[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pojisteni-pujcky-a-uveru\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pojisteni-pujcky-a-uveru\/","headline":"Poji\u0161t\u011bn\u00ed p\u016fj\u010dky a \u00fav\u011bru","name":"Poji\u0161t\u011bn\u00ed p\u016fj\u010dky a \u00fav\u011bru","description":"Poji\u0161t\u011bn\u00ed p\u016fj\u010dky a \u00fav\u011bru, co vlastn\u011b znamen\u00e1? O jak\u00e9 poji\u0161t\u011bn\u00ed se to jedn\u00e1? Kdy\u017e se \u0159ekne poji\u0161t\u011bn\u00ed \u00fav\u011bru, pak se jedn\u00e1 o mo\u017enost pojistit si \u00fav\u011br pro p\u0159\u00edpad, \u017ee jej nebudete moci spl\u00e1cet. Poji\u0161t\u011bn\u00ed m\u00e1 klient\u016fm usnadnit spl\u00e1cen\u00ed a sn\u00ed\u017eit starosti. Ka\u017ed\u00fd si toti\u017e d\u011bl\u00e1 starosti s&nbsp;t\u00edm, co bude d\u011blat v&nbsp;p\u0159\u00edpad\u011b, kdy\u017e nebude moci spl\u00e1cet. &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pojisteni-pujcky-a-uveru\/\"> <span class=\"screen-reader-text\">Poji\u0161t\u011bn\u00ed p\u016fj\u010dky a \u00fav\u011bru<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-18","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}},"url":"https:\/\/www.zerba.cz\/pojisteni-pujcky-a-uveru\/","about":["P\u016fj\u010dky"],"wordCount":460,"articleBody":"Poji\u0161t\u011bn\u00ed p\u016fj\u010dky a \u00fav\u011bru, co vlastn\u011b znamen\u00e1? O jak\u00e9 poji\u0161t\u011bn\u00ed se to jedn\u00e1? Kdy\u017e se \u0159ekne poji\u0161t\u011bn\u00ed \u00fav\u011bru, pak se jedn\u00e1 o mo\u017enost pojistit si \u00fav\u011br pro p\u0159\u00edpad, \u017ee jej nebudete moci spl\u00e1cet. Poji\u0161t\u011bn\u00ed m\u00e1 klient\u016fm usnadnit spl\u00e1cen\u00ed a sn\u00ed\u017eit starosti. Ka\u017ed\u00fd si toti\u017e d\u011bl\u00e1 starosti s&nbsp;t\u00edm, co bude d\u011blat v&nbsp;p\u0159\u00edpad\u011b, kdy\u017e nebude moci spl\u00e1cet. Od toho jsou zde pr\u00e1v\u011b tato poji\u0161t\u011bn\u00ed. Poji\u0161t\u011bn\u00ed \u00fav\u011bru m\u016f\u017eete prov\u00e9st po uzav\u0159en\u00ed smlouvy, v\u011bt\u0161inou do n\u011bkolika m\u011bs\u00edc\u016f. T\u00edm p\u00e1dem si m\u016f\u017eete trochu oddychnout. Pokud budete m\u00edt v\u00fdpadek, nezat\u00ed\u017e\u00ed to va\u0161e bl\u00edzk\u00e9 a jste poji\u0161t\u011bn\u00ed. Jist\u011b se budete pt\u00e1t tak\u00e9 na cenu. Tu v\u00e1m nikdo nevypo\u010d\u00edt\u00e1 p\u0159edem, proto\u017ee se odv\u00edj\u00ed v\u011bt\u0161inou od v\u00fd\u0161e spl\u00e1tky. Podle toho se ur\u010duje, jak\u00e1 bude v\u00fd\u0161e poji\u0161t\u011bn\u00ed.T\u00edmto zp\u016fsobem si m\u016f\u017eete pojistit jak p\u016fj\u010dku, tak i \u00fav\u011br. D\u00e1 se tedy pojistit na hypot\u00e9ku, na b\u011b\u017enou p\u016fj\u010dku, spot\u0159ebitelsk\u00fd \u00fav\u011br a dal\u0161\u00ed a dal\u0161\u00ed produkty. Poji\u0161t\u011bn\u00ed se d\u00e1 vy\u0159\u00eddit tak\u00e9 ihned p\u0159i vy\u0159izov\u00e1n\u00ed p\u016fj\u010dky nebo \u00fav\u011bru. Pojistit se tedy m\u016f\u017ee ka\u017ed\u00fd.\tJak to cel\u00e9 funguje?V&nbsp;podstat\u011b se jedn\u00e1 o to, \u017ee banka, u kter\u00e9 m\u00e1te sjednan\u00e9 poji\u0161t\u011bn\u00ed, za V\u00e1s v&nbsp;p\u0159\u00edpad\u011b neschopnosti spl\u00e1cet bude vypl\u00e1cet pot\u0159ebnou \u010d\u00e1stku &ndash; nap\u0159\u00edklad m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku \u00fav\u011bru. Poji\u0161t\u011bn\u00ed tak\u00e9 m\u016f\u017eeme ch\u00e1pat jako pojistn\u00e9 kryt\u00ed, kter\u00e9 vznikne n\u00e1sledkem smrti, \u00farazu, p\u0159i pracovn\u00ed neschopnosti, p\u0159i invalidit\u011b nebo v&nbsp;r\u00e1mci hospitalizace. Poji\u0161t\u011bn\u00ed se \u0159e\u0161\u00ed v\u011bt\u0161inou v&nbsp;p\u0159\u00edpad\u011b dlouhodob\u011bj\u0161\u00ed p\u016fj\u010dky. V&nbsp;p\u0159\u00edpad\u011b, \u017ee klient se dostane do situace, kdy nebude moci n\u011bkolik m\u011bs\u00edc\u016f spl\u00e1cet sv\u00e9 z\u00e1vazky, kv\u016fli vznikl\u00e9 situaci, kv\u016fli nemoci, \u00farazu, hospitalizaci, pak je poji\u0161t\u011bn\u00ed na m\u00edst\u011b a chr\u00e1n\u00ed klienta v&nbsp;takov\u00fdch p\u0159\u00edpadech, kdy nen\u00ed schopen spl\u00e1cet sv\u00e9 dluhy. M\u016f\u017ee se jednat o p\u00e1r t\u00fddn\u016f pracovn\u00ed neschopnosti ale tak\u00e9 o n\u011bkolik m\u011bs\u00edc\u016f, od toho je zde poji\u0161t\u011bn\u00ed. V&nbsp;p\u0159\u00edpad\u011b zru\u0161en\u00ed v\u0161ak m\u016f\u017eete narazit na vysok\u00e9 poplatky. Ani poji\u0161t\u011bn\u00ed toti\u017e nen\u00ed zadarmo. Poji\u0161t\u011bn\u00ed se plat\u00ed zvl\u00e1\u0161\u0165 a jeho \u010d\u00e1stku v\u00e1m sd\u011bl\u00ed banka.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poji\u0161t\u011bn\u00ed p\u016fj\u010dky a \u00fav\u011bru","item":"https:\/\/www.zerba.cz\/pojisteni-pujcky-a-uveru\/#breadcrumbitem"}]}]