{"id":7387,"date":"2026-04-05T18:53:20","date_gmt":"2026-04-05T18:53:20","guid":{"rendered":"https:\/\/fakt24.biz.ua\/?p=7387"},"modified":"2026-04-05T18:53:20","modified_gmt":"2026-04-05T18:53:20","slug":"pohrebni-pojisteni-co-potrebujete-vedet-abyste-se-spravne-rozhodli-2","status":"publish","type":"post","link":"https:\/\/fakt24.biz.ua\/?p=7387","title":{"rendered":"Poh\u0159ebn\u00ed poji\u0161t\u011bn\u00ed: Co pot\u0159ebujete v\u011bd\u011bt, abyste se spr\u00e1vn\u011b rozhodli"},"content":{"rendered":"\n<p><strong>Seps\u00e1n\u00ed \u201epoh\u0159ebn\u00ed smlouvy\u201c je moudr\u00e9 opat\u0159en\u00ed, kter\u00e9 v\u00e1m umo\u017en\u00ed u\u0161et\u0159it starosti va\u0161im bl\u00edzk\u00fdm v tak t\u011b\u017ek\u00e9 dob\u011b a z\u00e1rove\u0148 v\u00e1m d\u00e1v\u00e1 jistotu, \u017ee va\u0161e posledn\u00ed p\u0159\u00e1n\u00ed bude respektov\u00e1no.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"b4gvd\">Jak\u00fd je \u00fa\u010del pojistky pro p\u0159\u00edpad smrti?<\/h2>\n\n\n\n<p>T\u0159i \u010dtvrtiny&nbsp;&nbsp;<a href=\"https:\/\/actu.capital.fr\/votre-argent\/5-choses-a-savoir-avant-de-souscrire-une-assurance-obseques-1200775\">poh\u0159ebn\u00edch pojistek<\/a>&nbsp;&nbsp;hrad\u00ed prost\u0159ednictv\u00edm pojistitele pouze n\u00e1klady na poh\u0159eb.<\/p>\n\n\n\n<p>Zb\u00fdvaj\u00edc\u00ed \u010dtvrtina pokr\u00fdv\u00e1 tak\u00e9 slu\u017eby poh\u0159ebn\u00edho \u00fastavu, kter\u00fd zorganizuje poh\u0159eb v souladu s p\u0159edchoz\u00edm p\u0159\u00e1n\u00edm zesnul\u00e9ho.<\/p>\n\n\n\n<p>Jin\u00fdmi slovy, takov\u00e9 smlouvy slou\u017e\u00ed prim\u00e1rn\u011b k p\u0159edfinancov\u00e1n\u00ed poh\u0159bu prost\u0159ednictv\u00edm \u00fahrady pojistn\u00e9ho. Ve vz\u00e1cn\u00fdch p\u0159\u00edpadech mohou zahrnovat i poh\u0159ebn\u00ed slu\u017eby.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"e1hje\">Vytvo\u0159en\u00ed kapit\u00e1lu na poh\u0159ebn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p>Poh\u0159ebn\u00ed pojistky jsou smlouvy zalo\u017een\u00e9 na principu \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. Kapit\u00e1l splatn\u00fd v p\u0159\u00edpad\u011b \u00famrt\u00ed lze vytvo\u0159it t\u0159emi r\u016fzn\u00fdmi zp\u016fsoby. N\u00ed\u017ee uveden\u00e1 tabulka ukazuje \u010d\u00e1stky splatn\u00e9 podle v\u011bku v dob\u011b uzav\u0159en\u00ed smlouvy a typu smlouvy pro upsan\u00fd kapit\u00e1l 5 000 EUR.<\/p>\n\n\n\n<p><em><strong>&gt;&gt; Na\u0161e slu\u017eby \u2013 vyberte si spr\u00e1vn\u011b s na\u0161\u00edm n\u00e1strojem pro porovn\u00e1n\u00ed poh\u0159ebn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/em><\/p>\n\n\n\n<p>\u2013 Jednor\u00e1zov\u00e1 platba. Poji\u0161t\u011bn\u00fd zaplat\u00ed \u010d\u00e1stku po\u017eadovanou pojistitelem jednor\u00e1zov\u011b. Tento kapit\u00e1l bude ni\u017e\u0161\u00ed ne\u017e po\u010d\u00e1te\u010dn\u00ed pojistn\u00e9, proto\u017ee se budou na\u010d\u00edtat \u00faroky. \u010c\u00edm d\u0159\u00edve je smlouva uzav\u0159ena, t\u00edm ni\u017e\u0161\u00ed je jednor\u00e1zov\u00e9 pojistn\u00e9 za stejn\u00e9 pojistn\u00e9. Je v\u0161ak d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee vzhledem k tomu, \u017ee smlouvy o poh\u0159ebn\u00edm poji\u0161t\u011bn\u00ed se uzav\u00edraj\u00ed na dobu neur\u010ditou \u2013 v z\u00e1vislosti na datu \u00famrt\u00ed pojistn\u00edka \u2013 nelze kapit\u00e1l stanoven\u00fd p\u0159i podpisu smlouvy upravit o inflaci. N\u011bkter\u00e9 spole\u010dnosti kapit\u00e1l nikdy nezvy\u0161uj\u00ed nebo jej zvy\u0161uj\u00ed pouze m\u00edrn\u011b, tj. o m\u00e9n\u011b ne\u017e 1 %. Podle Francouzsk\u00e9 centr\u00e1ln\u00ed banky by v\u0161ak inflace mohla v roce 2019 dos\u00e1hnout 1,7 % a v roce 2020 1,8 %. To by mohlo v\u00fdrazn\u011b sn\u00ed\u017eit kupn\u00ed s\u00edlu. Proto je d\u016fle\u017eit\u00e9 pe\u010dliv\u011b prostudovat podm\u00ednky navy\u0161ov\u00e1n\u00ed kapit\u00e1lu.<\/p>\n\n\n\n<p><strong><em>&gt;&gt; Na\u0161e slu\u017eby \u2013 u\u0161et\u0159ete pen\u00edze s na\u0161\u00edm n\u00e1strojem pro porovn\u00e1n\u00ed zdravotn\u00edho poji\u0161t\u011bn\u00ed<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3ipoi\">Zakoupen\u00ed pojistky pro p\u0159\u00edpad smrti<\/h2>\n\n\n\n<p>V ka\u017ed\u00e9m p\u0159\u00edpad\u011b maj\u00ed pojistn\u00edci poh\u0159ebn\u00ed pojistky mo\u017enost po\u017e\u00e1dat o v\u00fdpov\u011b\u010f, kter\u00e1 jim umo\u017e\u0148uje ukon\u010dit pojistku a z\u00edskat zp\u011bt \u010d\u00e1st nashrom\u00e1\u017ed\u011bn\u00e9ho pojistn\u00e9ho. Toto je u\u017eite\u010dn\u00e9 \u0159e\u0161en\u00ed, kdy\u017e se placen\u00ed pojistn\u00e9ho stane p\u0159\u00edli\u0161 zat\u011b\u017euj\u00edc\u00edm, zejm\u00e9na proto, \u017ee pojistitel nem\u016f\u017ee platbu odm\u00edtnout. Ka\u017ed\u00e1 pojistka mus\u00ed v samostatn\u00e9 tabulce specifikovat \u201epoplatky za ukon\u010den\u00ed\u201c. Je v\u0161ak d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee 40 % spole\u010dnost\u00ed si za to \u00fa\u010dtuje poplatky, kter\u00e9 mohou p\u0159es\u00e1hnout 20 % zaplacen\u00e9ho pojistn\u00e9ho. Pojistn\u00edk se tak\u00e9 m\u016f\u017ee rozhodnout pro sn\u00ed\u017eenou pojistnou \u010d\u00e1stku, co\u017e znamen\u00e1, \u017ee p\u0159estane platit pojistn\u00e9 a pojistku si ponech\u00e1 v pom\u011bru k zaplacen\u00e9mu pojistn\u00e9mu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"c9l5d\">Porovn\u00e1n\u00ed poh\u0159ebn\u00edch poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p>Z\u00e1v\u011bre\u010dn\u00e9 tipy p\u0159ed p\u0159ihl\u00e1\u0161en\u00edm k odb\u011bru:<\/p>\n\n\n\n<p>\u2013 Pe\u010dliv\u011b zkontrolujte mechanismus p\u0159ece\u0148ov\u00e1n\u00ed kapit\u00e1lu (v n\u011bkter\u00fdch smlouv\u00e1ch se splacen\u00fd kapit\u00e1l aktualizuje jen m\u00edrn\u011b, v jin\u00fdch se neaktualizuje v\u016fbec).<\/p>\n\n\n\n<p>\u2013 Zvl\u00e1\u0161tn\u00ed pozornost v\u011bnujte \u010dekac\u00ed dob\u011b (obdob\u00ed od 9 m\u011bs\u00edc\u016f do dvou let, b\u011bhem kter\u00e9ho se z\u00e1ruka nevztahuje \u2013 sebevra\u017eda je po dobu jednoho roku vylou\u010dena).<\/p>\n\n\n\n<p>\u2013 Po\u017e\u00e1dejte n\u011bkolik poji\u0161\u0165oven o p\u0159esnou cenovou nab\u00eddku pro ka\u017edou formu poji\u0161t\u011bn\u00ed, abyste si mohli porovnat nab\u00eddky za v\u00fdhodn\u00fdch podm\u00ednek, zejm\u00e9na po pou\u017eit\u00ed na\u0161eho n\u00e1stroje pro porovn\u00e1n\u00ed poh\u0159ebn\u00edho poji\u0161t\u011bn\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"Seps\u00e1n\u00ed \u201epoh\u0159ebn\u00ed smlouvy\u201c je moudr\u00e9 opat\u0159en\u00ed, kter\u00e9 v\u00e1m umo\u017en\u00ed u\u0161et\u0159it starosti va\u0161im bl\u00edzk\u00fdm v tak t\u011b\u017ek\u00e9 dob\u011b a z\u00e1rove\u0148 v\u00e1m d\u00e1v\u00e1 jistotu, \u017ee \n<a class=\"moretag\" href=\"https:\/\/fakt24.biz.ua\/?p=7387\"> [...]<\/a>","protected":false},"author":1,"featured_media":7388,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/fakt24.biz.ua\/index.php?rest_route=\/wp\/v2\/posts\/7387","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fakt24.biz.ua\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fakt24.biz.ua\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fakt24.biz.ua\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fakt24.biz.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7387"}],"version-history":[{"count":1,"href":"https:\/\/fakt24.biz.ua\/index.php?rest_route=\/wp\/v2\/posts\/7387\/revisions"}],"predecessor-version":[{"id":7389,"href":"https:\/\/fakt24.biz.ua\/index.php?rest_route=\/wp\/v2\/posts\/7387\/revisions\/7389"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fakt24.biz.ua\/index.php?rest_route=\/wp\/v2\/media\/7388"}],"wp:attachment":[{"href":"https:\/\/fakt24.biz.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7387"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fakt24.biz.ua\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7387"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fakt24.biz.ua\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7387"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}