{"id":2270,"date":"2024-04-22T09:24:21","date_gmt":"2024-04-22T07:24:21","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2270"},"modified":"2024-04-22T09:24:22","modified_gmt":"2024-04-22T07:24:22","slug":"nemocenske-pojisteni-a-pracovni-neschopnost-v-zivotku","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/nemocenske-pojisteni-a-pracovni-neschopnost-v-zivotku\/","title":{"rendered":"Nemocensk\u00e9 poji\u0161t\u011bn\u00ed a pracovn\u00ed neschopnost v \u017eivotku: Jak a kdy pom\u016f\u017ee?"},"content":{"rendered":"\n

Nemocensk\u00e9 poji\u0161t\u011bn\u00ed je jedn\u00edm z ve\u0159ejn\u00fdch poji\u0161t\u011bn\u00ed, kter\u00e9 m\u00e1 ka\u017ed\u00fd zam\u011bstnanec i n\u011bkte\u0159\u00ed \u017eivnostn\u00edci. Kdy se na n\u011bj m\u016f\u017eete spolehnout a kdy v\u00e1m d\u00e1vky nemocensk\u00e9ho nepomohou? V situac\u00edch, na kter\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed nemysl\u00ed, v\u00e1s podr\u017e\u00ed poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti ve va\u0161em \u017eivotku. <\/p>\n\n\n\n

Neschopenku na t\u00fdden nebo dva u\u017e m\u011bl v \u017eivot\u011b alespo\u0148 jednou tak\u0159ka ka\u017ed\u00fd. Pokud jste ale v pracovn\u00ed neschopnosti str\u00e1vili m\u011bs\u00edc nebo d\u00e9le, dob\u0159e v\u00edte, \u017ee nemocensk\u00e9 poji\u0161t\u011bn\u00ed nepo\u010d\u00edt\u00e1 s ka\u017edou situac\u00ed, kter\u00e1 m\u016f\u017ee nastat. Vyplat\u00ed se spol\u00e9hat rad\u011bji na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>? Poj\u010fme se pod\u00edvat, kdy v\u00e1m kter\u00e9 z nich pom\u016f\u017ee. <\/p>\n\n\n\n

Co je nemocensk\u00e9 poji\u0161t\u011bn\u00ed a jak funguje? <\/h2>\n\n\n\n

Nemocensk\u00e9 poji\u0161t\u011bn\u00ed je podobn\u011b jako d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed ve\u0159ejn\u00fdm poji\u0161t\u011bn\u00edm<\/strong>, ke kter\u00e9mu jsou povinn\u011b p\u0159ihl\u00e1\u0161eni zam\u011bstnanci <\/strong>(s pracovn\u00ed smlovou a p\u0159i spln\u011bn\u00ed ur\u010dit\u00fdch podm\u00ednek i DP\u010c a DPP), za kter\u00e9 platby pojistn\u00e9ho plat\u00ed v\u017edy zam\u011bstnavatel. <\/p>\n\n\n\n

K nemocensk\u00e9mu poji\u0161t\u011bn\u00ed se ale mohou p\u0159ihl\u00e1sit i OSV\u010c<\/strong>, pro \u017eivnostn\u00edky v\u0161ak \u00fa\u010dast na tomto poji\u0161t\u011bn\u00ed nen\u00ed povinn\u00e1<\/strong> jako u zam\u011bstnanc\u016f. Poji\u0161t\u011bn\u00ed slou\u017e\u00ed k v\u00fdplat\u011b d\u00e1vek v p\u0159\u00edpad\u011b pracovn\u00ed neschopnosti, a to a\u0165 u\u017e z d\u016fvodu nemoci nebo \u00farazu. A a\u010dkoliv t\u011bhotenstv\u00ed<\/a> ani mate\u0159stv\u00ed nen\u00ed nemoc, i pen\u011b\u017eit\u00e1 pomoc v mate\u0159stv\u00ed je vypl\u00e1cena na z\u00e1klad\u011b \u00fa\u010dasti na nemocensk\u00e9m poji\u0161t\u011bn\u00ed. <\/p>\n\n\n\n

D\u00e1vky, jejich\u017e v\u00fd\u0161e se \u0159\u00edd\u00ed platbami pojistn\u00e9ho na z\u00e1klad\u011b hrub\u00e9ho v\u00fdd\u011blku, se vypl\u00e1c\u00ed od 15. dne pracovn\u00ed neschopnosti<\/strong>. Do t\u00e9 doby \u010d\u00e1ste\u010dnou n\u00e1hradu mzdy vypl\u00e1c\u00ed v\u00e1\u0161 zam\u011bstnavatel<\/strong>. Myslete ov\u0161em na to, \u017ee d\u00e1vky se vypl\u00e1c\u00ed do jednoho m\u011bs\u00edce po zasl\u00e1n\u00ed v\u0161ech podklad\u016f \u010cSSZ. Ihned v 15. den tedy od \u00fa\u0159ad\u016f nedostanete nic.<\/p>\n\n\n\n

Vzhledem k tomu, \u017ee od zam\u011bstnavatele a n\u00e1sledn\u011b od st\u00e1tu dostanete jen 60 % va\u0161eho <\/strong>denn\u00edho v\u00fdd\u011blku<\/strong> (p\u0159i del\u0161\u00ed neschopnosti ne\u017e 30 dn\u016f 66 % a od 61. dne PN 72 %), nemus\u00ed v\u00e1m tyto d\u00e1vky sta\u010dit na \u00fahradu v\u0161ech rodinn\u00fdch v\u00fddaj\u016f. To m\u016f\u017ee \u010dinit pot\u00ed\u017ee p\u0159edev\u0161\u00edm ve chv\u00edli, kdy netrp\u00edte jen oby\u010dejnou vir\u00f3zou a va\u0161e neschopenka se prot\u00e1hne na t\u00fddny a\u017e m\u011bs\u00edce<\/strong>. <\/p>\n\n\n\n

Co je poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed a jak funguje?<\/h2>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/a> se skl\u00e1d\u00e1 z n\u011bkolika d\u00edl\u010d\u00edch poji\u0161t\u011bn\u00ed, kter\u00e1 pokr\u00fdvaj\u00ed rizika \u00famrt\u00ed, invalidity, z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed, trval\u00fdch n\u00e1sledk\u016f \u00farazu i kr\u00e1tkodob\u00fdch zdravotn\u00edch pot\u00ed\u017e\u00ed, mezi kter\u00e9 pat\u0159\u00ed pr\u00e1v\u011b pracovn\u00ed neschopnost. Pom\u016f\u017ee v\u00e1m stejn\u011b jako nemocensk\u00e9 poji\u0161t\u011bn\u00ed v p\u0159\u00edpad\u011b nemoci nebo \u00farazu<\/strong>. Sjednat si ho m\u016f\u017ee jak zam\u011bstnanec, tak i <\/strong>OSV\u010c<\/strong><\/a>. Zpravidla se sjedn\u00e1v\u00e1 u osob, kter\u00e9 by p\u0159i kr\u00e1tkodob\u00e9m v\u00fdpadku p\u0159\u00edjmu nedok\u00e1zaly pokr\u00fdt sv\u00e9 b\u011b\u017en\u00e9 v\u00fddaje z vlastn\u00ed finan\u010dn\u00ed rezervy<\/strong>. Kvalitn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se v\u00e1m ale rozhodn\u011b neztrat\u00ed v jak\u00e9koliv situaci.<\/p>\n\n\n\n

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

Pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti se vypl\u00e1c\u00ed formou denn\u00edch d\u00e1vek, je ov\u0161em na v\u00e1s, jakou v\u00fd\u0161i denn\u00edch d\u00e1vek<\/strong> si nastav\u00edte. Do v\u00fd\u0161e d\u00e1vky 500 K\u010d denn\u011b <\/strong>ani zpravidla u poji\u0161\u0165oven nebudete muset dokl\u00e1dat p\u0159\u00edjem<\/strong>, co\u017e je vhodn\u00e9 \u0159e\u0161en\u00ed nap\u0159\u00edklad pro OSV\u010c vyu\u017e\u00edvaj\u00edc\u00ed pau\u0161\u00e1ln\u00ed da\u0148. D\u00e1le si m\u016f\u017eete vybrat, od jak\u00e9ho dne pracovn\u00ed neschopnosti <\/strong>chcete d\u00e1vky vypl\u00e1cet. Nej\u010dast\u011bji jde o 15. nebo 29. den <\/strong>pracovn\u00ed neschopnosti, poji\u0161\u0165ovny ale nab\u00edz\u00ed i variantu vypl\u00e1cen\u00ed d\u00e1vek zp\u011btn\u011b od 1. dne<\/strong>. To znamen\u00e1, \u017ee pokud va\u0161e pracovn\u00ed neschopnost p\u0159es\u00e1hne 15 \u010di 29 dn\u00ed, poji\u0161\u0165ovna v\u00e1m vyplat\u00ed i d\u00e1vky za p\u0159edchoz\u00ed dny str\u00e1ven\u00e9 l\u00e9\u010den\u00edm. <\/p>\n\n\n\n

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

Co mus\u00edte v\u011bd\u011bt o poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/h2>\n\n\n\n

Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti m\u00e1 \u0159adu v\u00fdhod, ale samoz\u0159ejm\u011b i nev\u00fdhody. Pojistn\u00e9 u tohoto rizika se toti\u017e m\u016f\u017ee pohybovat v \u0159\u00e1du ni\u017e\u0161\u00edch stovek m\u011bs\u00ed\u010dn\u011b<\/strong> a dok\u00e1\u017ee tak \u017eivotko p\u011bkn\u011b prodra\u017eit. Pokud ale v\u00edte, \u017ee nemocensk\u00e9 v\u00e1m rodinn\u00e9 finance nezachr\u00e1n\u00ed, nebo jako OSV\u010c dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed nem\u00e1te, poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti m\u016f\u017ee slou\u017eit jako va\u0161e z\u00e1chrann\u00e1 s\u00ed\u0165. <\/p>\n\n\n\n

P\u0159i \u017e\u00e1dosti o pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti v\u00e1s tak\u00e9 mohou \u201cdohnat\u201d v\u00fdluky<\/strong> v pojistn\u00fdch podm\u00ednk\u00e1ch. Na pro\u010dten\u00ed v\u00fdluk p\u0159ed sjedn\u00e1n\u00edm \u017eivotn\u00edho poji\u0161t\u011bn\u00ed rozhodn\u011b nezapome\u0148te. Mohlo by v\u00e1s toti\u017e p\u0159ekvapit, \u017ee nap\u0159\u00edklad pracovn\u00ed neschopnost z d\u016fvodu du\u0161evn\u00ed nemoci a psychick\u00fdch obt\u00ed\u017e\u00ed<\/strong> nebo v\u00fdh\u0159ezu meziobratlov\u00e9 plot\u00e9nky<\/strong> \u010di jin\u00e9 dorzopatie, tedy laicky \u0159e\u010deno probl\u00e9m\u016f se z\u00e1dy je v pojistn\u00fdch podm\u00ednk\u00e1ch vylou\u010den\u00e1 z n\u00e1rok\u016f na pln\u011bn\u00ed. U n\u011bkter\u00fdch poji\u0161\u0165oven mohou b\u00fdt vylou\u010den\u00e9 i zdravotn\u00ed probl\u00e9my souvisej\u00edc\u00ed s t\u011bhotenstv\u00edm<\/strong>. Zejm\u00e9na pak v p\u0159\u00edpad\u011b, \u017ee se jedn\u00e1 o pracovn\u00ed neschopnost kv\u016fli rizikov\u00e9mu t\u011bhotenstv\u00ed.<\/p>\n\n\n\n

Jak se li\u0161\u00ed nemocensk\u00e9 poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti? <\/h2>\n\n\n\n

Nemocensk\u00e9 poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti m\u00e1 spole\u010dn\u00fd \u00fa\u010del a podobn\u00fd mechanismus v\u00fdplaty d\u00e1vek, ale tady podobnosti kon\u010d\u00ed. \u010c\u00edm jsou tyto poji\u0161t\u011bn\u00ed odli\u0161n\u00e1? Uk\u00e1\u017eeme si to hezky p\u0159ehledn\u011b v tabulce. <\/p>\n\n\n\n

<\/td>Nemocensk\u00e9 poji\u0161t\u011bn\u00ed<\/strong><\/td>Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/strong><\/td><\/tr>
K\u00fdm je poskytov\u00e1no poji\u0161t\u011bn\u00ed?<\/td>St\u00e1t (ve\u0159ejn\u00e9 poji\u0161t\u011bn\u00ed)<\/td>Soukrom\u00e1 poji\u0161\u0165ovna <\/td><\/tr>
Kdo je poji\u0161t\u011bn\u00fd?<\/td>Ka\u017ed\u00fd zam\u011bstnanec, p\u0159\u00edpadn\u011b dobrovoln\u011b OSV\u010c<\/td>Pouze dobrovoln\u011b poji\u0161t\u011bn\u00e1 osoba v r\u00e1mci \u017dP nebo poji\u0161t\u011bn\u00ed osob<\/td><\/tr>
Kdo plat\u00ed pojistn\u00e9?<\/td>Zam\u011bstnavatel nebo dobrovoln\u011b s\u00e1m OSV\u010c<\/td>Osoba, kter\u00e1 poji\u0161t\u011bn\u00ed sjednala<\/td><\/tr>
Kdy vznik\u00e1 n\u00e1rok na \u010derp\u00e1n\u00ed d\u00e1vky?<\/td>Kdykoliv po vstupu do nemocensk\u00e9ho poji\u0161t\u011bn\u00ed krom\u011b OSV\u010c (alespo\u0148 3 m\u011bs\u00edce \u00fa\u010dasti)<\/td>Po \u010dekac\u00ed dob\u011b (zpravidla 3 m\u011bs\u00edce od po\u010d\u00e1tku poji\u0161t\u011bn\u00ed)  <\/td><\/tr>
Kdy se v p\u0159\u00edpad\u011b konkr\u00e9tn\u00ed pracovn\u00ed neschopnosti vypl\u00e1c\u00ed d\u00e1vky?<\/td>Od 15. dne do skon\u010den\u00ed pracovn\u00ed neschopnosti<\/td>Podle sjednan\u00e9ho nastaven\u00ed od 15. dne, 29. dne nebo 60. dne (mo\u017en\u00e9 i zp\u011btn\u011b)<\/td><\/tr>
Jak\u00e1 je v\u00fd\u0161e d\u00e1vek?<\/td>Individu\u00e1ln\u00ed na z\u00e1klad\u011b plateb nemocensk\u00e9ho poji\u0161t\u011bn\u00ed, s del\u0161\u00ed pracovn\u00ed neschopnost\u00ed se d\u00e1vka zvy\u0161uje<\/td>Individu\u00e1ln\u00ed na z\u00e1klad\u011b p\u0159\u00edjm\u016f a sjednan\u00e9 v\u00fd\u0161e d\u00e1vek, s del\u0161\u00ed pracovn\u00ed neschopnost\u00ed z\u016fst\u00e1v\u00e1 d\u00e1vka stejn\u00e1<\/td><\/tr>
V jak\u00fdch p\u0159\u00edpadech je mo\u017en\u00e9 \u010derpat d\u00e1vky?<\/td>P\u0159i pracovn\u00ed neschopnosti z d\u016fvodu nemoci nebo \u00farazu<\/td>P\u0159i pracovn\u00ed neschopnosti z d\u016fvodu nemoci nebo \u00farazu vyjma vylou\u010den\u00fdch diagn\u00f3z<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed m\u016f\u017ee v nouzi \u201cbodnout\u201d. V \u017eivotn\u00edm poji\u0161t\u011bn\u00ed ale nezapome\u0148te zejm\u00e9na na dlouhodob\u00e1 rizika<\/strong>, jako je poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti, invalidity, z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed a trval\u00fdch n\u00e1sledk\u016f \u00farazu. Takov\u00e9 ud\u00e1losti toti\u017e mohou rodinn\u00fd rozpo\u010det zas\u00e1hnout je\u0161t\u011b mnohem h\u016f\u0159.  <\/p>\n\n\n\n

A kam se obr\u00e1tit, kdy\u017e si chcete \u017eivotko sjednat? Nejprve si ho srovnejte <\/strong>a najd\u011bte to nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed na RIXO.cz<\/strong>. Sta\u010d\u00ed v\u00e1m na to jen dv\u011b minuty a u\u017e si m\u016f\u017eete prohl\u00ed\u017eet, jak\u00e9 nab\u00eddky si poji\u0161\u0165ovny p\u0159ipravily pr\u00e1v\u011b pro v\u00e1s. <\/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":"

Nemocensk\u00e9 poji\u0161t\u011bn\u00ed je jedn\u00edm z ve\u0159ejn\u00fdch poji\u0161t\u011bn\u00ed, kter\u00e9 m\u00e1 ka\u017ed\u00fd zam\u011bstnanec i n\u011bkte\u0159\u00ed \u017eivnostn\u00edci. Kdy se na n\u011bj m\u016f\u017eete spolehnout a kdy v\u00e1m d\u00e1vky nemocensk\u00e9ho nepomohou? V situac\u00edch, na kter\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed nemysl\u00ed, v\u00e1s podr\u017e\u00ed poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti ve va\u0161em \u017eivotku.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":2273,"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\/2270"}],"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=2270"}],"version-history":[{"count":7,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2270\/revisions"}],"predecessor-version":[{"id":2291,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2270\/revisions\/2291"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2273"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2270"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2270"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2270"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}