{"id":10530,"date":"2025-08-12T16:17:05","date_gmt":"2025-08-12T14:17:05","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=10530"},"modified":"2025-08-12T16:17:07","modified_gmt":"2025-08-12T14:17:07","slug":"poistenie-kritickych-ochoreni-a-znizenej-sebestacnosti-ako-ochranit-seba-a-rodinu","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/poistenie-kritickych-ochoreni-a-znizenej-sebestacnosti-ako-ochranit-seba-a-rodinu\/","title":{"rendered":"Poistenie kritick\u00fdch ochoren\u00ed a zn\u00ed\u017eenej sebesta\u010dnosti: Ako ochr\u00e1ni\u0165 seba a rodinu"},"content":{"rendered":"\n<p><strong>Modern\u00e9 \u017eivotn\u00e9 poistenie \u013eu\u010fom pom\u00e1ha finan\u010dne prekona\u0165 \u0165a\u017ek\u00e9 obdobie, \u010di u\u017e z d\u00f4vodu v\u00e1\u017eneho \u00farazu alebo choroby. N\u00e1ro\u010dn\u00fdm situ\u00e1ci\u00e1m v rodin\u00e1ch, ak\u00e9 sme \u010dasto videli v rel\u00e1ci\u00e1ch Modr\u00e9 z neba alebo V siedmom nebi, sa d\u00e1 predch\u00e1dza\u0165 pr\u00e1ve kvalitn\u00fdm poisten\u00edm. M\u00e1te star\u0161iu zmluvu? Mo\u017eno je \u010das ju vylep\u0161i\u0165. A ak poistenie e\u0161te len rie\u0161ite, m\u00f4\u017eete si ho nastavi\u0165 v\u00fdhodnej\u0161ie ne\u017e kedyko\u013evek predt\u00fdm. <\/strong><\/p>\n\n\n\n<p>V s\u00fa\u010dasnosti sa u\u017e klienti nepois\u0165uj\u00fa \u0161t\u00fdlom \u201emini, mid a&nbsp;max bal\u00edkov\u201d, ale ka\u017ed\u00e9 pripoistenie v\u00e1m fundovan\u00fd finan\u010dn\u00fd sprostredkovate\u013e vie nastavi\u0165 na mieru. O ak\u00fdch pripoisteniach hovor\u00edme? Krytie smrti, invalidity, kritick\u00fdch chor\u00f4b, trval\u00fdch n\u00e1sledkov \u00farazov s progresiou, denn\u00e9ho od\u0161kodn\u00e9ho \u00farazov a&nbsp;v\u00e1\u017enych d\u00f4sledkov \u00farazov, PN-ky, hospitaliz\u00e1cie alebo&nbsp;chirurgick\u00fdch z\u00e1krokov.&nbsp;<\/p>\n\n\n\n<p>V&nbsp;tomto \u010dl\u00e1nku sa zameriame na krytie kritick\u00fdch ochoren\u00ed a pozrieme sa aj na krytie zn\u00ed\u017eenej sebesta\u010dnosti.&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Drviv\u00fa v\u00e4\u010d\u0161inu invalidity sp\u00f4sobuj\u00fa kritick\u00e9 ochorenia<\/h2>\n\n\n\n<p>Aj zo \u0161tatist\u00edk pois\u0165ovn\u00ed vypl\u00fdva, \u017ee iba 3 % invalidov sa stali invalidn\u00fdmi z&nbsp;d\u00f4vodu \u00farazu a&nbsp;a\u017e 97 % invalidity vznik\u00e1 pr\u00e1ve z&nbsp;d\u00f4sledku v\u00e1\u017eneho ochorenia. A \u010do sa za posledn\u00e9 roky zmenilo?&nbsp;<\/p>\n\n\n\n<p>V minulosti ste mohli by\u0165 poisten\u00fd na kritick\u00e9 choroby napr\u00edklad na sumu 10 000 eur. Akon\u00e1hle sa u v\u00e1s vyskytlo v\u00e1\u017ene ochorenie, infarkt, rakovina \u010di skler\u00f3za multiplex, pois\u0165ov\u0148a v\u00e1m vyplatila 10 000 eur a pripoistenie kritick\u00fdch chor\u00f4b zaniklo.&nbsp;<\/p>\n\n\n\n<p>Ak by ste mali <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">nov\u00e9 poistenie<\/a>, v niektorej pois\u0165ovni m\u00f4\u017eete ma\u0165 n\u00e1rok na 300 %, v inej aj na 600 % z poistnej sumy, \u010di\u017ee 6-n\u00e1sobok = 60 000 eur celkovo za v\u0161etky skupiny ochoren\u00ed. V ka\u017edej pois\u0165ovni to z\u00e1vis\u00ed od toho, ko\u013eko bal\u00edkov kritick\u00fdch ochoren\u00ed rozli\u0161uje. Navy\u0161e, viacer\u00e9 pois\u0165ovne klientom vypl\u00e1caj\u00fa aj termin\u00e1lne \u0161t\u00e1dium ochorenia (posledn\u00e1 f\u00e1za ochorenia) vo v\u00fd\u0161ke 150 % z poistnej sumy. \u010ci\u017ee napr. pri spom\u00ednan\u00fdch 10 000 eur to m\u00f4\u017ee by\u0165 \u010fal\u0161\u00edch 5 000 eur navy\u0161e.&nbsp;&nbsp;<\/p>\n\n\n\n<p>TIP: Pois\u0165ovne maj\u00fa r\u00f4zne produkty a podmienky, no nie je jednoduch\u00e9 sa v nich vyzna\u0165.&nbsp; Obr\u00e1\u0165te sa <a href=\"https:\/\/www.fingo.sk\/kontakty\">na makl\u00e9rov z FinGO.sk <\/a>a zistite, ako by ste svoju star\u0161iu poistku mohli aktualizova\u0165, aby ste mali v\u00fdhodnej\u0161ie podmienky aj vy.&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>Ka\u017ed\u00e1 pois\u0165ov\u0148a to m\u00e1 nastaven\u00e9 trochu inak, no vo v\u0161eobecnosti dnes pois\u0165ovne pri kritick\u00fdch ochoreniach rozli\u0161uj\u00fa 3 a\u017e 6 bal\u00edkov. Uvediem pr\u00edklad, ako m\u00e1 kritick\u00e9 ochorenia rozdelen\u00e9 jedna z pois\u0165ovn\u00ed:&nbsp;<\/p>\n\n\n\n<p>1. N\u00e1dorov\u00e9 ochorenia<\/p>\n\n\n\n<ul>\n<li>karcin\u00f3m in situ<\/li>\n\n\n\n<li>ko\u017en\u00fd lymf\u00f3m<\/li>\n\n\n\n<li>melan\u00f3m in situ<\/li>\n<\/ul>\n\n\n\n<p>2. Kardiovaskul\u00e1rne ochorenia<\/p>\n\n\n\n<ul>\n<li>Infarkt<\/li>\n\n\n\n<li>Srdcov\u00e9 zlyhanie a&nbsp;transplant\u00e1cia srdca<\/li>\n\n\n\n<li>P\u013e\u00facna emb\u00f3lia a&nbsp;hypertenzia<\/li>\n<\/ul>\n\n\n\n<p>3. Neurologick\u00e9 ochorenia<\/p>\n\n\n\n<ul>\n<li>Boreli\u00f3za<\/li>\n\n\n\n<li>Cievna mozgov\u00e1 pr\u00edhoda<\/li>\n\n\n\n<li>Roztr\u00fasen\u00e1 skler\u00f3za<\/li>\n\n\n\n<li>Epilepsia<\/li>\n\n\n\n<li>Z\u00e1pal mozgov\u00fdch bl\u00e1n<\/li>\n\n\n\n<li>Parkinson a&nbsp;Alzheimer<\/li>\n<\/ul>\n\n\n\n<p>4. Z\u00e1palov\u00e9 a autoimunitn\u00e9 ochorenia<\/p>\n\n\n\n<ul>\n<li>Diabetes mellitus<\/li>\n\n\n\n<li>Crohnova choroba<\/li>\n\n\n\n<li>Ulcer\u00f3zna kolit\u00edda<\/li>\n\n\n\n<li>Psori\u00e1za<\/li>\n\n\n\n<li>Astma (iba deti)<\/li>\n\n\n\n<li>Celiakia (iba deti)<\/li>\n<\/ul>\n\n\n\n<p>5. Ochorenia org\u00e1nov a telesn\u00fdch funkci\u00ed<\/p>\n\n\n\n<ul>\n<li>Po\u0161kodenie zraku, sluchu a&nbsp;\u010duchu<\/li>\n\n\n\n<li>Ochrnutie a strata kon\u010dat\u00edn<\/li>\n\n\n\n<li>Zlyhanie org\u00e1nov<\/li>\n\n\n\n<li>Transplant\u00e1cia obli\u010dky, pe\u010dene, p\u013e\u00fac, tenk\u00e9ho \u010dreva, pankreasu, tv\u00e1re, ruky, pa\u017ee, nohy<\/li>\n\n\n\n<li>V\u00edrusov\u00e1 hepatit\u00edda<\/li>\n<\/ul>\n\n\n\n<p>6. In\u00e9 kritick\u00e9 ochorenia<\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj \u010dl\u00e1nok <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/zivotna-poistka-a-cakacie-doby-co-potrebujete-vediet-pred-uzatvorenim-zmluvy\/\"><strong><em>\u017divotn\u00e1 poistka a \u010dakacie doby: \u010co potrebujete vedie\u0165?<\/em><\/strong><\/a><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Krytie zn\u00ed\u017eenej sebesta\u010dnosti&nbsp;<\/h2>\n\n\n\n<p>Takisto je dobr\u00e9 vedie\u0165, \u017ee \u017eivotn\u00e9 poistenie v niektor\u00fdch pois\u0165ovniach u\u017e dok\u00e1\u017ee kry\u0165 aj zn\u00ed\u017een\u00fa sebesta\u010dnos\u0165. O \u010do ide? Akon\u00e1hle strat\u00edte schopnos\u0165 vykon\u00e1va\u0165 z\u00e1kladn\u00e9 potreby, pois\u0165ov\u0148a v\u00e1m vyplat\u00ed poistn\u00e9 plnenie. Ide o situ\u00e1cie, kedy sa nedok\u00e1\u017eete sami o seba postara\u0165 a ste odk\u00e1zan\u00ed na cudziu pomoc.&nbsp;<\/p>\n\n\n\n<p>Ktor\u00e9 s\u00fa tie z\u00e1kladn\u00e9 \u013eudsk\u00e9 potreby?<\/p>\n\n\n\n<p>1) jedenie a&nbsp;pitie<\/p>\n\n\n\n<p>2) toaleta mal\u00e1 potreba<\/p>\n\n\n\n<p>3) toaleta ve\u013ek\u00e1 potreba<\/p>\n\n\n\n<p>4) hygiena<\/p>\n\n\n\n<p>5) k\u00fape\u013e<\/p>\n\n\n\n<p>6) obliekanie sa<\/p>\n\n\n\n<p>7) polohovanie<\/p>\n\n\n\n<p>8) chodenie po rovine<\/p>\n\n\n\n<p>9) chodenie po schodoch<\/p>\n\n\n\n<p>10) orient\u00e1cia v&nbsp;prostred\u00ed<\/p>\n\n\n\n<p>11) lie\u010debn\u00fd re\u017eim<\/p>\n\n\n\n<p>12) potreba doh\u013eadu (opatera)<\/p>\n\n\n\n<p><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">Pois\u0165ovne<\/a> v\u00e1m vyplatia poistn\u00e9 plnenie, ak strat\u00edte napr\u00edklad p\u00e4\u0165 z\u00e1kladn\u00fdch \u013eudsk\u00fdch potrieb. Ako si v zozname m\u00f4\u017eete v\u0161imn\u00fa\u0165, akon\u00e1hle strat\u00edte jednu potrebu, pravdepodobne ich strat\u00edte rovno viacero. Napr\u00edklad ak nie ste schopn\u00fd chodi\u0165 po rovine, tak s&nbsp;ve\u013ekou pravdepodobnos\u0165ou nie ste schopn\u00fd chodi\u0165 ani po schodoch.<\/p>\n\n\n\n<p>Pripoistenie sebesta\u010dnosti stoj\u00ed pribli\u017ene od 13 do 15 eur mesa\u010dne na krytie 12 000 eur. \u010ci\u017ee za 3 k\u00e1vy alebo za 1 ve\u010deru mesa\u010dne m\u00f4\u017eete by\u0165 poisten\u00fd na sumu 12 000 eur.<\/p>\n\n\n\n<p>Pozn\u00e1mka: Cenov\u00e1 model\u00e1cia je roben\u00e1 na 30-ro\u010dn\u00e9ho \u010dloveka. V\u00fd\u0161ka poistn\u00e9ho v\u017edy z\u00e1vis\u00ed od veku, zdravotn\u00e9ho stavu klienta a podobne.&nbsp;<\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj \u010dl\u00e1nok <a href=\"https:\/\/www.fingo.sk\/blog\/oplati-sa-zivotne-poistenie-preco-ho-mat-a-ako-ho-spravne-nastavit\/\">Oplat\u00ed sa \u017eivotn\u00e9 poistenie? Pre\u010do ho ma\u0165 a ako ho spr\u00e1vne nastavi\u0165<\/a><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Poistenie v\u00e1m skontrolujeme bezplatne<\/h2>\n\n\n\n<p>S&nbsp;\u201erozbal\u00edkovan\u00edm\u201d kritick\u00fdch ochoren\u00ed pri\u0161li pois\u0165ovne p\u00e1r rokov dozadu. Ak m\u00e1te zmluvu star\u0161iu ako 5 a\u017e 7 rokov, s&nbsp;ve\u013ekou pravdepodobnos\u0165ou tak\u00e9to poistn\u00e9 krytie nemus\u00ed obsahova\u0165.&nbsp;<\/p>\n\n\n\n<p>V\u00fdskyt z\u00e1va\u017en\u00fdch diagn\u00f3z vo svete aj na Slovensku st\u00fapa a bola by \u0161koda nema\u0165 poistenie, ktor\u00e9 v\u00e1m pom\u00f4\u017ee zvl\u00e1dnu\u0165 v\u00fdpadok pr\u00edjmu a s\u00fastredi\u0165 sa na to najd\u00f4le\u017eitej\u0161ie \u2013 na va\u0161e zdravie.<\/p>\n\n\n\n<p>M\u00e1te ot\u00e1zky? Nev\u00e1hajte sa na n\u00e1s obr\u00e1ti\u0165 \u2013 na\u0161i sk\u00fasen\u00ed a licencovan\u00ed <a href=\"https:\/\/www.fingo.sk\/kontakty\">makl\u00e9ri z FinGO.sk<\/a> v\u00e1m ochotne a bezplatne pom\u00f4\u017eu:<\/p>\n\n\n\n<ul>\n<li>skontroluj\u00fa va\u0161u existuj\u00facu poistn\u00fa zmluvu a vysvetlia, \u010do v\u0161etko m\u00e1te poisten\u00e9,<\/li>\n\n\n\n<li>upozornia v\u00e1s na pr\u00edpadn\u00e9 nedostatky alebo zastaran\u00e9 nastavenia,<\/li>\n\n\n\n<li>ak bude treba, navrhn\u00fa v\u00e1m nov\u00e9 rie\u0161enie, ktor\u00e9 bude \u0161it\u00e9 na mieru va\u0161ej aktu\u00e1lnej situ\u00e1cii,<\/li>\n\n\n\n<li>na z\u00e1klade va\u0161ich pr\u00edjmov, z\u00e1v\u00e4zkov, rodinnej situ\u00e1cie aj zdravotn\u00e9ho stavu v\u00e1m pripravia viacer\u00e9 ponuky od r\u00f4znych pois\u0165ovn\u00ed,&nbsp;<\/li>\n\n\n\n<li>porovnaj\u00fa v\u00e1m ich v\u00fdhody, nev\u00fdhody a hlavn\u00e9 rozdiely, aby ste si vedeli vybra\u0165 t\u00fa najvhodnej\u0161iu ponuku.<\/li>\n<\/ul>\n\n\n\n<p>Z\u00edskate tak \u017eivotn\u00e9 poistenie, ktor\u00e9 re\u00e1lne pokryje va\u0161e potreby \u2013 nielen dnes, ale aj do bud\u00facnosti.<\/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>Modern\u00e9 \u017eivotn\u00e9 poistenie \u013eu\u010fom pom\u00e1ha finan\u010dne prekona\u0165 \u0165a\u017ek\u00e9 obdobie, \u010di u\u017e z d\u00f4vodu v\u00e1\u017eneho \u00farazu alebo choroby. N\u00e1ro\u010dn\u00fdm situ\u00e1ci\u00e1m v rodin\u00e1ch, ak\u00e9 sme \u010dasto videli v rel\u00e1ci\u00e1ch Modr\u00e9 z neba alebo V siedmom nebi, sa d\u00e1 predch\u00e1dza\u0165 pr\u00e1ve kvalitn\u00fdm poisten\u00edm. M\u00e1te star\u0161iu zmluvu? Mo\u017eno je \u010das ju vylep\u0161i\u0165. A ak poistenie e\u0161te len rie\u0161ite, m\u00f4\u017eete si ho nastavi\u0165 v\u00fdhodnej\u0161ie ne\u017e kedyko\u013evek predt\u00fdm. V s\u00fa\u010dasnosti sa u\u017e klienti nepois\u0165uj\u00fa \u0161t\u00fdlom \u201emini, mid a&nbsp;max bal\u00edkov\u201d, ale ka\u017ed\u00e9 pripoistenie v\u00e1m fundovan\u00fd finan\u010dn\u00fd sprostredkovate\u013e vie nastavi\u0165 na mieru. O ak\u00fdch pripoisteniach hovor\u00edme? Krytie smrti, invalidity, kritick\u00fdch chor\u00f4b, trval\u00fdch n\u00e1sledkov \u00farazov s progresiou, denn\u00e9ho od\u0161kodn\u00e9ho \u00farazov a&nbsp;v\u00e1\u017enych d\u00f4sledkov \u00farazov, PN-ky, hospitaliz\u00e1cie alebo&nbsp;chirurgick\u00fdch z\u00e1krokov.&nbsp; V&nbsp;tomto \u010dl\u00e1nku sa zameriame na krytie kritick\u00fdch ochoren\u00ed a pozrieme sa aj na krytie zn\u00ed\u017eenej sebesta\u010dnosti.&nbsp; Drviv\u00fa v\u00e4\u010d\u0161inu invalidity sp\u00f4sobuj\u00fa kritick\u00e9 ochorenia Aj zo \u0161tatist\u00edk pois\u0165ovn\u00ed vypl\u00fdva, \u017ee iba 3 % invalidov sa stali invalidn\u00fdmi z&nbsp;d\u00f4vodu \u00farazu a&nbsp;a\u017e 97 % invalidity vznik\u00e1 pr\u00e1ve z&nbsp;d\u00f4sledku v\u00e1\u017eneho ochorenia. A \u010do sa za posledn\u00e9 roky zmenilo?&nbsp; V minulosti ste mohli by\u0165 poisten\u00fd na kritick\u00e9 choroby napr\u00edklad na sumu 10 000 eur. Akon\u00e1hle sa u v\u00e1s vyskytlo v\u00e1\u017ene ochorenie, infarkt, rakovina \u010di skler\u00f3za multiplex, pois\u0165ov\u0148a v\u00e1m vyplatila 10 000 eur a pripoistenie kritick\u00fdch chor\u00f4b zaniklo.&nbsp; Ak [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":10534,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[15],"tags":[53,89],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poistenie kritick\u00fdch ochoren\u00ed a sebesta\u010dnosti: Ako sa chr\u00e1ni\u0165<\/title>\n<meta name=\"description\" content=\"Modern\u00e9 \u017eivotn\u00e9 poistenie \u013eu\u010fom pom\u00e1ha finan\u010dne prekona\u0165 \u0165a\u017ek\u00e9 obdobie, \u010di u\u017e z d\u00f4vodu v\u00e1\u017eneho \u00farazu alebo choroby.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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