{"id":1548,"date":"2023-09-04T11:25:29","date_gmt":"2023-09-04T09:25:29","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1548"},"modified":"2023-09-06T09:14:03","modified_gmt":"2023-09-06T07:14:03","slug":"proc-sjednat-urazove-pojisteni-pro-deti","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/proc-sjednat-urazove-pojisteni-pro-deti\/","title":{"rendered":"Pro\u010d a jak sjednat \u00farazov\u00e9 poji\u0161t\u011bn\u00ed pro d\u011bti?\u00a0"},"content":{"rendered":"\n

D\u011btstv\u00ed je pln\u00e9 radosti, objevov\u00e1n\u00ed a her, ale i ne\u010dekan\u00fdch nehod. \u00daraz\u016f nav\u00edc p\u0159ib\u00fdv\u00e1 s t\u00edm, jak d\u011bti rostou, a najednou p\u0159ib\u00fdvaj\u00ed aktivity jako sportov\u00e1n\u00ed, t\u011blesn\u00e1 v\u00fdchova ve \u0161kole, krou\u017eky nebo dov\u00e1d\u011bn\u00ed s kamar\u00e1dy. <\/p>\n\n\n\n

Chv\u00edle nepozornosti m\u016f\u017ee m\u00edt neblah\u00e9 n\u00e1sledky nejen pro va\u0161e d\u00edt\u011b, ale i v\u00e1\u0161 pro rodinn\u00fd rozpo\u010det, proto\u017ee finan\u010dn\u00ed z\u00e1t\u011b\u017e spojen\u00e1 s l\u00e9\u010den\u00edm nebo p\u00e9\u010d\u00ed o zran\u011bn\u00e9 d\u00edt\u011b m\u016f\u017ee b\u00fdt v\u011bt\u0161\u00ed, ne\u017e jakou sami zvl\u00e1dnete. <\/p>\n\n\n\n

Pro\u010d d\u011btem sjednat \u00farazov\u00e9 poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n

N\u011bkter\u00fdm d\u011btsk\u00fdm \u00faraz\u016fm sice m\u016f\u017eete p\u0159edej\u00edt<\/a>, ani p\u0159i sebelep\u0161\u00ed p\u00e9\u010di ale nem\u016f\u017eete d\u00edt\u011b ochr\u00e1nit od v\u0161ech n\u00e1strah \u017eivota. Na\u0161t\u011bst\u00ed je tu ale \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1m m\u016f\u017ee v t\u011bchto situac\u00edch v\u00fdrazn\u011b pomoci. P\u0159edstavte si \u00farazov\u00e9 poji\u0161t\u011bn\u00ed jako ochrann\u00fd de\u0161tn\u00edk. Skl\u00e1d\u00e1 se z n\u011bkolika slo\u017eek, kter\u00e9 kryj\u00ed r\u016fzn\u00e1 rizika. Mezi n\u011b pat\u0159\u00ed poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f<\/strong> \u00farazu, denn\u00edho od\u0161kodn\u00e9ho za hospitalizaci a l\u00e9\u010den\u00ed<\/strong> n\u00e1sledkem \u00farazu (naz\u00fdvan\u00e9 n\u011bkdy jako \u201cbolestn\u00e9\u201d) a poji\u0161t\u011bn\u00ed smrti \u00farazem. Pokud k \u00farazu dojde, poji\u0161\u0165ovna v\u00e1m podle smlouvy vyplat\u00ed pln\u011bn\u00ed, kter\u00e9 m\u016f\u017ee b\u00fdt vyu\u017eito jak\u00fdmkoliv zp\u016fsobem podle va\u0161ich konkr\u00e9tn\u00edch pot\u0159eb. <\/p>\n\n\n\n

Pln\u011bn\u00ed m\u016f\u017ee pokr\u00fdt n\u00e1klady na l\u00e9\u010dbu nehrazenou z ve\u0159ejn\u00e9ho zdravotn\u00edho poji\u0161t\u011bn\u00ed, zaji\u0161t\u011bn\u00ed rehabilitac\u00ed nebo n\u00e1kup kompenza\u010dn\u00edch pom\u016fcek a zdravotnick\u00fdch pot\u0159eb. Z pojistky m\u016f\u017eete financovat i pot\u0159ebn\u00e9 \u00fapravy dom\u00e1cnosti a pln\u011bn\u00ed se bude hodit i v p\u0159\u00edpad\u011b, \u017ee budete cht\u00edt vyu\u017e\u00edt slu\u017eby ch\u016fvy, o\u0161et\u0159ovatele nebo asistenta. <\/p>\n\n\n\n

Kdy za\u010d\u00edt p\u0159em\u00fd\u0161let o \u00farazov\u00e9m poji\u0161t\u011bn\u00ed d\u011bt\u00ed? <\/h2>\n\n\n\n

\u00darazov\u00e9 poji\u0161t\u011bn\u00ed m\u00e1 sv\u00e9 v\u00fdhody v jak\u00e9mkoliv obdob\u00ed d\u011btsk\u00e9ho v\u00fdvoje. S poji\u0161t\u011bn\u00edm nemus\u00edte ot\u00e1let, je mo\u017en\u00e9 ho uzav\u0159\u00edt u\u017e kr\u00e1tce po narozen\u00ed d\u00edt\u011bte – nej\u010dast\u011bji od 6. t\u00fddne \u017eivota<\/strong>. Rizika ale na va\u0161e d\u00edtko v\u011bt\u0161inou za\u010dnou \u010d\u00edhat a\u017e ke konci kojeneck\u00e9ho v\u011bku, kdy za\u010dne objevovat okoln\u00ed sv\u011bt. Z pohledu d\u011btsk\u00fdch l\u00e9ka\u0159\u016f je ale pro d\u011bti z hlediska \u00faraz\u016f nejrizikov\u011bj\u0161\u00ed \u0161koln\u00ed v\u011bk, a to p\u0159edev\u0161\u00edm obdob\u00ed 10-15 let v\u011bku<\/strong>. \u00darazov\u00e9 poji\u0161t\u011bn\u00ed se jim bude zkr\u00e1tka hodit cel\u00e9 d\u011btstv\u00ed.<\/p>\n\n\n\n

\n
Srovnat \u00farazov\u00e9 poji\u0161t\u011bn\u00ed pro d\u011bti<\/a><\/div>\n<\/div>\n\n\n\n

\u00darazov\u00e9 i \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro d\u011bti m\u016f\u017eete uzav\u0159\u00edt a\u017e do 14-15 let. Hranic\u00ed 15 let u v\u011bt\u0161iny poji\u0161\u0165oven kon\u010d\u00ed takzvan\u00fd \u201cvstupn\u00ed v\u011bk\u201d pro d\u011btsk\u00e9 poji\u0161t\u011bn\u00ed. A\u0165 u\u017e pro d\u011bti sjedn\u00e1te \u00farazov\u00e9 poji\u0161t\u011bn\u00ed v \u00fatl\u00e9m v\u011bku nebo pozd\u011bji, poji\u0161t\u011bn\u00ed skon\u010d\u00ed zpravidla a\u017e dovr\u0161en\u00edm v\u011bku 25 let<\/strong>. Na konec \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed je vhodn\u00e9 nav\u00e1zat \u017eivotn\u00edm poji\u0161t\u011bn\u00edm<\/a>.<\/p>\n\n\n\n

Jak nastavit d\u011btsk\u00e9 \u00farazov\u00e9 poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n

Jednotliv\u00e1 poji\u0161t\u011bn\u00ed jsou pro d\u011bti a dosp\u00edvaj\u00edc\u00ed finan\u010dn\u011b v\u00fdhodn\u00e1<\/strong>, a p\u0159i p\u0159\u00edpadn\u00e9 pojistn\u00e9 ud\u00e1losti je d\u016fle\u017eit\u00e9 zabezpe\u010dit d\u00edt\u011bti nejlep\u0161\u00ed mo\u017enou p\u00e9\u010di. Nemus\u00edte se tedy b\u00e1t, \u017ee by \u00farazov\u00e9 poji\u0161t\u011bn\u00ed pro d\u011bti bylo p\u0159\u00edli\u0161 finan\u010dn\u011b n\u00e1ro\u010dn\u00e9, rad\u011bji se soust\u0159e\u010fte na jednotliv\u00e1 rizika a jejich kryt\u00ed. <\/p>\n\n\n\n

P\u0159i v\u00fdb\u011bru \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed pro d\u011bti byste se m\u011bli soust\u0159edit p\u0159edev\u0161\u00edm na poji\u0161t\u011bn\u00ed dlouhodob\u00fdch dopad\u016f, tedy zejm\u00e9na trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/strong>. To by m\u011blo slou\u017eit p\u0159edev\u0161\u00edm k zaji\u0161t\u011bn\u00ed v situaci, kdy \u00faraz zanech\u00e1 trval\u00fd n\u00e1sledek a m\u016f\u017ee ovlivnit cel\u00fd \u017eivot. Pojistnou \u010d\u00e1stku tedy nastavte co nejvy\u0161\u0161\u00ed, minim\u00e1ln\u011b na 1 milion K\u010d<\/strong>. L\u00e9\u010den\u00ed a n\u00e1sledn\u00e1 p\u00e9\u010de je zpravidla velmi n\u00e1kladn\u00e1, a to i s ohledem na to, \u017ee n\u00e1sledky vzniknou v n\u00edzk\u00e9m v\u011bku.<\/p>\n\n\n\n

Dobr\u00e9 \u00farazov\u00e9 poji\u0161t\u011bn\u00ed by m\u011blo obsahovat tak\u00e9 progresivn\u00ed pln\u011bn\u00ed<\/strong>. To znamen\u00e1, \u017ee \u010d\u00edm z\u00e1va\u017en\u011bj\u0161\u00ed bude \u00faraz dle oce\u0148ovac\u00edch tabulek poji\u0161\u0165ovny, t\u00edm vy\u0161\u0161\u00ed bude pojistn\u00e9 pln\u011bn\u00ed. Pojistn\u00e9 pln\u011bn\u00ed m\u016f\u017ee b\u00fdt ve v\u00fdsledku d\u00edky progresi v\u00fdrazn\u011b vy\u0161\u0161\u00ed, a to i n\u011bkolikan\u00e1sobn\u011b. <\/p>\n\n\n\n

Vyu\u017eijte tak\u00e9 poji\u0161t\u011bn\u00ed hospitalizace<\/strong>, kter\u00e9 zpravidla b\u00fdv\u00e1 levn\u00e9 a p\u0159\u00edli\u0161 nezas\u00e1hne do v\u00fd\u0161e pojistn\u00e9ho. Poji\u0161t\u011bn\u00ed si sjednejte na \u010d\u00e1stku alespo\u0148 500 K\u010d za den<\/strong>, abyste si mohli dovolit nap\u0159\u00edklad zajistit d\u00edt\u011bti nadstandardn\u00ed l\u00e9\u010dbu nebo se v pr\u016fb\u011bhu pobytu d\u00edt\u011bte v nemocnici mohli ubytovat v jej\u00ed bl\u00edzkosti. Pln\u011bn\u00ed poji\u0161\u0165ovna b\u011b\u017en\u011b vypl\u00e1c\u00ed u\u017e po prvn\u00edm dni hospitalizace, pokud dojde k propu\u0161t\u011bn\u00ed a\u017e dal\u0161\u00ed den po p\u0159ijet\u00ed. N\u011bkter\u00e9 poji\u0161\u0165ovny vypl\u00e1c\u00ed pln\u011bn\u00ed nejen za hospitalizaci v nemocnici, ale nap\u0159\u00edklad i za pobyt v rehabilita\u010dn\u00edm za\u0159\u00edzen\u00ed.<\/p>\n\n\n\n

Pokud by v\u00e1s i kr\u00e1tkodob\u00fd v\u00fdpadek p\u0159\u00edjmu kv\u016fli \u00farazu d\u00edt\u011bte finan\u010dn\u011b po\u0161kodil, zaj\u00edmat v\u00e1s bude poji\u0161t\u011bn\u00ed denn\u00edho od\u0161kodn\u00e9ho<\/strong>. Nej\u010dast\u011bji se sjedn\u00e1v\u00e1 kv\u016fli b\u011b\u017en\u00fdm \u00faraz\u016fm, kter\u00e9 nejsou z dlouhodob\u00e9ho hlediska z\u00e1va\u017en\u00e9 (zlomeniny, ot\u0159es mozku ad.). Pokud m\u016f\u017eete b\u011bhem rekonvalescence d\u00edt\u011bte nap\u0159\u00edklad pracovat z domova, nemus\u00edte si toto poji\u0161t\u011bn\u00ed sjedn\u00e1vat. <\/p>\n\n\n\n

Sta\u010d\u00ed kr\u00e1tkodob\u00e9 \u00farazov\u00e9 poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n

N\u011bkter\u00e9 poji\u0161\u0165ovny nab\u00edz\u00ed sjedn\u00e1n\u00ed kr\u00e1tkodob\u00e9ho \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed. Rodi\u010de si ho mohou sjednat nap\u0159\u00edklad p\u0159ed \u0161kolou v p\u0159\u00edrod\u011b, dobrodru\u017en\u00fdmi v\u00fdlety nebo pr\u00e1zdninov\u00fdmi t\u00e1bory. Pokud d\u00edt\u011b vyr\u00e1\u017e\u00ed do zahrani\u010d\u00ed, \u00farazov\u00e9 poji\u0161t\u011bn\u00ed je mo\u017en\u00e9 sjednat rovnou v r\u00e1mci cestovn\u00edho poji\u0161t\u011bn\u00ed<\/a>. M\u011bjte ale na pam\u011bti, \u017ee t\u00e9m\u011b\u0159 ka\u017ed\u00fd druh\u00fd z\u00e1va\u017en\u00fd d\u011btsk\u00fd \u00faraz se stane doma<\/strong>. Rozumn\u011bj\u0161\u00ed volbou je proto sjedn\u00e1n\u00ed \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed, kter\u00e9 bude d\u00edt\u011b doprov\u00e1zet nep\u0159etr\u017eit\u011b a\u017e do dosp\u011blosti.<\/p>\n\n\n\n

Jste starostliv\u00fd rodi\u010d a p\u0159em\u00fd\u0161l\u00edte, co byste pro zdrav\u00ed sv\u00fdch d\u011bt\u00ed je\u0161t\u011b mohli ud\u011blat? M\u016f\u017eete jim sjednat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> s komplexn\u00edm pojistn\u00fdm kryt\u00edm \u00faraz\u016f i nemoc\u00ed<\/strong>. Na rozd\u00edl od dosp\u011bl\u00fdch v\u0161ak d\u011bti v\u011bt\u0161inou trp\u00ed sp\u00ed\u0161e \u00farazy ne\u017e z\u00e1va\u017en\u00fdmi onemocn\u011bn\u00edmi, a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed je pro n\u011b dosta\u010duj\u00edc\u00ed. Oproti \u017eivotku je nav\u00edc i v\u00fdrazn\u011b levn\u011bj\u0161\u00ed. <\/p>\n\n\n\n

\n
Srovnat \u00farazov\u00e9 poji\u0161t\u011bn\u00ed d\u011bt\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

D\u011btstv\u00ed je pln\u00e9 radosti, objevov\u00e1n\u00ed a her, ale i ne\u010dekan\u00fdch nehod. \u00daraz\u016f nav\u00edc p\u0159ib\u00fdv\u00e1 s t\u00edm, jak d\u011bti rostou, a najednou p\u0159ib\u00fdvaj\u00ed aktivity jako sportov\u00e1n\u00ed, t\u011blesn\u00e1 v\u00fdchova ve \u0161kole, krou\u017eky nebo dov\u00e1d\u011bn\u00ed s kamar\u00e1dy. <\/p>\n","protected":false},"author":11,"featured_media":1550,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,8],"tags":[30],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1548"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1548"}],"version-history":[{"count":6,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1548\/revisions"}],"predecessor-version":[{"id":1583,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1548\/revisions\/1583"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1550"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1548"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1548"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}