{"id":3405,"date":"2025-06-30T10:00:56","date_gmt":"2025-06-30T08:00:56","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3405"},"modified":"2025-06-30T10:00:59","modified_gmt":"2025-06-30T08:00:59","slug":"zivotni-pojisteni-insolvence","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/zivotni-pojisteni-insolvence\/","title":{"rendered":"Jak ovliv\u0148uje va\u0161e \u017eivotn\u00ed poji\u0161t\u011bn\u00ed insolvence? I p\u0159i oddlu\u017een\u00ed se m\u016f\u017eete pojistit"},"content":{"rendered":"\n

Oddlu\u017een\u00ed m\u016f\u017ee b\u00fdt v mnoha p\u0159\u00edpadech jedinou z\u00e1chranou, kdy\u017e se ocitnete ve v\u00e1\u017en\u00e9 finan\u010dn\u00ed t\u00edsni. M\u00e1 ale dopady, kter\u00e9 v\u00e1s zprvu ani nenapadnou. Jak\u00fd v\u00fdznam m\u00e1 pro va\u0161e \u017eivotn\u00ed poji\u0161t\u011bn\u00ed insolvence a jak funguje v takov\u00e9m p\u0159\u00edpad\u011b v\u00fdplata pln\u011bn\u00ed nebo sjedn\u00e1n\u00ed nov\u00e9 pojistn\u00e9 smlouvy? <\/p>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a> tvo\u0159\u00ed jeden z pil\u00ed\u0159\u016f finan\u010dn\u00ed zodpov\u011bdnosti<\/strong>. Dob\u0159e poslou\u017e\u00ed, kdy\u017e nebudete moci finan\u010dn\u011b zajistit sebe a svou rodinu vlastn\u00edmi silami z d\u016fvodu zdravotn\u00edch pot\u00ed\u017e\u00ed – t\u0159eba kv\u016fli z\u00e1va\u017en\u00e9 nemoci nebo \u00farazu<\/strong>. Kdy\u017e ale vstoup\u00edte do oddlu\u017een\u00ed t\u0159eba kv\u016fli nakupen\u00fdm p\u016fj\u010dk\u00e1m, kter\u00e9 u\u017e nedok\u00e1\u017eete spl\u00e1cet, se sjedn\u00e1n\u00edm \u017eivotka to u\u017e nemus\u00ed b\u00fdt tak jednoduch\u00e9. <\/p>\n\n\n\n

Jak ovliv\u0148uje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed insolvence?<\/h2>\n\n\n\n

Pokud teprve o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed p\u0159em\u00fd\u0161l\u00edte, ale proch\u00e1z\u00edte procesem oddlu\u017een\u00ed<\/strong> (vyhl\u00e1sili jste takzvan\u00fd \u201cosobn\u00ed bankrot\u201d<\/strong>), po\u010d\u00edtejte s t\u00edm, \u017ee p\u0159i nastavov\u00e1n\u00ed poji\u0161t\u011bn\u00ed a uzav\u00edr\u00e1n\u00ed samotn\u00e9 smlouvy se proces sjedn\u00e1v\u00e1n\u00ed trochu odch\u00fdl\u00ed od klasick\u00e9ho b\u011bhu v\u011bc\u00ed. <\/p>\n\n\n\n

Jak na sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed v insolvenci? <\/h3>\n\n\n\n

V oddlu\u017een\u00ed se v\u00e1\u0161 p\u0159\u00edjem rozd\u011bl\u00ed na spl\u00e1tku va\u0161eho dluhu<\/strong>, kterou ur\u010d\u00ed v\u00e1\u0161 insolven\u010dn\u00ed spr\u00e1vce, a m\u011bs\u00ed\u010dn\u00ed nezabavitelnou \u010d\u00e1stku<\/strong> – ta mus\u00ed b\u00fdt v roce 2025 minim\u00e1ln\u011b ve v\u00fd\u0161i 13 027 K\u010d. S nezabavenou \u010d\u00e1st\u00ed p\u0159\u00edjmu dle z\u00e1kona m\u016f\u017eete nakl\u00e1dat podle libosti a platit z n\u011bj m\u016f\u017eete tak\u0159ka cokoliv, a to v\u010detn\u011b sv\u00e9ho \u017eivotn\u00edho nebo \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed. <\/p>\n\n\n\n

V poji\u0161\u0165ovn\u00e1ch je nicm\u00e9n\u011b insolvence potenci\u00e1ln\u00edho klienta faktorem, kter\u00fd m\u016f\u017ee rozhodnout o tom, zda se v\u00e1m v\u016fbec pojistku poda\u0159\u00ed sjednat<\/strong>. N\u011bkter\u00e9 zam\u00edtnou sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed ihned, jin\u00e9 budou po\u017eadovat vyj\u00e1d\u0159en\u00ed insolven\u010dn\u00edho spr\u00e1vce<\/strong> a individu\u00e1ln\u011b zhodnot\u00ed p\u0159ijet\u00ed do poji\u0161t\u011bn\u00ed nap\u0159\u00edklad podle toho, jak pln\u00edte spl\u00e1tkov\u00fd kalend\u00e1\u0159 a jakou m\u00e1te platebn\u00ed mor\u00e1lku. A tak\u00e9 se m\u016f\u017ee st\u00e1t, \u017ee poji\u0161\u0165ovna klient\u016fm v insolvenci tak\u00e9 omez\u00ed maxim\u00e1ln\u00ed pojistn\u00e9 \u010d\u00e1stky<\/strong>, kter\u00e9 lze sjednat, a zastropuje t\u0159eba i v\u00fd\u0161i pojistn\u00e9ho, kter\u00e9 budete platit. Takov\u00fd postup se krom\u011b oddlu\u017een\u00ed m\u016f\u017ee v n\u011bkter\u00fdch poji\u0161\u0165ovn\u00e1ch aplikovat t\u0159eba i v p\u0159\u00edpad\u011b, \u017ee proch\u00e1z\u00edte exekuc\u00ed.<\/p>\n\n\n\n

Jak p\u0159i insolvenci funguje v\u00fdplata pln\u011bn\u00ed z \u017eivotn\u00ed pojistky a dal\u0161\u00edch poji\u0161t\u011bn\u00ed?<\/h3>\n\n\n\n

Tahle ot\u00e1zka ur\u010dit\u011b napadla ka\u017ed\u00e9ho, kdo m\u00e1 sjednan\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a ocitl se v insolvenci – neplat\u00edte pojistku zbyte\u010dn\u011b<\/strong>, kdy\u017e by v\u00e1m vyplacen\u00e9 pln\u011bn\u00ed mohlo b\u00fdt zabaveno pro \u00fa\u010del \u00fahrady dluhu? Nejd\u0159\u00edve si ud\u011bl\u00e1me kr\u00e1tk\u00fd exkurz do pr\u00e1vn\u00ed \u00fapravy a shrneme v\u00e1m, co o pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed (ne)\u0159\u00edk\u00e1 insolven\u010dn\u00ed z\u00e1kon. <\/p>\n\n\n\n

Ob\u010dansk\u00fd z\u00e1kon\u00edk rozd\u011bluje poji\u0161t\u011bn\u00ed na \u0161kodov\u00e9 a obnosov\u00e9. \u0160kodov\u00e9 poji\u0161t\u011bn\u00ed<\/strong> je zjednodu\u0161en\u011b charakterizov\u00e1no pln\u011bn\u00edm, kter\u00e9 m\u00e1 pokr\u00fdvat skute\u010dnou v\u00fd\u0161i \u0161kody, kter\u00e1 se v\u00e1m v r\u00e1mci ud\u00e1lost\u00ed kryt\u00fdch poji\u0161t\u011bn\u00edm stane. Typick\u00fdm p\u0159\u00edkladem \u0161kodov\u00e9ho poji\u0161t\u011bn\u00ed je va\u0161e povinn\u00e9 ru\u010den\u00ed, havarijn\u00ed poji\u0161t\u011bn\u00ed nebo poji\u0161t\u011bn\u00ed majetku<\/strong> – sjedn\u00e1te si poji\u0161t\u011bn\u00ed nemovitosti s ur\u010dit\u00fdm maxim\u00e1ln\u00edm limitem pln\u011bn\u00ed, na d\u016fm v\u00e1m spadne strom a poni\u010d\u00ed st\u0159echu. Poji\u0161\u0165ovna \u0161kody vy\u010d\u00edsl\u00ed a n\u00e1hradu skute\u010dn\u00e9 \u0161kody v\u00e1m (a\u017e do maxim\u00e1ln\u00edho sjednan\u00e9ho limitu) vyplat\u00ed. Insolven\u010dn\u00ed z\u00e1kon v\u00fdslovn\u011b stanov\u00ed, \u017ee pln\u011bn\u00ed ze \u0161kodov\u00e9ho poji\u0161t\u011bn\u00ed nespad\u00e1 do p\u0159\u00edjm\u016f<\/strong>, kter\u00e9 je nutn\u00e9 p\u0159iznat a odevzdat insolven\u010dn\u00edmu spr\u00e1vci. <\/p>\n\n\n\n

Naproti tomu obnosov\u00e9 poji\u0161t\u011bn\u00ed <\/strong>funguje na principu sjedn\u00e1n\u00ed ur\u010dit\u00e9 pojistn\u00e9 \u010d\u00e1stky<\/strong>, kterou v\u00e1m p\u0159i spln\u011bn\u00ed podm\u00ednek smlouvy poji\u0161\u0165ovna vyplat\u00ed. Nezkoum\u00e1 se zde, k jak\u00e9 finan\u010dn\u00ed \u0161kod\u011b do\u0161lo – k \u017e\u00e1dn\u00e9 t\u0159eba ani doj\u00edt nemus\u00ed, sta\u010d\u00ed, \u017ee nastala ud\u00e1lost p\u0159edpokl\u00e1dan\u00e1 pojistnou smlouvou a ta byla poji\u0161\u0165ovn\u011b dolo\u017eena. A to je pr\u00e1v\u011b p\u0159\u00edpad \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/a>. Bohu\u017eel insolven\u010dn\u00ed z\u00e1kon nestanov\u00ed pro obnosov\u00e9 poji\u0161t\u011bn\u00ed v\u00fdjimky, tud\u00ed\u017e podle z\u00e1kona m\u016f\u017ee j\u00edt o mimo\u0159\u00e1dn\u00fd p\u0159\u00edjem, kter\u00fd by insolven\u010dn\u00ed spr\u00e1vce mohl vyplatit v\u011b\u0159itel\u016fm. Ale na\u0161t\u011bst\u00ed se podle soudn\u00ed praxe – v\u010detn\u011b posv\u011bcen\u00ed \u00dastavn\u00edm soudem<\/a> – pln\u011bn\u00ed z \u017eivotn\u00edho poji\u0161t\u011bn\u00ed nemus\u00ed insolven\u010dn\u00edmu spr\u00e1vci vyd\u00e1vat<\/strong>, proto\u017ee neslou\u017e\u00ed k vlastn\u00edmu obohacen\u00ed, ale kompenzaci \u00fajmy p\u0159i zdravotn\u00edch probl\u00e9mech.<\/p>\n\n\n\n

\"\u017eivotn\u00ed<\/figure>\n\n\n\n

Co se je\u0161t\u011b hod\u00ed v\u011bd\u011bt?<\/h2>\n\n\n\n

Pln\u011bn\u00ed ze sjednan\u00fdch poji\u0161t\u011bn\u00ed invalidity<\/strong><\/a>, z\u00e1va\u017en\u00fdch nemoc\u00ed<\/strong><\/a>, trval\u00fdch n\u00e1sledk\u016f \u00farazu a dal\u0161\u00edch p\u0159ipoji\u0161t\u011bn\u00ed se vypl\u00e1c\u00ed p\u0159\u00edmo poji\u0161t\u011bn\u00e9mu. Jak to ale funguje u poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti<\/a>? Na d\u011bdictv\u00ed po zem\u0159el\u00e9m v insolvenci se sp\u00ed\u0161e nevyplat\u00ed spol\u00e9hat, ale obmy\u0161len\u00fd <\/strong> r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed se o o\u010dek\u00e1van\u00e9 pln\u011bn\u00ed ob\u00e1vat nemus\u00ed.<\/p>\n\n\n\n

Mezi p\u0159\u00edjmy, kter\u00e9 se mohou strhnout ze mzdy<\/strong>, pat\u0159\u00ed nejen mzda nebo p\u0159\u00edjem z podnik\u00e1n\u00ed, ale tak\u00e9 d\u016fchody <\/strong>v\u010detn\u011b toho invalidn\u00edho<\/strong>. Poji\u0161t\u011bn\u00ed invalidity v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed v\u00e1m m\u016f\u017ee rozhodn\u011b s v\u00fdpadkem p\u0159\u00edjmu v invalidit\u011b pomoci – ov\u0161em pokud si ho sjedn\u00e1te p\u0159edt\u00edm, ne\u017e v\u00e1s v\u016fbec n\u011bjak\u00e9 zdravotn\u00ed trable potkaj\u00ed. <\/p>\n\n\n\n

Ne\u010dekejte proto na chv\u00edli, a\u017e budete \u017eivotn\u00ed poji\u0161t\u011bn\u00ed skute\u010dn\u011b pot\u0159ebovat a sjednejte si ho t\u0159eba ihned. A nebojte, za kvalitn\u00ed pojistku nemus\u00edte d\u00e1t tis\u00edce korun. Zkuste si srovnat nab\u00eddky \u017eivotn\u00edho a \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed <\/strong>z pohodl\u00ed domova, zdarma a nez\u00e1vazn\u011b. Sta\u010d\u00ed v\u00e1m k tomu jen 2 minuty!<\/p>\n\n\n\n

\n
Srovnat \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Oddlu\u017een\u00ed m\u016f\u017ee b\u00fdt v mnoha p\u0159\u00edpadech jedinou z\u00e1chranou, kdy\u017e se ocitnete ve v\u00e1\u017en\u00e9 finan\u010dn\u00ed t\u00edsni. M\u00e1 ale dopady, kter\u00e9 v\u00e1s zprvu ani nenapadnou. Jak\u00fd v\u00fdznam m\u00e1 pro va\u0161e \u017eivotn\u00ed poji\u0161t\u011bn\u00ed insolvence a jak funguje v takov\u00e9m p\u0159\u00edpad\u011b v\u00fdplata pln\u011bn\u00ed nebo sjedn\u00e1n\u00ed nov\u00e9 pojistn\u00e9 smlouvy?\u00a0<\/p>\n","protected":false},"author":11,"featured_media":3407,"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\/3405"}],"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=3405"}],"version-history":[{"count":2,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3405\/revisions"}],"predecessor-version":[{"id":3409,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3405\/revisions\/3409"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3407"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3405"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3405"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3405"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}