{"id":29152,"date":"2017-09-24T10:54:10","date_gmt":"2017-09-24T08:54:10","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=29152"},"modified":"2017-09-24T10:54:10","modified_gmt":"2017-09-24T08:54:10","slug":"kuraci-si-cim-dal-casteji-za-zivotni-pojistku-priplati","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=29152","title":{"rendered":"Ku\u0159\u00e1ci si \u010d\u00edm d\u00e1l \u010dast\u011bji za \u017eivotn\u00ed pojistku p\u0159iplat\u00ed"},"content":{"rendered":"<p><strong>St\u00e1le v\u00edce poji\u0161\u0165oven posuzuje p\u0159i sjedn\u00e1v\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed klienty podle toho, zda kou\u0159\u00ed. V\u011bt\u0161ina z nich postihuje ku\u0159\u00e1ky rizikovou p\u0159ir\u00e1\u017ekou, n\u011bkter\u00e9 naopak d\u00e1vaj\u00ed slevu neku\u0159\u00e1k\u016fm. Vypl\u00fdv\u00e1 to z ankety mezi nejv\u011bt\u0161\u00edmi tuzemsk\u00fdmi poji\u0161\u0165ovnami.<\/strong><!--more--><\/p>\n<p>Kou\u0159en\u00ed je d\u016fle\u017eit\u00e1 informace pro poji\u0161\u0165ovnu Allianz. &#8222;\u0160t\u00edhl\u00ed neku\u0159\u00e1ci maj\u00ed v Allianz pojistky o pozn\u00e1n\u00ed levn\u011bj\u0161\u00ed. Sleva \u010din\u00ed a\u017e 28 procent. Zat\u00edmco ku\u0159\u00e1k s nadv\u00e1hou zaplat\u00ed 808 korun m\u011bs\u00ed\u010dn\u011b, neku\u0159\u00e1ka s ide\u00e1ln\u00edm BMI (Body Mass Indexem) vyjde poji\u0161t\u011bn\u00ed pouze na 596 korun,&#8220; \u0159ekl \u010cTK mluv\u010d\u00ed poji\u0161\u0165ovny V\u00e1clav B\u00e1lek.<\/p>\n<p>\u010cesk\u00e1 podnikatelsk\u00e1 poji\u0161\u0165ovna p\u0159i hodnocen\u00ed zdravotn\u00edho stavu p\u0159ihl\u00ed\u017e\u00ed k \u0159ad\u011b faktor\u016f, jedn\u00edm z nich je i ku\u0159\u00e1ctv\u00ed. &#8222;Nelze ale pau\u0161\u00e1ln\u011b odpov\u011bd\u011bt, o kolik bude m\u00edt ve v\u00fdsledku ku\u0159\u00e1k poji\u0161t\u011bn\u00ed dra\u017e\u0161\u00ed. Pravd\u011bpodobnost \u00farazu ku\u0159\u00e1ka z\u016fst\u00e1v\u00e1 stejn\u00e1 jako u \u010dlov\u011bka nekou\u0159\u00edc\u00edho, ov\u0161em u v\u00e1\u017en\u00fdch nemoc\u00ed se naopak s mno\u017estv\u00edm vykou\u0159en\u00fdch cigaret zvy\u0161uje,&#8220; upozornila mluv\u010d\u00ed \u010cPP Renata \u010capkov\u00e1.<\/p>\n<p>Kooperativa m\u00e1 ve zdravotn\u00edm dotazn\u00edku dotaz na to, zda je klient ku\u0159\u00e1k. &#8222;Je pro n\u00e1s sp\u00ed\u0161e informativn\u00ed, proto\u017ee i v p\u0159\u00edpad\u011b, \u017ee klient odpov\u00ed kladn\u011b, tak automaticky rizika neomezujeme a ani nenavy\u0161ujeme pojistn\u00e9. K omezen\u00ed rizik p\u0159ikro\u010d\u00edme u ku\u0159\u00e1k\u016f v p\u0159\u00edpad\u011b, \u017ee jsou sledov\u00e1ni pro onemocn\u011bn\u00ed nap\u0159\u00edklad kardiovaskul\u00e1rn\u00edho syst\u00e9mu, plic aj. Pak m\u016f\u017eeme u dan\u00e9ho rizika uplatnit rizikovou p\u0159ir\u00e1\u017eku nebo v\u00fdluky,&#8220; vysv\u011btlil mluv\u010d\u00ed poji\u0161\u0165ovny Milan K\u00e1\u0148a.<\/p>\n<p>Tak\u00e9 v \u010cesk\u00e9 poji\u0161\u0165ovn\u011b je kou\u0159en\u00ed jeden z faktor\u016f, kter\u00e9 hraj\u00ed roli v r\u00e1mci posouzen\u00ed celkov\u00e9ho zdravotn\u00edho stavu, stejn\u011b jako BMI index. Tyto faktory pak mohou p\u0159isp\u011bt k tomu, \u017ee m\u00e1 klient na poji\u0161t\u011bn\u00ed p\u0159ir\u00e1\u017eku. Ta se m\u016f\u017ee pohybovat na \u00farovni od 50 procent, uvedla mluv\u010d\u00ed \u010cP Ivana Buri\u00e1nkov\u00e1.<\/p>\n<p>N\u011bkter\u00e9 poji\u0161\u0165ovny sleduj\u00ed i p\u0159\u00edbuzn\u00e9 klienta. &#8222;Pokud je zachycen v\u00fdskyt takov\u00fdch onemocn\u011bn\u00ed u bl\u00edzk\u00fdch ku\u0159\u00e1ka, ten mus\u00ed po\u010d\u00edtat s p\u0159\u00edplatkem podle \u010detnosti, p\u0159\u00edpadn\u011b s v\u00fdlukou na p\u0159\u00edslu\u0161n\u00e9 choroby. P\u0159ir\u00e1\u017eka se pohybuje v pr\u016fm\u011bru v n\u00edzk\u00fdch des\u00edtk\u00e1ch procent. To z\u00e1le\u017e\u00ed na z\u00e1va\u017enosti nemoc\u00ed, \u010detnosti nebo v\u011bku,&#8220; sd\u011blila mluv\u010d\u00ed poji\u0161\u0165ovny UNIQA Eva Svobodov\u00e1.<\/p>\n<p>Podle pr\u016fzkumu St\u00e1tn\u00edho zdravotnick\u00e9ho \u00fastavu trvale kou\u0159\u00ed 29 procent populace, nejv\u00edce kou\u0159\u00ed ml\u00e1de\u017e od 15 do 24 let. Nej\u010dast\u011bj\u0161\u00edmi souvisej\u00edc\u00edmi diagn\u00f3zami jsou nemoci srdce a c\u00e9v, n\u00e1dorov\u00e1 onemocn\u011bn\u00ed a nemoci spojen\u00e9 s d\u00fdchac\u00edm \u00fastroj\u00edm. &#8222;Kv\u016fli aktivn\u00edmu kou\u0159en\u00ed ro\u010dn\u011b um\u00edr\u00e1 18.000 lid\u00ed,&#8220; uvedla n\u00e1m\u011bstkyn\u011b ministra zdravotnictv\u00ed Lenka Teska Arno\u0161tov\u00e1. Dal\u0161\u00edch 1500 a\u017e 3000 lid\u00ed um\u00edr\u00e1 n\u00e1sledkem kou\u0159en\u00ed pasivn\u00edho.<\/p>\n<p>\u0158ada ku\u0159\u00e1k\u016f p\u0159ed poji\u0161\u0165ovnou sv\u016fj zlozvyk taj\u00ed. V p\u0159\u00edpad\u011b chorob prokazateln\u011b spojen\u00fdch s u\u017e\u00edv\u00e1n\u00edm nikotinu m\u016f\u017ee poji\u0161\u0165ovna odm\u00edtnout pojistn\u00e9 pln\u011bn\u00ed. Mezi klienty poji\u0161\u0165oven b\u00fdv\u00e1 v porovn\u00e1n\u00ed s v\u0161eobecnou statistikou ku\u0159\u00e1k\u016f v\u00fdrazn\u011b m\u00e9n\u011b. To m\u016f\u017ee b\u00fdt na jednu stranu zp\u016fsoben\u00e9 t\u00edm, \u017ee v\u00edce dbaj\u00ed na prevenci chorob a p\u00e9\u010di o sv\u00e9 zdrav\u00ed, ale na druhou stranu m\u016f\u017ee j\u00edt o nepravdiv\u00e9 \u00fadaje v dotazn\u00edc\u00edch.<\/p>\n<p>&#8222;\u0158\u00edd\u00edme se informac\u00ed od klienta, kter\u00fd n\u00e1m p\u0159i sjedn\u00e1v\u00e1n\u00ed pojistn\u00e9ho n\u00e1vrhu uv\u00e1d\u00ed, zda kou\u0159\u00ed a p\u0159\u00edpadn\u011b jak\u00e9 mno\u017estv\u00ed cigaret. Pokud v\u0161ak obdr\u017e\u00edme l\u00e9ka\u0159skou zpr\u00e1vu, ve kter\u00e9 je uveden odli\u0161n\u00fd \u00fadaj, ne\u017e uvedl klient do n\u00e1vrhu, pracujeme s \u00fadajem od l\u00e9ka\u0159e,&#8220; upozornila Tereza K\u016f\u017eelov\u00e1 z poji\u0161\u0165ovny MetLife. V p\u0159\u00edpad\u011b kryt\u00e9 diagn\u00f3zy se s n\u00e1rokem na pojistn\u00e9 pln\u011bn\u00ed dokl\u00e1daj\u00ed v\u017edy posudky a l\u00e9ka\u0159sk\u00e1 dokumentace pacienta, tak\u017ee se na kou\u0159en\u00ed p\u0159ijde. To m\u016f\u017ee m\u00edt za n\u00e1sledek kr\u00e1cen\u00ed pln\u011bn\u00ed a v extr\u00e9mn\u00edch p\u0159\u00edpadech tak\u00e9 odm\u00edtnut\u00ed pln\u011bn\u00ed poji\u0161\u0165ovny, podotkla Svobodov\u00e1.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>St\u00e1le v\u00edce poji\u0161\u0165oven posuzuje p\u0159i sjedn\u00e1v\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed klienty podle toho, zda kou\u0159\u00ed. V\u011bt\u0161ina z nich postihuje ku\u0159\u00e1ky rizikovou p\u0159ir\u00e1\u017ekou, n\u011bkter\u00e9 naopak d\u00e1vaj\u00ed slevu neku\u0159\u00e1k\u016fm. <a class=\"mh-excerpt-more\" href=\"https:\/\/www.invarena.cz\/?p=29152\" title=\"Ku\u0159\u00e1ci si \u010d\u00edm d\u00e1l \u010dast\u011bji za \u017eivotn\u00ed pojistku p\u0159iplat\u00ed\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":16359,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-29152","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zpravy"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/29152","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=29152"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/29152\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/16359"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29152"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29152"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}