{"id":2864,"date":"2026-03-17T14:45:46","date_gmt":"2026-03-17T13:45:46","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2864"},"modified":"2026-03-17T14:45:47","modified_gmt":"2026-03-17T13:45:47","slug":"jak-k-psychickym-onemocnenim-pristupuji-pojistovny-v-cem-se-lisi-a-proc-na-tom-zalezi","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/jak-k-psychickym-onemocnenim-pristupuji-pojistovny-v-cem-se-lisi-a-proc-na-tom-zalezi\/","title":{"rendered":"Jak k psychick\u00fdm onemocn\u011bn\u00edm p\u0159istupuj\u00ed poji\u0161\u0165ovny: V \u010dem se li\u0161\u00ed a pro\u010d na tom z\u00e1le\u017e\u00ed"},"content":{"rendered":"\n<p>Du\u0161evn\u00ed onemocn\u011bn\u00ed u\u017e d\u00e1vno nep\u0159edstavuj\u00ed okrajov\u00e9 t\u00e9ma. <strong>P\u0159ib\u00fdv\u00e1 jich v cel\u00e9 populaci<\/strong>, rostou i jejich dopady do pracovn\u00ed neschopnosti a invalidity a poji\u0161\u0165ovny na to postupn\u011b reaguj\u00ed. P\u0159esto mezi nimi <strong>z\u016fst\u00e1vaj\u00ed v\u00fdrazn\u00e9 rozd\u00edly<\/strong> v tom, co kryj\u00ed, <strong>kde maj\u00ed v\u00fdluky a jak\u00e9 diagn\u00f3zy uzn\u00e1vaj\u00ed.<\/strong><\/p>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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\">Obsah<\/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-du-evn-ch-onemocn-n-p-ib-v-potvrzuj-to-data-z-n-dz-s-i-zis\">Du\u0161evn\u00edch onemocn\u011bn\u00ed p\u0159ib\u00fdv\u00e1. Potvrzuj\u00ed to data z N\u00daDZ, \u010cS\u00da i \u00daZIS<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-k-psychice-p-istupuj-esk-poji-ovny\">Jak k psychice p\u0159istupuj\u00ed \u010desk\u00e9 poji\u0161\u0165ovny?<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-limity-a-h-ky-na-co-si-d-t-pozor\">Limity a h\u00e1\u010dky: Na co si d\u00e1t pozor?<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-psychoterapie-nadstandard-kter-si-raz-cestu\">Psychoterapie: Nadstandard, kter\u00fd si raz\u00ed cestu<\/a><\/li><li class=\"\"><a href=\"#htoc-bez-edukace-a-destigmatizace-se-situace-nezlep\">Bez edukace a destigmatizace se situace nezlep\u0161\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-asto-kladen-ot-zky-faq\">\u010casto kladen\u00e9 ot\u00e1zky (FAQ)<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-slovn-ek-pojm\">Slovn\u00ed\u010dek pojm\u016f<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-du-evn-ch-onemocn-n-p-ib-v-potvrzuj-to-data-z-n-dz-s-i-zis\"><strong>Du\u0161evn\u00edch onemocn\u011bn\u00ed p\u0159ib\u00fdv\u00e1. Potvrzuj\u00ed to data z N\u00daDZ, \u010cS\u00da i \u00daZIS<\/strong><\/h2>\n\n\n\n<p>N\u00e1r\u016fst psychick\u00fdch obt\u00ed\u017e\u00ed nen\u00ed jen pocitov\u00fd. <strong>Celosv\u011btov\u00fd v\u00fdskyt \u00fazkost\u00ed a depres\u00ed se b\u011bhem prvn\u00edho roku pandemie zv\u00fd\u0161il o 25 %.<\/strong> V \u010cesku situaci zhor\u0161ila nejen pandemie, ale i v\u00e1lka na Ukrajin\u011b a ekonomick\u00e1 nejistota.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-ka-d-p-t-lov-k-vykazuje-zn-mky-deprese\"><strong>Ka\u017ed\u00fd p\u00e1t\u00fd \u010dlov\u011bk<\/strong> vykazuje zn\u00e1mky deprese.<\/li>\n\n\n\n<li id=\"htoc-v-roce-2020-v-r-sp-chalo-sebevra-du-1-224-osob-z-toho-1-009-mu-a-215-en\">V roce 2020 v \u010cR sp\u00e1chalo sebevra\u017edu <strong>1 224 osob<\/strong> (z toho 1 009 mu\u017e\u016f a 215 \u017een).<\/li>\n\n\n\n<li id=\"htoc-zhruba-10-esk-populace-trp-n-jakou-formou-du-evn-ho-onemocn-n-p-i-em-po-et-pacient-roste-o-2-ro-n\">Zhruba <strong>10 % \u010desk\u00e9 populace<\/strong> trp\u00ed n\u011bjakou formou du\u0161evn\u00edho onemocn\u011bn\u00ed, p\u0159i\u010dem\u017e po\u010det pacient\u016f roste o 2 % ro\u010dn\u011b.<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 Nejv\u00edce alarmuj\u00edc\u00ed je situace u <strong>Generace Z<\/strong> (narozen\u00ed 1997\u20132012) a lid\u00ed v p\u0159edd\u016fchodov\u00e9m v\u011bku. Data ukazuj\u00ed, \u017ee v\u00edce ne\u017e <strong>50 % dev\u00e1\u0165\u00e1k\u016f<\/strong> z\u00e1kladn\u00edch \u0161kol m\u00e1 psychick\u00e9 probl\u00e9my, a\u017e <strong>40 %<\/strong> <strong>d\u011bt\u00ed a mladistv\u00fdch<\/strong> vykazuje zn\u00e1mky st\u0159edn\u011b t\u011b\u017ek\u00e9 a\u017e t\u011b\u017ek\u00e9 deprese a <strong>dal\u0161\u00edch 30 %<\/strong> trp\u00ed \u00fazkost\u00ed.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-k-psychice-p-istupuj-esk-poji-ovny\"><strong>Jak k psychice p\u0159istupuj\u00ed \u010desk\u00e9 poji\u0161\u0165ovny?<\/strong><\/h2>\n\n\n\n<p>Zat\u00edmco d\u0159\u00edve byly \u201ediagnozy F\u201c (ozna\u010den\u00ed pro du\u0161evn\u00ed poruchy v mezin\u00e1rodn\u00ed klasifikaci) v pojistn\u00fdch smlouv\u00e1ch \u010dasto v \u00fapln\u00fdch v\u00fdluk\u00e1ch, <strong>dnes se p\u0159\u00edstup rozvol\u0148uje.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Nejde ale o jednotn\u00fd trh. Jedna poji\u0161\u0165ovna zm\u00edrn\u00ed v\u00fdluky u invalidity, druh\u00e1 roz\u0161\u00ed\u0159\u00ed okruh diagn\u00f3z, t\u0159et\u00ed p\u0159id\u00e1 pln\u011bn\u00ed i u pracovn\u00ed neschopnosti a \u010dtvrt\u00e1 st\u00e1le zachov\u00e1 v\u00fdrazn\u011bj\u0161\u00ed omezen\u00ed. <strong>Pro klienta to znamen\u00e1, \u017ee dv\u011b na prvn\u00ed pohled podobn\u00e9 smlouvy se mohou v praxi li\u0161it z\u00e1sadn\u011b.&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udee1\ufe0f \u0158e\u0161\u00edte, jak spr\u00e1vn\u011b nastavit \u017eivotn\u00ed pojistku? P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek <a href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-proc-ho-mit-a-jak-ho-spravne-nastavit\/?utm_source=chatgpt.com\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed: pro\u010d ho m\u00edt a jak ho spr\u00e1vn\u011b nastavit<\/a><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-hlavn-zm-ny-na-trhu\"><strong>Hlavn\u00ed zm\u011bny na trhu:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-zm-r-ov-n-v-luk-poji-ovny-jako-kooperativa-generali-esk-poji-ovna-i-kp-roz-i-uj-kryt-i-na-psychick-choroby-u-invalidity-i-pracovn-neschopnosti\"><strong>Zm\u00edr\u0148ov\u00e1n\u00ed v\u00fdluk:<\/strong> Poji\u0161\u0165ovny jako Kooperativa, Generali \u010cesk\u00e1 poji\u0161\u0165ovna \u010di KP roz\u0161i\u0159uj\u00ed kryt\u00ed i na psychick\u00e9 choroby u invalidity i pracovn\u00ed neschopnosti.<\/li>\n\n\n\n<li id=\"htoc-konec-ek-n-n-kter-poji-ovny-nap-pp-uniqa-u-rizika-invalidity-zru-ily-ekac-doby\"><strong>Konec \u010dek\u00e1n\u00ed:<\/strong> N\u011bkter\u00e9 poji\u0161\u0165ovny (nap\u0159. \u010cPP, UNIQA) u rizika invalidity zru\u0161ily \u010dekac\u00ed doby.<\/li>\n\n\n\n<li id=\"htoc-podpora-pro-d-ti-metlife-zm-rnil-v-luky-pro-d-ti-nov-se-v-luka-vztahuje-jen-na-poruchy-diagnostikovan-v-prvn-ch-5-letech-ivota\"><strong>Podpora pro d\u011bti:<\/strong> MetLife zm\u00edrnil v\u00fdluky pro d\u011bti; nov\u011b se v\u00fdluka vztahuje jen na poruchy diagnostikovan\u00e9 v prvn\u00edch 5 letech \u017eivota.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/03\/image.png\" alt=\"\" class=\"wp-image-2865\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/03\/image.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/03\/image-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2026\/03\/image-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-limity-a-h-ky-na-co-si-d-t-pozor\"><strong>Limity a h\u00e1\u010dky: Na co si d\u00e1t pozor?<\/strong><\/h2>\n\n\n\n<p><strong>\u201cKryjeme du\u0161evn\u00ed onemocn\u011bn\u00ed\u201c m\u016f\u017ee v praxi znamenat velmi rozd\u00edln\u00e9 v\u011bci.<\/strong> N\u011bkde jde o skute\u010dn\u00e9 roz\u0161\u00ed\u0159en\u00ed kryt\u00ed, jinde o zm\u00edrn\u011bn\u00ed v\u00fdluk a jinde hlavn\u011b o administrativn\u00ed zjednodu\u0161en\u00ed posuzov\u00e1n\u00ed.\u00a0<\/p>\n\n\n\n<p>Pojistn\u00e9 \u010d\u00e1stky poji\u0161\u0165ovny nijak neomezuj\u00ed. <strong>Rozhoduj\u00edc\u00ed nejsou limity \u010d\u00e1ste<\/strong>k, ale sp\u00ed\u0161 to, zda konkr\u00e9tn\u00ed diagn\u00f3zu poji\u0161\u0165ovna v\u016fbec uzn\u00e1 a z jak\u00e9ho rizika ji dovol\u00ed \u010derpat. Psychickou nemoc je obecn\u011b mo\u017en\u00e9 \u010derpat z rizik invalidita, z\u00e1vislost na p\u00e9\u010di, pracovn\u00ed neschopnost a hospitalizace.&nbsp;<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-v-hody-a-nev-hody-sou-asn-ho-kryt\"><strong>V\u00fdhody a nev\u00fdhody sou\u010dasn\u00e9ho kryt\u00ed:<\/strong><\/h3>\n\n\n\n<p><strong>V\u00fdhody:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-ir-ochrana-mo-nost-z-skat-rentu-nebo-jednor-zov-pln-n-i-p-i-syndromu-vyho-en-nebo-t-k-ch-depres-ch-u-vybran-ch-tarif\"><strong>\u0160ir\u0161\u00ed ochrana:<\/strong> Mo\u017enost z\u00edskat rentu nebo jednor\u00e1zov\u00e9 pln\u011bn\u00ed i p\u0159i syndromu vyho\u0159en\u00ed nebo t\u011b\u017ek\u00fdch depres\u00edch u vybran\u00fdch tarif\u016f.<\/li>\n\n\n\n<li id=\"htoc-edukace-poji-ovny-za-naj-spolupracovat-s-neziskovkami-nap-kooperativa-a-nevypus-du-i\"><strong>Edukace:<\/strong> Poji\u0161\u0165ovny za\u010d\u00ednaj\u00ed spolupracovat s neziskovkami (nap\u0159. Kooperativa a <em>Nevypus\u0165 du\u0161i<\/em>).<\/li>\n<\/ul>\n\n\n\n<p><strong>Nev\u00fdhody a omezen\u00ed:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-alkohol-a-drogy-dn-poji-ovna-nevyplat-pln-n-pokud-si-lov-k-nemoc-p-ivod-s-m-u-v-n-m-n-vykov-ch-l-tek\"><strong>Alkohol a drogy:<\/strong> \u017d\u00e1dn\u00e1 poji\u0161\u0165ovna nevyplat\u00ed pln\u011bn\u00ed, pokud si \u010dlov\u011bk nemoc p\u0159ivod\u00ed s\u00e1m u\u017e\u00edv\u00e1n\u00edm n\u00e1vykov\u00fdch l\u00e1tek.<\/li>\n\n\n\n<li id=\"htoc-subjektivita-psychick-stavy-se-h-e-prokazuj-ne-zlomenina-diagn-zy-jako-smutek-nebo-neschopnost-sm-it-se-s-ivotem-jsou-asto-nekryt-kv-li-riziku-spekulac\"><strong>Subjektivita:<\/strong> Psychick\u00e9 stavy se h\u016f\u0159e prokazuj\u00ed ne\u017e zlomenina. Diagn\u00f3zy jako \u201esmutek\u201c nebo \u201eneschopnost sm\u00ed\u0159it se s \u017eivotem\u201c jsou \u010dasto nekryt\u00e9 kv\u016fli riziku spekulac\u00ed.<\/li>\n\n\n\n<li id=\"htoc-hospitalizace-n-kter-poji-ovny-nap-maxima-maj-v-luky-na-psychiatrick-nemocnice-a-l-ebny\"><strong>Hospitalizace:<\/strong> N\u011bkter\u00e9 poji\u0161\u0165ovny (nap\u0159. Maxima) maj\u00ed v\u00fdluky na psychiatrick\u00e9 nemocnice a l\u00e9\u010debny.<br><\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udfe1 Poji\u0161\u0165ovny \u010dasto rozli\u0161uj\u00ed mezi z\u00e1va\u017en\u00fdmi, l\u00e9ka\u0159sky dob\u0159e prokazateln\u00fdmi poruchami a mezi stavy, kter\u00e9 se h\u016f\u0159e objektivizuj\u00ed. <strong>U pracovn\u00ed neschopnosti (PN) jsou poji\u0161\u0165ovny st\u00e1le opatrn\u011bj\u0161\u00ed.<\/strong> Pokud je v neschopence uvedena pouze \u201eF diagn\u00f3za\u201c typu \u00fazkost, syndrom vyho\u0159en\u00ed n\u011bkter\u00e9 poji\u0161\u0165ovny pln\u011bn\u00ed nevypl\u00e1cej\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">Pokud si chcete ov\u011b\u0159it, co va\u0161e smlouva skute\u010dn\u011b kryje, <a href=\"https:\/\/www.fingo.cz\/kontakty\">r\u00e1di v\u00e1m pom\u016f\u017eeme<\/a>.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-psychoterapie-nadstandard-kter-si-raz-cestu\"><strong>Psychoterapie: Nadstandard, kter\u00fd si raz\u00ed cestu<\/strong><\/h2>\n\n\n\n<p>T\u00e9ma du\u0161evn\u00edho zdrav\u00ed a poji\u0161t\u011bn\u00ed se net\u00fdk\u00e1 jen samotn\u00e9ho pln\u011bn\u00ed. N\u011bkter\u00e9 poji\u0161\u0165ovny nab\u00edzej\u00ed i podporu <strong>nad r\u00e1mec klasick\u00e9 pojistn\u00e9 ochrany<\/strong>, jin\u00e9 zat\u00edm nic podobn\u00e9ho nemaj\u00ed.&nbsp;&nbsp;<\/p>\n\n\n\n<p><strong>Dostupnost p\u00e9\u010de hrazen\u00e9 ze zdravotn\u00edho poji\u0161t\u011bn\u00ed je v \u010cR omezen\u00e1<\/strong> \u2013 na 100 000 obyvatel p\u0159ipad\u00e1 <strong>pouze<\/strong> <strong>8 psycholog\u016f<\/strong> (pro srovn\u00e1n\u00ed: v Nizozemsku je to 123). Komer\u010dn\u00ed poji\u0161\u0165ovny tento dluh za\u010d\u00ednaj\u00ed pomalu spl\u00e1cet:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-kooperativa-v-programu-cesta-ke-zdrav-p-isp-v-na-psychoterapii-po-pojistn-ud-losti-a-nab-z-podporu-v-krizov-ch-situac-ch-nap-mrt-v-rodin\"><strong>Kooperativa:<\/strong> V programu \u201eCesta ke zdrav\u00ed\u201c p\u0159isp\u00edv\u00e1 na psychoterapii po pojistn\u00e9 ud\u00e1losti a nab\u00edz\u00ed podporu v krizov\u00fdch situac\u00edch (nap\u0159. \u00famrt\u00ed v rodin\u011b).<\/li>\n\n\n\n<li id=\"htoc-pp-nab-z-60-minut-psychoterapeutick-ho-poradenstv-ro-n-v-r-mci-asisten-n-ch-slu-eb\"><strong>\u010cPP:<\/strong> Nab\u00edz\u00ed 60 minut psychoterapeutick\u00e9ho poradenstv\u00ed ro\u010dn\u011b v r\u00e1mci asisten\u010dn\u00edch slu\u017eeb.<\/li>\n\n\n\n<li id=\"htoc-sob-p-ipravuje-mo-nost-konzultace-s-psychologem-on-line\"><strong>\u010cSOB:<\/strong> P\u0159ipravuje mo\u017enost konzultace s psychologem on-line.<\/li>\n\n\n\n<li id=\"htoc-g-p-kp-maxima-allianz-metlife-uniqa-nn-zat-m-podobn-benefity-nenab-zej\"><strong>G\u010cP, KP, Maxima, Allianz, MetLife, UNIQA, NN<\/strong>: zat\u00edm podobn\u00e9 benefity nenab\u00edzej\u00ed.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-bez-edukace-a-destigmatizace-se-situace-nezlep\"><strong>Bez edukace a destigmatizace se situace nezlep\u0161\u00ed<\/strong><\/h2>\n\n\n\n<p>Aby syst\u00e9m poji\u0161t\u011bn\u00ed fungoval, <strong>mus\u00edme odbourat p\u0159edsudek<\/strong>, \u017ee \u010dlov\u011bk s psychickou nemoc\u00ed je \u201ebl\u00e1zen\u201c.&nbsp; Pokud budeme o du\u0161evn\u00edm zdrav\u00ed mluvit jako o b\u011b\u017en\u00e9 nemoci, zv\u00fd\u0161\u00ed se \u0161ance, \u017ee lid\u00e9 vyhledaj\u00ed pomoc d\u0159\u00edve, ne\u017e jejich stav vy\u00fast\u00ed v invaliditu.<\/p>\n\n\n\n<p>Du\u0161evn\u00ed zdrav\u00ed a poji\u0161t\u011bn\u00ed dnes tvo\u0159\u00ed oblast, kterou u\u017e nelze p\u0159ehl\u00ed\u017eet. Du\u0161evn\u00edch onemocn\u011bn\u00ed p\u0159ib\u00fdv\u00e1, potvrzuj\u00ed to data z ve\u0159ejn\u00fdch instituc\u00ed i zku\u0161enosti poji\u0161\u0165oven.&nbsp;<\/p>\n\n\n\n<p><strong>\ud83d\udc49 Pr\u00e1v\u011b proto se vyplat\u00ed d\u00edvat se p\u0159i sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed pod povrch<\/strong>. Nesta\u010d\u00ed v\u011bd\u011bt, \u017ee smlouva \u201ekryje psychick\u00e9 pot\u00ed\u017ee\u201c. Pot\u0159ebujete v\u011bd\u011bt, kter\u00e9 diagn\u00f3zy kryje, z jak\u00e9ho rizika, s jakou \u010dekac\u00ed dobou a s jak\u00fdmi v\u00fdlukami. <strong>Teprve pak pozn\u00e1te, jestli v\u00e1m v n\u00e1ro\u010dn\u00e9 \u017eivotn\u00ed situaci opravdu pom\u016f\u017ee.&nbsp;<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<p><iframe id=\"iframeBannerV1_life_insurance\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" src=\"https:\/\/www.fingo.cz\/banner\/general?type=life_insurance\"><\/iframe><\/p>\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-asto-kladen-ot-zky-faq\"><strong>\u010casto kladen\u00e9 ot\u00e1zky (FAQ)<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-kryje-ivotn-poji-t-n-psychick-onemocn-n\"><strong>Kryje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed psychick\u00e9 onemocn\u011bn\u00ed?<\/strong><\/h3>\n\n\n\n<p>Ano, ale v\u017edy z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00ed poji\u0161\u0165ovn\u011b a nastaven\u00ed smlouvy. N\u011bkter\u00e9 poji\u0161\u0165ovny kryj\u00ed du\u0161evn\u00ed onemocn\u011bn\u00ed ve v\u0161ech stupn\u00edch invalidity, jin\u00e9 jen u vybran\u00fdch diagn\u00f3z nebo jen u n\u011bkter\u00fdch rizik.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-pln-poji-ovna-p-i-pracovn-neschopnosti-kv-li-psychick-m-pot-m\"><strong>Pln\u00ed poji\u0161\u0165ovna p\u0159i pracovn\u00ed neschopnosti kv\u016fli psychick\u00fdm pot\u00ed\u017e\u00edm?<\/strong><\/h3>\n\n\n\n<p>Ne v\u017edy. U pracovn\u00ed neschopnosti b\u00fdvaj\u00ed poji\u0161\u0165ovny opatrn\u011bj\u0161\u00ed ne\u017e u invalidity. N\u011bkter\u00e9 psychick\u00e9 diagn\u00f3zy, nap\u0159\u00edklad \u00fazkosti nebo syndrom vyho\u0159en\u00ed, mohou b\u00fdt omezen\u00e9 nebo zcela vylou\u010den\u00e9 z pln\u011bn\u00ed.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-kter-psychick-diagn-zy-poji-ovny-kryj-nej-ast-ji\"><strong>Kter\u00e9 psychick\u00e9 diagn\u00f3zy poji\u0161\u0165ovny kryj\u00ed nej\u010dast\u011bji?<\/strong><\/h3>\n\n\n\n<p>\u010cast\u011bji se v pojistn\u00e9m kryt\u00ed objevuj\u00ed organick\u00e9 psychick\u00e9 poruchy, schizofrenie nebo vybran\u00e9 skupiny diagn\u00f3z F00\u2013F09 a F20\u2013F29. Konkr\u00e9tn\u00ed rozsah ale z\u00e1le\u017e\u00ed na jednotliv\u00e9 poji\u0161\u0165ovn\u011b a produktu.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-li-se-p-stup-poji-oven-k-du-evn-m-onemocn-n-m\"><strong>Li\u0161\u00ed se p\u0159\u00edstup poji\u0161\u0165oven k du\u0161evn\u00edm onemocn\u011bn\u00edm?<\/strong><\/h3>\n\n\n\n<p>Ano, a \u010dasto v\u00fdrazn\u011b. Rozd\u00edly jsou ve v\u00fdluk\u00e1ch, <a href=\"https:\/\/www.fingo.cz\/blog\/cekaci-doba-v-zivotni-pojisteni\/\">\u010dekac\u00edch dob\u00e1ch<\/a>, rozsahu kryt\u00fdch diagn\u00f3z i v tom, zda poji\u0161\u0165ovna pln\u00ed z invalidity, pracovn\u00ed neschopnosti, hospitalizace nebo z\u00e1vislosti na p\u00e9\u010di.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-znamen-ir-kryt-automaticky-lep-poji-t-n\"><strong>Znamen\u00e1 \u0161ir\u0161\u00ed kryt\u00ed automaticky lep\u0161\u00ed poji\u0161t\u011bn\u00ed?<\/strong><\/h3>\n\n\n\n<p>Ne nutn\u011b. D\u016fle\u017eit\u00e9 nen\u00ed jen to, \u017ee poji\u0161t\u011bn\u00ed psychick\u00e9 diagn\u00f3zy zahrnuje, ale tak\u00e9 za jak\u00fdch podm\u00ednek pln\u00ed, jak\u00e9 m\u00e1 v\u00fdluky a z jak\u00e9ho rizika lze pojistn\u00e9 pln\u011bn\u00ed \u010derpat.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-na-co-se-zam-it-p-i-v-b-ru-poji-t-n-kv-li-psychick-m-onemocn-n-m\"><strong>Na co se zam\u011b\u0159it p\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed kv\u016fli psychick\u00fdm onemocn\u011bn\u00edm?<\/strong><\/h3>\n\n\n\n<p>D\u016fle\u017eit\u00e9 je sledovat hlavn\u011b v\u00fdluky, \u010dekac\u00ed dobu, seznam kryt\u00fdch diagn\u00f3z a tak\u00e9 to, zda poji\u0161t\u011bn\u00ed kryje invaliditu, pracovn\u00ed neschopnost nebo hospitalizaci. Dobr\u00e9 je, pokud poji\u0161\u0165ovna nab\u00edz\u00ed n\u011bjak\u00fd <strong>nadstandard v r\u00e1mci asisten\u010dn\u00edch slu\u017eeb<\/strong> (nap\u0159. p\u0159\u00edsp\u011bvek na psychoterapii nebo poradenstv\u00ed). V t\u00e9to oblasti <strong>rozhoduj\u00ed pr\u00e1v\u011b detaily smlouvy<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-co-d-lat-kdy-si-nejsem-jist-co-moje-smlouva-skute-n-kryje\"><strong>Co d\u011blat, kdy\u017e si nejsem jist\u00fd, co moje smlouva skute\u010dn\u011b kryje?<\/strong><\/h3>\n\n\n\n<p>Vyplat\u00ed se proj\u00edt pojistn\u00e9 podm\u00ednky opravdu pe\u010dliv\u011b. Pokud chcete m\u00edt jistotu, co va\u0161e poji\u0161t\u011bn\u00ed skute\u010dn\u011b kryje a kde mohou b\u00fdt v\u00fdluky, <a href=\"https:\/\/www.fingo.cz\/kontakty\">na\u0161i specialist\u00e9<\/a> jsou tu zdarma pro v\u00e1s.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:30px;width:0px\" aria-hidden=\"true\" class=\"wp-block-spacer wp-container-content-cf2db169\"><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-slovn-ek-pojm\"><strong>Slovn\u00ed\u010dek pojm\u016f<\/strong><\/h2>\n\n\n\n<p><strong>\u010cPP<\/strong> \u2013 \u010cesk\u00e1 podnikatelsk\u00e1 poji\u0161\u0165ovna<\/p>\n\n\n\n<p><strong>\u010cS\u00da <\/strong>\u2013 \u010cesk\u00fd statistick\u00fd \u00fa\u0159ad<\/p>\n\n\n\n<p><strong>G\u010cP <\/strong>\u2013 Generali \u010cesk\u00e1 poji\u0161\u0165ovna<\/p>\n\n\n\n<p><strong>INV<\/strong> \u2013 Invalidita (I., II. nebo III. stupn\u011b)<\/p>\n\n\n\n<p><strong>KP <\/strong>\u2013 Komer\u010dn\u00ed poji\u0161\u0165ovna<\/p>\n\n\n\n<p><strong>N\u00daDZ<\/strong> \u2013 N\u00e1rodn\u00ed \u00fastav du\u0161evn\u00edho zdrav\u00ed<\/p>\n\n\n\n<p><strong>PN<\/strong> \u2013 Pracovn\u00ed neschopnost<\/p>\n\n\n\n<p><strong>\u00daZIS<\/strong> \u2013 \u00dastav zdravotnick\u00fdch informac\u00ed a statistiky \u010cR<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Du\u0161evn\u00ed onemocn\u011bn\u00ed u\u017e d\u00e1vno nep\u0159edstavuj\u00ed okrajov\u00e9 t\u00e9ma. P\u0159ib\u00fdv\u00e1 jich v cel\u00e9 populaci, rostou i jejich dopady do pracovn\u00ed neschopnosti a invalidity a poji\u0161\u0165ovny na to postupn\u011b reaguj\u00ed. P\u0159esto mezi nimi z\u016fst\u00e1vaj\u00ed v\u00fdrazn\u00e9 rozd\u00edly v tom, co kryj\u00ed, kde maj\u00ed v\u00fdluky a jak\u00e9 diagn\u00f3zy uzn\u00e1vaj\u00ed. Du\u0161evn\u00edch onemocn\u011bn\u00ed p\u0159ib\u00fdv\u00e1. Potvrzuj\u00ed to data z N\u00daDZ, \u010cS\u00da i \u00daZIS N\u00e1r\u016fst psychick\u00fdch obt\u00ed\u017e\u00ed nen\u00ed jen pocitov\u00fd. Celosv\u011btov\u00fd v\u00fdskyt \u00fazkost\u00ed a depres\u00ed se b\u011bhem prvn\u00edho roku pandemie zv\u00fd\u0161il o 25 %. V \u010cesku situaci zhor\u0161ila nejen pandemie, ale i v\u00e1lka na Ukrajin\u011b a ekonomick\u00e1 nejistota. \ud83d\udc49 Nejv\u00edce alarmuj\u00edc\u00ed je situace u Generace Z (narozen\u00ed 1997\u20132012) a lid\u00ed v p\u0159edd\u016fchodov\u00e9m v\u011bku. Data ukazuj\u00ed, \u017ee v\u00edce ne\u017e 50 % dev\u00e1\u0165\u00e1k\u016f z\u00e1kladn\u00edch \u0161kol m\u00e1 psychick\u00e9 probl\u00e9my, a\u017e 40 % d\u011bt\u00ed a mladistv\u00fdch vykazuje zn\u00e1mky st\u0159edn\u011b t\u011b\u017ek\u00e9 a\u017e t\u011b\u017ek\u00e9 deprese a dal\u0161\u00edch 30 % trp\u00ed \u00fazkost\u00ed. Jak k psychice p\u0159istupuj\u00ed \u010desk\u00e9 poji\u0161\u0165ovny? Zat\u00edmco d\u0159\u00edve byly \u201ediagnozy F\u201c (ozna\u010den\u00ed pro du\u0161evn\u00ed poruchy v mezin\u00e1rodn\u00ed klasifikaci) v pojistn\u00fdch smlouv\u00e1ch \u010dasto v \u00fapln\u00fdch v\u00fdluk\u00e1ch, dnes se p\u0159\u00edstup rozvol\u0148uje.&nbsp; Nejde ale o jednotn\u00fd trh. Jedna poji\u0161\u0165ovna zm\u00edrn\u00ed v\u00fdluky u invalidity, druh\u00e1 roz\u0161\u00ed\u0159\u00ed okruh diagn\u00f3z, t\u0159et\u00ed p\u0159id\u00e1 pln\u011bn\u00ed i u pracovn\u00ed neschopnosti a \u010dtvrt\u00e1 st\u00e1le zachov\u00e1 v\u00fdrazn\u011bj\u0161\u00ed omezen\u00ed. Pro klienta to znamen\u00e1, \u017ee dv\u011b na [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":2867,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[18,193,192,27],"class_list":["post-2864","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni","tag-pojisteni","tag-pojistovny","tag-psychicke-onemocneni","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 k psychick\u00fdm onemocn\u011bn\u00edm p\u0159istupuj\u00ed poji\u0161\u0165ovny - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Du\u0161evn\u00edch onemocn\u011bn\u00ed st\u00e1le p\u0159ib\u00fdv\u00e1. 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