{"id":21690,"date":"2015-06-10T08:24:05","date_gmt":"2015-06-10T06:24:05","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=21690"},"modified":"2015-06-10T08:24:05","modified_gmt":"2015-06-10T06:24:05","slug":"swiss-re-vetsina-evropanu-nema-dostatecne-zajisteni-invalidity","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=21690","title":{"rendered":"Swiss Re: V\u011bt\u0161ina Evropan\u016f nem\u00e1 dostate\u010dn\u00e9 zaji\u0161t\u011bn\u00ed invalidity"},"content":{"rendered":"<p><strong>Ne\u010dekan\u00e1 kritick\u00e1 onemocn\u011bn\u00ed nebo zdravotn\u00ed posti\u017een\u00ed mohou m\u00edt velmi v\u00e1\u017en\u00e9 d\u016fsledky nejen pro jednotlivce, ale tak\u00e9 pro rodiny posti\u017een\u00fdch. Nicm\u00e9n\u011b pokud by k takov\u00e9 situaci do\u0161lo,\u00a0v\u011bt\u0161ina Evropan\u016f nem\u00e1 dostate\u010dnou finan\u010dn\u00ed ochranu.<\/strong><\/p>\n<p><!--more--><\/p>\n<p>ilustra\u010dn\u00ed foto: Photorack<\/p>\n<p>Podle zpr\u00e1vy Swiss Re, European Insurance Report 2015, by lid\u00e9 ze 13 zem\u00ed, kte\u0159\u00ed se z\u00fa\u010dastnili pr\u016fzkumu, pokryli\u00a0v\u00a0p\u0159\u00edpad\u011b pln\u00e9 invalidity pouze\u00a040 % ve\u0161ker\u00fdch v\u00fddaj\u016f. Jsme sv\u011bdky trendu postupn\u00e9ho odeb\u00edr\u00e1n\u00ed st\u00e1tn\u00edch soci\u00e1ln\u00edch d\u00e1vek, a to bude d\u00e1le klesat. Ji\u017e dnes dosahuje\u00a0celkov\u00fd schodek v\u00a0invalidn\u00edm poji\u0161t\u011bn\u00ed ve v\u00fd\u0161i 750 miliard eur.<\/p>\n<p>Zpr\u00e1va Swiss Re je zalo\u017eena na pr\u016fzkumu \u010d\u00edtaj\u00edc\u00ed 13\u00a0000 lid\u00ed ze 13 zem\u00ed Evropy a St\u0159edn\u00edho v\u00fdchodu. Pr\u016fzkum vypov\u00edd\u00e1 o p\u0159\u00edstupu k\u00a0produkt\u016fm \u017eivotn\u00edho a zdravotn\u00edho poji\u0161t\u011bn\u00ed v\u00a0m\u00edst\u011b, kde maj\u00ed lid\u00e9 mezery v\u00a0ochran\u011b. C\u00edlem je se soust\u0159edit na mo\u017en\u00e1 \u0159e\u0161en\u00ed, kter\u00e9 bych pomohly s\u00a0finan\u010dn\u00edmi probl\u00e9my zp\u016fsoben\u00e9 n\u00e1hl\u00fdm posti\u017een\u00edm nebo v\u00e1\u017enou nemoc\u00ed.<\/p>\n<p>\u201eI kdy\u017e si lid\u00e9 v\u00a0pr\u016fzkumu byli v\u011bdomi mo\u017en\u00e9ho dopadu, kter\u00fd by je postihl, je jich st\u00e1le mnoho odk\u00e1z\u00e1no bez dostate\u010dn\u00e9 ochrany na soci\u00e1ln\u00ed d\u00e1vky od st\u00e1tu,\u201c \u0159\u00edk\u00e1 Bruce Hodkinson, \u0159editel evropsk\u00e9ho \u017eivotn\u00edho a zdravotn\u00edho zaji\u0161t\u011bn\u00ed. \u201eBohu\u017eel\u00a0st\u00e1ty st\u00e1le soci\u00e1ln\u00ed d\u00e1vky\u00a0sni\u017euj\u00ed. St\u00e1rnut\u00ed obyvatel a rostouc\u00ed n\u00e1klady na zdravotn\u00ed p\u00e9\u010di vyv\u00edj\u00ed tlak na jejich rozpo\u010dty. Poji\u0161\u0165ovnictv\u00ed m\u00e1 za \u00fakol umo\u017enit p\u0159echod od st\u00e1tn\u00edho ustanoven\u00ed k\u00a0individu\u00e1ln\u00ed odpov\u011bdnosti.<\/p>\n<p>Zpr\u00e1va Swiss Re rovn\u011b\u017e zkoum\u00e1 ekonomick\u00e9 a demografick\u00e9 faktory, kter\u00e9 se v\u00e1\u017eou na ochrann\u00fd syst\u00e9m, kter\u00fd je vysoce z\u00e1visl\u00fd na podpo\u0159e st\u00e1tu. St\u00e1rnouc\u00ed populace, ni\u017e\u0161\u00ed porodnost a roz\u0161i\u0159uj\u00edc\u00ed se n\u00e1klady na zdravotn\u00ed p\u00e9\u010di vyz\u00fdvaj\u00ed k zachov\u00e1n\u00ed st\u00e1vaj\u00edc\u00edch syst\u00e9m\u016f ochrany. P\u0159id\u00e1v\u00e1 se tak\u00e9 pot\u0159eba jednotlivce p\u0159evz\u00edt v\u011bt\u0161\u00ed odpov\u011bdnosti za soukrom\u00e9 poskytov\u00e1n\u00ed zdravotn\u00ed p\u00e9\u010de nebo budou \u010delit masivn\u00edmu sn\u00ed\u017een\u00ed \u00farovn\u011b zdravotn\u00edch slu\u017eeb.<\/p>\n<p>K\u00a0tomu, aby zaji\u0161\u0165ovny pota\u017emo poji\u0161\u0165ovny zv\u00fd\u0161ily na evropsk\u00e9m trhu sv\u00e9 \u00fasil\u00ed na kryt\u00ed finan\u010dn\u00edch rizik, je t\u0159eba v\u00edce ch\u00e1pat, kdy a pro\u010d se lid\u00e9 rozhodnou po\u0159\u00eddit\u00a0si soukrom\u00e9 kryt\u00ed. Zpr\u00e1va obsahuje n\u011bkolik hloubkov\u00fdch anal\u00fdz t\u00fdkaj\u00edc\u00ed se spot\u0159ebitelsk\u00fdch ot\u00e1zek, nap\u0159\u00edklad jak spot\u0159ebitel\u00e9 vn\u00edmaj\u00ed mo\u017enost, \u017ee by onemocn\u011bli a jak se v\u00edce zab\u00fdvat relevantn\u00edmi produkty pro jednotliv\u00e9 f\u00e1ze \u017eivota.<\/p>\n<p>V\u00fdkonn\u00fd \u0159editel zaji\u0161t\u011bn\u00ed pro EMEA \u0159\u00edk\u00e1: \u201eLid\u00e9 nekupuj\u00ed univerz\u00e1ln\u00ed produkt na cel\u00fd jejich \u017eivot, ale cht\u011bj\u00ed\u00a0r\u016fznou \u00farove\u0148 kryt\u00ed, proto\u017ee se zdravotn\u00ed obavy nap\u0159\u00ed\u010d cel\u00fdm \u017eivotem li\u0161\u00ed. \u00dakolem zaji\u0161\u0165oven a poji\u0161\u0165oven je zajistit ve\u0161ker\u00e9 jejich pot\u0159eby.&#8220;<\/p>\n<p class=\"article-detail-source\"><a href=\"http:\/\/www.opojisteni.cz\/pojistovny\/zajistovny\/swiss-re-vetsina-evropanu-nema-dostatecne-zajisteni-invalidity\/\">oPoji\u0161t\u011bn\u00ed.cz<\/a><br \/>\n<strong>Zdroj: Swiss Re<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Ne\u010dekan\u00e1 kritick\u00e1 onemocn\u011bn\u00ed nebo zdravotn\u00ed posti\u017een\u00ed mohou m\u00edt velmi v\u00e1\u017en\u00e9 d\u016fsledky nejen pro jednotlivce, ale tak\u00e9 pro rodiny posti\u017een\u00fdch. Nicm\u00e9n\u011b pokud by k takov\u00e9 situaci <a class=\"mh-excerpt-more\" href=\"https:\/\/www.invarena.cz\/?p=21690\" title=\"Swiss Re: V\u011bt\u0161ina Evropan\u016f nem\u00e1 dostate\u010dn\u00e9 zaji\u0161t\u011bn\u00ed invalidity\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":14319,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-21690","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\/21690","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=21690"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/21690\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/14319"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21690"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21690"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21690"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}