{"id":2514,"date":"2024-07-01T12:48:30","date_gmt":"2024-07-01T10:48:30","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2514"},"modified":"2024-07-01T12:48:31","modified_gmt":"2024-07-01T10:48:31","slug":"pojisteni-nemoci-jak-a-proc-si-pojistit-zavazna-onemocneni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-nemoci-jak-a-proc-si-pojistit-zavazna-onemocneni\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed nemoci: Jak a pro\u010d si pojistit z\u00e1va\u017en\u00e1 onemocn\u011bn\u00ed"},"content":{"rendered":"\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m nab\u00edz\u00ed ochranu proti cel\u00e9 \u0159ad\u011b rizik v\u010detn\u011b invalidity, trval\u00fdch n\u00e1sledk\u016f \u00farazu i v\u00e1\u017en\u00fdch onemocn\u011bn\u00ed. Kdy poji\u0161t\u011bn\u00ed nemoci p\u0159ijde vhod a na co se vlastn\u011b vztahuje? S t\u00edm v\u00e1s sezn\u00e1m\u00ed pr\u00e1v\u011b tento \u010dl\u00e1nek.<\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad z\u00e1va\u017en\u00e9 nemoci<\/strong> je jedn\u00edm z d\u00edl\u010d\u00edch poji\u0161t\u011bn\u00ed v rizikov\u00e9m \u017eivotn\u00edm poji\u0161t\u011bn\u00ed. Sjednat si ho m\u016f\u017eete a nemus\u00edte – rozhodn\u011b ale nenajdete d\u016fvod, pro\u010d ho z va\u0161eho \u017eivotka vynechat. Je toti\u017e dob\u0159e zn\u00e1m\u00e9, \u017ee onemocn\u011bn\u00ed stoj\u00ed za drtivou v\u011bt\u0161inou <\/strong>zdravotn\u00edch pot\u00ed\u017e\u00ed dosp\u011bl\u00fdch oproti ne\u0161\u0165astn\u00fdm \u00faraz\u016fm, kter\u00fdmi trp\u00ed p\u0159edev\u0161\u00edm d\u011bti. Kr\u00e1tkodob\u00e9 zdravotn\u00ed pot\u00ed\u017ee<\/strong> si tak\u00e9 m\u016f\u017eete pojistit, ale v odli\u0161n\u00e9m poji\u0161t\u011bn\u00ed. Pro tento p\u0159\u00edpad se sjedn\u00e1v\u00e1 poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/strong><\/a>. <\/p>\n\n\n\n

K \u010demu slou\u017e\u00ed poji\u0161t\u011bn\u00ed nemoci? <\/h2>\n\n\n\n

V \u010cesk\u00e9 republice m\u016f\u017eete vyu\u017e\u00edvat v\u00fdhod ve\u0159ejn\u00e9ho zdravotn\u00edho poji\u0161t\u011bn\u00ed a v p\u0159\u00edpad\u011b, \u017ee se u v\u00e1s rozvine n\u011bjak\u00e1 z v\u00e1\u017en\u00fdch chorob, o\u0161et\u0159en\u00ed, l\u00e9\u010dbu a dal\u0161\u00ed standardn\u00ed l\u00e9ka\u0159sk\u00e9 slu\u017eby vyu\u017e\u00edv\u00e1te bezplatn\u011b<\/strong>. <\/p>\n\n\n\n

Jak se ale popasovat s n\u00e1klady<\/strong>, kter\u00e9 jsou d\u016fsledkem va\u0161eho onemocn\u011bn\u00ed a ve\u0159ejn\u00fd syst\u00e9m s nimi nepom\u016f\u017ee? Kompenza\u010dn\u00ed pom\u016fcky, pokro\u010dil\u00e1 \u010di nadstandardn\u00ed l\u00e9\u010dba, rehabilitace a samoz\u0159ejm\u011b tak\u00e9 zv\u00fd\u0161en\u00e9 n\u00e1klady na veden\u00ed dom\u00e1cnosti v\u00e1m m\u016f\u017ee pokr\u00fdt dob\u0159e nastaven\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> s poji\u0161t\u011bn\u00edm z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed<\/strong>. <\/p>\n\n\n\n

Jak funguje poji\u0161t\u011bn\u00ed nemoci? <\/h2>\n\n\n\n

Poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00e9 nemoci pokr\u00fdv\u00e1 vyjmenovan\u00e9 diagn\u00f3zy<\/strong>, kter\u00e9 naleznete v\u017edy v pojistn\u00fdch podm\u00ednk\u00e1ch konkr\u00e9tn\u00ed vybran\u00e9 poji\u0161\u0165ovny. Po\u010d\u00edtejte s t\u00edm, \u017ee rozsah diagn\u00f3z se m\u016f\u017ee v\u00fdrazn\u011b li\u0161it, tak\u017ee ne\u017e zajdete sjednat poji\u0161t\u011bn\u00ed na pobo\u010dku va\u0161\u00ed obl\u00edben\u00e9 poji\u0161\u0165ovny, rad\u011bji si nab\u00eddky a rozsahy pojistek srovnejte. <\/p>\n\n\n\n

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

D\u016fle\u017eit\u00e9 je ale tak\u00e9 v\u011bd\u011bt, jak a kdy v\u00e1m toto poji\u0161t\u011bn\u00ed m\u016f\u017ee pomoci. N\u00e1rok na pln\u011bn\u00ed vznik\u00e1 ve chv\u00edli, kdy v\u00e1m byla n\u011bjak\u00e1 z poji\u0161t\u011bn\u00fdch nemoc\u00ed diagnostikov\u00e1na l\u00e9ka\u0159em<\/strong> a pro prok\u00e1z\u00e1n\u00ed t\u00e9to skute\u010dnosti sta\u010d\u00ed poji\u0161\u0165ovn\u011b dolo\u017eit l\u00e9ka\u0159skou zpr\u00e1vu s bli\u017e\u0161\u00edmi informacemi. Nen\u00ed zde podm\u00ednka hospitalizace, pracovn\u00ed neschopnosti \u010di jin\u00e9 omezen\u00ed – zkr\u00e1tka jakmile v\u00e1m n\u011bjakou z\u00e1va\u017enou nemoc l\u00e9ka\u0159 zjist\u00ed, m\u016f\u017ee v\u00e1m poji\u0161\u0165ovna vyplatit \u010d\u00e1stku<\/strong>, kterou jste si ur\u010dili ve smlouv\u011b<\/strong>. Toto poji\u0161t\u011bn\u00ed v\u00e1s u v\u011bt\u0161iny poji\u0161\u0165oven chr\u00e1n\u00ed po celou dobu poji\u0161t\u011bn\u00ed<\/strong>, u neurodegenerativn\u00edch onemocn\u011bn\u00ed v\u0161ak b\u00fdv\u00e1 ochrana ukon\u010dena dosa\u017een\u00edm 65 let v\u011bku<\/strong>. <\/p>\n\n\n\n

Jak\u00e1 z\u00e1va\u017en\u00e1 onemocn\u011bn\u00ed si m\u016f\u017eete pojistit?<\/h2>\n\n\n\n

Z\u00e1va\u017en\u00e1 onemocn\u011bn\u00ed se poji\u0161\u0165uj\u00ed spole\u010dn\u011b <\/strong>v jednom d\u00edl\u010d\u00edm poji\u0161t\u011bn\u00ed <\/strong>– nemus\u00edte tedy vyb\u00edrat, zda se chcete pojistit proti kardiovaskul\u00e1rn\u00edm chorob\u00e1m, rakovinn\u00fdm onemocn\u011bn\u00edm, infek\u010dn\u00edm nemocem nebo neurologick\u00fdm rizik\u016fm. N\u011bkter\u00e9 p\u0159\u00edklady diagn\u00f3z, na kter\u00e9 se m\u016f\u017eete pojistit, v\u00e1m zde ale p\u0159edstav\u00edme. <\/p>\n\n\n\n

Je pot\u0159eba ale po\u010d\u00edtat s t\u00edm, \u017ee poji\u0161\u0165ovny jednotliv\u00e9 n\u00e1sledky definuj\u00ed specificky a m\u016f\u017ee doj\u00edt k tomu, \u017ee je po\u017eadov\u00e1n v\u00fdznamn\u011bj\u0161\u00ed dopad do \u017eivota klienta, ne\u017e si lid\u00e9 obvykle p\u0159edstavuj\u00ed. To znamen\u00e1, \u017ee nap\u0159\u00edklad u diagn\u00f3zy Alzheimerovy nemoci je po\u017eadov\u00e1no i p\u0159izn\u00e1n\u00ed z\u00e1vislosti na p\u00e9\u010di ur\u010dit\u00e9ho stupn\u011b. Pokud tato podm\u00ednka nen\u00ed spln\u011bna, nejde o definici z\u00e1va\u017en\u00e9ho onemocn\u011bn\u00ed, jak ho ch\u00e1pou poji\u0161\u0165ovny. <\/p>\n\n\n\n

Rakovina (invazivn\u00ed n\u00e1dorov\u00e1 onemocn\u011bn\u00ed)<\/h3>\n\n\n\n

Stra\u0161\u00e1k, kter\u00e9ho se boj\u00ed ka\u017ed\u00fd. Druh\u016f n\u00e1dor\u016f a jimi napaden\u00fdch org\u00e1n\u016f je cel\u00e1 \u0159ada, a toto \u0161irok\u00e9 spektrum <\/strong>pokr\u00fdvaj\u00ed poji\u0161t\u011bn\u00edm v z\u00e1sad\u011b i v\u0161echny poji\u0161\u0165ovny. U rakoviny lze tak\u00e9 p\u0159ipojistit ran\u00e1 st\u00e1dia <\/strong>n\u00e1dorov\u00e9ho bujen\u00ed tzv. in situ<\/strong>, co\u017e znamen\u00e1, \u017ee je\u0161t\u011b nedo\u0161lo k roz\u0161\u00ed\u0159en\u00ed rakovinn\u00e9 tk\u00e1n\u011b do okoln\u00edho prostoru a vykazuje obecn\u011b vysokou \u00fasp\u011b\u0161nost l\u00e9\u010den\u00ed. Myslete na to, \u017ee za rakovinu se zde pova\u017euj\u00ed malign\u00ed (zhoubn\u00e9) n\u00e1dory<\/strong>, nikoliv ale benign\u00ed (nezhoubn\u00e9) novotvary. To jsou nap\u0159\u00edklad v drtiv\u00e9 v\u011bt\u0161in\u011b org\u00e1nov\u00e9 \u010di ko\u017en\u00ed cysty, d\u011blo\u017en\u00ed myomy a dal\u0161\u00ed \u00fatvary.<\/p>\n\n\n\n

\"poji\u0161t\u011bn\u00ed<\/figure>\n\n\n\n

Infarkt myokardu <\/h3>\n\n\n\n

Srde\u010dn\u00ed infarkt je jedn\u00edm z \u017eivot ohro\u017euj\u00edc\u00edch stav\u016f a nem\u016f\u017ee tak b\u00fdt divu, \u017ee se objevuje i v kryt\u00fdch diagn\u00f3z\u00e1ch u poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed. Pln\u011bn\u00ed se nemus\u00ed vypl\u00e1cet jen po tomto zn\u00e1m\u00e9m akutn\u00edm stavu<\/strong>, ale i po nov\u011b objeven\u00fdch zm\u011bn\u00e1ch srde\u010dn\u00ed svaloviny p\u0159i kardiologick\u00e9m vy\u0161et\u0159en\u00ed<\/strong>. V pojistn\u00fdch podm\u00ednk\u00e1ch m\u016f\u017ee b\u00fdt infarkt definov\u00e1n n\u011bkolika podm\u00ednkami, kter\u00e9 je pot\u0159eba splnit. A samoz\u0159ejm\u011b, net\u00fdk\u00e1 se to jin\u00fdch diagn\u00f3z, kter\u00e9 se mohou zd\u00e1t na prvn\u00ed pohled podobn\u00e9, t\u0159eba jako je angina pectoris. <\/p>\n\n\n\n

Mrtvice (c\u00e9vn\u00ed mozkov\u00e1 p\u0159\u00edhoda)<\/h3>\n\n\n\n

Nem\u00e9n\u011b v\u00e1\u017en\u00fdm stavem je mozkov\u00e1 p\u0159\u00edhoda, kter\u00e1 se \u010dasto ozve jako blesk z \u010dist\u00e9ho nebe. Pro p\u0159\u00edpad mrtvice, kter\u00e1 zanech\u00e1 neurologick\u00e9 n\u00e1sledky<\/strong> a dojde k n\u00ed prasknut\u00edm c\u00e9vy nebo jej\u00edm ucp\u00e1n\u00edm, se tak\u00e9 lze pojistit. Pozor, nepo\u010d\u00edtaj\u00ed se sem stavy podobn\u00e9 CMP, jako p\u0159\u00edhody vznikl\u00e9 kv\u016fli nedostatku kysl\u00edku, infekci nebo z\u00e1n\u011btu. Ty toti\u017e mohou b\u00fdt obsa\u017eeny v jin\u00fdch <\/strong>diagn\u00f3z\u00e1ch. <\/p>\n\n\n\n

Jak\u00e9 dal\u0161\u00ed nemoci a zdravotn\u00ed ud\u00e1losti se poji\u0161\u0165uj\u00ed?<\/h3>\n\n\n\n

Kardiovaskul\u00e1rn\u00ed choroby a v\u00fdkony<\/strong>: Kardiomyopatie, plicn\u00ed hypertenze, operace bypass, aorty, n\u00e1hrada srde\u010dn\u00edch chlopn\u00ed.<\/p>\n\n\n\n

Nemoci vnit\u0159n\u00edch org\u00e1n\u016f<\/strong>: selh\u00e1n\u00ed ledvin, nezbytn\u00e1 transplantace org\u00e1n\u016f, plicn\u00ed (nap\u0159 CHOPN) a jatern\u00ed onemocn\u011bn\u00ed \/nap\u0159. cirh\u00f3za) v kone\u010dn\u00e9m stadiu, selh\u00e1n\u00ed jater, z\u00e1va\u017en\u00e9 pop\u00e1leniny, t\u011b\u017ek\u00fd \u00faraz hlavy s trval\u00fdm po\u0161kozen\u00edm mozku, lupus.<\/p>\n\n\n\n

Neurologick\u00e9 choroby a stavy<\/strong>: Trval\u00e9 ochrnut\u00ed kon\u010detiny, benign\u00ed n\u00e1dory mozku, prionov\u00e9 onemocn\u011bn\u00ed mozku, roztrou\u0161en\u00e1 skler\u00f3za, mozkov\u00e1 encefalitida \u010di meningitida s trval\u00fdm po\u0161kozen\u00edm nervov\u00e9 \u010dinnosti, k\u00f3ma, progresivn\u00ed nervosvalov\u00e1 onemocn\u011bn\u00ed (nap\u0159. ALS), Parkinsonova a Alzheimerova choroba.<\/p>\n\n\n\n

Onemocn\u011bn\u00ed smyslov\u00fdch org\u00e1n\u016f: <\/strong>Trval\u00e9, nevratn\u00e9 a oboustrann\u00e9 ztr\u00e1ty sluchu a zraku, ztr\u00e1ta \u0159e\u010di.<\/p>\n\n\n\n

Mezi poji\u0161\u0165ovan\u00e1 onemocn\u011bn\u00ed m\u016f\u017ee pat\u0159it \u0159ada dal\u0161\u00edch infek\u010dn\u00edch, hematologick\u00fdch nebo jin\u00fdch chorob a stav\u016f. Myslete v\u0161ak na to, \u017ee du\u0161evn\u00ed nemoci <\/strong>(bez prokazateln\u00e9 neurologick\u00e9 p\u0159\u00ed\u010diny), vrozen\u00e1 \u010di geneticky podm\u00edn\u011bn\u00e1 <\/strong>onemocn\u011bn\u00ed a jejich progrese jsou z kryt\u00ed zpravidla vylou\u010den\u00e1<\/strong>. <\/p>\n\n\n\n

Na co d\u00e1t pozor, ne\u017e si poji\u0161t\u011bn\u00ed nemoci sjedn\u00e1te?<\/h2>\n\n\n\n