{"id":4034,"date":"2026-04-30T09:51:11","date_gmt":"2026-04-30T07:51:11","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4034"},"modified":"2026-04-30T09:51:12","modified_gmt":"2026-04-30T07:51:12","slug":"pojistna-udalost-zivotni-pojisteni-nahlasit","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojistna-udalost-zivotni-pojisteni-nahlasit\/","title":{"rendered":"Pojistn\u00e1 ud\u00e1lost v \u017eivotn\u00edm a \u00farazov\u00e9m poji\u0161t\u011bn\u00ed: Jak a kam ji nahl\u00e1sit?"},"content":{"rendered":"\n<p>Nahl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti v \u017eivotn\u00edm nebo \u00farazov\u00e9m poji\u0161t\u011bn\u00ed je moment, na kter\u00fd se nikdo net\u011b\u0161\u00ed, ale pr\u00e1v\u011b v tuto chv\u00edli za\u010d\u00edn\u00e1 va\u0161e smlouva plnit svou zam\u00fd\u0161lenou funkci. Pr\u00e1v\u011b tehdy p\u0159ich\u00e1z\u00ed ot\u00e1zky: Jak p\u0159esn\u011b postupovat a kam pojistnou ud\u00e1lost nahl\u00e1sit? P\u0159ehled krok\u016f najdete v na\u0161em \u010dl\u00e1nku.&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=\"#co-je-pojistna-udalost-v-zivotnim-pojisteni\">Co je pojistn\u00e1 ud\u00e1lost v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed?\u00a0<\/a><\/li><li class=\"\"><a href=\"#kdy-vznika-narok-na-plneni\">Kdy vznik\u00e1 n\u00e1rok na pln\u011bn\u00ed?<\/a><\/li><li class=\"\"><a href=\"#jak-nahlasit-pojistnou-udalost-v-zivotnim-a-urazovem-pojisteni\">Jak nahl\u00e1sit pojistnou ud\u00e1lost v \u017eivotn\u00edm a \u00farazov\u00e9m poji\u0161t\u011bn\u00ed?<\/a><ul><li class=\"\"><a href=\"#kdy-pojistnou-udalost-nahlasit\">Kdy pojistnou ud\u00e1lost nahl\u00e1sit?<\/a><\/li><li class=\"\"><a href=\"#kam-pojistnou-udalost-nahlasit-a-jake-mate-moznosti\">Kam pojistnou ud\u00e1lost nahl\u00e1sit a jak\u00e9 m\u00e1te mo\u017enosti?<\/a><\/li><li class=\"\"><a href=\"#kdo-ma-hlasit-pojistnou-udalost-v-zivotnim-a-urazovem-pojisteni\">Kdo m\u00e1 hl\u00e1sit pojistnou ud\u00e1lost v \u017eivotn\u00edm a \u00farazov\u00e9m poji\u0161t\u011bn\u00ed?<\/a><\/li><li class=\"\"><a href=\"#jak-dlouho-trva-vyrizeni-pojistne-udalosti\">Jak dlouho trv\u00e1 vy\u0159\u00edzen\u00ed pojistn\u00e9 ud\u00e1losti?<\/a><\/li><li class=\"\"><a href=\"#jake-dokumenty-jsou-potreba-pro-hlaseni-pojistne-udalosti\">Jak\u00e9 dokumenty jsou pot\u0159eba pro hl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti?<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#jak-probiha-hlaseni-pojistne-udalosti-v-praxi\">Jak prob\u00edh\u00e1 hl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti v praxi?<\/a><\/li><li class=\"\"><a href=\"#nejcastejsi-chyby-pri-hlaseni-pojistne-udalosti\">Nej\u010dast\u011bj\u0161\u00ed chyby p\u0159i hl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti<\/a><\/li><li class=\"\"><a href=\"#caste-otazky-a-odpovedi\">\u010cast\u00e9 ot\u00e1zky a odpov\u011bdi<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Dobr\u00e1 zpr\u00e1va na za\u010d\u00e1tek: hl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti v<a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\"> \u017eivotn\u00edm a \u00farazov\u00e9m poji\u0161t\u011bn\u00ed<\/a> je dnes u\u017e mo\u017en\u00e9 vy\u0159e\u0161it online a pom\u011brn\u011b rychle. Z\u00e1kladn\u00ed pravidla jsou nav\u00edc pom\u011brn\u011b jednoduch\u00e1 a u v\u011bt\u0161iny poji\u0161\u0165oven tak\u0159ka toto\u017en\u00e1. Nebudeme ale lh\u00e1t, budete si muset zajistit p\u00e1r po\u017eadovan\u00fdch dokument\u016f a v n\u011bjak\u00fdch p\u0159\u00edpadech i raz\u00edtka \u00fa\u0159ad\u016f.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-je-pojistna-udalost-v-zivotnim-pojisteni\">Co je pojistn\u00e1 ud\u00e1lost v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed?&nbsp;<\/h2>\n\n\n\n<p>Pojistn\u00e1 ud\u00e1lost je konkr\u00e9tn\u00ed situace definovan\u00e1 v pojistn\u00e9 smlouv\u011b, p\u0159i kter\u00e9 v\u00e1m jako poji\u0161t\u011bn\u00e9mu (p\u0159\u00edpadn\u011b obmy\u0161len\u00e9mu) vznik\u00e1 <strong>n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed<\/strong>. V rizikov\u00e9m \u017eivotn\u00edm a \u00farazov\u00e9m poji\u0161t\u011bn\u00ed m\u016f\u017ee j\u00edt o <strong>\u00faraz, nemoc, pracovn\u00ed neschopnost, hospitalizaci, trval\u00e9 n\u00e1sledky \u00farazu nebo \u00famrt\u00ed<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kdy-vznika-narok-na-plneni\">Kdy vznik\u00e1 n\u00e1rok na pln\u011bn\u00ed?<\/h2>\n\n\n\n<p>Z\u00e1sadn\u00ed je, \u017ee ne ka\u017ed\u00e1 zdravotn\u00ed komplikace automaticky znamen\u00e1 n\u00e1rok na pln\u011bn\u00ed. Rozhoduj\u00edc\u00ed je toti\u017e v\u017edy to, zda dan\u00e1 situace<strong> odpov\u00edd\u00e1 pojistn\u00fdm podm\u00ednk\u00e1m <\/strong>va\u0161eho poji\u0161t\u011bn\u00ed a<strong> nen\u00ed nap\u0159\u00edklad vylou\u010dena z kryt\u00ed<\/strong>.<strong> <\/strong>Jin\u00fdmi slovy, kl\u00ed\u010dem k \u00fasp\u011b\u0161n\u00e9 v\u00fdplat\u011b pln\u011bn\u00ed z pojistn\u00e9 smlouvy je jej\u00ed obsah a fakt, zda se do vymezen\u00ed ur\u010dit\u00e9 p\u0159edpokl\u00e1dan\u00e9 pojistn\u00e9 ud\u00e1losti takzvan\u011b \u201cvejdete\u201d.<\/p>\n\n\n\n<p>Co z toho vypl\u00fdv\u00e1 pro v\u00e1s? Je\u0161t\u011b p\u0159ed samotn\u00fdm hl\u00e1\u0161en\u00edm se vyplat\u00ed ov\u011b\u0159it, zda konkr\u00e9tn\u00ed ud\u00e1lost spad\u00e1 do pojistn\u00e9 ochrany ve va\u0161\u00ed smlouv\u011b. T\u00edm p\u0159edejdete zbyte\u010dn\u00e9mu zklam\u00e1n\u00ed nebo nedorozum\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-nahlasit-pojistnou-udalost-v-zivotnim-a-urazovem-pojisteni\">Jak nahl\u00e1sit pojistnou ud\u00e1lost v \u017eivotn\u00edm a \u00farazov\u00e9m poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p>Pojistnou ud\u00e1lost nahl\u00e1s\u00edte sv\u00e9 poji\u0161\u0165ovn\u011b pohodln\u011b<strong> online<\/strong> p\u0159es formul\u00e1\u0159 na jej\u00edm webu nebo v klientsk\u00e9 z\u00f3n\u011b. Vypln\u00edte po\u017eadovan\u00e9 informace <strong>o sob\u011b a o samotn\u00e9 ud\u00e1losti<\/strong>, <strong>p\u0159ilo\u017e\u00edte souvisej\u00edc\u00ed l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy <\/strong>a ode\u0161lete. Poji\u0161\u0165ovna n\u00e1sledn\u011b zah\u00e1j\u00ed likvidaci a m\u016f\u017ee si vy\u017e\u00e1dat dopln\u011bn\u00ed dokumentace. Pod\u00edv\u00e1me se na to do detailu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kdy-pojistnou-udalost-nahlasit\">Kdy pojistnou ud\u00e1lost nahl\u00e1sit?<\/h3>\n\n\n\n<p>Obecn\u011b plat\u00ed, \u017ee pojistnou ud\u00e1lost byste m\u011bli nahl\u00e1sit <strong>bez zbyte\u010dn\u00e9ho odkladu<\/strong>. Pokud pojistn\u00e9 pln\u011bn\u00ed nepot\u0159ebujete hned nebo na existenci pojistky na chv\u00edli zapomenete, nic se ned\u011bje &#8211; pojistn\u00e9 ud\u00e1losti mohou b\u00fdt hl\u00e1\u0161eny i zp\u011btn\u011b, a to dle konkr\u00e9tn\u00edch pojistn\u00fdch podm\u00ednek zpravidla <strong>do 3 let od ukon\u010den\u00ed l\u00e9\u010dby<\/strong>. D\u016fle\u017eit\u00e9 ale je, \u017ee odklad by nikdy nem\u011bl b\u00fdt zbyte\u010dn\u00fd. \u010c\u00edm del\u0161\u00ed \u010das od ud\u00e1losti uplyne, t\u00edm slo\u017eit\u011bj\u0161\u00ed m\u016f\u017ee b\u00fdt jej\u00ed dolo\u017een\u00ed.<\/p>\n\n\n\n<p>Speci\u00e1ln\u00edm p\u0159\u00edpadem je hl\u00e1\u0161en\u00ed \u00farazu poji\u0161\u0165ovn\u011b, pokud chcete \u010derpat pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed <a href=\"https:\/\/www.rixo.cz\/blog\/trvale-nasledky-urazu-a-narok-na-plneni\/\">trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/a>. U nich se toti\u017e zpravidla \u010dek\u00e1 na ukon\u010den\u00ed l\u00e9\u010dby a ust\u00e1len\u00ed stavu 1 rok. Mnoh\u00e9 n\u00e1sledky \u00farazu toti\u017e mohou b\u00fdt \u010dasem d\u00edky rehabilitaci nebo postupn\u00e9mu zhojen\u00ed m\u00edrn\u011bj\u0161\u00ed, ne\u017e jak se \u010derstv\u011b po nehod\u011b jev\u00ed. Na ust\u00e1len\u00ed stavu se samoz\u0159ejm\u011b ne\u010dek\u00e1 v p\u0159\u00edpad\u011b, kdy je jasn\u00e9, \u017ee stav je nezvratn\u00fd &#8211; jednat se m\u016f\u017ee nap\u0159\u00edklad o amputaci prstu.<\/p>\n\n\n\n<p><strong>Kdy m\u016f\u017eete nahl\u00e1sit pojistnou ud\u00e1lost podle typu poji\u0161t\u011bn\u00ed?<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u00damrt\u00ed<\/td><td class=\"has-text-align-left\" data-align=\"left\">Po obdr\u017een\u00ed \u00famrtn\u00edho listu<\/td><\/tr><tr><td>Invalidita<\/td><td class=\"has-text-align-left\" data-align=\"left\">Po vystaven\u00ed Rozhodnut\u00ed \u010cSSZ o p\u0159izn\u00e1n\u00ed invalidn\u00edho d\u016fchodu<\/td><\/tr><tr><td>Z\u00e1va\u017en\u00e1 nemoc<\/td><td class=\"has-text-align-left\" data-align=\"left\">Po stanoven\u00ed definitivn\u00ed diagn\u00f3zy onemocn\u011bn\u00ed l\u00e9ka\u0159em &#8211; specialistou<\/td><\/tr><tr><td>Pracovn\u00ed neschopnost<\/td><td class=\"has-text-align-left\" data-align=\"left\">Po uplynut\u00ed \u010dekac\u00ed doby od vystaven\u00e9ho potvrzen\u00ed o PN (po 15, 29 nebo 59 dnech dle smlouvy)<\/td><\/tr><tr><td>Trval\u00e9 n\u00e1sledky \u00farazu<\/td><td class=\"has-text-align-left\" data-align=\"left\">Po 1 roce, u o\u010dividn\u011b nezvratn\u00fdch okam\u017eit\u011b<\/td><\/tr><tr><td>Denn\u00ed od\u0161kodn\u00e9 za dobu l\u00e9\u010den\u00ed<\/td><td class=\"has-text-align-left\" data-align=\"left\">Zpravidla po ukon\u010den\u00ed l\u00e9\u010dby<\/td><\/tr><tr><td>Hospitalizace<\/td><td class=\"has-text-align-left\" data-align=\"left\">Po ukon\u010den\u00ed hospitalizace<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kam-pojistnou-udalost-nahlasit-a-jake-mate-moznosti\">Kam pojistnou ud\u00e1lost nahl\u00e1sit a jak\u00e9 m\u00e1te mo\u017enosti?<\/h3>\n\n\n\n<p>Pojistnou ud\u00e1lost v\u017edy hl\u00e1s\u00edte konkr\u00e9tn\u00ed poji\u0161\u0165ovn\u011b, u kter\u00e9 m\u00e1te sjednanou smlouvu.&nbsp;<\/p>\n\n\n\n<p>Dominantn\u00ed roli dnes hraje hl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti pomoc\u00ed online formul\u00e1\u0159\u016f, kde je v\u00fdhodou rychlost, p\u0159ehlednost a mo\u017enost okam\u017eit\u011b p\u0159ilo\u017eit pot\u0159ebn\u00e9 dokumenty.&nbsp;<\/p>\n\n\n\n<p>St\u00e1le ale m\u016f\u017eete nahl\u00e1sit ud\u00e1lost telefonicky, v n\u011bkter\u00fdch p\u0159\u00edpadech i e-mailem nebo na pobo\u010dce poji\u0161\u0165ovny &#8211; konkr\u00e9tn\u00ed mo\u017enosti poji\u0161\u0165oven se dozv\u00edte na webov\u00fdch str\u00e1nk\u00e1ch s formul\u00e1\u0159em.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Poji\u0161\u0165ovna<\/strong><\/td><td><strong>Online hl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti<\/strong><\/td><\/tr><tr><td>Allianz<\/td><td><a href=\"https:\/\/www.allianz.cz\/cs_CZ\/pojisteni\/sluzby-a-hlaseni-skody\/oznamit-novou-udalost\/zivot.html#nahlasit\" target=\"_blank\" rel=\"noopener\">Webov\u00fd formul\u00e1\u0159<\/a><\/td><\/tr><tr><td>\u010cPP<\/td><td><a href=\"https:\/\/insure.cpp.cz\/hlasenky-web\/faces\/vstup_info.xhtml\" target=\"_blank\" rel=\"noopener\">Webov\u00fd formul\u00e1\u0159<\/a><\/td><\/tr><tr><td>\u010cSOB Poji\u0161\u0165ovna<\/td><td><a href=\"https:\/\/www.csobpoj.cz\/oznameni-pojistne-udalosti-zivotni-a-urazove-pojisteni\/zivotni-pojisteni\" target=\"_blank\" rel=\"noopener\">Webov\u00fd formul\u00e1\u0159<\/a><\/td><\/tr><tr><td>Generali \u010cesk\u00e1 poji\u0161\u0165ovna<\/td><td><a href=\"https:\/\/hlaseni.generaliceska.cz\/\" target=\"_blank\" rel=\"noopener\">Webov\u00fd formul\u00e1\u0159<\/a><\/td><\/tr><tr><td>Komer\u010dn\u00ed poji\u0161\u0165ovna<\/td><td><a href=\"https:\/\/www.kbpojistovna.cz\/cs\/hlaseni-skody\/pojisteni-osob\" target=\"_blank\" rel=\"noopener\">Webov\u00fd formul\u00e1\u0159<\/a><\/td><\/tr><tr><td>Kooperativa<\/td><td><a href=\"https:\/\/insure.koop.cz\/hlaseni-skody\/vstup-info.xhtml\" target=\"_blank\" rel=\"noopener\">Webov\u00fd formul\u00e1\u0159<\/a><\/td><\/tr><tr><td>Maxima poji\u0161\u0165ovna<\/td><td><a href=\"https:\/\/www.maximapojistovna.cz\/onlinehlaseni\/\" target=\"_blank\" rel=\"noopener\">Webov\u00fd formul\u00e1\u0159<\/a><\/td><\/tr><tr><td>MetLife<\/td><td><a href=\"https:\/\/www.mujmetlife.cz\/kz\/pojistne-hlaseni\/nove\" target=\"_blank\" rel=\"noopener\">Webov\u00fd formul\u00e1\u0159<\/a><\/td><\/tr><tr><td>NN \u017eivotn\u00ed poji\u0161\u0165ovna<\/td><td><a href=\"https:\/\/epodatelna.nn.cz\/life\/claims\" target=\"_blank\" rel=\"noopener\">Webov\u00fd formul\u00e1\u0159<\/a><\/td><\/tr><tr><td>Pillow (\u00daraz a nemoc)<\/td><td><a href=\"https:\/\/www.pillow.cz\/kontakty\/\" target=\"_blank\" rel=\"noopener\">Web (kontakty na telefonick\u00e9 hl\u00e1\u0161en\u00ed \u0161kody)<\/a><\/td><\/tr><tr><td>Simplea<\/td><td><a href=\"https:\/\/www.simplea.cz\/nahlaseni-pojistne-udalosti\" target=\"_blank\" rel=\"noopener\">Webov\u00fd formul\u00e1\u0159<\/a><\/td><\/tr><tr><td>UNIQA<\/td><td><a href=\"https:\/\/skody2.uniqa.cz\/hlaseni\/\" target=\"_blank\" rel=\"noopener\">Webov\u00fd formul\u00e1\u0159<\/a><\/td><\/tr><tr><td>YouPlus \u017eivotn\u00ed poji\u0161\u0165ovna<\/td><td><a href=\"https:\/\/youplus.cz\/skodni-udalosti\/\" target=\"_blank\" rel=\"noopener\">Webov\u00fd formul\u00e1\u0159<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kdo-ma-hlasit-pojistnou-udalost-v-zivotnim-a-urazovem-pojisteni\">Kdo m\u00e1 hl\u00e1sit pojistnou ud\u00e1lost v \u017eivotn\u00edm a \u00farazov\u00e9m poji\u0161t\u011bn\u00ed?<\/h3>\n\n\n\n<p>Pojistnou ud\u00e1lost hl\u00e1s\u00ed<strong> poji\u0161t\u011bn\u00e1 osoba<\/strong>, nebo p\u0159\u00edpadn\u011b<strong> obmy\u0161len\u00e1 osoba<\/strong> v p\u0159\u00edpad\u011b smrti poji\u0161t\u011bn\u00e9ho. Pokud se jedn\u00e1 o pojistnou ud\u00e1lost v r\u00e1mci poji\u0161t\u011bn\u00ed d\u00edt\u011bte, pojistnou ud\u00e1lost hl\u00e1s\u00ed jeho <strong>z\u00e1konn\u00fd z\u00e1stupce<\/strong> (tedy nej\u010dast\u011bji rodi\u010d).&nbsp;<\/p>\n\n\n\n<p>Obecn\u011b je tak\u00e9 mo\u017en\u00e9 nechat se v r\u00e1mci \u0159e\u0161en\u00ed pojistn\u00e9 ud\u00e1losti zastoupit jinou osobou za p\u0159edpokladu ud\u011blen\u00ed <strong>pln\u00e9 moci<\/strong>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jak-dlouho-trva-vyrizeni-pojistne-udalosti\">Jak dlouho trv\u00e1 vy\u0159\u00edzen\u00ed pojistn\u00e9 ud\u00e1losti?<\/h3>\n\n\n\n<p>Doba vy\u0159\u00edzen\u00ed pojistn\u00e9 ud\u00e1losti se li\u0161\u00ed p\u0159\u00edpad od p\u0159\u00edpadu, maxim\u00e1ln\u00ed doba trv\u00e1n\u00ed vy\u0159izov\u00e1n\u00ed pojistn\u00e9 ud\u00e1losti ale ze z\u00e1kona \u010din\u00ed <strong>3 m\u011bs\u00edce<\/strong>. \u010casto se v r\u00e1mci ni\u017e\u0161\u00edch n\u00e1rok\u016f \u0161et\u0159en\u00ed uzav\u0159e do p\u00e1r dn\u016f a rovnou je v\u00e1m vyplaceno i pojistn\u00e9 pln\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jake-dokumenty-jsou-potreba-pro-hlaseni-pojistne-udalosti\">Jak\u00e9 dokumenty jsou pot\u0159eba pro hl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti?<\/h3>\n\n\n\n<p>Bez zdravotn\u00ed dokumentace se neobejdete, bez nich toti\u017e nedok\u00e1\u017ee poji\u0161\u0165ovna n\u00e1rok objektivn\u011b posoudit. Z\u00e1klad tvo\u0159\u00ed l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy od prvn\u00edho o\u0161et\u0159en\u00ed a\u017e po ukon\u010den\u00ed l\u00e9\u010dby a dopl\u0148uje je i \u0159ada rozli\u010dn\u00fdch dokument\u016f podle toho, k jak\u00e9 pojistn\u00e9 ud\u00e1losti do\u0161lo. M\u016f\u017ee j\u00edt nap\u0159\u00edklad o<strong> protokol o pracovn\u00edm \u00farazu, policejn\u00ed protokol <\/strong>v p\u0159\u00edpad\u011b napaden\u00ed atd.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"563\" 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\/2026\/04\/young-man-with-broken-leg-home-using-smartphone-1-2-edited.jpg\" alt=\"jak nahl\u00e1sit : pojistn\u00e1 ud\u00e1lost \u017eivotn\u00ed \u00farazov\u00e9 poji\u0161t\u011bn\u00ed\" class=\"wp-image-4038\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/young-man-with-broken-leg-home-using-smartphone-1-2-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/young-man-with-broken-leg-home-using-smartphone-1-2-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/young-man-with-broken-leg-home-using-smartphone-1-2-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/young-man-with-broken-leg-home-using-smartphone-1-2-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/04\/young-man-with-broken-leg-home-using-smartphone-1-2-edited-700x394.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p><strong>Jak\u00e9 dokumenty poji\u0161\u0165ovna vy\u017eaduje?<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u00damrt\u00ed<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">\u00damrtn\u00ed list<br>L\u00e9ka\u0159sk\u00e1 zpr\u00e1va o p\u0159\u00ed\u010din\u011b \u00famrt\u00ed<\/td><\/tr><tr><td><strong>Invalidita<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Rozhodnut\u00ed \u010cSSZ o p\u0159izn\u00e1n\u00ed invalidn\u00edho d\u016fchodu<br>Z\u00e1znam OSSZ o jedn\u00e1n\u00ed k posouzen\u00ed zdravotn\u00edho stavu<br>Posudek o invalidit\u011b vystaven\u00fd p\u0159\u00edslu\u0161nou SSZ<\/td><\/tr><tr><td><strong>Z\u00e1va\u017en\u00e1 nemoc<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Zdravotn\u00ed dokumentace z prvn\u00edho a n\u00e1sledn\u00fdch l\u00e9ka\u0159sk\u00fdch vy\u0161et\u0159en\u00ed v\u010detn\u011b z\u00e1v\u011br\u016f ze specializovan\u00fdch vy\u0161et\u0159en\u00ed<\/td><\/tr><tr><td><strong>Pracovn\u00ed neschopnost<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">L\u00e9ka\u0159sk\u00e9 zpr\u00e1vy z o\u0161et\u0159en\u00ed\/vy\u0161et\u0159en\u00ed nemoci \u010di \u00farazu<br>Rozhodnut\u00ed o do\u010dasn\u00e9 pracovn\u00ed neschopnosti; rozhodnut\u00ed o trv\u00e1n\u00ed PN<br><\/td><\/tr><tr><td><strong>Trval\u00e9 n\u00e1sledky \u00farazu<br>Denn\u00ed od\u0161kodn\u00e9 za \u00faraz<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">L\u00e9ka\u0159sk\u00e9 zpr\u00e1vy z prvn\u00edho o\u0161et\u0159en\u00ed a p\u0159\u00edpadn\u00e9ho dal\u0161\u00edho l\u00e9\u010den\u00ed, p\u0159\u00edp. hospitalizace a v\u00fdsledk\u016f vy\u0161et\u0159en\u00ed<\/td><\/tr><tr><td><strong>Hospitalizace<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">L\u00e9ka\u0159sk\u00fd z\u00e1znam z p\u0159\u00edjmu<br>Propou\u0161t\u011bc\u00ed zpr\u00e1va (p\u0159\u00edpadn\u011b prozat\u00edmn\u00ed zpr\u00e1va o hospitalizaci)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-probiha-hlaseni-pojistne-udalosti-v-praxi\">Jak prob\u00edh\u00e1 hl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti v praxi?<\/h2>\n\n\n\n<ul>\n<li>Pojistnou ud\u00e1lost je vhodn\u00e9 nahl\u00e1sit <strong>bez zbyte\u010dn\u00e9ho odkladu<\/strong>. Na za\u010d\u00e1tku stoj\u00ed shrom\u00e1\u017ed\u011bn\u00ed z\u00e1kladn\u00edch informac\u00ed. Pat\u0159\u00ed sem identifikace pojistn\u00e9 smlouvy, osobn\u00ed \u00fadaje a popis ud\u00e1losti \u2013 tedy kdy, kde a jak k n\u00ed do\u0161lo. P\u0159esnost t\u011bchto informac\u00ed je z\u00e1sadn\u00ed, proto\u017ee tvo\u0159\u00ed z\u00e1klad pro posouzen\u00ed n\u00e1roku.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>N\u00e1sleduje samotn\u00e9 vypln\u011bn\u00ed formul\u00e1\u0159e a<strong> co nejp\u0159esn\u011bj\u0161\u00ed vypln\u011bn\u00ed ot\u00e1zek<\/strong>. V n\u011bkter\u00fdch situac\u00edch je sou\u010d\u00e1st\u00ed i \u010d\u00e1st, kterou vypl\u0148uje l\u00e9ka\u0159.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Kl\u00ed\u010dov\u00fdm momentem je <strong>dolo\u017een\u00ed dokumentace<\/strong>. Jde o l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy, kter\u00e9 potvrzuj\u00ed vznik a pr\u016fb\u011bh zdravotn\u00edho probl\u00e9mu &#8211; rozhodn\u011b si je vy\u017e\u00e1dejte od nav\u0161t\u00edven\u00fdch l\u00e9ka\u0159\u016f a dob\u0159e uschovejte. Bez l\u00e9ka\u0159sk\u00e9 dokumentace nelze pojistnou ud\u00e1lost \u00fasp\u011b\u0161n\u011b uplatnit.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Po<strong> odesl\u00e1n\u00ed hl\u00e1\u0161en\u00ed<\/strong> za\u010d\u00edn\u00e1 proces likvidace. Poji\u0161\u0165ovna vyhodnocuje, zda ud\u00e1lost odpov\u00edd\u00e1 pojistn\u00fdm podm\u00ednk\u00e1m, a stanovuje v\u00fd\u0161i pln\u011bn\u00ed. Pokud n\u011bco chyb\u00ed, vyzve v\u00e1s k dopln\u011bn\u00ed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"nejcastejsi-chyby-pri-hlaseni-pojistne-udalosti\">Nej\u010dast\u011bj\u0161\u00ed chyby p\u0159i hl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti<\/h2>\n\n\n\n<p>P\u0159esto\u017ee je proces hl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti relativn\u011b p\u0159\u00edmo\u010dar\u00fd, v praxi se opakuj\u00ed ur\u010dit\u00e9 chyby, kter\u00e9 mohou v\u00e9st ke zdr\u017een\u00ed nebo dokonce k zam\u00edtnut\u00ed n\u00e1roku.<\/p>\n\n\n\n<ul>\n<li>Jednou z \u010dast\u00fdch a zbyte\u010dn\u00fdch chyb je <strong>pozdn\u00ed <\/strong>nahl\u00e1\u0161en\u00ed ud\u00e1losti ve spojen\u00ed s <strong>ne\u00faplnou <\/strong>zdravotn\u00ed dokumentac\u00ed. Pokud chyb\u00ed kl\u00ed\u010dov\u00e9 l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy, poji\u0161\u0165ovna nem\u00e1 na z\u00e1klad\u011b \u010deho rozhodnout a stav, kter\u00fd u\u017e d\u00e1vno pominul, se dokazuje t\u011b\u017eko.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Hl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti, typicky men\u0161\u00edho \u00farazu, se kter\u00fdm jste <strong>ne\u0161li k l\u00e9ka\u0159i<\/strong>, m\u016f\u017eete zcela p\u0159esko\u010dit. Jak u\u017e jsme nast\u00ednili, bez zdravotn\u00ed dokumentace to nep\u016fjde, p\u0159ilo\u017een\u00e1 fotka s poran\u011bn\u00edm nesta\u010d\u00ed.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Specifick\u00fdm probl\u00e9mem je tak\u00e9 <strong>nesoulad mezi va\u0161\u00edm popisem ud\u00e1losti a l\u00e9ka\u0159skou dokumentac\u00ed<\/strong>. Nep\u0159esnosti mohou v\u00e9st k dopl\u0148uj\u00edc\u00edm dotaz\u016fm a prodlou\u017een\u00ed cel\u00e9ho procesu.<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>Samostatnou a z\u00e1va\u017enou komplikac\u00ed je tak\u00e9 nesoulad l\u00e9ka\u0159sk\u00e9 dokumentace s v\u00e1mi d\u0159\u00edve <strong>vypl\u0148ovan\u00fdm zdravotn\u00edm dotazn\u00edkem<\/strong>. V\u00fdznamn\u00e9 zkreslen\u00ed \u00fadaj\u016f ve zdravotn\u00edm dotazn\u00edku v\u016f\u010di realit\u011b (zaml\u010den\u00ed d\u0159\u00edv\u011bj\u0161\u00ed operace, l\u00e9\u010dby apod.) je d\u016fvodem k okam\u017eit\u00e9mu odm\u00edtnut\u00ed pln\u011bn\u00ed.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Pokud si nejste jist\u00ed, jak postupovat, vyplat\u00ed se obr\u00e1tit na odborn\u00edka a nechat si poradit s va\u0161\u00ed konkr\u00e9tn\u00ed smlouvou a situac\u00ed. Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 toti\u017e sv\u00e1 specifika, kter\u00e1 mohou rozhodnout o v\u00fdsledku. Napi\u0161te n\u00e1m, nechte si s n\u00e1mi smlouvu zkontrolovat nebo si nab\u00eddky poji\u0161t\u011bn\u00ed srovnejte a pobavte se se specialistou!&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/kontrola-pojistnych-smluv\/\" style=\"background-color:#28b419\">Zkontrolovat smlouvu<\/a><\/div>\n<\/div>\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\n\n\n<h2 class=\"wp-block-heading\" id=\"caste-otazky-a-odpovedi\">\u010cast\u00e9 ot\u00e1zky a odpov\u011bdi<\/h2>\n\n\n\n<p><strong>Jak nahl\u00e1sit pojistnou ud\u00e1lost?<\/strong><strong><br><\/strong>Pojistnou ud\u00e1lost nahl\u00e1s\u00edte sv\u00e9 poji\u0161\u0165ovn\u011b online p\u0159es formul\u00e1\u0159 na jej\u00edm webu nebo v klientsk\u00e9 z\u00f3n\u011b. Vypln\u00edte z\u00e1kladn\u00ed informace o ud\u00e1losti, p\u0159ilo\u017e\u00edte dokumentaci a ode\u0161lete.<\/p>\n\n\n\n<p><strong>Kam nahl\u00e1sit pojistnou ud\u00e1lost?<\/strong><strong><br><\/strong>Pojistnou ud\u00e1lost hl\u00e1s\u00edte v\u017edy poji\u0161\u0165ovn\u011b, u kter\u00e9 m\u00e1te sjednan\u00e9 poji\u0161t\u011bn\u00ed, a to i v p\u0159\u00edpad\u011b, \u017ee m\u00e1te poji\u0161t\u011bn\u00ed sjednan\u00e9 p\u0159es banku.&nbsp;<\/p>\n\n\n\n<p><strong>Jak dlouho m\u00e1m na nahl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti?<\/strong><strong><br><\/strong>Pojistnou ud\u00e1lost je vhodn\u00e9 nahl\u00e1sit bez zbyte\u010dn\u00e9ho odkladu. V praxi ji lze ozn\u00e1mit i zp\u011btn\u011b, obvykle v \u0159\u00e1du n\u011bkolika let podle pojistn\u00fdch podm\u00ednek konkr\u00e9tn\u00ed smlouvy.<\/p>\n\n\n\n<p><strong>Co kdy\u017e nem\u00e1m l\u00e9ka\u0159skou zpr\u00e1vu?<\/strong><strong><br><\/strong>Bez l\u00e9ka\u0159sk\u00e9 dokumentace je ozn\u00e1men\u00ed ud\u00e1losti poji\u0161\u0165ovn\u011b bezv\u00fdsledn\u00e9. Pokud jste \u00faraz nebo zdravotn\u00ed probl\u00e9m ne\u0159e\u0161ili s l\u00e9ka\u0159em nebo nen\u00ed mo\u017en\u00e9 dolo\u017eit l\u00e9\u010dbu dokumentac\u00ed, poji\u0161\u0165ovna v\u00e1m pln\u011bn\u00ed neposkytne.<\/p>\n\n\n\n<p><strong>M\u016f\u017ee pojistnou ud\u00e1lost nahl\u00e1sit n\u011bkdo jin\u00fd?<\/strong><strong><br><\/strong>Ano, pojistnou ud\u00e1lost m\u016f\u017ee nahl\u00e1sit jin\u00e1 osoba na z\u00e1klad\u011b pln\u00e9 moci. V p\u0159\u00edpad\u011b \u00famrt\u00ed poji\u0161t\u011bn\u00e9ho ji hl\u00e1s\u00ed obmy\u0161len\u00e1 osoba, u d\u011bt\u00ed pak z\u00e1konn\u00fd z\u00e1stupce.<\/p>\n\n\n\n<p><strong>Jak dlouho trv\u00e1 vy\u0159\u00edzen\u00ed pojistn\u00e9 ud\u00e1losti?<\/strong><strong><br><\/strong>Vy\u0159\u00edzen\u00ed obvykle trv\u00e1 n\u011bkolik dn\u00ed a\u017e t\u00fddn\u016f podle z\u00e1va\u017enosti p\u0159\u00edpadu a rozsahu dokumentace. Ze z\u00e1kona m\u00e1 poji\u0161\u0165ovna na ukon\u010den\u00ed \u0161et\u0159en\u00ed maxim\u00e1ln\u011b 3 m\u011bs\u00edce.<\/p>\n\n\n\n<p><strong>Kde zjistit \u010d\u00edslo smlouvy u poji\u0161\u0165ovny?<\/strong><\/p>\n\n\n\n<p>Pokud m\u00e1te sv\u00e9 smlouvy nahran\u00e9 v aplikaci RIXO, m\u00e1te \u010d\u00edslo pojistky a celou smlouvu neust\u00e1le u sebe v mobilu. P\u0159\u00edpadn\u011b ji m\u016f\u017eete naj\u00edt v klientsk\u00e9 z\u00f3n\u011b va\u0161\u00ed poji\u0161\u0165ovny \u010di e-mailov\u00e9 schr\u00e1nce.<\/p>\n\n\n\n<p><strong>Co d\u011blat, kdy\u017e poji\u0161\u0165ovna zam\u00edtne pln\u011bn\u00ed?<\/strong><\/p>\n\n\n\n<p>Proti rozhodnut\u00ed poji\u0161\u0165ovny m\u016f\u017eete podat odvol\u00e1n\u00ed a po\u017e\u00e1dat o p\u0159ezkum \u0161et\u0159en\u00ed. Spory klient\u016f s poji\u0161\u0165ovnami ze \u017eivotn\u00edho poji\u0161t\u011bn\u00ed pak mimosoudn\u011b \u0159e\u0161\u00ed finan\u010dn\u00ed arbitr, v\u017edy je mo\u017en\u00e9 obr\u00e1tit se tak\u00e9 na soud.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nahl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti v \u017eivotn\u00edm nebo \u00farazov\u00e9m poji\u0161t\u011bn\u00ed je moment, na kter\u00fd se nikdo net\u011b\u0161\u00ed, ale pr\u00e1v\u011b v tuto chv\u00edli za\u010d\u00edn\u00e1 va\u0161e smlouva plnit svou zam\u00fd\u0161lenou funkci. Jak p\u0159esn\u011b postupovat a kam pojistnou ud\u00e1lost nahl\u00e1sit? <\/p>\n","protected":false},"author":11,"featured_media":4036,"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\/4034"}],"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=4034"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4034\/revisions"}],"predecessor-version":[{"id":4053,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4034\/revisions\/4053"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4036"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4034"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4034"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4034"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}