{"id":5256,"date":"2023-10-10T17:00:55","date_gmt":"2023-10-10T15:00:55","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5256"},"modified":"2026-06-11T12:16:06","modified_gmt":"2026-06-11T10:16:06","slug":"zivotni-pojisteni-psychicke-nemoci","status":"publish","type":"post","link":"https:\/\/mutumutu.cz\/blog\/zivotni-pojisteni-psychicke-nemoci\/","title":{"rendered":"Je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed i pro lidi s psychick\u00fdmi nemocemi?"},"content":{"rendered":"\n<p><strong>\u201eM\u00e1m n\u011bjakou depku.\u201c Jedna z \u010dast\u00fdch odpov\u011bd\u00ed, kter\u00e9 sl\u00fdch\u00e1me na ot\u00e1zku: \u201eJak se m\u00e1\u0161?\u201c V\u011bt\u0161inou se to mysl\u00ed nadnesen\u011b \u2013 deprese toti\u017e pat\u0159\u00ed do skupiny psychiatrick\u00fdch poruch, stejn\u011b jako alzheimer, schizofrenie, vaskul\u00e1rn\u00ed demence n\u00e1sledkem infarktu a mnoho dal\u0161\u00edch. Tyto du\u0161evn\u00ed poruchy tr\u00e1p\u00ed podle ministerstva zdravotnictv\u00ed <\/strong><a href=\"https:\/\/www.nzip.cz\/infografika-dusevni-onemocneni-v-cesku\"><strong>v\u00edce ne\u017e 10 % \u010cech\u016f<\/strong><\/a><strong>. Myln\u00e1 je v\u0161ak p\u0159edstava, \u017ee psychick\u00e9 nemoci jsou p\u0159ek\u00e1\u017ekou v poji\u0161t\u011bn\u00ed.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pro\u010d a jak vyplnit zdravotn\u00ed dotazn\u00edk<\/h2>\n\n\n\n<p>P\u0159ed sjedn\u00e1n\u00edm havarijn\u00edho poji\u0161t\u011bn\u00ed mus\u00edte zaslat fotografie va\u0161eho auta. To proto, aby poji\u0161\u0165ovna nepojistila bouran\u00e9 auto jako nikdy nebouran\u00e9, ale <strong>zkr\u00e1tka podle jeho aktu\u00e1ln\u00edho stavu<\/strong>. Podobn\u011b to d\u011blaj\u00ed i poji\u0161\u0165ovny u <a href=\"https:\/\/mutumutu.cz\/\">\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a>, jen m\u00edsto zas\u00edl\u00e1n\u00ed fotografi\u00ed vypl\u0148ujete zdravotn\u00ed dotazn\u00edk. V n\u011bm se poji\u0161\u0165ovny ptaj\u00ed na va\u0161e fyzick\u00e9 i psychick\u00e9 zdrav\u00ed. Zaj\u00edm\u00e1 je<strong> nejen v\u00e1\u0161 sou\u010dasn\u00fd stav, ale v\u0161echny va\u0161e nemoci v obdob\u00ed p\u0159ed p\u011bti a\u017e deseti lety<\/strong>. I ty vyl\u00e9\u010den\u00e9.<\/p>\n\n\n\n<p>Uv\u00e9st, \u017ee se l\u00e9\u010d\u00ed s vysok\u00fdm tlakem, ned\u011bl\u00e1 lidem probl\u00e9my. Ale napsat, \u017ee se pot\u00fdkaj\u00ed s depresemi nebo \u00fazkostmi \u2013 to st\u00e1le je\u0161t\u011b ud\u011bl\u00e1 m\u00e1lokdo. Mnoho lid\u00ed se c\u00edt\u00ed nejist\u011b a <strong>nechce jakoukoli du\u0161evn\u00ed poruchu v zdravotn\u00edm dotazn\u00edku pro poji\u0161\u0165ovnu p\u0159iznat<\/strong>. T\u00edm ale \u0161kod\u00ed pouze sami sob\u011b.<\/p>\n\n\n\n<p>Kdy\u017e poji\u0161\u0165ovna zjist\u00ed zatajen\u00e9 informace a\u017e v r\u00e1mci \u0161et\u0159en\u00ed pojistn\u00e9 ud\u00e1losti, m\u016f\u017ee v\u00e1m <strong>odm\u00edtnout vyplatit pojistn\u00e9 pln\u011bn\u00ed<\/strong>. Nebo dokonce va\u0161i smlouvu ukon\u010dit. V takov\u00e9m p\u0159\u00edpad\u011b byste z\u016fstali nejen bez pen\u011bz z poji\u0161t\u011bn\u00ed, ale nav\u00edc byste si poji\u0161t\u011bn\u00ed cel\u00e1 ta l\u00e9ta <strong>platili \u00fapln\u011b zbyte\u010dn\u011b<\/strong>. Bu\u010fte proto up\u0159\u00edmn\u00ed a nebojte se, nikdo v\u00e1s soudit nebude.<\/p>\n\n\n\n<p><strong>V dotazn\u00edku poctiv\u011b vypl\u0148te:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>v\u0161echny nemoci, se kter\u00fdmi jste se l\u00e9\u010dili nebo je jen konzultovali s l\u00e9ka\u0159em;\u00a0<\/li>\n\n\n\n<li>v\u0161echny l\u00e9ky, kter\u00e9 jste u\u017e\u00edvali, i kdyby jen kr\u00e1tkodob\u011b;<\/li>\n\n\n\n<li>zda se s nemoc\u00ed st\u00e1le l\u00e9\u010d\u00edte.\u00a0<\/li>\n<\/ul>\n\n\n\n<p><strong>Nezatajujte nic.<\/strong> I kdybyste m\u011bli dojem, \u017ee to nen\u00ed podstatn\u00e9. Rad\u011bji v\u00edce ne\u017e m\u00e9n\u011b. Nestane se pak v budoucnu, \u017ee z va\u0161\u00ed zdravotn\u00ed karty poji\u0161\u0165ovna zjist\u00ed nov\u00e9 skute\u010dnosti, kv\u016fli kter\u00fdm odm\u00edtne vyplatit pen\u00edze, kdy\u017e je budete pot\u0159ebovat.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><em>Pojist\u011bte se online, a\u0165 nemus\u00edte s&nbsp;nik\u00fdm prob\u00edrat sv\u016fj zdravotn\u00ed stav. Mutumutu poji\u0161t\u011bn\u00ed sjedn\u00e1te sami v&nbsp;klidu,&nbsp;v soukrom\u00ed domova, a to v\u010detn\u011b zdravotn\u00edho dotazn\u00edku, kter\u00fd vypln\u00edte beze sv\u011bdk\u016f.<\/em><\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/mutumutu.cz\/kalkulacka\/uvod\/uvod\"><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 poji\u0161t\u011bn\u00ed<\/a><\/div><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak du\u0161evn\u00ed nemoci ovliv\u0148uj\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p>Poji\u0161\u0165ovna posuzuje ka\u017ed\u00e9ho z\u00e1kazn\u00edka <strong>individu\u00e1ln\u011b podle informac\u00ed<\/strong>, kter\u00e9 uvedl v dotazn\u00edku. V n\u011bkter\u00fdch p\u0159\u00edpadech se spokoj\u00ed s uveden\u00fdmi informacemi. U v\u00e1\u017en\u011bj\u0161\u00edch nebo d\u00e9letrvaj\u00edc\u00edch nemoc\u00ed <strong>m\u016f\u017ee po\u017eadovat zdravotn\u00ed dokumentaci<\/strong> od va\u0161eho o\u0161et\u0159uj\u00edc\u00edho l\u00e9ka\u0159e \u010di l\u00e9ka\u0159skou prohl\u00eddku u smluvn\u00edho l\u00e9ka\u0159e poji\u0161\u0165ovny.&nbsp;<\/p>\n\n\n\n<p>Jakmile m\u00e1 poji\u0161\u0165ovna v\u0161echny pot\u0159ebn\u00e9 informace o va\u0161\u00ed zdravotn\u00ed historii, <strong>posoud\u00ed je a<\/strong> po vyhodnocen\u00ed m\u016f\u017ee b\u00fdt odpov\u011b\u010f poji\u0161\u0165ovny n\u00e1sleduj\u00edc\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Va\u0161i smlouvu <strong>akceptuje beze zm\u011bn<\/strong> a v takov\u00e9 form\u011b, jak jste si p\u0159\u00e1li b\u00fdt poji\u0161t\u011bni. Na va\u0161e \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se pak vztahuj\u00ed standardn\u00ed v\u00fdluky uveden\u00e9 v pojistn\u00fdch podm\u00ednk\u00e1ch.<\/li>\n\n\n\n<li>Kv\u016fli zv\u00fd\u0161en\u00e9mu riziku v\u00e1m poji\u0161\u0165ovna <strong>navrhne individu\u00e1ln\u00ed v\u00fdluku<\/strong> na konkr\u00e9tn\u00ed nemoc nebo konkr\u00e9tn\u00ed pojistn\u00e9 riziko. Nap\u0159\u00edklad pokud jste byli v posledn\u00edch letech opakovan\u011b v dlouhodob\u00e9 pracovn\u00ed neschopnosti kv\u016fli <a href=\"https:\/\/mutumutu.cz\/blog\/2019\/05\/06\/pojisteni-psychickych-nemoci-vcetne-vyhoreni\/\">syndromu vyho\u0159en\u00ed<\/a>, m\u016f\u017ee poji\u0161\u0165ovna stanovit, \u017ee v p\u0159\u00edpad\u011b opakov\u00e1n\u00ed tohoto onemocn\u011bn\u00ed v\u00e1m pojistn\u00e9 pln\u011bn\u00ed u\u017e nevyplat\u00ed. Krom\u011b individu\u00e1ln\u00ed v\u00fdluky m\u016f\u017ee poji\u0161\u0165ovna tak\u00e9 <strong>stanovit p\u0159ir\u00e1\u017eku na pojistn\u00e9m<\/strong> za n\u011bkter\u00e1 pojistn\u00e1 rizika, hlavn\u011b <a href=\"https:\/\/mutumutu.cz\/pojisteni-pracovni-neschopnosti\">pracovn\u00ed neschopnost<\/a> a <a href=\"https:\/\/mutumutu.cz\/pojisteni-invalidity\">invaliditu<\/a>.<\/li>\n\n\n\n<li>V n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee va\u0161i <strong>smlouvu zam\u00edtnout<\/strong> a nep\u0159ijmout v\u00e1s tak do poji\u0161t\u011bn\u00ed. V takov\u00e9m p\u0159\u00edpad\u011b m\u016f\u017eete zkusit jinou poji\u0161\u0165ovnu, proto\u017ee podm\u00ednky schvalov\u00e1n\u00ed smluv se mohou li\u0161it.<\/li>\n<\/ul>\n\n\n\n<p>Kdy\u017e chyt\u00edte vir\u00f3zu, onemocn\u00edte. Kdy\u017e si zlom\u00edte nohu, nem\u016f\u017eete chodit do pr\u00e1ce. Jasn\u00e1 <strong>p\u0159\u00ed\u010dina i n\u00e1sledek<\/strong>. Ale psychick\u00e9 nemoci jako <a href=\"https:\/\/mutumutu.cz\/blog\/2024\/08\/26\/stresy-a-dusevni-choroby-zivotni-pojisteni-mutumutu-pomuze\/\">\u00fazkost, panick\u00e9 ataky nebo deprese<\/a> nejsou jako jin\u00e9 nemoci, kter\u00e9 maj\u00ed jasnou p\u0159\u00ed\u010dinu vzniku a <strong>z\u0159ejm\u00fd projev navenek<\/strong>. Proto je Mezin\u00e1rodn\u00ed klasifikace nemoc\u00ed tak\u00e9 naz\u00fdv\u00e1 du\u0161evn\u00edmi poruchami a jejich diagn\u00f3zy ozna\u010duje \u010d\u00edseln\u00fdmi k\u00f3dy F00 \u2013 F99.&nbsp;<\/p>\n\n\n\n<p>Mnoho \u017eivotn\u00edch poji\u0161t\u011bn\u00ed <strong>kryje pouze jasn\u011b prokazateln\u00e9 diagn\u00f3zy<\/strong>, u nich\u017e se lze op\u0159\u00edt o v\u00fdsledek vy\u0161et\u0159en\u00ed, jako je CT nebo magnetick\u00e1 rezonance mozku. Dle podm\u00ednek poji\u0161t\u011bn\u00ed nej\u010dast\u011bji pln\u00ed za diagn\u00f3zy F00 \u2013 F09 (organick\u00e9 du\u0161evn\u00ed poruchy) a F20 \u2013 F29 (schizofrenie, poruchy schizotyp\u00e1ln\u00ed a poruchy s bludy). <strong>Ostatn\u00ed diagn\u00f3zy jsou \u010dasto ve v\u00fdluk\u00e1ch<\/strong>, a to p\u0159edev\u0161\u00edm u pracovn\u00ed neschopnosti a invalidity 1. stupn\u011b.<\/p>\n\n\n\n<p><a href=\"https:\/\/mutumutu.cz\/co-pojistujeme\">Mutumutu \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a> <strong>du\u0161evn\u00ed poruchy ve v\u00fdluk\u00e1ch nem\u00e1<\/strong>. Ani pro poji\u0161t\u011bn\u00ed invalidity, ani pro poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti. Vztahuj\u00ed se v\u0161ak na n\u011b na\u0161e ostatn\u00ed v\u00fdluky. Tak\u017ee pokud holdujete alkoholu nebo drog\u00e1m, kter\u00e9 budou p\u0159\u00ed\u010dinou vzniku n\u011bkter\u00e9 du\u0161evn\u00ed poruchy, ani Mutumutu nic nevyplat\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pracovn\u00ed neschopnost z psychick\u00fdch d\u016fvod\u016f<\/h2>\n\n\n\n<p>Do\u010dasn\u00e1 pracovn\u00ed neschopnost z d\u016fvodu du\u0161evn\u00edch poruch v \u010cesk\u00e9 republice funguje v r\u00e1mci stejn\u00e9ho syst\u00e9mu nemocensk\u00e9ho poji\u0161t\u011bn\u00ed jako u jin\u00fdch nemoc\u00ed a \u00faraz\u016f. Jak tedy funguje nap\u0159\u00edklad <strong>deprese a pracovn\u00ed neschopnost<\/strong>? L\u00e9ka\u0159, a\u0165 u\u017e praktik, nebo psychiatr, posoud\u00ed, zda v\u00e1m v\u00e1\u0161 stav opravdu neumo\u017e\u0148uje vykon\u00e1vat va\u0161i pr\u00e1ci. Pokud usoud\u00ed, \u017ee tomu tak je, vystav\u00ed neschopenku a pak u\u017e v\u0161e <strong>pob\u011b\u017e\u00ed stejn\u011b, jako kdybyste m\u011bli ch\u0159ipku<\/strong>, \u017eloutenku nebo t\u0159eba zlomenou ruku.<\/p>\n\n\n\n<p>Statistiky \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed ukazuj\u00ed, \u017ee du\u0161evn\u00ed nemoci <a href=\"https:\/\/www.cssz.cz\/documents\/20143\/2955433\/4%20%C4%8CR%20EPN%20rok%202025%20pohdg.pdf\/566a0418-c8c6-15d5-0b2a-1269e39c70a7\">v roce 2025 p\u0159edstavovaly<\/a> p\u0159ibli\u017en\u011b 2,7 % ukon\u010den\u00fdch p\u0159\u00edpad\u016f do\u010dasn\u00e9 pracovn\u00ed neschopnosti, ale zhruba 6,5 % v\u0161ech prostonan\u00fdch dn\u016f. Pr\u016fm\u011brn\u00e9 <strong>trv\u00e1n\u00ed neschopenek kv\u016fli psychick\u00fdm probl\u00e9m\u016fm je toti\u017e v\u00fdrazn\u011b del\u0161\u00ed<\/strong> ne\u017e celkov\u00fd pr\u016fm\u011br. A z\u016fstat del\u0161\u00ed dobu se sn\u00ed\u017een\u00fdm p\u0159\u00edjmem m\u016f\u017ee leckomu zp\u016fsobit nemal\u00e9 probl\u00e9my. Pro takov\u00e9 p\u0159\u00edpady se vyplat\u00ed m\u00edt <a href=\"https:\/\/mutumutu.cz\/pojisteni-pracovni-neschopnosti\">poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/a>.<\/p>\n\n\n\n<p>V p\u0159\u00edpad\u011b pracovn\u00ed neschopnosti kv\u016fli psychick\u00fdm probl\u00e9m\u016fm v\u00e1m poji\u0161\u0165ovna v\u011bt\u0161inou<strong> vyplat\u00ed pln\u011bn\u00ed za ka\u017ed\u00fd den l\u00e9\u010den\u00ed<\/strong> po uplynut\u00ed karen\u010dn\u00ed doby. Ta trv\u00e1 m\u011bs\u00edc nebo dva od za\u010d\u00e1tku pracovn\u00ed neschopnosti \u2013 z\u00e1le\u017e\u00ed, jak jste si to nastavili v pojistn\u00e9 smlouv\u011b. Mluv\u00edme ale o stavu, kdy va\u0161e diagn\u00f3za nespad\u00e1 do v\u00fdluky.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><em>Mutumutu poji\u0161t\u011bn\u00ed poskytuje p\u0159i nemocensk\u00e9 kv\u016fli psychick\u00fdm probl\u00e9m\u016fm m\u011bs\u00ed\u010dn\u00ed rentu, kter\u00e1 v\u00e1m dorovn\u00e1 chyb\u011bj\u00edc\u00ed p\u0159\u00edjem.<\/em><\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/mutumutu.cz\/kalkulacka\/uvod\/uvod\"><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'>Sjednat Mutumutu<\/a><\/div><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Invalidita jako n\u00e1sledek du\u0161evn\u00ed poruchy<\/h2>\n\n\n\n<p>Zda v\u00e1m bude p\u0159izn\u00e1na invalidita (a jak\u00e9ho stupn\u011b), rozhodne posudkov\u00fd l\u00e9ka\u0159 Institutu pro posuzov\u00e1n\u00ed zdravotn\u00edho stavu. Posudkov\u00fd l\u00e9ka\u0159 <strong>vych\u00e1z\u00ed z kompletn\u00ed zdravotnick\u00e9 dokumentace a profesn\u00edho dotazn\u00edku<\/strong>, kter\u00fd obsahuje krom\u011b va\u0161eho subjektivn\u00edho vn\u00edm\u00e1n\u00ed zdravotn\u00edho stavu tak\u00e9 informace o va\u0161\u00ed dosavadn\u00ed kvalifikaci, pracovn\u00edch zku\u0161enostech apod. Posudkov\u00fd l\u00e9ka\u0159 nehodnot\u00ed diagn\u00f3zu jako takovou, ale pouze jej\u00ed <strong>dopad na va\u0161i pracovn\u00ed schopnost<\/strong>.<\/p>\n\n\n\n<p>Pokud v\u00e1m bude p\u0159izn\u00e1na invalidita a m\u00e1te sjednan\u00e9 jej\u00ed poji\u0161t\u011bn\u00ed, z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00edch pojistn\u00fdch podm\u00ednk\u00e1ch a sjednan\u00e9m bal\u00ed\u010dku, jak\u00e9 dostanete pln\u011bn\u00ed. <strong>U n\u011bkter\u00fdch poji\u0161\u0165oven<\/strong> <strong>dostanete jednor\u00e1zov\u00e9 pln\u011bn\u00ed<\/strong> podle toho, jakou m\u00e1te sjednanou v\u00fd\u0161i pojistn\u00e9 \u010d\u00e1stky a jak\u00fd stupe\u0148 invalidity v\u00e1m byl diagnostikov\u00e1n. Jakmile v\u00e1m poji\u0161\u0165ovna vyplat\u00ed jednor\u00e1zovou \u010d\u00e1stku za jak\u00fdkoliv stupe\u0148 invalidity, <strong>bude poji\u0161t\u011bn\u00ed invalidity tohoto a ni\u017e\u0161\u00edho stupn\u011b ukon\u010deno<\/strong>.<\/p>\n\n\n\n<p>Tak\u00e9 v invalidit\u011b vypl\u00e1c\u00ed <a href=\"https:\/\/mutumutu.cz\/\">Mutumutu poji\u0161t\u011bn\u00ed<\/a> <strong>m\u011bs\u00ed\u010dn\u00ed rentu, kter\u00e1 pokryje rozd\u00edl<\/strong> mezi va\u0161\u00edm platem a invalidn\u00edm d\u016fchodem. <strong>Z\u016fst\u00e1v\u00e1te nav\u00edc nad\u00e1le poji\u0161t\u011bni<\/strong> i na ostatn\u00ed stupn\u011b invalidity. Tak\u017ee kdy\u017e se v\u00e1\u0161 stav zlep\u0161\u00ed z druh\u00e9ho na prvn\u00ed stupe\u0148, dost\u00e1v\u00e1te i pln\u011bn\u00ed za invaliditu 1. stupn\u011b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed a sebevra\u017eda<\/h2>\n\n\n\n<p>Je to smutn\u00e9 a nechce se n\u00e1m o tom mluvit, ale psychick\u00e9 probl\u00e9my n\u011bkdy bohu\u017eel do\u017eenou \u010dlov\u011bka a\u017e k nejzaz\u0161\u00edmu kroku. V takov\u00e9 tragick\u00e9 chv\u00edli m\u016f\u017ee pojistka pomoci poz\u016fstal\u00e9 rodin\u011b s n\u00e1klady a chyb\u011bj\u00edc\u00edmi p\u0159\u00edjmy, av\u0161ak pozor <strong>na v\u00fdluku<\/strong> \u2013 pokud k sebevra\u017ed\u011b dojde v ur\u010dit\u00e9 lh\u016ft\u011b od podpisu nebo zm\u011bny smlouvy (\u010dasto jde o 2 roky), poji\u0161\u0165ovna nevyplat\u00ed ani korunu. Je to ochrana p\u0159ed t\u00edm, aby si n\u011bkdo <strong>neuzav\u0159el vysokou pojistku \u00fa\u010deln\u011b<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pojistku, kter\u00e1 kryje rizika spojen\u00e1 s psychick\u00fdmi nemocemi, neukon\u010dujte<\/h2>\n\n\n\n<p>Nab\u00eddky poji\u0161\u0165oven se m\u011bn\u00ed a vylep\u0161uj\u00ed. Mnoz\u00ed se pak mohou nechat zl\u00e1kat nab\u00eddkou nov\u00fdch rizik nebo dopl\u0148kov\u00fdch p\u0159ipoji\u0161t\u011bn\u00ed. Ale pozor, jsou p\u0159\u00edpady, kdy se v\u00e1m takov\u00e9<strong> \u201ep\u0159eb\u00edh\u00e1n\u00ed\u201c nemus\u00ed vyplatit<\/strong>. Nap\u0159\u00edklad:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pokud ji\u017e ve sv\u00e9 zdravotn\u00ed kart\u011b m\u00e1te z minulosti n\u011bjakou zm\u00ednku o l\u00e9\u010den\u00ed psychick\u00e9 poruchy a sou\u010dasn\u011b m\u00e1te \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1m p\u0159esto dan\u00e9 riziko kryje.<\/li>\n\n\n\n<li>Pokud v\u00e1m byla du\u0161evn\u00ed porucha diagnostikov\u00e1na a\u017e po sjedn\u00e1n\u00ed takov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed.<\/li>\n<\/ul>\n\n\n\n<p>Ka\u017ed\u00e9 nov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed toti\u017e znamen\u00e1 i <strong>nov\u00e9 posouzen\u00ed va\u0161eho aktu\u00e1ln\u00edho zdravotn\u00edho stavu. <\/strong>Nov\u00e1 poji\u0161\u0165ovna u\u017e by v\u00e1s tud\u00ed\u017e na danou nemoc nemusela pojistit. Proto doporu\u010dujeme poji\u0161t\u011bn\u00ed neukon\u010dovat. Nebo s ukon\u010den\u00edm po\u010dkejte na odpov\u011b\u010f nov\u00e9 poji\u0161\u0165ovny, jestli v\u00e1s pojist\u00ed s p\u0159ir\u00e1\u017ekou, v\u00fdlukou, nebo v\u016fbec.&nbsp;<\/p>\n\n\n\n<p>Pokud chcete ke sv\u00e9 st\u00e1vaj\u00edc\u00ed pojistce <strong>p\u0159idat nov\u00e1 rizika<\/strong>, po\u017e\u00e1dejte poji\u0161\u0165ovnu o zm\u011bnu dle aktu\u00e1ln\u00edch pot\u0159eb. A \u017ee poji\u0161\u0165ovna <strong>odm\u00edtla vyplatit<\/strong> za va\u0161i nemoc? Ani v takov\u00e9m p\u0159\u00edpad\u011b sv\u00e9 \u017eivotko neukon\u010dujte. Proto\u017ee i kdy\u017e nyn\u00ed poji\u0161\u0165ovna zam\u00edtla pln\u011bn\u00ed za va\u0161i bolavou nohu, <strong>p\u0159\u00ed\u0161t\u011b m\u016f\u017ee schv\u00e1lit pln\u011bn\u00ed<\/strong> za <a href=\"https:\/\/mutumutu.cz\/blog\/2021\/10\/19\/syndrom-vyhoreni-prevence\/\">syndrom vyho\u0159en\u00ed<\/a> nebo jinou nemoc. Jako u jin\u00fdch nemoc\u00ed, tak\u00e9 u du\u0161evn\u00edch poruch plat\u00ed, \u017ee <strong>nejlep\u0161\u00ed l\u00e9\u010dbou je prevence<\/strong>. P\u00e1r dobr\u00fdch p\u0159\u00e1tel, kvalitn\u00ed sp\u00e1nek a p\u0159edev\u0161\u00edm dostatek pohybu v\u00e1m pomohou ve va\u0161em psychick\u00e9m rozpolo\u017een\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-center\"><em>Mutumutu v\u00e1s <\/em><a href=\"https:\/\/mutumutu.cz\/odmena\"><em>za prevenci a pohyb odm\u011bn\u00ed<\/em><\/a><em>. A kdyby v\u00e1s p\u0159ece jen n\u011bjak\u00e9 psychick\u00e9 pot\u00ed\u017ee udolaly, Mutumutu poji\u0161t\u011bn\u00ed pom\u016f\u017ee dorovnat v\u00e1\u0161 chyb\u011bj\u00edc\u00ed p\u0159\u00edjem, zat\u00edmco se budete l\u00e9\u010dit.<\/em>&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/mutumutu.cz\/kalkulacka\/uvod\/uvod\"><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 poji\u0161t\u011bn\u00ed<\/a><\/div><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201eM\u00e1m n\u011bjakou depku.\u201c Jedna z \u010dast\u00fdch odpov\u011bd\u00ed, kter\u00e9 sl\u00fdch\u00e1me na ot\u00e1zku: \u201eJak se m\u00e1\u0161?\u201c V\u011bt\u0161inou se to mysl\u00ed nadnesen\u011b \u2013 deprese toti\u017e pat\u0159\u00ed do skupiny psychiatrick\u00fdch poruch, stejn\u011b jako alzheimer, schizofrenie, vaskul\u00e1rn\u00ed demence n\u00e1sledkem infarktu a mnoho dal\u0161\u00edch. Tyto du\u0161evn\u00ed poruchy tr\u00e1p\u00ed podle ministerstva zdravotnictv\u00ed v\u00edce ne\u017e 10 % \u010cech\u016f. Myln\u00e1 je v\u0161ak p\u0159edstava, \u017ee  &#8230;<\/p>\n","protected":false},"author":49,"featured_media":5260,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,29],"tags":[352,257,64,216],"class_list":["post-5256","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","category-pojisteni","tag-pojisteni-pracovni-neschopnosti","tag-psychicke-nemoci","tag-psychicke-problemy","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts\/5256","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=5256"}],"version-history":[{"count":9,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts\/5256\/revisions"}],"predecessor-version":[{"id":5647,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts\/5256\/revisions\/5647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/media\/5260"}],"wp:attachment":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/media?parent=5256"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/categories?post=5256"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/tags?post=5256"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}