{"id":6167,"date":"2025-07-10T12:53:59","date_gmt":"2025-07-10T10:53:59","guid":{"rendered":"https:\/\/www.wuestenrot.sk\/?post_type=tlacova-sprava&p=6167"},"modified":"2025-07-10T12:53:59","modified_gmt":"2025-07-10T10:53:59","slug":"urazy-predstavuju-az-43-vsetkych-poistnych-udalosti-v-zivotnom-poisteni","status":"publish","type":"tlacova-sprava","link":"https:\/\/www.wuestenrot.sk\/tlacova-sprava\/urazy-predstavuju-az-43-vsetkych-poistnych-udalosti-v-zivotnom-poisteni\/","title":{"rendered":"\u00darazy predstavuj\u00fa a\u017e 43 % v\u0161etk\u00fdch poistn\u00fdch udalost\u00ed v \u017eivotnom poisten\u00ed"},"content":{"rendered":"

Leto je obdob\u00edm slnka, vo\u013enosti a dobrodru\u017estiev \u2013 od v\u00fdletov do pr\u00edrody, pobytov pri vode a\u017e po pr\u00e1ce v z\u00e1hrade. Pr\u00e1ve po\u010das t\u00fdchto bezstarostn\u00fdch dn\u00ed v\u0161ak narast\u00e1 po\u010det \u00farazov. Mnoh\u00e9 si vy\u017eaduj\u00fa lek\u00e1rsku pomoc, niektor\u00e9 dokonca hospitaliz\u00e1ciu. Aj preto zohr\u00e1va \u017eivotn\u00e9 poistenie v\u00a0t\u00fdchto chv\u00ed\u013each d\u00f4le\u017eit\u00fa \u00falohu. <\/em><\/strong><\/p>\n

\u00a0<\/em><\/strong><\/p>\n

\u00darazy prib\u00fadaj\u00fa najm\u00e4 po\u010das leta<\/strong><\/p>\n

Pod\u013ea \u00fadajov pois\u0165ovne W\u00fcstenrot tvorili \u00farazy v\u00a0uplynul\u00fdch dvoch rokoch a\u017e 43 % v\u0161etk\u00fdch poistn\u00fdch udalost\u00ed v r\u00e1mci \u017eivotn\u00e9ho poistenia. Tento \u00fadaj jasne ukazuje, \u017ee riziko zranen\u00ed je \u010doraz re\u00e1lnej\u0161ie \u2013 a to najm\u00e4 po\u010das letn\u00fdch mesiacov, ke\u010f tr\u00e1vime viac \u010dasu mimo domova.<\/p>\n

\u00a0<\/em>\u201ePribli\u017ene p\u00e4tina v\u0161etk\u00fdch \u00farazov vznik\u00e1 pri vo\u013eno\u010dasov\u00fdch aktivit\u00e1ch. Nemus\u00ed pritom \u00eds\u0165 v\u00fdlu\u010dne o \u0161port \u2013 \u00farazy sa st\u00e1vaj\u00fa aj po\u010das v\u00fdletov, rodinn\u00fdch prech\u00e1dzok, pobytu pri vode \u010di hr\u00e1ch v pr\u00edrode. Ani dom\u00e1ce prostredie nie je v\u00fdnimkou. V 14 % pr\u00edpadov doch\u00e1dza k \u00farazom priamo v\u00a0dom\u00e1cnosti. Sta\u010d\u00ed sekunda nepozornosti a pokojn\u00fd de\u0148 sa m\u00f4\u017ee zmeni\u0165 na n\u00e1v\u0161tevu pohotovosti,\u201c<\/em> informuje Jana Kuchtov\u00e1,\u00a0 riadite\u013eka \u00faseku underwritingu a\u00a0likvid\u00e1cie z\u00a0pois\u0165ovne W\u00fcstenrot.<\/p>\n

\u00a0<\/strong>Deti s\u00fa najzranite\u013enej\u0161ou skupinou<\/strong><\/p>\n

Deti s\u00fa prirodzene akt\u00edvne a zvedav\u00e9, no len zriedka dok\u00e1\u017eu predv\u00edda\u0165 riziko a\u00a0n\u00e1sledky svojho spr\u00e1vania. A hoci detstvo m\u00e1 by\u0165 najm\u00e4 o radosti a objavovan\u00ed, pr\u00e1ve v\u00a0tomto obdob\u00ed s\u00fa deti \u010dasto vystaven\u00e9 situ\u00e1ci\u00e1m, ktor\u00e9 m\u00f4\u017eu skon\u010di\u0165 \u00farazom. \u201e\u00darazy predstavuj\u00fa a\u017e 69 % v\u0161etk\u00fdch poistn\u00fdch udalost\u00ed t\u00fdkaj\u00facich sa det\u00ed – najm\u00e4 vyk\u013abenia, pomlia\u017edeniny, vyvrtnutia, natiahnutia \u0161liach \u010di roztrhnutia v\u00e4zov. V takmer 17 % pr\u00edpadov boli detsk\u00e9 \u00farazy nato\u013eko v\u00e1\u017ene, \u017ee si vy\u017eiadali hospitaliz\u00e1ciu,\u201c<\/em> dop\u013a\u0148a J. Kuchtov\u00e1.<\/p>\n

Nov\u00e9 bal\u00edky poistenia reflektuj\u00fa realitu <\/strong><\/p>\n

\u0160tandardne v\u00a0r\u00e1mci \u017eivotn\u00e9ho poistenia poskytuje na\u0161a pois\u0165ov\u0148a rodi\u010dom benefit vo forme poistenia det\u00ed k\u00a0poisteniu rodi\u010dov bez pr\u00edplatku. Tento benefit m\u00f4\u017ee by\u0165 v kritickej chv\u00edli rozhoduj\u00faci. D\u00f4kazom je pr\u00edpad 15-ro\u010dn\u00e9ho chlapca, ktor\u00fd sa stal \u00fa\u010dastn\u00edkom dopravnej nehody \u2013 v\u0161etky poistn\u00e9 plnenia mu boli vyplaten\u00e9 pr\u00e1ve z krytia spolupoisten\u00fdch det\u00ed v zmluve jeho rodi\u010dov. Za trval\u00e9 n\u00e1sledky, dobu lie\u010denia a hospitaliz\u00e1ciu pois\u0165ov\u0148a jeho z\u00e1konn\u00fdm z\u00e1stupcom vyplatila viac ako 45 000 eur.<\/p>\n

\u201ePre t\u00fdch, ktor\u00ed chc\u00fa e\u0161te komplexnej\u0161ie krytie pre svoje deti, sme roz\u0161\u00edrili ponuku o nov\u00fd Detsk\u00fd bal\u00edk \u2013 navrhnut\u00fd tak, aby chr\u00e1nil deti v situ\u00e1ci\u00e1ch, ktor\u00e9 m\u00f4\u017eu naru\u0161i\u0165 ich pohodu a ovplyvni\u0165 ka\u017edodenn\u00fd chod celej rodiny. Dospel\u00ed klienti, ale aj deti m\u00f4\u017eu vyu\u017ei\u0165 aj \u00darazov\u00fd bal\u00edk, ktor\u00fd si prisp\u00f4sobia pod\u013ea vlastn\u00fdch potrieb, preferenci\u00ed a aktu\u00e1lnej \u017eivotnej situ\u00e1cie,\u201c<\/em> dod\u00e1va P. Klimko, riadite\u013e \u00faseku v\u00fdvoja produktov pois\u0165ovne W\u00fcstenrot.<\/p>\n

\u00a0<\/strong>\u00a0<\/strong>P\u00e1dy \u2013 naj\u010dastej\u0161ia pr\u00ed\u010dina \u00farazov<\/strong><\/p>\n

A\u017e 41,5 % \u00farazov vznik\u00e1 v d\u00f4sledku p\u00e1du. Nevhodn\u00e1 obuv, klzk\u00fd povrch, \u010di oby\u010dajn\u00e1 nepozornos\u0165 \u2013 to v\u0161etko m\u00f4\u017ee vies\u0165 k\u00a0z\u00e1va\u017en\u00fdm zdravotn\u00fdm komplik\u00e1ci\u00e1m. \u201eAj ke\u010f ide \u010dasto o zdanlivo ban\u00e1lne situ\u00e1cie, n\u00e1sledky m\u00f4\u017eu by\u0165 v\u00e1\u017ene \u2013 od kr\u00e1tkodobej pr\u00e1ceneschopnosti a\u017e po dlhodob\u00e9 zdravotn\u00e9 obmedzenia,\u201c<\/em> upozor\u0148uje P. Klimko. P\u00e1d nemus\u00ed znamena\u0165 len modrinu \u2013 niekedy je to za\u010diatok dlhej rekonvalescencie, v\u00fdpadku pr\u00edjmu \u010di starostlivosti o\u00a0\u010dlena rodiny. V\u00a0t\u00fdchto pr\u00edpadoch je \u017eivotn\u00e9 poistenie oporou, ktor\u00e9 pom\u00e1ha zmierni\u0165 finan\u010dn\u00e9 dopady a udr\u017ea\u0165 rodinn\u00fd rozpo\u010det v stabilite.<\/p>\n","protected":false},"featured_media":0,"template":"","acf":[],"_links":{"self":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/tlacova-sprava\/6167"}],"collection":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/tlacova-sprava"}],"about":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/types\/tlacova-sprava"}],"wp:attachment":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/media?parent=6167"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}