{"id":4709,"date":"2026-10-29T10:03:59","date_gmt":"2026-10-29T09:03:59","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4709"},"modified":"2026-10-29T10:04:01","modified_gmt":"2026-10-29T09:04:01","slug":"progresivni-plneni-trvalych-nasledku-urazu","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/progresivni-plneni-trvalych-nasledku-urazu\/","title":{"rendered":"Progresivn\u00ed pln\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu: Jak funguje a jak se progrese po\u010d\u00edt\u00e1?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">V\u00e1\u017en\u00fd \u00faraz m\u016f\u017ee zanechat n\u00e1sledky na cel\u00fd \u017eivot. Pr\u00e1v\u011b tehdy ocen\u00edte poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu. Kolik pen\u011bz od poji\u0161\u0165ovny po t\u011b\u017ek\u00e9m \u00farazu dostanete, z\u00e1le\u017e\u00ed tak\u00e9 na tom, zda m\u00e1te sjednanou takzvanou progresi. Jak progresivn\u00ed pln\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f funguje a jak se po\u010d\u00edt\u00e1?<\/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-progrese\">Co je progrese?<\/a><\/li><li class=\"\"><a href=\"#priklad-jaky-je-rozdil-mezi-linearnim-a-progresivnim-plnenim-trvalych-nasledku\">P\u0159\u00edklad: Jak\u00fd je rozd\u00edl mezi line\u00e1rn\u00edm a progresivn\u00edm pln\u011bn\u00edm trval\u00fdch n\u00e1sledk\u016f?<\/a><\/li><li class=\"\"><a href=\"#jake-jsou-rozdily-v-nastaveni-progresivniho-plneni\">Jak\u00e9 jsou rozd\u00edly v nastaven\u00ed progresivn\u00edho pln\u011bn\u00ed?\u00a0<\/a><\/li><li class=\"\"><a href=\"#jak-vypocitat-vysi-plneni-za-trvale-nasledky-s-progresi\">Jak vypo\u010d\u00edtat v\u00fd\u0161i pln\u011bn\u00ed za trval\u00e9 n\u00e1sledky s progres\u00ed?\u00a0<\/a><\/li><li class=\"\"><a href=\"#na-co-si-dat-pozor-u-progresivniho-plneni\">Na co si d\u00e1t pozor u progresivn\u00edho pln\u011bn\u00ed?<\/a><\/li><li class=\"\"><a href=\"#kdy-se-progrese-vyplati-a-jak-pojisteni-vybrat\">Kdy se progrese vyplat\u00ed a jak poji\u0161t\u011bn\u00ed vybrat?<\/a><\/li><li class=\"\"><a href=\"#caste-otazky-a-odpovedi\">\u010cast\u00e9 ot\u00e1zky o progresivn\u00edm pln\u011bn\u00ed<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 id=\"co-je-progrese\" class=\"wp-block-heading\">Co je progrese?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Progrese vyjad\u0159uje n\u00e1soben\u00ed pojistn\u00e9 \u010d\u00e1stky nebo zv\u00fd\u0161en\u00ed procentu\u00e1ln\u00edho ocen\u011bn\u00ed \u00farazu nad r\u00e1mec oce\u0148ovac\u00edch tabulek, kter\u00e9 navy\u0161uje v\u00fdsledn\u00e9 pln\u011bn\u00ed p\u0159i v\u00e1\u017en\u00fdch \u00farazech (zpravidla nad 15-20 % t\u011blesn\u00e9ho po\u0161kozen\u00ed). Uplat\u0148uje se u <strong>poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/strong> v r\u00e1mci \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed a \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, u n\u011bkter\u00fdch poji\u0161\u0165oven se m\u016f\u017ee uplat\u0148ovat i u poji\u0161t\u011bn\u00ed denn\u00edho od\u0161kodn\u00e9ho za dobu l\u00e9\u010den\u00ed \u00farazu.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zat\u00edmco z\u00e1kladn\u00ed nastaven\u00ed pln\u011bn\u00ed za trval\u00e9 n\u00e1sledky je <strong>line\u00e1rn\u00ed<\/strong> podle konkr\u00e9tn\u00edho procentu\u00e1ln\u00edho ocen\u011bn\u00ed trval\u00e9ho n\u00e1sledku v oce\u0148ovac\u00edch tabulk\u00e1ch, volba <strong>progrese<\/strong> m\u016f\u017ee v\u00fdsledn\u00e9 pln\u011bn\u00ed <strong>d\u00edky zn\u00e1soben\u00ed pojistn\u00e9 \u010d\u00e1stky nav\u00fd\u0161it<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U trval\u00fdch n\u00e1sledk\u016f \u00farazu poji\u0161\u0165ovny hodnot\u00ed rozsah trval\u00e9ho n\u00e1sledku a ocen\u00ed jej tzv. \u201cprocentem t\u011blesn\u00e9ho po\u0161kozen\u00ed.\u201d Plat\u00ed, \u017ee \u010d\u00edm z\u00e1va\u017en\u011bj\u0161\u00ed je trval\u00fd n\u00e1sledek a jeho ohodnocen\u00ed procentem, t\u00edm vy\u0161\u0161\u00ed je nejen line\u00e1rn\u00ed pln\u011bn\u00ed, ale i progrese, a tedy i v\u00fdsledn\u00e1 \u010d\u00e1stka. Co jsou <a href=\"https:\/\/www.rixo.cz\/blog\/trvale-nasledky-urazu-a-narok-na-plneni\/\">trval\u00e9 n\u00e1sledky a kdy vznik\u00e1 n\u00e1rok na pln\u011bn\u00ed<\/a>, vysv\u011btlujeme v samostatn\u00e9m \u010dl\u00e1nku.<\/p>\n\n\n\n<h2 id=\"priklad-jaky-je-rozdil-mezi-linearnim-a-progresivnim-plnenim-trvalych-nasledku\" class=\"wp-block-heading\">P\u0159\u00edklad: Jak\u00fd je rozd\u00edl mezi line\u00e1rn\u00edm a progresivn\u00edm pln\u011bn\u00edm trval\u00fdch n\u00e1sledk\u016f?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">U <strong>line\u00e1rn\u00edho pln\u011bn\u00ed<\/strong> dostanete tolik procent z pojistn\u00e9 \u010d\u00e1stky, kolik \u010din\u00ed t\u011blesn\u00e9 po\u0161kozen\u00ed podle oce\u0148ovac\u00edch tabulek: nap\u0159\u00edklad 40% po\u0161kozen\u00ed znamen\u00e1 40 % pojistn\u00e9 \u010d\u00e1stky. Z pojistn\u00e9 \u010d\u00e1stky 1 000 000 K\u010d tak poji\u0161\u0165ovna vyplat\u00ed <strong>400 000 K\u010d<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U <strong>progresivn\u00edho pln\u011bn\u00ed<\/strong> se od ur\u010dit\u00e9 hranice, obvykle kolem 15-20 % t\u011blesn\u00e9ho po\u0161kozen\u00ed, za\u010d\u00edn\u00e1 uplat\u0148ovat n\u00e1soben\u00ed pojistn\u00e9 \u010d\u00e1stky. P\u0159i 40 % po\u0161kozen\u00ed poji\u0161\u0165ovna (v tomto p\u0159\u00edpad\u011b poji\u0161\u0165ovna Allianz) z\u00e1kladn\u00ed pojistnou \u010d\u00e1stku 1 000 000 K\u010d zn\u00e1sob\u00ed dle sv\u00fdch podm\u00ednek 115 %. V\u00fdchoz\u00ed pojistn\u00e1 \u010d\u00e1stka pro v\u00fdpo\u010det je tedy 1 150 000 K\u010d. Pln\u011bn\u00ed ve v\u00fd\u0161i 40 % z pojistn\u00e9 \u010d\u00e1stky pak odpov\u00edd\u00e1 <strong>460 000 K\u010d<\/strong>.<\/p>\n\n\n\n<h2 id=\"jake-jsou-rozdily-v-nastaveni-progresivniho-plneni\" class=\"wp-block-heading\">Jak\u00e9 jsou rozd\u00edly v nastaven\u00ed progresivn\u00edho pln\u011bn\u00ed?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mo\u017enosti sjedn\u00e1n\u00ed progrese, respektive jejich v\u00fd\u0161e, se li\u0161\u00ed podle poji\u0161\u0165ovny a konkr\u00e9tn\u00edho produktu. Plat\u00ed, \u017ee poji\u0161\u0165ovny nab\u00edz\u00ed v\u00edce variant a maxim\u00e1ln\u00ed sjednateln\u00e1 progrese je 1 000 %, tedy desetin\u00e1sobn\u00e1. Ve srovn\u00e1n\u00ed na <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a> m\u016f\u017eete naj\u00edt nab\u00eddky s n\u00e1sleduj\u00edc\u00ed progres\u00ed:&nbsp;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Poji\u0161\u0165ovna<\/strong><\/td><td><strong>Uplatn\u011bn\u00ed progrese od procenta t\u011blesn\u00e9ho po\u0161kozen\u00ed<\/strong><\/td><td><strong>Maxim\u00e1ln\u00ed progrese (n\u00e1sobek)<\/strong><\/td><\/tr><tr><td>Allianz<\/td><td>15 %<\/td><td>800 % (8x)<\/td><\/tr><tr><td>\u010cesk\u00e1 podnikatelsk\u00e1 poji\u0161\u0165ovna<\/td><td>20 %<\/td><td>1 000 % (10x)<\/td><\/tr><tr><td>\u010cSOB Poji\u0161\u0165ovna<\/td><td>10 %<\/td><td>1 000 % (10x)<\/td><\/tr><tr><td>Komer\u010dn\u00ed poji\u0161\u0165ovna<\/td><td>15 %<\/td><td>800 % (8x)<\/td><\/tr><tr><td>Maxima poji\u0161\u0165ovna<\/td><td>15 %<\/td><td>1 000 % (10x)<\/td><\/tr><tr><td>MetLife<\/td><td>15 %<\/td><td>1 000 % (10x)<\/td><\/tr><tr><td>NN \u017divotn\u00ed poji\u0161\u0165ovna<\/td><td>25 %<\/td><td>1 000 % (10x)<\/td><\/tr><tr><td>Pillow<\/td><td>20 %&nbsp;<\/td><td>1 000 % (10x)<\/td><\/tr><tr><td>UNIQA<\/td><td>5 %<\/td><td>1 000 % (10x)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Mezi jednotliv\u00fdmi poji\u0161\u0165ovnami se li\u0161\u00ed nejen nastaven\u00ed progrese u jednotliv\u00fdch procentu\u00e1ln\u00edch hodnocen\u00ed \u00faraz\u016f, ale i zp\u016fsob v\u00fdpo\u010dtu progresivn\u00edho pln\u011bn\u00ed. Setkat se m\u016f\u017eete s:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>n\u00e1soben\u00edm pojistn\u00e9 \u010d\u00e1stky procentem (nap\u0159. MetLife)<\/li>\n\n\n\n<li>ur\u010den\u00edm nav\u00fd\u0161en\u00e9ho procenta pln\u011bn\u00ed pro r\u016fzn\u00e1 procenta t\u011blesn\u00e9ho po\u0161kozen\u00ed (nap\u0159. \u010cSOB Poji\u0161\u0165ovna)<\/li>\n\n\n\n<li>koeficientem, kter\u00fdm se n\u00e1sob\u00ed pojistn\u00e1 \u010d\u00e1stka (nap\u0159. Pillow)<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"341\" 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\/10\/Snimek-obrazovky-2026-10-20-131545.png\" alt=\"\" class=\"wp-image-4712\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/Snimek-obrazovky-2026-10-20-131545.png 400w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/Snimek-obrazovky-2026-10-20-131545-300x256.png 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/Snimek-obrazovky-2026-10-20-131545-100x85.png 100w\" data-sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><figcaption class=\"wp-element-caption\"><em>Tabulka progrese MetLife<\/em><\/figcaption><\/figure>\n<\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"359\" height=\"648\" 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\/10\/Snimek-obrazovky-2026-10-20-132041.png\" alt=\"\" class=\"wp-image-4713\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/Snimek-obrazovky-2026-10-20-132041.png 359w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/Snimek-obrazovky-2026-10-20-132041-166x300.png 166w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/Snimek-obrazovky-2026-10-20-132041-55x100.png 55w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/Snimek-obrazovky-2026-10-20-132041-249x450.png 249w\" data-sizes=\"auto, (max-width: 359px) 100vw, 359px\" \/><figcaption class=\"wp-element-caption\"><em>Tabulka progrese \u010cSOB Poji\u0161\u0165ovna<\/em><\/figcaption><\/figure>\n<\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"528\" height=\"150\" 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\/10\/image-3.png\" alt=\"\" class=\"wp-image-4711\" style=\"aspect-ratio:3.52;width:528px;height:auto\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/image-3.png 528w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/image-3-300x85.png 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/image-3-100x28.png 100w\" data-sizes=\"auto, (max-width: 528px) 100vw, 528px\" \/><figcaption class=\"wp-element-caption\"><em>Tabulka progrese Pillow<\/em><\/figcaption><\/figure>\n<\/div>\n\n\n<h2 id=\"jak-vypocitat-vysi-plneni-za-trvale-nasledky-s-progresi\" class=\"wp-block-heading\">Jak vypo\u010d\u00edtat v\u00fd\u0161i pln\u011bn\u00ed za trval\u00e9 n\u00e1sledky s progres\u00ed?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Progresivn\u00ed pln\u011bn\u00ed za trval\u00e9 n\u00e1sledky si u v\u00fd\u0161e zm\u00edn\u011bn\u00fdch poji\u0161\u0165oven rovnou vypo\u010d\u00edt\u00e1me na p\u0159\u00edkladu modelov\u00e9ho klienta V\u00e1clava.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00e1clav m\u00e1 sjednan\u00e9 poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu od 0,01 % t\u011blesn\u00e9ho po\u0161kozen\u00ed s pojistnou \u010d\u00e1stkou 1 000 000 K\u010d. Utrp\u011bl \u00faraz horn\u00ed kon\u010detiny s trval\u00fdm n\u00e1sledkem, traumatickou poruchou v\u0161ech nerv\u016f pletence pa\u017en\u00edho. Dle oce\u0148ovac\u00edch tabulek poji\u0161\u0165ovna trval\u00fd n\u00e1sledek ohodnotila na 55 % t\u011blesn\u00e9ho po\u0161kozen\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00e1clav by bez progrese po t\u011b\u017ek\u00e9m \u00farazu od poji\u0161\u0165ovny dostal pln\u011bn\u00ed jen 550 000 K\u010d. Sjednal si ale je\u0161t\u011b desetin\u00e1sobnou progresi. Pln\u011bn\u00ed by proto u poji\u0161\u0165oven \u010cSOB Poji\u0161\u0165ovna, Pillow a MetLife bylo n\u00e1sleduj\u00edc\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u010cSOB Poji\u0161\u0165ovna<\/strong>: Pro 55% t\u011blesn\u00e9 po\u0161kozen\u00ed pou\u017eije \u010cSOB Poji\u0161\u0165ovna v progresivn\u00edm pln\u011bn\u00ed dle tabulky procento 282 %. V\u00e1clavovi z pojistn\u00e9 \u010d\u00e1stky 1 000 000 K\u010d vyplat\u00ed <strong>2 820 000 K\u010d<\/strong>.<br>V\u00fdpo\u010det: 2,82 \u00d7 1 000 000 K\u010d = 2 820 000 K\u010d<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pillow<\/strong>: Poji\u0161\u0165ovna Pillow 55% t\u011blesn\u00e9 po\u0161kozen\u00ed vyn\u00e1sob\u00ed koeficientem 3,9. V\u00e1clavovo pln\u011bn\u00ed tak vych\u00e1z\u00ed na <strong>2 145 000 K\u010d<\/strong>.<br>V\u00fdpo\u010det: 1 000 000 K\u010d \u00d7 0,55 \u00d7 3,9 = 2 145 000 K\u010d<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>MetLife<\/strong>: MetLife u 55% t\u011blesn\u00e9ho po\u0161kozen\u00ed uplatn\u00ed progresi 500 %, tak\u017ee pln\u011bn\u00ed po\u010d\u00edt\u00e1 z nav\u00fd\u0161en\u00e9 pojistn\u00e9 \u010d\u00e1stky 5 000 000 K\u010d. V\u00e1clav tak dostane <strong>2 750 000 K\u010d<\/strong>.<br>V\u00fdpo\u010det: 5 000 000 K\u010d \u00d7 0,55 = 2 750 000 K\u010d<\/li>\n<\/ul>\n\n\n\n<h2 id=\"na-co-si-dat-pozor-u-progresivniho-plneni\" class=\"wp-block-heading\">Na co si d\u00e1t pozor u progresivn\u00edho pln\u011bn\u00ed?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pokud jeden \u00faraz zanech\u00e1 n\u011bkolik trval\u00fdch n\u00e1sledk\u016f<\/strong>, poji\u0161\u0165ovna jejich rozsahy s\u010d\u00edt\u00e1 podle podm\u00ednek (nap\u0159. trval\u00e9 n\u00e1sledky v r\u00e1mci jedn\u00e9 \u010d\u00e1sti t\u011bla mohou dos\u00e1hnout jen nejvy\u0161\u0161\u00edho procenta za jej\u00ed ztr\u00e1tu). Sou\u010det trval\u00fdch n\u00e1sledk\u016f m\u016f\u017ee odpov\u00eddat maxim\u00e1ln\u011b 100 % t\u011blesn\u00e9ho po\u0161kozen\u00ed. Progrese se tedy neuplat\u0148uje na ka\u017ed\u00e9 zran\u011bn\u00ed zvl\u00e1\u0161\u0165, ale na celkov\u00e9 ohodnocen\u00ed jednoho \u00farazu.<\/li>\n\n\n\n<li><strong>Rozd\u00edln\u00e9 oce\u0148ovac\u00ed tabulky a tabulky progresivn\u00edho pln\u011bn\u00ed.<\/strong> Ka\u017ed\u00e1 poji\u0161\u0165ovna hodnot\u00ed stejn\u00e9 n\u00e1sledky jinak a vypo\u010d\u00edt\u00e1v\u00e1 progresi jinak, srovn\u00e1vejte proto i tabulky, nejen pojistnou \u010d\u00e1stku a samotn\u00e9 nastaven\u00ed poji\u0161t\u011bn\u00ed.<\/li>\n\n\n\n<li><strong>Progrese se naplno projev\u00ed u pln\u011bn\u00ed za t\u011b\u017ek\u00e9 \u00farazy<\/strong>. Do hranice kolem 15-20 % je pln\u011bn\u00ed line\u00e1rn\u00ed, p\u0159\u00edpadn\u011b nav\u00fd\u0161en\u00e9 jen o jednotky procent, a pr\u00e1v\u011b tam spad\u00e1 v\u011bt\u0161ina b\u011b\u017en\u00fdch n\u00e1sledk\u016f: t\u0159eba lehk\u00e9 omezen\u00ed hybnosti kolena se hodnot\u00ed nejv\u00fd\u0161e 10 %.<\/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\/uploads\/2026\/10\/unrecognizable-doctor-examining-leg-senior-patient-nursing-home-1-1-edited.jpg\" alt=\"progresivn\u00ed pln\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu\n\" class=\"wp-image-4719\" srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/unrecognizable-doctor-examining-leg-senior-patient-nursing-home-1-1-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/unrecognizable-doctor-examining-leg-senior-patient-nursing-home-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/unrecognizable-doctor-examining-leg-senior-patient-nursing-home-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/unrecognizable-doctor-examining-leg-senior-patient-nursing-home-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/10\/unrecognizable-doctor-examining-leg-senior-patient-nursing-home-1-1-edited-700x394.jpg 700w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 id=\"kdy-se-progrese-vyplati-a-jak-pojisteni-vybrat\" class=\"wp-block-heading\">Kdy se progrese vyplat\u00ed a jak poji\u0161t\u011bn\u00ed vybrat?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sjedn\u00e1n\u00ed progrese v r\u00e1mci poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f je mo\u017en\u00e9 jen doporu\u010dit. Za vyra\u017een\u00fd zub v\u00e1m progrese pln\u011bn\u00ed nezv\u00fd\u0161\u00ed, finan\u010dn\u011b v\u00e1m ale pom\u016f\u017ee p\u0159eklenout to nejt\u011b\u017e\u0161\u00ed obdob\u00ed, kter\u00e9 m\u016f\u017ee v\u00e1\u017en\u00fd \u00faraz p\u0159in\u00e9st. Poji\u0161t\u011bn\u00ed s progres\u00ed nav\u00fd\u0161\u00ed celkovou cenu poji\u0161t\u011bn\u00ed jen o p\u00e1r korun, ale p\u0159i t\u011b\u017ek\u00e9m \u00farazu je vyplacen\u00e1 \u010d\u00e1stka v\u00fdrazn\u011b vy\u0161\u0161\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed nezapome\u0148te porovnat nastaven\u00ed i podm\u00ednky pln\u011bn\u00ed: od kolika procent poji\u0161\u0165ovna pln\u00ed (od 0,01 nebo 10 % t\u011blesn\u00e9ho po\u0161kozen\u00ed), pojistnou \u010d\u00e1stku, progrese i oce\u0148ovac\u00ed tabulku.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nev\u00edte si s v\u00fdb\u011brem rady? Na RIXO.cz si srovn\u00e1te \u017eivotn\u00ed a \u00farazov\u00e9 poji\u0161t\u011bn\u00ed online b\u011bhem p\u00e1r minut a u ka\u017ed\u00e9 nab\u00eddky uvid\u00edte cenu, rozsah kryt\u00ed, doporu\u010den\u00e9 pojistn\u00e9 \u010d\u00e1stky i v\u00fd\u0161i progrese. A v\u0161emi detaily v\u00e1s provedou na\u0161i specialist\u00e9 \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. Poj\u010fte si ho rovnou srovnat!&nbsp;<\/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:\/\/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 id=\"caste-otazky-a-odpovedi\" class=\"wp-block-heading\">\u010cast\u00e9 ot\u00e1zky o progresivn\u00edm pln\u011bn\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Co je progrese u poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu?<\/strong> N\u00e1soben\u00ed pojistn\u00e9 \u010d\u00e1stky nebo zv\u00fd\u0161en\u00ed procentu\u00e1ln\u00edho ocen\u011bn\u00ed \u00farazu nad r\u00e1mec oce\u0148ovac\u00edch tabulek, kter\u00e9 navy\u0161uje pln\u011bn\u00ed p\u0159i v\u00e1\u017en\u00fdch \u00farazech, zpravidla nad 15 % t\u011blesn\u00e9ho po\u0161kozen\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jak se po\u010d\u00edt\u00e1 progresivn\u00ed pln\u011bn\u00ed?<\/strong> Zp\u016fsob v\u00fdpo\u010dtu se li\u0161\u00ed podle poji\u0161\u0165ovny: n\u00e1sob\u00ed se pojistn\u00e1 \u010d\u00e1stka procentem, ur\u010duje se nav\u00fd\u0161en\u00e9 procento pln\u011bn\u00ed, nebo se pou\u017e\u00edv\u00e1 koeficient.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Od kolika procent po\u0161kozen\u00ed se progrese uplat\u0148uje?<\/strong> U v\u011bt\u0161iny poji\u0161\u0165oven se progrese uplat\u0148uje od 15-20 %, v r\u00e1mci m\u00e9n\u011b z\u00e1va\u017en\u00fdch trval\u00fdch n\u00e1sledk\u016f jde ale jen o m\u00edrn\u00e9 nav\u00fd\u0161en\u00ed pln\u011bn\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jak\u00e1 je maxim\u00e1ln\u00ed progrese?<\/strong> Maxim\u00e1ln\u00ed sjednateln\u00e1 progrese je 1 000 %, tedy desetin\u00e1sobek pojistn\u00e9 \u010d\u00e1stky, kter\u00fd se ale uplatn\u00ed jen p\u0159i nejt\u011b\u017e\u0161\u00edm, 100% t\u011blesn\u00e9m po\u0161kozen\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Zv\u00fd\u0161\u00ed progrese pln\u011bn\u00ed za leh\u010d\u00ed n\u00e1sledky?<\/strong> Ne. Do hranice kolem 15-20 % je pln\u011bn\u00ed line\u00e1rn\u00ed, p\u0159\u00edpadn\u011b nav\u00fd\u0161en\u00e9 jen o jednotky procent. Progrese v\u00fdrazn\u011b nav\u00fd\u0161\u00ed pln\u011bn\u00ed u t\u011b\u017ek\u00fdch trval\u00fdch n\u00e1sledk\u016f \u00faraz\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u00e1\u017en\u00fd \u00faraz m\u016f\u017ee zanechat n\u00e1sledky na cel\u00fd \u017eivot. Pr\u00e1v\u011b tehdy ocen\u00edte poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f \u00farazu. Kolik pen\u011bz od poji\u0161\u0165ovny po t\u011b\u017ek\u00e9m \u00farazu dostanete, z\u00e1le\u017e\u00ed tak\u00e9 na tom, zda m\u00e1te sjednanou takzvanou progresi. Jak progresivn\u00ed pln\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f funguje a jak se po\u010d\u00edt\u00e1?<\/p>\n","protected":false},"author":11,"featured_media":4717,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,8],"tags":[30],"class_list":["post-4709","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\/4709","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=4709"}],"version-history":[{"count":8,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4709\/revisions"}],"predecessor-version":[{"id":4731,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4709\/revisions\/4731"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4717"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4709"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4709"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}