{"id":979,"date":"2022-11-14T18:03:12","date_gmt":"2022-11-14T18:03:12","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=979"},"modified":"2022-11-14T18:03:13","modified_gmt":"2022-11-14T18:03:13","slug":"vyznejte-se-v-pojisteni-pracovni-neschopnosti","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/vyznejte-se-v-pojisteni-pracovni-neschopnosti\/","title":{"rendered":"Vyznejte se v poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti"},"content":{"rendered":"\n<p>V \u017eivot\u011b m\u016f\u017eou nastat okam\u017eiky, kdy prost\u011b nebudete schopn\u00ed pracovat. Myslete na to dop\u0159edu a za\u0159i\u010fte si v\u010das poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti, a\u0165 se zbyte\u010dn\u011b nep\u0159iprav\u00edte o cel\u00fd p\u0159\u00edjem. Ten by v\u00e1m pak mohl chyb\u011bt na spl\u00e1tky hypot\u00e9ky nebo na provoz dom\u00e1cnosti. Co pot\u0159ebujete v\u011bd\u011bt, ne\u017e se nech\u00e1te pojistit?<\/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-maxim-ln-denn-d-vka-u-poji-t-n-pracovn-neschopnosti\">Maxim\u00e1ln\u00ed denn\u00ed d\u00e1vka u poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/a><\/li><li class=\"\"><a href=\"#htoc-co-je-to-karence\">Co je to karence<\/a><\/li><li class=\"\"><a href=\"#htoc-ekac-doba-u-poji-t-n-pracovn-neschopnosti\">\u010cekac\u00ed doba u poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/a><\/li><li class=\"\"><a href=\"#htoc-kdy-je-pot-eba-zdravotn-zkoum-n\">Kdy je pot\u0159eba zdravotn\u00ed zkoum\u00e1n\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-kdy-se-p-istupuje-k-finan-n-mu-zkoum-n\">Kdy se p\u0159istupuje k finan\u010dn\u00edmu zkoum\u00e1n\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-jakou-zemn-platnost-poji-ovny-stanovuj\">Jakou \u00fazemn\u00ed platnost poji\u0161\u0165ovny stanovuj\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-kdy-nahl-sit-pojistnou-ud-lost\">Kdy nahl\u00e1sit pojistnou ud\u00e1lost<\/a><\/li><li class=\"\"><a href=\"#htoc-kr-cen-pln-n-za-alkohol\">Kr\u00e1cen\u00ed pln\u011bn\u00ed za alkohol<\/a><\/li><li class=\"\"><a href=\"#htoc-pln-n-za-rehabilitace-l-zn-l-ebny-a-sanatoria\">Pln\u011bn\u00ed za rehabilitace, l\u00e1zn\u011b, l\u00e9\u010debny a sanatoria<\/a><\/li><li class=\"\"><a href=\"#htoc-pracovn-neschopnost-z-p-in-vznikl-ch-p-ed-za-tkem-poji-t-n\">Pracovn\u00ed neschopnost z p\u0159\u00ed\u010din vznikl\u00fdch p\u0159ed za\u010d\u00e1tkem poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-pracovn-neschopnost-zp-soben-onemocn-n-m-zad\">Pracovn\u00ed neschopnost zp\u016fsoben\u00e1 onemocn\u011bn\u00edm zad<\/a><\/li><li class=\"\"><a href=\"#htoc-pracovn-neschopnost-kv-li-psychick-m-probl-m-m\">Pracovn\u00ed neschopnost kv\u016fli psychick\u00fdm probl\u00e9m\u016fm<\/a><\/li><li class=\"\"><a href=\"#htoc-pracovn-neschopnost-v-d-sledku-pracovn-ho-razu-nebo-nemoci-z-povol-n\">Pracovn\u00ed neschopnost v d\u016fsledku pracovn\u00edho \u00farazu nebo nemoci z povol\u00e1n\u00ed<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-maxim-ln-denn-d-vka-u-poji-t-n-pracovn-neschopnosti\"><strong>Maxim\u00e1ln\u00ed denn\u00ed d\u00e1vka u poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/strong><\/h2>\n\n\n\n<p>Maximum, kter\u00e9 od poji\u0161\u0165ovny p\u0159i pracovn\u00ed neschopnosti dostanete, se pohybuje se mezi 1 000 K\u010d a\u017e 10 000 K\u010d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-je-to-karence\"><strong>Co je to karence<\/strong><\/h2>\n\n\n\n<p>Karence je doba, odkdy m\u00e1te n\u00e1rok na pln\u011bn\u00ed pojistn\u00e9 smlouvy. Nej\u010dast\u011bji to b\u00fdv\u00e1 od 15. nebo 29. dne. N\u011bkter\u00e9 poji\u0161\u0165ovny nab\u00edzej\u00ed i del\u0161\u00ed karence, kter\u00e9 se pohybuj\u00ed kolem 60 dn\u00ed. Standardn\u011b se nepo\u010d\u00edt\u00e1 zp\u011btn\u011b, ale u n\u011bkter\u00fdch poji\u0161\u0165oven se setk\u00e1te i s variantou zp\u011btn\u00e9ho pln\u011bn\u00ed od 1. dne. Za to si ale samoz\u0159ejm\u011b trochu p\u0159iplat\u00edte.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-ekac-doba-u-poji-t-n-pracovn-neschopnosti\"><strong>\u010cekac\u00ed doba u poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/strong><\/h2>\n\n\n\n<p>Standardn\u00ed \u010dekac\u00ed doba je 2 nebo 3 m\u011bs\u00edce, 8 m\u011bs\u00edc\u016f pak pro t\u011bhotenstv\u00ed a porod.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>U rizikov\u00e9ho t\u011bhotenstv\u00ed b\u00fdv\u00e1 pln\u011bn\u00ed 30 nebo 60 dn\u016f. Maximem je v\u00fdplata 90 dn\u016f.<\/li>\n\n\n\n<li>U psychick\u00fdch onemocn\u011bn\u00ed se setk\u00e1me s \u010dekac\u00ed dobou 12 m\u011bs\u00edc\u016f, u z\u00e1vislost\u00ed pak 24 m\u011bs\u00edc\u016f.&nbsp;<\/li>\n\n\n\n<li>Pln\u011bn\u00ed za standardn\u00ed neschopnost je 365, 548 nebo 730 dn\u016f. N\u011bkter\u00e9 poji\u0161\u0165ovny pln\u00ed i bez limitu po\u010dtu dn\u016f.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kdy-je-pot-eba-zdravotn-zkoum-n\"><strong>Kdy je pot\u0159eba zdravotn\u00ed zkoum\u00e1n\u00ed<\/strong><\/h2>\n\n\n\n<p>N\u011bkter\u00e9 poji\u0161\u0165ovny <a href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-bez-zkoumani-zdravotniho-stavu\/\">v\u00e1\u0161 zdravotn\u00ed stav<\/a> zkoumaj\u00ed v\u017edy. N\u011bkter\u00e9 ale a\u017e nad 300 K\u010d, p\u0159\u00edpadn\u011b nad 500 K\u010d denn\u00ed d\u00e1vky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kdy-se-p-istupuje-k-finan-n-mu-zkoum-n\"><strong>Kdy se p\u0159istupuje k finan\u010dn\u00edmu zkoum\u00e1n\u00ed<\/strong><\/h2>\n\n\n\n<p>Prakticky v\u0161echny poji\u0161\u0165ovny maj\u00ed stanovenou ur\u010ditou denn\u00ed d\u00e1vku, do kter\u00e9 nezkoumaj\u00ed p\u0159\u00edjem. V\u011bt\u0161inou je to 500 K\u010d denn\u011b. M\u016f\u017eeme se ale setkat i s p\u0159\u00edstupem, kdy poji\u0161\u0165ovna do 650 K\u010d nezkoum\u00e1 v\u016fbec, do 1 000 K\u010d j\u00ed sta\u010d\u00ed \u010destn\u00e9 prohl\u00e1\u0161en\u00ed a a\u017e nad 1 000 K\u010d denn\u011b je pot\u0159eba dokl\u00e1dat p\u0159\u00edjem.<\/p>\n\n\n\n<p>Dejte si pozor tak\u00e9 na to, \u017ee n\u011bkter\u00e9 poji\u0161\u0165ovny s\u010d\u00edtaj\u00ed denn\u00ed d\u00e1vky i s konkurenc\u00ed. Co to znamen\u00e1?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>P\u0159edstavte si, \u017ee va\u0161e poji\u0161\u0165ovna m\u00e1 nastaven\u00fd limit bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f na 500 K\u010d denn\u011b. M\u016f\u017ee se ale st\u00e1t, \u017ee m\u00e1te denn\u00ed d\u00e1vku 300 K\u010d i u konkurence. V takov\u00e9m p\u0159\u00edpad\u011b si zvolte d\u00e1vku maxim\u00e1ln\u011b 200 K\u010d.<\/em><\/li>\n<\/ul>\n\n\n\n<p>N\u011bkter\u00e9 poji\u0161\u0165ovny tak\u00e9 intern\u011b s\u010d\u00edtaj\u00ed denn\u00ed d\u00e1vku za riziko pracovn\u00ed neschopnosti a z\u00e1rove\u0148 za riziko denn\u00edho od\u0161kodn\u00e9ho. Co s t\u00edm?&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>M\u00e1te sjednanou denn\u00ed d\u00e1vku od\u0161kodn\u00e9ho nap\u0159\u00edklad na 500 K\u010d. Va\u0161e poji\u0161\u0165ovna u pracovn\u00ed neschopnosti stanovila strop pro posuzov\u00e1n\u00ed p\u0159\u00edjmu tak\u00e9 na 500 K\u010d. Pak mus\u00edte p\u0159\u00edjem p\u0159i zvolen\u00ed jak\u00e9koliv d\u00e1vky pracovn\u00ed neschopnosti dolo\u017eit.<\/em><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jakou-zemn-platnost-poji-ovny-stanovuj\"><strong>Jakou \u00fazemn\u00ed platnost poji\u0161\u0165ovny stanovuj\u00ed<\/strong><\/h2>\n\n\n\n<p>I tady se jednotliv\u00e9 poji\u0161\u0165ovny li\u0161\u00ed. N\u011bkter\u00e9 pln\u00ed i v p\u0159\u00edpad\u011b, \u017ee k pracovn\u00ed neschopnosti dojde kdekoliv na sv\u011bt\u011b, jin\u00e9 jen v r\u00e1mci EU nebo EHP. A dal\u0161\u00ed se omezuj\u00ed jen na pln\u011bn\u00ed v r\u00e1mci \u010cesk\u00e9 republiky. S touto omezenou \u00fazemn\u00ed platnost\u00ed se u\u017e ale setk\u00e1v\u00e1me sp\u00ed\u0161e ojedin\u011ble.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kdy-nahl-sit-pojistnou-ud-lost\"><strong>Kdy nahl\u00e1sit pojistnou ud\u00e1lost<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">N\u011bkter\u00e9 poji\u0161\u0165ovny<\/a> jsou benevolentn\u00ed a dovol\u00ed v\u00e1m nahl\u00e1sit pojistnou ud\u00e1lost a\u017e po skon\u010den\u00ed pracovn\u00ed neschopnosti. Jin\u00e9 ji ale cht\u011bj\u00ed nahl\u00e1sit neprodlen\u011b po karen\u010dn\u00ed dob\u011b, dal\u0161\u00ed dokonce co nejd\u0159\u00edve \u2013 nejpozd\u011bji ke dni, od kter\u00e9ho m\u00e1te podle smlouvy n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<p>Kdy\u017e ud\u00e1lost nahl\u00e1s\u00edte pozd\u011bji, poji\u0161\u0165ovna v\u00e1m pln\u011bn\u00ed p\u0159izn\u00e1 a\u017e ode dne doru\u010den\u00ed tohoto potvrzen\u00ed. Nav\u00edc se najdou i poji\u0161\u0165ovny, kter\u00e9 cht\u011bj\u00ed, aby klient pravideln\u011b dokl\u00e1dal, \u017ee jeho pracovn\u00ed neschopnost st\u00e1le trv\u00e1. Na druhou stranu na trhu objev\u00edme i mno\u017estv\u00ed poji\u0161\u0165oven, kter\u00e9 to v\u016fbec ne\u0159e\u0161\u00ed.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"647\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2022\/11\/pojisteni-pracovni-neschopnosti.jpg\" alt=\"muz s dominem\" class=\"wp-image-981\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2022\/11\/pojisteni-pracovni-neschopnosti.jpg 1000w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2022\/11\/pojisteni-pracovni-neschopnosti-300x194.jpg 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2022\/11\/pojisteni-pracovni-neschopnosti-768x497.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-kr-cen-pln-n-za-alkohol\"><strong>Kr\u00e1cen\u00ed pln\u011bn\u00ed za alkohol<\/strong><\/h2>\n\n\n\n<p>Pozor na alkohol. N\u011bkter\u00e9 poji\u0161\u0165ovny pak kr\u00e1t\u00ed pojistn\u00e9 pln\u011bn\u00ed a\u017e o 50 %. Jin\u00e9 na tyto p\u0159\u00edpady maj\u00ed dokonce v\u00fdluku a nemus\u00ed tak plnit v\u016fbec.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-pln-n-za-rehabilitace-l-zn-l-ebny-a-sanatoria\"><strong>Pln\u011bn\u00ed za rehabilitace, l\u00e1zn\u011b, l\u00e9\u010debny a sanatoria<\/strong><\/h2>\n\n\n\n<p>N\u011bkter\u00e9 poji\u0161\u0165ovny u\u017e tyto pobyty \u010dasto propl\u00e1c\u00ed. M\u011bjte ale na pam\u011bti, \u017ee \u010dasto omezuj\u00ed dobu, dokdy mus\u00edte do za\u0159\u00edzen\u00ed nastoupit \u2013 nap\u0159\u00edklad do 3 m\u011bs\u00edc\u016f od skon\u010den\u00ed pracovn\u00ed neschopnosti. N\u011bkdy nav\u00edc po\u017eaduj\u00ed schv\u00e1len\u00ed pobytu sv\u00fdm revizn\u00edm l\u00e9ka\u0159em.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-pracovn-neschopnost-z-p-in-vznikl-ch-p-ed-za-tkem-poji-t-n\"><strong>Pracovn\u00ed neschopnost z p\u0159\u00ed\u010din vznikl\u00fdch p\u0159ed za\u010d\u00e1tkem poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Pokud v\u00e1s poji\u0161\u0165ovna p\u0159ijme bez individu\u00e1ln\u00edch v\u00fdluk, v\u011bt\u0161inou pln\u00ed poji\u0161t\u011bn\u00ed i v takov\u00fdch p\u0159\u00edpadech. N\u011bkter\u00e9 poji\u0161\u0165ovny ale pln\u011bn\u00ed podmi\u0148uj\u00ed t\u00edm, \u017ee jste se 2, 5 nebo 7 let p\u0159ed za\u010d\u00e1tkem poji\u0161t\u011bn\u00ed s <a href=\"https:\/\/www.fingo.cz\/blog\/pripojisteni-pracovni-neschopnosti\/\">dan\u00fdm onemocn\u011bn\u00edm<\/a> nebo \u00farazem nepot\u00fdkali.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-pracovn-neschopnost-zp-soben-onemocn-n-m-zad\"><strong>Pracovn\u00ed neschopnost zp\u016fsoben\u00e1 onemocn\u011bn\u00edm zad<\/strong><\/h2>\n\n\n\n<p>Tady se p\u0159\u00edstup poji\u0161\u0165oven velmi li\u0161\u00ed. N\u011bkter\u00e9 maj\u00ed onemocn\u011bn\u00ed zad rovnou ve v\u00fdluk\u00e1ch, jin\u00e1 pro tyto p\u0159\u00edpady maj\u00ed r\u016fzn\u00e1 omezen\u00ed \u2013 nap\u0159\u00edklad vy\u0161et\u0159en\u00ed zad zobrazovac\u00edmi metodami. Jsou ale i poji\u0161\u0165ovny, kter\u00e9 k tomuto probl\u00e9mu p\u0159istupuj\u00ed bez jak\u00fdchkoliv v\u00fdluk, jen mus\u00edte b\u00fdt p\u0159ed za\u010d\u00e1tkem poji\u0161t\u011bn\u00ed zdrav\u00ed, p\u0159\u00edpadn\u011b splnit \u010dekac\u00ed dobu ur\u010denou poji\u0161\u0165ovnou, nap\u0159\u00edklad 2 roky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-pracovn-neschopnost-kv-li-psychick-m-probl-m-m\"><strong>Pracovn\u00ed neschopnost kv\u016fli psychick\u00fdm probl\u00e9m\u016fm<\/strong><\/h2>\n\n\n\n<p>U psychick\u00fdch pot\u00ed\u017e\u00ed v\u011bt\u0161ina poji\u0161\u0165oven pln\u00ed omezen\u011b, nebo dokonce v\u016fbec. Omezen\u011b znamen\u00e1, \u017ee vyplat\u00ed pojistn\u00e9 pln\u011bn\u00ed jen za diagn\u00f3zy F00-09 (organick\u00e9 du\u0161evn\u00ed poruchy), p\u0159\u00edpadn\u011b F20 (schizofrenie).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-pracovn-neschopnost-v-d-sledku-pracovn-ho-razu-nebo-nemoci-z-povol-n\"><strong>Pracovn\u00ed neschopnost v d\u016fsledku pracovn\u00edho \u00farazu nebo nemoci z povol\u00e1n\u00ed<\/strong><\/h2>\n\n\n\n<p>Dobr\u00e1 zpr\u00e1va na z\u00e1v\u011br. Prakticky skoro v\u0161echny poji\u0161\u0165ovny v\u00e1m dnes zaplat\u00ed pracovn\u00ed \u00faraz. N\u011bkter\u00e9 to maj\u00ed zabalen\u00e9 automaticky do dan\u00e9ho rizika, u n\u011bkter\u00fdch je t\u0159eba toto riziko p\u0159ipojistit. Stejn\u011b tak nemaj\u00ed probl\u00e9my plnit za nemoci z povol\u00e1n\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V \u017eivot\u011b m\u016f\u017eou nastat okam\u017eiky, kdy prost\u011b nebudete schopn\u00ed pracovat. Myslete na to dop\u0159edu a za\u0159i\u010fte si v\u010das poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti, a\u0165 se zbyte\u010dn\u011b nep\u0159iprav\u00edte o cel\u00fd p\u0159\u00edjem. Ten by v\u00e1m pak mohl chyb\u011bt na spl\u00e1tky hypot\u00e9ky nebo na provoz dom\u00e1cnosti. Co pot\u0159ebujete v\u011bd\u011bt, ne\u017e se nech\u00e1te pojistit? Maxim\u00e1ln\u00ed denn\u00ed d\u00e1vka u poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti Maximum, kter\u00e9 od poji\u0161\u0165ovny p\u0159i pracovn\u00ed neschopnosti dostanete, se pohybuje se mezi 1 000 K\u010d a\u017e 10 000 K\u010d. Co je to karence Karence je doba, odkdy m\u00e1te n\u00e1rok na pln\u011bn\u00ed pojistn\u00e9 smlouvy. Nej\u010dast\u011bji to b\u00fdv\u00e1 od 15. nebo 29. dne. N\u011bkter\u00e9 poji\u0161\u0165ovny nab\u00edzej\u00ed i del\u0161\u00ed karence, kter\u00e9 se pohybuj\u00ed kolem 60 dn\u00ed. Standardn\u011b se nepo\u010d\u00edt\u00e1 zp\u011btn\u011b, ale u n\u011bkter\u00fdch poji\u0161\u0165oven se setk\u00e1te i s variantou zp\u011btn\u00e9ho pln\u011bn\u00ed od 1. dne. Za to si ale samoz\u0159ejm\u011b trochu p\u0159iplat\u00edte. \u010cekac\u00ed doba u poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti Standardn\u00ed \u010dekac\u00ed doba je 2 nebo 3 m\u011bs\u00edce, 8 m\u011bs\u00edc\u016f pak pro t\u011bhotenstv\u00ed a porod. Kdy je pot\u0159eba zdravotn\u00ed zkoum\u00e1n\u00ed N\u011bkter\u00e9 poji\u0161\u0165ovny v\u00e1\u0161 zdravotn\u00ed stav zkoumaj\u00ed v\u017edy. N\u011bkter\u00e9 ale a\u017e nad 300 K\u010d, p\u0159\u00edpadn\u011b nad 500 K\u010d denn\u00ed d\u00e1vky. Kdy se p\u0159istupuje k finan\u010dn\u00edmu zkoum\u00e1n\u00ed Prakticky v\u0161echny poji\u0161\u0165ovny maj\u00ed stanovenou ur\u010ditou denn\u00ed d\u00e1vku, do kter\u00e9 nezkoumaj\u00ed p\u0159\u00edjem. V\u011bt\u0161inou je to 500 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":982,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[18,26,27],"class_list":["post-979","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni","tag-pojisteni","tag-pracovni-neschopnost","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>Vyznejte se v poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Kdy\u017e nem\u016f\u017eete vyd\u011bl\u00e1vat, zachr\u00e1n\u00ed v\u00e1s poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti. 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