{"id":3865,"date":"2020-08-17T11:25:09","date_gmt":"2020-08-17T09:25:09","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=3865"},"modified":"2025-09-25T19:49:54","modified_gmt":"2025-09-25T17:49:54","slug":"pojisteni-urazu-v-lete","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2020\/08\/17\/pojisteni-urazu-v-lete\/","title":{"rendered":"\u00darazy a bol\u00edstky jsou letn\u00ed evergreen v poji\u0161t\u011bn\u00ed. V\u00edme, jak na n\u011b vyzr\u00e1t"},"content":{"rendered":"

Nikoho asi nep\u0159ekvap\u00ed, \u017ee b\u011bhem karant\u00e9ny hl\u00e1sily poji\u0161\u0165ovny pokles po\u010dtu \u00faraz\u016f o des\u00edtky procent. Lid\u00e9 tr\u00e1vili v\u011bt\u0161inu \u010dasu doma, m\u00e9n\u011b sportovali, necestovali a mnoho z nich ani nechodilo do pr\u00e1ce, tak\u017ee \u0161ance p\u0159ij\u00edt ke zran\u011bn\u00ed byla v\u00fdrazn\u011b ni\u017e\u0161\u00ed ne\u017e za b\u011b\u017en\u00e9ho provozu. S n\u00e1stupem l\u00e9ta se ale situace v\u00fdrazn\u011b prom\u011bnila.<\/b><\/strong><\/p>\n

Letn\u00ed sez\u00f3na je podle statistik poji\u0161\u0165oven na \u00farazy bohat\u00e1. A to nejen u d\u011bt\u00ed, ale i u dosp\u011bl\u00fdch.<\/p>\n

M\u016f\u017ee za to nej\u010dast\u011bji p\u0159ecen\u011bn\u00ed vlastn\u00edch sil, zvl\u00e1\u0161\u0165, kdy\u017e cel\u00fd rok sed\u00edte za monitorem a na dovolen\u00e9 chcete najednou trhat b\u011b\u017eeck\u00e9 rekordy. A proto v Mutumutu podporujeme zdrav\u00fd \u017eivotn\u00ed styl po cel\u00fd rok, nejen v l\u00e9t\u011b, kdy n\u00e1s sport venku bav\u00ed v\u00edce. Svoji roli hraje taky nepozornost a sem tam vypit\u00e9 pivo nebo v\u00edno, kter\u00e9 si tak r\u00e1di dop\u0159ejeme p\u0159i baz\u00e9nku nebo na fes\u0165\u00e1ku.\u00a0 \u201cLetn\u00ed \u00farazy jsou takov\u00fd ka\u017edoro\u010dn\u00ed poji\u0161\u0165ovnick\u00fd evergreen. Lid\u00e9, kte\u0159\u00ed p\u0159es rok sed\u00ed v kancel\u00e1\u0159\u00edch, za\u010dnou hromadn\u011b sportovat a \u00farazy p\u0159ich\u00e1zej\u00ed hned vz\u00e1p\u011bt\u00ed,\u201c <\/i>\u0159\u00edk\u00e1 Jindra Lenz, zakladatel Mutumutu.<\/p>\n

Upozor\u0148uje i na aktu\u00e1ln\u00ed trend, kdy se b\u011bhem letn\u00ed sez\u00f3ny nezvykle zvy\u0161uje po\u010det lid\u00ed, kte\u0159\u00ed uzav\u00edraj\u00ed \u017eivotn\u00ed pojistky<\/a> s poji\u0161t\u011bn\u00edm pracovn\u00ed neschopnosti<\/a> n\u00e1sledkem nemoci nebo pr\u00e1v\u011b \u00farazu. \u201cLeto\u0161n\u00ed l\u00e9to p\u0159ipom\u00edn\u00e1 z hlediska uzav\u0159en\u00fdch poji\u0161t\u011bn\u00ed sp\u00ed\u0161e za\u010d\u00e1tek jarn\u00ed sez\u00f3ny, kdy je o poji\u0161t\u011bn\u00ed nejv\u011bt\u0161\u00ed z\u00e1jem. Mo\u017en\u00e1 lid\u00e9 v karant\u00e9n\u011b tento krok odkl\u00e1dali, mo\u017en\u00e1 je te\u010f impulzem to, \u017ee cht\u011bj\u00ed b\u00fdt na nenad\u00e1l\u00e9 situace l\u00e9pe p\u0159ipraveni,\u201d <\/i>vysv\u011btluje.<\/p>\n

Podle \u010desk\u00e9ho statistick\u00e9ho \u00fa\u0159adu postihlo v roce 2019 zran\u011bn\u00ed s n\u00e1slednou pracovn\u00ed neschopnost\u00ed nejv\u00edce lid\u00ed za posledn\u00edch deset let. Klienti nahl\u00e1sili poji\u0161\u0165ovn\u00e1m p\u0159es 1,7 milionu p\u0159\u00edpad\u016f. Drtivou v\u011bt\u0161inu (92 %) p\u0159itom tvo\u0159ily \u00farazy nepracovn\u00ed. Poji\u0161t\u011bn\u00ed \u00farazu a p\u0159edev\u0161\u00edm n\u00e1sledn\u00e9 pracovn\u00ed neschopnosti m\u016f\u017ee pomoci zm\u00edrnit p\u0159\u00edpadn\u00fd propad v rodinn\u00e9m rozpo\u010dtu.<\/p>\n

P\u0159i uzav\u00edr\u00e1n\u00ed pojistky je ale d\u016fle\u017eit\u00e9 pozorn\u011b studovat podm\u00ednky poji\u0161t\u011bn\u00ed. Ty se toti\u017e u jednotliv\u00fdch poji\u0161\u0165oven mohou dost dramaticky li\u0161it.<\/p>\n

\u00darazovka, \u017eivotko nebo kryt\u00ed pracovn\u00ed neschopnosti?<\/strong><\/p>\n

M\u00e1te \u00farazov\u00e9 poji\u0161t\u011bn\u00ed na milion a plat\u00edte za n\u011bj p\u00e1r desetikorun? M\u011bjte se na pozoru. \u00darazov\u00e9 poji\u0161t\u011bn\u00ed b\u00fdv\u00e1 \u010dasto nastaven\u00e9 tak, \u017ee na maxim\u00e1ln\u00ed \u010d\u00e1stku dos\u00e1hnete jen v n\u011bkolika m\u00e1lo nejz\u00e1va\u017en\u011bj\u0161\u00edch p\u0159\u00edpadech. Poji\u0161t\u011bn\u00ed by v\u00e1s nav\u00edc m\u011blo kr\u00fdt komplexn\u011b, co\u017e samotn\u00e1 \u00farazovka ned\u011bl\u00e1. 90 % pracovn\u00edch neschopnost\u00ed a dokonce 96 % invalidit je toti\u017e zp\u016fsobeno nemocemi, a teprve zbytek \u00farazem. Lep\u0161\u00ed variantou je proto dobr\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 kryje tak\u00e9 \u00faraz \u010di pracovn\u00ed neschopnost.<\/p>\n

Jako pracovn\u00ed neschopnost je mo\u017en\u00e9 br\u00e1t i karant\u00e9nu. A to dokonce v zahrani\u010d\u00ed, pokud byste uv\u00edzli n\u011bkde v hotelu na dovolen\u00e9. \u201eV p\u0159\u00edpad\u011b poji\u0161t\u011bn\u00ed Mutumutu by ale ta karant\u00e9na musela trvat d\u00e9le ne\u017e 60 dn\u00ed, proto\u017ee my hrad\u00edme a\u017e z\u00e1sadn\u00ed, dlouhodob\u00e9 v\u00fdpadky p\u0159\u00edjmu,<\/i>\u201c upozor\u0148uje M\u00ed\u0161a, na\u0161e odbornice na p\u00e9\u010di o z\u00e1kazn\u00edky. Situace, kdy z\u00e1kazn\u00edky ochrann\u00e1 opat\u0159en\u00ed donut\u00ed prodlou\u017eit si dovolenou o t\u00fdden nebo dva, by ostatn\u011b m\u011blo pokr\u00fdt dobr\u00e9 cestovn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n

\"\"
\u00darazy a bol\u00edstky jsou poji\u0161\u0165ovnick\u00fd evergreen.<\/figcaption><\/figure>\n

Pojist\u011bte se komplexne<\/a><\/div><\/a><\/p>\n

V\u00fdluky<\/strong><\/p>\n

Bolesti zad, du\u0161evn\u00ed choroby, vybran\u00e9 typy rakoviny. To jsou \u010dast\u00e9 diagn\u00f3zy, kter\u00e9 poji\u0161\u0165ovny nekryj\u00ed nebo kryj\u00ed jen u n\u011bkter\u00fdch poji\u0161t\u011bn\u00ed (t\u0159eba jen ty nejz\u00e1va\u017en\u011bj\u0161\u00ed p\u0159\u00edpady, kter\u00e9 vedou
\nk invalidit\u011b<\/a> t\u0159et\u00edho stupn\u011b. Ty m\u00e9n\u011b z\u00e1va\u017en\u00e9, kter\u00e9 v\u00e1s ale tak\u00e9 vy\u0159ad\u00ed na m\u011bs\u00edce z pr\u00e1ce,
\nu\u017e nekryj\u00ed). Obecn\u011b by pojistka m\u011bla b\u00fdt nastavena tak, \u017ee bude m\u00edt takov\u00fdch v\u00fdluk co nejm\u00e9n\u011b
\na budou jasn\u011b popsan\u00e9 v podm\u00ednk\u00e1ch.<\/p>\n

Poji\u0161t\u011bn\u00ed \u201code dne\u0161ka\u201d<\/strong><\/p>\n

V\u011bd\u011bli jste, \u017ee ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 nastavenou r\u016fzn\u011b dlouhou \u010dekac\u00ed dobu, kter\u00e1 mus\u00ed uplynout od uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed a pojistnou ud\u00e1lost\u00ed, aby takovou ud\u00e1lost uznala a vyplatila pen\u00edze z\u00a0pln\u011bn\u00ed? Pokud se dnes pojist\u00edte a z\u00edtra si zlom\u00edte nohu, m\u016f\u017eete u v\u011bt\u0161iny poji\u0161\u0165oven narazit.<\/p>\n

Na m\u00edru va\u0161\u00ed \u017eivotn\u00ed situaci <\/strong><\/p>\n

Zva\u017ete investici do poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1s kvalitn\u011b kryje v p\u0159\u00edpad\u011b, \u017ee se v\u00e1m stane n\u011bco opravdu v\u00e1\u017en\u00e9ho. \u00daspory by v\u00e1m v takov\u00e9m p\u0159\u00edpad\u011b nemusely na \u017eivotn\u00ed v\u00fddaje sta\u010dit. Nap\u0159\u00edklad n\u00e1klady spojen\u00e9 s invaliditou t\u0159et\u00edho stupn\u011b se po\u010d\u00edtaj\u00ed ve vy\u0161\u0161\u00edch statis\u00edc\u00edch nebo dokonce v jednotk\u00e1ch milion\u016f. Po\u010d\u00edtejte, \u017ee kvalitn\u00ed pojistka se bude pohybovat okolo 5-10 % hrub\u00e9ho platu. Pak v\u00e1m v\u00fdpadek p\u0159\u00edjmu pokryje z\u010d\u00e1sti nemocensk\u00e1 od st\u00e1tu a z\u010d\u00e1sti pr\u00e1v\u011b \u017eivotn\u00ed pojistka. OSV\u010c<\/a>, zejm\u00e9na ti, kte\u0159\u00ed si neplat\u00ed nemocenskou, by se na dobrou komer\u010dn\u00ed pojistku m\u011bli zvl\u00e1\u0161t\u011b zam\u011b\u0159it.<\/p>\n

Ne\u017e si tedy po\u0159\u00edd\u00edte pojistku, pe\u010dliv\u011b si zanalyzujte svou aktu\u00e1ln\u00ed \u017eivotn\u00ed situaci i sv\u00e9 priority a zva\u017ete r\u016fzn\u00e9 mo\u017enosti. Jestli si nev\u00edte rady, r\u00e1di v\u00e1m v Mutumutu se spr\u00e1vn\u00fdm nastaven\u00edm i v\u00fdb\u011brem pom\u016f\u017eeme.<\/p>\n

\n

Spo\u010d\u00edtat, jak vyjde poji\u0161t\u011bn\u00ed pro m\u011b<\/a><\/div><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Nikoho asi nep\u0159ekvap\u00ed, \u017ee b\u011bhem karant\u00e9ny hl\u00e1sily poji\u0161\u0165ovny pokles po\u010dtu \u00faraz\u016f o des\u00edtky procent. Lid\u00e9 tr\u00e1vili v\u011bt\u0161inu \u010dasu doma, m\u00e9n\u011b sportovali, necestovali a mnoho z nich ani nechodilo do pr\u00e1ce, tak\u017ee \u0161ance p\u0159ij\u00edt ke zran\u011bn\u00ed byla v\u00fdrazn\u011b ni\u017e\u0161\u00ed ne\u017e za b\u011b\u017en\u00e9ho provozu. S n\u00e1stupem l\u00e9ta se ale situace v\u00fdrazn\u011b prom\u011bnila. Letn\u00ed sez\u00f3na je podle statistik …<\/p>\n","protected":false},"author":45,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,30,5],"tags":[110,120,352,39,218,368,147],"class_list":["post-3865","post","type-post","status-publish","format-standard","hentry","category-pojisteni","category-zdravi","category-zivotni-styl","tag-jednoduche-zivotni-pojisteni-online","tag-mutumutu","tag-pojisteni-pracovni-neschopnosti","tag-smlouva","tag-uraz","tag-vyluky","tag-zivotko"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/3865","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\/45"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=3865"}],"version-history":[{"count":6,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/3865\/revisions"}],"predecessor-version":[{"id":5552,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/3865\/revisions\/5552"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=3865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=3865"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=3865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}