{"id":97,"date":"2022-11-10T13:58:36","date_gmt":"2022-11-10T13:58:36","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=97"},"modified":"2022-11-10T13:58:36","modified_gmt":"2022-11-10T13:58:36","slug":"cesi-by-pri-pojisteni-pece-chteli-i-servis","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=97","title":{"rendered":"\u010ce\u0161i by p\u0159i poji\u0161t\u011bn\u00ed p\u00e9\u010de cht\u011bli i servis"},"content":{"rendered":"<p align=\"JUSTIFY\"><strong>Podle aktu\u00e1ln\u00edho pr\u016fzkumu \u010cesk\u00e9 asociace poji\u0161\u0165oven by o poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de p\u0159i ztr\u00e1t\u011b sob\u011bsta\u010dnosti st\u00e1lo 53 % \u010cech\u016f. Zahrnovat by podle respondent\u016f m\u011blo jak ter\u00e9nn\u00ed a mobiln\u00ed soci\u00e1ln\u00ed slu\u017eby nebo zaji\u0161t\u011bn\u00ed m\u00edsta v\u00a0za\u0159\u00edzen\u00ed, tak i poradenstv\u00ed.<\/strong><!--more--><\/p>\n<p align=\"JUSTIFY\">Pr\u00e1v\u011b nesob\u011bsta\u010dnosti ve st\u00e1\u0159\u00ed se p\u0159itom boj\u00ed nejv\u00edce dot\u00e1zan\u00fdch. O\u010dek\u00e1vaj\u00ed toti\u017e finan\u010dn\u00ed probl\u00e9my, odk\u00e1z\u00e1n\u00ed na p\u00e9\u010di ostatn\u00edch i to, \u017ee budou na obt\u00ed\u017e.<\/p>\n<p align=\"JUSTIFY\">Z\u00a0rizik, kter\u00e9 n\u00e1s mohou potkat, maj\u00ed \u010ce\u0161i nejv\u011bt\u0161\u00ed obavy z toho, aby ve st\u00e1\u0159\u00ed nebyli na obt\u00ed\u017e sv\u00e9mu okol\u00ed. Takov\u00e9 situace se podle aktu\u00e1ln\u00edho pr\u016fzkumu \u010cesk\u00e9 asociace poji\u0161\u0165oven ob\u00e1v\u00e1 73 % populace. I proto by v\u00edce jak dv\u011b t\u0159etiny z\u00a0nich uv\u00edtaly mo\u017enost se pro tento p\u0159\u00edpad pojistit. <i>\u201eProgn\u00f3zy demografick\u00e9ho v\u00fdvoje jsou ne\u00faprosn\u00e9, do 40 let by se mohlo v\u00a0n\u011bjak\u00e9m stupni nesob\u011bsta\u010dnosti ocitnout p\u0159es milion \u010cech\u016f. Poji\u0161t\u011bn\u00ed pro tento p\u0159\u00edpad by jim mohlo p\u0159in\u00e9st dodate\u010dn\u00e9 prost\u0159edky na p\u00e9\u010di.,\u201c<\/i> vysv\u011btluje Jan Matou\u0161ek, \u0159editel \u010cesk\u00e9 asociace poji\u0161\u0165oven.<\/p>\n<p align=\"JUSTIFY\"><b>Nesob\u011bsta\u010dnost je velkou finan\u010dn\u00ed z\u00e1t\u011b\u017e\u00ed<\/b><\/p>\n<p align=\"JUSTIFY\">T\u00e9ma nesob\u011bsta\u010dnosti diskutuje \u010cesk\u00e1 asociace poji\u0161\u0165oven ji\u017e dlouho. Podle anal\u00fdz a pr\u016fzkum\u016f toti\u017e p\u0159edstavuje takov\u00e1 situace velkou z\u00e1t\u011b\u017e nejen pro jedince, ale i pro celou rodinu. <i>\u201eDrtiv\u00e1 v\u011bt\u0161ina populace pova\u017euje za spr\u00e1vn\u00e9 ponechat p\u00e9\u010di o nemohouc\u00ed na rodin\u011b. To s\u00a0sebou samoz\u0159ejm\u011b nese zv\u00fd\u0161en\u00e9 n\u00e1roky nejen na psychiku, ale tak\u00e9 na \u010das a pen\u011b\u017eenku. \u010ce\u0161i n\u00e1klady na p\u00e9\u010di o nesob\u011bsta\u010dn\u00e9ho rodinn\u00e9ho p\u0159\u00edslu\u0161n\u00edka odhaduj\u00ed v\u00a0des\u00edtk\u00e1ch tis\u00edc, n\u011bkte\u0159\u00ed p\u0159edpokl\u00e1daj\u00ed, \u017ee p\u0159ekro\u010d\u00ed dokonce hranici 40 tis\u00edc,\u201c<\/i> up\u0159es\u0148uje Jan Matou\u0161ek. \u010casov\u00e1 n\u00e1ro\u010dnost takov\u00e9 p\u00e9\u010de pak nez\u0159\u00eddka p\u0159im\u011bje pe\u010duj\u00edc\u00ed osobu k\u00a0p\u0159eru\u0161en\u00ed ekonomick\u00e9 aktivity, \u010d\u00edm\u017e se finan\u010dn\u00ed situace je\u0161t\u011b zhor\u0161uje. Podle propo\u010dt\u016f \u010cAP by za 15 let mohlo b\u00fdt v\u00e1z\u00e1no p\u00e9\u010d\u00ed o nesob\u011bsta\u010dn\u00e9 rodinn\u00e9 p\u0159\u00edslu\u0161n\u00edky odhadem 160 tis\u00edc osob, tedy cca 3 % pr\u00e1ceschopn\u00e9ho obyvatelstva.<\/p>\n<p align=\"JUSTIFY\"><b>Pot\u0159ebujeme slu\u017eby i jistotu um\u00edst\u011bn\u00ed<\/b><\/p>\n<p align=\"JUSTIFY\">Podle aktu\u00e1ln\u00edho pr\u016fzkumu by tak o poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de st\u00e1lo 67\u00a0% \u010cech\u016f. <i>\u201eOproti roku 2021 je zde znateln\u00fd r\u016fst z\u00e1jmu, o 16 procentn\u00edch bod\u016f. Nejv\u00fdznamn\u011bji vzrostl z\u00e1jem o poji\u0161t\u011bn\u00ed sebe a partnera, p\u0159edev\u0161\u00edm u star\u0161\u00edch respondent\u016f,\u201c<\/i> up\u0159es\u0148uje Jana Hamanov\u00e1, \u0159editelka v\u00fdzkumn\u00e9 agentury SC&amp;C, kter\u00e1 pr\u016fzkum pro \u010cAP realizovala.<\/p>\n<p align=\"JUSTIFY\">Z\u00e1sadn\u00ed vlastnost\u00ed takov\u00e9ho poji\u0161t\u011bn\u00ed by pak podle pr\u016fzkumu m\u011blo b\u00fdt zaji\u0161t\u011bn\u00ed ter\u00e9nn\u00ed \u010di mobiln\u00ed slu\u017eby \u2013 pot\u0159ebuje je 49 % respondent\u016f a jen 5 % je pova\u017euje za zbyte\u010dn\u00e9. D\u016fle\u017eit\u00e9 je i zabezpe\u010den\u00ed m\u00edsta v\u00a0pobytov\u00e9m za\u0159\u00edzen\u00ed, kter\u00e9 chce 46 % dot\u00e1zan\u00fdch. <i>\u201eV syst\u00e9mu soci\u00e1ln\u00edch slu\u017eeb je ji\u017e dnes podle odhad\u016f p\u0159evis popt\u00e1vky nad nab\u00eddkou 20\u201340 %. Chyb\u00ed tak desetitis\u00edce m\u00edst. Se soukrom\u00fdm p\u0159ipoji\u0161t\u011bn\u00edm by p\u0159i\u0161ly pen\u00edze na jejich roz\u0161\u00ed\u0159en\u00ed,\u201c<\/i> dopl\u0148uje Petr Jedli\u010dka, pojistn\u00fd analytik \u010cesk\u00e9 asociace poji\u0161\u0165oven.<\/p>\n<p align=\"JUSTIFY\"><b>Rada nad zlato<\/b><\/p>\n<p align=\"JUSTIFY\">Nejen p\u00e9\u010de, ale i n\u00e1vodn\u00e1 pomoc je pro \u010cechy d\u016fle\u017eitou sou\u010d\u00e1st\u00ed poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de. Poradenstv\u00ed, jak postupovat v\u00a0p\u0159\u00edpad\u011b nesob\u011bsta\u010dnosti, by cht\u011blo 41 % respondent\u016f, asistenci p\u0159i zaji\u0161t\u011bn\u00ed st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku na p\u00e9\u010di pak 40 %. V\u00a0obou p\u0159\u00edpadech je nav\u00edc jen kolem 5 % t\u011bch, kte\u0159\u00ed takovou slu\u017ebu pova\u017euj\u00ed za zbyte\u010dnou. P\u0159ibli\u017en\u011b polovina dot\u00e1zan\u00fdch pak sice takovou slu\u017ebu moment\u00e1ln\u011b nepot\u0159ebuje, nicm\u00e9n\u011b by p\u0159esto ocenili, pokud by byla sou\u010d\u00e1st\u00ed poji\u0161t\u011bn\u00ed. <i>\u201ePodle v\u00fdzkum\u016f o sv\u00e9 bl\u00edzk\u00e9 pe\u010duje a\u017e p\u011btina populace, s\u00a0uveden\u00fdmi s\u00a0progn\u00f3zami to bude st\u00e1le v\u00edce. To, \u017ee aktu\u00e1ln\u011b n\u011bjakou slu\u017ebu nepot\u0159ebuji tak neznamen\u00e1, \u017ee pro m\u011b nebude p\u0159\u00ednosem n\u011bkdy v\u00a0budoucnu. \u010ce\u0161i si to zjevn\u011b uv\u011bdomuj\u00ed,\u201c<\/i> dopl\u0148uje Jan Matou\u0161ek a dod\u00e1v\u00e1: \u201e<i>St\u00e1t samoz\u0159ejm\u011b v\u00a0t\u00e9to situaci finan\u010dn\u011b vypom\u00e1h\u00e1, t\u0159etina respondent\u016f ale v\u016fbec netu\u0161\u00ed, v\u00a0jak\u00e9 v\u00fd\u0161i se jeho podpora pohybuje, ostatn\u00ed sp\u00ed\u0161e odhaduj\u00ed.\u201c<\/i> St\u00e1tn\u00ed p\u0159\u00edsp\u011bvek v\u00a0pr\u016fm\u011bru podle \u010cech\u016f \u010din\u00ed 8\u00a0700 korun.<\/p>\n<p align=\"JUSTIFY\">Nejm\u00e9n\u011b by naopak \u010ce\u0161i st\u00e1li o pomoc s\u00a0administrativou, ale i tak ji za z\u00e1sadn\u00ed pova\u017euje t\u0159etina lid\u00ed a dal\u0161\u00edch 60 % ji uv\u00edt\u00e1 jako sou\u010d\u00e1st poji\u0161t\u011bn\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Podle aktu\u00e1ln\u00edho pr\u016fzkumu \u010cesk\u00e9 asociace poji\u0161\u0165oven by o poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de p\u0159i ztr\u00e1t\u011b sob\u011bsta\u010dnosti st\u00e1lo 53 % \u010cech\u016f. Zahrnovat by podle respondent\u016f m\u011blo jak ter\u00e9nn\u00ed <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=97\" title=\"\u010ce\u0161i by p\u0159i poji\u0161t\u011bn\u00ed p\u00e9\u010de cht\u011bli i servis\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":98,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-97","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/97","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=97"}],"version-history":[{"count":2,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/97\/revisions"}],"predecessor-version":[{"id":100,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/97\/revisions\/100"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/98"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=97"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=97"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=97"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}