[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/jak-se-vyznat-v-pojistovnach\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/jak-se-vyznat-v-pojistovnach\/","headline":"Jak se vyznat v poji\u0161\u0165ovn\u00e1ch?","name":"Jak se vyznat v poji\u0161\u0165ovn\u00e1ch?","description":"Poji\u0161\u0165ovny pat\u0159\u00ed mezi finan\u010dn\u00ed instituce. Jej\u00ed funkce spo\u010d\u00edv\u00e1 v tom, \u017ee shroma\u017e\u010fuje pojistn\u00e9 \u010d\u00e1stky od klient\u016f, hospoda\u0159\u00ed s nimi, investuje je. T\u00edm si vytv\u00e1\u0159\u00ed zisk. Ale v p\u0159\u00edpad\u011b pojistn\u00e9ho pln\u011bn\u00ed mus\u00ed poji\u0161\u0165ovna klientovi zp\u0159\u00edstupnit prost\u0159edky ve sjednan\u00e9 v\u00fd\u0161i. Zdravotn\u00ed poji\u0161\u0165ovny To neplat\u00ed u zdravotn\u00edch poji\u0161\u0165oven. Zdravotn\u00ed poji\u0161t\u011bn\u00ed je stanoven\u00e9 z\u00e1konem.&nbsp; Zam\u011bstnanci odv\u00e1d\u011bj\u00ed st\u00e1tu \u010d\u00e1st ze &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/jak-se-vyznat-v-pojistovnach\/\"> <span class=\"screen-reader-text\">Jak se vyznat v poji\u0161\u0165ovn\u00e1ch?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2017-11-29","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_a305802_w1992_t1517226082.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a305802_w1992_t1517226082.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/jak-se-vyznat-v-pojistovnach\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":416,"articleBody":"\tPoji\u0161\u0165ovny pat\u0159\u00ed mezi finan\u010dn\u00ed instituce. Jej\u00ed funkce spo\u010d\u00edv\u00e1 v tom, \u017ee shroma\u017e\u010fuje pojistn\u00e9 \u010d\u00e1stky od klient\u016f, hospoda\u0159\u00ed s nimi, investuje je. T\u00edm si vytv\u00e1\u0159\u00ed zisk. Ale v p\u0159\u00edpad\u011b pojistn\u00e9ho pln\u011bn\u00ed mus\u00ed poji\u0161\u0165ovna klientovi zp\u0159\u00edstupnit prost\u0159edky ve sjednan\u00e9 v\u00fd\u0161i.\t\tZdravotn\u00ed poji\u0161\u0165ovnyTo neplat\u00ed u zdravotn\u00edch poji\u0161\u0165oven. Zdravotn\u00ed poji\u0161t\u011bn\u00ed je stanoven\u00e9 z\u00e1konem.&nbsp; Zam\u011bstnanci odv\u00e1d\u011bj\u00ed st\u00e1tu \u010d\u00e1st ze sv\u00e9 v\u00fdplaty, osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u00e9 \u010dinn\u00e9 (OSV\u010c) ze sv\u00e9ho v\u00fdd\u011blku. Zdravotn\u00ed poji\u0161t\u011bn\u00ed odv\u00e1d\u011bj\u00ed i zam\u011bstnavatel\u00e9. Slou\u017e\u00ed k proplacen\u00ed zdravotn\u00ed p\u00e9\u010de, kterou tak\u00e9 upravuje z\u00e1kon. St\u00e1t plat\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed za nap\u0159. d\u016fchodce, osoby na rodi\u010dovsk\u00e9 dovolen\u00e9, osoby v evidenci \u00da\u0159adu pr\u00e1ce atd.\tOstatn\u00ed poji\u0161\u0165ovnyExistuj\u00ed i dal\u0161\u00ed poji\u0161\u0165ovny, u kter\u00fdch si m\u016f\u017eete sjednat nap\u0159. \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed dom\u00e1cnosti, nemovitosti, poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet atd.&nbsp; Jedn\u00e1 se o poji\u0161t\u011bn\u00ed zcela dobrovoln\u00e9. T\u011bchto poji\u0161\u0165oven je spousta, jsou to soukrom\u00e9 subjekty.&nbsp; V\u011bt\u0161inou tyto poji\u0161\u0165ovny nab\u00edz\u00ed n\u011bkolik druh\u016f poji\u0161t\u011bn\u00ed a z\u00e1le\u017e\u00ed jen na V\u00e1s, pro jakou poji\u0161\u0165ovnu a jak\u00e9 poji\u0161t\u011bn\u00ed se rozhodnete.Poji\u0161\u0165ovna (nebo jej\u00ed z\u00e1stupce) sepisuje s klientem tzv. pojistnou smlouvu. V t\u00e9to smlouv\u011b se klient zavazuje pravideln\u011b platit poji\u0161\u0165ovn\u011b sjednanou \u010d\u00e1stku. V p\u0159\u00edpad\u011b, \u017ee se n\u011bco stane (nastane pojistn\u00e1 ud\u00e1lost), poji\u0161\u0165ovna klientovi vyplat\u00ed \u010d\u00e1stku ur\u010denou ve smlouv\u011b, ale pouze za p\u0159edpokladu, \u017ee do\u0161lo k pojistn\u00e9mu pln\u011bn\u00ed.&nbsp; O tom rozhoduje sama poji\u0161\u0165ovna. Proto v\u017edy po klientovi po\u017eaduje v\u0161echny pot\u0159ebn\u00e9 dokumenty ohledn\u011b pojistn\u00e9 ud\u00e1losti.A pr\u00e1v\u011b pokud se rozhodujete, \u017ee si z\u0159\u00edd\u00edte n\u011bjak\u00e9 dobrovoln\u00e9 poji\u0161t\u011bn\u00ed, doporu\u010duji obr\u00e1tit se p\u0159\u00edmo na n\u011bkoho z poji\u0161\u0165ovny nebo sv\u00e9ho finan\u010dn\u00edho poradce. Pokud nikoho takov\u00e9ho nem\u00e1te, m\u016f\u017eete vyu\u017e\u00edt internetov\u00e9 kalkula\u010dky. Ov\u0161em nejsou zde uv\u00e1d\u011bny v\u0161echny poji\u0161\u0165ovny. Proto si na pap\u00edr sepi\u0161te, co konkr\u00e9tn\u011b od poji\u0161\u0165ovny a poji\u0161t\u011bn\u00ed po\u017eadujete. Poji\u0161t\u011bn\u00ed toti\u017e nenab\u00edz\u00ed jen poji\u0161\u0165ovny, ale n\u011bkter\u00e9 typy poji\u0161t\u011bn\u00ed m\u016f\u017eete naj\u00edt i t\u0159eba u sv\u00e9 banky.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se vyznat v poji\u0161\u0165ovn\u00e1ch?","item":"https:\/\/www.zerba.cz\/jak-se-vyznat-v-pojistovnach\/#breadcrumbitem"}]}]