{"id":10233,"date":"2025-04-29T14:34:19","date_gmt":"2025-04-29T12:34:19","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=10233"},"modified":"2025-05-15T09:38:36","modified_gmt":"2025-05-15T07:38:36","slug":"zivotna-poistka-a-cakacie-doby-co-potrebujete-vediet-pred-uzatvorenim-zmluvy","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/zivotna-poistka-a-cakacie-doby-co-potrebujete-vediet-pred-uzatvorenim-zmluvy\/","title":{"rendered":"\u017divotn\u00e1 poistka a \u010dakacie doby: \u010co potrebujete vedie\u0165 pred uzatvoren\u00edm zmluvy"},"content":{"rendered":"\n<p><strong>\u010coraz viac pois\u0165ovn\u00ed pon\u00faka \u017eivotn\u00e9 poistky, ktor\u00e9 nemaj\u00fa \u010dakacie doby. Poistn\u00fa ochranu v\u00e1m tak poskytuj\u00fa hne\u010f od uzavretia zmluvy a nemus\u00edte \u010daka\u0165 nieko\u013eko mesiacov, ako to b\u00fdvalo zvykom. Viete, na \u010do sl\u00fa\u017eia \u010dakacie doby a ako dlho trvaj\u00fa? V\u0161etko podstatn\u00e9 sa dozviete v na\u0161om \u010dl\u00e1nku.<\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">\u017divotn\u00e1 poistka a \u010dakacie doby<\/h2>\n\n\n\n<p>\u010cakacia doba predstavuje obdobie od podpisu zmluvy \u017eivotn\u00e9ho poistenia, po\u010das ktor\u00e9ho niektor\u00e9 rizik\u00e1 nem\u00e1te kryt\u00e9. Ak by v\u00e1m po\u010das tohto obdobia diagnostikovali v\u00e1\u017ene ochorenie, stali by ste sa invalidn\u00fdm alebo by ste nast\u00fapili na PN-ku, pois\u0165ov\u0148a v\u00e1m nevyplat\u00ed peniaze z poistn\u00e9ho plnenia.<\/p>\n\n\n\n<p>\u010cakacie doby n\u00e1jdete v podmienkach svojho \u017eivotn\u00e9ho poistenia. Vz\u0165ahuj\u00fa sa najm\u00e4 na ve\u013ek\u00e9 poistn\u00e9 rizik\u00e1, medzi ktor\u00e9 patr\u00ed smr\u0165, invalidita, <a href=\"https:\/\/www.fingo.sk\/blog\/rakovina-a-ine-kriticke-ochorenia-su-financne-narocne-ako-sa-chranit\/\">kritick\u00e9 ochorenia<\/a> a pr\u00e1ceneschopnos\u0165.<\/p>\n\n\n\n<p>Trendom je, \u017ee pois\u0165ovne \u010dakacie doby skracuj\u00fa a pri niektor\u00fdch rizik\u00e1ch od nich \u00faplne up\u00fa\u0161\u0165aj\u00fa. Aj ke\u010f prest\u00fapite z jednej pois\u0165ovne do druhej, viacer\u00e9 pois\u0165ovne u\u017e absolvovan\u00e9 \u010dakacie doby preberaj\u00fa a vych\u00e1dzaj\u00fa tak klientom v \u00fastrety.<\/p>\n\n\n\n<p><strong><em>Nem\u00e1te \u017eiadne poistenie? Pre\u010d\u00edtajte si aj \u010dl\u00e1nok <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/oplati-sa-zivotne-poistenie-preco-ho-mat-a-ako-ho-spravne-nastavit\/\"><strong><em>Oplat\u00ed sa \u017eivotn\u00e9 poistenie? Pre\u010do ho ma\u0165 a ako ho spr\u00e1vne nastavi\u0165?<\/em><\/strong><\/a><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Na \u010do sl\u00fa\u017ei \u010dakacia doba<\/h2>\n\n\n\n<p>\u010cakacia doba sl\u00fa\u017ei pois\u0165ovniam ako ochrana pred podvodmi, ak by klienti \u00fa\u010delovo prem\u00fd\u0161\u013eali sp\u00f4sobom: \u201eSom v\u00e1\u017ene chor\u00fd, tak sa r\u00fdchlo poist\u00edm.<\/p>\n\n\n\n<ul>\n<li>Nie je rozumn\u00e9 uzatv\u00e1ra\u0165 si \u017eivotn\u00e9 poistenie a\u017e vo chv\u00edli, ke\u010f u\u017e m\u00e1te podozrenie na v\u00e1\u017eny zdravotn\u00fd probl\u00e9m.<\/li>\n\n\n\n<li>Tak ako<a href=\"https:\/\/www.fingo.sk\/poistenie\/pzphttps:\/www.fingo.sk\/poistenie\/pzp\"> PZP<\/a> \u010di <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">poistenie majetku<\/a>, aj \u017eivotn\u00e9 poistenie m\u00e1 kry\u0165 potenci\u00e1lne mo\u017en\u00e9 \u0161kodov\u00e9 udalosti. Nie tak\u00e9, ktor\u00e9 s istotou pr\u00eddu.<\/li>\n\n\n\n<li>Preto sa \u010dakacie doby logicky nevz\u0165ahuj\u00fa na <a href=\"https:\/\/www.fingo.sk\/urazove-poistenie-online\">rizik\u00e1 spojen\u00e9 s \u00farazmi.<\/a> T\u00fdka sa to denn\u00e9ho od\u0161kodn\u00e9ho, invalidity z d\u00f4vodu \u00farazu, trval\u00fdch n\u00e1sledkov \u00farazu aj smrti v d\u00f4sledku \u00farazu.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=zivot_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/09\/Fingo.sk-zivotne-poistenie-kalkulacka.gif\" alt=\"Fingo.sk \u017eivotn\u00e9 poistenie kalkula\u010dka\" class=\"wp-image-6529\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Ak\u00e9 s\u00fa priemern\u00e9 \u010dakacie doby<\/h2>\n\n\n\n<p>D\u013a\u017eka \u010dakacej doby z\u00e1vis\u00ed od poisten\u00e9ho rizika, v niektor\u00fdch pois\u0165ovniach aj od konkr\u00e9tnej diagn\u00f3zy. Niektor\u00e9 pois\u0165ovne uplat\u0148uj\u00fa rovnak\u00e9 \u010dakacie doby, in\u00e9 sa v nich m\u00f4\u017eu v\u00fdrazne l\u00ed\u0161i\u0165.<\/p>\n\n\n\n<ul>\n<li>Napr\u00edklad pr\u00e1ceneschopnos\u0165 z d\u00f4vodu choroby maj\u00fa pois\u0165ovne \u010dakacie doby 2 a\u017e 3 mesiace, ale pri pr\u00e1ceneschopnosti kv\u00f4li ochoreniu k\u013abov a chrbtice to m\u00f4\u017ee by\u0165 12 a\u017e 24 mesiacov.<\/li>\n\n\n\n<li>\u010co sa t\u00fdka kritick\u00fdch ochoren\u00ed, na trhu s\u00fa u\u017e pois\u0165ovne, ktor\u00e9 v\u00e1s vedia kry\u0165 hne\u010f, \u010di\u017ee nemus\u00edte \u010daka\u0165. V\u00e4\u010d\u0161ina pois\u0165ovn\u00ed v\u0161ak m\u00e1 \u0161peci\u00e1lne na onkologick\u00e9 ochorenia 3-mesa\u010dn\u00fa lehotu, a napr\u00edklad jedna z pois\u0165ovn\u00ed pri skler\u00f3ze multiplex uplat\u0148uje a\u017e 12-mesa\u010dn\u00fa lehotu.<\/li>\n\n\n\n<li>Rizik\u00e1 spojen\u00e9 s tehotenstvom a p\u00f4rodom maj\u00fa svoje samostatn\u00e9 lehoty.\n<ul>\n<li><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"464\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/04\/cakacie-doby-v-zivotnom-poisteni.png\" alt=\"\" class=\"wp-image-10237\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/04\/cakacie-doby-v-zivotnom-poisteni.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/04\/cakacie-doby-v-zivotnom-poisteni-300x136.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/04\/cakacie-doby-v-zivotnom-poisteni-768x348.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Pri navy\u0161ovan\u00ed poistn\u00fdch s\u00fam dajte pozor<\/h2>\n\n\n\n<p>Ak ste si u\u017e vo svojom poisten\u00ed pre\u0161li \u010dakac\u00edmi dobami a teraz sa rozhodnete pre zmenu pois\u0165ovne, m\u00f4\u017ee by\u0165 pre v\u00e1s v\u00fdhodnej\u0161ie <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">vybra\u0165 si tak\u00fa pois\u0165ov\u0148u,<\/a> ktor\u00e1 va\u0161e \u010dakacie doby preberie. Ale ak si z\u00e1rove\u0148 chcete nav\u00fd\u0161i\u0165 poistn\u00e9 sumy, dajte si &nbsp;pozor. Pri navy\u0161ovan\u00ed poistn\u00fdch s\u00fam st\u00e1le treba po\u010d\u00edta\u0165 s \u010dakac\u00edmi dobami.<\/p>\n\n\n\n<p><strong>Pr\u00edklad: <\/strong>Ak ste boli v minulosti poisten\u00fd na kritick\u00e9 ochorenia napr\u00edklad na 30 000 eur, ale poistn\u00fa sumu si chcete nav\u00fd\u0161i\u0165 na 50 000 eur, op\u00e4\u0165 mus\u00edte r\u00e1ta\u0165 s \u010dakacou dobou v rozsahu pod\u013ea pois\u0165ovne. A to nielen ak prest\u00fapite do inej pois\u0165ovne, ale aj vtedy, ak ostanete vo svojej p\u00f4vodnej pois\u0165ovni, ktor\u00e1 na toto riziko uplat\u0148uje \u010dakacie doby.<\/p>\n\n\n\n<p><strong><em>Zauj\u00edma v\u00e1s, \u010do v\u0161etko si viete pripoisti\u0165? Pre\u010d\u00edtajte si aj n\u00e1\u0161 \u010dl\u00e1nok <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vybrat-zivotne-poistenie-a-co-ma-obsahovat\/\"><strong><em>Ako si vybra\u0165 \u017eivotn\u00e9 poistenie v roku 2025 <\/em><\/strong><\/a><strong><em><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Svoju \u017eivotn\u00fa poistku raz za \u010das skontrolujte<\/h2>\n\n\n\n<p>V na\u0161om ned\u00e1vnom prieskume viac ako dve tretiny makl\u00e9rov (71 %) uviedli, \u017ee sa ich klienti zauj\u00edmaj\u00fa o kontrolu svojich existuj\u00facich zml\u00fav \u017eivotn\u00e9ho poistenia. Vrav\u00edte si, pre\u010do je to d\u00f4le\u017eit\u00e9?<\/p>\n\n\n\n<p>\u013dudia <a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\">pri kontrole svojej zmluvy<\/a> uzavretej pred 3 \u010di 5 rokmi alebo aj d\u00e1vnej\u0161ie, ve\u013eakr\u00e1t zistia, \u017ee ich poistka u\u017e nest\u00edha \u201edr\u017ea\u0165 krok\u201d s ich \u017eivotn\u00fdm \u0161tandardom, vy\u0161\u0161\u00edmi pr\u00edjmami, hypot\u00e9kou alebo in\u00fdmi zmenami. Zv\u00e4\u010d\u0161a s\u00fa poisten\u00ed na n\u00edzke poistn\u00e9 sumy alebo im ch\u00fdbaj\u00fa d\u00f4le\u017eit\u00e9 pripoistenia, ktor\u00e9 si potom m\u00f4\u017eu doplni\u0165.&nbsp;<\/p>\n\n\n\n<p><strong>TIP:<\/strong> V poslednom obdob\u00ed zaznamen\u00e1vame vy\u0161\u0161\u00ed z\u00e1ujem klientov nielen o kontrolu ich \u017eivotn\u00e9ho poistenia, ale aj o prenos ich zmluvy do inej pois\u0165ovne, ke\u010f\u017ee v\u00e4\u010d\u0161ina pois\u0165ovn\u00ed akceptuje prenos \u010dakac\u00edch d\u00f4b.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Va\u0161a \u017eivotn\u00e1 poistka s Fingom<\/h2>\n\n\n\n<p>Naj\u010dastej\u0161\u00edmi d\u00f4vodmi, ktor\u00e9 \u013eud\u00ed motivuj\u00fa k zmene pois\u0165ovne, s\u00fa <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">nov\u00e9 poistn\u00e9 bal\u00ed\u010dky,<\/a> aktu\u00e1lnej\u0161ie pripoistenia, menej v\u00fdluk alebo&nbsp;pokrytie v\u00e4\u010d\u0161ieho mno\u017estva \u00farazov a&nbsp;ochoren\u00ed.<\/p>\n\n\n\n<p>Ako ste na tom vy? Ak neviete, ako v\u00e1s kryje va\u0161a \u017eivotn\u00e1 poistka alebo ak <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">\u017eiadne poistenie<\/a> nem\u00e1te a chcete si ho uzavrie\u0165, finan\u010dn\u00ed sprostredkovatelia z FinGO.sk v\u00e1m radi pom\u00f4\u017eu. Na\u0161i \u0161pecialisti maj\u00fa dlhoro\u010dn\u00e9 sk\u00fasenosti a m\u00f4\u017eete sa na nich obr\u00e1ti\u0165 aj so star\u0161\u00edmi zmluvami \u017eivotn\u00e9ho poistenia.<\/p>\n\n\n\n<p>N\u00e1jdete n\u00e1s na pobo\u010dk\u00e1ch na celom Slovensku, viete sa s nami spoji\u0165 aj telefonicky alebo online. Zavolajte n\u00e1m na 0800 60 10 60 alebo n\u00e1m zanechajte svoje <a href=\"https:\/\/www.fingo.sk\/kontakty\">kontaktn\u00e9 \u00fadaje<\/a> a my sa v\u00e1m ozveme.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_life_insurance\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=life_insurance\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>\u010coraz viac pois\u0165ovn\u00ed pon\u00faka \u017eivotn\u00e9 poistky, ktor\u00e9 nemaj\u00fa \u010dakacie doby. Poistn\u00fa ochranu v\u00e1m tak poskytuj\u00fa hne\u010f od uzavretia zmluvy a nemus\u00edte \u010daka\u0165 nieko\u013eko mesiacov, ako to b\u00fdvalo zvykom. Viete, na \u010do sl\u00fa\u017eia \u010dakacie doby a ako dlho trvaj\u00fa? V\u0161etko podstatn\u00e9 sa dozviete v na\u0161om \u010dl\u00e1nku. \u017divotn\u00e1 poistka a \u010dakacie doby \u010cakacia doba predstavuje obdobie od podpisu zmluvy \u017eivotn\u00e9ho poistenia, po\u010das ktor\u00e9ho niektor\u00e9 rizik\u00e1 nem\u00e1te kryt\u00e9. Ak by v\u00e1m po\u010das tohto obdobia diagnostikovali v\u00e1\u017ene ochorenie, stali by ste sa invalidn\u00fdm alebo by ste nast\u00fapili na PN-ku, pois\u0165ov\u0148a v\u00e1m nevyplat\u00ed peniaze z poistn\u00e9ho plnenia. \u010cakacie doby n\u00e1jdete v podmienkach svojho \u017eivotn\u00e9ho poistenia. Vz\u0165ahuj\u00fa sa najm\u00e4 na ve\u013ek\u00e9 poistn\u00e9 rizik\u00e1, medzi ktor\u00e9 patr\u00ed smr\u0165, invalidita, kritick\u00e9 ochorenia a pr\u00e1ceneschopnos\u0165. Trendom je, \u017ee pois\u0165ovne \u010dakacie doby skracuj\u00fa a pri niektor\u00fdch rizik\u00e1ch od nich \u00faplne up\u00fa\u0161\u0165aj\u00fa. Aj ke\u010f prest\u00fapite z jednej pois\u0165ovne do druhej, viacer\u00e9 pois\u0165ovne u\u017e absolvovan\u00e9 \u010dakacie doby preberaj\u00fa a vych\u00e1dzaj\u00fa tak klientom v \u00fastrety. Nem\u00e1te \u017eiadne poistenie? Pre\u010d\u00edtajte si aj \u010dl\u00e1nok Oplat\u00ed sa \u017eivotn\u00e9 poistenie? Pre\u010do ho ma\u0165 a ako ho spr\u00e1vne nastavi\u0165? Na \u010do sl\u00fa\u017ei \u010dakacia doba \u010cakacia doba sl\u00fa\u017ei pois\u0165ovniam ako ochrana pred podvodmi, ak by klienti \u00fa\u010delovo prem\u00fd\u0161\u013eali sp\u00f4sobom: \u201eSom v\u00e1\u017ene chor\u00fd, tak sa r\u00fdchlo poist\u00edm. Ak\u00e9 s\u00fa priemern\u00e9 [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":10236,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[15],"tags":[89],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u017divotn\u00e1 poistka a \u010dakacie doby: V\u0161etko, \u010do potrebujete vedie\u0165<\/title>\n<meta name=\"description\" content=\"Zistite, \u010do s\u00fa \u010dakacie doby pri \u017eivotnej poistke, ako ovplyv\u0148uj\u00fa va\u0161e krytie a pre\u010do si dnes m\u00f4\u017eete uzavrie\u0165 \u017eivotn\u00fa poistku aj bez \u010dakania.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/zivotna-poistka-a-cakacie-doby-co-potrebujete-vediet-pred-uzatvorenim-zmluvy\/\" 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