{"id":2221,"date":"2019-05-06T08:00:38","date_gmt":"2019-05-06T06:00:38","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=2221"},"modified":"2025-09-25T19:09:47","modified_gmt":"2025-09-25T17:09:47","slug":"pojisteni-psychickych-nemoci-vcetne-vyhoreni","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2019\/05\/06\/pojisteni-psychickych-nemoci-vcetne-vyhoreni\/","title":{"rendered":"Psychick\u00e9 nemoci jsou taky nemoci. Pro\u010d s\u00a0nimi n\u011bkter\u00e9 poji\u0161\u0165ovny nepo\u010d\u00edtaj\u00ed?"},"content":{"rendered":"

U\u017e se na n\u011b ned\u00edv\u00e1me skrz prsty, nau\u010dili jsme se o nich mluvit a chodit s nimi na terapii. Nen\u00ed to ostuda. Je to skoro nutnost. A pojistit se na du\u0161evn\u00ed nemoci, t\u0159eba vyho\u0159en\u00ed? Te\u010f je to d\u00edky <\/b>Mutumutu<\/b><\/a> snaz\u0161\u00ed ne\u017e kdy d\u0159\u00edv.<\/b><\/p>\n

Syndrom vyho\u0159en\u00ed pat\u0159\u00ed mezi nej\u010dast\u011bj\u0161\u00ed d\u016fvody, pro\u010d lid\u00e9 na ur\u010ditou dobu \u201evypadnou\u201c z\u00a0pracovn\u00edho procesu, a p\u0159ich\u00e1zej\u00ed tak o p\u0159\u00edjem. Postihuje minim\u00e1ln\u011b p\u011btinu \u010cech\u016f a ohro\u017eena se j\u00edm c\u00edt\u00ed dokonce v\u00edc ne\u017e t\u0159etina lid\u00ed u n\u00e1s. V<\/span>\u00a0n\u00e1rodn\u00ed reprezentativn\u00ed studii na t\u00e9ma \u201eStres, deprese a \u017eivotn\u00ed styl v \u010cesk\u00e9 republice\u201c<\/span><\/a> to zjistily Psychiatrick\u00e1 klinika 1. LF UK a VFN v\u00a0Praze a agentura STEM\/MARK. <\/span><\/p>\n

Pr\u00e1v\u011b potenci\u00e1ln\u00ed ztr\u00e1ta p\u0159\u00edjmu m\u016f\u017ee obavy je\u0161t\u011b pos\u00edlit a dan\u00e9ho \u010dlov\u011bka paradoxn\u011b vystresovat<\/a> \u2013 ocit\u00e1 se tak v\u00a0za\u010darovan\u00e9m kruhu. Podobn\u011b to ov\u0161em pro\u017e\u00edvaj\u00ed i lid\u00e9 s\u00a0celou \u0159adou dal\u0161\u00edch diagn\u00f3z od \u00fazkost\u00ed po bipol\u00e1rn\u00ed poruchu. Poji\u0161t\u011bn\u00ed proti v\u00fdpadku p\u0159\u00edjm\u016f by jim p\u0159i\u0161lo vhod, ale na trhu nic takov\u00e9ho neexistuje. \u00a0<\/span><\/p>\n

\"Syndrom
Syndrom vyho\u0159en\u00ed pat\u0159\u00ed mezi nej\u010dast\u011bj\u0161\u00ed d\u016fvody, pro\u010d lid\u00e9 na ur\u010ditou dobu \u201evypadnou\u201c z pracovn\u00edho procesu, a p\u0159ich\u00e1zej\u00ed tak o p\u0159\u00edjem.<\/figcaption><\/figure>\n

Poji\u0161\u0165ovny<\/a> je tradi\u010dn\u011b maj\u00ed ve v\u00fdluk\u00e1ch, tedy v seznamu v\u011bc\u00ed a p\u0159\u00edpad\u016f, za kter\u00e9 a ve kter\u00fdch pojistn\u00e9 pln\u011bn\u00ed nevypl\u00e1cej\u00ed. D\u0159\u00edv v\u0161echny psychiatrick\u00e9 diagn\u00f3zy v\u00a0podstat\u011b h\u00e1zely do jednoho pytle, situace se za\u010dala m\u011bnit a\u017e po roce 2000. Pomohl i tlak \u00fa\u0159ad\u016f, kter\u00e9 se du\u0161evn\u00edm zdrav\u00edm zab\u00fdvaj\u00ed. Poji\u0161\u0165ovny za\u010daly p\u0159em\u00fd\u0161let nad t\u00edm, jak by psychick\u00e9 nemoci poji\u0161\u0165ovat mohly, ani\u017e by je to vystavilo domn\u011bl\u00e9mu riziku, \u017ee se tak p\u0159iprav\u00ed o v\u00fdd\u011blek.<\/span><\/p>\n

Prvn\u00ed kroky k\u00a0f\u00e9r p\u0159\u00edstupu<\/b><\/h2>\n

Mezi prvn\u00ed vla\u0161tovky pat\u0159ilo pln\u011bn\u00ed aspo\u0148 pro klienty, kte\u0159\u00ed byli s\u00a0du\u0161evn\u00edmi probl\u00e9my hospitalizov\u00e1ni. Pozd\u011bji n\u011bkter\u00e9 poji\u0161\u0165ovny p\u0159i\u0161ly s\u00a0v\u00fd\u010dtem diagn\u00f3z, kter\u00e9 z\u00a0v\u00fdluk odstranily. Byly to p\u0159edev\u0161\u00edm ty, kter\u00e9 jsou <\/span>v\u00a0mezin\u00e1rodn\u00ed klasifikaci<\/span><\/a> ozna\u010den\u00e9 F00 a\u017e F09, tedy takzvan\u00e9 organick\u00e9 du\u0161evn\u00ed poruchy.<\/span><\/p>\n

Pat\u0159\u00ed mezi n\u011b t\u0159eba i demence, kter\u00e1 doprov\u00e1z\u00ed Alzheimerovu nebo Parkinsonovu chorobu. Jedn\u00e1 se z\u00e1rove\u0148 o progresivn\u00ed choroby a \u0159ada poji\u0161\u0165oven stejn\u011b uznala pln\u011bn\u00ed pouze u posledn\u00edch stadi\u00ed, ve kter\u00fdch u\u017e pacienti nutn\u011b pot\u0159ebuj\u00ed p\u00e9\u010di n\u011bkoho jin\u00e9ho.<\/span><\/p>\n

V\u00a0n\u00e1sleduj\u00edc\u00edch letech se problematika posunula je\u0161t\u011b d\u00e1l. P\u0159inejmen\u0161\u00edm v\u00a0teoretick\u00e9 rovin\u011b. P\u0159\u00edkladem toho, jak to m\u016f\u017ee, ale tak\u00e9 nemus\u00ed fungovat, je Velk\u00e1 Brit\u00e1nie. Tamn\u00ed parlament p\u0159ed osmi lety odhlasoval takzvan\u00fd <\/span>Equality Act 2010<\/span><\/a> \u2013 byl to d\u016fle\u017eit\u00fd krok v\u00a0r\u00e1mci antidiskrimina\u010dn\u00edho pr\u00e1va. Mimo jin\u00e9 zav\u00e1zal firmy (tedy i poji\u0161\u0165ovny) k\u00a0tomu, aby se vyvarovaly diskriminace klient\u016f na z\u00e1klad\u011b toho, \u017ee jsou du\u0161evn\u011b nemocn\u00ed.<\/span><\/p>\n

Kdo chce, hled\u00e1 zp\u016fsoby, kdo nechce, hled\u00e1 d\u016fvody<\/b><\/h2>\n

Realita bohu\u017eel vypad\u00e1 jinak, a to i dnes. Letos v\u00a0lednu o tom psal britsk\u00fd <\/span>Guardian<\/span><\/a>: posb\u00edral p\u0159\u00edb\u011bhy lid\u00ed, kte\u0159\u00ed takov\u00e9 diskriminaci od poji\u0161\u0165oven st\u00e1le \u010del\u00ed. Mezi zklaman\u00fdmi z\u00e1kazn\u00edky byla t\u0159eba i \u017eena<\/a>, kter\u00e1 trp\u00ed posttraumatick\u00fdm stresov\u00fdm syndromem po teroristick\u00e9m \u00fatoku v\u00a0lond\u00fdnsk\u00e9m metru. Poji\u0161\u0165ovna s\u00a0n\u00ed odm\u00edtla uzav\u0159\u00edt jakoukoli smlouvu.<\/span><\/p>\n

\"Poji\u0161\u0165ovny
Poji\u0161\u0165ovny psychick\u00e9 nemoci tradi\u010dn\u011b maj\u00ed ve v\u00fdluk\u00e1ch, tedy v seznamu v\u011bc\u00ed, za kter\u00e9 pen\u00edze nevypl\u00e1cej\u00ed.<\/figcaption><\/figure>\n

Nem\u00e1 p\u0159itom \u017e\u00e1dn\u00e9 t\u011blesn\u00e9 projevy, pouze du\u0161evn\u00ed. Ani jej\u00ed fyzick\u00e9 zdrav\u00ed<\/a> v\u0161ak poji\u0161\u0165ovna kr\u00fdt necht\u011bla. \u201eCh\u00e1pu to z\u00a0jejich perspektivy; \u017ee necht\u011bj\u00ed pojistit na psychick\u00e9 choroby n\u011bkoho, kdo u\u017e m\u011bl podobn\u00e9 pot\u00ed\u017ee v\u00a0minulosti. Ale p\u0159ekvapilo m\u011b, \u017ee m\u011b odm\u00edtli kr\u00fdt \u00fapln\u011b, zvl\u00e1\u0161\u0165 s\u00a0ohledem na to, \u017ee jsem jinak zdrav\u00e1 jako rybi\u010dka,\u201c sv\u011b\u0159ila se.<\/span><\/p>\n

Poji\u0161\u0165ovna j\u00ed odm\u00edtla podat vysv\u011btlen\u00ed \u2013 i to je pom\u011brn\u011b \u010dast\u00fd p\u0159\u00edpad. \u201eN\u011bkter\u00e9 spole\u010dnosti jsou naprosto netransparentn\u00ed,\u201c \u0159ekl Guardianu Michael Henson-Webb, \u0161\u00e9f nadace Mind, kter\u00e1 ve Velk\u00e9 Brit\u00e1nii legislativn\u011b reprezentuje pr\u00e1v\u011b lidi s\u00a0du\u0161evn\u00edm onemocn\u011bn\u00edm. \u201eZd\u00e1 se, \u017ee se n\u011bkdy rozhoduj\u00ed jen velmi neur\u010dit\u011b, co\u017e hrani\u010d\u00ed s\u00a0diskriminac\u00ed.\u201c<\/span><\/p>\n

Jak to maj\u00ed velc\u00ed hr\u00e1\u010di<\/b><\/h2>\n

P\u0159es to v\u0161echno se situace lep\u0161\u00ed a poji\u0161t\u011bn\u00ed se pomalu otev\u00edr\u00e1 \u0161ir\u0161\u00edmu spektru diagn\u00f3z. Nejen ve sv\u011bt\u011b, ale i u n\u00e1s. Nap\u0159\u00edklad Poji\u0161\u0165ovna \u010cesk\u00e9 spo\u0159itelny u\u017e kryje invaliditu III. stupn\u011b u v\u0161ech diagn\u00f3z od F00 do F99. Invaliditu I. a II. stupn\u011b ale zat\u00edm st\u00e1le pouze u prvn\u00edch dev\u00edti \u010dili organick\u00fdch du\u0161evn\u00edch poruch, o kter\u00fdch byla \u0159e\u010d v\u00fd\u0161e.<\/span><\/p>\n

\"P\u0159es
P\u0159es to v\u0161echno se situace lep\u0161\u00ed a poji\u0161t\u011bn\u00ed se pomalu otev\u00edr\u00e1 \u0161ir\u0161\u00edmu spektru diagn\u00f3z. V\u010detn\u011b vyho\u0159en\u00ed.<\/figcaption><\/figure>\n

To Aegon m\u00e1 zat\u00edm ve v\u00fdluk\u00e1ch v\u0161echny psychick\u00e9 diagn\u00f3zy. Allianz tak\u00e9 \u2013 v\u00fdjimkou je jen invalidita u vybran\u00fdch, jasn\u011b identifikovateln\u00fdch diagn\u00f3z. Metlife je na tom podobn\u011b a vybran\u00e9 diagn\u00f3zy kryje jen v\u00a0p\u0159\u00edpad\u011b, \u017ee je pot\u0159eba p\u00e9\u010de t\u0159et\u00ed osoby.<\/span><\/p>\n

A my v Mutumutu? Kryjeme diagn\u00f3zy od 0 do 99<\/b><\/h2>\n

Poji\u0161t\u011bn\u00ed Mutumutu je na \u010desk\u00e9m trhu unik\u00e1tn\u00ed: kryje v\u0161echny psychick\u00e9 i psychiatrick\u00e9 diagn\u00f3zy pro p\u0159\u00edpad, \u017ee kv\u016fli nim dojde k\u00a0v\u00fdpadku p\u0159\u00edjm\u016f. I na psychick\u00e9 choroby se stahuje na\u0161ich 8 pochopiteln\u00fdch v\u00fdluk. Pokud je p\u0159\u00ed\u010dinou psychick\u00e9 choroby nap\u0159\u00edklad alkohol<\/a>, kter\u00e9mu holdujete u\u017e roky, v takov\u00e9m p\u0159\u00edpad\u011b od n\u00e1s pen\u00edze bohu\u017eel nedostanete. Jinak je ale jedno, jestli se jedn\u00e1 o kr\u00e1tkodobou depresi<\/a> t\u0159eba po smrti bl\u00edzk\u00e9ho, u\u017e zmi\u0148ovan\u00fd syndrom vyho\u0159en\u00ed<\/a>, nebo d\u00e9le trvaj\u00edc\u00ed pot\u00ed\u017ee. V p\u0159\u00edpad\u011b pracovn\u00ed neschopnosti<\/a> nebo invalidity<\/a> v\u00e1m bude Mutumutu vypl\u00e1cet m\u011bs\u00ed\u010dn\u00ed rentu<\/a> po celou dobu jejich trv\u00e1n\u00ed.<\/span><\/p>\n

V\u00edce o Mutumutu<\/a><\/div><\/span><\/p>\n

N\u00e1hl\u00e9 \u017eivotn\u00ed zvraty \u010dlov\u011bk nikdy ne\u010dek\u00e1. M\u016f\u017ee se to st\u00e1t, i kdy\u017e sportujete a j\u00edte zdrav\u011b. Jednoduch\u00e9 online \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/i><\/b> Mutumutu<\/i><\/b><\/a> v\u00e1s na eventu\u00e1ln\u00ed v\u00fdpadek p\u0159\u00edjm\u016f pojist\u00ed. Tak\u017ee pak v nemoci, kdy m\u00e1te hlavu plnou jin\u00fdch starost\u00ed, nemus\u00edte \u0159e\u0161it finance. A m\u016f\u017eete si udr\u017eet finan\u010dn\u00ed standard jako d\u0159\u00edv.<\/i><\/b><\/p>\n

Spo\u010d\u00edtat, jak by vy\u0161lo poji\u0161t\u011bn\u00ed pro m\u011b<\/a><\/div><\/a><\/p>\n

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

U\u017e se na n\u011b ned\u00edv\u00e1me skrz prsty, nau\u010dili jsme se o nich mluvit a chodit s nimi na terapii. Nen\u00ed to ostuda. Je to skoro nutnost. A pojistit se na du\u0161evn\u00ed nemoci, t\u0159eba vyho\u0159en\u00ed? Te\u010f je to d\u00edky Mutumutu snaz\u0161\u00ed ne\u017e kdy d\u0159\u00edv. Syndrom vyho\u0159en\u00ed pat\u0159\u00ed mezi nej\u010dast\u011bj\u0161\u00ed d\u016fvody, pro\u010d lid\u00e9 na ur\u010ditou dobu \u201evypadnou\u201c …<\/p>\n","protected":false},"author":21,"featured_media":1747,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,30],"tags":[94,110,60,61,59,257,64,234,40],"class_list":["post-2221","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-zdravi","tag-30-pojisteni-zpet","tag-jednoduche-zivotni-pojisteni-online","tag-pojisteni-invalidity","tag-pojisteni-proti-vypadku-prijmu","tag-pojisteni-zivota","tag-psychicke-nemoci","tag-psychicke-problemy","tag-psychicke-zdravi","tag-zdravi"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/2221","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=2221"}],"version-history":[{"count":9,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/2221\/revisions"}],"predecessor-version":[{"id":5529,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/2221\/revisions\/5529"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/1747"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=2221"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=2221"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=2221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}