{"id":3529,"date":"2025-08-28T10:17:41","date_gmt":"2025-08-28T08:17:41","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3529"},"modified":"2025-09-16T09:44:22","modified_gmt":"2025-09-16T07:44:22","slug":"zivotni-pojisteni-bez-zkoumani-zdravotniho-stavu","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/zivotni-pojisteni-bez-zkoumani-zdravotniho-stavu\/","title":{"rendered":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu: Co a jak v\u00e1m poji\u0161\u0165ovna pojist\u00ed?"},"content":{"rendered":"\n<p>M\u00e1te z\u00e1jem o sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, ale nechce se v\u00e1m dokl\u00e1dat v\u00e1\u0161 zdravotn\u00ed stav l\u00e9ka\u0159sk\u00fdmi zpr\u00e1vami nebo jste se u\u017e o sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed pokusili, ale poji\u0161\u0165ovna v\u00e1s odm\u00edtla pojistit? Prav\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed bez vypl\u0148ov\u00e1n\u00ed zdravotn\u00edho dotazn\u00edku nesjedn\u00e1te, ale&nbsp;\u0159e\u0161en\u00edm pro v\u00e1s m\u016f\u017ee b\u00fdt \u00farazov\u00e9 poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Co se v \u010dl\u00e1nku dozv\u00edte?<\/h2><nav><ul><li class=\"\"><a href=\"#zivotni-pojisteni-bez-zkoumani-zdravotniho-stavu-jen-u-deti-nebo-na-uraz\">Jak funguje poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu?<\/a><\/li><li class=\"\"><a href=\"#pro-koho-je-pojisteni-bez-zkoumani-zdravotniho-stavu-vhodne\">Pro koho je poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu vhodn\u00e9?<\/a><\/li><li class=\"\"><a href=\"#jak-muze-vypadat-pojisteni-bez-zkoumani-zdravotniho-stavu\">Jak m\u016f\u017ee vypadat poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu?\u00a0<\/a><\/li><li class=\"\"><a href=\"#jaka-je-cena-pojisteni-bez-zkoumani-zdravotniho-stavu\">Jak\u00e1 je cena poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zivotni-pojisteni-bez-zkoumani-zdravotniho-stavu-jen-u-deti-nebo-na-uraz\">Jak funguje poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu?<\/h2>\n\n\n\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 kryje <strong>nemoci i \u00farazy<\/strong>, si bez vypl\u0148ov\u00e1n\u00ed<strong> zdravotn\u00edho dotazn\u00edku<\/strong> a p\u0159\u00edpadn\u00e9ho<strong> dokl\u00e1d\u00e1n\u00ed l\u00e9ka\u0159sk\u00fdch zpr\u00e1v<\/strong> z povahy v\u011bci nesjedn\u00e1te. Poji\u0161\u0165ovnu toti\u017e v\u017edy pro \u00fa\u010del posuzov\u00e1n\u00ed<strong> rizikovosti klienta<\/strong> z pohledu kryt\u00ed <strong>nemoc\u00ed<\/strong> bude zaj\u00edmat, jestli u\u017e m\u00e1te na kont\u011b n\u011bjak\u00e9 diagn\u00f3zy, jak\u00e9 nemoci jste v minulosti prod\u011blali a jestli se zrovna s n\u011b\u010d\u00edm nel\u00e9\u010d\u00edte. To jsou toti\u017e informace, kter\u00e9 mohou rozhodnout o tom, zda v\u00e1m poji\u0161\u0165ovna ur\u010dit\u00e1 <strong>rizika umo\u017en\u00ed sjednat <\/strong>nebo pln\u011bn\u00ed z n\u011bjak\u00e9 p\u0159\u00ed\u010diny<strong> vylou\u010d\u00ed,<\/strong> d\u00e1 k cen\u011b p\u0159ipoji\u0161t\u011bn\u00ed <strong>p\u0159ir\u00e1\u017eku <\/strong>nebo jestli v\u00e1s v\u016fbec do <strong>poji\u0161t\u011bn\u00ed p\u0159ijme<\/strong>. To plat\u00ed jak pro dosp\u011bl\u00e9, tak d\u011bti &#8211; ov\u0161em v r\u00e1mci <strong>d\u011btsk\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed <\/strong>najdete tak\u00e9 n\u011bkolik poji\u0161\u0165oven, kter\u00e9 zdravotn\u00ed dotazn\u00edk nepo\u017eaduj\u00ed a p\u0159ij\u00edmaj\u00ed je do poji\u0161t\u011bn\u00ed <strong>automaticky<\/strong>.&nbsp;<\/p>\n\n\n\n<p>\u00dadaje o va\u0161em <strong>zdravotn\u00edm stavu<\/strong> jsou relevantn\u00ed tak\u0159ka<strong> pro v\u0161echna rizika<\/strong>, nej\u010dast\u011bji ale d\u011blaj\u00ed probl\u00e9m pr\u00e1v\u011b p\u0159i sjedn\u00e1v\u00e1n\u00ed <strong>p\u0159ipoji\u0161t\u011bn\u00ed <\/strong>souvisej\u00edc\u00ed s <strong>nemocemi<\/strong>, respektive variantami <strong>\u201cze v\u0161ech p\u0159\u00ed\u010din\u201d<\/strong> zahrnuj\u00edc\u00ed <strong>nemoci i \u00farazy<\/strong>. Sem m\u016f\u017ee spadat nap\u0159\u00edklad <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-pro-pripad-smrti\/\"><strong>poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti<\/strong><\/a>, <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-invalidity-vs-invalidni-duchod-rozdily-a-vyhody-zivotniho-pojisteni\/\"><strong>invalidity<\/strong><\/a> nebo <a href=\"https:\/\/www.rixo.cz\/blog\/nemocenske-pojisteni-a-pracovni-neschopnost-v-zivotku\/\"><strong>pracovn\u00ed neschopnosti<\/strong><\/a>, \u010dist\u011b na nemoci pot\u00e9 m\u00ed\u0159\u00ed poji\u0161t\u011bn\u00ed <strong>z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed<\/strong>. V r\u00e1mci oce\u0148ov\u00e1n\u00ed zdravotn\u00edho stavu m\u016f\u017ee ale poji\u0161\u0165ovna vz\u00e1cn\u011bji vylou\u010dit i \u00farazov\u00e1 rizika, a to nap\u0159\u00edklad v p\u0159\u00edpad\u011b, \u017ee se l\u00e9\u010d\u00edte s t\u011b\u017ekou du\u0161evn\u00ed poruchou. <\/p>\n\n\n\n<p>Pokud tedy chcete z\u00edskat <strong>poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu<\/strong>, nab\u00edz\u00ed se v\u00e1m pouze omezen\u00e9 <a href=\"https:\/\/www.rixo.cz\/urazove-pojisteni\/\">\u00farazov\u00e9 poji\u0161t\u011bn\u00ed<\/a>, tak\u00e9 naz\u00fdvan\u00e9 jako \u201cbez\u00fapisov\u00e1 varianta\u201d.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pro-koho-je-pojisteni-bez-zkoumani-zdravotniho-stavu-vhodne\">Pro koho je poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu vhodn\u00e9?<\/h2>\n\n\n\n<p>Bez\u00fapisov\u00e1 varianta poji\u0161t\u011bn\u00ed nab\u00edz\u00ed jen \u010d\u00e1st toho, co pokr\u00fdv\u00e1 klasick\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Obzvl\u00e1\u0161\u0165<strong> nemoci<\/strong>, kter\u00e9 jsou v drtiv\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f <strong>p\u0159\u00ed\u010dinou invalidity nebo smrti<\/strong>, v\u00e1m v poji\u0161t\u011bn\u00ed budou chyb\u011bt. Pokud tedy nem\u00e1te v anamn\u00e9ze <strong>v\u00e1\u017en\u00e9 zdravotn\u00ed pot\u00ed\u017ee<\/strong>, kter\u00e9 by v\u00e1m ve sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed br\u00e1nily, rozhodn\u011b se alespo\u0148 o sjedn\u00e1n\u00ed \u017eivotn\u00edho <strong>poji\u0161t\u011bn\u00ed se zdravotn\u00edm dotazn\u00edkem<\/strong> pokuste &#8211; t\u0159eba i u v\u00edce poji\u0161\u0165oven. Ka\u017ed\u00e1 se toti\u017e m\u016f\u017ee k va\u0161im diagn\u00f3z\u00e1m stav\u011bt jinak. Mo\u017en\u00e1 v\u00e1s bude \u010dekat mal\u00e9 administrativn\u00ed kole\u010dko kv\u016fli <strong>vy\u017e\u00e1dan\u00fdm l\u00e9ka\u0159sk\u00fdm zpr\u00e1v\u00e1m<\/strong>, ale za co <strong>nej\u0161ir\u0161\u00ed pojistn\u00e9 kryt\u00ed <\/strong>to rozhodn\u011b stoj\u00ed.&nbsp;<\/p>\n\n\n\n<p>Bez\u00fapisov\u00e1 varianta pak m\u00e1 sv\u00e9 opodstatn\u011bn\u00ed v p\u0159\u00edpad\u011b, \u017ee v\u00e1m poji\u0161\u0165ovna v r\u00e1mci <strong>oce\u0148ov\u00e1n\u00ed <\/strong>zdravotn\u00edho stavu na z\u00e1klad\u011b zji\u0161t\u011bn\u00fdch \u00fadaj\u016f <strong>nepojist\u00ed <\/strong>ve vhodn\u00e9m rozsahu <strong>ani \u00farazov\u00e1 rizika<\/strong>. Alespo\u0148 poji\u0161t\u011bn\u00ed \u00faraz\u016f v\u00e1m bez\u00fapisov\u00e1 varianta zajist\u00ed, co\u017e je rozhodn\u011b lep\u0161\u00ed mo\u017enost, ne\u017e nem\u00edt poji\u0161t\u011bn\u00ed \u017e\u00e1dn\u00e9. K tomu je ov\u0161em nutn\u00e9 dodat, \u017ee ani v r\u00e1mci poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu v\u00e1m \u017e\u00e1dn\u00e1 poji\u0161\u0165ovna <strong>nepokryje \u00farazy<\/strong>, kter\u00e9 <strong>maj\u00ed souvislost s p\u0159edchoz\u00edmi pot\u00ed\u017eemi<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Nap\u0159\u00edklad v p\u0159\u00edpad\u011b, \u017ee do poji\u0161t\u011bn\u00ed vstupujete po prod\u011blan\u00e9 operaci kolene, l\u00e9\u010den\u00ed n\u00e1sledn\u00e9ho \u00farazu tohoto kolene (nebo \u00farazu vznikl\u00e9ho v souvislosti s n\u00edm) v\u00e1m u\u017e poji\u0161\u0165ovnou v budoucnu nebude proplaceno. Toto pravidlo ostatn\u011b plat\u00ed jak pro <strong>\u017eivotn\u00ed, tak \u00farazov\u00e9 poji\u0161t\u011bn\u00ed v jak\u00e9koliv podob\u011b<\/strong>. A pozor, do poji\u0161t\u011bn\u00ed bez zdravotn\u00edho dotazn\u00edku u drtiv\u00e9 v\u011bt\u0161iny poji\u0161\u0165oven ani nelze vstoupit v p\u0159\u00edpad\u011b, \u017ee m\u00e1te p\u0159iznan\u00fd<strong> n\u011bkter\u00fd ze stup\u0148\u016f invalidity<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-muze-vypadat-pojisteni-bez-zkoumani-zdravotniho-stavu\">Jak m\u016f\u017ee vypadat poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu?&nbsp;<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed, respektive jednotliv\u00e1 pojistn\u00e1 rizika, jsou v\u017edy omezena <strong>maxim\u00e1ln\u00ed pojistnou \u010d\u00e1stkou<\/strong> a v ur\u010dit\u00fdch p\u0159\u00edpadech tak\u00e9 <strong>v\u00fd\u010dtem \u201cp\u0159ijateln\u00fdch\u201d \u00faraz\u016f<\/strong>. Poj\u010fme se pod\u00edvat, jak \u0161irok\u00fd m\u016f\u017ee b\u00fdt rozsah poji\u0161t\u011bn\u00ed bez nutnosti dokl\u00e1dat zdravotn\u00ed stav u vybran\u00fdch poji\u0161\u0165oven. Uv\u00e1d\u00edme <strong>maxim\u00e1ln\u00ed pojistn\u00e9 \u010d\u00e1stky<\/strong>, kter\u00e9 je mo\u017en\u00e9 v tomto re\u017eimu sjednat.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Allianz<\/strong><\/td><td><strong>\u010cSOB<\/strong><\/td><td><strong>UNIQA<\/strong><\/td><\/tr><tr><td>Smrt n\u00e1sledkem nemoci a \u00farazu<\/td><td>10 000 K\u010d<\/td><td>1 000 K\u010d<\/td><td>50 000 K\u010d<\/td><\/tr><tr><td>Smrt n\u00e1sledkem \u00farazu<\/td><td>4 000 000 K\u010d<\/td><td>750 000 K\u010d<\/td><td>2 000 000 K\u010d<\/td><\/tr><tr><td>Trval\u00e9 n\u00e1sledky \u00farazu<\/td><td>4 000 000 K\u010d (pouze nejz\u00e1va\u017en\u011bj\u0161\u00ed)<\/td><td>750 000 K\u010d<\/td><td>200 000 K\u010d<\/td><\/tr><tr><td>Hospitalizace n\u00e1sledkem nemoci a \u00farazu<\/td><td>&#8211;<\/td><td>300 K\u010d\/den<\/td><td>200 K\u010d\/den<\/td><\/tr><tr><td>Hospitalizace n\u00e1sledkem \u00farazu<\/td><td>2000 K\u010d<\/td><td>300 K\u010d\/den<\/td><td>&#8211;<\/td><\/tr><tr><td>Denn\u00ed od\u0161kodn\u00e9 za \u00faraz<\/td><td>300 K\u010d\/den (bez dolo\u017een\u00ed p\u0159\u00edjmu)<\/td><td>300 K\u010d<\/td><td>200 K\u010d<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"514\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/08\/front-view-doctor-writing-prescription-1-1.jpg\" alt=\"poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu\" class=\"wp-image-3531\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/08\/front-view-doctor-writing-prescription-1-1.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/08\/front-view-doctor-writing-prescription-1-1-300x154.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/08\/front-view-doctor-writing-prescription-1-1-768x395.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/08\/front-view-doctor-writing-prescription-1-1-100x51.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/08\/front-view-doctor-writing-prescription-1-1-700x360.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jaka-je-cena-pojisteni-bez-zkoumani-zdravotniho-stavu\">Jak\u00e1 je cena poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu?<\/h2>\n\n\n\n<p><strong>Poji\u0161t\u011bn\u00ed \u00farazu<\/strong> je <strong>obecn\u011b levn\u011bj\u0161\u00ed <\/strong>ne\u017e komplexn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. U variant poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu je<strong> d\u00edky ni\u017e\u0161\u00edm pojistn\u00fdm \u010d\u00e1stk\u00e1m cena je\u0161t\u011b ni\u017e\u0161\u00ed<\/strong>. B\u011b\u017en\u011b tak za <strong>300-500 K\u010d m\u011bs\u00ed\u010dn\u011b<\/strong> m\u016f\u017eete z\u00edskat kvalitn\u00ed ochranu, od kter\u00e9 v\u00e1s d\u011bl\u00ed jen p\u00e1r kliknut\u00ed. Srovnejte si nab\u00eddky \u017eivotn\u00edho a \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed na <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a> a klidn\u011b se pojist\u011bte u\u017e dnes. Sta\u010d\u00ed jen kliknout!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size aligncenter\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/app.rixo.cz\/pojisteni-zivota\/zadost-zivot\/zakladni-udaje-zivot\" style=\"background-color:#605db5\" target=\"_blank\" rel=\"noopener\">Srovnat \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed bez zkoum\u00e1n\u00ed zdravotn\u00edho stavu m\u016f\u017ee b\u00fdt \u0159e\u0161en\u00edm, kdy\u017e m\u00e1te z\u00e1jem o sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, ale nechce se v\u00e1m dokl\u00e1dat v\u00e1\u0161 zdravotn\u00ed stav l\u00e9ka\u0159sk\u00fdmi zpr\u00e1vami. Jak funguje?<\/p>\n","protected":false},"author":11,"featured_media":3532,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7],"tags":[30],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3529"}],"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=3529"}],"version-history":[{"count":8,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3529\/revisions"}],"predecessor-version":[{"id":3612,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3529\/revisions\/3612"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3532"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3529"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3529"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3529"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}