{"id":5198,"date":"2023-07-27T20:20:00","date_gmt":"2023-07-27T18:20:00","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5198"},"modified":"2023-09-03T21:10:18","modified_gmt":"2023-09-03T19:10:18","slug":"alergie-a-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2023\/07\/27\/alergie-a-zivotni-pojisteni\/","title":{"rendered":"Trp\u00edte na alergie? A co na to \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?"},"content":{"rendered":"

 <\/p>\n

Alergie jsou dnes ji\u017e tak b\u011b\u017en\u00e9, \u017ee je mnoz\u00ed ani nepova\u017euj\u00ed za onemocn\u011bn\u00ed. Reakce lid\u00ed na alergeny jsou r\u016fzn\u00e9. Od nekone\u010dn\u00e9ho k\u00fdch\u00e1n\u00ed a sv\u011bd\u011bn\u00ed o\u010d\u00ed a\u017e po v\u00e1\u017en\u00e9 d\u00fdchac\u00ed probl\u00e9my nebo anafylaktick\u00fd \u0161ok. Ve v\u0161ech p\u0159\u00edpadech jde o nemoc, kter\u00e1 v\u00e1s v\u00a0hrani\u010dn\u00edm p\u0159\u00edpad\u011b m\u016f\u017ee vy\u0159adit z\u00a0pracovn\u00edho procesu jako ka\u017ed\u00e1 jin\u00e1. Nezapom\u00ednejte, \u017ee i na alergie se vztahuje \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/b><\/p>\n

Ka\u017ed\u00fd druh\u00fd bude alergik\u00a0<\/b><\/h2>\n

Podle <\/span>statistik Evropsk\u00e9 Akademie pro alergii a klinickou imunologii<\/span><\/a> trp\u00ed n\u011bjakou alergi\u00ed a\u017e 150 milionu (40 %) lid\u00ed v\u00a0EU. V roce 2025 to bude a\u017e 50 % Evropan\u016f. Z\u00a0nich 7 milion\u016f tr\u00e1p\u00ed potravinov\u00e1 intolerance. Ale u v\u011bt\u0161iny se jedn\u00e1 o alergie na \u010d\u00e1stice, kter\u00e9 se vyskytuj\u00ed ve vzduchu a zp\u016fsobuj\u00ed d\u00fdchac\u00ed pot\u00ed\u017ee. P\u0159edev\u0161\u00edm na ja\u0159e, kdy citliv\u00e9 sliznice potr\u00e1p\u00ed pyly. Polovina populace je docela dost, t\u00fdk\u00e1 se to ka\u017ed\u00e9ho druh\u00e9ho. A jak\u00fd dopad m\u016f\u017ee alergie m\u00edt na va\u0161e \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?\u00a0<\/span><\/p>\n

Jak se d\u00edv\u00e1 na alergie \u017eivotn\u00ed poji\u0161\u0165ovna<\/b><\/h2>\n

Pohled poji\u0161\u0165oven na alergie se r\u016fzn\u00ed. Alergie je nemoc, ze kter\u00e9 se jde jen t\u011b\u017eko vyl\u00e9\u010dit. Pravd\u011bpodobn\u011b s\u00a0n\u00ed budete bojovat cel\u00fd \u017eivot. Chronick\u00e9 nemoci maj\u00ed mnoh\u00e9 poji\u0161\u0165ovny ve v\u00fdluk\u00e1ch<\/a>. Pokud jste alergik a vyb\u00edr\u00e1te \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, doporu\u010dujeme zkontrolovat pojistn\u00e9 podm\u00ednky nebo se na postup poji\u0161\u0165ovny v\u00a0p\u0159\u00edpad\u011b alergii speci\u00e1ln\u011b doptat. Mutumutu v\u00e1s pojist\u00ed i\u00a0kdy\u017e trp\u00edte alergiemi. Jen o nich mus\u00edme v\u011bd\u011bt p\u0159ed sjedn\u00e1n\u00edm poji\u0161t\u011bn\u00ed.\u00a0<\/span><\/p>\n

Chci Mutumutu poji\u0161t\u011bn\u00ed<\/a><\/div><\/span><\/a><\/p>\n

Co uv\u00e9st ve zdravotn\u00edm dotazn\u00edku<\/b><\/h2>\n

Alergen\u016f kolem n\u00e1s je \u0161irok\u00e9 spektrum. Stejn\u011b tak rozmanit\u00e9 jsou i reakce na n\u011b. A podle toho mohou m\u00edt r\u016fzn\u00fd dopad na kvalitu \u017eivota alergika. Nap\u0159\u00edklad pylov\u00e9 alergie jsou v\u011bt\u0161inou velmi m\u00edrn\u00e9, zat\u00edmco alergie na v\u010del\u00ed bodnut\u00ed nebo ara\u0161\u00eddy m\u016f\u017eou m\u00edt fat\u00e1ln\u00ed n\u00e1sledky.\u00a0<\/span><\/p>\n

Stejn\u011b rozmanit\u011b na n\u011b nahl\u00ed\u017e\u00ed i \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 si sjedn\u00e1v\u00e1te. Ve zdravotn\u00edm dotazn\u00edku, kter\u00fd slou\u017e\u00ed poji\u0161\u0165ovn\u011b na ohodnocen\u00ed rizika podle va\u0161eho zdravotn\u00edho stavu nic nezatajujte. Poji\u0161\u0165ovny zpravidla zaj\u00edmaj\u00ed pouze v\u00e1\u017en\u00e9 alergie, kter\u00e9 v\u00fdrazn\u011b ohro\u017euj\u00ed va\u0161e zdrav\u00ed. Popi\u0161te, \u010d\u00edm trp\u00edte, jak se alergie projevuje i to, jak\u00e9 l\u00e9ky u\u017e\u00edv\u00e1te. Proto\u017ee p\u0159i posuzovan\u00ed va\u0161eho stavu hraj\u00ed roli nejen samotn\u00e9 nemoci, ale i jejich kombinace nebo l\u00e9ky, kter\u00e9 u\u017e\u00edv\u00e1te. Stejn\u00fd princip plat\u00ed i pro uveden\u00ed u\u017e\u00edvan\u00fdch l\u00e9k\u016f, nap\u0159\u00edklad l\u00e9ky na b\u00e1zi steroid\u016f. Proto\u017ee u\u017e\u00edv\u00e1n\u00ed steroid\u016f m\u00edrn\u011b zvy\u0161uje va\u0161e riziko smrti.\u00a0<\/span><\/p>\n

Nejste jist\u00ed, co uv\u00e1d\u011bt a co u\u017e nen\u00ed pot\u0159eba? Doporu\u010dujeme rad\u011bji uv\u00e9st v\u00edce, ne\u017e n\u011bco zapomenout nebo zatajit. Pokud to pro poji\u0161\u0165ovnu nebude d\u016fle\u017eit\u00e9, nijak to nezohledn\u00ed p\u0159i stanovov\u00e1n\u00ed pojistn\u00e9ho.\u00a0<\/span><\/p>\n

Jak alergie ovlivn\u00ed v\u00fd\u0161i pojistn\u00e9ho<\/b><\/h2>\n

Nejd\u016fle\u017eit\u011bj\u0161\u00ed je, jak z\u00e1va\u017en\u00e1 je reakce va\u0161eho t\u011bla na alergen. Pokud jsou p\u0159\u00edznaky m\u00edrn\u00e9 a v\u00fdrazn\u00e9 v\u00e1s neomezuj\u00ed v\u00a0b\u011b\u017en\u00e9m \u017eivot\u011b, nijak to va\u0161e pojistn\u00e9 nezdra\u017e\u00ed. Poji\u0161\u0165ovny v\u00a0dotazn\u00edc\u00edch \u010dasto uv\u00e1d\u011bj\u00ed, \u017ee je alergie na pyly a tr\u00e1vy nezaj\u00edmaj\u00ed. Pokud ale alergie vyvolaj\u00ed astma nebo v\u00fdrazn\u00e9 zhor\u0161en\u00ed zdravotn\u00edho stavu, kter\u00e9 si vy\u017e\u00e1d\u00e1 n\u00e1v\u0161t\u011bvu pohotovosti, to u\u017e pro poji\u0161\u0165ovnu znamen\u00e1 vy\u0161\u0161\u00ed riziko. Ur\u010dit\u011b ji bude zaj\u00edmat jak a \u010d\u00edm alergii l\u00e9\u010d\u00edte.\u00a0<\/span><\/p>\n

Nejv\u011bt\u0161\u00ed pozornost poji\u0161\u0165ovna v\u011bnuje p\u0159\u00edpad\u016fm, kdy alergie zp\u016fsobuje \u017eivot ohro\u017euj\u00edc\u00ed reakci, jako je anafylaxe. Vzhledem k tomu, \u017ee cena \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je zalo\u017eena na pravd\u011bpodobnosti vzniku pojistn\u00e9 ud\u00e1losti, nap\u0159\u00edklad pracovn\u00ed neschopnosti nebo smrti \u010dlov\u011bka, takov\u00e1 alergie pravd\u011bpodobn\u011b zv\u00fd\u0161\u00ed va\u0161i cenu pojistn\u00e9ho.<\/span><\/p>\n

Kdy p\u0159ijde alergikovi \u017eivotn\u00ed poji\u0161t\u011bn\u00ed vhod<\/b><\/h2>\n

Kdy\u017e u\u017e jste na\u0161li poji\u0161t\u011bn\u00ed, kter\u00e9 alergie a chronick\u00e9 nemoci nem\u00e1 ve v\u00fdluk\u00e1ch, je dobr\u00e9 v\u011bd\u011bt, jak alergie pojistit a kdy za n\u011b dostanete pln\u011bn\u00ed od poji\u0161\u0165ovny.\u00a0<\/span><\/p>\n

I kdy\u017e m\u00e1te dojem, \u017ee je va\u0161e alergick\u00e1 reakce v\u00e1\u017en\u00e1, poji\u0161\u0165ovny ji nepova\u017euj\u00ed za z\u00e1va\u017en\u00e9 onemocn\u011bn\u00ed, na kter\u00e9 by se vztahovalo poji\u0161t\u011bn\u00ed v\u00e1\u017en\u00fdch nemoc\u00ed. Proto V\u00e1m doporu\u010dujeme poji\u0161t\u011bn\u00ed <\/span>pracovn\u00ed neschopnosti<\/span><\/a>. Kdy\u017e V\u00e1s reakce na alergen vy\u0159ad\u00ed na m\u011bs\u00edce z\u00a0pracovn\u00edho procesu a vy nem\u016f\u017eete vyd\u011bl\u00e1vat, poji\u0161\u0165ovna V\u00e1m vyplat\u00ed sjednanou pojistnou \u010d\u00e1stku, kter\u00e1 poslou\u017e\u00ed jako n\u00e1hrada va\u0161eho chyb\u011bj\u00edc\u00edho p\u0159\u00edjmu. D\u016fle\u017eit\u00e9 ale je, aby poji\u0161\u0165ovna o va\u0161\u00ed alergii v\u011bd\u011bla z\u00a0dotazn\u00edku, kter\u00fd jste vypl\u0148ovali p\u0159i sjedn\u00e1n\u00ed.<\/span><\/p>\n

Spo\u010d\u00edtat pojistn\u00e9<\/a><\/div><\/span><\/a><\/p>\n

Co kdy\u017e se alergie objev\u00ed v\u00a0pr\u016fb\u011bhu trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed<\/b><\/h2>\n

Alergie se m\u016f\u017ee prvn\u011b objevit v\u00a0kter\u00e9mkoliv v\u011bku. Tak\u017ee kdy\u017e m\u00e1te \u017eivotko, kter\u00e9 nem\u00e1 alergie ve v\u00fdluk\u00e1ch a va\u0161e nov\u00e1 alergie v\u00e1s omezuje natolik, \u017ee kv\u016fli n\u00ed z\u016fst\u00e1v\u00e1te dlouhodob\u011b v\u00a0pracovn\u00ed neschopnosti, m\u00e1te n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed z\u00a0poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti.\u00a0\u00a0<\/span><\/p>\n

\n

Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/a> si m\u016f\u017eete u Mutumutu sjednat jednodu\u0161e\u00a0<\/span>online<\/span>, zabere v\u00e1m to jen p\u00e1r minut.<\/span><\/em><\/p>\n

Spo\u010d\u00edtat pojistn\u00e9<\/a><\/div><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

  Alergie jsou dnes ji\u017e tak b\u011b\u017en\u00e9, \u017ee je mnoz\u00ed ani nepova\u017euj\u00ed za onemocn\u011bn\u00ed. Reakce lid\u00ed na alergeny jsou r\u016fzn\u00e9. Od nekone\u010dn\u00e9ho k\u00fdch\u00e1n\u00ed a sv\u011bd\u011bn\u00ed o\u010d\u00ed a\u017e po v\u00e1\u017en\u00e9 d\u00fdchac\u00ed probl\u00e9my nebo anafylaktick\u00fd \u0161ok. Ve v\u0161ech p\u0159\u00edpadech jde o nemoc, kter\u00e1 v\u00e1s v\u00a0hrani\u010dn\u00edm p\u0159\u00edpad\u011b m\u016f\u017ee vy\u0159adit z\u00a0pracovn\u00edho procesu jako ka\u017ed\u00e1 jin\u00e1. Nezapom\u00ednejte, \u017ee i na …<\/p>\n","protected":false},"author":49,"featured_media":5199,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[352,40,216],"class_list":["post-5198","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-pojisteni-pracovni-neschopnosti","tag-zdravi","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5198","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\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=5198"}],"version-history":[{"count":6,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5198\/revisions"}],"predecessor-version":[{"id":5204,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5198\/revisions\/5204"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/5199"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=5198"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=5198"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=5198"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}