[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ryves.cz\/jak-mate-nastavenu-zivotni-pojistku-ne-kazda-je-pro-vas-totiz-vyhodna\/#Article","mainEntityOfPage":"https:\/\/www.ryves.cz\/jak-mate-nastavenu-zivotni-pojistku-ne-kazda-je-pro-vas-totiz-vyhodna\/","headline":"Jak m\u00e1te nastavenu \u017eivotn\u00ed pojistku? Ne ka\u017ed\u00e1 je pro V\u00e1s toti\u017e v\u00fdhodn\u00e1!","name":"Jak m\u00e1te nastavenu \u017eivotn\u00ed pojistku? Ne ka\u017ed\u00e1 je pro V\u00e1s toti\u017e v\u00fdhodn\u00e1!","description":"V\u00a0z\u00e1sad\u011b existuj\u00ed dva druhy \u017eivotn\u00edch pojistek. Bu\u010f je to rizikov\u00e1 pojistka, anebo pojistka jako investi\u010dn\u00ed spo\u0159ic\u00ed poji\u0161t\u011bn\u00ed se spolu\u00fa\u010dast\u00ed. Tomu se \u0159\u00edk\u00e1 odborn\u011b \u201ekapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed\u201c, na rozd\u00edl od oby\u010dejn\u00e9 pojistky na r\u016fzn\u00e9 druhy rizik, kde jen pen\u00edze prote\u010dou poji\u0161\u0165ovnou, si v\u00a0kapit\u00e1lov\u00e9 spolu\u00fa\u010dasti krom\u011b poji\u0161t\u011bn\u00ed spo\u0159\u00edte finance, kter\u00e9 na konci nasmlouvan\u00e9ho obdob\u00ed pochopiteln\u011b z\u00edsk\u00e1te zp\u011bt. \u017divotn\u00ed pojistky si lid\u00e9 sjedn\u00e1vaj\u00ed pro p\u0159\u00edpad smrti, \u00farazu, pracovn\u00ed neschopnosti a dlouhodob\u00e9 nebo i kr\u00e1tkodob\u00e9 v\u00e1\u017en\u00e9 nemoci, p\u0159\u00edpadn\u011b invalidity. Invalidita a pojistka na pracovn\u00ed…","datePublished":"2023-05-26","dateModified":"2023-05-26","author":{"@type":"Person","@id":"https:\/\/www.ryves.cz\/author\/#Person","name":"","url":"https:\/\/www.ryves.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ryves.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ryves.cz\/wp-content\/uploads\/img_a308904_w2295_t1519936084.jpg","url":"https:\/\/www.ryves.cz\/wp-content\/uploads\/img_a308904_w2295_t1519936084.jpg","height":0,"width":0},"url":"https:\/\/www.ryves.cz\/jak-mate-nastavenu-zivotni-pojistku-ne-kazda-je-pro-vas-totiz-vyhodna\/","wordCount":446,"articleBody":"V\u00a0z\u00e1sad\u011b existuj\u00ed dva druhy \u017eivotn\u00edch pojistek. Bu\u010f je to rizikov\u00e1 pojistka, anebo pojistka jako investi\u010dn\u00ed spo\u0159ic\u00ed poji\u0161t\u011bn\u00ed se spolu\u00fa\u010dast\u00ed. Tomu se \u0159\u00edk\u00e1 odborn\u011b \u201ekapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed\u201c, na rozd\u00edl od oby\u010dejn\u00e9 pojistky na r\u016fzn\u00e9 druhy rizik, kde jen pen\u00edze prote\u010dou poji\u0161\u0165ovnou, si v\u00a0kapit\u00e1lov\u00e9 spolu\u00fa\u010dasti krom\u011b poji\u0161t\u011bn\u00ed spo\u0159\u00edte finance, kter\u00e9 na konci nasmlouvan\u00e9ho obdob\u00ed pochopiteln\u011b z\u00edsk\u00e1te zp\u011bt.\u017divotn\u00ed pojistky si lid\u00e9 sjedn\u00e1vaj\u00ed pro p\u0159\u00edpad smrti, \u00farazu, pracovn\u00ed neschopnosti a dlouhodob\u00e9 nebo i kr\u00e1tkodob\u00e9 v\u00e1\u017en\u00e9 nemoci, p\u0159\u00edpadn\u011b invalidity.\tInvalidita a pojistka na pracovn\u00ed neschopnost\u0158\u00edk\u00e1 se, \u017ee \u201e\u010dlov\u011bk nikdy nev\u00ed\u201c, co\u017e se v\u00a0takov\u00fdch p\u0159\u00edpadech m\u016f\u017ee projevit p\u0159\u00edmo tragicky. M\u016f\u017ee to ohrozit nejen samotnou osobu, o kter\u00e9 je \u0159e\u010d, ale i jeho rodinu. Z\u00e1va\u017en\u00fdm probl\u00e9mem je v\u00a0dne\u0161n\u00ed dob\u011b pr\u00e1v\u011b invalidita a \u017eivotn\u00ed pojistka by m\u011bla b\u00fdt zam\u011b\u0159ena pr\u00e1v\u011b t\u00edmto sm\u011brem. Existuj\u00ed t\u0159i stupn\u011b invalidity dan\u00e9 na\u0161\u00ed legislativou a ka\u017ed\u00fd z\u00a0nich p\u0159edstavuje v\u00fdznamnou ztr\u00e1tu p\u0159\u00edjmu. Poji\u0161t\u011bn\u00ed dok\u00e1\u017ee pak pokr\u00fdt velkou m\u011brou rozd\u00edl mezi p\u0159edchoz\u00edm p\u0159\u00edjmem ze zam\u011bstn\u00e1n\u00ed a sou\u010dasn\u00fdm p\u0159\u00edjmem z\u00a0invalidn\u00edho d\u016fchodu.P\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti je tak\u00e9 jednou z\u00a0mo\u017enost\u00ed, jak si finan\u010dn\u011b vypomoci v\u00a0takov\u00e9m p\u0159\u00edpad\u011b. Poji\u0161\u0165ovny hrad\u00ed zpravidla obdob\u00ed dlouhodob\u00fdch neschopnost\u00ed, tedy v\u011bt\u0161inou od po\u010d\u00e1tku druh\u00e9ho m\u011bs\u00edce neschopnosti. Nevztahuj\u00ed se tedy pro kr\u00e1tkodob\u00e9 nemoci nap\u0159. ch\u0159ipkov\u00e1 onemocn\u011bn\u00ed apod.\tPoji\u0161t\u011bn\u00ed pro p\u0159\u00edpad v\u00e1\u017en\u00e9 nemoci m\u016f\u017ee m\u00edt ka\u017ed\u00e1 poji\u0161\u0165ovna jinak nastavenoM\u016f\u017eete tak\u00e9 zauva\u017eovat o trval\u00fdch n\u00e1sledc\u00edch v\u00a0p\u0159\u00edpad\u011b \u00farazu, ov\u0161em mnohem \u010dast\u011bj\u0161\u00ed p\u0159\u00edpad je rozvoj v\u00e1\u017en\u00e9 choroby, nap\u0159. rakoviny, mozkov\u00e9 mrtvice, nebo infarktu myokardu. Poji\u0161\u0165ovna v\u00a0tomto p\u0159\u00edpad\u011b hrad\u00ed \u010d\u00e1st pojistky, nebo i celou sumu. Z\u00e1le\u017e\u00ed v\u017edy na tom, jak\u00e9 choroby lze pojistit a jak\u00e1 pln\u011bn\u00ed poji\u0161\u0165ovna vypl\u00e1c\u00ed, je to v\u017edy individu\u00e1ln\u00ed z\u00e1le\u017eitost zakotven\u00e1 ve smlouv\u011b.V\u00a0ka\u017ed\u00e9m p\u0159\u00edpad\u011b nepodce\u0148ujte tato v\u00fd\u0161e uveden\u00e1 rizika, kter\u00e1 jsou mnohem z\u00e1va\u017en\u011bj\u0161\u00ed, ne\u017e pokryt\u00ed denn\u00edho od\u0161kodn\u00e9ho v\u00a0p\u0159\u00edpad\u011b \u00farazu, nebo dokonce smrti zp\u016fsoben\u00e9 \u00farazem, co\u017e jsou pom\u011brn\u011b m\u00e1lo pravd\u011bpodobn\u00e1 rizika. Bohu\u017eel pr\u00e1v\u011b tato se ve smlouv\u00e1ch objevuj\u00ed pom\u011brn\u011b \u010dasto.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak m\u00e1te nastavenu \u017eivotn\u00ed pojistku? Ne ka\u017ed\u00e1 je pro V\u00e1s toti\u017e v\u00fdhodn\u00e1!","item":"https:\/\/www.ryves.cz\/jak-mate-nastavenu-zivotni-pojistku-ne-kazda-je-pro-vas-totiz-vyhodna\/#breadcrumbitem"}]}]