{"id":974,"date":"2019-04-25T18:24:12","date_gmt":"2019-04-25T16:24:12","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=974"},"modified":"2019-04-25T20:26:19","modified_gmt":"2019-04-25T18:26:19","slug":"poistenie-invalidity-vam-umozni-zit-nielen-prezivat","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/poistenie-invalidity-vam-umozni-zit-nielen-prezivat\/","title":{"rendered":"Poistenie invalidity v\u00e1m umo\u017en\u00ed \u017ei\u0165, nielen pre\u017e\u00edva\u0165"},"content":{"rendered":"

Na Slovensku \u017eije pribli\u017ene 235 tis\u00edc invalidov, ktor\u00ed sa okrem zhor\u0161en\u00e9ho zdravotn\u00e9ho stavu a soci\u00e1lneho vyl\u00fa\u010denia musia vyrovna\u0165 aj s rap\u00eddnym poklesom \u017eivotnej \u00farovne. Priemern\u00fd invalidn\u00fd d\u00f4chodok toti\u017e nedosahuje ani 40 percent z priemernej mesa\u010dnej mzdy na Slovensku. Poistenie invalidity sa tak st\u00e1va k\u013e\u00fa\u010dov\u00fdm krokom k finan\u010dn\u00e9mu zabezpe\u010deniu invalida a jeho rodiny. <\/b><\/p>\n

\u010co \u00a0je invalidita a ak\u00e9 s\u00fa jej naj\u010dastej\u0161ie pr\u00ed\u010diny?<\/b><\/span><\/h3>\n

Invalidita je tak\u00e9 zhor\u0161enie zdravotn\u00e9ho stavu, kedy \u010dlovek str\u00e1ca schopnos\u0165 pracova\u0165 a dlhodobo tak prich\u00e1dza o pr\u00edjem.<\/b> Jeho v\u00fddavky v\u0161ak ost\u00e1vaj\u00fa nezmenen\u00e9, ba dokonca vzrast\u00fa, nako\u013eko prich\u00e1dzaj\u00fa v\u00fddavky spojen\u00e9 s k\u00fapou liekov, rehabilita\u010dn\u00fdmi pom\u00f4ckami, pobytmi v k\u00fape\u013eoch a podobne. Nerozpr\u00e1vame sa teda o mal\u00fdch pe\u0148a\u017en\u00fdch sum\u00e1ch. <\/span><\/p>\n

Pozn\u00e1me dva druhy invalidity. <\/span>\u010ciasto\u010dn\u00e1 invalidita<\/b> nast\u00e1va, ak je telesn\u00e9 po\u0161kodenie a<\/span>spo\u0148 41 % a menej ako 70 %.<\/b> \u00dapln\u00e1 invalidita nast\u00e1va pri telesnom po\u0161koden\u00ed nad 70 %<\/b>. Vtedy hovor\u00edme o tom, \u017ee \u010dlovek stratil \u00fapln\u00fa schopnos\u0165 \u010falej vykon\u00e1va\u0165 pracovn\u00fa \u010dinnos\u0165. <\/span><\/p>\n

Medzi <\/span>p\u00e4\u0165 naj\u010dastej\u0161\u00edch pr\u00ed\u010din invalidity na Slovensku<\/b> rad\u00edme <\/span>choroby nervov\u00e9ho syst\u00e9mu<\/b>, \u00a0pri\u010dom s\u00fa to v tejto kateg\u00f3ri\u00ed naj\u010dastej\u0161ie n\u00e1hle cievne mozgov\u00e9 pr\u00edhody a skler\u00f3za multiplex. \u010eal\u0161\u00edm postrachom s\u00fa <\/span>choroby obehovej s\u00fastavy,<\/b> ktor\u00e9 sp\u00f4sobuje napr\u00edklad vysok\u00fd tlak. Tre\u0165ou naj\u010dastej\u0161ou skupinou s\u00fa <\/span>du\u0161evn\u00e9 poruchy<\/b>, druhou <\/span>n\u00e1dory<\/b>\u00a0a prvenstvo si posledn\u00e9 tri roky udr\u017eiavaj\u00fa <\/span>choroby svalovej, kostrovej s\u00fastavy a spojivov\u00e9ho tkaniva. <\/b>Tieto choroby s\u00fa v poslednom obdob\u00ed pr\u00ed\u010dinou a\u017e jednej \u0161tvrtiny invalid\u00edt na Slovensku.\u00a0<\/span><\/p>\n

Invalidovi m\u00f4\u017ee by\u0165, za ur\u010dit\u00fdch podmienok, priznan\u00fd <\/span>invalidn\u00fd d\u00f4chodok. Je to d\u00f4chodkov\u00e1 d\u00e1vka, ktor\u00e1 sa za podmienok ustanoven\u00fdch z\u00e1konom poskytuje z invalidn\u00e9ho poistenia.<\/b> \u00da\u010delom invalidn\u00e9ho d\u00f4chodku je zabezpe\u010di\u0165 poistencovi pr\u00edjem v pr\u00edpade poklesu schopnosti vykon\u00e1va\u0165 z\u00e1robkov\u00fa \u010dinnos\u0165 v d\u00f4sledku dlhodobo nepriazniv\u00e9ho zdravotn\u00e9ho stavu. <\/span><\/p>\n

Pozrime sa bli\u017e\u0161ie na to, ako soci\u00e1lna pois\u0165ov\u0148a podporuje \u013eud\u00ed odk\u00e1zan\u00fdch na invalidn\u00fd d\u00f4chodok. <\/span>Priemern\u00e1 v\u00fd\u0161ka vypl\u00e1can\u00fdch d\u00f4chodkov tento rok je pri \u010diasto\u010dnom invalidnom d\u00f4chodku 209,24 eur a pri \u00faplnom invalidnom d\u00f4chodku 378,34 eur.<\/b> Toto s\u00fa mesa\u010dn\u00e9 d\u00e1vky, s ktor\u00fdmi by si mal invalidn\u00fd \u010dlovek vysta\u010di\u0165. Nu\u017e, pos\u00fa\u010fte sami…<\/span><\/p>\n

Ako sa m\u00f4\u017eete chr\u00e1ni\u0165 pre pr\u00edpad invalidity?<\/b><\/span><\/h3>\n

Aj ni\u017e\u0161ia forma invalidity dok\u00e1\u017ee \u017eivite\u013ea rodiny pripravi\u0165 o mo\u017enos\u0165 zar\u00e1ba\u0165, \u010do m\u00f4\u017ee vies\u0165 k rap\u00eddnemu poklesu \u017eivotnej \u00farovne jeho aj jeho rodiny. K\u013e\u00fa\u010dov\u00fdm krokom k finan\u010dn\u00e9mu zabezpe\u010deniu sa tak st\u00e1va<\/span> poistenie invalidity. <\/b>Komer\u010dn\u00e9 pois\u0165ovne neust\u00e1le sleduj\u00fa trendy na poistnom trhu a prin\u00e1\u0161aj\u00fa nov\u00e9 a nov\u00e9 varianty pripoisten\u00ed, aby dok\u00e1zali poskytn\u00fa\u0165 klientovi krytie ak\u00e9 potrebuje. Pripoisten\u00ed invalidity je mnoho, tak si po\u010fme v skratke poveda\u0165 \u010do znamenaj\u00fa.<\/span><\/p>\n

\u00dapln\u00e1 invalidita s kon\u0161tantnou poistnou sumou<\/b>\u00a0kryje klienta, ak je jeho telesn\u00e9 po\u0161kodenie v\u00e4\u010d\u0161ie ako 70 %, podobne ako v soci\u00e1lnej pois\u0165ovni. Klient m\u00e1 vtedy n\u00e1rok na jednorazovo vyplaten\u00fa poistn\u00fa sumu vo v\u00fd\u0161ke ak\u00fa si uzatvoril.<\/span><\/p>\n

\u010ciasto\u010dn\u00e1 invalidita s kon\u0161tantnou poistnou sumou<\/b>\u00a0kryje klienta, ak je jeho telesn\u00e9 po\u0161kodenie aspo\u0148 41 % a takisto m\u00e1 n\u00e1rok na vyplatenie celej poistnej sumy vo v\u00fd\u0161ke ak\u00fa si uzatvoril.<\/span><\/p>\n

\u00dapln\u00e1 \/ \u010diasto\u010dn\u00e1 invalidita s klesaj\u00facou poistnou sumou<\/b>\u00a0kryje klienta rovnako, ale men\u00ed sa suma v\u00fdplaty. Ke\u010f\u017ee hovor\u00edme o klesaj\u00facej poistnej sume, znamen\u00e1 to, \u017ee suma na ktor\u00fa sa klient pri vstupe do poistenia poistil, line\u00e1rne kles\u00e1 po cel\u00fa dobu poistenia. Preto je t\u00e1to forma pripoistenia\u00a0<\/span>podstatne lacnej\u0161ia.<\/span><\/p>\n

Invalidn\u00fd d\u00f4chodok<\/b>\u00a0kryje klienta, ak ostane invalidn\u00fd bu\u010f \u010diasto\u010dne alebo \u00faplne. Z\u00e1le\u017e\u00ed op\u00e4\u0165 od nastavenia pripoistenia, \u010di si klient zvolil krytie od 41 % alebo a\u017e od 70 %. Vtedy m\u00e1 klient n\u00e1rok na plnenie formou mesa\u010dn\u00e9ho d\u00f4chodku. Sumu, ktor\u00e1 mu bude v pr\u00edpade invalidity vypl\u00e1can\u00e1, si vol\u00ed klient s\u00e1m.<\/span><\/p>\n

Na \u010do si treba da\u0165 pri uzatv\u00e1ran\u00ed poistenia pozor?<\/b><\/span><\/h3>\n

Niektor\u00e9 pois\u0165ovne maj\u00fa vo svojich poistn\u00fdch podmienkach uveden\u00fa inform\u00e1ciu, \u017ee klient m\u00e1 n\u00e1rok na plnenie z pripoistenia invalidity len v pr\u00edpade, ak mu soci\u00e1lna pois\u0165ov\u0148a prizn\u00e1 n\u00e1rok na invalidn\u00fd d\u00f4chodok.<\/strong> Soci\u00e1lna pois\u0165ov\u0148a si ale stanovuje podmienky pre priznanie t\u00fdchto d\u00e1vok a tak klientovi nemus\u00ed n\u00e1rok na d\u00f4chodok ods\u00fahlasi\u0165. T\u00fdm p\u00e1dom nem\u00e1 klient n\u00e1rok ani na plnenie z poistenia.<\/strong> Preto si treba zvoli\u0165 pois\u0165ov\u0148u, ktor\u00e1 \u017eiadnu tak\u00fato po\u017eiadavku vo svojich podmienkach nem\u00e1 a klientovi prizn\u00e1 n\u00e1rok na plnenie bez oh\u013eadu na to, \u010di mu soci\u00e1lna pois\u0165ov\u0148a prizn\u00e1 n\u00e1rok na invalidn\u00fd d\u00f4chodok alebo nie. <\/span><\/p>\n

Bu\u010fte preto opatrn\u00ed pri uzatv\u00e1ran\u00ed \u017eivotn\u00e9ho poistenia.\u00a0Aby ste mali to najlep\u0161ie zabezpe\u010denie pre pr\u00edpad, \u017ee budete v bud\u00facnosti potrebova\u0165 finan\u010dn\u00fa oporu,\u00a0pora\u010fte sa pred uzatvoren\u00edm poistky so \u0161pecialistom v tomto obore.<\/strong> Jednoduch\u00e9 porovnanie \u017eivotn\u00e9ho poistenia si m\u00f4\u017eete urobi\u0165 aj sami prostredn\u00edctvom n\u00e1\u0161ho porovn\u00e1va\u010da \u017eivotn\u00e9ho poistenia.<\/a> S v\u00fdberom vhodnej pois\u0165ovne, vo\u013ebou produktu a so spr\u00e1vnym nastaven\u00edm poistnej sumy v\u00e1m n\u00e1sledne radi pom\u00f4\u017eu na\u0161i finan\u010dn\u00ed \u0161pecialisti. <\/span><\/p>\n

Nezabudnite, \u017ee poistenie invalidity v\u00e1m s\u00edce nedok\u00e1\u017ee prinavr\u00e1ti\u0165 straten\u00e9 zdravie, ale pom\u00f4\u017ee v\u00e1m udr\u017ea\u0165 si \u017eivotn\u00fd \u0161tandard, vyrovna\u0165 finan\u010dn\u00e9 z\u00e1v\u00e4zky a zabezpe\u010di\u0165 v\u00e1s a va\u0161u rodinu v pr\u00edpade, ak v\u00e1s nepriazniv\u00e9 \u017eivotn\u00e9 okolnosti ober\u00fa o mo\u017enos\u0165 postara\u0165 sa o v\u0161etko vlastn\u00fdmi silami.\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Na Slovensku \u017eije pribli\u017ene 235 tis\u00edc invalidov, ktor\u00ed sa okrem zhor\u0161en\u00e9ho zdravotn\u00e9ho stavu a soci\u00e1lneho vyl\u00fa\u010denia musia vyrovna\u0165 aj s rap\u00eddnym poklesom \u017eivotnej \u00farovne. Priemern\u00fd invalidn\u00fd d\u00f4chodok toti\u017e nedosahuje ani 40 percent z priemernej mesa\u010dnej mzdy na Slovensku. Poistenie invalidity sa tak st\u00e1va k\u013e\u00fa\u010dov\u00fdm krokom k finan\u010dn\u00e9mu zabezpe\u010deniu invalida a jeho rodiny.<\/p>\n","protected":false},"author":23,"featured_media":975,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[15],"tags":[56,89,95],"yoast_head":"\nPoistenie invalidity v\u00e1m umo\u017en\u00ed \u017ei\u0165, nielen pre\u017e\u00edva\u0165 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Priemern\u00fd invalidn\u00fd d\u00f4chodok nedosahuje ani 40 % z priemernej mzdy. 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