{"id":158130,"date":"2026-08-22T07:23:09","date_gmt":"2026-08-22T07:23:09","guid":{"rendered":"https:\/\/www.europesays.com\/sk\/158130\/"},"modified":"2026-08-22T07:23:09","modified_gmt":"2026-08-22T07:23:09","slug":"slovakom-kazdy-mesiac-miznu-z-uctu-desiatky-eur-takmer-nikto-nevie-na-co-presne-idu","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/sk\/158130\/","title":{"rendered":"Slov\u00e1kom ka\u017ed\u00fd mesiac mizn\u00fa z \u00fa\u010dtu desiatky eur. Takmer nikto nevie, na \u010do presne id\u00fa"},"content":{"rendered":"

Mnoh\u00ed z n\u00e1s ka\u017ed\u00fd mesiac posielaj\u00fa do pois\u0165ovn\u00ed<\/a> nemal\u00e9 \u010diastky s pocitom, \u017ee m\u00e1me kryt\u00fd chrb\u00e1t a na\u0161a rodina je v bezpe\u010d\u00ed. Ke\u010f v\u0161ak pr\u00edde ne\u010dakan\u00e1 rana osudu, realita b\u00fdva \u010dasto tvrd\u00fdm vytriezven\u00edm. Ako u\u017e asi tu\u0161\u00edte, hovor\u00edme o \u017eivotnom poisten\u00ed. Najnov\u0161ie d\u00e1ta z trhu uk\u00e1zali, \u017ee hoci poistku poctivo plat\u00edme, vieme len ve\u013emi m\u00e1lo o tom, \u010do skuto\u010dne obsahuje, a \u010dasto sa spoliehame na zmluvy, ktor\u00e9 n\u00e1s v kr\u00edze nedok\u00e1\u017eu dostato\u010dne podr\u017ea\u0165.<\/p>\n

Prieskum agent\u00fary Market Vision Slovakia pre NN \u017divotn\u00fa pois\u0165ov\u0148u, na ktor\u00fa upozornil<\/a> port\u00e1l Peniaze.sk, odhalil celkom zauj\u00edmav\u00e9 paradoxy. A\u017e sedem z desiatich dospel\u00fdch Slov\u00e1kov (vo veku od 18 do 55 rokov) m\u00e1 uzatvoren\u00e9 \u017eivotn\u00e9 poistenie. No pribli\u017ene polovica z nich nem\u00e1 dostato\u010dn\u00fd preh\u013ead o detailoch svojej zmluvy, zatia\u013e \u010do cel\u00e1 \u0161tvrtina op\u00fdtan\u00fdch dokonca priznala, \u017ee o svojej poistke nevie prakticky v\u00f4bec ni\u010d.<\/p>\n

Modern\u00e9 \u017eivotn\u00e9 poistenie pritom u\u017e d\u00e1vno nesl\u00fa\u017ei iba ako finan\u010dn\u00e1 pomoc pre pozostal\u00fdch v pr\u00edpade \u00famrtia. Spr\u00e1vne nastaven\u00e1 zmluva dok\u00e1\u017ee plnohodnotne kry\u0165 dlhodob\u00fd v\u00fdpadok pr\u00edjmu pri z\u00e1va\u017enej diagn\u00f3ze, preplati\u0165 pobyt v nemocnici, pom\u00f4c\u0165 pri invalidite alebo pokry\u0165 n\u00e1kladn\u00fa lie\u010dbu, ktor\u00fa si \u010dlovek z be\u017en\u00e9ho platu nedok\u00e1\u017ee dovoli\u0165. Ak s\u00fa v\u0161ak parametre zmluvy nastaven\u00e9 zle, hroz\u00ed, \u017ee sa pr\u00e1ve v kritickom momente ocitnete v pasci.<\/p>\n

\u010co je m\u00fdtus a \u010do je realita<\/p>\n

Medzi naj\u010dastej\u0161ie chyby slovensk\u00fdch poistiek je nes\u00falad medzi t\u00fdm, \u010doho sa boj\u00edme, a t\u00fdm, \u010do n\u00e1s re\u00e1lne ohrozuje. Mnoho \u013eud\u00ed si pripl\u00e1ca najm\u00e4 za \u00farazov\u00e9 krytie, preto\u017ee sa boja, \u017ee ich o \u017eivobytie priprav\u00ed ne\u010dakan\u00e1 nehoda. \u0160tatistiky v\u0161ak hovoria trochu inak. A\u017e 97 percent v\u0161etk\u00fdch pr\u00edpadov invalidity na Slovensku maj\u00fa na svedom\u00ed choroby, zatia\u013e \u010do \u00farazy tvoria iba zhruba tri percent\u00e1 pr\u00edpadov.<\/p>\n

Ak utrp\u00edte be\u017en\u00fd \u00faraz bez trval\u00fdch n\u00e1sledkov, lie\u010dba a v\u00fdpadok pr\u00edjmu trvaj\u00fa spravidla nieko\u013eko t\u00fd\u017ed\u0148ov. Naopak, onkologick\u00e9 ochorenie, srdcov\u00fd infarkt alebo cievna mozgov\u00e1 pr\u00edhoda v\u00e1s m\u00f4\u017eu vyradi\u0165 z pr\u00e1ce na cel\u00e9 mesiace \u010di dokonca roky. Niekedy dokonca ved\u00fa k trvalej invalidite. Navy\u0161e si vy\u017eaduj\u00fa drah\u00fa lie\u010dbu, pri\u010dom \u00farazov\u00e1 poistka v\u00e1m v takomto pr\u00edpade nevyplat\u00ed v\u00f4bec ni\u010d. Pr\u00e1ve civiliza\u010dn\u00e9 a chronick\u00e9 ochorenia predstavuj\u00fa najv\u00e4\u010d\u0161iu hrozbu, pokia\u013e ide o peniaze, no v zmluv\u00e1ch s\u00fa \u010dasto podcenen\u00e9.<\/p>\n

Pozor na index\u00e1ciu<\/p>\n

Jedn\u00fdm z d\u00f4vodov, pre\u010do sa v poistk\u00e1ch nevyzn\u00e1me, je pr\u00edli\u0161 odborn\u00e1 terminol\u00f3gia. Typick\u00fdm pr\u00edkladom je pojem index\u00e1cia, ktor\u00e9mu presne rozumie iba 20 percent op\u00fdtan\u00fdch. Ide pritom o mimoriadne d\u00f4le\u017eit\u00fa funkciu, ktor\u00e1 automaticky navy\u0161uje poistn\u00e9 sumy tak, aby va\u0161e poistenie vplyvom infl\u00e1cie nestr\u00e1calo re\u00e1lnu k\u00fapnu silu. A\u017e 46 percent Slov\u00e1kov pritom v\u00f4bec netu\u0161\u00ed, \u010di je tento ochrann\u00fd prvok s\u00fa\u010das\u0165ou ich zmluvy.<\/p>\n

\"\u017eivotn\u00e9<\/p>\n

\t\tIlustr. obr. | Zdroj: Depositphotos<\/a><\/p>\n

Ve\u013emi d\u00f4le\u017eit\u00fa \u00falohu potom zohr\u00e1va aj sp\u00f4sob, ak\u00fdm si produkty vyber\u00e1me. Vzh\u013eadom na to, \u017ee tieto finan\u010dn\u00e9 produkty b\u00fdvaj\u00fa zlo\u017eit\u00e9 a m\u00e1lokto sa v nich dok\u00e1\u017ee riadne vyzna\u0165, sa len tretina \u013eud\u00ed rozhoduje samostatne. V\u00e4\u010d\u0161ina vyu\u017e\u00edva asistenciu finan\u010dn\u00fdch sprostredkovate\u013eov. A\u017e 18 percent respondentov ver\u00ed svojmu poradcovi nato\u013eko, \u017ee si podmienky a ponuky in\u00fdch pois\u0165ovn\u00ed ani neporovnaj\u00fa. Jednoducho veria tomu, \u010do im povie expert.\u00a0<\/p>\n

Z h\u013eadiska typu produktov u n\u00e1s ved\u00fa zmluvy, ktor\u00e9 kombinuj\u00fa poistenie s investovan\u00edm \u010di sporen\u00edm (38 percent), zatia\u013e \u010do \u010disto rizikov\u00e9 a \u00farazov\u00e9 krytie m\u00e1 zhodne okolo 31 percent \u013eud\u00ed.<\/p>\n

Snaha u\u0161etri\u0165 drobn\u00e9 sa m\u00f4\u017ee vypomsti\u0165<\/p>\n

\u010co asi ve\u013emi neprekvap\u00ed, je skuto\u010dnos\u0165, \u017ee pri v\u00fdbere \u017eivotn\u00e9ho poistenia sa a\u017e tretina Slov\u00e1kov pozer\u00e1 v prvom rade na cenu. Priemern\u00e1 mesa\u010dn\u00e1 suma, ktor\u00fa pova\u017eujeme za primeran\u00fa, je 32 eur, pri\u010dom 15 percent \u013eud\u00ed za poistku nechce da\u0165 viac ne\u017e 15 a\u017e 20 eur. Pr\u00e1ve n\u00edzko nastaven\u00fd rozpo\u010det v\u0161ak m\u00f4\u017ee by\u0165 probl\u00e9m. Vedie toti\u017e k n\u00edzkym poistn\u00fdm limitom a cite\u013ene osekan\u00e9mu rozsahu krytia, \u010do sa prejav\u00ed hne\u010f pri prvej v\u00e1\u017enej udalosti.<\/p>\n

Zauj\u00edmav\u00e9 je, \u017ee so svojimi zmluvami je spokojn\u00fdch a\u017e 72 percent respondentov. Pri klientoch NN \u017divotnej pois\u0165ovne to je dokonca a\u017e 79 percent. Tieto vysok\u00e9 \u010d\u00edsla v\u0161ak ovplyv\u0148uje fakt, \u017ee re\u00e1lnu sk\u00fasenos\u0165 s poistnou udalos\u0165ou a plnen\u00edm m\u00e1 len necel\u00e1 tretina z nich.<\/p>\n

Zmluvu si viete kedyko\u013evek upravi\u0165<\/p>\n

Z predo\u0161l\u00fdch odsekov teda celkom jasne vypl\u00fdva, \u017ee \u017eivotn\u00e9 poistenie by nemalo by\u0165 impulz\u00edvnym n\u00e1kupom, ale premyslenou s\u00fa\u010das\u0165ou dlhodob\u00e9ho pl\u00e1novania. \u017divotn\u00e1 situ\u00e1cia \u010dloveka sa v \u010dase prirodzene men\u00ed. Rozhodne teda z\u00e1le\u017e\u00ed aj na veku. Mlad\u00fd slobodn\u00fd \u010dlovek potrebuje \u00faplne in\u00e9 nastavenie krytia ako rodi\u010d so z\u00e1v\u00e4zkami alebo \u010dlovek v predd\u00f4chodkovom veku.<\/p>\n

Dobrou spr\u00e1vou je, \u017ee zmluva o \u017eivotnom poisten\u00ed nie je statick\u00fd dokument na cel\u00fd \u017eivot. Odborn\u00edci odpor\u00fa\u010daj\u00fa \u010das od \u010dasu si prejs\u0165 poistku spolu so \u0161pecialistom, preveri\u0165 v\u00fd\u0161ku krytia z\u00e1va\u017en\u00fdch chor\u00f4b a upravi\u0165 parametre tak, aby zodpovedali va\u0161im aktu\u00e1lnym potreb\u00e1m. Samozrejme, d\u00f4le\u017eit\u00e9 je tak spravi\u0165 sk\u00f4r, ne\u017e d\u00f4jde k ne\u010dakanej udalosti.<\/p>\n","protected":false},"excerpt":{"rendered":"Mnoh\u00ed z n\u00e1s ka\u017ed\u00fd mesiac posielaj\u00fa do pois\u0165ovn\u00ed nemal\u00e9 \u010diastky s pocitom, \u017ee m\u00e1me kryt\u00fd chrb\u00e1t a na\u0161a…\n","protected":false},"author":2,"featured_media":158131,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[11],"tags":[64,65,66,46394,1553,46395,11876,43,40,39,42,41,46396,27745,2161],"class_list":["post-158130","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomika","tag-business","tag-economic","tag-ekonomika","tag-krytie","tag-poistenie","tag-poistne-plnenie","tag-poistovna","tag-sk","tag-slovak","tag-slovakia","tag-slovencina","tag-slovensko","tag-zivotna-udalost","tag-zivotne-poistenie","tag-zmluva"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/117137965381379191","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/158130","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=158130"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/158130\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/158131"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=158130"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=158130"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=158130"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}