V\u011bk, pohlav\u00ed, rizikovost povol\u00e1n\u00ed…. To v\u0161e poji\u0161\u0165ovny zohled\u0148uj\u00ed u sv\u00fdch klient\u016f. Pro\u010d ale d\u011blaj\u00ed probl\u00e9my i voz\u00ed\u010dk\u00e1\u0159\u016fm?<\/p>\n
Nevidom\u00fd 26let\u00fd Luk\u00e1\u0161 Bro\u017eek z P\u0159elou\u010de si cht\u011bl uzav\u0159\u00edt klasick\u00e9 \u00farazov\u00e9 poji\u0161t\u011bn\u00ed. Neusp\u011bl.
\nD\u016fvod? Pr\u00e1v\u011b jeho posti\u017een\u00ed. „\u0160lo by to, ale za nehor\u00e1zn\u00e9 pen\u00edze. Pojistn\u00e9 by bylo v\u00fdrazn\u011b vy\u0161\u0161\u00ed ne\u017e v p\u0159\u00edpad\u011b, \u017ee bych nem\u011bl \u017e\u00e1dn\u00fd zdravotn\u00ed handicap. Kdy\u017e jsem pak zji\u0161\u0165oval podm\u00ednky v jin\u00fdch poji\u0161\u0165ovn\u00e1ch, narazil jsem na ten sam\u00fd probl\u00e9m. Bu\u010f bych na pojistku nem\u011bl n\u00e1rok v\u016fbec, nebo za tvrd\u00fdch podm\u00ednek,“ posteskl si Bro\u017eek. V P\u0159elou\u010di se \u017eiv\u00ed jako sportovn\u00ed mas\u00e9r a je pln\u011b sob\u011bsta\u010dn\u00fd.
\nPodobn\u011b poho\u0159el i se \u017e\u00e1dost\u00ed o \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. „Poji\u0161\u0165ovny asi vych\u00e1zej\u00ed z toho, \u017ee jako nevidom\u00fd sk\u00fdt\u00e1m vy\u0161\u0161\u00ed riziko \u00farazu,“ posteskl si.
\nBro\u017ek\u016fv p\u0159\u00edpad nen\u00ed zdaleka ojedin\u011bl\u00fd. Na \u00fadajnou diskriminaci zdravotn\u011b posti\u017een\u00fdch u poji\u0161\u0165oven u\u017e l\u00e9ta poukazuje asi nejzn\u00e1m\u011bj\u0161\u00ed \u010desk\u00fd voz\u00ed\u010dk\u00e1\u0159 V\u00e1clav Kr\u00e1sa, p\u0159edseda N\u00e1rodn\u00ed rady osob se zdravotn\u00edm posti\u017een\u00edm. Poji\u0161\u0165ovny s n\u00edm samotn\u00fdm pr\u00e1v\u011b kv\u016fli jeho handicapu odm\u00edtly uzav\u0159\u00edt jak \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, tak i poji\u0161t\u011bn\u00ed hypot\u00e9ky.<\/p>\n
Nemoc to nen\u00ed, ale…<\/p>\n
„\u0158e\u0161ili jsme tento probl\u00e9m i s ministerstvy, ale neusp\u011bli jsme. Nen\u00ed pr\u00fd z\u00e1konn\u00fd zp\u016fsob, jak to o\u0161et\u0159it,“ \u0159ekl Kr\u00e1sa.
\nPoji\u0161\u0165ovny u klient\u016f pou\u017e\u00edvaj\u00ed p\u0159i sjedn\u00e1v\u00e1n\u00ed pojistek r\u016fzn\u00fd metr. Zohled\u0148uj\u00ed nap\u0159\u00edklad jejich v\u011bk, pohlav\u00ed \u010di prod\u011blan\u00e9 nemoci. V dotazn\u00edc\u00edch se ptaj\u00ed na povol\u00e1n\u00ed \u017eadatel\u016f, sportovn\u00ed aktivity \u010di na to, zda kou\u0159\u00ed. Toto je selsk\u00fdm rozumem pochopiteln\u00e9. Jen\u017ee zdravotn\u00ed posti\u017een\u00ed, a\u010dkoliv vlastn\u011b nen\u00ed \u017e\u00e1dnou nemoc\u00ed, zohled\u0148uj\u00ed tak\u00e9. I kdy\u017e to p\u0159\u00edmo nep\u0159iznaj\u00ed. „Ka\u017ed\u00fd klient proch\u00e1z\u00ed p\u0159i vstupu do \u017eivotn\u00edho poji\u0161t\u011bn\u00ed standardn\u00ed procedurou. Ta zahrnuje tak\u00e9 vypln\u011bn\u00ed zdravotn\u00edho dotazn\u00edku, kter\u00fd je n\u00e1sledn\u011b posuzov\u00e1n individu\u00e1ln\u011b. Mo\u017enost\u00ed, jak poji\u0161t\u011bn\u00ed nastavit, je cel\u00e1 \u0159ada, obvykle se na konkr\u00e9tn\u00ed posti\u017een\u00ed mohou vztahovat v poji\u0161t\u011bn\u00ed v\u00fdluky nebo t\u0159eba nen\u00ed mo\u017en\u00e9 sjednat n\u011bkter\u00e9 z po\u017eadovan\u00fdch rizik,“ \u0159ekl nap\u0159\u00edklad mluv\u010d\u00ed \u010cesk\u00e9 poji\u0161\u0165ovny (\u010cP) Tom\u00e1\u0161 Zavoral.
\nPodotkl p\u0159itom, \u017ee vliv na sjedn\u00e1n\u00ed nebo cenu \u017eivotn\u00edho poji\u0161t\u011bn\u00ed maj\u00ed v\u00edce ne\u017e zdravotn\u00ed posti\u017een\u00ed nap\u0159\u00edklad civiliza\u010dn\u00ed choroby.
\nU \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed pak \u010cP podle Zavorala klienty p\u0159ij\u00edm\u00e1 standardn\u011b a jejich zdravotn\u00ed posti\u017een\u00ed m\u016f\u017ee b\u00fdt zohledn\u011bno a\u017e v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti. „Pak zji\u0161\u0165ujeme, zda a jak posti\u017een\u00ed klienta p\u0159isp\u011blo k rozsahu \u00farazu.“<\/p>\n
N\u00e1zory se r\u016fzn\u00ed<\/p>\n
Je toto diskriminace posti\u017een\u00fdch, anebo norm\u00e1ln\u00ed chov\u00e1n\u00ed poji\u0161\u0165oven?A m\u011bl by st\u00e1t do chov\u00e1n\u00ed soukrom\u00fdch \u00fastav\u016f n\u011bjak zas\u00e1hnout?
\nN\u00e1zory na to se r\u016fzn\u00ed, podle V\u00e1clava Kr\u00e1sy je to jednozna\u010dn\u00e1 diskriminace handicapovan\u00fdch. Paradoxn\u011b mluv\u010d\u00ed jeho jeho N\u00e1rodn\u00ed rady osob se zdravotn\u00edm posti\u017een\u00edm a v jedn\u00e9 osob\u011b i zn\u00e1m\u00fd finan\u010dn\u00ed expert Patrik Nacher s n\u00edm ale nesouhlas\u00ed. „V tomto se s Kr\u00e1sou rozch\u00e1z\u00edme. Poji\u0161\u0165ovny se podle m\u00e9ho chovaj\u00ed ekonomicky a logicky. To by tady musela b\u00fdt n\u011bjak\u00e1 st\u00e1tn\u00ed poji\u0161\u0165ovna, aby n\u011bco podobn\u00e9ho garantovala,“ m\u00edn\u00ed.<\/p>\n
Chrudimsk\u00fd den\u00edk<\/p>\n","protected":false},"excerpt":{"rendered":"
V\u011bk, pohlav\u00ed, rizikovost povol\u00e1n\u00ed…. To v\u0161e poji\u0161\u0165ovny zohled\u0148uj\u00ed u sv\u00fdch klient\u016f. Pro\u010d ale d\u011blaj\u00ed probl\u00e9my i voz\u00ed\u010dk\u00e1\u0159\u016fm? Nevidom\u00fd 26let\u00fd Luk\u00e1\u0161 Bro\u017eek z P\u0159elou\u010de si cht\u011bl […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":19202,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10805","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/10805","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10805"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/10805\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/19202"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}