{"id":2747,"date":"2024-11-04T13:41:00","date_gmt":"2024-11-04T12:41:00","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2747"},"modified":"2025-02-21T16:26:16","modified_gmt":"2025-02-21T15:26:16","slug":"koureni-vaping-a-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/koureni-vaping-a-zivotni-pojisteni\/","title":{"rendered":"Kou\u0159en\u00ed, vaping a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed: V\u0161e, co mus\u00edte v\u011bd\u011bt"},"content":{"rendered":"\n

Kou\u0159\u00edte? A kolik cigaret vykou\u0159\u00edte za den? To jsou ot\u00e1zky, kter\u00e9 v\u00e1s mohou p\u0159i sjedn\u00e1v\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed uvrhnout do nejistoty. Pro\u010d to poji\u0161\u0165ovny zaj\u00edm\u00e1 a co se m\u016f\u017ee st\u00e1t, kdy\u017e uvedete ne tak \u00fapln\u011b pravdiv\u00e9 informace? V\u0161e, co se t\u00fdk\u00e1 kou\u0159en\u00ed, vapingu a \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, v\u00e1m shrneme v tomto \u010dl\u00e1nku. <\/p>\n\n\n\n

Pro\u010d se v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed \u0159e\u0161\u00ed kou\u0159en\u00ed? <\/h2>\n\n\n\n

Ot\u00e1zka, zda kou\u0159\u00edte, pijete alkohol nebo u\u017e\u00edv\u00e1te n\u011bjak\u00e9 l\u00e9ky, je ned\u00edlnou sou\u010d\u00e1st\u00ed zdravotn\u00edho dotazn\u00edku, se kter\u00fdm se setk\u00e1v\u00e1 ka\u017ed\u00fd, kdo si sjedn\u00e1v\u00e1 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Jedn\u00e1 se toti\u017e o faktory, kter\u00e9 ur\u010duj\u00ed rizikovost klienta. Z informace, \u017ee kou\u0159en\u00ed s sebou p\u0159in\u00e1\u0161\u00ed zv\u00fd\u0161en\u00e9 riziko v\u00fdskytu infarktu, mrtvice a dal\u0161\u00edch z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed, ur\u010dit\u011b nebudete p\u0159ekvapeni. A pr\u00e1v\u011b od statistik poji\u0161\u0165ovny odvozuj\u00ed m\u00edru rizika klienta ve vztahu k mo\u017en\u00fdm zdravotn\u00edm komplikac\u00edm: vy\u0161\u0161\u00ed riziko znamen\u00e1 vy\u0161\u0161\u00ed pojistn\u00e9. <\/p>\n\n\n\n

Ku\u0159\u00e1ci mohou o\u010dek\u00e1vat p\u0159ir\u00e1\u017eku a\u017e v des\u00edtk\u00e1ch procent k z\u00e1kladn\u00ed cen\u011b poji\u0161t\u011bn\u00ed. P\u0159ir\u00e1\u017eka se projev\u00ed zpravidla v poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti, poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed<\/a> nebo poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/a>. Naopak ceny \u00farazov\u00fdch rizik se nav\u00fd\u0161en\u00ed z\u00e1sadn\u011b nedotkne. <\/p>\n\n\n\n

Co v\u0161e bude zaj\u00edmat poji\u0161\u0165ovnu, pokud kou\u0159\u00edte? <\/h2>\n\n\n\n

Krom\u011b ot\u00e1zky, zda kou\u0159\u00edte<\/strong>, se tak\u00e9 setk\u00e1te s dotazem na pr\u016fm\u011brn\u00fd po\u010det vykou\u0159en\u00fdch cigaret za den<\/strong>. N\u011bkdy v\u00e1s m\u016f\u017ee zasko\u010dit i ot\u00e1zka, jak dlouho kou\u0159\u00edte<\/strong>. Na v\u0161echny tyto ot\u00e1zky byste m\u011bli v\u017edy odpov\u00eddat pravdiv\u011b a co nejp\u0159esn\u011bji – i intenzita kou\u0159en\u00ed se v nastaven\u00ed poji\u0161t\u011bn\u00ed a jeho ceny m\u016f\u017ee odrazit. Pokud vykou\u0159\u00edte denn\u011b 5 nebo m\u00e9n\u011b cigaret<\/strong>, zpravidla se to na cen\u011b neodraz\u00ed, vy\u0161\u0161\u00ed po\u010det u\u017e ale m\u016f\u017ee znamenat probl\u00e9m. <\/p>\n\n\n\n

Pamatujte, \u017ee poji\u0161\u0165ovn\u011b byste m\u011bli nahl\u00e1sit jakoukoliv aktivn\u00ed konzumaci tab\u00e1ku<\/strong>, respektive nikotinu – a\u0165 u\u017e u\u017e\u00edv\u00e1te \u017ev\u00fdkac\u00ed tab\u00e1k, vychutn\u00e1v\u00e1te si doutn\u00edky nebo jste p\u0159e\u0161li na jakoukoliv alternativu kou\u0159en\u00ed v\u010detn\u011b za\u0159\u00edzen\u00ed pro zah\u0159\u00edv\u00e1n\u00ed tab\u00e1ku nebo elektronick\u00e9 cigarety, zn\u00e1m\u00e9 jako vaporiz\u00e9ry. Pozor, v n\u011bkter\u00fdch poji\u0161\u0165ovn\u00e1ch se za kou\u0159en\u00ed pova\u017euje i vaping beznikotinov\u00fdch n\u00e1pln\u00ed. Pouze fenom\u00e9n, kter\u00fd se obecn\u011b naz\u00fdv\u00e1 jako pasivn\u00ed kou\u0159en\u00ed<\/strong>, se ve zdravotn\u00edm dotazn\u00edku v z\u00e1sad\u011b ne\u0159e\u0161\u00ed<\/strong>. <\/p>\n\n\n\n

Kolik cigaret vykou\u0159\u00edte? P\u0159epo\u010det m\u016f\u017ee potr\u00e1pit<\/h2>\n\n\n\n

Odpov\u011bd\u011bt na ot\u00e1zku \u201ckolik cigaret vykou\u0159\u00edte denn\u011b?\u201d nemus\u00ed b\u00fdt v\u017edy \u00fapln\u011b jednoduch\u00e9, zvl\u00e1\u0161\u0165 pokud jste od klasick\u00fdch cigaret p\u0159e\u0161li k n\u011bkter\u00e9 z alternativ. U za\u0159\u00edzen\u00ed pro zah\u0159\u00edv\u00e1n\u00ed tab\u00e1ku<\/strong> m\u016f\u017eete po\u010d\u00edtat mno\u017estv\u00ed cigaret analogicky k t\u011bm tradi\u010dn\u00edm<\/strong>, ale p\u0159epo\u010det u vaporiz\u00e9r\u016f vy\u017eaduje trochu v\u00edce zamy\u0161len\u00ed. <\/p>\n\n\n\n

Pokud vapujete, m\u011bli byste v\u011bd\u011bt, jak\u00e9 mno\u017estv\u00ed nikotinu<\/strong> obsahuj\u00ed v\u00e1mi pou\u017e\u00edvan\u00e9 n\u00e1pln\u011b do elektronick\u00fdch cigaret (liquidy) a jak dlouho v\u00e1m jedna lahvi\u010dka vydr\u017e\u00ed. Koncentraci nikotinu (uv\u00e1d\u011bnou v mg\/ml) pak sta\u010d\u00ed p\u0159ev\u00e9st na klasick\u00e9 cigarety – po\u010d\u00edtejte p\u0159itom s t\u00edm, \u017ee jedna b\u011b\u017en\u00e1 cigareta obsahuje kolem 10 mg nikotinu. <\/p>\n\n\n\n

\"kou\u0159en\u00ed\"<\/figure>\n\n\n\n

Spr\u00e1vn\u00e9 \u00fadaje jsou nutnost\u00ed<\/h2>\n\n\n\n

Co kdy\u017e se budete sna\u017eit sv\u00e9 odpov\u011bdi p\u0159ikr\u00e1\u0161lit? Pokud se na rozpor ve va\u0161ich tvrzen\u00edch p\u0159ijde p\u0159i \u0159e\u0161en\u00ed pojistn\u00e9 ud\u00e1losti<\/strong>, m\u016f\u017ee v\u00e1m poji\u0161\u0165ovna pln\u011bn\u00ed kr\u00e1tit nebo dokonce jeho v\u00fdplatu \u00fapln\u011b odm\u00edtnout<\/strong>. A jak se o tom poji\u0161\u0165ovna dozv\u00ed? Hlavn\u011b z l\u00e9ka\u0159sk\u00fdch zpr\u00e1v, kter\u00e9 p\u0159i nahl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti budete poji\u0161\u0165ovn\u011b dokl\u00e1dat.\u00a0<\/p>\n\n\n\n

D\u016fle\u017eit\u00e9 je myslet i na to, \u017ee pokud za\u010dnete nebo naopak p\u0159estanete kou\u0159it<\/strong> v pr\u016fb\u011bhu trv\u00e1n\u00ed va\u0161eho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, m\u011bli byste tak\u00e9 poji\u0161\u0165ovnu o t\u00e9to zm\u011bn\u011b informovat. Ostatn\u011b podobn\u011b to plat\u00ed nap\u0159\u00edklad u zm\u011bny v provozov\u00e1n\u00ed rizikov\u011bj\u0161\u00edch sport\u016f<\/strong><\/a>, zm\u011bny rizikovosti zam\u011bstn\u00e1n\u00ed<\/strong><\/a> <\/strong>a dal\u0161\u00edch \u017eivotn\u00edch krok\u016f, kter\u00e9 mohou m\u00edt dopad na va\u0161e zdrav\u00ed. <\/p>\n\n\n\n

Zaj\u00edm\u00e1 v\u00e1s, kolik by st\u00e1lo \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pr\u00e1v\u011b pro v\u00e1s? Nechte si spo\u010d\u00edtat cenu spr\u00e1vn\u011b nastaven\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed ve srovn\u00e1n\u00ed na RIXO.cz. Sta\u010d\u00ed jen zadat n\u011bkolik \u00fadaj\u016f o v\u00e1s, kter\u00e9 jsou d\u016fle\u017eit\u00e9 pro kalkulaci poji\u0161t\u011bn\u00ed, a my v\u00e1m do minuty uk\u00e1\u017eeme nab\u00eddky 8 p\u0159edn\u00edch poji\u0161\u0165oven. I na kvalitn\u00edm \u017eivotn\u00edm poji\u0161t\u011bn\u00ed je mo\u017en\u00e9 u\u0161et\u0159it. P\u0159esv\u011bd\u010dte se o tom sami!<\/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":"

Kou\u0159\u00edte? A kolik cigaret vykou\u0159\u00edte za den? To jsou ot\u00e1zky, kter\u00e9 v\u00e1s mohou p\u0159i sjedn\u00e1v\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed uvrhnout do nejistoty. Pro\u010d to poji\u0161\u0165ovny zaj\u00edm\u00e1 a co se m\u016f\u017ee st\u00e1t, kdy\u017e uvedete ne tak \u00fapln\u011b pravdiv\u00e9 informace? V\u0161e, co se t\u00fdk\u00e1 kou\u0159en\u00ed, vapingu a \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, v\u00e1m shrneme v tomto \u010dl\u00e1nku.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":2750,"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\/2747"}],"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=2747"}],"version-history":[{"count":5,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2747\/revisions"}],"predecessor-version":[{"id":3083,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2747\/revisions\/3083"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2750"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2747"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2747"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2747"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}