{"id":2739,"date":"2024-10-17T10:00:56","date_gmt":"2024-10-17T08:00:56","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2739"},"modified":"2024-10-17T10:00:58","modified_gmt":"2024-10-17T08:00:58","slug":"pojisteni-ztraty-zamestnani-jak-funguje","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-ztraty-zamestnani-jak-funguje\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed: Jak funguje a pro\u010d si ho (ne)sjedn\u00e1vat?"},"content":{"rendered":"\n<p>O sv\u00e9 zam\u011bstn\u00e1n\u00ed nechce p\u0159ij\u00edt nikdo. V\u00fdpov\u011b\u010f z pr\u00e1ce s sebou p\u0159in\u00e1\u0161\u00ed stres a strach o rodinn\u00e9 finance, a pokud je\u0161t\u011b mus\u00edte spl\u00e1cet \u00fav\u011br, m\u016f\u017ee dom\u00e1c\u00ed atmosf\u00e9ra klesnout na bod mrazu. Pom\u016f\u017ee v\u00e1m poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed?&nbsp;<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed je jedn\u00edm z rizik v r\u00e1mci poji\u0161t\u011bn\u00ed \u00fav\u011bru, respektive <a href=\"https:\/\/www.rixo.cz\/blog\/jak-na-pojisteni-hypoteky\/\">poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet \u00fav\u011br<\/a>. Skladba produktu b\u00fdv\u00e1 u bank podobn\u00e1 a zpravidla zahrnuje poji\u0161t\u011bn\u00ed<strong> smrti<\/strong>, poji\u0161t\u011bn\u00ed<strong> invalidity<\/strong> <strong>III. stupn\u011b<\/strong>, poji\u0161t\u011bn\u00ed<strong> dlouhodob\u00e9 pracovn\u00ed neschopnosti <\/strong>a kone\u010dn\u011b <strong>poji\u0161t\u011bn\u00ed nedobrovoln\u00e9 ztr\u00e1ty zam\u011bstn\u00e1n\u00ed<\/strong>. Pr\u00e1v\u011b na n\u011bj se nyn\u00ed pod\u00edv\u00e1me do detailu.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co je poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed kryje riziko<strong> nedobrovoln\u00e9 ztr\u00e1ty zam\u011bstn\u00e1n\u00ed <\/strong>a je ur\u010deno k ochran\u011b va\u0161\u00ed schopnosti <strong>dost\u00e1t sv\u00fdm finan\u010dn\u00edm z\u00e1vazk\u016fm<\/strong>. Sjedn\u00e1v\u00e1 se jak k <strong>hypot\u00e9k\u00e1m, tak i spot\u0159ebitelsk\u00fdm \u00fav\u011br\u016fm <\/strong>p\u0159\u00edmo v bank\u00e1ch. Poji\u0161t\u011bn\u00ed je ur\u010deno p\u0159edev\u0161\u00edm zam\u011bstnanc\u016fm. Ov\u0161em i \u017eivnostn\u00edci mohou za ur\u010dit\u00fdch podm\u00ednek chr\u00e1n\u011bni pro p\u0159\u00edpad p\u0159eru\u0161en\u00ed \u017eivnosti.\u00a0<\/p>\n\n\n\n<p>Pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed m\u016f\u017ee m\u00edt podobu <strong>d\u00e1vek <\/strong>ve sjednan\u00e9 v\u00fd\u0161i. P\u0159\u00edpadn\u011b za v\u00e1s poji\u0161\u0165ovna na ur\u010ditou dobu <strong>p\u0159evezme hrazen\u00ed pravideln\u00fdch spl\u00e1tek \u00fav\u011bru<\/strong>. Zpravidla se jedn\u00e1 o <strong>6-12 m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek<\/strong>.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kdy vznik\u00e1 n\u00e1rok na pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed?&nbsp;<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed se zpravidla sjedn\u00e1v\u00e1 s <strong>\u010dekac\u00ed dobou v d\u00e9lce 3 a\u017e 6 m\u011bs\u00edc\u016f<\/strong>. Ta se do pojistn\u00fdch podm\u00ednek zahrnuje p\u0159edev\u0161\u00edm pro to, aby klienti p\u0159i tu\u0161en\u00ed, \u017ee se n\u011bjak\u00e9 ot\u0159esy na pracovi\u0161ti bl\u00ed\u017e\u00ed, neza\u010dali uzav\u00edrat pojistky<strong> \u00fa\u010delov\u011b<\/strong>. A samoz\u0159ejm\u011b bychom v t\u00e9to souvislosti tak\u00e9 mohli mluvit o pojistn\u00e9m podvodu. Pamatujte, poji\u0161t\u011bn\u00ed slou\u017e\u00ed v\u017edy ke kryt\u00ed <strong>nahodil\u00fdch<\/strong>, tedy <strong>neo\u010dek\u00e1van\u00fdch<\/strong> ud\u00e1lost\u00ed.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>Obecn\u011b plat\u00ed, \u017ee aby v\u00e1m poji\u0161t\u011bn\u00ed v p\u0159\u00edpad\u011b nouze pomohlo, mus\u00ed doj\u00edt k propu\u0161t\u011bn\u00ed z pracovn\u00edho pom\u011bru na dobu neur\u010ditou \u010di ur\u010ditou v d\u00e9lce alespo\u0148 1 roku z <strong>organiza\u010dn\u00edch d\u016fvod\u016f nebo zdravotn\u00edch d\u016fvod\u016f<\/strong> br\u00e1n\u00edc\u00edch zam\u011bstnanci ve v\u00fdkonu pr\u00e1ce. Pod organiza\u010dn\u00edmi d\u016fvody si m\u016f\u017eete p\u0159edstavit:<\/p>\n\n\n\n<ul>\n<li><strong>zru\u0161en\u00ed zam\u011bstnavatele nebo jeho \u010d\u00e1sti<\/strong> (uzav\u0159en\u00ed firmy nebo ur\u010dit\u00e9ho odd\u011blen\u00ed)<\/li>\n\n\n\n<li><strong>p\u0159em\u00edst\u011bn\u00ed zam\u011bstnavatele<\/strong> (st\u011bhov\u00e1n\u00ed pracovi\u0161t\u011b uveden\u00e9ho v pracovn\u00ed smlouv\u011b do jin\u00e9ho m\u011bsta)\u00a0<\/li>\n\n\n\n<li><strong>nadbyte\u010dnost zam\u011bstnance<\/strong> (zru\u0161en\u00ed va\u0161\u00ed konkr\u00e9tn\u00ed pracovn\u00ed pozice, nap\u0159\u00edklad p\u0159i sni\u017eov\u00e1n\u00ed stav\u016f)<\/li>\n<\/ul>\n\n\n\n<p>T\u00edm ale podm\u00ednky nekon\u010d\u00ed. Abyste nevyu\u017eili pln\u011bn\u00ed z pojistky jako p\u0159ilep\u0161en\u00ed k nov\u011b z\u00edskan\u00e9 pr\u00e1ci, je nutn\u00e9, abyste byli evidov\u00e1ni <strong>v datab\u00e1zi uchaze\u010d\u016f<\/strong> o zam\u011bstn\u00e1n\u00ed na \u00fa\u0159ad\u011b pr\u00e1ce <strong>40-60 dn\u00ed<\/strong>. A samoz\u0159ejm\u011b tak\u00e9 po z\u00edsk\u00e1n\u00ed nov\u00e9ho zam\u011bstn\u00e1n\u00ed n\u00e1rok na pln\u011bn\u00ed pozb\u00fdv\u00e1te.&nbsp;<\/p>\n\n\n\n<p>Standardn\u011b b\u00fdv\u00e1 vylou\u010deno pln\u011bn\u00ed v p\u0159\u00edpad\u011b <strong>v\u00fdpov\u011bdi ve zku\u0161ebn\u00ed dob\u011b<\/strong>, ukon\u010den\u00ed zam\u011bstn\u00e1n\u00ed <strong>dohodou zam\u011bstnavatele a zam\u011bstnance<\/strong> nebo v\u00fdpov\u011bdi z d\u016fvodu poru\u0161en\u00ed pracovn\u00edch povinnost\u00ed. Asi tak\u00e9 spr\u00e1vn\u011b tu\u0161\u00edte, \u017ee pokud pod\u00e1te v\u00fdpov\u011b\u010f vy sami, poji\u0161t\u011bn\u00ed v\u00e1m takt\u00e9\u017e nepom\u016f\u017ee.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak funguje poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed v praxi?&nbsp;<\/h2>\n\n\n\n<p>Po p\u0159e\u010dten\u00ed podm\u00ednek, kter\u00e9 mus\u00edte pro n\u00e1rok na pln\u011bn\u00ed dodr\u017eet, v\u00e1m u\u017e asi pomalu doch\u00e1z\u00ed, \u017ee <strong>poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed<\/strong> m\u00e1 velmi omezen\u00e9 vyu\u017eit\u00ed. A\u010dkoliv b\u00fdv\u00e1 <strong>nadbyte\u010dnost<\/strong>, p\u0159\u00edpadn\u011b<strong> jin\u00e1 organiza\u010dn\u00ed zm\u011bna <\/strong>\u010dast\u00fdm d\u016fvodem v\u00fdpov\u011bdi, na \u201cprac\u00e1ku\u201d v pr\u016fm\u011bru pr\u00e1ceschopn\u00ed uchaze\u010di nestr\u00e1v\u00ed tak dlouhou dobu, aby v\u016fbec mohli pln\u011bn\u00ed z\u00edskat. V\u017edy se toti\u017e po\u010d\u00edt\u00e1 s t\u00edm, \u017ee ne\u017eijete z v\u00fdplaty do v\u00fdplaty a alespo\u0148<strong> m\u011bs\u00edc \u010di dva zvl\u00e1dnete ut\u00e1hnout spl\u00e1tky sami<\/strong>.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" 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\/10\/business-concept-dark-haired-anonymous-woman-sitting-table-office-front-serious-mature-human-resources-manager-speaking-about-work-responsibilities-job-interview-1-1.jpg\" alt=\"poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed\" class=\"wp-image-2743\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/10\/business-concept-dark-haired-anonymous-woman-sitting-table-office-front-serious-mature-human-resources-manager-speaking-about-work-responsibilities-job-interview-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/10\/business-concept-dark-haired-anonymous-woman-sitting-table-office-front-serious-mature-human-resources-manager-speaking-about-work-responsibilities-job-interview-1-1-300x200.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/10\/business-concept-dark-haired-anonymous-woman-sitting-table-office-front-serious-mature-human-resources-manager-speaking-about-work-responsibilities-job-interview-1-1-768x512.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/10\/business-concept-dark-haired-anonymous-woman-sitting-table-office-front-serious-mature-human-resources-manager-speaking-about-work-responsibilities-job-interview-1-1-100x67.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2024\/10\/business-concept-dark-haired-anonymous-woman-sitting-table-office-front-serious-mature-human-resources-manager-speaking-about-work-responsibilities-job-interview-1-1-675x450.jpg 675w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed? Lep\u0161\u00ed alternativa<\/h3>\n\n\n\n<p>A\u010dkoliv poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed b\u00fdv\u00e1 zbyte\u010dn\u00e9, zaji\u0161t\u011bn\u00ed <strong>hypot\u00e9ky i klasick\u00e9ho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru<\/strong> pro p\u0159\u00edpad <strong>d\u00e9letrvaj\u00edc\u00edch zdravotn\u00edch obt\u00ed\u017e\u00ed<\/strong> je ale mo\u017en\u00e9 jen doporu\u010dit. Soust\u0159edit byste se v\u0161ak m\u011bli p\u0159edev\u0161\u00edm na<strong> dlouhodob\u00e1 rizika<\/strong> m\u00edsto t\u011bch kr\u00e1tkodob\u00fdch. V p\u0159\u00edpad\u011b<strong> smrti, <\/strong><a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-invalidity-vs-invalidni-duchod-rozdily-a-vyhody-zivotniho-pojisteni\/\"><strong>invalidity<\/strong><\/a><strong> nebo <\/strong><a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-nemoci-jak-a-proc-si-pojistit-zavazna-onemocneni\/\"><strong>z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed<\/strong><\/a> toti\u017e m\u016f\u017ee doj\u00edt k velmi z\u00e1sadn\u00edmu propadu p\u0159\u00edjmu, a to nav\u00edc mnohdy i trval\u00e9ho charakteru. Tato poji\u0161t\u011bn\u00ed jsou standardn\u011b sou\u010d\u00e1st\u00ed v\u00fdhodn\u00fdch bal\u00ed\u010dk\u016f v r\u00e1mci<strong> <\/strong><a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\"><strong>\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/a>. To si m\u016f\u017eete sjednat nez\u00e1visle na bance, u kter\u00e9 m\u00e1te hypot\u00e9ku.\u00a0<\/p>\n\n\n\n<p>S \u017eivotn\u00edm poji\u0161t\u011bn\u00edm, kter\u00e9 si uzav\u0159ete po vlastn\u00ed ose, se poj\u00ed je\u0161t\u011b jedna z\u00e1sadn\u00ed v\u00fdhoda. P\u0159\u00edpadn\u00e9<strong> pln\u011bn\u00ed z v\u00e1mi uzav\u0159en\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed jde na v\u00e1\u0161 \u00fa\u010det<\/strong> a m\u016f\u017eete ho vyu\u017e\u00edt dle libosti. A naopak pln\u011bn\u00ed z bankovn\u00edho poji\u0161t\u011bn\u00ed rovnou <strong>umo\u0159uje v\u00e1\u0161 dluh u banky<\/strong>. Zpravidla je toti\u017e pojistn\u00edkem (tedy sjednavatelem poji\u0161t\u011bn\u00ed) banka, co\u017e tak\u00e9 znamen\u00e1, \u017ee z poji\u0161t\u011bn\u00ed nem\u016f\u017eete sami \u201cvystoupit\u201d.\u00a0<\/p>\n\n\n\n<p>M\u00e1te \u00fav\u011br a \u017e\u00e1dn\u00e9 poji\u0161t\u011bn\u00ed jste si je\u0161t\u011b nesjednali? Zaji\u0161t\u011bn\u00ed v\u0161ech va\u0161ich z\u00e1vazk\u016f i v\u00fdpadku p\u0159\u00edjmu p\u0159i nemoci nebo \u00farazu byste rozhodn\u011b nem\u011bli podcenit. Najd\u011bte tu nejv\u00fdhodn\u011bj\u0161\u00ed pojistku s RIXO.cz!<\/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 has-custom-font-size aligncenter\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"http:\/\/rixo.cz\/pojisteni-zivota\" style=\"background-color:#605db5\" target=\"_blank\" rel=\"noopener\">Srovnat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>O sv\u00e9 zam\u011bstn\u00e1n\u00ed nechce p\u0159ij\u00edt nikdo. V\u00fdpov\u011b\u010f z pr\u00e1ce s sebou p\u0159in\u00e1\u0161\u00ed stres a strach o rodinn\u00e9 finance, a pokud je\u0161t\u011b mus\u00edte spl\u00e1cet \u00fav\u011br, m\u016f\u017ee dom\u00e1c\u00ed atmosf\u00e9ra klesnout na bod mrazu. Pom\u016f\u017ee v\u00e1m poji\u0161t\u011bn\u00ed ztr\u00e1ty zam\u011bstn\u00e1n\u00ed?\u00a0<\/p>\n","protected":false},"author":11,"featured_media":2741,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,14,15,8],"tags":[52,55,30],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2739"}],"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=2739"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2739\/revisions"}],"predecessor-version":[{"id":2744,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2739\/revisions\/2744"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2741"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}