{"id":1197,"date":"2023-02-22T11:24:43","date_gmt":"2023-02-22T10:24:43","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?p=1197"},"modified":"2023-02-27T13:37:34","modified_gmt":"2023-02-27T12:37:34","slug":"pojisteni-schopnosti-splacet-ma-smysl","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/pojisteni-schopnosti-splacet-ma-smysl\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet- m\u00e1 smysl (?)"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">Bankopoji\u0161t\u011bn\u00ed nebo tak\u00e9 Cardif, jak\u00e1 je praxe?<\/h3>\n\n\n\n<p><strong>V r\u00e1mci hypote\u010dn\u00edch \u00fav\u011br\u016f je mo\u017en\u00e9 pojistit pr\u00e1v\u011b v\u00fdpadek\/ sn\u00ed\u017een\u00ed p\u0159\u00edjm\u016f v dob\u011b pracovn\u00ed neschopnosti a to v d\u016fsledku \u00farazu i nemoci p\u0159\u00edpadn\u011b invalidity III. stupn\u011b.<\/strong> Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet, n\u011bkdy tak\u00e9 zn\u00e1m\u00e9 pod n\u00e1zvem bankopoji\u0161t\u011bn\u00ed nebo jednodu\u0161e Cardif slou\u017e\u00ed pro zaji\u0161t\u011bn\u00ed spl\u00e1tek hypote\u010dn\u00edho \u00fav\u011bru, tedy pojistn\u00e9 pln\u011bn\u00ed nejde v\u00e1m na \u00fa\u010det, n\u00fdbr\u017e bance- nelze tak tedy toto poji\u0161t\u011bn\u00ed vyu\u017e\u00edt pro kryt\u00ed v\u00fdpadku b\u011b\u017en\u00fdch n\u00e1klad\u016f na provoz dom\u00e1cnosti.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>Na n\u00e1sleduj\u00edc\u00edm p\u0159\u00edkladu v\u00e1s sezn\u00e1m\u00edm s&nbsp; rozd\u00edly v pln\u011bn\u00ed mezi Cardifem a soukrom\u00fdm \u017eivotn\u00edm\/rizikov\u00fdm poji\u0161t\u011bn\u00edm a to v p\u0159\u00edpad\u011b, \u017ee jste zam\u011bstnanec, OSV\u010c bez dobrovoln\u00e9ho nemocensk\u00e9ho poji\u0161t\u011bn\u00ed a s dobrovoln\u00fdm nemocensk\u00fdm poji\u0161t\u011bn\u00edm.<\/p>\n\n\n\n<p>Osobn\u011b jsem v\u0161ak zast\u00e1nce samostatn\u00e9ho soukrom\u00e9ho poji\u0161t\u011bn\u00ed, kter\u00e9 je mo\u017en\u00e9 v pr\u016fb\u011bhu \u017eivota (i spl\u00e1cen\u00ed hypot\u00e9ky) kdykoliv m\u011bnit, podle toho, jak vy\u017eaduje \u017eivotn\u00ed situace. Nicm\u00e9n\u011b bankopoji\u0161t\u011bn\u00ed m\u016f\u017ee v n\u011bkter\u00fdch p\u0159\u00edpadech b\u00fdt pom\u011brn\u011b u\u017eite\u010dnou alternativou. Na n\u00e1sleduj\u00edc\u00edch p\u0159\u00edkladech v\u00e1m uvedu pro\u010d.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p><em><strong>Pro zam\u011bstnance i OSV\u010c plat\u00ed n\u00e1sleduj\u00edc\u00ed:<\/strong><\/em><br> <em>M\u011bs\u00ed\u010dn\u00ed spl\u00e1tka hypot\u00e9ky 7.500,- (z toho 3.900,- \u00farok a 3.600,- jistina)<\/em><br> <em>N\u00e1klady na provoz dom\u00e1cnosti (slu\u017eby, internet, TV) 5.500,-<\/em><br> <em>Osobn\u00ed v\u00fddaje (poji\u0161t\u011bn\u00ed, j\u00eddlo, doprava, z\u00e1bava) 8.000,-<\/em><br> <em>Spo\u0159en\u00ed a investice (penzijko, stavebn\u00ed spo\u0159en\u00ed, pod\u00edlov\u00e9 fondy) 3.500,-<\/em><br> <em>Cekem m\u011bs\u00ed\u010dn\u00ed v\u00fddaje: 24.500,-<\/em><br> <em>\u010cist\u00fd p\u0159\u00edjem 30.000,- (hrub\u00fd p\u0159\u00edjem 41.000)<\/em><\/p>\n\n\n\n<p>U soukrom\u00e9ho poji\u0161t\u011bn\u00ed m\u00e1 OSV\u010c sjednan\u00e9:<\/p>\n\n\n\n<ul>\n<li>Denn\u00ed od\u0161kodn\u00e9 ve v\u00fd\u0161i  500 K\u010d \/den <\/li>\n\n\n\n<li> Hospitalizace (nemoc i \u00faraz) od 1. dne  300 K\u010d\/den <\/li>\n\n\n\n<li> Denn\u00ed od\u0161kodn\u00e9 za l\u00e9\u010den\u00ed \u00farazu s progres\u00ed  300 K\u010d\/den <\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Jak\u00e9 pen\u00edze m\u016f\u017eete v p\u0159\u00edpad\u011b pracovn\u00ed neschopnosti o\u010dek\u00e1vat?<\/h3>\n\n\n<p><span style=\"color: #ff9900;\"><strong data-rich-text-format-boundary=\"true\">A) kdy\u017e jste zam\u011bstnanec<\/strong>:<\/span><\/p>\n<p>Tzv. karen\u010dn\u00ed doba, tzn. nevypl\u00e1cen\u00ed n\u00e1hrady mzdy b\u011bhem prvn\u00edch t\u0159\u00ed pracovn\u00edch dn\u016f do\u010dasn\u00e9 pracovn\u00ed neschopnosti, byla zru\u0161ena s \u00fa\u010dinnost\u00ed od 1. \u010dervence 2019<\/p>\n<p><em>\u21d2&nbsp; Od 1.-14. dne dostanete n\u00e1hradu mzdy od zam\u011bstnavatele ve v\u00fd\u0161i <strong>11.088,- K\u010d <\/strong><\/em><\/p>\n<p><em>\u21d2&nbsp; Od 15. dne pracovn\u00ed neschopnosti za\u010dnete dost\u00e1vat nemocensk\u00e9 a to za ka\u017ed\u00fd den v\u010detn\u011b v\u00edkend\u016f a to a\u017e do ukon\u010den\u00ed pracovn\u00ed neschopnosti, tj. <strong>10.656,-<\/strong><\/em><\/p>\n<p><em>\u21d2 Od poji\u0161\u0165ovny pak sice na sv\u016fj \u00fa\u010det nedostanete nic, ale banka obdr\u017e\u00ed pln\u011bn\u00ed ve v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky hypot\u00e9ky, tedy: <strong>7.500,- K\u010d<\/strong><\/em><!--more--><\/p>\n\n<div class=\"ub-expand \" id=\"ub-expand-c49f84ed-58d3-4330-8f86-4ead81cf182c\">\n<div class=\"ub-expand-portion ub-expand-partial\">\n<div class=\"ub-expand \" id=\"ub-expand-cb2a63c5-065e-4264-9b98-0d48540aed9e\">\n<div class=\"ub-expand-portion ub-expand-partial\">\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"has-text-align-center has-blue-background-color has-background\"><strong> Postup v\u00fdpo\u010dtu n\u00e1hrady mzdy<\/strong><\/p>\n\n<a class=\"ub-expand-toggle-button\" role=\"button\" aria-expanded=\"false\" aria-controls=\"ub-expand-full-cb2a63c5-065e-4264-9b98-0d48540aed9e\" tabindex=\"0\"> <strong>Uk\u00e1zat postup v\u00fdpo\u010dtu<\/strong> <\/a><\/div>\n\n<div class=\"ub-expand-portion ub-expand-full ub-hide\">\n\n<p>Nejprve je pot\u0159eba ur\u010dit, \njak\u00e1 je v\u00fd\u0161e p\u016fm\u011brn\u00e9ho hodinov\u00e9ho v\u00fdd\u011blku (tento \u00fadaj nej\u010dast\u011bji b\u00fdv\u00e1 \nuveden\u00fd ve v\u00fdplatn\u00ed p\u00e1sce, nicm\u00e9n\u011b je mo\u017en\u00e9 jej tak\u00e9 odvodit tak, \u017ee \npr\u016fm\u011brn\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem- v na\u0161em p\u0159\u00edkladu 30tis vyd\u011bl\u00edme pr\u016fm\u011brn\u00fdm \npo\u010dtem pracovn\u00edch dn\u00ed v m\u011bs\u00edci, tedy 20ti a v\u00fdsledek d\u00e1le po\u010dtem \npracovn\u00edch hodin za den, tedy 8 a vyjde n\u00e1m pr\u016fm\u011brn\u00fd hodinov\u00fd v\u00fdd\u011blek \n187,5 K\u010d\/hodina)<\/p>\n\n\n\n<p>Hodinov\u00fd v\u00fdd\u011blek je 187,50 K\u010d. Jste v pracovn\u00ed neschopnosti 30 pracovn\u00edch dn\u00ed (104 pracovn\u00edch hodin od 1.-14. dne). <\/p>\n\n\n\n<p>Hodinov\u00fd v\u00fdd\u011blek je nutn\u00e9 podle z\u00e1kona redukovat a to n\u00e1sleduj\u00edc\u00edm zp\u016fsobem: <br>\nz \u010d\u00e1stky do 175 K\u010d se po\u010d\u00edt\u00e1 90 % (tj. 157,50 K\u010d)<br>\nz \u010d\u00e1stky od 175 do 262,33 K\u010d se po\u010d\u00edt\u00e1 60 % (tj. (187,50-175)<em>60%=7,50K\u010d)\nz \u010d\u00e1stky od 175 do 262,33 K\u010d se po\u010d\u00edt\u00e1 60 % (tj. (187,50-175)<\/em>60%=7,50K\u010d)z \u010d\u00e1stky od 262,33 do 524.65 K\u010d se po\u010d\u00edt\u00e1 30 %<br>\nz \u010d\u00e1stky nad 524.65 K\u010d se u\u017e nic nezapo\u010d\u00edt\u00e1v\u00e162,33 do 524.65 K\u010d se po\u010d\u00edt\u00e1 30 %<\/p>\n\n\n\n<p>Redukovan\u00fd pr\u016fm\u011brn\u00fd hodinov\u00fd v\u00fdd\u011blek pak vych\u00e1z\u00ed na 165,-K\u010d (z t\u00e9to \n\u010d\u00e1tky pak zam\u011bstnavatel vypl\u00e1c\u00ed 60%). Zam\u011bstnavatel v\u00e1m tak za dobu od \n1.-14. dne pracovn\u00ed neschopnosti vyplat\u00ed  n\u00e1hradu mzdy ve v\u00fd\u0161i: (14dn\u00ed <em>8hodin)<\/em> (165*60%)= 11.088,-<\/p>\n\n<a class=\"ub-expand-toggle-button\" role=\"button\" aria-expanded=\"false\" aria-controls=\"ub-expand-full-cb2a63c5-065e-4264-9b98-0d48540aed9e\" tabindex=\"0\"> <strong>Skr\u00fdt postup<\/strong> <\/a><\/div>\n<\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"has-text-color\" style=\"color:#f29913\"><strong>B)&nbsp; kdy\u017e jste OSV\u010c a neplat\u00edte si dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed:<\/strong><\/p>\n\n\n\n<p>V&nbsp;p\u0159\u00edpad\u011b OSV\u010c, pokud si neplat\u00edte dobrovoln\u00e9 nemocensk\u00e9, jste pak odk\u00e1z\u00e1ni pouze na pln\u011bn\u00ed z&nbsp;pojistn\u00e9 smlouvy, kter\u00e9 vypad\u00e1 n\u00e1sledovn\u011b:<\/p>\n\n\n\n<p><em>\u21d2 Pracovn\u00ed neschopnost od 1. dne tj:&nbsp;500*30=15.000,-<\/em><\/p>\n\n\n\n<p><em>\u21d2 Hospitalizace 14dn\u00ed, tj.&nbsp; 300*14= 4.200,-<\/em><\/p>\n\n\n\n<p><em>\u21d2 Celkem tak od poji\u0161\u0165ovny dostanete<\/em><strong><em> 19.200,-<\/em><br><\/strong><\/p>\n\n\n\n<p><strong>Jestli\u017ee si plat\u00edte i pojistku k hypot\u00e9ce, pak nav\u00edc za v\u00e1s poji\u0161\u0165ovna uhrad\u00ed spl\u00e1tku hypot\u00e9ky p\u0159\u00edmo bance.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"has-text-align-center has-blue-background-color has-background\"><strong> Postup v\u00fdpo\u010dtu nemocensk\u00e9 od 15. dne<\/strong><\/p>\n\n<a class=\"ub-expand-toggle-button\" role=\"button\" aria-expanded=\"false\" aria-controls=\"ub-expand-full-c49f84ed-58d3-4330-8f86-4ead81cf182c\" tabindex=\"0\"> <strong>Uk\u00e1zat postup v\u00fdpo\u010dtu<\/strong> <\/a><\/div>\n\n<div class=\"ub-expand-portion ub-expand-full ub-hide\">\n\n<p>Z\u00e1kladem pro v\u00fdpo\u010det \nnemocensk\u00e9 je denn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad, kter\u00fd se odv\u00edj\u00ed od dosa\u017een\u00e9ho \np\u0159\u00edjmu v p\u0159edch\u00e1zej\u00edc\u00edch 12 kalend\u00e1\u0159n\u00edch m\u011bs\u00edc\u00edch.  V na\u0161em p\u0159\u00edkladu je \nto 41.000,- hrub\u00e9ho za m\u011bs\u00edc. Denn\u00ed vym\u011b\u0159ovac\u00ed  z\u00e1klad je hrub\u00fd p\u0159\u00edjem v\n 12 p\u0159edch\u00e1zej\u00edc\u00edch kalend\u00e1\u0159n\u00edch m\u011bs\u00edc\u00edch  p\u0159ipadaj\u00edc\u00ed na jeden den \n(tedy 41tis*12m\u011bs\u00edc\u016f a d\u011bleno 365dny) = vyjde  n\u00e1m z\u00e1klad 1.347,95 K\u010d. <\/p>\n\n\n\n<p>Denn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad se n\u00e1sledn\u011b redukuje:<br>\n60 % z redukovan\u00e9ho denn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu za 15. &#8211; 30. den pracovn\u00ed neschopnosti,<br>\n66 % z redukovan\u00e9ho denn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu za 31. &#8211; 60. den pracovn\u00ed neschopnosti,<br>\n72 % z redukovan\u00e9ho denn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu od 61. dne pracovn\u00ed neschopnosti.<\/p>\n\n\n\n<p>Reduk\u010dn\u00ed hranice pro \u00fapravu denn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu jsou pro rok 2018 stanoveny n\u00e1sledovn\u011b:<br>\n I. reduk\u010dn\u00ed hranice je 1 000 K\u010d (zapo\u010d\u00edt\u00e1v\u00e1 se z 90 %) tj. 900,-<br>\nII. reduk\u010dn\u00ed hranice je 1 499 K\u010d (od 1 000 K\u010d do 1 499 K\u010d se zapo\u010d\u00edt\u00e1v\u00e1 z 60 %) tj. 208,77 K\u010d<br>\nIII. reduk\u010dn\u00ed hranice je 2 998 K\u010d (od 1 499 K\u010d do 2 998 K\u010d se zapo\u010d\u00edt\u00e1v\u00e1 ze 30 %).<\/p>\n\n\n\n<p>Redukovan\u00fd denn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad (RDVZ) je tedy 1 109,00 K\u010d <br>\nNemocensk\u00e1 od 15 . &#8211; 30. dne pracovn\u00ed neschopnosti 10 656,00 K\u010d  tj. (RDVZ) 1 109,00 K\u010d z n\u011bj 60% (tj. 665,40 K\u010d)*16 dn\u00ed) <\/p>\n\n\n\n<p>Z\u00e1kladem pro v\u00fdpo\u010det nemocensk\u00e9 je denn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad, kter\u00fd se \nodv\u00edj\u00ed od dosa\u017een\u00e9ho p\u0159\u00edjmu v p\u0159edch\u00e1zej\u00edc\u00edch 12 kalend\u00e1\u0159n\u00edch m\u011bs\u00edc\u00edch. \n V na\u0161em p\u0159\u00edkladu je to 41.000,- hrub\u00e9ho za m\u011bs\u00edc. Denn\u00ed vym\u011b\u0159ovac\u00ed  \nz\u00e1klad je hrub\u00fd p\u0159\u00edjem v 12 p\u0159edch\u00e1zej\u00edc\u00edch kalend\u00e1\u0159n\u00edch m\u011bs\u00edc\u00edch  \np\u0159ipadaj\u00edc\u00ed na jeden den (tedy 41tis*12m\u011bs\u00edc\u016f a d\u011bleno 365dny) = vyjde  \nn\u00e1m z\u00e1klad 1.347,95 K\u010d. <\/p>\n\n\n\n<p>Denn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad se n\u00e1sledn\u011b redukuje:<br>\n60 % z redukovan\u00e9ho denn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu za 15. &#8211; 30. den pracovn\u00ed neschopnosti,<br>\n66 % z redukovan\u00e9ho denn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu za 31. &#8211; 60. den pracovn\u00ed neschopnosti,<br>\n72 % z redukovan\u00e9ho denn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu od 61. dne pracovn\u00ed neschopnosti.<\/p>\n\n\n\n<p>Reduk\u010dn\u00ed hranice pro \u00fapravu denn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu jsou pro rok 2018 stanoveny n\u00e1sledovn\u011b:<br>\n I. reduk\u010dn\u00ed hranice je 1 000 K\u010d (zapo\u010d\u00edt\u00e1v\u00e1 se z 90 %) tj. 900,-<br>\nII. reduk\u010dn\u00ed hranice je 1 499 K\u010d (od 1 000 K\u010d do 1 499 K\u010d se zapo\u010d\u00edt\u00e1v\u00e1 z 60 %) tj. 208,77 K\u010d<br>\nIII. reduk\u010dn\u00ed hranice je 2 998 K\u010d (od 1 499 K\u010d do 2 998 K\u010d se zapo\u010d\u00edt\u00e1v\u00e1 ze 30 %).<\/p>\n\n\n\n<p>Redukovan\u00fd denn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad (RDVZ) je tedy 1 109,00 K\u010d <br>\nNemocensk\u00e1 od 15 . &#8211; 30. dne pracovn\u00ed neschopnosti 10 656,00 K\u010d  tj. (RDVZ) 1 109,00 K\u010d z n\u011bj 60% (tj. 665,40 K\u010d)*16 dn\u00ed) <\/p>\n\n<a class=\"ub-expand-toggle-button\" role=\"button\" aria-expanded=\"false\" aria-controls=\"ub-expand-full-c49f84ed-58d3-4330-8f86-4ead81cf182c\" tabindex=\"0\"><strong>Skr\u00fdt postup<\/strong> <\/a><\/div>\n<\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n<p><span style=\"color: #ff9900;\"><strong>C) kdy\u017e jste OSV\u010c a plat\u00edte si dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed:<\/strong><\/span><\/p>\n<p><em>\u21d2 V&nbsp;p\u0159\u00edpad\u011b, \u017ee si jako OSV\u010c plat\u00edte nav\u00edc alespo\u0148 minim\u00e1ln\u00ed nemocensk\u00e9 poji\u0161t\u011bn\u00ed ve v\u00fd\u0161i nap\u0159\u00edklad 300,- pak k p\u0159edchoz\u00edmu v\u00fdpo\u010dtu je mo\u017en\u00e9 p\u0159i\u010d\u00edst nav\u00edc pln\u011bn\u00ed od \u00daSSZ a to:<\/em><\/p>\n<p>Za prvn\u00edch 14 dn\u016f&nbsp;do\u010dasn\u00e9 pracovn\u00ed neschopnosti OSV\u010c nemocensk\u00e9 nen\u00e1le\u017e\u00ed, od 15. dne pak dostanete od \u00daSSZ denn\u00ed d\u00e1vku nemocensk\u00e9ho ve v\u00fd\u0161i 60 % z&nbsp;redukovan\u00e9ho denn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu, tj. 231 K\u010d\/ den, celkem tedy za 15dn\u00ed dostanete nav\u00edc <strong>3.465,-<\/strong><\/p>\n\n<div class=\"ub-expand \" id=\"ub-expand-2804df1f-db47-447d-b2d2-20c6a6f85b3b\">\n<div class=\"ub-expand-portion ub-expand-partial\">\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"has-text-align-center has-blue-background-color has-background\"><strong>V\u00fdpo\u010det denn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu u OSV\u010c<\/strong><\/p>\n\n<a class=\"ub-expand-toggle-button\" role=\"button\" aria-expanded=\"false\" aria-controls=\"ub-expand-full-2804df1f-db47-447d-b2d2-20c6a6f85b3b\" tabindex=\"0\"><strong>Uk\u00e1zat postup v\u00fdpo\u010dtu<\/strong><\/a><\/div>\n\n<div class=\"ub-expand-portion ub-expand-full ub-hide\">\n\n<p>Dobrovoln\u00e9 platb\u011b \nnemocensk\u00e9ho ve v\u00fd\u0161i  300,-\/m\u011bs\u00ed\u010dn\u011b odpov\u00edd\u00e1 vym\u011b\u0159ovac\u00ed z\u00e1klad \n(vypo\u010dten\u00ed z v p\u0159ehledu, kter\u00fd  se pod\u00e1v\u00e1 s da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm) na \u010d\u00e1stku\n 13.044,- K\u010d<\/p>\n\n\n\n<p>P\u0159i  v\u00fdpo\u010dtu vym\u011b\u0159ovac\u00edho z\u00e1kladu pro v\u00fdpo\u010det d\u00e1vky je pot\u0159eba \nvych\u00e1zet z  p\u0159ehledu pro \u00daSSZ (pod\u00e1v\u00e1 se spolu s da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm): V \nna\u0161em p\u0159\u00edkladu je vym\u011b\u0159ovac\u00ed z\u00e1klad 13.044, kter\u00fd vyn\u00e1sob\u00edme x 12 = \nro\u010dn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad 156.528 K\u010d.<\/p>\n\n\n\n<p>Denn\u00ed  vym\u011b\u0159ovac\u00ed z\u00e1klad (d\u00e1le t\u00e9\u017e \u201eDVZ\u201c) pro d\u00e1vku pak vypo\u010d\u00edt\u00e1me \ntak, \u017ee  vyd\u011bl\u00edme ro\u010dn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad po\u010dtem dn\u016f v roce: 156.528 : \n365= 428,84 K\u010d <\/p>\n\n\n\n<p>Tento z\u00e1klad se redukuje dle uveden\u00fdch hranic tj.:<br>\nDo   1 000 K\u010d se zapo\u010d\u00edt\u00e1v\u00e1 ve v\u00fd\u0161i 90 %, tj. 385,96 K\u010d,<br>\nnad  1 000 K\u010d do 1 499 K\u010d redukce na 60 %, tj. 0 K\u010d,<br>\nnad  1 499 K\u010d do 2 998 K\u010d redukce na 30 %, tj. 0 K\u010d,<br>\nnad  2 998 K\u010d se nezohled\u0148uje.<\/p>\n\n\n\n<p>Redukovan\u00fd denn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad \u010din\u00ed po zaokrouhlen\u00ed 386,- K\u010d.<br>\nZa  prvn\u00edch 14 dn\u016f do\u010dasn\u00e9 pracovn\u00ed neschopnosti OSV\u010c nemocensk\u00e9 \nnen\u00e1le\u017e\u00ed,  od 15. dne je v\u00e1m pak p\u0159izn\u00e1na denn\u00ed d\u00e1vka nemocensk\u00e9ho ve \nv\u00fd\u0161i 60 %  z redukovan\u00e9ho DVZ, tj. 231 K\u010d, celkem tedy za 15dn\u00ed 3.465,-<\/p>\n\n<a class=\"ub-expand-toggle-button\" role=\"button\" aria-expanded=\"false\" aria-controls=\"ub-expand-full-2804df1f-db47-447d-b2d2-20c6a6f85b3b\" tabindex=\"0\"><strong>Skr\u00fdt postup<\/strong><\/a><\/div>\n<\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n<p>Z\u00e1v\u011brem lze tedy uv\u00e9st, \u017ee <strong>poji\u0161t\u011bn\u00ed neschopnosti spl\u00e1cet k hypot\u00e9ce vych\u00e1z\u00ed v uveden\u00e9m p\u0159\u00edkladu jako velmi vhodn\u00e9 poji\u0161t\u011bn\u00ed<\/strong> zvl\u00e1\u0161t\u011b pro p\u0159\u00edpad pracovn\u00ed neschopnosti, co\u017e je dle statistik nej\u010dast\u011bj\u0161\u00ed p\u0159\u00ed\u010dina v\u00fdpadku p\u0159\u00edjm\u016f. <strong>Pokud jste nav\u00edc OSV\u010c rozhodn\u011b v\u00e1m doporu\u010duji p\u0159ipojistit si rizika spojen\u00e1 s \u00farazem, invaliditou i denn\u00ed od\u0161kodn\u00e9 nad r\u00e1mec rozsahu poji\u0161t\u011bn\u00ed k hypot\u00e9ce<\/strong>&#8211; jak vid\u00edte na p\u0159\u00edkladu v\u00fd\u0161e, soukrom\u00e9 poji\u0161t\u011bn\u00ed v\u00e1m pom\u016f\u017ee p\u0159eklenout obdob\u00ed finan\u010dn\u00edho v\u00fdpadku.<\/p>\n<p><\/p>\n\n\n<h3 class=\"wp-block-heading\"> Klady a z\u00e1pory poji\u0161t\u011bn\u00ed <\/h3>\n\n\n\n<section class=\"wp-block-uagb-columns uagb-columns__wrap uagb-columns__background-undefined uagb-columns__stack-mobile uagb-columns__valign-undefined uagb-columns__gap-10 alignundefined uagb-block-b561c696-f01a-4148-bd5e-5198307c1abd\"><div class=\"uagb-columns__overlay\"><\/div><div class=\"uagb-columns__inner-wrap uagb-columns__columns-2\">\n\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-e0d62227-2216-4f79-9e25-a72b844c1399\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n\n<p>Bankopoji\u0161t\u011bn\u00ed<\/p>\n\n\n<p class=\"has-text-color has-green-color\">+ sleva na \u00farokov\u00e9 sazb\u011b hypot\u00e9ky- u\u0161et\u0159\u00edte na \u00faroc\u00edch<\/p>\n\n\n<p class=\"has-text-color has-green-color\">+ poji\u0161\u0165ovna za v\u00e1s uhrad\u00ed a\u017e na dobu 12ti m\u011bs\u00edc\u016f spl\u00e1tky hypot\u00e9ky<\/p>\n\n\n<p class=\"has-text-color has-green-color\">+ jedn\u00e1 se o realitivn\u011b levn\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 m\u016f\u017ee kr\u00fdt i nedobrovolnou ztr\u00e1tu zam\u011bstn\u00e1n\u00ed<\/p>\n\n\n<p class=\"has-text-color has-red-color\">&#8211; nelze m\u011bnit nastaven\u00ed pojistn\u00e9 smlouvy<\/p>\n\n\n<p class=\"has-text-color has-red-color\">&#8211; pojistn\u00e9 pln\u011bn\u00ed jde zdravidla bance (v\u00e1m nikoliv)<\/p>\n\n\n<p class=\"has-text-color has-red-color\">&#8211; n\u011bkter\u00e9 pojistky nekryj\u00ed plnou spl\u00e1tku \u00fav\u011bru, ale jen jeho \u010d\u00e1st\/jistinu; \u00farok pak mus\u00edte zaplatit sami<\/p>\n\n\n<p class=\"has-text-color has-red-color\">&#8211; n\u011bkter\u00e9 v\u00fdluky z poji\u0161t\u011bn\u00ed<\/p>\n\n<\/div><\/div>\n\n\n<div class=\"wp-block-uagb-column uagb-column__wrap uagb-column__background-undefined uagb-block-5870a571-eb3a-4fed-a070-f8f72a7df28e\"><div class=\"uagb-column__overlay\"><\/div><div class=\"uagb-column__inner-wrap\">\n\n<p>Soukrom\u00e9 rizikov\u00e9\/\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/p>\n\n\n<p class=\"has-text-color has-green-color\">+ pojistku si m\u016f\u017eete libovoln\u011b upravovat<\/p>\n\n\n<p class=\"has-text-color has-green-color\">+ pojistn\u00e9 pln\u011bn\u00ed ze smlouvy jde na v\u00e1\u0161 \u00fa\u010det- s \u010d\u00e1stkou m\u016f\u017eete disponovat<\/p>\n\n\n<p class=\"has-text-color has-green-color\">+ m\u00e1te na v\u00fdb\u011br z \u0161irok\u00e9 nab\u00eddky p\u0159ipoji\u0161t\u011bn\u00ed rizik<\/p>\n\n\n<p class=\"has-text-color has-green-color\">+ v n\u011bkter\u00fdch p\u0159\u00edpadech lze uplatnit i sn\u00ed\u017een\u00ed z\u00e1kladu dan\u011b<\/p>\n\n\n<p class=\"has-text-color has-red-color\">&#8211; nev\u00fdhodou m\u016f\u017ee b\u00fdt vy\u0161\u0161\u00ed cena<\/p>\n\n\n<p class=\"has-text-color has-red-color\">&#8211; u vy\u0161\u0161\u00edch \u010d\u00e1stek zkoum\u00e1n\u00ed zdravotn\u00edho stavu<\/p>\n\n\n<p class=\"has-text-color has-red-color\">&#8211; nevztahuje se sleva na \u00farok hypot\u00e9ky<\/p>\n\n\n<p class=\"has-text-color has-red-color\">&#8211; n\u011bkter\u00e9 v\u00fdluky z poji\u0161t\u011bn\u00ed<\/p>\n\n<\/div><\/div>\n\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Bankopoji\u0161t\u011bn\u00ed nebo tak\u00e9 Cardif, jak\u00e1 je praxe? V r\u00e1mci hypote\u010dn\u00edch \u00fav\u011br\u016f je mo\u017en\u00e9 pojistit pr\u00e1v\u011b v\u00fdpadek\/ sn\u00ed\u017een\u00ed p\u0159\u00edjm\u016f v dob\u011b pracovn\u00ed neschopnosti a to v d\u016fsledku \u00farazu i nemoci p\u0159\u00edpadn\u011b invalidity III. stupn\u011b. Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet, n\u011bkdy tak\u00e9 zn\u00e1m\u00e9 pod n\u00e1zvem bankopoji\u0161t\u011bn\u00ed nebo jednodu\u0161e Cardif slou\u017e\u00ed pro zaji\u0161t\u011bn\u00ed spl\u00e1tek hypote\u010dn\u00edho \u00fav\u011bru, tedy pojistn\u00e9 pln\u011bn\u00ed nejde [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7888,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[77,63],"tags":[96],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2023\/02\/Ma-pojisteni-schopnosti-splacet-k-hypotece-smysl.jpg","author_info":{"display_name":"mskarydkova","author_link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/author\/mskarydkova\/"},"_links":{"self":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1197"}],"collection":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/comments?post=1197"}],"version-history":[{"count":2,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1197\/revisions"}],"predecessor-version":[{"id":8036,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1197\/revisions\/8036"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/7888"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1197"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=1197"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=1197"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}