{"id":4539,"date":"2026-09-01T10:00:07","date_gmt":"2026-09-01T08:00:07","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4539"},"modified":"2026-09-01T10:00:08","modified_gmt":"2026-09-01T08:00:08","slug":"uraz-ve-skole-pojisteni-deti","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/uraz-ve-skole-pojisteni-deti\/","title":{"rendered":"\u00daraz ve \u0161kole a na krou\u017eku: Kdo nese odpov\u011bdnost a jak na poji\u0161t\u011bn\u00ed d\u011bt\u00ed?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Vyvrtnut\u00fd kotn\u00edk na t\u011blocviku nebo zlomen\u00e1 ruka na fotbalov\u00e9m tr\u00e9ninku pat\u0159\u00ed mezi b\u011b\u017en\u00e9 \u00farazy, bez kter\u00fdch se d\u011btstv\u00ed tak\u0159ka neobejde. M\u00e1te n\u00e1rok na od\u0161kodn\u011bn\u00ed, kdy\u017e se d\u00edt\u011bti stane \u00faraz ve \u0161kole nebo na krou\u017eku? A m\u016f\u017eete sv\u00e9 d\u00edt\u011b ochr\u00e1nit vlastn\u00ed pojistkou? To se dozv\u00edte v tomto \u010dl\u00e1nku.<\/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=\"#kdo-za-uraz-ve-skole-odpovida\">Kdo za \u00faraz ve \u0161kole odpov\u00edd\u00e1?<\/a><\/li><li class=\"\"><a href=\"#kdy-jde-o-skolni-uraz-a-kdy-ne\">Kdy jde o \u0161koln\u00ed \u00faraz a kdy ne?<\/a><\/li><li class=\"\"><a href=\"#co-vsechno-zahrnuje-odskodneni\">Co v\u0161echno zahrnuje od\u0161kodn\u011bn\u00ed za \u00faraz ve \u0161kole?<\/a><\/li><li class=\"\"><a href=\"#jak-je-to-s-odpovednosti-za-uraz-na-krouzcich-a-v-klubech\">Jak je to s odpov\u011bdnost\u00ed za \u00faraz na krou\u017ec\u00edch a v klubech?<\/a><\/li><li class=\"\"><a href=\"#proc-se-vyplati-sjednat-urazove-pojisteni-ditete\">Pro\u010d se vyplat\u00ed sjednat \u00farazov\u00e9 poji\u0161t\u011bn\u00ed d\u00edt\u011bte?<\/a><\/li><li class=\"\"><a href=\"#jak-na-urazove-pojisteni-pro-deti\">Jak na \u00farazov\u00e9 poji\u0161t\u011bn\u00ed pro d\u011bti?<\/a><\/li><li class=\"\"><a href=\"#kolik-stoji-pojisteni-pro-deti\">Kolik stoj\u00ed poji\u0161t\u011bn\u00ed pro d\u011bti?\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Kdo m\u00e1 za \u00faraz ve \u0161kole odpov\u011bdnost? Odpov\u011b\u010f se li\u0161\u00ed podle toho, kde a jak k \u00farazu do\u0161lo. Jinak se posuzuje nehoda na hodin\u011b t\u011blocviku, jinak p\u00e1d na fotbalov\u00e9m tr\u00e9ninku po\u0159\u00e1dan\u00e9m soukrom\u00fdm klubem a jinak poran\u011bn\u00ed p\u0159i h\u0159e po \u0161kole. Poj\u010fme si roli \u0161koly, provozovatele krou\u017eku i vlastn\u00edho poji\u0161t\u011bn\u00ed d\u00edt\u011bte rozebrat podrobn\u011b.<\/p>\n\n\n\n<h2 id=\"kdo-za-uraz-ve-skole-odpovida\" class=\"wp-block-heading\">Kdo za \u00faraz ve \u0161kole odpov\u00edd\u00e1?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Za bezpe\u010dnost d\u011bt\u00ed ve \u0161kole odpov\u00edd\u00e1 \u0161kola, respektive jej\u00ed z\u0159izovatel. V r\u00e1mci p\u0159ed\u0161koln\u00edho, z\u00e1kladn\u00edho i st\u0159edn\u00edho vzd\u011bl\u00e1n\u00ed se toti\u017e uplat\u0148uje tzv. objektivn\u00ed odpov\u011bdnost, tedy \u201codpov\u011bdnost za v\u00fdsledek\u201d dle <a href=\"https:\/\/e-sbirka.gov.cz\/sb\/2006\/262#par_391\" target=\"_blank\" rel=\"noopener\">\u00a7 391 z\u00e1kon\u00edku pr\u00e1ce<\/a>. To znamen\u00e1, \u017ee \u0161kola odpov\u00edd\u00e1 za \u00faraz, i kdy\u017e nijak nepochybila a u\u010ditel\u00e9 \u010di vychovatel\u00e9 v dru\u017ein\u011b nezanedbali n\u00e1le\u017eit\u00fd dohled. Sta\u010d\u00ed, \u017ee se \u00faraz stal v r\u00e1mci v\u00fduky nebo jin\u00e9 \u0161koln\u00ed \u010dinnosti a \u0161kola je povinna \u017e\u00e1ka od\u0161kodnit.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vzhledem k tomu, \u017ee se zde aplikuje objektivn\u00ed odpov\u011bdnost (nikoli odpov\u011bdnost za zavin\u011bn\u00ed), se m\u016f\u017ee \u0161kola zprostit odpov\u011bdnosti jen v\u00fdjime\u010dn\u011b, nap\u0159\u00edklad pokud prok\u00e1\u017ee poru\u0161en\u00ed pokyn\u016f \u010di \u0161koln\u00edho \u0159\u00e1du \u017e\u00e1kem a \u0159\u00e1dn\u00fdm zaji\u0161t\u011bn\u00edm dozoru nebylo mo\u017en\u00e9 \u00farazu zabr\u00e1nit. Podobn\u00e1 situace m\u016f\u017ee nastat, pokud si \u017e\u00e1k \u00faraz zp\u016fsobil vlastn\u00edm jedn\u00e1n\u00edm v rozporu s pravidly, s nimi\u017e byl prokazateln\u011b sezn\u00e1men. V\u00fdjimkou nen\u00ed ani spoluzavin\u011bn\u00ed \u017e\u00e1ka a \u0161koly, kde hraje roli i v\u011bk d\u00edt\u011bte a jeho rozumov\u00e9 schopnosti.&nbsp;<\/p>\n\n\n\n<h2 id=\"kdy-jde-o-skolni-uraz-a-kdy-ne\" class=\"wp-block-heading\">Kdy jde o \u0161koln\u00ed \u00faraz a kdy ne?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Podle \u00fadaj\u016f \u010cesk\u00e9 \u0161koln\u00ed inspekce eviduje \u0161kolstv\u00ed ro\u010dn\u011b kolem 40 000 \u0161koln\u00edch \u00faraz\u016f, ve \u0161koln\u00edm roce 2024\/2025 evidovala a\u017e <a href=\"https:\/\/www.csicr.cz\/cz\/Dokumenty\/Vyrocni-zpravy\/Kvalita-vzdelavani-v-Ceske-republice-%E2%80%93-skolni-rok\" target=\"_blank\" rel=\"noopener\">45 681 z\u00e1znam\u016f<\/a>, p\u0159i\u010dem\u017e v\u00edce ne\u017e polovinu z nich hl\u00e1sily z\u00e1kladn\u00ed \u0161koly. Ka\u017ed\u00fd \u0161koln\u00ed \u00faraz mus\u00ed \u0161kola zapsat do tzv. knihy \u00faraz\u016f. Z\u00e1znam je kl\u00ed\u010dov\u00fd pro uplatn\u011bn\u00ed n\u00e1roku na od\u0161kodn\u011bn\u00ed \u2013 rodi\u010de by proto m\u011bli trvat na tom, aby vznikl bezprost\u0159edn\u011b po nehod\u011b a obsahoval p\u0159esn\u00fd popis okolnost\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Za \u0161koln\u00ed \u00faraz se pova\u017euje zran\u011bn\u00ed, ke kter\u00e9mu dojde:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>p\u0159i samotn\u00e9 v\u00fduce<\/strong> \u2013 na b\u011b\u017en\u00fdch hodin\u00e1ch, t\u011blocviku i praktick\u00e9m vyu\u010dov\u00e1n\u00ed,<\/li>\n\n\n\n<li><strong>o p\u0159est\u00e1vk\u00e1ch<\/strong> v prostor\u00e1ch \u0161koly pod dohledem pedagog\u016f,<\/li>\n\n\n\n<li><strong>p\u0159i akc\u00edch organizovan\u00fdch \u0161kolou<\/strong> \u2013 \u0161koln\u00ed v\u00fdlet, exkurze, ly\u017ea\u0159sk\u00fd v\u00fdcvik, \u0161kola v p\u0159\u00edrod\u011b.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Naopak \u00faraz cestou do \u0161koly nebo zp\u00e1tky dom\u016f se za \u0161koln\u00ed \u00faraz nepova\u017euje, i kdyby k n\u011bmu do\u0161lo p\u00e1r metr\u016f od budovy. Stejn\u011b tak se odpov\u011bdnost vzd\u011bl\u00e1vac\u00edch instituc\u00ed nevztahuje na voln\u00fd \u010das d\u00edt\u011bte mimo \u0161kolou organizovan\u00e9 aktivity.<\/p>\n\n\n\n<h2 id=\"co-vsechno-zahrnuje-odskodneni\" class=\"wp-block-heading\">Co v\u0161echno zahrnuje od\u0161kodn\u011bn\u00ed za \u00faraz ve \u0161kole?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Od\u0161kodn\u011bn\u00ed tvo\u0159\u00ed n\u011bkolik polo\u017eek, kter\u00e9 kop\u00edruj\u00ed n\u00e1hrady za pracovn\u00ed \u00farazy. Od\u0161kodn\u011bn\u00ed m\u016f\u017ee zahrnovat:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>bolestn\u00e9<\/strong> \u2013 stanovuje se podle bodov\u00e9ho ohodnocen\u00ed \u00fajmy dle <a href=\"https:\/\/e-sbirka.gov.cz\/sb\/2025\/428\" target=\"_blank\" rel=\"noopener\">na\u0159\u00edzen\u00ed vl\u00e1dy<\/a> na z\u00e1klad\u011b l\u00e9ka\u0159sk\u00e9 dokumentace,<\/li>\n\n\n\n<li><strong>zt\u00ed\u017een\u00ed spole\u010densk\u00e9ho uplatn\u011bn\u00ed<\/strong> \u2013 pokud \u00faraz zanech\u00e1 dlouhodob\u00e9 zdravotn\u00ed omezen\u00ed, takt\u00e9\u017e dle na\u0159\u00edzen\u00ed vl\u00e1dy,<\/li>\n\n\n\n<li><strong>\u00fa\u010deln\u011b vynalo\u017een\u00e9 n\u00e1klady na l\u00e9\u010den\u00ed<\/strong> \u2013 v\u00fddaje na l\u00e9ka\u0159skou p\u00e9\u010di nad r\u00e1mec \u00fahrad zdravotn\u00ed poji\u0161\u0165ovny, n\u00e1hrada prost\u0159edk\u016f vynalo\u017een\u00fdch na dopravu k l\u00e9ka\u0159\u016fm, doplatky na l\u00e9ky \u010di rehabilitace,<\/li>\n\n\n\n<li><strong>n\u00e1klady na p\u00e9\u010di<\/strong> \u2013 n\u00e1hrada za u\u0161l\u00fd zisk rodi\u010de p\u0159i poskytovan\u00e9 p\u00e9\u010di nad r\u00e1mec n\u00e1hrady mzdy (o\u0161et\u0159ovn\u00e9ho).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Samotnou l\u00e9\u010dbu v\u017edy hrad\u00ed zdravotn\u00ed poji\u0161\u0165ovna d\u00edt\u011bte \u2013 odpov\u011bdnostn\u00ed poji\u0161t\u011bn\u00ed \u0161koly nebo klubu se t\u00fdk\u00e1 jen od\u0161kodn\u011bn\u00ed nad r\u00e1mec zdravotn\u00ed p\u00e9\u010de. Pro \u00fasp\u011b\u0161n\u00e9 vy\u0159\u00edzen\u00ed n\u00e1roku je nezbytn\u00e1 kompletn\u00ed zdravotn\u00ed dokumentace a z\u00e1znam v knize \u00faraz\u016f. \u0160kola p\u0159itom sama ze sv\u00e9ho rozpo\u010dtu od\u0161kodn\u011bn\u00ed zpravidla neplat\u00ed. Naprost\u00e1 v\u011bt\u0161ina \u0161kol m\u00e1 pr\u00e1v\u011b pro tento p\u0159\u00edpad sjednan\u00e9 <strong>poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u00fajmu zp\u016fsobenou \u017e\u00e1k\u016fm<\/strong>.<\/p>\n\n\n\n<h2 id=\"jak-je-to-s-odpovednosti-za-uraz-na-krouzcich-a-v-klubech\" class=\"wp-block-heading\">Jak je to s odpov\u011bdnost\u00ed za \u00faraz na krou\u017ec\u00edch a v klubech?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Voln\u00fd \u010das d\u011bt\u00ed dnes zdaleka nekon\u010d\u00ed \u0161koln\u00ed budovou. Krou\u017eky v domech d\u011bt\u00ed a ml\u00e1de\u017ee, hodiny na z\u00e1kladn\u00ed um\u011bleck\u00e9 \u0161kole, fotbalov\u00e1 \u0161koli\u010dka \u2013 v\u0161ude tam hroz\u00ed \u00farazy stejn\u011b jako ve \u0161kole. Pravidla se ale li\u0161\u00ed podle toho, kdo aktivitu po\u0159\u00e1d\u00e1. <strong>ZU\u0160 a dal\u0161\u00ed \u0161kolsk\u00e1 za\u0159\u00edzen\u00ed pro z\u00e1jmov\u00e9 vzd\u011bl\u00e1v\u00e1n\u00ed<\/strong>, nap\u0159\u00edklad domy d\u011bt\u00ed a ml\u00e1de\u017ee, funguj\u00ed v obdobn\u00e9m re\u017eimu jako \u0161kola, proto\u017ee jde o \u0161kolsk\u00e1 za\u0159\u00edzen\u00ed podle \u0161kolsk\u00e9ho z\u00e1kona.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Naproti tomu <strong>soukrom\u00e9 kluby, spolky a komer\u010dn\u00ed krou\u017eky<\/strong> (sportovn\u00ed odd\u00edly, tane\u010dn\u00ed \u0161koly apod.) se \u0159\u00edd\u00ed obecnou \u00fapravou ob\u010dansk\u00e9ho z\u00e1kon\u00edku. Odpov\u011bdnost tu nen\u00ed objektivn\u00ed, ale tzv. subjektivn\u00ed, tud\u00ed\u017e za zavin\u011bn\u00ed. Odpov\u011bdnost za \u00faraz tato instituce nese v p\u0159\u00edpad\u011b, \u017ee vedouc\u00ed krou\u017eku nebo tren\u00e9r zanedbal n\u00e1le\u017eit\u00fd dohled, podobn\u011b jako je tomu u <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-ditete-na-tabor\/\">letn\u00edch t\u00e1bor\u016f<\/a>.<\/p>\n\n\n\n<h2 id=\"proc-se-vyplati-sjednat-urazove-pojisteni-ditete\" class=\"wp-block-heading\">Pro\u010d se vyplat\u00ed sjednat \u00farazov\u00e9 poji\u0161t\u011bn\u00ed d\u00edt\u011bte?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">I kdy\u017e \u0161kola nebo krou\u017eek odpov\u011bdnost obecn\u011b nesou, nemus\u00ed v\u017edy doj\u00edt zrovna k takov\u00e9mu \u00farazu, kter\u00fd by jejich odpov\u011bdnost zakl\u00e1dal. Pro v\u0161echny p\u0159\u00edpady &#8211; a\u0165 u\u017e se va\u0161e ratolest zran\u00ed ve \u0161kole, na krou\u017eku, venku nebo doma &#8211; se hod\u00ed m\u00edt vlastn\u00ed \u00farazov\u00e9 poji\u0161t\u011bn\u00ed d\u00edt\u011bte. Od\u0161kodn\u011bn\u00ed z\u00edsk\u00e1te bez ohledu na to, kde k n\u011bmu do\u0161lo a p\u0159\u00edpadn\u00e9 pln\u011bn\u00ed nav\u00edc m\u016f\u017eete z\u00edskat soub\u011b\u017en\u011b s od\u0161kodn\u011bn\u00edm od \u0161koly \u010di organiz\u00e1tora krou\u017eku.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U v\u00e1mi sjednan\u00e9ho poji\u0161t\u011bn\u00ed se tak\u00e9 m\u016f\u017eete spolehnout na rychl\u00e9 pln\u011bn\u00ed bez zdlouhav\u00e9ho prokazov\u00e1n\u00ed a m\u00e1te jistotu, \u017ee l\u00e9\u010den\u00ed \u00farazu nezas\u00e1hne v\u00e1\u0161 rodinn\u00fd rozpo\u010det. Poji\u0161t\u011bn\u00ed si toti\u017e m\u016f\u017eete nastavit p\u0159esn\u011b podle sv\u00fdch pot\u0159eb.&nbsp;<\/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\/09\/young-caucasian-boy-playing-shooting-basketball-stadium-1-1-edited.jpg\" alt=\"uraz-ve-skole-pojisteni\" class=\"wp-image-4544\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/09\/young-caucasian-boy-playing-shooting-basketball-stadium-1-1-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/09\/young-caucasian-boy-playing-shooting-basketball-stadium-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/09\/young-caucasian-boy-playing-shooting-basketball-stadium-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/09\/young-caucasian-boy-playing-shooting-basketball-stadium-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/09\/young-caucasian-boy-playing-shooting-basketball-stadium-1-1-edited-700x394.jpg 700w\" data-sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 id=\"jak-na-urazove-pojisteni-pro-deti\" class=\"wp-block-heading\">Jak na \u00farazov\u00e9 poji\u0161t\u011bn\u00ed pro d\u011bti?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161\u0165ovny v poji\u0161t\u011bn\u00ed d\u011bt\u00ed nab\u00edzej\u00ed sjedn\u00e1n\u00ed t\u011bchto rizik:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Denn\u00ed od\u0161kodn\u00e9<\/strong> za dobu nezbytn\u00e9ho l\u00e9\u010den\u00ed \u00farazu &#8211; jedn\u00e1 se o denn\u00ed d\u00e1vku p\u0159edstavuj\u00edc\u00ed bolestn\u00e9, zpravidla s nastaven\u00edm 200-500 K\u010d\/den<\/li>\n\n\n\n<li><strong>Hospitalizace<\/strong> &#8211; denn\u00ed d\u00e1vka za ka\u017ed\u00fd den str\u00e1ven\u00fd v nemocnici, nap\u0159\u00edklad p\u0159i akutn\u00ed operaci, b\u011b\u017en\u011b s nastaven\u00edm 200-500 K\u010d\/den<\/li>\n\n\n\n<li><strong>Trval\u00e9 n\u00e1sledky \u00farazu<\/strong> &#8211; jednor\u00e1zov\u00e9 pln\u011bn\u00ed za nem\u011bnn\u00e9 t\u011blesn\u00e9 po\u0161kozen\u00ed, nap\u0159\u00edklad jizva v obli\u010deji, omezen\u00e1 hybnost kloubu apod.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Vhodn\u00e9 je p\u0159idat do poji\u0161t\u011bn\u00ed t\u0159eba i dal\u0161\u00ed rizika, kter\u00e1 se neomezuj\u00ed pouze na \u00faraz. P\u0159\u00edkladem m\u016f\u017ee b\u00fdt <strong>poji\u0161t\u011bn\u00ed sn\u00ed\u017een\u00e9 sob\u011bsta\u010dnosti<\/strong>, kter\u00e9 je obdobou poji\u0161t\u011bn\u00ed invalidity u dosp\u011bl\u00fdch a v p\u0159\u00edpad\u011b p\u0159izn\u00e1n\u00ed ur\u010dit\u00e9ho stupn\u011b z\u00e1vislosti na p\u00e9\u010di pak poji\u0161\u0165ovna poskytuje jednor\u00e1zov\u00e9 pln\u011bn\u00ed v nastaven\u00e9 \u010d\u00e1stce.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pro pracuj\u00edc\u00ed rodi\u010de je praktick\u00e9 i <a href=\"https:\/\/www.rixo.cz\/blog\/kdy-si-pojistit-osetrovani-ditete\/\">poji\u0161t\u011bn\u00ed o\u0161et\u0159ov\u00e1n\u00ed d\u00edt\u011bte<\/a>. Zat\u00edmco v\u00e1m st\u00e1t p\u0159i o\u0161et\u0159ovn\u00e9m hrad\u00ed pouze 60 % z redukovan\u00e9ho denn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu, a to pouze 9 dn\u016f, poji\u0161t\u011bn\u00ed v\u00e1m m\u016f\u017ee p\u0159i del\u0161\u00edm l\u00e9\u010den\u00ed nejen p\u0159\u00edjem dorovnat do 100 %, ale i zaplatit dny o\u0161et\u0159ov\u00e1n\u00ed, kter\u00e9 v\u00e1m u\u017e st\u00e1tn\u00ed o\u0161et\u0159ovn\u00e9 nahradit nem\u016f\u017ee.&nbsp;<\/p>\n\n\n\n<h2 id=\"kolik-stoji-pojisteni-pro-deti\" class=\"wp-block-heading\">Kolik stoj\u00ed poji\u0161t\u011bn\u00ed pro d\u011bti?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161t\u011bn\u00ed d\u011bt\u00ed vyjde b\u011b\u017en\u011b na p\u00e1r stovek korun m\u011bs\u00ed\u010dn\u011b. Nejlevn\u011bj\u0161\u00ed m\u016f\u017eete sehnat u\u017e za 200 K\u010d, poji\u0161t\u011bn\u00ed s \u0161ir\u0161\u00edm kryt\u00edm v\u00e1s vyjde v pr\u016fm\u011bru na 400-600 K\u010d m\u011bs\u00ed\u010dn\u011b. Zaj\u00edm\u00e1 v\u00e1s nejen cena, ale i rozsah kryt\u00ed? Pod\u00edvejte se na na\u0161e modelov\u00e9 p\u0159\u00edklady nab\u00eddek poji\u0161t\u011bn\u00ed pro sedmilet\u00e9ho \u017e\u00e1ka prvn\u00ed t\u0159\u00eddy.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Poji\u0161t\u011bn\u00ed<\/strong><\/td><td><strong>Pojistn\u00e1 \u010d\u00e1stka\/denn\u00ed d\u00e1vka<\/strong><\/td><\/tr><tr><td>Poji\u0161t\u011bn\u00ed smrti (povinn\u00fd tarif)<\/td><td>25 000 K\u010d<\/td><\/tr><tr><td>Invalidita d\u00edt\u011bte (sn\u00ed\u017een\u00e1 sob\u011bsta\u010dnost)<\/td><td>1 000 000 K\u010d<\/td><\/tr><tr><td>Trval\u00e9 n\u00e1sledky \u00farazu od nejmen\u0161\u00edch<\/td><td>1 000 000 K\u010d<\/td><\/tr><tr><td>Denn\u00ed od\u0161kodn\u00e9 za dobu l\u00e9\u010den\u00ed \u00farazu<\/td><td>300 K\u010d\/den<\/td><\/tr><tr><td>O\u0161et\u0159ov\u00e1n\u00ed d\u00edt\u011bte od 10. dne<\/td><td>300 K\u010d\/den<\/td><\/tr><tr><td>Hospitalizace&nbsp;<\/td><td>300 K\u010d\/den<\/td><\/tr><tr><td><strong>Pojistn\u00e9 celkem m\u011bs\u00ed\u010dn\u011b<\/strong><\/td><td><strong>432 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">A kolik m\u016f\u017ee st\u00e1t poji\u0161t\u011bn\u00ed pro va\u0161e d\u00edt\u011b? Na RIXO.cz si porovn\u00e1te nab\u00eddky <a href=\"https:\/\/www.rixo.cz\/urazove-pojisteni-pro-deti\/\">\u00farazov\u00e9ho poji\u0161t\u011bn\u00ed pro d\u011bti<\/a> i \u017eivotn\u00edho poji\u0161t\u011bn\u00ed pro d\u011bti nebo celou rodinu od \u0159ady poji\u0161\u0165oven b\u011bhem p\u00e1r minut. Poj\u010fte to rovnou zkusit!\u00a0<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de 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\/urazove-pojisteni-pro-deti\/\" style=\"background-color:#605db5\">Srovnat \u00farazov\u00e9 poji\u0161t\u011bn\u00ed pro d\u011bti<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Vyvrtnut\u00fd kotn\u00edk na t\u011blocviku nebo zlomen\u00e1 ruka na fotbalov\u00e9m tr\u00e9ninku pat\u0159\u00ed mezi b\u011b\u017en\u00e9 \u00farazy, bez kter\u00fdch se d\u011btstv\u00ed tak\u0159ka neobejde. M\u00e1te n\u00e1rok na od\u0161kodn\u011bn\u00ed, kdy\u017e se d\u00edt\u011bti stane \u00faraz ve \u0161kole nebo na krou\u017eku?<\/p>\n","protected":false},"author":11,"featured_media":4542,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,8],"tags":[30],"class_list":["post-4539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-zivot","tag-zivotni-a-urazove-pojisteni"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4539","targetHints":{"allow":["GET"]}}],"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=4539"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4539\/revisions"}],"predecessor-version":[{"id":4558,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4539\/revisions\/4558"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4542"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4539"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4539"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4539"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}