{"id":4157,"date":"2020-11-23T15:08:11","date_gmt":"2020-11-23T14:08:11","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=4157"},"modified":"2026-06-11T12:22:44","modified_gmt":"2026-06-11T10:22:44","slug":"pojisteni-pracovni-neschopnosti","status":"publish","type":"post","link":"https:\/\/mutumutu.cz\/blog\/pojisteni-pracovni-neschopnosti\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti: V\u0161echno, co o n\u011bm pot\u0159ebujete v\u011bd\u011bt"},"content":{"rendered":"\n<p><strong>Mo\u017en\u00e1 jste tak\u00e9 byli sv\u011bdky situace, kdy n\u011bkdo z va\u0161ich koleg\u016f p\u0159i\u0161el do pr\u00e1ce marod. I kdy\u017e takov\u00e9 jedn\u00e1n\u00ed pova\u017eujeme za bezohlednost, pro \u0159adu lid\u00ed m\u016f\u017ee j\u00edt o jedin\u00e9 \u0159e\u0161en\u00ed, jak si zachovat p\u0159\u00edjem a ust\u00e1t finan\u010dn\u00ed z\u00e1vazky. Proto je d\u016fle\u017eit\u00e9 m\u00edt v r\u00e1mci \u017eivotka poji\u0161t\u011bn\u00e9 situace, kdy je ohro\u017een v\u00e1\u0161 p\u0159\u00edjem, pota\u017emo p\u0159\u00edjem va\u0161\u00ed rodiny. Jak poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad pracovn\u00ed neschopnosti funguje? A m\u011blo by zaj\u00edmat pr\u00e1v\u011b v\u00e1s?<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pro\u010d jdou \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a pracovn\u00ed neschopnost ruku v ruce<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti je a\u017e na v\u00fdjimky <strong>dostupn\u00e9 pouze jako dopl\u0148kov\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed k \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed<\/strong>. Jinou variantou je poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti v r\u00e1mci bal\u00ed\u010dk\u016f poji\u0161t\u011bn\u00ed v\u00fddaj\u016f nebo poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet, kter\u00e9 nab\u00edzej\u00ed banky a spl\u00e1tkov\u00e9 spole\u010dnosti. V bal\u00ed\u010dku spolu s poji\u0161t\u011bn\u00edm ztr\u00e1ty zam\u011bstn\u00e1n\u00ed, invalidity a smrti v\u0161ak pln\u011bn\u00ed kryje pouze spl\u00e1tky \u00fav\u011bru a pojistnou \u010d\u00e1stku si nem\u016f\u017eete upravit tak, aby odpov\u00eddala va\u0161im pot\u0159eb\u00e1m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pracovn\u00ed neschopnost a poji\u0161t\u011bn\u00ed: r\u016fzn\u00e9 n\u00e1zvy, stejn\u00fd princip&nbsp;&nbsp;<\/h2>\n\n\n\n<p>Pokud kv\u016fli nemoci nebo \u00farazu nem\u016f\u017eete del\u0161\u00ed dobu vyd\u011bl\u00e1vat, pravd\u011bpodobn\u011b to dost zat\u00ed\u017e\u00ed v\u00e1\u0161 rozpo\u010det. Pro takov\u00e9 p\u0159\u00edpady je tady <strong>speci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 lid\u00e9 naz\u00fdvaj\u00ed r\u016fzn\u011b<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>poji\u0161t\u011bn\u00ed nemoci,<\/li>\n\n\n\n<li>poji\u0161t\u011bn\u00ed nemocensk\u00e9,<\/li>\n\n\n\n<li>poji\u0161t\u011bn\u00ed neschopnosti,<\/li>\n\n\n\n<li>pojistka na nemoc,<\/li>\n\n\n\n<li>poji\u0161t\u011bn\u00ed neschopenky apod.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<p>\u010casto se setk\u00e1v\u00e1me tak\u00e9 s ozna\u010den\u00edm poji\u0161t\u011bn\u00ed proti nemoci nebo poji\u0161t\u011bn\u00ed proti pracovn\u00ed neschopnosti \u2013 \u017e\u00e1dn\u00e9 poji\u0161t\u011bn\u00ed ale nedok\u00e1\u017ee nemoci nebo \u00farazu zabr\u00e1nit, co\u017e m\u016f\u017ee ono sl\u016fvko <em>proti <\/em>evokovat. Ka\u017edop\u00e1dn\u011b a\u0165 u\u017e tomu d\u00e1me jak\u00fdkoli n\u00e1zev, st\u00e1le jde o poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti, d\u00edky kter\u00e9mu v\u00e1m <strong>poji\u0161\u0165ovna dorovn\u00e1 v\u00fdpadek p\u0159\u00edjmu<\/strong>, ne\u017e se uzdrav\u00edte.&nbsp;<\/p>\n\n\n\n<p>O pracovn\u00ed neschopnosti hovo\u0159\u00edme v p\u0159\u00edpad\u011b, kdy je \u010dlov\u011bk do\u010dasn\u011b uzn\u00e1n neschopn\u00fdm v\u00fdkonu sv\u00e9 pr\u00e1ce. Zase se chyt\u00e1me jednoho slova, a t\u00edm je tentokr\u00e1t <em>uzn\u00e1n. <\/em><strong>Situaci v\u017edy mus\u00ed posoudit l\u00e9ka\u0159.<\/strong> Pokud si klid na l\u016f\u017eku naordinujete sami, nevznikaj\u00ed v\u00e1m \u017e\u00e1dn\u00e9 n\u00e1roky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pro\u010d je poji\u0161t\u011bn\u00ed neschopenky d\u016fle\u017eit\u00e9<\/h2>\n\n\n\n<p>Jednodu\u0161e proto, \u017ee ka\u017ed\u00fd m\u011bs\u00edc dostanete tolik pen\u011bz, kolik jste si sjednali. Jasn\u011b, jako zam\u011bstnanec v r\u00e1mci soci\u00e1ln\u00edho syst\u00e9mu <strong>dostanete i pen\u00edze od st\u00e1tu<\/strong>. Tedy n\u00e1hradu mzdy a nemocenskou. N\u00e1hradu mzdy plat\u00ed zam\u011bstnavatel za prvn\u00edch 14 kalend\u00e1\u0159n\u00edch dn\u016f nemoci a je to 60 % redukovan\u00e9ho pr\u016fm\u011brn\u00e9ho v\u00fdd\u011blku za neodpracovan\u00e9 sm\u011bny. Od 15. dne vznik\u00e1 n\u00e1rok na nemocensk\u00e9 d\u00e1vky od \u010cSSZ, kde vstupuj\u00ed do hry tzv. reduk\u010dn\u00ed hranice. V praxi to zjednodu\u0161en\u011b \u0159e\u010deno znamen\u00e1, \u017ee <strong>\u010d\u00edm vy\u0161\u0161\u00ed p\u0159\u00edjem m\u00e1te, t\u00edm v\u011bt\u0161\u00ed propad zaznamen\u00e1te<\/strong>. P\u0159esnou v\u00fd\u0161i nemocensk\u00fdch d\u00e1vek si m\u016f\u017eete spo\u010d\u00edtat na <a href=\"https:\/\/www.mpsv.cz\/kalkulacka-pro-vypocet-davek-v-roce-2025\">kalkula\u010dce \u010cSSZ<\/a>.<\/p>\n\n\n\n<p>Je\u0161t\u011b <strong>v\u00e1\u017en\u011bj\u0161\u00ed to m\u016f\u017ee b\u00fdt u OSV\u010c<\/strong>, pokud si neplat\u00ed dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed (nepl\u00e9st s povinn\u00fdm zdravotn\u00edm poji\u0161t\u011bn\u00edm). Takov\u00fd \u010dlov\u011bk pak nedostane od st\u00e1tu v\u016fbec nic a jeho v\u00fdpadek p\u0159\u00edjmu je stoprocentn\u00ed.<\/p>\n\n\n\n<p>Pracovn\u00ed neschopnost zkr\u00e1tka znamen\u00e1 slu\u0161nou d\u00edru do rozpo\u010dtu. \u0158e\u0161en\u00ed pro takov\u00e9 situace jsou t\u0159i:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Nikdy neonemocn\u011bt<\/strong> \u2013 zn\u00ed to hezky, ale v praxi je to v podstat\u011b nemo\u017en\u00e9. Nikdo z n\u00e1s nem\u016f\u017ee za\u0159\u00eddit, aby se mu zdravotn\u00ed probl\u00e9my cel\u00fd \u017eivot vyh\u00fdbaly.<\/li>\n\n\n\n<li><strong>Vytvo\u0159it si rezervu alespo\u0148 na \u0161est m\u011bs\u00edc\u016f<\/strong> \u2013 to pro mnoho lid\u00ed nemus\u00ed b\u00fdt tak snadn\u00e9, vzhledem k tomu, \u017ee ve <a href=\"https:\/\/www.pragueforum.cz\/financial-study-by-ipsos-czech-republic-faces-savings-challenges-as-majority-struggle-to-set-aside-even-minimal-amounts\/\">finan\u010dn\u00ed studii spole\u010dnosti Ipsos<\/a> polovina respondent\u016f p\u0159iznala, \u017ee jejich \u00faspory by nepokryly ani t\u0159\u00edm\u011bs\u00ed\u010dn\u00ed p\u0159eru\u0161en\u00ed p\u0159\u00edjmu.<\/li>\n\n\n\n<li><strong>Za\u0159\u00eddit si poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad nemoci<\/strong> \u2013 sjedn\u00e1te-li si <a href=\"https:\/\/mutumutu.cz\/blog\/2020\/11\/23\/pojisteni-pracovni-neschopnosti\/\">kvalitn\u00ed poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/a>, nemus\u00edte u\u017e \u0159e\u0161it \u017e\u00e1dn\u00e9 extra poji\u0161t\u011bn\u00ed nemoci nebo \u00farazu.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-center\"><em>Zaj\u00edm\u00e1 v\u00e1s, kolik stoj\u00ed poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti? Vyzkou\u0161ejte na\u0161i kalkula\u010dku, kde si v n\u011bkolik kroc\u00edch m\u016f\u017eete v\u0161echno nez\u00e1vazn\u011b spo\u010d\u00edtat.<\/em><\/p>\n\n\n\n<p class=\"has-text-align-center\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/mutumutu.cz\/kalkulacka\/uvod\/uvod'>Vyzkou\u0161et kalkula\u010dku<\/a><\/div><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pro koho je poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti vhodn\u00e9&nbsp;<\/h2>\n\n\n\n<p>a troufneme si \u0159\u00edct, \u017ee i nezbytn\u00e9:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>OSV\u010c<\/strong>. Obzvl\u00e1\u0161t\u011b pokud si neplat\u00ed dobrovoln\u00e9 nemocensk\u00e9 poji\u0161t\u011bn\u00ed. Nav\u00edc soukrom\u00e9 poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti m\u016f\u017ee b\u00fdt dobr\u00fdm dopl\u0148kem k nemocensk\u00e9mu poji\u0161t\u011bn\u00ed a m\u016f\u017ee b\u00fdt i finan\u010dn\u011b v\u00fdhodn\u011bj\u0161\u00ed.\u00a0<\/li>\n\n\n\n<li><strong>Hlavn\u00ed \u017eivitel\u00e9<\/strong>. Del\u0161\u00ed pracovn\u00ed neschopnost lid\u00ed, jejich\u017e p\u0159\u00edjem je hlavn\u00ed, nebo dokonce jedin\u00fd zdroj pen\u011bz v dom\u00e1cnosti, m\u016f\u017ee m\u00edt fat\u00e1ln\u00ed n\u00e1sledky.<\/li>\n\n\n\n<li>Lid\u00e9, jejich\u017e <strong>p\u0159\u00edjem je d\u016fle\u017eitou sou\u010d\u00e1st\u00ed rodinn\u00e9ho rozpo\u010dtu<\/strong>. I kr\u00e1tkodob\u00fd v\u00fdpadek p\u0159\u00edjm\u016f m\u016f\u017ee znamenat probl\u00e9m se spl\u00e1tkami a zbyte\u010dn\u00fd stres pro celou rodinu.<\/li>\n\n\n\n<li>Man\u017eel\u00e9 \u010di partne\u0159i v jedn\u00e9 dom\u00e1cnosti, kte\u0159\u00ed <strong>pl\u00e1nuj\u00ed zalo\u017eit rodinu<\/strong>. Mzdu jednoho z nich nahrad\u00ed rodi\u010dovsk\u00fd p\u0159\u00edsp\u011bvek, tak\u017ee druh\u00fd zkr\u00e1tka \u201enesm\u00ed\u201c dlouhodob\u011b onemocn\u011bt.\u00a0<\/li>\n\n\n\n<li>Rodiny, ve kter\u00fdch v\u0161echny <strong>p\u0159\u00edjmy sta\u010d\u00ed jen na pokryt\u00ed z\u00e1kladn\u00edch v\u00fddaj\u016f<\/strong>. Pokud najednou jeden p\u0159\u00edjem vypadne, znamen\u00e1 to velkou z\u00e1t\u011b\u017e. A kv\u016fli nemoci mohou p\u0159ib\u00fdt v\u00fddaje za l\u00e9ky, rehabilitace apod.<\/li>\n\n\n\n<li>Lid\u00e9, kte\u0159\u00ed<strong> nemaj\u00ed dostate\u010dnou rezervu.<\/strong> V p\u0159\u00edpad\u011b, \u017ee onemocn\u00ed nebo se zran\u00ed a nebudou moci pracovat, nebudou m\u00edt z \u010deho br\u00e1t.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Kdy nedostanete pen\u00edze aneb v\u00fdluky z poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/h2>\n\n\n\n<p>Jedn\u00edm z d\u016fvod\u016f je, kdy\u017e vyjde najevo, \u017ee <strong>\u00fadaje uveden\u00e9 v pojistn\u00e9 smlouv\u011b nebo zdravotn\u00edm dotazn\u00edku jsou daleko od pravdy<\/strong>. V takov\u00e9m p\u0159\u00edpad\u011b m\u016f\u017ee poji\u0161\u0165ovna pln\u011bn\u00ed kr\u00e1tit nebo ho v\u016fbec nevyplatit.&nbsp;<\/p>\n\n\n\n<p>Jak u\u017e jsme psali v\u00fd\u0161e, pln\u011bn\u00ed se vypl\u00e1c\u00ed na z\u00e1klad\u011b potvrzen\u00ed o do\u010dasn\u00e9 pracovn\u00ed neschopnosti od l\u00e9ka\u0159e. Pokud v\u00e1m <strong>l\u00e9ka\u0159 neschopenku nevystav\u00ed<\/strong>, nedostanete od poji\u0161\u0165ovny nic. A to se m\u016f\u017ee st\u00e1t v t\u011bchto p\u0159\u00edpadech:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>jste na mate\u0159sk\u00e9 nebo rodi\u010dovsk\u00e9 dovolen\u00e9,<\/li>\n\n\n\n<li>vykon\u00e1v\u00e1te pracovn\u00ed \u010dinnost na z\u00e1klad\u011b dohody o proveden\u00ed pr\u00e1ce s m\u011bs\u00ed\u010dn\u00ed odm\u011bnou do 12\u00a0000 korun,<\/li>\n\n\n\n<li>vykon\u00e1v\u00e1te pracovn\u00ed \u010dinnost na z\u00e1klad\u011b dohody o pracovn\u00ed \u010dinnosti s m\u011bs\u00ed\u010dn\u00ed odm\u011bnou do 4 500 korun,<\/li>\n\n\n\n<li>jste v evidenci \u00fa\u0159adu pr\u00e1ce.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Je to proto, \u017ee v t\u011bchto p\u0159\u00edpadech <strong>neodv\u00e1d\u00edte soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed, ze kter\u00e9ho se nemocensk\u00e1 vypl\u00e1c\u00ed<\/strong>. Nebo pob\u00edr\u00e1te p\u0159\u00edsp\u011bvek, kter\u00fd budete dost\u00e1vat d\u00e1l beze zm\u011bn, i kdy\u017e marod\u00edte.<\/p>\n\n\n\n<p>Jinak je to u OSV\u010c. Neschopenka se v\u00e1s net\u00fdk\u00e1, ale nemoc m\u016f\u017eete poji\u0161\u0165ovn\u011b nahl\u00e1sit jako pojistnou ud\u00e1lost. Bude v\u00e1m sta\u010dit <strong>l\u00e9ka\u0159sk\u00e1 zpr\u00e1va s uveden\u00edm diagn\u00f3zy<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Pln\u011bn\u00ed v\u00e1m nemus\u00ed n\u00e1le\u017eet za pracovn\u00ed \u00faraz nebo nemoc z povol\u00e1n\u00ed, proto\u017ee v t\u011bchto p\u0159\u00edpadech m\u00e1te n\u00e1rok na n\u00e1hradu pln\u00e9 mzdy od zam\u011bstnavatele. <strong>Poji\u0161t\u011bn\u00ed pracovn\u00edch \u00faraz\u016f a nemoc\u00ed z povol\u00e1n\u00ed<\/strong> vy \u0159e\u0161it nemus\u00edte, je to z\u00e1le\u017eitost zam\u011bstnavatel\u016f.<\/p>\n\n\n\n<p>A pak existuj\u00ed r\u016fzn\u00e9 <strong>v\u00fdluky z poji\u0161t\u011bn\u00ed, kv\u016fli kter\u00fdm v\u00e1m poji\u0161\u0165ovna tak\u00e9 nic nevyplat\u00ed<\/strong>. Mezi \u010dast\u00e9 v\u00fdluky v poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti pat\u0159\u00ed, pokud pojistn\u00e1 ud\u00e1lost nastane:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>v souvislosti s u\u017e\u00edv\u00e1n\u00edm alkoholu nebo drog,<\/li>\n\n\n\n<li>v d\u016fsledku pokusu o sebevra\u017edu do ur\u010dit\u00e9 doby od za\u010d\u00e1tku nebo zm\u011bny poji\u0161t\u011bn\u00ed,<\/li>\n\n\n\n<li>v souvislosti s trestn\u00fdm \u010dinem,<\/li>\n\n\n\n<li>p\u0159i provozov\u00e1n\u00ed adrenalinov\u00fdch sport\u016f.<\/li>\n<\/ul>\n\n\n\n<p>Mezi nej\u010dast\u011bji vylou\u010den\u00e9 nemoci jinak pat\u0159\u00ed ty du\u0161evn\u00ed, onemocn\u011bn\u00ed souvisej\u00edc\u00ed s t\u011bhotenstv\u00edm nebo nemoci p\u00e1te\u0159e.<\/p>\n\n\n\n<p><strong>Ka\u017ed\u00e1 poji\u0161\u0165ovna stanovuje sv\u00e9 vlastn\u00ed podm\u00ednky<\/strong>, kdy pojistn\u00e9 pln\u011bn\u00ed poskytne a kdy ne. V pojistn\u00fdch podm\u00ednk\u00e1ch je hledejte v sekci \u201ev\u00fdluky\u201c nebo v popisu dan\u00e9ho rizika, abyste pak nebyli nemile p\u0159ekvapeni, kdy\u017e nedostanete ani vindru.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><em>My v Mutumutu m\u00e1me za to, \u017ee \u010d\u00edm m\u00e9n\u011b v\u00fdluk, t\u00edm l\u00e9pe. Poji\u0161\u0165ujeme na v\u0161echny psychick\u00e9 nemoci v\u010detn\u011b syndromu vyho\u0159en\u00ed a tak\u00e9 na bolesti zad. V\u00fdluky z poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti (i v\u0161ech dal\u0161\u00edch poji\u0161t\u011bn\u00ed) sice m\u00e1me, ale jsou jasn\u011b formulovan\u00e9 a v\u011bt\u0161inu z nich byste si asi domysleli.<\/em><\/p>\n\n\n\n<p class=\"has-text-align-center\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href=''>Jak v\u00e1s pojist\u00edme my<\/a><\/div><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed denn\u00ed d\u00e1vky p\u0159i pracovn\u00ed neschopnosti \u2013 na jakou \u010d\u00e1stku se pojistit?<\/h2>\n\n\n\n<p>V\u00fd\u0161e denn\u00ed d\u00e1vky \u2013 tedy pen\u00edze, kter\u00e9 dostanete za ka\u017ed\u00fd den neschopenky \u2013 <strong>odpov\u00edd\u00e1 p\u0159\u00edjmu<\/strong>. Soci\u00e1ln\u00ed s\u00edt\u011b jsou pln\u00e9 rozho\u0159\u010den\u00fdch p\u0159\u00edsp\u011bvk\u016f lid\u00ed, kte\u0159\u00ed vyd\u011bl\u00e1vaj\u00ed nap\u0159\u00edklad 30 tis\u00edc korun m\u011bs\u00ed\u010dn\u011b, pojistili se na denn\u00ed d\u00e1vku 2 000 korun a o\u010dek\u00e1vali, \u017ee v pracovn\u00ed neschopnosti dostanou od poji\u0161\u0165ovny 60 tis\u00edc. Jen\u017ee poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti <strong>slou\u017e\u00ed k tomu, aby dorovnalo v\u00e1\u0161 chyb\u011bj\u00edc\u00ed p\u0159\u00edjem<\/strong> \u2013 ne k tomu, abyste na neschopenk\u00e1ch vyd\u011bl\u00e1vali.&nbsp;<\/p>\n\n\n\n<p>Pojistn\u00e9 \u010d\u00e1stky by m\u011bly v\u017edy <strong>korespondovat s va\u0161\u00edm aktu\u00e1ln\u00edm p\u0159\u00edjmem<\/strong>. Pokud jste si v pr\u00e1ci polep\u0161ili, m\u016f\u017eete pojistnou \u010d\u00e1stku nav\u00fd\u0161it. Jestli to neud\u011bl\u00e1te, nic se ned\u011bje. Ale p\u0159i pojistn\u00e9 ud\u00e1losti dostanete jen tolik, na kolik jste se p\u016fvodn\u011b pojistili.<\/p>\n\n\n\n<p>Kdy\u017e v\u00e1\u0161 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem naopak poklesne, poji\u0161\u0165ovna bude pln\u011bn\u00ed kr\u00e1tit tak, aby odpov\u00eddalo va\u0161emu sou\u010dasn\u00e9mu p\u0159\u00edjmu. V takov\u00e9m p\u0159\u00edpad\u011b <strong>plat\u00edte vy\u0161\u0161\u00ed pojistn\u00e9 \u00fapln\u011b zbyte\u010dn\u011b<\/strong>. Poji\u0161\u0165ovny oby\u010dejn\u011b toleruj\u00ed dvacetiprocentn\u00ed rozd\u00edl mezi va\u0161\u00edm p\u0159\u00edjmem a po\u017eadovan\u00fdm p\u0159\u00edjmem podle denn\u00ed d\u00e1vky, kterou jste si zvolili.<\/p>\n\n\n\n<p>V b\u011b\u017en\u00e9m \u017eivot\u011b se \u010dast\u011bji st\u00e1v\u00e1, \u017ee p\u0159\u00edjem \u010dasem roste. Tak nezapom\u00ednejte <strong>\u010das od \u010dasu nebo p\u0159i v\u011bt\u0161\u00ed zm\u011bn\u011b pojistku aktualizovat<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed v dob\u011b pracovn\u00ed neschopnosti: nezkou\u0161ejte poji\u0161\u0165ovnu p\u0159echytra\u010dit<\/h2>\n\n\n\n<p>M\u016f\u017eete vz\u00edt jed na to, \u017ee pokud u\u017e jste nemocn\u00ed, <strong>za aktu\u00e1ln\u00ed nemocenskou \u017e\u00e1dn\u00e1 poji\u0161\u0165ovna plnit nebude<\/strong>. Pojistit se lze na p\u0159\u00ed\u0161t\u00ed nep\u0159edv\u00eddateln\u00e9 situace, ne na to, co v\u00e1s potkalo te\u010f. Ho\u0159\u00edc\u00ed d\u016fm u\u017e v\u00e1m taky nikdo nepojist\u00ed. Pojistit se tedy m\u016f\u017eete a\u017e po ukon\u010den\u00ed neschopenky.<\/p>\n\n\n\n<p>Dal\u0161\u00edm p\u0159\u00edpadem je, \u017ee mo\u017en\u00e1 nejste \u00fapln\u011b fit a va\u0161e zdravotn\u00ed karta u\u017e n\u011bjakou tu nemoc schov\u00e1v\u00e1. Nebo o poji\u0161t\u011bn\u00ed uva\u017eujete proto, \u017ee jste prod\u011blali komplikovan\u00fd \u00faraz, p\u0159\u00edpadn\u011b se u v\u00e1s projevila v\u00e1\u017en\u011bj\u0161\u00ed nemoc. Poji\u0161t\u011bn\u00ed si sjednat m\u016f\u017eete, ale <strong>doporu\u010dujeme poji\u0161\u0165ovnu o v\u0161em informovat<\/strong>. V\u010detn\u011b p\u0159ede\u0161l\u00fdch nemoc\u00ed a \u00faraz\u016f. M\u016f\u017ee se st\u00e1t, \u017ee v\u00e1s nepojist\u00ed, d\u00e1 v\u00e1m p\u0159ir\u00e1\u017eku nebo individu\u00e1ln\u00ed v\u00fdluku. Je to v\u0161ak lep\u0161\u00ed ne\u017e nic ne\u0159\u00edct a zjistit to a\u017e p\u0159i pojistn\u00e9 ud\u00e1losti, kdy v\u00e1m poji\u0161\u0165ovna odm\u00edtne plnit.&nbsp;<\/p>\n\n\n\n<p>A posledn\u00ed p\u0159\u00edklad: p\u0159i fotbalov\u00e9m z\u00e1pasu mi oteklo koleno a mn\u011b je jasn\u00e9, \u017ee l\u00e9\u010den\u00ed bude na del\u0161\u00ed dobu. Tak se honem pojist\u00edm, aby z toho n\u011bco k\u00e1plo. Kv\u016fli t\u011bmto p\u0159\u00edpad\u016fm poji\u0161\u0165ovny uplat\u0148uj\u00ed na za\u010d\u00e1tku ka\u017ed\u00e9ho poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti tzv. \u010dekac\u00ed dobu. Ta je <strong>chr\u00e1n\u00ed p\u0159ed chytr\u00e1ky, kte\u0159\u00ed se poji\u0161\u0165uj\u00ed \u00fa\u010delov\u011b<\/strong>. \u010cekac\u00ed doba m\u016f\u017ee trvat p\u00e1r m\u011bs\u00edc\u016f, n\u011bkdy i roky&nbsp;\u2013 podle poji\u0161\u0165ovny a podle nemoci.&nbsp;<\/p>\n\n\n\n<p>Pokud pojistn\u00e1 ud\u00e1lost nastane v \u010dekac\u00ed dob\u011b, poji\u0161\u0165ovna za ni <strong>nebude plnit<\/strong>. Neplat\u00ed to v\u0161ak pro \u010derstv\u00e9 \u00farazy. V pojistn\u00fdch podm\u00ednk\u00e1ch si ka\u017edop\u00e1dn\u011b v\u017edycky zjist\u011bte, kter\u00e9 nemoci maj\u00ed jak dlouhou \u010dekac\u00ed dobu. U t\u011bch b\u011b\u017en\u00fdch to b\u00fdvaj\u00ed dva nebo t\u0159i m\u011bs\u00edce, u nemoc\u00ed souvisej\u00edc\u00edch s t\u011bhotenstv\u00edm i rok.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti od 1. dne: ano, nebo ne?<\/h2>\n\n\n\n<p>U poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti se m\u016f\u017eete setkat s pojmem spolu\u00fa\u010dast. Tady v\u0161ak nem\u00e1 podobu finan\u010dn\u00ed \u010d\u00e1stky, ale <strong>doby, po kterou nebudete dost\u00e1vat denn\u00ed d\u00e1vky<\/strong>. Nap\u0159\u00edklad u poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti od 30. dne je va\u0161e spolu\u00fa\u010dast 29 dn\u016f od po\u010d\u00e1tku pracovn\u00ed neschopnosti. Od t\u0159ic\u00e1t\u00e9ho dne budete dost\u00e1vat pen\u00edze. Poji\u0161\u0165ovny tuto spolu\u00fa\u010dast naz\u00fdvaj\u00ed karen\u010dn\u00ed doba.<\/p>\n\n\n\n<p><strong>\u010c\u00edm del\u0161\u00ed je karen\u010dn\u00ed doba, t\u00edm levn\u011bj\u0161\u00ed je pojistn\u00e9.<\/strong> Na \u010desk\u00e9m trhu se d\u00e1 sjednat poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti s r\u016fznou karen\u010dn\u00ed dobou, nap\u0159\u00edklad 15, 29, 57, 59, 61 nebo 62 dn\u00ed. Ale je i spousta dal\u0161\u00edch variant. N\u011bkter\u00e9 poji\u0161\u0165ovny dokonce umo\u017e\u0148uj\u00ed sjednat poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti se zp\u011btn\u00fdm pln\u011bn\u00edm (pen\u00edze dostanete zp\u011btn\u011b od prvn\u00edho dne). Po\u010d\u00edtejte v\u0161ak s vy\u0161\u0161\u00ed cenou pojistn\u00e9ho.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><em>U Mutumutu si m\u016f\u017eete vybrat mezi 30 a 60 dny. Zkuste si v p\u00e1r jednoduch\u00fdch kroc\u00edch nasimulovat, na kolik by v\u00e1s toto \u017eivotn\u00ed poji\u0161t\u011bn\u00ed vy\u0161lo.<\/em><\/p>\n\n\n\n<p class=\"has-text-align-center\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/mutumutu.cz\/kalkulacka\/uvod\/uvod'>Spo\u010d\u00edtat pojistn\u00e9<\/a><\/div><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kdy a jak ozn\u00e1mit pojistnou ud\u00e1lost?<\/h2>\n\n\n\n<p>Co nejd\u0159\u00edv po uplynut\u00ed doby, kterou jste stanovili pro svou spolu\u00fa\u010dast. M\u00e1te-li sjednan\u00e9 poji\u0161t\u011bn\u00ed p\u0159i pracovn\u00ed neschopnosti od 30. dne, oznamte pojistnou ud\u00e1lost t\u0159ic\u00e1t\u00fd den, kdy nepracujete. M\u016f\u017eete to ud\u011blat i d\u0159\u00edv, ale z l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy mus\u00ed b\u00fdt jasn\u00e9, \u017ee se budete l\u00e9\u010dit d\u00e9le ne\u017e t\u011bch t\u0159icet dn\u016f. Po\u017eadavky pro nahl\u00e1\u0161en\u00ed se v jednotliv\u00fdch poji\u0161\u0165ovn\u00e1ch dost li\u0161\u00ed, tak\u017ee je dobr\u00e9 si tuto <strong>lh\u016ftu hned na za\u010d\u00e1tku neschopenky v poji\u0161\u0165ovn\u011b ov\u011b\u0159it<\/strong>.<\/p>\n\n\n\n<p>D\u00edky eNeschopence u\u017e nemus\u00edte zam\u011bstnavateli p\u0159edkl\u00e1dat barevn\u00e9 pap\u00edrky \u2013 doklady o pracovn\u00ed neschopnosti. L\u00e9ka\u0159 v\u0161e vypln\u00ed elektronicky, jak pro st\u00e1tn\u00ed spr\u00e1vu, tak pro zam\u011bstnavatele. Nicm\u00e9n\u011b pro pot\u0159eby poji\u0161\u0165ovny si od n\u011bj budete muset <strong>obstarat raz\u00edtko na formul\u00e1\u0159 hl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti<\/strong>. \u0158\u00edct si o n\u011bj mus\u00ed zam\u011bstnanci i OSV\u010c.&nbsp;<\/p>\n\n\n\n<p>Formul\u00e1\u0159 v\u00e1m poji\u0161\u0165ovna za\u0161le spolu s instrukcemi, jak ud\u00e1lost ozn\u00e1mit. V p\u0159\u00edpad\u011b nemoci <strong>prozkoum\u00e1 va\u0161i zdravotn\u00ed dokumentaci<\/strong> \u2013 v\u00fdpis si vy\u017e\u00e1d\u00e1 u va\u0161eho o\u0161et\u0159uj\u00edc\u00edho l\u00e9ka\u0159e. T\u00edm se \u0161et\u0159en\u00ed pojistn\u00e9 ud\u00e1losti \u010dasto zdr\u017e\u00ed. Po\u010d\u00edtejte s t\u00edm, \u017ee to p\u00e1r dn\u00ed zabere. P\u0159i del\u0161\u00ed neschopence v\u00e1s m\u016f\u017ee poji\u0161\u0165ovna po\u017e\u00e1dat, abyste se podrobili prohl\u00eddce u jej\u00edho smluvn\u00edho l\u00e9ka\u0159e.<\/p>\n\n\n\n<p>D\u00e1le <strong>bude zkoumat v\u00e1\u0161 p\u0159\u00edjem<\/strong>. Zam\u011bstnanci p\u0159edkl\u00e1daj\u00ed potvrzen\u00ed o v\u00fd\u0161i p\u0159\u00edjmu od zam\u011bstnavatele, OSV\u010c svoje posledn\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed. V\u00fdpo\u010det \u010dist\u00e9ho p\u0159\u00edjmu pro OSV\u010c stanovuje ka\u017ed\u00e1 poji\u0161\u0165ovna jinak a najdete ho popsan\u00fd v pojistn\u00fdch podm\u00ednk\u00e1ch.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kdy dostanete pen\u00edze z poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti a kolik to bude<\/h2>\n\n\n\n<p>Pojistn\u00e9 pln\u011bn\u00ed <strong>poji\u0161\u0165ovny vypl\u00e1cej\u00ed r\u016fzn\u011b<\/strong>. N\u011bkde ho dostanete cel\u00e9 najednou a\u017e pot\u00e9, co va\u0161e pracovn\u00ed neschopnost skon\u010d\u00ed. Jinde v\u00e1m umo\u017en\u00ed pr\u016fb\u011b\u017en\u011b po\u017e\u00e1dat o z\u00e1lohov\u00e9 pln\u011bn\u00ed. A dal\u0161\u00ed vypl\u00e1cej\u00ed pravideln\u011b ka\u017ed\u00fd m\u011bs\u00edc. D\u011bl\u00e1me to tak i v Mutumutu, proto\u017ee ch\u00e1peme, \u017ee n\u00e1jem, z\u00e1lohy na slu\u017eby a r\u016fzn\u00e9 spl\u00e1tky mus\u00edte platit, i kdy\u017e jste marod.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sjednejte si poji\u0161t\u011bn\u00ed, aby nemoc nevyluxovala v\u00e1\u0161 rozpo\u010det<\/h2>\n\n\n\n<p>Pokud nem\u00e1te rezervu, v\u00e1\u0161 rodinn\u00fd rozpo\u010det je vy\u0161ponovan\u00fd p\u0159esn\u011b na p\u0159\u00edjmy cel\u00e9 rodiny nebo jste OSV\u010c bez dobrovoln\u00e9ho nemocensk\u00e9ho poji\u0161t\u011bn\u00ed, m\u011bli byste poji\u0161t\u011bn\u00ed dlouhodob\u00e9 pracovn\u00ed neschopnosti opravdu zv\u00e1\u017eit. Na rozd\u00edl od zm\u00edn\u011bn\u00e9ho kolegy pak nebudete muset do pr\u00e1ce s nedol\u00e9\u010denou nemoc\u00ed nebo t\u0159eba s rukou v s\u00e1d\u0159e. A z\u00edsk\u00e1te n\u011bco dost cenn\u00e9ho: \u010das na \u00faplnou rekonvalescenci.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><em>Zva\u017eujete, \u017ee si poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti sjedn\u00e1te, ale chcete se poradit? Nebo ho u\u017e m\u00e1te sjednan\u00e9 v r\u00e1mci sv\u00e9 \u017eivotn\u00ed pojistky a nev\u00edte, jestli spr\u00e1vn\u011b? R\u00e1di v\u00e1m to zdarma zkontrolujeme.<\/em><\/p>\n\n\n\n<p class=\"has-text-align-center\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/mutumutu.cz\/kontakty'>Kontaktujte n\u00e1s<\/a><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mo\u017en\u00e1 jste tak\u00e9 byli sv\u011bdky situace, kdy n\u011bkdo z va\u0161ich koleg\u016f p\u0159i\u0161el do pr\u00e1ce marod. I kdy\u017e takov\u00e9 jedn\u00e1n\u00ed pova\u017eujeme za bezohlednost, pro \u0159adu lid\u00ed m\u016f\u017ee j\u00edt o jedin\u00e9 \u0159e\u0161en\u00ed, jak si zachovat p\u0159\u00edjem a ust\u00e1t finan\u010dn\u00ed z\u00e1vazky. Proto je d\u016fle\u017eit\u00e9 m\u00edt v r\u00e1mci \u017eivotka poji\u0161t\u011bn\u00e9 situace, kdy je ohro\u017een v\u00e1\u0161 p\u0159\u00edjem, pota\u017emo p\u0159\u00edjem va\u0161\u00ed  &#8230;<\/p>\n","protected":false},"author":49,"featured_media":5006,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,30],"tags":[352,457,216],"class_list":["post-4157","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-zdravi","tag-pojisteni-pracovni-neschopnosti","tag-vse-o-pojisteni","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts\/4157","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/comments?post=4157"}],"version-history":[{"count":35,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts\/4157\/revisions"}],"predecessor-version":[{"id":5649,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts\/4157\/revisions\/5649"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/media\/5006"}],"wp:attachment":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/media?parent=4157"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/categories?post=4157"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/tags?post=4157"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}