{"id":20247,"date":"2019-05-02T18:00:41","date_gmt":"2019-05-02T17:00:41","guid":{"rendered":"https:\/\/e-zena.cz\/?p=20247"},"modified":"2022-06-14T11:28:38","modified_gmt":"2022-06-14T10:28:38","slug":"spravne-vybrane-zivotni-pojisteni-vam-usetri-problemy","status":"publish","type":"post","link":"https:\/\/e-zena.cz\/?p=20247","title":{"rendered":"Spr\u00e1vn\u011b vybran\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m u\u0161et\u0159\u00ed probl\u00e9my"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>V&nbsp;dne\u0161n\u00ed dob\u011b tolik propagovan\u00e9ho pozitivn\u00edho my\u0161len\u00ed a \u017eivota v&nbsp;p\u0159\u00edtomnosti lid\u00e9 mohou t\u00edhnout k&nbsp;nep\u0159ipou\u0161t\u011bn\u00ed si probl\u00e9m\u016f. Rizika v\u0161ak nemiz\u00ed a nenad\u00e1l\u00e1 slo\u017eit\u00e1 situace se m\u016f\u017ee p\u0159ihodit komukoli a kdykoli. Z&nbsp;exkluzivn\u00edho pr\u016fzkumu realizovan\u00e9ho letos v&nbsp;b\u0159eznu vyplynulo, \u017ee cel\u00fdch 42 % \u010cech\u016f nem\u00e1 \u017e\u00e1dn\u00fd \u201ez\u00e1lo\u017en\u00ed pl\u00e1n\u201c, pou\u017eiteln\u00fd v&nbsp;p\u0159\u00edpad\u011b v\u00e1\u017en\u00e9ho onemocn\u011bn\u00ed, kter\u00e9 m\u016f\u017ee zp\u016fsobit invaliditu. Kooperativa nyn\u00ed nab\u00edz\u00ed v\u00fdhodnou nab\u00eddku pr\u00e1v\u011b pro tyto p\u0159\u00edpady, kdy je lep\u0161\u00ed b\u00fdt p\u0159ipraven ne\u017e p\u0159ekvapen.<\/strong><br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z&nbsp;v\u00fdsledku pr\u016fzkumu vyplynulo, \u017ee a\u017e 60 procent \u010cech\u016f se domn\u00edv\u00e1, \u017ee hlavn\u00edmi p\u0159\u00ed\u010dinami invalidity jsou n\u00e1sledky \u00farazu \u010di nehod, polovina \u010cech\u016f si dokonce mysl\u00ed, \u017ee jim invaliditu zp\u016fsob\u00ed autonehoda. \u201eKdy\u017e se pod\u00edv\u00e1me na rok 2017, tak z&nbsp;celkov\u011b vypl\u00e1cen\u00fdch 424 tis\u00edc invalidn\u00edch d\u016fchod\u016f byl jen v&nbsp;19 tis\u00edc\u00edch p\u0159\u00edpad\u016f p\u0159\u00ed\u010dinou invalidity \u00faraz, tedy jen ve 4 % v\u0161ech p\u0159\u00edpad\u016f. Drtiv\u00e1 v\u011bt\u0161ina invalidit vznik\u00e1 n\u00e1sledkem nemoci\u201c, p\u0159edstavuje varovnou statistiku Filip Kr\u00e1l, \u010dlen p\u0159edstavenstva, zodpov\u011bdn\u00fd v&nbsp;Kooperativ\u011b za produktovou nab\u00eddku. <br><\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/e-zena.cz\/wp-content\/uploads\/2019\/05\/Kooperativa_Cesi-a-invalidita_infografika-1-840x840.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"4314\" height=\"3670\" src=\"https:\/\/e-zena.cz\/wp-content\/uploads\/2019\/05\/Kooperativa_Cesi-a-invalidita_infografika-1.jpg\" alt=\"40plus.cz\" class=\"wp-image-20248\" srcset=\"https:\/\/e-zena.cz\/wp-content\/uploads\/2019\/05\/Kooperativa_Cesi-a-invalidita_infografika-1.jpg 4314w, https:\/\/e-zena.cz\/wp-content\/uploads\/2019\/05\/Kooperativa_Cesi-a-invalidita_infografika-1-768x653.jpg 768w, https:\/\/e-zena.cz\/wp-content\/uploads\/2019\/05\/Kooperativa_Cesi-a-invalidita_infografika-1-1536x1307.jpg 1536w, https:\/\/e-zena.cz\/wp-content\/uploads\/2019\/05\/Kooperativa_Cesi-a-invalidita_infografika-1-2048x1742.jpg 2048w\" sizes=\"auto, (max-width: 4314px) 100vw, 4314px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Respondenti d\u00e1le uvedli, \u017ee vyu\u017e\u00edvaj\u00ed zejm\u00e9na povinn\u00e9 ru\u010den\u00ed, \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, nebo poji\u0161t\u011bn\u00ed dom\u00e1cnosti, kter\u00e1 jim v\u0161ak v p\u0159\u00edpad\u011b invalidity nepokryj\u00ed finan\u010dn\u00ed v\u00fdpadek p\u0159\u00edjmu. U zam\u011bstnance s\u00a0pr\u016fm\u011brn\u00fdm p\u0159\u00edjmem 23 tis\u00edc K\u010d \u010dist\u00e9ho se jedn\u00e1 a\u017e o 9500 K\u010d m\u011bs\u00ed\u010dn\u011b. <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Pod\u00edvejte se na mo\u017enosti <a href=\"https:\/\/www.srovnator.cz\/pojisteni-domacnosti\/\">poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Jarn\u00ed pr\u016fzkum odhalil i fakt, \u017ee t\u00e9m\u011b\u0159 polovina \u010cech\u016f (42 %) nen\u00ed na mo\u017enost invalidity p\u0159ipravena a nem\u00e1 \u017e\u00e1dn\u00fd \u201ez\u00e1lo\u017en\u00ed pl\u00e1n\u201c. Kdy\u017e u\u017e \u010ce\u0161i o invalidit\u011b p\u0159em\u00fd\u0161l\u00ed, dv\u011b t\u0159etiny z nich netu\u0161\u00ed, o kolik by jim sn\u00ed\u017eila m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem. \u010ctvrtina \u010cech\u016f uvedla, \u017ee v&nbsp;p\u0159\u00edpad\u011b v\u00fdhodn\u00e9 nab\u00eddky by po\u0159\u00edzen\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed zva\u017eovala. P\u0159itom po\u010d\u00e1te\u010dn\u00ed n\u00e1klady nap\u0159\u00edklad na \u00fapravu bydlen\u00ed nebo automobilu, p\u0159\u00edpadn\u011b na n\u00e1kup invalidn\u00edho voz\u00edku, lehce p\u0159es\u00e1hnou \u010d\u00e1stku 800 tis\u00edc K\u010d. P\u0159izn\u00e1n\u00edm invalidn\u00edho d\u016fchodu dojde z\u00e1rove\u0148 jak k&nbsp;v\u00fdrazn\u00e9mu sn\u00ed\u017een\u00ed p\u0159\u00edjmu, tak i k r\u016fstu \u017eivotn\u00edch n\u00e1klad\u016f, kdy vzrostou pravideln\u00e9 platby za l\u00e9ky, asistenty nebo l\u00e1zn\u011b a dal\u0161\u00ed l\u00e9\u010debn\u00e9 procedury. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eSystematicky doporu\u010dujeme na\u0161im poradc\u016fm, aby klient\u016fm vysv\u011btlovali a nab\u00edzeli zejm\u00e9na poji\u0161t\u011bn\u00ed pro v\u00e1\u017en\u00e9 situace, tedy z\u00e1va\u017en\u00e1 onemocn\u011bn\u00ed, invaliditu, \u00famrt\u00ed \u017eivitele rodiny, p\u0159\u00edpadn\u011b dlouhodobou pracovn\u00ed neschopnost. Z\u00e1rove\u0148 se sna\u017e\u00edme klienty na tato rizika upozornit zv\u00fdhodn\u011bn\u00fdmi nab\u00eddkami\u201c, dopl\u0148uje Filip Kr\u00e1l. <br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jednou z\u00a0nich je dvojn\u00e1sobn\u00e1 v\u00fdplata p\u0159i invalidit\u011b 3. stupn\u011b. Z\u00edskaj\u00ed ji klienti, kte\u0159\u00ed si od 1. dubna do 30. \u010dervna 2019 sjednaj\u00ed poji\u0161t\u011bn\u00ed invalidity v\u00a0r\u00e1mci FLEXI nebo FLEXI JUNIOR, a v budoucnu se stanou invalidn\u00edmi ve 3. stupni. Akce plat\u00ed i pro st\u00e1vaj\u00edc\u00ed poji\u0161t\u011bn\u00e9, dosp\u011bl\u00e9 osoby i d\u011bti, kte\u0159\u00ed si riziko invalidity do smlouvy poprv\u00e9 p\u0159idaj\u00ed, a to pro invaliditu zp\u016fsobenou \u00farazem i v\u00e1\u017en\u00fdm onemocn\u011bn\u00edm, a\u017e do v\u00fd\u0161e 1 milionu K\u010d. Minim\u00e1ln\u00ed pojistn\u00e1 \u010d\u00e1stka je 100\u00a0000 K\u010d. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>V&nbsp;dne\u0161n\u00ed dob\u011b tolik propagovan\u00e9ho pozitivn\u00edho my\u0161len\u00ed a \u017eivota v&nbsp;p\u0159\u00edtomnosti lid\u00e9 mohou t\u00edhnout k&nbsp;nep\u0159ipou\u0161t\u011bn\u00ed si probl\u00e9m\u016f. Rizika v\u0161ak nemiz\u00ed a nenad\u00e1l\u00e1 slo\u017eit\u00e1 situace se m\u016f\u017ee p\u0159ihodit komukoli a kdykoli. Z&nbsp;exkluzivn\u00edho pr\u016fzkumu realizovan\u00e9ho letos v&nbsp;b\u0159eznu vyplynulo, \u017ee cel\u00fdch 42 % \u010cech\u016f nem\u00e1 \u017e\u00e1dn\u00fd \u201ez\u00e1lo\u017en\u00ed pl\u00e1n\u201c, pou\u017eiteln\u00fd v&nbsp;p\u0159\u00edpad\u011b v\u00e1\u017en\u00e9ho onemocn\u011bn\u00ed, kter\u00e9 m\u016f\u017ee zp\u016fsobit invaliditu. Kooperativa nyn\u00ed nab\u00edz\u00ed v\u00fdhodnou [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":20249,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[9],"tags":[],"class_list":["post-20247","post","type-post","status-publish","format-standard","has-post-thumbnail","category-zpravy"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/e-zena.cz\/index.php?rest_route=\/wp\/v2\/posts\/20247","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/e-zena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/e-zena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/e-zena.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/e-zena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20247"}],"version-history":[{"count":0,"href":"https:\/\/e-zena.cz\/index.php?rest_route=\/wp\/v2\/posts\/20247\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/e-zena.cz\/index.php?rest_route=\/wp\/v2\/media\/20249"}],"wp:attachment":[{"href":"https:\/\/e-zena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20247"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/e-zena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20247"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/e-zena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20247"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}