{"id":2629,"date":"2024-09-04T09:26:08","date_gmt":"2024-09-04T07:26:08","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2629"},"modified":"2025-01-30T16:35:39","modified_gmt":"2025-01-30T15:35:39","slug":"dodaneni-zruseneho-zivotniho-pojisteni-navod-jak-na-to","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/dodaneni-zruseneho-zivotniho-pojisteni-navod-jak-na-to\/","title":{"rendered":"Dodan\u011bn\u00ed zru\u0161en\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed: N\u00e1vod, jak na to"},"content":{"rendered":"\n

P\u0159i\u0161li jste na to, \u017ee va\u0161e d\u0159\u00edve uzav\u0159en\u00e9 investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v z\u00e1sad\u011b nepot\u0159ebujete, a r\u00e1di byste svou pojistku ukon\u010dili? Pak m\u016f\u017eete narazit na administrativn\u00ed kole\u010dko, zvl\u00e1\u0161t\u011b pokud jste si pojistn\u00e9 ode\u010d\u00edtali ze z\u00e1kladu dan\u011b. Jak na dodan\u011bn\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed? S na\u0161\u00edm \u010dl\u00e1nkem to zvl\u00e1dnete snadno. <\/p>\n\n\n\n

S investi\u010dn\u00edm \u017eivotn\u00edm poji\u0161t\u011bn\u00edm si m\u016f\u017eete v z\u00e1vislosti na v\u00fd\u0161i pojistn\u00e9ho ze z\u00e1kladu dan\u011b za rok ode\u010d\u00edst a\u017e 48 000 K\u010d<\/strong>, tedy alespo\u0148 v roce 2024<\/strong>. D\u0159\u00edv\u011bj\u0161\u00ed ode\u010ditateln\u00e1 \u010d\u00e1stka v maxim\u00e1ln\u00ed v\u00fd\u0161i 24 000 K\u010d<\/strong> ale tak\u00e9 dok\u00e1zala se z\u00e1kladem dan\u011b p\u011bkn\u011b h\u00fdbnout. A pr\u00e1v\u011b to byl jeden z d\u016fvod\u016f, kter\u00fd klienty ke sjedn\u00e1n\u00ed investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed \u010dasto vedl. <\/p>\n\n\n\n

M\u016f\u017ee se ale st\u00e1t, \u017ee si po letech poji\u0161t\u011bn\u00ed uv\u011bdom\u00edte, \u017ee v\u00e1m investi\u010dn\u00ed poji\u0161t\u011bn\u00ed neslou\u017e\u00ed tak, jak jste si p\u0159edstavovali. Pojistn\u00e1 ochrana<\/strong> zde toti\u017e b\u00fdv\u00e1 slab\u0161\u00ed<\/strong>, na poplatky<\/strong> padne velk\u00e1 \u010d\u00e1st pojistn\u00e9ho<\/strong> a ani investi\u010dn\u00ed slo\u017eka<\/strong> moc dobr\u00fd v\u00fdnos nenab\u00edz\u00ed.<\/strong> Rozhodnete se ho zru\u0161it a sm\u00ed\u0159\u00edte se s ni\u017e\u0161\u00edm odkupn\u00fdm<\/strong>, ale je\u0161t\u011b zb\u00fdv\u00e1 zp\u011btn\u011b zru\u0161en\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed dodanit<\/strong>. Nemus\u00ed p\u0159itom j\u00edt o malou \u010d\u00e1stku. Dodan\u011bn\u00ed se toti\u017e t\u00fdk\u00e1 ve\u0161ker\u00fdch uplatn\u011bn\u00fdch odpo\u010dt\u016f za posledn\u00edch 10 let<\/strong>.\u00a0<\/p>\n\n\n\n

Kdo mus\u00ed dodanit zru\u0161en\u00e9 \u017eivotko?<\/h2>\n\n\n\n

Pokud jste zru\u0161ili sv\u00e9 rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, nemus\u00edte se ob\u00e1vat, \u017ee by na v\u00e1s p\u0159i\u0161la kontrola z finan\u010d\u00e1ku. Zde se toti\u017e nic ze z\u00e1kladu dan\u011b neode\u010d\u00edt\u00e1, tud\u00ed\u017e v\u00e1s nepostihne \u017e\u00e1dn\u00e9 dodan\u011bn\u00ed. Ov\u0161em investi\u010dn\u00ed a kapit\u00e1lov\u00e9 poji\u0161t\u011bn\u00ed je po <\/strong>zru\u0161en\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/a> nutn\u00e9 dodanit<\/strong>, pokud jste si alespo\u0148 n\u011bkter\u00fd rok v posledn\u00edch 10 letech<\/strong> ode\u010d\u00edtali zaplacen\u00e9 pojistn\u00e9 ze z\u00e1kladu dan\u011b nebo v\u00e1m na \u017eivotko kdykoliv od 1. ledna 2015 p\u0159isp\u00edval v\u00e1\u0161 zam\u011bstnavatel<\/strong>.\u00a0<\/p>\n\n\n\n

Jak dodanit zru\u0161en\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? <\/h2>\n\n\n\n

V\u00edte, \u017ee v\u00e1s dodan\u011bn\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed \u010dek\u00e1, ale v\u016fbec nev\u00edte, jak na to? Nebojte, v\u0161e zvl\u00e1dnete – sta\u010d\u00ed se \u0159\u00eddit postupem n\u00ed\u017ee. <\/p>\n\n\n\n

1. Vypl\u0148te da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed za rok, kdy bylo \u017eivotn\u00ed poji\u0161t\u011bn\u00ed zru\u0161eno<\/h3>\n\n\n\n

A\u0165 u\u017e jste OSV\u010c, d\u016fchodce nebo zam\u011bstnanec a da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed b\u011b\u017en\u011b nepod\u00e1v\u00e1te, budete se nyn\u00ed muset pono\u0159it do vypl\u0148ov\u00e1n\u00ed dob\u0159e zn\u00e1m\u00e9ho formul\u00e1\u0159e r\u016f\u017eov\u00e9 barvy. <\/p>\n\n\n\n

Jak vyplnit v da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed odpo\u010det ze z\u00e1kladu dan\u011b<\/strong><\/p>\n\n\n\n

Vypl\u0148te \u010d\u00e1stku shodnou s v\u00fd\u0161\u00ed da\u0148ov\u00e9ho odpo\u010dtu v sou\u010dtu za posledn\u00edch deset let<\/strong> do \u0159\u00e1dku 40 a d\u00e1le do \u0159\u00e1dk\u016f 207 a 209 v p\u0159\u00edloze \u010d. 2 da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed. Tato \u010d\u00e1stka se uv\u00e1d\u00ed jako ostatn\u00ed p\u0159\u00edjmy dle \u00a7 10 z\u00e1kona o dan\u00edch z p\u0159\u00edjm\u016f.\u00a0<\/p>\n\n\n\n

\"dodan\u011bn\u00ed
\u0158\u00e1dek 40 DPFO<\/figcaption><\/figure>\n\n\n\n
\"dodan\u011bn\u00ed
\u0158\u00e1dek 207 a 209 P\u0159\u00edlohy \u010d. 2 k DPFO<\/figcaption><\/figure>\n\n\n\n

Kde na \u010d\u00e1stku p\u0159ij\u00edt, kdy\u017e si nepamatujete, kolik mus\u00edte dodanit? Pod\u00edvejte se do p\u0159ehledu od poji\u0161\u0165ovny. Informace o stavu pojistn\u00e9 smlouvy v\u00e1m poji\u0161\u0165ovna mus\u00ed ze z\u00e1kona zaslat po\u0161tou \u010di elektronicky ka\u017ed\u00fd rok.<\/p>\n\n\n\n

Jak vyplnit v da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed p\u0159\u00edsp\u011bvek zam\u011bstnavatele<\/strong><\/p>\n\n\n\n

Do da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed se uv\u00e1d\u00ed sou\u010det v\u0161ech p\u0159\u00edsp\u011bvk\u016f zam\u011bstnavatele na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed po 1. 1. 2015<\/strong>. P\u0159\u00edsp\u011bvky se zaznamen\u00e1vaj\u00ed v da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed na \u0159\u00e1dku 31 jako p\u0159\u00edjmy ze z\u00e1visl\u00e9 \u010dinnosti podle \u00a7 6 z\u00e1kona o dan\u00edch z p\u0159\u00edjm\u016f. P\u0159\u00edslu\u0161n\u00e9 \u010d\u00e1stky najdete v potvrzen\u00ed o zdaniteln\u00fdch p\u0159\u00edjmech, kter\u00e9 v\u00e1m zam\u011bstnavatel ka\u017edoro\u010dn\u011b vystavuje.\u00a0\u00a0<\/p>\n\n\n\n

\"dodan\u011bn\u00ed
\u0158\u00e1dek 31 DPFO<\/figcaption><\/figure>\n\n\n\n

Nezapome\u0148te, \u017ee pokud v\u00e1m zam\u011bstnavatel je\u0161t\u011b na pojistn\u00e9 dosud p\u0159isp\u00edval, je tak\u00e9 pot\u0159eba zam\u011bstnavateli zru\u0161en\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed ozn\u00e1mit. <\/p>\n\n\n\n

2. Podejte da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed <\/h3>\n\n\n\n

Da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed pod\u00e1v\u00e1te zp\u011btn\u011b za rok, v n\u011bm\u017e jste sv\u00e9 investi\u010dn\u00ed \u010di kapit\u00e1lov\u00e9 poji\u0161t\u011bn\u00ed zru\u0161ili. Term\u00edny<\/strong> pro pod\u00e1n\u00ed da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed <\/strong>mohou b\u00fdt ka\u017ed\u00fd rok jin\u00e9<\/strong>. Po\u010d\u00edtejte ale v\u017edy s t\u00edm, abyste pap\u00edrov\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed m\u011bli p\u0159ipraven\u00e9 k 1. dubnu, p\u0159\u00edpadn\u011b elektronick\u00e9 k 1. kv\u011btnu. Je\u0161t\u011b jeden m\u011bs\u00edc m\u00e1te k dobru, pokud vyu\u017e\u00edv\u00e1te slu\u017eeb da\u0148ov\u00e9ho poradce. <\/p>\n\n\n\n

3. Zapla\u0165te da\u0148<\/h3>\n\n\n\n

Sou\u010dasn\u011b s pod\u00e1n\u00edm da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed zapla\u0165te da\u0148 sv\u00e9mu p\u0159\u00edslu\u0161n\u00e9mu finan\u010dn\u00edmu \u00fa\u0159adu<\/strong>. Pokud vyu\u017e\u00edv\u00e1te pod\u00e1n\u00ed da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed online pomoc\u00ed port\u00e1lu MOJE DAN\u011a<\/a>, rovnou se v\u00e1m zobraz\u00ed QR k\u00f3d a platebn\u00ed \u00fadaje. Sta\u010d\u00ed jen zadat platbu a m\u00e1te hotovo! <\/p>\n\n\n\n

Co potom? <\/h2>\n\n\n\n

Pokud jste se zbavili \u201ckoule na noze\u201d v podob\u011b investi\u010dn\u00edho poji\u0161t\u011bn\u00ed a m\u00e1te za sebou tak\u00e9 dodan\u011bn\u00ed odpo\u010dt\u016f, poohl\u00e9dn\u011bte se po kvalitn\u00edm rizikov\u00e9m \u017eivotn\u00edm nebo \u00farazov\u00e9m poji\u0161t\u011bn\u00ed<\/strong><\/a>, kter\u00e9 v\u00e1s skute\u010dn\u011b dob\u0159e ochr\u00e1n\u00ed v p\u0159\u00edpad\u011b \u00farazu i nemoci <\/strong>a nezas\u00e1hne v\u00e1m do rodinn\u00e9ho rozpo\u010dtu. A samoz\u0159ejm\u011b – pokud se jednoho dne rozhodnete, \u017ee u\u017e v\u00e1m poji\u0161t\u011bn\u00ed nevyhovuje, \u017e\u00e1dn\u00e9 dodan\u011bn\u00ed a opl\u00e9ta\u010dky s finan\u010d\u00e1kem v\u00e1s ne\u010dekaj\u00ed. P\u0159ed ukon\u010den\u00edm poji\u0161t\u011bn\u00ed ale d\u016fkladn\u011b zva\u017ete, jak se zm\u011bnily va\u0161e pot\u0159eby, v\u00e1\u0161 zdravotn\u00ed stav nebo sportovn\u00ed aktivity, aby nov\u00e9 poji\u0161t\u011bn\u00ed reagovalo co nejl\u00e9pe na va\u0161i \u017eivotn\u00ed situaci.<\/p>\n\n\n\n

Ne\u017e se un\u00e1hlen\u011b up\u00ed\u0161ete do dal\u0161\u00ed smlouvy, zkuste si nez\u00e1vazn\u011b srovnat nab\u00eddky<\/strong> cel\u00e9 \u0159ady renomovan\u00fdch poji\u0161\u0165oven na webu RIXO.cz<\/strong><\/a> nebo v mobiln\u00ed aplikaci<\/strong><\/a> <\/strong>a my v\u00e1m najdeme ty nejv\u00fdhodn\u011bj\u0161\u00ed. Tak do toho!<\/p>\n\n\n\n

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

P\u0159i\u0161li jste na to, \u017ee va\u0161e d\u0159\u00edve uzav\u0159en\u00e9 investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v z\u00e1sad\u011b nepot\u0159ebujete, a r\u00e1di byste svou pojistku ukon\u010dili? Pak m\u016f\u017eete narazit na administrativn\u00ed kole\u010dko, zvl\u00e1\u0161t\u011b pokud jste si pojistn\u00e9 ode\u010d\u00edtali ze z\u00e1kladu dan\u011b. Jak na dodan\u011bn\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed? <\/p>\n","protected":false},"author":11,"featured_media":2630,"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\/2629"}],"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=2629"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2629\/revisions"}],"predecessor-version":[{"id":2996,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2629\/revisions\/2996"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2630"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2629"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2629"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2629"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}