[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/zivotni-pojisteni-jako-forma-investice\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/zivotni-pojisteni-jako-forma-investice\/","headline":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed jako forma investice","name":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed jako forma investice","description":"Samoz\u0159ejm\u011b, \u017ee sly\u0161eli. I p\u0159es to, \u017ee poji\u0161t\u011bn\u00ed existuje mnoho forem, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pat\u0159\u00ed k t\u011bm nejv\u00edce sklo\u0148ovan\u00fdm. Zn\u00e1te i vy jeho v\u00fdhody? \u0160irok\u00e1 n\u00e1ru\u010d zabezpe\u010den\u00ed \u017divotn\u00ed poji\u0161t\u011bn\u00ed m\u00e1 mnoho podob. Z\u00e1kladn\u00edmi jsou ov\u0161em t\u0159i formy: ·         pro p\u0159\u00edpad smrti ·         pro p\u0159\u00edpad do\u017eit\u00ed ·         kombinovan\u00e1 forma (tedy ob\u011b dv\u011b p\u0159edchoz\u00ed formy dohromady) Poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad …

\u017divotn\u00ed poji\u0161t\u011bn\u00ed jako forma investice<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2018-01-27","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a311227_w1990_t1522135191.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a311227_w1990_t1522135191.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/zivotni-pojisteni-jako-forma-investice\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":504,"articleBody":"\tSamoz\u0159ejm\u011b, \u017ee sly\u0161eli. I p\u0159es to, \u017ee poji\u0161t\u011bn\u00ed existuje mnoho forem, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pat\u0159\u00ed k t\u011bm nejv\u00edce sklo\u0148ovan\u00fdm. Zn\u00e1te i vy jeho v\u00fdhody?\t\u0160irok\u00e1 n\u00e1ru\u010d zabezpe\u010den\u00ed\t\u017divotn\u00ed poji\u0161t\u011bn\u00ed m\u00e1 mnoho podob. Z\u00e1kladn\u00edmi jsou ov\u0161em t\u0159i formy:\t·         pro p\u0159\u00edpad smrti\t·         pro p\u0159\u00edpad do\u017eit\u00ed\t·         kombinovan\u00e1 forma (tedy ob\u011b dv\u011b p\u0159edchoz\u00ed formy dohromady)\t\tPoji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti asi nemus\u00edme nijak \u0161iroce rozeb\u00edrat- v p\u0159\u00edpad\u011b va\u0161\u00ed smrti p\u0159ipadne ur\u010dit\u00e1 finan\u010dn\u00ed \u010d\u00e1stka v\u00e1mi zvolen\u00fdm lidem. Pokud se tedy pojist\u00edte pro p\u0159\u00edpad smrti na \u010d\u00e1stku 100 000 K\u010d, lze pak ur\u010dit, \u017ee 50% z t\u00e9to \u010d\u00e1stky dostane va\u0161e drah\u00e1 polovi\u010dka a dv\u011b d\u011bti po 25%. Rozd\u011blen\u00ed prost\u0159edk\u016f je tedy p\u0159edem jasn\u011b ur\u010den\u00e9 a nevzniknou kolem n\u011bho \u017e\u00e1dn\u00e9 spory.\tPoji\u0161t\u011bn\u00ed pro p\u0159\u00edpad do\u017eit\u00ed v\u0161ak mnoha lidem mot\u00e1 hlavu trochu v\u00edce. P\u0159itom se jedn\u00e1 o pom\u011brn\u011b d\u016fle\u017eit\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 je pouze trochu slo\u017eit\u011bji \u0159e\u010deno- poji\u0161\u0165ujete se pro p\u0159\u00edpad, \u017ee byste m\u011bli dlouhodob\u011b n\u00e1sledky v d\u016fsledku \u00farazu. \u010c\u00e1stky, na kter\u00e9 se zde poji\u0161\u0165uje, jsou trochu vy\u0161\u0161\u00ed, ne\u017e u p\u0159edchoz\u00ed varianty, ale myslete tak\u00e9 na to, na kolik p\u00e9\u010de o takovou osobu stoj\u00ed…\tK tomu samoz\u0159ejm\u011b p\u0159ipad\u00e1 spoustu p\u0159ipoji\u0161t\u011bn\u00ed. Na vrcholu se samoz\u0159ejm\u011b dr\u017e\u00ed p\u0159ipoji\u0161t\u011bn\u00ed pro p\u0159\u00edpad \u00farazu. Kdy\u017e si tedy zlom\u00edte ruku, m\u016f\u017ee v\u00e1s alespo\u0148 h\u0159\u00e1t my\u0161lenka, \u017ee do rozpo\u010dtu ovlivn\u011bn\u00e9ho va\u0161\u00ed indispozic\u00ed p\u0159ibude p\u00e1r korun od poji\u0161\u0165ovny.\tD\u00e1le se m\u016f\u017eete p\u0159ipojistit pro p\u0159\u00edpad nemoci (vol\u00edte \u010d\u00e1stku, kterou obdr\u017e\u00edte za ka\u017ed\u00fd den na neschopence), pro p\u0159\u00edpad pobytu v nemocnici (stejn\u00fd princip) nebo pro p\u0159\u00edpad invalidn\u00edho d\u016fchodu \u010di v\u00e1\u017en\u00e9 nemoci. Posledn\u00ed dv\u011b polo\u017eky jsou samoz\u0159ejm\u011b n\u00e1kladn\u011bj\u0161\u00ed a poji\u0161\u0165ovna si trochu v\u00edce prozkoum\u00e1v\u00e1 va\u0161\u00ed zdravotn\u00ed dokumentaci, pokud jste ale doposud nem\u011bli \u017e\u00e1dn\u00e9 v\u00e1\u017en\u011bj\u0161\u00ed zdravotn\u00ed probl\u00e9my, nem\u00e1te se \u010deho ob\u00e1vat.\t\tVratn\u00e1 investice do va\u0161eho zdrav\u00ed\t\u017divotn\u00ed poji\u0161t\u011bn\u00ed se uzav\u00edr\u00e1 v\u017edy na dobu ur\u010ditou v \u0159\u00e1du n\u011bkolika let. Pokud se s poji\u0161\u0165ovnou dohodnete na investi\u010dn\u00ed form\u011b \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, zprost\u0159edkovatel bude v\u00e1mi placen\u00e9 pojistn\u00e9 investovat a takto zhodnocen\u00e9 prost\u0159edky se v\u00e1m po ukon\u010den\u00ed pojistn\u00e9 doby vyplat\u00ed. Samoz\u0159ejm\u011b jako ka\u017ed\u00e1 investice i tato obn\u00e1\u0161\u00ed r\u016fzn\u00e1 rizika a je v\u017edy z\u00e1hodno je se zprost\u0159edkovatelem prodiskutovat a zhodnotit. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed jako forma investice","item":"https:\/\/www.zerba.cz\/zivotni-pojisteni-jako-forma-investice\/#breadcrumbitem"}]}]