{"id":2840,"date":"2025-01-23T09:51:06","date_gmt":"2025-01-23T08:51:06","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2840"},"modified":"2026-03-06T10:16:29","modified_gmt":"2026-03-06T09:16:29","slug":"zivotni-pojisteni-a-rakovina","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/zivotni-pojisteni-a-rakovina\/","title":{"rendered":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed a rakovina: Jak se pojistit po rakovin\u011b"},"content":{"rendered":"\n

D\u016fle\u017eitost \u017eivotn\u00edho poji\u0161t\u011bn\u00ed si \u010dasto uv\u011bdomujeme a\u017e ve chv\u00edli, kdy u\u017e zdrav\u00ed p\u0159est\u00e1v\u00e1 slou\u017eit. To ale neznamen\u00e1, \u017ee v\u00e1m je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed zcela zapov\u011bzeno, i kdy\u017e v\u00e1s potkala rakovina. I po onkologick\u00e9 l\u00e9\u010db\u011b m\u00e1te mo\u017enost si \u017eivotko sjednat. V jak\u00e9m rozsahu a kdy v\u00e1s poji\u0161\u0165ovny p\u0159ijmou do poji\u0161t\u011bn\u00ed? Pr\u00e1v\u011b o tom je tento \u010dl\u00e1nek.<\/p>\n\n\n\n

P\u0159ekonat diagn\u00f3zu rakoviny rozhodn\u011b nen\u00ed lehk\u00e9, stejn\u011b jako uv\u011bdomit si, \u017ee v \u017eivot\u011b p\u0159ich\u00e1z\u00ed chv\u00edle, kdy se o sebe nem\u016f\u017eete postarat sami a hodila by se v\u00e1m pomocn\u00e1 ruka poji\u0161\u0165ovny. D\u0159\u00edve si klienti i po \u00fasp\u011b\u0161n\u00e9m ukon\u010den\u00ed l\u00e9\u010dby zhoubn\u00e9ho n\u00e1doru mohli o \u017eivotn\u00ed pojistce nechat zd\u00e1t, dnes u\u017e to takov\u00fd probl\u00e9m nen\u00ed – alespo\u0148 v p\u0159\u00edpad\u011b n\u011bkter\u00fdch pojistn\u00fdch rizik. <\/p>\n\n\n\n

Rakovina a pr\u00e1vo b\u00fdt zapomenut v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n

V roce 2024 se odehr\u00e1l z\u00e1sadn\u00ed pr\u016flom ve sjedn\u00e1v\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed u klient\u016f, kter\u00e9 kv\u016fli d\u0159\u00edv\u011bj\u0161\u00ed diagn\u00f3ze rakoviny<\/strong> poji\u0161\u0165ovny pau\u0161\u00e1ln\u011b a bez dal\u0161\u00edho odm\u00edtaly<\/strong>. \u010cesk\u00e1 asociace poji\u0161\u0165oven p\u0159ijala standard, podle n\u011bho\u017e se po ur\u010dit\u00e9m po\u010dtu let<\/strong> bude na klienty po vyl\u00e9\u010den\u00ed nahl\u00ed\u017eet jako na zdrav\u00e9<\/strong>. K t\u00e9to praxi se poji\u0161\u0165ovny p\u0159id\u00e1vaj\u00ed postupn\u011b, u\u017e nyn\u00ed ale m\u016f\u017eete pojistku podle tohoto standardu sjednat. <\/p>\n\n\n\n

Ze samoregula\u010dn\u00edho standardu ve zkratce vypl\u00fdv\u00e1, \u017ee k poji\u0161t\u011bn\u00ed smrti<\/a><\/strong> nebude p\u0159i spln\u011bn\u00ed podm\u00ednek klient\u016fm v n\u011bkolikalet\u00e9 remisi \u00fa\u010dtovan\u00e1 p\u0159ir\u00e1\u017eka <\/strong>a nedojde ke sn\u00ed\u017een\u00ed pojistn\u00e9 \u010d\u00e1stky<\/strong> z d\u016fvodu d\u0159\u00edv\u011bj\u0161\u00edho n\u00e1dorov\u00e9ho onemocn\u011bn\u00ed. Nov\u00fd v\u00fdvoj nicm\u00e9n\u011b rozhodn\u011b neznamen\u00e1, \u017ee v\u00e1m poji\u0161\u0165ovna do smlouvy ned\u00e1 v\u00fdluky na r\u016fzn\u00e1 rizika a diagn\u00f3zy <\/strong>nap\u0159\u00edklad <\/strong>v poji\u0161t\u011bn\u00ed invalidity<\/strong><\/a> nebo poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch nemoc\u00ed<\/strong><\/a> <\/strong>– tento standard se vztahuje pouze <\/strong>na hlavn\u00ed poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti<\/strong> (ze v\u0161ech p\u0159\u00ed\u010din, tedy nemoci i \u00farazu). St\u00e1le ale jde o v\u00fdznamn\u00fd posun pro klienty, kte\u0159\u00ed si cht\u011bli nap\u0159\u00edklad pojistit hypot\u00e9ku nebo zajistit sv\u00e9 d\u011bti. <\/p>\n\n\n\n

Samoz\u0159ejm\u011b je tak\u00e9 nutn\u00e9 po\u010d\u00edtat s t\u00edm, \u017ee v r\u00e1mci oce\u0148ov\u00e1n\u00ed zdravotn\u00edho stavu<\/strong> p\u0159ed uzav\u0159en\u00edm poji\u0161t\u011bn\u00ed se prov\u011b\u0159uje celkov\u00fd zdravotn\u00ed stav, pokud tedy aktu\u00e1ln\u011b trp\u00edte dal\u0161\u00edmi chorobami nebo jste v invalidn\u00edm d\u016fchodu, m\u016f\u017ee pro v\u00e1s ve v\u00fdsledku b\u00fdt jedinou variantou pouze sjedn\u00e1n\u00ed \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu.<\/p>\n\n\n\n

Po kolika letech rakovina v anamn\u00e9ze poji\u0161\u0165ovn\u00e1m \u201cnevad\u00ed\u201d?<\/h2>\n\n\n\n

Poji\u0161\u0165ovny hodnot\u00ed rizikovost klienta s ohledem na rakovinu podle n\u011bkolika faktor\u016f – konkr\u00e9tn\u00edho typu rakoviny<\/strong>, st\u00e1dia onemocn\u011bn\u00ed<\/strong> nebo rozsahu n\u00e1dorov\u00e9ho onemocn\u011bn\u00ed<\/strong> v klasifikaci TNM (T1-T4) a tak\u00e9 doby<\/strong>, kter\u00e1 od \u00fasp\u011b\u0161n\u00e9ho vyl\u00e9\u010den\u00ed<\/strong> (v\u010detn\u011b udr\u017eovac\u00ed l\u00e9\u010dby) uplynula do chv\u00edle sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed<\/strong>. <\/p>\n\n\n\n

Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u016f\u017ee posuzovat rizikovost t\u00e9 sam\u00e9 diagn\u00f3zy jinak, a tedy se vyplat\u00ed ov\u011b\u0159it si mo\u017enosti poji\u0161t\u011bn\u00ed u v\u00edce poji\u0161\u0165oven. Ur\u010dit\u00e9 diagn\u00f3zy tak\u00e9 n\u011bkter\u00e9 poji\u0161\u0165ovny nepoji\u0161\u0165uj\u00ed plo\u0161n\u011b, ale v\u017edy je posuzuj\u00ed individu\u00e1ln\u011b<\/strong> v r\u00e1mci oce\u0148ov\u00e1n\u00ed zdravotn\u00edho stavu. <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Jak\u00e9 podm\u00ednky vstupu do poji\u0161t\u011bn\u00ed uplat\u0148uj\u00ed konkr\u00e9tn\u00ed poji\u0161\u0165ovny u vybran\u00fdch onkologick\u00fdch diagn\u00f3z? <\/strong><\/p>\n\n\n\n

<\/td>\u010cesk\u00e1 podnikatelsk\u00e1 poji\u0161\u0165ovna<\/strong><\/td>Allianz<\/strong><\/td>NN \u017eivotn\u00ed poji\u0161\u0165ovna<\/strong><\/td>Komer\u010dn\u00ed poji\u0161\u0165ovna<\/strong><\/td><\/tr>
Rakovina prsu<\/strong><\/td>10 let<\/td>5 let (0.,1. st.), 7 let (2. st.), 10 let (3.,4 st.)<\/td>8 let (T1), 9 let (T2), 10 let (T3)<\/td>7 let (T1), 10 let (T2-T3)<\/td><\/tr>
Rakovina prostaty<\/strong><\/td>–<\/td>5 let (0.,1. st.), 9 let (2. st.), 10 let (3.,4 st.)<\/td>–<\/td>–<\/td><\/tr>
Rakovina \u0161t\u00edtn\u00e9 \u017el\u00e1zy<\/strong><\/td>7 let<\/td>5 let (0.,1. st.),9 let (2.,3.,4. st.)<\/td>7 let (T1), 10 let (T2-T3)<\/td>5 let (T1), 7 let (T2-T3)<\/td><\/tr>
Rakovina vaje\u010dn\u00edk\u016f<\/strong><\/td>7 let<\/td>5 let (0.,1. st.), 6 let (2. st.),
7 let (3.,4. st.)<\/td>		10 let (T1-T3)<\/td>7 let (T1), 10 let (T2-T3)<\/td><\/tr>
Rakovina k\u016f\u017ee (melanom)<\/strong><\/td>–<\/td>5 let (0.,1. st.), 9 let (2. st.),
10 let (3.,4 st.)<\/td>		–<\/td>5 let (T1), 7 let (T2), 10 let (T3)<\/td><\/tr>
Rakovina tlust\u00e9ho st\u0159eva<\/strong><\/td>10 let<\/td>5 let (0.,1. st.),9 let (2.,3.,4. st.)<\/td>8 let (T1), 10 let (T2-T3)<\/td>10 let (T1-T3)<\/td><\/tr>
Rakovina d\u011blo\u017en\u00edho \u010d\u00edpku<\/strong><\/td>7 let<\/td>6 let (0.,1. st.), 7 let (2. st.),
10 let (3.,4 st.)<\/td>		3 roky (T1), 7 let (T2), 9 let (T3)<\/td>7 let (T1-T2), 10 let (T3)<\/td><\/tr><\/tbody><\/table>
Data vybran\u00fdch poji\u0161\u0165oven jsou aktu\u00e1ln\u00ed k lednu 2025.<\/em><\/figcaption><\/figure>\n\n\n\n

Jak je to s poji\u0161t\u011bn\u00edm dal\u0161\u00edch rizik?<\/h2>\n\n\n\n

V r\u00e1mci poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti po vyl\u00e9\u010den\u00ed n\u00e1dorov\u00e9ho onemocn\u011bn\u00ed u\u017e dnes nemus\u00edte u poji\u0161\u0165ovny narazit, jak je to ale s dal\u0161\u00edmi poji\u0161t\u011bn\u00edmi, kter\u00e1 jsou sou\u010d\u00e1st\u00ed komplexn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed? <\/p>\n\n\n\n

Bohu\u017eel poji\u0161\u0165ovny na onkologickou diagn\u00f3zu<\/strong> ohled v drtiv\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f br\u00e1t budou<\/strong>, a to p\u0159edev\u0161\u00edm u rizik souvisej\u00edc\u00edch s nemocemi<\/strong>, mezi kter\u00e9 pat\u0159\u00ed nap\u0159\u00edklad poji\u0161t\u011bn\u00ed invalidity<\/strong> ze v\u0161ech p\u0159\u00ed\u010din nebo poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed<\/strong>. Berou toti\u017e v potaz mo\u017en\u00e9 zdravotn\u00ed pot\u00ed\u017ee, kter\u00e9 mohou v budoucnu nastat nejen kv\u016fli samotn\u00e9 diagn\u00f3ze, ale nap\u0159\u00edklad n\u00e1sledk\u016fm onemocn\u011bn\u00ed \u010di l\u00e9\u010dby<\/strong>. P\u0159\u00edkladem m\u016f\u017ee b\u00fdt sn\u00ed\u017een\u00e1 funkce org\u00e1n\u016f vlivem agresivn\u00ed chemoterapie nebo po\u0161kozen\u00ed org\u00e1n\u016f po oza\u0159ov\u00e1n\u00ed. <\/p>\n\n\n\n

P\u0159i upisov\u00e1n\u00ed rizik p\u0159ed sjedn\u00e1n\u00edm poji\u0161t\u011bn\u00ed se na z\u00e1klad\u011b vy\u017e\u00e1dan\u00fdch l\u00e9ka\u0159sk\u00fdch zpr\u00e1v m\u016f\u017ee poji\u0161\u0165ovna rozhodnout, \u017ee v\u00e1m n\u011bkter\u00e1 poji\u0161t\u011bn\u00ed nenab\u00eddne v\u016fbec<\/strong>, vylou\u010d\u00ed z ur\u010dit\u00e9ho poji\u0161t\u011bn\u00ed<\/strong> souvisej\u00edc\u00ed zdravotn\u00ed pot\u00ed\u017ee<\/strong> nebo k z\u00e1kladn\u00edmu pojistn\u00e9mu p\u0159i\u010dte t\u0159eba dvojn\u00e1sobnou p\u0159ir\u00e1\u017eku<\/strong>. <\/p>\n\n\n\n

Jak m\u016f\u017ee vypadat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a> na m\u00edru pro v\u00e1s? V\u011bnujte dv\u011b minuty srovn\u00e1n\u00ed \u017eivotn\u00edho a \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed na RIXO.cz a my v\u00e1m nalezneme ty nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky od cel\u00e9 \u0159ady poji\u0161\u0165oven, kter\u00e9 v\u00e1m budou kr\u00fdt z\u00e1da, a\u0165 se d\u011bje cokoliv. <\/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":"

D\u016fle\u017eitost \u017eivotn\u00edho poji\u0161t\u011bn\u00ed si \u010dasto uv\u011bdomujeme a\u017e ve chv\u00edli, kdy u\u017e zdrav\u00ed p\u0159est\u00e1v\u00e1 slou\u017eit. To ale neznamen\u00e1, \u017ee v\u00e1m je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed zcela zapov\u011bzeno, kdy\u017e v\u00e1s potkala rakovina. I po onkologick\u00e9 l\u00e9\u010db\u011b m\u00e1te mo\u017enost si \u017eivotko sjednat. V jak\u00e9m rozsahu a kdy v\u00e1s poji\u0161\u0165ovny p\u0159ijmou do poji\u0161t\u011bn\u00ed?<\/p>\n","protected":false},"author":10,"featured_media":2842,"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\/2840"}],"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\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=2840"}],"version-history":[{"count":5,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2840\/revisions"}],"predecessor-version":[{"id":3962,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2840\/revisions\/3962"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2842"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2840"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2840"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2840"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}