{"id":22,"date":"2025-02-10T08:00:59","date_gmt":"2025-02-10T08:00:59","guid":{"rendered":"https:\/\/budisiguran.com.hr\/?p=22"},"modified":"2026-09-21T08:32:22","modified_gmt":"2026-09-21T06:32:22","slug":"osiguranje-zivota-sa-stednjom","status":"publish","type":"post","link":"https:\/\/budisiguran.com.hr\/index.php\/2025\/02\/10\/osiguranje-zivota-sa-stednjom\/","title":{"rendered":"Koliko ko\u0161ta osiguranje \u017eivota?"},"content":{"rendered":"<h2 style=\"text-align: center;\">Koliko ko\u0161ta osiguranje \u017eivota ?<\/h2>\r\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25 \" src=\"https:\/\/budisiguran.com.hr\/wp-content\/uploads\/2025\/06\/1170-x-702-osiguranje-zivota-.jpg\" alt=\"\" width=\"613\" height=\"368\" srcset=\"https:\/\/budisiguran.com.hr\/wp-content\/uploads\/2025\/06\/1170-x-702-osiguranje-zivota-.jpg 1170w, https:\/\/budisiguran.com.hr\/wp-content\/uploads\/2025\/06\/1170-x-702-osiguranje-zivota--300x180.jpg 300w, https:\/\/budisiguran.com.hr\/wp-content\/uploads\/2025\/06\/1170-x-702-osiguranje-zivota--1024x614.jpg 1024w, https:\/\/budisiguran.com.hr\/wp-content\/uploads\/2025\/06\/1170-x-702-osiguranje-zivota--768x461.jpg 768w, https:\/\/budisiguran.com.hr\/wp-content\/uploads\/2025\/06\/1170-x-702-osiguranje-zivota--700x420.jpg 700w\" sizes=\"auto, (max-width: 613px) 100vw, 613px\" \/><\/p>\r\n<p style=\"text-align: left;\">Prva misao koja se name\u0107e na ovakvo pitanje bi bila onaj klasi\u010dni trgova\u010dko-marketin\u0161ki odgovor: \u201eOnoliko koliko je netko za njega spreman platiti\u201c. To je uistinu i jedini to\u010dan odgovor jer jedino \u0161to na ovom svijetu nema cijenu je ljudski \u017eivot. Bit \u0107u precizniji, postoje minimalne premije definirane cjenikom svake osiguravaju\u0107e ku\u0107e, to je u ve\u0107ini slu\u010dajeva oko 180 eura godi\u0161nje, nekih 15 eura mjese\u010dno. Gornji limit osigurane svote naj\u010de\u0161\u0107e nije definiran, ovisi o odluci slu\u017ebe za prihvat rizika prema pojedinom upitu. Recimo samo kao napomenu da kod ve\u0107ine osiguravaju\u0107ih ku\u0107a mo\u017eete ugovoriti bez problema do 50.000 eura ugovorene svote. Sve vi\u0161e ide na dodatne provjere, mini lije\u010dniki pregled itd.<\/p>\r\n<!-- \/wp:post-content -->\r\n\r\n<!-- wp:paragraph -->\r\n<p style=\"text-align: left;\">Premija ovisi o visini pokri\u0107a, trajanju ugovora, dobi osiguranika i eventualnim popustima ili doplatcima. Va\u017ean je i na\u010din pla\u0107anja. Godi\u0161nje pla\u0107anje premije je najpovoljnije, pritom se mo\u017ee u\u0161tedjeti do 5 % , zatim pla\u0107anje na rate kreditnim karticama, trajnim nalogom preko teku\u0107eg ra\u010duna, dok bi mjese\u010dno pla\u0107anje uplatnicama trebalo biti zadnji izbor (napomena:\u00a0 do kraja teksta \u0107e biti rije\u010d isklju\u010divo o mje\u0161ovitom osiguranju \u017eivota sa vi\u0161ekratnim pla\u0107anjem i \u00a0\u0161tednom komponentom, tzv. klasi\u010dno \u017eivotno osiguranje.<\/p>\r\n<p>Sa promjenama na tr\u017ei\u0161tu financija svake godine dolazi do korekcija cjenika, uvjeta i osiguranih svota na proizvodima osiguranja \u017eivota. Tako da svatko koga zanima ovaj proizvod treba odvojiti odre\u0111eno vrijeme i prou\u010diti \u0161to sve postoji i \u0161to je idealno za njegove potrebe.\u00a0<\/p>\r\n<p>Od klasi\u010dnih proizvoda uvijek postoji mje\u0161tovito sa osiguranjem \u017eivota i do\u017eivljenjem. Na njega se dodaje osiguranje od nezgode i te\u0161kih bolesti. Postoje i paketi sa spajanjem na investicijske fondove, gdje osigurana svota ovisi o stanju fonda na odre\u0111eni dan.\u00a0<\/p>\r\n<p>Za vi\u0161e informacija i izra\u010dun po\u0161aljite <a href=\"bhttps:\/\/budisiguran.com.hr\/index.php\/kontakt\/\">upit<\/a>.<\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Koliko ko\u0161ta osiguranje \u017eivota ? Prva misao koja se name\u0107e na ovakvo pitanje bi bila onaj klasi\u010dni trgova\u010dko-marketin\u0161ki odgovor: \u201eOnoliko koliko je netko za njega spreman platiti\u201c. To je uistinu i jedini to\u010dan odgovor jer&#8230;<\/p>\n","protected":false},"author":1,"featured_media":25,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[6],"class_list":["post-22","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-osiguranje-zivota","tag-osiguranje-zivota"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Koliko ko\u0161ta osiguranje \u017eivota? -<\/title>\n<meta name=\"description\" content=\"osiguranje \u017eivota\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/budisiguran.com.hr\/index.php\/2025\/02\/10\/osiguranje-zivota-sa-stednjom\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Koliko ko\u0161ta osiguranje \u017eivota? 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