[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.antinato.cz\/trvale-nasledky\/#Article","mainEntityOfPage":"https:\/\/www.antinato.cz\/trvale-nasledky\/","headline":"Trval\u00e9 n\u00e1sledky","name":"Trval\u00e9 n\u00e1sledky","description":"Trval\u00fd n\u00e1sledek (nej\u010dast\u011bji \u00farazu), je stav, kter\u00fd se i p\u0159es ve\u0161kerou l\u00e9\u010dbu \u010di rehabilitace, nem\u011bn\u00ed. Na prohl\u00e1\u0161en\u00ed, \u017ee se jedn\u00e1 o trval\u00e9 n\u00e1sledky, je t\u0159eba minim\u00e1ln\u011b jeden rok po skon\u010den\u00ed l\u00e9\u010dby a zdravotn\u00ed stav posti\u017een\u00e9 osoby mus\u00ed zcela bezpochybn\u011b prokazovat do\u017eivotn\u00ed trval\u00e9 n\u00e1sledky. Trval\u00e9 n\u00e1sledky jsou jeden z mnoha d\u016fvod\u016f pro\u010d se vyplat\u00ed m\u00edt sjednan\u00e9 […]","datePublished":"2021-12-31","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.antinato.cz\/author\/#Person","name":"","url":"https:\/\/www.antinato.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4eaadff62661a2c38386085c87f88f683e575f9fda122ff8560bf1208996f3c5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4eaadff62661a2c38386085c87f88f683e575f9fda122ff8560bf1208996f3c5?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"antinato.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.antinato.cz\/wp-content\/uploads\/trval%C3%A9%20n%C3%A1sledky.jpg","url":"https:\/\/www.antinato.cz\/wp-content\/uploads\/trval%C3%A9%20n%C3%A1sledky.jpg","height":0,"width":0},"url":"https:\/\/www.antinato.cz\/trvale-nasledky\/","about":["V\u00fdrobky"],"wordCount":455,"articleBody":"      Trval\u00fd n\u00e1sledek (nej\u010dast\u011bji \u00farazu), je stav, kter\u00fd se i p\u0159es ve\u0161kerou l\u00e9\u010dbu \u010di rehabilitace, nem\u011bn\u00ed. Na prohl\u00e1\u0161en\u00ed, \u017ee se jedn\u00e1 o trval\u00e9 n\u00e1sledky, je t\u0159eba minim\u00e1ln\u011b jeden rok po skon\u010den\u00ed l\u00e9\u010dby a zdravotn\u00ed stav posti\u017een\u00e9 osoby mus\u00ed zcela bezpochybn\u011b prokazovat do\u017eivotn\u00ed trval\u00e9 n\u00e1sledky.Trval\u00e9 n\u00e1sledky jsou jeden z mnoha d\u016fvod\u016f pro\u010d se vyplat\u00ed m\u00edt sjednan\u00e9 poji\u0161t\u011bn\u00ed a neot\u00e1let s nahl\u00e1\u0161en\u00edm pojistn\u00e9 ud\u00e1losti. Jak se trval\u00e9 n\u00e1sledky vypl\u00e1cej\u00ed? O pln\u011bn\u00ed poji\u0161t\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f mus\u00edte sami po\u017e\u00e1dat, obvykle i po 2 a\u017e 3 letech po pojistn\u00e9 ud\u00e1losti. V\u00fdpo\u010det pln\u011bn\u00ed se \u0159\u00edd\u00ed vyhl\u00e1\u0161kou Ministerstva zdravotnictv\u00ed \u010d. 440\/2001 Sb., o od\u0161kodn\u011bn\u00ed bolesti a zt\u00ed\u017een\u00ed spole\u010densk\u00e9ho uplatn\u011bn\u00ed. D\u00e1le v p\u0159\u00edloh\u00e1ch jsou uvedeny jednotliv\u00e9 sazby bodov\u00e9ho ohodnocen\u00ed trval\u00fdch n\u00e1sledk\u016f. V\u011bt\u0161ina poji\u0161\u0165oven m\u00e1 sv\u016fj syst\u00e9m posuzov\u00e1n\u00ed ud\u00e1losti a nejv\u011bt\u0161\u00ed v\u00e1hu m\u00e1 posudek specializovan\u00e9ho l\u00e9ka\u0159e. Ti v\u011bt\u0161inou m\u00edvaj\u00ed s poji\u0161\u0165ovnou uzav\u0159enou smlouvu o spolupr\u00e1ci. Poji\u0161\u0165ovna vypl\u00e1c\u00ed procento ze sjednan\u00e9 \u010d\u00e1stky pro trval\u00e9 n\u00e1sledky dle oce\u0148ovac\u00edch tabulek. P\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed si vol\u00edte bu\u010f n\u00e1sobky pojistn\u00e9 \u010d\u00e1stky. Nebo n\u011bkter\u00e9 poji\u0161\u0165ovny maj\u00ed na v\u00fdb\u011br mezi line\u00e1rn\u00edm a progresivn\u00edm pln\u011bn\u00edm.Rozd\u00edl mezi line\u00e1rn\u00edm a progresivn\u00edm pln\u011bn\u00edm Pro za\u010d\u00e1tek je d\u016fle\u017eit\u00e9 si ujasnit, \u017ee pojistn\u00e1 \u010d\u00e1stka je strop kter\u00fd poji\u0161\u0165ovna p\u0159i pln\u011bn\u00ed vyplat\u00ed.Line\u00e1rn\u00ed pln\u011bn\u00ed je, kdy\u017e m\u00e1te sjednanou pojistnou \u010d\u00e1stku na milion a V\u00e1\u0161 \u00faraz byl ohodnocen 30% t\u011blesn\u00e9ho po\u0161kozen\u00ed (dle tabulek dan\u00e9 poji\u0161\u0165ovny), tud\u00ed\u017e pojistn\u00e9 pln\u011bn\u00ed bude 300 000,-Kde\u017eto progresivn\u00ed pln\u011bn\u00ed se je\u0161t\u011b zn\u00e1sob\u00ed. D\u00e1le by p\u0159iklad pokra\u010doval takto. Dan\u00e1 poji\u0161\u0165ovna p\u0159i rozsahu 25% – 50% t\u011blesn\u00e9ho po\u0161kozen\u00ed po\u010d\u00edt\u00e1 s trojn\u00e1sobnou progres\u00ed. Tud\u00ed\u017e 300 000 * 3 = 900 000,-. To ale tak\u00e9 znamen\u00e1 vy\u0161\u0161\u00ed pojistn\u00e9, tedy \u010d\u00e1stku, kterou m\u011bs\u00ed\u010dn\u011b plat\u00edte.D\u016fle\u017eit\u00e9 je tak\u00e9 d\u00e1t si pozor jak\u00e9 trval\u00e9 n\u00e1sledky m\u00e1te ve smlouv\u011b sjednan\u00e9. Rozli\u0161uj\u00ed se toti\u017e trval\u00e9 n\u00e1sledky \u00farazu a trval\u00e9 n\u00e1sledky nemoci. Tak\u00e9 nen\u00ed od v\u011bci ka\u017ed\u00fdch p\u00e1r let smlouvu o poji\u0161t\u011bn\u00ed prokonzultovat se sv\u00fdm poradcem, jeliko\u017e se va\u0161e \u017eivotn\u00ed situace m\u011bn\u00ed, a je d\u016fle\u017eit\u00e9 m\u00edt spr\u00e1vn\u011b nastaven\u00e9 pojistn\u00e9 limity.Pokud ohledn\u011b \u010dehokoli t\u00e1pete m\u016f\u017eete vyu\u017e\u00edt online poradny.                                                                                                                                                                                                                                                                                                                                                                                                 "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Trval\u00e9 n\u00e1sledky","item":"https:\/\/www.antinato.cz\/trvale-nasledky\/#breadcrumbitem"}]}]