{"id":4536,"date":"2021-12-08T10:59:12","date_gmt":"2021-12-08T09:59:12","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=4536"},"modified":"2022-09-28T11:25:37","modified_gmt":"2022-09-28T09:25:37","slug":"7-castych-chyb-pri-zivotnom-poisteni-ktore-vas-mozu-stat-vela","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/7-castych-chyb-pri-zivotnom-poisteni-ktore-vas-mozu-stat-vela\/","title":{"rendered":"7 \u010dast\u00fdch ch\u00fdb pri \u017eivotnom poisten\u00ed, ktor\u00e9 v\u00e1s m\u00f4\u017eu st\u00e1\u0165 ve\u013ea"},"content":{"rendered":"\n<p><b>\u010cast\u00e9 chyby v \u017eivotnom poisten\u00ed v\u00e1m m\u00f4\u017eu zbyto\u010dne sp\u00f4sobi\u0165 probl\u00e9my. Pois\u0165ov\u0148a v\u00e1m potom v \u0165a\u017ekej \u017eivotnej situ\u00e1cii nemus\u00ed vyplati\u0165 poistn\u00e9 plnenie, hoci ste si poistku poctivo platili nieko\u013eko rokov. Ako si <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">poistenie uzavrie\u0165<\/a>, aby v\u00e1m pomohlo tak, ako to naozaj m\u00f4\u017eete potrebova\u0165?<\/b><\/p>\n<p><b>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre\u010do najlacnej\u0161ie \u017eivotn\u00e9 poistenie nemus\u00ed by\u0165 najv\u00fdhodnej\u0161ie<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ak\u00e9 finan\u010dn\u00e9 probl\u00e9my m\u00f4\u017eu nasta\u0165, ak \u017eivotn\u00e9 poistenie podcen\u00edte\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ak\u00e9 zmeny treba hl\u00e1si\u0165 pois\u0165ovni a kedy poistn\u00fa zmluvu skontrolova\u0165\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pre\u010do je u\u017e investi\u010dn\u00e9 \u017eivotn\u00e9 poistenie zastaral\u00fd produkt a neoplat\u00ed sa\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u017divotn\u00e9 poistenie si viete uzavrie\u0165 aj online. Ako to prebieha vo <\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\">FinGO.sk<\/span><\/a><\/li>\n<li aria-level=\"1\">\u010eal\u0161ie tipy, ktor\u00e9 sa v\u00e1m z\u00eddu ak u\u017e poistku m\u00e1te alebo si ju len chcete uzavrie\u0165\u00a0<\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\">1. Chcete plati\u0165 \u010do najmenej, ale nebudete dostato\u010dne kryt\u00ed<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pod\u013ea prieskumu FinGO.sk sa a\u017e <strong>74 % \u013eud\u00ed<\/strong> zauj\u00edma o najlacnej\u0161ie \u017eivotn\u00e9 poistenie. \u013dudia sa predov\u0161etk\u00fdm zameriavaj\u00fa na n\u00edzku cenu <strong>na \u00fakor kvalitn\u00e9ho<\/strong> poistn\u00e9ho krytia. <\/span><span style=\"font-weight: 400;\">Ale ak nechcete podceni\u0165 <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vybrat-zivotne-poistenie-a-co-ma-obsahovat\/\">\u017eivotn\u00e9 poistenie<\/a>, poistn\u00e9 sumy v jednotliv\u00fdch pripoisteniach by ste mali ma\u0165 nastaven\u00e9 tak, aby v\u00e1m <strong>plnohodnotne <\/strong>nahradili v\u00fdpadok pr\u00edjmu a pokryli obdobie spojen\u00e9 so zdravotn\u00fdmi \u0165a\u017ekos\u0165ami. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">TIP: <\/span><\/strong>Cena poistenia sa odv\u00edja hlavne od v\u00fd\u0161ky va\u0161ich z\u00e1v\u00e4zkov, najm\u00e4 \u00faverov, takisto od v\u00e1\u0161ho pr\u00edjmu a rodinnej situ\u00e1cie. <\/span><span style=\"font-weight: 400;\">Vo v\u0161eobecnosti by sa poistn\u00e9 malo pohybova\u0165 od <strong>5 do 10 % z v\u00e1\u0161ho pr\u00edjmu.<\/strong><\/span><\/p>\n<p><strong><span style=\"color: #ec8124;\">NA \u010cO DA\u0164 POZOR: <\/span><\/strong><span style=\"font-weight: 400;\">Ak si uzavriete len najlacnej\u0161ie poistenie, v zmluve v\u00e1m m\u00f4\u017eu ch\u00fdba\u0165 <strong>d\u00f4le\u017eit\u00e9 pripoistenia <\/strong>alebo v\u00e1s poistenie bude chr\u00e1ni\u0165 len do ve\u013emi n\u00edzkych poistn\u00fdch s\u00fam. Potom pri v\u00e1\u017enom \u00faraze alebo ochoren\u00ed m\u00f4\u017eete osta\u0165 <strong>nemilo prekvapen\u00fd,<\/strong> ak v\u00e1m pois\u0165ov\u0148a nevyplat\u00ed peniaze alebo dostanete ove\u013ea menej ako budete re\u00e1lne potrebova\u0165. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Je rozdiel, \u010di v\u00e1m pois\u0165ov\u0148a napr\u00edklad pri diagnostikovan\u00ed rakoviny vyplat\u00ed 5-tis\u00edc alebo 20-tis\u00edc eur. <\/span><span style=\"font-weight: 400;\">Mesa\u010dne v\u00e1s to m\u00f4\u017ee st\u00e1\u0165 o 5 \u010di 10 eur viac, ale poistn\u00e1 ochrana je nieko\u013ekon\u00e1sobne vy\u0161\u0161ia.<\/span><\/p>\n<\/blockquote>\n<p><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=zivot_gif\"><img decoding=\"async\" class=\"wp-image-6529 size-full aligncenter\" 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><\/p>\n<h3><span style=\"color: #ec8124;\">2. \u017divotn\u00e9 poistenie podce\u0148ujete na \u00fakor poistenia majetku<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pod\u013ea prieskumu <strong>viac ako polovica \u013eud\u00ed<\/strong> (56 %) podce\u0148uje \u017eivotn\u00e9 poistenie na \u00fakor <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">poistenia majetku.<\/a> \u010ci\u017ee poistenie bytu, domu alebo auta berieme ako samozrejmos\u0165, ale na ne\u010dakan\u00fdch \u017eivotn\u00fdch situ\u00e1ci\u00e1ch spojen\u00fdch s na\u0161im zdrav\u00edm n\u00e1m a\u017e tak <strong>nez\u00e1le\u017e\u00ed.<\/strong>\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Majetok je st\u00e1le na prvom mieste a pre mnoh\u00fdch \u013eud\u00ed je d\u00f4le\u017eitej\u0161\u00ed ako ich <strong>vlastn\u00e9 zdravie,<\/strong> resp. krytie mo\u017en\u00fdch neo\u010dak\u00e1van\u00fdch chor\u00f4b, \u00farazov a smrti. <\/span><span style=\"font-weight: 400;\">S\u00favis\u00ed to ale aj s t\u00fdm, \u017ee poistenie majetku je v niektor\u00fdch produktoch povinn\u00e9. Napr\u00edklad <a href=\"https:\/\/www.fingo.sk\/poistenie\/pzp\">povinn\u00e9 zmluvn\u00e9 poistenie<\/a> pri automobiloch alebo poistenie nehnute\u013enosti vinkulovan\u00e9 v prospech banky pri hypot\u00e9ke.<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><strong>NA \u010cO DA\u0164 POZOR: <\/strong><\/span><span style=\"font-weight: 400;\">Predstavte si, \u017ee <strong>spl\u00e1cate hypot\u00e9ku.<\/strong> Aby ste na\u010derpali \u00faver, <a href=\"https:\/\/www.fingo.sk\/blog\/na-co-sluzi-poistenie-nehnutelnosti\/\">poist\u00edte si svoju nehnute\u013enos\u0165<\/a> proti \u017eivlom ako je v\u00edchrica, povode\u0148, po\u017eiar, no \u017eivotn\u00e9 poistenie si neuzavriete. Nedajbo\u017ee sa v\u00e1m stane \u00faraz s trval\u00fdmi n\u00e1sledkami, ostanete invalidn\u00fd alebo v\u00e1s postihne kritick\u00e9 ochorenie ako je rakovina a v\u00e1\u0161 pr\u00edjem ost\u00e1va obmedzen\u00fd. <\/span><span style=\"font-weight: 400;\">Ohrozen\u00e9 je \u010fal\u0161ie<strong> spl\u00e1canie \u00faveru<\/strong>, ale aj fungovanie va\u0161ej rodiny. Nehovoriac o riziku smrti, kedy v\u00fdpadok pr\u00edjmu \u017eivite\u013ea rodiny sp\u00f4sob\u00ed v\u00e1\u017eny probl\u00e9m a \u00faver ostane na pozostal\u00fdch. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong><\/span> Aby sa nestalo, \u017ee rodina ostane bez pr\u00edjmu a strechy nad hlavou, ide\u00e1lnou vo\u013ebou je kry\u0165 tieto rizik\u00e1 <a href=\"https:\/\/www.fingo.sk\/blog\/7-rad-o-poisteni-hypoteky-ochrante-seba-aj-svoju-rodinu\/\">cez \u017eivotn\u00e9 poistenie.<\/a> <\/span><span style=\"font-weight: 400;\">Viete si ho prisp\u00f4sobi\u0165 aj pod\u013ea toho, \u010di <strong>spl\u00e1cate hypot\u00e9ku sami<\/strong>, alebo <strong>ste v \u00favere dvaja.<\/strong> Pri poistnej udalosti potom dostanete peniaze, ktor\u00e9 pom\u00f4\u017eu v\u00e1m aj va\u0161ej rodine.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\">3. Pri zmen\u00e1ch zab\u00fadate svoje poistenie aktualizova\u0165<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pribli\u017ene 4 z 10 klientov, ktor\u00ed maj\u00fa \u017eivotn\u00e9 poistenie, zab\u00fadaj\u00fa pois\u0165ovni nahl\u00e1si\u0165 d\u00f4le\u017eit\u00e9 zmeny. Napr\u00edklad ak dlh\u00e9 roky pracuj\u00fa ako zamestnanci a <strong>nesk\u00f4r prejd\u00fa na \u017eivnos\u0165<\/strong>, pri tomto type pr\u00edjmu sa im z\u00eddu in\u00e9 pripoistenia, napr. <a href=\"https:\/\/www.fingo.sk\/blog\/pre-koho-je-pripoistenie-pn-ky-zvlast-vhodne\/\">pripoistenie PN<\/a>. \u013dudia to nevn\u00edmaj\u00fa ako d\u00f4le\u017eit\u00fa vec, a t\u00fdm p\u00e1dom to nerie\u0161ia. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pois\u0165ovniam v\u0161ak treba <strong>povinne nahlasova\u0165<\/strong> zmenu kontaktn\u00fdch \u00fadajov, zmenu rizikovej skupiny povolania, takisto prechod od zamestnania k \u017eivnosti alebo aj to, ak ste nezamestnan\u00ed. Ak pois\u0165ov\u0148a nem\u00e1 v zmluve aktu\u00e1lne inform\u00e1cie a stane sa poistn\u00e1 udalos\u0165, m\u00f4\u017ee prist\u00fapi\u0165 ku kr\u00e1teniu poistn\u00e9ho plnenia alebo aj zamietnu\u0165 poistn\u00fa udalos\u0165 v plnom rozsahu. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Naj\u010dastej\u0161ie sa to st\u00e1va ak je \u010dlovek nezamestnan\u00fd a chce si uplatni\u0165 poistn\u00e9 plnenie z PN-ky.<\/span><\/p>\n<\/blockquote>\n<p><span style=\"font-weight: 400; color: #ec8124;\"><strong><span style=\"color: #ec8124;\">NA \u010cO DA\u0164 POZOR: <\/span><\/strong><\/span><span style=\"font-weight: 400;\">Ako sme u\u017e uviedli vy\u0161\u0161ie, jednou z v\u00fdhod \u017eivotn\u00e9ho poistenia je, \u017ee je to <strong>flexibiln\u00fd <\/strong>finan\u010dn\u00fd produkt. \u010ci\u017ee va\u0161e poistenie dok\u00e1\u017eete po\u010das jeho trvania kedyko\u013evek prisp\u00f4sobi\u0165 <a href=\"https:\/\/www.fingo.sk\/blog\/zivotne-poistenie-ma-kopirovat-kazdu-zivotnu-zmenu\/\">aktu\u00e1lnej \u017eivotnej situ\u00e1cii<\/a>, prida\u0165 alebo ubra\u0165 pripoistenia, zv\u00fd\u0161i\u0165 alebo zn\u00ed\u017ei\u0165 poistn\u00e9 sumy a tak \u010falej. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Preto a<\/span><span style=\"font-weight: 400;\">k u\u017e m\u00e1te uzavret\u00e9 \u017eivotn\u00e9 poistenie, mali by ste po\u017eiada\u0165 odborn\u00edka o kontrolu va\u0161ej zmluvy aspo\u0148 <strong>1-kr\u00e1t za 2 roky<\/strong> alebo pri ka\u017edej v\u00fdznamnej\u0161ej \u017eivotnej udalosti akou m\u00f4\u017ee by\u0165 aj svadba, narodenie die\u0165a\u0165a, k\u00fapa nehnute\u013enosti, zmena rizikovosti povolania, v\u00fdraznej\u0161ia zmena vo va\u0161om pr\u00edjme a podobne. To v\u0161etko s\u00fa situ\u00e1cie, ktor\u00e9 ovplyv\u0148uj\u00fa v\u00fdber vhodn\u00fdch pripoisten\u00ed, nastavenie poistn\u00fdch s\u00fam aj cenu poistenia.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\">4. Poist\u00edte len jedn\u00e9ho \u010dlena rodiny, v\u00e4\u010d\u0161inou len \u017eivite\u013ea<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pod\u013ea prieskumu 35 % klientov si uzatvor\u00ed poistenie len pre \u017eivite\u013ea rodiny a ostatn\u00ed \u010dlenovia ostan\u00fa nepoisten\u00ed. Toto rie\u0161enie je rozumn\u00e9 a nevid\u00edm v tom probl\u00e9m. <\/span><span style=\"font-weight: 400;\">Ak je poisten\u00fd \u017eivite\u013e rodiny, tak to poklad\u00e1m za <strong>\u00faspe\u0161n\u00fd prv\u00fd krok<\/strong> v logike poistenia. \u017divite\u013e rodiny mus\u00ed by\u0165 v\u017edy prv\u00fd poisten\u00fd. Ak v\u00e1m to <strong>dovo\u013euj\u00fa <\/strong>finan\u010dn\u00e9 mo\u017enosti rodiny, tak je optim\u00e1lne, aby boli kryt\u00ed aj ostatn\u00ed \u010dlenovia dom\u00e1cnosti, ale nie je to nevyhnutn\u00e9.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3501\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/04\/blog2-1024x683.jpg\" alt=\"rodina pod strechou\" width=\"500\" height=\"333\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/04\/blog2-1024x683.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/04\/blog2-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/04\/blog2-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/04\/blog2.jpg 1080w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<p><span style=\"color: #ec8124;\"><strong>NA \u010cO DA\u0164 POZOR: <\/strong><\/span><span style=\"font-weight: 400;\">Podstatn\u00e9 je, aby bol \u017eivite\u013e rodiny kryt\u00fd na<strong> najv\u00e1\u017enej\u0161ie rizik\u00e1<\/strong> spojen\u00e9 s jeho z\u00e1v\u00e4zkami, pr\u00edjmom a rodinou.<\/span> <span style=\"font-weight: 400;\">Odpor\u00fa\u010dam krytie rizika smrti,<a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-invalidity-vam-umozni-zit-nielen-prezivat\/\"> invaliditu,<\/a> kritick\u00e9 choroby, trval\u00e9 n\u00e1sledky \u00farazu a pripoistenie dlhodobej PN-ky. Samozrejme, m\u00f4\u017eete si vybra\u0165 aj z \u010fal\u0161\u00edch pripoisten\u00ed ako je hospitaliz\u00e1cia, denn\u00e9 od\u0161kodn\u00e9 n\u00e1sledkom \u00farazu, chirurgick\u00fd z\u00e1krok, drobn\u00e9 \u00farazy \u010di smr\u0165 n\u00e1sledkom \u00farazu. V\u00fdber z\u00e1vis\u00ed aj od typu v\u00e1\u0161ho povolania. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Ak sa nesk\u00f4r rozhodne va\u0161a rodina poisti\u0165 aj partnera a <a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-pre-dieta\/\">deti,<\/a> \u010dasto sa to oplat\u00ed v rovnakej pois\u0165ovni ako je poisten\u00fd \u017eivite\u013e rodiny. Aj kv\u00f4li<strong> z\u013eav\u00e1m<\/strong>, ktor\u00e9 pois\u0165ovne poskytuj\u00fa, ak je na zmluve viac os\u00f4b.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\">5. Chcete by\u0165 poisten\u00ed len v pois\u0165ovni, na ktor\u00fa ste zvyknut\u00ed<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pribli\u017ene p\u00e4tina Slov\u00e1kov (22 %) pri v\u00fdbere vhodn\u00e9ho poistenia preferuje len jednu pois\u0165ov\u0148u, s ktorou maj\u00fa sk\u00fasenosti oni sami alebo ich rodina. <\/span><span style=\"font-weight: 400;\">Ako sa hovor\u00ed, zvyk je \u017eelezn\u00e1 ko\u0161e\u013ea a plat\u00ed to aj v pr\u00edpade poistn\u00e9ho trhu. \u010castokr\u00e1t sa stret\u00e1vam s n\u00e1zorom, \u017ee klienti s\u00fa <strong>zvyknut\u00ed na jednu zna\u010dku<\/strong> pois\u0165ovne a nedaj\u00fa na \u0148u dopusti\u0165. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ak v\u00e1m pois\u0165ov\u0148a pon\u00faka kvalitn\u00e9 krytie, nevid\u00edm v tom probl\u00e9m. Sk\u00f4r je probl\u00e9m, ak preferujete svoj n\u00e1zor na \u00fakor<strong> n\u00e1zoru odborn\u00edka<\/strong> a \u010fal\u0161\u00edch odpor\u00fa\u010dan\u00fdch mo\u017enosti, ktor\u00e9 m\u00f4\u017eu by\u0165 pre v\u00e1s v\u00fdhodnej\u0161ie aj v inej pois\u0165ovni.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">NA \u010cO DA\u0164 POZOR: <\/span><\/strong>V pois\u0165ovniach na trhu s\u00fa<strong><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\"> ve\u013ek\u00e9 rozdiely<\/a>,<\/strong> a to nielen v cene poistn\u00e9ho, ale hlavne v mo\u017enostiach a podmienkach r\u00f4znych<strong> pripoisten\u00ed.<\/strong> Takisto v maxim\u00e1lnych<strong> poistn\u00fdch sum\u00e1ch,<\/strong> ktor\u00e9 pois\u0165ovne vypl\u00e1caj\u00fa klientom a ka\u017ed\u00e1 pois\u0165ov\u0148a m\u00f4\u017ee ma\u0165 v podmienkach aj in\u00e9<strong> v\u00fdluky<\/strong>, teda situ\u00e1cie, kedy klientom nevyplat\u00ed poistn\u00e9 plnenie. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>V\u00fdber vhodn\u00e9ho poistenia v\u017edy z\u00e1vis\u00ed od va\u0161ich individu\u00e1lnych potrieb. Odpor\u00fa\u010dam sa poradi\u0165 <a href=\"https:\/\/www.fingo.sk\/kontakty\">s finan\u010dn\u00fdm sprostredkovate\u013emi z FinGO.sk<\/a>, ktor\u00ed poznaj\u00fa produkty viacer\u00fdch pois\u0165ovn\u00ed na trhu, vedia ich <strong>objekt\u00edvne porovna\u0165<\/strong> a vybra\u0165 pre v\u00e1s to najvhodnej\u0161ie rie\u0161enie. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Makl\u00e9r v\u00e1m vysvetl\u00ed v\u0161etky mo\u017enosti bez toho, aby uprednost\u0148oval len jedno rie\u0161enie tak ako to robia v pois\u0165ovni.<\/span><\/p>\n<\/blockquote>\n<h3><span style=\"color: #ec8124;\">6. Chcete si s poisten\u00edm aj spori\u0165 &#8211; preferujete investi\u010dn\u00e9 poistenie<\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><strong>P\u00e4tina \u013eud\u00ed (20 %)<\/strong> e\u0161te st\u00e1le preferuje investi\u010dn\u00e9 \u017eivotn\u00e9 poistenie pred rizikov\u00fdm, hoci <a href=\"https:\/\/www.fingo.sk\/investovanie\">priamym investovan\u00edm<\/a> by svoje peniaze zhodnotili v\u00fdhodnej\u0161ie. Aj tento v\u00fdsledok prieskumu m\u00f4\u017ee s\u00favisie\u0165 so spom\u00ednanou n\u00edzkou finan\u010dnou gramotnos\u0165ou \u013eud\u00ed a zau\u017e\u00edvan\u00fdmi dogmami. Ve\u013ea klientov st\u00e1le vyh\u013ead\u00e1va \u017eivotn\u00e9 poistenie s mo\u017enos\u0165ou zhodnocovania finan\u010dn\u00fdch prostriedkov, nako\u013eko s\u00fa na to zvyknut\u00ed. Dr\u017eia sa zau\u017e\u00edvan\u00e9ho a boja sa zmeny. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Investi\u010dn\u00e9 \u017eivotn\u00e9 poistenie je v\u0161ak<strong> zastaral\u00fd produkt.<\/strong> Podobne ako sa vyv\u00edja napr\u00edklad technika, mobily, je to aj s poisten\u00edm. To, \u010do bolo v minulosti top a fungovalo ako najlep\u0161ia vo\u013eba na trhu, dnes u\u017e neplat\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400; color: #ec8124;\"><strong><span style=\"color: #ec8124;\">NA \u010cO DA\u0164 POZOR:<\/span><\/strong>\u00a0<\/span><span style=\"font-weight: 400;\">Ak si chcete spori\u0165, <strong>efekt\u00edvnej\u0161ie<\/strong> je uzavrie\u0165 si samostatne rizikov\u00e9 \u017eivotn\u00e9 poistenie a samostatne si spori\u0165, resp. <a href=\"https:\/\/www.fingo.sk\/blog\/oplati-sa-investovat-v-banke-alebo-cez-maklera\/\">investova\u0165.<\/a> Na finan\u010dnom trhu toti\u017e v s\u00fa\u010dasnosti n\u00e1jdete ove\u013ea zauj\u00edmavej\u0161ie mo\u017enosti na zhodnotenie pe\u0148az\u00ed. Samostatn\u00e9 investovanie do fondov je v porovnan\u00ed so sporen\u00edm cez investi\u010dn\u00e9 \u017eivotn\u00e9 poistenie aj poplatkovo lacnej\u0161ie. <\/span><\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=invest_gif\"><img decoding=\"async\" class=\"alignnone wp-image-3620 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/investovanie_blog.gif\" alt=\"Fingo.sk investovanie kalkula\u010dka\" width=\"1350\" height=\"738\" \/><\/a><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">TIP:<\/span> <\/strong>Ale ak u\u017e investi\u010dn\u00e9 \u017eivotn\u00e9 poistenie m\u00e1te a chceli by ste ho zru\u0161i\u0165, po\u017eiadajte o pomoc odborn\u00edka. V t\u00fdchto zmluv\u00e1ch \u010dasto treba<strong> dodr\u017ea\u0165 dohodnut\u00fa dobu<\/strong> trvania zmluvy, aby ste jej pred\u010dasn\u00fdm zru\u0161en\u00edm nepri\u0161li o finan\u010dn\u00fd v\u00fdnos, ktor\u00fd je na to naviazan\u00fd.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\">7. V zmluve zaml\u010d\u00edte zdravotn\u00fd stav \u010di \u0161portov\u00fa \u010dinnos\u0165<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pod\u013ea prieskumu 17 % klientov pri uzatv\u00e1ran\u00ed poistenia podcen\u00ed svoj zdravotn\u00fd stav, \u0161portov\u00fa \u010dinnos\u0165 alebo pracovn\u00e9 zaradenie. To sa im v\u0161ak<strong> nesk\u00f4r m\u00f4\u017ee vypomsti\u0165.<\/strong> Klienti neprikladaj\u00fa v\u00e1\u017enos\u0165 hlavne svojmu zdravotn\u00e9mu stavu. Pr\u00e1ve po jeho zaml\u010dan\u00ed sa potom stret\u00e1vame aj s neplnen\u00edm poistn\u00fdch udalost\u00ed. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ako pr\u00edklad m\u00f4\u017eeme uvies\u0165, ak klient <strong>v dotazn\u00edku neuvedie<\/strong> svoj zv\u00fd\u0161en\u00fd index BMI alebo \u017ee sa lie\u010di na vysok\u00fd krvn\u00fd tlak a n\u00e1sledne dostane infarkt alebo in\u00e9 ochorenie, na ktor\u00e9 vpl\u00fdvaj\u00fa pr\u00e1ve spom\u00ednan\u00e9 zaml\u010dan\u00e9 rizikov\u00e9 faktory. Rovnako je to aj so z\u013eah\u010dovan\u00edm rizikovej \u0161portovej a pracovnej \u010dinnosti. Niekedy sa dokonca stret\u00e1vam aj s pr\u00edpadmi, kedy klient vedome zaml\u010d\u00ed dan\u00fa skuto\u010dnos\u0165, aby na celkovom poistnom platil menej <strong>na \u00fakor kvalitn\u00e9ho <\/strong>poistn\u00e9ho krytia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">NA \u010cO DA\u0164 POZOR: <\/span><\/strong>Ak do poistenia vstupujete ako akt\u00edvny \u0161portovec, klient s rizikov\u00fdm povolan\u00edm alebo s nejak\u00fdmi zdravotn\u00fdmi komplik\u00e1ciami, m\u00f4\u017ee by\u0165 poistenie pre v\u00e1s o nie\u010do drah\u0161ie. Aj preto je d\u00f4le\u017eit\u00e9, aby ste pravdivo odpovedali na v\u0161etky <strong>ot\u00e1zky v zdravotnom dotazn\u00edku<\/strong>, ktor\u00fd je s\u00fa\u010das\u0165ou zmluvy \u017eivotn\u00e9ho poistenia. Na konci podp\u00ed\u0161ete vyhl\u00e1senie, \u017ee ste na ne odpovedali pravdivo. <\/span><span style=\"font-weight: 400;\">Ke\u010f si nesk\u00f4r budete n\u00e1rokova\u0165 poistn\u00e9 plnenie, pois\u0165ov\u0148a si m\u00f4\u017ee vy\u017eiada\u0165 va\u0161u kompletn\u00fa zdravotn\u00fa dokument\u00e1ciu so v\u0161etk\u00fdmi \u00fadajmi o va\u0161om zdravotnom stave. <\/span><\/p>\n<blockquote>\n<p><span style=\"font-weight: 400;\">Ak pois\u0165ov\u0148a zist\u00ed, \u017ee ste v zdravotnom dotazn\u00edku nie\u010do zatajili, nemus\u00ed v\u00e1m poskytn\u00fa\u0165 poistn\u00e9 plnenie a dokonca v\u00e1m m\u00f4\u017ee poistenie aj zru\u0161i\u0165.<\/span><\/p>\n<\/blockquote>\n<h3><span style=\"color: #ec8124;\">\u017divotn\u00e9 poistenie si viete uzavrie\u0165 aj online<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Na trhu \u017eivotn\u00e9ho poistenia v roku 2021 pokra\u010doval trend digitaliz\u00e1cie a inov\u00e1ci\u00ed. Novinkou je aj to, \u017ee poistenie sa d\u00e1 uzavrie\u0165 aj <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\"><strong>online. <\/strong><\/a><strong>Ako to prebieha?\u00a0<\/strong><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S makl\u00e9rom FinGO.sk si dohodnete <strong>online stretnutie<\/strong> cez niektor\u00fa z webov\u00fdch komunika\u010dn\u00fdch aplik\u00e1ci\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Po anal\u00fdze va\u0161ich potrieb v\u00e1m makl\u00e9r elektronicky po\u0161le<strong> n\u00e1vrh zmluvy.\u00a0<\/strong><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Podp\u00ed\u0161ete<\/strong> ju vektorov\u00fdm podpisom, platbou alebo cez QR k\u00f3d.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dokumenty po podpise dostanete vy, pois\u0165ov\u0148a aj v\u00e1\u0161 makl\u00e9r <strong>elektronickou formou<\/strong><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Elektronicky m\u00f4\u017ee prebieha\u0165 aj \u010fal\u0161ia komunik\u00e1cia a n\u00e1sledn\u00fd servis, <strong>pr\u00edpadn\u00e9 \u00fapravy<\/strong> va\u0161ej zmluvy a podobne.<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\">Porovn\u00e1me v\u00e1m mo\u017enosti a skontrolujeme star\u0161ie zmluvy<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">V\u00fdber \u017eivotn\u00e9ho poistenia rozhodne nepodce\u0148ujte. Obr\u00e1\u0165te sa na sk\u00fasen\u00fdch odborn\u00edkov, ktor\u00ed maj\u00fa <\/span><b>preh\u013ead<\/b> o cen\u00e1ch, podmienkach,<span style=\"font-weight: 400;\"> ale aj v\u00fdluk\u00e1ch \u010di h\u00e1\u010dikoch r\u00f4znych poistn\u00fdch produktov na trhu. Vedia v\u00e1m ich <\/span><b>objekt\u00edvne <\/b>porovna\u0165<span style=\"font-weight: 400;\"> s oh\u013eadom na va\u0161e potreby, \u017eivotn\u00fa aj finan\u010dn\u00fa situ\u00e1ciu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finan\u010dn\u00fdch sprostredkovate\u013eov <strong>z FinGO.sk<\/strong> n\u00e1jdete na celom Slovensku a <\/span><b>bezplatne <\/b><span style=\"font-weight: 400;\">a nez\u00e1v\u00e4zne v\u00e1m skontrolujeme aj va\u0161e <\/span>star\u0161ie poistn\u00e9 zmluvy<span style=\"font-weight: 400;\">. Budete si tak ist\u00ed, \u017ee v\u00e1s pred nepredv\u00eddan\u00fdmi situ\u00e1ciami chr\u00e1nia naozaj dostato\u010dne.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zavolajte n\u00e1m na <a href=\"tel:0800601060\"><strong>0800 60 10 60<\/strong><\/a><\/span><span style=\"font-weight: 400;\">\u00a0alebo n\u00e1m <strong>zanechajte <\/strong><\/span><b>kontakt <\/b>vo formul\u00e1ri ni\u017e\u0161ie<span style=\"font-weight: 400;\"> a my sa v\u00e1m ozveme.<\/span><\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/4536#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>\u010cast\u00e9 chyby v \u017eivotnom poisten\u00ed v\u00e1m m\u00f4\u017eu zbyto\u010dne sp\u00f4sobi\u0165 probl\u00e9my. Pois\u0165ov\u0148a v\u00e1m potom v \u0165a\u017ekej \u017eivotnej situ\u00e1cii nemus\u00ed vyplati\u0165 poistn\u00e9 plnenie, hoci ste si poistku poctivo platili nieko\u013eko rokov. Ako si poistenie uzavrie\u0165, aby v\u00e1m pomohlo tak, ako to naozaj m\u00f4\u017eete potrebova\u0165? V \u010dl\u00e1nku sa do\u010d\u00edtate: Pre\u010do najlacnej\u0161ie \u017eivotn\u00e9 poistenie nemus\u00ed by\u0165 najv\u00fdhodnej\u0161ie Ak\u00e9 finan\u010dn\u00e9 probl\u00e9my m\u00f4\u017eu nasta\u0165, ak \u017eivotn\u00e9 poistenie podcen\u00edte\u00a0 Ak\u00e9 zmeny treba hl\u00e1si\u0165 pois\u0165ovni a kedy poistn\u00fa zmluvu skontrolova\u0165\u00a0 Pre\u010do je u\u017e investi\u010dn\u00e9 \u017eivotn\u00e9 poistenie zastaral\u00fd produkt a neoplat\u00ed sa\u00a0 \u017divotn\u00e9 poistenie si viete uzavrie\u0165 aj online. Ako to prebieha vo FinGO.sk \u010eal\u0161ie tipy, ktor\u00e9 sa v\u00e1m z\u00eddu ak u\u017e poistku m\u00e1te alebo si ju len chcete uzavrie\u0165\u00a0 1. Chcete plati\u0165 \u010do najmenej, ale nebudete dostato\u010dne kryt\u00ed Pod\u013ea prieskumu FinGO.sk sa a\u017e 74 % \u013eud\u00ed zauj\u00edma o najlacnej\u0161ie \u017eivotn\u00e9 poistenie. \u013dudia sa predov\u0161etk\u00fdm zameriavaj\u00fa na n\u00edzku cenu na \u00fakor kvalitn\u00e9ho poistn\u00e9ho krytia. Ale ak nechcete podceni\u0165 \u017eivotn\u00e9 poistenie, poistn\u00e9 sumy v jednotliv\u00fdch pripoisteniach by ste mali ma\u0165 nastaven\u00e9 tak, aby v\u00e1m plnohodnotne nahradili v\u00fdpadok pr\u00edjmu a pokryli obdobie spojen\u00e9 so zdravotn\u00fdmi \u0165a\u017ekos\u0165ami. TIP: Cena poistenia sa odv\u00edja hlavne od v\u00fd\u0161ky va\u0161ich z\u00e1v\u00e4zkov, najm\u00e4 \u00faverov, takisto od v\u00e1\u0161ho pr\u00edjmu a rodinnej situ\u00e1cie. Vo v\u0161eobecnosti by sa poistn\u00e9 malo [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":4538,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,73,157,15],"tags":[253,57,223,221,89,95],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 \u010dast\u00fdch ch\u00fdb pri \u017eivotnom poisten\u00ed, ktor\u00e9 v\u00e1s m\u00f4\u017eu st\u00e1\u0165 ve\u013ea - FinGO.sk<\/title>\n<meta name=\"description\" content=\"\u010cast\u00e9 chyby v \u017eivotnom poisten\u00ed v\u00e1m m\u00f4\u017eu sp\u00f4sobi\u0165 probl\u00e9my. Pois\u0165ov\u0148a v\u00e1m potom v \u0165a\u017ekej \u017eivotnej situ\u00e1cii nemus\u00ed vyplati\u0165 poistn\u00e9 plnenie.\" \/>\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\/7-castych-chyb-pri-zivotnom-poisteni-ktore-vas-mozu-stat-vela\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7 \u010dast\u00fdch ch\u00fdb pri \u017eivotnom poisten\u00ed, ktor\u00e9 v\u00e1s m\u00f4\u017eu st\u00e1\u0165 ve\u013ea - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"\u010cast\u00e9 chyby v \u017eivotnom poisten\u00ed v\u00e1m m\u00f4\u017eu sp\u00f4sobi\u0165 probl\u00e9my. 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