{"id":11544,"date":"2026-11-02T11:43:50","date_gmt":"2026-11-02T10:43:50","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=11544"},"modified":"2026-11-02T11:43:52","modified_gmt":"2026-11-02T10:43:52","slug":"poistenie-seniorov-staci-jeden-pad-a-financne-to-pociti-cela-rodina","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/poistenie-seniorov-staci-jeden-pad-a-financne-to-pociti-cela-rodina\/","title":{"rendered":"Poistenie seniorov: Sta\u010d\u00ed jeden p\u00e1d a finan\u010dne to poc\u00edti cel\u00e1 rodina"},"content":{"rendered":"\n<p><strong>Zakopnutie o koberec, po\u0161myknutie v k\u00fape\u013eni, strata rovnov\u00e1hy pri vst\u00e1van\u00ed z postele\u2026 Takto vyzer\u00e1 v\u00e4\u010d\u0161ina \u00farazov u seniorov a ich lie\u010denie trv\u00e1 dva- a\u017e trikr\u00e1t dlh\u0161ie ne\u017e u mlad\u0161\u00edch \u013eud\u00ed. Od janu\u00e1ra 2027 sa men\u00ed syst\u00e9m \u0161t\u00e1tnej podpory pri odk\u00e1zanosti. \u010co to znamen\u00e1 pre v\u00e1s a va\u0161ich rodi\u010dov?&nbsp;<\/strong><\/p>\n\n\n\n<p>Poistenie seniora nie je len t\u00e9mou pre toho, kto sa pois\u0165uje. Je to aj t\u00e9ma pre jeho deti \u010di vn\u00fa\u010dat\u00e1. Poistenie toti\u017e \u010dasto nerie\u0161i sedemdesiatro\u010dn\u00e1 pani, ale jej dc\u00e9ra. Niekedy syn, ktor\u00fd pr\u00e1ve zis\u0165uje, \u017ee otec po p\u00e1de nebude tri mesiace schopn\u00fd vari\u0165 si a nak\u00fapi\u0165. A ob\u010das aj vnuk, ktor\u00fd vid\u00ed, ako \u0165a\u017eko to doma zvl\u00e1daj\u00fa rodi\u010dia.&nbsp;<\/p>\n\n\n\n<p>Je to rozhovor, ktor\u00fd sa v rodine vedie \u0165a\u017eko. Ove\u013ea \u0165a\u017e\u0161ie sa v\u0161ak vedie vtedy, ke\u010f sa u\u017e \u00faraz stal a o seniora sa nem\u00e1 kto doma postara\u0165.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Seniori sa zrania \u010dastej\u0161ie<\/strong><\/h2>\n\n\n\n<p>Seniori vo veku 60 a\u017e 75 rokov s\u00fa dnes pln\u00ed sily. \u0160portuj\u00fa, cestuj\u00fa, pracuj\u00fa v z\u00e1hrade, chodia na huby. <a href=\"https:\/\/www.fingo.sk\/blog\/sklamala-vas-dochodkova-prognoza-ako-si-zabezpecit-dostojnu-penziu-ak-mate-30-40-ci-50-rokov\/\">D\u00f4chodok<\/a> pre nich neznamen\u00e1 koniec akt\u00edvneho \u017eivota, ale \u010das na veci, na ktor\u00e9 dovtedy nemali priestor.<\/p>\n\n\n\n<p>Pr\u00e1ve oni sa v\u0161ak zrania naj\u010dastej\u0161ie. Vekov\u00e1 skupina nad 65 rokov dlhodobo zaznamen\u00e1va najviac \u00farazov\u00fdch hospitaliz\u00e1ci\u00ed. Ro\u010dne ide o viac ako 26-tis\u00edc pr\u00edpadov. Lie\u010denie trv\u00e1 spravidla dva- a\u017e trikr\u00e1t dlh\u0161ie ne\u017e u mlad\u0161\u00edch.<\/p>\n\n\n\n<p>Nie je to d\u00f4vod presta\u0165 sa h\u00fdba\u0165. Je to d\u00f4vod po\u010d\u00edta\u0165 s t\u00fdm, \u017ee \u00faraz raz pr\u00edde, a myslie\u0165 na to, \u010do sa bude dia\u0165 potom.<\/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 class=\"wp-block-heading\"><strong>Najviac p\u00e1dov sa st\u00e1va doma<\/strong><\/h2>\n\n\n\n<p>Za sedemdesiatimi percentami <a href=\"https:\/\/www.fingo.sk\/urazove-poistenie-online\">\u00farazov<\/a> vo vy\u0161\u0161om veku stoja oby\u010dajn\u00e9 p\u00e1dy. A v\u00e4\u010d\u0161ina z nich sa nestane v zime na z\u013eadovatenom chodn\u00edku, ale doma &#8211; napr\u00edklad pri vst\u00e1van\u00ed z postele, pri na\u0165ahovan\u00ed sa za hrncom v kuchyni, pri po\u0161myknut\u00ed v k\u00fape\u013eni alebo zakopnut\u00ed o koberec.<\/p>\n\n\n\n<ul>\n<li>Pod\u013ea <a href=\"https:\/\/www.who.int\/\">Svetovej zdravotn\u00edckej organiz\u00e1cie<\/a> spadne aspo\u0148 raz ro\u010dne pribli\u017ene 30 % \u013eud\u00ed nad 65 rokov a nad 80 rokov je to u\u017e polovica.\u00a0<\/li>\n\n\n\n<li>N\u00e1sledky sa pritom s vekom zhor\u0161uj\u00fa.&nbsp;<\/li>\n\n\n\n<li>Vo veku 65 a\u017e 74 rokov skon\u010d\u00ed v nemocnici takmer 30 % zranen\u00ed sp\u00f4soben\u00fdch p\u00e1dom, vo veku 75 a\u017e 84 rokov je to u\u017e 40 %.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"343\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/Urazy-seniorov.png\" alt=\"\" class=\"wp-image-11548\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/Urazy-seniorov.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/Urazy-seniorov-300x100.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/Urazy-seniorov-768x257.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Nebezpe\u010denstvo nespo\u010d\u00edva len v samotnom zranen\u00ed, ale v tom, \u010do prich\u00e1dza po \u0148om. Dlhodob\u00e9 znehybnenie na l\u00f4\u017eku m\u00f4\u017ee vies\u0165 k z\u00e1palu p\u013e\u00fac, prele\u017eanin\u00e1m a k strate sebesta\u010dnosti.<\/p>\n\n\n\n<p>Najz\u00e1va\u017enej\u0161ia je zlomenina kr\u010dka stehennej kosti. Kos\u0165 sa hoj\u00ed \u0161es\u0165 a\u017e osem t\u00fd\u017ed\u0148ov, rehabilit\u00e1cia trv\u00e1 tri a\u017e \u0161es\u0165 mesiacov a do p\u00f4vodn\u00e9ho stavu sebesta\u010dnosti sa vr\u00e1ti len pribli\u017ene tretina pacientov.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Poistenie seniora pom\u00f4\u017ee celej rodine<\/strong><\/h2>\n\n\n\n<p>Pri senioroch nefunguje logika, na ktorej stoj\u00ed <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">\u017eivotn\u00e9 poistenie<\/a> pracuj\u00facich. D\u00f4chodca nejde na p\u00e9enku a v\u00fd\u0161ka jeho d\u00f4chodku sa po \u00faraze nezmen\u00ed. Stratu pr\u00edjmu zaznamen\u00e1 niekto in\u00fd.&nbsp;<\/p>\n\n\n\n<p>O zranen\u00e9ho rodi\u010da alebo star\u00e9ho rodi\u010da sa mus\u00ed niekto postara\u0165 &#8211; bu\u010f partner, ktor\u00fd je s\u00e1m v rovnakom veku, alebo die\u0165a \u010di vnuk, ktor\u00ed maj\u00fa v niektor\u00fdch pr\u00edpadoch n\u00e1rok na O\u010cR, alebo si vezm\u00fa neplaten\u00e9 vo\u013eno, prejd\u00fa na skr\u00e1ten\u00fd \u00fav\u00e4zok, pr\u00edpadne z pr\u00e1ce od\u00eddu \u00faplne.&nbsp;<\/p>\n\n\n\n<p>K tomu pribudn\u00fa v\u00fddavky na zdravotn\u00e9 pom\u00f4cky, rehabilit\u00e1cie nad r\u00e1mec verejn\u00e9ho zdravotn\u00edctva \u010di dovoz k lek\u00e1rovi. Finan\u010dn\u00fd dopad teda nepoc\u00edti senior, ale jeho deti.<\/p>\n\n\n\n<p><strong><em>Modern\u00e1 lie\u010dba nestoj\u00ed m\u00e1lo. <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/mate-na-modernu-liecbu-preco-sa-oplati-zivotne-poistenie-pri-vaznej-diagnoze\/\"><strong><em>Pre\u010do by mal ma\u0165 \u017eivotn\u00e9 poistenie ka\u017ed\u00fd?<\/em><\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u010co sa men\u00ed od janu\u00e1ra 2027<\/strong><\/h2>\n\n\n\n<p>Pe\u0148a\u017en\u00fd pr\u00edspevok na opatrovanie zanik\u00e1 a nahr\u00e1dza ho pr\u00edspevok na pomoc pri odk\u00e1zanosti.<\/p>\n\n\n\n<p><strong>Men\u00ed sa, komu peniaze chodia.<\/strong> Dnes ich dost\u00e1va opatrovate\u013e. Od janu\u00e1ra p\u00f4jdu odk\u00e1zanej osobe, ktor\u00e1 sama rozhodne, ako ich pou\u017eije &#8211; \u010di si zaplat\u00ed starostlivos\u0165 od rodiny, dom\u00e1cu opatrovate\u013esk\u00fa slu\u017ebu alebo ambulantn\u00e9 soci\u00e1lne slu\u017eby. Bl\u00edzka osoba, ktor\u00e1 sa star\u00e1, pritom u\u017e nemus\u00ed \u017ei\u0165 v spolo\u010dnej dom\u00e1cnosti.<\/p>\n\n\n\n<p><strong>Men\u00ed sa v\u00fd\u0161ka aj sp\u00f4sob, ak\u00fdm sa pr\u00edspevok po\u010d\u00edta. <\/strong>Dnes je pr\u00edspevok jednotn\u00fd, od 1. j\u00fala 2026 ide o 729 eur mesa\u010dne pri opatrovan\u00ed jednej osoby. Od janu\u00e1ra bude z\u00e1visie\u0165 od stup\u0148a odk\u00e1zanosti, r\u00e1dovo od vy\u0161e 200 eur pri prvom stupni po pribli\u017ene tis\u00edc eur pri piatom stupni odk\u00e1zanosti. Ak starostlivos\u0165 zabezpe\u010duje rodina doma, suma je ni\u017e\u0161ia ne\u017e pri platen\u00fdch soci\u00e1lnych slu\u017eb\u00e1ch.&nbsp;<\/p>\n\n\n\n<p><strong>Roz\u0161iruje sa okruh \u013eud\u00ed, ktor\u00ed na\u0148 dosiahnu.<\/strong> Dnes m\u00e1 na pr\u00edspevok n\u00e1rok spravidla len ten, kto je zaraden\u00fd do \u0161tvrt\u00e9ho alebo piateho stup\u0148a odk\u00e1zanosti. Od janu\u00e1ra ho dostan\u00fa \u013eudia vo v\u0161etk\u00fdch piatich stup\u0148och &#8211; pri prvom a\u017e tre\u0165om v\u0161ak len na platen\u00e9 soci\u00e1lne slu\u017eby. Na starostlivos\u0165 od rodiny doma vznikne n\u00e1rok a\u017e od \u0161tvrt\u00e9ho stup\u0148a.&nbsp;<\/p>\n\n\n\n<p><strong>Ru\u0161\u00ed sa sledovanie pr\u00edjmu opatrovate\u013ea.<\/strong> Ten, kto sa o seniora star\u00e1, bude m\u00f4c\u0165 popri tom pracova\u0165 bez oh\u013eadu na to, ko\u013eko zarob\u00ed. Pri jednej odk\u00e1zanej osobe sa navy\u0161e bud\u00fa m\u00f4c\u0165 vystrieda\u0165 a\u017e traja opatrovatelia.<\/p>\n\n\n\n<p><strong>Kto pr\u00edspevok pober\u00e1 dnes, nemus\u00ed ni\u010d \u017eiada\u0165.<\/strong> \u00darad pr\u00e1ce, soci\u00e1lnych vec\u00ed a rodiny za\u010dne konanie automaticky a rozhodne do konca marca 2027. Do rozhodnutia sa pr\u00edspevok vypl\u00e1ca \u010falej.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"708\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/10-zakladnych-zivotnych-potrieb.png\" alt=\"\" class=\"wp-image-11547\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/10-zakladnych-zivotnych-potrieb.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/10-zakladnych-zivotnych-potrieb-300x207.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/10-zakladnych-zivotnych-potrieb-768x531.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ak\u00e9 s\u00fa mo\u017enosti poistenia po \u0161es\u0165desiatke<\/strong><\/h2>\n\n\n\n<p>Mo\u017enosti \u017eivotn\u00e9ho poistenia pre vek 60 a\u017e 75 rokov b\u00fdvaj\u00fa obmedzen\u00e9. Niektor\u00e9 pois\u0165ovne kryj\u00fa choroby len do 65 rokov, pri \u00farazoch s\u00fa v\u00fdstupn\u00e9 veky vy\u0161\u0161ie.<\/p>\n\n\n\n<p>Hlavnou prek\u00e1\u017ekou v\u0161ak nie je vek, ale samotn\u00fd vstup do poistenia. \u0160tandardne mus\u00ed klient vyp\u00edsa\u0165 \u00fadaje o svojom zdravotnom stave a s prib\u00fadaj\u00facim vekom aj diagn\u00f3zami rastie riziko, \u017ee ho pois\u0165ov\u0148a odmietne.<\/p>\n\n\n\n<p>Preto na trhu pribudli produkty \u0161it\u00e9 priamo na seniorov. Vstupuj\u00fa do nich bez vypisovania <a href=\"https:\/\/www.fingo.sk\/blog\/aj-jedna-zabudnuta-diagnoza-moze-skomplikovat-vyplatenie-zivotnej-poistky\/\">zdravotn\u00e9ho dotazn\u00edka<\/a>, sta\u010d\u00ed odpoveda\u0165 na p\u00e1r ot\u00e1zok, ktor\u00e9 rozhodn\u00fa o tom, \u010di ich do poistenia prijm\u00fa. Kryj\u00fa najm\u00e4 \u00faraz, hospitaliz\u00e1ciu, stratu sebesta\u010dnosti, ale aj smr\u0165 a pohrebn\u00e9 n\u00e1klady, pri\u010dom poistn\u00e1 doba b\u00fdva nastaven\u00e1 do 85 \u010di 90 rokov alebo do\u017eivotne.<\/p>\n\n\n\n<ul>\n<li>Pri be\u017ene nastavenom bal\u00edku pre seniora sa mesa\u010dn\u00e9 poistn\u00e9 pohybuje okolo 30 a\u017e 40 eur.&nbsp;<\/li>\n\n\n\n<li>V\u017edy v\u0161ak z\u00e1vis\u00ed od veku klienta, poistn\u00fdch s\u00fam a od toho, \u010do v\u0161etko si do zmluvy zahrnie.&nbsp;<\/li>\n\n\n\n<li>Poistn\u00e9 sumy sa pri t\u00fdchto produktoch pohybuj\u00fa okolo 10 000 a\u017e 15 000 eur.<\/li>\n\n\n\n<li>Pri v\u00e1\u017enej\u0161om \u00faraze s trval\u00fdmi n\u00e1sledkami tak plnenie dosiahne nieko\u013eko tis\u00edc eur, pri \u013eah\u0161om \u00faraze m\u00f4\u017ee \u00eds\u0165 o stovky eur.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Na \u010do sa pri v\u00fdbere poistenia seniorov pozera\u0165<\/strong><\/h2>\n\n\n\n<p>Cena poistenia je len jedn\u00fdm z parametrov. Rozdiel medzi dvoma podobne drah\u00fdmi zmluvami sa \u010dasto uk\u00e1\u017ee a\u017e v tom, \u010do pois\u0165ov\u0148a zabezpe\u010d\u00ed po n\u00e1vrate seniora z nemocnice.<\/p>\n\n\n\n<p>Napr\u00edklad pr\u00edspevok na rehabilit\u00e1ciu nad r\u00e1mec verejn\u00e9ho zdravotn\u00edctva, pren\u00e1jom pom\u00f4cok, lek\u00e1ra na telef\u00f3ne, dokonca aj druh\u00fd lek\u00e1rsky n\u00e1zor na postup pri lie\u010den\u00ed choroby a \u00farazu.&nbsp;<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Rovnako d\u00f4le\u017eit\u00e9 s\u00fa asisten\u010dn\u00e9 slu\u017eby. M\u00f4\u017eu v\u00e1m zabezpe\u010di\u0165 n\u00e1kupy, ven\u010denie psa, z\u00e1hradn\u00e9 pr\u00e1ce, upratovanie \u010di odvoz k lek\u00e1rovi.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"398\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/Asistencne-sluzby-poistenie-seniorov.png\" alt=\"\" class=\"wp-image-11546\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/Asistencne-sluzby-poistenie-seniorov.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/Asistencne-sluzby-poistenie-seniorov-300x117.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2026\/10\/Asistencne-sluzby-poistenie-seniorov-768x299.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0160es\u0165 vec\u00ed, ktor\u00e9 spravte sk\u00f4r, ne\u017e pr\u00edde \u00faraz<\/strong><\/h2>\n\n\n\n<ol>\n<li><strong>Naj\u00fa\u010dinnej\u0161ia prevencia ni\u010d nestoj\u00ed. <\/strong>Prejdite si s rodi\u010dmi ich byt alebo dom a n\u00e1jdite miesta, kde hroz\u00ed <a href=\"https:\/\/www.fingo.sk\/urazove-poistenie-online\">\u00faraz<\/a>. Vo\u013ene polo\u017een\u00e9 koberce, ch\u00fdbaj\u00face madlo v k\u00fape\u013eni, slab\u00e9 svetlo na chodbe a vysoko ulo\u017een\u00fd riad patria k naj\u010dastej\u0161\u00edm pr\u00ed\u010din\u00e1m p\u00e1dov v dom\u00e1cnosti.<\/li>\n\n\n\n<li><strong>S poisten\u00edm ne\u010dakajte na prv\u00fd \u00faraz.<\/strong> Vstupn\u00fd vek b\u00fdva pri seniorsk\u00fdch produktoch ohrani\u010den\u00fd, obvykle od 55 do 70 a\u017e 75 rokov. Po v\u00e1\u017enom \u00faraze alebo novej diagn\u00f3ze sa mo\u017enosti v\u00fdrazne z\u00fa\u017eia.<\/li>\n\n\n\n<li><strong>P\u00fdtajte sa na vstup bez zdravotn\u00e9ho dotazn\u00edka.<\/strong> Pri be\u017enom poisten\u00ed m\u00f4\u017ee zhor\u0161en\u00fd zdravotn\u00fd stav znamena\u0165 odmietnutie, prir\u00e1\u017eku na cene alebo v\u00fdluku.<\/li>\n\n\n\n<li><strong>Nepozerajte sa len na v\u00fd\u0161ku poistnej sumy.<\/strong> Porovnajte si aj asisten\u010dn\u00e9 slu\u017eby, pr\u00edspevky na pom\u00f4cky a rehabilit\u00e1cie \u010di to, do ak\u00e9ho veku poistenie plat\u00ed.<\/li>\n\n\n\n<li><strong>Zistite, v akom stupni odk\u00e1zanosti je v\u00e1\u0161 rodi\u010d.<\/strong> O pos\u00fadenie sa \u017eiada na \u00farade pr\u00e1ce, soci\u00e1lnych vec\u00ed a rodiny pod\u013ea trval\u00e9ho pobytu. Soci\u00e1lny pracovn\u00edk nav\u0161t\u00edvi \u017eiadate\u013ea doma a posudkov\u00fd lek\u00e1r zhodnot\u00ed jeho zdravotn\u00e9 obmedzenia. Pr\u00e1ve od stup\u0148a odk\u00e1zanosti z\u00e1vis\u00ed, na ak\u00fa podporu od \u0161t\u00e1tu m\u00e1 senior n\u00e1rok, preto sa oplat\u00ed vybavi\u0165 to sk\u00f4r, ne\u017e na to nebude \u010das.&nbsp;<\/li>\n\n\n\n<li><strong>Ak u\u017e pober\u00e1te pr\u00edspevok na opatrovanie<\/strong>, nemus\u00edte ni\u010d \u017eiada\u0165. \u00darad pr\u00e1ce, soci\u00e1lnych vec\u00ed a rodiny za\u010dne konanie automaticky a rozhodne do konca marca 2027. Do rozhodnutia sa pr\u00edspevok vypl\u00e1ca \u010falej.<\/li>\n<\/ol>\n\n\n\n<p><strong>TIP: <\/strong><a href=\"https:\/\/www.fingo.sk\/kontakty\">Makl\u00e9ri FinGO.sk<\/a> v\u00e1m pom\u00f4\u017eu vybra\u0165 poistenie, ktor\u00e9 sed\u00ed veku aj zdravotn\u00e9mu stavu va\u0161ich rodi\u010dov. Aby ste vo chv\u00ed\u013each, ktor\u00e9 m\u00f4\u017eu pr\u00eds\u0165 kedyko\u013evek, rie\u0161ili v prvom rade starostlivos\u0165 a nie peniaze.<\/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>Zakopnutie o koberec, po\u0161myknutie v k\u00fape\u013eni, strata rovnov\u00e1hy pri vst\u00e1van\u00ed z postele\u2026 Takto vyzer\u00e1 v\u00e4\u010d\u0161ina \u00farazov u seniorov a ich lie\u010denie trv\u00e1 dva- a\u017e trikr\u00e1t dlh\u0161ie ne\u017e u mlad\u0161\u00edch \u013eud\u00ed. Od janu\u00e1ra 2027 sa men\u00ed syst\u00e9m \u0161t\u00e1tnej podpory pri odk\u00e1zanosti. \u010co to znamen\u00e1 pre v\u00e1s a va\u0161ich rodi\u010dov?&nbsp; Poistenie seniora nie je len t\u00e9mou pre toho, kto sa pois\u0165uje. Je to aj t\u00e9ma pre jeho deti \u010di vn\u00fa\u010dat\u00e1. Poistenie toti\u017e \u010dasto nerie\u0161i sedemdesiatro\u010dn\u00e1 pani, ale jej dc\u00e9ra. Niekedy syn, ktor\u00fd pr\u00e1ve zis\u0165uje, \u017ee otec po p\u00e1de nebude tri mesiace schopn\u00fd vari\u0165 si a nak\u00fapi\u0165. A ob\u010das aj vnuk, ktor\u00fd vid\u00ed, ako \u0165a\u017eko to doma zvl\u00e1daj\u00fa rodi\u010dia.&nbsp; Je to rozhovor, ktor\u00fd sa v rodine vedie \u0165a\u017eko. Ove\u013ea \u0165a\u017e\u0161ie sa v\u0161ak vedie vtedy, ke\u010f sa u\u017e \u00faraz stal a o seniora sa nem\u00e1 kto doma postara\u0165. Seniori sa zrania \u010dastej\u0161ie Seniori vo veku 60 a\u017e 75 rokov s\u00fa dnes pln\u00ed sily. \u0160portuj\u00fa, cestuj\u00fa, pracuj\u00fa v z\u00e1hrade, chodia na huby. D\u00f4chodok pre nich neznamen\u00e1 koniec akt\u00edvneho \u017eivota, ale \u010das na veci, na ktor\u00e9 dovtedy nemali priestor. Pr\u00e1ve oni sa v\u0161ak zrania naj\u010dastej\u0161ie. Vekov\u00e1 skupina nad 65 rokov dlhodobo zaznamen\u00e1va najviac \u00farazov\u00fdch hospitaliz\u00e1ci\u00ed. Ro\u010dne ide o viac ako 26-tis\u00edc pr\u00edpadov. Lie\u010denie trv\u00e1 spravidla dva- [&hellip;]<\/p>\n","protected":false},"author":59,"featured_media":11550,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[15],"tags":[310,89,95],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poistenie seniorov: Jeden \u00faraz a finan\u010dne to poc\u00edti cel\u00e1 rodina<\/title>\n<meta name=\"description\" content=\"Dom\u00e1ce p\u00e1dy s\u00fa naj\u010dastej\u0161ou pr\u00ed\u010dinou \u00farazov seniorov. Ako chr\u00e1ni\u0165 poisten\u00edm seniorov a \u010do sa od janu\u00e1ra 2027 men\u00ed v pr\u00edspevku pri odk\u00e1zanosti?\" \/>\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\/poistenie-seniorov-staci-jeden-pad-a-financne-to-pociti-cela-rodina\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poistenie seniorov: Jeden \u00faraz a finan\u010dne to poc\u00edti cel\u00e1 rodina\" \/>\n<meta property=\"og:description\" content=\"Dom\u00e1ce p\u00e1dy s\u00fa naj\u010dastej\u0161ou pr\u00ed\u010dinou \u00farazov seniorov. 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