{"id":2998,"date":"2024-01-02T12:42:15","date_gmt":"2024-01-02T11:42:15","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2998"},"modified":"2026-01-20T14:41:34","modified_gmt":"2026-01-20T13:41:34","slug":"ako-si-vybrat-zivotne-poistenie-a-co-ma-obsahovat","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-si-vybrat-zivotne-poistenie-a-co-ma-obsahovat\/","title":{"rendered":"Ako si vybra\u0165 \u017eivotn\u00e9 poistenie v roku 2026 a \u010do m\u00e1 obsahova\u0165"},"content":{"rendered":"\n<p><b>Rast\u00face \u017eivotn\u00e9 n\u00e1klady dom\u00e1cnost\u00ed prirodzene zv\u00fd\u0161ili obavy \u013eud\u00ed, \u010di dok\u00e1\u017eu utiahnu\u0165 svoje mesa\u010dn\u00e9 spl\u00e1tky. Z\u00e1rove\u0148 sa za\u010dali viac zauj\u00edma\u0165 o ochranu svojho pr\u00edjmu formou \u017eivotn\u00e9ho poistenia. Jeho v\u00fdber a spr\u00e1vne nastavenie netreba podce\u0148ova\u0165. Viete, pod\u013ea \u010doho sa rozhodn\u00fa\u0165? Ak\u00e9 \u017eivotn\u00e9 poistenie je pre v\u00e1s najlep\u0161ie? \u010co v\u0161etko m\u00e1 obsahova\u0165<\/b> <b>a ak\u00e9 pripoistenia si zvoli\u0165?\u00a0<\/b><\/p>\n\n\n\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:&nbsp;<\/strong><\/p>\n\n\n\n<ul>\n<li>Ako si vybra\u0165 najlep\u0161ie \u017eivotn\u00e9 poistenie<\/li>\n\n\n\n<li>\u010co si viete v \u017eivotnom poisten\u00ed pripoisti\u0165<\/li>\n\n\n\n<li>Pr\u00edklady, ako sa poisti\u0165 ak spl\u00e1cate hypot\u00e9ku<\/li>\n\n\n\n<li>\u010co v\u0161etko si v\u0161\u00edma\u0165 v poistnej zmluve<\/li>\n\n\n\n<li>\u010co sa naj\u010dastej\u0161ie nach\u00e1dza vo v\u00fdluk\u00e1ch<\/li>\n\n\n\n<li>Pre\u010do sa oplat\u00ed skontrolova\u0165 star\u0161iu poistku <a href=\"https:\/\/www.fingo.sk\/kontakty\">s FinGO.sk<\/a><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">\u017divotn\u00e9 poistenie sl\u00fa\u017ei na prekonanie \u0165a\u017ekej \u017eivotnej situ\u00e1cie sp\u00f4sobenej \u00farazom alebo chorobou. Ako by malo vyzera\u0165 najlep\u0161ie \u017eivotn\u00e9 poistenie, ak\u00e9 si vieme uzavrie\u0165? Malo by n\u00e1m vykry\u0165 na\u0161e z\u00e1v\u00e4zky, \u010di u\u017e ide o spl\u00e1tky hypot\u00e9ky a in\u00fdch \u00faverov, ale aj pokry\u0165 be\u017en\u00e9 mesa\u010dn\u00e9 v\u00fddavky dom\u00e1cnosti, aby sme nemuseli siaha\u0165 po \u00faspor\u00e1ch alebo neskon\u010dili v dlhoch. \u017dia\u013e, nikdy neviete \u010do sa m\u00f4\u017ee sta\u0165. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">U ka\u017ed\u00e9ho z n\u00e1s m\u00f4\u017eu nasta\u0165 neo\u010dak\u00e1van\u00e9 situ\u00e1cie. Je lep\u0161ie by\u0165 na ne pripraven\u00fd ako prekvapen\u00fd.&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Ako si vybra\u0165 \u017eivotn\u00e9 poistenie&nbsp;<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak po \u00faraze \u010di kv\u00f4li z\u00e1va\u017en\u00e9mu ochoreniu nebudete m\u00f4c\u0165 pracova\u0165 a pr\u00eddete o svoj pr\u00edjem alebo jeho \u010das\u0165, m\u00f4\u017eete sa dosta\u0165 do finan\u010dn\u00fdch probl\u00e9mov. Va\u0161e pr\u00edjmy klesn\u00fa, no v\u00fddavky ostan\u00fa rovnak\u00e9. Dokonca sa kv\u00f4li lie\u010dbe, rehabilit\u00e1cii \u010di \u010fal\u0161ej potrebnej starostlivosti m\u00f4\u017eu zv\u00fd\u0161i\u0165.&nbsp;&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Preto by ste mali pri v\u00fdbere v\u00e1\u0161ho \u017eivotn\u00e9ho poistenia myslie\u0165 hlavne na to, v akej \u017eivotnej a finan\u010dnej situ\u00e1cii sa nach\u00e1dzate a \u010do pl\u00e1nujete do bud\u00facna.&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>\u010co si viete v \u017eivotnom poisten\u00ed pripoisti\u0165<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Hlavnou \u00falohou \u017eivotn\u00e9ho poistenia je krytie riz\u00edk a prevencia vo\u010di neo\u010dak\u00e1van\u00fdm \u017eivotn\u00fdm situ\u00e1ci\u00e1m. Preto sa viete pripoisti\u0165 na hlavn\u00e9 <\/span>rizik\u00e1 spojen\u00e9 s \u00farazom, chorobou a v najhor\u0161om pr\u00edpade smr\u0165ou<span style=\"font-weight: 400;\">.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Pripoistenia by ste si mali vybera\u0165 s oh\u013eadom na va\u0161u \u017eivotn\u00fa situ\u00e1ciu, ktor\u00e1 je <\/span>u ka\u017ed\u00e9ho individu\u00e1lna<span style=\"font-weight: 400;\">. <\/span><span style=\"font-weight: 400;\">In\u00e9 pripoistenia m\u00f4\u017ee preferova\u0165 akt\u00edvny \u0161portovec a in\u00e9 rodina s die\u0165a\u0165om. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">M\u00f4\u017eu to by\u0165 napr\u00edklad tieto:<\/span><\/p>\n\n\n\n<ul>\n<li>ak spl\u00e1cate hypot\u00e9ku \u2013 smr\u0165, invalidita, kritick\u00e9 choroby, trval\u00e9 n\u00e1sledky \u00farazu, dlhodob\u00e1 pr\u00e1ceneschopnos\u0165<\/li>\n\n\n\n<li>mami\u010dka s die\u0165a\u0165om \u2013&nbsp;pr\u00e1ceneschopnos\u0165<\/li>\n\n\n\n<li>akt\u00edvny \u0161portovec \u2013 chirurgick\u00fd z\u00e1krok, <a href=\"https:\/\/www.fingo.sk\/blog\/uraz-vam-moze-pokazit-leto-ale-aj-obratit-zivot-naruby-viete-ako-sa-spravne-poistit\/\">trval\u00e9 n\u00e1sledky \u00farazu<\/a>, denn\u00e9 od\u0161kodn\u00e9<\/li>\n\n\n\n<li>senior \u2013 kritick\u00e9 choroby, \u00farazy<\/li>\n\n\n\n<li>die\u0165a \u2013 hospitaliz\u00e1cia, drobn\u00e9 \u00farazy, denn\u00e9 od\u0161kodn\u00e9, detsk\u00e9 kritick\u00e9 choroby<\/li>\n<\/ul>\n\n\n\n<p><em><strong>Neviete, \u010do s\u00fa to kritick\u00e9 choroby? Pre\u010d\u00edtajte si n\u00e1\u0161 \u010dl\u00e1nok <a href=\"https:\/\/www.fingo.sk\/blog\/rakovina-a-ine-kriticke-ochorenia-su-financne-narocne-ako-sa-chranit\/\">Onkologick\u00e9 a in\u00e9 kritick\u00e9 ochorenia s\u00fa finan\u010dne n\u00e1ro\u010dn\u00e9<\/a><\/strong><\/em><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ste zatia\u013e slobodn\u00fd a spl\u00e1cate hypot\u00e9ku? Alebo u\u017e m\u00e1te rodinu? Aj v z\u00e1vislosti od toho si prisp\u00f4sob\u00edte poistenie tak, aby v\u00e1m dostato\u010dne \u201ekrylo chrb\u00e1t\u201d.&nbsp;<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>PR\u00cdKLAD 1: 30-ro\u010dn\u00fd mu\u017e je slobodn\u00fd, m\u00e1 hypot\u00e9ku 100 tis\u00edc eur<\/b><\/span><\/h3>\n\n\n\n<p>Ak ste e\u0161te mlad\u00fd, nezadan\u00fd, ale spl\u00e1cate hypot\u00e9ku, mali by by\u0165 v r\u00e1mci \u017eivotn\u00e9ho poistenia kryt\u00fd aspo\u0148 na v\u00fd\u0161ku svojich z\u00e1v\u00e4zkov \u2013 \u00faverov. Z pripoisten\u00ed odpor\u00fa\u010dam ma\u0165 kryt\u00fa invaliditu, kritick\u00e9 choroby a trval\u00e9 n\u00e1sledky \u00farazu \u2013 ide\u00e1lne s progres\u00edvnym plnen\u00edm, ktor\u00e9 predstavuje odstup\u0148ovanie v\u00fd\u0161ky po\u0161kodenia poisten\u00e9ho. Zjednodu\u0161ene povedan\u00e9, \u010d\u00edm vy\u0161\u0161ie po\u0161kodenie tela, t\u00fdm vy\u0161\u0161ie poistn\u00e9 plnenie od pois\u0165ovne. Pripoistenie smrti u slobodn\u00fdch \u013eud\u00ed je odpor\u00fa\u010dan\u00e9, ale nemus\u00ed by\u0165 nutnos\u0165ou, nako\u013eko v pr\u00edpade tejto nepr\u00edjemnej udalosti nie je od nich nikto ekonomicky z\u00e1visl\u00fd.<\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">V pr\u00edpade dlhodobej\u0161ieho v\u00fdpadku pr\u00edjmu sa z\u00edde aj pripoistenie PN-ky, resp. v pr\u00edpade \u00farazu aj denn\u00e9 od\u0161kodn\u00e9 za dobu nevyhnutn\u00e9ho lie\u010denia. Nastavenie krytia z\u00e1vis\u00ed aj od typu jeho pr\u00edjmu a povolania, teda \u010di je zamestnan\u00fd alebo \u017eivnostn\u00edk, \u010di pracuje v rizikovom povolan\u00ed, pr\u00edpadne sa venuje rizikovej\u0161\u00edm \u0161portom.&nbsp;&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP: <\/b><\/span><span style=\"font-weight: 400;\">Pripoistenie pre pr\u00edpad smrti odpor\u00fa\u010dam s klesaj\u00facou poistnou sumou, ke\u010f\u017ee. postupn\u00fdm spl\u00e1can\u00edm bude v\u00fd\u0161ka jeho hypot\u00e9ky klesa\u0165. Pripoistenie smrti s klesaj\u00facou poistnou sumou je vhodn\u00e9 najm\u00e4 \u013eud\u00ed, ktor\u00ed spl\u00e1caj\u00fa vysok\u00e9 \u00favery.<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>PR\u00cdKLAD 2: Rodina s 1 die\u0165a\u0165om b\u00fdva v zdedenom dome<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">V tomto pr\u00edklade ide o rodinu s die\u0165a\u0165om, ktor\u00e1 nem\u00e1 hypot\u00e9ku. Pri nastaven\u00ed \u017eivotn\u00e9ho poistenia preto nemusia by\u0165 sumy jednotliv\u00fdch pripoisten\u00ed viazan\u00e9 na v\u00fd\u0161ku z\u00e1v\u00e4zkov (\u00faverov). Sta\u010d\u00ed ak bud\u00fa kryt\u00ed na rizik\u00e1, ktor\u00e9 m\u00f4\u017eu ohrozi\u0165 ich pr\u00edjmy. Odpor\u00fa\u010dam krytie rizika smrti (s kon\u0161tantnou poistnou sumou)<strong>, <\/strong>invaliditu, kritick\u00e9 choroby, trval\u00e9 n\u00e1sledky \u00farazu (rovnako ako v prvom pr\u00edklade s progres\u00edvnym plnen\u00edm), denn\u00e9 od\u0161kodn\u00e9 za dobu nevyhnutn\u00e9ho lie\u010denia alebo pripoistenie PN-ky.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Samozrejme, rodi\u010dia si m\u00f4\u017eu vybra\u0165 aj z \u010fal\u0161\u00edch pripoisten\u00ed ako je napr\u00edklad hospitaliz\u00e1cia, chirurgick\u00fd z\u00e1krok, drobn\u00e9 \u00farazy \u010di smr\u0165 n\u00e1sledkom \u00farazu. V\u00fdber z\u00e1vis\u00ed aj od typu ich povolania. No podstatn\u00e9 je, aby boli kryt\u00ed na najv\u00e1\u017enej\u0161ie rizik\u00e1 spojen\u00e9 s ich z\u00e1v\u00e4zkami, pr\u00edjmom a rodinou.<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Rodi\u010dia sa m\u00f4\u017eu poisti\u0165 aj spolu na jednej zmluve, \u010do je v\u00e4\u010d\u0161inou cenovo v\u00fdhodnej\u0161ie. Ak m\u00e1te die\u0165a, nezabudnite poisti\u0165 aj svoju ratoles\u0165. <\/span><\/p>\n\n\n\n<p><strong><em>Chcete vedie\u0165 viac? \u010eal\u0161ie rady a tipy n\u00e1jdete v \u010dl\u00e1nku <a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-pre-dieta\/\">Poistenie pre deti<\/a>&nbsp;<\/em><\/strong><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>\u010co si v\u0161\u00edma\u0165 v poistnej zmluve<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ako prv\u00e9 si v\u0161\u00edmajte <\/span>\u00fa\u010del svojho \u017eivotn\u00e9ho poistenia <span style=\"font-weight: 400;\">a s t\u00fdm spojen\u00e9 rizik\u00e1 vzh\u013eadom na va\u0161u \u017eivotn\u00fa situ\u00e1ciu.<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> Rozdielne v\u00fd\u0161ky poistn\u00fdch s\u00fam a pripoisten\u00ed bude vyu\u017e\u00edva\u0165 napr\u00edklad rekrea\u010dn\u00fd \u0161portovec a profesion\u00e1lny \u0161portovec, \u010dlovek pracuj\u00faci v administrat\u00edve oproti vodi\u010dovi kami\u00f3nu, klient s hypot\u00e9kou a klient bez hypot\u00e9ky.&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Ve\u013emi d\u00f4le\u017eitou s\u00fa\u010das\u0165ou pri v\u00fdbere poistenia okrem vy\u0161\u0161ie spom\u00ednanej \u0161portovej \u010dinnosti a rizikovosti pracovn\u00e9ho odvetvia, je aj <\/span>aktu\u00e1lny zdravotn\u00fd stav,<span style=\"font-weight: 400;\"> s ktor\u00fdm vstupujete do poistenia.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ak si nie ste ist\u00ed, \u010di v\u00e1s \u017eivotn\u00e1 pois\u0165ov\u0148a pr\u00edjme do poistenia bez prir\u00e1\u017eok alebo v\u00fdluk, ide\u00e1lne je ak v\u00e1m<a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\"> finan\u010dn\u00fd sprostredkovate\u013e<\/a> urob\u00ed predbe\u017en\u00e9 ocenenie v danej pois\u0165ovni.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Po predbe\u017enom ocenen\u00ed budete presne vedie\u0165, \u010do v\u00e1m pois\u0165ov\u0148a bude kry\u0165 a \u010do nie (niektor\u00e9 ochorenia, ktor\u00fdmi ste u\u017e trpeli, pois\u0165ov\u0148a m\u00f4\u017ee vyl\u00fa\u010di\u0165).&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h2><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=zivot_gif\"><img decoding=\"async\" class=\"aligncenter wp-image-6529 size-full\" 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\" width=\"1350\" height=\"738\"><\/a><\/h2>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>\u010co sa naj\u010dastej\u0161ie nach\u00e1dza vo v\u00fdluk\u00e1ch<\/b><\/span><\/h2>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>\u010co s\u00fa to v\u00fdluky z poistenia<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Ide o osobitn\u00e9 klauzuly v poistn\u00fdch podmienkach a zmluv\u00e1ch, ktor\u00e9 ozna\u010duj\u00fa pr\u00edpady, kedy pois\u0165ov\u0148a nie je povinn\u00e1 poskytn\u00fa\u0165 poistn\u00e9 plnenie alebo \u010das\u0165 poistn\u00e9ho plnenia. <\/span><span style=\"font-weight: 400;\">\u013dudskou re\u010dou povedan\u00e9 &#8211; ide o udalosti, ktor\u00e9 s\u00fa vyl\u00fa\u010den\u00e9 z pr\u00edpadn\u00e9ho poistn\u00e9ho plnenia u\u017e pred va\u0161im vstupom do poistenia.&nbsp;<\/span><\/p>\n\n\n\n<h4><span style=\"color: #ec8124;\"><b>S\u00fa dva typy v\u00fdluk:<\/b><\/span><\/h4>\n\n\n\n<p><b><span style=\"color: #ec8124;\">Prv\u00fd typ v\u00fdluk<\/span> <\/b><span style=\"font-weight: 400;\">tvoria tie, ktor\u00e9 m\u00e1 pois\u0165ov\u0148a jasne definovan\u00e9 vo svojich poistn\u00fdch podmienkach pri jednotliv\u00fdch pripoisteniach.<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">ide napr\u00edklad o v\u00fdluky poistenia smrti pri teroristickom \u00fatoku, vojnov\u00fdch konfliktoch, HIV\/AIDS, samovra\u017ede do dvoch rokov<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u010fal\u0161ie v\u00fdluky s\u00fa pri jednotliv\u00fdch typoch pripoisten\u00ed \u010di u\u017e z choroby alebo \u00farazu pri extr\u00e9mnych \u0161portoch, \u00famyselnom po\u0161koden\u00ed vlastn\u00e9ho zdravia alebo du\u0161evn\u00fdch chorob\u00e1ch<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>Druh\u00fd typ v\u00fdluk<\/b><\/span><span style=\"font-weight: 400;\"> nast\u00e1va, ak do poistenia vstupujete s \u00farazom alebo chorobou, ktor\u00fa ste nadobudli predt\u00fdm. Pois\u0165ov\u0148u o tom informujete v zdravotnom dotazn\u00edku.<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">napr\u00edklad ak ste mali v minulosti zlomen\u00fa k\u013e\u00fa\u010dnu kos\u0165, v pr\u00edpade \u010fal\u0161ieho \u00farazu zlomenia k\u013e\u00fa\u010dnej kosti v\u00e1m u\u017e pois\u0165ov\u0148a nevyplat\u00ed poistn\u00e9 plnenie, a t\u00fdm p\u00e1dom m\u00e1te tento \u00faraz vo v\u00fdluk\u00e1ch<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">rovnako je to pri diagnostikovan\u00ed kritick\u00e9ho ochorenia (onkologick\u00e9, srdcovo-cievne ochorenia a mnoho \u010fal\u0161\u00edch). Ak vstupujete do poistenia s kritick\u00fdm ochoren\u00edm, tak v\u00e1s pois\u0165ov\u0148a zoberie do poistenia, ale s v\u00fdlukou na dan\u00fa diagn\u00f3zu, resp. s \u010diasto\u010dn\u00fdm kr\u00e1ten\u00edm poistn\u00e9ho plnenia. To znamen\u00e1, \u017ee keby ste na dan\u00fa diagn\u00f3zu znova ochoreli, tak v\u00e1m nevyplat\u00ed poistn\u00e9 plnenie v plnom rozsahu, ale m\u00f4\u017ee ho skr\u00e1ti\u0165 na ni\u017e\u0161iu sumu&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">v niektor\u00fdch pr\u00edpadoch sa st\u00e1va, \u017ee pois\u0165ov\u0148a klienta vzh\u013eadom na jeho zhor\u0161en\u00fd zdravotn\u00fd stav \u00faplne vyl\u00fa\u010di z niektor\u00fdch pripoisten\u00ed<\/span><\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Ojedinele sa m\u00f4\u017ee sta\u0165 aj to, \u017ee pois\u0165ov\u0148a klientovi \u00faplne zamietne vstup do poistenia, pr\u00edpadne ho poistn\u00ed iba na minim\u00e1lne poistn\u00e9 sumy.<\/span><\/p>\n<\/blockquote>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Pre\u010do si skontrolova\u0165 star\u0161ie \u017eivotn\u00e9 poistenie<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Kontrolu \u017eivotn\u00e9ho poistenia odpor\u00fa\u010dam <\/span>aspo\u0148 1-kr\u00e1t za 2 roky, <span style=\"font-weight: 400;\">pr\u00edpadne <\/span>pri ka\u017edej v\u00fdznamnej\u0161ej \u017eivotnej zmene<span style=\"font-weight: 400;\"> akou m\u00f4\u017ee by\u0165 svadba, narodenie die\u0165a\u0165a, k\u00fapa nehnute\u013enosti, alebo zmena rizikovosti povolania. To v\u0161etko s\u00fa situ\u00e1cie, ktor\u00e9 ovplyv\u0148uj\u00fa v\u00fdber pripoisten\u00ed aj nastavenie poistn\u00fdch s\u00fam.&nbsp;<\/span><\/p>\n\n\n\n<p>Viacer\u00e9 pois\u0165ovne navrhuj\u00fa klientom prehodnotenie poistn\u00fdch s\u00fam z d\u00f4vodu vysokej infl\u00e1cie. V tomto pr\u00edpade sa ur\u010dite oplat\u00ed spoji\u0165 sa <a href=\"https:\/\/www.fingo.sk\/kontakty\">s finan\u010dn\u00fdm sprostredkovate\u013eom<\/a>, ktor\u00fd dok\u00e1\u017ee najlep\u0161ie pos\u00fadi\u0165 adekv\u00e1tnos\u0165 n\u00e1vrhu pois\u0165ovne.<\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Z\u00e1rove\u0148 treba myslie\u0165 na to, \u017ee tak ako sa neust\u00e1le vyv\u00edja a napreduje ka\u017ed\u00e9 odvetvie na svete, tak isto sa vyv\u00edja aj poistn\u00fd trh a s n\u00edm spojen\u00e9 novinky a aktualiz\u00e1cie. Vznikaj\u00fa <\/span>nov\u00e9 aktu\u00e1lnej\u0161ie bal\u00ed\u010dky pripoisten\u00ed<span style=\"font-weight: 400;\">, vyv\u00edjaj\u00fa resp. aktualizuj\u00fa sa jednotliv\u00e9 pripoistenia, kr\u00e1tia sa \u010dakacie lehoty, redukuj\u00fa sa v\u00fdluky.<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Pr\u00edkladom je aj pripoistenie kritick\u00fdch chor\u00f4b:<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li>V minulosti mali pois\u0165ovne v ponuke jeden bal\u00ed\u010dek kritick\u00fdch chor\u00f4b, dnes\u00a0m\u00e1te na v\u00fdber z nieko\u013ek\u00fdch bal\u00ed\u010dkov\u00a0\u2013 z\u00e1kladn\u00fd bal\u00ed\u010dek, komplexn\u00fd bal\u00ed\u010dek,\u00a0\u017eensk\u00e9 kritick\u00e9 choroby, mu\u017esk\u00e9 kritick\u00e9 choroby, bal\u00ed\u010dek n\u00e1sobn\u00e9ho plnenia kritick\u00fdch chor\u00f4b alebo bal\u00ed\u010dek poistenia rakoviny. <\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Rozdiel je aj v jednotliv\u00fdch kritick\u00fdch chorob\u00e1ch vzh\u013eadom na evol\u00faciu. Tie ochorenia, ktor\u00e9 boli aktu\u00e1lne v minulosti, samozrejme v poistn\u00fdch bal\u00ed\u010dkoch ostali a pribudli k nim \u010fal\u0161ie.<\/span><\/li>\n<\/ul>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Podobne je to aj s pripoisten\u00edm invalidity:<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li>Dnes si viete zvoli\u0165, \u010di chcete by\u0165 kryt\u00fd na \u010diasto\u010dn\u00fa invaliditu (od 40 %) alebo pln\u00fa, resp. trval\u00fa invaliditu (od 70 %).<span style=\"font-weight: 400;\"><br><\/span><\/li>\n\n\n\n<li>Pripoistenie invalidity si z\u00e1rove\u0148 m\u00f4\u017eete zvoli\u0165 v r\u00f4znych form\u00e1ch plnenia \u2013 jednorazovo, s klesaj\u00facou poistnou sumou \u010di s mesa\u010dnou v\u00fdplatou\/rentou.<\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP: <\/b><\/span>Ak\u00fd je rozdiel medzi invaliditou od 40 % a 70 %? Invaliditu uzn\u00e1va Soci\u00e1lna pois\u0165ov\u0148a. Jej posudkov\u00ed lek\u00e1ri ka\u017ed\u00e9mu poistencovi pod\u013ea jeho zdravotn\u00e9ho stavu ur\u010dia percento, ktor\u00e9 vyjadruje jeho pokles schopnosti vykon\u00e1va\u0165 z\u00e1robkov\u00fa \u010dinnos\u0165 v porovnan\u00ed so zdrav\u00fdm \u010dlovekom. Od uznan\u00e9ho percenta invalidity sa potom odv\u00edja aj v\u00fd\u0161ka invalidn\u00e9ho d\u00f4chodku.<\/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><span style=\"color: #ec8124;\"><b>Pora\u010fte sa bezplatne s nez\u00e1visl\u00fdm odborn\u00edkom<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak si chcete uzavrie\u0165 kvalitn\u00e9 \u017eivotn\u00e9 poistenie, spo\u013eahnite sa pri v\u00fdbere na odborn\u00edka. <\/span>Finan\u010dn\u00ed sprostredkovatelia z FinGO.sk<span style=\"font-weight: 400;\"> maj\u00fa preh\u013ead o celom poistnom trhu, s\u00fa nez\u00e1visl\u00ed a poistenie v\u00e1m vyber\u00fa a nastavia tak, aby zoh\u013ead\u0148ovalo va\u0161e individu\u00e1lne potreby a ciele.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Na\u0161i makl\u00e9ri maj\u00fa dlhoro\u010dn\u00e9 sk\u00fasenosti a m\u00f4\u017eete sa na nich obr\u00e1ti\u0165 aj so <a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\">star\u0161\u00edmi zmluvami<\/a> \u017eivotn\u00e9ho poistenia. N\u00e1jdete n\u00e1s na pobo\u010dk\u00e1ch na celom Slovensku, viete sa s nami spoji\u0165 aj telefonicky alebo online. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Zavolajte n\u00e1m na <a href=\"tel:0800601060\"><span style=\"color: #ec8124;\">0800 60 10 60<\/span><\/a> alebo n\u00e1m zanechajte svoje <a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"color: #ec8124;\">kontaktn\u00e9 \u00fadaje<\/span><\/a> a my sa v\u00e1m ozveme.&nbsp;<\/span><\/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\n\n\n<script>\n\n    (function(){\n\n        window.addEventListener('message', function(e) {\n\n          if (e.data.height) {\n\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n\n          };\n\n        }, false);\n\n    })();\n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Rast\u00face \u017eivotn\u00e9 n\u00e1klady dom\u00e1cnost\u00ed prirodzene zv\u00fd\u0161ili obavy \u013eud\u00ed, \u010di dok\u00e1\u017eu utiahnu\u0165 svoje mesa\u010dn\u00e9 spl\u00e1tky. Z\u00e1rove\u0148 sa za\u010dali viac zauj\u00edma\u0165 o ochranu svojho pr\u00edjmu formou \u017eivotn\u00e9ho poistenia. Jeho v\u00fdber a spr\u00e1vne nastavenie netreba podce\u0148ova\u0165. Viete, pod\u013ea \u010doho sa rozhodn\u00fa\u0165? Ak\u00e9 \u017eivotn\u00e9 poistenie je pre v\u00e1s najlep\u0161ie? \u010co v\u0161etko m\u00e1 obsahova\u0165 a ak\u00e9 pripoistenia si zvoli\u0165?\u00a0 V \u010dl\u00e1nku sa do\u010d\u00edtate:&nbsp; \u017divotn\u00e9 poistenie sl\u00fa\u017ei na prekonanie \u0165a\u017ekej \u017eivotnej situ\u00e1cie sp\u00f4sobenej \u00farazom alebo chorobou. Ako by malo vyzera\u0165 najlep\u0161ie \u017eivotn\u00e9 poistenie, ak\u00e9 si vieme uzavrie\u0165? Malo by n\u00e1m vykry\u0165 na\u0161e z\u00e1v\u00e4zky, \u010di u\u017e ide o spl\u00e1tky hypot\u00e9ky a in\u00fdch \u00faverov, ale aj pokry\u0165 be\u017en\u00e9 mesa\u010dn\u00e9 v\u00fddavky dom\u00e1cnosti, aby sme nemuseli siaha\u0165 po \u00faspor\u00e1ch alebo neskon\u010dili v dlhoch. \u017dia\u013e, nikdy neviete \u010do sa m\u00f4\u017ee sta\u0165. U ka\u017ed\u00e9ho z n\u00e1s m\u00f4\u017eu nasta\u0165 neo\u010dak\u00e1van\u00e9 situ\u00e1cie. Je lep\u0161ie by\u0165 na ne pripraven\u00fd ako prekvapen\u00fd.&nbsp; Ako si vybra\u0165 \u017eivotn\u00e9 poistenie&nbsp; Ak po \u00faraze \u010di kv\u00f4li z\u00e1va\u017en\u00e9mu ochoreniu nebudete m\u00f4c\u0165 pracova\u0165 a pr\u00eddete o svoj pr\u00edjem alebo jeho \u010das\u0165, m\u00f4\u017eete sa dosta\u0165 do finan\u010dn\u00fdch probl\u00e9mov. Va\u0161e pr\u00edjmy klesn\u00fa, no v\u00fddavky ostan\u00fa rovnak\u00e9. Dokonca sa kv\u00f4li lie\u010dbe, rehabilit\u00e1cii \u010di \u010fal\u0161ej potrebnej starostlivosti m\u00f4\u017eu zv\u00fd\u0161i\u0165.&nbsp;&nbsp; Preto by ste mali pri v\u00fdbere v\u00e1\u0161ho \u017eivotn\u00e9ho poistenia myslie\u0165 hlavne na to, v akej \u017eivotnej a [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":5042,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[15],"tags":[165,91,156,89],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako si vybra\u0165 \u017eivotn\u00e9 poistenie v roku 2026 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Ako by malo vyzera\u0165 najlep\u0161ie \u017eivotn\u00e9 poistenie? 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