{"id":4435,"date":"2013-05-04T10:39:10","date_gmt":"2013-05-04T08:39:10","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=4435"},"modified":"2013-05-04T11:15:47","modified_gmt":"2013-05-04T09:15:47","slug":"sjednaji-pojistovny-handicapovanym-pojisteni","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=4435","title":{"rendered":"Sjednaj\u00ed poji\u0161\u0165ovny handicapovan\u00fdm poji\u0161t\u011bn\u00ed?"},"content":{"rendered":"

Hroz\u00ed posti\u017een\u00e9mu \u010dlov\u011bku, \u017ee i kdy\u017e bude m\u00edt sjednanou smlouvu na \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, v p\u0159\u00edpad\u011b, \u017ee se mu n\u011bco stane, nedostane od poji\u0161\u0165ovny nic? A sjednaj\u00ed poji\u0161\u0165ovny v\u016fbec s handicapovan\u00fdm poji\u0161t\u011bn\u00ed? Zjistili jsme pro V\u00e1s odpov\u011bdi.<\/strong>
\n
\nSetkal se s t\u00edm u\u017e asi ka\u017ed\u00fd. M\u00e1te \u0159\u00e1dn\u011b uzav\u0159enou smlouvu s poji\u0161\u0165ovnou, a kdy\u017e se dostanete do situace, kdy hodl\u00e1te uplat\u0148ovat n\u00e1rok na vyplacen\u00ed pojistn\u00e9ho, poji\u0161\u0165ovna se za\u010dne „cukat“. Sna\u017e\u00ed se naj\u00edt cokoli, jen aby V\u00e1m nemusela nic vyplatit. U handicapovan\u00fdch lid\u00ed toto riziko enormn\u011b vzr\u016fst\u00e1. Jak ho tedy alespo\u0148 trochu sn\u00ed\u017eit?<\/p>\n

Z\u00e1kladn\u00edm stavebn\u00edm kamenem dob\u0159e uzav\u0159en\u00e9ho poji\u0161t\u011bn\u00ed jsou pravdiv\u011b uveden\u00e9 \u00fadaje, v p\u0159\u00edpad\u011b \u00farazov\u00e9ho \u010di \u017eivotn\u00edho poji\u0161t\u011bn\u00ed hlavn\u011b \u00fadaje o zdravotn\u00edm stavu. V \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b nesm\u00edte do dotazn\u00edku poji\u0161\u0165ovny zapomenout uv\u00e9st v\u0161e podstatn\u00e9. Pokud to neud\u011bl\u00e1te, tak si sice budete t\u0159eba dlouh\u00e9 roky platit m\u011bs\u00ed\u010dn\u011b poji\u0161t\u011bn\u00ed, ale a\u017e se V\u00e1m n\u011bco stane, nedostanete nic.<\/p>\n

Lh\u00e1t se nevyplat\u00ed. Pokud toti\u017e poji\u0161\u0165ovna i dodate\u010dn\u011b zjist\u00ed, \u017ee klient uvedl nepravdiv\u00e9 \u00fadaje, m\u016f\u017ee od smlouvy bez n\u00e1hrady odstoupit a dosud zaplacen\u00e9 pojistn\u00e9 si ponech\u00e1.<\/p>\n

Jak d\u016fle\u017eit\u00e9 je p\u0159i sjedn\u00e1v\u00e1n\u00ed smlouvy \u0159\u00edct v\u0161e pravdiv\u011b, vysv\u011btluje i mluv\u010d\u00ed Allianz poji\u0161\u0165ovny Dagmar Koutsk\u00e1: „Pokud byl \u010dlov\u011bk p\u0159ijat do poji\u0161t\u011bn\u00ed na z\u00e1klad\u011b pravdiv\u011b a \u00fapln\u011b uveden\u00fdch \u00fadaj\u016f v pojistn\u00e9 smlouv\u011b, pak nen\u00ed d\u016fvod pro neposkytnut\u00ed pojistn\u00e9ho pln\u011bn\u00ed.“<\/p>\n

Pokud je zdravotn\u00ed stav komplikovan\u011bj\u0161\u00ed, p\u0159ikl\u00e1d\u00e1 se i l\u00e9ka\u0159sk\u00e1 zpr\u00e1va \u010di v\u00fdpis ze zdravotn\u00ed karty. V\u0161echny poji\u0161\u0165ovny zkoumaj\u00ed zejm\u00e9na nemoci, jako jsou epilepsie, cukrovka, nemoci zraku, nemoci kloub\u016f a pohybov\u00e9ho apar\u00e1tu.<\/p>\n

Lid\u00e9 si \u010dasto mysl\u00ed, \u017ee uzav\u0159ou smlouvu, budou \u0159\u00e1dn\u011b platit a t\u00edm to pro n\u011b kon\u010d\u00ed. Opak je pravdou. O sv\u00e1 poji\u0161t\u011bn\u00ed by se \u010dlov\u011bk m\u011bl starat. Mus\u00ed uv\u00e1d\u011bt ka\u017ed\u00e9 zm\u011bny, kter\u00e9 se ud\u00e1ly. Poji\u0161\u0165ovny to za V\u00e1s neud\u011blaj\u00ed, ani to nen\u00ed v jejich z\u00e1jmu.<\/p>\n

Poji\u0161\u0165ovna V\u00e1m dokonce ani sama nenavrhne zru\u0161en\u00ed smlouvy, v p\u0159\u00edpad\u011b, \u017ee V\u00e1\u0161 zdravotn\u00ed stav se zm\u011bn\u00ed natolik, \u017ee by V\u00e1m v p\u0159\u00edpad\u011b \u00farazu nic nedala.<\/p>\n

O tom vypov\u00edd\u00e1 p\u0159\u00edklad pan\u00ed, kter\u00e1 m\u011bla sjednan\u00e9 \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, ale propukla u n\u00ed psychick\u00e1 nemoc. Hrani\u010dn\u00ed porucha osobnosti. Nahl\u00e1sila zm\u011bnu zdravotn\u00edho stavu na poji\u0161\u0165ovn\u011b, kde si to jen uvedli do zdravotn\u00edho dotazn\u00edku. Pozd\u011bji v\u0161ak zjistila, \u017ee j\u00ed v p\u0159\u00edpad\u011b, \u017ee by m\u011bla \u00faraz, s uvedenou diagn\u00f3zou poji\u0161\u0165ovna nic nevyplat\u00ed. Musela tedy sama j\u00edt zru\u0161it smlouvu.<\/p>\n

Je velice pravd\u011bpodobn\u00e9, \u017ee kdy\u017e budete pravdiv\u011b uv\u00e1d\u011bt v\u0161e o sv\u00e9m zdravotn\u00edm stavu,\u00a0 poji\u0161\u0165ovna v\u00e1s odm\u00edtne pojistit. Je to ale asi lep\u0161\u00ed, ne\u017e j\u00ed jen platit a v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti nic nedostat. Anebo poji\u0161\u0165ovna smlouvu uzav\u0159e, ale klient bude platit vy\u0161\u0161\u00ed pojistn\u00e9.<\/p>\n

Rizikov\u00e9 skupiny<\/strong><\/p>\n

Obecn\u011b plat\u00ed, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed rizikovost pro \u00faraz poji\u0161\u0165ovna klientovi p\u0159isoud\u00ed, t\u00edm vy\u0161\u0161\u00ed pojistn\u00e9 bude platit. Rizikov\u00e9 skupiny si poji\u0161\u0165ovny samy t\u0159\u00edd\u00ed na z\u00e1klad\u011b povol\u00e1n\u00ed nebo aktivit klienta. Obvykle b\u00fdvaj\u00ed t\u0159i. Prvn\u00ed nejm\u00e9n\u011b rizikov\u00e1 jsou p\u0159edev\u0161\u00edm lid\u00e9 vykon\u00e1vaj\u00edc\u00ed du\u0161evn\u00ed \u010dinnosti a povol\u00e1n\u00ed, druh\u00e1 skupina zahrnuje v\u00fdrobu a manu\u00e1ln\u00ed profese a t\u0159et\u00ed skupina je tvo\u0159ena \u010dinnostmi s vysokou pravd\u011bpodobnost\u00ed \u00farazu.<\/p>\n

Nepojistiteln\u00e9 osoby<\/strong><\/p>\n

Poji\u0161\u0165ovny tak\u00e9 vymezuj\u00ed okruh takzvan\u011b nepojistiteln\u00fdch osob<\/strong>. D\u016fvodem je vysok\u00e1 rizikovost \u00farazu. Jde zejm\u00e9na o osoby, kter\u00e9 jsou pln\u011b invalidn\u00ed, s du\u0161evn\u00ed nebo nervovou poruchou, alkoholiky a osoby z\u00e1visl\u00e9 na ostatn\u00edch n\u00e1vykov\u00fdch l\u00e1tk\u00e1ch a tak\u00e9 osoby v pracovn\u00ed neschopnosti.<\/p>\n

„Mo\u017enost poji\u0161t\u011bn\u00ed handicapovan\u00fdch lid\u00ed je v\u017edy posuzov\u00e1na velmi individu\u00e1ln\u011b podle druhu posti\u017een\u00ed a tak\u00e9 podle aktu\u00e1ln\u00edho zdravotn\u00edho stavu. Je velk\u00fd rozd\u00edl, jestli je nap\u0159\u00edklad nevidom\u00fd \u010dlov\u011bk jinak naprosto zdr\u00e1v (pak mu m\u016f\u017eeme nab\u00eddnout t\u00e9m\u011b\u0159 cel\u00fd rozsah pojistn\u00e9ho kryt\u00ed, pouze s d\u00edl\u010d\u00edmi v\u00fdlukami na jeho posti\u017een\u00ed – samoz\u0159ejm\u011b podle druhu poji\u0161t\u011bn\u00ed) , anebo zda jde o t\u011b\u017ek\u00e9 posti\u017een\u00ed cel\u00e9ho pohybov\u00e9ho apar\u00e1tu nebo v\u00e1\u017en\u00e9 intern\u00ed nemoci (v tom p\u0159\u00edpad\u011b nab\u00edz\u00edme maxim\u00e1ln\u011b \u00farazov\u00e9 tarify bez oce\u0148ov\u00e1n\u00ed zdravotn\u00edho stavu – bolestn\u00e9, vyjmenovan\u00e9 trval\u00e9 n\u00e1sledky \u00farazu, \u00farazov\u00e1 smrt, hospitalizace v d\u016fsledku \u00farazu,“ vysv\u011btluje Dagmar Koutsk\u00e1.<\/p>\n

Velice individu\u00e1ln\u011b k handicapovan\u00fdm p\u0159istupuj\u00ed i v \u010cesk\u00e9 poji\u0161\u0165ovn\u011b. Probl\u00e9m pr\u00fd m\u016f\u017ee b\u00fdt u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, ale \u00farazov\u00e9 mohou doporu\u010dit. „\u00darazov\u00e9 poji\u0161t\u011bn\u00ed ur\u010dit\u011b m\u016f\u017eeme v\u0159ele doporu\u010dit. V\u011bt\u0161ina nep\u0159\u00edjemn\u00fdch ud\u00e1lost\u00ed typu \u00faraz \u010di nemoc toti\u017e b\u00fdv\u00e1 spojena s v\u00fdpadkem p\u0159\u00edjmu klienta nebo s ne\u010dekan\u00fdmi v\u00fddaji a pr\u00e1v\u011b spr\u00e1vn\u011b nastaven\u00e9 poji\u0161t\u011bn\u00ed dok\u00e1\u017ee v t\u011bchto situac\u00edch klientovi vzniklou situaci usnadnit,“ \u0159\u00edk\u00e1 mluv\u010d\u00ed \u010cesk\u00e9 poji\u0161\u0165ovny Jan Marek.<\/p>\n

Svou zku\u0161enost s poji\u0161\u0165ovnami popisuje i p\u0159edseda N\u00e1rodn\u00ed rady osob se zdravotn\u00edm posti\u017een\u00edm \u010cR V\u00e1clav Kr\u00e1sa. „Skute\u010dnost, \u017ee poji\u0161\u0165ovny odm\u00edtaj\u00ed poji\u0161\u0165ovat osoby se zdravotn\u00edm posti\u017een\u00edm, a to p\u0159edev\u0161\u00edm \u00farazov\u00e9m a \u017eivotn\u00edm poji\u0161t\u011bn\u00ed je obecn\u011b zn\u00e1m\u00e1 a poji\u0161\u0165ovny se t\u00edm ani nijak netaj\u00ed. S\u00e1m jsem si vyzkou\u0161el zkusit se pojistit formou \u017eivotn\u00ed pojistky, \u00farazov\u00e9 poji\u0161t\u011bn\u00ed na poji\u0161t\u011bn\u00ed hypot\u00e9ky. Poda\u0159ilo se mi pouze sjednat \u00farazov\u00e9 poji\u0161t\u011bn\u00ed za standardn\u00edch podm\u00ednek. Ostatn\u00ed jsem neuzav\u0159el, proto\u017ee poji\u0161\u0165ovna mne p\u0159\u00edmo odm\u00edtla pojistit s t\u00edm, \u017ee pojistn\u00e9 riziko je p\u0159\u00edli\u0161 velik\u00e9.“<\/p>\n

Kr\u00e1sa si mysl\u00ed, \u017ee je to nepochybn\u011b diskriminace, ale uzn\u00e1v\u00e1, \u017ee poji\u0161\u0165ovny jsou komer\u010dn\u00ed subjekty a mohou uzav\u0159\u00edt jen ty smlouvy, kter\u00e9 samy cht\u011bj\u00ed, a kter\u00e9 jsou pro n\u011b n\u011bjak\u00fdm zp\u016fsobem v\u00fdhodn\u00e9.<\/p>\n

Obecn\u011b ale lze \u0159\u00edci, \u017ee minim\u00e1ln\u011b \u00farazov\u00e9 poji\u0161t\u011bn\u00ed by poji\u0161\u0165ovny m\u011bly uzav\u0159\u00edt u v\u011bt\u0161iny lid\u00ed, a to za b\u011b\u017en\u00fdch podm\u00ednek jako pro zdrav\u00e9 lidi.<\/p>\n

U \u017eivotn\u00edho poji\u0161t\u011bn\u00ed u\u017e je situace hor\u0161\u00ed. Ale nap\u0159\u00edklad nevidom\u00ed \u010di nesly\u0161\u00edc\u00ed, av\u0161ak jinak zcela zdrav\u00ed lid\u00e9, by nem\u011bli m\u00edt probl\u00e9m \u017eivotn\u00ed pojistku s poji\u0161\u0165ovnou uzav\u0159\u00edt.<\/p>\n

A jak\u00e9 zku\u0161enosti m\u00e1te s poji\u0161\u0165ovnami Vy? Budeme r\u00e1di, kdy\u017e nap\u00ed\u0161ete sv\u00e9 post\u0159ehy do diskuze a nebo p\u0159\u00edmo k n\u00e1m do redakce na e-mail: marek@invarena.cz<\/p>\n

Ji\u0159\u00ed Marek
\ninvArena<\/p>\n

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

Hroz\u00ed posti\u017een\u00e9mu \u010dlov\u011bku, \u017ee i kdy\u017e bude m\u00edt sjednanou smlouvu na \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, v p\u0159\u00edpad\u011b, \u017ee se mu n\u011bco stane, nedostane od poji\u0161\u0165ovny nic? A […]<\/a><\/p>\n<\/div>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,18],"tags":[],"class_list":["post-4435","post","type-post","status-publish","format-standard","hentry","category-nezarazene","category-poradna"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/4435","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4435"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/4435\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4435"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4435"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4435"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}