{"id":5291,"date":"2023-11-02T16:36:56","date_gmt":"2023-11-02T15:36:56","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5291"},"modified":"2026-06-24T10:41:28","modified_gmt":"2026-06-24T08:41:28","slug":"obmyslena-osoba-kdo-to-je-a-jak-s-ni-souvisi-dedictvi","status":"publish","type":"post","link":"https:\/\/mutumutu.cz\/blog\/obmyslena-osoba-kdo-to-je-a-jak-s-ni-souvisi-dedictvi\/","title":{"rendered":"Obmy\u0161len\u00e1 osoba \u2013 kdo to je a jak s n\u00ed souvis\u00ed d\u011bdictv\u00ed?"},"content":{"rendered":"\n<p><strong>Kdy\u017e si sjedn\u00e1v\u00e1te \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, d\u011bl\u00e1te to hlavn\u011b proto, aby o va\u0161i rodinu bylo v nejt\u011b\u017e\u0161\u00ed chv\u00edli postar\u00e1no. Jen\u017ee to nesta\u010d\u00ed. Aby pen\u00edze dorazily p\u0159esn\u011b tam, kam maj\u00ed, a hlavn\u011b v\u010das, mus\u00edte na \u201ez\u00e1silku\u201c napsat jm\u00e9no. V \u0159e\u010di paragraf\u016f se tomuto adres\u00e1tovi \u0159\u00edk\u00e1 obmy\u0161len\u00e1 osoba.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kdo je obmy\u0161len\u00e1 osoba<\/h2>\n\n\n\n<p>Nej\u010dast\u011bj\u0161\u00edm d\u016fvodem, pro\u010d si n\u011bkdo sjedn\u00e1v\u00e1 <a href=\"https:\/\/mutumutu.cz\/co-pojistujeme\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>, je snaha <strong>zajistit sv\u00fdm bl\u00edzk\u00fdm \u017eivotn\u00ed standard<\/strong>, na kter\u00fd jsou zvykl\u00ed, i po jeho p\u0159\u00edpadn\u00e9 smrti. P\u0159esn\u011b pro tento \u00fa\u010del slou\u017e\u00ed v pojistn\u00e9 smlouv\u011b takzvan\u00e1 obmy\u0161len\u00e1 osoba. Tedy <strong>osoba, kter\u00e9 budou vyplaceny pen\u00edze<\/strong> v p\u0159\u00edpad\u011b, \u017ee poji\u0161t\u011bn\u00fd zem\u0159e.&nbsp;<\/p>\n\n\n\n<p>I kdy\u017e to slovo zn\u00ed trochu zastarale, jde o <strong>ofici\u00e1ln\u00ed pr\u00e1vn\u00ed term\u00edn<\/strong>, kter\u00fd najdete p\u0159\u00edmo v \u010desk\u00e9m ob\u010dansk\u00e9m z\u00e1kon\u00edku (z\u00e1kon \u010d. 89\/2012 Sb.). V pojistn\u00fdch smlouv\u00e1ch nebo v b\u011b\u017en\u00e9 \u0159e\u010di finan\u010dn\u00edch poradc\u016f pak <strong>usly\u0161\u00edte i jin\u00e9 v\u00fdrazy<\/strong> \u2013 nap\u0159\u00edklad \u201eobmy\u0161len\u00fd\u201c, \u201eopr\u00e1vn\u011bn\u00e1 osoba\u201c nebo \u201ev\u00e1mi ur\u010den\u00e1 osoba\u201c. V\u0161echny tyto pojmy v\u0161ak ozna\u010duj\u00ed jedno a tot\u00e9\u017e.<\/p>\n\n\n\n<p>Obmy\u0161lenou osobou dle z\u00e1kona m\u016f\u017ee b\u00fdt:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fyzick\u00e1 osoba (\u010dlov\u011bk)<\/strong>: Nemus\u00ed j\u00edt v\u00fdhradn\u011b o rodinn\u00e9 p\u0159\u00edslu\u0161n\u00edky, jako je man\u017eel, man\u017eelka nebo d\u011bti. M\u016f\u017ee to b\u00fdt partner, se kter\u00fdm \u017eijete na ps\u00ed kn\u00ed\u017eku, vzd\u00e1len\u00fd p\u0159\u00edbuzn\u00fd, kamar\u00e1d nebo klidn\u011b obchodn\u00ed partner, se kter\u00fdm v\u00e1s poj\u00ed spole\u010dn\u00e9 podnik\u00e1n\u00ed a \u00fav\u011bry.<\/li>\n\n\n\n<li><strong>Pr\u00e1vnick\u00e1 osoba (firma \u010di organizace)<\/strong>: Pen\u00edze m\u016f\u017eete odk\u00e1zat konkr\u00e9tn\u00ed firm\u011b, nadaci, charitativn\u00ed organizaci nebo t\u0159eba \u00fatulku pro zv\u00ed\u0159ata.<\/li>\n<\/ul>\n\n\n\n<p>Z pr\u00e1vn\u00edho hlediska je obmy\u0161len\u00e1 osoba v podstat\u011b <strong>pasivn\u00edm \u00fa\u010dastn\u00edkem vztahu<\/strong>: z existence poji\u0161t\u011bn\u00ed pro ni nevypl\u00fdvaj\u00ed \u017e\u00e1dn\u00e9 povinnosti, vznik\u00e1 j\u00ed \u010dist\u011b jen budouc\u00ed potenci\u00e1ln\u00ed pr\u00e1vo na finan\u010dn\u00ed pln\u011bn\u00ed. Nemus\u00ed o tom, \u017ee je ve smlouv\u011b uvedena, dokonce ani v\u011bd\u011bt. Pro\u010d je ale lep\u0161\u00ed, aby to v\u011bd\u011bla, se dozv\u00edte v kapitole 4 nej\u010dast\u011bj\u0161\u00ed chyby p\u0159i ur\u010dov\u00e1n\u00ed obmy\u0161len\u00e9 osoby.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pro\u010d m\u00edt obmy\u0161lenou osobu aneb \u017eivotn\u00ed poji\u0161t\u011bn\u00ed vs. d\u011bdick\u00e9 \u0159\u00edzen\u00ed<\/h2>\n\n\n\n<p>Mo\u017en\u00e1 si \u0159\u00edk\u00e1te, \u017ee pen\u00edze z poji\u0161t\u011bn\u00ed stejn\u011b dostanou va\u0161i bl\u00edzc\u00ed v r\u00e1mci d\u011bdick\u00e9ho \u0159\u00edzen\u00ed, tak pro\u010d je v dohod\u011b specifikovat\u2026 Pro vyplacen\u00ed pen\u011bz v p\u0159\u00edpad\u011b, kdy nen\u00ed v poji\u0161t\u011bn\u00ed uvedena obmy\u0161len\u00e1 osoba, <strong>stanovuje z\u00e1kon p\u0159esn\u00fd postup.<\/strong> V\u00edce se o tom do\u010dtete v kapitole Co se stane v p\u0159\u00edpad\u011b \u017eivotn\u00edho poji\u0161t\u011bn\u00ed bez obmy\u0161len\u00e9 osoby. Ka\u017edop\u00e1dn\u011b v\u00e1m rovnou \u0159ekneme, \u017ee <strong>pen\u00edze ve fin\u00e1le v\u016fbec nemusej\u00ed dostat ti, kter\u00fdm by nejv\u00edce pomohly<\/strong>. Kdyby va\u0161i bl\u00edzc\u00ed \u010dekali na jin\u00e9 prost\u0159edky z poz\u016fstalosti, m\u016f\u017ee to <strong>trvat p\u00e1r m\u011bs\u00edc\u016f, n\u011bkdy i rok<\/strong>. Po celou tu dobu bude majetek v poz\u016fstalosti (v\u010detn\u011b bankovn\u00edch \u00fa\u010dt\u016f) zablokovan\u00fd. Rodina se tak m\u016f\u017ee ocitnout v situaci, kdy m\u00e1 sice na dal\u0161\u00ed pen\u00edze n\u00e1rok, ale <strong>fakticky k nim nem\u00e1 p\u0159\u00edstup<\/strong>. A \u00fa\u010dty se kup\u00ed\u2026<\/p>\n\n\n\n<p>Ur\u010den\u00ed obmy\u0161len\u00e9 osoby tedy <strong>rozhodn\u011b nen\u00ed zbyte\u010dnost<\/strong>. \u017divotn\u00ed poji\u0161t\u011bn\u00ed si p\u0159ece <a href=\"https:\/\/mutumutu.cz\/blog\/2023\/08\/17\/proc-mit-zivotni-pojisteni-kdy-se-pojistit\/\">sjedn\u00e1v\u00e1te proto, abyste sv\u00fdm bl\u00edzk\u00fdm pomohli<\/a> v situaci, kdy jim ze \u017eivota vypadne v\u00e1\u0161 p\u0159\u00edjem. <strong>Pen\u00edze se mohou hodit<\/strong> tak\u00e9 k tomu, abyste rodinu nep\u0159ipravili o \u00faspory, a\u017e budou \u0159e\u0161it z\u00e1le\u017eitosti spojen\u00e9 s <a href=\"https:\/\/mutumutu.cz\/pojisteni-smrti\">va\u0161\u00ed smrt\u00ed<\/a>. Bez ur\u010den\u00ed obmy\u0161len\u00e9 osoby v\u0161echny n\u00e1klady na pr\u00e1vn\u00ed \u00fakony, b\u011b\u017en\u00fd \u017eivot a poh\u0159eb p\u016fjdou za va\u0161imi bl\u00edzk\u00fdmi. Takov\u00fd \u201eposledn\u00ed d\u00e1rek\u201c pro n\u011b<strong> m\u016f\u017ee b\u00fdt hodn\u011b n\u00e1ro\u010dn\u00fd<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-text-align-center\"><em>Stejn\u011b n\u00e1ro\u010dn\u00fd \u201eposledn\u00ed d\u00e1rek\u201c va\u0161i rodinu \u010dek\u00e1, pokud \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v\u016fbec nem\u00e1te. Jestli chcete nejd\u0159\u00edv v\u011bd\u011bt, kolik v\u00e1s takov\u00e9 poji\u0161t\u011bn\u00ed bude st\u00e1t, m\u016f\u017eete si to b\u011bhem 2 minut spo\u010d\u00edtat v na\u0161\u00ed online kalkula\u010dce.<\/em><\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/mutumutu.cz\/kalkulacka\/uvod\/uvod\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/mutumutu.cz\/kalkulacka\/uvod\/uvod'>Spo\u010d\u00edtat poji\u0161t\u011bn\u00ed<\/a><\/div><\/a><em>&nbsp;<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Jak ur\u010dit obmy\u0161lenou osobu a \u010d\u00e1stku, kterou dostane<\/h2>\n\n\n\n<p>Obmy\u0161lenou osobou <strong>m\u016f\u017ee b\u00fdt v podstat\u011b kdokoliv<\/strong>, koho chcete po sv\u00e9 smrti zaopat\u0159it. Nemus\u00ed to b\u00fdt v\u00e1\u0161 man\u017eel ani partner, dokonce ani p\u0159\u00edbuzn\u00fd. Klidn\u011b m\u016f\u017eete jako obmy\u0161lenou osobu uv\u00e9st souseda, obchodn\u00edho partnera nebo t\u0159eba \u00fatulek pro zv\u00ed\u0159ata. Obmy\u0161len\u00fdm ur\u010den\u00fdm pojistn\u00edkem v\u0161ak <strong>nej\u010dast\u011bji b\u00fdv\u00e1<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Man\u017eel\/ka nebo \u017eivotn\u00ed partner\/ka<\/strong>, kte\u0159\u00ed jsou nejv\u00edce z\u00e1visl\u00ed na va\u0161em p\u0159\u00edjmu<\/li>\n\n\n\n<li><strong>D\u011bti<\/strong>, kter\u00fdm chcete dop\u0159\u00e1t kvalitn\u00ed vzd\u011bl\u00e1n\u00ed a snaz\u0161\u00ed \u017eivot<\/li>\n\n\n\n<li><strong>Rodi\u010de a sourozenci<\/strong>, na kter\u00e9 mysl\u00ed p\u0159edev\u0161\u00edm mlad\u00ed a nezadan\u00ed<\/li>\n<\/ul>\n\n\n\n<p>V praxi v\u0161ak nar\u00e1\u017e\u00edme i na tyto obmy\u0161len\u00e9 osoby:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>P\u0159\u00e1tel\u00e9 <\/strong>\u2013 \u010dasto je uv\u00e1d\u011bj\u00ed lid\u00e9 bez bl\u00edzk\u00e9 rodiny<\/li>\n\n\n\n<li><strong>Obchodn\u00ed partne\u0159i<\/strong> \u2013 ty v\u011bt\u0161inou uvedou lid\u00e9, kte\u0159\u00ed vybudovali n\u011bjak\u00fd byznys a z\u00e1le\u017e\u00ed jim na jeho \u00fasp\u011b\u0161n\u00e9m pokra\u010dov\u00e1n\u00ed<\/li>\n\n\n\n<li><strong>Charitativn\u00ed organizace<\/strong> \u2013 s t\u00edm se setk\u00e1v\u00e1me u pojistn\u00edk\u016f, kte\u0159\u00ed nemaj\u00ed nikoho, kdo je na nich z\u00e1visl\u00fd, a r\u00e1di podpo\u0159\u00ed dobrou v\u011bc<\/li>\n<\/ul>\n\n\n\n<p>Jak\u00fdm zp\u016fsobem m\u016f\u017ee pojistn\u00edk ur\u010dit, kdo je obmy\u0161len\u00fdm? Nen\u00ed to \u017e\u00e1dn\u00e1 ruleta ani losov\u00e1n\u00ed z klobouku. Pojistn\u00e9 pln\u011bn\u00ed by m\u011blo j\u00edt tomu, <strong>koho se ztr\u00e1ta va\u0161eho p\u0159\u00edjmu nejv\u00edce dotkne<\/strong>.<\/p>\n\n\n\n<p>Obmy\u0161len\u00fdch osob m\u016f\u017eete ur\u010dit i v\u00edce. Je mo\u017en\u00e9 stanovit tak\u00e9 <strong>pod\u00edl, jak\u00fdm m\u00e1 b\u00fdt mezi n\u011b \u010d\u00e1stka rozd\u011blena<\/strong>. V pojistn\u00e9 smlouv\u011b ka\u017ed\u00e9mu ur\u010d\u00edte jeho n\u00e1rok v procentech. A nemus\u00edte je d\u011blit rovn\u00fdm d\u00edlem, ka\u017ed\u00e9 obmy\u0161len\u00e9 osob\u011b m\u016f\u017eete ur\u010dit jin\u00e9 procento. Ka\u017edop\u00e1dn\u011b sou\u010det za v\u0161echny obmy\u0161len\u00e9 osoby mus\u00ed b\u00fdt v\u017edy 100 procent. Pokud procentn\u00ed pod\u00edl nestanov\u00edte, pln\u011bn\u00ed se mezi v\u0161echny obmy\u0161len\u00e9 osoby rozd\u011bl\u00ed rovn\u00fdm d\u00edlem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Zm\u011bna obmy\u0161len\u00e9 osoby v poji\u0161t\u011bn\u00ed: jak na to<\/h2>\n\n\n\n<p>Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 trochu jin\u00e9 podm\u00ednky, ale standardn\u011b pro proveden\u00ed zm\u011bny obmy\u0161len\u00e9 osoby m\u00e1te<strong> dv\u011b mo\u017enosti<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>online prost\u0159ednictv\u00edm klientsk\u00e9ho port\u00e1lu poji\u0161\u0165ovny<\/li>\n\n\n\n<li>p\u00edsemn\u00fdm formul\u00e1\u0159em zaslan\u00fdm po\u0161tou<\/li>\n<\/ul>\n\n\n\n<p>V druh\u00e9m p\u0159\u00edpad\u011b v\u0161ak <strong>m\u016f\u017ee b\u00fdt nutn\u00fd \u00fa\u0159edn\u011b ov\u011b\u0159en\u00fd podpis<\/strong>.<\/p>\n\n\n\n<p><strong>Zam\u00fd\u0161let se nad zm\u011bnou<\/strong> obmy\u0161len\u00e9ho byste m\u011bli zejm\u00e9na v t\u011bchto \u017eivotn\u00edch situac\u00edch:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mutumutu.cz\/blog\/2025\/06\/06\/zivotni-pojisteni-pro-novomanzele\/\">svatba<\/a><\/li>\n\n\n\n<li>rozvod \u010di rozchod<\/li>\n\n\n\n<li><a href=\"https:\/\/mutumutu.cz\/blog\/2024\/07\/18\/diky-tati-aneb-jak-zivotni-pojisteni-otce-zmenilo-zivot-synovi\/\">narozen\u00ed d\u00edt\u011bte<\/a><\/li>\n\n\n\n<li>zm\u011bna vztahu s obmy\u0161lenou osobou (pokud se p\u0159estanete zcela st\u00fdkat a nen\u00ed \u0161ance na n\u00e1pravu vztahu \u2013 a\u0165 u\u017e jde o p\u0159\u00e1tele, nebo t\u0159eba sourozence)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">4 nej\u010dast\u011bj\u0161\u00ed chyby p\u0159i ur\u010dov\u00e1n\u00ed obmy\u0161len\u00e9 osoby<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Neaktu\u00e1ln\u00ed obmy\u0161len\u00e9 osoby<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Kdy\u017e si sv\u00e9 <a href=\"https:\/\/mutumutu.cz\/blog\/2024\/01\/17\/jak-se-mutumutu-stalo-mym-prvnim-zivotnim-pojistenim\/\">prvn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> z\u0159\u00edd\u00edte v 18 letech, jako obmy\u0161len\u00e9 osoby zpravidla zvol\u00edte rodi\u010de \u010di sourozence. Ale <strong>po 20 letech<\/strong>, kdy u\u017e m\u00e1te t\u0159eba man\u017eela \u010di man\u017eelku a d\u011bti, takov\u00e1 volba ji\u017e <strong>nemus\u00ed b\u00fdt aktu\u00e1ln\u00ed<\/strong>. Kdyby se v\u00e1m n\u011bco stalo, ti nejd\u016fle\u017eit\u011bj\u0161\u00ed, kte\u0159\u00ed jsou na va\u0161em p\u0159\u00edjmu z\u00e1visl\u00ed, by ostrouhali. <strong>Nezapom\u00ednejte proto pravideln\u011b aktualizovat<\/strong> \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a obmy\u0161lenou osobu. V\u00edce o tom najdete v kapitole Zm\u011bna obmy\u0161len\u00e9 osoby v poji\u0161t\u011bn\u00ed: jak na to.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Nedostate\u010dn\u011b konkr\u00e9tn\u00ed<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Obmy\u0161lenou osobu <strong>m\u016f\u017eete ur\u010dit i vztahem k v\u00e1m<\/strong>. Nap\u0159\u00edklad uvedete, \u017ee obmy\u0161lenou osobou je \u201eman\u017eelka\u201c. Nebo \u201edcera\u201c. Tady se ale op\u011bt dost\u00e1v\u00e1me k d\u016fle\u017eitosti aktualizovat obmy\u0161len\u00e9 osoby. <strong>P\u0159edstavte si tuto situaci<\/strong>: Pan\u00ed Nov\u00e1kov\u00e1 si sjednala poji\u0161t\u011bn\u00ed v dob\u011b, kdy m\u011bla jen jednu dceru. Pak se j\u00ed narodila druh\u00e1, ale obmy\u0161lenou osobu neaktualizovala (z \u201edcera\u201c na \u201edcery\u201c). Podle ob\u010dansk\u00e9ho z\u00e1kon\u00edku mus\u00ed b\u00fdt obmy\u0161len\u00e1 osoba<strong> ur\u010den\u00e1 tak, aby byla jednozna\u010dn\u011b identifikovateln\u00e1<\/strong>. V moment\u011b, kdy existuj\u00ed dv\u011b dcery, je ozna\u010den\u00ed \u201edcera\u201c neur\u010dit\u00e9 a nelze objektivn\u011b zjistit, kterou z nich m\u011bla pan\u00ed Nov\u00e1kov\u00e1 na mysli. Poji\u0161\u0165ovna proto k tomuto ur\u010den\u00ed p\u0159istoupila tak, <strong>jako by obmy\u0161lenou osobu pan\u00ed Nov\u00e1kov\u00e1 v\u016fbec neur\u010dila<\/strong>. Jak se v takov\u00e9m p\u0159\u00edpad\u011b postupuje, se dozv\u00edte v kapitole Co se stane v p\u0159\u00edpad\u011b \u017eivotn\u00edho poji\u0161t\u011bn\u00ed bez obmy\u0161len\u00e9 osoby.<\/p>\n\n\n\n<p>Pozor tak\u00e9 na vztahy \u201ena ps\u00ed kn\u00ed\u017eku\u201c. Kdy\u017e v pojistn\u00e9 smlouv\u011b uvedete jako obmy\u0161lenou osobu dru\u017eku, <strong>bude muset dok\u00e1zat, \u017ee je skute\u010dn\u011b va\u0161e p\u0159\u00edtelkyn\u011b<\/strong>. A pokud nebydl\u00ed na stejn\u00e9 adrese a neplat\u00ed spole\u010dn\u00e9 \u00fa\u010dty, probl\u00e9m je na sv\u011bt\u011b.&nbsp;<\/p>\n\n\n\n<p>Kdy\u017e stanovujete obmy\u0161lenou osobu, chcete, aby pen\u00edze dostala co nejd\u0159\u00edv. Ujist\u011bte se proto, \u017ee jste poji\u0161\u0165ovn\u011b <strong>poskytli dostate\u010dn\u00e9 a aktu\u00e1ln\u00ed kontaktn\u00ed \u00fadaje<\/strong>, aby se s osobou mohla poji\u0161\u0165ovna co nejd\u0159\u00edv spojit. Pokud jako obmy\u0161lenou osobu ur\u010d\u00edte nevl\u00e1dn\u00ed organizaci, \u00fatulek nebo obchodn\u00ed firmu, nezapome\u0148te uv\u00e9st jej\u00ed <strong>I\u010cO a p\u0159esn\u00fd n\u00e1zev<\/strong>.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Obmy\u0161len\u00e1 osoba je nezletil\u00e1<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Jestli je jako obmy\u0161len\u00e1 osoba uvedeno nezletil\u00e9 d\u00edt\u011b, pln\u011bn\u00ed bude <strong>vyplaceno <\/strong>ve spolupr\u00e1ci se <strong>z\u00e1konn\u00fdm z\u00e1stupcem<\/strong>. Pokud pl\u00e1nujete, \u017ee prvn\u00ed p\u016flku pen\u011bz d\u00edt\u011b dostane hned a druhou a\u017e v 18 letech, tak s t\u00edm v\u00e1m poji\u0161\u0165ovna nepom\u016f\u017ee.&nbsp;<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Obmy\u0161len\u00fd nev\u00ed, \u017ee je obmy\u0161len\u00fd<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Kdy\u017e u\u017e si d\u00e1te tu pr\u00e1ci, \u017ee se pojist\u00edte a zajist\u00edte tak sv\u00e9 bl\u00edzk\u00e9, <strong>nezapome\u0148te je o tom informovat<\/strong>. \u0158ekn\u011bte jim, u kter\u00e9 poji\u0161\u0165ovny a na jakou \u010d\u00e1stku jste poji\u0161t\u011bni. Uka\u017ete jim, kde najdou pojistnou smlouvu, nebo jim alespo\u0148 sd\u011blte \u010d\u00edslo pojistn\u00e9 smlouvy a jak a kdy mohou poji\u0161\u0165ovn\u011b ozn\u00e1mit pojistnou ud\u00e1lost.<\/p>\n\n\n\n<p>V p\u0159\u00edpad\u011b, \u017ee obmy\u0161len\u00e1 osoba o poji\u0161t\u011bn\u00ed nev\u00ed, se <strong>poji\u0161\u0165ovna o smrti sv\u00e9ho klienta dozv\u00ed od not\u00e1\u0159e<\/strong>, kter\u00fd vy\u0159izuje poz\u016fstalost, nebo z nahl\u00ed\u017een\u00ed do registru obyvatel. N\u00e1sledn\u011b kontaktuje obmy\u0161len\u00e9 osoby uveden\u00e9 v pojistn\u00e9 smlouv\u011b. Pokud je nelze kontaktovat nap\u0159\u00edmo (proto\u017ee je zem\u0159el\u00fd neuvedl dostate\u010dn\u011b konkr\u00e9tn\u011b), zji\u0161\u0165uje kontaktn\u00ed \u00fadaje p\u0159es not\u00e1\u0159e. Pln\u011bn\u00ed nakonec k bl\u00edzk\u00fdm doputuje, jen <strong>to bude trvat d\u00e9le ne\u017e v p\u0159\u00edpad\u011b<\/strong>, kdy pojistnou ud\u00e1lost (smrt) nahl\u00e1s\u00ed obmy\u0161len\u00fd ur\u010den\u00fd pojistn\u00edkem v pojistn\u00e9 smlouv\u011b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co se stane v p\u0159\u00edpad\u011b \u017eivotn\u00edho poji\u0161t\u011bn\u00ed bez obmy\u0161len\u00e9 osoby<\/h2>\n\n\n\n<p>Obmy\u0161lenou osobu m\u016f\u017eete, ale tak\u00e9 nemus\u00edte ur\u010dit. Pokud zvol\u00edte druhou cestu, <strong>o v\u00fdplat\u011b pen\u011bz rozhoduje ob\u010dansk\u00fd z\u00e1kon\u00edk<\/strong>. Ten \u0159\u00edk\u00e1, \u017ee pln\u011bn\u00ed v tomto p\u0159\u00edpad\u011b n\u00e1le\u017e\u00ed man\u017eelovi \u010di man\u017eelce. Plat\u00ed to i pro registrovan\u00e9 partnery a partnerky. Kdy\u017e man\u017eela ani man\u017eelku nem\u00e1te, pen\u00edze dostanou d\u011bti. Nem\u00e1te-li ani d\u011bti, pln\u011bn\u00ed putuje va\u0161im rodi\u010d\u016fm. A pokud u\u017e rodi\u010de nejsou mezi \u017eiv\u00fdmi, p\u0159ich\u00e1z\u00ed na \u0159adu d\u011bdicov\u00e9.&nbsp;<\/p>\n\n\n\n<p><strong>Co p\u0159esn\u011b se m\u016f\u017ee st\u00e1t<\/strong>, si poj\u010fme zase uk\u00e1zat na p\u0159\u00edkladu ze \u017eivota. Pan Tom\u00e1\u0161 m\u011bl s man\u017eelkou Monikou dv\u011b d\u011bti. V ur\u010dit\u00e9 dob\u011b se dohodli, \u017ee u\u017e spolu necht\u011bj\u00ed \u017e\u00edt \u2013 Monika se odst\u011bhovala do jin\u00e9ho m\u011bsta za nov\u00fdm partnerem a d\u011bti z\u016fstaly u otce. Tom\u00e1\u0161 s Monikou se <strong>ofici\u00e1ln\u011b (pap\u00edrov\u011b) nerozvedli<\/strong>. Tom\u00e1\u0161 se o d\u011bti vzorn\u011b staral a pro p\u0159\u00edpad, \u017ee by se mu n\u011bco stalo, si platil \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Ve smlouv\u011b v\u0161ak <strong>nevyplnil obmy\u0161len\u00e9 osoby<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Kdy\u017e Tom\u00e1\u0161 ne\u010dekan\u011b zem\u0159el p\u0159i autonehod\u011b, musela se poji\u0161\u0165ovna striktn\u011b <strong>\u0159\u00eddit z\u00e1konnou posloupnost\u00ed<\/strong> a pen\u00edze vyplatila Monice. P\u0159esto\u017ee Tom\u00e1\u0161 s Monikou u\u017e t\u0159i roky ne\u017eil a ona se o d\u011bti nijak nestarala, <strong>pr\u00e1vn\u011b byla st\u00e1le jeho man\u017eelkou<\/strong>. Kdyby Tom\u00e1\u0161 do smlouvy napsal jako obmy\u0161len\u00e9 osoby sv\u00e9 d\u011bti, poji\u0161\u0165ovna by Moniku \u00fapln\u011b p\u0159esko\u010dila a pen\u00edze by okam\u017eit\u011b \u0161ly na jejich zaji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Myslete na sv\u00e9 bl\u00edzk\u00e9&nbsp;<\/h2>\n\n\n\n<p>Co je obmy\u0161len\u00e1 osoba a pro\u010d je d\u016fle\u017eit\u00e9 ji v pojistce uv\u00e9st, u\u017e v\u00edte. Ne\u017e se rozhodnete o tom, kdo bude va\u0161\u00ed obmy\u0161lenou osobou, zva\u017ete aktu\u00e1ln\u00ed i budouc\u00ed finan\u010dn\u00ed situaci. Sv\u00e9 rozhodnut\u00ed pravideln\u011b p\u0159ehodnocujte a aktualizujte v pojistn\u00e9 smlouv\u011b.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"has-text-align-center\"><em>\u017divotn\u00ed poji\u0161t\u011bn\u00ed s ur\u010den\u00edm obmy\u0161len\u00e9 osoby je zp\u016fsob, jak sv\u00fdm bl\u00edzk\u00fdm uk\u00e1zat, \u017ee v\u00e1m z\u00e1le\u017e\u00ed na jejich budoucnosti. Poji\u0161t\u011bn\u00ed Mutumutu si hrav\u011b zvl\u00e1dnete sjednat sami, online a za p\u00e1r minut. A hned vid\u00edte, na kolik v\u00e1s to vyjde a kolik mohou obmy\u0161len\u00e9 osoby dostat.<\/em><\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/mutumutu.cz\/kalkulacka\/uvod\/uvod\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/mutumutu.cz\/kalkulacka\/uvod\/uvod'>Sjednat poji\u0161t\u011bn\u00ed<\/a><\/div><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kdy\u017e si sjedn\u00e1v\u00e1te \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, d\u011bl\u00e1te to hlavn\u011b proto, aby o va\u0161i rodinu bylo v nejt\u011b\u017e\u0161\u00ed chv\u00edli postar\u00e1no. Jen\u017ee to nesta\u010d\u00ed. Aby pen\u00edze dorazily p\u0159esn\u011b tam, kam maj\u00ed, a hlavn\u011b v\u010das, mus\u00edte na \u201ez\u00e1silku\u201c napsat jm\u00e9no. V \u0159e\u010di paragraf\u016f se tomuto adres\u00e1tovi \u0159\u00edk\u00e1 obmy\u0161len\u00e1 osoba. Kdo je obmy\u0161len\u00e1 osoba Nej\u010dast\u011bj\u0161\u00edm d\u016fvodem, pro\u010d si n\u011bkdo sjedn\u00e1v\u00e1  &#8230;<\/p>\n","protected":false},"author":49,"featured_media":5292,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[475,216],"class_list":["post-5291","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-pojisteni-smrti","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts\/5291","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/comments?post=5291"}],"version-history":[{"count":13,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts\/5291\/revisions"}],"predecessor-version":[{"id":5651,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts\/5291\/revisions\/5651"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/media\/5292"}],"wp:attachment":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/media?parent=5291"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/categories?post=5291"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/tags?post=5291"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}