{"id":11438,"date":"2026-09-15T20:27:25","date_gmt":"2026-09-15T18:27:25","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=11438"},"modified":"2026-09-15T20:27:26","modified_gmt":"2026-09-15T18:27:26","slug":"mate-na-modernu-liecbu-preco-sa-oplati-zivotne-poistenie-pri-vaznej-diagnoze","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/mate-na-modernu-liecbu-preco-sa-oplati-zivotne-poistenie-pri-vaznej-diagnoze\/","title":{"rendered":"M\u00e1te na modern\u00fa lie\u010dbu? Pre\u010do sa oplat\u00ed \u017eivotn\u00e9 poistenie pri v\u00e1\u017enej diagn\u00f3ze"},"content":{"rendered":"\n<p><strong>V\u00e1\u017ena diagn\u00f3za sa nep\u00fdta na vek. M\u00f4\u017ee pr\u00eds\u0165 v tridsiatke aj v \u0161tyridsiatke, bez varovania. K stresu zo zdravotn\u00e9ho stavu sa tak r\u00fdchlo prid\u00e1 v\u00fdpadok pr\u00edjmu, hypot\u00e9ka a rast\u00face \u00fa\u010dty za modern\u00fa lie\u010dbu. Pr\u00e1ve tu sa l\u00e1me chlieb a na mieste je ot\u00e1zka &#8211; m\u00e1te \u017eivotn\u00e9 poistenie, ktor\u00e9 v\u00e1s v takejto chv\u00edli podr\u017e\u00ed?&nbsp;<\/strong><\/p>\n\n\n\n<p>Ke\u010f \u010dloveku ozn\u00e1mia v\u00e1\u017enu diagn\u00f3zu, rie\u0161i predov\u0161etk\u00fdm svoje zdravie. Prem\u00fd\u0161\u013ea nad t\u00fdm, ak\u00e1 lie\u010dba ho \u010dak\u00e1, ak\u00e9 m\u00e1 mo\u017enosti a \u010do bude \u010falej.&nbsp;<\/p>\n\n\n\n<h2>Modern\u00e1 lie\u010dba na Slovensku nie je samozrejmos\u0165ou&nbsp;<\/h2>\n\n\n\n<p>Dostupnos\u0165 modernej lie\u010dby je v\u0161ak na Slovensku v\u00fdrazne ni\u017e\u0161ia ne\u017e priemer E\u00da. Pod\u013ea spr\u00e1vy EFPIA Patients W.A.I.T. Indicator 2025 je u n\u00e1s dostupn\u00fdch len 21 % zo 168 inovat\u00edvnych liekov schv\u00e1len\u00fdch v Eur\u00f3pe v rokoch 2021 a\u017e 2024. Priemer E\u00da dosahuje 45 %. Pri modern\u00fdch onkologick\u00fdch liekoch je rozdiel e\u0161te v\u00fdraznej\u0161\u00ed. Na Slovensku je dostupn\u00fdch pribli\u017ene 14 % z nich, zatia\u013e \u010do eur\u00f3psky priemer dosahuje 51 %.<\/p>\n\n\n\n<p>V\u00e1\u017ena diagn\u00f3za tak m\u00f4\u017ee prinies\u0165 viacero starost\u00ed naraz. Okrem samotnej lie\u010dby m\u00f4\u017eete rie\u0161i\u0165 zv\u00fd\u0161en\u00e9 v\u00fddavky, dlh\u0161iu pracovn\u00fa pauzu alebo potrebu cestova\u0165 za \u0161pecializovanou starostlivos\u0165ou. Potrebujete pritom ma\u0165 dostatok \u010dasu a priestoru s\u00fastredi\u0165 sa na svoje zdravie a zotavenie bez toho, aby ste museli zo d\u0148a na de\u0148 robi\u0165 z\u00e1sadn\u00e9 finan\u010dn\u00e9 rozhodnutia.&nbsp;<\/p>\n\n\n\n<p>Jednou z mo\u017enost\u00ed, ako zmierni\u0165 finan\u010dn\u00fd dopad v\u00e1\u017eneho ochorenia \u010di \u00farazu, je <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?_gl=1*ocspyr*_up*MQ..*_ga*MTA4NjY3OTQzNC4xNzg5NDc4NDM5*_ga_C3CZ6Z9D3P*czE3ODk0Nzg0MzgkbzEkZzAkdDE3ODk0Nzg0MzgkajYwJGwwJGgw*_ga_2GY2HSEGGK*czE3ODk0Nzg0MzgkbzEkZzAkdDE3ODk0Nzg0MzgkajYwJGwwJGgw\">\u017eivotn\u00e9 poistenie<\/a>. Nesl\u00fa\u017ei iba ako ochrana pre pr\u00edpad smrti, ako si mnoh\u00ed myslia. Poistn\u00e9 plnenie m\u00f4\u017ee v pr\u00edpade z\u00e1va\u017enej diagn\u00f3zy \u010di \u00farazu pom\u00f4c\u0165 pokry\u0165:<\/p>\n\n\n\n<ul>\n<li>v\u00fdpadok pr\u00edjmu<\/li>\n\n\n\n<li>dopravu za \u0161pecialistami<\/li>\n\n\n\n<li>rehabilit\u00e1cie<\/li>\n\n\n\n<li>pr\u00edpadn\u00fa \u00fapravu b\u00fdvania&nbsp;<\/li>\n\n\n\n<li>n\u00e1klady na pomoc pri be\u017enom fungovan\u00ed<\/li>\n<\/ul>\n\n\n\n<p>D\u00f4le\u017eit\u00e9 je, \u017ee v\u010faka poistn\u00e9mu plneniu nemus\u00edte robi\u0165 z\u00e1sadn\u00e9 finan\u010dn\u00e9 rozhodnutia pod tlakom.\u00a0<\/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>Invaliditu nad 70 % \u010dasto sp\u00f4sobuj\u00fa n\u00e1dorov\u00e9 ochorenia&nbsp;<\/h2>\n\n\n\n<p>Finan\u010dn\u00e9 riziko pritom nes\u00favis\u00ed iba s n\u00e1kladmi na samotn\u00fa lie\u010dbu. Ve\u013ek\u00fdm probl\u00e9mom m\u00f4\u017ee by\u0165 aj to, \u017ee \u010dlovek ur\u010dit\u00fd \u010das nedok\u00e1\u017ee pracova\u0165 v\u00f4bec, pr\u00edpadne sa u\u017e nedok\u00e1\u017ee vr\u00e1ti\u0165 k svojej p\u00f4vodnej pr\u00e1ci v rovnakom rozsahu.<\/p>\n\n\n\n<ul>\n<li>Pod\u013ea \u00fadajov Soci\u00e1lnej pois\u0165ovne bolo vlani novouznan\u00fdch 17 873 invalid\u00edt.&nbsp;<\/li>\n\n\n\n<li>Pribli\u017ene 71 % z nich predstavovali pr\u00edpady, ke\u010f schopnos\u0165 pracova\u0165 klesla o 41 a\u017e 70 %.&nbsp;<\/li>\n\n\n\n<li>\u010eal\u0161\u00edch 5 147 \u013eud\u00ed malo pokles pracovnej schopnosti o viac ako 70 %.<\/li>\n\n\n\n<li>Pri invalidit\u00e1ch nad 70 % patria medzi dominantn\u00e9 pr\u00ed\u010diny n\u00e1dorov\u00e9 ochorenia.&nbsp;<\/li>\n\n\n\n<li>V prvom polroku 2025 tvorili 1 628 z 2 683 novouznan\u00fdch pr\u00edpadov, teda pribli\u017ene 61 %.<\/li>\n<\/ul>\n\n\n\n<p>Rakovina \u010di in\u00e9 v\u00e1\u017ene ochorenia sa v\u0161ak net\u00fdkaj\u00fa iba seniorov. M\u00f4\u017eu \u010dloveka zastihn\u00fa\u0165 v najakt\u00edvnej\u0161om obdob\u00ed \u017eivota, ke\u010f m\u00e1 hypot\u00e9ku, deti a stabiln\u00fd pr\u00edjem, od ktor\u00e9ho je dom\u00e1cnos\u0165 z\u00e1visl\u00e1.&nbsp;<\/p>\n\n\n\n<p><strong><em>Dajte pozor na v\u00fdluky pri \u017eivotnom poisten\u00ed. <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/vyluky-v-zivotnom-poisteni-kedy-vam-poistovna-nevyplati-peniaze\/\"><strong><em>O \u010do ide, sa dozviete v na\u0161om \u010dl\u00e1nku<\/em><\/strong><\/a><\/p>\n\n\n\n<h2>Ako ochorenie men\u00ed rodinn\u00fd rozpo\u010det a kari\u00e9ru&nbsp;<\/h2>\n\n\n\n<p>Ak v d\u00f4sledku ochorenia pr\u00edde o schopnos\u0165 pracova\u0165 alebo sa jeho pr\u00edjem v\u00fdrazne zn\u00ed\u017ei, rodina mus\u00ed \u010deli\u0165 finan\u010dn\u00e9mu v\u00fdpadku pr\u00e1ve v \u010dase, ke\u010f z\u00e1rove\u0148 rast\u00fa n\u00e1klady na lie\u010dbu a \u010fal\u0161iu starostlivos\u0165.<\/p>\n\n\n\n<p>\u010castou mylnou predstavou je, \u017ee \u010dlovek je bu\u010f \u00faplne zdrav\u00fd a pracuje naplno, alebo je invalidn\u00fd a nepracuje v\u00f4bec. Dopad ochorenia na pracovn\u00fd \u017eivot v\u0161ak m\u00f4\u017ee by\u0165 v\u00fdrazn\u00fd aj pri invalidite nad 40 %.<\/p>\n\n\n\n<p>Po v\u00e1\u017enom ochoren\u00ed sa \u010dlovek m\u00f4\u017ee do pr\u00e1ce vr\u00e1ti\u0165, no u\u017e nemus\u00ed zvl\u00e1da\u0165 rovnak\u00e9 tempo, po\u010det hod\u00edn alebo p\u00f4vodn\u00fa profesiu. Niekedy sa mus\u00ed preorientova\u0165 na in\u00fa pr\u00e1cu alebo prisp\u00f4sobi\u0165 pracovn\u00e9 podmienky svojmu zdravotn\u00e9mu stavu. Aj tak\u00e1to zmena m\u00f4\u017ee ma\u0165 dlhodob\u00fd vplyv na pr\u00edjem a \u017eivotn\u00fa \u00farove\u0148.<\/p>\n\n\n\n<h2>Hypot\u00e9ka, deti, pr\u00e1ca. \u010co ak o pr\u00edjem zo d\u0148a na de\u0148 pr\u00eddete?<\/h2>\n\n\n\n<p>Ak ste mlad\u00ed, mo\u017eno si hovor\u00edte, \u017ee \u017eivotn\u00e9 poistenie zatia\u013e nepotrebujete. Nem\u00e1te deti, <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">hypot\u00e9ku<\/a> ani v\u00e4\u010d\u0161\u00ed majetok a m\u00e1te pocit, \u017ee vo va\u0161om pr\u00edpade nie je \u010do chr\u00e1ni\u0165.&nbsp;<\/p>\n\n\n\n<p>V skuto\u010dnosti v\u0161ak m\u00e1te pred sebou desiatky rokov pracovn\u00e9ho \u017eivota a pr\u00e1ve v\u00e1\u0161 bud\u00faci pr\u00edjem m\u00f4\u017ee by\u0165 t\u00fdm najv\u00e4\u010d\u0161\u00edm finan\u010dn\u00fdm akt\u00edvom. Ak v\u00e1s v\u00e1\u017ene ochorenie alebo \u00faraz v\u00fdrazne obmedz\u00ed, d\u00f4sledky m\u00f4\u017eu by\u0165 ove\u013ea v\u00e4\u010d\u0161ie ne\u017e jeden ne\u010dakan\u00fd v\u00fddavok.&nbsp;<\/p>\n\n\n\n<h2>187-tis\u00edc eur po \u00faraze. Aj tak\u00e9 plnenia vypl\u00e1caj\u00fa pois\u0165ovne<\/h2>\n\n\n\n<p>Ako m\u00f4\u017ee vyzera\u0165 finan\u010dn\u00fd dopad v\u00e1\u017eneho ochorenia alebo \u00farazu, ukazuj\u00fa aj pr\u00edpady, pri ktor\u00fdch pois\u0165ovne vyplatili klientom vysok\u00e9 poistn\u00e9 plnenia.<\/p>\n\n\n\n<ul>\n<li>Napr\u00edklad 45-ro\u010dn\u00e9mu klientovi s Hodgkinovou chorobou vyplatila pois\u0165ov\u0148a Allianz 40 000 eur. \u010eal\u0161\u00ed, 36-ro\u010dn\u00fd klient, dostal po diagnostikovan\u00ed n\u00e1doru \u0161t\u00edtnej \u017e\u013eazy a priznan\u00ed 60-percentnej invalidity takmer 26-tis\u00edc eur.<\/li>\n\n\n\n<li>Po v\u00e1\u017enej nehode na motorke, pri ktorej utrpel viacn\u00e1sobn\u00e9 zlomeniny a poranenie miechy, vyplatila pois\u0165ov\u0148a 28-ro\u010dn\u00e9mu klientovi za lie\u010denie, trval\u00e9 n\u00e1sledky a invaliditu vy\u0161e 187-tis\u00edc eur.<\/li>\n\n\n\n<li>Podobn\u00e9 pr\u00edpady eviduje aj pois\u0165ov\u0148a W\u00fcstenrot. Klientovi s onkologick\u00fdm ochoren\u00edm p\u013e\u00fac vyplatila 20 000 eur a po jeho \u00famrt\u00ed \u010fal\u0161\u00edch 130 000 eur jeho najbli\u017e\u0161\u00edm, spolu teda 150 000 eur. Na poistnom dovtedy zaplatil pribli\u017ene 2 000 eur.<\/li>\n\n\n\n<li>V inom pr\u00edpade po v\u00e1\u017enej autonehode a n\u00e1slednom priznan\u00ed 75-percentnej invalidity klient z\u00edskal jednorazov\u00e9 plnenie takmer 85 000 eur. Po vyhodnoten\u00ed trval\u00fdch n\u00e1sledkov \u00farazu m\u00f4\u017ee dosta\u0165 e\u0161te \u010fal\u0161ie plnenie v hodnote nieko\u013ek\u00fdch desiatok tis\u00edc eur.<\/li>\n<\/ul>\n\n\n\n<p>Medzi naj\u010dastej\u0161ie pr\u00ed\u010diny invalidity na Slovensku patria aj psychick\u00e9 ochorenia. Pois\u0165ovne sa preto sna\u017eia vytv\u00e1ra\u0165 priestor aj pre tieto rizik\u00e1. Generali napr\u00edklad za posledn\u00fdch 12 mesiacov vyplatila klientom takmer 70-tis\u00edc eur za diagn\u00f3zu syndr\u00f3mu vyhorenia.<\/p>\n\n\n\n<h2>Poistenie nastavte pod\u013ea toho, \u010do dnes potrebujete chr\u00e1ni\u0165&nbsp;<\/h2>\n\n\n\n<p>Zmyslom <a href=\"https:\/\/www.fingo.sk\/kontakty\">\u017eivotn\u00e9ho poistenia<\/a> nie je ma\u0165 \u010do najviac pripoisten\u00ed. Treba za\u010da\u0165 ot\u00e1zkou, \u010do by sa stalo s va\u0161\u00edm \u017eivotom a pr\u00edjmom, keby ste ur\u010dit\u00fd \u010das alebo natrvalo nemohli pracova\u0165 tak ako dnes. Pr\u00e1ve odpove\u010f na t\u00fato ot\u00e1zku by mala by\u0165 z\u00e1kladom nastavenia poistnej ochrany.<\/p>\n\n\n\n<p>Za d\u00f4le\u017eit\u00e9 pova\u017eujem najm\u00e4 krytie:<\/p>\n\n\n\n<ul>\n<li>invalidity<\/li>\n\n\n\n<li>kritick\u00fdch ochoren\u00ed<\/li>\n\n\n\n<li>trval\u00fdch n\u00e1sledkov \u00farazu&nbsp;<\/li>\n\n\n\n<li>dlhodobej pr\u00e1ceneschopnosti<\/li>\n<\/ul>\n\n\n\n<p>\u017divotn\u00e9 poistenie z\u00e1rove\u0148 nie je produkt, ktor\u00fd nastav\u00edte raz a u\u017e sa k nemu nemus\u00edte vraca\u0165. Lebo poistenie, ktor\u00e9 d\u00e1valo zmysel pred desiatimi rokmi, dnes nemus\u00ed chr\u00e1ni\u0165 to, \u010do je pre v\u00e1s najd\u00f4le\u017eitej\u0161ie.&nbsp;<\/p>\n\n\n\n<p>Sta\u010d\u00ed, \u017ee sa zmen\u00ed v\u00e1\u0161 pr\u00edjem, pribudne hypot\u00e9ka alebo rodina, pr\u00edpadne za\u010dnete podnika\u0165. Preto m\u00e1 zmysel poistn\u00fa zmluvu z \u010dasu na \u010das <a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\">skontrolova\u0165 <\/a>a overi\u0165 si, \u010di st\u00e1le zodpoved\u00e1 tomu, ako dnes \u017eijete.&nbsp;<\/p>\n\n\n\n<p>Do pozornosti d\u00e1vam aj mo\u017enos\u0165 index\u00e1cie. T\u00e1 pom\u00e1ha chr\u00e1ni\u0165 hodnotu \u017eivotn\u00e9ho poistenia pred infl\u00e1ciou, \u010di\u017ee ako rast\u00fa ceny, m\u00f4\u017ee sa postupne zvy\u0161ova\u0165 aj suma, na ktor\u00fa sme poisten\u00ed. V\u00fdhodou je, \u017ee pri jej vyu\u017eit\u00ed spravidla nemus\u00edme op\u00e4tovne dokladova\u0165 svoj zdravotn\u00fd stav.<\/p>\n\n\n\n<p><strong><em>Ste si ist\u00ed, \u017ee ste pri uzatv\u00e1ran\u00ed poistenia na ni\u010d nezabudli? <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/aj-jedna-zabudnuta-diagnoza-moze-skomplikovat-vyplatenie-zivotnej-poistky\/\"><strong><em>Pre\u010d\u00edtajte si aj \u010dl\u00e1nok o jednej zabudnutej diagn\u00f3ze<\/em><\/strong><\/a><\/p>\n\n\n\n<h2>7 r\u00e1d, na \u010do myslie\u0165 pri \u017eivotnom poisten\u00ed u\u017e v mladom veku<\/h2>\n\n\n\n<ol>\n<li>Za\u010dnite, k\u00fdm ste zdrav\u00ed. Ak o \u017eivotnom poisten\u00ed uva\u017eujete, ne\u010dakajte na zdravotn\u00e9 komplik\u00e1cie. V\u00e1\u0161 zdravotn\u00fd stav m\u00f4\u017ee ovplyvni\u0165 podmienky poistenia.<\/li>\n\n\n\n<li>V ni\u017e\u0161om veku m\u00f4\u017eete plati\u0165 menej. Mlad\u00fd a zdrav\u00fd \u010dlovek m\u00e1 spravidla v\u00fdhodnej\u0161ie podmienky na uzatvorenie \u017eivotn\u00e9ho poistenia. \u010c\u00edm nesk\u00f4r ho rie\u0161ite, t\u00fdm viac m\u00f4\u017ee cenu ovplyvni\u0165 v\u00e1\u0161 vek \u010di zhor\u0161enie zdravotn\u00e9ho stavu.<\/li>\n\n\n\n<li>Chr\u00e1\u0148te svoj pr\u00edjem. Pre mlad\u00e9ho \u010dloveka je bud\u00faci pr\u00edjem jedn\u00fdm z najv\u00e4\u010d\u0161\u00edch finan\u010dn\u00fdch akt\u00edv. Jeho dlhodob\u00fd v\u00fdpadok m\u00f4\u017ee ma\u0165 na financie v\u00fdrazne v\u00e4\u010d\u0161\u00ed dopad ne\u017e jednorazov\u00fd ne\u010dakan\u00fd v\u00fddavok.<\/li>\n\n\n\n<li>Nezab\u00fadajte v \u017eivotnom poisten\u00ed na pripoistenia invalidity a kritick\u00fdch ochoren\u00ed. Pr\u00e1ve tieto rizik\u00e1 m\u00f4\u017eu v\u00fdrazne ovplyvni\u0165 va\u0161u schopnos\u0165 pracova\u0165 a zabezpe\u010dova\u0165 seba \u010di svoju rodinu.<\/li>\n\n\n\n<li>Zv\u00e1\u017ete aj trval\u00e9 n\u00e1sledky \u00farazu. M\u00f4\u017ee sa v\u00e1m prihodi\u0165 kdeko\u013evek \u2013 doma, na ceste, pri \u0161porte aj pri be\u017en\u00fdch ka\u017edodenn\u00fdch \u010dinnostiach, a jeho n\u00e1sledky m\u00f4\u017eu dlhodobo ovplyvni\u0165 va\u0161u schopnos\u0165 pracova\u0165 a be\u017ene fungova\u0165.&nbsp;<\/li>\n\n\n\n<li>Myslite aj na dlh\u0161iu PN. Pri dlhodobej pracovnej neschopnosti m\u00f4\u017ee vznikn\u00fa\u0165 v\u00fdrazn\u00fd rozdiel medzi va\u0161\u00edm be\u017en\u00fdm pr\u00edjmom a sumou, ktor\u00fa po\u010das PN re\u00e1lne dost\u00e1vate.<\/li>\n\n\n\n<li>S prib\u00fadaj\u00facimi z\u00e1v\u00e4zkami svoje \u017eivotn\u00e9 poistenie priebe\u017ene upravujte. Ke\u010f si zv\u00fd\u0161ite pr\u00edjem, vezmete hypot\u00e9ku, zalo\u017e\u00edte rodinu alebo zmen\u00edte pracovn\u00fa situ\u00e1ciu, skontrolujte s odborn\u00edkom, \u010di pripoistenia a poistn\u00e9 sumy st\u00e1le zodpovedaj\u00fa va\u0161im potreb\u00e1m.<\/li>\n<\/ol>\n\n\n\n<p>Na\u0161i sk\u00fasen\u00ed \u0161pecialisti na \u017eivotn\u00e9 poistenie <a href=\"https:\/\/www.fingo.sk\/kontakty\">z FinGO.sk<\/a> v\u00e1m radi poradia pri v\u00fdbere a nastaven\u00ed \u017eivotn\u00e9ho poistenia. A ak u\u017e nejak\u00e9 m\u00e1te, preveria v\u00e1m, \u010di je nastaven\u00e9 spr\u00e1vne a \u010di st\u00e1le zodpoved\u00e1 va\u0161im potreb\u00e1m.\u00a0<\/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>V\u00e1\u017ena diagn\u00f3za sa nep\u00fdta na vek. M\u00f4\u017ee pr\u00eds\u0165 v tridsiatke aj v \u0161tyridsiatke, bez varovania. K stresu zo zdravotn\u00e9ho stavu sa tak r\u00fdchlo prid\u00e1 v\u00fdpadok pr\u00edjmu, hypot\u00e9ka a rast\u00face \u00fa\u010dty za modern\u00fa lie\u010dbu. Pr\u00e1ve tu sa l\u00e1me chlieb a na mieste je ot\u00e1zka &#8211; m\u00e1te \u017eivotn\u00e9 poistenie, ktor\u00e9 v\u00e1s v takejto chv\u00edli podr\u017e\u00ed?&nbsp; Ke\u010f \u010dloveku ozn\u00e1mia v\u00e1\u017enu diagn\u00f3zu, rie\u0161i predov\u0161etk\u00fdm svoje zdravie. Prem\u00fd\u0161\u013ea nad t\u00fdm, ak\u00e1 lie\u010dba ho \u010dak\u00e1, ak\u00e9 m\u00e1 mo\u017enosti a \u010do bude \u010falej.&nbsp; Modern\u00e1 lie\u010dba na Slovensku nie je samozrejmos\u0165ou&nbsp; Dostupnos\u0165 modernej lie\u010dby je v\u0161ak na Slovensku v\u00fdrazne ni\u017e\u0161ia ne\u017e priemer E\u00da. Pod\u013ea spr\u00e1vy EFPIA Patients W.A.I.T. Indicator 2025 je u n\u00e1s dostupn\u00fdch len 21 % zo 168 inovat\u00edvnych liekov schv\u00e1len\u00fdch v Eur\u00f3pe v rokoch 2021 a\u017e 2024. Priemer E\u00da dosahuje 45 %. Pri modern\u00fdch onkologick\u00fdch liekoch je rozdiel e\u0161te v\u00fdraznej\u0161\u00ed. Na Slovensku je dostupn\u00fdch pribli\u017ene 14 % z nich, zatia\u013e \u010do eur\u00f3psky priemer dosahuje 51 %. V\u00e1\u017ena diagn\u00f3za tak m\u00f4\u017ee prinies\u0165 viacero starost\u00ed naraz. Okrem samotnej lie\u010dby m\u00f4\u017eete rie\u0161i\u0165 zv\u00fd\u0161en\u00e9 v\u00fddavky, dlh\u0161iu pracovn\u00fa pauzu alebo potrebu cestova\u0165 za \u0161pecializovanou starostlivos\u0165ou. Potrebujete pritom ma\u0165 dostatok \u010dasu a priestoru s\u00fastredi\u0165 sa na svoje zdravie a zotavenie bez toho, aby ste museli zo d\u0148a na de\u0148 robi\u0165 z\u00e1sadn\u00e9 finan\u010dn\u00e9 [&hellip;]<\/p>\n","protected":false},"author":61,"featured_media":11445,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[15],"tags":[90,308,89],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Oplat\u00ed sa \u017eivotn\u00e9 poistenie pri v\u00e1\u017enej diagn\u00f3ze?<\/title>\n<meta name=\"description\" content=\"\u017divotn\u00e9 poistenie pri v\u00e1\u017enej diagn\u00f3ze m\u00f4\u017ee pokry\u0165 v\u00fdpadok pr\u00edjmu aj n\u00e1klady na lie\u010dbu. 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