy to m\u00e1 smysl"},"content":{"rendered":"\n

M\u00e1te ji\u017e n\u011bkolik let star\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? M\u016f\u017eete narazit na doporu\u010den\u00ed aktualizovat svou pojistnou smlouvu. Kdy byste se m\u011bli zamyslet nad zm\u011bnou a v jak\u00e9 situaci se rad\u011bji do \u00faprav nepou\u0161t\u011bt? Vysv\u011btl\u00edme, podle \u010deho se rozhodnout. <\/p>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/a> je ze sv\u00e9 podstaty pojistn\u00fdm produktem, kter\u00fd v\u00e1s m\u00e1 prov\u00e1zet dlouh\u00e1 desetilet\u00ed od ml\u00e1d\u00ed a\u017e do d\u016fchodov\u00e9ho v\u011bku. D\u00e1vno sjednan\u00e9 poji\u0161t\u011bn\u00ed se ale m\u016f\u017ee jednoho dne uk\u00e1zat jako nev\u00fdhodn\u00e9 nebo nedosta\u010duj\u00edc\u00ed<\/strong>. A tomu se vyplat\u00ed p\u0159edej\u00edt pravidelnou kontrolou a aktualizac\u00ed<\/strong> pojistn\u00e9 smlouvy nebo t\u0159eba sjedn\u00e1n\u00edm dal\u0161\u00ed smlouvy, kter\u00e1 adekv\u00e1tn\u011b pokryje pot\u0159ebn\u00e1 rizika. <\/p>\n\n\n\n

Aktualizace a zm\u011bna poji\u0161t\u011bn\u00ed podle typu \u017eivotn\u00ed pojistky<\/h2>\n\n\n\n

Jedn\u00edm z nejd\u016fle\u017eit\u011bj\u0161\u00edch krit\u00e9ri\u00ed, kter\u00e1 rozhoduj\u00ed o vhodnosti zm\u011bny poji\u0161t\u011bn\u00ed, je typ sjednan\u00e9ho \u017eivotka<\/strong>. Zn\u00e1me toti\u017e celkem t\u0159i druhy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, kter\u00e9 se v\u00fdrazn\u011b odli\u0161uj\u00ed. Zat\u00edmco dnes se sjedn\u00e1v\u00e1 rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, v platnosti je dodnes je\u0161t\u011b mnoho smluv star\u0161\u00edch typ\u016f investi\u010dn\u00edho a kapit\u00e1lov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong>. <\/p>\n\n\n\n

Sice v\u00e1m I\u017dP a K\u017dP<\/strong> n\u011bco u\u0161et\u0159\u00ed na dan\u00edch<\/strong>, ale je dob\u0159e zn\u00e1mo, \u017ee poji\u0161t\u011bn\u00ed nepln\u00ed sv\u016fj \u00fa\u010del finan\u010dn\u00edho zaji\u0161t\u011bn\u00ed p\u0159\u00edli\u0161 dob\u0159e. Jde toti\u017e o hybridn\u00ed produkt kombinuj\u00edc\u00ed investice<\/strong> \u010di zhodnocen\u00ed vlo\u017een\u00fdch prost\u0159edk\u016f<\/strong> a poji\u0161t\u011bn\u00ed<\/strong>. Vzhledem k tomu, \u017ee poplatky <\/strong>u t\u011bchto smluv b\u00fdvaj\u00ed vysok\u00e9 a pojistn\u00e1 ochrana stoj\u00ed sp\u00ed\u0161e na druh\u00e9 koleji, nen\u00ed rozumn\u00e9 se p\u0159\u00edli\u0161 na tyto produkty spol\u00e9hat v p\u0159\u00edpad\u011b zdravotn\u00edch pot\u00ed\u017e\u00ed.  <\/p>\n\n\n\n

Aktualizace a zm\u011bna investi\u010dn\u00edho nebo kapit\u00e1lov\u00e9ho poji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n

Investi\u010dn\u00ed a kapit\u00e1lov\u00e9 poji\u0161t\u011bn\u00ed p\u0159edpokl\u00e1d\u00e1, \u017ee smlouva v\u00e1m pob\u011b\u017e\u00ed bez p\u0159eru\u0161en\u00ed od sjedn\u00e1n\u00ed a\u017e do dosa\u017een\u00ed ur\u010dit\u00e9ho v\u011bku (nej\u010dast\u011bji 65 let)<\/strong>. A b\u011bhem cel\u00e9 t\u00e9to doby se v\u00e1m investovan\u00e1 \u010d\u00e1stka tvo\u0159\u00edc\u00ed \u010d\u00e1st zaplacen\u00e9ho pojistn\u00e9ho zhodnocuje podle sjednan\u00fdch podm\u00ednek, p\u0159\u00edpadn\u011b u rezervotvorn\u00e9ho poji\u0161t\u011bn\u00ed alespo\u0148 \u00faro\u010d\u00ed. To samoz\u0159ejm\u011b nen\u00ed jen tak a za spr\u00e1vu vlo\u017een\u00e9ho kapit\u00e1lu zaplat\u00edte pom\u011brn\u011b \u201ctu\u010dn\u00e9\u201d poplatky. <\/p>\n\n\n\n

Ukon\u010den\u00ed I\u017dP nebo K\u017dP<\/a> p\u0159ed\u010dasn\u011b se m\u00e1lokdy vyplat\u00ed kv\u016fli n\u00edzk\u00e9mu odkupn\u00e9mu<\/strong> od poji\u0161\u0165ovny, kter\u00e9 nav\u00edc podl\u00e9h\u00e1 zdan\u011bn\u00ed<\/strong>. A to v\u016fbec nemluv\u00edme o odpo\u010dtu I\u017dP a K\u017dP<\/strong> z dan\u00ed. Pokud jste si ode\u010d\u00edtali zaplacen\u00e9 pojistn\u00e9 ze z\u00e1kladu dan\u011b<\/strong>, budete ho muset p\u0159i p\u0159ed\u010dasn\u00e9m ukon\u010den\u00ed smlouvy zp\u011btn\u011b doplatit<\/strong>. <\/p>\n\n\n\n

Jak \u0159e\u0161it aktualizaci a zm\u011bnu investi\u010dn\u00edho nebo kapit\u00e1lov\u00e9ho poji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n

U\u017e bylo \u0159e\u010deno, \u017ee pojistn\u00e1 ochrana u t\u011bchto typ\u016f pojistek toho moc nenab\u00edz\u00ed. Vzhledem k tomu, \u017ee se ale nevyplat\u00ed poji\u0161t\u011bn\u00ed cel\u00e9 ru\u0161it, posta\u010d\u00ed \u201cosekat\u201d pojistku<\/strong> a m\u011bs\u00ed\u010dn\u00ed platby pojistn\u00e9ho sn\u00ed\u017eit na minimum<\/strong>. Skute\u010dn\u011b kvalitn\u00ed pojistnou ochranu pot\u00e9 m\u016f\u017eete z\u00edskat sjedn\u00e1n\u00edm rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong>. Myslete ov\u0161em na to, \u017ee s postupuj\u00edc\u00edm v\u011bkem a p\u0159ib\u00fdvaj\u00edc\u00edmi zdravotn\u00edmi pot\u00ed\u017eemi u\u017e nemus\u00edte dostat od poji\u0161\u0165ovny tak kvalitn\u00ed nab\u00eddku za dobrou cenu<\/strong>. <\/p>\n\n\n\n

Doporu\u010dujeme proto postup nejprve konzultovat se specialistou<\/strong>, kter\u00fd dok\u00e1\u017ee zhodnotit mo\u017enosti \u00faprav poji\u0161t\u011bn\u00ed ve va\u0161em konkr\u00e9tn\u00edm p\u0159\u00edpad\u011b. A kam se obr\u00e1tit pro radu? Zkuste t\u0159eba na\u0161e experty v RIXO.cz, kte\u0159\u00ed v\u00e1m bezplatn\u011b a nez\u00e1visle<\/strong> porovnaj\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed na m\u00edru.<\/p>\n\n\n\n

\n
Srovnat rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n

Aktualizace a zm\u011bna rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n

Zjistili jste, \u017ee po \u010dase u\u017e v\u00e1m d\u0159\u00edve uzav\u0159en\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed tolik nevyhovuje? Zda se vyplat\u00ed ho \u00fapln\u011b zm\u011bnit nebo upravit<\/strong>, z\u00e1vis\u00ed na hned n\u011bkolika krit\u00e9ri\u00edch. Z\u00e1le\u017eet bude t\u0159eba na tom, p\u0159ed jakou dobou jste \u017eivotn\u00ed poji\u0161t\u011bn\u00ed uzav\u0159eli<\/strong>, zda se u v\u00e1s v mezidob\u00ed nevyskytly n\u011bjak\u00e9 zdravotn\u00ed pot\u00ed\u017ee<\/strong> nebo jak v\u00fdrazn\u011b byste pot\u0159ebovali poji\u0161t\u011bn\u00ed upravit. <\/p>\n\n\n\n

P\u0159i \u201cvy\u0161krt\u00e1v\u00e1n\u00ed\u201d jednotliv\u00fdch poji\u0161t\u011bn\u00ed<\/strong> ze smlouvy je to jednoduch\u00e9, ale kdy\u017e chcete z\u00edskat vy\u0161\u0161\u00ed ochranu, m\u016f\u017ee nastat p\u0159ekvapen\u00ed. Pokud byste toti\u017e cht\u011bli n\u011bjak\u00e1 pojistn\u00e1 nebezpe\u010d\u00ed do sv\u00e9 smlouvy p\u0159idat<\/strong> nebo u nich zv\u00fd\u0161it pojistn\u00e9 \u010d\u00e1stky<\/strong>, p\u0159ipravte se na to, \u017ee poji\u0161\u0165ovna bude op\u011bt zkoumat v\u00e1\u0161 zdravotn\u00ed stav<\/strong>. Projdete tedy op\u011bt dokl\u00e1d\u00e1n\u00edm l\u00e9ka\u0159sk\u00fdch zpr\u00e1v<\/strong> a vypl\u0148ov\u00e1n\u00edm zdravotn\u00edho dotazn\u00edku<\/strong>. Od toho se pak bude odv\u00edjet tak\u00e9 v\u00fd\u0161e pojistn\u00e9ho <\/strong>a p\u0159\u00edpadn\u011b i omezen\u00ed kryt\u00ed. <\/p>\n\n\n\n

Jak \u0159e\u0161it aktualizaci a zm\u011bnu rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n

Rozhodnut\u00ed, zda rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed zcela p\u0159esjednat, upravit nebo vytvo\u0159it novou pojistnou smlouvu, kter\u00e1 bude dopl\u0148ovat tu p\u016fvodn\u00ed, m\u016f\u017ee b\u00fdt pom\u011brn\u011b t\u011b\u017ek\u00e9. V\u017edy se proto vyplat\u00ed konzultovat tyto zm\u011bny s experty. Dv\u011b \u010dast\u00e9 situace ale maj\u00ed pom\u011brn\u011b jasnou odpov\u011b\u010f. <\/p>\n\n\n\n

Zm\u011bna poji\u0161t\u011bn\u00ed do n\u011bkolika let po sjedn\u00e1n\u00ed<\/h4>\n\n\n\n

Uzav\u0159eli jste \u017eivotko p\u0159ed t\u0159ic\u00edtkou a pojistn\u00e1 smlouva v\u00e1m b\u011b\u017e\u00ed teprve t\u0159eba 5 let? M\u016f\u017ee se st\u00e1t, \u017ee v pojistce pot\u0159ebujete nav\u00fd\u0161it \u010d\u00e1stky<\/strong> nebo dosjednat ur\u010dit\u00e1 rizika<\/strong> kv\u016fli zalo\u017een\u00ed rodiny \u010di hypot\u00e9ce. M\u00e1te je\u0161t\u011b dobrou p\u0159\u00edle\u017eitost sjednat novou smlouvu<\/strong> s odpov\u00eddaj\u00edc\u00edm kryt\u00edm za velmi dobrou cenu<\/strong>. V\u00fdpov\u011b\u010f star\u00e9 smlouvy a sjedn\u00e1n\u00ed nov\u00e9ho poji\u0161t\u011bn\u00ed<\/strong> se p\u0159i nalezen\u00ed dobr\u00e9 nab\u00eddky m\u016f\u017ee opravdu vyplatit. <\/p>\n\n\n\n

Zm\u011bna star\u0161\u00edho poji\u0161t\u011bn\u00ed po \u010dty\u0159ic\u00edtce<\/h4>\n\n\n\n

Sjednali jste poji\u0161t\u011bn\u00ed v ml\u00e1d\u00ed a te\u010f se po n\u011bkolika dek\u00e1d\u00e1ch va\u0161e pot\u0159eby na finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed m\u011bn\u00ed? M\u016f\u017ee se st\u00e1t, \u017ee jste poji\u0161t\u011bni na \u010d\u00e1stky<\/strong>, kter\u00e9 u\u017e pro v\u00e1s kv\u016fli inflaci nejsou dostate\u010dn\u00e9<\/strong>. Na druhou stranu je ale va\u0161e poji\u0161t\u011bn\u00ed pravd\u011bpodobn\u011b velmi levn\u00e9<\/strong>. V\u011bt\u0161inou proto ned\u00e1v\u00e1 smysl st\u00e1vaj\u00edc\u00ed smlouvu ru\u0161it a sjedn\u00e1vat v\u0161e znovu<\/strong> nebo si cel\u00e9 poji\u0161t\u011bn\u00ed nechat zdra\u017eit<\/strong> kv\u016fli oce\u0148ov\u00e1n\u00ed zdravotn\u00edho stavu ve vy\u0161\u0161\u00edm v\u011bku. Dobr\u00fdm \u0159e\u0161en\u00edm je naopak nechat prvn\u00ed smlouvu b\u011b\u017eet<\/strong> v nezm\u011bn\u011bn\u00e9 podob\u011b a sjednat druhou pojistku<\/strong>, kde p\u0159ipojist\u00edte chyb\u011bj\u00edc\u00ed rizika a zv\u00fd\u0161\u00edte pojistn\u00e9 \u010d\u00e1stky na po\u017eadovanou \u00farove\u0148. <\/p>\n\n\n\n

Jak zjistit, jestli pot\u0159ebuji \u017eivotn\u00ed poji\u0161t\u011bn\u00ed aktualizovat?<\/h2>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed je nejslo\u017eit\u011bj\u0161\u00edm pojistn\u00fdm produktem v\u016fbec. Ud\u011bl\u00e1te dob\u0159e, kdy\u017e si nech\u00e1te smlouvu zkontrolovat a nez\u00e1visle ohodnotit. Jak? Sta\u010d\u00ed smlouvu o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed nahr\u00e1t na RIXO.cz. A kdy\u017e se uk\u00e1\u017ee, \u017ee by va\u0161e smlouva mohla b\u00fdt nastavena l\u00e9pe, rovnou v\u00e1m navrhneme lep\u0161\u00ed, a je\u0161t\u011b v\u00fdhodn\u011bj\u0161\u00ed \u0159e\u0161en\u00ed.\u00a0\u00a0<\/p>\n\n\n\n

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Chci ohodnotit smlouvu<\/a><\/div>\n<\/div>\n\n\n\n

V\u00edte, \u017ee v\u00e1m st\u00e1vaj\u00edc\u00ed smlouva u\u017e nic nep\u0159inese a cht\u011bli byste se pod\u00edvat, jak by mohlo vypadat va\u0161e nov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> s ide\u00e1ln\u00edm nastaven\u00edm rizik? Sta\u010d\u00ed si jen poji\u0161t\u011bn\u00ed b\u011bhem p\u00e1r minutek srovnat <\/strong>a ihned z\u00edskat p\u0159ehled o v\u00fdhodn\u00fdch nab\u00eddk\u00e1ch<\/strong>, kter\u00e9 si poji\u0161\u0165ovny p\u0159ipravily pouze pro v\u00e1s. <\/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":"

M\u00e1te ji\u017e n\u011bkolik let star\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? M\u016f\u017eete narazit na doporu\u010den\u00ed aktualizovat svou pojistnou smlouvu. Kdy byste se m\u011bli zamyslet nad zm\u011bnou a v jak\u00e9 situaci se rad\u011bji do \u00faprav nepou\u0161t\u011bt? <\/p>\n","protected":false},"author":11,"featured_media":2608,"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\/2602"}],"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=2602"}],"version-history":[{"count":1,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2602\/revisions"}],"predecessor-version":[{"id":2606,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2602\/revisions\/2606"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2608"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2602"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2602"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2602"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}