{"id":11222,"date":"2026-04-28T09:46:33","date_gmt":"2026-04-28T07:46:33","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=11222"},"modified":"2026-06-02T09:58:46","modified_gmt":"2026-06-02T07:58:46","slug":"vyluky-v-zivotnom-poisteni-kedy-vam-poistovna-nevyplati-peniaze","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/vyluky-v-zivotnom-poisteni-kedy-vam-poistovna-nevyplati-peniaze\/","title":{"rendered":"V\u00fdluky v \u017eivotnom poisten\u00ed: Kedy v\u00e1m pois\u0165ov\u0148a nevyplat\u00ed peniaze?"},"content":{"rendered":"\n<p><strong>Vojnov\u00e9 konflikty a aktu\u00e1lne dianie vo svete sp\u00f4sobili, \u017ee sa o poistn\u00fdch v\u00fdluk\u00e1ch hovor\u00ed \u010doraz viac. Mnoh\u00ed si ich sp\u00e1jaj\u00fa najm\u00e4 s cestovn\u00fdm poisten\u00edm, no ve\u013emi \u010dast\u00e9 s\u00fa aj v\u00fdluky v \u017eivotnom poisten\u00ed. Na \u010do v\u0161etko pri poistnej zmluve nezabudn\u00fa\u0165, aby ste sa v bud\u00facnosti vyhli nepr\u00edjemn\u00fdm prekvapeniam?<\/strong><\/p>\n\n\n\n<h2>Gener\u00e1lne v\u00fdluky v \u017eivotnom poisten\u00ed<\/h2>\n\n\n\n<p>V \u017eivotnom poisten\u00ed pozn\u00e1me tzv. gener\u00e1lne v\u00fdluky, teda situ\u00e1cie, pri ktor\u00fdch v\u00e1m pois\u0165ov\u0148a nevyplat\u00ed peniaze z poistn\u00e9ho plnenia, aj ke\u010f udalos\u0165 nastane. Patria sem napr\u00edklad vojnov\u00e9 a jadrov\u00e9 konflikty \u010di \u00fa\u010das\u0165 na teroristickom \u010dine.<\/p>\n\n\n\n<p>\u010co to znamen\u00e1? Ak by napr\u00edklad do\u0161lo k \u00farazu alebo \u00famrtiu v s\u00favislosti s vojnov\u00fdm konfliktom, pois\u0165ov\u0148a nie je povinn\u00e1 vyplati\u0165 poistn\u00e9 plnenie. Plat\u00ed to najm\u00e4 vtedy, ak by sa klient nach\u00e1dzal v oblasti akt\u00edvneho konfliktu alebo v destin\u00e1cii, do ktorej sa z bezpe\u010dnostn\u00fdch d\u00f4vodov neodpor\u00fa\u010dalo cestova\u0165.<\/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<h2><a><\/a>\u010castej\u0161ie s\u00fa individu\u00e1lne v\u00fdluky<\/h2>\n\n\n\n<p>Ove\u013ea \u010dastej\u0161ie sa v\u0161ak stret\u00e1vame s individu\u00e1lnymi v\u00fdlukami, ktor\u00e9 b\u00fdvaj\u00fa viazan\u00e9 na konkr\u00e9tnu zmluvu <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">\u017eivotn\u00e9ho poistenia.<\/a><\/p>\n\n\n\n<ul>\n<li>Ide napr\u00edklad o udalosti sp\u00f4soben\u00e9 pod vplyvom alkoholu alebo omamn\u00fdch l\u00e1tok, o sebapo\u0161kodenie \u010di o tzv. predchorobie.<\/li>\n\n\n\n<li>Predchorob\u00edm rozumieme zdravotn\u00e9 \u0165a\u017ekosti, \u00farazy alebo diagn\u00f3zy, ktor\u00e9 v\u00e1m diagnostikovali alebo lie\u010dili e\u0161te pred vstupom do poistenia.<\/li>\n\n\n\n<li>Pr\u00e1ve tie patria k naj\u010dastej\u0161\u00edm probl\u00e9mom. Klienti ich toti\u017e \u010dasto podcenia alebo ne\u00famyselne zaml\u010dia, \u010do m\u00f4\u017ee vies\u0165 a\u017e k zamietnutiu poistn\u00e9ho plnenia.<\/li>\n<\/ul>\n\n\n\n<p><strong>Pr\u00edklad:<\/strong> V praxi som sa stretla napr\u00edklad s pr\u00edpadom, ke\u010f klientovi diagnostikovali n\u00e1dorov\u00e9 ochorenie s n\u00e1lezom na chrbtici. Pois\u0165ov\u0148a pri posudzovan\u00ed poistnej udalosti zistila, \u017ee klient zaml\u010dal zdravotn\u00e9 probl\u00e9my s\u00favisiace s n\u00e1lezmi na chrbtici, ktor\u00e9 mal u\u017e pred uzatvoren\u00edm zmluvy. V tomto pr\u00edpade plnenie zamietla a zmluvu vypovedala.<\/p>\n\n\n\n<p>Pois\u0165ov\u0148a v\u0161ak z\u00e1rove\u0148 prist\u00fapila k proklientsk\u00e9mu rie\u0161eniu a zmluvu ukon\u010dila sp\u00e4tne od jej za\u010diatku. Aj ke\u010f poistn\u00e9 plnenie nevyplatila, klientovi vr\u00e1tila cel\u00e9 zaplaten\u00e9 poistn\u00e9 od uzatvorenia zmluvy. Ide v\u0161ak o ojedinel\u00fd pr\u00edpad, preto je potrebn\u00e9 zdravotn\u00e9 dotazn\u00edky vyp\u013a\u0148a\u0165 naozaj zodpovedne.<\/p>\n\n\n\n<h2><a><\/a>Pre\u010do je zdravotn\u00fd dotazn\u00edk tak\u00fd d\u00f4le\u017eit\u00fd<\/h2>\n\n\n\n<p>Pr\u00e1ve zdravotn\u00fd dotazn\u00edk, ktor\u00fd vyp\u013a\u0148ate pred vstupom do poistenia, zohr\u00e1va k\u013e\u00fa\u010dov\u00fa \u00falohu. Pois\u0165ov\u0148a toti\u017e na jeho z\u00e1klade posudzuje v\u00e1\u0161 zdravotn\u00fd stav a rozhoduje o prijat\u00ed do poistenia, pr\u00edpadne o v\u00fdluk\u00e1ch vypl\u00fdvaj\u00facich z v\u00e1\u0161ho zdravotn\u00e9ho stavu.<\/p>\n\n\n\n<p><strong>Pozor!<\/strong> Ak v zdravotnom dotazn\u00edku neuvediete pravdiv\u00e9 inform\u00e1cie, m\u00f4\u017ee to vies\u0165 k odmietnutiu poistn\u00e9ho plnenia, a to aj sp\u00e4tne. Ak sa v\u00e1m toti\u017e stane v\u00e1\u017eny \u00faraz alebo v\u00e1m diagnostikuj\u00fa z\u00e1va\u017en\u00e9 ochorenie, pois\u0165ov\u0148a m\u00e1 pr\u00e1vo preveri\u0165 va\u0161u zdravotn\u00fa dokument\u00e1ciu a porovna\u0165 ju s \u00fadajmi, ktor\u00e9 ste uviedli pri uzatv\u00e1ran\u00ed zmluvy.<\/p>\n\n\n\n<p>Zdravotn\u00fd dotazn\u00edk je preto potrebn\u00e9 vyplni\u0165 naozaj zodpovedne a d\u00f4sledne. Pri dojedn\u00e1van\u00ed poistenia v\u0161ak t\u00fato povinnos\u0165 mnoh\u00ed \u013eudia podce\u0148uj\u00fa, zdravotn\u00e9 \u0165a\u017ekosti neuv\u00e1dzaj\u00fa \u00faplne alebo si na v\u0161etky diagn\u00f3zy nespomen\u00fa.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> Pom\u00f4c\u0165 v\u00e1m m\u00f4\u017ee aj v\u00fdpis zo zdravotnej dokument\u00e1cie, ktor\u00fd si viete bezplatne stiahnu\u0165 zo svojej zdravotnej pois\u0165ovne. Na\u0161i sk\u00fasen\u00ed \u0161pecialisti z <a href=\"http:\/\/fingo.sk\">FinGO.sk<\/a> v\u00e1m poradia, ako na to.<\/p>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si, <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vybrat-zivotne-poistenie-a-co-ma-obsahovat\/\"><strong><em>ako si vybra\u0165 \u017eivotn\u00e9 poistenie v roku 2026.<\/em><\/strong><\/a><strong><em><\/em><\/strong><\/p>\n\n\n\n<h2><a><\/a>Pois\u0165ovne sa l\u00ed\u0161ia viac ne\u017e len cenou <strong><\/strong><\/h2>\n\n\n\n<p>Myslite aj na to, \u017ee rozdiely medzi pois\u0165ov\u0148ami nie s\u00fa len v cene poistn\u00e9ho. L\u00ed\u0161ia sa aj rozsahom samotn\u00e9ho krytia. Niektor\u00e9 pois\u0165ovne ur\u010dit\u00e9 diagn\u00f3zy nekryj\u00fa v\u00f4bec, in\u00e9 len \u010diasto\u010dne.<\/p>\n\n\n\n<p>Rozdiely v poistnom plnen\u00ed m\u00f4\u017eu by\u0165 v\u00fdrazn\u00e9 nielen pri <a href=\"https:\/\/www.fingo.sk\/blog\/rakovina-a-ine-kriticke-ochorenia-su-financne-narocne-ako-sa-chranit\/\">kritick\u00fdch ochoreniach<\/a>, ale aj pri invalidite \u010di pr\u00e1ceneschopnosti. Niektor\u00e9 pois\u0165ovne napr\u00edklad nevyplatia poistn\u00e9 plnenie, ak je klient PN v d\u00f4sledku ochoren\u00ed chrbtice alebo pri invalidite sp\u00f4sobenej psychick\u00fdmi ochoreniami. Pritom po\u010det t\u00fdchto ochoren\u00ed na Slovensku aj vo svete rap\u00eddne rastie.<\/p>\n\n\n\n<p>Ka\u017ed\u00e1 pois\u0165ov\u0148a z\u00e1rove\u0148 kryje kritick\u00e9 ochorenia, ako s\u00fa rakovina, srdcovo-cievne ochorenia \u010di skler\u00f3za multiplex, v r\u00f4znom rozsahu. Defin\u00edcie jednotliv\u00fdch diagn\u00f3z sa v\u0161ak medzi pois\u0165ov\u0148ami l\u00ed\u0161ia. Preto sa m\u00f4\u017ee sta\u0165, \u017ee rovnak\u00fa diagn\u00f3zu v\u00e1m jedna pois\u0165ov\u0148a preplat\u00ed, zatia\u013e \u010do in\u00e1 nie.<\/p>\n\n\n\n<h2>Pri poistnom plnen\u00ed rozhoduj\u00fa aj detaily v zmluve <strong><\/strong><\/h2>\n\n\n\n<p>V\u00fdluk sa nemus\u00edte ob\u00e1va\u0165, ak je va\u0161e poistenie spr\u00e1vne nastaven\u00e9 a pri jeho uzatv\u00e1ran\u00ed ste uviedli v\u0161etky relevantn\u00e9 inform\u00e1cie. K\u013e\u00fa\u010dov\u00e9 je, aby ste poznali podmienky svojej zmluvy a venovali pozornos\u0165 detailom. Poistenie v\u00e1m tak m\u00f4\u017ee poskytn\u00fa\u0165 istotu v situ\u00e1ci\u00e1ch, ke\u010f ju budete potrebova\u0165 najviac.<\/p>\n\n\n\n<p>V\u017edy v\u0161ak z\u00e1le\u017e\u00ed aj na okolnostiach poistnej udalosti a na pr\u00edstupe konkr\u00e9tnej pois\u0165ovne. Napr\u00edklad po\u010das pand\u00e9mie COVID-19 pois\u0165ovne napriek p\u00f4vodn\u00fdm v\u00fdluk\u00e1m vypl\u00e1cali poistn\u00e9 plnenie klientom so z\u00e1va\u017en\u00fdmi ochoreniami formou verejn\u00fdch pr\u00eds\u013eubov.<\/p>\n\n\n\n<p>Po\u010das pand\u00e9mie tak klientom vypl\u00e1cali peniaze za hospitaliz\u00e1cie, chirurgick\u00e9 z\u00e1kroky, dlhodob\u00fa PN a, \u017eia\u013e, aj \u00famrtia. I\u0161lo o mili\u00f3ny eur a je potrebn\u00e9 oceni\u0165, \u017ee komer\u010dn\u00e9 pois\u0165ovne v tejto situ\u00e1cii podr\u017eali svojich klientov.<\/p>\n\n\n\n<h2><a><\/a>\u010co robi\u0165, aby v\u00e1s \u017eivotn\u00e9 poistenie nesklamalo<\/h2>\n\n\n\n<p>Dobrou spr\u00e1vou je, \u017ee v\u00fdluky nemusia by\u0165 probl\u00e9m, ak je va\u0161e \u017eivotn\u00e9 poistenie spr\u00e1vne nastaven\u00e9. Preto nezab\u00fadajte, \u017ee:<\/p>\n\n\n\n<ul>\n<li>neexistuje univerz\u00e1lne najlep\u0161ia vo\u013eba \u017eivotn\u00e9ho poistenia pre v\u0161etk\u00fdch<\/li>\n\n\n\n<li>v\u00fdber z\u00e1vis\u00ed od viacer\u00fdch faktorov, ako s\u00fa v\u00fd\u0161ka v\u00e1\u0161ho pr\u00edjmu, rizikovos\u0165 zamestnania \u010di podnikania, \u00faverov\u00e9 za\u0165a\u017eenie, zdravotn\u00fd a rodinn\u00fd stav aj vo\u013eno\u010dasov\u00e9 aktivity,<\/li>\n\n\n\n<li><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">\u017eivotn\u00e9 poistenie<\/a> preto konzultujte s odborn\u00edkom, ktor\u00fd pracuje s portf\u00f3liom viacer\u00fdch pois\u0165ovn\u00ed, a neporovn\u00e1va len cenu, ale aj rozsah krytia,<\/li>\n\n\n\n<li>v niektor\u00fdch pr\u00edpadoch m\u00f4\u017ee by\u0165 najvhodnej\u0161\u00edm rie\u0161en\u00edm aj kombin\u00e1cia viacer\u00fdch pois\u0165ovn\u00ed,<\/li>\n\n\n\n<li>pri vstupe do poistenia pravdivo vypl\u0148te zdravotn\u00fd dotazn\u00edk,<\/li>\n\n\n\n<li>spolo\u010dne so \u0161pecialistom si d\u00f4kladne pre\u0161tudujte poistn\u00e9 podmienky aj zoznam v\u00fdluk,<\/li>\n\n\n\n<li>ak u\u017e poistenie m\u00e1te, pravidelne si kontrolujte jeho nastavenie a rozsah krytia,<\/li>\n\n\n\n<li>nezab\u00fadajte na pravideln\u00fa aktualiz\u00e1ciu pod\u013ea va\u0161ej aktu\u00e1lnej \u017eivotnej situ\u00e1cie.<\/li>\n<\/ul>\n\n\n\n<p><strong>TIP: <\/strong>Kedyko\u013evek sa m\u00f4\u017eete obr\u00e1ti\u0165 na <a href=\"https:\/\/www.fingo.sk\/kontakty\">makl\u00e9rov z <\/a><a href=\"http:\/\/fingo.sk\">FinGO.sk<\/a>, ktor\u00ed v\u00e1m pom\u00f4\u017eu nastavi\u0165 \u017eivotn\u00e9 poistenie pod\u013ea va\u0161ich potrieb. Spolu s vami vyplnia zdravotn\u00fd dotazn\u00edk, vysvetlia rozsah krytia aj v\u00fdluky, a v pr\u00edpade potreby skontroluj\u00fa aj va\u0161e existuj\u00face poistn\u00e9 zmluvy.<\/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>Vojnov\u00e9 konflikty a aktu\u00e1lne dianie vo svete sp\u00f4sobili, \u017ee sa o poistn\u00fdch v\u00fdluk\u00e1ch hovor\u00ed \u010doraz viac. Mnoh\u00ed si ich sp\u00e1jaj\u00fa najm\u00e4 s cestovn\u00fdm poisten\u00edm, no ve\u013emi \u010dast\u00e9 s\u00fa aj v\u00fdluky v \u017eivotnom poisten\u00ed. Na \u010do v\u0161etko pri poistnej zmluve nezabudn\u00fa\u0165, aby ste sa v bud\u00facnosti vyhli nepr\u00edjemn\u00fdm prekvapeniam? Gener\u00e1lne v\u00fdluky v \u017eivotnom poisten\u00ed V \u017eivotnom poisten\u00ed pozn\u00e1me tzv. gener\u00e1lne v\u00fdluky, teda situ\u00e1cie, pri ktor\u00fdch v\u00e1m pois\u0165ov\u0148a nevyplat\u00ed peniaze z poistn\u00e9ho plnenia, aj ke\u010f udalos\u0165 nastane. Patria sem napr\u00edklad vojnov\u00e9 a jadrov\u00e9 konflikty \u010di \u00fa\u010das\u0165 na teroristickom \u010dine. \u010co to znamen\u00e1? Ak by napr\u00edklad do\u0161lo k \u00farazu alebo \u00famrtiu v s\u00favislosti s vojnov\u00fdm konfliktom, pois\u0165ov\u0148a nie je povinn\u00e1 vyplati\u0165 poistn\u00e9 plnenie. Plat\u00ed to najm\u00e4 vtedy, ak by sa klient nach\u00e1dzal v oblasti akt\u00edvneho konfliktu alebo v destin\u00e1cii, do ktorej sa z bezpe\u010dnostn\u00fdch d\u00f4vodov neodpor\u00fa\u010dalo cestova\u0165. \u010castej\u0161ie s\u00fa individu\u00e1lne v\u00fdluky Ove\u013ea \u010dastej\u0161ie sa v\u0161ak stret\u00e1vame s individu\u00e1lnymi v\u00fdlukami, ktor\u00e9 b\u00fdvaj\u00fa viazan\u00e9 na konkr\u00e9tnu zmluvu \u017eivotn\u00e9ho poistenia. Pr\u00edklad: V praxi som sa stretla napr\u00edklad s pr\u00edpadom, ke\u010f klientovi diagnostikovali n\u00e1dorov\u00e9 ochorenie s n\u00e1lezom na chrbtici. Pois\u0165ov\u0148a pri posudzovan\u00ed poistnej udalosti zistila, \u017ee klient zaml\u010dal zdravotn\u00e9 probl\u00e9my s\u00favisiace s n\u00e1lezmi na chrbtici, ktor\u00e9 mal u\u017e pred uzatvoren\u00edm zmluvy. V tomto pr\u00edpade plnenie zamietla a [&hellip;]<\/p>\n","protected":false},"author":59,"featured_media":11225,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,15],"tags":[89],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>V\u00fdluky v \u017eivotnom poisten\u00ed: Kedy pois\u0165ov\u0148a neplat\u00ed?<\/title>\n<meta name=\"description\" content=\"Kedy v\u00e1m pois\u0165ov\u0148a nemus\u00ed vyplati\u0165 peniaze? Pozrite sa na gener\u00e1lne a individu\u00e1lne v\u00fdluky a d\u00f4le\u017eitos\u0165 pravdiv\u00e9ho zdravotn\u00e9ho dotazn\u00edka.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/vyluky-v-zivotnom-poisteni-kedy-vam-poistovna-nevyplati-peniaze\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"V\u00fdluky v \u017eivotnom poisten\u00ed: Kedy pois\u0165ov\u0148a neplat\u00ed?\" \/>\n<meta property=\"og:description\" content=\"Kedy v\u00e1m pois\u0165ov\u0148a nemus\u00ed vyplati\u0165 peniaze? 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