{"id":3309,"date":"2025-05-29T09:51:43","date_gmt":"2025-05-29T07:51:43","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3309"},"modified":"2025-05-29T09:51:46","modified_gmt":"2025-05-29T07:51:46","slug":"pojisteni-pro-pripad-smrti","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-pro-pripad-smrti\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti: Jak funguje a komu se vypl\u00e1c\u00ed pen\u00edze z \u017eivotn\u00ed pojistky?\u00a0"},"content":{"rendered":"\n<p>Poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti \u010di zkr\u00e1cen\u011b poji\u0161t\u011bn\u00ed smrti je ned\u00edlnou sou\u010d\u00e1st\u00ed ka\u017ed\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. V\u00edte, k \u010demu takov\u00e9 poji\u0161t\u011bn\u00ed slou\u017e\u00ed, jak\u00e9 m\u00e1 podm\u00ednky a jak se vypl\u00e1c\u00ed pln\u011bn\u00ed, kdy\u017e poji\u0161t\u011bn\u00fd zem\u0159e? V\u0161e, co mus\u00edte v\u011bd\u011bt, zjist\u00edte v tomto \u010dl\u00e1nku.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Co se v \u010dl\u00e1nku dozv\u00edte?<\/h2><nav><ul><li class=\"\"><a href=\"#k-cemu-slouzi-pojisteni-pro-pripad-smrti\">K \u010demu slou\u017e\u00ed poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti?\u00a0<\/a><\/li><li class=\"\"><a href=\"#jak-funguje-pojisteni-pro-pripad-smrti\">Jak funguje poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti?\u00a0<\/a><\/li><li class=\"\"><a href=\"#na-co-se-pojisteni-smrti-nevztahuje\">Na co se poji\u0161t\u011bn\u00ed smrti nevztahuje?<\/a><\/li><li class=\"\"><a href=\"#jak-se-vyplaci-plneni-z-pojisteni-pro-pripad-smrti\">Jak se vypl\u00e1c\u00ed pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti?\u00a0<\/a><\/li><li class=\"\"><a href=\"#jaka-je-cena-pojisteni-pro-pripad-smrti\">Jak\u00e1 je cena poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti?\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti je jednou ze \u010dty\u0159 hlavn\u00edch polo\u017eek, kter\u00e1 by se spole\u010dn\u011b s <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-invalidity-vs-invalidni-duchod-rozdily-a-vyhody-zivotniho-pojisteni\/\">poji\u0161t\u011bn\u00edm invalidity<\/a>, <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-nemoci-jak-a-proc-si-pojistit-zavazna-onemocneni\/\">poji\u0161t\u011bn\u00edm z\u00e1va\u017en\u00fdch nemoc\u00ed<\/a> a <a href=\"https:\/\/www.rixo.cz\/blog\/trvale-nasledky-urazu-a-narok-na-plneni\/\">poji\u0161t\u011bn\u00edm trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/a> m\u011bla objevit na ka\u017ed\u00e9 kvalitn\u00ed smlouv\u011b \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. Ostatn\u011b<strong> sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed smrti <\/strong>(nemoc\u00ed i \u00farazem) je <strong>z\u00e1konem po\u017eadov\u00e1no<\/strong>, pokud m\u00e1 j\u00edt skute\u010dn\u011b o \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"k-cemu-slouzi-pojisteni-pro-pripad-smrti\">K \u010demu slou\u017e\u00ed poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti?&nbsp;<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti v r\u00e1mci <a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\">\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> slou\u017e\u00ed k finan\u010dn\u00edmu zaji\u0161t\u011bn\u00ed <strong>z\u00e1vazk\u016f \u010di jin\u00fdch osob<\/strong> po \u00famrt\u00ed poji\u0161t\u011bn\u00e9ho. Jin\u00fdmi slovy, poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti se hod\u00ed m\u00edt nap\u0159\u00edklad ve chv\u00edli, kdy m\u00e1te<strong> hypot\u00e9ku \u010di jin\u00fd \u00fav\u011br <\/strong>a nechcete, aby nemovitost musela spl\u00e1cet rodina, kdyby se v\u00e1m n\u011bco stalo. Nebo t\u0159eba v p\u0159\u00edpad\u011b, \u017ee je na v\u00e1s <strong>finan\u010dn\u011b z\u00e1visl\u00fd man\u017eel\/partner a d\u011bti<\/strong>, co zat\u00edm nejsou v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9. Pro \u017eivitele rodin je poji\u0161t\u011bn\u00ed smrti mo\u017en\u00e9 jen doporu\u010dit.&nbsp;<\/p>\n\n\n\n<p>Kdy v\u00e1s naopak poji\u0161t\u011bn\u00ed smrti p\u0159\u00edli\u0161 zaj\u00edmat nemus\u00ed? Pokud nem\u00e1te z\u00e1vazky ani \u010dleny rodiny, kte\u0159\u00ed by po va\u0161em \u00famrt\u00ed finan\u010dn\u011b str\u00e1dali, nemus\u00edte poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti p\u0159\u00edli\u0161 \u0159e\u0161it. Vysta\u010d\u00edte si se <strong>z\u00e1kladn\u00ed pojistnou \u010d\u00e1stkou<\/strong>, kter\u00e1 se u tohoto rizika m\u016f\u017ee pohybovat v rozmez\u00ed <strong>30-50 000 K\u010d<\/strong>. V\u00edce pozornosti pak m\u016f\u017eete v\u011bnovat rizik\u016fm, kter\u00e1 se v\u00e1s mohou dotknout za \u017eivota &#8211; t\u0159eba invalidit\u011b nebo z\u00e1va\u017en\u00fdm onemocn\u011bn\u00edm.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-funguje-pojisteni-pro-pripad-smrti\">Jak funguje poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti?&nbsp;<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti v rizikov\u00e9m \u017eivotn\u00edm poji\u0161t\u011bn\u00ed existuje ve dvou variant\u00e1ch &#8211; m\u016f\u017ee j\u00edt o <strong>smrt \u00farazem <\/strong>(\u00farazov\u00e1 varianta) nebo <strong>smrt ze v\u0161ech p\u0159\u00ed\u010din<\/strong>, tedy z d\u016fvodu \u00farazu i nemoci (\u017eivotn\u00ed varianta). Poji\u0161t\u011bn\u00ed smrti v obou variant\u00e1ch pak pokr\u00fdv\u00e1 riziko \u00famrt\u00ed<strong> do zvolen\u00e9ho konce pojistn\u00e9 smlouvy<\/strong>. Nej\u010dast\u011bji se konec poji\u0161t\u011bn\u00ed nastavuje na <strong>65 let v\u011bku<\/strong>, ov\u0161em pokud chcete, m\u016f\u017eete si sjednat poji\u0161t\u011bn\u00ed s ochranou trvaj\u00edc\u00ed t\u0159eba a\u017e do<strong> 85 let<\/strong>.&nbsp;<\/p>\n\n\n\n<p>P\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed smrti v\u00e1s nemine tak\u00e9 <strong>ur\u010den\u00ed pojistn\u00e9 \u010d\u00e1stky<\/strong> &#8211; tedy v\u00fd\u0161e jednor\u00e1zov\u00e9ho pln\u011bn\u00ed, kter\u00e9 se vyplat\u00ed ur\u010den\u00fdm osob\u00e1m. Aby to nebylo tak jednoduch\u00e9, sjedn\u00e1vaj\u00ed se kombinace <strong>konstantn\u00edch a klesaj\u00edc\u00edch \u010d\u00e1stek<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Co to znamen\u00e1? <strong>Konstantn\u00ed \u010d\u00e1stka<\/strong> z\u016fst\u00e1v\u00e1 po celou dobu poji\u0161t\u011bn\u00ed <strong>stejn\u00e1<\/strong>, zat\u00edmco <strong>klesaj\u00edc\u00ed \u010d\u00e1stka<\/strong> se v pr\u016fb\u011bhu trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed <strong>postupn\u011b sni\u017euje<\/strong>. V p\u0159\u00edpad\u011b, \u017ee m\u00e1 pojistka kr\u00fdt hypot\u00e9ku \u010di jin\u00e9 finan\u010dn\u00ed z\u00e1vazky, vyplat\u00ed se nastavit ur\u010ditou konstantn\u00ed \u010d\u00e1stku k zaji\u0161t\u011bn\u00ed bl\u00edzk\u00fdch osob (nap\u0159\u00edklad odpov\u00eddaj\u00edc\u00ed va\u0161im ro\u010dn\u00edm p\u0159\u00edjm\u016fm \u010di v\u00fddaj\u016fm) a k tomu klesaj\u00edc\u00ed \u010d\u00e1stku nastavit <strong>podle zb\u00fdvaj\u00edc\u00edho dluhu<\/strong>. D\u00edky nastaven\u00ed klesaj\u00edc\u00ed \u010d\u00e1stky va\u0161e pojistka <strong>kop\u00edruje tempo spl\u00e1cen\u00ed \u00fav\u011bru<\/strong> a z\u00e1rove\u0148 je tak\u00e9 d\u00edky n\u00ed <strong>poji\u0161t\u011bn\u00ed levn\u011bj\u0161\u00ed<\/strong>, ne\u017e kdybyste si v poji\u0161t\u011bn\u00ed nastavili celou \u010d\u00e1stku jako konstantn\u00ed nad r\u00e1mec nutn\u00e9ho pokryt\u00ed z\u00e1vazku.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"na-co-se-pojisteni-smrti-nevztahuje\">Na co se poji\u0161t\u011bn\u00ed smrti nevztahuje?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed smrti pokr\u00fdv\u00e1 \u0161irok\u00e9 spektrum p\u0159\u00ed\u010din \u00famrt\u00ed, ov\u0161em najdou se tak\u00e9 v\u00fdjimky, na kter\u00e9 se poji\u0161t\u011bn\u00ed nevztahuje. Mezi obecn\u00e9 v\u00fdluky pat\u0159\u00ed nap\u0159\u00edklad <strong>\u00famrt\u00ed v souvislosti s p\u00e1ch\u00e1n\u00edm trestn\u00e9 \u010dinnosti<\/strong>, <strong>pod vlivem alkoholu \u010di drog<\/strong>, v souvislosti s <strong>v\u00e1le\u010dn\u00fdm konfliktem a teroristick\u00fdm \u00fatokem<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed se nevztahuje ani na \u00famrt\u00ed z p\u0159\u00ed\u010din, kter\u00e9 byly zn\u00e1m\u00e9 ji\u017e p\u0159ed vstupem do poji\u0161t\u011bn\u00ed (nap\u0159. onkologick\u00e1 nebo kardiovaskul\u00e1rn\u00ed onemocn\u011bn\u00ed) &#8211; zkr\u00e1tka jak\u00e9koliv p\u0159edchoz\u00ed z\u00e1va\u017en\u011bj\u0161\u00ed zdravotn\u00ed pot\u00ed\u017ee budou z pln\u011bn\u00ed vylou\u010deny. Obecn\u011b tak\u00e9 v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed plat\u00ed, \u017ee je z pln\u011bn\u00ed vylou\u010deno <strong>\u00famysln\u00e9 sebepo\u0161kozuj\u00edc\u00ed jedn\u00e1n\u00ed<\/strong>, jako by bylo t\u0159eba z\u00e1m\u011brn\u00e9 zlomen\u00ed ruky &#8211; <strong>speci\u00e1ln\u00ed re\u017eim <\/strong>ale plat\u00ed u<strong> sebevra\u017edy<\/strong>. Tu drtiv\u00e1 v\u011bt\u0161ina poji\u0161\u0165oven kryje, ov\u0161em je nutn\u00e9 po\u010d\u00edtat s \u010dekac\u00ed dobou <strong>2 roky od po\u010d\u00e1tku poji\u0161t\u011bn\u00ed<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-se-vyplaci-plneni-z-pojisteni-pro-pripad-smrti\">Jak se vypl\u00e1c\u00ed pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti?&nbsp;<\/h2>\n\n\n\n<p>Zat\u00edmco pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed <strong>invalidity<\/strong>, <strong>z\u00e1va\u017en\u00fdch nemoc\u00ed <\/strong>a v\u0161ech <strong>ostatn\u00edch rizik<\/strong> putuje p\u0159\u00edmo k <strong>poji\u0161t\u011bn\u00e9 osob\u011b<\/strong>, v p\u0159\u00edpad\u011b <strong>smrti poji\u0161t\u011bn\u00e9ho<\/strong> se pojistn\u00e9 pln\u011bn\u00ed vypl\u00e1c\u00ed <strong>osob\u011b obmy\u0161len\u00e9<\/strong>. Kdo to je? M\u016f\u017ee j\u00edt o jakoukoliv osobu, kterou si p\u0159i sjedn\u00e1n\u00ed smlouvy ur\u010d\u00edte. Obmy\u0161lenou osobu je mo\u017en\u00e9 <strong>ur\u010dit jm\u00e9nem<\/strong>, nebo <strong>nap\u0159\u00edklad vztahem<\/strong> (man\u017eel, partner, d\u00edt\u011b apod.). Zl\u00ed jazykov\u00e9 zde mohou nam\u00edtnout, \u017ee man\u017eel se m\u016f\u017ee v pr\u016fb\u011bhu \u017eivota zm\u011bnit &#8211; a to t\u0159eba i n\u011bkolikr\u00e1t, ov\u0161em pravdou je, \u017ee <strong>ur\u010den\u00ed jm\u00e9nem poskytuje vy\u0161\u0161\u00ed jistotu<\/strong> v\u0161em. A nebojte se, obmy\u0161lenou osobu je mo\u017en\u00e9 kdykoliv v pr\u016fb\u011bhu poji\u0161t\u011bn\u00ed<strong> bez probl\u00e9mu zm\u011bnit<\/strong>.<\/p>\n\n\n\n<p>A co kdy\u017e skute\u010dn\u011b dojde na pojistnou ud\u00e1lost? Hl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti se <strong>neobejde bez \u00famrtn\u00edho listu a zdravotn\u00ed dokumentace<\/strong>, kter\u00e1 prok\u00e1\u017ee, \u017ee k \u00famrt\u00ed do\u0161lo z p\u0159\u00ed\u010din kryt\u00fdch poji\u0161t\u011bn\u00edm. \u017divotn\u00ed poji\u0161t\u011bn\u00ed nicm\u00e9n\u011b <strong>nevstupuje do d\u011bdick\u00e9ho \u0159\u00edzen\u00ed<\/strong> a od not\u00e1\u0159e se o smlouv\u011b nikdo nedozv\u00ed. Obmy\u0161len\u00e1 osoba se mus\u00ed <strong>poji\u0161\u0165ovn\u011b o pln\u011bn\u00ed hl\u00e1sit<\/strong> a je proto ide\u00e1ln\u00ed, pokud jste ji o existenci va\u0161\u00ed pojistn\u00e9 smlouvy informovali. P\u0159\u00edpadn\u011b tak\u00e9 obmy\u0161len\u00e1 osoba m\u016f\u017ee k dohled\u00e1n\u00ed p\u0159\u00edpadn\u00e9 pojistn\u00e9 smlouvy vyu\u017e\u00edt<strong> formul\u00e1\u0159 <\/strong><a href=\"https:\/\/www.cap.cz\/dohledani-obmyslene-osoby\" target=\"_blank\" rel=\"noopener\"><strong>\u010cesk\u00e9 asociace poji\u0161\u0165oven<\/strong><\/a>.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"864\" height=\"841\" 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\/05\/image.png\" alt=\"poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti\" class=\"wp-image-3312\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/image.png 864w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/image-300x292.png 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/image-768x748.png 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/image-100x97.png 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/05\/image-462x450.png 462w\" data-sizes=\"(max-width: 864px) 100vw, 864px\" \/><figcaption class=\"wp-element-caption\">Formul\u00e1\u0159 \u010cAP<\/figcaption><\/figure>\n\n\n\n<p>Obecn\u011b ale m\u016f\u017eeme poznamenat, \u017ee o poji\u0161t\u011bn\u00ed byste sv\u00e9 bl\u00edzk\u00e9 rozhodn\u011b m\u011bli informovat &#8211; pokud by je ani nenapadlo, \u017ee n\u011bjakou pojistku maj\u00ed hledat, <strong>zbyte\u010dn\u011b byste za poji\u0161t\u011bn\u00ed dlouh\u00e1 l\u00e9ta platili<\/strong> a <strong>pen\u00edze by pak propadly poji\u0161\u0165ovn\u011b<\/strong>. \u017d\u00e1dn\u00e9 p\u0159ekvapen\u00ed proto rad\u011bji budouc\u00edm poz\u016fstal\u00fdm, kter\u00e9 chcete t\u00edmto zp\u016fsobem \u201cobdarovat\u201d, nechystejte.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jaka-je-cena-pojisteni-pro-pripad-smrti\">Jak\u00e1 je cena poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti?&nbsp;<\/h2>\n\n\n\n<p>Pokud p\u0159em\u00fd\u0161l\u00edte o sjedn\u00e1n\u00ed \u017eivotn\u00ed pojistky a zaj\u00edm\u00e1 v\u00e1s hlavn\u011b zaji\u0161t\u011bn\u00ed na riziko smrti, m\u00e1me pro v\u00e1s dobrou zpr\u00e1vu &#8211; jde<strong> o jedno z nejlevn\u011bj\u0161\u00edch rizik<\/strong>, za kter\u00e9 m\u016f\u017eete m\u011bs\u00ed\u010dn\u011b zaplatit doslova jen <strong>p\u00e1r korun<\/strong>. Cenu ov\u0161em ovliv\u0148uje hned n\u011bkolik faktor\u016f, respektive \u00fadaj\u016f, kter\u00e9 uvedete p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<p>&nbsp;Cenu samoz\u0159ejm\u011b ur\u010duje <strong>v\u00fd\u0161e pojistn\u00e9 \u010d\u00e1stky<\/strong> &#8211; z\u00e1kladn\u00ed tarif s pojistnou \u010d\u00e1stkou 50 000 K\u010d logicky stoj\u00ed m\u00e9n\u011b pen\u011bz ne\u017e pojistka s pln\u011bn\u00edm ve v\u00fd\u0161i 2 milion\u016f korun. D\u00e1le cena poji\u0161t\u011bn\u00ed z\u00e1vis\u00ed na<strong> rizikovosti poji\u0161t\u011bn\u00e9ho<\/strong>, nebo jinak \u0159e\u010deno pravd\u011bpodobnosti, \u017ee dojde k pojistn\u00e9 ud\u00e1losti. Plat\u00ed zde jednoduch\u00e1 \u00fam\u011bra: <strong>\u010d\u00edm vy\u0161\u0161\u00ed riziko, t\u00edm vy\u0161\u0161\u00ed cena<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Pod\u00edvejte se, jak cenu poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti ovliv\u0148uje u\u017e jen samotn\u00fd v\u011bk p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed. Vzorovou kalkulaci poji\u0161t\u011bn\u00ed do 65 let v\u011bku se sou\u010dtem pojistn\u00fdch \u010d\u00e1stek ve v\u00fd\u0161i 1 000 000 K\u010d najdete n\u00ed\u017ee.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>V\u011bk vstupu do poji\u0161t\u011bn\u00ed<\/strong><\/td><td><strong>30 let<\/strong><\/td><td><strong>35 let<\/strong><\/td><td><strong>40 let<\/strong><\/td><td><strong>45 let<\/strong><\/td><\/tr><tr><td>M\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 za konstantn\u00ed \u010d\u00e1stku 350 000 K\u010d&nbsp;<\/td><td>53 K\u010d<\/td><td>66 K\u010d<\/td><td>77 K\u010d<\/td><td>109 K\u010d<\/td><\/tr><tr><td>M\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 za klesaj\u00edc\u00ed \u010d\u00e1stku 650 000 K\u010d<\/td><td>52 K\u010d<\/td><td>79 K\u010d<\/td><td>114 K\u010d<\/td><td>169 K\u010d<\/td><\/tr><tr><td><strong>Celkem m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 za P\u010c 1 000 000 K\u010d<\/strong><\/td><td><strong>105 K\u010d<\/strong><\/td><td><strong>145 K\u010d<\/strong><\/td><td><strong>191 K\u010d<\/strong><\/td><td><strong>278 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Vy\u0161\u0161\u00ed v\u011bk, rizikov\u00e1 povol\u00e1n\u00ed \u010di sporty<\/strong> nebo <strong>prod\u011blan\u00e9 z\u00e1va\u017en\u00e9 choroby <\/strong>a v neposledn\u00ed \u0159ad\u011b i <strong>\u017eivotn\u00ed styl<\/strong> (kou\u0159en\u00ed \u010di nadm\u011brn\u00e1 konzumace alkoholu) tedy znamenaj\u00ed <strong>vy\u0161\u0161\u00ed pojistn\u00e9<\/strong>. Neznamen\u00e1 to ale, \u017ee pokud se v\u00e1s n\u011bkter\u00fd z t\u011bchto faktor\u016f t\u00fdk\u00e1, nem\u016f\u017eete z\u00edskat v\u00fdhodnou nab\u00eddku &#8211; ka\u017ed\u00e1 poji\u0161\u0165ovna posuzuje rizikovost klient\u016f jinak.&nbsp;<\/p>\n\n\n\n<p>A pr\u00e1v\u011b proto je ide\u00e1ln\u00ed si <strong>srovnat rovnou n\u011bkolik nab\u00eddek<\/strong> r\u016fzn\u00fdch poji\u0161\u0165oven mezi sebou a hlavn\u011b p\u0159\u00edli\u0161 dlouho ne\u010dekat, abyste si mohli zajistit tu<strong> nejv\u00fdhodn\u011bj\u0161\u00ed cenu<\/strong> a <strong>nejlep\u0161\u00ed pojistnou ochranu<\/strong> z\u00e1rove\u0148!&nbsp;<\/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>Poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti \u010di zkr\u00e1cen\u011b poji\u0161t\u011bn\u00ed smrti je ned\u00edlnou sou\u010d\u00e1st\u00ed ka\u017ed\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. V\u00edte, k \u010demu takov\u00e9 poji\u0161t\u011bn\u00ed slou\u017e\u00ed, jak\u00e9 m\u00e1 podm\u00ednky a jak se vypl\u00e1c\u00ed pln\u011bn\u00ed, kdy\u017e poji\u0161t\u011bn\u00fd zem\u0159e? V\u0161e, co mus\u00edte v\u011bd\u011bt, zjist\u00edte v tomto \u010dl\u00e1nku.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":3311,"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\/3309"}],"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=3309"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3309\/revisions"}],"predecessor-version":[{"id":3335,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3309\/revisions\/3335"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3311"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3309"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3309"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3309"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}