{"id":4211,"date":"2026-07-13T15:10:17","date_gmt":"2026-07-13T13:10:17","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4211"},"modified":"2026-07-13T15:25:23","modified_gmt":"2026-07-13T13:25:23","slug":"nemoci-prenasene-klistaty-pojisteni","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/nemoci-prenasene-klistaty-pojisteni\/","title":{"rendered":"Nemoci p\u0159en\u00e1\u0161en\u00e9 kl\u00ed\u0161\u0165aty: Jak se p\u0159ed nimi chr\u00e1nit a jak pom\u016f\u017ee poji\u0161t\u011bn\u00ed?"},"content":{"rendered":"\n<p>K l\u00e9tu pat\u0159\u00ed proch\u00e1zky lesem, pikniky a v\u00fdlety do p\u0159\u00edrody &#8211; a s t\u00edm v\u0161\u00edm se poj\u00ed i riziko p\u0159is\u00e1t\u00ed kl\u00ed\u0161t\u011bte. \u010cesko pat\u0159\u00ed mezi evropsk\u00e9 zem\u011b s v\u016fbec nejvy\u0161\u0161\u00edm v\u00fdskytem nemoc\u00ed, kter\u00e9 kl\u00ed\u0161\u0165ata p\u0159en\u00e1\u0161ej\u00ed, a \u010d\u00edsla z posledn\u00edch sez\u00f3n ukazuj\u00ed, \u017ee riziko d\u00e1l roste. Jak\u00e9 nemoci kl\u00ed\u0161t\u011b p\u0159en\u00e1\u0161\u00ed, jak se \u00fa\u010dinn\u011b br\u00e1nit a kdy v\u00e1m v p\u0159\u00edpad\u011b kl\u00ed\u0161\u0165ov\u00e9 nemoci pom\u016f\u017ee poji\u0161t\u011bn\u00ed?<\/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=\"#jak-nebezpecna-jsou-klistata-v-cesku\">Jak nebezpe\u010dn\u00e1 jsou kl\u00ed\u0161\u0165ata v \u010cesku?<\/a><\/li><li class=\"\"><a href=\"#jake-nemoci-klistata-prenaseji\">Jak\u00e9 nemoci kl\u00ed\u0161\u0165ata p\u0159en\u00e1\u0161ej\u00ed?<\/a><\/li><li class=\"\"><a href=\"#jak-se-pred-nakazou-klistaty-chranit\">Jak se p\u0159ed n\u00e1kazou kl\u00ed\u0161\u0165aty chr\u00e1nit?\u00a0<\/a><ul><li class=\"\"><a href=\"#vcasna-prevence\">V\u010dasn\u00e1 prevence<\/a><\/li><li class=\"\"><a href=\"#prvni-kroky-po-prisati-klistete\">Prvn\u00ed kroky po p\u0159is\u00e1t\u00ed kl\u00ed\u0161t\u011bte<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#jak-pomuze-pojisteni-kdyz-propukne-nemoc\">Jak pom\u016f\u017ee poji\u0161t\u011bn\u00ed, kdy\u017e propukne nemoc?<\/a><\/li><li class=\"\"><a href=\"#na-co-si-dat-u-pojisteni-pozor\">Na co si d\u00e1t u poji\u0161t\u011bn\u00ed pozor?\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Kl\u00ed\u0161\u0165ov\u00e1 encefalitida, lymesk\u00e1 boreli\u00f3za, ehrlichi\u00f3za a dal\u0161\u00ed onemocn\u011bn\u00ed p\u0159en\u00e1\u0161en\u00e1 kl\u00ed\u0161\u0165aty rozhodn\u011b nepat\u0159\u00ed mezi infekce, kter\u00e9 vyle\u017e\u00edte za t\u00fdden jako r\u00fdmu. I p\u0159esto\u017ee se p\u0159ed riziky sv\u011bdomit\u011b chr\u00e1n\u00edte, m\u016f\u017ee n\u00e1kaza potkat i v\u00e1s. A hod\u00ed se proto v\u011bd\u011bt, \u017ee p\u0159i l\u00e9\u010den\u00ed kl\u00ed\u0161\u0165ov\u00fdch nemoc\u00ed i s jejich n\u00e1sledky v\u00e1m m\u016f\u017ee &#8211; mo\u017en\u00e1 p\u0159ekvapiv\u011b &#8211; pomoci i \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-nebezpecna-jsou-klistata-v-cesku\">Jak nebezpe\u010dn\u00e1 jsou kl\u00ed\u0161\u0165ata v \u010cesku?<\/h2>\n\n\n\n<p>Podle dat <a href=\"https:\/\/zdravotnictvi-medicina.cz\/klistova-encefalitida-a-lymeska-borrelioza-rok-2025-v-cislech\/\" target=\"_blank\" rel=\"noopener\">St\u00e1tn\u00edho zdravotn\u00edho \u00fastavu<\/a> <strong>skokov\u011b p\u0159ib\u00fdv\u00e1 lid\u00ed<\/strong> naka\u017een\u00fdch prost\u0159ednictv\u00edm kl\u00ed\u0161\u0165at rok od roku, a to dokonce i mimo jejich \u201chlavn\u00ed sez\u00f3nu\u201d. Zat\u00edmco v roce 2024 hygienici zaznamenali 4 029 p\u0159\u00edpad\u016f lymesk\u00e9 boreli\u00f3zy a 680 p\u0159\u00edpad\u016f kl\u00ed\u0161\u0165ov\u00e9 encefalitidy, o rok pozd\u011bji u\u017e evidovali 11 386 p\u0159\u00edpad\u016f n\u00e1kazy borreli\u00ed a 703 lid\u00ed naka\u017een\u00fdch kl\u00ed\u0161\u0165ovou encefalitidou.&nbsp;<\/p>\n\n\n\n<p>A\u010dkoliv je n\u00e1r\u016fst mezi lety 2024 a 2025 zp\u016fsoben z\u010d\u00e1sti i dokonalej\u0161\u00edm reportingem, je jasn\u00e9, \u017ee<strong> trend v\u00fdskytu onemocn\u011bn\u00ed stoup\u00e1<\/strong>. U\u017e za prvn\u00ed t\u0159i m\u011bs\u00edce roku 2026 bylo toti\u017e podle <a href=\"https:\/\/zdravotnictvi-medicina.cz\/klistova-encefalitida-a-lymeska-borrelioza-rok-2025-v-cislech\/\" target=\"_blank\" rel=\"noopener\">dat SZ\u00da<\/a> evidov\u00e1no 414 p\u0159\u00edpad\u016f lymesk\u00e9 boreli\u00f3zy, zat\u00edmco v prvn\u00edm \u010dtvrtlet\u00ed roku 2025 bylo zachyceno \u201cjen\u201d 102 p\u0159\u00edpad\u016f.&nbsp;<\/p>\n\n\n\n<p>A jak moc se n\u00e1kazy skute\u010dn\u011b ob\u00e1vat?<strong> <\/strong><a href=\"https:\/\/www.kliste.cz\/cz\/vse-o-klistatech\/clanek\/mapy-vyskytu-infikovanych-klistat-v-cr\" target=\"_blank\" rel=\"noopener\"><strong>Mapy v\u00fdskytu<\/strong><\/a><strong> <\/strong>v\u00e1m mohou poskytnout p\u0159edstavu, jak\u00fd pod\u00edl kl\u00ed\u0161\u0165at je naka\u017een\u00fd ur\u010ditou nemoc\u00ed ve va\u0161\u00ed lokalit\u011b. Zat\u00edmco celorepublikov\u00fd pr\u016fm\u011br po\u010d\u00edt\u00e1 nap\u0159. s 10 % kl\u00ed\u0161\u0165at naka\u017een\u00fdch boreli\u00f3zou, v n\u011bkter\u00fdch lokalit\u00e1ch m\u016f\u017ee j\u00edt klidn\u011b o ka\u017ed\u00e9 druh\u00e9 kl\u00ed\u0161t\u011b.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jake-nemoci-klistata-prenaseji\">Jak\u00e9 nemoci kl\u00ed\u0161\u0165ata p\u0159en\u00e1\u0161ej\u00ed?<\/h2>\n\n\n\n<p>Samotn\u00e1 kl\u00ed\u0161\u0165ata krom\u011b kousance a lok\u00e1ln\u00ed reakce nep\u0159edstavuj\u00ed velk\u00e9 nebezpe\u010d\u00ed, <strong>p\u0159en\u00e1\u0161en\u00e9 patogeny <\/strong>u\u017e ale ano. Nej\u010dast\u011bj\u0161\u00ed a nejzn\u00e1m\u011bj\u0161\u00ed jsou v \u010cesku dv\u011b onemocn\u011bn\u00ed:<\/p>\n\n\n\n<ul>\n<li><strong>Lymesk\u00e1 boreli\u00f3za<\/strong> je bakteri\u00e1ln\u00ed infekce, kter\u00e1 se v \u010cesku vyskytuje ze v\u0161ech kl\u00ed\u0161\u0165aty p\u0159en\u00e1\u0161en\u00fdch nemoc\u00ed nej\u010dast\u011bji. Typick\u00fdm, i kdy\u017e ne v\u017edy p\u0159\u00edtomn\u00fdm p\u0159\u00edznakem nemoci je \u010derven\u00e1 skvrna v m\u00edst\u011b p\u0159is\u00e1t\u00ed, tzv. erythema migrans, po 1-2 t\u00fddnech od vynd\u00e1n\u00ed kl\u00ed\u0161t\u011bte. L\u00e9\u010d\u00ed se antibiotiky, vakc\u00edna proti n\u00ed neexistuje. Nel\u00e9\u010den\u00e1 boreli\u00f3za p\u0159ech\u00e1z\u00ed do chronick\u00e9ho onemocn\u011bn\u00ed a m\u016f\u017ee pozd\u011bji postihnout klouby, nervov\u00fd syst\u00e9m i srdce.&nbsp;<\/li>\n\n\n\n<li><strong>Kl\u00ed\u0161\u0165ov\u00e1 encefalitida <\/strong>je virov\u00e9 onemocn\u011bn\u00ed postihuj\u00edc\u00ed centr\u00e1ln\u00ed nervov\u00fd syst\u00e9m. Specifick\u00e1 l\u00e9\u010dba neexistuje, l\u00e9\u010d\u00ed se pouze symptomaticky. Nemoc prob\u00edh\u00e1 ve dvou f\u00e1z\u00edch, typick\u00e1 je 2-4t\u00fddenn\u00ed hospitalizace p\u0159i rozvoji druh\u00e9 f\u00e1ze, dlouh\u00e1 rekonvalescence a ve v\u00e1\u017en\u011bj\u0161\u00edch p\u0159\u00edpadech m\u016f\u017ee v\u00e9st k dlouhodob\u00fdm neurologick\u00fdm n\u00e1sledk\u016fm. Na rozd\u00edl od boreli\u00f3zy proti n\u00ed existuje \u00fa\u010dinn\u00e9 o\u010dkov\u00e1n\u00ed.<\/li>\n<\/ul>\n\n\n\n<p>Kl\u00ed\u0161\u0165ata mohou p\u0159en\u00e1\u0161et i <strong>m\u00e9n\u011b zn\u00e1m\u00e9 infek\u010dn\u00ed nemoci<\/strong>, jako jsou nap\u0159\u00edklad ehrlichi\u00f3za (anaplasm\u00f3za), babesi\u00f3za, bartonel\u00f3za nebo tular\u00e9mie (tzv. zaje\u010d\u00ed nemoc). V \u010cesku se u lid\u00ed diagnostikuj\u00ed <strong>\u0159\u00e1dov\u011b m\u00e9n\u011b \u010dasto<\/strong> ne\u017e boreli\u00f3za a encefalitida. Obavy p\u0159in\u00e1\u0161\u00ed i pom\u011brn\u011b nov\u011b zachycen\u00fd v\u00fdskyt \u201cjin\u00e9 borrelie\u201d (<em>B. miyamotoi<\/em>) s jin\u00fdmi p\u0159\u00edznaky i inkuba\u010dn\u00ed dobou.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-se-pred-nakazou-klistaty-chranit\">Jak se p\u0159ed n\u00e1kazou kl\u00ed\u0161\u0165aty chr\u00e1nit?&nbsp;<\/h2>\n\n\n\n<p>Minimalizace rizika n\u00e1kazy stoj\u00ed na kombinaci n\u011bkolika krok\u016f, \u017e\u00e1dn\u00fd z nich s\u00e1m o sob\u011b riziko zcela nevylou\u010d\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"vcasna-prevence\">V\u010dasn\u00e1 prevence<\/h3>\n\n\n\n<ul>\n<li>Proti kl\u00ed\u0161\u0165ov\u00e9 encefalitid\u011b se nechte v\u010das<strong> o\u010dkovat <\/strong>a nezapom\u00ednejte ani na <strong>p\u0159eo\u010dkov\u00e1n\u00ed <\/strong>podle o\u010dkovac\u00edho sch\u00e9matu.&nbsp;<\/li>\n\n\n\n<li>P\u0159i pohybu v p\u0159\u00edrod\u011b se<strong> dr\u017ete cest<\/strong> a vyh\u00fdbejte se vysok\u00e9 tr\u00e1v\u011b, k\u0159ov\u00ed a podrostu.<\/li>\n\n\n\n<li>Pou\u017e\u00edvejte<strong> repelent<\/strong> (nejl\u00e9pe s osv\u011bd\u010den\u00fdmi l\u00e1tkami, jako je DEET nebo ikaridin) a aplikujte ho opakovan\u011b, zejm\u00e9na na nohy od kolen dol\u016f.<\/li>\n\n\n\n<li>Noste <strong>sv\u011btl\u00e9 a dlouh\u00e9 oble\u010den\u00ed<\/strong>, na kter\u00e9m je kl\u00ed\u0161t\u011b sn\u00e1z vid\u011bt.<\/li>\n\n\n\n<li>Po n\u00e1vratu z p\u0159\u00edrody se <strong>d\u016fkladn\u011b prohl\u00e9dn\u011bte<\/strong> a kontrolu zopakujte tak\u00e9 n\u00e1sleduj\u00edc\u00ed den \u2013 stejn\u011b pe\u010dliv\u011b zkontrolujte i d\u011bti a dom\u00e1c\u00ed mazl\u00ed\u010dky.<\/li>\n<\/ul>\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\/07\/man-clean-fresh-wild-picked-mushrooms-1-1-edited.jpg\" alt=\"\" class=\"wp-image-4215\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/man-clean-fresh-wild-picked-mushrooms-1-1-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/man-clean-fresh-wild-picked-mushrooms-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/man-clean-fresh-wild-picked-mushrooms-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/man-clean-fresh-wild-picked-mushrooms-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/man-clean-fresh-wild-picked-mushrooms-1-1-edited-700x394.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"prvni-kroky-po-prisati-klistete\">Prvn\u00ed kroky po p\u0159is\u00e1t\u00ed kl\u00ed\u0161t\u011bte<\/h3>\n\n\n\n<ul>\n<li>M\u00edsto <strong>dezinfikujte<\/strong>, p\u0159is\u00e1t\u00e9 kl\u00ed\u0161t\u011b <strong>odstra\u0148te pinzetou <\/strong>nebo kle\u0161ti\u010dkami a op\u011bt ranku pot\u0159ete dezinfekc\u00ed. \u010c\u00edm d\u00e9le kl\u00ed\u0161t\u011b saje, t\u00edm v\u00edce roste riziko p\u0159enosu n\u00e1kazy a nez\u00e1le\u017e\u00ed na tom, zda jde o velk\u00e9 nebo mal\u00e9 \u201ckl\u00ed\u0161\u0165\u00e1tko\u201d v jak\u00e9koli f\u00e1zi \u017eivotn\u00edho cyklu &#8211; mal\u00e9 nymfy, kter\u00e9 h\u016f\u0159e vid\u00edte, jsou v tomto ohledu je\u0161t\u011b nebezpe\u010dn\u011bj\u0161\u00ed ne\u017e dosp\u011blci. N\u00e1kaza <strong>virem kl\u00ed\u0161\u0165ov\u00e9 encefalitidy<\/strong> m\u016f\u017ee prob\u011bhnout u\u017e <strong>b\u011bhem 2 hodin <\/strong>od p\u0159is\u00e1t\u00ed, u <strong>lymesk\u00e9 boreli\u00f3zy<\/strong> je riziko n\u00e1kazy v\u00fdrazn\u011b zv\u00fd\u0161en\u00e9 a\u017e<strong> po 24 hodin\u00e1ch<\/strong>.&nbsp;<\/li>\n\n\n\n<li>Po <strong>vynd\u00e1n\u00ed kl\u00ed\u0161t\u011bte<\/strong> si nezapome\u0148te<strong> dob\u0159e um\u00fdt ruce<\/strong>, n\u00e1kaza hroz\u00ed i bez p\u0159\u00edm\u00e9ho p\u0159is\u00e1t\u00ed.&nbsp;<\/li>\n\n\n\n<li>M\u00edsto p\u0159is\u00e1t\u00ed je doporu\u010deno <strong>sledovat<\/strong> po dobu a\u017e 1 m\u011bs\u00edce po vynd\u00e1n\u00ed kl\u00ed\u0161t\u011bte kv\u016fli p\u0159\u00edpadn\u00e9mu eryt\u00e9mu, kter\u00fd zna\u010d\u00ed lymeskou boreli\u00f3zu. Pozornost v\u011bnujte tak\u00e9 p\u0159\u00edpadn\u00fdm <strong>ch\u0159ipkov\u00fdm p\u0159\u00edznak\u016fm<\/strong>.&nbsp;<\/li>\n\n\n\n<li>Zv\u00e1\u017eit m\u016f\u017eete i <strong>laboratorn\u00ed testov\u00e1n\u00ed kl\u00ed\u0161t\u011bte<\/strong>, zejm\u00e9na pokud m\u00e1te podez\u0159en\u00ed na del\u0161\u00ed dobu p\u0159is\u00e1t\u00ed nebo nejste o\u010dkovan\u00ed proti kl\u00ed\u0161\u0165ov\u00e9 encefalitid\u011b. Pozitivn\u00ed n\u00e1lez neznamen\u00e1 n\u00e1kazu a naopak negativn\u00ed n\u00e1lez neznamen\u00e1 vylou\u010den\u00ed n\u00e1kazy od jin\u00e9ho kl\u00ed\u0161t\u011bte. Testov\u00e1n\u00ed ale m\u016f\u017ee p\u0159edstavovat cenn\u00e9 zji\u0161t\u011bn\u00ed pro dal\u0161\u00ed postup.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-pomuze-pojisteni-kdyz-propukne-nemoc\">Jak pom\u016f\u017ee poji\u0161t\u011bn\u00ed, kdy\u017e propukne nemoc?<\/h2>\n\n\n\n<p>L\u00e9\u010dba kl\u00ed\u0161\u0165ov\u00e9 encefalitidy i pozd\u011b zji\u0161t\u011bn\u00e9 lymesk\u00e9 boreli\u00f3zy nemus\u00ed b\u00fdt \u00fapln\u011b jednoduch\u00e1. Alespo\u0148 s finan\u010dn\u00ed str\u00e1nkou d\u016fsledk\u016f t\u011bchto diagn\u00f3z v\u00e1m ale m\u016f\u017ee pomoci \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Jak?&nbsp;<\/p>\n\n\n\n<ul>\n<li><strong>Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/strong> kryje v\u00fdpadek p\u0159\u00edjmu, pokud v\u00e1s l\u00e9\u010dba nebo rekonvalescence, typicky p\u0159i l\u00e9\u010db\u011b nebo po prod\u011blan\u00e9 encefalitid\u011b, na del\u0161\u00ed dobu vy\u0159ad\u00ed z pracovn\u00ed \u010dinnosti. Sta\u010d\u00ed vystaven\u00e1 neschopenka, kter\u00e1 ale mus\u00ed trvat d\u00e9le, ne\u017e je sjednan\u00e1 karen\u010dn\u00ed doba ve va\u0161\u00ed smlouv\u011b &#8211; u kl\u00ed\u0161\u0165ov\u00fdch nemoc\u00ed nicm\u00e9n\u011b m\u016f\u017ee j\u00edt a\u017e o n\u011bkolik m\u011bs\u00edc\u016f.&nbsp;<\/li>\n\n\n\n<li><strong>Poji\u0161t\u011bn\u00ed hospitalizace<\/strong> vypl\u00e1cen\u00e9 formou denn\u00edch d\u00e1vek za ka\u017ed\u00fd den v nemocnici nen\u00ed zpravidla v\u00fdznamnou sou\u010d\u00e1st\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, tady ale m\u016f\u017ee p\u0159ij\u00edt vhod. Zvl\u00e1\u0161t\u011b u kl\u00ed\u0161\u0165ov\u00e9 encefalitidy je p\u0159i propuknut\u00ed 2. f\u00e1ze nemoci hospitalizace tak\u0159ka nutnou sou\u010d\u00e1st\u00ed l\u00e9\u010dby a trv\u00e1 v pr\u016fm\u011bru 12 dn\u00ed, v t\u011b\u017e\u0161\u00edch p\u0159\u00edpadech m\u016f\u017ee j\u00edt o 3 t\u00fddny.&nbsp;<\/li>\n\n\n\n<li><strong>Poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed<\/strong> pom\u016f\u017ee, pokud diagn\u00f3za a klinick\u00e9 projevy (nap\u0159\u00edklad t\u011b\u017ek\u00fd pr\u016fb\u011bh kl\u00ed\u0161\u0165ov\u00e9 encefalitidy nebo boreli\u00f3zy s n\u00e1sledn\u00fdm posti\u017een\u00edm) spl\u0148uj\u00ed definici z\u00e1va\u017en\u00e9 nemoci podle pojistn\u00fdch podm\u00ednek. Poji\u0161\u0165ovny p\u0159itom nehled\u00ed na to, zda jste byli nebo nebyli proti kl\u00ed\u0161\u0165ov\u00e9 encefalitid\u011b o\u010dkovan\u00ed. Ne ka\u017ed\u00e9 poji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch nemoc\u00ed pokr\u00fdv\u00e1 ob\u011b diagn\u00f3zy, vyplat\u00ed se proto p\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed prostudovat pojistn\u00e9 podm\u00ednky.&nbsp;<\/li>\n\n\n\n<li><strong>Poji\u0161t\u011bn\u00ed invalidity, p\u0159\u00edpadn\u011b poji\u0161t\u011bn\u00ed dlouhodob\u00e9<\/strong> <strong>p\u00e9\u010de<\/strong> pom\u016f\u017ee, pokud nemoc zanech\u00e1 trval\u00e9 n\u00e1sledky, kter\u00e9 omez\u00ed va\u0161i schopnost pracovat, a ocitnete se v n\u011bkter\u00e9m ze stup\u0148\u016f invalidity, nebo se o sebe nebudete moci postarat a bude v\u00e1m p\u0159izn\u00e1n n\u011bkter\u00fd ze stup\u0148\u016f z\u00e1vislosti na p\u00e9\u010di jin\u00e9 osoby.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"na-co-si-dat-u-pojisteni-pozor\">Na co si d\u00e1t u poji\u0161t\u011bn\u00ed pozor?&nbsp;<\/h2>\n\n\n\n<ul>\n<li>Poji\u0161t\u011bn\u00ed nehrad\u00ed samotnou l\u00e9\u010dbu, jej\u00ed \u00fahradu zaji\u0161\u0165uje ve\u0159ejn\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed. Poji\u0161t\u011bn\u00ed slou\u017e\u00ed k poskytnut\u00ed <strong>finan\u010dn\u00ed kompenzace<\/strong> p\u0159i v\u00fdpadku p\u0159\u00edjmu, hospitalizaci nebo jin\u00fdch omezen\u00edch, kter\u00e1 v\u00e1m br\u00e1n\u00ed v zaji\u0161t\u011bn\u00ed p\u0159\u00edjmu vlastn\u00edmi silami.<\/li>\n\n\n\n<li><strong>Leh\u010d\u00ed formy<\/strong> onemocn\u011bn\u00ed, kter\u00e9 nedosahuj\u00ed definice z\u00e1va\u017en\u00e9 nemoci podle pojistn\u00fdch podm\u00ednek (typicky v\u010das zachycen\u00e1 a vyl\u00e9\u010den\u00e1 boreli\u00f3za bez komplikac\u00ed), zpravidla<strong> n\u00e1rok na pln\u011bn\u00ed nezakl\u00e1daj\u00ed<\/strong>.<\/li>\n\n\n\n<li>U pojistn\u00fdch ud\u00e1lost\u00ed z d\u016fvodu nemoci se uplat\u0148uje <strong>\u010dekac\u00ed doba<\/strong>, a to zpravidla v d\u00e9lce 2 m\u011bs\u00edc\u016f po po\u010d\u00e1tku poji\u0161t\u011bn\u00ed. Znamen\u00e1 to, \u017ee poji\u0161\u0165ovna nevyplat\u00ed pln\u011bn\u00ed za pojistn\u00e9 ud\u00e1losti, kter\u00e9 vznikly b\u011bhem prvn\u00edch 2 m\u011bs\u00edc\u016f poji\u0161t\u011bn\u00ed. Vyplat\u00ed se proto se sjedn\u00e1n\u00edm poji\u0161t\u011bn\u00ed neot\u00e1let.<\/li>\n\n\n\n<li>P\u0159i <a href=\"https:\/\/www.rixo.cz\/pojisteni-zivota\/\">srovn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> a jeho sjedn\u00e1n\u00ed se vyplat\u00ed ov\u011b\u0159it, jak\u00e1<strong> rizika nab\u00eddka obsahuje<\/strong> a jak\u00e9 podm\u00ednky mus\u00ed b\u00fdt spln\u011bny, aby poji\u0161\u0165ovna pova\u017eovala konkr\u00e9tn\u00ed diagn\u00f3zu za pojistnou ud\u00e1lost. Podm\u00ednky se toti\u017e mezi r\u016fzn\u00fdmi poji\u0161\u0165ovnami v\u00fdrazn\u011b li\u0161\u00ed.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Je\u0161t\u011b sv\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nem\u00e1te? Srovnejte si ho na <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a> a my v\u00e1m najdeme tu nejlep\u0161\u00ed nab\u00eddku, kter\u00e1 v\u00e1s ochr\u00e1n\u00ed p\u0159ed celou \u0159adou rizik u\u017e za p\u00e1r stovek korun m\u011bs\u00ed\u010dn\u011b!&nbsp;<\/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 poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>K l\u00e9tu pat\u0159\u00ed proch\u00e1zky lesem, pikniky a v\u00fdlety do p\u0159\u00edrody. A s t\u00edm v\u0161\u00edm se poj\u00ed i riziko p\u0159is\u00e1t\u00ed kl\u00ed\u0161t\u011bte. \u010cesko pat\u0159\u00ed mezi evropsk\u00e9 zem\u011b s v\u016fbec nejvy\u0161\u0161\u00edm v\u00fdskytem nemoc\u00ed, kter\u00e9 kl\u00ed\u0161\u0165ata p\u0159en\u00e1\u0161ej\u00ed, a \u010d\u00edsla z posledn\u00edch sez\u00f3n ukazuj\u00ed, \u017ee riziko d\u00e1l roste. Jak\u00e9 nemoci kl\u00ed\u0161t\u011b p\u0159en\u00e1\u0161\u00ed, jak se \u00fa\u010dinn\u011b br\u00e1nit a kdy v\u00e1m v p\u0159\u00edpad\u011b kl\u00ed\u0161\u0165ov\u00e9 nemoci pom\u016f\u017ee poji\u0161t\u011bn\u00ed?<\/p>\n","protected":false},"author":11,"featured_media":4213,"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\/4211"}],"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=4211"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4211\/revisions"}],"predecessor-version":[{"id":4234,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4211\/revisions\/4234"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4213"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}