[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/jedna-smlouva-vyhody-i-nevyhody\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/jedna-smlouva-vyhody-i-nevyhody\/","headline":"Jedna smlouva, v\u00fdhody i nev\u00fdhody","name":"Jedna smlouva, v\u00fdhody i nev\u00fdhody","description":"B\u011b\u017enou prax\u00ed poji\u0161\u0165ovac\u00edch \u00fastav\u016f je seps\u00e1n\u00ed jedn\u00e9 smlouvy pro v\u0161echny \u010dleny rodiny, i kdy\u017e se nemus\u00ed jednat o p\u0159\u00edm\u00e9 p\u0159\u00edbuzn\u00e9. Jako v\u0161e, i tato varianta m\u00e1 svoje klady a z\u00e1pory. Uzav\u0159en\u00ed jedn\u00e9 smlouvy je jist\u011b m\u00e9n\u011b n\u00e1kladn\u00e9, ale z\u00e1rove\u0148 je takov\u00e1 pojistka m\u00e9n\u011b v\u00fdhodn\u00e1, co se t\u00fd\u010de jeho spravov\u00e1n\u00ed. Klady Bezesporu je pozitivem pouze jedna &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/jedna-smlouva-vyhody-i-nevyhody\/\"> <span class=\"screen-reader-text\">Jedna smlouva, v\u00fdhody i nev\u00fdhody<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-18","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_a315641_w1729_t1526501496.png","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a315641_w1729_t1526501496.png","height":"","width":""},"url":"https:\/\/www.zerba.cz\/jedna-smlouva-vyhody-i-nevyhody\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":432,"articleBody":"\tB\u011b\u017enou prax\u00ed poji\u0161\u0165ovac\u00edch \u00fastav\u016f je seps\u00e1n\u00ed jedn\u00e9 smlouvy pro v\u0161echny \u010dleny rodiny, i kdy\u017e se nemus\u00ed jednat o p\u0159\u00edm\u00e9 p\u0159\u00edbuzn\u00e9. Jako v\u0161e, i tato varianta m\u00e1 svoje klady a z\u00e1pory. Uzav\u0159en\u00ed jedn\u00e9 smlouvy je jist\u011b m\u00e9n\u011b n\u00e1kladn\u00e9, ale z\u00e1rove\u0148 je takov\u00e1 pojistka m\u00e9n\u011b v\u00fdhodn\u00e1, co se t\u00fd\u010de jeho spravov\u00e1n\u00ed.\t\tKlady\tBezesporu je pozitivem pouze jedna smlouva a jeden p\u0159\u00edkaz k&nbsp;platb\u011b, z\u00edsk\u00e1n\u00ed co nejni\u017e\u0161\u00edho pojistn\u00e9ho, stejn\u011b tak m\u016f\u017eete p\u0159i uzav\u0159en\u00ed jedin\u00e9 pojistky obdr\u017eet v\u00fdraznou slevu. Stane se tak, \u017ee do jedn\u00e9 smlouvy jsou zahrnuti dosp\u011bl\u00ed i d\u011bti. Pokud se t\u00fdk\u00e1 da\u0148ov\u00fdch \u00falev, m\u016f\u017ee je uplatnit pouze pojistn\u00edk, kter\u00fd je z\u00e1rove\u0148 i s\u00e1m poji\u0161t\u011bn.\tZ\u00e1pory\tPokud si chcete d\u00e1vat n\u011bjak\u00e9 finan\u010dn\u00ed prost\u0159edky stranou, nen\u00ed zrovna tou spr\u00e1vnou volnou spo\u0159en\u00ed k&nbsp;uzav\u0159en\u00e9 pojistn\u00e9 smlouv\u011b, stejn\u00e9 je to i v&nbsp;p\u0159\u00edpad\u011b, \u017ee m\u00e1te mo\u017enost vyu\u017e\u00edt poskytovan\u00e9ho p\u0159\u00edsp\u011bvku ze sv\u00e9ho zam\u011bstn\u00e1n\u00ed, vhodn\u011bj\u0161\u00ed variantou je penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed.\tRozvod\tDal\u0161\u00ed probl\u00e9m m\u016f\u017ee nastat p\u0159i rozvodu man\u017eelstv\u00ed, kdy je problematick\u00e1 domluva mezi partnery, kte\u0159\u00ed se rozch\u00e1z\u00ed. V&nbsp;nejhor\u0161\u00edm p\u0159\u00edpad\u011b m\u016f\u017ee doj\u00edt k&nbsp;tomu, \u017ee ten druh\u00fd z&nbsp;dvojice, kter\u00fd byl pouze poji\u0161t\u011bn\u00fd, o poji\u0161t\u011bn\u00ed p\u0159ijde.\t\tCo kdy\u017e d\u011bti dosp\u011bj\u00ed\tD\u011bti jsou dosp\u011bl\u00e9 podle z\u00e1kona v&nbsp;osmn\u00e1cti letech, ale v\u011bt\u0161ina z&nbsp;nich je\u0161t\u011b dlouhou dobu &nbsp;z\u016fst\u00e1v\u00e1 u sv\u00fdch rodi\u010d\u016f a tomu jsou tak\u00e9 p\u0159izp\u016fsobeny pojistn\u00e9 smlouvy, kter\u00e9 nab\u00edz\u00ed v\u00fdhody tarif\u016f stanoven\u00fdch pro d\u011bti vyu\u017e\u00edt i v&nbsp;pozd\u011bj\u0161\u00edm v\u011bku (maxim\u00e1ln\u00ed v\u011bk je do dosa\u017een\u00ed dvaceti \u0161esti let). S&nbsp;pot\u0159ebami rodiny se tak m\u011bn\u00ed i n\u00e1roky na pojistnou smlouvu. Pokud do budoucna uva\u017eujete o zm\u011bn\u00e1ch ve st\u00e1vaj\u00edc\u00ed smlouv\u011b, po\u010d\u00edtejte s&nbsp;t\u00edm, \u017ee bude posuzov\u00e1n zdravotn\u00ed stav poji\u0161\u0165ovan\u00fdch osob a \u017ee tak\u00e9 m\u016f\u017ee vzr\u016fst cena pojistn\u00e9ho.\tV&nbsp;n\u011bkter\u00fdch p\u0159\u00edpadech lze smlouvu p\u0159epsat z&nbsp;pojistn\u00edka na dal\u0161\u00edho poji\u0161t\u011bn\u00e9ho, ne ale ve v\u0161ech p\u0159\u00edpadech, v&nbsp;ostatn\u00edch pak mus\u00ed b\u00fdt smlouva ukon\u010dena.                                                                                                                                                                                                                                                                                                                                                                                                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