{"id":1702,"date":"2023-10-26T09:52:27","date_gmt":"2023-10-26T07:52:27","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1702"},"modified":"2024-01-23T10:32:29","modified_gmt":"2024-01-23T09:32:29","slug":"sport-zivotni-a-urazove-pojisteni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/sport-zivotni-a-urazove-pojisteni\/","title":{"rendered":"Nen\u00ed sport jako sport. Jak na \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, kdy\u017e m\u00e1te r\u00e1di adrenalin?"},"content":{"rendered":"\n<p>Ve zdrav\u00e9m t\u011ble zdrav\u00fd duch, prav\u00ed Sokolov\u00e9. Sportovn\u00ed aktivity jsou r\u016fznorod\u00e9 a n\u011bkter\u00e9 \u010dinnosti poji\u0161\u0165ovny v\u00edtaj\u00ed, jin\u00e9 ale zase nevid\u00ed r\u00e1dy. Va\u0161e pohybov\u00e9 n\u00e1vyky rozhoduj\u00ed i o tom, jestli si v\u016fbec \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed s kryt\u00edm v\u0161ech va\u0161ich obl\u00edben\u00fdch sport\u016f budete moci sjednat.&nbsp;<\/p>\n\n\n\n<p>Pro\u010d se okolo sport\u016f v poji\u0161\u0165ovn\u00e1ch na\u0161lapuje po \u0161pi\u010dk\u00e1ch? Vysv\u011btlen\u00ed je jednoduch\u00e9 &#8211; n\u011bkter\u00e9 s sebou p\u0159in\u00e1\u0161\u00ed zv\u00fd\u0161en\u00e9 riziko \u00faraz\u016f. Asi uzn\u00e1te, \u017ee takov\u00fd golf s sebou p\u0159in\u00e1\u0161\u00ed ni\u017e\u0161\u00ed pravd\u011bpodobnost \u00farazu ne\u017e t\u0159eba takov\u00fd bungee jumping. Vyklouben\u00e9 rameno v\u00e1s sice m\u016f\u017ee potkat p\u0159i jak\u00e9koliv p\u0159\u00edle\u017eitosti, ale k v\u00e1\u017en\u00fdm \u00faraz\u016fm a p\u0159\u00edm\u00e9mu ohro\u017een\u00ed \u017eivota p\u0159i v\u011bt\u0161in\u011b \u201cp\u0159\u00edzemn\u00edch\u201d sportovn\u00edch aktivit nedojde.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sport vs. \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p>Ka\u017ed\u00e1 z poji\u0161\u0165oven v r\u00e1mci \u017eivotn\u00edho a \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed kategorizuje sporty vlastn\u00ed metodikou. Obecn\u011b ale m\u016f\u017eeme \u0159\u00edci, \u017ee sporty d\u011bl\u00ed do t\u0159\u00ed kategori\u00ed podle rizikovosti na <strong>rekrea\u010dn\u00ed, rizikov\u00e9 a extr\u00e9mn\u00ed<\/strong>, kter\u00e9 jsou zpravidla <strong>nepojistiteln\u00e9<\/strong>. To znamen\u00e1, \u017ee za \u017e\u00e1dn\u00fdch okolnost\u00ed nejsou \u00farazy vznikl\u00e9 provozov\u00e1n\u00edm takov\u00e9ho sportu kryt\u00e9. Dal\u0161\u00ed hledisko kategorizace poji\u0161\u0165oven spo\u010d\u00edv\u00e1 v \u00farovni, na jak\u00e9 se sportu v\u011bnujete. Nej\u010dast\u011bji se d\u011bl\u00ed na \u00farove\u0148 <strong>rekrea\u010dn\u00ed, krajskou a n\u00e1rodn\u00ed<\/strong>, nadn\u00e1rodn\u00ed \u010di profesion\u00e1ln\u00ed, kter\u00e1 je hodnocena nejp\u0159\u00edsn\u011bji. N\u011bkter\u00e9 vy\u0161\u0161\u00ed \u00farovn\u011b sportu sice pojistka standardn\u011b nezahrnuje, je ale mo\u017en\u00e9 je u n\u011bkter\u00fdch poji\u0161\u0165oven zvl\u00e1\u0161\u0165 <strong>p\u0159ipojistit<\/strong>.&nbsp;<\/p>\n\n\n\n<p>M\u016f\u017ee se st\u00e1t, \u017ee i kdy\u017e provozujete rizikov\u00fd sport, ale odd\u00e1v\u00e1te se mu jen dvakr\u00e1t do roka, nebudete m\u00edt s uzav\u0159en\u00edm \u017eivotn\u00ed \u010di \u00farazov\u00e9 pojistky \u017e\u00e1dn\u00fd probl\u00e9m. A takto to funguje s v\u011bt\u0161inou sport\u016f. T\u0159eba i s obl\u00edben\u00fdm fotbalem. S okresn\u00edm p\u0159eborem \u017e\u00e1dn\u00e9 probl\u00e9my m\u00edt nebudete. Profesion\u00e1ln\u00ed fotbalista u\u017e ale p\u0159i sjedn\u00e1n\u00ed \u00farazov\u00e9ho a \u017eivotn\u00edho poji\u0161t\u011bn\u00ed m\u016f\u017ee narazit na komplikace. \u010casto se v poji\u0161\u0165ovn\u011b p\u0159i takov\u00e9 popt\u00e1vce nejprve prov\u00e1d\u00ed tzv. underwriting, neboli \u00fapis rizik, d\u00edky kter\u00e9mu poji\u0161\u0165ovna zhodnocuje, zda v\u016fbec m\u016f\u017ee takov\u00e9ho klienta akceptovat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 riziko je \u201ctak akor\u00e1t\u201d a jak\u00e9 u\u017e je moc?<\/h2>\n\n\n\n<p>Ka\u017ed\u00e1 poji\u0161\u0165ovna posuzuje rizikovost sport\u016f jinak. N\u011bkde tak m\u016f\u017ee v\u00e1\u0161 sport proj\u00edt posuzov\u00e1n\u00edm rizik naprosto hladce. Jin\u00e1 poji\u0161\u0165ovna v\u00e1m ale kryt\u00ed sportovn\u00edch aktivit m\u016f\u017ee odm\u00edtnout. Ur\u010dit\u00e9 vod\u00edtko v\u00e1m poskytnou pojistn\u00e9 podm\u00ednky vybran\u00e9 poji\u0161\u0165ovny. V nich v\u017edy najdete seznam sport\u016f, kter\u00e9 jsou <strong>kryt\u00e9 v <\/strong><a href=\"http:\/\/rixo.cz\/pojisteni-zivota\" target=\"_blank\" rel=\"noopener\"><strong>\u017eivotn\u00edm a \u00farazov\u00e9m poji\u0161t\u011bn\u00ed<\/strong><\/a><strong> v\u017edy<\/strong>, kter\u00e9 lze <strong>p\u0159ipojistit<\/strong> i jak\u00e9 <strong>nelze pojistit v\u016fbec<\/strong>.&nbsp;<\/p>\n\n\n\n<p>V pojistn\u00fdch podm\u00ednk\u00e1ch se tak\u00e9 dozv\u00edte, zda poji\u0161\u0165ovna kryje i extr\u00e9mn\u00ed a adrenalinov\u00e9 sporty za p\u0159edpokladu, \u017ee je <strong>neprovozujete opakovan\u011b a pravideln\u011b<\/strong>. Pokud si jednou za \u017eivot budete n\u011bjak\u00fd adrenalinov\u00fd sport cht\u00edt vyzkou\u0161et, nic se ned\u011bje. Poji\u0161\u0165ovna v\u00e1m dop\u0159eje pln\u00e9 <strong>kryt\u00ed rizik<\/strong>, ale jen p\u0159i <strong>ojedin\u011bl\u00e9 <\/strong>rizikov\u00e9 aktivit\u011b.&nbsp;<\/p>\n\n\n\n<p>O jak\u00e9 aktivity se jedn\u00e1, kdy\u017e hovo\u0159\u00edme o \u201cnepojistiteln\u00fdch sportech\u201d? Nej\u010dast\u011bji mezi nimi najdete:&nbsp;<\/p>\n\n\n\n<ul>\n<li><strong>Adrenalinov\u00e1 z\u00e1bava: <\/strong>sjezd na kole (downhill), zorbing, canyoning, speleologie, m\u011bstsk\u00fd parkour, slackline ve v\u00fd\u0161ce nad 2 metry, expedice do odlehl\u00fdch m\u00edst nebo neos\u00eddlen\u00fdch oblast\u00ed, p\u0159\u00edpadn\u011b do m\u00edst s extr\u00e9mn\u00edmi klimatick\u00fdmi nebo p\u0159\u00edrodn\u00edmi podm\u00ednkami<\/li>\n\n\n\n<li><strong>Bojov\u00e9 sporty<\/strong>: box, free fighting (MMA, ultimate fighting) kickbox (thajsk\u00fd box, barmsk\u00fd box, savate, K-1), sambo, wrestling, z\u00e1pas (\u0159ecko-\u0159\u00edmsk\u00fd, voln\u00fd styl)<\/li>\n\n\n\n<li><strong>Leteck\u00e9 sporty<\/strong>: leteck\u00e1 akrobacie, l\u00e9t\u00e1n\u00ed ultralehk\u00fdmi letadly, bezmotorov\u00e9 l\u00e9t\u00e1n\u00ed, paragliding, parasailing, seskoky s pad\u00e1kem z letadel a z v\u00fd\u0161in<\/li>\n\n\n\n<li><strong>Lezen\u00ed<\/strong>: lezen\u00ed led\u016f, jak\u00e9koli lezen\u00ed bez ji\u0161t\u011bn\u00ed nebo o samot\u011b, bouldering (bez ji\u0161t\u011bn\u00ed dal\u0161\u00ed osobou), buildering, drytooling, via ferrata \u2013 zaji\u0161t\u011bn\u00e9 cesty vy\u0161\u0161\u00edch \u00farovn\u00ed<\/li>\n\n\n\n<li><strong>Motorsport<\/strong>: demolition derby, dragster z\u00e1vody, formule jak\u00e9koliv \u00farovn\u011b, hill climb&nbsp;<\/li>\n\n\n\n<li><strong>Vodn\u00ed sporty<\/strong>: pot\u00e1p\u011bn\u00ed \u2013 scuba diving nad 40 metr\u016f hloubky, pot\u00e1p\u011bn\u00ed o samot\u011b, jeskynn\u00ed pot\u00e1p\u011bn\u00ed, vrakov\u00e9 pot\u00e1p\u011bn\u00ed, pot\u00e1p\u011bn\u00ed bez doporu\u010den\u00e9 pot\u00e1p\u011b\u010dsk\u00e9 v\u00fdbavy, pot\u00e1p\u011bn\u00ed se sk\u00fatrem, pot\u00e1p\u011bn\u00ed se \u017eraloky, pot\u00e1p\u011bn\u00ed s obohacen\u00fdm vzduchem rafting (stupe\u0148 obt\u00ed\u017enosti WW III nebo vy\u0161\u0161\u00ed), sjezd na divok\u00e9 vod\u011b (stupe\u0148 obt\u00ed\u017enosti WW III nebo vy\u0161\u0161\u00ed)&nbsp;<\/li>\n\n\n\n<li><strong>Vysokohorsk\u00e9 sporty<\/strong>: alpinismus, horolezectv\u00ed a skaln\u00ed lezen\u00ed nej\u010dast\u011bji ve v\u00fd\u0161k\u00e1ch 3-5 000 m n. m.<\/li>\n\n\n\n<li><strong>Zimn\u00ed sporty<\/strong>: ly\u017eov\u00e1n\u00ed a j\u00edzda na snowboardu a skibobech mimo vyzna\u010den\u00e9 trat\u011b, p\u0159\u00edpadn\u011b na vyzna\u010den\u00fdch trat\u00edch mimo ur\u010denou dobu provozu, akrobacie na ly\u017e\u00edch a snowboardech, skoky a lety na ly\u017e\u00edch, heli-skiing (biking), j\u00edzda na z\u00e1vodn\u00edch bobech, z\u00e1vodn\u00edch skibobech a z\u00e1vodn\u00edch san\u00edch, skeleton, snowrafting&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Rizikov\u00e9 sporty p\u0159in\u00e1\u0161\u00ed zdra\u017een\u00ed nebo v\u00fdluku<\/h2>\n\n\n\n<p>Nejsou uveden\u00e9 extr\u00e9mn\u00ed sporty va\u0161\u00edm \u0161\u00e1lkem \u010daje? I m\u00e9n\u011b \u201c\u0161\u00edlen\u00e9\u201d aktivity pova\u017euje poji\u0161\u0165ovna za rizikov\u00e9. M\u016f\u017ee j\u00edt o <strong>vy\u0161\u0161\u00ed \u00farove\u0148 bezpe\u010dn\u00fdch sport\u016f<\/strong>, jako je veslov\u00e1n\u00ed nebo gymnastiky, p\u0159\u00edpadn\u011b o <strong>rekrea\u010dn\u00ed \u00farove\u0148 rizikov\u00fdch sport\u016f<\/strong> &#8211; nap\u0159\u00edklad jezdeck\u00fdch discipl\u00edn nebo karate. Na \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed s pokryt\u00edm v\u0161ech rizik pak dos\u00e1hnete. Ov\u0161em za cenu ur\u010dit\u00fdch \u00fastupk\u016f. Nej\u010dast\u011bji dojde ke zdra\u017een\u00ed nebo zaps\u00e1n\u00ed v\u00fdluky do budouc\u00ed pojistn\u00e9 smlouvy.&nbsp;<\/p>\n\n\n\n<p>Zv\u00fd\u0161en\u00ed pojistn\u00e9ho kv\u016fli <strong>p\u0159ir\u00e1\u017ece za rizikov\u00fd sport<\/strong> (nebo t\u0159eba i rizikov\u00e9 povol\u00e1n\u00ed) m\u016f\u017ee v z\u00e1vislosti na poji\u0161\u0165ovn\u011b postihnout celou smlouvu, nebo jen jednotliv\u00e1 rizika. P\u0159edev\u0161\u00edm se jedn\u00e1 o poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu, poji\u0161t\u011bn\u00ed invalidity, smrti nebo n\u011bkter\u00fdch kr\u00e1tkodob\u00fdch dopad\u016f (nap\u0159\u00edklad denn\u00ed od\u0161kodn\u00e9 za \u00faraz).&nbsp;<\/p>\n\n\n\n<p>Pokud dra\u017e\u0161\u00ed pojistku nechcete, ale p\u0159esto m\u00e1te o sjedn\u00e1n\u00ed \u017eivotn\u00edho nebo \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed z\u00e1jem, je mo\u017enost u n\u011bkter\u00fdch poji\u0161\u0165oven i<strong> sport z kryt\u00ed vylou\u010dit<\/strong>. To znamen\u00e1, \u017ee za p\u0159\u00edpadn\u00e9 nehody, kter\u00e9 se v\u00e1m staly p\u0159i provozov\u00e1n\u00ed vylou\u010den\u00e9ho sportu, nedostanete \u017e\u00e1dn\u00e9 pln\u011bn\u00ed. Nejedn\u00e1 se pak toti\u017e o pojistnou ud\u00e1lost. Pokud se v\u00e1m ale ten sam\u00fd \u00faraz stane p\u0159i rekrea\u010dn\u00edm sportu nebo ka\u017edodenn\u00edch \u010dinnostech, nap\u0159\u00edklad p\u00e1du ze schod\u016f, o sv\u016fj n\u00e1rok na pln\u011bn\u00ed se b\u00e1t nemus\u00edte.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">R\u00e1di sportujete? \u0158ekn\u011bte to poji\u0161\u0165ovn\u011b<\/h2>\n\n\n\n<p>P\u0159i <a href=\"https:\/\/www.rixo.cz\/blog\/jak-nastavit-zivotni-pojisteni\/\">nastavov\u00e1n\u00ed<\/a><strong> <\/strong>a sjedn\u00e1v\u00e1n\u00ed<strong> <\/strong>va\u0161eho \u017eivotn\u00edho a \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed v\u00e1s \u010dek\u00e1 salva ot\u00e1zek, kter\u00e9 mus\u00edte pravdiv\u011b zodpov\u011bd\u011bt. Ot\u00e1zky se t\u00fdkaj\u00ed va\u0161eho aktu\u00e1ln\u00edho zdravotn\u00edho stavu a osobn\u00ed anamn\u00e9zy, va\u0161\u00ed profese i provozovan\u00fdch sport\u016f. Pro poji\u0161\u0165ovnu je d\u016fle\u017eit\u00e9, <strong>jak\u00fd sport a v jak\u00e9 frekvenci<\/strong> provozujete. Za rekrea\u010dn\u00ed sportovn\u00ed aktivitu v\u00e1s n\u011bkter\u00e9 poji\u0161\u0165ovny mohou i odm\u011bnit. Nap\u0159\u00edklad<strong> slevou z m\u011bs\u00ed\u010dn\u00edho pojistn\u00e9ho<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Na svou pojistku myslete i v p\u0159\u00edpad\u011b, \u017ee v\u00e1s v pr\u016fb\u011bhu poji\u0161t\u011bn\u00ed n\u011bjak\u00fd sport nadchl a za\u010dali jste se mu v\u011bnovat pravideln\u011b, nebo v\u00e1s naopak p\u0159estal bavit a u\u017e ho neprovozujete. Tyto <strong>zm\u011bny<\/strong> byste (stejn\u011b jako nap\u0159\u00edklad v\u00fdznamnou zm\u011bnu druhu zam\u011bstn\u00e1n\u00ed) m\u011bli <strong>poji\u0161\u0165ovn\u011b nahl\u00e1sit<\/strong>. V z\u00e1vislosti na t\u011bchto zm\u011bn\u00e1ch v\u00e1m poji\u0161\u0165ovna uprav\u00ed v\u00fd\u0161i pojistn\u00e9ho. D\u0159\u00edve jste nahl\u00e1sili, \u017ee se r\u00e1di v\u011bnujete n\u011bkter\u00e9mu z rizikov\u00fdch sport\u016f, ale nyn\u00ed u\u017e nem\u00e1te \u010das ani na n\u00e1v\u0161t\u011bvu posilovny? M\u016f\u017eete na pojistn\u00e9m <strong>v\u00fdrazn\u011b u\u0161et\u0159it.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Chcete si sjednat \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 bude kr\u00fdt i v\u00e1mi obl\u00edben\u00e9 sportovn\u00ed aktivity? <a href=\"http:\/\/rixo.cz\/pojisteni-zivota\" target=\"_blank\" rel=\"noopener\">Srovnejte si nab\u00eddky<\/a> poji\u0161t\u011bn\u00ed a my v\u00e1m pom\u016f\u017eeme naj\u00edt poji\u0161\u0165ovnu, s n\u00ed\u017e si budete moci u\u017e\u00edvat sv\u00e9 z\u00e1liby naplno.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"http:\/\/rixo.cz\/pojisteni-zivota\" style=\"background-color:#605db5\" target=\"_blank\" rel=\"noopener\">Srovnat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Ve zdrav\u00e9m t\u011ble zdrav\u00fd duch, prav\u00ed Sokolov\u00e9. Sportovn\u00ed aktivity jsou r\u016fznorod\u00e9 a n\u011bkter\u00e9 \u010dinnosti poji\u0161\u0165ovny v\u00edtaj\u00ed, jin\u00e9 ale zase nevid\u00ed r\u00e1dy. Va\u0161e pohybov\u00e9 n\u00e1vyky rozhoduj\u00ed i o tom, jestli si v\u016fbec \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed s kryt\u00edm v\u0161ech va\u0161ich obl\u00edben\u00fdch sport\u016f budete moci sjednat. <\/p>\n","protected":false},"author":11,"featured_media":1703,"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\/1702"}],"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=1702"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1702\/revisions"}],"predecessor-version":[{"id":1712,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1702\/revisions\/1712"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1703"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}