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[null,"Verziószám: 2014/5 (2014.12.31-ig)"]
[null,"A Kalkulátorban közölt valamennyi adat tájékoztató jellegű, kötelezettségvállalást nem jelent! \nAz alkalmazott hozamprognózisok csupán várható értékek, melyek nem tükrözik az egyes eszközalapok kockázatosságának eltérő mértékét. Különösen a részvényes eszközalapokra igaz, hogy a prognosztizált hozamokhoz képest jelentősen eltérhet a valós hozam, pozitív és negatív irányban egyaránt. A negatív teljesítménytől a HozamMonitor Szolgáltatások sem jelentenek minden esetben védelmet, illetve nem igaz minden körülmények között, hogy HozamMonitor Szolgáltatásokkal jobb teljesítmény érhető el, mint nélkülük! \nA Kalkulátor nem ellenőriz minden szabályt és megkötést a szerződés paramétereinek megadásánál, illetve nem vesz figyelembe minden szabályt a várható öregségi nyugdíj és béradatok meghatározásánál!"]

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[null,"Folyamatos díjak kalkulátora",null,null,null,null,null,null,null,"Aktuális","AMÖ","Vv összeg","Befizetett megtak","Befizetett admin"]
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[null,null,"Befektetendő összeg",{"$f":"+G19","v":0},null,null,null,null,null,11,0,0,0,0]
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[null,null,"Kezdeti költség",5.0000000000000001E-3,null,"Kezdeti egység vv tényező",0.995,null,null,13,0,0,0,0]
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[null,"T érték specifikus adatok",null,null,null,null,null,null,null,16,0,0,0,0]
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[null,null,"Hozamsor ",2,null,null,null,null,null,19,0,0,0,0]
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["Év","Hónap",null,"Admin. díjrész","Befektetett díj","Allokációs ktg.","Nyitó árfolyam","Záró árfolyam","Vásárolt kezdeti egységek","Vásárolt felhalm. egységek","Kezdeti egységek nyitó","Felhalm. egységek nyitó","K. egységek e.alap-kezelési ktg. után","F. egységek e.alap-kezelési ktg. után","Számított Hozam-Monitor ktg.","K. egységek HM ktg. után","F. egységek HM ktg. után","Számított kockázati ktg.","K. egységek kockázati ktg. után","F. egységek kockázati ktg. után (záró)","K. egységek kezdeti ktg. után (záró)","Összes esedékes költség: aktuális HM ktg. előtt","Összes f. egység fedezet HM ktg. előtt","Érvényesíthető ktg. HM ktg. előtt","Összes esedékes költség: aktuális kock. ktg. előtt","Összes f. egység fedezet kock. ktg. előtt","Érvényesíthető ktg. kock. ktg. előtt","Megmaradó elhatárolt ktg.","Egyéni számlaérték","VV összeg","Kumulált megtak díj","Kumulált admin"]
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[null,null,null,null,"Eszközalapot érintő tranzakciók",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Elhatárolások folyamatos díjas esetben",null,null,null,null,null,null,"Hónap végén"]
["Év","Hónap",null,"Admin. díjrész","Befektetett díj","Allokációs ktg.","Nyitó árfolyam","Záró árfolyam","Vásárolt kezdeti egységek","Vásárolt felhalm. egységek","Kezdeti egységek nyitó","Felhalm. egységek nyitó","K. egységek e.alap-kezelési ktg. után","F. egységek e.alap-kezelési ktg. után","Számított Hozam-Monitor ktg.","K. egységek HM ktg. után","F. egységek HM ktg. után","Számított kockázati ktg.","K. egységek kockázati ktg. után","F. egységek kockázati ktg. után (záró)","K. egységek kezdeti ktg. után (záró)","Összes esedékes költség: aktuális HM ktg. előtt","Összes f. egység fedezet HM ktg. előtt","Érvényesíthető ktg. HM ktg. előtt","Összes esedékes költség: aktuális kock. ktg. előtt","Összes f. egység fedezet kock. ktg. előtt","Érvényesíthető ktg. kock. ktg. előtt","Megmaradó elhatárolt ktg.","Egyéni számlaérték","VV összeg","Kumulált megtak díj","Kumulált admin"]
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[null,null,null,null,"Eszközalapot érintő tranzakciók",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Elhatárolások folyamatos díjas esetben",null,null,null,null,null,null,"Hónap végén"]
["Év","Hónap",null,"Admin. díjrész","Befektetett díj","Allokációs ktg.","Nyitó árfolyam","Záró árfolyam","Vásárolt kezdeti egységek","Vásárolt felhalm. egységek","Kezdeti egységek nyitó","Felhalm. egységek nyitó","K. egységek e.alap-kezelési ktg. után","F. egységek e.alap-kezelési ktg. után","Számított Hozam-Monitor ktg.","K. egységek HM ktg. után","F. egységek HM ktg. után","Számított kockázati ktg.","K. egységek kockázati ktg. után","F. egységek kockázati ktg. után (záró)","K. egységek kezdeti ktg. után (záró)","Összes esedékes költség: aktuális HM ktg. előtt","Összes f. egység fedezet HM ktg. előtt","Érvényesíthető ktg. HM ktg. előtt","Összes esedékes költség: aktuális kock. ktg. előtt","Összes f. egység fedezet kock. ktg. előtt","Érvényesíthető ktg. kock. ktg. előtt","Megmaradó elhatárolt ktg.","Egyéni számlaérték","VV összeg","Kumulált megtak díj","Kumulált admin"]
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["Év","Hónap",null,"Admin. díjrész","Befektetett díj","Allokációs ktg.","Nyitó árfolyam","Záró árfolyam","Vásárolt kezdeti egységek","Vásárolt felhalm. egységek","Kezdeti egységek nyitó","Felhalm. egységek nyitó","K. egységek e.alap-kezelési ktg. után","F. egységek e.alap-kezelési ktg. után","Számított Hozam-Monitor ktg.","K. egységek HM ktg. után","F. egységek HM ktg. után","Számított kockázati ktg.","K. egységek kockázati ktg. után","F. egységek kockázati ktg. után (záró)","K. egységek kezdeti ktg. után (záró)","Összes esedékes költség: aktuális HM ktg. előtt","Összes f. egység fedezet HM ktg. előtt","Érvényesíthető ktg. HM ktg. előtt","Összes esedékes költség: aktuális kock. ktg. előtt","Összes f. egység fedezet kock. ktg. előtt","Érvényesíthető ktg. kock. ktg. előtt","Megmaradó elhatárolt ktg.","Egyéni számlaérték","VV összeg","Kumulált megtak díj","Kumulált admin"]
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[null,null,"Alap",{"$f":"IF(H2=1,'Folyamatos Életív'!T22,'Folyamatos Nyugdíjcélú Életív'!T22)","v":0},null,null,null,null,null,23,0,0,0,null,{"$f":"('Folyamatos Nyugdíjcélú Életív'!G87+'Folyamatos Nyugdíjcélú Életív'!M87)*$G$23+('Folyamatos Nyugdíjcélú Életív'!G86+'Folyamatos Nyugdíjcélú Életív'!M86)*(1-$G$23)","v":{"$error":"#VALUE!"}}]
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["Év","Hónap",null,"Adójóváírás kell","Befektetett díj","Allokációs ktg.","Nyitó árfolyam","Záró árfolyam","Vásárolt kezdeti egységek","Vásárolt felhalm. egységek","Kezdeti egységek nyitó","Felhalm. egységek nyitó","K. egységek e.alap-kezelési ktg. után","F. egységek e.alap-kezelési ktg. után","Számított Hozam-Monitor ktg.","K. egységek HM ktg. után","F. egységek HM ktg. után","Számított kockázati ktg.","K. egységek kockázati ktg. után","F. egységek kockázati ktg. után (záró)","K. egységek kezdeti ktg. után (záró)","Összes esedékes költség: aktuális HM ktg. előtt","Összes f. egység fedezet HM ktg. előtt","Érvényesíthető ktg. HM ktg. előtt","Összes esedékes költség: aktuális kock. ktg. előtt","Összes f. egység fedezet kock. ktg. előtt","Érvényesíthető ktg. kock. ktg. előtt","Megmaradó elhatárolt ktg.","Egyéni számlaérték","VV összeg","Kumulált megtak díj"]
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[null,null,null,null,null,null,null,null,null,38,0,0,0]
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[null,null,null,null,null,null,null,null,null,40,0,0,0]
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[null,null,null,null,null,null,null,null,null,42,0,0,0]
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[]
[null,null,null,null,"Eszközalapot érintő tranzakciók",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Elhatárolások folyamatos díjas esetben",null,null,null,null,null,null,"Hónap végén"]
["Év","Hónap",null,null,"Befektetett díj","Allokációs ktg.","Nyitó árfolyam","Záró árfolyam","Vásárolt kezdeti egységek","Vásárolt felhalm. egységek","Kezdeti egységek nyitó","Felhalm. egységek nyitó","K. egységek e.alap-kezelési ktg. után","F. egységek e.alap-kezelési ktg. után","Számított Hozam-Monitor ktg.","K. egységek HM ktg. után","F. egységek HM ktg. után","Számított kockázati ktg.","K. egységek kockázati ktg. után","F. egységek kockázati ktg. után (záró)","K. egységek kezdeti ktg. után (záró)","Összes esedékes költség: aktuális HM ktg. előtt","Összes f. egység fedezet HM ktg. előtt","Érvényesíthető ktg. HM ktg. előtt","Összes esedékes költség: aktuális kock. ktg. előtt","Összes f. egység fedezet kock. ktg. előtt","Érvényesíthető ktg. kock. ktg. előtt","Megmaradó elhatárolt ktg.","Egyéni számlaérték","VV összeg","Kumulált megtak díj"]
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[]
[null,null,null,null,"Eszközalapot érintő tranzakciók",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Elhatárolások folyamatos díjas esetben",null,null,null,null,null,null,"Hónap végén"]
["Év","Hónap",null,null,"Befektetett díj","Allokációs ktg.","Nyitó árfolyam","Záró árfolyam","Vásárolt kezdeti egységek","Vásárolt felhalm. egységek","Kezdeti egységek nyitó","Felhalm. egységek nyitó","K. egységek e.alap-kezelési ktg. után","F. egységek e.alap-kezelési ktg. után","Számított Hozam-Monitor ktg.","K. egységek HM ktg. után","F. egységek HM ktg. után","Számított kockázati ktg.","K. egységek kockázati ktg. után","F. egységek kockázati ktg. után (záró)","K. egységek kezdeti ktg. után (záró)","Összes esedékes költség: aktuális HM ktg. előtt","Összes f. egység fedezet HM ktg. előtt","Érvényesíthető ktg. HM ktg. előtt","Összes esedékes költség: aktuális kock. ktg. előtt","Összes f. egység fedezet kock. ktg. előtt","Érvényesíthető ktg. kock. ktg. előtt","Megmaradó elhatárolt ktg.","Egyéni számlaérték","VV összeg","Kumulált megtak díj"]
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[null,null,null,null,null,null,null,null,null,42,0,0,0]
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[]
[null,null,null,null,"Eszközalapot érintő tranzakciók",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Elhatárolások folyamatos díjas esetben",null,null,null,null,null,null,"Hónap végén"]
["Év","Hónap",null,null,"Befektetett díj","Allokációs ktg.","Nyitó árfolyam","Záró árfolyam","Vásárolt kezdeti egységek","Vásárolt felhalm. egységek","Kezdeti egységek nyitó","Felhalm. egységek nyitó","K. egységek e.alap-kezelési ktg. után","F. egységek e.alap-kezelési ktg. után","Számított Hozam-Monitor ktg.","K. egységek HM ktg. után","F. egységek HM ktg. után","Számított kockázati ktg.","K. egységek kockázati ktg. után","F. egységek kockázati ktg. után (záró)","K. egységek kezdeti ktg. után (záró)","Összes esedékes költség: aktuális HM ktg. előtt","Összes f. egység fedezet HM ktg. előtt","Érvényesíthető ktg. HM ktg. előtt","Összes esedékes költség: aktuális kock. ktg. előtt","Összes f. egység fedezet kock. ktg. előtt","Érvényesíthető ktg. kock. ktg. előtt","Megmaradó elhatárolt ktg.","Egyéni számlaérték","VV összeg","Kumulált megtak díj"]
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[null,null,"Eszközalap-kategória",{"$f":"IF(ISERROR(VLOOKUP(D24,'Hozamsorok-eszközalapok'!M1:N14,2,FALSE))=TRUE,4,VLOOKUP(D24,'Hozamsorok-eszközalapok'!M1:N14,2,FALSE))","v":4},null,"Eseti díj",{"$f":"IF(H2=1,'Folyamatos Életív'!K11,'Folyamatos Nyugdíjcélú Életív'!I11)*D26","v":0},null,null,18,0,0,0]
[null,null,"Hozamsor ",2,null,null,null,null,null,19,0,0,0]
[null,null,null,null,null,null,null,null,null,20,0,0,0]
[null,null,"Stop-loss",{"$f":"+IF('Folyamatos Életív'!R29=\"Igen\",1,0)","v":0},"HV",{"$f":"IF('Folyamatos Életív'!R30=\"Igen\",1,0)","v":0},null,null,null,21,0,0,0]
[null,null,"Profitvédelem",0,"Extra hozam",{"$f":"IF(D22=0,0,INDEX('Hozamsorok-eszközalapok'!N19:O22,D19-3,IF(F22=0,1,2)))","v":0},null,null,null,22,0,0,0]
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[null,null,null,null,null,null,null,null,null,24,0,0,0]
[null,null,"Alaparány",{"$f":"IF(H2=1,'Folyamatos Életív'!AG27,'Folyamatos Nyugdíjcélú Életív'!AG27)","v":0},null,null,null,null,null,25,{"$f":"INDEX($AC$50:$AE$589,J26*12,1)","v":0},{"$f":"INDEX($AC$50:$AE$589,J26*12,2)","v":0},{"$f":"INDEX($AC$50:$AE$589,J26*12,3)","v":0}]
[null,null,null,null,null,null,null,null,null,26,0,0,0]
[null,null,null,null,null,null,null,null,null,27,0,0,0]
[null,null,null,null,null,null,null,null,null,28,0,0,0]
[null,null,null,null,null,null,null,null,null,29,0,0,0]
[null,null,null,null,null,null,null,null,null,30,0,0,0]
[null,null,null,null,null,null,null,null,null,31,0,0,0]
[null,null,null,null,null,null,null,null,null,32,0,0,0]
[null,null,null,null,null,null,null,null,null,33,0,0,0]
[null,null,null,null,null,null,null,null,null,34,0,0,0]
[null,null,null,null,null,null,null,null,null,35,0,0,0]
[null,null,null,null,null,null,null,null,null,36,0,0,0]
[null,null,null,null,null,null,null,null,null,37,0,0,0]
[null,null,null,null,null,null,null,null,null,38,0,0,0]
[null,null,null,null,null,null,null,null,null,39,0,0,0]
[null,null,null,null,null,null,null,null,null,40,0,0,0]
[null,null,null,null,null,null,null,null,null,41,0,0,0]
[null,null,null,null,null,null,null,null,null,42,0,0,0]
[null,null,null,null,null,null,null,null,null,43,0,0,0]
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[null,null,null,null,null,null,null,null,null,45,{"$f":"INDEX($AC$50:$AE$589,J46*12,1)","v":0},{"$f":"INDEX($AC$50:$AE$589,J46*12,2)","v":0},{"$f":"INDEX($AC$50:$AE$589,J46*12,3)","v":0}]
[]
[null,null,null,null,"Eszközalapot érintő tranzakciók",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Elhatárolások folyamatos díjas esetben",null,null,null,null,null,null,"Hónap végén"]
["Év","Hónap",null,null,"Befektetett díj","Allokációs ktg.","Nyitó árfolyam","Záró árfolyam","Vásárolt kezdeti egységek","Vásárolt felhalm. egységek","Kezdeti egységek nyitó","Felhalm. egységek nyitó","K. egységek e.alap-kezelési ktg. után","F. egységek e.alap-kezelési ktg. után","Számított Hozam-Monitor ktg.","K. egységek HM ktg. után","F. egységek HM ktg. után","Számított kockázati ktg.","K. egységek kockázati ktg. után","F. egységek kockázati ktg. után (záró)","K. egységek kezdeti ktg. után (záró)","Összes esedékes költség: aktuális HM ktg. előtt","Összes f. egység fedezet HM ktg. előtt","Érvényesíthető ktg. HM ktg. előtt","Összes esedékes költség: aktuális kock. ktg. előtt","Összes f. egység fedezet kock. ktg. előtt","Érvényesíthető ktg. kock. ktg. előtt","Megmaradó elhatárolt ktg.","Egyéni számlaérték","VV összeg","Kumulált megtak díj"]
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[null,null,"Befektetendő összeg",{"$f":"+G19","v":0},null,null,null,null,null,11,0,0,0]
[null,null,"Allokációs költség",0,null,"Kockázati biztosítási összeg",{"$f":"D12*0.1*IF(H2=1,1,'Egyszeri Nyugdíjcélú Életív'!T7)","v":0},null,null,12,0,0,0]
[null,null,"Kezdeti költség",1.8E-3,null,"Kezdeti egység vv tényező",0.99880000000000002,null,null,13,0,0,0]
[null,null,"Kockázati költség",{"$f":"IF(H2=1,0.11%,0.167%)","v":1.67E-3},null,"Felhalm. egység vv tényező",1,null,null,14,0,0,0]
[null,null,null,null,null,null,null,null,null,15,0,0,0]
[null,"T érték specifikus adatok",null,null,null,null,null,null,null,16,0,0,0]
[null,null,null,null,null,null,null,null,null,17,0,0,0]
[null,null,"Eszközalap-kategória",{"$f":"IF(ISERROR(VLOOKUP(D24,'Hozamsorok-eszközalapok'!M1:N14,2,FALSE))=TRUE,4,VLOOKUP(D24,'Hozamsorok-eszközalapok'!M1:N14,2,FALSE))","v":4},null,"Egyszeri/megtak díj",{"$f":"IF(H2=1,'Egyszeri Életív'!K7,'Egyszeri Nyugdíjcélú Életív'!I7)*D26","v":0},null,null,18,0,0,0]
[null,null,"Hozamsor ",2,null,"Hónapok naptári év végéig",{"$f":"12-MONTH(TODAY()+1)+1","v":3},null,null,19,0,0,0]
[null,null,null,null,null,"Adójóváírás hónapja",{"$f":"+G20+5-IF(G20+5>12,12,0)","v":8},null,null,20,0,0,0]
[null,null,"Stop-loss",{"$f":"+IF('Egyszeri Életív'!AC18=\"Igen\",1,0)","v":0},"HV",{"$f":"IF('Folyamatos Életív'!R30=\"Igen\",1,0)","v":0},{"$f":"+IF(MONTH(TODAY())>5,1,2)","v":1},"első éve",null,21,0,0,0]
[null,null,"Profitvédelem",0,"Extra hozam",{"$f":"IF(D22=0,0,INDEX('Hozamsorok-eszközalapok'!N19:O22,D19-3,IF(F22=0,1,2)))","v":0},null,null,null,22,0,0,0]
[null,null,"Alap",{"$f":"IF(H2=1,'Egyszeri Életív'!D22,'Egyszeri Nyugdíjcélú Életív'!D22)","v":0},null,null,null,null,null,23,0,0,0]
[null,null,null,null,null,null,null,null,null,24,0,0,0]
[null,null,"Alaparány",{"$f":"IF(H2=1,'Egyszeri Életív'!Q22,'Egyszeri Nyugdíjcélú Életív'!Q22)","v":0},null,null,null,null,null,25,{"$f":"INDEX($AC$50:$AE$589,J26*12,1)","v":0},{"$f":"INDEX($AC$50:$AE$589,J26*12,2)","v":0},{"$f":"INDEX($AC$50:$AE$589,J26*12,3)","v":0}]
[null,null,null,null,null,null,null,null,null,26,0,0,0]
[null,null,null,null,null,null,null,null,null,27,0,0,0]
[null,null,null,null,null,null,null,null,null,28,0,0,0]
[null,null,null,null,null,null,null,null,null,29,0,0,0]
[null,null,null,null,null,null,null,null,null,30,0,0,0]
[null,null,null,null,null,null,null,null,null,31,0,0,0]
[null,null,null,null,null,null,null,null,null,32,0,0,0]
[null,null,null,null,null,null,null,null,null,33,0,0,0]
[null,null,null,null,null,null,null,null,null,34,0,0,0]
[null,null,null,null,null,null,null,null,null,35,0,0,0]
[null,null,null,null,null,null,null,null,null,36,0,0,0]
[null,null,null,null,null,null,null,null,null,37,0,0,0]
[null,null,null,null,null,null,null,null,null,38,0,0,0]
[null,null,null,null,null,null,null,null,null,39,0,0,0]
[null,null,null,null,null,null,null,null,null,40,0,0,0]
[null,null,null,null,null,null,null,null,null,41,0,0,0]
[null,null,null,null,null,null,null,null,null,42,0,{"$f":"INDEX($AC$50:$AE$589,J43*12,2)","v":0},{"$f":"INDEX($AC$50:$AE$589,J43*12,3)","v":0}]
[null,null,null,null,null,null,null,null,null,43,0,{"$f":"INDEX($AC$50:$AE$589,J44*12,2)","v":0},{"$f":"INDEX($AC$50:$AE$589,J44*12,3)","v":0}]
[null,null,null,null,null,null,null,null,null,44,0,{"$f":"INDEX($AC$50:$AE$589,J45*12,2)","v":0},{"$f":"INDEX($AC$50:$AE$589,J45*12,3)","v":0}]
[null,null,null,null,null,null,null,null,null,45,{"$f":"INDEX($AC$50:$AE$589,J46*12,1)","v":0},{"$f":"INDEX($AC$50:$AE$589,J46*12,2)","v":0},{"$f":"INDEX($AC$50:$AE$589,J46*12,3)","v":0}]
[]
[null,null,null,null,"Eszközalapot érintő tranzakciók",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Elhatárolások folyamatos díjas esetben",null,null,null,null,null,null,"Hónap végén"]
["Év","Hónap","Befizetett díj","Adójóváírás","Befektetett díj","Allokációs ktg.","Nyitó árfolyam","Záró árfolyam","Vásárolt kezdeti egységek","Vásárolt felhalm. egységek","Kezdeti egységek nyitó","Felhalm. egységek nyitó","K. egységek e.alap-kezelési ktg. után","F. egységek e.alap-kezelési ktg. után","Számított Hozam-Monitor ktg.","K. egységek HM ktg. után","F. egységek HM ktg. után","Számított kockázati ktg.","K. egységek kockázati ktg. után","F. egységek kockázati ktg. után (záró)","K. egységek kezdeti ktg. után (záró)","Összes esedékes költség: aktuális HM ktg. előtt","Összes f. egység fedezet HM ktg. előtt","Érvényesíthető ktg. HM ktg. előtt","Összes esedékes költség: aktuális kock. ktg. előtt","Összes f. egység fedezet kock. ktg. előtt","Érvényesíthető ktg. kock. ktg. előtt","Megmaradó elhatárolt ktg.","Egyéni számlaérték","VV összeg","Kumulált megtak díj"]
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[null,"Általános paraméterek",null,null,null,null,null,null,null,5,0,0,0]
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[null,null,"Befektetendő összeg",{"$f":"+G19","v":0},null,null,null,null,null,11,0,0,0]
[null,null,"Allokációs költség",0,null,"Kockázati biztosítási összeg",{"$f":"D12*0.1*IF(H2=1,1,'Egyszeri Nyugdíjcélú Életív'!T7)","v":0},null,null,12,0,0,0]
[null,null,"Kezdeti költség",1.8E-3,null,"Kezdeti egység vv tényező",0.99880000000000002,null,null,13,0,0,0]
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[null,"T érték specifikus adatok",null,null,null,null,null,null,null,16,0,0,0]
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[null,null,"Hozamsor ",2,null,"Hónapok naptári év végéig",{"$f":"12-MONTH(TODAY()+1)+1","v":3},null,null,19,0,0,0]
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[null,null,"Profitvédelem",0,"Extra hozam",{"$f":"IF(D22=0,0,INDEX('Hozamsorok-eszközalapok'!N19:O22,D19-3,IF(F22=0,1,2)))","v":0},null,null,null,22,0,0,0]
[null,null,"Alap",{"$f":"IF(H2=1,'Egyszeri Életív'!D23,'Egyszeri Nyugdíjcélú Életív'!D23)","v":0},null,null,null,null,null,23,0,0,0]
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[null,null,"Alaparány",{"$f":"IF(H2=1,'Egyszeri Életív'!Q23,'Egyszeri Nyugdíjcélú Életív'!Q23)","v":0},null,null,null,null,null,25,{"$f":"INDEX($AC$50:$AE$589,J26*12,1)","v":0},{"$f":"INDEX($AC$50:$AE$589,J26*12,2)","v":0},{"$f":"INDEX($AC$50:$AE$589,J26*12,3)","v":0}]
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[null,null,null,null,null,null,null,null,null,27,0,0,0]
[null,null,null,null,null,null,null,null,null,28,0,0,0]
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[null,null,null,null,null,null,null,null,null,36,0,0,0]
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[null,null,null,null,null,null,null,null,null,38,0,0,0]
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[null,null,null,null,"Eszközalapot érintő tranzakciók",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Elhatárolások folyamatos díjas esetben",null,null,null,null,null,null,"Hónap végén"]
["Év","Hónap","Befizetett díj","Adójóváírás","Befektetett díj","Allokációs ktg.","Nyitó árfolyam","Záró árfolyam","Vásárolt kezdeti egységek","Vásárolt felhalm. egységek","Kezdeti egységek nyitó","Felhalm. egységek nyitó","K. egységek e.alap-kezelési ktg. után","F. egységek e.alap-kezelési ktg. után","Számított Hozam-Monitor ktg.","K. egységek HM ktg. után","F. egységek HM ktg. után","Számított kockázati ktg.","K. egységek kockázati ktg. után","F. egységek kockázati ktg. után (záró)","K. egységek kezdeti ktg. után (záró)","Összes esedékes költség: aktuális HM ktg. előtt","Összes f. egység fedezet HM ktg. előtt","Érvényesíthető ktg. HM ktg. előtt","Összes esedékes költség: aktuális kock. ktg. előtt","Összes f. egység fedezet kock. ktg. előtt","Érvényesíthető ktg. kock. ktg. előtt","Megmaradó elhatárolt ktg.","Egyéni számlaérték","VV összeg","Kumulált megtak díj"]
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[null,null,"Kezdeti költség",1.8E-3,null,"Kezdeti egység vv tényező",0.99880000000000002,null,null,13,0,0,0]
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[null,null,"Alap",{"$f":"IF(H2=1,'Egyszeri Életív'!D25,'Egyszeri Nyugdíjcélú Életív'!D25)","v":0},null,null,null,null,null,23,0,0,0]
[null,null,null,null,null,null,null,null,null,24,0,0,0]
[null,null,"Alaparány",{"$f":"IF(H2=1,'Egyszeri Életív'!Q25,'Egyszeri Nyugdíjcélú Életív'!Q25)","v":0},null,null,null,null,null,25,{"$f":"INDEX($AC$50:$AE$589,J26*12,1)","v":0},{"$f":"INDEX($AC$50:$AE$589,J26*12,2)","v":0},{"$f":"INDEX($AC$50:$AE$589,J26*12,3)","v":0}]
[null,null,null,null,null,null,null,null,null,26,0,0,0]
[null,null,null,null,null,null,null,null,null,27,0,0,0]
[null,null,null,null,null,null,null,null,null,28,0,0,0]
[null,null,null,null,null,null,null,null,null,29,0,0,0]
[null,null,null,null,null,null,null,null,null,30,0,0,0]
[null,null,null,null,null,null,null,null,null,31,0,0,0]
[null,null,null,null,null,null,null,null,null,32,0,0,0]
[null,null,null,null,null,null,null,null,null,33,0,0,0]
[null,null,null,null,null,null,null,null,null,34,0,0,0]
[null,null,null,null,null,null,null,null,null,35,0,0,0]
[null,null,null,null,null,null,null,null,null,36,0,0,0]
[null,null,null,null,null,null,null,null,null,37,0,0,0]
[null,null,null,null,null,null,null,null,null,38,0,0,0]
[null,null,null,null,null,null,null,null,null,39,0,0,0]
[null,null,null,null,null,null,null,null,null,40,0,0,0]
[null,null,null,null,null,null,null,null,null,41,0,0,0]
[null,null,null,null,null,null,null,null,null,42,0,0,0]
[null,null,null,null,null,null,null,null,null,43,0,0,0]
[null,null,null,null,null,null,null,null,null,44,0,0,0]
[null,null,null,null,null,null,null,null,null,45,{"$f":"INDEX($AC$50:$AE$589,J46*12,1)","v":0},{"$f":"INDEX($AC$50:$AE$589,J46*12,2)","v":0},{"$f":"INDEX($AC$50:$AE$589,J46*12,3)","v":0}]
[]
[null,null,null,null,"Eszközalapot érintő tranzakciók",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Elhatárolások folyamatos díjas esetben",null,null,null,null,null,null,"Hónap végén"]
["Év","Hónap","Befizetett díj","Adójóváírás","Befektetett díj","Allokációs ktg.","Nyitó árfolyam","Záró árfolyam","Vásárolt kezdeti egységek","Vásárolt felhalm. egységek","Kezdeti egységek nyitó","Felhalm. egységek nyitó","K. egységek e.alap-kezelési ktg. után","F. egységek e.alap-kezelési ktg. után","Számított Hozam-Monitor ktg.","K. egységek HM ktg. után","F. egységek HM ktg. után","Számított kockázati ktg.","K. egységek kockázati ktg. után","F. egységek kockázati ktg. után (záró)","K. egységek kezdeti ktg. után (záró)","Összes esedékes költség: aktuális HM ktg. előtt","Összes f. egység fedezet HM ktg. előtt","Érvényesíthető ktg. HM ktg. előtt","Összes esedékes költség: aktuális kock. ktg. előtt","Összes f. egység fedezet kock. ktg. előtt","Érvényesíthető ktg. kock. ktg. előtt","Megmaradó elhatárolt ktg.","Egyéni számlaérték","VV összeg","Kumulált megtak díj"]
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[null,"Általános paraméterek",null,null,null,null,null,null,null,5,0,0,0]
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[null,null,"Tartam",{"$f":"+'Egyszeri modell'!D9","v":15},null,null,null,null,null,8,0,0,0]
[null,null,{"$f":"IF(D8=1,\"---\",\"Megtakarítási időszak\")","v":"---"},null,null,{"$f":"IF(E4=TRUE,\"Stop-loss költség\",\"---\")","v":"Stop-loss költség"},{"$f":"IF(E4=TRUE,IF(D22=1,0.02%,0),\"---\")","v":0},null,null,9,0,0,0]
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[null,null,"Allokációs költség",0,null,"Kockázati biztosítási összeg",{"$f":"D12*0.1*IF(H2=1,1,'Egyszeri Nyugdíjcélú Életív'!T7)","v":0},null,null,12,0,0,0]
[null,null,"Kezdeti költség",1.8E-3,null,"Kezdeti egység vv tényező",0.99880000000000002,null,null,13,0,0,0]
[null,null,"Kockázati költség",{"$f":"IF(H2=1,0.11%,0.167%)","v":1.67E-3},null,"Felhalm. egység vv tényező",1,null,null,14,0,0,0]
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[null,"T érték specifikus adatok",null,null,null,null,null,null,null,16,0,0,0]
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[null,null,"Hozamsor ",2,null,"Hónapok naptári év végéig",{"$f":"12-MONTH(TODAY()+1)+1","v":3},null,null,19,0,0,0]
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[null,null,"Profitvédelem",0,"Extra hozam",{"$f":"IF(D22=0,0,INDEX('Hozamsorok-eszközalapok'!N19:O22,D19-3,IF(F22=0,1,2)))","v":0},null,null,null,22,0,0,0]
[null,null,"Alap",{"$f":"IF(H2=1,'Egyszeri Életív'!D26,'Egyszeri Nyugdíjcélú Életív'!D26)","v":0},null,null,null,null,null,23,0,0,0]
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[null,null,null,null,null,null,null,null,null,35,0,0,0]
[null,null,null,null,null,null,null,null,null,36,0,0,0]
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["Év","Hónap","Befizetett díj","Adójóváírás","Befektetett díj","Allokációs ktg.","Nyitó árfolyam","Záró árfolyam","Vásárolt kezdeti egységek","Vásárolt felhalm. egységek","Kezdeti egységek nyitó","Felhalm. egységek nyitó","K. egységek e.alap-kezelési ktg. után","F. egységek e.alap-kezelési ktg. után","Számított Hozam-Monitor ktg.","K. egységek HM ktg. után","F. egységek HM ktg. után","Számított kockázati ktg.","K. egységek kockázati ktg. után","F. egységek kockázati ktg. után (záró)","K. egységek kezdeti ktg. után (záró)","Összes esedékes költség: aktuális HM ktg. előtt","Összes f. egység fedezet HM ktg. előtt","Érvényesíthető ktg. HM ktg. előtt","Összes esedékes költség: aktuális kock. ktg. előtt","Összes f. egység fedezet kock. ktg. előtt","Érvényesíthető ktg. kock. ktg. előtt","Megmaradó elhatárolt ktg.","Egyéni számlaérték","VV összeg","Kumulált megtak díj"]
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[null,null,"Tartam",{"$f":"+'Egyszeri modell'!D9","v":15},null,null,null,null,null,8,0,0,0]
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[null,null,"Kezdeti költség",1.8E-3,null,"Kezdeti egység vv tényező",0.99880000000000002,null,null,13,0,0,0]
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[15,0,3.5999999999999997E-2,7.0999999999999994E-2,4.5999999999999999E-2,9.9000000000000005E-2]
[16,0,3.5999999999999997E-2,7.0000000000000007E-2,4.5999999999999999E-2,9.8000000000000004E-2]
[17,0,3.5000000000000003E-2,6.9000000000000006E-2,4.4999999999999998E-2,9.7000000000000003E-2]
[18,0,3.5000000000000003E-2,6.8000000000000005E-2,4.4999999999999998E-2,9.6000000000000002E-2]
[19,0,3.4000000000000002E-2,6.6000000000000003E-2,4.3999999999999997E-2,9.4E-2]
[20,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[21,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[22,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[23,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[24,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[25,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[26,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[27,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[28,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[29,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[30,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[31,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[32,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[33,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[34,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[35,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[36,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[37,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[38,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[39,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[40,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[41,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[42,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[43,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[44,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]
[45,0,3.4000000000000002E-2,6.4000000000000001E-2,4.3999999999999997E-2,8.7999999999999995E-2]

{"sheet":"Súgó","index":20,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":true,"merged":[]}

{"sheet":"HozamMonitor Példák","index":21,"n_rows":52,"n_cols":11,"rows_kept":52,"cut":false,"hidden":true,"merged":[]}
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"1. példa"]
[]
[null,"Vizsgált eszköz: Groupama Asie (Ázsia Részvény Forint Eszközalap mögöttes alapja)"]
[null,"Vizsgált időtáv: 2002.02.01 – 2011.09.14"]
[null,"Alkalmazott HozamMonitor stratégia: Stop-loss (15%) és Hozamvadász (15%)"]
[null,"Eredeti évesített hozam: 6,59% ",null,null,null,null,null,null,null,null,"HozamMonitor Stratégiával számolt évesített hozam: 12,64%"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"2. példa"]
[]
[null,"Vizsgált eszköz: Groupama Euro Capital Durable (Eurózóna Fenntartható Fejlődés Részvény Forint Eszközalap mögöttes alapja)"]
[null,"Vizsgált időtáv: 2001.11.20 – 2011.10.05"]
[null,"Alkalmazott HozamMonitor stratégia: Stop-loss (15%) és Hozamvadász (15%)"]
[null,"Eredeti évesített hozam: -0,16%",null,null,null,null,null,null,null,null,"HozamMonitor Stratégiával számolt évesített hozam: 2,90%"]

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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Célértékhez"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AD35-Nyugdíjprogram!AB44","v":0}]
[]
[null,null,"Szerződés alapadatai"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Minimumdíj akció",null,null,"K8-ba adatérvényesítés, hibaüzenet, sima"]
[null,null,null,null,null,null,null,null,null,"Díjfizetési gyakoriság","Havi",null,null,null,null,null,{"$f":"IF(K7=\"Éves\",2,IF(K7=\"Havi\",3,IF(K7=\"Féléves\",4,5)))","v":3},{"$f":"+IF('Folyamatos Életív'!Q7=2,12,IF('Folyamatos Életív'!Q7=3,1,IF('Folyamatos Életív'!Q7=4,6,3)))","v":1},null,null,null,null,null,null,null,"Tartam",10,null,null,null,null,null,null,null,null,null,null,null,null,null,"Igen",null,null,"A megtakarítási díjrész túl alacsony!\n\nMinimális érték:\n\n- havi díjfizetésnél 8.000 Ft\n- negyedéves díjfizetésnél 24.000 Ft\n- féléves díjfizetésnél 48.000 Ft\n- éves díjfizetésnél 96.000 Ft"]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(Q7=3,\"Havi\",IF(Q7=2,\"Éves\",IF(Q7=4,\"Féléves\",\"Negyedéves\")))&\" megtakarítási díjrész\"","v":"Havi megtakarítási díjrész"},15000,null,null,null,null,null,{"$f":"IF(AO7=\"Nem\",IF(OR(AND(Q7=2,K8<96000),AND(Q7=3,K8<8000),AND(Q7=4,K8<48000),AND(Q7=5,K8<24000)),1,0),IF(OR(AND(Q7=2,K8<AO9*12),AND(Q7=3,K8<AO9),AND(Q7=4,K8<AO9*6),AND(Q7=5,K8<AO9*3)),1,0))","v":0},null,null,null,null,null,null,null,null,"Megtakarítási időszak",10,null,null,null,null,null,null,null,null,null,null,null,null,null,"Csökkentett minimumdíj",null,"Köt. díjlehívás","K8-ba adatérvényesítés, hibaüzenet, akciós"]
[null,null,null,null,null,null,null,null,null,"Díjfizetési mód","Díjlehívás",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Indexálás",0.05,null,null,null,null,null,null,null,null,null,null,null,null,null,5000,null,"Igen","A megtakarítási díjrész túl alacsony!\n\nMinimális érték:\n\n- havi díjfizetésnél 5.000 Ft\n- negyedéves díjfizetésnél 15.000 Ft\n- féléves díjfizetésnél 30.000 Ft\n- éves díjfizetésnél 60.000 Ft"]
[null,null,null,null,{"$f":"+IF(Q8=1,\"A választott díjfizetési gyakorisághoz túl alacsony a megtakarítási díjrész! Kérem, módosítsa az összeget!\",IF(AA7<AA8,\"A tartam nem lehet rövidebb a megtakarítási időszaknál!\",IF(C37=1,\"Adott megtakarítási díjrész csak legalább \"&AO11&\" Ft összdíjú kiegészítő biztosítás kötése mellett választható!\",IF(AND(AO7=\"Igen\",AQ9=\"Igen\",K9<>\"Díjlehívás\",AND(OR(AND(K7=\"Havi\",K8<8000),AND(K7=\"Negyedéves\",K8<24000),AND(K7=\"Féléves\",K8<48000),AND(K7=\"Éves\",K8<96000)))),\"Adott megtakarítási díjrész csak díjlehívásos fizetési mód mellett választható!\",\"\"))))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kiegészítők szükséges összege"]
[null,null,null,null,null,null,null,null,null,"Kezdeti eseti befizetés",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000]
[]
[null,null,"Befektetés alapadatai",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Merész","Merész modellportfólió",null,null,0.25,"Ázsia Részvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Dinamikus"," ",null,null,0.25,"Közép-Európai Részvény Forint"]
[null,null,null,"Rendelkezés a folyamatos díjakról",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rendelkezés az eseti díjról",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kiegyensúlyozott"," ",null,null,0.2,"Eurózóna Fenntartható Fejlődés Részvény Forint"]
[null,null,null,{"$f":"IF(OR(Q28<>1,AG29=1),\"Kérem, válasszon befektetési hátteret\"&IF(Q28<>1,\" a folyamatos\",\"\")&IF(AND(Q28<>1,AG29=1),\" és eseti\",IF(AG29=1,\" az eseti\",\"\"))&IF(OR(Q28<>1,AG29=1),\" díjak befektetéséhez!\"),\"\")","v":"Kérem, válasszon befektetési hátteret a folyamatos díjak befektetéséhez!"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Megfontolt"," ",null,null,0.15,"Természeti Kincsek Árupiaci Forint"]
[null,null,null,"Modellportfólió",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Modellportfólió",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Óvatos"," ",null,null,0.15,"Magyar Állampapír Kötvény Forint"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ázsia Részvény Forint","Dinamikus modellportfólió",null,null,0.25,"Eurózóna Fejlett Piaci Részvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Eurózóna Fejlett Piaci Részvény Forint"," ",null,null,0.2,"Közép-Európai Részvény Forint"]
[null,null,null,"Választott eszközalapok",null,null,null,null,null,null,null,null,null,null,null,null,"Arány",null,null,"Választott eszközalapok",null,null,null,null,null,null,null,null,null,null,null,null,"Arány",null,null,null,null,null,null,null,"Eurózóna Fenntartható Fejlődés Részvény Forint"," ",null,null,0.15,"Ázsia Részvény Forint"]
[null,null,"1)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fejlődő Piaci Kötvény Forint"," ",null,null,0.25,"Fejlődő Piaci Kötvény Forint"]
[null,null,"2)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Közép-Európai Részvény Forint"," ",null,null,0.15,"Magyar Állampapír Kötvény Forint"]
[null,null,"3)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Közép-Európai Rövid Kötvény Forint"," "]
[null,null,"4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Magyar Állampapír Kötvény Forint","Kiegyensúlyozott modellportfólió",null,null,0.2,"Eurózóna Fenntartható Fejlődés Részvény Forint"]
[null,null,"5)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pénzpiaci Forint"," ",null,null,0.1,"Közép-Európai Részvény Forint"]
[null,null,"6)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"6)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Természeti Kincsek Árupiaci Forint"," ",null,null,0.15,"Természeti Kincsek Árupiaci Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+SUM(Q22:R27)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+SUM(AG22:AH27)","v":0},null,null,null,null,null,null,null,null," ",null,null,0.3,"Közép-Európai Rövid Kötvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(AND(K11>0,AG28<>100%),1,0)","v":0},null,null,null,null,null,null,null,null,null,null,null,0.25,"Magyar Állampapír Kötvény Forint"]
[]
[1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,null,null,null,null,null,null,null,"Megfontolt modellportfólió",null,null,0.15,"Közép-Európai Részvény Forint"]
[null,null,"Díjadatok és prognosztizált befektetési eredmény",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.15,"Természeti Kincsek Árupiaci Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.3,"Fejlődő Piaci Kötvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Megtakarítási díjrész",{"$f":"K8","v":15000},null,null,null,{"$f":"IF($Q$7=3,\"/hó\",IF($Q$7=5,\"/negyedév\",IF($Q$7=4,\"/félév\",IF($Q$7=2,\"/év\"))))","v":"/hó"},null,null,null,null,null,null,null,null,null,null,"Tartam alatt befektetett teljes összeg",{"$f":"IF(OR(Q28<1,AG29=1),0,VLOOKUP($AA$7,'Folyamatos modell'!$J$2:$M$46,4,FALSE)+VLOOKUP($AA$7,'Folyamatos modell (2)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AA$7,'Folyamatos modell (3)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AA$7,'Folyamatos modell (4)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AA$7,'Folyamatos modell (5)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AA$7,'Folyamatos modell (6)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AA$7,'Eseti modell'!$J$2:$M$46,4,FALSE)+VLOOKUP($AA$7,'Eseti modell (2)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AA$7,'Eseti modell (3)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AA$7,'Eseti modell (4)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AA$7,'Eseti modell (5)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AA$7,'Eseti modell (6)'!$J$2:$M$46,4,FALSE))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.2,"Közép-Európai Rövid Kötvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Kezdeti adminisztrációs díjrész",{"$f":"IF(Q7=2,12,IF(Q7=3,1,IF(Q7=4,6,3)))*600","v":600},null,null,null,{"$f":"IF($Q$7=3,\"/hó\",IF($Q$7=5,\"/negyedév\",IF($Q$7=4,\"/félév\",IF($Q$7=2,\"/év\"))))","v":"/hó"},null,null,null,null,null,null,null,null,null,null,"Becsült lejárati szolgáltatás",{"$f":"IF(OR(Q28<1,AG29=1),0,VLOOKUP($AA$7,'Folyamatos modell'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Folyamatos modell (2)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Folyamatos modell (3)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Folyamatos modell (4)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Folyamatos modell (5)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Folyamatos modell (6)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Eseti modell'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Eseti modell (2)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Eseti modell (3)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Eseti modell (4)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Eseti modell (5)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Eseti modell (6)'!$J$2:$M$46,2,FALSE))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.2,"Pénzpiaci Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Kedvezmény adminisztrációs díjrészből",{"$f":"-N35*IF(OR(K9=\"Díjlehívás\",Q7=2),0.2,0)","v":-120},null,null,null,{"$f":"IF($Q$7=3,\"/hó\",IF($Q$7=5,\"/negyedév\",IF($Q$7=4,\"/félév\",IF($Q$7=2,\"/év\"))))","v":"/hó"}]
[null,null,{"$f":"IF(AND(OR(AND(K7=\"Havi\",K8<8000),AND(K7=\"Negyedéves\",K8<24000),AND(K7=\"Féléves\",K8<48000),AND(K7=\"Éves\",K8<96000)),N37<AO11,AO7=\"Igen\"),1,0)","v":0},null,null,null,null,null,null,null,null,null,"Kiegészítő biztosítások fizetendő díja",{"$f":"'Kiegészítők - Folyamatos Életív'!G31+'Kiegészítők - Folyamatos Életív'!G54+'Kiegészítők - Folyamatos Életív'!G77+'Kiegészítők - Folyamatos Életív'!G100+'Kiegészítők - Folyamatos Életív'!G123+'Kiegészítők - Folyamatos Életív'!G146+'Kiegészítők - Folyamatos Életív'!G169+'Kiegészítők - Folyamatos Életív'!G192+'Kiegészítők - Folyamatos Életív'!G215+'Kiegészítők - Folyamatos Életív'!G238","v":0},null,null,null,{"$f":"IF($Q$7=3,\"/hó\",IF($Q$7=5,\"/negyedév\",IF($Q$7=4,\"/félév\",IF($Q$7=2,\"/év\"))))","v":"/hó"},null,null,null,null,null,null,null,null,null,null,"Becsült többleteredmény (érték)",{"$f":"+AD35-AD34","v":0},null,null,null,null,null,null,null,null,null,null,null,"Óvatos modellportfólió",null,null,0.1,"Eurózóna Fejlett Piaci Részvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Fizetendő kezdeti folyamatos biztosítási díj",{"$f":"SUM(N34:N37)","v":15480},null,null,null,{"$f":"IF($Q$7=3,\"/hó\",IF($Q$7=5,\"/negyedév\",IF($Q$7=4,\"/félév\",IF($Q$7=2,\"/év\"))))","v":"/hó"},null,null,null,null,null,null,null,null,null,null,"Becsült többleteredmény (százalék)",{"$f":"IF(ISERROR(AD35/AD34-1)=TRUE,0,AD35/AD34-1)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.25,"Közép-Európai Rövid Kötvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(K11>0,\"Fizetendő eseti díj\",\"\")","v":""},{"$f":"IF(K11>0,K11,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.15,"Fejlődő Piaci Kötvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.1,"Magyar Állampapír Kötvény Forint"]
[null,"A megadott adatok becsült hozamokon alapulnak, a jelzett összegekre a Groupama Garancia Biztosító Zrt. nem vállal garanciát!",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.4,"Pénzpiaci Forint"]
[null,null,"Eredmény részletei"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+AO63","v":"Befektetett összeg"},{"$f":"\"=SERIES(,'Folyamatos Életív'!R65C4:R\"&AN63-1&\"C4,'Folyamatos Életív'!R65C41:R\"&AN63-1&\"C41,1)\"","v":"=SERIES(,'Folyamatos Életív'!R65C4:R74C4,'Folyamatos Életív'!R65C41:R74C41,1)"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+W63","v":"Egyéni számla értéke"},{"$f":"\"=SERIES(,'Folyamatos Életív'!R65C4:R\"&AN63-1&\"C4,'Folyamatos Életív'!R65C23:R\"&AN63-1&\"C23,1)\"","v":"=SERIES(,'Folyamatos Életív'!R65C4:R74C4,'Folyamatos Életív'!R65C23:R74C23,1)"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+AB63","v":"Visszavásárlási összeg"},{"$f":"\"=SERIES(,'Folyamatos Életív'!R65C4:R\"&AN63-1&\"C4,'Folyamatos Életív'!R65C28:R\"&AN63-1&\"C28,1)\"","v":"=SERIES(,'Folyamatos Életív'!R65C4:R74C4,'Folyamatos Életív'!R65C28:R74C28,1)"}]
[null,null,null,"Biztosítási évforduló",null,null,"Befizetett\nmegtakarítási díjrész",null,null,null,null,null,"Befizetett \nadmin. díjrész",null,null,null,null,"Befizetett\neseti díj",null,null,null,null,"Egyéni számla értéke",null,null,null,null,"Visszavásárlási összeg",null,null,null,null,null,null,null,null,null,null,"min sor",{"$f":"+MAX(D65:F109)+65","v":75},"Befektetett összeg","Befizetett admin díjak göngyölten","Befizetett megtak díjak göngyölten","Eseti díj"]
[]
[null,null,null,1,null,null,{"$f":"+AQ65","v":0},null,null,null,null,null,{"$f":"+AP65","v":0},null,null,null,null,{"$f":"+AR65","v":0},null,null,null,null,{"$f":"IF(D65<>\"\",VLOOKUP(D65,'Folyamatos modell'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Folyamatos modell (2)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Folyamatos modell (3)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Folyamatos modell (4)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Folyamatos modell (5)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Folyamatos modell (6)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Eseti modell'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Eseti modell (2)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Eseti modell (3)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Eseti modell (4)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Eseti modell (5)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Eseti modell (6)'!$J$2:$N$46,2,FALSE),\"\")","v":0},null,null,null,null,{"$f":"IF(D65<>\"\",VLOOKUP(D65,'Folyamatos modell'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Folyamatos modell (2)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Folyamatos modell (3)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Folyamatos modell (4)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Folyamatos modell (5)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Folyamatos modell (6)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Eseti modell'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Eseti modell (2)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Eseti modell (3)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Eseti modell (4)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Eseti modell (5)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Eseti modell (6)'!$J$2:$N$46,3,FALSE),\"\")","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+AQ65+AR65","v":0},{"$f":"IF(D65<>\"\",VLOOKUP(D65,'Folyamatos modell'!$J$2:$N$46,5,FALSE)+VLOOKUP(D65,'Folyamatos modell (2)'!$J$2:$N$46,5,FALSE)+VLOOKUP(D65,'Folyamatos modell (3)'!$J$2:$N$46,5,FALSE)+VLOOKUP(D65,'Folyamatos modell (4)'!$J$2:$N$46,5,FALSE)+VLOOKUP(D65,'Folyamatos modell (5)'!$J$2:$N$46,5,FALSE)+VLOOKUP(D65,'Folyamatos modell (6)'!$J$2:$N$46,5,FALSE)+VLOOKUP(D65,'Eseti modell'!$J$2:$N$46,5,FALSE)+VLOOKUP(D65,'Eseti modell (2)'!$J$2:$N$46,5,FALSE)+VLOOKUP(D65,'Eseti modell (3)'!$J$2:$N$46,5,FALSE)+VLOOKUP(D65,'Eseti modell (4)'!$J$2:$N$46,5,FALSE)+VLOOKUP(D65,'Eseti modell (5)'!$J$2:$N$46,5,FALSE)+VLOOKUP(D65,'Eseti modell (6)'!$J$2:$N$46,5,FALSE),0)","v":0},{"$f":"IF(D65<>\"\",VLOOKUP(D65,'Folyamatos modell'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Folyamatos modell (2)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Folyamatos modell (3)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Folyamatos modell (4)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Folyamatos modell (5)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Folyamatos modell (6)'!$J$2:$N$46,4,FALSE),0)","v":0},{"$f":"IF(D65<>\"\",VLOOKUP(D65,'Eseti modell'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Eseti modell (2)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Eseti modell (3)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Eseti modell (4)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Eseti modell (5)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Eseti modell (6)'!$J$2:$N$46,4,FALSE),0)","v":0}]
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[]
[null,null,"Szerződés alapadatai"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"Választható szorzó: \"&AP28&\" - \"&AP29","v":"Választható szorzó: 1 - 20"},null,null,null,null,null,null,null,null,null,{"$f":"\"Lejárat: \"&TEXT(AM31,\"éééé.hh.nn\")","v":"Lejárat: 2035.01.01"},null,null,null,null,null,null,null,null,null,null,null,"Minimumdíj akció",null,null,"K8-ba adatérvényesítés, hibaüzenet, sima"]
[null,null,null,null,null,null,null,"Díjfizetési gyakoriság","Havi",null,null,null,{"$f":"IF(I7=\"Éves\",2,IF(I7=\"Havi\",3,IF(I7=\"Féléves\",4,5)))","v":3},{"$f":"+IF('Folyamatos Nyugdíjcélú Életív'!M7=2,12,IF('Folyamatos Nyugdíjcélú Életív'!M7=3,1,IF('Folyamatos Nyugdíjcélú Életív'!M7=4,6,3)))","v":1},null,null,null,null,"KBÖ szorzó",1,null,null,null,null,null,null,null,null,"Tartam egész évei",{"$f":"IF(TODAY()<AM31,ROUNDDOWN(YEARFRAC(TODAY(),AM31,1),0),-1*ROUNDDOWN(YEARFRAC(TODAY(),AM31,1),0))","v":20},null,null,null,null,null,null,null,null,null,null,"Nem",null,null,"A megtakarítási díjrész túl alacsony!\n\nMinimális érték:\n\n- havi díjfizetésnél 8.000 Ft\n- negyedéves díjfizetésnél 24.000 Ft\n- féléves díjfizetésnél 48.000 Ft\n- éves díjfizetésnél 96.000 Ft"]
[null,null,null,null,null,null,null,{"$f":"IF(M7=3,\"Havi\",IF(M7=2,\"Éves\",IF(M7=4,\"Féléves\",\"N.éves\")))&IF(OR(M7=4,M7=5),\" megtak. díjrész\",\" megtakarítási díjrész\")","v":"Havi megtakarítási díjrész"},15000,null,null,null,{"$f":"IF(AND(AO7=\"Nem\",AD8<20),IF(OR(AND(M7=2,I8<96000),AND(M7=3,I8<8000),AND(M7=4,I8<48000),AND(M7=5,I8<24000)),1,0),IF(OR(AND(M7=2,I8<AO9*12),AND(M7=3,I8<AO9),AND(M7=4,I8<AO9*6),AND(M7=5,I8<AO9*3)),1,0))","v":0},null,null,null,null,null,"Kock. bizt. összeg",{"$f":"T7*175000","v":175000},null,null,null,null,null,null,null,null,"Megtakarítási időszak",20,null,null,null,null,null,null,null,null,null,null,"Csökkentett minimumdíj",null,"Köt. díjlehívás","K8-ba adatérvényesítés, hibaüzenet, akciós"]
[null,null,null,null,null,null,null,"Díjfizetési mód","Díjlehívás",null,null,null,null,null,null,null,null,null,"Max. éves adójóváírás",130000,null,null,null,null,null,null,null,null,"Indexálás",0.05,null,null,null,null,null,null,null,null,null,null,5000,null,"Igen","A megtakarítási díjrész túl alacsony!\n\nMinimális érték:\n\n- havi díjfizetésnél 5.000 Ft\n- negyedéves díjfizetésnél 15.000 Ft\n- féléves díjfizetésnél 30.000 Ft\n- éves díjfizetésnél 60.000 Ft"]
[null,null,null,null,{"$f":"+IF(M8=1,\"A választott díjfizetési gyakorisághoz túl alacsony a megtakarítási díjrész! Kérem, módosítsa az összeget!\",IF(AD7<5,\"Folyamatos díjas nyugdíjbiztosítás nem köthető a megadott korú biztosítottal! A minimális tartam 5 év!\",IF(AD7<AD8,\"A tartam nem lehet rövidebb a megtakarítási időszaknál!\",IF(C37=1,\"Adott megtakarítási díjrész csak legalább \"&AO11&\" Ft összdíjú kiegészítő biztosítás kötése mellett választható!\",IF(AND(AO7=\"Igen\",AQ9=\"Igen\",I9<>\"Díjlehívás\",AND(OR(AND(I7=\"Havi\",I8<8000),AND(I7=\"Negyedéves\",I8<24000),AND(I7=\"Féléves\",I8<48000),AND(I7=\"Éves\",I8<96000)))),\"Adott megtakarítási díjrész csak díjlehívásos fizetési mód mellett választható!\",IF(AND(AD7<10,AD7<>AD8),\"A megtakarítási időszaknak meg kell egyeznie a tartammal 5-10 éves tartam között!\",IF(AND(AD8<10,AD7>=10),\"A megtakarítási időszak minimuma 10 év a megadott életkorú biztosított esetén!\",\"\")))))))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kiegészítők szükséges összege"]
[null,null,null,null,null,null,null,"Kezdeti eseti befizetés",0,null,null,null,null,null,null,null,null,null,"Születési idő","1970-01-01",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1000]
[]
[null,null,"Befektetés alapadatai, járadékszolgáltatás",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hozamorientált","Hozamorientált modellportfólió",null,null,0.25,"Eurózóna Fejlett Piaci Részvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Harmonikus"," ",null,null,0.25,"Eurózóna Fenntartható Fejlődés Részvény Forint"]
[null,null,null,"Rendelkezés a folyamatos díjakról",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rendelkezés az eseti díjról",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mérsékelt"," ",null,null,0.25,"Európa Csillagai Részvény Forint"]
[null,null,null,{"$f":"IF(OR(Q28<>1,AG29=1),\"Kérem, válasszon befektetési hátteret\"&IF(Q28<>1,\" a folyamatos\",\"\")&IF(AND(Q28<>1,AG29=1),\" és eseti\",IF(AG29=1,\" az eseti\",\"\"))&IF(OR(Q28<>1,AG29=1),\" díjak befektetéséhez!\"),\"\")","v":"Kérem, válasszon befektetési hátteret a folyamatos és eseti díjak befektetéséhez!"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," ",null,null,0.25,"Magyar Horizont Kötvény Forint"]
[null,null,null,"Modellportfólió",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Modellportfólió",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Európa Csillagai Részvény Forint","Harmonikus modellportfólió",null,null,0.3,"Eurózóna Fenntartható Fejlődés Részvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Eurózóna Fejlett Piaci Részvény Forint"," ",null,null,0.2,"Eurózóna Fejlett Piaci Részvény Forint"]
[null,null,null,"Választott eszközalapok",null,null,null,null,null,null,null,null,null,null,null,null,"Arány",null,null,"Választott eszközalapok",null,null,null,null,null,null,null,null,null,null,null,null,"Arány",null,null,null,null,null,null,null,"Eurózóna Fenntartható Fejlődés Részvény Forint"," ",null,null,0.3,"Magyar Horizont Kötvény Forint"]
[null,null,"1)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Magyar Extra Hosszú Kötvény Forint"," ",null,null,0.2,"Magyar Spektrum Kötvény Forint"]
[null,null,"2)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Magyar Horizont Kötvény Forint"," "]
[null,null,"3)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Magyar Középtávú Kötvény Forint"," "]
[null,null,"4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Magyar Spektrum Kötvény Forint","Mérsékelt modellportfólió",null,null,0.15,"Európa Csillagai Részvény Forint"]
[null,null,"5)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pénzpiaci Forint"," ",null,null,0.1,"Eurózóna Fejlett Piaci Részvény Forint"]
[null,null,"6)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"6)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," ",null,null,0.25,"Magyar Horizont Kötvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+SUM(Q22:R27)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+SUM(AG22:AH27)","v":0},null,null,null,null,null,null,null,"KBÖ min",1,5000,5,0.5,"Magyar Spektrum Kötvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(AND(OR(I11>0,T9>0),AG28<>100%),1,0)","v":1},null,null,null,null,null,null,null,"KBÖ max",{"$f":"IF(ISERROR(VLOOKUP(I8/N7,AQ28:AR38,2)),5,VLOOKUP(I8/N7,AQ28:AR38,2))","v":20},6000,10]
[null,null,null,null,null,null,null,"Járadékszámítás","Nem",null,null,null,null,null,null,null,null,null,"Járadék típusa","Életjáradék",null,null,null,null,null,null,null,null,"Tartama",10,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+AQ29+6000","v":12000},20]
[1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,null,null,null,null,{"$f":"DATE(YEAR(T11)+VLOOKUP(T11,AM32:AP38,3),MONTH(T11),DAY(T11)+VLOOKUP(T11,AM32:AP38,4))","v":"2035-01-01"},null,"Év","Nap",18000,30]
[null,null,"Díjadatok és prognosztizált befektetési eredmény",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1900-01-01","1951-12-31",62,0,24000,40]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1952-01-01","1952-12-31",62,183,30000,50]
[null,null,null,null,null,null,null,null,null,null,null,null,"Megtakarítási díjrész",{"$f":"I8","v":15000},null,null,null,{"$f":"IF($M$7=3,\"/hó\",IF($M$7=5,\"/negyedév\",IF($M$7=4,\"/félév\",IF($M$7=2,\"/év\"))))","v":"/hó"},null,null,null,null,null,null,null,null,null,null,"Tartam alatt befektetett teljes összeg",{"$f":"IF(OR(Q28<1,AG28<1),0,VLOOKUP($AD$7,'Folyamatos modell'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Folyamatos modell (2)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Folyamatos modell (3)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Folyamatos modell (4)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Folyamatos modell (5)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Folyamatos modell (6)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Eseti modell'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Eseti modell (2)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Eseti modell (3)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Eseti modell (4)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Eseti modell (5)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Eseti modell (6)'!$J$2:$M$46,4,FALSE))","v":0},null,null,null,null,null,null,null,null,"1953-01-01","1953-12-31",63,0,36000,60]
[null,null,null,null,null,null,null,null,null,null,null,null,"Kezdeti adminisztrációs díjrész",{"$f":"IF(M7=2,12,IF(M7=3,1,IF(M7=4,6,3)))*600","v":600},null,null,null,{"$f":"IF($M$7=3,\"/hó\",IF($M$7=5,\"/negyedév\",IF($M$7=4,\"/félév\",IF($M$7=2,\"/év\"))))","v":"/hó"},null,null,null,null,null,null,null,null,null,null,"Ebből adójóváírás",{"$f":"IF(OR(Q28<1,AG28<1),0,VLOOKUP($AD$7,'Eseti modell'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Eseti modell (2)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Eseti modell (3)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Eseti modell (4)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Eseti modell (5)'!$J$2:$M$46,4,FALSE)+VLOOKUP($AD$7,'Eseti modell (6)'!$J$2:$M$46,4,FALSE)-I11)","v":0},null,null,null,null,null,null,null,null,"1954-01-01","1954-12-31",63,183,42000,70]
[null,null,null,null,null,null,null,null,null,null,null,null,"Kedvezmény adminisztrációs díjrészből",{"$f":"-N35*MAX(IF(OR(I9=\"Díjlehívás\",M7=2),0.2,0),IF(AND(M7=2,I8/N7>=16000),0.5,0))","v":-120},null,null,null,{"$f":"IF($M$7=3,\"/hó\",IF($M$7=5,\"/negyedév\",IF($M$7=4,\"/félév\",IF($M$7=2,\"/év\"))))","v":"/hó"},null,null,null,null,null,null,null,null,null,null,"Becsült lejárati szolgáltatás",{"$f":"IF(OR(Q28<1,AG29=1),0,VLOOKUP($AD$7,'Folyamatos modell'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Folyamatos modell (2)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Folyamatos modell (3)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Folyamatos modell (4)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Folyamatos modell (5)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Folyamatos modell (6)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Eseti modell'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Eseti modell (2)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Eseti modell (3)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Eseti modell (4)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Eseti modell (5)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Eseti modell (6)'!$J$2:$M$46,2,FALSE))","v":0},null,null,null,null,null,null,null,null,"1955-01-01","1955-12-31",64,0,48000,80]
[null,null,{"$f":"IF(AND(OR(AND(I7=\"Havi\",I8<8000),AND(I7=\"Negyedéves\",I8<24000),AND(I7=\"Féléves\",I8<48000),AND(I7=\"Éves\",I8<96000)),N37<AO11,AO7=\"Igen\"),1,0)","v":0},null,null,null,null,null,null,null,null,null,"Kiegészítő biztosítások fizetendő díja",{"$f":"'Kiegészítők - Foly. Ny. Életív'!G32+'Kiegészítők - Foly. Ny. Életív'!G56+'Kiegészítők - Foly. Ny. Életív'!G80+'Kiegészítők - Foly. Ny. Életív'!G104+'Kiegészítők - Foly. Ny. Életív'!G128+'Kiegészítők - Foly. Ny. Életív'!G152+'Kiegészítők - Foly. Ny. Életív'!G176+'Kiegészítők - Foly. Ny. Életív'!G200+'Kiegészítők - Foly. Ny. Életív'!G224+'Kiegészítők - Foly. Ny. Életív'!G248","v":0},null,null,null,{"$f":"IF($M$7=3,\"/hó\",IF($M$7=5,\"/negyedév\",IF($M$7=4,\"/félév\",IF($M$7=2,\"/év\"))))","v":"/hó"},null,null,null,null,null,null,null,null,null,null,"Becsült többleteredmény (érték)",{"$f":"+AD36-AD34","v":0},null,null,null,null,null,null,null,null,"1956-01-01","1956-12-31",64,183,54000,90]
[null,null,null,null,null,null,null,null,null,null,null,null,"Fizetendő kezdeti folyamatos biztosítási díj",{"$f":"SUM(N34:N37)","v":15480},null,null,null,{"$f":"IF($M$7=3,\"/hó\",IF($M$7=5,\"/negyedév\",IF($M$7=4,\"/félév\",IF($M$7=2,\"/év\"))))","v":"/hó"},null,null,null,null,null,null,null,null,null,null,"Becsült többleteredmény (százalék)",{"$f":"IF(ISERROR(AD36/AD34-1)=TRUE,0,AD36/AD34-1)","v":0},null,null,null,null,null,null,null,null,"1957-01-01","2100-12-31",65,0,60000,100]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(I11>0,\"Fizetendő eseti díj\",\"\")","v":""},{"$f":"IF(I11>0,I11,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(I30=\"Igen\",\"Becsült havi járadéktag\",\"\")","v":""},{"$f":"IF(I30=\"Nem\",\"\",IF(T30=\"Életjáradék\",VLOOKUP(YEAR(AM31)-YEAR(T11),AO42:AQ45,3,FALSE)*AD36/1000000,AD36/(AD30*12)*0.98))","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 MFt díjra fizethető havi járadék (nő, élethosszig, 0-s garanciaidő)"]
[null,"A megadott adatok becsült hozamokon alapulnak, a jelzett összegekre a Groupama Garancia Biztosító Zrt. nem vállal garanciát!",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"kedvezmény nélkül","kedvezménnyel"]
[null,null,"Eredmény részletei",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,62,4306.0956309691201,4545.3231660229603]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,63,4434.6326845181511,4681.001166991382]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kockázati költség átlagos havi mértéke",{"$f":"(SUM('Folyamatos modell'!R50:R589)+SUM('Folyamatos modell (2)'!R50:R589)+SUM('Folyamatos modell (3)'!R50:R589)+SUM('Folyamatos modell (4)'!R50:R589)+SUM('Folyamatos modell (5)'!R50:R589)+SUM('Folyamatos modell (6)'!R50:R589))/(12*AD8)","v":0},null,null,null,null,null,null,null,null,null,null,64,4572.0901914013712,4826.0952020347795]
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[null,null,null,"Biztosítási évforduló",null,null,"Befizetett\nmegtakarítási díjrész",null,null,null,null,null,"Befizetett \nadmin. díjrész",null,null,null,null,{"$f":"IF(I11>0,\"Kezdő eseti díj / \",\"\")&\"Éves adójóváírás\"","v":"Éves adójóváírás"},null,null,null,null,"Egyéni számla értéke",null,null,null,null,"Visszavásárlási összeg",null,null,null,null,null,null,null,null,null,null,"min sor",{"$f":"+MAX(D65:F109)+65","v":85},"Befektetett összeg","Befizetett admin díjak göngyölten","Befizetett megtak díjak göngyölten","Eseti díj"]
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{"sheet":"Kiegészítők - Foly. Ny. Életív","index":24,"n_rows":248,"n_cols":12,"rows_kept":248,"cut":false,"hidden":true,"merged":[[60,5,61,6],[9,0,9,7],[12,5,13,6],[14,5,15,6],[17,4,17,5],[17,6,18,6],[33,0,33,7],[36,5,37,6],[38,5,39,6],[41,4,41,5],[41,6,42,6],[57,0,57,7],[113,4,113,5],[113,6,114,6],[62,5,63,6],[65,4,65,5],[65,6,66,6],[81,0,81,7],[84,5,85,6],[86,5,87,6],[89,4,89,5],[89,6,90,6],[105,0,105,7],[108,5,109,6],[110,5,111,6],[180,5,181,6],[129,0,129,7],[132,5,133,6],[134,5,135,6],[137,4,137,5],[137,6,138,6],[153,0,153,7],[156,5,157,6],[158,5,159,6],[161,4,161,5],[161,6,162,6],[177,0,177,7],[233,4,233,5],[233,6,234,6],[182,5,183,6],[185,4,185,5],[185,6,186,6],[201,0,201,7],[204,5,205,6],[206,5,207,6],[209,4,209,5],[209,6,210,6],[225,0,225,7],[228,5,229,6],[230,5,231,6]]}
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[null,null,null,"Kiegészítő biztosításokba bevont biztosítottak száma",0,{"$f":"+'Folyamatos Nyugdíjcélú Életív'!N7","v":1},null,null,null,{"$f":"I31+I55+I79+I103+I127+I151+I175+I199+I223+I247","v":0},"GB752 biztosítottak száma"]
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["1. biztosított"]
[]
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[1,null,null,null,null,{"$f":"IF(OR(A14<MAX(I20:I29),A14>MIN(J20:J29)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I20:I29)&\"-\"&MIN(J20:J29)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E14","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(E15=\"Nem választ\",0,IF(E15=\"Előrelátó\",1,IF(E15=\"Családfenntartó\",2,IF(E15=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(SUM(L20:L29)>0,\"A GB100 és GB105 kiegészítő biztosítások nem köthetők 25 évnél hosszabb tartamra!\",IF(A14+'Folyamatos Nyugdíjcélú Életív'!$AD$8>MIN(K20:K29),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K20:K29)&\" év lehet!\",\"\"))","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor","25 éves tartamtúllépés"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E20:F20)=0,0,INDEX('GB100'!$B$5:$V$52,A14-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E20:F20)/100)*$F$8)","v":0},2,{"$f":"IF(E20+F20>0,18,2)","v":2},{"$f":"IF(E20+F20>0,65,80)","v":80},{"$f":"IF(E20+F20>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E20:F20)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E21=\"Nem\",F21=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A14-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E21=\"Igen\",F21=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E21=\"Igen\",F21=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E21=\"Igen\",F21=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A15=1,A15=2,A15=4),2000,IF(A15=3,3000,0))*E16","v":0},{"$f":"IF(SUM(E22:F22)=0,0,VLOOKUP(A14,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E22:F22)/100)*$F$8)","v":0},4,{"$f":"IF(E22+F22>0,18,2)","v":2},{"$f":"IF(E22+F22>0,60,80)","v":80},{"$f":"IF(E22+F22>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A15=1,A15=2),200000,IF(A15=3,500000,IF(A15=4,400000,0)))*E16","v":0},{"$f":"IF(SUM(E23:F23)=0,0,VLOOKUP(A14,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E23:F23)/100)*$F$8)","v":0},5,{"$f":"IF(E23+F23>0,18,2)","v":2},{"$f":"IF(E23+F23>0,60,80)","v":80},{"$f":"IF(E23+F23>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A15=2,1000,0)*E16","v":0},{"$f":"IF(SUM(E24:F24)=0,0,VLOOKUP(A14,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E24:F24)/100)*$F$8)","v":0},6,{"$f":"IF(E24+F24>0,18,2)","v":2},{"$f":"IF(E24+F24>0,62,80)","v":80},{"$f":"IF(E24+F24>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A15<>0,1000000,0)*E16","v":0},{"$f":"IF(SUM(E25:F25)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A14-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E25:F25)/100)*$F$8)","v":0},7,{"$f":"IF(E25+F25>0,18,2)","v":2},{"$f":"IF(E25+F25>0,65,80)","v":80},{"$f":"IF(E25+F25>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E25:F25)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E26=\"Nem\",F26=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A14-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E26=\"Igen\",F26=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E26=\"Igen\",F26=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E26=\"Igen\",F26=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A15=2,500000,0)*E16","v":0},{"$f":"IF(SUM(E27:F27)=0,0,12/10000*SUM(E27:F27)*$F$8)","v":0},9,{"$f":"IF(E27+F27>0,16,2)","v":2},{"$f":"IF(E27+F27>0,60,80)","v":80},{"$f":"IF(E27+F27>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A15=1,A15=2),1000000,IF(A15=3,2500000,0))*E16","v":0},{"$f":"IF(SUM(E28:F28)=0,0,6/10000*SUM(E28:F28)*$F$8)","v":0},10,2,{"$f":"IF(E28+F28>0,60,80)","v":80},{"$f":"IF(E28+F28>0,65,90)","v":90}]
[null,null,null,"Havi térítés munkanélküliség esetén (GB752)","Nem",0,{"$f":"IF(E29=\"Nem\",0,('Folyamatos Nyugdíjcélú Életív'!$N$35+'Folyamatos Nyugdíjcélú Életív'!$I$8+SUM('Kiegészítők - Foly. Ny. Életív'!$G$20:$G$28)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$44:$G$52)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$68:$G$76)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$92:$G$100)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$116:$G$124)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$140:$G$148)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$164:$G$172)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$188:$G$196)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$212:$G$220)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$236:$G$244))*0.044/(1-0.044*($J$8-1)))","v":0},null,{"$f":"IF(OR(E29=\"Igen\",F29=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E29=\"Igen\",F29=\"Igen\"),60,80)","v":80},{"$f":"IF(OR(E29=\"Igen\",F29=\"Igen\"),65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G20:G29)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G31/IF(G30=0,1,G30)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G30*MIN(5%,IF('Folyamatos Nyugdíjcélú Életív'!$I$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=2,4%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=5,2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=4,3%,0)+IF(SUM($A$15)<>0,5%,0))","v":0},null,{"$f":"+IF(AND(A13<=$E$8,E29=\"Igen\"),1,0)","v":0},"GB752"]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A13>$E$8,0,G30+G31)","v":0}]
[]
["2. biztosított"]
[]
[]
[2,null,null,null,null,{"$f":"IF(OR(A38<MAX(I44:I53),A38>MIN(J44:J53)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I44:I53)&\"-\"&MIN(J44:J53)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E38","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E39=\"Nem választ\",A37>$E$8),0,IF(E39=\"Előrelátó\",1,IF(E39=\"Családfenntartó\",2,IF(E39=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(SUM(L44:L53)>0,\"A GB100 és GB105 kiegészítő biztosítások nem köthetők 25 évnél hosszabb tartamra!\",IF(A38+'Folyamatos Nyugdíjcélú Életív'!$AD$8>MIN(K44:K53),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K44:K53)&\" év lehet!\",\"\"))","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor","25 éves tartamtúllépés"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E44:F44)=0,0,INDEX('GB100'!$B$5:$V$52,A38-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E44:F44)/100)*$F$8)","v":0},2,{"$f":"IF(E44+F44>0,18,2)","v":2},{"$f":"IF(E44+F44>0,65,80)","v":80},{"$f":"IF(E44+F44>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E44:F44)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E45=\"Nem\",F45=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A38-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E45=\"Igen\",F45=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E45=\"Igen\",F45=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E45=\"Igen\",F45=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A39=1,A39=2,A39=4),2000,IF(A39=3,3000,0))*E40","v":0},{"$f":"IF(SUM(E46:F46)=0,0,VLOOKUP(A38,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E46:F46)/100)*$F$8)","v":0},4,{"$f":"IF(E46+F46>0,18,2)","v":2},{"$f":"IF(E46+F46>0,60,80)","v":80},{"$f":"IF(E46+F46>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A39=1,A39=2),200000,IF(A39=3,500000,IF(A39=4,400000,0)))*E40","v":0},{"$f":"IF(SUM(E47:F47)=0,0,VLOOKUP(A38,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E47:F47)/100)*$F$8)","v":0},5,{"$f":"IF(E47+F47>0,18,2)","v":2},{"$f":"IF(E47+F47>0,60,80)","v":80},{"$f":"IF(E47+F47>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A39=2,1000,0)*E40","v":0},{"$f":"IF(SUM(E48:F48)=0,0,VLOOKUP(A38,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E48:F48)/100)*$F$8)","v":0},6,{"$f":"IF(E48+F48>0,18,2)","v":2},{"$f":"IF(E48+F48>0,62,80)","v":80},{"$f":"IF(E48+F48>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A39<>0,1000000,0)*E40","v":0},{"$f":"IF(SUM(E49:F49)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A38-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E49:F49)/100)*$F$8)","v":0},7,{"$f":"IF(E49+F49>0,18,2)","v":2},{"$f":"IF(E49+F49>0,65,80)","v":80},{"$f":"IF(E49+F49>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E49:F49)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E50=\"Nem\",F50=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A38-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E50=\"Igen\",F50=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E50=\"Igen\",F50=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E50=\"Igen\",F50=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A39=2,500000,0)*E40","v":0},{"$f":"IF(SUM(E51:F51)=0,0,12/10000*SUM(E51:F51)*$F$8)","v":0},9,{"$f":"IF(E51+F51>0,16,2)","v":2},{"$f":"IF(E51+F51>0,60,80)","v":80},{"$f":"IF(E51+F51>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A39=1,A39=2),1000000,IF(A39=3,2500000,0))*E40","v":0},{"$f":"IF(SUM(E52:F52)=0,0,6/10000*SUM(E52:F52)*$F$8)","v":0},10,2,{"$f":"IF(E52+F52>0,60,80)","v":80},{"$f":"IF(E52+F52>0,65,90)","v":90}]
[null,null,null,"Havi térítés munkanélküliség esetén (GB752)","Nem",0,{"$f":"IF(E53=\"Nem\",0,('Folyamatos Nyugdíjcélú Életív'!$N$35+'Folyamatos Nyugdíjcélú Életív'!$I$8+SUM('Kiegészítők - Foly. Ny. Életív'!$G$20:$G$28)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$44:$G$52)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$68:$G$76)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$92:$G$100)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$116:$G$124)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$140:$G$148)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$164:$G$172)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$188:$G$196)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$212:$G$220)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$236:$G$244))*0.044/(1-0.044*($J$8-1)))","v":0},null,{"$f":"IF(OR(E53=\"Igen\",F53=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E53=\"Igen\",F53=\"Igen\"),60,80)","v":80},{"$f":"IF(OR(E53=\"Igen\",F53=\"Igen\"),65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G44:G53)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G55/IF(G54=0,1,G54)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G54*MIN(5%,IF('Folyamatos Nyugdíjcélú Életív'!$I$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=2,4%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=5,2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=4,3%,0)+IF(SUM($A$39)<>0,5%,0))","v":0},null,{"$f":"+IF(AND(A37<=$E$8,E53=\"Igen\"),1,0)","v":0},"GB752"]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A37>$E$8,0,G54+G55)","v":0}]
[]
["3. biztosított"]
[]
[]
[3,null,null,null,null,{"$f":"IF(OR(A62<MAX(I68:I77),A62>MIN(J68:J77)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I68:I77)&\"-\"&MIN(J68:J77)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E62","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E63=\"Nem választ\",A61>$E$8),0,IF(E63=\"Előrelátó\",1,IF(E63=\"Családfenntartó\",2,IF(E63=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(SUM(L68:L77)>0,\"A GB100 és GB105 kiegészítő biztosítások nem köthetők 25 évnél hosszabb tartamra!\",IF(A62+'Folyamatos Nyugdíjcélú Életív'!$AD$8>MIN(K68:K77),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K68:K77)&\" év lehet!\",\"\"))","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor","25 éves tartamtúllépés"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E68:F68)=0,0,INDEX('GB100'!$B$5:$V$52,A62-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E68:F68)/100)*$F$8)","v":0},2,{"$f":"IF(E68+F68>0,18,2)","v":2},{"$f":"IF(E68+F68>0,65,80)","v":80},{"$f":"IF(E68+F68>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E68:F68)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E69=\"Nem\",F69=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A62-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E69=\"Igen\",F69=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E69=\"Igen\",F69=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E69=\"Igen\",F69=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A63=1,A63=2,A63=4),2000,IF(A63=3,3000,0))*E64","v":0},{"$f":"IF(SUM(E70:F70)=0,0,VLOOKUP(A62,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E70:F70)/100)*$F$8)","v":0},4,{"$f":"IF(E70+F70>0,18,2)","v":2},{"$f":"IF(E70+F70>0,60,80)","v":80},{"$f":"IF(E70+F70>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A63=1,A63=2),200000,IF(A63=3,500000,IF(A63=4,400000,0)))*E64","v":0},{"$f":"IF(SUM(E71:F71)=0,0,VLOOKUP(A62,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E71:F71)/100)*$F$8)","v":0},5,{"$f":"IF(E71+F71>0,18,2)","v":2},{"$f":"IF(E71+F71>0,60,80)","v":80},{"$f":"IF(E71+F71>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A63=2,1000,0)*E64","v":0},{"$f":"IF(SUM(E72:F72)=0,0,VLOOKUP(A62,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E72:F72)/100)*$F$8)","v":0},6,{"$f":"IF(E72+F72>0,18,2)","v":2},{"$f":"IF(E72+F72>0,62,80)","v":80},{"$f":"IF(E72+F72>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A63<>0,1000000,0)*E64","v":0},{"$f":"IF(SUM(E73:F73)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A62-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E73:F73)/100)*$F$8)","v":0},7,{"$f":"IF(E73+F73>0,18,2)","v":2},{"$f":"IF(E73+F73>0,65,80)","v":80},{"$f":"IF(E73+F73>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E73:F73)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E74=\"Nem\",F74=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A62-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E74=\"Igen\",F74=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E74=\"Igen\",F74=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E74=\"Igen\",F74=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A63=2,500000,0)*E64","v":0},{"$f":"IF(SUM(E75:F75)=0,0,12/10000*SUM(E75:F75)*$F$8)","v":0},9,{"$f":"IF(E75+F75>0,16,2)","v":2},{"$f":"IF(E75+F75>0,60,80)","v":80},{"$f":"IF(E75+F75>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A63=1,A63=2),1000000,IF(A63=3,2500000,0))*E64","v":0},{"$f":"IF(SUM(E76:F76)=0,0,6/10000*SUM(E76:F76)*$F$8)","v":0},10,2,{"$f":"IF(E76+F76>0,60,80)","v":80},{"$f":"IF(E76+F76>0,65,90)","v":90}]
[null,null,null,"Havi térítés munkanélküliség esetén (GB752)","Nem",0,{"$f":"IF(E77=\"Nem\",0,('Folyamatos Nyugdíjcélú Életív'!$N$35+'Folyamatos Nyugdíjcélú Életív'!$I$8+SUM('Kiegészítők - Foly. Ny. Életív'!$G$20:$G$28)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$44:$G$52)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$68:$G$76)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$92:$G$100)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$116:$G$124)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$140:$G$148)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$164:$G$172)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$188:$G$196)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$212:$G$220)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$236:$G$244))*0.044/(1-0.044*($J$8-1)))","v":0},null,{"$f":"IF(OR(E77=\"Igen\",F77=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E77=\"Igen\",F77=\"Igen\"),60,80)","v":80},{"$f":"IF(OR(E77=\"Igen\",F77=\"Igen\"),65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G68:G77)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G79/IF(G78=0,1,G78)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G78*MIN(5%,IF('Folyamatos Nyugdíjcélú Életív'!$I$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=2,4%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=5,2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=4,3%,0)+IF(SUM($A$63)<>0,5%,0))","v":0},null,{"$f":"+IF(AND(A61<=$E$8,E77=\"Igen\"),1,0)","v":0},"GB752"]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A61>$E$8,0,G78+G79)","v":0}]
[]
["4. biztosított"]
[]
[]
[4,null,null,null,null,{"$f":"IF(OR(A86<MAX(I92:I101),A86>MIN(J92:J101)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I92:I101)&\"-\"&MIN(J92:J101)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E86","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E87=\"Nem választ\",A85>$E$8),0,IF(E87=\"Előrelátó\",1,IF(E87=\"Családfenntartó\",2,IF(E87=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(SUM(L92:L101)>0,\"A GB100 és GB105 kiegészítő biztosítások nem köthetők 25 évnél hosszabb tartamra!\",IF(A86+'Folyamatos Nyugdíjcélú Életív'!$AD$8>MIN(K92:K101),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K92:K101)&\" év lehet!\",\"\"))","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor","25 éves tartamtúllépés"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E92:F92)=0,0,INDEX('GB100'!$B$5:$V$52,A86-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E92:F92)/100)*$F$8)","v":0},2,{"$f":"IF(E92+F92>0,18,2)","v":2},{"$f":"IF(E92+F92>0,65,80)","v":80},{"$f":"IF(E92+F92>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E92:F92)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E93=\"Nem\",F93=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A86-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E93=\"Igen\",F93=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E93=\"Igen\",F93=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E93=\"Igen\",F93=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A87=1,A87=2,A87=4),2000,IF(A87=3,3000,0))*E88","v":0},{"$f":"IF(SUM(E94:F94)=0,0,VLOOKUP(A86,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E94:F94)/100)*$F$8)","v":0},4,{"$f":"IF(E94+F94>0,18,2)","v":2},{"$f":"IF(E94+F94>0,60,80)","v":80},{"$f":"IF(E94+F94>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A87=1,A87=2),200000,IF(A87=3,500000,IF(A87=4,400000,0)))*E88","v":0},{"$f":"IF(SUM(E95:F95)=0,0,VLOOKUP(A86,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E95:F95)/100)*$F$8)","v":0},5,{"$f":"IF(E95+F95>0,18,2)","v":2},{"$f":"IF(E95+F95>0,60,80)","v":80},{"$f":"IF(E95+F95>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A87=2,1000,0)*E88","v":0},{"$f":"IF(SUM(E96:F96)=0,0,VLOOKUP(A86,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E96:F96)/100)*$F$8)","v":0},6,{"$f":"IF(E96+F96>0,18,2)","v":2},{"$f":"IF(E96+F96>0,62,80)","v":80},{"$f":"IF(E96+F96>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A87<>0,1000000,0)*E88","v":0},{"$f":"IF(SUM(E97:F97)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A86-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E97:F97)/100)*$F$8)","v":0},7,{"$f":"IF(E97+F97>0,18,2)","v":2},{"$f":"IF(E97+F97>0,65,80)","v":80},{"$f":"IF(E97+F97>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E97:F97)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E98=\"Nem\",F98=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A86-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E98=\"Igen\",F98=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E98=\"Igen\",F98=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E98=\"Igen\",F98=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A87=2,500000,0)*E88","v":0},{"$f":"IF(SUM(E99:F99)=0,0,12/10000*SUM(E99:F99)*$F$8)","v":0},9,{"$f":"IF(E99+F99>0,16,2)","v":2},{"$f":"IF(E99+F99>0,60,80)","v":80},{"$f":"IF(E99+F99>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A87=1,A87=2),1000000,IF(A87=3,2500000,0))*E88","v":0},{"$f":"IF(SUM(E100:F100)=0,0,6/10000*SUM(E100:F100)*$F$8)","v":0},10,2,{"$f":"IF(E100+F100>0,60,80)","v":80},{"$f":"IF(E100+F100>0,65,90)","v":90}]
[null,null,null,"Havi térítés munkanélküliség esetén (GB752)","Nem",0,{"$f":"IF(E101=\"Nem\",0,('Folyamatos Nyugdíjcélú Életív'!$N$35+'Folyamatos Nyugdíjcélú Életív'!$I$8+SUM('Kiegészítők - Foly. Ny. Életív'!$G$20:$G$28)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$44:$G$52)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$68:$G$76)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$92:$G$100)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$116:$G$124)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$140:$G$148)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$164:$G$172)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$188:$G$196)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$212:$G$220)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$236:$G$244))*0.044/(1-0.044*($J$8-1)))","v":0},null,{"$f":"IF(OR(E101=\"Igen\",F101=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E101=\"Igen\",F101=\"Igen\"),60,80)","v":80},{"$f":"IF(OR(E101=\"Igen\",F101=\"Igen\"),65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G92:G101)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G103/IF(G102=0,1,G102)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G102*MIN(5%,IF('Folyamatos Nyugdíjcélú Életív'!$I$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=2,4%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=5,2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=4,3%,0)+IF(SUM($A$87)<>0,5%,0))","v":0},null,{"$f":"+IF(AND(A85<=$E$8,E101=\"Igen\"),1,0)","v":0},"GB752"]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A85>$E$8,0,G102+G103)","v":0}]
[]
["5. biztosított"]
[]
[]
[5,null,null,null,null,{"$f":"IF(OR(A110<MAX(I116:I125),A110>MIN(J116:J125)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I116:I125)&\"-\"&MIN(J116:J125)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E110","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E111=\"Nem választ\",A109>$E$8),0,IF(E111=\"Előrelátó\",1,IF(E111=\"Családfenntartó\",2,IF(E111=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(SUM(L116:L125)>0,\"A GB100 és GB105 kiegészítő biztosítások nem köthetők 25 évnél hosszabb tartamra!\",IF(A110+'Folyamatos Nyugdíjcélú Életív'!$AD$8>MIN(K116:K125),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K116:K125)&\" év lehet!\",\"\"))","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor","25 éves tartamtúllépés"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E116:F116)=0,0,INDEX('GB100'!$B$5:$V$52,A110-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E116:F116)/100)*$F$8)","v":0},2,{"$f":"IF(E116+F116>0,18,2)","v":2},{"$f":"IF(E116+F116>0,65,80)","v":80},{"$f":"IF(E116+F116>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E116:F116)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E117=\"Nem\",F117=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A110-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E117=\"Igen\",F117=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E117=\"Igen\",F117=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E117=\"Igen\",F117=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A111=1,A111=2,A111=4),2000,IF(A111=3,3000,0))*E112","v":0},{"$f":"IF(SUM(E118:F118)=0,0,VLOOKUP(A110,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E118:F118)/100)*$F$8)","v":0},4,{"$f":"IF(E118+F118>0,18,2)","v":2},{"$f":"IF(E118+F118>0,60,80)","v":80},{"$f":"IF(E118+F118>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A111=1,A111=2),200000,IF(A111=3,500000,IF(A111=4,400000,0)))*E112","v":0},{"$f":"IF(SUM(E119:F119)=0,0,VLOOKUP(A110,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E119:F119)/100)*$F$8)","v":0},5,{"$f":"IF(E119+F119>0,18,2)","v":2},{"$f":"IF(E119+F119>0,60,80)","v":80},{"$f":"IF(E119+F119>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A111=2,1000,0)*E112","v":0},{"$f":"IF(SUM(E120:F120)=0,0,VLOOKUP(A110,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E120:F120)/100)*$F$8)","v":0},6,{"$f":"IF(E120+F120>0,18,2)","v":2},{"$f":"IF(E120+F120>0,62,80)","v":80},{"$f":"IF(E120+F120>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A111<>0,1000000,0)*E112","v":0},{"$f":"IF(SUM(E121:F121)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A110-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E121:F121)/100)*$F$8)","v":0},7,{"$f":"IF(E121+F121>0,18,2)","v":2},{"$f":"IF(E121+F121>0,65,80)","v":80},{"$f":"IF(E121+F121>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E121:F121)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E122=\"Nem\",F122=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A110-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E122=\"Igen\",F122=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E122=\"Igen\",F122=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E122=\"Igen\",F122=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A111=2,500000,0)*E112","v":0},{"$f":"IF(SUM(E123:F123)=0,0,12/10000*SUM(E123:F123)*$F$8)","v":0},9,{"$f":"IF(E123+F123>0,16,2)","v":2},{"$f":"IF(E123+F123>0,60,80)","v":80},{"$f":"IF(E123+F123>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A111=1,A111=2),1000000,IF(A111=3,2500000,0))*E112","v":0},{"$f":"IF(SUM(E124:F124)=0,0,6/10000*SUM(E124:F124)*$F$8)","v":0},10,2,{"$f":"IF(E124+F124>0,60,80)","v":80},{"$f":"IF(E124+F124>0,65,90)","v":90}]
[null,null,null,"Havi térítés munkanélküliség esetén (GB752)","Nem",0,{"$f":"IF(E125=\"Nem\",0,('Folyamatos Nyugdíjcélú Életív'!$N$35+'Folyamatos Nyugdíjcélú Életív'!$I$8+SUM('Kiegészítők - Foly. Ny. Életív'!$G$20:$G$28)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$44:$G$52)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$68:$G$76)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$92:$G$100)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$116:$G$124)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$140:$G$148)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$164:$G$172)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$188:$G$196)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$212:$G$220)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$236:$G$244))*0.044/(1-0.044*($J$8-1)))","v":0},null,{"$f":"IF(OR(E125=\"Igen\",F125=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E125=\"Igen\",F125=\"Igen\"),60,80)","v":80},{"$f":"IF(OR(E125=\"Igen\",F125=\"Igen\"),65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G116:G125)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G127/IF(G126=0,1,G126)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G126*MIN(5%,IF('Folyamatos Nyugdíjcélú Életív'!$I$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=2,4%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=5,2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=4,3%,0)+IF(SUM($A$111)<>0,5%,0))","v":0},null,{"$f":"+IF(AND(A109<=$E$8,E125=\"Igen\"),1,0)","v":0},"GB752"]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A109>$E$8,0,G126+G127)","v":0}]
[]
["6. biztosított"]
[]
[]
[6,null,null,null,null,{"$f":"IF(OR(A134<MAX(I140:I149),A134>MIN(J140:J149)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I140:I149)&\"-\"&MIN(J140:J149)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E134","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E135=\"Nem választ\",A133>$E$8),0,IF(E135=\"Előrelátó\",1,IF(E135=\"Családfenntartó\",2,IF(E135=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(SUM(L140:L149)>0,\"A GB100 és GB105 kiegészítő biztosítások nem köthetők 25 évnél hosszabb tartamra!\",IF(A134+'Folyamatos Nyugdíjcélú Életív'!$AD$8>MIN(K140:K149),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K140:K149)&\" év lehet!\",\"\"))","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor","25 éves tartamtúllépés"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E140:F140)=0,0,INDEX('GB100'!$B$5:$V$52,A134-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E140:F140)/100)*$F$8)","v":0},2,{"$f":"IF(E140+F140>0,18,2)","v":2},{"$f":"IF(E140+F140>0,65,80)","v":80},{"$f":"IF(E140+F140>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E140:F140)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E141=\"Nem\",F141=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A134-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E141=\"Igen\",F141=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E141=\"Igen\",F141=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E141=\"Igen\",F141=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A135=1,A135=2,A135=4),2000,IF(A135=3,3000,0))*E136","v":0},{"$f":"IF(SUM(E142:F142)=0,0,VLOOKUP(A134,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E142:F142)/100)*$F$8)","v":0},4,{"$f":"IF(E142+F142>0,18,2)","v":2},{"$f":"IF(E142+F142>0,60,80)","v":80},{"$f":"IF(E142+F142>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A135=1,A135=2),200000,IF(A135=3,500000,IF(A135=4,400000,0)))*E136","v":0},{"$f":"IF(SUM(E143:F143)=0,0,VLOOKUP(A134,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E143:F143)/100)*$F$8)","v":0},5,{"$f":"IF(E143+F143>0,18,2)","v":2},{"$f":"IF(E143+F143>0,60,80)","v":80},{"$f":"IF(E143+F143>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A135=2,1000,0)*E136","v":0},{"$f":"IF(SUM(E144:F144)=0,0,VLOOKUP(A134,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E144:F144)/100)*$F$8)","v":0},6,{"$f":"IF(E144+F144>0,18,2)","v":2},{"$f":"IF(E144+F144>0,62,80)","v":80},{"$f":"IF(E144+F144>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A135<>0,1000000,0)*E136","v":0},{"$f":"IF(SUM(E145:F145)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A134-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E145:F145)/100)*$F$8)","v":0},7,{"$f":"IF(E145+F145>0,18,2)","v":2},{"$f":"IF(E145+F145>0,65,80)","v":80},{"$f":"IF(E145+F145>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E145:F145)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E146=\"Nem\",F146=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A134-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E146=\"Igen\",F146=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E146=\"Igen\",F146=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E146=\"Igen\",F146=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A135=2,500000,0)*E136","v":0},{"$f":"IF(SUM(E147:F147)=0,0,12/10000*SUM(E147:F147)*$F$8)","v":0},9,{"$f":"IF(E147+F147>0,16,2)","v":2},{"$f":"IF(E147+F147>0,60,80)","v":80},{"$f":"IF(E147+F147>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A135=1,A135=2),1000000,IF(A135=3,2500000,0))*E136","v":0},{"$f":"IF(SUM(E148:F148)=0,0,6/10000*SUM(E148:F148)*$F$8)","v":0},10,2,{"$f":"IF(E148+F148>0,60,80)","v":80},{"$f":"IF(E148+F148>0,65,90)","v":90}]
[null,null,null,"Havi térítés munkanélküliség esetén (GB752)","Nem",0,{"$f":"IF(E149=\"Nem\",0,('Folyamatos Nyugdíjcélú Életív'!$N$35+'Folyamatos Nyugdíjcélú Életív'!$I$8+SUM('Kiegészítők - Foly. Ny. Életív'!$G$20:$G$28)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$44:$G$52)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$68:$G$76)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$92:$G$100)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$116:$G$124)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$140:$G$148)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$164:$G$172)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$188:$G$196)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$212:$G$220)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$236:$G$244))*0.044/(1-0.044*($J$8-1)))","v":0},null,{"$f":"IF(OR(E149=\"Igen\",F149=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E149=\"Igen\",F149=\"Igen\"),60,80)","v":80},{"$f":"IF(OR(E149=\"Igen\",F149=\"Igen\"),65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G140:G149)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G151/IF(G150=0,1,G150)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G150*MIN(5%,IF('Folyamatos Nyugdíjcélú Életív'!$I$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=2,4%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=5,2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=4,3%,0)+IF(SUM($A$135)<>0,5%,0))","v":0},null,{"$f":"+IF(AND(A133<=$E$8,E149=\"Igen\"),1,0)","v":0},"GB752"]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A133>$E$8,0,G150+G151)","v":0}]
[]
["7. biztosított"]
[]
[]
[7,null,null,null,null,{"$f":"IF(OR(A158<MAX(I164:I173),A158>MIN(J164:J173)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I164:I173)&\"-\"&MIN(J164:J173)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E158","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E159=\"Nem választ\",A157>$E$8),0,IF(E159=\"Előrelátó\",1,IF(E159=\"Családfenntartó\",2,IF(E159=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(SUM(L164:L173)>0,\"A GB100 és GB105 kiegészítő biztosítások nem köthetők 25 évnél hosszabb tartamra!\",IF(A158+'Folyamatos Nyugdíjcélú Életív'!$AD$8>MIN(K164:K173),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K164:K173)&\" év lehet!\",\"\"))","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor","25 éves tartamtúllépés"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E164:F164)=0,0,INDEX('GB100'!$B$5:$V$52,A158-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E164:F164)/100)*$F$8)","v":0},2,{"$f":"IF(E164+F164>0,18,2)","v":2},{"$f":"IF(E164+F164>0,65,80)","v":80},{"$f":"IF(E164+F164>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E164:F164)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E165=\"Nem\",F165=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A158-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E165=\"Igen\",F165=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E165=\"Igen\",F165=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E165=\"Igen\",F165=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A159=1,A159=2,A159=4),2000,IF(A159=3,3000,0))*E160","v":0},{"$f":"IF(SUM(E166:F166)=0,0,VLOOKUP(A158,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E166:F166)/100)*$F$8)","v":0},4,{"$f":"IF(E166+F166>0,18,2)","v":2},{"$f":"IF(E166+F166>0,60,80)","v":80},{"$f":"IF(E166+F166>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A159=1,A159=2),200000,IF(A159=3,500000,IF(A159=4,400000,0)))*E160","v":0},{"$f":"IF(SUM(E167:F167)=0,0,VLOOKUP(A158,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E167:F167)/100)*$F$8)","v":0},5,{"$f":"IF(E167+F167>0,18,2)","v":2},{"$f":"IF(E167+F167>0,60,80)","v":80},{"$f":"IF(E167+F167>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A159=2,1000,0)*E160","v":0},{"$f":"IF(SUM(E168:F168)=0,0,VLOOKUP(A158,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E168:F168)/100)*$F$8)","v":0},6,{"$f":"IF(E168+F168>0,18,2)","v":2},{"$f":"IF(E168+F168>0,62,80)","v":80},{"$f":"IF(E168+F168>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A159<>0,1000000,0)*E160","v":0},{"$f":"IF(SUM(E169:F169)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A158-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E169:F169)/100)*$F$8)","v":0},7,{"$f":"IF(E169+F169>0,18,2)","v":2},{"$f":"IF(E169+F169>0,65,80)","v":80},{"$f":"IF(E169+F169>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E169:F169)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E170=\"Nem\",F170=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A158-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E170=\"Igen\",F170=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E170=\"Igen\",F170=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E170=\"Igen\",F170=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A159=2,500000,0)*E160","v":0},{"$f":"IF(SUM(E171:F171)=0,0,12/10000*SUM(E171:F171)*$F$8)","v":0},9,{"$f":"IF(E171+F171>0,16,2)","v":2},{"$f":"IF(E171+F171>0,60,80)","v":80},{"$f":"IF(E171+F171>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A159=1,A159=2),1000000,IF(A159=3,2500000,0))*E160","v":0},{"$f":"IF(SUM(E172:F172)=0,0,6/10000*SUM(E172:F172)*$F$8)","v":0},10,2,{"$f":"IF(E172+F172>0,60,80)","v":80},{"$f":"IF(E172+F172>0,65,90)","v":90}]
[null,null,null,"Havi térítés munkanélküliség esetén (GB752)","Nem",0,{"$f":"IF(E173=\"Nem\",0,('Folyamatos Nyugdíjcélú Életív'!$N$35+'Folyamatos Nyugdíjcélú Életív'!$I$8+SUM('Kiegészítők - Foly. Ny. Életív'!$G$20:$G$28)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$44:$G$52)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$68:$G$76)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$92:$G$100)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$116:$G$124)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$140:$G$148)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$164:$G$172)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$188:$G$196)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$212:$G$220)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$236:$G$244))*0.044/(1-0.044*($J$8-1)))","v":0},null,{"$f":"IF(OR(E173=\"Igen\",F173=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E173=\"Igen\",F173=\"Igen\"),60,80)","v":80},{"$f":"IF(OR(E173=\"Igen\",F173=\"Igen\"),65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G164:G173)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G175/IF(G174=0,1,G174)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G174*MIN(5%,IF('Folyamatos Nyugdíjcélú Életív'!$I$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=2,4%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=5,2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=4,3%,0)+IF(SUM($A$159)<>0,5%,0))","v":0},null,{"$f":"+IF(AND(A157<=$E$8,E173=\"Igen\"),1,0)","v":0},"GB752"]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A157>$E$8,0,G174+G175)","v":0}]
[]
["8. biztosított"]
[]
[]
[8,null,null,null,null,{"$f":"IF(OR(A182<MAX(I188:I197),A182>MIN(J188:J197)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I188:I197)&\"-\"&MIN(J188:J197)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E182","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E183=\"Nem választ\",A181>$E$8),0,IF(E183=\"Előrelátó\",1,IF(E183=\"Családfenntartó\",2,IF(E183=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(SUM(L188:L197)>0,\"A GB100 és GB105 kiegészítő biztosítások nem köthetők 25 évnél hosszabb tartamra!\",IF(A182+'Folyamatos Nyugdíjcélú Életív'!$AD$8>MIN(K188:K197),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K188:K197)&\" év lehet!\",\"\"))","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor","25 éves tartamtúllépés"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E188:F188)=0,0,INDEX('GB100'!$B$5:$V$52,A182-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E188:F188)/100)*$F$8)","v":0},2,{"$f":"IF(E188+F188>0,18,2)","v":2},{"$f":"IF(E188+F188>0,65,80)","v":80},{"$f":"IF(E188+F188>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E188:F188)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E189=\"Nem\",F189=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A182-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E189=\"Igen\",F189=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E189=\"Igen\",F189=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E189=\"Igen\",F189=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A183=1,A183=2,A183=4),2000,IF(A183=3,3000,0))*E184","v":0},{"$f":"IF(SUM(E190:F190)=0,0,VLOOKUP(A182,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E190:F190)/100)*$F$8)","v":0},4,{"$f":"IF(E190+F190>0,18,2)","v":2},{"$f":"IF(E190+F190>0,60,80)","v":80},{"$f":"IF(E190+F190>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A183=1,A183=2),200000,IF(A183=3,500000,IF(A183=4,400000,0)))*E184","v":0},{"$f":"IF(SUM(E191:F191)=0,0,VLOOKUP(A182,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E191:F191)/100)*$F$8)","v":0},5,{"$f":"IF(E191+F191>0,18,2)","v":2},{"$f":"IF(E191+F191>0,60,80)","v":80},{"$f":"IF(E191+F191>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A183=2,1000,0)*E184","v":0},{"$f":"IF(SUM(E192:F192)=0,0,VLOOKUP(A182,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E192:F192)/100)*$F$8)","v":0},6,{"$f":"IF(E192+F192>0,18,2)","v":2},{"$f":"IF(E192+F192>0,62,80)","v":80},{"$f":"IF(E192+F192>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A183<>0,1000000,0)*E184","v":0},{"$f":"IF(SUM(E193:F193)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A182-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E193:F193)/100)*$F$8)","v":0},7,{"$f":"IF(E193+F193>0,18,2)","v":2},{"$f":"IF(E193+F193>0,65,80)","v":80},{"$f":"IF(E193+F193>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E193:F193)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E194=\"Nem\",F194=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A182-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E194=\"Igen\",F194=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E194=\"Igen\",F194=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E194=\"Igen\",F194=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A183=2,500000,0)*E184","v":0},{"$f":"IF(SUM(E195:F195)=0,0,12/10000*SUM(E195:F195)*$F$8)","v":0},9,{"$f":"IF(E195+F195>0,16,2)","v":2},{"$f":"IF(E195+F195>0,60,80)","v":80},{"$f":"IF(E195+F195>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A183=1,A183=2),1000000,IF(A183=3,2500000,0))*E184","v":0},{"$f":"IF(SUM(E196:F196)=0,0,6/10000*SUM(E196:F196)*$F$8)","v":0},10,2,{"$f":"IF(E196+F196>0,60,80)","v":80},{"$f":"IF(E196+F196>0,65,90)","v":90}]
[null,null,null,"Havi térítés munkanélküliség esetén (GB752)","Nem",0,{"$f":"IF(E197=\"Nem\",0,('Folyamatos Nyugdíjcélú Életív'!$N$35+'Folyamatos Nyugdíjcélú Életív'!$I$8+SUM('Kiegészítők - Foly. Ny. Életív'!$G$20:$G$28)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$44:$G$52)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$68:$G$76)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$92:$G$100)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$116:$G$124)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$140:$G$148)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$164:$G$172)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$188:$G$196)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$212:$G$220)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$236:$G$244))*0.044/(1-0.044*($J$8-1)))","v":0},null,{"$f":"IF(OR(E197=\"Igen\",F197=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E197=\"Igen\",F197=\"Igen\"),60,80)","v":80},{"$f":"IF(OR(E197=\"Igen\",F197=\"Igen\"),65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G188:G197)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G199/IF(G198=0,1,G198)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G198*MIN(5%,IF('Folyamatos Nyugdíjcélú Életív'!$I$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=2,4%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=5,2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=4,3%,0)+IF(SUM($A$183)<>0,5%,0))","v":0},null,{"$f":"+IF(AND(A181<=$E$8,E197=\"Igen\"),1,0)","v":0},"GB752"]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A181>$E$8,0,G198+G199)","v":0}]
[]
["9. biztosított"]
[]
[]
[9,null,null,null,null,{"$f":"IF(OR(A206<MAX(I212:I221),A206>MIN(J212:J221)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I212:I221)&\"-\"&MIN(J212:J221)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E206","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E207=\"Nem választ\",A205>$E$8),0,IF(E207=\"Előrelátó\",1,IF(E207=\"Családfenntartó\",2,IF(E207=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(SUM(L212:L221)>0,\"A GB100 és GB105 kiegészítő biztosítások nem köthetők 25 évnél hosszabb tartamra!\",IF(A206+'Folyamatos Nyugdíjcélú Életív'!$AD$8>MIN(K212:K221),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K212:K221)&\" év lehet!\",\"\"))","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor","25 éves tartamtúllépés"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E212:F212)=0,0,INDEX('GB100'!$B$5:$V$52,A206-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E212:F212)/100)*$F$8)","v":0},2,{"$f":"IF(E212+F212>0,18,2)","v":2},{"$f":"IF(E212+F212>0,65,80)","v":80},{"$f":"IF(E212+F212>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E212:F212)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E213=\"Nem\",F213=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A206-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E213=\"Igen\",F213=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E213=\"Igen\",F213=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E213=\"Igen\",F213=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A207=1,A207=2,A207=4),2000,IF(A207=3,3000,0))*E208","v":0},{"$f":"IF(SUM(E214:F214)=0,0,VLOOKUP(A206,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E214:F214)/100)*$F$8)","v":0},4,{"$f":"IF(E214+F214>0,18,2)","v":2},{"$f":"IF(E214+F214>0,60,80)","v":80},{"$f":"IF(E214+F214>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A207=1,A207=2),200000,IF(A207=3,500000,IF(A207=4,400000,0)))*E208","v":0},{"$f":"IF(SUM(E215:F215)=0,0,VLOOKUP(A206,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E215:F215)/100)*$F$8)","v":0},5,{"$f":"IF(E215+F215>0,18,2)","v":2},{"$f":"IF(E215+F215>0,60,80)","v":80},{"$f":"IF(E215+F215>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A207=2,1000,0)*E208","v":0},{"$f":"IF(SUM(E216:F216)=0,0,VLOOKUP(A206,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E216:F216)/100)*$F$8)","v":0},6,{"$f":"IF(E216+F216>0,18,2)","v":2},{"$f":"IF(E216+F216>0,62,80)","v":80},{"$f":"IF(E216+F216>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A207<>0,1000000,0)*E208","v":0},{"$f":"IF(SUM(E217:F217)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A206-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E217:F217)/100)*$F$8)","v":0},7,{"$f":"IF(E217+F217>0,18,2)","v":2},{"$f":"IF(E217+F217>0,65,80)","v":80},{"$f":"IF(E217+F217>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E217:F217)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E218=\"Nem\",F218=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A206-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E218=\"Igen\",F218=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E218=\"Igen\",F218=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E218=\"Igen\",F218=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A207=2,500000,0)*E208","v":0},{"$f":"IF(SUM(E219:F219)=0,0,12/10000*SUM(E219:F219)*$F$8)","v":0},9,{"$f":"IF(E219+F219>0,16,2)","v":2},{"$f":"IF(E219+F219>0,60,80)","v":80},{"$f":"IF(E219+F219>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A207=1,A207=2),1000000,IF(A207=3,2500000,0))*E208","v":0},{"$f":"IF(SUM(E220:F220)=0,0,6/10000*SUM(E220:F220)*$F$8)","v":0},10,2,{"$f":"IF(E220+F220>0,60,80)","v":80},{"$f":"IF(E220+F220>0,65,90)","v":90}]
[null,null,null,"Havi térítés munkanélküliség esetén (GB752)","Nem",0,{"$f":"IF(E221=\"Nem\",0,('Folyamatos Nyugdíjcélú Életív'!$N$35+'Folyamatos Nyugdíjcélú Életív'!$I$8+SUM('Kiegészítők - Foly. Ny. Életív'!$G$20:$G$28)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$44:$G$52)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$68:$G$76)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$92:$G$100)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$116:$G$124)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$140:$G$148)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$164:$G$172)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$188:$G$196)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$212:$G$220)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$236:$G$244))*0.044/(1-0.044*($J$8-1)))","v":0},null,{"$f":"IF(OR(E221=\"Igen\",F221=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E221=\"Igen\",F221=\"Igen\"),60,80)","v":80},{"$f":"IF(OR(E221=\"Igen\",F221=\"Igen\"),65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G212:G221)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G223/IF(G222=0,1,G222)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G222*MIN(5%,IF('Folyamatos Nyugdíjcélú Életív'!$I$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=2,4%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=5,2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=4,3%,0)+IF(SUM($A$207)<>0,5%,0))","v":0},null,{"$f":"+IF(AND(A205<=$E$8,E221=\"Igen\"),1,0)","v":0},"GB752"]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A205>$E$8,0,G222+G223)","v":0}]
[]
["10. biztosított"]
[]
[]
[10,null,null,null,null,{"$f":"IF(OR(A230<MAX(I236:I245),A230>MIN(J236:J245)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I236:I245)&\"-\"&MIN(J236:J245)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E230","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E231=\"Nem választ\",A229>$E$8),0,IF(E231=\"Előrelátó\",1,IF(E231=\"Családfenntartó\",2,IF(E231=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(SUM(L236:L245)>0,\"A GB100 és GB105 kiegészítő biztosítások nem köthetők 25 évnél hosszabb tartamra!\",IF(A230+'Folyamatos Nyugdíjcélú Életív'!$AD$8>MIN(K236:K245),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K236:K245)&\" év lehet!\",\"\"))","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor","25 éves tartamtúllépés"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E236:F236)=0,0,INDEX('GB100'!$B$5:$V$52,A230-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E236:F236)/100)*$F$8)","v":0},2,{"$f":"IF(E236+F236>0,18,2)","v":2},{"$f":"IF(E236+F236>0,65,80)","v":80},{"$f":"IF(E236+F236>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E236:F236)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E237=\"Nem\",F237=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A230-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E237=\"Igen\",F237=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E237=\"Igen\",F237=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E237=\"Igen\",F237=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A231=1,A231=2,A231=4),2000,IF(A231=3,3000,0))*E232","v":0},{"$f":"IF(SUM(E238:F238)=0,0,VLOOKUP(A230,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E238:F238)/100)*$F$8)","v":0},4,{"$f":"IF(E238+F238>0,18,2)","v":2},{"$f":"IF(E238+F238>0,60,80)","v":80},{"$f":"IF(E238+F238>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A231=1,A231=2),200000,IF(A231=3,500000,IF(A231=4,400000,0)))*E232","v":0},{"$f":"IF(SUM(E239:F239)=0,0,VLOOKUP(A230,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E239:F239)/100)*$F$8)","v":0},5,{"$f":"IF(E239+F239>0,18,2)","v":2},{"$f":"IF(E239+F239>0,60,80)","v":80},{"$f":"IF(E239+F239>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A231=2,1000,0)*E232","v":0},{"$f":"IF(SUM(E240:F240)=0,0,VLOOKUP(A230,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E240:F240)/100)*$F$8)","v":0},6,{"$f":"IF(E240+F240>0,18,2)","v":2},{"$f":"IF(E240+F240>0,62,80)","v":80},{"$f":"IF(E240+F240>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A231<>0,1000000,0)*E232","v":0},{"$f":"IF(SUM(E241:F241)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A230-17,'Folyamatos Nyugdíjcélú Életív'!$AD$8-4)*(SUM(E241:F241)/100)*$F$8)","v":0},7,{"$f":"IF(E241+F241>0,18,2)","v":2},{"$f":"IF(E241+F241>0,65,80)","v":80},{"$f":"IF(E241+F241>0,75,90)","v":90},{"$f":"+IF(AND(SUM(E241:F241)>0,'Folyamatos Nyugdíjcélú Életív'!$AD$8>25),1,0)","v":0}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E242=\"Nem\",F242=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A230-17,'Folyamatos Nyugdíjcélú Életív'!$AA$8-4)*'Folyamatos Nyugdíjcélú Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E242=\"Igen\",F242=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E242=\"Igen\",F242=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E242=\"Igen\",F242=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A231=2,500000,0)*E232","v":0},{"$f":"IF(SUM(E243:F243)=0,0,12/10000*SUM(E243:F243)*$F$8)","v":0},9,{"$f":"IF(E243+F243>0,16,2)","v":2},{"$f":"IF(E243+F243>0,60,80)","v":80},{"$f":"IF(E243+F243>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A231=1,A231=2),1000000,IF(A231=3,2500000,0))*E232","v":0},{"$f":"IF(SUM(E244:F244)=0,0,6/10000*SUM(E244:F244)*$F$8)","v":0},10,2,{"$f":"IF(E244+F244>0,60,80)","v":80},{"$f":"IF(E244+F244>0,65,90)","v":90}]
[null,null,null,"Havi térítés munkanélküliség esetén (GB752)","Nem",0,{"$f":"IF(E245=\"Nem\",0,('Folyamatos Nyugdíjcélú Életív'!$N$35+'Folyamatos Nyugdíjcélú Életív'!$I$8+SUM('Kiegészítők - Foly. Ny. Életív'!$G$20:$G$28)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$44:$G$52)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$68:$G$76)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$92:$G$100)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$116:$G$124)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$140:$G$148)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$164:$G$172)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$188:$G$196)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$212:$G$220)+SUM('Kiegészítők - Foly. Ny. Életív'!$G$236:$G$244))*0.044/(1-0.044*($J$8-1)))","v":0},null,{"$f":"IF(OR(E245=\"Igen\",F245=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E245=\"Igen\",F245=\"Igen\"),60,80)","v":80},{"$f":"IF(OR(E245=\"Igen\",F245=\"Igen\"),65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G236:G245)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G247/IF(G246=0,1,G246)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G246*MIN(5%,IF('Folyamatos Nyugdíjcélú Életív'!$I$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=2,4%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=5,2%,0)+IF('Folyamatos Nyugdíjcélú Életív'!$M$7=4,3%,0)+IF(SUM($A$231)<>0,5%,0))","v":0},null,{"$f":"+IF(AND(A229<=$E$8,E245=\"Igen\"),1,0)","v":0},"GB752"]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A229>$E$8,0,G246+G247)","v":0}]

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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Célértékhez"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AD34-Nyugdíjprogram!AB44","v":0}]
[]
[null,null,"Szerződés alapadatai"]
[]
[null,null,null,null,null,null,null,null,null,"Befektetendő egyszeri díj",1000000,null,null,null,null,null,{"$f":"IF(K7<200000,0,1)","v":1},null,null,null,null,null,null,null,null,"Tartam",10]
[]
[]
[]
[]
[]
[null,null,"Befektetés alapadatai",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Merész","Merész modellportfólió",null,null,0.25,"Ázsia Részvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Dinamikus"," ",null,null,0.25,"Közép-Európai Részvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kiegyensúlyozott"," ",null,null,0.2,"Eurózóna Fenntartható Fejlődés Részvény Forint"]
[null,null,null,{"$f":"IF(Q31<>1,\"Kérem, válasszon befektetési hátteret az egyszeri díj befektetéséhez!\",\"\")","v":"Kérem, válasszon befektetési hátteret az egyszeri díj befektetéséhez!"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Megfontolt"," ",null,null,0.15,"Természeti Kincsek Árupiaci Forint"]
[null,null,null,"Modellportfólió",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Óvatos"," ",null,null,0.15,"Magyar Állampapír Kötvény Forint"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ázsia Részvény Forint","Dinamikus modellportfólió",null,null,0.25,"Eurózóna Fejlett Piaci Részvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Eurózóna Fejlett Piaci Részvény Forint"," ",null,null,0.2,"Közép-Európai Részvény Forint"]
[null,null,null,"Választott eszközalapok",null,null,null,null,null,null,null,null,null,null,null,null,"Arány",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Eurózóna Fenntartható Fejlődés Részvény Forint"," ",null,null,0.15,"Ázsia Részvény Forint"]
[null,null,"1)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fejlődő Piaci Kötvény Forint"," ",null,null,0.25,"Fejlődő Piaci Kötvény Forint"]
[null,null,"2)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Közép-Európai Részvény Forint"," ",null,null,0.15,"Magyar Állampapír Kötvény Forint"]
[null,null,"3)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Közép-Európai Rövid Kötvény Forint"," "]
[null,null,"4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Magyar Állampapír Kötvény Forint","Kiegyensúlyozott modellportfólió",null,null,0.2,"Eurózóna Fenntartható Fejlődés Részvény Forint"]
[null,null,"5)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pénzpiaci Forint"," ",null,null,0.1,"Közép-Európai Részvény Forint"]
[null,null,"6)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Természeti Kincsek Árupiaci Forint"," ",null,null,0.15,"Természeti Kincsek Árupiaci Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," ",null,null,0.3,"Közép-Európai Rövid Kötvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.25,"Magyar Állampapír Kötvény Forint"]
[]
[1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,{"$f":"+SUM(Q22:R27)","v":0},null,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,null,null,null,null,null,null,null,"Megfontolt modellportfólió",null,null,0.15,"Közép-Európai Részvény Forint"]
[null,null,"Díjadatok és prognosztizált befektetési eredmény",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.15,"Természeti Kincsek Árupiaci Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.3,"Fejlődő Piaci Kötvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Befektetendő egyszeri díj",{"$f":"+K7","v":1000000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Becsült lejárati szolgáltatás",{"$f":"IF(Q31<1,0,VLOOKUP($AA$7,'Egyszeri modell'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Egyszeri modell (2)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Egyszeri modell (3)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Egyszeri modell (4)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Egyszeri modell (5)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AA$7,'Egyszeri modell (6)'!$J$2:$M$46,2,FALSE))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.2,"Közép-Európai Rövid Kötvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Kiegészítő biztosítások díja",{"$f":"'Kiegészítők - Egy. Ny. Életív'!G18+'Kiegészítők - Egy. Ny. Életív'!G28+'Kiegészítők - Egy. Ny. Életív'!G38+'Kiegészítők - Egy. Ny. Életív'!G48+'Kiegészítők - Egy. Ny. Életív'!G58+'Kiegészítők - Egy. Ny. Életív'!G68+'Kiegészítők - Egy. Ny. Életív'!G78+'Kiegészítők - Egy. Ny. Életív'!G88+'Kiegészítők - Egy. Ny. Életív'!G98+'Kiegészítők - Egy. Ny. Életív'!G108","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.2,"Pénzpiaci Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Becsült többleteredmény (érték)",{"$f":"IF(Q31<1,0,AD34-N34)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Fizetendő egyszeri díj",{"$f":"SUM(N34:N35)","v":1000000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Becsült többleteredmény (százalék)",{"$f":"IF(Q31<1,0,AD34/N34-1)","v":0},null,null,null,null,null,null,null,null,null,null,null,"Óvatos modellportfólió",null,null,0.1,"Eurózóna Fejlett Piaci Részvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.25,"Közép-Európai Rövid Kötvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.15,"Fejlődő Piaci Kötvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.1,"Magyar Állampapír Kötvény Forint"]
[null,"A megadott adatok becsült hozamokon alapulnak, a jelzett összegekre a Groupama Garancia Biztosító Zrt. nem vállal garanciát!",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.4,"Pénzpiaci Forint"]
[null,null,"Eredmény részletei"]
[]
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[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
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[null,null,null,"Kiegészítő biztosításokba bevont biztosítottak száma",0,{"$f":"+IF('Folyamatos Életív'!Q7=2,12,IF('Folyamatos Életív'!Q7=3,1,IF('Folyamatos Életív'!Q7=4,6,3)))","v":1}]
[]
["1. biztosított"]
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[{"$f":"YEAR(TODAY())-E14","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(E15=\"Nem választ\",0,IF(E15=\"Előrelátó\",1,IF(E15=\"Családfenntartó\",2,IF(E15=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(A14+'Folyamatos Életív'!$AA$8>MIN(K20:K28),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K20:K28)&\" év lehet!\",\"\")","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E20:F20)=0,0,INDEX('GB100'!$B$5:$V$52,A14-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E20:F20)/100)*$F$8)","v":0},2,{"$f":"IF(E20+F20>0,18,2)","v":2},{"$f":"IF(E20+F20>0,65,80)","v":80},{"$f":"IF(E20+F20>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E21=\"Nem\",F21=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A14-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E21=\"Igen\",F21=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E21=\"Igen\",F21=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E21=\"Igen\",F21=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A15=1,A15=2,A15=4),2000,IF(A15=3,3000,0))*E16","v":0},{"$f":"IF(SUM(E22:F22)=0,0,VLOOKUP(A14,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E22:F22)/100)*$F$8)","v":0},4,{"$f":"IF(E22+F22>0,18,2)","v":2},{"$f":"IF(E22+F22>0,60,80)","v":80},{"$f":"IF(E22+F22>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A15=1,A15=2),200000,IF(A15=3,500000,IF(A15=4,400000,0)))*E16","v":0},{"$f":"IF(SUM(E23:F23)=0,0,VLOOKUP(A14,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E23:F23)/100)*$F$8)","v":0},5,{"$f":"IF(E23+F23>0,18,2)","v":2},{"$f":"IF(E23+F23>0,60,80)","v":80},{"$f":"IF(E23+F23>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A15=2,1000,0)*E16","v":0},{"$f":"IF(SUM(E24:F24)=0,0,VLOOKUP(A14,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E24:F24)/100)*$F$8)","v":0},6,{"$f":"IF(E24+F24>0,18,2)","v":2},{"$f":"IF(E24+F24>0,62,80)","v":80},{"$f":"IF(E24+F24>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A15<>0,1000000,0)*E16","v":0},{"$f":"IF(SUM(E25:F25)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A14-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E25:F25)/100)*$F$8)","v":0},7,{"$f":"IF(E25+F25>0,18,2)","v":2},{"$f":"IF(E25+F25>0,65,80)","v":80},{"$f":"IF(E25+F25>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E26=\"Nem\",F26=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A14-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E26=\"Igen\",F26=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E26=\"Igen\",F26=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E26=\"Igen\",F26=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A15=2,500000,0)*E16","v":0},{"$f":"IF(SUM(E27:F27)=0,0,12/10000*SUM(E27:F27)*$F$8)","v":0},9,{"$f":"IF(E27+F27>0,16,2)","v":2},{"$f":"IF(E27+F27>0,60,80)","v":80},{"$f":"IF(E27+F27>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A15=1,A15=2),1000000,IF(A15=3,2500000,0))*E16","v":0},{"$f":"IF(SUM(E28:F28)=0,0,6/10000*SUM(E28:F28)*$F$8)","v":0},10,2,{"$f":"IF(E28+F28>0,60,80)","v":80},{"$f":"IF(E28+F28>0,65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G20:G28)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G30/IF(G29=0,1,G29)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G29*MIN(5%,IF('Folyamatos Életív'!$K$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Életív'!$Q$7=2,4%,0)+IF('Folyamatos Életív'!$Q$7=5,2%,0)+IF('Folyamatos Életív'!$Q$7=4,3%,0)+IF(SUM($A$15)<>0,5%,0))","v":0}]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A13>$E$8,0,G29+G30)","v":0}]
[]
["2. biztosított"]
[]
[]
[2,null,null,null,null,{"$f":"IF(OR(A37<MAX(I43:I51),A37>MIN(J43:J51)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I43:I51)&\"-\"&MIN(J43:J51)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E37","v":49},null,null,"Biztosított születési éve",1965]
[{"$f":"+IF(OR(E38=\"Nem választ\",A36>$E$8),0,IF(E38=\"Előrelátó\",1,IF(E38=\"Családfenntartó\",2,IF(E38=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(A37+'Folyamatos Életív'!$AA$8>MIN(K43:K51),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K43:K51)&\" év lehet!\",\"\")","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E43:F43)=0,0,INDEX('GB100'!$B$5:$V$52,A37-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E43:F43)/100)*$F$8)","v":0},2,{"$f":"IF(E43+F43>0,18,2)","v":2},{"$f":"IF(E43+F43>0,65,80)","v":80},{"$f":"IF(E43+F43>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Igen","Nem",{"$f":"IF(AND(E44=\"Nem\",F44=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A37-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":1365},3,{"$f":"IF(OR(E44=\"Igen\",F44=\"Igen\"),18,2)","v":18},{"$f":"IF(OR(E44=\"Igen\",F44=\"Igen\"),65,80)","v":65},{"$f":"IF(OR(E44=\"Igen\",F44=\"Igen\"),75,90)","v":75}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A38=1,A38=2,A38=4),2000,IF(A38=3,3000,0))*E39","v":0},{"$f":"IF(SUM(E45:F45)=0,0,VLOOKUP(A37,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E45:F45)/100)*$F$8)","v":0},4,{"$f":"IF(E45+F45>0,18,2)","v":2},{"$f":"IF(E45+F45>0,60,80)","v":80},{"$f":"IF(E45+F45>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A38=1,A38=2),200000,IF(A38=3,500000,IF(A38=4,400000,0)))*E39","v":0},{"$f":"IF(SUM(E46:F46)=0,0,VLOOKUP(A37,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E46:F46)/100)*$F$8)","v":0},5,{"$f":"IF(E46+F46>0,18,2)","v":2},{"$f":"IF(E46+F46>0,60,80)","v":80},{"$f":"IF(E46+F46>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A38=2,1000,0)*E39","v":0},{"$f":"IF(SUM(E47:F47)=0,0,VLOOKUP(A37,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E47:F47)/100)*$F$8)","v":0},6,{"$f":"IF(E47+F47>0,18,2)","v":2},{"$f":"IF(E47+F47>0,62,80)","v":80},{"$f":"IF(E47+F47>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A38<>0,1000000,0)*E39","v":0},{"$f":"IF(SUM(E48:F48)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A37-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E48:F48)/100)*$F$8)","v":0},7,{"$f":"IF(E48+F48>0,18,2)","v":2},{"$f":"IF(E48+F48>0,65,80)","v":80},{"$f":"IF(E48+F48>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E49=\"Nem\",F49=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A37-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E49=\"Igen\",F49=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E49=\"Igen\",F49=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E49=\"Igen\",F49=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A38=2,500000,0)*E39","v":0},{"$f":"IF(SUM(E50:F50)=0,0,12/10000*SUM(E50:F50)*$F$8)","v":0},9,{"$f":"IF(E50+F50>0,16,2)","v":2},{"$f":"IF(E50+F50>0,60,80)","v":80},{"$f":"IF(E50+F50>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A38=1,A38=2),1000000,IF(A38=3,2500000,0))*E39","v":0},{"$f":"IF(SUM(E51:F51)=0,0,6/10000*SUM(E51:F51)*$F$8)","v":0},10,2,{"$f":"IF(E51+F51>0,60,80)","v":80},{"$f":"IF(E51+F51>0,65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G43:G51)","v":1365}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G53/IF(G52=0,1,G52)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (2%)"},null,null,{"$f":"-G52*MIN(5%,IF('Folyamatos Életív'!$K$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Életív'!$Q$7=2,4%,0)+IF('Folyamatos Életív'!$Q$7=5,2%,0)+IF('Folyamatos Életív'!$Q$7=4,3%,0)+IF(SUM($A$38)<>0,5%,0))","v":-27.3}]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A36>$E$8,0,G52+G53)","v":0}]
[]
["3. biztosított"]
[]
[]
[3,null,null,null,null,{"$f":"IF(OR(A60<MAX(I66:I74),A60>MIN(J66:J74)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I66:I74)&\"-\"&MIN(J66:J74)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E60","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E61=\"Nem választ\",A59>$E$8),0,IF(E61=\"Előrelátó\",1,IF(E61=\"Családfenntartó\",2,IF(E61=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(A60+'Folyamatos Életív'!$AA$8>MIN(K66:K74),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K66:K74)&\" év lehet!\",\"\")","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E66:F66)=0,0,INDEX('GB100'!$B$5:$V$52,A60-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E66:F66)/100)*$F$8)","v":0},2,{"$f":"IF(E66+F66>0,18,2)","v":2},{"$f":"IF(E66+F66>0,65,80)","v":80},{"$f":"IF(E66+F66>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E67=\"Nem\",F67=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A60-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E67=\"Igen\",F67=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E67=\"Igen\",F67=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E67=\"Igen\",F67=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A61=1,A61=2,A61=4),2000,IF(A61=3,3000,0))*E62","v":0},{"$f":"IF(SUM(E68:F68)=0,0,VLOOKUP(A60,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E68:F68)/100)*$F$8)","v":0},4,{"$f":"IF(E68+F68>0,18,2)","v":2},{"$f":"IF(E68+F68>0,60,80)","v":80},{"$f":"IF(E68+F68>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A61=1,A61=2),200000,IF(A61=3,500000,IF(A61=4,400000,0)))*E62","v":0},{"$f":"IF(SUM(E69:F69)=0,0,VLOOKUP(A60,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E69:F69)/100)*$F$8)","v":0},5,{"$f":"IF(E69+F69>0,18,2)","v":2},{"$f":"IF(E69+F69>0,60,80)","v":80},{"$f":"IF(E69+F69>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A61=2,1000,0)*E62","v":0},{"$f":"IF(SUM(E70:F70)=0,0,VLOOKUP(A60,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E70:F70)/100)*$F$8)","v":0},6,{"$f":"IF(E70+F70>0,18,2)","v":2},{"$f":"IF(E70+F70>0,62,80)","v":80},{"$f":"IF(E70+F70>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A61<>0,1000000,0)*E62","v":0},{"$f":"IF(SUM(E71:F71)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A60-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E71:F71)/100)*$F$8)","v":0},7,{"$f":"IF(E71+F71>0,18,2)","v":2},{"$f":"IF(E71+F71>0,65,80)","v":80},{"$f":"IF(E71+F71>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E72=\"Nem\",F72=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A60-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E72=\"Igen\",F72=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E72=\"Igen\",F72=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E72=\"Igen\",F72=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A61=2,500000,0)*E62","v":0},{"$f":"IF(SUM(E73:F73)=0,0,12/10000*SUM(E73:F73)*$F$8)","v":0},9,{"$f":"IF(E73+F73>0,16,2)","v":2},{"$f":"IF(E73+F73>0,60,80)","v":80},{"$f":"IF(E73+F73>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A61=1,A61=2),1000000,IF(A61=3,2500000,0))*E62","v":0},{"$f":"IF(SUM(E74:F74)=0,0,6/10000*SUM(E74:F74)*$F$8)","v":0},10,2,{"$f":"IF(E74+F74>0,60,80)","v":80},{"$f":"IF(E74+F74>0,65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G66:G74)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G76/IF(G75=0,1,G75)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G75*MIN(5%,IF('Folyamatos Életív'!$K$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Életív'!$Q$7=2,4%,0)+IF('Folyamatos Életív'!$Q$7=5,2%,0)+IF('Folyamatos Életív'!$Q$7=4,3%,0)+IF(SUM($A$61)<>0,5%,0))","v":0}]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A59>$E$8,0,G75+G76)","v":0}]
[]
["4. biztosított"]
[]
[]
[4,null,null,null,null,{"$f":"IF(OR(A83<MAX(I89:I97),A83>MIN(J89:J97)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I89:I97)&\"-\"&MIN(J89:J97)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E83","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E84=\"Nem választ\",A82>$E$8),0,IF(E84=\"Előrelátó\",1,IF(E84=\"Családfenntartó\",2,IF(E84=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(A83+'Folyamatos Életív'!$AA$8>MIN(K89:K97),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K89:K97)&\" év lehet!\",\"\")","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E89:F89)=0,0,INDEX('GB100'!$B$5:$V$52,A83-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E89:F89)/100)*$F$8)","v":0},2,{"$f":"IF(E89+F89>0,18,2)","v":2},{"$f":"IF(E89+F89>0,65,80)","v":80},{"$f":"IF(E89+F89>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E90=\"Nem\",F90=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A83-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E90=\"Igen\",F90=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E90=\"Igen\",F90=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E90=\"Igen\",F90=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A84=1,A84=2,A84=4),2000,IF(A84=3,3000,0))*E85","v":0},{"$f":"IF(SUM(E91:F91)=0,0,VLOOKUP(A83,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E91:F91)/100)*$F$8)","v":0},4,{"$f":"IF(E91+F91>0,18,2)","v":2},{"$f":"IF(E91+F91>0,60,80)","v":80},{"$f":"IF(E91+F91>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A84=1,A84=2),200000,IF(A84=3,500000,IF(A84=4,400000,0)))*E85","v":0},{"$f":"IF(SUM(E92:F92)=0,0,VLOOKUP(A83,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E92:F92)/100)*$F$8)","v":0},5,{"$f":"IF(E92+F92>0,18,2)","v":2},{"$f":"IF(E92+F92>0,60,80)","v":80},{"$f":"IF(E92+F92>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A84=2,1000,0)*E85","v":0},{"$f":"IF(SUM(E93:F93)=0,0,VLOOKUP(A83,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E93:F93)/100)*$F$8)","v":0},6,{"$f":"IF(E93+F93>0,18,2)","v":2},{"$f":"IF(E93+F93>0,62,80)","v":80},{"$f":"IF(E93+F93>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A84<>0,1000000,0)*E85","v":0},{"$f":"IF(SUM(E94:F94)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A83-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E94:F94)/100)*$F$8)","v":0},7,{"$f":"IF(E94+F94>0,18,2)","v":2},{"$f":"IF(E94+F94>0,65,80)","v":80},{"$f":"IF(E94+F94>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E95=\"Nem\",F95=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A83-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E95=\"Igen\",F95=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E95=\"Igen\",F95=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E95=\"Igen\",F95=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A84=2,500000,0)*E85","v":0},{"$f":"IF(SUM(E96:F96)=0,0,12/10000*SUM(E96:F96)*$F$8)","v":0},9,{"$f":"IF(E96+F96>0,16,2)","v":2},{"$f":"IF(E96+F96>0,60,80)","v":80},{"$f":"IF(E96+F96>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A84=1,A84=2),1000000,IF(A84=3,2500000,0))*E85","v":0},{"$f":"IF(SUM(E97:F97)=0,0,6/10000*SUM(E97:F97)*$F$8)","v":0},10,2,{"$f":"IF(E97+F97>0,60,80)","v":80},{"$f":"IF(E97+F97>0,65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G89:G97)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G99/IF(G98=0,1,G98)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G98*MIN(5%,IF('Folyamatos Életív'!$K$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Életív'!$Q$7=2,4%,0)+IF('Folyamatos Életív'!$Q$7=5,2%,0)+IF('Folyamatos Életív'!$Q$7=4,3%,0)+IF(SUM($A$84)<>0,5%,0))","v":0}]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A82>$E$8,0,G98+G99)","v":0}]
[]
["5. biztosított"]
[]
[]
[5,null,null,null,null,{"$f":"IF(OR(A106<MAX(I112:I120),A106>MIN(J112:J120)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I112:I120)&\"-\"&MIN(J112:J120)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E106","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E107=\"Nem választ\",A105>$E$8),0,IF(E107=\"Előrelátó\",1,IF(E107=\"Családfenntartó\",2,IF(E107=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(A106+'Folyamatos Életív'!$AA$8>MIN(K112:K120),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K112:K120)&\" év lehet!\",\"\")","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E112:F112)=0,0,INDEX('GB100'!$B$5:$V$52,A106-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E112:F112)/100)*$F$8)","v":0},2,{"$f":"IF(E112+F112>0,18,2)","v":2},{"$f":"IF(E112+F112>0,65,80)","v":80},{"$f":"IF(E112+F112>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E113=\"Nem\",F113=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A106-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E113=\"Igen\",F113=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E113=\"Igen\",F113=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E113=\"Igen\",F113=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A107=1,A107=2,A107=4),2000,IF(A107=3,3000,0))*E108","v":0},{"$f":"IF(SUM(E114:F114)=0,0,VLOOKUP(A106,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E114:F114)/100)*$F$8)","v":0},4,{"$f":"IF(E114+F114>0,18,2)","v":2},{"$f":"IF(E114+F114>0,60,80)","v":80},{"$f":"IF(E114+F114>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A107=1,A107=2),200000,IF(A107=3,500000,IF(A107=4,400000,0)))*E108","v":0},{"$f":"IF(SUM(E115:F115)=0,0,VLOOKUP(A106,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E115:F115)/100)*$F$8)","v":0},5,{"$f":"IF(E115+F115>0,18,2)","v":2},{"$f":"IF(E115+F115>0,60,80)","v":80},{"$f":"IF(E115+F115>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A107=2,1000,0)*E108","v":0},{"$f":"IF(SUM(E116:F116)=0,0,VLOOKUP(A106,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E116:F116)/100)*$F$8)","v":0},6,{"$f":"IF(E116+F116>0,18,2)","v":2},{"$f":"IF(E116+F116>0,62,80)","v":80},{"$f":"IF(E116+F116>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A107<>0,1000000,0)*E108","v":0},{"$f":"IF(SUM(E117:F117)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A106-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E117:F117)/100)*$F$8)","v":0},7,{"$f":"IF(E117+F117>0,18,2)","v":2},{"$f":"IF(E117+F117>0,65,80)","v":80},{"$f":"IF(E117+F117>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E118=\"Nem\",F118=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A106-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E118=\"Igen\",F118=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E118=\"Igen\",F118=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E118=\"Igen\",F118=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A107=2,500000,0)*E108","v":0},{"$f":"IF(SUM(E119:F119)=0,0,12/10000*SUM(E119:F119)*$F$8)","v":0},9,{"$f":"IF(E119+F119>0,16,2)","v":2},{"$f":"IF(E119+F119>0,60,80)","v":80},{"$f":"IF(E119+F119>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A107=1,A107=2),1000000,IF(A107=3,2500000,0))*E108","v":0},{"$f":"IF(SUM(E120:F120)=0,0,6/10000*SUM(E120:F120)*$F$8)","v":0},10,2,{"$f":"IF(E120+F120>0,60,80)","v":80},{"$f":"IF(E120+F120>0,65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G112:G120)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G122/IF(G121=0,1,G121)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G121*MIN(5%,IF('Folyamatos Életív'!$K$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Életív'!$Q$7=2,4%,0)+IF('Folyamatos Életív'!$Q$7=5,2%,0)+IF('Folyamatos Életív'!$Q$7=4,3%,0)+IF(SUM($A$107)<>0,5%,0))","v":0}]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A105>$E$8,0,G121+G122)","v":0}]
[]
["6. biztosított"]
[]
[]
[6,null,null,null,null,{"$f":"IF(OR(A129<MAX(I135:I143),A129>MIN(J135:J143)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I135:I143)&\"-\"&MIN(J135:J143)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E129","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E130=\"Nem választ\",A128>$E$8),0,IF(E130=\"Előrelátó\",1,IF(E130=\"Családfenntartó\",2,IF(E130=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(A129+'Folyamatos Életív'!$AA$8>MIN(K135:K143),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K135:K143)&\" év lehet!\",\"\")","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E135:F135)=0,0,INDEX('GB100'!$B$5:$V$52,A129-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E135:F135)/100)*$F$8)","v":0},2,{"$f":"IF(E135+F135>0,18,2)","v":2},{"$f":"IF(E135+F135>0,65,80)","v":80},{"$f":"IF(E135+F135>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E136=\"Nem\",F136=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A129-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E136=\"Igen\",F136=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E136=\"Igen\",F136=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E136=\"Igen\",F136=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A130=1,A130=2,A130=4),2000,IF(A130=3,3000,0))*E131","v":0},{"$f":"IF(SUM(E137:F137)=0,0,VLOOKUP(A129,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E137:F137)/100)*$F$8)","v":0},4,{"$f":"IF(E137+F137>0,18,2)","v":2},{"$f":"IF(E137+F137>0,60,80)","v":80},{"$f":"IF(E137+F137>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A130=1,A130=2),200000,IF(A130=3,500000,IF(A130=4,400000,0)))*E131","v":0},{"$f":"IF(SUM(E138:F138)=0,0,VLOOKUP(A129,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E138:F138)/100)*$F$8)","v":0},5,{"$f":"IF(E138+F138>0,18,2)","v":2},{"$f":"IF(E138+F138>0,60,80)","v":80},{"$f":"IF(E138+F138>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A130=2,1000,0)*E131","v":0},{"$f":"IF(SUM(E139:F139)=0,0,VLOOKUP(A129,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E139:F139)/100)*$F$8)","v":0},6,{"$f":"IF(E139+F139>0,18,2)","v":2},{"$f":"IF(E139+F139>0,62,80)","v":80},{"$f":"IF(E139+F139>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A130<>0,1000000,0)*E131","v":0},{"$f":"IF(SUM(E140:F140)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A129-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E140:F140)/100)*$F$8)","v":0},7,{"$f":"IF(E140+F140>0,18,2)","v":2},{"$f":"IF(E140+F140>0,65,80)","v":80},{"$f":"IF(E140+F140>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E141=\"Nem\",F141=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A129-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E141=\"Igen\",F141=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E141=\"Igen\",F141=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E141=\"Igen\",F141=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A130=2,500000,0)*E131","v":0},{"$f":"IF(SUM(E142:F142)=0,0,12/10000*SUM(E142:F142)*$F$8)","v":0},9,{"$f":"IF(E142+F142>0,16,2)","v":2},{"$f":"IF(E142+F142>0,60,80)","v":80},{"$f":"IF(E142+F142>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A130=1,A130=2),1000000,IF(A130=3,2500000,0))*E131","v":0},{"$f":"IF(SUM(E143:F143)=0,0,6/10000*SUM(E143:F143)*$F$8)","v":0},10,2,{"$f":"IF(E143+F143>0,60,80)","v":80},{"$f":"IF(E143+F143>0,65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G135:G143)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G145/IF(G144=0,1,G144)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G144*MIN(5%,IF('Folyamatos Életív'!$K$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Életív'!$Q$7=2,4%,0)+IF('Folyamatos Életív'!$Q$7=5,2%,0)+IF('Folyamatos Életív'!$Q$7=4,3%,0)+IF(SUM($A$130)<>0,5%,0))","v":0}]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A128>$E$8,0,G144+G145)","v":0}]
[]
["7. biztosított"]
[]
[]
[7,null,null,null,null,{"$f":"IF(OR(A152<MAX(I158:I166),A152>MIN(J158:J166)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I158:I166)&\"-\"&MIN(J158:J166)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E152","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E153=\"Nem választ\",A151>$E$8),0,IF(E153=\"Előrelátó\",1,IF(E153=\"Családfenntartó\",2,IF(E153=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(A152+'Folyamatos Életív'!$AA$8>MIN(K158:K166),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K158:K166)&\" év lehet!\",\"\")","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E158:F158)=0,0,INDEX('GB100'!$B$5:$V$52,A152-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E158:F158)/100)*$F$8)","v":0},2,{"$f":"IF(E158+F158>0,18,2)","v":2},{"$f":"IF(E158+F158>0,65,80)","v":80},{"$f":"IF(E158+F158>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E159=\"Nem\",F159=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A152-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E159=\"Igen\",F159=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E159=\"Igen\",F159=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E159=\"Igen\",F159=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A153=1,A153=2,A153=4),2000,IF(A153=3,3000,0))*E154","v":0},{"$f":"IF(SUM(E160:F160)=0,0,VLOOKUP(A152,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E160:F160)/100)*$F$8)","v":0},4,{"$f":"IF(E160+F160>0,18,2)","v":2},{"$f":"IF(E160+F160>0,60,80)","v":80},{"$f":"IF(E160+F160>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A153=1,A153=2),200000,IF(A153=3,500000,IF(A153=4,400000,0)))*E154","v":0},{"$f":"IF(SUM(E161:F161)=0,0,VLOOKUP(A152,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E161:F161)/100)*$F$8)","v":0},5,{"$f":"IF(E161+F161>0,18,2)","v":2},{"$f":"IF(E161+F161>0,60,80)","v":80},{"$f":"IF(E161+F161>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A153=2,1000,0)*E154","v":0},{"$f":"IF(SUM(E162:F162)=0,0,VLOOKUP(A152,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E162:F162)/100)*$F$8)","v":0},6,{"$f":"IF(E162+F162>0,18,2)","v":2},{"$f":"IF(E162+F162>0,62,80)","v":80},{"$f":"IF(E162+F162>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A153<>0,1000000,0)*E154","v":0},{"$f":"IF(SUM(E163:F163)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A152-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E163:F163)/100)*$F$8)","v":0},7,{"$f":"IF(E163+F163>0,18,2)","v":2},{"$f":"IF(E163+F163>0,65,80)","v":80},{"$f":"IF(E163+F163>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E164=\"Nem\",F164=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A152-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E164=\"Igen\",F164=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E164=\"Igen\",F164=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E164=\"Igen\",F164=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A153=2,500000,0)*E154","v":0},{"$f":"IF(SUM(E165:F165)=0,0,12/10000*SUM(E165:F165)*$F$8)","v":0},9,{"$f":"IF(E165+F165>0,16,2)","v":2},{"$f":"IF(E165+F165>0,60,80)","v":80},{"$f":"IF(E165+F165>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A153=1,A153=2),1000000,IF(A153=3,2500000,0))*E154","v":0},{"$f":"IF(SUM(E166:F166)=0,0,6/10000*SUM(E166:F166)*$F$8)","v":0},10,2,{"$f":"IF(E166+F166>0,60,80)","v":80},{"$f":"IF(E166+F166>0,65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G158:G166)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G168/IF(G167=0,1,G167)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G167*MIN(5%,IF('Folyamatos Életív'!$K$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Életív'!$Q$7=2,4%,0)+IF('Folyamatos Életív'!$Q$7=5,2%,0)+IF('Folyamatos Életív'!$Q$7=4,3%,0)+IF(SUM($A$153)<>0,5%,0))","v":0}]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A151>$E$8,0,G167+G168)","v":0}]
[]
["8. biztosított"]
[]
[]
[8,null,null,null,null,{"$f":"IF(OR(A175<MAX(I181:I189),A175>MIN(J181:J189)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I181:I189)&\"-\"&MIN(J181:J189)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E175","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E176=\"Nem választ\",A174>$E$8),0,IF(E176=\"Előrelátó\",1,IF(E176=\"Családfenntartó\",2,IF(E176=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(A175+'Folyamatos Életív'!$AA$8>MIN(K181:K189),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K181:K189)&\" év lehet!\",\"\")","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E181:F181)=0,0,INDEX('GB100'!$B$5:$V$52,A175-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E181:F181)/100)*$F$8)","v":0},2,{"$f":"IF(E181+F181>0,18,2)","v":2},{"$f":"IF(E181+F181>0,65,80)","v":80},{"$f":"IF(E181+F181>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E182=\"Nem\",F182=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A175-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E182=\"Igen\",F182=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E182=\"Igen\",F182=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E182=\"Igen\",F182=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A176=1,A176=2,A176=4),2000,IF(A176=3,3000,0))*E177","v":0},{"$f":"IF(SUM(E183:F183)=0,0,VLOOKUP(A175,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E183:F183)/100)*$F$8)","v":0},4,{"$f":"IF(E183+F183>0,18,2)","v":2},{"$f":"IF(E183+F183>0,60,80)","v":80},{"$f":"IF(E183+F183>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A176=1,A176=2),200000,IF(A176=3,500000,IF(A176=4,400000,0)))*E177","v":0},{"$f":"IF(SUM(E184:F184)=0,0,VLOOKUP(A175,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E184:F184)/100)*$F$8)","v":0},5,{"$f":"IF(E184+F184>0,18,2)","v":2},{"$f":"IF(E184+F184>0,60,80)","v":80},{"$f":"IF(E184+F184>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A176=2,1000,0)*E177","v":0},{"$f":"IF(SUM(E185:F185)=0,0,VLOOKUP(A175,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E185:F185)/100)*$F$8)","v":0},6,{"$f":"IF(E185+F185>0,18,2)","v":2},{"$f":"IF(E185+F185>0,62,80)","v":80},{"$f":"IF(E185+F185>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A176<>0,1000000,0)*E177","v":0},{"$f":"IF(SUM(E186:F186)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A175-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E186:F186)/100)*$F$8)","v":0},7,{"$f":"IF(E186+F186>0,18,2)","v":2},{"$f":"IF(E186+F186>0,65,80)","v":80},{"$f":"IF(E186+F186>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E187=\"Nem\",F187=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A175-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E187=\"Igen\",F187=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E187=\"Igen\",F187=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E187=\"Igen\",F187=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A176=2,500000,0)*E177","v":0},{"$f":"IF(SUM(E188:F188)=0,0,12/10000*SUM(E188:F188)*$F$8)","v":0},9,{"$f":"IF(E188+F188>0,16,2)","v":2},{"$f":"IF(E188+F188>0,60,80)","v":80},{"$f":"IF(E188+F188>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A176=1,A176=2),1000000,IF(A176=3,2500000,0))*E177","v":0},{"$f":"IF(SUM(E189:F189)=0,0,6/10000*SUM(E189:F189)*$F$8)","v":0},10,2,{"$f":"IF(E189+F189>0,60,80)","v":80},{"$f":"IF(E189+F189>0,65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G181:G189)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G191/IF(G190=0,1,G190)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G190*MIN(5%,IF('Folyamatos Életív'!$K$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Életív'!$Q$7=2,4%,0)+IF('Folyamatos Életív'!$Q$7=5,2%,0)+IF('Folyamatos Életív'!$Q$7=4,3%,0)+IF(SUM($A$176)<>0,5%,0))","v":0}]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A174>$E$8,0,G190+G191)","v":0}]
[]
["9. biztosított"]
[]
[]
[9,null,null,null,null,{"$f":"IF(OR(A198<MAX(I204:I212),A198>MIN(J204:J212)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I204:I212)&\"-\"&MIN(J204:J212)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E198","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E199=\"Nem választ\",A197>$E$8),0,IF(E199=\"Előrelátó\",1,IF(E199=\"Családfenntartó\",2,IF(E199=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(A198+'Folyamatos Életív'!$AA$8>MIN(K204:K212),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K204:K212)&\" év lehet!\",\"\")","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E204:F204)=0,0,INDEX('GB100'!$B$5:$V$52,A198-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E204:F204)/100)*$F$8)","v":0},2,{"$f":"IF(E204+F204>0,18,2)","v":2},{"$f":"IF(E204+F204>0,65,80)","v":80},{"$f":"IF(E204+F204>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E205=\"Nem\",F205=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A198-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E205=\"Igen\",F205=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E205=\"Igen\",F205=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E205=\"Igen\",F205=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A199=1,A199=2,A199=4),2000,IF(A199=3,3000,0))*E200","v":0},{"$f":"IF(SUM(E206:F206)=0,0,VLOOKUP(A198,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E206:F206)/100)*$F$8)","v":0},4,{"$f":"IF(E206+F206>0,18,2)","v":2},{"$f":"IF(E206+F206>0,60,80)","v":80},{"$f":"IF(E206+F206>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A199=1,A199=2),200000,IF(A199=3,500000,IF(A199=4,400000,0)))*E200","v":0},{"$f":"IF(SUM(E207:F207)=0,0,VLOOKUP(A198,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E207:F207)/100)*$F$8)","v":0},5,{"$f":"IF(E207+F207>0,18,2)","v":2},{"$f":"IF(E207+F207>0,60,80)","v":80},{"$f":"IF(E207+F207>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A199=2,1000,0)*E200","v":0},{"$f":"IF(SUM(E208:F208)=0,0,VLOOKUP(A198,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E208:F208)/100)*$F$8)","v":0},6,{"$f":"IF(E208+F208>0,18,2)","v":2},{"$f":"IF(E208+F208>0,62,80)","v":80},{"$f":"IF(E208+F208>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A199<>0,1000000,0)*E200","v":0},{"$f":"IF(SUM(E209:F209)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A198-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E209:F209)/100)*$F$8)","v":0},7,{"$f":"IF(E209+F209>0,18,2)","v":2},{"$f":"IF(E209+F209>0,65,80)","v":80},{"$f":"IF(E209+F209>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E210=\"Nem\",F210=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A198-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E210=\"Igen\",F210=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E210=\"Igen\",F210=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E210=\"Igen\",F210=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A199=2,500000,0)*E200","v":0},{"$f":"IF(SUM(E211:F211)=0,0,12/10000*SUM(E211:F211)*$F$8)","v":0},9,{"$f":"IF(E211+F211>0,16,2)","v":2},{"$f":"IF(E211+F211>0,60,80)","v":80},{"$f":"IF(E211+F211>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A199=1,A199=2),1000000,IF(A199=3,2500000,0))*E200","v":0},{"$f":"IF(SUM(E212:F212)=0,0,6/10000*SUM(E212:F212)*$F$8)","v":0},10,2,{"$f":"IF(E212+F212>0,60,80)","v":80},{"$f":"IF(E212+F212>0,65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G204:G212)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G214/IF(G213=0,1,G213)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G213*MIN(5%,IF('Folyamatos Életív'!$K$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Életív'!$Q$7=2,4%,0)+IF('Folyamatos Életív'!$Q$7=5,2%,0)+IF('Folyamatos Életív'!$Q$7=4,3%,0)+IF(SUM($A$199)<>0,5%,0))","v":0}]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A197>$E$8,0,G213+G214)","v":0}]
[]
["10. biztosított"]
[]
[]
[10,null,null,null,null,{"$f":"IF(OR(A221<MAX(I227:I235),A221>MIN(J227:J235)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I227:I235)&\"-\"&MIN(J227:J235)&\" év közé kell esnie!\",\"\")","v":""}]
[{"$f":"YEAR(TODAY())-E221","v":29},null,null,"Biztosított születési éve",1985]
[{"$f":"+IF(OR(E222=\"Nem választ\",A220>$E$8),0,IF(E222=\"Előrelátó\",1,IF(E222=\"Családfenntartó\",2,IF(E222=\"Aktív\",3,4))))","v":0},null,null,"Választott kiegészítő csomag","Nem választ",{"$f":"IF(A221+'Folyamatos Életív'!$AA$8>MIN(K227:K235),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K227:K235)&\" év lehet!\",\"\")","v":""}]
[null,null,null,"Kiegészítő csomag szorzója",1]
[]
[null,null,null,null,"Biztosítási szolgáltatások",null,"Gyakoriság szerinti\ntarifális díj",0.5]
[null,null,null,null,"Egyénileg választott","Csomag alapján",null,1,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Rettegett betegség diagnosztizálása (GB100)",0,0,{"$f":"IF(SUM(E227:F227)=0,0,INDEX('GB100'!$B$5:$V$52,A221-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E227:F227)/100)*$F$8)","v":0},2,{"$f":"IF(E227+F227>0,18,2)","v":2},{"$f":"IF(E227+F227>0,65,80)","v":80},{"$f":"IF(E227+F227>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás rettegett betegség esetén (GB101)","Nem","Nem",{"$f":"IF(AND(E228=\"Nem\",F228=\"Nem\"),0,INDEX('GB101'!$B$5:$V$52,A221-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},3,{"$f":"IF(OR(E228=\"Igen\",F228=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E228=\"Igen\",F228=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E228=\"Igen\",F228=\"Igen\"),75,90)","v":90}]
[null,null,null,"Kórházi napi térítés (GB103)",0,{"$f":"IF(OR(A222=1,A222=2,A222=4),2000,IF(A222=3,3000,0))*E223","v":0},{"$f":"IF(SUM(E229:F229)=0,0,VLOOKUP(A221,GB103K!$A$6:$B$53,2,FALSE)*(SUM(E229:F229)/100)*$F$8)","v":0},4,{"$f":"IF(E229+F229>0,18,2)","v":2},{"$f":"IF(E229+F229>0,60,80)","v":80},{"$f":"IF(E229+F229>0,65,90)","v":90}]
[null,null,null,"Műtéti támogatás (GB103)",0,{"$f":"IF(OR(A222=1,A222=2),200000,IF(A222=3,500000,IF(A222=4,400000,0)))*E223","v":0},{"$f":"IF(SUM(E230:F230)=0,0,VLOOKUP(A221,GB103M!$A$6:$B$53,2,FALSE)*(SUM(E230:F230)/100)*$F$8)","v":0},5,{"$f":"IF(E230+F230>0,18,2)","v":2},{"$f":"IF(E230+F230>0,60,80)","v":80},{"$f":"IF(E230+F230>0,65,90)","v":90}]
[null,null,null,"Napi térítés keresőképtelenség esetén (GB104)",0,{"$f":"IF(A222=2,1000,0)*E223","v":0},{"$f":"IF(SUM(E231:F231)=0,0,VLOOKUP(A221,'GB104'!$A$6:$B$53,2,FALSE)*(SUM(E231:F231)/100)*$F$8)","v":0},6,{"$f":"IF(E231+F231>0,18,2)","v":2},{"$f":"IF(E231+F231>0,62,80)","v":80},{"$f":"IF(E231+F231>0,62,90)","v":90}]
[null,null,null,"Kockázati élet (GB105)",0,{"$f":"IF(A222<>0,1000000,0)*E223","v":0},{"$f":"IF(SUM(E232:F232)=0,0,INDEX('GB105 - folyamatos'!$B$5:$V$52,A221-17,'Folyamatos Életív'!$AA$8-4)*(SUM(E232:F232)/100)*$F$8)","v":0},7,{"$f":"IF(E232+F232>0,18,2)","v":2},{"$f":"IF(E232+F232>0,65,80)","v":80},{"$f":"IF(E232+F232>0,75,90)","v":90}]
[null,null,null,"Díjátvállalás halál esetén (GB106)","Nem","Nem",{"$f":"IF(AND(E233=\"Nem\",F233=\"Nem\"),0,INDEX('GB106'!$B$5:$V$52,A221-17,'Folyamatos Életív'!$AA$8-4)*'Folyamatos Életív'!$K$8/100)","v":0},8,{"$f":"IF(OR(E233=\"Igen\",F233=\"Igen\"),18,2)","v":2},{"$f":"IF(OR(E233=\"Igen\",F233=\"Igen\"),65,80)","v":80},{"$f":"IF(OR(E233=\"Igen\",F233=\"Igen\"),75,90)","v":90}]
[null,null,null,"Rokkantsági térítés (GB108)",0,{"$f":"IF(A222=2,500000,0)*E223","v":0},{"$f":"IF(SUM(E234:F234)=0,0,12/10000*SUM(E234:F234)*$F$8)","v":0},9,{"$f":"IF(E234+F234>0,16,2)","v":2},{"$f":"IF(E234+F234>0,60,80)","v":80},{"$f":"IF(E234+F234>0,62,90)","v":90}]
[null,null,null,"Balesetbiztosítás (GB109)",0,{"$f":"IF(OR(A222=1,A222=2),1000000,IF(A222=3,2500000,0))*E223","v":0},{"$f":"IF(SUM(E235:F235)=0,0,6/10000*SUM(E235:F235)*$F$8)","v":0},10,2,{"$f":"IF(E235+F235>0,60,80)","v":80},{"$f":"IF(E235+F235>0,65,90)","v":90}]
[null,null,null,"Kiegészítő biztosítási csomag tarifális díja",null,null,{"$f":"SUM(G227:G235)","v":0}]
[null,null,null,{"$f":"\"Kedvezmény a kiegészítő biztosítások díjából\"&\" (\"&TEXT(ABS(G237/IF(G236=0,1,G236)),\"0%\")&\")\"","v":"Kedvezmény a kiegészítő biztosítások díjából (0%)"},null,null,{"$f":"-G236*MIN(5%,IF('Folyamatos Életív'!$K$9=\"Díjlehívás\",2%,0)+IF('Folyamatos Életív'!$Q$7=2,4%,0)+IF('Folyamatos Életív'!$Q$7=5,2%,0)+IF('Folyamatos Életív'!$Q$7=4,3%,0)+IF(SUM($A$222)<>0,5%,0))","v":0}]
[null,null,null,"Kiegészítő biztosítások fizetendő díja",null,null,{"$f":"IF(A220>$E$8,0,G236+G237)","v":0}]

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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Célértékhez"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AD34-Nyugdíjprogram!AB44","v":0}]
[]
[null,null,"Szerződés alapadatai"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"Választható szorzó: \"&AP31&\" - \"&AP32","v":"Választható szorzó: 1 - 15"},null,null,null,null,null,null,null,null,null,{"$f":"\"Lejárat: \"&TEXT(AM34,\"éééé.hh.nn\")","v":"Lejárat: 2030.01.01"}]
[null,null,null,null,null,null,null,"Befektetendő egyszeri díj",1000000,null,null,null,{"$f":"IF(I7<200000,0,1)","v":1},null,null,null,null,null,"KBÖ szorzó",1,null,null,null,null,null,null,null,null,"Tartam egész évei",{"$f":"IF(TODAY()<AM34,ROUNDDOWN(YEARFRAC(TODAY(),AM34,1),0),-ROUNDDOWN(YEARFRAC(TODAY(),AM34,1),0))","v":15}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kock. bizt. összeg",{"$f":"I7*0.1*T7","v":100000},null,null,null,null,{"$f":"+IF(AD7<3,\"A minimális tartam 3 év!\",\"\")","v":""}]
[null,null,null,null,null,null,null,"Születési idő","1965-01-01",null,null,null,null,null,null,null,null,null,"Max. éves adójóváírás",130000]
[]
[null,null,"Befektetés alapadatai, járadékszolgáltatás",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hozamorientált","Hozamorientált modellportfólió",null,null,0.25,"Eurózóna Fejlett Piaci Részvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Harmonikus"," ",null,null,0.25,"Eurózóna Fenntartható Fejlődés Részvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mérsékelt"," ",null,null,0.25,"Európa Csillagai Részvény Forint"]
[null,null,null,{"$f":"IF(Q31<>1,\"Kérem, válasszon befektetési hátteret az egyszeri díj befektetéséhez!\",\"\")","v":"Kérem, válasszon befektetési hátteret az egyszeri díj befektetéséhez!"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," ",null,null,0.25,"Magyar Horizont Kötvény Forint"]
[null,null,null,"Modellportfólió",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Járadékszámítás","Nem"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Járadék típusa","Életjáradék",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Európa Csillagai Részvény Forint","Harmonikus modellportfólió",null,null,0.3,"Eurózóna Fenntartható Fejlődés Részvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Tartama",10,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Eurózóna Fejlett Piaci Részvény Forint"," ",null,null,0.2,"Eurózóna Fejlett Piaci Részvény Forint"]
[null,null,null,"Választott eszközalapok",null,null,null,null,null,null,null,null,null,null,null,null,"Arány",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Eurózóna Fenntartható Fejlődés Részvény Forint"," ",null,null,0.3,"Magyar Horizont Kötvény Forint"]
[null,null,"1)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Magyar Extra Hosszú Kötvény Forint"," ",null,null,0.2,"Magyar Spektrum Kötvény Forint"]
[null,null,"2)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Magyar Horizont Kötvény Forint"," "]
[null,null,"3)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Magyar Középtávú Kötvény Forint"," "]
[null,null,"4)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Magyar Spektrum Kötvény Forint","Mérsékelt modellportfólió",null,null,0.15,"Európa Csillagai Részvény Forint"]
[null,null,"5)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pénzpiaci Forint"," ",null,null,0.1,"Eurózóna Fejlett Piaci Részvény Forint"]
[null,null,"6)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," ",null,null,0.25,"Magyar Horizont Kötvény Forint"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," ",null,null,0.5,"Magyar Spektrum Kötvény Forint"]
[]
[]
[1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,{"$f":"+SUM(Q22:R27)","v":0},null,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,null,null,null,null,null,null,"KBÖ min",1,3,83]
[null,null,"Díjadatok és prognosztizált befektetési eredmény",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"KBÖ max",{"$f":"+VLOOKUP(ROUNDUP(YEARFRAC(TODAY(),AM34,1),0),AQ31:AR56,2)","v":15},4,62]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,49]
[null,null,null,null,null,null,null,null,null,null,null,null,"Befektetendő egyszeri díj",{"$f":"+I7","v":1000000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Becsült lejárati szolgáltatás",{"$f":"IF(Q31<1,0,VLOOKUP($AD$7,'Egyszeri modell'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Egyszeri modell (2)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Egyszeri modell (3)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Egyszeri modell (4)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Egyszeri modell (5)'!$J$2:$M$46,2,FALSE)+VLOOKUP($AD$7,'Egyszeri modell (6)'!$J$2:$M$46,2,FALSE))","v":0},null,null,null,null,null,null,null,null,{"$f":"DATE(YEAR(I11)+VLOOKUP(I11,AM35:AP41,3),MONTH(I11),DAY(I11)+VLOOKUP(I11,AM35:AP41,4))","v":"2030-01-01"},null,"Év","Nap",6,41]
[null,null,null,null,null,null,null,null,null,null,null,null,"Kiegészítő biztosítások díja",{"$f":"'Kiegészítők - Egy. Ny. Életív'!G18+'Kiegészítők - Egy. Ny. Életív'!G28+'Kiegészítők - Egy. Ny. Életív'!G38+'Kiegészítők - Egy. Ny. Életív'!G48+'Kiegészítők - Egy. Ny. Életív'!G58+'Kiegészítők - Egy. Ny. Életív'!G68+'Kiegészítők - Egy. Ny. Életív'!G78+'Kiegészítők - Egy. Ny. Életív'!G88+'Kiegészítők - Egy. Ny. Életív'!G98+'Kiegészítők - Egy. Ny. Életív'!G108","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Becsült többleteredmény (érték)",{"$f":"IF(Q31<1,0,AD34-N34)","v":0},null,null,null,null,null,null,null,null,"1900-01-01","1951-12-31",62,0,7,35]
[null,null,null,null,null,null,null,null,null,null,null,null,"Fizetendő egyszeri díj",{"$f":"SUM(N34:N35)","v":1000000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Becsült többleteredmény (százalék)",{"$f":"IF(Q31<1,0,AD34/N34-1)","v":0},null,null,null,null,null,null,null,null,"1952-01-01","1952-12-31",62,183,8,30]
[null,null,null,null,null,null,null,null,null,null,null,null,"Adójóváírás összege",{"$f":"MIN(T11,I7*0.2)","v":130000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(Y18=\"Igen\",\"Becsült havi járadéktag\",\"\")","v":""},{"$f":"IF(Y18=\"Nem\",\"\",IF(Y19=\"Életjáradék\",VLOOKUP(YEAR(AM34)-YEAR(I11),AM45:AO48,3,FALSE)*AD34/1000000,AD34/(Y20*12)*0.98))","v":""},null,null,null,null,null,null,null,null,"1953-01-01","1953-12-31",63,0,9,27]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1954-01-01","1954-12-31",63,183,10,24]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1955-01-01","1955-12-31",64,0,11,22]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1956-01-01","1956-12-31",64,183,12,20]
[null,"A megadott adatok becsült hozamokon alapulnak, a jelzett összegekre a Groupama Garancia Biztosító Zrt. nem vállal garanciát!",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1957-01-01","2100-12-31",65,0,13,18]
[null,null,"Eredmény részletei",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14,17]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 MFt díjra fizethető havi járadék (nő, élethosszig, 0-s garanciaidő)",null,null,null,15,16]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Kockázati költség átlagos havi mértéke",{"$f":"(SUM('Egyszeri modell'!R50:R589)+SUM('Egyszeri modell (2)'!R50:R589)+SUM('Egyszeri modell (3)'!R50:R589)+SUM('Egyszeri modell (4)'!R50:R589)+SUM('Egyszeri modell (5)'!R50:R589)+SUM('Egyszeri modell (6)'!R50:R589))/(12*AD7)","v":0},null,null,null,null,null,null,null,null,null,"kedvezmény nélkül","kedvezménnyel",null,16,15]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,62,4306.0956309691201,4545.3231660229603,null,17,14]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,63,4434.6326845181511,4681.001166991382,null,18,13]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,64,4572.0901914013712,4826.0952020347795,null,19,12]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,65,4719.2525188079626,4981.4332142972926,null,21,11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,23,10]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25,9]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,28,8]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,31,7]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,6]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,41,5]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,49,4]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,61,3]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+AO63","v":"Befektetett összeg"},{"$f":"\"=SERIES(,'Egyszeri Nyugdíjcélú Életív'!R65C4:R\"&AN63-1&\"C4,'Egyszeri Nyugdíjcélú Életív'!R65C41:R\"&AN63-1&\"C41,1)\"","v":"=SERIES(,'Egyszeri Nyugdíjcélú Életív'!R65C4:R79C4,'Egyszeri Nyugdíjcélú Életív'!R65C41:R79C41,1)"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+M63","v":"Egyéni számla értéke"},{"$f":"\"=SERIES(,'Egyszeri Nyugdíjcélú Életív'!R65C4:R\"&AN63-1&\"C4,'Egyszeri Nyugdíjcélú Életív'!R65C13:R\"&AN63-1&\"C13,1)\"","v":"=SERIES(,'Egyszeri Nyugdíjcélú Életív'!R65C4:R79C4,'Egyszeri Nyugdíjcélú Életív'!R65C13:R79C13,1)"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+T63","v":"Visszavásárlási összeg"},{"$f":"\"=SERIES(,'Egyszeri Nyugdíjcélú Életív'!R65C4:R\"&AN63-1&\"C4,'Egyszeri Nyugdíjcélú Életív'!R65C20:R\"&AN63-1&\"C20,1)\"","v":"=SERIES(,'Egyszeri Nyugdíjcélú Életív'!R65C4:R79C4,'Egyszeri Nyugdíjcélú Életív'!R65C20:R79C20,1)"}]
[null,null,null,"Biztosítási évforduló",null,null,{"$f":"\"Befizetett egyszeri díj\"&IF(N37>0,\" és adójóváírás\",\"\")","v":"Befizetett egyszeri díj és adójóváírás"},null,null,null,null,null,"Egyéni számla értéke",null,null,null,null,null,null,"Visszavásárlási összeg",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"min sor",{"$f":"+MAX(D65:F109)+65","v":80},"Befektetett összeg","Befizetett admin díjak göngyölten","Befizetett egyszeri díj","Eseti díj"]
[]
[null,null,null,1,null,null,{"$f":"+AQ65","v":0},null,null,null,null,null,{"$f":"IF(D65<>\"\",VLOOKUP(D65,'Egyszeri modell'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Egyszeri modell (2)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Egyszeri modell (3)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Egyszeri modell (4)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Egyszeri modell (5)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D65,'Egyszeri modell (6)'!$J$2:$N$46,2,FALSE),\"\")","v":0},null,null,null,null,null,null,{"$f":"IF(D65<>\"\",VLOOKUP(D65,'Egyszeri modell'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Egyszeri modell (2)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Egyszeri modell (3)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Egyszeri modell (4)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Egyszeri modell (5)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D65,'Egyszeri modell (6)'!$J$2:$N$46,3,FALSE)-(SUM($G$65:G65)-$I$7)*1.2,\"\")","v":1200000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+AQ65+AR65","v":0},0,{"$f":"IF(D65<>\"\",VLOOKUP(D65,'Egyszeri modell'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Egyszeri modell (2)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Egyszeri modell (3)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Egyszeri modell (4)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Egyszeri modell (5)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D65,'Egyszeri modell (6)'!$J$2:$N$46,4,FALSE),0)","v":0},0]
[null,null,null,{"$f":"IF(D65<'Egyszeri Nyugdíjcélú Életív'!$AD$7,D65+1,\"\")","v":2},null,null,{"$f":"IF(D66<>\"\",AQ66-AQ65,\"\")","v":0},null,null,null,null,null,{"$f":"IF(D66<>\"\",VLOOKUP(D66,'Egyszeri modell'!$J$2:$N$46,2,FALSE)+VLOOKUP(D66,'Egyszeri modell (2)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D66,'Egyszeri modell (3)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D66,'Egyszeri modell (4)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D66,'Egyszeri modell (5)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D66,'Egyszeri modell (6)'!$J$2:$N$46,2,FALSE),\"\")","v":0},null,null,null,null,null,null,{"$f":"IF(D66<>\"\",VLOOKUP(D66,'Egyszeri modell'!$J$2:$N$46,3,FALSE)+VLOOKUP(D66,'Egyszeri modell (2)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D66,'Egyszeri modell (3)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D66,'Egyszeri modell (4)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D66,'Egyszeri modell (5)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D66,'Egyszeri modell (6)'!$J$2:$N$46,3,FALSE)-(SUM($G$65:G66)-$I$7)*1.2,\"\")","v":1200000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+AQ66+AR66","v":0},0,{"$f":"IF(D66<>\"\",VLOOKUP(D66,'Egyszeri modell'!$J$2:$N$46,4,FALSE)+VLOOKUP(D66,'Egyszeri modell (2)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D66,'Egyszeri modell (3)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D66,'Egyszeri modell (4)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D66,'Egyszeri modell (5)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D66,'Egyszeri modell (6)'!$J$2:$N$46,4,FALSE),0)","v":0},0]
[null,null,null,{"$f":"IF(D66<'Egyszeri Nyugdíjcélú Életív'!$AD$7,D66+1,\"\")","v":3},null,null,0,null,null,null,null,null,{"$f":"IF(D67<>\"\",VLOOKUP(D67,'Egyszeri modell'!$J$2:$N$46,2,FALSE)+VLOOKUP(D67,'Egyszeri modell (2)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D67,'Egyszeri modell (3)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D67,'Egyszeri modell (4)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D67,'Egyszeri modell (5)'!$J$2:$N$46,2,FALSE)+VLOOKUP(D67,'Egyszeri modell (6)'!$J$2:$N$46,2,FALSE),\"\")","v":0},null,null,null,null,null,null,{"$f":"IF(D67<>\"\",VLOOKUP(D67,'Egyszeri modell'!$J$2:$N$46,3,FALSE)+VLOOKUP(D67,'Egyszeri modell (2)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D67,'Egyszeri modell (3)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D67,'Egyszeri modell (4)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D67,'Egyszeri modell (5)'!$J$2:$N$46,3,FALSE)+VLOOKUP(D67,'Egyszeri modell (6)'!$J$2:$N$46,3,FALSE)-(SUM($G$65:G67)-$I$7)*1.2,\"\")","v":1200000},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0,{"$f":"IF(D67<>\"\",VLOOKUP(D67,'Egyszeri modell'!$J$2:$N$46,4,FALSE)+VLOOKUP(D67,'Egyszeri modell (2)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D67,'Egyszeri modell (3)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D67,'Egyszeri modell (4)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D67,'Egyszeri modell (5)'!$J$2:$N$46,4,FALSE)+VLOOKUP(D67,'Egyszeri modell (6)'!$J$2:$N$46,4,FALSE),0)","v":0},0]
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{"sheet":"Nyugdíjprogram","index":28,"n_rows":55,"n_cols":48,"rows_kept":55,"cut":false,"hidden":true,"merged":[[49,1,49,34],[47,3,47,32],[19,19,35,34],[31,7,32,12],[18,2,19,6],[44,9,44,15],[38,9,38,15],[40,9,40,15],[21,11,21,14],[42,27,42,29],[40,27,40,30],[44,18,45,26],[43,27,43,30],[44,27,45,30],[29,8,30,11],[29,13,30,17],[4,2,5,5],[9,10,9,15],[6,6,6,15],[8,10,8,15],[41,27,41,30],[12,10,12,15],[27,3,28,6],[27,7,28,12],[27,13,28,17],[8,27,8,32],[9,27,9,32],[10,27,10,32],[10,10,10,15],[6,17,6,34],[8,19,8,26],[9,19,9,26],[10,19,10,26],[38,19,39,29],[12,31,12,32],[13,31,13,32],[14,31,14,32],[12,27,12,30],[13,27,13,30],[14,27,14,30],[29,12,30,12],[36,2,37,17],[29,3,30,6],[29,7,30,7],[12,19,12,26],[13,19,13,26],[14,19,14,26],[11,2,11,15],[41,9,41,12],[41,13,41,15],[39,9,39,15],[45,9,45,15],[43,9,43,15],[42,9,42,12],[42,13,42,15],[23,11,23,14],[24,11,24,14],[25,11,25,14],[13,10,13,15],[14,10,14,15],[20,11,20,14],[22,11,22,14],[33,8,34,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Célértékhez",null,null,"GÉP = 1, NYÉP = 2",{"$f":"IF(Főmenü!AJ4=TRUE,1,2)","v":2}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(J43=\"Életjáradék\",AB44/1000000*VLOOKUP(L22-YEAR(K9),AT15:AV18,3,FALSE),AB44/(12*N43)*0.98)","v":0},{"$f":"+AL3+I34","v":-47095.050536333962}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1900-01-01",62,0,"18. §30 (1) A társadalombiztosítási öregségi nyugdíjra jogosító öregségi nyugdíjkorhatára annak, aki"]
[null,null,"Alapadatok",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1951-01-01",62,0,"a) 1952. január 1-je előtt született, a betöltött 62. életév,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1952-01-01",62,183,"b) 1952-ben született, a 62. életév betöltését követő 183. nap,"]
[null,null,null,null,null,"Ügyfél neve","Szorgos Domokos",null,null,null,null,null,null,null,null,null,null,"Nyugdíj-kiegészítés célú egyéb megtakarítások nyugdíjazáskor",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1953-01-01",63,0,"c) 1953-ban született, a betöltött 63. életév,"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Várható egyösszegű megtakarítások",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1954-01-01",63,183,"d) 1954-ben született, a 63. életév betöltését követő 183. nap,"]
[null,null,null,null,null,null,null,null,null,"Születési idő","1965-01-01",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1955-01-01",64,0,"e) 1955-ben született, a betöltött 64. életév,"]
[null,null,null,null,null,null,null,null,null,"Szolgálati idő várható hossza",40,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1956-01-01",64,183,"f) 1956-ban született, a 64. életév betöltését követő 183. nap,"]
[null,null,null,null,null,null,null,null,null,"Magánnyugdíj-pénztári tag","Nem",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1957-01-01",65,0,"g) 1957-ben vagy azt követően született, a betöltött 65. életév."]
[null,null,{"$f":"IF(OR(AND(AP2=2,OR(AR40<TODAY(),AS40<3)),AND(AP2=1,YEAR(TODAY())-YEAR(K9)>80)),\"A biztosított életkora túl magas!\",\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Várható rendszeres jövedelmek"]
[null,null,null,null,null,null,null,null,null,"Aktuális bruttó havi bér",300000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AF13=\"/hó\",1,IF(AF13=\"/né\",3,IF(AF13=\"/fé\",6,12)))","v":12},null,null,null,null,null,null,null,null,null,null,null,"1 MFt díjra fizethető havi járadék (nő, élethosszig, 0-s garanciaidő)"]
[null,null,null,null,null,null,null,null,null,"Életút jövedelem meghatározása","Alapértelmezett",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AF14=\"/hó\",1,IF(AF14=\"/né\",3,IF(AF14=\"/fé\",6,12)))","v":12},null,null,null,"Szolgálati idő (év)","Az öregségi nyugdíj alapját képező havi átlagkereset százaléka","Magánnyugdíj korrekció",null,null,"Nettó bér",null,null,null,"kedvezmény nélkül","kedvezménnyel"]
[null,null,null,null,null,null,null,null,null,"Múltbeli eltérés átlagbér-változástól",0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AF15=\"/hó\",1,IF(AF15=\"/né\",3,IF(AF15=\"/fé\",6,12)))","v":12},null,null,null,15,43,{"$f":"IF(K11=\"Igen\",(L22-2010)/K10+(1-(L22-2010)/K10)*0.75,1)","v":1},null,null,{"$f":"K13*(1-(0.185+0.16))","v":196500},null,null,62,4306.0956309691201,4545.3231660229603]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16,45,null,null,null,null,null,null,63,4434.6326845181511,4681.001166991382]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,17,47,null,"Magánnyugdíj-pénztár",null,null,"Ingatlan bérbeadás",null,64,4572.0901914013712,4826.0952020347795]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,18,49,null,"Önkéntes nyugdíjpénztár",null,null,"Befektetések hozama",null,65,4719.2525188079626,4981.4332142972926]
[null,null,"Nyugdíjadatok",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,19,51,null,"Nyugdíj-előtakarékossági számla",null,null,"Életjáradék"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,53,null,"Élet- vagy nyugdíjbiztosítás",null,null,"Egyéb"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,21,55,null,"Bankbetét",null,null,null,0,{"$f":"ABS(I34)","v":47095.050536333962}]
[null,null,null,null,null,null,null,null,null,null,"Nyugdíjba vonulás várható éve",{"$f":"YEAR(AR40)","v":2030},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,22,57,null,"Egyéb",null,null,null,{"$f":"+N30","v":196500},0]
[null,null,null,null,null,null,null,null,null,null,"Hátralévő évek száma",{"$f":"IF(AP2=1,L22-YEAR(TODAY()),ROUNDDOWN(YEARFRAC(TODAY(),AR40,1),0))","v":15},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,23,59,null,null,null,null,null,0,{"$f":"+I30","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Öregségi nyugdíj alapja",{"$f":"IF(ISERROR(IF(AP24<=372000,AP24,IF(AP24<=421000,372000+(AP24-372000)*0.9,416100+(AP24-421000)*0.8)))=TRUE,0,IF(AP24<=372000,AP24,IF(AP24<=421000,372000+(AP24-372000)*0.9,416100+(AP24-421000)*0.8)))","v":186756.18682958256},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,24,61,null,"Havi nettó átlagkereset",{"$f":"SUM('Nyugdíjprogram részletes adatok'!AB9:AF35)/(SUM('Nyugdíjprogram részletes adatok'!AG9:AG35)-SUM('Nyugdíjprogram részletes adatok'!T9:V35))*365/12","v":186756.18682958256},null,null,0,{"$f":"+D30","v":149404.94946366604}]
[null,null,null,null,null,null,null,null,null,null,"Szolgálati idő szorzó",{"$f":"VLOOKUP(K10,AL15:AM50,2)/100","v":0.8},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25,63]
[null,null,null,null,null,null,null,null,null,null,"Mpt korrekció",{"$f":"AN15","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,26,64,null,{"$f":"IF(AP2=1,\"Merész\",\"Hozamorientált\")","v":"Hozamorientált"},null,null,"/hó","min index",{"$f":"+IF(AP2=1,5%,2%)","v":0.02}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,27,65,null,{"$f":"IF(AP2=1,\"Dinamikus\",\"Harmonikus\")","v":"Harmonikus"},null,null,"/né"]
[null,null,null,"Nyugdíj várható havi összege",null,null,null,"Egyéb megtakarítások havi egyenértékese",null,null,null,null,null,"Jelenlegi havi nettó alapbér",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,28,66,null,{"$f":"IF(AP2=1,\"Kiegyensúlyozott\",\"Mérsékelt\")","v":"Mérsékelt"},null,null,"/fé"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,29,67,null,{"$f":"+IF(AP2=1,\"Megfontolt\",0)","v":0},null,null,"/év"]
[null,null,null,{"$f":"IF(ISERROR(L24*L25*L26)=TRUE,0,L24*L25*L26)","v":149404.94946366604},null,null,null,"+",{"$f":"AB13/AH13+AB14/AH14+AB15/AH15+SUM(AB9:AG11)/1000000*VLOOKUP(L22-YEAR(K9),AT15:AU18,2,FALSE)","v":0},null,null,null,{"$f":"IF(D30+I30=N30,\"=\",IF(D30+I30<N30,\"<\",\">\"))","v":"<"},{"$f":"AQ15","v":196500},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,68,null,{"$f":"+IF(AP2=1,\"Óvatos\",0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,31,69]
[null,null,null,null,null,null,null,"Nyugdíjba vonuláskor jelentkező havi hiány",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,32,70,null,null,null,null,"toggle button"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,33,71,null,2,"induló éves",null,false]
[null,null,null,null,null,null,null,null,{"$f":"MIN(0,D30+I30-N30)","v":-47095.050536333962},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,34,72,null,3,"induló havi"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,35,73,null,4,"induló féléves"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,36,74,null,5,"induló negyedéves"]
[null,null,{"$f":"\"Ajánlott biztosítási megoldás:\"&IF(AP2=1,\" Groupama Életív Program\",\" Nyugdíjcélú Életív Program\")","v":"Ajánlott biztosítási megoldás: Nyugdíjcélú Életív Program"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,37,75.5,null,6,"egyszeri"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,38,77]
[null,null,null,null,null,null,null,null,"Díjfizetési gyakoriság","Havi",null,null,null,null,null,null,{"$f":"IF(J39=\"Éves\",2,IF(J39=\"Havi\",3,IF(J39=\"Féléves\",4,IF(J39=\"Negyedéves\",5,6))))","v":3},null,null,"Személyre szabott biztosítási megoldás",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,39,78.5,null,"Minimális megtak díjrész",null,null,"NYÉP lejárat","egész évek"]
[null,null,null,null,null,null,null,null,"Modellportfólió",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,40,80,null,{"$f":"IF(OR(AP2=1,AND(AP2=2,AP40<20)),IF(Q39=2,96000,IF(Q39=3,8000,IF(Q39=4,48000,IF(Q39=5,24000,0)))),IF(Q39=2,60000,IF(Q39=3,5000,IF(Q39=4,30000,IF(Q39=5,15000,0)))))","v":8000},14,null,{"$f":"+DATE(YEAR(K9)+VLOOKUP(K9,AL4:AN11,2),MONTH(K9),DAY(K9)+VLOOKUP(K9,AL4:AN11,3))","v":"2030-01-01"},{"$f":"ROUNDDOWN(YEARFRAC(TODAY(),AR40,1),0)","v":15}]
[null,null,null,null,null,null,null,null,"Évenkénti indexálás",0.05,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Biztosítás tartama",null,null,null,null,null,null,null,null,null,null,41,82,null,null,null,null,"MP hiba"]
[null,null,null,null,null,null,null,null,"Alapértelmezett tartam","Nyugdíjazásig",null,null,null,{"$f":"+L23","v":15},null,null,null,null,null,null,null,null,null,null,null,null,"Megtakarítási időszak",null,null,null,null,null,null,null,null,null,null,42,84,null,"Egyszeri minimum",null,null,{"$f":"+IF(OR(AND(AP2=2,OR(AND(Q39<>6,J46=\"\"),J40=\"\")),AND(AP2=1,OR(AND(Q39<>6,J45<>0,J46=\"\"),J40=\"\"))),1,0)","v":1}]
[null,null,null,null,null,null,null,null,"Járadék típusa","Életjáradék",null,null,null,10,null,null,null,null,null,null,null,null,null,null,null,null,"Lejárat után fedezni kívánt összeg",null,null,null,null,null,null,null,null,null,null,43,86,null,200000]
[null,null,null,null,null,null,null,null,"Max. éves adójóváírás",130000,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Ehhez szükséges lejárati szolgáltatás",null,null,null,null,null,null,null,null,null,null,44,88]
[null,null,null,null,null,null,null,null,"Kezdeti eseti befizetés",0,null,null,null,null,null,null,null,null,{"$f":"\"Szükségesnek becsült \"&VLOOKUP(Q39,AO33:AP37,2,FALSE)&IF(Q39=6,\" díj\",\" megtakarítási díjrész\")","v":"Szükségesnek becsült induló havi megtakarítási díjrész"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,45,90,null,"Kezdeti tartam/megtakid"]
[null,null,null,null,null,null,null,null,"Eseti díj modellportfóliója",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,46,92,null,{"$f":"IF(J42=\"Nyugdíjazásig\",L23,N42)","v":15}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,47,94]
[null,null,null,{"$f":"IF(OR(AND(AP2=1,OR(AND(Q39<>6,L23<10),AND(Q39=6,L23<5))),AND(AP2=2,OR(AND(Q39<>6,L23<5),AND(Q39=6,L23<3)))),\"Adott tartamra nem köthető meg a biztosítás!\",IF(AND(AP2=2,J42<>\"Nyugdíjazásig\"),\"Nyugdíjcélú Életív Program esetén az alapértelmezett tartam nem térhet el a nyugdíjazásig hátralévő időtől!\",IF(AND(AB45<>\"\",OR(AND(AO49=6,AB45<AP49),AND(AO49<>6,AB45<AP49))),IF(AB45<AO55,\"A megadott adatokkal nem kalkulálható a minimumdíjat elérő biztosítási konstrukció!\",\"Nem kalkulálható a minimumdíjat elérő biztosítási konstrukció! Kérem, fontolja meg ÖNYP megtakarítás indítását!\"),\"\")))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,48,96,null,{"$f":"IF(Q39=6,\"egyszeri díj\",\"megtakarítási díjrész\")","v":"megtakarítási díjrész"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,49,98,null,3,8000]
[null,{"$f":"IF(AB45=\"\",\"\",\"A megadott adatok becsült hozamokon alapulnak, a jelzett összegekre a Groupama Garancia Biztosító Zrt. nem vállal garanciát!\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,50,100]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Fedezni kívánt"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ABS(I34)","v":47095.050536333962},"/hó"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"önyp minimum"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5000]

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[]
[]
[]
[null,null,null,"Kiegészítő biztosításokba bevont biztosítottak száma",0]
[]
["1. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A14<MAX(I17:I17),A14>MIN(J17:J17)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I17:I17)&\"-\"&MIN(J17:J17)&\" év közé kell esnie!\",\"\")","v":""}]
[1]
[{"$f":"YEAR(TODAY())-E14","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A14+'Egyszeri Életív'!$AA$7>MIN(K17:K17),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K17:K17)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,0,null,{"$f":"IF(E17+F17>0,18,2)","v":2},{"$f":"IF(E17+F17>0,65,80)","v":80},{"$f":"IF(E17+F17>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A13>$E$8,0,G17)","v":0}]
[]
["2. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A24<MAX(I27:I27),A24>MIN(J27:J27)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I27:I27)&\"-\"&MIN(J27:J27)&\" év közé kell esnie!\",\"\")","v":""}]
[2]
[{"$f":"YEAR(TODAY())-E24","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A24+'Egyszeri Életív'!$AA$7>MIN(K27),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K27)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,0,null,{"$f":"IF(E27+F27>0,18,2)","v":2},{"$f":"IF(E27+F27>0,65,80)","v":80},{"$f":"IF(E27+F27>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A23>$E$8,0,G27)","v":0}]
[]
["3. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A34<MAX(I37:I37),A34>MIN(J37:J37)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I37:I37)&\"-\"&MIN(J37:J37)&\" év közé kell esnie!\",\"\")","v":""}]
[3]
[{"$f":"YEAR(TODAY())-E34","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A34+'Egyszeri Életív'!$AA$7>MIN(K37),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K37)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,0,null,{"$f":"IF(E37+F37>0,18,2)","v":2},{"$f":"IF(E37+F37>0,65,80)","v":80},{"$f":"IF(E37+F37>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A33>$E$8,0,G37)","v":0}]
[]
["4. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A44<MAX(I47:I47),A44>MIN(J47:J47)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I47:I47)&\"-\"&MIN(J47:J47)&\" év közé kell esnie!\",\"\")","v":""}]
[4]
[{"$f":"YEAR(TODAY())-E44","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A44+'Egyszeri Életív'!$AA$7>MIN(K47),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K47)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,0,null,{"$f":"IF(E47+F47>0,18,2)","v":2},{"$f":"IF(E47+F47>0,65,80)","v":80},{"$f":"IF(E47+F47>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A43>$E$8,0,G47)","v":0}]
[]
["5. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A54<MAX(I57:I57),A54>MIN(J57:J57)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I57:I57)&\"-\"&MIN(J57:J57)&\" év közé kell esnie!\",\"\")","v":""}]
[5]
[{"$f":"YEAR(TODAY())-E54","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A54+'Egyszeri Életív'!$AA$7>MIN(K57),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K57)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,0,null,{"$f":"IF(E57+F57>0,18,2)","v":2},{"$f":"IF(E57+F57>0,65,80)","v":80},{"$f":"IF(E57+F57>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A53>$E$8,0,G57)","v":0}]
[]
["6. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A64<MAX(I67:I67),A64>MIN(J67:J67)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I67:I67)&\"-\"&MIN(J67:J67)&\" év közé kell esnie!\",\"\")","v":""}]
[6]
[{"$f":"YEAR(TODAY())-E64","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A64+'Egyszeri Életív'!$AA$7>MIN(K67),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K67)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,0,null,{"$f":"IF(E67+F67>0,18,2)","v":2},{"$f":"IF(E67+F67>0,65,80)","v":80},{"$f":"IF(E67+F67>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A63>$E$8,0,G67)","v":0}]
[]
["7. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A74<MAX(I77:I77),A74>MIN(J77:J77)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I77:I77)&\"-\"&MIN(J77:J77)&\" év közé kell esnie!\",\"\")","v":""}]
[7]
[{"$f":"YEAR(TODAY())-E74","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A74+'Egyszeri Életív'!$AA$7>MIN(K77),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K77)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,0,null,{"$f":"IF(E77+F77>0,18,2)","v":2},{"$f":"IF(E77+F77>0,65,80)","v":80},{"$f":"IF(E77+F77>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A73>$E$8,0,G77)","v":0}]
[]
["8. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A84<MAX(I87:I87),A84>MIN(J87:J87)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I87:I87)&\"-\"&MIN(J87:J87)&\" év közé kell esnie!\",\"\")","v":""}]
[8]
[{"$f":"YEAR(TODAY())-E84","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A84+'Egyszeri Életív'!$AA$7>MIN(K87),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K87)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,0,null,{"$f":"IF(E87+F87>0,18,2)","v":2},{"$f":"IF(E87+F87>0,65,80)","v":80},{"$f":"IF(E87+F87>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A83>$E$8,0,G87)","v":0}]
[]
["9. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A94<MAX(I97:I97),A94>MIN(J97:J97)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I97:I97)&\"-\"&MIN(J97:J97)&\" év közé kell esnie!\",\"\")","v":""}]
[9]
[{"$f":"YEAR(TODAY())-E94","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A94+'Egyszeri Életív'!$AA$7>MIN(K97),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K97)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,0,null,{"$f":"IF(E97+F97>0,18,2)","v":2},{"$f":"IF(E97+F97>0,65,80)","v":80},{"$f":"IF(E97+F97>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A93>$E$8,0,G97)","v":0}]
[]
["10. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A104<MAX(I107:I107),A104>MIN(J107:J107)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I107:I107)&\"-\"&MIN(J107:J107)&\" év közé kell esnie!\",\"\")","v":""}]
[10]
[{"$f":"YEAR(TODAY())-E104","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A104+'Egyszeri Életív'!$AA$7>MIN(K107),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K107)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,0,null,{"$f":"IF(E107+F107>0,18,2)","v":2},{"$f":"IF(E107+F107>0,65,80)","v":80},{"$f":"IF(E107+F107>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A103>$E$8,0,G107)","v":0}]

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[]
[]
[]
[]
[]
[null,null,null,"Kiegészítő biztosításokba bevont biztosítottak száma",0]
[]
["1. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A14<MAX(I17:I17),A14>MIN(J17:J17)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I17:I17)&\"-\"&MIN(J17:J17)&\" év közé kell esnie!\",\"\")","v":""}]
[1]
[{"$f":"YEAR(TODAY())-E14","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A14+'Egyszeri Nyugdíjcélú Életív'!$AD$7>MIN(K17:K17),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K17:K17)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,{"$f":"IF(SUM(E17:F17)=0,0,INDEX('GB105 - egyszeri'!$B$5:$V$52,A14-17,'Egyszeri Nyugdíjcélú Életív'!$AD$7-4)*(SUM(E17:F17)/10000))","v":0},null,{"$f":"IF(E17+F17>0,18,2)","v":2},{"$f":"IF(E17+F17>0,65,80)","v":80},{"$f":"IF(E17+F17>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A13>$E$8,0,G17)","v":0}]
[]
["2. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A24<MAX(I27:I27),A24>MIN(J27:J27)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I27:I27)&\"-\"&MIN(J27:J27)&\" év közé kell esnie!\",\"\")","v":""}]
[2]
[{"$f":"YEAR(TODAY())-E24","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A24+'Egyszeri Nyugdíjcélú Életív'!$AD$7>MIN(K27:K27),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K27:K27)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,{"$f":"IF(SUM(E27:F27)=0,0,INDEX('GB105 - egyszeri'!$B$5:$V$52,A24-17,'Egyszeri Nyugdíjcélú Életív'!$AD$7-4)*(SUM(E27:F27)/10000))","v":0},null,{"$f":"IF(E27+F27>0,18,2)","v":2},{"$f":"IF(E27+F27>0,65,80)","v":80},{"$f":"IF(E27+F27>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A23>$E$8,0,G27)","v":0}]
[]
["3. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A34<MAX(I37:I37),A34>MIN(J37:J37)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I37:I37)&\"-\"&MIN(J37:J37)&\" év közé kell esnie!\",\"\")","v":""}]
[3]
[{"$f":"YEAR(TODAY())-E34","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A34+'Egyszeri Nyugdíjcélú Életív'!$AD$7>MIN(K37:K37),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K37:K37)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,{"$f":"IF(SUM(E37:F37)=0,0,INDEX('GB105 - egyszeri'!$B$5:$V$52,A34-17,'Egyszeri Nyugdíjcélú Életív'!$AD$7-4)*(SUM(E37:F37)/10000))","v":0},null,{"$f":"IF(E37+F37>0,18,2)","v":2},{"$f":"IF(E37+F37>0,65,80)","v":80},{"$f":"IF(E37+F37>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A33>$E$8,0,G37)","v":0}]
[]
["4. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A44<MAX(I47:I47),A44>MIN(J47:J47)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I47:I47)&\"-\"&MIN(J47:J47)&\" év közé kell esnie!\",\"\")","v":""}]
[4]
[{"$f":"YEAR(TODAY())-E44","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A44+'Egyszeri Nyugdíjcélú Életív'!$AD$7>MIN(K47:K47),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K47:K47)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,{"$f":"IF(SUM(E47:F47)=0,0,INDEX('GB105 - egyszeri'!$B$5:$V$52,A44-17,'Egyszeri Nyugdíjcélú Életív'!$AD$7-4)*(SUM(E47:F47)/10000))","v":0},null,{"$f":"IF(E47+F47>0,18,2)","v":2},{"$f":"IF(E47+F47>0,65,80)","v":80},{"$f":"IF(E47+F47>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A43>$E$8,0,G47)","v":0}]
[]
["5. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A54<MAX(I57:I57),A54>MIN(J57:J57)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I57:I57)&\"-\"&MIN(J57:J57)&\" év közé kell esnie!\",\"\")","v":""}]
[5]
[{"$f":"YEAR(TODAY())-E54","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A54+'Egyszeri Nyugdíjcélú Életív'!$AD$7>MIN(K57:K57),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K57:K57)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,{"$f":"IF(SUM(E57:F57)=0,0,INDEX('GB105 - egyszeri'!$B$5:$V$52,A54-17,'Egyszeri Nyugdíjcélú Életív'!$AD$7-4)*(SUM(E57:F57)/10000))","v":0},null,{"$f":"IF(E57+F57>0,18,2)","v":2},{"$f":"IF(E57+F57>0,65,80)","v":80},{"$f":"IF(E57+F57>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A53>$E$8,0,G57)","v":0}]
[]
["6. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A64<MAX(I67:I67),A64>MIN(J67:J67)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I67:I67)&\"-\"&MIN(J67:J67)&\" év közé kell esnie!\",\"\")","v":""}]
[6]
[{"$f":"YEAR(TODAY())-E64","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A64+'Egyszeri Nyugdíjcélú Életív'!$AD$7>MIN(K67:K67),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K67:K67)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,{"$f":"IF(SUM(E67:F67)=0,0,INDEX('GB105 - egyszeri'!$B$5:$V$52,A64-17,'Egyszeri Nyugdíjcélú Életív'!$AD$7-4)*(SUM(E67:F67)/10000))","v":0},null,{"$f":"IF(E67+F67>0,18,2)","v":2},{"$f":"IF(E67+F67>0,65,80)","v":80},{"$f":"IF(E67+F67>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A63>$E$8,0,G67)","v":0}]
[]
["7. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A74<MAX(I77:I77),A74>MIN(J77:J77)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I77:I77)&\"-\"&MIN(J77:J77)&\" év közé kell esnie!\",\"\")","v":""}]
[7]
[{"$f":"YEAR(TODAY())-E74","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A74+'Egyszeri Nyugdíjcélú Életív'!$AD$7>MIN(K77:K77),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K77:K77)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,{"$f":"IF(SUM(E77:F77)=0,0,INDEX('GB105 - egyszeri'!$B$5:$V$52,A74-17,'Egyszeri Nyugdíjcélú Életív'!$AD$7-4)*(SUM(E77:F77)/10000))","v":0},null,{"$f":"IF(E77+F77>0,18,2)","v":2},{"$f":"IF(E77+F77>0,65,80)","v":80},{"$f":"IF(E77+F77>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A73>$E$8,0,G77)","v":0}]
[]
["8. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A84<MAX(I87:I87),A84>MIN(J87:J87)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I87:I87)&\"-\"&MIN(J87:J87)&\" év közé kell esnie!\",\"\")","v":""}]
[8]
[{"$f":"YEAR(TODAY())-E84","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A84+'Egyszeri Nyugdíjcélú Életív'!$AD$7>MIN(K87:K87),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K87:K87)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,{"$f":"IF(SUM(E87:F87)=0,0,INDEX('GB105 - egyszeri'!$B$5:$V$52,A84-17,'Egyszeri Nyugdíjcélú Életív'!$AD$7-4)*(SUM(E87:F87)/10000))","v":0},null,{"$f":"IF(E87+F87>0,18,2)","v":2},{"$f":"IF(E87+F87>0,65,80)","v":80},{"$f":"IF(E87+F87>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A83>$E$8,0,G87)","v":0}]
[]
["9. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A94<MAX(I97:I97),A94>MIN(J97:J97)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I97:I97)&\"-\"&MIN(J97:J97)&\" év közé kell esnie!\",\"\")","v":""}]
[9]
[{"$f":"YEAR(TODAY())-E94","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A94+'Egyszeri Nyugdíjcélú Életív'!$AD$7>MIN(K97:K97),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K97:K97)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,{"$f":"IF(SUM(E97:F97)=0,0,INDEX('GB105 - egyszeri'!$B$5:$V$52,A94-17,'Egyszeri Nyugdíjcélú Életív'!$AD$7-4)*(SUM(E97:F97)/10000))","v":0},null,{"$f":"IF(E97+F97>0,18,2)","v":2},{"$f":"IF(E97+F97>0,65,80)","v":80},{"$f":"IF(E97+F97>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A93>$E$8,0,G97)","v":0}]
[]
["10. biztosított"]
[]
[null,null,null,null,null,{"$f":"IF(OR(A104<MAX(I107:I107),A104>MIN(J107:J107)),\"Az alábbi kiegészítő biztosításokkal a belépési életkornak \"&MAX(I107:I107)&\"-\"&MIN(J107:J107)&\" év közé kell esnie!\",\"\")","v":""}]
[10]
[{"$f":"YEAR(TODAY())-E104","v":29},null,null,"Biztosított születési éve",1985,{"$f":"IF(A104+'Egyszeri Nyugdíjcélú Életív'!$AD$7>MIN(K107:K107),\"Az alábbi kiegészítő biztosításokkal a kilépési életkor legfeljebb \"&MIN(K107:K107)&\" év lehet!\",\"\")","v":""}]
[]
[null,null,null,null,"Biztosítási szolgáltatás",null,"Tarifális díj",null,"Belkormin","Belkormax","Kilkor"]
[null,null,null,"Kockázati élet (GB105)",0,null,{"$f":"IF(SUM(E107:F107)=0,0,INDEX('GB105 - egyszeri'!$B$5:$V$52,A104-17,'Egyszeri Nyugdíjcélú Életív'!$AD$7-4)*(SUM(E107:F107)/10000))","v":0},null,{"$f":"IF(E107+F107>0,18,2)","v":2},{"$f":"IF(E107+F107>0,65,80)","v":80},{"$f":"IF(E107+F107>0,75,90)","v":90}]
[null,null,null,"Kiegészítő biztosítás fizetendő egyszeri díja",null,null,{"$f":"IF(A103>$E$8,0,G107)","v":0}]

{"sheet":"GB100","index":31,"n_rows":52,"n_cols":22,"rows_kept":52,"cut":false,"hidden":true,"merged":[[0,0,0,10]]}
["GB100 pótlólagos kifizetésű, rettegett betegségek esetére szóló kiegészítő biztosítás kezdeti havi díja "]
["(100 Ft kezdeti biztosítási összegre)"]
[]
["Kor",5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25]
[18,3.5000000000000003E-2,3.5000000000000003E-2,3.5499999999999997E-2,3.5499999999999997E-2,3.6499999999999998E-2,3.6999999999999998E-2,3.6999999999999998E-2,3.7999999999999999E-2,3.85E-2,3.85E-2,3.95E-2,3.95E-2,4.0500000000000001E-2,4.0500000000000001E-2,4.1500000000000002E-2,4.1500000000000002E-2,4.2500000000000003E-2,4.2999999999999997E-2,4.3499999999999997E-2,4.4499999999999998E-2,4.5499999999999999E-2]
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[20,3.6499999999999998E-2,3.6999999999999998E-2,3.6999999999999998E-2,3.7999999999999999E-2,3.85E-2,3.85E-2,3.95E-2,0.04,4.0500000000000001E-2,4.1000000000000002E-2,4.1500000000000002E-2,4.2000000000000003E-2,4.2999999999999997E-2,4.2999999999999997E-2,4.3999999999999997E-2,4.4499999999999998E-2,4.5499999999999999E-2,4.5499999999999999E-2,4.7E-2,4.8000000000000001E-2,4.9000000000000002E-2]
[21,3.7999999999999999E-2,3.7999999999999999E-2,3.85E-2,3.9E-2,3.95E-2,0.04,4.1000000000000002E-2,4.1000000000000002E-2,4.2000000000000003E-2,4.2000000000000003E-2,4.2999999999999997E-2,4.2999999999999997E-2,4.3999999999999997E-2,4.4999999999999998E-2,4.4999999999999998E-2,4.5999999999999999E-2,4.65E-2,4.7500000000000001E-2,4.8500000000000001E-2,0.05,5.0999999999999997E-2]
[22,3.95E-2,3.95E-2,3.95E-2,0.04,4.1000000000000002E-2,4.1000000000000002E-2,4.2000000000000003E-2,4.2500000000000003E-2,4.2999999999999997E-2,4.3499999999999997E-2,4.3999999999999997E-2,4.4499999999999998E-2,4.4999999999999998E-2,4.5999999999999999E-2,4.7E-2,4.7500000000000001E-2,4.8500000000000001E-2,4.9500000000000002E-2,5.0999999999999997E-2,5.1999999999999998E-2,5.3499999999999999E-2]
[23,0.04,4.1000000000000002E-2,4.1000000000000002E-2,4.1500000000000002E-2,4.2000000000000003E-2,4.2500000000000003E-2,4.2999999999999997E-2,4.3499999999999997E-2,4.4499999999999998E-2,4.4499999999999998E-2,4.5499999999999999E-2,4.5999999999999999E-2,4.7E-2,4.8000000000000001E-2,4.8500000000000001E-2,4.9500000000000002E-2,5.0500000000000003E-2,5.1499999999999997E-2,5.2999999999999999E-2,5.45E-2,5.5500000000000001E-2]
[24,4.1500000000000002E-2,4.1500000000000002E-2,4.2000000000000003E-2,4.2500000000000003E-2,4.3499999999999997E-2,4.3499999999999997E-2,4.4499999999999998E-2,4.4499999999999998E-2,4.5499999999999999E-2,4.65E-2,4.7E-2,4.7500000000000001E-2,4.8000000000000001E-2,4.9500000000000002E-2,5.0500000000000003E-2,5.1499999999999997E-2,5.2499999999999998E-2,5.3999999999999999E-2,5.5500000000000001E-2,5.6500000000000002E-2,5.8000000000000003E-2]
[25,4.2500000000000003E-2,4.2999999999999997E-2,4.3499999999999997E-2,4.3999999999999997E-2,4.4499999999999998E-2,4.4999999999999998E-2,4.5499999999999999E-2,4.65E-2,4.7500000000000001E-2,4.7500000000000001E-2,4.8500000000000001E-2,4.9000000000000002E-2,0.05,5.1499999999999997E-2,5.2499999999999998E-2,5.3499999999999999E-2,5.5E-2,5.6500000000000002E-2,5.8000000000000003E-2,5.8999999999999997E-2,6.1499999999999999E-2]
[26,4.3999999999999997E-2,4.4499999999999998E-2,4.4499999999999998E-2,4.4999999999999998E-2,4.5999999999999999E-2,4.65E-2,4.7E-2,4.7500000000000001E-2,4.8500000000000001E-2,4.9000000000000002E-2,0.05,5.0999999999999997E-2,5.2499999999999998E-2,5.3499999999999999E-2,5.5E-2,5.6000000000000001E-2,5.7500000000000002E-2,5.8999999999999997E-2,6.0499999999999998E-2,6.25E-2,6.4000000000000001E-2]
[27,4.5499999999999999E-2,4.5999999999999999E-2,4.5999999999999999E-2,4.65E-2,4.7500000000000001E-2,4.7500000000000001E-2,4.8500000000000001E-2,4.9500000000000002E-2,0.05,5.0999999999999997E-2,5.1999999999999998E-2,5.3499999999999999E-2,5.45E-2,5.6000000000000001E-2,5.7000000000000002E-2,5.8500000000000003E-2,0.06,6.1499999999999999E-2,6.3500000000000001E-2,6.5000000000000002E-2,6.7000000000000004E-2]
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{"sheet":"GB101","index":32,"n_rows":52,"n_cols":22,"rows_kept":52,"cut":false,"hidden":true,"merged":[]}
["GB101 díjfizetés átvállalására szóló kiegészítő biztosítás rettegett betegségek esetére kezdeti havi díja "]
["(a főbiztosítás megtakarítási díjrészének százalékában, azaz 100 Ft/hó megtakarítási díjrész esetén 1 havi díj)"]
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["Kórházi szolgáltatásokra szóló kiegészítő biztosítás szolgáltatások havi bruttó díjai "]
[" "]
[null,"Kórházi napi térítés"]
[null,"Biztosítási összeg",100]
[]
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{"sheet":"GB103M","index":34,"n_rows":53,"n_cols":3,"rows_kept":53,"cut":false,"hidden":true,"merged":[[2,1,2,2]]}
["Kórházi szolgáltatásokra szóló kiegészítő biztosítás szolgáltatások havi bruttó díjai "]
[" "]
[null,"Műtéti támogatás"]
[null,"Biztosítási összeg",100]
[]
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{"sheet":"GB104","index":35,"n_rows":50,"n_cols":2,"rows_kept":50,"cut":false,"hidden":true,"merged":[[2,1,2,2]]}
["Keresőképtelenség esetére szóló jövedelemkiegészítő biztosítás nettó és bruttó díjai 100 Ft biztosítási összegre"]
[]
[null,"Havi bruttó díjak"]
[]
[]
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[62,233.11]

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["Kiegészítő Kockázati Biztosítás"]
["Havi díjak 100 Ft biztosítási összegre"]
[]
["Kor",5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25]
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["Kiegészítő Kockázati Biztosítás"]
["Egyszeri díjak 10.000 Ft biztosítási összegre"]
[]
["Kor",5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25]
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{"sheet":"GB106","index":38,"n_rows":52,"n_cols":22,"rows_kept":52,"cut":false,"hidden":true,"merged":[]}
["GB106 díjfizetés átvállalására szóló kiegészítő biztosítás kezdeti havi díja"]
["(a főbiztosítás megtakarítási díjrészének százalékában, azaz 100 Ft/hó megtakarítási díjrész esetén 1 havi díj)"]
[]
["Kor",5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25]
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[38,3.59,3.88,4.18,4.5199999999999996,4.91,5.27,5.68,6.1,6.56,7.01,7.5,8.02,8.56,9.14,9.7200000000000006,10.33,10.98,11.66,12.38,13.14,13.93]
[39,3.72,4.05,4.38,4.75,5.16,5.56,6,6.47,6.96,7.45,7.97,8.5299999999999994,9.1199999999999992,9.74,10.36,11.02,11.72,12.46,13.23,14.04,14.91]
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[41,4,4.38,4.7699999999999996,5.22,5.7,6.16,6.68,7.21,7.8,8.36,8.98,9.6199999999999992,10.3,11.01,11.74,12.5,13.31,14.16,15.06,16.010000000000002,17.010000000000002]
[42,4.1399999999999997,4.5599999999999996,4.9800000000000004,5.46,5.98,6.48,7.04,7.61,8.24,8.85,9.51,10.199999999999999,10.93,11.7,12.48,13.3,14.17,15.09,16.05,17.07,18.149999999999999]
[43,4.29,4.74,5.2,5.71,6.28,6.81,7.42,8.0399999999999991,8.7100000000000009,9.36,10.07,10.82,11.61,12.43,13.27,14.16,15.1,16.079999999999998,17.12,18.23,19.39]
[44,4.45,4.93,5.43,5.99,6.59,7.18,7.82,8.49,9.2100000000000009,9.91,10.68,11.48,12.32,13.21,14.12,15.07,16.079999999999998,17.149999999999999,18.27,19.47,20.72]
[45,4.62,5.14,5.68,6.28,6.93,7.55,8.25,8.9700000000000006,9.74,10.5,11.31,12.18,13.09,14.04,15.02,16.05,17.14,18.29,19.510000000000002,20.79,22.15]
[46,4.8,5.36,5.94,6.59,7.28,7.96,8.7100000000000009,9.4700000000000006,10.3,11.12,11.99,12.92,13.9,14.94,15.99,17.100000000000001,18.27,19.52,20.83,22.23,23.7]
[47,4.99,5.6,6.22,6.91,7.66,8.3800000000000008,9.19,10.01,10.9,11.77,12.72,13.72,14.78,15.89,17.03,18.22,19.5,20.84,22.26,23.76,25.35]
[48,5.19,5.85,6.51,7.25,8.0500000000000007,8.83,9.69,10.58,11.54,12.48,13.49,14.57,15.71,16.91,18.14,19.43,20.81,22.26,23.8,25.43,27.15]
[49,5.41,6.1,6.82,7.61,8.4700000000000006,9.3000000000000007,10.220000000000001,11.18,12.21,13.22,14.32,15.48,16.71,18.010000000000002,19.34,20.74,22.22,23.79,25.46,27.22,29.08]
[50,5.62,6.37,7.13,7.99,8.91,9.8000000000000007,10.79,11.82,12.92,14.02,15.2,16.45,17.78,19.190000000000001,20.62,22.14,23.75,25.45,27.25,29.16,31.18]
[51,5.86,6.66,7.47,8.3800000000000008,9.3699999999999992,10.33,11.4,12.5,13.69,14.87,16.149999999999999,17.510000000000002,18.940000000000001,20.46,22.02,23.66,25.4,27.25,29.2,31.27,0]
[52,6.1,6.95,7.83,8.81,9.8699999999999992,10.9,12.04,13.24,14.52,15.8,17.18,18.649999999999999,20.2,21.85,23.53,25.31,27.2,29.21,31.32,0,0]
[53,6.36,7.27,8.2200000000000006,9.27,10.4,11.52,12.75,14.04,15.42,16.8,18.3,19.89,21.57,23.36,25.18,27.12,29.16,31.33,0,0,0]
[54,6.64,7.62,8.6300000000000008,9.76,10.98,12.19,13.52,14.91,16.41,17.899999999999999,19.53,21.25,23.07,25.01,26.99,29.09,31.31,0,0,0,0]
[55,6.94,7.99,9.08,10.3,11.61,12.92,14.36,15.86,17.489999999999998,19.11,20.87,22.73,24.71,26.82,28.97,31.25,0,0,0,0,0]
[56,7.26,8.4,9.57,10.88,12.3,13.71,15.27,16.899999999999999,18.66,20.420000000000002,22.33,24.36,26.51,28.8,31.13,0,0,0,0,0,0]
[57,7.61,8.84,10.1,11.51,13.05,14.58,16.27,18.04,19.95,21.86,23.93,26.13,28.48,30.97,0,0,0,0,0,0,0]
[58,8,9.32,10.69,12.22,13.89,15.54,17.37,19.29,21.37,23.44,25.69,28.09,30.64,0,0,0,0,0,0,0,0]
[59,8.42,9.86,11.34,13,14.81,16.600000000000001,18.59,20.66,22.92,25.18,27.63,30.24,0,0,0,0,0,0,0,0,0]
[60,8.9,10.46,12.06,13.86,15.81,17.760000000000002,19.920000000000002,22.18,24.64,27.09,29.77,0,0,0,0,0,0,0,0,0,0]
[61,9.43,11.1,12.84,14.79,16.91,19.03,21.38,23.83,26.51,29.19,0,0,0,0,0,0,0,0,0,0,0]
[62,9.99,11.81,13.7,15.81,18.11,20.41,22.97,25.65,28.57,0,0,0,0,0,0,0,0,0,0,0,0]
[63,10.61,12.59,14.63,16.920000000000002,19.420000000000002,21.92,24.71,27.63,0,0,0,0,0,0,0,0,0,0,0,0,0]
[64,11.29,13.42,15.64,18.13,20.85,23.58,26.62,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[65,12.01,14.33,16.739999999999998,19.45,22.42,25.39,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]

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[]
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[]
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[null,null,"Szolgálati idő jövedelme",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Alap vs. Részletes","munkába állás"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(Nyugdíjprogram!K14=\"Alapértelmezett\",1,2)","v":1},{"$f":"+Nyugdíjprogram!L22-Nyugdíjprogram!K10","v":1990}]
[null,null,null,"Év",null,null,"Bruttó éves jövedelem",null,null,null,null,null,null,null,"Prémium jellegű jövedelem",null,null,null,null,"Kieső napok",null,null,"Figyelembe vehető nettó kereset",null,null,null,null,"Valorizált jövedelem"]
[null,null,null,null,null,null,"Alap",null,null,null,"Részletes",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Éves bér (alap)","Infláció","Tény infláció","Felhasznált jöv"," ","Szja alap","Szja \nszámítása","Valorizációs szorzók 2013-ban",null,"reálbér alakulás"]
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