[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.atrm.cz\/jak-si-pojistit-zivot\/#Article","mainEntityOfPage":"https:\/\/www.atrm.cz\/jak-si-pojistit-zivot\/","headline":"Jak si pojistit \u017eivot?","name":"Jak si pojistit \u017eivot?","description":"T\u00edm nejcenn\u011bj\u0161\u00edm, co lid\u00e9 maj\u00ed, je jejich \u017eivot. A kdy\u017e je \u017eivot to nejd\u016fle\u017eit\u011bj\u0161\u00ed, je…","datePublished":"2025-02-28","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.atrm.cz\/author\/#Person","name":"","url":"https:\/\/www.atrm.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"atrm.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.atrm.cz\/wp-content\/uploads\/img_a340614_w2708_t1553538456.jpg","url":"https:\/\/www.atrm.cz\/wp-content\/uploads\/img_a340614_w2708_t1553538456.jpg","height":0,"width":0},"url":"https:\/\/www.atrm.cz\/jak-si-pojistit-zivot\/","about":["Finance"],"wordCount":621,"articleBody":"T\u00edm nejcenn\u011bj\u0161\u00edm, co lid\u00e9 maj\u00ed, je jejich \u017eivot. A kdy\u017e je \u017eivot to nejd\u016fle\u017eit\u011bj\u0161\u00ed, je nasnad\u011b, \u017ee si ho kdekdo z\u00a0n\u00e1s n\u011bjak\u00fdm zp\u016fsobem poji\u0161\u0165uje. \u010c\u00edm\u017e pochopiteln\u011b nen\u00ed my\u0161leno to, \u017ee by \u010dlov\u011bk zaplatil a z\u00edskal tak z\u00e1ruku, \u017ee bude i nad\u00e1le \u017eiv, ale to, \u017ee kdyby se n\u011bco stalo, bude vyplacena alespo\u0148 n\u011bjak\u00e1 ta finan\u010dn\u00ed kompenzace.\tOv\u0161em je pr\u00fd smutnou pravdou, \u017ee lid\u00e9 p\u0159i takov\u00e9mto vlastn\u011b moudr\u00e9m rozhodnut\u00ed nejednou chybuj\u00ed. Je to smutn\u00e9, ale je to tak.\tChyby v\u00a0\u017eivotn\u00edm poji\u0161t\u011bn\u00ed jsou tu v\u011bt\u0161\u00ed a tu men\u0161\u00ed, ka\u017edop\u00e1dn\u011b jsou v\u0161ak ne\u017e\u00e1douc\u00ed. Proto\u017ee kv\u016fli nim n\u011bkdo trat\u00ed.\t\tMezi nejz\u00e1va\u017en\u011bj\u0161\u00ed ze zm\u00edn\u011bn\u00fdch chyb pat\u0159\u00ed:\t1.\u00a0\u00a0\u00a0\u00a0\u00a0 Kdy\u017e rodi\u010de pojist\u00ed sv\u00e9 d\u00edt\u011b, sebe v\u0161ak nikoliv. Pokud toti\u017e nen\u00ed p\u0159\u00edmo jejich z\u00e1m\u011brem sprovodit potomka ze sv\u011bta a inkasovat za to pen\u00edze, jedn\u00e1 se v\u00a0naprost\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f o nesmysl. Proto\u017ee p\u0159\u00edjmy z\u00a0takov\u00e9ho poji\u0161t\u011bn\u00ed by m\u011bly plynout k\u00a0tomu, kdo je na poji\u0161t\u011bn\u00e9m zem\u0159el\u00e9m existen\u010dn\u011b z\u00e1visl\u00fd, aby ekonomicky nestr\u00e1dal. A zat\u00edmco rodi\u010de bez \u010derp\u00e1n\u00ed pojistky za d\u00edt\u011b vy\u017eij\u00ed, jejich osi\u0159el\u00e9 d\u00edt\u011b bez pojistky za jejich smrt nikoliv.\t2.\u00a0\u00a0\u00a0\u00a0\u00a0 Pom\u011brn\u011b velk\u00e1 hloupost je i \u017eivotn\u00ed poji\u0161t\u011bn\u00ed d\u011bt\u00ed kv\u016fli mo\u017en\u00fdm zdravotn\u00edm rizik\u016fm. Proto\u017ee tyto trp\u00ed nemocemi zp\u016fsobuj\u00edc\u00edmi smrt \u010di trval\u00e9 n\u00e1sledky nesrovnateln\u011b m\u00e9n\u011b ne\u017e dosp\u011bl\u00ed. A proto je pro n\u011b ide\u00e1ln\u00ed naopak poji\u0161t\u011bn\u00ed \u00farazov\u00e9, je\u017e ale lid\u00e9 nejednou tak jaksi opomenou.\t3.\u00a0\u00a0\u00a0\u00a0\u00a0 Lid\u00e9 hled\u00ed nejednou p\u0159edev\u0161\u00edm na v\u00fd\u0161i pojistek, je\u017e mus\u00ed platit, nikoliv na to, \u010deho se jim za jejich pen\u00edze v\u00a0p\u0159\u00edpad\u011b vzniku n\u00e1rok\u016f dostane. A pak je nemile p\u0159ekvap\u00ed n\u00edzk\u00e9 pln\u011bn\u00ed v\u00a0p\u0159\u00edpad\u011b vzniku pojistn\u00e9 ud\u00e1losti. Ide\u00e1ln\u00ed je pr\u00fd platit za \u017eivotn\u00ed poji\u0161t\u011bn\u00ed aspo\u0148 p\u011bt procent ze sv\u00fdch p\u0159\u00edjm\u016f a tuto sumu p\u0159i zv\u00fd\u0161en\u00ed p\u0159\u00edjm\u016f aktualizovat.\t4.\u00a0\u00a0\u00a0\u00a0\u00a0 \u017divotn\u00ed poji\u0161t\u011bn\u00ed by m\u011blo slou\u017eit pr\u00e1v\u011b jako ochrana p\u0159ed zdravotn\u00edmi riziky. N\u011bkte\u0159\u00ed lid\u00e9 ho v\u0161ak pou\u017e\u00edvaj\u00ed sp\u00ed\u0161e jako investici, co\u017e se pak negativn\u011b projevuje na v\u00fd\u0161i od\u0161kodn\u011bn\u00ed.\t5.\u00a0\u00a0\u00a0\u00a0\u00a0 A lid\u00e9 nejednou tak\u00e9 \u0161patn\u011b vol\u00ed rizika, proti nim\u017e se poji\u0161\u0165uj\u00ed. Proto\u017ee je tu rozd\u00edl mezi invaliditou vzniklou v\u00a0souvislosti s\u00a0nemoc\u00ed a tout\u00e9\u017e zp\u016fsobenou \u00farazem, a stejn\u011b je tomu i v\u00a0p\u0159\u00edpad\u011b \u00famrt\u00ed. Pojistit se proti \u00farazu a ne proti nemocem, je\u017e jsou u n\u00e1s daleko \u010dast\u011bj\u0161\u00edmi p\u0159\u00ed\u010dinami smrti, je nedomy\u0161len\u00e9.\t6.\u00a0\u00a0\u00a0\u00a0\u00a0 A lid\u00e9 se nespr\u00e1vn\u011b poji\u0161\u0165uj\u00ed i v\u00a0ot\u00e1zce d\u00e9lky trv\u00e1n\u00ed rizik. Preferuj\u00ed ta kr\u00e1tkodob\u00e1 p\u0159ed dlouhodob\u00fdmi. Tak\u017ee se chr\u00e1n\u00ed pro p\u0159\u00edpady, kdy budou pot\u0159ebovat pomoc v\u00a0d\u00e9lce do jednoho roku, a\u010d je jednozna\u010dn\u011b \u017e\u00e1doucn\u011bj\u0161\u00ed se pojistit pro p\u0159\u00edpad dlouhodob\u011bj\u0161\u00ed nemoci, invalidity, trval\u00fdch n\u00e1sledk\u016f \u010di smrti, je\u017e se projev\u00ed na situaci \u010dlov\u011bka daleko citeln\u011bji. Proto\u017ee kr\u00e1tkodob\u00e9 probl\u00e9my lze \u0159e\u0161it i jinak ne\u017e pen\u011bzi z pojistky, kde\u017eto ty dlouhodob\u00e9 \u010di trval\u00e9 u\u017e jsou \u010dasto finan\u010dn\u011b nezvl\u00e1dnuteln\u00e9.\t\tA proto by m\u011bl \u010dlov\u011bk hledat to nejoptim\u00e1ln\u011bj\u0161\u00ed a nikoliv nejlevn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed. Aby t\u0159eba kv\u016fli jeho smrti neum\u0159el hlady i zbytek jeho rodiny.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak si pojistit \u017eivot?","item":"https:\/\/www.atrm.cz\/jak-si-pojistit-zivot\/#breadcrumbitem"}]}]