{"id":4635,"date":"2021-07-28T14:42:57","date_gmt":"2021-07-28T12:42:57","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=4635"},"modified":"2025-09-25T19:43:01","modified_gmt":"2025-09-25T17:43:01","slug":"letni-urazy-a-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2021\/07\/28\/letni-urazy-a-zivotni-pojisteni\/","title":{"rendered":"Kter\u00e9 letn\u00ed \u00farazy v\u00e1m kryje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a do \u010deho jdete na vlastn\u00ed triko?"},"content":{"rendered":"

Asi v\u00e1s nep\u0159ekvap\u00ed, \u017ee nejv\u00edc \u00faraz\u016f se st\u00e1v\u00e1 pr\u00e1v\u011b v l\u00e9t\u011b. V\u00edte, p\u0159i kter\u00fdch sportech (a v\u016fbec letn\u00edch aktivit\u00e1ch) se lid\u00e9 nej\u010dast\u011bji zran\u00ed? A pro\u010d v\u00e1s na\u0161e \u017eivotn\u00ed poji\u0161t\u011bn\u00ed kryje p\u0159i j\u00edzd\u011b na koni, ale p\u0159i bungee jumpingu u\u017e ne? Vysv\u011btlen\u00ed je jednoduch\u00e9, mrkn\u011bte do \u010dl\u00e1nku.\u00a0<\/b><\/p>\n

Nej\u010dast\u011bj\u0161\u00ed letn\u00ed \u00farazy v \u010cesku jsou u\u017e vlastn\u011b klasika: tr\u017en\u00e9 r\u00e1ny, od\u0159eniny a podvrtnut\u00e9 kotn\u00edky, uv\u00e1d\u00ed <\/span>\u010cesk\u00fd rozhlas<\/span><\/a>. V\u011bt\u0161inou jde o situace, kdy si z r\u016fzn\u00fdch d\u016fvod\u016f ned\u00e1v\u00e1me moc pozor. Brusla\u0159 si od\u0159e koleno, proto\u017ee nem\u00e1 chr\u00e1ni\u010de. Plavec se nalok\u00e1 v \u0159ece, proto\u017ee ho v nezn\u00e1m\u00fdch vod\u00e1ch p\u0159ekvap\u00ed spodn\u00ed proud. Cyklista si d\u00e1 \u010dasovku na k\u0159ivolak\u00e9 okresce, na kterou ale no\u010dn\u00ed lij\u00e1k vyplavil p\u00edsek a kam\u00ednky z p\u0159ilehl\u00e9 poln\u00ed cesty\u2026 Kdy\u017e p\u0159eje \u0161t\u011bst\u00ed\u010dko, kon\u010d\u00ed to jenom \u00falekem a nevinn\u011b. Taky v\u00e1s ale takov\u00e9 situace m\u016f\u017eou na p\u011bkn\u011b dlouho vy\u0159adit z provozu. I proto je fajn m\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>.<\/span><\/p>\n

Hodn\u011b \u010dast\u00e9<\/span><\/a> jsou v l\u00e9t\u011b i pop\u00e1leniny nebo \u0159ezn\u00e9 r\u00e1ny. H\u00e1d\u00e1te spr\u00e1vn\u011b, \u017ee za to m\u016f\u017eou t\u00e1bor\u00e1ky a grilova\u010dky. Ale tak\u00e9 t\u0159eba zd\u00e1nliv\u011b ne\u0161kodn\u00e9 <\/span>zahradni\u010den\u00ed nebo sek\u00e1n\u00ed tr\u00e1vy<\/span><\/a>. A p\u0159ib\u00fdv\u00e1 d\u011btsk\u00fdch \u00faraz\u016f na trampol\u00edn\u00e1ch, <\/span>postrachu z\u00e1chran\u00e1\u0159\u016f<\/span><\/a>.<\/span><\/p>\n

Ale zp\u00e1tky k t\u011bm sport\u016fm\u2026<\/h2>\n

Z \u201epoji\u0161\u0165ov\u00e1ck\u00e9ho\u201c hlediska rozhodn\u011b plat\u00ed, \u017ee nen\u00ed sport jako sport. Ty adrenalinov\u00e9 sice nemaj\u00ed tak vysok\u00e9 statistiky zran\u011bn\u00ed jako t\u0159eba kolo a brusle, jen\u017ee kdy\u017e u\u017e se p\u0159i nich n\u011bco stane, b\u00fdv\u00e1 to opravdu v\u00e1\u017en\u00e9. Tohle u\u017e nejsou oby\u010dejn\u00e9 letn\u00ed \u00farazy. \u0158e\u010d je o p\u00e1dech z obrovsk\u00e9 v\u00fd\u0161ky nebo zran\u011bn\u00edch ve velk\u00e9 rychlosti. A o n\u00e1sledn\u00fdch zlomenin\u00e1ch obli\u010deje, ale tak\u00e9 zran\u011bn\u00edch hlavy, m\u00edchy a p\u00e1te\u0159e. I kdy\u017e z toho vyv\u00e1znete v jednom kuse, po\u0159\u00e1d v\u00e1s l\u00e9\u010dba dlouhodob\u00fdch n\u00e1sledk\u016f m\u016f\u017ee vyj\u00edt <\/span>a\u017e na miliony<\/span><\/a>.<\/span><\/p>\n

V Mutumutu si na tradi\u010dn\u00ed poji\u0161\u0165ov\u00e1ck\u00fd pohled moc nepotrp\u00edme a m\u00e1me jen sedm v\u00fdjimek, ale na rovinu v\u00e1m \u0159\u00edk\u00e1me, \u017ee extr\u00e9mn\u00ed sporty jsou jednou z nich. Konkr\u00e9tn\u011b to znamen\u00e1, \u017ee v\u00e1s pojist\u00edme pro p\u0159\u00edpad smrti<\/a>. Ale pokud va\u0161e zran\u011bn\u00ed povede k pracovn\u00ed neschopnosti<\/a>, nebo dokonce k invalidit\u011b<\/a>, pen\u00edze v\u00e1m vypl\u00e1cet nebudeme.<\/span><\/p>\n

Kter\u00e9 sporty jsou pro n\u00e1s rizikov\u00e9?<\/h2>\n

<\/b>Na seznamu m\u00e1me horolezectv\u00ed, r\u016fzn\u00e9 druhy l\u00e9t\u00e1n\u00ed (ne zrovna charterov\u00fd let na dovolenou, ale t\u0159eba bezmotorov\u00e9 l\u00e9t\u00e1n\u00ed, paragliding nebo seskoky pad\u00e1kem) a pak necelou dvac\u00edtku <\/span>adrenalinov\u00fdch sport\u016f<\/span><\/a>. Z t\u011bch \u201eletn\u00edch\u201c mezi nimi naraz\u00edte t\u0159eba na bungee jumping, zorbing (kut\u00e1len\u00ed v plastov\u00e9 kouli po vod\u011b i na suchu), pot\u00e1p\u011bn\u00ed se \u017eraloky nebo skoky do vody.<\/span><\/p>\n

Pro\u010d je nepoji\u0161\u0165ujeme? Nen\u00ed to proto, \u017ee bychom v\u00e1m cht\u011bli kazit legraci. Ale abychom mohli f\u00e9rov\u011b chr\u00e1nit v\u0161echny klienty, mus\u00edme si vymezit, co u\u017e je moc velk\u00e9 riziko. Ostatn\u011b kdy\u017e budete sk\u00e1kat na lan\u011b nebo se pot\u00e1p\u011bt mezi \u017eraloky, po\u0159adatel\u00e9 si taky vymez\u00ed hranice. Budete ur\u010dit\u011b podepisovat smlouvu, \u017ee to d\u011bl\u00e1te na vlastn\u00ed nebezpe\u010d\u00ed.<\/span><\/p>\n

\"letn\u00ed
Nechceme v\u00e1m nic zakazovat. Ale je p\u00e1r v\u011bc\u00ed, na kter\u00e9 v\u00e1s nepojist\u00edme\u2026<\/figcaption><\/figure>\n

\u201eTak\u017ee je rizikov\u00e9 i sko\u010dit do baz\u00e9nu?\u201c<\/b><\/h2>\n

Je n\u00e1m jasn\u00e9, \u017ee n\u011bkter\u00e1 rizika jsou sporn\u00e1. Proto je posuzujeme individu\u00e1ln\u011b. Nejedeme podle tabulek, proto\u017ee v\u00edme, \u017ee skok z m\u016fstku do baz\u00e9nu v Podol\u00ed je n\u011bco jin\u00e9ho ne\u017e skok ze smr\u0165\u00e1ck\u00e9ho \u00fatesu v Indon\u00e9sii. A \u017ee z\u00e1le\u017e\u00ed i na tom, jak\u00e9 m\u00e1te dispozice nebo jak\u00fdmi neduhy jste u\u017e p\u0159edt\u00edm trp\u011bli.<\/span><\/p>\n

Ve sportov\u00e1n\u00ed obecn\u011b klienty podporujeme. <\/span>To se o n\u00e1s v\u00ed!<\/span><\/a> Mo\u017en\u00e1 v\u00e1s pot\u011b\u0161\u00ed, \u017ee kryjeme t\u0159eba i j\u00edzdu na koni, skateboarding, ly\u017eov\u00e1n\u00ed na sjezdovce nebo bojov\u00e9 sporty. A je\u0161t\u011b del\u0161\u00ed je <\/span>seznam sport\u016f<\/span><\/a>, za kter\u00e9 v\u00e1s budeme pravideln\u011b odm\u011b\u0148ovat.<\/span><\/p>\n

\n

Kdy\u017e \u0159\u00edk\u00e1me odm\u011b\u0148ovat, mysl\u00edme to doslova. Za zdrav\u00fd \u017eivotn\u00ed styl v\u00e1m budeme vracet a\u017e 30 % pojistn\u00e9ho p\u0159\u00edmo na \u00fa\u010det.<\/em><\/strong><\/p>\n

Chci odm\u011bnu<\/a><\/div><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Asi v\u00e1s nep\u0159ekvap\u00ed, \u017ee nejv\u00edc \u00faraz\u016f se st\u00e1v\u00e1 pr\u00e1v\u011b v l\u00e9t\u011b. V\u00edte, p\u0159i kter\u00fdch sportech (a v\u016fbec letn\u00edch aktivit\u00e1ch) se lid\u00e9 nej\u010dast\u011bji zran\u00ed? A pro\u010d v\u00e1s na\u0161e \u017eivotn\u00ed poji\u0161t\u011bn\u00ed kryje p\u0159i j\u00edzd\u011b na koni, ale p\u0159i bungee jumpingu u\u017e ne? Vysv\u011btlen\u00ed je jednoduch\u00e9, mrkn\u011bte do \u010dl\u00e1nku.\u00a0 Nej\u010dast\u011bj\u0161\u00ed letn\u00ed \u00farazy v \u010cesku jsou u\u017e vlastn\u011b klasika: …<\/p>\n","protected":false},"author":47,"featured_media":4638,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,2],"tags":[414,27,473,216],"class_list":["post-4635","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-sport","tag-adrenalinove-sporty","tag-sport","tag-urazy","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4635","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\/47"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=4635"}],"version-history":[{"count":6,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4635\/revisions"}],"predecessor-version":[{"id":5547,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/4635\/revisions\/5547"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/4638"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=4635"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=4635"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=4635"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}