{"id":1104,"date":"2022-12-19T11:54:05","date_gmt":"2022-12-19T10:54:05","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1104"},"modified":"2023-01-04T09:19:46","modified_gmt":"2023-01-04T08:19:46","slug":"jak-na-pojisteni-urazu-a-invalidity","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/jak-na-pojisteni-urazu-a-invalidity\/","title":{"rendered":"Jak na poji\u0161t\u011bn\u00ed \u00farazu a invalidity"},"content":{"rendered":"\n<p>Mo\u017en\u00e1 u\u017e m\u00e1te sjednan\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad \u00famrt\u00ed nebo v\u00e1\u017en\u00e9 nemoci. P\u0159esto byste nem\u011bli zapom\u00ednat na dal\u0161\u00ed situace, p\u0159i kter\u00fdch v\u00e1m a va\u0161\u00ed rodin\u011b v\u00fdrazn\u011b klesnou p\u0159\u00edjmy. Pat\u0159\u00ed sem hlavn\u011b poji\u0161t\u011bn\u00ed \u00farazu a invalidity.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-poji-t-n-razu\">Poji\u0161t\u011bn\u00ed \u00farazu<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-trval-n-sledky-razu\">Trval\u00e9 n\u00e1sledky \u00farazu<\/a><\/li><li class=\"\"><a href=\"#htoc-pozor-na-podm-nky-jednotliv-ch-poji-oven\">Pozor na podm\u00ednky jednotliv\u00fdch poji\u0161\u0165oven<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-poji-t-n-invalidity\">Poji\u0161t\u011bn\u00ed invalidity<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-pojistn-pln-n-v-p-pad-invalidity\">Pojistn\u00e9 pln\u011bn\u00ed v p\u0159\u00edpad\u011b invalidity<\/a><\/li><li class=\"\"><a href=\"#htoc-vyplat-hned-poji-ovna-100-pojistn-stky\">Vyplat\u00ed hned poji\u0161\u0165ovna 100 % pojistn\u00e9 \u010d\u00e1stky?<\/a><\/li><li class=\"\"><a href=\"#htoc-v-luky-v-poji-t-n-invalidity\">V\u00fdluky v poji\u0161t\u011bn\u00ed invalidity<\/a><\/li><li class=\"\"><a href=\"#htoc-ekac-doba-u-poji-t-n-invalidity\">\u010cekac\u00ed doba u poji\u0161t\u011bn\u00ed invalidity<\/a><\/li><li class=\"\"><a href=\"#htoc-pozor-na-ne-ekanou-v-pov\">Pozor na ne\u010dekanou v\u00fdpov\u011b\u010f<\/a><\/li><\/ul><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-poji-t-n-razu\"><strong>Poji\u0161t\u011bn\u00ed \u00farazu<\/strong><\/h2>\n\n\n\n<p>Lid\u00e9 \u010dasto \u0159e\u0161\u00ed <strong>od\u0161kodn\u011bn\u00ed za drobn\u00e9 \u00farazy<\/strong>. D\u00e1v\u00e1 to ur\u010dit\u00fd smysl \u2013 pravd\u011bpodobnost, \u017ee se v\u00e1m stane n\u011bjak\u00fd drobn\u00fd \u00faraz, je pom\u011brn\u011b velk\u00e1. Ka\u017ed\u00fd z n\u00e1s si ob\u010das n\u011bco podvrtne nebo se t\u0159eba \u0159\u00edzne. Proto spousta lid\u00ed pojistku hodnot\u00ed pr\u00e1v\u011b podle od\u0161kodn\u011bn\u00ed za mal\u00e1 rizika.<\/p>\n\n\n\n<p><strong>Poji\u0161t\u011bn\u00ed se u drobn\u00fdch rizik li\u0161\u00ed podle v\u00fdplaty od\u0161kodn\u00e9ho:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Denn\u00ed od\u0161kodn\u00e9.<\/strong> V tomto p\u0159\u00edpad\u011b je rozhoduj\u00edc\u00ed po\u010det dn\u00ed, b\u011bhem kter\u00fdch \u00faraz l\u00e9\u010d\u00edte. Dny se vyn\u00e1sob\u00ed pojistnou \u010d\u00e1stkou (nap\u0159\u00edklad 500 K\u010d denn\u011b) \u2013 ve smlouv\u011b m\u00e1te ale stanoven\u00fd maxim\u00e1ln\u00ed po\u010det dn\u00ed. N\u011bkter\u00e9 poji\u0161\u0165ovny dokonce ne\u010dekaj\u00ed na dol\u00e9\u010den\u00ed a rovnou pln\u00ed dan\u00e9 maximum.<\/li>\n\n\n\n<li><strong>T\u011blesn\u00e9 po\u0161kozen\u00ed.<\/strong> L\u00e9ka\u0159 v\u00e1\u0161 \u00faraz ohodnot\u00ed ur\u010dit\u00fdm procentem \u2013 do jak\u00e9 m\u00edry bylo va\u0161e t\u011blo po\u0161kozeno. Vy pak od poji\u0161\u0165ovny dostanete od\u0161kodn\u00e9, kter\u00e9 odpov\u00edd\u00e1 dan\u00e9mu procentu z pojistn\u00e9 \u010d\u00e1stky. Pokud m\u00e1te stanovenou pojistnou \u010d\u00e1stku 200 000 K\u010d a l\u00e9ka\u0159 stanov\u00ed po\u0161kozen\u00ed na 20 %, poji\u0161\u0165ovna v\u00e1m vyplat\u00ed 40 000 K\u010d.<\/li>\n<\/ul>\n\n\n\n<p>Drobn\u00e1 rizika jsou ale v poji\u0161t\u011bn\u00ed <strong>velmi drah\u00e1 <\/strong>a v\u011bt\u0161ina z n\u00e1s se bez finan\u010dn\u00ed pomoci po drobn\u00e9m \u00farazu bez probl\u00e9mu obejde. Naopak, udr\u017eet \u017eivotn\u00ed standard rodiny i v p\u0159\u00edpad\u011b, \u017ee nebudete moct chodit do pr\u00e1ce, to je v\u00fdrazn\u011b t\u011b\u017e\u0161\u00ed \u00fakol.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-trval-n-sledky-razu\"><strong>Trval\u00e9 n\u00e1sledky \u00farazu<\/strong><\/h3>\n\n\n\n<p>V\u00fdhodn\u011bj\u0161\u00ed je pojistit si v\u00e1\u017en\u011bj\u0161\u00ed \u00farazy. I proto by v \u017e\u00e1dn\u00e9 pojistce nem\u011blo chyb\u011bt riziko trval\u00fdch n\u00e1sledk\u016f \u00farazu. V tomto p\u0159\u00edpad\u011b poji\u0161\u0165ovna pln\u00ed, pokud&nbsp; l\u00e9ka\u0159 dojde k z\u00e1v\u011bru, \u017ee <strong>do\u0161lo k trval\u00e9mu po\u0161kozen\u00ed a u\u017e se nevyl\u00e9\u010d\u00edte do p\u016fvodn\u00edho stavu<\/strong>.<\/p>\n\n\n\n<p><strong>Poji\u0161\u0165ovny v p\u0159\u00edpad\u011b trval\u00fdch n\u00e1sledk\u016f pln\u00ed dvoj\u00edm zp\u016fsobem:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Od poji\u0161\u0165ovny dostanete \u010d\u00e1stku, kter\u00e1 odpov\u00edd\u00e1 p\u0159\u00edslu\u0161n\u00e9mu procentu n\u00e1sledk\u016f ze sjednan\u00e9 pojistn\u00e9 \u010d\u00e1stky. Toto procento ur\u010duje smluvn\u00ed l\u00e9ka\u0159 poji\u0161\u0165ovny. Tak to funguje u takzvan\u00e9<strong> line\u00e1rn\u00ed v\u00fdplaty poji\u0161t\u011bn\u00ed<\/strong>.<\/li>\n\n\n\n<li>\u010cast\u011bji se ale sjedn\u00e1v\u00e1 takzvan\u00e9 <strong>progresivn\u00ed pln\u011bn\u00ed<\/strong>. Poji\u0161\u0165ovna v\u00e1m vyplat\u00ed n\u011bkolikan\u00e1sobek pojistn\u00e9 \u010d\u00e1stky. Ta se zvy\u0161uje v z\u00e1vislosti na rozsahu trval\u00fdch n\u00e1sledk\u016f a u n\u011bkter\u00fdch poji\u0161\u0165oven m\u016f\u017ee b\u00fdt a\u017e desetin\u00e1sobn\u00e1. Jak vysok\u00e1 bude, se dozv\u00edte z oce\u0148ovac\u00edch tabulek dan\u00e9 poji\u0161\u0165ovny.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background\">P\u0159\u00edklad: Progrese u poji\u0161\u0165ovny za\u010d\u00edn\u00e1 na 20 % po\u0161kozen\u00ed t\u011bla \u2013 v takov\u00e9m p\u0159\u00edpad\u011b poji\u0161\u0165ovna vyplat\u00ed dvojn\u00e1sobek. U n\u00e1sledk\u016f pokr\u00fdvaj\u00edc\u00edch 30 % pak vyplat\u00ed trojn\u00e1sobek, u 40 % \u010dty\u0159n\u00e1sobek a tak d\u00e1le.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-pozor-na-podm-nky-jednotliv-ch-poji-oven\"><strong>Pozor na podm\u00ednky jednotliv\u00fdch poji\u0161\u0165oven<\/strong><\/h3>\n\n\n\n<p>U n\u011bkter\u00fdch poji\u0161\u0165oven se setk\u00e1te s pojmem \u201epam\u011b\u0165\u201c. To znamen\u00e1, \u017ee u ka\u017ed\u00e9 dal\u0161\u00ed pojistn\u00e9 ud\u00e1losti se s\u010d\u00edtaj\u00ed t\u011blesn\u00e1 po\u0161kozen\u00ed, kter\u00e1 vznikla od po\u010d\u00e1tku poji\u0161t\u011bn\u00ed a za kter\u00e1 u\u017e bylo vyplaceno pojistn\u00e9 pln\u011bn\u00ed. Kdy\u017e tedy <strong>b\u011bhem poji\u0161t\u011bn\u00ed prod\u011bl\u00e1te n\u011bkolik v\u00e1\u017en\u011bj\u0161\u00edch \u00faraz\u016f<\/strong>, dostanete se ve v\u00fdsledku na mnohem vy\u0161\u0161\u00ed pojistn\u00e9 pln\u011bn\u00ed.<\/p>\n\n\n\n<p>P\u0159i uzav\u00edr\u00e1n\u00ed <a href=\"https:\/\/www.fingo.cz\/blog\/co-je-zivotni-pojisteni\/\">\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> si dejte pozor na to, jestli v\u00e1m poji\u0161\u0165ovna garantuje oce\u0148ovac\u00ed tabulky, kter\u00e9 jsou aktu\u00e1ln\u00ed p\u0159i sjedn\u00e1n\u00ed smlouvy, nebo je v pr\u016fb\u011bhu va\u0161\u00ed pojistky m\u016f\u017ee m\u011bnit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-poji-t-n-invalidity\"><strong>Poji\u0161t\u011bn\u00ed invalidity<\/strong><\/h2>\n\n\n\n<p>Podobn\u011b jako v\u00e1\u017en\u00fd \u00faraz, tak\u00e9 invalidita m\u00e1 velk\u00fd dopad nejen na v\u00e1\u0161 \u017eivot, ale i na va\u0161e finance. Krom\u011b potenci\u00e1ln\u00edho propadu p\u0159\u00edjmu \u010dlov\u011bku toti\u017e hroz\u00ed i dal\u0161\u00ed v\u00fddaje \u2013 <strong>l\u00e9ka\u0159sk\u00e1 p\u00e9\u010de, drah\u00e9 zdravotn\u00ed pom\u016fcky nebo z\u0159\u00edzen\u00ed bezbari\u00e9rov\u00e9ho p\u0159\u00edstupu<\/strong>.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background\">V\u00edte, \u017ee a\u017e 95 % lid\u00ed se stane invalidn\u00edmi kv\u016fli nemoci? Nepoji\u0161\u0165ujte si proto jen invaliditu zp\u016fsobenou \u00farazem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-pojistn-pln-n-v-p-pad-invalidity\"><strong>Pojistn\u00e9 pln\u011bn\u00ed v p\u0159\u00edpad\u011b invalidity<\/strong><\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed si sjedn\u00e1v\u00e1te na 1., 2. nebo 3. stupe\u0148 invalidity a o\u010dek\u00e1v\u00e1te, \u017ee v\u00e1m poji\u0161\u0165ovna v\u0161echny stupn\u011b zaplat\u00ed hned a v pln\u00e9 v\u00fd\u0161i. Bohu\u017eel to nen\u00ed tak \u00fapln\u011b pravda, poji\u0161\u0165ovny se v tomto ohledu hodn\u011b li\u0161\u00ed. Zpravidla poji\u0161\u0165ovny p\u0159istoup\u00ed k pln\u011bn\u00ed ve chv\u00edli, kdy v\u00e1m <strong>konkr\u00e9tn\u00ed stupe\u0148 invalidity dolo\u017e\u00ed \u010cesk\u00e1 spr\u00e1va soci\u00e1ln\u00edho zabezpe\u010den\u00ed<\/strong>.&nbsp;<\/p>\n\n\n\n<p>N\u011bkter\u00e9 poji\u0161\u0165ovny ale od\u0161kodn\u00e9 vyplat\u00ed i v p\u0159\u00edpad\u011b <strong>z\u00e1vislosti na p\u00e9\u010di od 2. do 4. stupn\u011b<\/strong> \u2013 bu\u010f jako benefit, nebo v r\u00e1mci p\u0159ipoji\u0161t\u011bn\u00ed. P\u0159i posuzov\u00e1n\u00ed stupn\u011b z\u00e1vislosti se hodnot\u00ed schopnost \u010dlov\u011bka zvl\u00e1dat z\u00e1kladn\u00ed \u017eivotn\u00ed pot\u0159eby \u2013 na stupnici od 1 do 10.<\/p>\n\n\n\n<p>Dejte si tak\u00e9 pozor na to, jestli si sjedn\u00e1v\u00e1te ka\u017ed\u00fd stupe\u0148 invalidity na konkr\u00e9tn\u00ed pojistnou \u010d\u00e1stku nebo m\u00e1te v bal\u00ed\u010dku sjednanou jednu \u010d\u00e1stku pro v\u0161echny stupn\u011b.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-vyplat-hned-poji-ovna-100-pojistn-stky\"><strong>Vyplat\u00ed hned poji\u0161\u0165ovna 100 % pojistn\u00e9 \u010d\u00e1stky?<\/strong><\/h3>\n\n\n\n<p>U 3. a obvykle i u 2. stupn\u011b invalidity zpravidla dostanete celou \u010d\u00e1stku najednou. Probl\u00e9m m\u016f\u017ee u n\u011bkter\u00fdch poji\u0161\u0165oven nastat u 1. stupn\u011b, kdy v\u00e1m vyplat\u00ed nap\u0159\u00edklad <strong>50 % hned a 50 % po 18 m\u011bs\u00edc\u00edch<\/strong>. Mus\u00edte ale nap\u0159ed dolo\u017eit, \u017ee invalidita pokra\u010duje.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background\">Prozkoumejte sv\u00e9 mo\u017enosti \u017eivotn\u00edho poji\u0161t\u011bn\u00ed v na\u0161\u00ed <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">speci\u00e1ln\u00ed kalkula\u010dce<\/a>.<\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/zp\/version1\" frameborder=\"0\" allowfullscreen=\"\" style=\"box-shadow: 0 0 10px gray; margin: 10px; max-width:100%\" width=\"740\" height=\"650\" scrolling=\"1\" name=\"banner1\" id=\"banner1\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-v-luky-v-poji-t-n-invalidity\"><strong>V\u00fdluky v poji\u0161t\u011bn\u00ed invalidity<\/strong><\/h3>\n\n\n\n<p>Sjednat si poji\u0161t\u011bn\u00ed je <a href=\"https:\/\/www.fingo.cz\/blog\/petr-motacek-radi-zivotni-pojistku-si-sjednejte-uz-v-mladi\/\">pro zdrav\u00e9ho \u010dlov\u011bka<\/a> pom\u011brn\u011b jednoduch\u00e9. Z\u00e1drhel m\u016f\u017ee nastat, pokud m\u00e1te nap\u0159\u00edklad <strong>vysok\u00fd krevn\u00ed tlak nebo cukrovku<\/strong>. Poji\u0161\u0165ovna v\u00e1s m\u016f\u017ee sice i tak p\u0159ijmout, ale na\u00fa\u010dtuje v\u00e1m p\u0159ir\u00e1\u017eku, p\u0159\u00edpadn\u011b va\u0161i diagn\u00f3zu za\u0159ad\u00ed do v\u00fdluk.<\/p>\n\n\n\n<p>V\u00fdluk a omezen\u00ed v pojistn\u00fdch podm\u00ednk\u00e1ch samoz\u0159ejm\u011b najdete v\u00edc. Samostatnou kategori\u00ed jsou nap\u0159\u00edklad <strong>du\u0161evn\u00ed poruchy nebo psychick\u00e9 pot\u00ed\u017ee<\/strong>. U 2. a 3. stupn\u011b invalidity v\u011bt\u0161ina poji\u0161\u0165oven zaplat\u00ed ve\u0161ker\u00e1 psychick\u00e1 onemocn\u011bn\u00ed, ale u 1. stupn\u011b obvykle pln\u00ed pouze za organick\u00e9 poruchy (diagn\u00f3zy F00 &#8211; F09) a p\u0159\u00edpadn\u011b schizofrenii (F-20).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-ekac-doba-u-poji-t-n-invalidity\"><strong>\u010cekac\u00ed doba u poji\u0161t\u011bn\u00ed invalidity<\/strong><\/h3>\n\n\n\n<p>Obecn\u011b plat\u00ed, \u017ee u \u00farazu se \u010dekac\u00ed doba neuplat\u0148uje. U nemoci se ale m\u016f\u017eete setkat s <strong>\u010dekac\u00ed dobou od 2 do 18 m\u011bs\u00edc\u016f<\/strong>. Rozd\u00edl spo\u010d\u00edv\u00e1 v tom, od kdy do kdy se&nbsp;\u010dekac\u00ed doba po\u010d\u00edt\u00e1:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Krat\u0161\u00ed 2\u20133m\u011bs\u00ed\u010dn\u00ed lh\u016fty plat\u00ed od po\u010d\u00e1tku poji\u0161t\u011bn\u00ed do okam\u017eiku vzniku nemoci.<\/li>\n\n\n\n<li>Del\u0161\u00ed 12\u201318m\u011bs\u00ed\u010dn\u00ed lh\u016fty se po\u010d\u00edtaj\u00ed od po\u010d\u00e1tku poji\u0161t\u011bn\u00ed do okam\u017eiku p\u0159izn\u00e1n\u00ed invalidity.<\/li>\n<\/ul>\n\n\n\n<p>\u010cekac\u00ed doba se nav\u00edc m\u016f\u017ee v n\u011bkter\u00fdch p\u0159\u00edpadech li\u0161it i u konkr\u00e9tn\u00edho stupn\u011b invalidity. Proto\u017ee se poji\u0161\u0165ovny st\u00e1le p\u0159edh\u00e1n\u011bj\u00ed v tom, co klient\u016fm nab\u00edz\u00ed, setk\u00e1te se dnes i s poji\u0161\u0165ovnami, kter\u00e9 nab\u00edz\u00ed <strong>invaliditu bez \u010dekac\u00ed doby.<\/strong> N\u011bkter\u00e9 zase za ur\u010dit\u00fdch podm\u00ednek p\u0159evezmou \u010dekac\u00ed dobu od p\u0159edchoz\u00edho pojistitele.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-pozor-na-ne-ekanou-v-pov\"><strong>Pozor na ne\u010dekanou v\u00fdpov\u011b\u010f<\/strong><\/h3>\n\n\n\n<p>A jedno upozorn\u011bn\u00ed na z\u00e1v\u011br. Ne\u017e si u poji\u0161\u0165ovny riziko invalidity pojist\u00edte, zjist\u011bte si, jestli v\u00e1m poji\u0161\u0165ovna m\u016f\u017ee<strong> z n\u011bjak\u00e9ho d\u016fvodu vypov\u011bd\u011bt smlouvu<\/strong> \u2013 kdy\u017e se nap\u0159\u00edklad zm\u011bn\u00ed podm\u00ednky pro ur\u010den\u00ed a p\u0159izn\u00e1n\u00ed invalidity dle platn\u00fdch p\u0159edpis\u016f.<\/p>\n\n\n\n<p>Nejl\u00e9pe v\u00e1m s uzav\u0159en\u00edm pojistn\u00e9 smlouvy v\u017edy pom\u016f\u017ee zku\u0161en\u00fd poradce. Projde s v\u00e1mi v\u0161echny podm\u00ednky, sezn\u00e1m\u00ed v\u00e1s s v\u00fdlukami a smlouvu v\u00e1m nastav\u00ed tak, aby pro v\u00e1s byla co nejv\u00fdhodn\u011bj\u0161\u00ed. Pokud o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed p\u0159em\u00fd\u0161l\u00edte, <a href=\"https:\/\/www.fingo.cz\/kontakty\">ozv\u011bte se n\u00e1m<\/a>, r\u00e1di v\u00e1m pom\u016f\u017eeme.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mo\u017en\u00e1 u\u017e m\u00e1te sjednan\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad \u00famrt\u00ed nebo v\u00e1\u017en\u00e9 nemoci. P\u0159esto byste nem\u011bli zapom\u00ednat na dal\u0161\u00ed situace, p\u0159i kter\u00fdch v\u00e1m a va\u0161\u00ed rodin\u011b v\u00fdrazn\u011b klesnou p\u0159\u00edjmy. Pat\u0159\u00ed sem hlavn\u011b poji\u0161t\u011bn\u00ed \u00farazu a invalidity. Poji\u0161t\u011bn\u00ed \u00farazu Lid\u00e9 \u010dasto \u0159e\u0161\u00ed od\u0161kodn\u011bn\u00ed za drobn\u00e9 \u00farazy. D\u00e1v\u00e1 to ur\u010dit\u00fd smysl \u2013 pravd\u011bpodobnost, \u017ee se v\u00e1m stane n\u011bjak\u00fd drobn\u00fd \u00faraz, je pom\u011brn\u011b velk\u00e1. Ka\u017ed\u00fd z n\u00e1s si ob\u010das n\u011bco podvrtne nebo se t\u0159eba \u0159\u00edzne. Proto spousta lid\u00ed pojistku hodnot\u00ed pr\u00e1v\u011b podle od\u0161kodn\u011bn\u00ed za mal\u00e1 rizika. Poji\u0161t\u011bn\u00ed se u drobn\u00fdch rizik li\u0161\u00ed podle v\u00fdplaty od\u0161kodn\u00e9ho: Drobn\u00e1 rizika jsou ale v poji\u0161t\u011bn\u00ed velmi drah\u00e1 a v\u011bt\u0161ina z n\u00e1s se bez finan\u010dn\u00ed pomoci po drobn\u00e9m \u00farazu bez probl\u00e9mu obejde. Naopak, udr\u017eet \u017eivotn\u00ed standard rodiny i v p\u0159\u00edpad\u011b, \u017ee nebudete moct chodit do pr\u00e1ce, to je v\u00fdrazn\u011b t\u011b\u017e\u0161\u00ed \u00fakol. Trval\u00e9 n\u00e1sledky \u00farazu V\u00fdhodn\u011bj\u0161\u00ed je pojistit si v\u00e1\u017en\u011bj\u0161\u00ed \u00farazy. I proto by v \u017e\u00e1dn\u00e9 pojistce nem\u011blo chyb\u011bt riziko trval\u00fdch n\u00e1sledk\u016f \u00farazu. V tomto p\u0159\u00edpad\u011b poji\u0161\u0165ovna pln\u00ed, pokud&nbsp; l\u00e9ka\u0159 dojde k z\u00e1v\u011bru, \u017ee do\u0161lo k trval\u00e9mu po\u0161kozen\u00ed a u\u017e se nevyl\u00e9\u010d\u00edte do p\u016fvodn\u00edho stavu. Poji\u0161\u0165ovny v p\u0159\u00edpad\u011b trval\u00fdch n\u00e1sledk\u016f pln\u00ed dvoj\u00edm zp\u016fsobem: P\u0159\u00edklad: Progrese u poji\u0161\u0165ovny za\u010d\u00edn\u00e1 na 20 % po\u0161kozen\u00ed t\u011bla \u2013 v takov\u00e9m p\u0159\u00edpad\u011b poji\u0161\u0165ovna vyplat\u00ed dvojn\u00e1sobek. [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1112,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[28,18,27],"class_list":["post-1104","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni","tag-petr-motacek","tag-pojisteni","tag-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak na poji\u0161t\u011bn\u00ed \u00farazu a invalidity - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Poji\u0161t\u011bn\u00ed \u00farazu a invalidity nepodce\u0148ujte. Krom\u011b v\u00fdpadku p\u0159\u00edjmu v\u00e1m v takov\u00fdch situac\u00edch hroz\u00ed i vysok\u00e9 n\u00e1klady. 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