{"id":169,"date":"2022-11-21T08:36:33","date_gmt":"2022-11-21T08:36:33","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=169"},"modified":"2022-11-21T08:36:33","modified_gmt":"2022-11-21T08:36:33","slug":"uniqa-koureni-vyznamne-ovlivnuje-cenu-pojisteni","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=169","title":{"rendered":"UNIQA: Kou\u0159en\u00ed v\u00fdznamn\u011b ovliv\u0148uje cenu poji\u0161t\u011bn\u00ed"},"content":{"rendered":"

Na 17. listopadu p\u0159ipad\u00e1 Mezin\u00e1rodn\u00ed neku\u0159\u00e1ck\u00fd den. Podle odborn\u00edk\u016f zp\u016fsobuje kou\u0159en\u00ed cigaret \u010dtrn\u00e1ct typ\u016f\u00a0rakovin<\/a>y\u00a0a des\u00edtky dal\u0161\u00edch onemocn\u011bn\u00ed. V pr\u016fm\u011bru si ku\u0159\u00e1ci zkracuj\u00ed \u017eivot nejm\u00e9n\u011b o deset let. Je tedy jasn\u00e9, \u017ee kou\u0159en\u00ed hraje podstatnou roli i v\u00a0\u017eivotn\u00edm poji\u0161t\u011bn\u00ed.<\/strong><\/p>\n

<\/p>\n

Podle \u010dervnov\u00fdch informac\u00ed serveru Zdrav\u00e9 zpr\u00e1vy holduje tab\u00e1ku \u010dtvrtina \u010cech\u016f star\u0161\u00edch patn\u00e1cti let. Podle \u0161et\u0159en\u00ed o u\u017e\u00edv\u00e1n\u00ed tab\u00e1ku a alkoholu v \u010cesk\u00e9 republice (NAUTA), zve\u0159ejn\u011bn\u00e9ho St\u00e1tn\u00edm zdravotn\u00edm \u00fastavem (SZ\u00da), po\u010det ku\u0159\u00e1k\u016f v \u010cesku loni stoupl o 1,3 %. Zat\u00edmco v roce 2020 v u n\u00e1s kou\u0159ilo 23,1 % lid\u00ed nad 15 let, loni u\u017e to bylo 24,4 %. Denn\u011b u n\u00e1s dle v\u00fdsledk\u016f pr\u016fzkumu tab\u00e1k kou\u0159ilo 22 % mu\u017e\u016f a 13,3 % \u017een. Celkov\u011b ka\u017edodenn\u00ed ku\u0159\u00e1ci spot\u0159ebovali 15 a\u017e 24 kus\u016f cigaret za den, co\u017e odpov\u00edd\u00e1 konzumaci v\u00a0p\u0159edchoz\u00edm roce 2020.<\/p>\n

Nov\u00e9 trendy<\/strong><\/p>\n

Loni v\u00a0\u010desk\u00e9 populaci p\u0159ibylo i ku\u0159\u00e1k\u016f\u00a0elektronick\u00fdch cigaret<\/a>\u00a0a u\u017eivatel\u016f zah\u0159\u00edvan\u00e9ho tab\u00e1ku. E-cigarety u n\u00e1s loni u\u017e\u00edvalo 7,4 % osob, 4 % z nich dokonce denn\u011b. P\u0159ibli\u017en\u011b polovina z u\u017eivatel\u016f e-cigaret kou\u0159\u00ed sou\u010dasn\u011b i klasick\u00e9 cigarety. A t\u00e9m\u011b\u0159 30 % jich p\u0159ed za\u010d\u00e1tkem u\u017e\u00edv\u00e1n\u00ed e-cigaret nikdy klasick\u00e9 cigarety nekou\u0159ilo. Zah\u0159\u00edvan\u00e9 tab\u00e1kov\u00e9 v\u00fdrobky nyn\u00ed u\u017e\u00edv\u00e1
\n7 % dot\u00e1zan\u00fdch.<\/p>\n

P\u0159edev\u0161\u00edm s\u00a0ohledem na r\u016fst po\u010dtu u\u017eivatel\u016f zah\u0159\u00edvan\u00e9ho tab\u00e1ku a elektronick\u00fdch cigaret je t\u0159eba konzumenty upozor\u0148ovat, \u017ee i tyto \u201en\u00e1hra\u017eky\u201c klasick\u00fdch cigaret p\u0159in\u00e1\u0161ej\u00ed nemal\u00e1 zdravotn\u00ed rizika a v\u00fdznamn\u011b zvy\u0161uj\u00ed riziko rozvoje rakoviny. Jak upozor\u0148uj\u00ed l\u00e9ka\u0159i, n\u00e1pl\u0148 pro elektronick\u00e9 cigarety toti\u017e v\u011bt\u0161inou obsahuje a\u017e 20 procent nikotinu.<\/p>\n

Ku\u0159\u00e1ci si kr\u00e1t\u00ed \u017eivot <\/strong><\/p>\n

O \u0161kodlivosti kou\u0159en\u00ed v jak\u00e9koli form\u011b jasn\u011b sv\u011bd\u010d\u00ed data tuzemsk\u00fdch zdravotn\u00edch instituc\u00ed. Ka\u017edoro\u010dn\u011b u n\u00e1s na n\u00e1sledky kou\u0159en\u00ed um\u00edraj\u00ed desetitis\u00edce lid\u00ed. P\u0159i\u010dem\u017e 16 a\u017e 18 tis\u00edc z ku\u0159\u00e1k\u016f zem\u0159e nej\u010dast\u011bji v souvislosti se zhoubn\u00fdm novotvarem pr\u016fdu\u0161nice, pr\u016fdu\u0161ek a plic, anebo\u00a0chronick\u00e9 obstruk\u010dn\u00ed plicn\u00ed nemoci<\/a>. Pro p\u0159edstavu: to je takov\u00e9 mno\u017estv\u00ed, jako kdyby vym\u0159el cel\u00fd Bene\u0161ov nebo cel\u00e9 Otrokovice. Dv\u011b t\u0159etiny z\u00e1visl\u00fdch na nikotinu um\u00edraj\u00ed p\u0159ed dovr\u0161en\u00edm 65 let v\u011bku. Zem\u0159ou ale i tis\u00edce lid\u00ed na n\u00e1sledky pasivn\u00edho kou\u0159en\u00ed. Pracuj\u00edc\u00ed v\u00a0ku\u0159\u00e1ck\u00e9m prost\u0159ed\u00ed nebo lid\u00e9 \u017eij\u00edc\u00ed v\u00a0dom\u00e1cnosti s\u00a0ku\u0159\u00e1ky maj\u00ed dvakr\u00e1t vy\u0161\u0161\u00ed riziko infarktu a tak\u00e9 podstatn\u011b vy\u0161\u0161\u00ed riziko rakoviny a mrtvice. Vliv kou\u0159en\u00ed se projevuje i ve sn\u00ed\u017een\u00ed\u00a0plodnosti nebo ve zv\u00fd\u0161en\u00e9 lomivosti kost\u00ed.<\/p>\n

Co na to poji\u0161t\u011bn\u00ed<\/strong><\/p>\n

Souvislost mezi kou\u0159en\u00edm a zv\u00fd\u0161en\u00fdm rizikem ur\u010dit\u00fdch onemocn\u011bn\u00ed nebo d\u0159\u00edv\u011bj\u0161\u00ed smrti je statisticky prok\u00e1zan\u00e1. Poji\u0161\u0165ovny samoz\u0159ejm\u011b na vstupu do poji\u0161t\u011bn\u00ed proto tento neduh u sv\u00fdch klient\u016f pe\u010dliv\u011b sleduj\u00ed. \u201eT\u00fdk\u00e1 se to hlavn\u011b rizika smrti v\u00a0\u017eivotn\u00edm poji\u0161t\u011bn\u00ed a tak\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed, ale rovn\u011b\u017e t\u0159eba poji\u0161t\u011bn\u00ed denn\u00edch d\u00e1vek v\u00a0pracovn\u00ed neschopnosti nebo \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed,\u201c<\/em> vypo\u010d\u00edt\u00e1v\u00e1 Helena Radovansk\u00e1, \u0159editelka v\u00fdvoje produkt\u016f UNIQA.<\/p>\n

UNIQA se sna\u017e\u00ed podchytit souvislost tak\u00e9 v\u00a0rodinn\u00e9 anamn\u00e9ze. Dotazuje se na v\u00fdskyt \u201eku\u0159\u00e1ck\u00fdch\u201c diagn\u00f3z, jako jsou karcinom plic, ischemick\u00e1 choroba srde\u010dn\u00ed a infarkt, mrtvice nebo astma v\u00a0p\u0159\u00edm\u00e9 p\u0159\u00edbuzensk\u00e9 linii ve v\u011bku do 60 let. Pokud je zachycen v\u00fdskyt takov\u00fdch onemocn\u011bn\u00ed u bl\u00edzk\u00fdch osob ku\u0159\u00e1ka, ten mus\u00ed po\u010d\u00edtat s\u00a0p\u0159\u00edplatkem podle \u010detnosti, p\u0159\u00edpadn\u011b i s\u00a0v\u00fdlukou na p\u0159\u00edslu\u0161n\u00e9 choroby, zejm\u00e9na pro rizika invalidity a velmi v\u00e1\u017en\u00fdch onemocn\u011bn\u00ed. P\u0159ir\u00e1\u017eka se pohybuje v\u00a0pr\u016fm\u011bru v\u00a0des\u00edtk\u00e1ch procent.<\/p>\n

U\u017e p\u0159ed p\u011bti lety zavedla UNIQA plo\u0161n\u011b slevu pro klienty, spl\u0148uj\u00edc\u00ed parametry \u201e\u0161t\u00edhl\u00e9ho neku\u0159\u00e1ka\u201c (podle BMI). Ten zaplat\u00ed a\u017e o 20 % m\u00e9n\u011b na rizika smrti nebo v\u00a0p\u0159ipoji\u0161t\u011bn\u00ed velmi z\u00e1va\u017en\u00fdch chorob.<\/p>\n

Informaci o kou\u0159en\u00ed uv\u00e1d\u00ed klient p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed ve zdravotn\u00edm dotazn\u00edku. M\u00e1-li b\u00fdt poji\u0161t\u011bn\u00ed sjedn\u00e1no na vy\u0161\u0161\u00ed pojistnou \u010d\u00e1stku (cca od 6 milion\u016f korun), UNIQA vy\u017eaduje i l\u00e9ka\u0159skou dokumentaci klienta, nebo m\u016f\u017ee nechat doty\u010dn\u00e9ho vy\u0161et\u0159it vlastn\u00edm revizn\u00edm l\u00e9ka\u0159em. \u201eI z\u00a0t\u011bchto zdroj\u016f si poji\u0161\u0165ovna ov\u011b\u0159\u00ed, zda jde o ku\u0159\u00e1ka \u010di nikoli. Zkoum\u00e1 rovn\u011b\u017e konzumaci n\u00e1vykov\u00fdch l\u00e1tek a motiv k\u00a0jejich u\u017e\u00edv\u00e1n\u00ed, proto\u017ee ur\u010dit\u00e9 druhy a d\u00e1vky mohou b\u00fdt p\u0159edeps\u00e1ny i jako medic\u00ednsk\u00fd prost\u0159edek,\u201c<\/em> vysv\u011btlila Eva Trajboldov\u00e1, mana\u017eerka poji\u0161t\u011bn\u00ed osob UNIQA, a dod\u00e1v\u00e1: \u201eV posledn\u00edch n\u011bkolika letech se v\u00a0na\u0161em kmeni \u017eivotn\u00edho poji\u0161t\u011bn\u00ed vyskytuje asi 12 % ku\u0159\u00e1k\u016f, p\u0159i\u010dem\u017e jejich pod\u00edl pomalu kles\u00e1.\u201c<\/em><\/p>\n

Dal\u0161\u00ed zdravotn\u00ed stra\u0161\u00e1ky<\/strong><\/p>\n

Samoz\u0159ejm\u011b se nesleduje jako rizikov\u00fd faktor pouze kou\u0159en\u00ed, ale i dal\u0161\u00ed, jako je obezita nebo vysok\u00fd krevn\u00ed tlak. Je-li z\u00e1t\u011b\u017e v\u00edcen\u00e1sobn\u00e1, p\u0159ijet\u00ed klienta je mo\u017en\u00e9 jen za podstatn\u011b vy\u0161\u0161\u00ed p\u0159ir\u00e1\u017eku nebo s\u00a0odpov\u00eddaj\u00edc\u00ed v\u00fdlukou statisticky pravd\u011bpodobn\u00fdch souvisej\u00edc\u00edch diagn\u00f3z.<\/p>\n

Zd\u00e1nliv\u011b nejjednodu\u0161\u0161\u00ed je situace u vysok\u00e9ho tlaku<\/strong>. Ten lze dnes medikamenty \u00fasp\u011b\u0161n\u011b kompenzovat, tak\u017ee v\u00a0p\u0159\u00edpad\u011b l\u00e9\u010den\u00fdch hypertonik\u016f rizika nehroz\u00ed. Probl\u00e9mem jsou v\u0161ak pacienti, kte\u0159\u00ed o t\u00e9to z\u00e1t\u011b\u017ei nev\u011bd\u00ed, proto\u017ee podce\u0148uj\u00ed prevenci. P\u0159itom ob\u011bhov\u00e9 probl\u00e9my jsou nej\u010dast\u011bj\u0161\u00edmi pot\u00ed\u017eemi i p\u0159\u00ed\u010dinami \u00famrt\u00ed v\u00a0\u010cR, a s\u00a0nimi hypertenze p\u0159\u00edmo souvis\u00ed.<\/p>\n

Nadv\u00e1ha<\/strong> se aktu\u00e1ln\u011b ukazuje jako \u0161\u00ed\u0159\u00edc\u00ed se fenom\u00e9n u klient\u016f \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. \u201eD\u00e1 se spekulovat o dvou faktorech: t\u00edm aktu\u00e1ln\u00edm je dva roky trvaj\u00edc\u00ed pandemie se v\u0161emi omezen\u00edmi, kv\u016fli n\u00ed\u017e se lid\u00e9 m\u00e9n\u011b h\u00fdbali a tloustli. Roli hraje ale tak\u00e9 objektivn\u00ed skute\u010dnost, \u017ee do \u017eivotn\u00edho poji\u0161t\u011bn\u00ed vstupuj\u00ed lid\u00e9 ve vy\u0161\u0161\u00edm v\u011bku, jen\u017e je zpravidla spojen s\u00a0vy\u0161\u0161\u00ed hmotnost\u00ed,\u201c<\/em> komentuje v\u00fdvoj Eva Trajboldov\u00e1.<\/p>\n

V posledn\u00edch letech jsou nov\u00ed klienti v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed UNIQA ka\u017ed\u00fd rok \u201etlust\u0161\u00ed\u201c. Dokonce jejich pr\u016fm\u011brn\u00e9 BMI dos\u00e1hlo nejvy\u0161\u0161\u00ed \u00farovn\u011b za posledn\u00edch 12 let. Zat\u00edmco tato hodnota se v UNIQA je\u0161t\u011b do roku 2014 dr\u017eela v pr\u016fm\u011bru pod 25, pot\u00e9 u\u017e se pravideln\u011b pohybovala nad touto hranic\u00ed. A ta je sou\u010dasn\u011b p\u0159ed\u011blem mezi norm\u00e1ln\u00ed hmotnost\u00ed a po\u010d\u00ednaj\u00edc\u00ed nadv\u00e1hou. D\u00e1 se tedy \u0159\u00edct, \u017ee klienti UNIQA u\u017e \u00fapln\u011b zdravou v\u00e1hu v pr\u016fm\u011bru nemaj\u00ed. Meziro\u010dn\u00ed p\u0159\u00edr\u016fstek BMI byl nav\u00edc b\u011bhem pandemie zat\u00edm nejvy\u0161\u0161\u00ed.<\/p>\n

\u201eKou\u0159en\u00ed je v\u0161ak p\u0159i uzav\u00edr\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed v\u00fdrazn\u011b hor\u0161\u00ed faktor ne\u017e nadv\u00e1ha \u010di dokonce obezita. Cigarety zvy\u0161uj\u00ed \u00famrtnost u\u017e v\u00a0mlad\u0161\u00edm v\u011bku a\u017e dvojn\u00e1sobn\u011b, zat\u00edmco obezita zpravidla sebere p\u00e1r let \u017eivota a\u017e star\u0161\u00edm ro\u010dn\u00edk\u016fm,\u201c <\/em>uzav\u00edr\u00e1 Eva Trajboldov\u00e1, mana\u017eerka produkt\u016f poji\u0161t\u011bn\u00ed osob UNIQA. <\/em><\/p>\n

\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Na 17. listopadu p\u0159ipad\u00e1 Mezin\u00e1rodn\u00ed neku\u0159\u00e1ck\u00fd den. Podle odborn\u00edk\u016f zp\u016fsobuje kou\u0159en\u00ed cigaret \u010dtrn\u00e1ct typ\u016f\u00a0rakoviny\u00a0a des\u00edtky dal\u0161\u00edch onemocn\u011bn\u00ed. V pr\u016fm\u011bru si ku\u0159\u00e1ci zkracuj\u00ed \u017eivot nejm\u00e9n\u011b o […]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":170,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-169","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojistovny"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/169","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=169"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/169\/revisions"}],"predecessor-version":[{"id":171,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/169\/revisions\/171"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/170"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}