{"id":534,"date":"2025-05-15T10:02:00","date_gmt":"2025-05-15T09:02:00","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=534"},"modified":"2025-05-16T09:10:18","modified_gmt":"2025-05-16T08:10:18","slug":"zivotni-pojisteni-bez-zkoumani-zdravotniho-stavu","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-bez-zkoumani-zdravotniho-stavu\/","title":{"rendered":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu: velk\u00e9 srovn\u00e1n\u00ed"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Pro \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se standardn\u011b vypl\u0148uje zdravotn\u00ed dotazn\u00edk. Samoz\u0159ejm\u011b se p\u0159edpokl\u00e1d\u00e1, \u017ee klient uvedl v\u0161echny informace pravdiv\u011b a nic nezaml\u010del. Na z\u00e1klad\u011b informac\u00ed ve vypln\u011bn\u00e9m zdravotn\u00edm dotazn\u00edku n\u00e1sleduje zdravotn\u00ed oce\u0148ov\u00e1n\u00ed prov\u00e1d\u011bn\u00e9 poji\u0161\u0165ovnou. Z\u00e1le\u017e\u00ed na poji\u0161\u0165ovn\u011b, zda navr\u017een\u00e1 rizika a u nich nastaven\u00e9 pojistn\u00e9 \u010d\u00e1stky akceptuje a klienta p\u0159ijme do poji\u0161t\u011bn\u00ed.\u00a0<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/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=\"#h-co-delat-kdyz-zkoumanim-zdravotniho-stavu-neprojdete\">Ob\u00e1v\u00e1te se, \u017ee neprojdete zdravotn\u00edm zkoum\u00e1n\u00edm?<\/a><\/li><li class=\"\"><a href=\"#h-srovnani-zivotniho-pojisteni-bez-zkoumani-zdravotniho-stavu\">Srovn\u00e1n\u00ed: \u017eivotn\u00ed poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu<\/a><\/li><li class=\"\"><a href=\"#h-jake-vyhody-ma-pojisteni-bez-zkoumani-zdravotniho-stavu\">Jak\u00e9 v\u00fdhody m\u00e1 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu?<\/a><\/li><li class=\"\"><a href=\"#h-tabulka-srovnani-pojisteni-bez-zkoumani-zdravotniho-stavu\">Srovn\u00e1n\u00ed poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu: dosp\u011bl\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-srovn-n-poji-t-n-bez-zkoum-n-zdravotn-ho-stavu-d-ti\">Srovn\u00e1n\u00ed poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu: d\u011bti<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V&nbsp;nemal\u00e9 m\u00ed\u0159e se st\u00e1v\u00e1, \u017ee poji\u0161\u0165ovna vyhodnot\u00ed klienta dle jeho zdravotn\u00ed anamn\u00e9zy za rizikov\u00e9ho. V&nbsp;takov\u00e9m p\u0159\u00edpad\u011b se klientovi sna\u017e\u00ed nab\u00eddnout dal\u0161\u00ed \u0159e\u0161en\u00ed. Poji\u0161\u0165ovna m\u016f\u017ee u vybran\u00fdch rizik <strong>nav\u00fd\u0161it \u00fahradu pojistn\u00e9ho<\/strong> nebo<strong> ur\u010dit\u00e1 rizika ze smlouvy \u00fapln\u011b vylou\u010dit<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u016f\u017ee se v\u0161ak st\u00e1t, \u017ee poji\u0161t\u011bn\u00e9ho <strong>nep\u0159ijme do poji\u0161t\u011bn\u00ed<\/strong> v\u016fbec.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-co-delat-kdyz-zkoumanim-zdravotniho-stavu-neprojdete\">Ob\u00e1v\u00e1te se, \u017ee neprojdete zdravotn\u00edm zkoum\u00e1n\u00edm?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pro ob\u010dana s b\u011b\u017en\u00fdmi p\u0159\u00edjmy je nejhor\u0161\u00ed variantou neb\u00fdt poji\u0161t\u011bn v\u016fbec. Proto by se m\u011bl nejl\u00e9pe spolu se <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">zku\u0161en\u00fdm poradcem v oblasti \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> poradit, jak\u00e9 jsou mo\u017enosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V \u00favahu p\u0159ipadaj\u00ed bal\u00ed\u010dky \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, kter\u00e9 poji\u0161\u0165ovny nab\u00edzej\u00ed <strong>bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu<\/strong>. Toto \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je ur\u010den\u00e9 p\u0159edev\u0161\u00edm t\u011bm, kte\u0159\u00ed maj\u00ed obavy, \u017ee je poji\u0161\u0165ovna nemus\u00ed p\u0159\u00edjmout, ale z\u00e1rove\u0148 si uv\u011bdomuj\u00ed rizika, kter\u00e1 je v \u017eivot\u011b ohro\u017euj\u00ed. Dan\u00e1 rizika maj\u00ed v tomto p\u0159\u00edpad\u011b nastaven\u00e1 ni\u017e\u0161\u00ed limity pojistn\u00e9ho pln\u011bn\u00ed, st\u00e1le v\u0161ak p\u0159edstavuj\u00ed ur\u010ditou ochranu a jsou upraviteln\u00e1 podle p\u0159\u00e1n\u00ed klienta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pod\u00edvejte se na srovn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed v na\u0161\u00ed kalkula\u010dce:<\/strong><\/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<h2 class=\"wp-block-heading\" id=\"h-srovnani-zivotniho-pojisteni-bez-zkoumani-zdravotniho-stavu\"><strong>Srovn\u00e1n\u00ed: \u017eivotn\u00ed poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">R\u016fzn\u00e1 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu <strong>jsme pro v\u00e1s srovnali<\/strong> a cel\u00fd v\u00fdsledek si m\u016f\u017eete <strong>prohl\u00e9dnout p\u0159ehledn\u011b v tabulce<\/strong> n\u00ed\u017ee.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho<\/strong> stavu obvykle pokr\u00fdv\u00e1 jen ur\u010dit\u00e1 rizika \u2013 nej\u010dast\u011bji \u00faraz, trval\u00e9 n\u00e1sledky, denn\u00ed od\u0161kodn\u00e9 nebo hospitalizaci.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jak si ale m\u016f\u017eete v\u0161imnout, <strong>Kooperativa nab\u00edz\u00ed produkt s dostate\u010dn\u011b \u0161irok\u00fdm v\u00fdb\u011brem kryt\u00ed rizik<\/strong> jak na po\u0161kozen\u00ed \u00farazem, tak i na nemoc. Nab\u00edzen\u00e9 maxim\u00e1ln\u00ed pojistn\u00e9 \u010d\u00e1stky bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu v\u00e1m mohou zajistit slu\u0161nou ochranu sebe i svoj\u00ed rodiny.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\ud83d\udc49 <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">Pro\u010d v\u016fbec m\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jake-vyhody-ma-pojisteni-bez-zkoumani-zdravotniho-stavu\"><strong>Jak\u00e9 v\u00fdhody m\u00e1 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu se m\u016f\u017ee hodit klient\u016fm, kte\u0159\u00ed jsou sice zdrav\u00ed, ale <strong>cht\u011bj\u00ed sjednat poji\u0161t\u011bn\u00ed rychle <\/strong>a necht\u011bj\u00ed se zat\u011b\u017eovat vypl\u0148ov\u00e1n\u00edm zdravotn\u00edho dotazn\u00edku a ni\u017e\u0161\u00ed pojistn\u00e9 \u010d\u00e1stky jim sta\u010d\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Varianta bez zkoum\u00e1n\u00ed m\u016f\u017ee b\u00fdt tak\u00e9 vhodn\u00fdm \u0159e\u0161en\u00edm pro star\u0161\u00ed klienty nebo klienty, kte\u0159\u00ed \u0159e\u0161\u00ed sp\u00ed\u0161e investi\u010dn\u00ed slo\u017eku a z\u00e1kladn\u00ed rizika. Podm\u00ednkou tak\u00e9 je to, \u017ee poji\u0161\u0165ovna nesm\u00ed klienta historicky evidovat jako \u201erizikov\u00e9ho\u201c (p\u0159edchoz\u00ed PU, v\u00fdluky, p\u0159ir\u00e1\u017eky, nep\u0159ijet\u00ed).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161\u0165ovna nepln\u00ed pojistn\u00e9 ud\u00e1losti, kter\u00e9 p\u0159\u00edmo souvisej\u00ed s nemocemi vznikl\u00fdmi p\u0159ed uzav\u0159en\u00edm smlouvy. Nav\u00edc, pokud ji\u017e poji\u0161\u0165ovna vede o klientovi n\u011bjak\u00fd zdravotn\u00ed z\u00e1znam \u2013 nap\u0159\u00edklad m\u00e1 historicky sjednanou smlouvu \u2013 tak ho bez zdravotn\u00edho zkoum\u00e1n\u00ed nep\u0159ijme. N\u011bkter\u00e9 poji\u0161\u0165ovny se potom d\u00edvaj\u00ed zp\u011btn\u011b 5 let, n\u011bkter\u00e9 7 let, n\u011bkdo 10 let a u n\u011bkter\u00fdch diagn\u00f3z se d\u00edvaj\u00ed zp\u011btn\u011b na celou zdravotn\u00ed historii klienta. Tyto informace lze zjistit v pojistn\u00fdch podm\u00ednk\u00e1ch dan\u00e9 poji\u0161\u0165ovny. Pokud byste toto opomn\u011bli,\u00a0 potom by to mohlo v\u00e9st k nepln\u011bn\u00ed ze strany poji\u0161\u0165ovny.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tabulka-srovnani-pojisteni-bez-zkoumani-zdravotniho-stavu\"><strong>Srovn\u00e1n\u00ed poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu<\/strong>: dosp\u011bl\u00ed<\/h2>\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\/2024\/09\/dospeli_zp.png\" alt=\"\" class=\"wp-image-2599\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/dospeli_zp.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/dospeli_zp-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/dospeli_zp-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">V tabulce najdete pojistiteln\u00e1 rizika a maxim\u00e1ln\u00ed pojistn\u00e9 \u010d\u00e1stky v \u010desk\u00fdch korun\u00e1ch. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">* U NN plat\u00ed, \u017ee pokud klient odpov\u00ed na jednu ot\u00e1zku ve zdravotn\u00edm dotazn\u00edku &#8222;NE&#8220;, kdy se ptaj\u00ed, zda m\u00e1 p\u0159iznanou invaliditu, zda je dr\u017eitelem ZTP, resp. ZTP\/P, zda je v pracovn\u00ed neschopnosti nebo zda o\u010dek\u00e1v\u00e1 v\u00fdsledky vy\u0161et\u0159en\u00ed kv\u016fli zdravotn\u00edm probl\u00e9m\u016fm, kter\u00e1 vznikly b\u011bhem posledn\u00edho p\u016fl roku nebo je objedn\u00e1n na n\u011bjak\u00fd opera\u010dn\u00ed z\u00e1krok (net\u00fdk\u00e1 se kosmetick\u00fdch z\u00e1krok\u016f), tak potom nemus\u00ed vypl\u0148ovat zdravotn\u00ed dotazn\u00edk do limit\u016f uveden\u00fdch v tabulce.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161\u0165ovny <strong>MetLife, G\u010cP, Komer\u010dn\u00ed poj. a Maxima&nbsp;zkoumaj\u00ed zdravotn\u00ed stav v\u017edy.<\/strong><\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\ud83d\udc49 <a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-dlouhodobe-pece\/\">Co je poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-srovn-n-poji-t-n-bez-zkoum-n-zdravotn-ho-stavu-d-ti\"><strong>Srovn\u00e1n\u00ed poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu<\/strong>: d\u011bti<\/h2>\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\/2024\/09\/deti_zp.png\" alt=\"\" class=\"wp-image-2600\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/deti_zp.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/deti_zp-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/deti_zp-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161\u0165ovny <strong>G\u010cP a Maxima&nbsp;zkoumaj\u00ed zdravotn\u00ed stav v\u017edy.<\/strong> Poji\u0161\u0165ovny&nbsp;<strong>MetLife, Komer\u010dn\u00ed poj. a Uniqa nezkoumaj\u00ed zdravotn\u00ed stav nikdy.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zaj\u00edmavou variantou m\u016f\u017ee b\u00fdt i <strong>skupinov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed od MetLife<\/strong>, kter\u00e9 firmy sjedn\u00e1vaj\u00ed sv\u00fdm zam\u011bstnanc\u016fm. Nejenom \u017ee pojistn\u00e9 hrad\u00ed zam\u011bstnavatel a zam\u011bstnanci z\u00edsk\u00e1vaj\u00ed v\u00fdrazn\u011b lep\u0161\u00ed podm\u00ednky ne\u017e v individu\u00e1ln\u00ed smlouv\u011b, ale p\u0159i sjedn\u00e1v\u00e1n\u00ed pro skupinu deseti a v\u00edce osob se jejich zdravotn\u00ed stav neposuzuje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed si sjedn\u00e1v\u00e1me proto, abychom p\u0159i ne\u010dekan\u00fdch a nahodil\u00fdch \u017eivotn\u00edch situac\u00edch nez\u016fstali bez finan\u010dn\u00edch prost\u0159edk\u016f. Pojistn\u00e9 n\u00e1m pom\u00e1h\u00e1 p\u0159echodn\u00e9, pop\u0159\u00edpad\u011b i trval\u00e9 obdob\u00ed sn\u00ed\u017een\u00fdch p\u0159\u00edjm\u016f p\u0159eklenout.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>V\u00fdb\u011br vhodn\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed rozhodn\u011b nepodce\u0148ujte.&nbsp;<\/strong>Obra\u0165te se na <a href=\"https:\/\/www.fingo.cz\/\">odborn\u00edky z FinGO.cz<\/a>, kte\u0159\u00ed maj\u00ed&nbsp;p\u0159ehled o cen\u00e1ch, podm\u00ednk\u00e1ch,&nbsp;ale i v\u00fdluk\u00e1ch \u010di h\u00e1\u010dc\u00edch r\u016fzn\u00fdch pojistn\u00fdch produkt\u016f na trhu a um\u00ed v\u00e1m je&nbsp;objektivn\u011b porovnat&nbsp;s ohledem na va\u0161e pot\u0159eby a \u017eivotn\u00ed i finan\u010dn\u00ed situaci.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pro \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se standardn\u011b vypl\u0148uje zdravotn\u00ed dotazn\u00edk. Samoz\u0159ejm\u011b se p\u0159edpokl\u00e1d\u00e1, \u017ee klient uvedl v\u0161echny informace pravdiv\u011b a nic nezaml\u010del. Na z\u00e1klad\u011b informac\u00ed ve vypln\u011bn\u00e9m zdravotn\u00edm dotazn\u00edku n\u00e1sleduje zdravotn\u00ed oce\u0148ov\u00e1n\u00ed prov\u00e1d\u011bn\u00e9 poji\u0161\u0165ovnou. Z\u00e1le\u017e\u00ed na poji\u0161\u0165ovn\u011b, zda navr\u017een\u00e1 rizika a u nich nastaven\u00e9 pojistn\u00e9 \u010d\u00e1stky akceptuje a klienta p\u0159ijme do poji\u0161t\u011bn\u00ed.\u00a0 V&nbsp;nemal\u00e9 m\u00ed\u0159e se st\u00e1v\u00e1, \u017ee poji\u0161\u0165ovna vyhodnot\u00ed klienta dle jeho zdravotn\u00ed anamn\u00e9zy za rizikov\u00e9ho. V&nbsp;takov\u00e9m p\u0159\u00edpad\u011b se klientovi sna\u017e\u00ed nab\u00eddnout dal\u0161\u00ed \u0159e\u0161en\u00ed. Poji\u0161\u0165ovna m\u016f\u017ee u vybran\u00fdch rizik nav\u00fd\u0161it \u00fahradu pojistn\u00e9ho nebo ur\u010dit\u00e1 rizika ze smlouvy \u00fapln\u011b vylou\u010dit. M\u016f\u017ee se v\u0161ak st\u00e1t, \u017ee poji\u0161t\u011bn\u00e9ho nep\u0159ijme do poji\u0161t\u011bn\u00ed v\u016fbec. Ob\u00e1v\u00e1te se, \u017ee neprojdete zdravotn\u00edm zkoum\u00e1n\u00edm? Pro ob\u010dana s b\u011b\u017en\u00fdmi p\u0159\u00edjmy je nejhor\u0161\u00ed variantou neb\u00fdt poji\u0161t\u011bn v\u016fbec. Proto by se m\u011bl nejl\u00e9pe spolu se zku\u0161en\u00fdm poradcem v oblasti \u017eivotn\u00edho poji\u0161t\u011bn\u00ed poradit, jak\u00e9 jsou mo\u017enosti. V \u00favahu p\u0159ipadaj\u00ed bal\u00ed\u010dky \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, kter\u00e9 poji\u0161\u0165ovny nab\u00edzej\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu. Toto \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je ur\u010den\u00e9 p\u0159edev\u0161\u00edm t\u011bm, kte\u0159\u00ed maj\u00ed obavy, \u017ee je poji\u0161\u0165ovna nemus\u00ed p\u0159\u00edjmout, ale z\u00e1rove\u0148 si uv\u011bdomuj\u00ed rizika, kter\u00e1 je v \u017eivot\u011b ohro\u017euj\u00ed. Dan\u00e1 rizika maj\u00ed v tomto p\u0159\u00edpad\u011b nastaven\u00e1 ni\u017e\u0161\u00ed limity pojistn\u00e9ho pln\u011bn\u00ed, st\u00e1le v\u0161ak p\u0159edstavuj\u00ed ur\u010ditou ochranu a jsou upraviteln\u00e1 podle p\u0159\u00e1n\u00ed klienta. Pod\u00edvejte se na srovn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed v na\u0161\u00ed kalkula\u010dce: [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":2318,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-534","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u017divotn\u00ed poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu<\/title>\n<meta name=\"description\" content=\"\u017divotn\u00ed poji\u0161t\u011bn\u00ed: p\u0159ehled poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu u r\u016fzn\u00fdch poji\u0161\u0165oven. 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