{"id":1410,"date":"2023-05-17T10:39:55","date_gmt":"2023-05-17T09:39:55","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1410"},"modified":"2023-05-17T10:39:56","modified_gmt":"2023-05-17T09:39:56","slug":"jak-na-urazove-pojisteni-pro-deti","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/jak-na-urazove-pojisteni-pro-deti\/","title":{"rendered":"Jak na \u00farazov\u00e9 poji\u0161t\u011bn\u00ed pro d\u011bti"},"content":{"rendered":"\n<p>Tak jako si sjedn\u00e1v\u00e1me \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro sebe, m\u011bli bychom myslet i na poji\u0161t\u011bn\u00ed pro d\u011bti. I kdy\u017e m\u00e1te t\u0159eba slu\u0161n\u00fd p\u0159\u00edjem nebo drobn\u00e9 rezervy. Kdy\u017e se ale stane n\u011bco ne\u010dekan\u00e9ho, snadno vzniknou pom\u011brn\u011b velk\u00e9 n\u00e1klady \u2013 na l\u00e9\u010dbu, rehabilitaci nebo hl\u00edd\u00e1n\u00ed d\u00edt\u011bte. P\u0159\u00edpadn\u011b vypadne p\u0159\u00edjem rodi\u010de, kter\u00fd s d\u00edt\u011btem z\u016fstane doma.<\/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-pro-d-ti-z-rizikov-ch-skupin\">Poji\u0161t\u011bn\u00ed pro d\u011bti z rizikov\u00fdch skupin<\/a><\/li><li class=\"\"><a href=\"#htoc-co-zahrnout-do-razov-pojistky-pro-d-ti\">Co zahrnout do \u00farazov\u00e9 pojistky pro d\u011bti<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-poji-t-n-trval-ch-n-sledk\">Poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f<\/a><\/li><li class=\"\"><a href=\"#htoc-poji-t-n-invalidity\">Poji\u0161t\u011bn\u00ed invalidity<\/a><\/li><li class=\"\"><a href=\"#htoc-denn-od-kodn-za-razy\">Denn\u00ed od\u0161kodn\u00e9 za \u00farazy<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-co-zahrnout-do-nemocensk-ho-poji-t-n-d-t\">Co zahrnout do nemocensk\u00e9ho poji\u0161t\u011bn\u00ed d\u011bt\u00ed<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-seznam-diagn-z-u-poji-ovny\">Seznam diagn\u00f3z u poji\u0161\u0165ovny<\/a><\/li><li class=\"\"><a href=\"#htoc-pobyt-v-nemocnici\">Pobyt v nemocnici<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-jak-se-v-poji-t-n-d-t-vyznat\">Jak se v poji\u0161t\u011bn\u00ed d\u011bt\u00ed vyznat<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p>Pokud nav\u00edc d\u00edt\u011b utrp\u00ed <strong>\u00faraz s do\u017eivotn\u00edmi n\u00e1sledky<\/strong>, n\u00e1klady raketov\u011b vyst\u0159el\u00ed je\u0161t\u011b v\u00edc. Budete mu pak muset p\u0159izp\u016fsobit bydlen\u00ed, nap\u0159\u00edklad vybudovat bezbari\u00e9rov\u00fd p\u0159\u00edstup a podobn\u011b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-poji-t-n-pro-d-ti-z-rizikov-ch-skupin\"><strong>Poji\u0161t\u011bn\u00ed pro d\u011bti z rizikov\u00fdch skupin<\/strong><\/h2>\n\n\n\n<p>\u00darazy se v \u017eivot\u011b nevyh\u00fdbaj\u00ed nikomu. <strong>Nejv\u011bt\u0161\u00ed riziko pak maj\u00ed aktivn\u00ed d\u011bti, kter\u00e9 sportuj\u00ed<\/strong> \u2013 a to jak z\u00e1vodn\u011b, tak rekrea\u010dn\u011b. Pokud d\u00edt\u011b sportuje z\u00e1vodn\u011b, \u010dasto mus\u00ed pod\u00e1vat v\u00fdkony na hranici sv\u00fdch mo\u017enost\u00ed. O \u00farazy pak nen\u00ed nouze.<\/p>\n\n\n\n<p>Ov\u011b\u0159te si proto, jestli poji\u0161\u0165ovna d\u011bti <strong>rozd\u011bluje do rizikov\u00fdch skupin<\/strong>. N\u011bkter\u00e9 poji\u0161\u0165ovny d\u00e1vaj\u00ed profesion\u00e1ln\u00edm nebo vrcholov\u00fdm sportovc\u016fm pom\u011brn\u011b v\u00fdrazn\u00e9 p\u0159ir\u00e1\u017eky, a to v\u010detn\u011b d\u011bt\u00ed. Jin\u00e9 dokonce na ur\u010dit\u00e9 sporty, jako je nap\u0159\u00edklad profesion\u00e1ln\u00ed fotbal, hokej nebo bojov\u00e9 sporty, nepoji\u0161\u0165uj\u00ed v\u016fbec. A dal\u0161\u00ed berou jen d\u011bti do 15 let.<\/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\">Ne\u017e sjedn\u00e1te <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>, myslete na to, \u017ee je dobr\u00e9 d\u00edt\u011b pojistit jak na \u00farazy, tak nemoci.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-zahrnout-do-razov-pojistky-pro-d-ti\"><strong>Co zahrnout do \u00farazov\u00e9 pojistky pro d\u011bti<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-poji-t-n-trval-ch-n-sledk\"><strong>Poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f<\/strong><\/h3>\n\n\n\n<p>U trval\u00fdch n\u00e1sledk\u016f doporu\u010dujeme zvolit pojistnou \u010d\u00e1stkou <strong>minim\u00e1ln\u011b 1 milion korun<\/strong> \u2013 u sportuj\u00edc\u00edho d\u00edt\u011bte klidn\u011b 3 miliony korun. M\u016f\u017eete si sjednat i takzvanou progresi, kter\u00e1 se odv\u00edj\u00ed od z\u00e1va\u017enosti \u00farazu. N\u011bkter\u00e9 poji\u0161\u0165ovny nab\u00edzej\u00ed progresi ve v\u00fd\u0161i a\u017e 10n\u00e1sobku sjednan\u00e9 pojistn\u00e9 \u010d\u00e1stky.<\/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\"><strong>P\u0159\u00edklad:<\/strong> Sjedn\u00e1te d\u00edt\u011bti poji\u0161t\u011bn\u00ed na \u010d\u00e1stku 1 milion korun. D\u00edt\u011b si ud\u011bl\u00e1 \u00faraz a poji\u0161\u0165ovna podle tabulek stanov\u00ed progresi na 60 %. M\u00edsto 1 milionu tak dostanete <strong>6 milion\u016f korun.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-poji-t-n-invalidity\"><strong>Poji\u0161t\u011bn\u00ed invalidity<\/strong><\/h3>\n\n\n\n<p>Ur\u010dit\u011b nezapome\u0148te na <a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-pojisteni-urazu-a-invalidity\/\">riziko invalidity<\/a>, sn\u00ed\u017een\u00e9 sob\u011bsta\u010dnosti nebo z\u00e1vislosti na p\u00e9\u010di. N\u011bkter\u00e9 poji\u0161\u0165ovny vypl\u00e1c\u00ed pen\u00edze <strong>u\u017e od 2. stupn\u011b z\u00e1vislosti <\/strong>a n\u011bkter\u00e9 od 3. stupn\u011b.<\/p>\n\n\n\n<p>P\u0159i posuzov\u00e1n\u00ed stupn\u011b z\u00e1vislosti poji\u0161\u0165ovna hodnot\u00ed schopnost zvl\u00e1dat tyto z\u00e1kladn\u00ed \u017eivotn\u00ed pot\u0159eby:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>mobilita<\/li>\n\n\n\n<li>orientace<\/li>\n\n\n\n<li>komunikace<\/li>\n\n\n\n<li>stravov\u00e1n\u00ed<\/li>\n\n\n\n<li>obl\u00e9k\u00e1n\u00ed a obouv\u00e1n\u00ed<\/li>\n\n\n\n<li>t\u011blesn\u00e1 hygiena<\/li>\n\n\n\n<li>v\u00fdkon fyziologick\u00e9 pot\u0159eby<\/li>\n\n\n\n<li>p\u00e9\u010de o zdrav\u00ed<\/li>\n\n\n\n<li>osobn\u00ed aktivity<\/li>\n\n\n\n<li>p\u00e9\u010de o dom\u00e1cnost (u osob star\u0161\u00edch 18 let)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-denn-od-kodn-za-razy\"><strong>Denn\u00ed od\u0161kodn\u00e9 za \u00farazy<\/strong><\/h3>\n\n\n\n<p>Poji\u0161\u0165ovna v tomto p\u0159\u00edpad\u011b vypl\u00e1c\u00ed <strong>denn\u00ed d\u00e1vky za dobu l\u00e9\u010dby<\/strong>. Ofici\u00e1ln\u00ed tabulka v\u017edy stanov\u00ed horn\u00ed hranici doby l\u00e9\u010dby ka\u017ed\u00e9ho \u00farazu. Toto riziko ale nen\u00ed \u00fapln\u011b levn\u00e9, proto si ho sjednejte sp\u00ed\u0161 jako dopln\u011bk v n\u011bjak\u00e9 p\u0159im\u011b\u0159en\u00e9 denn\u00ed d\u00e1vce, nap\u0159\u00edklad 300 K\u010d.<\/p>\n\n\n\n<iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/eYbgKKW_9hA\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-zahrnout-do-nemocensk-ho-poji-t-n-d-t\"><strong>Co zahrnout do nemocensk\u00e9ho poji\u0161t\u011bn\u00ed d\u011bt\u00ed<\/strong><\/h2>\n\n\n\n<p>Rozhodn\u011b d\u00edt\u011bti sjednejte <strong>pojistnou \u010d\u00e1stku na <\/strong><a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-pojisteni-pro-pripad-umrti-nebo-vazne-nemoci\/\"><strong>velmi v\u00e1\u017en\u00e9 nemoci<\/strong><\/a>. Tou nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00ed je rakovina. Podle statistik rakovinou b\u011bhem \u017eivota onemocn\u00ed dokonce ka\u017ed\u00fd t\u0159et\u00ed \u010cech. Myslet byste ale m\u011bli i na dal\u0161\u00ed nemoci, jako je nap\u0159\u00edklad slepota, hluchota nebo meningitida. P\u0159\u00edpadn\u011b vrozen\u00e9 vady d\u011bt\u00ed, kter\u00e9 se nemus\u00ed projevit hned po narozen\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-seznam-diagn-z-u-poji-ovny\"><strong>Seznam diagn\u00f3z u poji\u0161\u0165ovny<\/strong><\/h3>\n\n\n\n<p>Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 seznam diagn\u00f3z. \u010c\u00edm v\u00edc jich na seznamu m\u00e1, t\u00edm vy\u0161\u0161\u00ed je pravd\u011bpodobnost, \u017ee bude dan\u00e1 diagn\u00f3za i v pojistn\u00fdch podm\u00ednk\u00e1ch.<\/p>\n\n\n\n<p>Samotn\u00fd seznam ale <strong>nen\u00ed v\u017edy t\u00edm spr\u00e1vn\u00fdm vod\u00edtkem<\/strong>, podle kter\u00e9ho byste se m\u011bli orientovat. N\u011bkter\u00e9 poji\u0161\u0165ovny maj\u00ed sice v\u00edce diagn\u00f3z, ale za n\u011bkter\u00e9 pln\u00ed t\u0159eba jen 10\u201325 % ze sjednan\u00e9 pojistn\u00e9 \u010d\u00e1stky. Jin\u00e9 poji\u0161\u0165ovny se zase zam\u011b\u0159uj\u00ed na ty nejb\u011b\u017en\u011bj\u0161\u00ed nemoci, ale pln\u00ed 100 %.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-pobyt-v-nemocnici\"><strong>Pobyt v nemocnici<\/strong><\/h3>\n\n\n\n<p>D\u00edt\u011bti nezapome\u0148te pojistit tak\u00e9 pobyt v nemocnici. Je to <strong>pom\u011brn\u011b levn\u00e9 riziko<\/strong> a vyplat\u00ed se v\u00e1m. Zdravotn\u00ed poji\u0161\u0165ovna toti\u017e plat\u00ed doprovod d\u011bt\u00ed do nemocnice standardn\u011b jen do v\u011bku 6 let.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-se-v-poji-t-n-d-t-vyznat\"><strong>Jak se v poji\u0161t\u011bn\u00ed d\u011bt\u00ed vyznat<\/strong><\/h2>\n\n\n\n<p>Spr\u00e1vn\u011b nastavit pojistku a sjednat rizika, kter\u00e1 d\u011bti opravdu pot\u0159ebuj\u00ed, neb\u00fdv\u00e1 jednoduch\u00e9. Krom\u011b toho byste m\u011bli <strong>pojistku pravideln\u011b aktualizovat<\/strong>. Kdy\u017e nap\u0159\u00edklad pojist\u00edte d\u00edt\u011b, kter\u00e9 nesportuje, ale pak za\u010dne hr\u00e1t z\u00e1vodn\u011b hokej, rizika se v\u00fdrazn\u011b zm\u011bn\u00ed.<\/p>\n\n\n\n<p>Nikdy neud\u011bl\u00e1te chybu, kdy\u017e se porad\u00edte s odborn\u00edky. Pokud si nev\u00edte rady, <a href=\"https:\/\/www.fingo.cz\/kontakty\">sjednejte si sch\u016fzku s na\u0161\u00edm poradcem<\/a> a on v\u00e1s cel\u00fdm procesem provede od za\u010d\u00e1tku do konce. Vy tak budete m\u00edt klid, \u017ee je o va\u0161e d\u00edt\u011b dob\u0159e postar\u00e1no.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tak jako si sjedn\u00e1v\u00e1me \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro sebe, m\u011bli bychom myslet i na poji\u0161t\u011bn\u00ed pro d\u011bti. I kdy\u017e m\u00e1te t\u0159eba slu\u0161n\u00fd p\u0159\u00edjem nebo drobn\u00e9 rezervy. Kdy\u017e se ale stane n\u011bco ne\u010dekan\u00e9ho, snadno vzniknou pom\u011brn\u011b velk\u00e9 n\u00e1klady \u2013 na l\u00e9\u010dbu, rehabilitaci nebo hl\u00edd\u00e1n\u00ed d\u00edt\u011bte. P\u0159\u00edpadn\u011b vypadne p\u0159\u00edjem rodi\u010de, kter\u00fd s d\u00edt\u011btem z\u016fstane doma. Pokud nav\u00edc d\u00edt\u011b utrp\u00ed \u00faraz s do\u017eivotn\u00edmi n\u00e1sledky, n\u00e1klady raketov\u011b vyst\u0159el\u00ed je\u0161t\u011b v\u00edc. Budete mu pak muset p\u0159izp\u016fsobit bydlen\u00ed, nap\u0159\u00edklad vybudovat bezbari\u00e9rov\u00fd p\u0159\u00edstup a podobn\u011b. Poji\u0161t\u011bn\u00ed pro d\u011bti z rizikov\u00fdch skupin \u00darazy se v \u017eivot\u011b nevyh\u00fdbaj\u00ed nikomu. Nejv\u011bt\u0161\u00ed riziko pak maj\u00ed aktivn\u00ed d\u011bti, kter\u00e9 sportuj\u00ed \u2013 a to jak z\u00e1vodn\u011b, tak rekrea\u010dn\u011b. Pokud d\u00edt\u011b sportuje z\u00e1vodn\u011b, \u010dasto mus\u00ed pod\u00e1vat v\u00fdkony na hranici sv\u00fdch mo\u017enost\u00ed. O \u00farazy pak nen\u00ed nouze. Ov\u011b\u0159te si proto, jestli poji\u0161\u0165ovna d\u011bti rozd\u011bluje do rizikov\u00fdch skupin. N\u011bkter\u00e9 poji\u0161\u0165ovny d\u00e1vaj\u00ed profesion\u00e1ln\u00edm nebo vrcholov\u00fdm sportovc\u016fm pom\u011brn\u011b v\u00fdrazn\u00e9 p\u0159ir\u00e1\u017eky, a to v\u010detn\u011b d\u011bt\u00ed. Jin\u00e9 dokonce na ur\u010dit\u00e9 sporty, jako je nap\u0159\u00edklad profesion\u00e1ln\u00ed fotbal, hokej nebo bojov\u00e9 sporty, nepoji\u0161\u0165uj\u00ed v\u016fbec. A dal\u0161\u00ed berou jen d\u011bti do 15 let. Ne\u017e sjedn\u00e1te \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, myslete na to, \u017ee je dobr\u00e9 d\u00edt\u011b pojistit jak na \u00farazy, tak nemoci. Co zahrnout do \u00farazov\u00e9 pojistky pro d\u011bti Poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f U trval\u00fdch n\u00e1sledk\u016f doporu\u010dujeme [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1412,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[28,77,78],"class_list":["post-1410","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni","tag-petr-motacek","tag-pojisteni-pro-deti","tag-urazove-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak na \u00farazov\u00e9 poji\u0161t\u011bn\u00ed pro d\u011bti - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Poji\u0161t\u011bn\u00ed pro d\u011bti nepodce\u0148ujte, \u00faraz nebo nemoc m\u016f\u017ee p\u0159ij\u00edt kdykoli. 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