{"id":26,"date":"2023-11-01T22:18:55","date_gmt":"2023-11-01T21:18:55","guid":{"rendered":"https:\/\/www.macola.cz\/?p=26"},"modified":"2023-11-26T20:02:07","modified_gmt":"2023-11-26T19:02:07","slug":"pojisteni","status":"publish","type":"post","link":"https:\/\/www.macola.cz\/?p=26","title":{"rendered":"Poji\u0161t\u011bn\u00ed!"},"content":{"rendered":"\n<p>Poji\u0161t\u011bn\u00ed! Nau\u010dte sv\u00e9 d\u011bti <span style=\"text-decoration: underline;\">pojistit<\/span> to, co si nemohou <span style=\"text-decoration: underline;\">dovolit<\/span> nahradit. Va\u0161e d\u011bti mo\u017en\u00e1 st\u00e1le spadaj\u00ed pod va\u0161e zdravotn\u00ed poji\u0161t\u011bn\u00ed, ale jakmile opust\u00ed domov, budou se muset starat o n\u011bkolik r\u016fzn\u00fdch druh\u016f poji\u0161t\u011bn\u00ed. Mus\u00ed v\u011bd\u011bt o zdravotn\u00edm poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed auta a poji\u0161t\u011bn\u00ed pron\u00e1jmu. Pozd\u011bji budou mo\u017en\u00e1 pot\u0159ebovat poji\u0161t\u011bn\u00ed dom\u00e1cnosti, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed invalidity. D\u011bti \u010dasto hledaj\u00ed nejlevn\u011bj\u0161\u00ed variantu poji\u0161t\u011bn\u00ed, ani\u017e by zv\u00e1\u017eily rozsah poji\u0161t\u011bn\u00ed. Kvalita je d\u016fle\u017eit\u00e1, ale pojistn\u00e9 by nem\u011blo va\u0161e d\u00edt\u011b zruinovat. Je t\u0159eba naj\u00edt rovnov\u00e1hu.<\/p>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed je zp\u016fsob, jak se chr\u00e1nit p\u0159ed finan\u010dn\u00edmi ztr\u00e1tami v p\u0159\u00edpad\u011b nep\u0159edv\u00eddan\u00fdch ud\u00e1lost\u00ed, jako jsou nehody, nemoci, \u017eiveln\u00ed pohromy nebo smrt. Poji\u0161t\u011bn\u00ed funguje tak, \u017ee si plat\u00edte pravideln\u00e9 poplatky (pojistn\u00e9) poji\u0161\u0165ovn\u011b, kter\u00e1 v\u00e1m pak poskytne n\u00e1hradu (pojistn\u00e9 pln\u011bn\u00ed) v p\u0159\u00edpad\u011b, \u017ee nastane pojistn\u00e1 ud\u00e1lost. Poji\u0161\u0165ovna vyu\u017e\u00edv\u00e1 pojistn\u00e9 od mnoha klient\u016f k vytvo\u0159en\u00ed fondu, ze kter\u00e9ho pak vypl\u00e1c\u00ed pojistn\u00e9 pln\u011bn\u00ed t\u011bm, kte\u0159\u00ed je pot\u0159ebuj\u00ed.<\/p>\n\n\n\n<p>Existuje mnoho druh\u016f poji\u0161t\u011bn\u00ed, kter\u00e9 se li\u0161\u00ed podle toho, co kryj\u00ed a jak jsou regulov\u00e1ny. Nejb\u011b\u017en\u011bj\u0161\u00edch druhy poji\u0161t\u011bn\u00ed jsou:<\/p>\n\n\n\n<p>1) <strong>Zdravotn\u00ed poji\u0161t\u011bn\u00ed<\/strong>: pokr\u00fdv\u00e1 n\u00e1klady na l\u00e9ka\u0159skou p\u00e9\u010di a l\u00e9ky v p\u0159\u00edpad\u011b nemoci nebo \u00farazu. V \u010cesk\u00e9 republice je zdravotn\u00ed poji\u0161t\u011bn\u00ed povinn\u00e9 pro v\u0161echny ob\u010dany a rezidenty. Existuj\u00ed dv\u011b formy zdravotn\u00edho poji\u0161t\u011bn\u00ed: ve\u0159ejn\u00e9 a soukrom\u00e9. Ve\u0159ejn\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed je financov\u00e1no ze st\u00e1tn\u00edho rozpo\u010dtu a z pojistn\u00e9ho od zam\u011bstnavatel\u016f a zam\u011bstnanc\u016f. Soukrom\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed je dobrovoln\u00e9 a nab\u00edz\u00ed dopl\u0148kov\u00e9 slu\u017eby nebo lep\u0161\u00ed podm\u00ednky ne\u017e ve\u0159ejn\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p>2) <strong>Poji\u0161t\u011bn\u00ed auta<\/strong>: pokr\u00fdv\u00e1 \u0161kody na vozidle nebo na majetku t\u0159et\u00edch osob v p\u0159\u00edpad\u011b dopravn\u00ed nehody. V \u010cesk\u00e9 republice je povinn\u00e9 m\u00edt tzv. povinn\u00e9 ru\u010den\u00ed, kter\u00e9 kryje \u0161kody na majetku nebo na zdrav\u00ed t\u0159et\u00edch osob. Krom\u011b toho si m\u016f\u017eete sjednat havarijn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 kryje \u0161kody na va\u0161em vozidle.<\/p>\n\n\n\n<p>3) <strong>Poji\u0161t\u011bn\u00ed pron\u00e1jmu<\/strong>: pokr\u00fdv\u00e1 \u0161kody na majetku pronajat\u00e9m od jin\u00e9 osoby nebo na majetku t\u0159et\u00edch osob v p\u0159\u00edpad\u011b po\u017e\u00e1ru, kr\u00e1de\u017ee nebo jin\u00fdch rizik. V \u010cesk\u00e9 republice nen\u00ed poji\u0161t\u011bn\u00ed pron\u00e1jmu povinn\u00e9, ale je doporu\u010den\u00e9 pro ty, kte\u0159\u00ed si pronaj\u00edmaj\u00ed byt nebo d\u016fm. Poji\u0161t\u011bn\u00ed pron\u00e1jmu m\u016f\u017ee tak\u00e9 zahrnovat odpov\u011bdnost za \u0161kody zp\u016fsoben\u00e9 pronaj\u00edmateli nebo soused\u016fm.<\/p>\n\n\n\n<p>4) <strong>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/strong>: pokr\u00fdv\u00e1 \u0161kody na va\u0161em vlastn\u00edm majetku nebo na majetku t\u0159et\u00edch osob v p\u0159\u00edpad\u011b po\u017e\u00e1ru, kr\u00e1de\u017ee nebo jin\u00fdch rizik. V \u010cesk\u00e9 republice nen\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti povinn\u00e9, ale je doporu\u010den\u00e9 pro ty, kte\u0159\u00ed vlastn\u00ed byt nebo d\u016fm. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti m\u016f\u017ee tak\u00e9 zahrnovat odpov\u011bdnost za \u0161kody zp\u016fsoben\u00e9 n\u00e1v\u0161t\u011bvn\u00edk\u016fm nebo soused\u016fm.<\/p>\n\n\n\n<p>5) <strong>\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/strong>: poskytuje finan\u010dn\u00ed podporu va\u0161im bl\u00edzk\u00fdm v p\u0159\u00edpad\u011b va\u0161\u00ed smrti. V \u010cesk\u00e9 republice nen\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed povinn\u00e9, ale je vhodn\u00e9 pro ty, kte\u0159\u00ed maj\u00ed rodinu nebo dluhy. Existuj\u00ed dva z\u00e1kladn\u00ed typy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed: rizikov\u00e9 a spo\u0159ic\u00ed. Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed vypl\u00e1c\u00ed pojistn\u00e9 pln\u011bn\u00ed pouze v p\u0159\u00edpad\u011b smrti poji\u0161t\u011bn\u00e9ho b\u011bhem doby trv\u00e1n\u00ed smlouvy. Spo\u0159ic\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed kombinuje rizikovou slo\u017eku s \u00fasporami, kter\u00e9 si m\u016f\u017eete vybrat na konci smlouvy nebo p\u0159edat d\u011bdic\u016fm.<\/p>\n\n\n\n<p>6) <strong>Poji\u0161t\u011bn\u00ed invalidity<\/strong>: nahrazuje \u010d\u00e1st va\u0161eho p\u0159\u00edjmu v p\u0159\u00edpad\u011b, \u017ee se stanete trvale neschopn\u00fdm pracovat. V \u010cesk\u00e9 republice je poji\u0161t\u011bn\u00ed invalidity sou\u010d\u00e1st\u00ed soci\u00e1ln\u00edho zabezpe\u010den\u00ed, kter\u00e9 je financov\u00e1no ze st\u00e1tn\u00edho rozpo\u010dtu a z pojistn\u00e9ho od zam\u011bstnavatel\u016f a zam\u011bstnanc\u016f. Krom\u011b toho si m\u016f\u017eete sjednat soukrom\u00e9 poji\u0161t\u011bn\u00ed invalidity, kter\u00e9 nab\u00edz\u00ed vy\u0161\u0161\u00ed pojistn\u00e9 pln\u011bn\u00ed nebo \u0161ir\u0161\u00ed podm\u00ednky ne\u017e soci\u00e1ln\u00ed zabezpe\u010den\u00ed.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed je d\u016fle\u017eitou sou\u010d\u00e1st\u00ed finan\u010dn\u00ed gramotnosti a pl\u00e1nov\u00e1n\u00ed. <\/p>\n\n\n\n<p>Nau\u010dte sv\u00e9 d\u011bti, jak si vybrat spr\u00e1vn\u00fd druh a rozsah poji\u0161t\u011bn\u00ed podle jejich pot\u0159eb a mo\u017enost\u00ed. <\/p>\n\n\n\n<p>Pomozte jim porovnat r\u016fzn\u00e9 nab\u00eddky od r\u016fzn\u00fdch poji\u0161\u0165oven a naj\u00edt tu nejv\u00fdhodn\u011bj\u0161\u00ed. <\/p>\n\n\n\n<p>Vysv\u011btlete jim, jak \u010d\u00edst a podepisovat pojistn\u00e9 smlouvy, jak platit pojistn\u00e9, jak uplat\u0148ovat pojistn\u00e9 pln\u011bn\u00ed a jak \u0159e\u0161it p\u0159\u00edpadn\u00e9 spory. <\/p>\n\n\n\n<p>T\u00edm jim pom\u016f\u017eete chr\u00e1nit sebe i sv\u016fj majetek p\u0159ed nep\u0159edv\u00edd\u00e1n\u00edm riziky a u\u0161et\u0159it pen\u00edze a starosti v budoucnosti.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed! Nau\u010dte sv\u00e9 d\u011bti pojistit to, co si nemohou dovolit nahradit. Va\u0161e d\u011bti mo\u017en\u00e1 st\u00e1le spadaj\u00ed pod va\u0161e zdravotn\u00ed poji\u0161t\u011bn\u00ed, ale jakmile opust\u00ed domov, budou se muset starat o n\u011bkolik r\u016fzn\u00fdch druh\u016f poji\u0161t\u011bn\u00ed. Mus\u00ed v\u011bd\u011bt o zdravotn\u00edm poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed auta a poji\u0161t\u011bn\u00ed pron\u00e1jmu. Pozd\u011bji budou mo\u017en\u00e1 pot\u0159ebovat poji\u0161t\u011bn\u00ed dom\u00e1cnosti, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed invalidity. D\u011bti [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":33,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"editor_plus_copied_stylings":"{}","footnotes":""},"categories":[26],"tags":[52,53,51,57,50,55,49,58,56,54],"class_list":["post-26","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojem","tag-auto","tag-domacnost","tag-domov","tag-kvalita","tag-nahradit","tag-nejlevnejsi","tag-pojisteni","tag-rovnovaha","tag-rozsah","tag-zivotni"],"_links":{"self":[{"href":"https:\/\/www.macola.cz\/index.php?rest_route=\/wp\/v2\/posts\/26","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.macola.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.macola.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.macola.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.macola.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=26"}],"version-history":[{"count":2,"href":"https:\/\/www.macola.cz\/index.php?rest_route=\/wp\/v2\/posts\/26\/revisions"}],"predecessor-version":[{"id":34,"href":"https:\/\/www.macola.cz\/index.php?rest_route=\/wp\/v2\/posts\/26\/revisions\/34"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.macola.cz\/index.php?rest_route=\/wp\/v2\/media\/33"}],"wp:attachment":[{"href":"https:\/\/www.macola.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=26"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.macola.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=26"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.macola.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=26"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}