{"id":1451,"date":"2019-10-15T19:38:35","date_gmt":"2019-10-15T17:38:35","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?page_id=1451"},"modified":"2020-02-05T18:47:07","modified_gmt":"2020-02-05T17:47:07","slug":"soukrome-a-komercni-pojisteni","status":"publish","type":"page","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/sluzby\/soukrome-a-komercni-pojisteni\/","title":{"rendered":"Soukrom\u00e9 a komer\u010dn\u00ed poji\u0161t\u011bn\u00ed"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Poji\u0161t\u011bn\u00ed \u00fazce souvis\u00ed s n\u00e1kupem nemovitosti a velk\u00fd v\u00fdznam v dob\u011b, kdy se n\u011bco v\u00e1\u017en\u00e9ho stane. \u00da\u010delem poji\u0161t\u011bn\u00ed je pokr\u00fdt zcela nebo z \u010d\u00e1sti (podle toho, jak\u00e1 je va\u0161e situace a zda m\u00e1te dostate\u010dn\u011b finan\u010dn\u00ed rezervy) \u0161kody na vlastn\u00edm majetku, na majetku a zdrav\u00ed druh\u00fdch (ob\u010dansk\u00e1 odpov\u011bdnost) a tak\u00e9 by spr\u00e1vn\u011b nastaven\u00e1 pojistka m\u011bla pokr\u00fdt finan\u010dn\u00ed v\u00fdpadky v pravidlen\u00e9m p\u0159\u00edjmu (nap\u0159. p\u0159i ztr\u00e1t\u011b zam\u011bstn\u00e1n\u00ed, dlouhodob\u00e9 nemoci, pracovn\u00ed neschopnosti \u010di z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed a invalidit\u011b).[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_tta_tabs color=&#8221;chino&#8221; active_section=&#8221;1&#8243;][vc_tta_section title=&#8221;Poji\u0161t\u011bn\u00ed majetku a odpov\u011bdnosti&#8221; tab_id=&#8221;1571160868567-a27f976f-039a&#8221;][vc_column_text]Nejenom, abyste mohli za\u010d\u00edt \u010derpat hypot\u00e9ku pot\u0159ebujete m\u00edt nemovitost poji\u0161t\u011bnou. Na poji\u0161t\u011bn\u00ed majetku byste m\u011bli myslet i kdy\u017e nem\u00e1te hypot\u00e9ku. Pojistka v\u00e1m m\u016f\u017ee u\u0161et\u0159it nemal\u00e9 finance v p\u0159\u00edpad\u011b, \u017ee v\u00e1m v\u00edtr p\u0159i bou\u0159ce poni\u010d\u00ed st\u0159echu nebo v\u00e1m zate\u010de do pokoje, ale tak\u00e9 kdy\u017e v\u00e1s vytop\u00ed sousedi (nespol\u00e9hejte, \u017ee &#8220;oni&#8221; maj\u00ed pojistku- v\u011bt\u0161inou ji nemaj\u00ed a v\u00e1m pak nezbyde nic jin\u00e9ho ne\u017e \u0161kodu, kterou v\u00e1m sousedi zp\u016fsobili zaplatit ze sv\u00e9ho).<\/p>\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti z b\u011b\u017en\u00e9ho ob\u010dasnk\u00e9ho \u017eivota anebo z vlastnictv\u00ed nemovitosti je rovn\u011b\u017e velmi \u0161ikovn\u00e9 poji\u0161t\u011bn\u00ed- nen\u00ed drah\u00e9 (ro\u010dn\u011b kolem 600,-) a limity pojistn\u00e9ho kryt\u00ed je mo\u017en\u00e9 nastavit a\u017e na 20mil (d\u00edky ustanoven\u00ed v ob\u010dasnk\u00e9m z\u00e1kon\u00edku a definici psychyck\u00e9 \u00fajmy mohou b\u00fdt n\u00e1roky po\u0161kozen\u00fdch hodn\u011b vysok\u00e9).<\/p>\n<ul>\n<li>Mezi nej\u010dast\u011bj\u00ed poji\u0161t\u011bn\u00ed majetku pat\u0159\u00ed:<\/li>\n<li>poji\u0161t\u011bn\u00e1 bytov\u00e9 jednotky a dom\u00e1cnosti<\/li>\n<li>poji\u0161t\u011bn\u00ed rodinn\u00e9ho domu a chalupy<\/li>\n<li>poji\u0161t\u011bn\u00ed rozestaven\u00e9 stavby<\/li>\n<li>poji\u0161t\u011bn\u00ed vedlej\u0161\u00edch staveb (sklep, gar\u00e1\u017e aj.)<\/li>\n<li>poji\u0161t\u011bn\u00ed bytov\u00fdch dom\u016f aj.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed&#8221; tab_id=&#8221;1571160925842-626603b9-97a5&#8243;][vc_column_text]\u00da\u010delem rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je p\u0159edev\u0161\u00edm pokryt\u00ed v\u00fdpadku p\u0159\u00edjm\u016f v dob\u011b nemoci, pracovn\u00edho \u00farazu nebo pracovn\u00ed neschopnosti. Rovn\u011b\u017e by spr\u00e1vn\u011b nastaven\u00e9 rizikov\u00e9 poji\u0161t\u011bn\u00ed m\u011blo pokr\u00fdt v\u00fddaje na spl\u00e1cen\u00ed finan\u010dn\u00edch z\u00e1vazk\u016f (abyste se nedostali do platebn\u00ed neschopnosti) a rovn\u011b\u017e zaji\u0161t\u011bn\u00ed rodiny v p\u0159\u00edpad\u011b, \u017ee by se v\u00e1m n\u011bco z\u00e1va\u017en\u00e9ho stalo (invalidita, smrt).<\/p>\n<p>Existuje n\u011bkolik druh\u016f \u017eivotn\u00edho poji\u0161t\u011bn\u00ed a to:<\/p>\n<ul>\n<li>rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed &#8211; nej\u010dast\u011bji sjedn\u00e1van\u00e9, kter\u00e9 nahradilo tzv. investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, u kter\u00e9ho je narozd\u00edl od rizikov\u00e9ho poji\u0161t\u011bn\u00ed mo\u017en\u00e9 sn\u00ed\u017eit da\u0148ov\u00fd z\u00e1klad<\/li>\n<li>investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed- jak u\u017e s\u00e1m n\u00e1zev napov\u00edd\u00e1, jedn\u00e1 se o poji\u0161t\u011bn\u00ed p\u0159i kter\u00e9m v r\u00e1mci platby pojistn\u00e9ho z \u010d\u00e1sti odv\u00e1d\u00edte ur\u010ditou \u010d\u00e1stku na investici (pod\u00edlov\u00e9 fondy) a na pokryt\u00ed pojistn\u00e9ho rizika.<\/li>\n<li>bankopoji\u0161t\u011bn\u00ed- poji\u0161t\u011bn\u00ed sjednan\u00e9 k hypote\u010dn\u00edmu \u00fav\u011bru, kdy p\u0159\u00edpadn\u00e9 pojistn\u00e9 pln\u011bn\u00ed nejde v\u00e1m, ale bance. V\u00fdhodou bankopoji\u0161t\u011bn\u00ed je, \u017ee lze v tomto p\u0159\u00edpad\u011b sjednat poji\u0161t\u011bn\u00ed nedobrovoln\u00e9 ztr\u00e1ty zam\u011bstn\u00e1n\u00ed, kter\u00e9 jinak nelze komer\u010dn\u011b sjednat.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Poji\u0161t\u011bn\u00ed \u00fav\u011bru&#8221; tab_id=&#8221;1571160949324-1cd03f23-e8bb&#8221;][vc_column_text]Poji\u0161t\u011bn\u00ed \u00fav\u011bru je mo\u017en\u00e9 zajistit bu\u010fto formou rizikov\u00e9ho poji\u0161t\u011bn\u00ed s optim\u00e1ln\u00edm nastaven\u00edm pojistn\u00fdch rizik a \u010d\u00e1stek tak, aby v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti bylo vyplaceno pojistn\u00e9 pln\u011bn\u00ed, kter\u00e9 pokryje zcela anebo z \u010d\u00e1sti va\u0161e finan\u010dn\u00ed z\u00e1vazky a ulev\u00ed tak rodinn\u00e9mu rozpo\u010dtu.<\/p>\n<p>K hyptoe\u010dn\u00edm \u00fav\u011br\u016fm je mo\u017en\u00e9 sjednat tak\u00e9 tzv. bankopoji\u0161t\u011bn\u00ed, kter\u00e9 nab\u00edz\u00ed ke sv\u00fdm \u00fav\u011br\u016fm t\u00e9m\u011b\u0159 v\u0161echny banky a klienty za sjedn\u00e1n\u00ed takov\u00e9h \u00fav\u011bru zpravidla odm\u011bn\u00ed slevou na \u00farokov\u00e9 sazb\u011b. U hypot\u00e9k do 90%LTV je takov\u00e9 poji\u0161t\u011bn\u00ed zpravidla nutnost\u00ed.<\/p>\n<p>[\/vc_column_text][\/vc_tta_section][vc_tta_section title=&#8221;Poji\u0161t\u011bn\u00ed podnikatel\u016f a firem&#8221; tab_id=&#8221;1571160868604-8a9e558d-757b&#8221;][vc_column_text]Poji\u0161t\u011bn\u00ed podnikatel\u016f (OSV\u010c) a firem je velmi rozs\u00e1hl\u00e9 a kalkulace na takov\u00e9 poji\u0161t\u011bn\u00ed se v\u017edy p\u0159ipravuje individ\u00e1ln\u011b. Cenu poji\u0161t\u011bn\u00ed ovliv\u0148uje vykon\u00e1van\u00e1 podnikatelsk\u00e1 \u010dinnost, ro\u010dn\u00ed obrat firmy, po\u010det pojistn\u00fdch ud\u00e1lost\u00ed v minulosti aj.<\/p>\n<p>Nej\u010dast\u011bj\u0161\u00edm typem poji\u0161t\u011bn\u00ed podnikatel\u016f je:<\/p>\n<ul>\n<li>stavebn\u011b-mont\u00e1\u017en\u00ed poji\u0161t\u011bn\u00ed<\/li>\n<li>poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/li>\n<li>poji\u0161t\u011bn\u00ed n\u00e1kladu a dopravy<\/li>\n<li>poji\u0161t\u011bn\u00ed majetku<\/li>\n<li>poji\u0161t\u011bn\u00ed p\u0159eru\u0161en\u00ed provozu<\/li>\n<li>poji\u0161t\u011bn\u00ed u\u0161l\u00e9ho zisku a dal\u0161\u00ed&#8230;<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Poji\u0161t\u011bn\u00ed \u00fazce souvis\u00ed s n\u00e1kupem nemovitosti a velk\u00fd v\u00fdznam v dob\u011b, kdy se n\u011bco v\u00e1\u017en\u00e9ho stane. \u00da\u010delem poji\u0161t\u011bn\u00ed je pokr\u00fdt zcela nebo z \u010d\u00e1sti (podle toho, jak\u00e1 je va\u0161e situace a zda m\u00e1te dostate\u010dn\u011b finan\u010dn\u00ed rezervy) \u0161kody na vlastn\u00edm majetku, na majetku a zdrav\u00ed druh\u00fdch (ob\u010dansk\u00e1 odpov\u011bdnost) a tak\u00e9 by spr\u00e1vn\u011b nastaven\u00e1 pojistka m\u011bla pokr\u00fdt [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":335,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ub_ctt_via":"","footnotes":""},"aioseo_notices":[],"featured_image_src":null,"_links":{"self":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/pages\/1451"}],"collection":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/comments?post=1451"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/pages\/1451\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/pages\/335"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1451"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}