[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dzone.cz\/pojisteni\/#Article","mainEntityOfPage":"https:\/\/www.dzone.cz\/pojisteni\/","headline":"Poji\u0161t\u011bn\u00ed","name":"Poji\u0161t\u011bn\u00ed","description":"Lidskou p\u0159irozenost\u00ed ka\u017ed\u00e9ho \u010dlov\u011bka je strach toho, \u017ee p\u0159ijde o sv\u00e9 v\u011bci. Je to zp\u016fsobeno zejm\u00e9na t\u00edm, \u017ee jsou v dne\u0161n\u00ed dob\u011b produkty velice drah\u00e9 a platy pom\u011brn\u011b n\u00edzk\u00e9- tak\u017ee si \u010dlov\u011bk v\u00e1\u017e\u00ed p\u0159edm\u011bt\u016f, na kter\u00e9 si vyd\u011bl\u00e1 pen\u00edze. P\u0159eci... <a class=\"more-link\" href=\"https:\/\/www.dzone.cz\/pojisteni\/\">Pokra\u010dovat ve \u010dten\u00ed &rarr;<\/a>","datePublished":"2018-06-04","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.dzone.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.dzone.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dzone.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dzone.cz\/wp-content\/uploads\/img_a321209_w2109_t1532447848.jpg","url":"https:\/\/www.dzone.cz\/wp-content\/uploads\/img_a321209_w2109_t1532447848.jpg","height":0,"width":0},"url":"https:\/\/www.dzone.cz\/pojisteni\/","wordCount":382,"articleBody":"Lidskou p\u0159irozenost\u00ed ka\u017ed\u00e9ho \u010dlov\u011bka je strach toho, \u017ee p\u0159ijde o sv\u00e9 v\u011bci. Je to zp\u016fsobeno zejm\u00e9na t\u00edm, \u017ee jsou v dne\u0161n\u00ed dob\u011b produkty velice drah\u00e9 a platy pom\u011brn\u011b n\u00edzk\u00e9- tak\u017ee si \u010dlov\u011bk v\u00e1\u017e\u00ed p\u0159edm\u011bt\u016f, na kter\u00e9 si vyd\u011bl\u00e1 pen\u00edze. P\u0159eci kdo by cht\u011bl p\u0159ij\u00edt o t\u011b\u017ece vyd\u011blan\u00e9 pen\u00edze? Poji\u0161\u0165ovny si konkuruj\u00ed mezi sebou rozsahem slu\u017eeb a cenou slu\u017eeb, proto\u017ee jsou v terci\u00e1ln\u00edm sektoru- sektor slu\u017eeb. Poji\u0161\u0165ovny d\u011blaj\u00ed tzvn. bal\u00ed\u010dkov\u00e1n\u00ed slu\u017eeb (co\u017e znamen\u00e1 sestaven\u00ed individu\u00e1ln\u00ed nab\u00eddky) a to pr\u00e1v\u011b d\u00edky konkurenci- sna\u017e\u00ed se uspokojit pot\u0159eby z\u00e1kazn\u00edka l\u00e9pe ne\u017e konkurence. Tak\u017ee se d\u00e1 naj\u00edt poji\u0161t\u011bn\u00ed, kter\u00e9 je velice v\u00fdhodn\u00e9 a za p\u0159\u00edv\u011btivou cenu. Poji\u0161t\u011bn\u00ed zprost\u0159edkov\u00e1v\u00e1 poji\u0161\u0165ovna (poji\u0161\u0165ovna je finan\u010dn\u00ed instituce a poskytuje ochranu p\u0159ed riziky, kter\u00e9 n\u00e1m hroz\u00ed v ka\u017edodenn\u00edm \u017eivot\u011b). Smlouvu uzav\u00edr\u00e1 poji\u0161\u0165ovna s osobou, kter\u00e1 odv\u00e1d\u00ed pojistn\u00e9. Pojistn\u00e1 ud\u00e1lost je skute\u010dnost, kter\u00e1 kdy\u017e se stane, poji\u0161\u0165ovna vypl\u00e1c\u00ed sl\u00edbenou finan\u010dn\u00ed \u010d\u00e1stku opr\u00e1vn\u011bn\u00e9 osob\u011b. Pojistn\u00e9 ud\u00e1losti jsou uvedeny v pojistn\u00e9 smlouv\u011b, kter\u00e1 m\u00e1 p\u00edsemnou podobu (stejn\u011b jako jej\u00ed dodatky). Av\u0161ak existuj\u00ed situace, kdy m\u016f\u017ee poji\u0161\u0165ovna odm\u00edtnout vyplatit pojistn\u00e9 pln\u011bn\u00ed . V\u0161echny pojistn\u00e9 ud\u00e1losti jsou uvedeny ve smlouv\u011b, proto je pot\u0159eba si smlouvu po\u0159\u00e1dn\u011b p\u0159e\u010d\u00edst a porozum\u011bt ka\u017ed\u00e9 jej\u00ed \u010d\u00e1sti. M\u016f\u017eete se i zeptat zam\u011bstnance v poji\u0161\u0165ovn\u011b, se kter\u00fdm smlouvu uzav\u00edr\u00e1te nebo si p\u0159izvat na pomoc pr\u00e1vn\u00edka. Vyplat\u00ed se m\u00edt toti\u017e smlouvu, kter\u00e1 kryje v\u0161echny ud\u00e1losti, kter\u00e9 mohou nastat. S takovou situac\u00ed jsou v\u017edycky nep\u0159\u00edjemnosti, proto je lep\u0161\u00ed se j\u00ed vyhnout. Z\u00e1v\u011brem nap\u00ed\u0161i jen to, \u017ee m\u00edt poji\u0161t\u011bn\u00e9 pojistn\u00e9 produkty je velice zodpov\u011bdn\u00fdm rozhodnut\u00edm, kter\u00e9 by nem\u011bl \u017e\u00e1dn\u00fd ob\u010dan podce\u0148ovat, proto\u017ee ka\u017ed\u00fd z n\u00e1s m\u016f\u017ee p\u0159ij\u00edt o majetek nebo zam\u011bstn\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        3.7\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poji\u0161t\u011bn\u00ed","item":"https:\/\/www.dzone.cz\/pojisteni\/#breadcrumbitem"}]}]