{"id":2211,"date":"2024-04-15T11:26:33","date_gmt":"2024-04-15T09:26:33","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2211"},"modified":"2025-03-07T09:47:25","modified_gmt":"2025-03-07T08:47:25","slug":"proc-jste-nedostali-plneni-z-zivotniho-pojisteni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/proc-jste-nedostali-plneni-z-zivotniho-pojisteni\/","title":{"rendered":"Pro\u010d jste nedostali pln\u011bn\u00ed z \u017eivotn\u00edho poji\u0161t\u011bn\u00ed? \u010ct\u011bte podm\u00ednky"},"content":{"rendered":"\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m m\u016f\u017ee pomoci v cel\u00e9 \u0159ad\u011b nep\u0159\u00edzniv\u00fdch situac\u00ed. Co kdy\u017e ale ve va\u0161em konkr\u00e9tn\u00edm p\u0159\u00edpad\u011b nepomohlo a \u017e\u00e1dn\u00e9 pln\u011bn\u00ed v\u00e1m poji\u0161\u0165ovna nevyplatila? Pran\u00fd\u0159ov\u00e1n\u00ed poji\u0161\u0165oven zpravidla nepom\u00e1h\u00e1 ni\u010demu, rad\u011bji se zamyslete nad t\u00edm, pro\u010d va\u0161i pojistnou ud\u00e1lost poji\u0161\u0165ovna smetla ze stolu.<\/p>\n\n\n\n

Vyplat\u00ed se v\u00e1m sjednat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>, nebo je to jenom zbyte\u010dn\u00fd tah\u00e1k na pen\u00edze? Tahle ot\u00e1zka dok\u00e1\u017ee po\u0159\u00e1dn\u011b rozv\u00ed\u0159it debatu. Odp\u016frci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed se \u010dasto odvol\u00e1vaj\u00ed na jejich osobn\u00ed zku\u0161enost. Argument \u201c\u017eivotn\u00ed poji\u0161t\u011bn\u00ed jsem m\u011bl a po \u00farazu jsem nedostal nic\u201d je u\u017e evergreenem. Ale v\u00edte, pro\u010d v\u00e1m vlastn\u011b poji\u0161\u0165ovna pln\u011bn\u00ed odm\u00edtla vyplatit, i kdy\u017e m\u00e1te sjednan\u00e1 v\u0161echna d\u016fle\u017eit\u00e1 rizika? Nej\u010dast\u011bj\u0161\u00ed d\u016fvody uvedeme v na\u0161em \u010dl\u00e1nku.   <\/p>\n\n\n\n

1. Zapomn\u011bli jste p\u0159i sjedn\u00e1n\u00ed n\u011bco uv\u00e9st<\/h2>\n\n\n\n

Jednoduch\u00e1 chyba p\u0159i vypl\u0148ov\u00e1n\u00ed zdravotn\u00edho dotazn\u00edku<\/strong> v\u00e1s pozd\u011bji m\u016f\u017ee st\u00e1t hodn\u011b pen\u011bz, kter\u00e9 byste jinak od poji\u0161\u0165ovny mohli dostat. St\u00e1t se to m\u016f\u017ee nap\u0159\u00edklad p\u0159i b\u011b\u017en\u00fdch pot\u00ed\u017e\u00edch se z\u00e1dy. U\u017e jste v minulosti<\/strong> nav\u0161t\u00edvili ortopedickou ambulanci a byli jste l\u00e9\u010deni <\/strong>kv\u016fli bolesti p\u00e1te\u0159e? Pokud p\u0159i sjedn\u00e1n\u00ed p\u0159edchoz\u00ed probl\u00e9m neuvedete<\/strong> a po roce budete kv\u016fli z\u00e1d\u016fm v pracovn\u00ed neschopnosti nebo v\u00e1m dokonce bude p\u0159izn\u00e1n n\u011bjak\u00fd ze stup\u0148\u016f invalidity, poji\u0161\u0165ovna v\u00e1m plnit nebude<\/strong>. Vych\u00e1z\u00ed toti\u017e z l\u00e9ka\u0159sk\u00fdch zpr\u00e1v, kde se cel\u00e1 historie pacienta<\/strong> uk\u00e1\u017ee.<\/p>\n\n\n\n

Neznamen\u00e1 to, \u017ee byste si p\u0159ed sjedn\u00e1n\u00edm m\u011bli vytv\u00e1\u0159et seznam v\u0161ech nemoc\u00ed, kter\u00e9 jste v posledn\u00edch n\u011bkolika letech prod\u011blali. B\u011b\u017en\u00e9 sez\u00f3nn\u00ed infekce nebo alergie pro poji\u0161\u0165ovnu v\u00fdznamn\u00e9 nejsou. Jak\u00e9koliv d\u0159\u00edv\u011bj\u0161\u00ed akutn\u00ed \u010di chronick\u00e9 pot\u00ed\u017ee<\/strong>, kter\u00e9 maj\u00ed nebo mohou m\u00edt vliv na v\u00e1\u0161 sou\u010dasn\u00fd i budouc\u00ed zdravotn\u00ed stav<\/strong>, ale rozhodn\u011b neopome\u0148te zm\u00ednit. <\/p>\n\n\n\n

2. Va\u0161e zdravotn\u00ed pot\u00ed\u017ee jsou z poji\u0161t\u011bn\u00ed vylou\u010den\u00e9<\/h2>\n\n\n\n

Stejn\u011b jako ka\u017ed\u00e9 poji\u0161t\u011bn\u00ed, i \u017eivotko m\u00e1 v\u017edy ur\u010dit\u00e9 v\u00fdluky <\/strong>z poji\u0161t\u011bn\u00ed. Jde jednak o v\u00fdluky obecn\u00e9<\/strong>, kter\u00e9 jsou uveden\u00e9 v pojistn\u00fdch podm\u00ednk\u00e1ch, v\u00fdluky speci\u00e1ln\u00ed pro jednotliv\u00e1 rizika,<\/strong> nebo tak\u00e9 individu\u00e1ln\u00ed v\u00fdluky<\/strong>. Ty poji\u0161\u0165ovna stanovuje na z\u00e1klad\u011b hodnocen\u00ed zdravotn\u00edho stavu p\u0159ed sjedn\u00e1n\u00edm poji\u0161t\u011bn\u00ed. Poj\u00ed se v\u017edy s ur\u010ditou diagn\u00f3zou \u010di n\u011bkterou \u010d\u00e1st\u00ed t\u011bla, kter\u00e1 u\u017e je p\u0159i vstupu do poji\u0161t\u011bn\u00ed \u201cprobl\u00e9mov\u00e1\u201d. <\/p>\n\n\n\n

U ka\u017ed\u00e9 poji\u0161\u0165ovny je nastaven\u00ed obecn\u00fdch i individu\u00e1ln\u00edch v\u00fdluk jin\u00e9<\/strong>, v\u011bnujte tedy pozornost sv\u00e9 smlouv\u011b a odpov\u00eddaj\u00edc\u00edm produktov\u00fdm podm\u00ednk\u00e1m. M\u016f\u017eete narazit nap\u0159\u00edklad na vylou\u010den\u00ed pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed invalidity, pokud je jej\u00edm d\u016fvodem du\u0161evn\u00ed choroba \u010di vylou\u010den\u00ed pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed invalidity nebo pracovn\u00ed neschopnosti z d\u016fvodu v\u00fdh\u0159ezu plot\u00e9nky a podobn\u011b. <\/p>\n\n\n\n

Individu\u00e1ln\u00ed v\u00fdluky ale mohou d\u011blat v\u011bt\u0161\u00ed pot\u00ed\u017ee, a to zejm\u00e9na pokud souvis\u00ed s n\u011bjak\u00fdm syst\u00e9mov\u00fdm onemocn\u011bn\u00edm<\/strong> \u010di rizikov\u00fdmi faktory<\/strong>. P\u0159\u00edkladem m\u016f\u017ee b\u00fdt nap\u0159\u00edklad t\u011b\u017ek\u00e1 obezita a vylou\u010den\u00ed ve\u0161ker\u00fdch pot\u00ed\u017e\u00ed, kter\u00e9 s obezitou souvis\u00ed. Neusp\u011bjete tak t\u0159eba s pln\u011bn\u00edm z poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed kv\u016fli diagn\u00f3ze diabetu, kardiovaskul\u00e1rn\u00edch chorob nebo nemoci pohybov\u00e9ho \u00fastroj\u00ed, prok\u00e1z\u00e1n\u00ed souvislosti<\/strong> toti\u017e b\u00fdv\u00e1 jednoduch\u00e9. <\/p>\n\n\n\n

3. Tr\u00e1p\u00ed v\u00e1s \u010dast\u00e9 \u00farazy nebo pracovn\u00ed neschopnosti<\/h2>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed je tu proto, aby v\u00e1s chr\u00e1nilo, kdy\u017e jde do tuh\u00e9ho. Pokud jste si do sv\u00e9ho \u017eivotn\u00edho<\/strong> nebo \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed<\/strong><\/a> <\/strong>za\u0159adili tak\u00e9 poji\u0161t\u011bn\u00ed kr\u00e1tkodob\u00fdch rizik<\/strong>, jako je poji\u0161t\u011bn\u00ed denn\u00edho od\u0161kodn\u00e9ho po dobu l\u00e9\u010den\u00ed \u00farazu nebo poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti, m\u016f\u017eete pojistn\u00e9 ud\u00e1losti <\/strong>v podob\u011b \u00faraz\u016f nebo n\u011bkolikat\u00fddenn\u00edch nemoc\u00ed za\u017e\u00edvat pom\u011brn\u011b \u010dasto<\/strong>. <\/p>\n\n\n\n

Poprv\u00e9 nad va\u0161\u00edm p\u0159\u00edpadem poji\u0161\u0165ovna nemrkne okem a pln\u011bn\u00ed v\u00e1m v drtiv\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f vyplat\u00ed. P\u0159i druh\u00e9, t\u0159et\u00ed nebo \u010dtvrt\u00e9 pojistn\u00e9 ud\u00e1losti <\/strong>v kr\u00e1tk\u00e9m sledu se u\u017e ale poji\u0161\u0165ovna m\u016f\u017ee za\u010d\u00edt \u201ccukat\u201d. Pokud \u010dasto a opakovan\u011b <\/strong>\u017e\u00e1d\u00e1te o pln\u011bn\u00ed (nav\u00edc \u010dasto zanedbateln\u00e9 pro va\u0161i finan\u010dn\u00ed stabilitu), bu\u010f v\u00e1m bude poji\u0161\u0165ovna v\u00fdplatu pln\u011bn\u00ed odm\u00edtat<\/strong>, nebo v\u00e1m rovnou poji\u0161t\u011bn\u00ed konkr\u00e9tn\u00edho rizika vypov\u00ed<\/strong>. Ostatn\u011b v pojistn\u00fdch podm\u00ednk\u00e1ch se tak\u0159ka v\u017edy do\u010dtete, \u017ee si toto pr\u00e1vo vyhrazuje.\u00a0<\/p>\n\n\n\n

Jedin\u00e9, co v\u00e1m poji\u0161\u0165ovna ze z\u00e1kona vypov\u011bd\u011bt nesm\u00ed<\/strong>, je samotn\u00e9 j\u00e1dro \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, tedy zejm\u00e9na poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti<\/strong>, ale m\u016f\u017ee j\u00edt i o poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad invalidity. V sou\u010dasn\u00e9 dob\u011b se poji\u0161\u0165ovny sna\u017e\u00ed j\u00edt nad r\u00e1mec z\u00e1kona a zavazuj\u00ed se k nevypov\u011bditelnosti t\u0159eba tak\u00e9 u poji\u0161t\u011bn\u00ed invalidity nebo z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed. <\/p>\n\n\n\n

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

4. Zranili jste se p\u0159i aktivit\u011b, kterou nem\u00e1te poji\u0161t\u011bnou<\/h2>\n\n\n\n

V \u00farazov\u00e9m poji\u0161t\u011bn\u00ed<\/strong> je \u010dasto p\u0159\u00ed\u010dinou pojistn\u00e9 ud\u00e1losti pohybov\u00e1 aktivita. Poji\u0161t\u011bn\u00ed sport\u016f<\/strong><\/a> <\/strong>m\u00e1 vlastn\u00ed pravidla a p\u0159i sjedn\u00e1n\u00ed smlouvy m\u00e1 informace o v\u00e1mi provozovan\u00fdch sportech d\u016fle\u017eitou roli. Uv\u00e1d\u00ed se nejen druh sportu<\/strong>, ale tak\u00e9 \u00farove\u0148<\/strong>, na kter\u00e9 ho provozujete. Nemus\u00ed j\u00edt zrovna o adrenalinovou z\u00e1bavu, sta\u010d\u00ed, pokud t\u0159eba vstoup\u00edte do organizovan\u00e9 sout\u011b\u017ee motorsportu, do klubu rugby nebo v\u00e1s nadchne zdol\u00e1v\u00e1n\u00ed ferrat a vysokohorsk\u00e1 turistika.<\/p>\n\n\n\n

Poji\u0161\u0165ovny obvykle \u201cjeden z\u00e1\u017eitek za \u017eivot\u201d toleruj\u00ed a pokud se v\u00e1m zrovna n\u011bco stane, pln\u011bn\u00ed m\u016f\u017eete dostat<\/strong>. Rozhodn\u011b ale nebu\u010fte p\u0159ekvapeni, pokud pokou\u0161\u00edte \u0161t\u011bst\u00ed a nepoji\u0161t\u011bn\u00fd sport<\/strong> provozujete ka\u017ed\u00fd v\u00edkend<\/strong>. Pokud s n\u011bjak\u00fdm sportem za\u010d\u00edn\u00e1te, nezapome\u0148te to d\u00e1t v\u011bd\u011bt tak\u00e9 poji\u0161\u0165ovn\u011b<\/strong>. \u0160irokou \u0161k\u00e1lu sport\u016f toti\u017e je mo\u017en\u00e9 pojistit a do smlouvy je p\u0159idat i v pr\u016fb\u011bhu poji\u0161t\u011bn\u00ed. Tedy krom\u011b extr\u00e9mn\u00edch sport\u016f, kde je riziko zran\u011bn\u00ed a\u017e p\u0159\u00edli\u0161 velk\u00e9. <\/p>\n\n\n\n

5. Nevybrali jste si kvalitn\u00ed pojistku<\/h2>\n\n\n\n

Ano, i takov\u00e1 situace m\u016f\u017ee nastat, a to zvl\u00e1\u0161t\u011b v p\u0159\u00edpad\u011b, \u017ee je va\u0161e poji\u0161t\u011bn\u00ed u\u017e takzvan\u011b \u201chistorick\u00e9<\/strong>\u201d, nebo jste si na radu finan\u010dn\u00edho poradce sjednali velmi levn\u00e9 skupinov\u00e9 poji\u0161t\u011bn\u00ed<\/strong>, kter\u00e9 ale v podstat\u011b \u017e\u00e1dn\u00fd u\u017eitek nenese. Na to, \u017ee nejde o dobrou volbu, v\u00e1s upozorn\u00ed kli\u010dky v podm\u00ednk\u00e1ch, nejasn\u00e9 mo\u017enosti zm\u011bny \u010di v\u00fdpov\u011bdi smlouvy a \u010dasto podez\u0159ele n\u00edzk\u00e1 cena. S m\u011bs\u00ed\u010dn\u00ed platbou 100 korun za rizika s pojistn\u00fdmi \u010d\u00e1stkami v \u0159\u00e1du milion\u016f ani nem\u016f\u017eete o\u010dek\u00e1vat, \u017ee v\u00e1s poji\u0161t\u011bn\u00ed adekv\u00e1tn\u011b ochr\u00e1n\u00ed. <\/p>\n\n\n\n

Nev\u00edte, zda je va\u0161e poji\u0161t\u011bn\u00ed dob\u0159e nastaven\u00e9? Nechte si <\/strong>svou smlouvu bezplatn\u011b zkontrolovat<\/strong><\/a> na RIXO.cz. A pokud si chcete za\u0159\u00eddit nov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, na kter\u00e9 se budete moci v\u017edy spolehnout, rovnou si srovnejte nab\u00eddky <\/strong>\u017eivotn\u00edho poji\u0161t\u011bn\u00ed od cel\u00e9 \u0159ady ov\u011b\u0159en\u00fdch poji\u0161\u0165oven. Sta\u010d\u00ed v\u00e1m na to jen dv\u011b minuty!\u00a0<\/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":"

\u017divotn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m m\u016f\u017ee pomoci v cel\u00e9 \u0159ad\u011b nep\u0159\u00edzniv\u00fdch situac\u00ed. Co kdy\u017e ale ve va\u0161em konkr\u00e9tn\u00edm p\u0159\u00edpad\u011b nepomohlo a \u017e\u00e1dn\u00e9 pln\u011bn\u00ed v\u00e1m poji\u0161\u0165ovna nevyplatila? Zamyslete nad t\u00edm, pro\u010d va\u0161i pojistnou ud\u00e1lost poji\u0161\u0165ovna smetla ze stolu.<\/p>\n","protected":false},"author":11,"featured_media":2214,"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\/2211"}],"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=2211"}],"version-history":[{"count":10,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2211\/revisions"}],"predecessor-version":[{"id":3131,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2211\/revisions\/3131"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2214"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}