{"id":3834,"date":"2013-04-16T09:50:20","date_gmt":"2013-04-16T07:50:20","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=3834"},"modified":"2014-10-20T20:13:50","modified_gmt":"2014-10-20T18:13:50","slug":"kourite-moc-jite-tudiz-zaplatite-vic","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=3834","title":{"rendered":"Kou\u0159\u00edte, moc j\u00edte, tud\u00ed\u017e zaplat\u00edte v\u00edc"},"content":{"rendered":"

P\u0159i sjedn\u00e1v\u00e1n\u00ed \u017eivotn\u00ed pojistky to mnohdy i hendikepovan\u00e9 sv\u00e1d\u00ed zaml\u010det n\u011bkter\u00e9 nemoci nebo nectnosti. Ob\u010das k tomu nen\u00e1padn\u011b nab\u00e1d\u00e1 i poji\u0161\u0165ov\u00e1k, kter\u00fd chce smlouvu uzav\u0159\u00edt. Lh\u00e1t se v\u0161ak rozhodn\u011b nevyplat\u00ed.<\/strong><\/p>\n

<\/p>\n

Z intenzity televizn\u00edch reklam, nab\u00eddek internetov\u00fdch porovn\u00e1va\u010d\u016f cen a telefon\u00e1t\u016f finan\u010dn\u00edch poradc\u016f by \u010dlov\u011bk nabyl dojmu, \u017ee nen\u00ed nic snaz\u0161\u00edho ne\u017e si po\u0159\u00eddit \u017eivotn\u00ed pojistku a p\u0159\u00edpadn\u011b i trochu usmlouvat cenu. Jen\u017ee skute\u010dnost je pon\u011bkud slo\u017eit\u011bj\u0161\u00ed. Nejlevn\u011bj\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed si po\u0159\u00edd\u00edte, kdy\u017e jste mlad\u00fd, zdrav\u00fd a pracujete sp\u00ed\u0161 hlavou ne\u017e rukama.<\/p>\n

Navrhovan\u00e1 cena se m\u016f\u017ee zm\u011bnit<\/strong><\/p>\n

Kdy\u017e podepisujete s poji\u0161\u0165ovac\u00edm poradcem formul\u00e1\u0159, je to takzvan\u00fd n\u00e1vrh smlouvy.<\/p>\n

Krom\u011b toho, \u017ee si domlouv\u00e1te pojistn\u00e1 nebezpe\u010d\u00ed, kter\u00e1 bude dokument pokr\u00fdvat, a v\u00fd\u0161i pojistn\u00fdch \u010d\u00e1stek, mus\u00edte prozradit i mnoh\u00e9 o sob\u011b. Na jak\u00e9 pozici pracujete, jestli sportujete a jak jste na tom se zdravotn\u00edm stavem.<\/p>\n

Sport v mal\u00e9 m\u00ed\u0159e nevad\u00ed, ale jakmile jste registrovan\u00fd sportovec, mnoh\u00e9 poji\u0161\u0165ovny v\u00e1m nasad\u00ed vy\u0161\u0161\u00ed cenu. A ne\u0159e\u0161\u00ed p\u0159itom, jestli vyr\u00e1\u017e\u00edte ka\u017ed\u00fd t\u00fdden na z\u00e1vody, \u010di je va\u0161e registrace sp\u00ed\u0161 jen vyj\u00e1d\u0159en\u00edm sympati\u00ed k n\u011bjak\u00e9mu sportovn\u00edmu odd\u00edlu.<\/p>\n

N\u00edzk\u00e9 pojistky nejsou komplikovan\u00e9<\/strong><\/p>\n

Kdy\u017e si lid\u00e9 po\u0159izuj\u00ed pojistku hlavn\u011b kv\u016fli spo\u0159en\u00ed \u010di da\u0148ov\u00fdm zv\u00fdhodn\u011bn\u00edm, obvykle stanovuj\u00ed co nejni\u017e\u0161\u00ed mo\u017enou pojistnou \u010d\u00e1stku, aby poji\u0161\u0165ovn\u011b neplatili zbyte\u010dn\u011b za kryt\u00ed rizik. \u00dapln\u011b bez pojistn\u00e9 \u010d\u00e1stky v\u0161ak poji\u0161t\u011bn\u00ed sjednat nelze. Jednotliv\u00e9 finan\u010dn\u00ed \u00fastavy u sv\u00fdch produkt\u016f stanovuj\u00ed minima, pod kter\u00e1 nelze j\u00edt. Takov\u00e9 minimum m\u016f\u017ee b\u00fdt 10 000 korun, ale tak\u00e9 150 000 korun.<\/p>\n

U pojistek na n\u00edzk\u00e9 \u010d\u00e1stky obvykle posta\u010duje, kdy\u017e klient v n\u00e1vrhu za\u0161krtne kolonku s \u010destn\u00fdm prohl\u00e1\u0161en\u00edm, \u017ee netrp\u00ed \u017e\u00e1dn\u00fdm chronick\u00fdm onemocn\u011bn\u00edm.<\/p>\n

Kdo si kupuje pojistnou \u010d\u00e1stku vy\u0161\u0161\u00ed, odpov\u00edd\u00e1 obvykle na n\u011bkolik ot\u00e1zek o sv\u00e9m zdrav\u00ed. Nap\u0159\u00edklad Kooperativa m\u00e1 pro pojistn\u00e9 \u010d\u00e1stky od 100 001 koruny do 500 000 korun zkr\u00e1cenou verzi dotazn\u00edku s p\u011bti ot\u00e1zkami.<\/p>\n

Kdy\u017e jsou v\u0161echny odpov\u011bdi z\u00e1porn\u00e9 (nem\u00e1m epilepsii, nel\u00e9\u010d\u00edm se, nejsem tlust\u00fd…), m\u016f\u017ee klient pojistku hned uzav\u0159\u00edt.<\/p>\n

Pokud v\u0161ak na n\u011bkterou ot\u00e1zku odpov\u00ed kladn\u011b, nebo se poji\u0161\u0165uje na hodn\u011b pen\u011bz, mus\u00ed se prokousat podrobn\u00fdm zdravotn\u00edm dotazn\u00edkem, uv\u00e9st kontakty na sv\u00e9 o\u0161et\u0159uj\u00edc\u00ed l\u00e9ka\u0159e a d\u00e1t poji\u0161\u0165ovn\u011b souhlas, aby si u nich vy\u017e\u00e1dala informace o jeho zdravotn\u00edm stavu.<\/p>\n

Je-li pojistn\u00e1 \u010d\u00e1stka extr\u00e9mn\u011b vysok\u00e1, poji\u0161\u0165ovna klienta dokonce po\u0161le na prohl\u00eddku ke sv\u00e9mu posudkov\u00e9mu l\u00e9ka\u0159i. A\u017e pak se definitivn\u011b stanovuje cena poji\u0161t\u011bn\u00ed.<\/p>\n

Jestli\u017ee poji\u0161\u0165ovna najde ve va\u0161ich zdravotn\u00edch z\u00e1znamech n\u011bjak\u00fd probl\u00e9m, existuj\u00ed dv\u011b \u0159e\u0161en\u00ed: bu\u010f v\u00e1m navrhne pojistku za vy\u0161\u0161\u00ed cenu, nebo vylou\u010d\u00ed ur\u010ditou oblast z pojistn\u00e9ho kryt\u00ed.<\/p>\n

I elektronick\u00e1 cigareta je kou\u0159en\u00ed <\/strong><\/p>\n

Sou\u010d\u00e1st\u00ed zdravotn\u00edho dotazn\u00edku je t\u00e9m\u011b\u0159 v\u017edy ot\u00e1zka, zda je klient ku\u0159\u00e1k, \u010di neku\u0159\u00e1k, p\u0159\u00edpadn\u011b up\u0159esn\u011bn\u00ed, kolik cigaret vykou\u0159\u00ed. Ku\u0159\u00e1ky poji\u0161\u0165ovny posuzuj\u00ed jako rizikov\u011bj\u0161\u00ed z\u00e1kazn\u00edky a zdra\u017euj\u00ed jim pojistn\u00e9.<\/p>\n

Rozd\u00edln\u011b se posuzuj\u00ed modern\u00ed elektronick\u00e9 cigarety. Nap\u0159\u00edklad ING poji\u0161\u0165ovna bere lidi, kte\u0159\u00ed je pou\u017e\u00edvaj\u00ed, jako ku\u0159\u00e1ky, Uniqa je m\u00e1 v kolonce b\u00fdval\u00fd ku\u0159\u00e1k. Cena pojistky m\u016f\u017ee ku\u0159\u00e1k\u016fm stoupnout a\u017e o 100 procent, samoz\u0159ejm\u011b z\u00e1le\u017e\u00ed i na tom, jestli se \u010dlov\u011bk sou\u010dasn\u011b l\u00e9\u010d\u00ed t\u0159eba s astmatem.<\/p>\n

Rozhodn\u011b se nevypl\u00e1c\u00ed poji\u0161\u0165ovn\u011b sv\u00e9 ku\u0159\u00e1ctv\u00ed zap\u0159\u00edt, by\u0165 jste p\u0159esv\u011bd\u010deni, \u017ee letos u\u017e toho opravdu nech\u00e1te. Kdyby toti\u017e nastala pojistn\u00e1 ud\u00e1lost a p\u0159i\u0161lo se na to, \u017ee jste v dotazn\u00edku lhali, poji\u0161\u0165ovna m\u00e1 pr\u00e1vo sn\u00ed\u017eit vypl\u00e1cen\u00e9 pojistn\u00e9 pln\u011bn\u00ed, nebo dokonce \u017e\u00e1dn\u00e9 nedat.<\/p>\n

Policist\u016fm a voj\u00e1k\u016fm se vyplat\u00ed hledat <\/strong><\/p>\n

Policista se zbran\u00ed a u\u010ditelka v mate\u0159sk\u00e9 \u0161kole rozhodn\u011b nebudou m\u00edt tu samou sazbu pojistn\u00e9ho. Nap\u0159\u00edklad u ING zaplat\u00ed policista 1,5kr\u00e1t tolik. Stejn\u011b jako t\u0159eba truhl\u00e1\u0159 \u010di profesion\u00e1ln\u00ed \u0159idi\u010d n\u00e1kladn\u00edho auta.<\/p>\n

Poji\u0161\u0165ovny \u010dlen\u00ed povol\u00e1n\u00ed do n\u011bkolika rizikov\u00fdch skupin, obvykle b\u00fdvaj\u00ed t\u0159i a\u017e \u010dty\u0159i. Ka\u017ed\u00e1 do nich za\u0159azuje profese podle vlastn\u00edch pravidel, a tak se m\u016f\u017ee st\u00e1t, \u017ee pro n\u011bkoho je t\u0159eba povol\u00e1n\u00ed taxik\u00e1\u0159e vysoce rizikov\u00e9, pro jin\u00e9ho ne.<\/p>\n

Mlad\u00e1 fronta Dnes<\/p>\n

Jolana Nov\u00e1kov\u00e1<\/p>\n","protected":false},"excerpt":{"rendered":"

P\u0159i sjedn\u00e1v\u00e1n\u00ed \u017eivotn\u00ed pojistky to mnohdy i hendikepovan\u00e9 sv\u00e1d\u00ed zaml\u010det n\u011bkter\u00e9 nemoci nebo nectnosti. Ob\u010das k tomu nen\u00e1padn\u011b nab\u00e1d\u00e1 i poji\u0161\u0165ov\u00e1k, kter\u00fd chce smlouvu uzav\u0159\u00edt. […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3834","post","type-post","status-publish","format-standard","hentry","category-nezarazene"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/3834","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=3834"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/3834\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3834"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3834"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3834"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}