{"id":10444,"date":"2025-07-24T10:49:07","date_gmt":"2025-07-24T08:49:07","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=10444"},"modified":"2025-07-24T10:49:09","modified_gmt":"2025-07-24T08:49:09","slug":"zivotne-poistenie-bez-skumania-zdravotneho-stavu-ma-svoje-vyhody-ale-aj-obmedzenia","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/zivotne-poistenie-bez-skumania-zdravotneho-stavu-ma-svoje-vyhody-ale-aj-obmedzenia\/","title":{"rendered":"\u017divotn\u00e9 poistenie bez sk\u00famania zdravotn\u00e9ho stavu: M\u00e1 svoje v\u00fdhody, ale aj obmedzenia"},"content":{"rendered":"\n<p><strong>M\u00e1te zhor\u0161en\u00fd zdravotn\u00fd stav alebo ste v minulosti prekonali v\u00e1\u017enej\u0161ie ochorenie? Pri \u017eivotnom poisten\u00ed m\u00f4\u017eete narazi\u0165 na probl\u00e9m &#8211; pois\u0165ovne v\u00e1s m\u00f4\u017eu odmietnu\u0165 alebo v\u00e1m m\u00f4\u017eu pon\u00faknu\u0165 poistenie za v\u00fdrazne vy\u0161\u0161iu cenu. Rie\u0161en\u00edm m\u00f4\u017ee by\u0165 \u017eivotn\u00e9 poistenie bez sk\u00famania zdravotn\u00e9ho stavu. M\u00e1 svoje v\u00fdhody, ale aj nev\u00fdhody.<\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Na \u010do sl\u00fa\u017ei zdravotn\u00fd dotazn\u00edk<\/h2>\n\n\n\n<p>Pri uzatv\u00e1ran\u00ed <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">\u017eivotn\u00e9ho poistenia<\/a> sa \u0161tandardne vyp\u013a\u0148a zdravotn\u00fd dotazn\u00edk. Mali by ste v \u0148om pravdivo zaznamena\u0165 v\u00e1\u017ene ochorenia, na ktor\u00e9 sa lie\u010dite, pravidelne u\u017e\u00edvan\u00e9 lieky aj \u00farazy, ktor\u00e9 ste prekonali pred vstupom do poistenia.&nbsp;<\/p>\n\n\n\n<p>Na z\u00e1klade zdravotn\u00e9ho dotazn\u00edka pois\u0165ov\u0148a pos\u00fadi v\u00e1\u0161 zdravotn\u00fd stav a rozhodne, \u010di navrhovan\u00e9 poistn\u00e9 rizik\u00e1 a poistn\u00e9 sumy akceptuje a do poistenia v\u00e1s prijme.&nbsp;<\/p>\n\n\n\n<p>Niekedy sa v\u0161ak st\u00e1va, \u017ee pois\u0165ov\u0148a klienta vyhodnot\u00ed ako rizikov\u00e9ho a v takom pr\u00edpade mu pon\u00fakne alternat\u00edvne rie\u0161enie &#8211; napr\u00edklad nav\u00fd\u0161i poistn\u00e9 pri vybran\u00fdch rizik\u00e1ch alebo ho na ur\u010dit\u00e9 rizik\u00e1 nepoist\u00ed. M\u00f4\u017ee sa sta\u0165 aj to, \u017ee v\u00e1s do poistenia neprijme v\u00f4bec.<\/p>\n\n\n\n<p><strong><em>Zdravie a rodina s\u00fa t\u00fdm najcennej\u0161\u00edm, \u010do m\u00e1me. Pre\u010d\u00edtajte si aj \u010dl\u00e1nok <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/oplati-sa-zivotne-poistenie-preco-ho-mat-a-ako-ho-spravne-nastavit\/\"><strong><em>Pre\u010do sa oplat\u00ed ma\u0165 \u017eivotn\u00e9 poistenie&nbsp;<\/em><\/strong><\/a><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Alternat\u00edva, ktor\u00e1 poskytuje z\u00e1kladn\u00fa ochranu<\/h2>\n\n\n\n<p>Ani \u013eudia s komplikovanej\u0161\u00edm zdravotn\u00fdm stavom sa v\u0161ak \u017eivotn\u00e9ho poistenia nemusia vzd\u00e1va\u0165. Na trhu s\u00fa aj produkty, ktor\u00e9 nevy\u017eaduj\u00fa vyplnenie zdravotn\u00e9ho dotazn\u00edka.&nbsp;<\/p>\n\n\n\n<p>S\u00fa vhodn\u00e9 pr\u00e1ve pre \u013eud\u00ed, ktor\u00ed maj\u00fa zdravotn\u00e9 obmedzenia alebo v minulosti prekonali v\u00e1\u017ene \u00farazy \u010di ochorenia, a \u0161tandardn\u00e9 poistenie by im bolo zamietnut\u00e9 alebo v\u00fdrazne predra\u017een\u00e9.&nbsp;<\/p>\n\n\n\n<ul>\n<li>\u017divotn\u00e9 poistenie bez sk\u00famania zdravotn\u00e9ho stavu v\u0161ak pon\u00faka obmedzen\u00e9 mo\u017enosti pripoisten\u00ed.&nbsp;<\/li>\n\n\n\n<li>Zvy\u010dajne kryje <a href=\"https:\/\/www.fingo.sk\/urazove-poistenie-online\">\u00farazy<\/a>, trval\u00e9 n\u00e1sledky, hospitaliz\u00e1ciu, pop\u00e1leniny, chirurgick\u00fd z\u00e1krok alebo denn\u00e9 od\u0161kodn\u00e9.&nbsp;<\/li>\n\n\n\n<li>V\u00fdnimo\u010dne sa objavuj\u00fa aj produkty so \u0161ir\u0161\u00edm kryt\u00edm, vr\u00e1tane kritick\u00fdch ochoren\u00ed.<\/li>\n\n\n\n<li>Pois\u0165ovne si riziko nepoznan\u00e9ho zdravotn\u00e9ho stavu kompenzuj\u00fa aj ni\u017e\u0161\u00edmi poistn\u00fdmi sumami.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Pr\u00edklad: <\/strong>Napr\u00edklad poistenie rakoviny bez sk\u00famania zdravotn\u00e9ho stavu pon\u00faka len jedna pois\u0165ov\u0148a, a to len do poistn\u00e9ho limitu 20 000 eur. Pre porovnanie, pri klasickom plnohodnotnom<a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\"> \u017eivotnom poisten\u00ed<\/a> s vyplnen\u00edm zdravotn\u00e9ho dotazn\u00edka si viete poisti\u0165 desiatky kritick\u00fdch ochoren\u00ed, vr\u00e1tane onkologick\u00fdch, srdcovocievnych alebo skler\u00f3zy multiplex, a to aj na stovky tis\u00edc eur.<\/p>\n\n\n\n<ul>\n<li>Ni\u017e\u0161ie plnenia sa t\u00fdkaj\u00fa aj \u010fal\u0161\u00edch riz\u00edk ako s\u00fa trval\u00e9 n\u00e1sledky \u00farazu alebo hospitaliz\u00e1cia.&nbsp;<\/li>\n\n\n\n<li>Preto je d\u00f4le\u017eit\u00e9 vedie\u0165, \u010do v\u0161etko dan\u00e9 poistenie skuto\u010dne kryje a na ak\u00e9 sumy.<\/li>\n<\/ul>\n\n\n\n<p><strong>TIP: <\/strong>Netreba zab\u00fada\u0165, \u017ee pois\u0165ovne nevypl\u00e1caj\u00fa poistn\u00e9 plnenie za udalosti, ktor\u00e9 s\u00favisia s ochoreniami alebo \u00farazmi vzniknut\u00fdmi e\u0161te pred uzatvoren\u00edm poistenia.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=zivot_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/09\/Fingo.sk-zivotne-poistenie-kalkulacka.gif\" alt=\"Fingo.sk \u017eivotn\u00e9 poistenie kalkula\u010dka\" class=\"wp-image-6529\"\/><\/a><\/figure>\n\n\n\n<p>To znamen\u00e1, \u017ee pois\u0165ovne po nahl\u00e1sen\u00ed poistnej udalosti preveruj\u00fa, \u010di diagn\u00f3za vznikla po\u010das platnosti poistenia alebo ju klient mal u\u017e predt\u00fdm. Toto pravidlo plat\u00ed aj pri klasickom \u017eivotnom poisten\u00ed, kde sa zdravotn\u00fd stav overuje e\u0161te pred uzavret\u00edm zmluvy.&nbsp;<\/p>\n\n\n\n<p>D\u00f4vod je jednoduch\u00fd \u2013 ide o princ\u00edp poistenia ako ochrany pred ne\u010dakan\u00fdmi a bud\u00facimi rizikami, nie u\u017e existuj\u00facimi probl\u00e9mami.<\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj praktick\u00fd <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/zivotna-poistka-a-cakacie-doby-co-potrebujete-vediet-pred-uzatvorenim-zmluvy\/\"><strong><em>\u010dl\u00e1nok o \u010dakac\u00edch dob\u00e1ch v \u017eivotnom poisten\u00ed<\/em><\/strong><\/a><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">R\u00f4zne podmienky, v\u00fdhody aj nev\u00fdhody<\/h2>\n\n\n\n<p>\u017divotn\u00e9 poistenie by sme rozhodne nemali bra\u0165 na \u013eahk\u00fa v\u00e1hu. Predstavuje d\u00f4le\u017eit\u00fa formu ochrany, ktor\u00e1 m\u00f4\u017ee v \u0165a\u017ek\u00fdch chv\u00ed\u013each pri v\u00e1\u017enom ochoren\u00ed, \u00faraze \u010di \u00famrt\u00ed v\u00fdrazne pom\u00f4c\u0165 celej rodine. Uzatvorenie poistenia je prejavom zodpovednosti a starostlivosti o t\u00fdch, na ktor\u00fdch n\u00e1m z\u00e1le\u017e\u00ed.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<p>Pri rozhodovan\u00ed o \u017eivotnom poisten\u00ed je v\u0161ak d\u00f4le\u017eit\u00e9 obr\u00e1ti\u0165 sa na odborn\u00edka, ktor\u00fd m\u00e1 preh\u013ead v ponuke viacer\u00fdch pois\u0165ovn\u00ed a dok\u00e1\u017ee porovna\u0165 ich v\u00fdhody aj nev\u00fdhody.<em>&nbsp;<\/em>Sk\u00fasen\u00ed finan\u010dn\u00ed<a href=\"https:\/\/www.fingo.sk\/kontakty\"> sprostredkovatelia z FinGO.sk<\/a> pri v\u00fdbere \u017eivotn\u00e9ho poistenia zoh\u013eadnia va\u0161e individu\u00e1lne potreby a porovnaj\u00fa ceny, ale aj podmienky, v\u00fdluky, v\u00fdhody a rizik\u00e1 pon\u00fak jednotliv\u00fdch pois\u0165ovn\u00ed.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_life_insurance\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=life_insurance\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n","protected":false},"excerpt":{"rendered":"<p>M\u00e1te zhor\u0161en\u00fd zdravotn\u00fd stav alebo ste v minulosti prekonali v\u00e1\u017enej\u0161ie ochorenie? Pri \u017eivotnom poisten\u00ed m\u00f4\u017eete narazi\u0165 na probl\u00e9m &#8211; pois\u0165ovne v\u00e1s m\u00f4\u017eu odmietnu\u0165 alebo v\u00e1m m\u00f4\u017eu pon\u00faknu\u0165 poistenie za v\u00fdrazne vy\u0161\u0161iu cenu. Rie\u0161en\u00edm m\u00f4\u017ee by\u0165 \u017eivotn\u00e9 poistenie bez sk\u00famania zdravotn\u00e9ho stavu. M\u00e1 svoje v\u00fdhody, ale aj nev\u00fdhody. Na \u010do sl\u00fa\u017ei zdravotn\u00fd dotazn\u00edk Pri uzatv\u00e1ran\u00ed \u017eivotn\u00e9ho poistenia sa \u0161tandardne vyp\u013a\u0148a zdravotn\u00fd dotazn\u00edk. Mali by ste v \u0148om pravdivo zaznamena\u0165 v\u00e1\u017ene ochorenia, na ktor\u00e9 sa lie\u010dite, pravidelne u\u017e\u00edvan\u00e9 lieky aj \u00farazy, ktor\u00e9 ste prekonali pred vstupom do poistenia.&nbsp; Na z\u00e1klade zdravotn\u00e9ho dotazn\u00edka pois\u0165ov\u0148a pos\u00fadi v\u00e1\u0161 zdravotn\u00fd stav a rozhodne, \u010di navrhovan\u00e9 poistn\u00e9 rizik\u00e1 a poistn\u00e9 sumy akceptuje a do poistenia v\u00e1s prijme.&nbsp; Niekedy sa v\u0161ak st\u00e1va, \u017ee pois\u0165ov\u0148a klienta vyhodnot\u00ed ako rizikov\u00e9ho a v takom pr\u00edpade mu pon\u00fakne alternat\u00edvne rie\u0161enie &#8211; napr\u00edklad nav\u00fd\u0161i poistn\u00e9 pri vybran\u00fdch rizik\u00e1ch alebo ho na ur\u010dit\u00e9 rizik\u00e1 nepoist\u00ed. M\u00f4\u017ee sa sta\u0165 aj to, \u017ee v\u00e1s do poistenia neprijme v\u00f4bec. Zdravie a rodina s\u00fa t\u00fdm najcennej\u0161\u00edm, \u010do m\u00e1me. Pre\u010d\u00edtajte si aj \u010dl\u00e1nok Pre\u010do sa oplat\u00ed ma\u0165 \u017eivotn\u00e9 poistenie&nbsp; Alternat\u00edva, ktor\u00e1 poskytuje z\u00e1kladn\u00fa ochranu Ani \u013eudia s komplikovanej\u0161\u00edm zdravotn\u00fdm stavom sa v\u0161ak \u017eivotn\u00e9ho poistenia nemusia vzd\u00e1va\u0165. Na trhu s\u00fa aj produkty, ktor\u00e9 nevy\u017eaduj\u00fa vyplnenie zdravotn\u00e9ho dotazn\u00edka.&nbsp; S\u00fa vhodn\u00e9 pr\u00e1ve [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":10446,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[15],"tags":[89],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u017divotn\u00e9 poistenie bez sk\u00famania zdravia: Kedy \u00e1no, kedy nie?<\/title>\n<meta name=\"description\" content=\"M\u00e1te zhor\u0161en\u00fd zdravotn\u00fd stav alebo ste prekonali v\u00e1\u017enej\u0161ie ochorenie? 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