{"id":2191,"date":"2024-03-21T12:52:24","date_gmt":"2024-03-21T11:52:24","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2191"},"modified":"2024-03-21T12:53:43","modified_gmt":"2024-03-21T11:53:43","slug":"mate-rizikove-povolani-chrante-se-zivotnim-pojistenim","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/mate-rizikove-povolani-chrante-se-zivotnim-pojistenim\/","title":{"rendered":"M\u00e1te rizikov\u00e9 povol\u00e1n\u00ed? P\u0159ed \u00farazem nebo nemoc\u00ed se chra\u0148te \u017eivotn\u00edm poji\u0161t\u011bn\u00edm"},"content":{"rendered":"\n

Chemik, je\u0159\u00e1bn\u00edk, hasi\u010d nebo pokr\u00fdva\u010d spolu maj\u00ed m\u00e1lo co spole\u010dn\u00e9ho. N\u011bco se ale p\u0159ece jen najde. V\u0161echno to jsou povol\u00e1n\u00ed se zv\u00fd\u0161enou m\u00edrou rizika pracovn\u00edho \u00farazu nebo nemoci z povol\u00e1n\u00ed. Jak nastavit \u017eivotko, kdy\u017e m\u00e1te rizikov\u00e9 povol\u00e1n\u00ed? Porad\u00edme!<\/p>\n\n\n\n

Nepracujete za po\u010d\u00edta\u010dem, ale u v\u00fdrobn\u00ed linky, na st\u0159ech\u00e1ch, na stavb\u011b, nebo dokonce vb\u00edh\u00e1te do plamen\u016f, kdy\u017e od nich ostatn\u00ed ut\u00edkaj\u00ed? Nebezpe\u010d\u00ed jste si ur\u010dit\u011b v\u011bdomi, ale rozhodn\u011b byste nad n\u00edm nem\u011bli jen tak m\u00e1vnout rukou. Nenech\u00e1vejte nic n\u00e1hod\u011b, kdy\u017e u\u017e v\u00e1s n\u011bjak\u00e1 ne\u0161\u0165astn\u00e1 ud\u00e1lost potk\u00e1, sv\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> ocen\u00edte.\u00a0<\/p>\n\n\n\n

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Srovnat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n

Bude se v\u00e1m hodit \u017eivotko, kdy\u017e m\u00e1te rizikov\u00e9 povol\u00e1n\u00ed?  <\/h2>\n\n\n\n

Ur\u010dit\u011b u\u017e v\u00edte, \u017ee pokud v\u00e1s stihnou zdravotn\u00ed pot\u00ed\u017ee kv\u016fli povaze va\u0161eho zam\u011bstn\u00e1n\u00ed, m\u00e1te n\u00e1rok na kompenzaci od zam\u011bstnavatele<\/strong>, a to nez\u00e1visle na tom, zda u v\u00e1s do\u0161lo k pracovn\u00edmu \u00farazu<\/strong><\/a>, nebo u v\u00e1s vypukla \u201cnemoc z povol\u00e1n\u00ed<\/strong>\u201d. Pro takov\u00e9 p\u0159\u00edpady m\u00e1 va\u0161e firma sjednan\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnavatele za \u0161kodu zp\u016fsobenou zam\u011bstnanc\u016fm. Mo\u017en\u00e1 si tak \u0159eknete, \u017ee m\u00edt druh\u00e9 poji\u0161t\u011bn\u00ed je pak zbyte\u010dn\u00e9. <\/p>\n\n\n\n

Vlastn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m ale m\u016f\u017ee pomoci, pokud se v\u00e1m n\u011bco stane nejen mimo pr\u00e1ci<\/strong>, ale i v n\u00ed<\/strong>. Na pln\u011bn\u00ed z \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong> m\u00e1te n\u00e1rok nez\u00e1visle na v\u00fdplat\u011b od\u0161kodn\u011bn\u00ed <\/strong>zam\u011bstnavatelem, nav\u00edc se m\u016f\u017eete setkat s t\u00edm, \u017ee v\u00e1\u0161 n\u00e1rok na od\u0161kodn\u011bn\u00ed bude u zam\u011bstnavatele \u010di jeho poji\u0161\u0165ovny zam\u00edtnut, proto\u017ee p\u0159\u00ed\u010dina va\u0161eho \u00farazu \u010di nemoci<\/strong> nespo\u010d\u00edv\u00e1 pouze ve vykon\u00e1van\u00e9m povol\u00e1n\u00ed<\/strong>. A v takov\u00e9m p\u0159\u00edpad\u011b pr\u00e1v\u011b va\u0161e osobn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017ee b\u00fdt krom\u011b soci\u00e1ln\u00edho syst\u00e9mu jedin\u00fdm prost\u0159edkem, kter\u00fd v\u00e1m pom\u016f\u017ee se s nastalou situac\u00ed finan\u010dn\u011b vyrovnat. To samoz\u0159ejm\u011b plat\u00ed i v p\u0159\u00edpad\u011b, \u017ee rizikovou profesi vykon\u00e1v\u00e1te \u201cna sebe\u201d a nach\u00e1z\u00edte se tedy v pozici podnikatele. <\/p>\n\n\n\n

Co je rizikov\u00e9 povol\u00e1n\u00ed v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n

Z pohledu poji\u0161\u0165oven jsou v ur\u010dit\u00e9 m\u00ed\u0159e rizikov\u00ed tak\u0159ka v\u0161ichni<\/strong> lid\u00e9, kte\u0159\u00ed nepracuj\u00ed na administrativn\u00edch<\/strong> pozic\u00edch, kde z podstaty v\u011bci p\u0159eva\u017euje du\u0161evn\u00ed \u010dinnost a pravd\u011bpodobnost \u00farazu \u010di nemoci v r\u00e1mci zam\u011bstn\u00e1n\u00ed je naprosto minim\u00e1ln\u00ed. Tedy alespo\u0148 krom\u011b syndromu karp\u00e1ln\u00edho tunelu neboli takzvan\u00e9 \u201cmy\u0161itidy\u201d. Pokud ale pracujete by\u0165 jen z\u010d\u00e1sti \u201crukama\u201d, m\u016f\u017ee v\u00e1m poji\u0161\u0165ovna d\u00e1t n\u00e1lepku rizikov\u011bj\u0161\u00edho klienta. Nen\u00ed ale riziko jako riziko, a proto se rizikov\u00e1 povol\u00e1n\u00ed<\/strong> v poji\u0161\u0165ovn\u00e1ch d\u011bl\u00ed do n\u011bkolika skupin<\/strong>, zpravidla t\u0159\u00ed a\u017e p\u011bti. <\/p>\n\n\n\n

\u010c\u00edm rizikov\u011bj\u0161\u00ed skupina<\/strong>, t\u00edm vy\u0161\u0161\u00ed<\/strong> o\u010dek\u00e1vejte cenu poji\u0161t\u011bn\u00ed<\/strong>. Nejrizikov\u011bj\u0161\u00ed profese, jako ji\u017e zm\u00edn\u011bn\u00ed hasi\u010di, piloti, horn\u00edci nebo voj\u00e1ci z povol\u00e1n\u00ed mohou u n\u011bkter\u00fdch poji\u0161\u0165oven poho\u0159et \u00fapln\u011b. Podle hodnocen\u00ed konkr\u00e9tn\u00ed poji\u0161\u0165ovny toti\u017e budou pova\u017eov\u00e1ni za nepojistiteln\u00e9<\/strong>. Nenechte se ale odradit od \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, pokud u prvn\u00ed poji\u0161\u0165ovny neusp\u011bjete, proto\u017ee jin\u00e1<\/strong> v\u00e1s m\u016f\u017ee bez probl\u00e9mu pojistit<\/strong>. Ka\u017ed\u00e1 poji\u0161\u0165ovna toti\u017e posuzuje rizikovost povol\u00e1n\u00ed jinak. <\/p>\n\n\n\n

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Jak naj\u00edt poji\u0161\u0165ovnu, na kterou se budete moci kdykoliv spolehnout? Srovnejte si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed na RIXO.cz a nechte to na n\u00e1s. <\/p>\n<\/div>\n\n\n\n

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Srovnat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n
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Na co se pojistit, kdy\u017e vykon\u00e1v\u00e1te rizikov\u00e9 povol\u00e1n\u00ed? <\/h2>\n\n\n\n

Z\u00e1kladem ka\u017ed\u00e9ho spr\u00e1vn\u011b nastaven\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti, invalidity, trval\u00fdch n\u00e1sledk\u016f \u00farazu a z\u00e1va\u017en\u00e9ho onemocn\u011bn\u00ed<\/strong>, a to bez ohledu na to, jakou pr\u00e1ci vykon\u00e1v\u00e1te. Pokud ale pracujete manu\u00e1ln\u011b<\/strong> nebo se v r\u00e1mci zam\u011bstn\u00e1n\u00ed pot\u00fdk\u00e1te se zv\u00fd\u0161en\u00fdm nebezpe\u010d\u00edm<\/strong>, m\u011bli byste v nastaven\u00ed poji\u0161t\u011bn\u00ed v\u011bnovat pozornost r\u016fzn\u00fdm variant\u00e1m v\u00fd\u0161e zm\u00edn\u011bn\u00fdch poji\u0161t\u011bn\u00ed dlouhodob\u00fdch dopad\u016f nemoci \u010di \u00farazu. A to p\u0159edev\u0161\u00edm u trval\u00fdch n\u00e1sledk\u016f \u00farazu, invalidity nebo v\u00e1\u017en\u00fdch nemoc\u00ed. <\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed invalidity<\/h3>\n\n\n\n

Poji\u0161t\u011bn\u00ed invalidity<\/strong> ze v\u0161ech p\u0159\u00ed\u010din se obecn\u011b sjedn\u00e1v\u00e1 p\u0159edev\u0161\u00edm pro II. a III. stupe\u0148<\/strong> invalidity, tedy pokles pracovn\u00ed schopnosti o v\u00edce ne\u017e 50 %. P\u0159edpokladem pro takov\u00e9 nastaven\u00ed je jen m\u00edrn\u00e9 <\/strong>a\u017e \u017e\u00e1dn\u00e9 omezen\u00ed pr\u00e1ceschopnosti <\/strong>pro administrativn\u00ed pracovn\u00edky<\/strong>, pokud budou m\u00edt p\u0159iznanou invaliditu I. stupn\u011b. Lid\u00e9 pracuj\u00edc\u00ed na pozic\u00edch, kter\u00e9 vy\u017eaduj\u00ed perfektn\u00ed fyzick\u00fd stav, zdatnost <\/strong>nebo manu\u00e1ln\u00ed zru\u010dnost<\/strong>, by ov\u0161em mohli i p\u0159i nejni\u017e\u0161\u00edm stupni invalidity o svou kari\u00e9ru p\u0159ij\u00edt. Pr\u00e1v\u011b proto byste kv\u016fli sv\u00e9mu rizikov\u00e9mu povol\u00e1n\u00ed m\u011bli zv\u00e1\u017eit i poji\u0161t\u011bn\u00ed invalidity v I. stupni ze v\u0161ech p\u0159\u00ed\u010din<\/strong>, tedy \u00farazu i nemoci. <\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu <\/h3>\n\n\n\n

V r\u00e1mci poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/strong> naraz\u00edte na dv\u011b varianty kryt\u00ed. Poji\u0161t\u011bn\u00ed m\u016f\u017eete sjednat s v\u00fdplatou pojistn\u00e9ho pln\u011bn\u00ed od 10 % t\u011blesn\u00e9ho po\u0161kozen\u00ed<\/strong> a tak\u00e9 u\u017e od 0,001 % t\u011blesn\u00e9ho po\u0161kozen\u00ed<\/strong>. P\u0159ipad\u00e1 v\u00e1m tis\u00edcina va\u0161eho t\u011bla zanedbateln\u00e1? V\u00fdrazn\u011b v\u00e1s m\u016f\u017ee p\u0159i pr\u00e1ci limitovat t\u0159eba omezen\u00ed<\/strong> hybnosti palce, ramene, ztr\u00e1ta <\/strong>\u010dl\u00e1nku prstu nebo t\u0159eba z\u00fa\u017een\u00ed zorn\u00e9ho pole \u010di nedosl\u00fdchavost. Tyto nep\u0159\u00edjemnosti v\u00e1s o pr\u00e1ci za po\u010d\u00edta\u010dem nep\u0159iprav\u00ed, v cel\u00e9 \u0159ad\u011b zam\u011bstn\u00e1n\u00ed ale kv\u016fli podobn\u00fdm n\u00e1sledk\u016fm \u00farazu m\u016f\u017eete dostat stopku<\/strong>. A to nemus\u00edte b\u00fdt rovnou hasi\u010d nebo um\u011bleck\u00fd \u0159ezb\u00e1\u0159, ale t\u0159eba pr\u016fvod\u010d\u00ed, sv\u00e1\u0159e\u010d \u010di um\u00fdva\u010d oken v\u00fd\u0161kov\u00fdch budov.  <\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch nemoc\u00ed<\/h3>\n\n\n\n

Nezapome\u0148te ani na poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch nemoc\u00ed<\/strong> s d\u016frazem na diagn\u00f3zy, kter\u00e9 mohou b\u00fdt ve va\u0161em oboru \u010dast\u011bj\u0161\u00ed. Vystaven\u00ed nebezpe\u010dn\u00fdm chemik\u00e1li\u00edm, fyzik\u00e1ln\u00edm nebo biologick\u00fdm <\/strong>vliv\u016fm s sebou m\u016f\u017ee n\u00e9st riziko n\u00e1dorov\u00e9ho bujen\u00ed, chronick\u00fdch plicn\u00edch onemocn\u011bn\u00ed \u010di ko\u017en\u00edch chorob, a\u010dkoliv sv\u011bdomit\u011b dodr\u017eujete ve\u0161ker\u00e9 bezpe\u010dnostn\u00ed standardy. Chemici, laboranti a d\u011bln\u00edci ve zpracovatelsk\u00e9m pr\u016fmyslu by rozhodn\u011b m\u011bli u tohoto poji\u0161t\u011bn\u00ed zbyst\u0159it. <\/p>\n\n\n\n

\"Rizikov\u00e9<\/figure>\n\n\n\n

Vyplat\u00ed se v\u00e1m i dopl\u0148kov\u00e1 poji\u0161t\u011bn\u00ed kr\u00e1tkodob\u00fdch dopad\u016f?<\/h2>\n\n\n\n

Chcete se chr\u00e1nit \u017eivotn\u00edm poji\u0161t\u011bn\u00edm i pro p\u0159\u00edpad, \u017ee v\u00e1s nemoc nebo \u00faraz vy\u0159ad\u00ed z pr\u00e1ce jen na n\u011bkolik t\u00fddn\u016f? I tady v\u00e1m \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017ee pomoci, pokud by pro v\u00e1s i krat\u0161\u00ed v\u00fdpadek p\u0159\u00edjmu b\u011bhem l\u00e9\u010den\u00ed znamenal finan\u010dn\u00ed pot\u00ed\u017ee. Popt\u00e1van\u00e9 je p\u0159edev\u0161\u00edm poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/strong>, v nab\u00eddce poji\u0161\u0165oven ale najdete tak\u00e9 poji\u0161t\u011bn\u00ed hospitalizace<\/strong> nebo poji\u0161t\u011bn\u00ed denn\u00edho od\u0161kodn\u00e9ho za dobu l\u00e9\u010den\u00ed \u00farazu<\/strong>. <\/p>\n\n\n\n

Pln\u011bn\u00ed z t\u011bchto poji\u0161t\u011bn\u00ed je vypl\u00e1cen\u00e9 formou denn\u00edch d\u00e1vek<\/a><\/strong> vypo\u010d\u00edtan\u00fdch na z\u00e1klad\u011b va\u0161ich pr\u016fm\u011brn\u00fdch v\u00fddaj\u016f<\/strong>, abyste sv\u00e9 rodinn\u00e9 finance dok\u00e1zali udr\u017eet nad hladinou i v nep\u0159\u00edzniv\u00e9 situaci. M\u011bjte ale na pam\u011bti, \u017ee jde v porovn\u00e1n\u00ed s poji\u0161t\u011bn\u00edmi dlouhodob\u00fdch dopad\u016f o pom\u011brn\u011b drah\u00e1 poji\u0161t\u011bn\u00ed<\/strong>, dob\u0159e tedy promyslete, zda je pot\u0159ebujete<\/strong>. Mo\u017en\u00e1 p\u0159ijdete na to, \u017ee se v\u00e1m vyplat\u00ed si rad\u011bji pojistn\u00e9 za tato kr\u00e1tkodob\u00e1 poji\u0161t\u011bn\u00ed d\u00e1t rad\u011bji do kasi\u010dky<\/strong>. <\/p>\n\n\n\n

Na co nezapomenout, kdy\u017e sjedn\u00e1v\u00e1te \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? <\/h2>\n\n\n\n

U\u017e te\u010f v\u00edte, \u017ee budete v budoucnu m\u011bnit sv\u00e9 profesn\u00ed zam\u011b\u0159en\u00ed? Pamatujte na to, \u017ee ka\u017ed\u00e9 povol\u00e1n\u00ed s sebou nese jin\u00e1 rizika<\/strong>. Pokud se od v\u00fdrobn\u00ed linky p\u0159esouv\u00e1te do kancel\u00e1\u0159e, nezapome\u0148te to ozn\u00e1mit poji\u0161\u0165ovn\u011b<\/strong>. Ta v\u00e1m d\u00edky n\u00e1stupu do zam\u011bstn\u00e1n\u00ed s men\u0161\u00edm rizikem sn\u00ed\u017e\u00ed pojistn\u00e9<\/strong> alespo\u0148 o p\u00e1r stovek. Co kdy\u017e je to naopak a pl\u00e1nujete si vy\u010distit hlavu u fyzicky nam\u00e1hav\u011bj\u0161\u00ed pr\u00e1ce<\/strong>, ne\u017e jste vykon\u00e1vali doposud? Ani to byste poji\u0161\u0165ovn\u011b nem\u011bli tajit, aby v\u00e1m mohla upravit nastaven\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1s bude dob\u0159e chr\u00e1nit v jak\u00e9koliv situaci<\/strong>. <\/p>\n\n\n\n

Ne\u017e si sv\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed sjedn\u00e1te, v\u011bnujte dv\u011b minutky<\/strong> porovn\u00e1n\u00ed nab\u00eddek od r\u016fzn\u00fdch poji\u0161\u0165oven. \u017de se v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed nevyzn\u00e1te? Spr\u00e1vn\u00fdm nastaven\u00edm a cel\u00fdm sjedn\u00e1n\u00edm poji\u0161t\u011bn\u00ed v\u00e1s provedou na\u0161i specialist\u00e9. Tak jdeme na to! <\/p>\n\n\n\n

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Srovnat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Chemik, je\u0159\u00e1bn\u00edk, hasi\u010d nebo pokr\u00fdva\u010d spolu maj\u00ed m\u00e1lo co spole\u010dn\u00e9ho. N\u011bco se ale p\u0159ece jen najde. V\u0161echno to jsou povol\u00e1n\u00ed se zv\u00fd\u0161enou m\u00edrou rizika pracovn\u00edho \u00farazu nebo nemoci z povol\u00e1n\u00ed. Jak nastavit \u017eivotko, kdy\u017e m\u00e1te rizikov\u00e9 povol\u00e1n\u00ed? Porad\u00edme!<\/p>\n","protected":false},"author":11,"featured_media":2196,"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\/2191"}],"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=2191"}],"version-history":[{"count":6,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2191\/revisions"}],"predecessor-version":[{"id":2208,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2191\/revisions\/2208"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2196"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2191"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2191"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}