[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pojistky-ze-kterych-nic-nebude\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pojistky-ze-kterych-nic-nebude\/","headline":"Pojistky, ze kter\u00fdch nic nebude!","name":"Pojistky, ze kter\u00fdch nic nebude!","description":"V posledn\u00edch letech doch\u00e1z\u00ed \u010dasto k situac\u00edm, kdy z\u00e1kazn\u00edci ke koupi r\u016fzn\u00fdch produkt\u016f z\u0159izuj\u00ed tak\u00e9 pojistky. Takov\u00e9 poji\u0161t\u011bn\u00ed b\u00fdv\u00e1 uzav\u0159eno b\u011bhem n\u011bkolika m\u00e1lo minut, m\u00e1lokdy dojde k tomu, \u017ee z\u00e1kazn\u00edk m\u00e1 na studium podm\u00ednek poji\u0161t\u011bn\u00ed des\u00edtky minut, nato\u017e hodiny. \u010casto se jedn\u00e1 i o koupi nemovitost\u00ed v \u0159\u00e1dech milion\u016f korun, kdy \u010dlov\u011bk pe\u010dliv\u00e9 zkoum\u00e1 kupn\u00ed &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pojistky-ze-kterych-nic-nebude\/\"> <span class=\"screen-reader-text\">Pojistky, ze kter\u00fdch nic nebude!<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2017-08-26","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_a298730_w1990_t1508996575.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a298730_w1990_t1508996575.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/pojistky-ze-kterych-nic-nebude\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":530,"articleBody":"\tV posledn\u00edch letech doch\u00e1z\u00ed \u010dasto k situac\u00edm, kdy z\u00e1kazn\u00edci ke koupi r\u016fzn\u00fdch produkt\u016f z\u0159izuj\u00ed tak\u00e9 pojistky.\tTakov\u00e9 poji\u0161t\u011bn\u00ed b\u00fdv\u00e1 uzav\u0159eno b\u011bhem n\u011bkolika m\u00e1lo minut, m\u00e1lokdy dojde k tomu, \u017ee z\u00e1kazn\u00edk m\u00e1 na studium podm\u00ednek poji\u0161t\u011bn\u00ed des\u00edtky minut, nato\u017e hodiny. \u010casto se jedn\u00e1 i o koupi nemovitost\u00ed v \u0159\u00e1dech milion\u016f korun, kdy \u010dlov\u011bk pe\u010dliv\u00e9 zkoum\u00e1 kupn\u00ed smlouvu, \u00fav\u011brovou smlouvu, podm\u00ednky k \u00fav\u011brov\u00e9 smlouv\u011b. Plat\u00ed si za t\u00edmto \u00fa\u010delem tak\u00e9 pr\u00e1vn\u00edky, finan\u010dn\u00ed poradce a dal\u0161\u00ed odborn\u00edky t\u0159eba z realitn\u00edch kancel\u00e1\u0159\u00ed, aby opravdu nenalet\u011bl.\t\tSamoz\u0159ejm\u011b mus\u00edme br\u00e1t v \u00favahu, \u017ee ka\u017ed\u00e1 smlouva a ka\u017ed\u00fd typ smlouvy m\u00e1 ur\u010dit\u00e1 pravidla, rozsah a nastaven\u00ed pojistn\u00fdch pln\u011bn\u00ed.\tProto je pot\u0159eba v\u017edy spr\u00e1vn\u011b nastavit \u010d\u00e1stky, rozsah p\u0159ipoji\u0161t\u011bn\u00ed a dal\u0161\u00ed \u00fadaje o osob\u011b poji\u0161t\u011bn\u00e9ho nebo majetku, kter\u00fd poji\u0161\u0165ujeme. Spr\u00e1vn\u011b pozna\u010den\u00e9 informace pak ur\u010d\u00ed nejen v\u00fd\u0161i ro\u010dn\u00edho \u010di m\u011bs\u00ed\u010dn\u00edho pojistn\u00e9ho, ale tak\u00e9 v\u00fd\u0161i budouc\u00edho od\u0161kodn\u011bn\u00ed \u010di pln\u011bn\u00ed.\t\u010casto lid\u00e9 ne\u0159\u00edkaj\u00ed \u00fapln\u00e9 informace nebo se jen sna\u017e\u00ed sn\u00ed\u017eit pravidelnou platbu ne\u0159\u00edkaj\u00ed kompletn\u00ed. Ve skute\u010dnosti by se v\u0161ak m\u011bli pr\u00e1v\u011b pt\u00e1t, jakou ochranu na jak\u00e1 rizika si kupuj\u00ed.\tPokud si \u010dlov\u011bk pak zaji\u0161\u0165uje majetek na milionov\u00e9 \u010d\u00e1stky s t\u00edm, \u017ee mu budou finance v p\u0159\u00edpad\u011b \u0161kody vyplaceny, mus\u00ed po\u010d\u00edtat s t\u00edm, \u017ee za to samoz\u0159ejm\u011b bude n\u011bco platit. V \u010cesk\u00e9 republice se st\u00e1le d\u00e1 naj\u00edt n\u011bkolik tis\u00edcovek smluv, kter\u00e9 nejsou aktualizovan\u00e9 a zaji\u0161\u0165uj\u00ed tedy majetek ni\u017e\u0161\u00ed v\u00fd\u0161e, ne\u017e je jeho skute\u010dn\u00e1 hodnota.\tPotom se pr\u00e1v\u011b m\u016f\u017ee st\u00e1t, \u017ee v moment\u011b, kdy se n\u011bco p\u0159ihod\u00ed, bude se v\u00fdrazn\u011b kr\u00e1tit pr\u00e1v\u011b pojistn\u00e9 pln\u011bn\u00ed.\tTo sam\u00e9 se t\u00fdk\u00e1 samoz\u0159ejm\u011b i poji\u0161t\u011bn\u00ed osob!\t\tSmlouvy, kter\u00e9 vypadaj\u00ed jako smlouvy pojistn\u00e9 maj\u00ed v\u0161ak tak\u00e9 velk\u00e1 \u00faskal\u00ed, kter\u00fdm nemus\u00ed ka\u017ed\u00fd v\u011bd\u011bt. Nap\u0159\u00edklad se uzav\u00edraj\u00ed smlouvy pro rodiny a zaji\u0161t\u011bn\u00ed je tam v p\u0159\u00edpad\u011b smrti na t\u0159icet tis\u00edc korun i m\u00e9n\u011b. Zbytek platby se pak investuje n\u011bkam, kde z toho nakonec nic nen\u00ed a je\u0161t\u011b ve smlouv\u011b je tato investice do nestabiln\u00edch fond\u016f ozna\u010dena jako spo\u0159en\u00ed. D\u00e1 se v podstat\u011b \u0159\u00edci, \u017ee klient nen\u00ed v\u016fbec poji\u0161t\u011bn, proto\u017ee deset tis\u00edc v p\u0159\u00edpad\u011b \u00famrt\u00ed poz\u016fstal\u00fdm nepokryje ani n\u00e1klady na poh\u0159eb.\t&nbsp;\tProto v\u017edy dbejte na to, a\u0165 m\u00e1te pojistky spr\u00e1vn\u011b uzav\u0159en\u00e9, a\u0165 jim rozum\u00edte, a\u0165 v\u00edte, co v\u00e1m vyplat\u00ed poji\u0161\u0165ovna a v jak\u00e9m p\u0159\u00edpad\u011b a hlavn\u011b se nebojte investovat do sv\u00fdch m\u011bs\u00ed\u010dn\u00edch \u010di ro\u010dn\u00edch plateb pr\u00e1v\u011b z toho d\u016fvodu, \u017ee se v\u00e1m p\u00e1r stovek ro\u010dn\u011b m\u016f\u017ee \u0161eredn\u011b nevyplatit.                                                                                                                                                                                                                                                                                                                                                                                                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