{"id":31991,"date":"2019-07-28T22:56:08","date_gmt":"2019-07-28T20:56:08","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=31991"},"modified":"2019-08-06T12:41:36","modified_gmt":"2019-08-06T10:41:36","slug":"jak-pojistit-dite","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=31991","title":{"rendered":"Jak pojistit d\u00edt\u011b"},"content":{"rendered":"

Za\u010dnete-li uva\u017eovat o poji\u0161t\u011bn\u00ed sv\u00e9ho d\u00edt\u011bte, zamyslete se hlavn\u011b nad t\u00edm, jak\u00e1 rizika by m\u011bla zvolen\u00e1 pojistka pokr\u00fdt.<\/strong> <\/p>\n

 <\/p>\n

Obecn\u011b by to m\u011bla b\u00fdt rizika, kter\u00e1 maj\u00ed trval\u00fd \u010di dlouhodob\u00fd vliv na kvalitu \u017eivota d\u00edt\u011bte.<\/p>\n

Jedn\u00e1 se p\u0159edev\u0161\u00edm o riziko v\u00e1\u017en\u00e9ho \u00farazu s n\u00e1sledky, jimi\u017e bude d\u00edt\u011b trp\u011bt trvale nebo po dlouh\u00e1 l\u00e9ta. Mnoz\u00ed se sna\u017e\u00ed sv\u00e9 d\u011bti chr\u00e1nit i p\u0159ed n\u011bkter\u00fdmi v\u00e1\u017en\u00fdmi nemocemi.<\/p>\n

„Ro\u010dn\u011b v \u010cesku dojde k p\u0159ibli\u017en\u011b 200 tis\u00edc\u016fm \u00faraz\u016f d\u011bt\u00ed, kter\u00e9 si vy\u017e\u00e1daj\u00ed n\u00e1slednou hospitalizaci, z toho dva tis\u00edce \u00faraz\u016f zp\u016fsob\u00ed trval\u00e9 n\u00e1sledky. Ze statistik tak\u00e9 vypl\u00fdv\u00e1, \u017ee finan\u010dn\u00ed budoucnost d\u011bt\u00ed ohro\u017euj\u00ed p\u0159edev\u0161\u00edm v\u00e1\u017en\u00e9 nemoci, jako jsou nap\u0159\u00edklad d\u011btsk\u00e1 cukrovka, celiakie, leukemie, rakovina \u010di srde\u010dn\u00ed onemocn\u011bn\u00ed. Mlad\u00ed lid\u00e9 do 19 let pob\u00edraj\u00ed v \u010cesku cca 2100 invalidn\u00edch d\u016fchod\u016f, z toho pouze jedno procento je z d\u016fvodu \u00farazu,“ uvedl Du\u0161an \u0160\u00eddlo ze spole\u010dnosti Broker Trust.<\/p>\n

„Nejz\u00e1va\u017en\u011bj\u0161\u00ed rizika by m\u011bla b\u00fdt poji\u0161t\u011bna po celou dobu d\u011btstv\u00ed a dosp\u00edv\u00e1n\u00ed s dostate\u010dn\u011b vysok\u00fdmi pojistn\u00fdmi \u010d\u00e1stkami. Ostatn\u00ed lze pr\u016fb\u011b\u017en\u011b upravovat v z\u00e1vislosti na v\u011bku, zam\u011b\u0159en\u00ed, \u017eivotn\u00edch etap\u00e1ch a aktivit\u00e1ch,“ sd\u011blila Eva Svobodov\u00e1 z poji\u0161\u0165ovny UNIQA. .<\/p>\n

P\u0159i nastaven\u00ed v\u00fd\u0161e pojistn\u00e9 \u010d\u00e1stky je t\u0159eba zv\u00e1\u017eit v\u0161echny ud\u00e1losti, kter\u00e9 pro d\u00edt\u011b budou p\u0159edstavovat velmi z\u00e1va\u017en\u00fd nebo chorobn\u00fd zdravotn\u00ed handicap. P\u0159edev\u0161\u00edm je t\u0159eba se zamyslet nad \u010dasov\u00fdm horizontem takov\u00e9 z\u00e1t\u011b\u017ee.<\/p>\n

Rodi\u010d\u016fm d\u011bt\u00ed, kter\u00e9 onemocn\u00ed, sice pom\u00e1h\u00e1 st\u00e1t, ov\u0161em na jeho pomoc se d\u00e1 spol\u00e9hat pouze do ur\u010dit\u00e9 m\u00edry. Nap\u0159\u00edklad o\u0161et\u0159ovn\u00e9 d\u011bt\u00ed mlad\u0161\u00edch 16 let se rodi\u010d\u016fm vypl\u00e1c\u00ed jen po dobu dev\u00edti dn\u016f (resp. 16 dn\u016f u samo\u017eivitel\u016f). N\u00e1rok na tuto d\u00e1vku maj\u00ed ale jen zam\u011bstnanci, \u017eivnostn\u00edci ji \u010derpat nemohou.<\/p>\n

Rodi\u010de mohou od st\u00e1tu \u010derpat i dlouhodob\u00e9 o\u0161et\u0159ovn\u00e9, kter\u00e9 je vypl\u00e1ceno maxim\u00e1ln\u011b po dobu 90 dn\u016f p\u00e9\u010de o d\u00edt\u011b, kter\u00e9 m\u00e1 za sebou minim\u00e1ln\u011b sedm dn\u00ed hospitalizace a z\u00e1rove\u0148 nelze p\u0159edpokl\u00e1dat, \u017ee se jeho stav zlep\u0161\u00ed d\u0159\u00edv ne\u017e za m\u011bs\u00edc. V\u00fd\u0161e d\u00e1vek je pak z\u00e1visl\u00e1 na hrub\u00e9m p\u0159\u00edjmu rodi\u010d\u016f.<\/p>\n

Dal\u0161\u00ed d\u00e1vkou je i p\u0159\u00edsp\u011bvek na p\u00e9\u010di, kter\u00fd je odstup\u0148ov\u00e1n podle z\u00e1vislosti d\u00edt\u011bte do \u010dty\u0159 kategori\u00ed, jeho v\u00fd\u0161e se pohybuje od 3300 do 13 200 korun m\u011bs\u00ed\u010dn\u011b.<\/p>\n

I kdy\u017e se st\u00e1t sna\u017e\u00ed rodi\u010d\u016fm nemocn\u00fdch d\u011bt\u00ed zm\u00edrnit finan\u010dn\u00ed dopady jejich onemocn\u011bn\u00ed na rodinn\u00fd rozpo\u010det, v mnoha p\u0159\u00edpadech to nesta\u010d\u00ed.<\/p>\n

„Doporu\u010dujeme proto nastavit pojistn\u00e9 \u010d\u00e1stky alespo\u0148 v \u0159\u00e1du p\u016fl milionu korun. Rozhodnete-li se pojistit denn\u00ed d\u00e1vky za dobu hospitalizace, doporu\u010dujeme \u010d\u00e1stku v \u0159\u00e1du n\u011bkolika stokorun,“ uvedla Svobodov\u00e1.<\/p>\n

N\u011bkte\u0159\u00ed rodi\u010de p\u0159i sjedn\u00e1v\u00e1n\u00ed pojistky pro d\u00edt\u011b up\u0159ednostn\u00ed ty, ve kter\u00fdch p\u0159eva\u017euje spo\u0159ic\u00ed slo\u017eka, s dobr\u00fdm \u00famyslem, \u017ee je d\u00edt\u011b poji\u0161t\u011bno a z\u00e1rove\u0148 mu i n\u011bco naspo\u0159\u00ed.
\nBohu\u017eel takov\u00e9 pojistky jsou ale nakonec mnohem dra\u017e\u0161\u00ed, ne\u017e kdyby rodi\u010de d\u00edt\u011bti sjednali n\u011bkter\u00fd z klasick\u00fdch spo\u0159ic\u00edch produkt\u016f. A co je z\u00e1va\u017en\u011bj\u0161\u00ed, \u010dasto dostate\u010dn\u011b nekryj\u00ed z\u00e1va\u017en\u00e1 rizika. „Ide\u00e1ln\u011b by m\u011blo b\u00fdt d\u011btsk\u00e9 poji\u0161t\u011bn\u00ed bez n\u00e1kladn\u00e9 investi\u010dn\u00ed slo\u017eky,“ doporu\u010dil \u0160\u00eddlo.<\/p>\n

Pokud m\u00e1te sjedn\u00e1no spole\u010dn\u00e9 rodinn\u00e9 poji\u0161t\u011bn\u00ed s dostate\u010dn\u00fdm kryt\u00edm pro v\u0161echny fat\u00e1ln\u00ed ud\u00e1losti v rodin\u011b, m\u016f\u017eete v jeho r\u00e1mci pokr\u00fdt i rizika d\u011bt\u00ed. V takov\u00e9m p\u0159\u00edpad\u011b nen\u00ed t\u0159eba sjedn\u00e1vat extra poji\u0161t\u011bn\u00ed pro d\u00edt\u011b.
\n„D\u011btsk\u00e1 poji\u0161t\u011bn\u00ed maj\u00ed smysl zejm\u00e9na po pr\u00e1vn\u00ed a mor\u00e1ln\u00ed str\u00e1nce, prost\u0159edky z n\u011bj jsou vymezeny pom\u011brn\u011b p\u0159esn\u011b a jsou v\u00e1z\u00e1ny na dan\u00fd \u00fa\u010del. Umo\u017e\u0148uj\u00ed tak d\u00edt\u011bti ur\u010ditou nez\u00e1vislost na aktu\u00e1ln\u00ed situaci v rodin\u011b,“ dodala Svobodov\u00e1.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Za\u010dnete-li uva\u017eovat o poji\u0161t\u011bn\u00ed sv\u00e9ho d\u00edt\u011bte, zamyslete se hlavn\u011b nad t\u00edm, jak\u00e1 rizika by m\u011bla zvolen\u00e1 pojistka pokr\u00fdt.<\/p>\n<\/div>","protected":false},"author":1,"featured_media":19486,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-31991","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-poradna"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/31991","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=31991"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/31991\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/19486"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31991"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31991"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31991"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}