{"id":10798,"date":"2025-12-10T13:03:05","date_gmt":"2025-12-10T12:03:05","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=10798"},"modified":"2025-12-10T13:03:07","modified_gmt":"2025-12-10T12:03:07","slug":"najcastejsie-chyby-pri-zivotnom-poisteni-a-ako-sa-im-vyhnut","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/najcastejsie-chyby-pri-zivotnom-poisteni-a-ako-sa-im-vyhnut\/","title":{"rendered":"Naj\u010dastej\u0161ie chyby pri \u017eivotnom poisten\u00ed a ako sa im vyhn\u00fa\u0165"},"content":{"rendered":"\n<p><strong>Mnoh\u00ed Slov\u00e1ci robia pri \u017eivotnom poisten\u00ed chyby, ktor\u00e9 ich m\u00f4\u017eu st\u00e1\u0165 tis\u00edce eur. Uzatv\u00e1raj\u00fa si poistenie neskoro, zaml\u010dia svoj zdravotn\u00fd stav \u010di rizikov\u00e9 povolanie, pr\u00edpadne uprednostnia ni\u017e\u0161iu cenu na \u00fakor poistn\u00e9ho krytia. Ako sa vyhn\u00fa\u0165 \u010dast\u00fdm chyb\u00e1m, ktor\u00e9 by ste nesk\u00f4r mohli o\u013eutova\u0165?\u00a0<\/strong><\/p>\n\n\n\n<p>Ve\u013ea \u013eud\u00ed sa pri v\u00fdbere <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">\u017eivotn\u00e9ho poistenia<\/a> riadi najm\u00e4 cenou alebo zau\u017e\u00edvan\u00fdmi stereotypmi. Spr\u00e1vne nastaven\u00e9 poistenie v\u0161ak nie je o cene, ale o ochrane. M\u00e1 pokr\u00fdva\u0165 re\u00e1lne rizik\u00e1, z\u00e1v\u00e4zky a potreby rodiny. Inak sa m\u00f4\u017ee sta\u0165, \u017ee v \u0165a\u017ekej \u017eivotnej situ\u00e1cii poistenie nebude plni\u0165 svoj \u00fa\u010del a pois\u0165ov\u0148a nemus\u00ed vyplati\u0165 poistn\u00e9 plnenie, aj ke\u010f ste si poistku poctivo platili cel\u00e9 roky.\u00a0<\/p>\n\n\n\n<p>Pozrime sa spolu na naj\u010dastej\u0161ie chyby, ktor\u00fdch sa \u013eudia pri \u017eivotnom poisten\u00ed dop\u00fa\u0161\u0165aj\u00fa. A prid\u00e1me aj p\u00e1r jednoduch\u00fdch tipov, ako sa im vyhn\u00fa\u0165 alebo ich napravi\u0165.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Poistenie odklad\u00e1te, k\u00fdm nepr\u00eddu zdravotn\u00e9 probl\u00e9my<\/h2>\n\n\n\n<p>Ak sa poist\u00edte a\u017e po diagnostikovan\u00ed v\u00e1\u017enej choroby, pois\u0165ov\u0148a toto ochorenie ani jeho n\u00e1sledky nekryje. Navy\u0161e v\u00e1m m\u00f4\u017ee zv\u00fd\u0161i\u0165 cenu poistenia.<\/p>\n\n\n\n<p>Pr\u00edklad: Klient sa poistil a\u017e po diagnostikovan\u00ed cukrovky. Pois\u0165ov\u0148a mu preto odmietla preplati\u0165 komplik\u00e1cie spojen\u00e9 s t\u00fdmto ochoren\u00edm.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> Poistite sa, k\u00fdm ste zdrav\u00ed \u2013 m\u00e1te viac mo\u017enost\u00ed aj lep\u0161ie podmienky.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Mysl\u00edte si, \u017ee v\u00e1m sta\u010d\u00ed \u00farazov\u00e9 poistenie<\/h2>\n\n\n\n<p>\u00darazy tvoria len mal\u00e9 percento poistn\u00fdch udalost\u00ed. V\u00e4\u010d\u0161ina poistn\u00fdch plnen\u00ed sa t\u00fdka v\u00e1\u017enych ochoren\u00ed ako s\u00fa rakovina \u010di srdcov\u00e9 choroby.<\/p>\n\n\n\n<p>Pr\u00edklad: \u017divnostn\u00edk mal uzavret\u00e9 len <a href=\"https:\/\/www.fingo.sk\/urazove-poistenie-online\">\u00farazov\u00e9 poistenie<\/a>, a tak po diagn\u00f3ze rakoviny nedostal od pois\u0165ovne ni\u010d.<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Poistenie by malo kry\u0165 aj v\u00e1\u017ene ochorenia, invaliditu a \u010fal\u0161ie mo\u017en\u00e9 v\u00fdpadky pr\u00edjmu.<\/p>\n\n\n\n<p><strong><em>Viac sa dozviete aj v \u010dl\u00e1nku <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-kritickych-ochoreni-a-znizenej-sebestacnosti-ako-ochranit-seba-a-rodinu\/\"><strong><em>o poisten\u00ed kritick\u00fdch ochoren\u00ed a zn\u00ed\u017eenej sebesta\u010dnosti.&nbsp;<\/em><\/strong><\/a><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Zaml\u010d\u00edte svoj zdravotn\u00fd stav<\/h2>\n\n\n\n<p>Niektor\u00ed klienti v dotazn\u00edku neuv\u00e1dzaj\u00fa chronick\u00e9 ochorenia \u010di pravidelne u\u017e\u00edvan\u00e9 lieky, aby ich poistka vy\u0161la lacnej\u0161ie. Pois\u0165ov\u0148a v\u0161ak pri \u0161kodovej udalosti m\u00f4\u017ee v\u0161etko preveri\u0165 a plnenie odmietnu\u0165.<\/p>\n\n\n\n<p>Pr\u00edklad: Klient zatajil vysok\u00fd tlak a po mozgovej pr\u00edhode mu pois\u0165ov\u0148a nevyplatila ni\u010d.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> \u00daprimnos\u0165 sa vypl\u00e1ca. Aj s malou prir\u00e1\u017ekou m\u00e1te istotu pln\u00e9ho krytia.<\/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\">Zataj\u00edte rizikov\u00e9 povolanie alebo \u0161port<\/h2>\n\n\n\n<p>Rizikov\u00e1 pr\u00e1ca \u010di akt\u00edvne \u0161portovanie musia by\u0165 v poistke uveden\u00e9. Ak ich zataj\u00edte, pois\u0165ov\u0148a v\u00e1m m\u00f4\u017ee poistn\u00e9 plnenie zamietnu\u0165.<\/p>\n\n\n\n<p>Pr\u00edklad: Peter hral futbal v amat\u00e9rskej lige, no v poistke to neuviedol. Po \u00faraze kolena mu pois\u0165ov\u0148a nevyplatila ni\u010d.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> \u00daprimne priznajte povolanie aj \u0161porty. Ide o va\u0161u ochranu.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Vyberiete si najlacnej\u0161ie krytie<\/h2>\n\n\n\n<p>Lacnej\u0161ia poistka \u010dasto znamen\u00e1 slab\u0161iu ochranu. Ak v\u00e1m poistn\u00e1 suma nesta\u010d\u00ed ani na pokrytie \u00faverov, poistka v\u00e1m v kr\u00edzovej situ\u00e1cii nepom\u00f4\u017ee.<\/p>\n\n\n\n<p>Pr\u00edklad: Ak m\u00e1 rodina hypot\u00e9ku 150 000 eur, no poistenie smrti len na 10 000 eur, v pr\u00edpade trag\u00e9die bud\u00fa pozostal\u00ed zvy\u0161ok spl\u00e1ca\u0165 z vlastn\u00fdch \u00faspor \u010di p\u00f4\u017ei\u010diek.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> Nastavte si poistn\u00e9 sumy pod\u013ea svojich re\u00e1lnych z\u00e1v\u00e4zkov a v\u00fddavkov.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Kombinujete poistenie so sporen\u00edm<\/h2>\n\n\n\n<p>Investi\u010dn\u00e9 poistenie b\u00fdva drah\u00e9 a neefekt\u00edvne. \u010cas\u0165 pe\u0148az\u00ed toti\u017e ide na poplatky, nie na zhodnotenie.<\/p>\n\n\n\n<p>Pr\u00edklad: P\u00e1n Martin platil 70 \u20ac mesa\u010dne za investi\u010dn\u00e9 \u017eivotn\u00e9 poistenie, no v\u00e4\u010d\u0161inu zhltli poplatky. Keby mal samostatn\u00fa poistku za 50 \u20ac a 20 \u20ac by investoval do ETF fondov, z\u00edskal by vy\u0161\u0161ie \u00faspory aj lep\u0161ie poistn\u00e9 krytie.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> Poistenie a investovanie dr\u017ete oddelene. Rizikov\u00e1 poistka v kombin\u00e1cii s invest\u00edciou do fondov je z dlhodob\u00e9ho h\u013eadiska v\u00fdhodnej\u0161ia.<\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj u\u017eito\u010dn\u00fd \u010dl\u00e1nok <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/investujte-bez-stresu-ako-vam-diverzifikacia-portfolia-zaisti-zisk-aj-pokojny-spanok\/\"><strong><em>o investovan\u00ed bez stresu.<\/em><\/strong><\/a><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Nem\u00e1te v zmluve uveden\u00fa opr\u00e1vnen\u00fa osobu<\/h2>\n\n\n\n<p>Ak v poistnej zmluve ch\u00fdba opr\u00e1vnen\u00e1 osoba, poistn\u00e9 plnenie zo \u017eivotn\u00e9ho poistenia ide do dedi\u010dsk\u00e9ho konania a rodina na peniaze \u010dak\u00e1 mesiace.<\/p>\n\n\n\n<p>Pr\u00edklad: Pani Lucia nemala v poistnej zmluve uveden\u00fa opr\u00e1vnen\u00fa osobu, tak\u017ee jej rodina \u010dakala na peniaze z poistky viac ako pol roka. Ak by v zmluve mala uveden\u00e9ho man\u017eela, pois\u0165ov\u0148a by plnenie vyplatila priamo jemu do p\u00e1r t\u00fd\u017ed\u0148ov.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> V poistnej zmluve v\u017edy uve\u010fte, komu m\u00e1 pois\u0165ov\u0148a peniaze vyplati\u0165. T\u00fato inform\u00e1ciu aktualizujte napr\u00edklad po svadbe \u010di po rozvode.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Pr\u00edli\u0161 \u010dasto men\u00edte pois\u0165ov\u0148u<\/h2>\n\n\n\n<p>Nov\u00e1 poistn\u00e1 zmluva sa v\u017edy posudzuje pod\u013ea aktu\u00e1lneho veku a zdravotn\u00e9ho stavu klienta. \u010casto teda nesk\u00f4r zaplat\u00edte viac a dostanete menej.<\/p>\n\n\n\n<p>Pr\u00edklad: Pani Erika po rokoch zmenila pois\u0165ov\u0148u, aby u\u0161etrila p\u00e1r eur. Ke\u010f\u017ee medzit\u00fdm prekonala oper\u00e1ciu chrbtice, nov\u00e1 pois\u0165ov\u0148a jej poistku zdra\u017eela a vyl\u00fa\u010dila krytie \u00farazov aj chor\u00f4b pohybov\u00e9ho apar\u00e1tu.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">\u017divotn\u00e9 poistenie<\/a> neme\u0148te zbyto\u010dne \u010dasto. Niekedy m\u00f4\u017ee by\u0165 v\u00fdhodnej\u0161ie zosta\u0165 v p\u00f4vodnej pois\u0165ovni, len do zmluvy prida\u0165 rizik\u00e1 \u010di nav\u00fd\u0161i\u0165 poistn\u00e9 sumy.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">V\u017edy rie\u0161te poistenie so sk\u00fasen\u00fdm odborn\u00edkom<\/h2>\n\n\n\n<p>Rovnako ako si be\u017ene poist\u00edme auto \u010di dom\u00e1cnos\u0165, ani \u017eivotn\u00e9 poistenie by sme nemali zanedb\u00e1va\u0165. Ka\u017ed\u00e1 pois\u0165ov\u0148a m\u00e1 svoje podmienky a v\u00fdluky, preto sa vyplat\u00ed porovna\u0165 ponuky od viacer\u00fdch pois\u0165ovn\u00ed, ide\u00e1lne s pomocou odborn\u00edkov.<\/p>\n\n\n\n<p>\u0160pecialisti na \u017eivotn\u00e9 poistenie <a href=\"https:\/\/www.fingo.sk\/kontakty\">z <\/a><a href=\"http:\/\/fingo.sk\">FinGO.sk<\/a> s\u00fa pripraven\u00ed pom\u00f4c\u0165 v\u00e1m kdeko\u013evek na Slovensku. Ochotne v\u00e1m poradia pri v\u00fdbere a nastaven\u00ed novej poistky aj pri kontrole tej, ktor\u00fa u\u017e m\u00e1te. Ozvite sa n\u00e1m, sme tu pre v\u00e1s.\u00a0<\/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>Mnoh\u00ed Slov\u00e1ci robia pri \u017eivotnom poisten\u00ed chyby, ktor\u00e9 ich m\u00f4\u017eu st\u00e1\u0165 tis\u00edce eur. Uzatv\u00e1raj\u00fa si poistenie neskoro, zaml\u010dia svoj zdravotn\u00fd stav \u010di rizikov\u00e9 povolanie, pr\u00edpadne uprednostnia ni\u017e\u0161iu cenu na \u00fakor poistn\u00e9ho krytia. Ako sa vyhn\u00fa\u0165 \u010dast\u00fdm chyb\u00e1m, ktor\u00e9 by ste nesk\u00f4r mohli o\u013eutova\u0165?\u00a0 Ve\u013ea \u013eud\u00ed sa pri v\u00fdbere \u017eivotn\u00e9ho poistenia riadi najm\u00e4 cenou alebo zau\u017e\u00edvan\u00fdmi stereotypmi. Spr\u00e1vne nastaven\u00e9 poistenie v\u0161ak nie je o cene, ale o ochrane. M\u00e1 pokr\u00fdva\u0165 re\u00e1lne rizik\u00e1, z\u00e1v\u00e4zky a potreby rodiny. Inak sa m\u00f4\u017ee sta\u0165, \u017ee v \u0165a\u017ekej \u017eivotnej situ\u00e1cii poistenie nebude plni\u0165 svoj \u00fa\u010del a pois\u0165ov\u0148a nemus\u00ed vyplati\u0165 poistn\u00e9 plnenie, aj ke\u010f ste si poistku poctivo platili cel\u00e9 roky.\u00a0 Pozrime sa spolu na naj\u010dastej\u0161ie chyby, ktor\u00fdch sa \u013eudia pri \u017eivotnom poisten\u00ed dop\u00fa\u0161\u0165aj\u00fa. A prid\u00e1me aj p\u00e1r jednoduch\u00fdch tipov, ako sa im vyhn\u00fa\u0165 alebo ich napravi\u0165. Poistenie odklad\u00e1te, k\u00fdm nepr\u00eddu zdravotn\u00e9 probl\u00e9my Ak sa poist\u00edte a\u017e po diagnostikovan\u00ed v\u00e1\u017enej choroby, pois\u0165ov\u0148a toto ochorenie ani jeho n\u00e1sledky nekryje. Navy\u0161e v\u00e1m m\u00f4\u017ee zv\u00fd\u0161i\u0165 cenu poistenia. Pr\u00edklad: Klient sa poistil a\u017e po diagnostikovan\u00ed cukrovky. Pois\u0165ov\u0148a mu preto odmietla preplati\u0165 komplik\u00e1cie spojen\u00e9 s t\u00fdmto ochoren\u00edm. TIP: Poistite sa, k\u00fdm ste zdrav\u00ed \u2013 m\u00e1te viac mo\u017enost\u00ed aj lep\u0161ie podmienky. Mysl\u00edte si, \u017ee v\u00e1m sta\u010d\u00ed \u00farazov\u00e9 poistenie \u00darazy tvoria len mal\u00e9 percento [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":10802,"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>Naj\u010dastej\u0161ie chyby pri \u017eivotnom poisten\u00ed a ako sa im vyhn\u00fa\u0165 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Mnoh\u00ed Slov\u00e1ci robia pri \u017eivotnom poisten\u00ed chyby, ktor\u00e9 ich m\u00f4\u017eu st\u00e1\u0165 tis\u00edce eur. 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