{"id":326,"date":"2022-12-16T15:08:18","date_gmt":"2022-12-16T14:08:18","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=326"},"modified":"2026-08-05T13:43:21","modified_gmt":"2026-08-05T11:43:21","slug":"pruvodce-zivotnim-pojistenim","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pruvodce-zivotnim-pojistenim\/","title":{"rendered":"Pr\u016fvodce \u017eivotn\u00edm poji\u0161t\u011bn\u00edm: 7 ot\u00e1zek, kter\u00e9 si p\u0159ed sjedn\u00e1n\u00edm polo\u017eit"},"content":{"rendered":"\n

Aktualizov\u00e1no 31. 7. 2026<\/em><\/p>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed ve\u0159ejnost st\u00e1le vn\u00edm\u00e1 jako slo\u017eit\u00fd finan\u010dn\u00ed produkt. Do jeho spr\u00e1vn\u00e9ho nastaven\u00ed vstupuje hodn\u011b faktor\u016f. P\u0159edejd\u011bte nej\u010dast\u011bj\u0161\u00edm chyb\u00e1m, kter\u00e9 prov\u00e1z\u00ed jeho sjedn\u00e1n\u00ed! Spole\u010dn\u011b se pod\u00edv\u00e1me na to, jak spr\u00e1vn\u011b postupovat p\u0159i v\u00fdb\u011bru \u017eivotn\u00edho poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n

TIP: V\u00edte, jak se li\u0161\u00ed jednotliv\u00e9 druhy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed? Pod\u00edvejte se na to, jak funguje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/a><\/p>\n\n\n\n

Dobr\u00e1 cena nen\u00ed v\u0161e, co je nutn\u00e9 si u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed pohl\u00eddat. D\u016fle\u017eit\u00e9 je m\u00edt spr\u00e1vn\u011b nastaven\u00e1 v\u0161echna rizika, aby v\u00e1m i va\u0161\u00ed rodin\u011b poji\u0161t\u011bn\u00ed pomohlo. <\/p>\n\n\n\n

Ne\u017e uzav\u0159ete smlouvu<\/strong><\/h2>\n\n\n\n

P\u0159ed t\u00edm, ne\u017e si vyberete \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>, dob\u0159e promyslete, jak\u00e1 je va\u0161e aktu\u00e1ln\u00ed situace a k \u010demu m\u00e1 poji\u0161t\u011bn\u00ed slou\u017eit. P\u0159in\u00e1\u0161\u00edme v\u00e1m sedm ot\u00e1zek, na kter\u00e9 byste si m\u011bli odpov\u011bd\u011bt.<\/p>\n\n\n\n

Jsem single, nebo jsem \u017eivitel rodiny a chci ji zabezpe\u010dit pro p\u0159\u00edpad toho nejhor\u0161\u00edho? <\/strong><\/h3>\n\n\n\n

N\u00e1\u0161 tip: Pokud nem\u00e1te rodinu, nemus\u00edte pojistnou \u010d\u00e1stku v r\u00e1mci poji\u0161t\u011bn\u00ed smrti nastavovat p\u0159\u00edli\u0161 vysoko. Soust\u0159e\u010fte se na jin\u00e1 dlouhodob\u00e1 rizika: invaliditu<\/a>, trval\u00e9 n\u00e1sledky \u00farazu<\/a> nebo z\u00e1va\u017en\u00e1 onemocn\u011bn\u00ed<\/a>. Naopak, kdy\u017e je na v\u00e1s n\u011bkdo finan\u010dn\u011b z\u00e1visl\u00fd, doporu\u010duje se pojistnou \u010d\u00e1stku v poji\u0161t\u011bn\u00ed smrti nastavit ve v\u00fd\u0161i dvou a\u017e t\u0159\u00ed ro\u010dn\u00edch p\u0159\u00edjm\u016f.\u00a0<\/p>\n\n\n\n

Jsem v\u00e1\u0161niv\u00fd sportovec, nebo sportu p\u0159\u00edli\u0161 neholduji?<\/strong><\/h3>\n\n\n\n

N\u00e1\u0161 tip: P\u0159i sportu \u010dasto doch\u00e1z\u00ed k\u00a0\u00faraz\u016fm, proto je u sportovc\u016f vhodn\u00e9 zv\u00e1\u017eit i dal\u0161\u00ed \u00farazov\u00e1 poji\u0161t\u011bn\u00ed<\/a>, jako je denn\u00ed od\u0161kodn\u00e9 \u00farazu nebo hospitalizace z\u00a0d\u016fvodu \u00farazu. Rozhodn\u011b se vyplat\u00ed sjednat i \u00farazov\u00e9 poji\u0161t\u011bn\u00ed pro d\u011bti<\/a>. <\/p>\n\n\n\n

M\u00e1m finan\u010dn\u00ed rezervu? Budu p\u0159i v\u00fdpadku p\u0159\u00edjm\u016f schopen zaplatit b\u011b\u017en\u00e9 v\u00fddaje bez probl\u00e9m\u016f?<\/strong><\/h3>\n\n\n\n

N\u00e1\u0161 tip: Pokud m\u00e1te finan\u010dn\u00ed rezervu, nemus\u00edte \u0159e\u0161it kr\u00e1tkodob\u00fd v\u00fdpadek p\u0159\u00edjm\u016f z\u00a0d\u016fvodu pracovn\u00ed neschopnosti. Sv\u00e9 v\u00fddaje m\u016f\u017eete uhradit z\u00a0t\u00e9to rezervy. Pracovn\u00ed neschopnost ale m\u016f\u017ee trvat v\u00fdrazn\u011b d\u00e9le ne\u017e p\u00e1r t\u00fddn\u016f – prot\u00e1hnout se m\u016f\u017ee i na rok. Sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/a> nap\u0159. od 60. dne m\u016f\u017ee p\u0159edstavovat dobr\u00fd kompromis. <\/p>\n\n\n\n

Ob\u00e1v\u00e1m se z\u00e1va\u017en\u00fdch nemoc\u00ed, proto\u017ee se v m\u00e9 rodin\u011b vyskytly? <\/strong><\/h3>\n\n\n\n

N\u00e1\u0161 tip: Poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed by m\u011bl m\u00edt v\u00a0r\u00e1mci zaji\u0161t\u011bn\u00ed st\u0159edn\u011bdob\u00fdch v\u00fdpadk\u016f p\u0159\u00edjm\u016f sjedn\u00e1no ka\u017ed\u00fd.\u00a0<\/p>\n\n\n\n

Jsem zam\u011bstnanec nebo OSV\u010c? <\/strong><\/h3>\n\n\n\n

N\u00e1\u0161 tip: V p\u0159\u00edpad\u011b pracovn\u00ed neschopnosti dost\u00e1vaj\u00ed zam\u011bstnanci n\u00e1hradu mzdy (tzv. nemocensk\u00e9 d\u00e1vky), tak\u017ee mohou m\u00edt poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti sjedn\u00e1no s ni\u017e\u0161\u00ed denn\u00ed d\u00e1vkou ne\u017e OSV\u010c, kte\u0159\u00ed si nemocensk\u00e9 poji\u0161t\u011bn\u00ed neplat\u00ed.\u00a0<\/p>\n\n\n\n

Pracuji v nebezpe\u010dn\u00e9m provozu nebo v kancel\u00e1\u0159i?<\/strong><\/h3>\n\n\n\n

N\u00e1\u0161 tip: U osob s\u00a0rizikov\u011bj\u0161\u00edm povol\u00e1n\u00edm doporu\u010dujeme nap\u0159\u00edklad pojistit invaliditu i v\u00a0prvn\u00edm stupni, co\u017e k u osob v\u00a0administrativn\u00edch oborech neb\u00fdv\u00e1 v\u017edy nutn\u00e9. Osob\u00e1m s\u00a0rizikov\u011bj\u0161\u00edm povol\u00e1n\u00edm hroz\u00ed \u00faraz \u010dast\u011bji, proto je moudr\u00e9 m\u00edt sjednan\u00e9 adekv\u00e1tn\u00ed \u010d\u00e1stky u \u00farazov\u00fdch rizik. <\/p>\n\n\n\n

M\u00e1m dlouhodob\u00e9 finan\u010dn\u00ed z\u00e1vazky (\u00fav\u011br, hypot\u00e9ku)?<\/strong><\/h3>\n\n\n\n

N\u00e1\u0161 tip: V\u00a0p\u0159\u00edpad\u011b finan\u010dn\u00edch z\u00e1vazk\u016f je vhodn\u00e9 si sjednat tzv. klesaj\u00edc\u00ed pojistnou \u010d\u00e1stku u poji\u0161t\u011bn\u00ed smrti a invalidity. Jak se postupn\u011b sni\u017euje v\u00e1\u0161 dluh, obdobn\u011b kles\u00e1 i pojistn\u00e1 \u010d\u00e1stka. N\u011bkter\u00e9 poji\u0161\u0165ovny nab\u00edzej\u00ed tzv. \u00fav\u011brov\u00e9 bal\u00ed\u010dky, kter\u00e9 zohled\u0148uj\u00ed \u00farok a umo\u0159ov\u00e1n\u00ed \u00fav\u011bru, a\u0165 u\u017e jde o hypot\u00e9ku nebo spot\u0159ebitelsk\u00fd \u00fav\u011br.<\/p>\n\n\n\n

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

P\u0159i sjedn\u00e1n\u00ed myslete na dlouhodob\u00e9 dopady<\/strong><\/h2>\n\n\n\n

Dobr\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed by m\u011blo p\u0159edev\u0161\u00edm pomoci v p\u0159\u00edpad\u011b v\u00e1\u017en\u00fdch a dlouhodob\u00fdch dopad\u016f. T\u011bmi jsou smrt, invalidita, \u00faraz s trval\u00fdmi n\u00e1sledky a v\u00e1\u017en\u00e9 nemoci. Kdy\u017e dojde k t\u011bmto ud\u00e1lostem, d\u016fsledkem je v\u00fdpadek p\u0159\u00edjm\u016f, kter\u00e9 slou\u017e\u00ed k \u00fahrad\u011b b\u011b\u017en\u00fdch \u010di dal\u0161\u00edch v\u00fddaj\u016f. Poji\u0161t\u011bn\u00ed pak pom\u016f\u017ee pokr\u00fdt v\u00fddaje souvisej\u00edc\u00ed s novou \u017eivotn\u00ed situac\u00ed, jako je \u00faprava bydlen\u00ed nebo n\u00e1kup zdravotn\u00edch pom\u016fcek \u010di l\u00e9k\u016f. <\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti<\/strong><\/h2>\n\n\n\n

Podstatou poji\u0161t\u011bn\u00ed je zabezpe\u010den\u00ed bl\u00edzk\u00fdch. Smysl m\u00e1 hlavn\u011b tehdy, pokud jsou na v\u00e1s finan\u010dn\u011b z\u00e1visl\u00ed dal\u0161\u00ed \u010dlenov\u00e9 rodiny: d\u011bti \u010di partner(ka). Prost\u0159edky lze vyu\u017e\u00edt jakkoliv, nap\u0159\u00edklad na zaji\u0161t\u011bn\u00ed poh\u0159bu, b\u011b\u017en\u00e9ho chodu dom\u00e1cnosti po ne\u010dekan\u00e9m v\u00fdpadku p\u0159\u00edjmu nebo na zaplacen\u00ed studia d\u011bt\u00ed na vysok\u00e9 \u0161kole. Toto poji\u0161t\u011bn\u00ed je tak\u00e9 vhodn\u00e9, kdy\u017e m\u00e1te hypot\u00e9ku nebo \u00fav\u011br.<\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad invalidity<\/strong><\/h2>\n\n\n\n

Invalidita se p\u0159izn\u00e1v\u00e1 kv\u016fli omezen\u00ed schopnosti pracovat, a\u0165 u\u017e z\u00a0d\u016fvodu nemoci nebo d\u016fvodu \u00farazu. Nemoci tvo\u0159\u00ed t\u00e9m\u011b\u0159 95 % p\u0159\u00ed\u010din invalidity, \u00farazy jen 5 %. Typick\u00fdmi d\u016fvody pro p\u0159izn\u00e1n\u00ed invalidn\u00edho d\u016fchodu jsou nemoci svalov\u00e9 a kostern\u00ed soustavy, du\u0161evn\u00ed choroby a rakovina.<\/p>\n\n\n\n

Podle z\u00e1va\u017enosti se rozli\u0161uj\u00ed druhy invalidn\u00edho d\u016fchodu a stupn\u011b invalidity. Nejni\u017e\u0161\u00ed je prvn\u00ed stupe\u0148, u n\u011bho se p\u0159edpokl\u00e1d\u00e1 \u010d\u00e1ste\u010dn\u00e1 mo\u017enost pracovat nebo rekvalifikace. U druh\u00e9ho stupn\u011b je omezen\u00ed schopnosti o n\u011bco vy\u0161\u0161\u00ed, v\u011bt\u0161ina osob v\u0161ak m\u016f\u017ee st\u00e1le omezen\u011b pracovat. T\u0159et\u00ed stupe\u0148 je nejvy\u0161\u0161\u00ed a p\u0159izn\u00e1v\u00e1 se u v\u00e1\u017en\u00fdch zdravotn\u00edch posti\u017een\u00ed. U takov\u00fdch osob je n\u00e1vrat do pr\u00e1ce velmi m\u00e1lo pravd\u011bpodobn\u00fd.<\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/strong><\/h2>\n\n\n\n

Trval\u00e9 n\u00e1sledky \u00farazu p\u0159edstavuj\u00ed t\u011blesn\u00e9 po\u0161kozen\u00ed, kter\u00e9 z\u016fstane \u010dlov\u011bku po \u00farazu. Takov\u00e9 po\u0161kozen\u00ed mus\u00ed b\u00fdt uvedeno v\u00a0tabulk\u00e1ch poji\u0161\u0165ovny s\u00a0konkr\u00e9tn\u00edm procentem. Nejt\u011b\u017e\u0161\u00edmi trval\u00fdmi n\u00e1sledky jsou ztr\u00e1ta kon\u010detiny nebo ur\u010dit\u00e9ho org\u00e1nu \u010di smyslu, b\u011b\u017en\u011bj\u0161\u00ed ale b\u00fdv\u00e1 nap\u0159\u00edklad omezen\u00ed hybnosti kloubu nebo funk\u010dn\u00ed omezen\u00ed kon\u010detiny.\u00a0<\/p>\n\n\n\n

Nap\u0159\u00edklad:<\/p>\n\n\n\n