[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/jak-se-spravne-pojistit\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/jak-se-spravne-pojistit\/","headline":"Jak se spr\u00e1vn\u011b pojistit?","name":"Jak se spr\u00e1vn\u011b pojistit?","description":"P\u0159i tomto t\u00e9matu mi na mysli vyvstane vzpom\u00ednka na \u017eiv\u00fd obraz nejmenovan\u00e9ho \u010desk\u00e9ho g\u00e9nia, kdy poji\u0161t\u011bnec vpravo sice v\u010das platil pojistn\u00e9 spl\u00e1tky, ale kdy\u017e vyho\u0159el, zjistil, \u017ee byl poji\u0161t\u011bn proti krupobit\u00ed. Poji\u0161t\u011bn\u00ed nen\u00ed v\u011bc jednoduch\u00e1 a ani dne\u0161n\u00ed doba pln\u00e1 informac\u00ed n\u00e1m situaci moc neuleh\u010duje. Informace sice dostupn\u00e9 jsou, jak je ale spr\u00e1vn\u011b ut\u0159\u00eddit a …

Jak se spr\u00e1vn\u011b pojistit?<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2018-01-27","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a311231_w1990_t1522135403.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a311231_w1990_t1522135403.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/jak-se-spravne-pojistit\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":490,"articleBody":"\tP\u0159i tomto t\u00e9matu mi na mysli vyvstane vzpom\u00ednka na \u017eiv\u00fd obraz nejmenovan\u00e9ho \u010desk\u00e9ho g\u00e9nia, kdy poji\u0161t\u011bnec vpravo sice v\u010das platil pojistn\u00e9 spl\u00e1tky, ale kdy\u017e vyho\u0159el, zjistil, \u017ee byl poji\u0161t\u011bn proti krupobit\u00ed.\tPoji\u0161t\u011bn\u00ed nen\u00ed v\u011bc jednoduch\u00e1 a ani dne\u0161n\u00ed doba pln\u00e1 informac\u00ed n\u00e1m situaci moc neuleh\u010duje. Informace sice dostupn\u00e9 jsou, jak je ale spr\u00e1vn\u011b ut\u0159\u00eddit a vyu\u017e\u00edt tak, abychom v p\u0159\u00edpad\u011b \u0161kodn\u00ed ud\u00e1losti (lidov\u011b \u0159e\u010deno) nep\u0159i\u0161li na buben?\t\tRozhodnut\u00ed mus\u00ed padnout\tPokud m\u00e1te z\u00e1jem o poji\u0161t\u011bn\u00ed, m\u011bli byste si nejprve p\u0159esn\u011b ujasnit, proti \u010demu se chcete pojistit. Nesta\u010d\u00ed p\u0159ij\u00edt do poji\u0161\u0165ovny a \u0159\u00edct: „Dobr\u00fd den, j\u00e1 jsem Nov\u00e1k a r\u00e1d bych \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.“. Poji\u0161\u0165ovac\u00ed poradce na v\u00e1s v tu r\u00e1zu vychrl\u00ed milion informac\u00ed o skladb\u011b dan\u00e9ho poji\u0161t\u011bn\u00ed a mo\u017en\u00fdch p\u0159ipoji\u0161t\u011bn\u00edch, pojistn\u00fdch podm\u00ednk\u00e1ch a dob\u011b trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed….\tP\u0159ed ka\u017ed\u00fdm takov\u00fdmto krokem se zamyslete, pro\u010d a na co se vlastn\u011b chcete pojistit. Dnes t\u00e9m\u011b\u0159 ka\u017ed\u00e1 poji\u0161\u0165ovna nab\u00edz\u00ed online p\u0159ehledy sv\u00fdch produkt\u016f, n\u011bkter\u00e9 dokonce i online kalkula\u010dky. Skladba poji\u0161t\u011bn\u00ed je jednou z podstatn\u00fdch sou\u010d\u00e1st\u00ed takov\u00e9ho kroku.\tInvestovat? A jak?\tN\u011bkter\u00e9 poji\u0161\u0165ovny nab\u00edz\u00ed u vybran\u00fdch produkt\u016f mo\u017enost tzv. investi\u010dn\u00edho poji\u0161t\u011bn\u00ed. \u010c\u00e1st z v\u00e1mi placen\u00e9ho pojistn\u00e9ho se bude investovat a m\u016f\u017ee v\u00e1m tak p\u0159in\u00e9st zisk. Je ale t\u0159eba tento krok \u0159\u00e1dn\u011b promyslet, proto\u017ee i kdy\u017e se \u0159\u00edk\u00e1, \u017ee risk je zisk, ob\u010das m\u016f\u017ee b\u00fdt risk pouh\u00fd risk.\tN\u011bkter\u00e9 poji\u0161\u0165ovny maj\u00ed k dispozici kr\u00e1tk\u00e9 testy, kter\u00e9 v\u00e1s nasm\u011b\u0159uj\u00ed ke zp\u016fsobu investice (rozd\u011blen\u00ed je dle rizikovosti). Ur\u010dit\u011b se nebojte sv\u00e9ho poradce zeptat!\t\tO\u010dek\u00e1vejte neo\u010dek\u00e1van\u00e9\tV\u017edy pe\u010dliv\u011b zva\u017ete mo\u017enosti p\u0159ipoji\u0161t\u011bn\u00ed k vybran\u00e9mu kmenov\u00e9mu poji\u0161t\u011bn\u00ed a up\u0159esn\u011bn\u00ed popisu \u0161kodn\u00fdch ud\u00e1lost\u00ed. Rozli\u0161uje se toti\u017e nap\u0159\u00edklad:\t·         z\u00e1plava ve smyslu zatopen\u00ed nemovitosti po n\u00e1valov\u00fdch de\u0161t\u00edch\t·         povode\u0148 ve smyslu zatopen\u00ed po vylit\u00ed vodn\u00edho toku z koryta.\tD\u00e1vejte si pozor tak\u00e9 na to, aby byly spln\u011bn\u00e9 podm\u00ednky pojistn\u00e9 smlouvy z va\u0161\u00ed strany- m\u016f\u017ee se jednat nap\u0159\u00edklad o bezpe\u010dnostn\u00ed syst\u00e9m domu, \u010dipov\u00e1n\u00ed psa \u010di pravideln\u00e9 l\u00e9ka\u0159sk\u00e9 prohl\u00eddky. Sta\u010d\u00ed mali\u010dkost z va\u0161\u00ed strany a poji\u0161\u0165ovna ji\u017e ztrat\u00ed povinnost v\u00e1m pojistku vyplatit. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se spr\u00e1vn\u011b pojistit?","item":"https:\/\/www.zerba.cz\/jak-se-spravne-pojistit\/#breadcrumbitem"}]}]