{"id":7641,"date":"2023-07-13T12:47:49","date_gmt":"2023-07-13T10:47:49","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=7641"},"modified":"2023-07-13T12:47:51","modified_gmt":"2023-07-13T10:47:51","slug":"uraz-vam-moze-pokazit-leto-ale-aj-obratit-zivot-naruby-viete-ako-sa-spravne-poistit","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/uraz-vam-moze-pokazit-leto-ale-aj-obratit-zivot-naruby-viete-ako-sa-spravne-poistit\/","title":{"rendered":"\u00daraz v\u00e1m m\u00f4\u017ee pokazi\u0165 leto, ale aj obr\u00e1ti\u0165 \u017eivot naruby. Viete, ako sa spr\u00e1vne poisti\u0165?"},"content":{"rendered":"\n<p><strong>Podvrtnutia, zlomeniny, natrhnut\u00e9 svaly, ale aj zranenia chrbtice \u010di hlavy. Leto sa u det\u00ed aj u dospel\u00fdch ka\u017ed\u00fd rok sp\u00e1ja s vy\u0161\u0161\u00edm v\u00fdskytom \u00farazov. Tie nekon\u010dia \u201elen\u201d pokazen\u00fdmi pr\u00e1zdninami \u010di dovolenkou, v hor\u0161om pr\u00edpade \u017eia\u013e ved\u00fa aj k v\u00e1\u017enym oper\u00e1ci\u00e1m, trval\u00fdm n\u00e1sledkom \u010di k invalidite. Zdravotn\u00e9, ale aj finan\u010dn\u00e9 d\u00f4sledky t\u00fdchto udalost\u00ed v\u00e1s dok\u00e1\u017eu ovplyvni\u0165 na cel\u00fd \u017eivot. Ako v\u00e1m m\u00f4\u017ee pri \u00farazoch pom\u00f4c\u0165 \u017eivotn\u00e9 poistenie? A\u00a0ako postupova\u0165 pri poistn\u00fdch udalostiach?<\/strong><\/p>\n<p><strong>V\u00a0\u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n<ul>\n<li>Ako s\u00favis\u00ed nebezpe\u010denstvo \u00farazu so \u017eivotn\u00fdm poisten\u00edm?<\/li>\n<li>Ak\u00e9 r\u00f4zne pripoistenia kryj\u00fa n\u00e1sledky po \u00farazoch?<\/li>\n<li>Ako nahl\u00e1si\u0165 pois\u0165ovni \u00faraz a\u00a0\u010do budete k\u00a0tomu potrebova\u0165?<\/li>\n<li>Koho m\u00f4\u017ee pois\u0165ov\u0148a odmietnu\u0165 poisti\u0165?<\/li>\n<\/ul>\n<p>Sta\u010d\u00ed sekunda nepozornosti a \u00faraz je na svete. Net\u00fdka sa to len det\u00ed, ale aj dospel\u00fdch. Pr\u00e1ve v letnom obdob\u00ed plnom \u0161portov\u00fdch a\u00a0vo\u013eno\u010dasov\u00fdch aktiv\u00edt, doch\u00e1dza k\u00a0\u00farazom naj\u010dastej\u0161ie.<\/p>\n<p>Bohu\u017eia\u013e, niektor\u00e9 z nich v\u00e1s nemusia \u201eprebolie\u0165\u201d za p\u00e1r dn\u00ed a dokonca ani za nieko\u013eko t\u00fd\u017ed\u0148ov. Pri ich lie\u010dbe a pr\u00edpadn\u00fdch n\u00e1sledkoch v\u00e1m finan\u010dn\u00fa injekciu poskytne \u017eivotn\u00e9 poistenie. Ak ho m\u00e1te nastaven\u00e9 spr\u00e1vne, budete m\u00f4c\u0165 po \u00faraze fungova\u0165 bez ob\u00e1v o finan\u010dn\u00fa situ\u00e1ciu seba alebo svojej rodiny. Naplno sa m\u00f4\u017eete s\u00fastredi\u0165 na lie\u010dbu, rehabilit\u00e1ciu a v\u0161etky \u00fakony s t\u00fdm spojen\u00e9.<\/p>\n<h3><span style=\"color: #ec8124;\">Pokles \u010di v\u00fdpadok pr\u00edjmu pokryje \u017eivotn\u00e9 poistenie<\/span><\/h3>\n<p>V\u00a0r\u00e1mci \u017eivotn\u00e9ho poistenia si m\u00f4\u017eete zvoli\u0165 r\u00f4zne krytia, ktor\u00e9 v\u00e1s bud\u00fa chr\u00e1ni\u0165 v\u00a0pr\u00edpade \u00farazu. Z men\u0161\u00edch pripoisten\u00ed s\u00fa to denn\u00e9 od\u0161kodn\u00e9 za lie\u010dbu \u00farazu, hospitaliz\u00e1cia, chirurgick\u00fd z\u00e1krok a z v\u00e4\u010d\u0161\u00edch s\u00fa to hlavne trval\u00e9 n\u00e1sledky \u00farazu. Ak m\u00e1te poisten\u00e9 v\u0161etky tieto zlo\u017eky, m\u00f4\u017eete z\u00edska\u0165 poistn\u00e9 plnenie zo v\u0161etk\u00fdch pripoisten\u00ed naraz. Nesmieme v\u0161ak zab\u00fada\u0165 ani na invaliditu, ktor\u00e1 m\u00f4\u017ee vznikn\u00fa\u0165 z fyzick\u00fdch aj psychick\u00fdch diagn\u00f3z. V drvivej v\u00e4\u010d\u0161ine pr\u00edpadov invaliditu sp\u00f4sobuj\u00fa <a href=\"https:\/\/www.fingo.sk\/blog\/rakovina-a-ine-kriticke-ochorenia-su-financne-narocne-ako-sa-chranit\/\">v\u00e1\u017ene ochorenia<\/a> ako s\u00fa n\u00e1dory, choroby svalovej a obehovej s\u00fastavy \u010di du\u0161evn\u00e9 ochorenia. \u010clovek v\u0161ak m\u00f4\u017ee zosta\u0165 invalidn\u00fd aj po \u00faraze.<\/p>\n<p>Viac tipov, ako sa spr\u00e1vne poisti\u0165 n\u00e1jdete v blogu <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vybrat-zivotne-poistenie-a-co-ma-obsahovat\/\">Ako si vybra\u0165 \u017eivotn\u00e9 poistenie v roku 2023 a \u010do m\u00e1 obsahova\u0165.<\/a><\/p>\n<p>V z\u00e1vere roka 2022 poberalo invalidn\u00fd d\u00f4chodok takmer 224-tis\u00edc Slov\u00e1kov. Z nich takmer dve tretiny boli osoby s mierou postihnutia do 70 % a ich priemern\u00fd d\u00f4chodok predstavoval 231 eur. U invalidov s mierou postihnutia nad 70 % je priemern\u00e1 penzia vo v\u00fd\u0161ke 470 eur. Pri poh\u013eade na tieto \u0161tatistiky je jasn\u00e9, \u017ee by ste \u017eivotn\u00e9 poistenie nemali podce\u0148ova\u0165. Ak u\u017e \u017eivotn\u00e9 poistenie m\u00e1te, nezabudnite ho pravidelne kontrolova\u0165 a v pr\u00edpade potreby aktualizova\u0165. Medzi pois\u0165ov\u0148ami s\u00fa rozdiely, ka\u017ed\u00e1 m\u00f4\u017ee kry\u0165 r\u00f4zny rozsah kritick\u00fdch ochoren\u00ed aj \u00farazov.\u00a0<\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=zivot_gif\"><img decoding=\"async\" class=\"alignnone wp-image-3614 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/zivotne-poistenie_blog.gif\" alt=\"Fingo.sk \u017eivotn\u00e9 poistenie kalkula\u010dka\" width=\"1024\" height=\"768\" \/><\/a><\/p>\n<h3><span style=\"color: #ec8124;\">Ako v\u00e1m m\u00f4\u017eu po \u00faraze pom\u00f4c\u0165 r\u00f4zne pripoistenia?<\/span><\/h3>\n<p>Ve\u013ea Slov\u00e1kov \u017eivotn\u00e9mu poisteniu nerozumie a nevedia, v ak\u00fdch situ\u00e1ci\u00e1ch im dok\u00e1\u017ee pom\u00f4c\u0165. Ni\u017e\u0161ie si vysvetl\u00edme, ak\u00e9 pripoistenia viete vyu\u017ei\u0165 pr\u00e1ve pri \u00farazoch a v konkr\u00e9tnych pr\u00edkladoch op\u00ed\u0161eme, ko\u013eko pe\u0148az\u00ed pri nich pois\u0165ovne m\u00f4\u017eu vyplati\u0165. Je d\u00f4le\u017eit\u00e9 zd\u00f4razni\u0165, \u017ee pri \u017eivotnom poisten\u00ed neexistuje univerz\u00e1lny produkt pre ka\u017ed\u00e9ho, pr\u00e1ve naopak, treba si ho nastavi\u0165 individu\u00e1lne pod\u013ea va\u0161ich potrieb, finan\u010dnej aj rodinnej situ\u00e1cie. O tom, \u010domu sa vyhn\u00fa\u0165 pri uzatv\u00e1ran\u00ed \u017eivotn\u00e9ho poistenia, sa do\u010d\u00edtate v blogu <a href=\"https:\/\/www.fingo.sk\/blog\/7-castych-chyb-pri-zivotnom-poisteni-ktore-vas-mozu-stat-vela\/\">7 \u010dast\u00fdch ch\u00fdb pri \u017eivotnom poisten\u00ed, ktor\u00e9 v\u00e1s m\u00f4\u017eu st\u00e1\u0165 ve\u013ea<\/a>.\u00a0<\/p>\n<p>Najlep\u0161ie urob\u00edte, ak oslov\u00edte \u0161pecialistu na \u017eivotn\u00e9 poistenie, ktor\u00fd v\u00e1m pom\u00f4\u017ee pri vo\u013ebe vhodn\u00fdch pripoisten\u00ed, nastaven\u00ed poistn\u00fdch s\u00fam a odporu\u010d\u00ed pois\u0165ov\u0148u, ktor\u00e1 pre v\u00e1s m\u00f4\u017ee by\u0165 najvhodnej\u0161ia.<\/p>\n<p><strong>TRVAL\u00c9 N\u00c1SLEDKY \u00daRAZU<\/strong><\/p>\n<p>Pripoistenie trval\u00e9 n\u00e1sledky \u00farazu sa vz\u0165ahuje na udalosti, pri ktor\u00fdch d\u00f4jde n\u00e1sledkom \u00farazu k trval\u00e9mu telesn\u00e9mu po\u0161kodeniu. M\u00f4\u017ee \u00eds\u0165 napr\u00edklad o ochrnutie, zn\u00ed\u017een\u00fa hybnos\u0165 pohybov\u00e9ho apar\u00e1tu, stratu kon\u010dat\u00edn \u010di prstov, ale aj \u010diasto\u010dn\u00fa alebo \u00fapln\u00fa slepotu, hluchotu a podobne. Poistn\u00e9 plnenie pois\u0165ov\u0148a vyplat\u00ed jednorazovo a jeho v\u00fd\u0161ka z\u00e1vis\u00ed od rozsahu trval\u00e9ho po\u0161kodenia. Ak je v zmluve dojednan\u00e9 poistn\u00e9 plnenie s tzv. progresiou, znamen\u00e1 to, \u017ee pois\u0165ov\u0148a vyplat\u00ed n\u00e1sobok pod\u013ea dohodnutej sumy. Napr\u00edklad pri poistnej sume 40 000 eur a 500 % progresii v pr\u00edpade rozsiahleho telesn\u00e9ho po\u0161kodenia ako je napr\u00edklad strata zraku, klientovi vyplat\u00ed 5-n\u00e1sobok zo 40 000 eur, \u010di\u017ee 200 000 eur.<\/p>\n<p><strong>Pr\u00edklad:<\/strong> Pri p\u00e1de z m\u00farika si poran\u00edte lake\u0165 a d\u00f4jde k strate hybnosti ruky. Pripoistenie trval\u00fdch n\u00e1sledkov \u00farazu m\u00e1te uzavret\u00e9 na sumu 40 000 eur, s progres\u00edvnym plnen\u00edm. Ak bude v lek\u00e1rskej spr\u00e1ve exaktne nap\u00edsan\u00e9, \u017ee do\u0161lo k zn\u00ed\u017eenej hybnosti k\u013abu, pois\u0165ov\u0148a v\u00e1m vyplat\u00ed percentu\u00e1lne plnenie z poistnej sumy 40 000 eur + n\u00e1sobok progresie. Napr\u00edklad pri trvalom n\u00e1sledku 12 % telesn\u00e9ho po\u0161kodenia m\u00f4\u017eete v\u010faka progresii \u00a0z\u00edska\u0165 od\u0161kodnenie nielen 12 %, ale 18 % z poistnej sumy. V tomto pr\u00edpade v\u00e1m\u00a0 pois\u0165ov\u0148a za trval\u00fd n\u00e1sledok straty hybnosti ruky vyplat\u00ed 7 200 eur.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-7657\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/trvale-nasledky-urazu.png\" alt=\"\" width=\"2501\" height=\"2084\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/trvale-nasledky-urazu.png 2501w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/trvale-nasledky-urazu-300x250.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/trvale-nasledky-urazu-1024x853.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/trvale-nasledky-urazu-768x640.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/trvale-nasledky-urazu-1536x1280.png 1536w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/trvale-nasledky-urazu-2048x1707.png 2048w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/trvale-nasledky-urazu-1080x900.png 1080w\" sizes=\"(max-width: 2501px) 100vw, 2501px\" \/><\/p>\n<p><span style=\"background-color: #ffffff; color: #ec8124;\"><strong>TIP:<\/strong> <\/span>V\u00e4\u010d\u0161ina poistn\u00fdch udalost\u00ed z trval\u00fdch n\u00e1sledkov \u00farazu s\u00fa s po\u0161koden\u00edm do 20 %, preto je d\u00f4le\u017eit\u00e9 ma\u0165 vhodne nastaven\u00e9 progres\u00edvne plnenie. Niektor\u00e9 pois\u0165ovne \u201ezap\u00ednaj\u00fa\u201d progresiu (a teda vypl\u00e1caj\u00fa vy\u0161\u0161ie poistn\u00e9) u\u017e od 5 % telesn\u00e9ho po\u0161kodenia, in\u00e9 a\u017e od 20 %.<\/p>\n<p><strong>INVALIDITA<\/strong><\/p>\n<p>Invalidita m\u00f4\u017ee vznikn\u00fa\u0165 z fyzick\u00fdch aj psychick\u00fdch diagn\u00f3z. Viete si zvoli\u0165 poistn\u00e9 krytie na \u010diasto\u010dn\u00fa invaliditu nad 40 % alebo pln\u00fa nad 70 %. Invaliditu uzn\u00e1va Soci\u00e1lna pois\u0165ov\u0148a alebo posudkov\u00ed lek\u00e1ri. Poistencovi na z\u00e1klade jeho zhor\u0161en\u00e9ho zdravotn\u00e9ho stavu ur\u010dia percento, ktor\u00e9 vyjadruje pokles schopnosti pracova\u0165 v porovnan\u00ed so zdrav\u00fdm \u010dlovekom. Od uznan\u00e9ho percenta invalidity sa potom odv\u00edja v\u00fd\u0161ka invalidn\u00e9ho d\u00f4chodku a ak m\u00e1te uzavret\u00e9 \u017eivotn\u00e9 poistenie, tak aj v\u00fd\u0161ka poistn\u00e9ho plnenia vo va\u0161ej pois\u0165ovni.<\/p>\n<p><strong>Pr\u00edklad:<\/strong> Ak by ste mali uzatvoren\u00e9 pripoistenie invalidity nad 40 % s poistnou sumou 40 000 eur a stane sa v\u00e1m \u00faraz alebo diagn\u00f3za, ktor\u00fa uzn\u00e1 Soci\u00e1lna pois\u0165ov\u0148a alebo posudkov\u00fd lek\u00e1r (v z\u00e1vislosti od pois\u0165ovne) nad 40 %, pois\u0165ov\u0148a v\u00e1m vyplat\u00ed cel\u00fa dojednan\u00fa poistn\u00fa sumu vo v\u00fd\u0161ke 40 000 eur. Poistn\u00e9 plnenie m\u00f4\u017ee by\u0165 vyplaten\u00e9 jednorazovo alebo ako mesa\u010dn\u00e1 renta. Odpor\u00fa\u010dame v\u0161ak zvoli\u0165 si jednorazov\u00e9 vyplatenie invalidity.<\/p>\n<p><strong>DENN\u00c9 OD\u0160KODN\u00c9 ZA LIE\u010cBU \u00daRAZU<\/strong><\/p>\n<p>Pri tomto pripoisten\u00ed si zvol\u00edte denn\u00fa d\u00e1vku, ktor\u00fa od pois\u0165ovne budete dost\u00e1va\u0165 po\u010das doby lie\u010denia \u00farazu. T\u00e1to denn\u00e1 d\u00e1vka sa v z\u00e1vislosti od pois\u0165ovne m\u00f4\u017ee pohybova\u0165 od 5 eur a\u017e do 70 eur, zv\u00e4\u010d\u0161a si \u013eudia volia d\u00e1vku 10 a\u017e 20 eur.\u00a0 Pripoistenie sa be\u017ene vyu\u017e\u00edva\u00a0 v pr\u00edpadoch lie\u010dby zlomenej ruky, vyk\u013abenej k\u013e\u00fa\u010dnej kosti alebo vyvrtnut\u00e9ho \u010dlenku.<\/p>\n<p><strong>Pr\u00edklad:<\/strong> Ak budete ma\u0165 uzatvoren\u00e9 pripoistenie denn\u00e9 od\u0161kodn\u00e9 za lie\u010dbu \u00farazu na sumu 15 eur, tak v\u00a0pr\u00edpade, \u017ee by ste si zlomili \u010dlenok a lie\u010dba potrv\u00e1 60 dn\u00ed, pois\u0165ov\u0148a v\u00e1m vyplat\u00ed sumu 900 eur (60 dn\u00ed x 15 eur).<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-7660\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/denne-odskodnenie-za-liecbu-urazu.png\" alt=\"\" width=\"2501\" height=\"2084\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/denne-odskodnenie-za-liecbu-urazu.png 2501w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/denne-odskodnenie-za-liecbu-urazu-300x250.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/denne-odskodnenie-za-liecbu-urazu-1024x853.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/denne-odskodnenie-za-liecbu-urazu-768x640.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/denne-odskodnenie-za-liecbu-urazu-1536x1280.png 1536w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/denne-odskodnenie-za-liecbu-urazu-2048x1707.png 2048w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/07\/denne-odskodnenie-za-liecbu-urazu-1080x900.png 1080w\" sizes=\"(max-width: 2501px) 100vw, 2501px\" \/><\/p>\n<p><strong>HOSPITALIZ\u00c1CIA<\/strong><\/p>\n<p>Pri tomto pripoisten\u00ed je ur\u010den\u00e1 poistn\u00e1 suma na de\u0148, ktor\u00fa dostanete pri pobyte v nemocnici. Podmienkou vyplatenia je, \u017ee mus\u00edte osta\u0165 v nemocnici cez polnoc, resp. najmenej 24 hod\u00edn &#8211; ka\u017ed\u00e1 pois\u0165ov\u0148a m\u00e1 t\u00fato podmienku stanoven\u00fa inak. Hospitaliz\u00e1cia sa m\u00f4\u017ee vz\u0165ahova\u0165 na \u00farazy v\u0161etk\u00e9ho druhu, ktor\u00e9 si vy\u017eaduj\u00fa pobyt v nemocnici.<\/p>\n<p><strong>CHIRURGICK\u00dd Z\u00c1KROK<\/strong><\/p>\n<p>Vz\u0165ahuje sa na chirurgick\u00e9 z\u00e1kroky, ktor\u00e9 m\u00f4\u017eu by\u0165 potrebn\u00e9 po \u00faraze. M\u00f4\u017ee \u00eds\u0165 napr\u00edklad o otvoren\u00e9 rany na tv\u00e1ri a na tele, natrhnut\u00e9 alebo roztrhnut\u00e9 \u010dasti ko\u017ee, podko\u017eia a podobne. Pozor, z tohto pripoistenia s\u00fa vyl\u00fa\u010den\u00e9 estetick\u00e9 z\u00e1kroky, ktor\u00e9 sa nepova\u017euj\u00fa za po\u00farazov\u00e9 stavy.<\/p>\n<h3><span style=\"color: #ec8124;\">Ako pois\u0165ovni nahl\u00e1si\u0165 \u00faraz a ak\u00e9 lek\u00e1rske spr\u00e1vy m\u00f4\u017eete potrebova\u0165?<\/span><\/h3>\n<ul>\n<li>Ak sa v\u00e1m prihod\u00ed ne\u010dakan\u00fd \u00faraz a m\u00e1te uzavret\u00e9 \u017eivotn\u00e9 poistenie, ozn\u00e1mte to va\u0161ej pois\u0165ovni \u010do najsk\u00f4r. M\u00f4\u017eete tak urobi\u0165 online, \u010di u\u017e elektronicky cez internetov\u00fa str\u00e1nku pois\u0165ovne, kde n\u00e1jdete kontaktn\u00fd formul\u00e1r alebo aj telefonicky.<\/li>\n<li>Ak m\u00e1te finan\u010dn\u00e9ho sprostredkovate\u013ea, ide\u00e1lnou vo\u013ebou je, ak to za v\u00e1s vyrie\u0161i on a cel\u00fd proces v\u00e1m zjednodu\u0161\u00ed.<\/li>\n<li>Pois\u0165ov\u0148a si n\u00e1sledne vy\u017eiada potrebn\u00e9 podklady, lek\u00e1rske spr\u00e1vy, potvrdenie o hospitaliz\u00e1cii a podobne.<\/li>\n<li>Pri dennom od\u0161kodnom za lie\u010dbu \u00farazu obvykle sta\u010d\u00ed dolo\u017ei\u0165 lek\u00e1rsku spr\u00e1vu, v ktorej je zaznamenan\u00fd \u00faraz a d\u00e1tum za\u010diatku lie\u010dby.<\/li>\n<li>V pr\u00edpade trval\u00fdch n\u00e1sledkov \u00farazu je potrebn\u00e9 prilo\u017ei\u0165 aj spr\u00e1vu, v ktorej lek\u00e1r zaznamen\u00e1 percentu\u00e1lny rozsah trval\u00e9ho po\u0161kodenia tela.<\/li>\n<li>Ak ide o invaliditu, vo v\u00e4\u010d\u0161ine pois\u0165ovn\u00ed je potrebn\u00fd posudok lek\u00e1ra zo Soci\u00e1lnej pois\u0165ovne.<\/li>\n<li>D\u00f4le\u017eit\u00e9 je komunikova\u0165 s pois\u0165ov\u0148ou a doda\u0165 jej kompletn\u00e9 podklady. Aj od va\u0161ej spolupr\u00e1ce z\u00e1vis\u00ed, ako r\u00fdchlo poistn\u00fd likvid\u00e1tor dok\u00e1\u017ee pre\u0161etri\u0165 poistn\u00fa udalos\u0165.<\/li>\n<li>Peniaze z poistn\u00e9ho plnenia v\u00e1m vyplatia najnesk\u00f4r do 15 dn\u00ed od ukon\u010denia \u0161etrenia udalosti.<\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\">Niektor\u00fdch klientov pois\u0165ovne nepoistia, d\u00f4vodov je viacero<\/span><\/h3>\n<p>S\u00fa aj skupiny \u013eud\u00ed, ktor\u00fdch pois\u0165ovne na \u00farazy nepoistia. Ide o klientov, ktor\u00ed vykon\u00e1vaj\u00fa vysoko rizikov\u00fa pracovn\u00fa \u010dinnos\u0165 alebo sa venuj\u00fa nebezpe\u010dn\u00fdm \u0161portov\u00fdm \u010di adrenal\u00ednov\u00fdm aktivit\u00e1m. T\u00fdka sa to profesion\u00e1lov i amat\u00e9rov. M\u00f4\u017ee \u00eds\u0165 o para\u0161utizmus, bungee jumping, skydiving, pr\u00edpadne nebezpe\u010dn\u00e9 bojov\u00e9 \u0161porty. \u010co sa t\u00fdka rizikov\u00fdch povolan\u00ed, re\u010d je napr\u00edklad o vojakoch, ktor\u00ed boli vyslan\u00ed na misie do ozbrojen\u00fdch konfliktov alebo ide o \u013eud\u00ed, ktor\u00ed manipuluj\u00fa s vysok\u00fdm elektrick\u00fdm nap\u00e4t\u00edm na v\u00fd\u0161kov\u00fdch sto\u017eiaroch.\u00a0<\/p>\n<p>\u010eal\u0161ou nepoistite\u013enou skupinou s\u00fa klienti, ktor\u00ed do poistenia vstupuj\u00fa\u00a0 s \u00farazom z minulosti. Pred vznikom \u017eivotn\u00e9ho poistenia je d\u00f4le\u017eit\u00e9, aby ste pravdivo vyplnili zdravotn\u00fd dotazn\u00edk, v ktorom pois\u0165ovne zis\u0165uj\u00fa zdravotn\u00fd stav klienta. Do dotazn\u00edka zaznamen\u00e1te napr\u00edklad ochorenia, na ktor\u00e9 sa lie\u010dite, pravidelne u\u017e\u00edvan\u00e9 lieky a takisto aj \u00farazy, ktor\u00e9 ste prekonali pred vstupom do poistenia. V niektor\u00fdch pois\u0165ovniach v\u00e1s na tieto \u00farazy u\u017e nepoistia v\u00f4bec, v in\u00fdch v\u00e1s poistia, ale s obmedzen\u00fdmi poistn\u00fdmi limitmi alebo za ove\u013ea vy\u0161\u0161iu cenu.\u00a0<\/p>\n<h3><span style=\"color: #ec8124;\">Porovn\u00e1me v\u00e1m mo\u017enosti a skontrolujeme star\u0161ie zmluvy<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">V\u00fdber \u017eivotn\u00e9ho poistenia rozhodne nepodce\u0148ujte. Obr\u00e1\u0165te sa na sk\u00fasen\u00fdch odborn\u00edkov, ktor\u00ed maj\u00fa <\/span><b>preh\u013ead<\/b> o cen\u00e1ch, podmienkach,<span style=\"font-weight: 400;\"> ale aj v\u00fdluk\u00e1ch \u010di h\u00e1\u010dikoch r\u00f4znych poistn\u00fdch produktov na trhu. Vedia v\u00e1m ich <\/span><b>objekt\u00edvne <\/b>porovna\u0165<span style=\"font-weight: 400;\"> s oh\u013eadom na va\u0161e potreby, \u017eivotn\u00fa aj finan\u010dn\u00fa situ\u00e1ciu.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finan\u010dn\u00fdch sprostredkovate\u013eov <strong>z FinGO.sk<\/strong> n\u00e1jdete na celom Slovensku. <strong>B<\/strong><\/span><b>ezplatne <\/b><span style=\"font-weight: 400;\">a nez\u00e1v\u00e4zne v\u00e1m skontrolujeme aj va\u0161e <\/span>star\u0161ie poistn\u00e9 zmluvy<span style=\"font-weight: 400;\">. Budete si tak ist\u00ed, \u017ee v\u00e1s pred nepredv\u00eddan\u00fdmi situ\u00e1ciami chr\u00e1nia naozaj dostato\u010dne.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zavolajte n\u00e1m na <a href=\"tel:0800601060\"><strong>0800 60 10 60<\/strong><\/a><\/span><span style=\"font-weight: 400;\">\u00a0alebo n\u00e1m <strong>zanechajte <\/strong><\/span><b>kontakt <\/b>vo formul\u00e1ri ni\u017e\u0161ie<span style=\"font-weight: 400;\"> a my sa v\u00e1m ozveme.<\/span><\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/7641#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n\n\n\n<figure class=\"wp-block-image\"><img alt=\"\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><img alt=\"\"\/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Podvrtnutia, zlomeniny, natrhnut\u00e9 svaly, ale aj zranenia chrbtice \u010di hlavy. Leto sa u det\u00ed aj u dospel\u00fdch ka\u017ed\u00fd rok sp\u00e1ja s vy\u0161\u0161\u00edm v\u00fdskytom \u00farazov. Tie nekon\u010dia \u201elen\u201d pokazen\u00fdmi pr\u00e1zdninami \u010di dovolenkou, v hor\u0161om pr\u00edpade \u017eia\u013e ved\u00fa aj k v\u00e1\u017enym oper\u00e1ci\u00e1m, trval\u00fdm n\u00e1sledkom \u010di k invalidite. Zdravotn\u00e9, ale aj finan\u010dn\u00e9 d\u00f4sledky t\u00fdchto udalost\u00ed v\u00e1s dok\u00e1\u017eu ovplyvni\u0165 na cel\u00fd \u017eivot. Ako v\u00e1m m\u00f4\u017ee pri \u00farazoch pom\u00f4c\u0165 \u017eivotn\u00e9 poistenie? A\u00a0ako postupova\u0165 pri poistn\u00fdch udalostiach? V\u00a0\u010dl\u00e1nku sa do\u010d\u00edtate: Ako s\u00favis\u00ed nebezpe\u010denstvo \u00farazu so \u017eivotn\u00fdm poisten\u00edm? Ak\u00e9 r\u00f4zne pripoistenia kryj\u00fa n\u00e1sledky po \u00farazoch? Ako nahl\u00e1si\u0165 pois\u0165ovni \u00faraz a\u00a0\u010do budete k\u00a0tomu potrebova\u0165? Koho m\u00f4\u017ee pois\u0165ov\u0148a odmietnu\u0165 poisti\u0165? Sta\u010d\u00ed sekunda nepozornosti a \u00faraz je na svete. Net\u00fdka sa to len det\u00ed, ale aj dospel\u00fdch. Pr\u00e1ve v letnom obdob\u00ed plnom \u0161portov\u00fdch a\u00a0vo\u013eno\u010dasov\u00fdch aktiv\u00edt, doch\u00e1dza k\u00a0\u00farazom naj\u010dastej\u0161ie. Bohu\u017eia\u013e, niektor\u00e9 z nich v\u00e1s nemusia \u201eprebolie\u0165\u201d za p\u00e1r dn\u00ed a dokonca ani za nieko\u013eko t\u00fd\u017ed\u0148ov. Pri ich lie\u010dbe a pr\u00edpadn\u00fdch n\u00e1sledkoch v\u00e1m finan\u010dn\u00fa injekciu poskytne \u017eivotn\u00e9 poistenie. Ak ho m\u00e1te nastaven\u00e9 spr\u00e1vne, budete m\u00f4c\u0165 po \u00faraze fungova\u0165 bez ob\u00e1v o finan\u010dn\u00fa situ\u00e1ciu seba alebo svojej rodiny. Naplno sa m\u00f4\u017eete s\u00fastredi\u0165 na lie\u010dbu, rehabilit\u00e1ciu a v\u0161etky \u00fakony s t\u00fdm spojen\u00e9. Pokles \u010di v\u00fdpadok pr\u00edjmu pokryje \u017eivotn\u00e9 poistenie V\u00a0r\u00e1mci \u017eivotn\u00e9ho poistenia si m\u00f4\u017eete [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":7646,"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>\u00daraz v\u00e1m m\u00f4\u017ee pokazi\u0165 leto, ale aj obr\u00e1ti\u0165 \u017eivot naruby. Viete, ako sa spr\u00e1vne poisti\u0165? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Zdravotn\u00e9, ale aj finan\u010dn\u00e9 d\u00f4sledky \u00farazov v\u00e1s dok\u00e1\u017eu ovplyvni\u0165 na cel\u00fd \u017eivot. 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