{"id":3222,"date":"2025-04-28T09:49:08","date_gmt":"2025-04-28T07:49:08","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3222"},"modified":"2025-04-28T09:49:10","modified_gmt":"2025-04-28T07:49:10","slug":"nejlepsi-zivotni-pojisteni-jak-ho-najit","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/nejlepsi-zivotni-pojisteni-jak-ho-najit\/","title":{"rendered":"Nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nemus\u00ed znamenat vysokou cenu. Jak ho naj\u00edt?"},"content":{"rendered":"\n<p>Hled\u00e1te to nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro v\u00e1s? Naj\u00edt kvalitn\u00ed a v\u00fdhodnou nab\u00eddku nemus\u00ed b\u00fdt nic slo\u017eit\u00e9ho, kdy\u017e v\u00edte, jak na to. Co sledovat, jak poji\u0161t\u011bn\u00ed vyb\u00edrat a kde vlastn\u011b hledat? V\u0161e v\u00e1m shrneme v tomto \u010dl\u00e1nku.&nbsp;<\/p>\n\n\n\n<p>A\u0165 u\u017e hled\u00e1te \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro sebe nebo va\u0161e d\u011bti, nem\u011bli byste se spokojit s polovi\u010dat\u00fdm \u0159e\u0161en\u00edm a usilovat o z\u00edsk\u00e1n\u00ed t\u00e9 <strong>nejlep\u0161\u00ed nab\u00eddky<\/strong>. Zdrav\u00ed je p\u0159ece nejd\u016fle\u017eit\u011bj\u0161\u00ed! A nem\u00e9n\u011b d\u016fle\u017eit\u00fd je i pocit<strong> finan\u010dn\u00ed stability <\/strong>va\u0161\u00ed dom\u00e1cnosti v p\u0159\u00edpad\u011b, \u017ee v\u00e1s p\u0159epadne <strong>z\u00e1va\u017en\u00e1 nemoc \u010di \u00faraz<\/strong>.\u00a0V\u00edte, \u017ee byste m\u011bli \u017eivotko m\u00edt, ale boj\u00edte se ceny? Tak si rovnou poji\u0161t\u011bn\u00ed srovnejte a zjist\u00edte, \u017ee investice do va\u0161eho zdrav\u00ed nemus\u00ed b\u00fdt v\u016fbec vysok\u00e1.<\/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=\"https:\/\/app.rixo.cz\/pojisteni-zivota\/zadost-zivot\/zakladni-udaje-zivot\" style=\"background-color:#605db5\" target=\"_blank\" rel=\"noopener\">Naj\u00edt nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-by-melo-vypadat-to-nejlepsi-zivotni-pojisteni-pro-vas\">Jak by m\u011blo vypadat to nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro v\u00e1s?&nbsp;<\/h2>\n\n\n\n<p>Jak nastavit \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je pro mnoho lid\u00ed z\u00e1hadou. Nenaraz\u00edte toti\u017e na konkr\u00e9tn\u00ed vod\u00edtka, co by spr\u00e1vn\u00e9 \u017eivotko obsahovat m\u011blo \u010di nem\u011blo. Pravdou je, \u017ee ka\u017ed\u00e1 smlouva <strong>\u017eivotn\u00edho poji\u0161t\u011bn\u00ed je jin\u00e1<\/strong> a nastaven\u00ed pojistky je <strong>\u010dist\u011b individu\u00e1ln\u00ed<\/strong>, stejn\u011b jako d\u016fvody, kter\u00e9 v\u00e1s ke sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed vedou, a\u0165 u\u017e jde t\u0159eba o zaji\u0161t\u011bn\u00ed hypot\u00e9ky, rodiny nebo v\u00e1s samotn\u00fdch.&nbsp;<\/p>\n\n\n\n<p>Tak\u0159ka jedin\u00e9 univerz\u00e1ln\u011b platn\u00e9 doporu\u010den\u00ed spo\u010d\u00edv\u00e1 v tom, \u017ee <strong>\u017eivotn\u00ed poji\u0161t\u011bn\u00ed by m\u011blo kr\u00fdt hlavn\u011b dlouhodob\u00e9 dopady nemoci a \u00farazu. <\/strong>Spr\u00e1vn\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed by m\u011blo obsahovat rizika <strong>smrti<\/strong> (pokud pot\u0159ebujete n\u011bkoho finan\u010dn\u011b zajistit), <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-invalidity-vs-invalidni-duchod-rozdily-a-vyhody-zivotniho-pojisteni\/\"><strong>invalidity<\/strong><\/a>, <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-nemoci-jak-a-proc-si-pojistit-zavazna-onemocneni\/\"><strong>z\u00e1va\u017en\u00fdch nemoc\u00ed<\/strong><\/a> a<strong> <\/strong><a href=\"https:\/\/www.rixo.cz\/blog\/trvale-nasledky-urazu-a-narok-na-plneni\/\"><strong>trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/strong><\/a>. Pojistka tu toti\u017e m\u00e1 b\u00fdt proto, aby v\u00e1m poskytla z\u00e1chrannou s\u00ed\u0165, kdy\u017e jde opravdu \u201cdo tuh\u00e9ho\u201d. Dal\u0161\u00ed <strong>kr\u00e1tkodob\u00e1 rizika<\/strong> (jako denn\u00ed od\u0161kodn\u00e9 za \u00faraz nebo <a href=\"https:\/\/www.rixo.cz\/blog\/nemocenske-pojisteni-a-pracovni-neschopnost-v-zivotku\/\">poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/a>) se hod\u00ed, ale kvalitn\u00ed pojistka se <strong>bez nich obejde<\/strong> &#8211; p\u0159ece jen drobn\u011bj\u0161\u00ed \u00farazy nebo dvout\u00fddenn\u00ed ang\u00ednu dok\u00e1\u017eete pravd\u011bpodobn\u011b bez v\u011bt\u0161\u00edch pot\u00ed\u017e\u00ed p\u0159ekonat. <\/p>\n\n\n\n<p>Ke ka\u017ed\u00e9mu zvolen\u00e9mu riziku je tak\u00e9 t\u0159eba nastavit <strong>odpov\u00eddaj\u00edc\u00ed pojistnou \u010d\u00e1stku<\/strong>, kter\u00e1 bude respektovat finan\u010dn\u00ed <strong>pot\u0159eby rodiny <\/strong>a<strong> rozd\u00edl va\u0161ich p\u0159\u00edjm\u016f a v\u00fddaj\u016f<\/strong> ve chv\u00edli, kdy nebudete moci pracovat. I to je \u010dist\u011b individu\u00e1ln\u00ed faktor, kter\u00fd se uplat\u0148uje p\u0159i nastavov\u00e1n\u00ed poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<p>Samoz\u0159ejm\u011b, \u017ee v\u00fdb\u011br rizik a pojistn\u00fdch \u010d\u00e1stek se <strong>odr\u00e1\u017e\u00ed tak\u00e9 na cen\u011b<\/strong>. A p\u0159iznejme si, \u017ee cena je tak\u00e9 p\u0159i v\u00fdb\u011bru d\u016fle\u017eit\u00fdm faktorem &#8211; i kdy\u017e si vyberete robustn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 ale nebudete schopni <strong>dlouhodob\u011b platit <\/strong>a budete ho muset po p\u00e1r m\u011bs\u00edc\u00edch<strong> kv\u016fli \u00faspor\u00e1m zru\u0161it<\/strong>, nejde o to nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro v\u00e1s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"na-jake-otazky-si-odpovedet-pri-hledani-zivotniho-pojisteni\">Na jak\u00e9 ot\u00e1zky si odpov\u011bd\u011bt p\u0159i hled\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed?&nbsp;<\/h2>\n\n\n\n<p>Cesta k nejlep\u0161\u00edmu \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed pro v\u00e1s v\u017edy vede p\u0159es<strong> zji\u0161t\u011bn\u00ed va\u0161ich pot\u0159eb a mo\u017enost\u00ed<\/strong>. Ujasn\u011bte si, jak by m\u011blo va\u0161e \u017eivotko vypadat d\u00edky t\u011bmto ot\u00e1zk\u00e1m:&nbsp;<\/p>\n\n\n\n<ul>\n<li>Pot\u0159ebuji n\u011bkoho<strong> finan\u010dn\u011b zajistit <\/strong>v p\u0159\u00edpad\u011b, \u017ee by se mi n\u011bco stalo?<\/li>\n\n\n\n<li>M\u00e1m finan\u010dn\u00ed <strong>z\u00e1vazky jako \u00fav\u011br \u010di hypot\u00e9ku<\/strong>?<\/li>\n\n\n\n<li>Jak z\u00e1va\u017en\u011b m\u011b postihne <strong>sn\u00ed\u017een\u00fd p\u0159\u00edjem v p\u0159\u00edpad\u011b invalidity<\/strong>?\u00a0<\/li>\n\n\n\n<li>M\u00e1m finan\u010dn\u00ed rezervu, kterou bych mohl vyu\u017e\u00edt na pokryt\u00ed b\u011b\u017en\u00fdch n\u00e1klad\u016f v p\u0159\u00edpad\u011b <strong>dlouhodob\u00e9, ale i kr\u00e1tkodob\u00e9 nemoci \u010di \u00farazu<\/strong>?<\/li>\n\n\n\n<li>Jak\u00e9 <strong>m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9<\/strong> si mohu dovolit platit?\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Od odpov\u011bd\u00ed na tyto ot\u00e1zky se odv\u00edj\u00ed z\u00e1kladn\u00ed nastaven\u00ed va\u0161eho \u017eivotn\u00edho nebo \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed, nem\u00e9n\u011b d\u016fle\u017eit\u00e9 ale budou tak\u00e9 vstupn\u00ed \u00fadaje o v\u00e1s. V\u011bzte, \u017ee podstatnou roli p\u0159i nastavov\u00e1n\u00ed poji\u0161t\u011bn\u00ed a v\u00fdsledn\u00fdch cenov\u00fdch nab\u00eddk\u00e1ch hraje <strong>v\u011bk, va\u0161e povol\u00e1n\u00ed a provozovan\u00e9 sporty nebo zdravotn\u00ed stav a \u017eivotn\u00ed styl<\/strong>. Tyto \u00fadaje mohou hr\u00e1t ve v\u00e1\u0161 prosp\u011bch i v neprosp\u011bch &#8211; kouzlo \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je ale v tom, \u017ee ka\u017ed\u00e1 poji\u0161\u0165ovna p\u0159istupuje k r\u016fzn\u00fdm skupin\u00e1m klient\u016f jinak. Kdy\u017e v\u00e1s jedna poji\u0161\u0165ovna <strong>odm\u00edtne pojistit <\/strong>nebo v\u00e1m k nab\u00eddce p\u0159i\u010dte <strong>nesmyslnou p\u0159ir\u00e1\u017eku<\/strong>, rozhodn\u011b to neznamen\u00e1, \u017ee nem\u016f\u017eete m\u00edt <strong>kvalitn\u00ed a st\u00e1le v\u00fdhodn\u00e9 poji\u0161t\u011bn\u00ed <\/strong>jinde.\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\/2025\/03\/medium-shot-parents-working-remotely-1-1.jpg\" alt=\"nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed\" class=\"wp-image-3225\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/03\/medium-shot-parents-working-remotely-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/03\/medium-shot-parents-working-remotely-1-1-300x200.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/03\/medium-shot-parents-working-remotely-1-1-768x512.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/03\/medium-shot-parents-working-remotely-1-1-100x67.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/03\/medium-shot-parents-working-remotely-1-1-675x450.jpg 675w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-najit-to-nejlepsi-zivotni-pojisteni-prave-pro-vas\">Jak naj\u00edt to nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pr\u00e1v\u011b pro v\u00e1s?<\/h2>\n\n\n\n<p>\u017divotko, kter\u00e9 bude odpov\u00eddat va\u0161im p\u0159edstav\u00e1m o <strong>kryt\u00ed i v\u00fd\u0161i pojistn\u00e9ho<\/strong>, nemus\u00ed b\u00fdt utopie. Nejpohodln\u011bj\u0161\u00ed a nejrychlej\u0161\u00ed cestu k z\u00edsk\u00e1n\u00ed nab\u00eddek na m\u00edru v\u00e1m nab\u00edz\u00ed <a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\"><strong>online srovn\u00e1n\u00ed \u017eivotn\u00edho a \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed<\/strong><\/a>. Nepot\u0159ebujete tedy tr\u00e1vit \u010das na pobo\u010dk\u00e1ch poji\u0161\u0165oven nebo si domlouvat sch\u016fzky s poji\u0161\u0165ovac\u00edmi poradci &#8211; srovn\u00e1n\u00ed online zvl\u00e1dnete i na mobilu b\u011bhem <strong>p\u00e1r minutek<\/strong>, kdy \u010dek\u00e1te na autobus.&nbsp;<\/p>\n\n\n\n<p>Cena <strong>kvalitn\u00edch \u017eivotn\u00edch pojistek<\/strong> za\u010d\u00edn\u00e1 <strong>u\u017e na 600 K\u010d m\u011bs\u00ed\u010dn\u011b<\/strong>,<strong> \u00farazov\u00e9 poji\u0161t\u011bn\u00ed<\/strong> m\u00edv\u00e1 pojistn\u00e9<strong> je\u0161t\u011b ni\u017e\u0161\u00ed<\/strong>. A nezapome\u0148te, \u017ee \u010d\u00edm d\u0159\u00edve si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed sjedn\u00e1te, t\u00edm v\u00fdhodn\u011bj\u0161\u00ed cenu z\u00edsk\u00e1te &#8211; a to nav\u017edy.&nbsp;<\/p>\n\n\n\n<p>Tak se na to rovnou vrhn\u011bte na webu RIXO.cz nebo v mobiln\u00ed aplikaci RIXO &#8211; jedin\u00e9m srovn\u00e1va\u010di, kter\u00fd v\u00e1m nab\u00eddne srovn\u00e1n\u00ed \u017eivotn\u00edho a \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed online. To nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro v\u00e1s najdete b\u011bhem chvilky!<\/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=\"https:\/\/app.rixo.cz\/pojisteni-zivota\/zadost-zivot\/zakladni-udaje-zivot\" 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>Hled\u00e1te to nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro v\u00e1s? Naj\u00edt kvalitn\u00ed a v\u00fdhodnou nab\u00eddku nemus\u00ed b\u00fdt nic slo\u017eit\u00e9ho, kdy\u017e v\u00edte, jak na to. Co sledovat, jak poji\u0161t\u011bn\u00ed vyb\u00edrat a kde vlastn\u011b hledat? V\u0161e v\u00e1m shrneme v tomto \u010dl\u00e1nku.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":3224,"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\/3222"}],"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=3222"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3222\/revisions"}],"predecessor-version":[{"id":3227,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3222\/revisions\/3227"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3224"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3222"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}