{"id":4062,"date":"2026-05-13T11:45:46","date_gmt":"2026-05-13T09:45:46","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4062"},"modified":"2026-05-13T11:45:49","modified_gmt":"2026-05-13T09:45:49","slug":"pojisteni-pracovni-neschopnosti-osvc","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-pracovni-neschopnosti-osvc\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti pro OSV\u010c 2026: Vyplat\u00ed se nemocensk\u00e9 poji\u0161t\u011bn\u00ed nebo \u017eivotko?"},"content":{"rendered":"\n<p>Zam\u011bstnanec, kter\u00fd onemocn\u00ed, dostane prvn\u00edch 14 dn\u00ed n\u00e1hradu mzdy od zam\u011bstnavatele a pak nastupuje pomoc st\u00e1tu. \u017divnostn\u00edk nem\u00e1 ani jedno \u2013 a ka\u017ed\u00fd den l\u00e9\u010den\u00ed pro n\u011bj m\u016f\u017ee znamenat finan\u010dn\u00ed ztr\u00e1tu. Jak se na v\u00fdpadek p\u0159\u00edjmu p\u0159ipravit a co v\u00e1m skute\u010dn\u011b pom\u016f\u017ee? \u0158e\u0161en\u00edm m\u016f\u017ee b\u00fdt nemocensk\u00e9 poji\u0161t\u011bn\u00ed nebo poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti.<\/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=\"#co-se-stane-kdyz-osvc-onemocni\">Co se stane, kdy\u017e OSV\u010c onemocn\u00ed?<\/a><\/li><li class=\"\"><a href=\"#jak-pokryt-naklady-pri-nemoci-a-jak-se-pojistit\">Jak pokr\u00fdt n\u00e1klady p\u0159i nemoci a jak se pojistit?<\/a><ul><li class=\"\"><a href=\"#1-financni-rezerva\">1. Finan\u010dn\u00ed rezerva<\/a><\/li><li class=\"\"><a href=\"#2-dobrovolne-nemocenske-pojisteni\">2. Dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed<\/a><ul><li class=\"\"><a href=\"#kolik-zaplatite-a-dostanete-jako-osvc-v-nemocenskem-pojisteni\">Kolik zaplat\u00edte a dostanete jako OSV\u010c v nemocensk\u00e9m poji\u0161t\u011bn\u00ed?<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#3-pojisteni-pracovni-neschopnosti-v-zivotnim-pojisteni\">3. Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed<\/a><ul><li class=\"\"><a href=\"#kolik-zaplatite-a-dostanete-jako-osvc-v-pojisteni-pracovni-neschopnosti\">Kolik zaplat\u00edte a dostanete jako OSV\u010c v poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti?<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"\"><a href=\"#jak-spocitat-kolik-potrebujete-denne-v-pracovni-neschopnosti\">Jak spo\u010d\u00edtat, kolik pot\u0159ebujete denn\u011b v pracovn\u00ed neschopnosti?<\/a><\/li><li class=\"\"><a href=\"#co-dava-smysl-pro-vas\">Co d\u00e1v\u00e1 smysl pro v\u00e1s?<\/a><\/li><li class=\"\"><a href=\"#caste-otazky\">\u010cast\u00e9 ot\u00e1zky<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-se-stane-kdyz-osvc-onemocni\">Co se stane, kdy\u017e OSV\u010c onemocn\u00ed?<\/h2>\n\n\n\n<p>Zam\u011bstnanec p\u0159i pracovn\u00ed neschopnosti automaticky dostane za <strong>1.\u201314. den<\/strong> n\u00e1hradu mzdy ve v\u00fd\u0161i 60 % pr\u016fm\u011brn\u00e9ho denn\u00edho v\u00fdd\u011blku od zam\u011bstnavatele, od <strong>15. dne <\/strong>pak nemocensk\u00e9 d\u00e1vky od st\u00e1tu a\u017e do ukon\u010den\u00ed. O nic se starat nemus\u00ed, nemocensk\u00e9 poji\u0161t\u011bn\u00ed za n\u011bj odv\u00e1d\u00ed zam\u011bstnavatel.&nbsp;&nbsp;<\/p>\n\n\n\n<p>OSV\u010c <strong>nem\u00e1 ze z\u00e1kona ani jednu z t\u011bchto ochran<\/strong> a nem\u00e1 na to vliv, zda pod\u00e1v\u00e1te da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, nebo fungujete v pau\u0161\u00e1ln\u00edm re\u017eimu. Nemocensk\u00e9 poji\u0161t\u011bn\u00ed je pro \u017eivnostn\u00edky dobrovoln\u00e9. Tedy pokud se k n\u011bmu sami dobrovoln\u011b nep\u0159ihl\u00e1s\u00edte, p\u0159i nemoci nedostanete od st\u00e1tu nic. A proto\u017ee zak\u00e1zky a projekty se bez v\u00e1s jednodu\u0161e neud\u011blaj\u00ed samy, v\u00fdpadek p\u0159\u00edjmu nastupuje okam\u017eit\u011b od prvn\u00edho dne neschopnosti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-pokryt-naklady-pri-nemoci-a-jak-se-pojistit\">Jak pokr\u00fdt n\u00e1klady p\u0159i nemoci a jak se pojistit?<\/h2>\n\n\n\n<p>Jste OSV\u010c a chcete se pro p\u0159\u00edpad pracovn\u00ed neschopnosti ochr\u00e1nit? M\u00e1te k dispozici t\u0159i mo\u017enosti, kter\u00e9 samoz\u0159ejm\u011b m\u016f\u017eete kombinovat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-financni-rezerva\">1. Finan\u010dn\u00ed rezerva<\/h3>\n\n\n\n<p>Nejjednodu\u0161\u0161\u00ed \u0159e\u0161en\u00ed bez pap\u00edrov\u00e1n\u00ed a pojistn\u00e9ho. Pokud m\u00e1te na \u00fa\u010dtu dostatek pen\u011bz na pokryt\u00ed v\u00fddaj\u016f na n\u011bkolik m\u011bs\u00edc\u016f, l\u00e9\u010den\u00ed nemoci nebo \u00farazu v\u00e1s nezastav\u00ed. Samoz\u0159ejm\u011b dostate\u010dnou finan\u010dn\u00ed rezervu trv\u00e1 tak\u00e9 n\u011bjak\u00fd \u010das vytvo\u0159it a tak\u00e9 udr\u017eet.&nbsp;<\/p>\n\n\n\n<p>P\u0159i l\u00e9\u010den\u00ed dlouhodob\u011bj\u0161\u00edch nemoc\u00ed nebo v\u00e1\u017en\u011bj\u0161\u00edch \u00faraz\u016f se nicm\u00e9n\u011b naspo\u0159en\u00e9 pen\u00edze mohou p\u0159ekvapiv\u011b rychle vy\u010derpat. V p\u0159\u00edpad\u011b, \u017ee nem\u00e1te na \u00fa\u010dtech zrovna miliony korun, se vyplat\u00ed chr\u00e1nit se je\u0161t\u011b jin\u00fdm zp\u016fsobem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-dobrovolne-nemocenske-pojisteni\">2. Dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n<p>OSV\u010c se m\u016f\u017ee dobrovoln\u011b p\u0159ihl\u00e1sit k nemocensk\u00e9mu poji\u0161t\u011bn\u00ed u \u010cSSZ. D\u00e1vky pak funguj\u00ed stejn\u011b jako u zam\u011bstnanc\u016f a vypl\u00e1cej\u00ed se od 15. dne pracovn\u00ed neschopnosti. Abyste mohli nemocensk\u00e9 d\u00e1vky \u010derpat, mus\u00edte si poji\u0161t\u011bn\u00ed platit alespo\u0148 3 m\u011bs\u00edce p\u0159ed vznikem pracovn\u00ed neschopnosti. Nevyplat\u00ed se tedy \u010dekat a\u017e na chv\u00edli, kdy si jdete k l\u00e9ka\u0159i pro neschopenku.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"kolik-zaplatite-a-dostanete-jako-osvc-v-nemocenskem-pojisteni\">Kolik zaplat\u00edte a dostanete jako OSV\u010c v nemocensk\u00e9m poji\u0161t\u011bn\u00ed?<\/h4>\n\n\n\n<p>V\u00fd\u0161e d\u00e1vek z\u00e1vis\u00ed na pojistn\u00e9m, kter\u00e9 do syst\u00e9mu odv\u00e1d\u00edte. Minim\u00e1ln\u00ed m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 \u010din\u00ed 243 K\u010d (z minim\u00e1ln\u00edho z\u00e1kladu 9 000 K\u010d), pojistn\u00e9 si ale m\u016f\u017eete nav\u00fd\u0161it, aby v\u00e1m d\u00e1vala denn\u00ed d\u00e1vka smysl. Na ni\u010dem dal\u0161\u00edm v\u00fdplata d\u00e1vek nez\u00e1vis\u00ed.<\/p>\n\n\n\n<p><strong>P\u0159\u00edklady v\u00fd\u0161e denn\u00edch d\u00e1vek na z\u00e1klad\u011b v\u00fd\u0161e pojistn\u00e9ho<\/strong>: <strong>Kolik dostanete na nemocensk\u00e9?<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>M\u011bs\u00ed\u010dn\u00ed pojistn\u00e9<\/strong><\/td><td><strong>243 K\u010d<\/strong><\/td><td><strong>350 K\u010d<\/strong><\/td><td><strong>500 K\u010d<\/strong><\/td><td><strong>650 K\u010d<\/strong><\/td><td><strong>800 K\u010d<\/strong><\/td><\/tr><tr><td>Denn\u00ed d\u00e1vka od 15. dne<\/td><td>161 K\u010d&nbsp;<\/td><td>231 K\u010d<\/td><td>329 K\u010d<\/td><td>428 K\u010d&nbsp;<\/td><td>527 K\u010d&nbsp;<\/td><\/tr><tr><td>Denn\u00ed d\u00e1vka od 31. dne<\/td><td>177 K\u010d&nbsp;<\/td><td>254 K\u010d<\/td><td>362 K\u010d<\/td><td>471 K\u010d&nbsp;<\/td><td>579 K\u010d&nbsp;&nbsp;<\/td><\/tr><tr><td>Denn\u00ed d\u00e1vka od 61. dne<\/td><td>193 K\u010d&nbsp;<\/td><td>277 K\u010d<\/td><td>395 K\u010d<\/td><td>514 K\u010d&nbsp;<\/td><td>632 K\u010d&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Kalkulace d\u00e1vek nemocensk\u00e9ho je aktu\u00e1ln\u00ed pro rok 2026. Zdroj: V\u00fdpo\u010det nemocensk\u00e9 OSV\u010c 2026 \/ penize.cz&nbsp;<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-pojisteni-pracovni-neschopnosti-v-zivotnim-pojisteni\">3. Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/a> nab\u00edz\u00ed p\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti tak\u00e9 formou <strong>denn\u00edch d\u00e1vek<\/strong>. Funguje to ale trochu jinak. Jako klient si nastav\u00edte v\u00fd\u0161i d\u00e1vek a od kter\u00e9ho dne chcete d\u00e1vky vypl\u00e1cet (nej\u010dast\u011bji od 15., 29. nebo a\u017e 60. dne pracovn\u00ed neschopnosti). Dokonce si u n\u011bkter\u00fdch poji\u0161\u0165oven m\u016f\u017eete zvolit i variantu zp\u011btn\u00e9ho pln\u011bn\u00ed &#8211; poji\u0161\u0165ovna v\u00e1m pak vyplat\u00ed pen\u00edze za ka\u017ed\u00fd den pracovn\u00ed neschopnosti u\u017e od 1. dne.&nbsp;<\/p>\n\n\n\n<p>Specificky pro OSV\u010c je d\u016fle\u017eit\u00e9, \u017ee <strong>do v\u00fd\u0161e 600 K\u010d denn\u011b poji\u0161\u0165ovny zpravidla nevy\u017eaduj\u00ed dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f<\/strong>. To je praktick\u00e1 v\u00fdhoda zejm\u00e9na pro \u017eivnostn\u00edky vyu\u017e\u00edvaj\u00edc\u00ed pau\u0161\u00e1ln\u00ed v\u00fddaje nebo pau\u0161\u00e1ln\u00ed da\u0148, kde se t\u011b\u017eko prokazuje v\u00fd\u0161e p\u0159\u00edjm\u016f.<\/p>\n\n\n\n<p>Na pln\u011bn\u00ed z\u00e1rove\u0148 nemus\u00edte \u010dekat 3 m\u011bs\u00edce &#8211; u PN z d\u016fvodu nemoci \u010dek\u00e1te 2 m\u011bs\u00edce, u PN z d\u016fvodu \u00farazu m\u016f\u017eete \u010derpat pln\u011bn\u00ed tak\u0159ka ihned. Pozor dejte ale na to, \u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se nikdy nevztahuje na zdravotn\u00ed pot\u00ed\u017ee, kter\u00e9 jste m\u011bli u\u017e p\u0159ed vstupem do poji\u0161t\u011bn\u00ed. O tom, jak p\u0159esn\u011b poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti v \u017eivotku funguje, jak\u00e9 m\u00e1 v\u00fdluky a na co si d\u00e1t pozor, p\u00ed\u0161eme podrobn\u011b v \u010dl\u00e1nku<a href=\"https:\/\/www.rixo.cz\/blog\/nemocenske-pojisteni-a-pracovni-neschopnost-v-zivotku\/\"> Nemocensk\u00e9 poji\u0161t\u011bn\u00ed a pracovn\u00ed neschopnost v \u017eivotku<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"kolik-zaplatite-a-dostanete-jako-osvc-v-pojisteni-pracovni-neschopnosti\">Kolik zaplat\u00edte a dostanete jako OSV\u010c v poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti?<\/h4>\n\n\n\n<p>D\u016fle\u017eit\u00e9 je v\u011bd\u011bt, \u017ee \u010d\u00edm krat\u0161\u00ed je karen\u010dn\u00ed doba (tj. doba bez vypl\u00e1cen\u00ed d\u00e1vek), t\u00edm vy\u0161\u0161\u00ed bude m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9. Poji\u0161t\u011bn\u00ed prodra\u017e\u00ed i zp\u011btn\u00e9 pln\u011bn\u00ed. Do ceny poji\u0161t\u011bn\u00ed vstupuj\u00ed na rozd\u00edl od nemocensk\u00e9ho poji\u0161t\u011bn\u00ed i jin\u00e9 faktory &#8211; v\u00e1\u0161 v\u011bk, p\u0159edchoz\u00ed zdravotn\u00ed pot\u00ed\u017ee, povol\u00e1n\u00ed, sporty nebo \u017eivotn\u00ed styl.&nbsp;<\/p>\n\n\n\n<p>Kolik zaplat\u00ed za poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti 33let\u00fd \u017eivnostn\u00edk, kter\u00fd se \u017eiv\u00ed administrativn\u00ed \u010dinnost\u00ed? Kalkulace nab\u00eddek poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti (a povinn\u00fdm minim\u00e1ln\u00edm tarifem 30 000 K\u010d na riziko smrti) p\u0159in\u00e1\u0161\u00edme n\u00ed\u017ee.&nbsp;<\/p>\n\n\n\n<p><strong>P\u0159\u00edklady v\u00fd\u0161e pojistn\u00e9ho v poji\u0161t\u011bn\u00ed PN pro konkr\u00e9tn\u00ed denn\u00ed d\u00e1vky<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Denn\u00ed d\u00e1vka<\/strong><\/td><td><strong>300 K\u010d<\/strong><\/td><td><strong>400 K\u010d<\/strong><\/td><td><strong>500 K\u010d&nbsp;<\/strong><\/td><td><strong>600 K\u010d&nbsp;<\/strong><\/td><\/tr><tr><td><strong>M\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 od 15. dne zp\u011btn\u011b<\/strong><\/td><td>385 K\u010d<\/td><td>511 K\u010d<\/td><td>636 K\u010d<\/td><td>753 K\u010d<\/td><\/tr><tr><td><strong>M\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 od 15. dne nezp\u011btn\u011b<\/strong><\/td><td>309 K\u010d<\/td><td>409 K\u010d&nbsp;<\/td><td>511 K\u010d<\/td><td>611 K\u010d<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Z kalkulace pro klienta vypl\u00fdv\u00e1, \u017ee poji\u0161t\u011bn\u00ed od 15. dne nezp\u011btn\u011b, srovnateln\u00e9 s nemocensk\u00fdm poji\u0161t\u011bn\u00edm, je v r\u00e1mci ceny v\u00fdrazn\u011b v\u00fdhodn\u011bj\u0161\u00ed. Zat\u00edmco denn\u00ed d\u00e1vky 600 K\u010d by s nemocensk\u00fdm poji\u0161t\u011bn\u00edm dos\u00e1hl s pojistn\u00fdm v\u00edce ne\u017e 800 K\u010d, v r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed m\u011bs\u00ed\u010dn\u011b zaplat\u00ed pouze 611 K\u010d.&nbsp;<\/p>\n\n\n\n<p>Pokud by klient zvolil pln\u011bn\u00ed od 15. dne zp\u011btn\u011b, p\u0159iplat\u00ed si cca stokorunu m\u011bs\u00ed\u010dn\u011b oproti nezp\u011btn\u00e9mu pln\u011bn\u00ed. V porovn\u00e1n\u00ed s nemocensk\u00fdm poji\u0161t\u011bn\u00edm, kter\u00e9 je ale nav\u00edc nezp\u011btn\u00e9, st\u00e1le s \u017eivotn\u00edm poji\u0161t\u011bn\u00edm na pojistn\u00e9m v\u00edce ne\u017e stokorunu m\u011bs\u00ed\u010dn\u011b u\u0161et\u0159\u00ed.&nbsp;<\/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\/2026\/05\/high-view-handyman-creating-table-1-1.jpg\" alt=\"poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti osv\u010d\" class=\"wp-image-4065\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/05\/high-view-handyman-creating-table-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/05\/high-view-handyman-creating-table-1-1-300x200.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/05\/high-view-handyman-creating-table-1-1-768x512.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/05\/high-view-handyman-creating-table-1-1-100x67.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/05\/high-view-handyman-creating-table-1-1-675x450.jpg 675w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-spocitat-kolik-potrebujete-denne-v-pracovni-neschopnosti\">Jak spo\u010d\u00edtat, kolik pot\u0159ebujete denn\u011b v pracovn\u00ed neschopnosti?<\/h2>\n\n\n\n<p>P\u0159ed t\u00edm, ne\u017e si nastav\u00edte v\u00fd\u0161i d\u00e1vek, je pot\u0159eba zjistit, kolik v\u00e1s ka\u017ed\u00fd den neschopnosti re\u00e1ln\u011b stoj\u00ed. Postup je jednoduch\u00fd:<\/p>\n\n\n\n<ol>\n<li>Se\u010dt\u011bte v\u0161echny <strong>fixn\u00ed m\u011bs\u00ed\u010dn\u00ed v\u00fddaje<\/strong>, kter\u00e9 b\u011b\u017e\u00ed bez ohledu na to, jestli pracujete: n\u00e1jem nebo spl\u00e1tka hypot\u00e9ky, leasing, z\u00e1lohy na energie, z\u00e1lohy na zdravotn\u00ed a soci\u00e1ln\u00ed pojistn\u00e9 OSV\u010c, pojistky, p\u0159edplatn\u00e9 slu\u017eeb.<\/li>\n\n\n\n<li>V\u00fdsledek <strong>vyd\u011blte 30<\/strong> \u2013 dostanete denn\u00ed minimum, kter\u00e9 pot\u0159ebujete pokr\u00fdt.<\/li>\n\n\n\n<li>K tomu p\u0159i\u010dt\u011bte p\u0159im\u011b\u0159enou rezervu na ne\u010dekan\u00e9 v\u00fddaje spojen\u00e9 s l\u00e9\u010den\u00edm.<\/li>\n<\/ol>\n\n\n\n<p><strong>P\u0159\u00edklad:<\/strong> OSV\u010c s m\u011bs\u00ed\u010dn\u00edmi fixn\u00edmi v\u00fddaji 25 000 K\u010d (p\u0159ibli\u017en\u011b <strong>833 K\u010d denn\u011b<\/strong>) plat\u00ed dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed 500 K\u010d m\u011bs\u00ed\u010dn\u011b. Od 15. dne neschopnosti dostane <strong>329 K\u010d denn\u011b<\/strong>, jen\u017ee to na pokryt\u00ed v\u00fddaj\u016f nesta\u010d\u00ed, chyb\u00ed dal\u0161\u00edch <strong>500 K\u010d denn\u011b<\/strong>. Proto si k nemocensk\u00e9mu sjedn\u00e1 poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti s d\u00e1vkou 600 K\u010d\/den od 15. dne (pojistn\u00e9 611 K\u010d\/m\u011bs). Od 15. dne neschopnosti pak dostane celkem <strong>929 K\u010d\/den<\/strong>, co\u017e fixn\u00ed v\u00fddaje pokryje. Celkov\u00e9 n\u00e1klady na ochranu p\u0159\u00edjmu jsou pak <strong>1 111 K\u010d m\u011bs\u00ed\u010dn\u011b<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-dava-smysl-pro-vas\">Co d\u00e1v\u00e1 smysl pro v\u00e1s?<\/h2>\n\n\n\n<p>Jedno \u0159e\u0161en\u00ed pro v\u0161echny neexistuje \u2013 z\u00e1le\u017e\u00ed na va\u0161ich z\u00e1vazc\u00edch a rezerv\u00e1ch.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Profil OSV\u010c<\/strong><\/td><td><strong>Doporu\u010den\u00e1 kombinace<\/strong><\/td><\/tr><tr><td>N\u00edzk\u00e9 fixn\u00ed n\u00e1klady, finan\u010dn\u00ed rezerva na v\u00edce ne\u017e 6 m\u011bs\u00edc\u016f<\/td><td>Rezerva + poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti od 29.-60. dne nezp\u011btn\u011b<\/td><\/tr><tr><td>St\u0159edn\u00ed fixn\u00ed n\u00e1klady, finan\u010dn\u00ed rezerva na 3-4 m\u011bs\u00edce<\/td><td>Nemocensk\u00e9 poji\u0161t\u011bn\u00ed + poji\u0161t\u011bn\u00ed PN od 29. dne nezp\u011btn\u011b<\/td><\/tr><tr><td>Vy\u0161\u0161\u00ed fixn\u00ed z\u00e1vazky, men\u0161\u00ed rezerva<\/td><td>Nemocensk\u00e9 poji\u0161t\u011bn\u00ed + poji\u0161t\u011bn\u00ed PN od 15. dne zp\u011btn\u011b\/nezp\u011btn\u011b<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Obecn\u011b plat\u00ed, \u017ee <strong>dobrovoln\u00e9 nemocensk\u00e9 a <\/strong><a href=\"https:\/\/www.rixo.cz\/blog\/zivotni-pojisteni-pro-osvc-jak-na-to\/\"><strong>\u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro OSV\u010c<\/strong><\/a><strong> i zam\u011bstnance se navz\u00e1jem dopl\u0148uj\u00ed, ne vylu\u010duj\u00ed<\/strong>. Nemocensk\u00e9 pokryje z\u00e1klad, \u017eivotko dorovn\u00e1 rozd\u00edl do skute\u010dn\u00fdch pot\u0159eb.<\/p>\n\n\n\n<p>Chcete zjistit, jak si nastavit <a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> tak, aby v\u00e1m jako \u017eivnostn\u00edkovi skute\u010dn\u011b pomohlo? Srovnejte si nab\u00eddky poji\u0161\u0165oven na RIXO.cz a najd\u011bte to nejlep\u0161\u00ed kryt\u00ed za tu nejv\u00fdhodn\u011bj\u0161\u00ed cenu!&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\n\n\n<h2 class=\"wp-block-heading\" id=\"caste-otazky\">\u010cast\u00e9 ot\u00e1zky<\/h2>\n\n\n\n<p><strong>Vyplat\u00ed se nemocensk\u00e9 OSV\u010c?&nbsp;<\/strong><\/p>\n\n\n\n<p>Nej\u010dast\u011bji se OSV\u010c vyplat\u00ed kombinace nemocensk\u00e9ho poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti od 15.-29. dne. Pro pokryt\u00ed vy\u0161\u0161\u00edch denn\u00edch v\u00fddaj\u016f se samostatn\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed nemus\u00ed vyplatit, pojistn\u00e9 by bylo ne\u00fam\u011brn\u011b vysok\u00e9. U \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je ale naopak nutn\u00e9 myslet na to, \u017ee nepokryje d\u0159\u00edv\u011bj\u0161\u00ed zdravotn\u00ed pot\u00ed\u017ee nebo n\u011bkter\u00e9 specifick\u00e9 diagn\u00f3zy (nap\u0159\u00edklad vyjmenovan\u00e9 psychick\u00e9 nemoci).&nbsp;<\/p>\n\n\n\n<p><strong>Mus\u00edm si jako OSV\u010c platit nemocensk\u00e9 poji\u0161t\u011bn\u00ed?<\/strong>&nbsp;<\/p>\n\n\n\n<p>Ne. Na rozd\u00edl od zdravotn\u00edho a d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed je nemocensk\u00e9 pro \u017eivnostn\u00edky zcela dobrovoln\u00e9. Pokud se nep\u0159ihl\u00e1s\u00edte, p\u0159i nemoci nedostanete od st\u00e1tu \u017e\u00e1dn\u00e9 d\u00e1vky.<\/p>\n\n\n\n<p><strong>Mohu m\u00edt dobrovoln\u00e9 nemocensk\u00e9 i poji\u0161t\u011bn\u00ed PN v \u017eivotku z\u00e1rove\u0148?<\/strong>&nbsp;<\/p>\n\n\n\n<p>Ano, a v praxi se tato kombinace doporu\u010duje. Dobrovoln\u00e9 nemocensk\u00e9 pak kryje \u010d\u00e1st v\u00fdpadku, \u017eivotko dorovn\u00e1 zbytek na va\u0161e skute\u010dn\u00e9 v\u00fddaje.<\/p>\n\n\n\n<p><strong>Plat\u00ed pro OSV\u010c v\u00fdluky v poji\u0161t\u011bn\u00ed PN?<\/strong><\/p>\n\n\n\n<p>V\u00fdluky mohou b\u00fdt nad r\u00e1mec obecn\u00fdch v\u00fdluk v pojistn\u00fdch podm\u00ednk\u00e1ch na z\u00e1klad\u011b ocen\u011bn\u00ed zdravotn\u00edho stavu pro ka\u017ed\u00e9ho klienta jin\u00e9. Plat\u00ed ale stejn\u011b pro OSV\u010c i zam\u011bstnance. Detailn\u00ed p\u0159ehled v\u00fdluk, na kter\u00e9 si d\u00e1t pozor, najdete v \u010dl\u00e1nku<a href=\"https:\/\/www.rixo.cz\/blog\/nemocenske-pojisteni-a-pracovni-neschopnost-v-zivotku\/\"> Nemocensk\u00e9 poji\u0161t\u011bn\u00ed a pracovn\u00ed neschopnost v \u017eivotku<\/a>.<\/p>\n\n\n\n<p><strong>Mus\u00edm si jako OSV\u010c p\u0159iplatit i poji\u0161t\u011bn\u00ed pro invalidn\u00ed d\u016fchod?&nbsp;<\/strong><\/p>\n\n\n\n<p>D\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9ho se mus\u00edte ze z\u00e1kona \u00fa\u010dastnit, je p\u0159edpokladem pro v\u00fdplatu nejen starobn\u00edho, ale i invalidn\u00edho d\u016fchodu. Jako OSV\u010c tedy invalidn\u00ed d\u016fchod v p\u0159\u00edpad\u011b p\u0159izn\u00e1n\u00ed invalidity dostanete, n\u00edzk\u00e9 \u010d\u00e1stky v\u00e1m ov\u0161em nemus\u00ed sta\u010dit. I riziko invalidity si m\u016f\u017eete v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed p\u0159ipojistit.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Co poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti nezaplat\u00ed?&nbsp;<\/strong><\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti nen\u00ed n\u00e1hradou nemocensk\u00e9ho poji\u0161t\u011bn\u00ed nap\u0159\u00edklad v p\u0159\u00edpad\u011b pen\u011b\u017eit\u00e9 pomoci v mate\u0159stv\u00ed (PPM, \u201cmate\u0159sk\u00e1\u201d), otcovsk\u00e9, nebo o\u0161et\u0159ovn\u00e9ho. V\u00fdluky z kryt\u00ed p\u0159i p\u0159iznan\u00e9 pracovn\u00ed neschopnosti pak stanov\u00ed p\u0159\u00edmo smlouva.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jak se jako OSV\u010c p\u0159ipravit na v\u00fdpadek p\u0159\u00edjmu a co v\u00e1m skute\u010dn\u011b pom\u016f\u017ee? \u0158e\u0161en\u00edm m\u016f\u017ee b\u00fdt nemocensk\u00e9 poji\u0161t\u011bn\u00ed nebo poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti.<\/p>\n","protected":false},"author":11,"featured_media":4064,"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\/4062"}],"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=4062"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4062\/revisions"}],"predecessor-version":[{"id":4078,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4062\/revisions\/4078"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4064"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4062"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4062"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4062"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}