[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pojistovny-2\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pojistovny-2\/","headline":"Poji\u0161\u0165ovny","name":"Poji\u0161\u0165ovny","description":"Ka\u017ed\u00fd z n\u00e1s sice zn\u00e1 slovo poji\u0161\u0165ovna, ale mnohdy v\u016fbec netu\u0161\u00ed, co to vlastn\u011b je. Obecn\u011b je poji\u0161\u0165ovna pova\u017eov\u00e1na za finan\u010dn\u00ed instituci, kter\u00e1 na z\u00e1klad\u011b smlouvy kryje rizika, mezi kter\u00e1 m\u016f\u017ee pat\u0159it nap\u0159\u00edklad \u00faraz na dovolen\u00e9 nebo cokoliv jin\u00e9ho. M\u00e1 za \u00fakol propl\u00e1cet n\u00e1hradu \u0161kody nebo alespo\u0148 jej\u00ed \u010d\u00e1st. Poji\u0161t\u011bn\u00ed na n\u011bkter\u00e1 rizika jsou povinn\u00e1 &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pojistovny-2\/\"> <span class=\"screen-reader-text\">Poji\u0161\u0165ovny<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2023-04-29","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_a309181_w2000_t1520188656.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a309181_w2000_t1520188656.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/pojistovny-2\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":473,"articleBody":"\tKa\u017ed\u00fd z n\u00e1s sice zn\u00e1 slovo poji\u0161\u0165ovna, ale mnohdy v\u016fbec netu\u0161\u00ed, co to vlastn\u011b je. Obecn\u011b je poji\u0161\u0165ovna pova\u017eov\u00e1na za finan\u010dn\u00ed instituci, kter\u00e1 na z\u00e1klad\u011b smlouvy kryje rizika, mezi kter\u00e1 m\u016f\u017ee pat\u0159it nap\u0159\u00edklad \u00faraz na dovolen\u00e9 nebo cokoliv jin\u00e9ho. M\u00e1 za \u00fakol propl\u00e1cet n\u00e1hradu \u0161kody nebo alespo\u0148 jej\u00ed \u010d\u00e1st.\t\tPoji\u0161t\u011bn\u00ed na n\u011bkter\u00e1 rizika jsou povinn\u00e1 a to ze samotn\u00e9ho z\u00e1kona. Pat\u0159\u00ed mezi to nap\u0159\u00edklad zdravotn\u00ed poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed pracovn\u00edch \u00faraz\u016f apod. Na\u0161li byste jich docela dost. Na jednu stranu si sice \u010dlov\u011bk \u0159\u00edk\u00e1, na co pot\u0159ebuje tolik poji\u0161t\u011bn\u00ed, ale ve v\u00fdsledku je to vlastn\u011b jen a jen dob\u0159e, proto\u017ee nikdy nev\u00edte, co se m\u016f\u017ee st\u00e1t.\tSou\u010d\u00e1st\u00ed ka\u017ed\u00e9 smlouvy b\u00fdvaj\u00ed v\u0161eobecn\u00e9 podm\u00ednky, kter\u00e9 je d\u016fle\u017eit\u00e9 si p\u0159edem v\u017edy po\u0159\u00e1dn\u011b pro\u010d\u00edst. Vyd\u00e1v\u00e1 je Ministerstvo financ\u00ed a poji\u0161\u0165ovny se jich prost\u011b mus\u00ed dr\u017eet.\tAby v\u016fbec mohla n\u011bjak\u00e9 poji\u0161\u0165ovna nap\u0159\u00edklad u n\u00e1s v&nbsp;\u010cesk\u00e9 republice vzniknout, je d\u016fle\u017eit\u00e9, aby byl vstupn\u00ed kapit\u00e1l ve v\u00fd\u0161i 69 &ndash; 200 mili\u00f3n\u016f korun. Ka\u017ed\u00e1 poji\u0161\u0165ovna mus\u00ed b\u00fdt u\u017e ze samotn\u00e9ho za\u010d\u00e1tku dostate\u010dn\u011b vybavena, aby mohla hned vypl\u00e1cet pojistn\u00e9 pln\u011bn\u00ed.\tMohou m\u00edt formu nap\u0159\u00edklad akciov\u00e9 spole\u010dnosti, dru\u017estva nebo dokonce i st\u00e1tn\u00edho podniku. Dokonce i u n\u00e1s se mohou vyskytovat zahrani\u010dn\u00ed poji\u0161\u0165ovny, tak\u017ee nebu\u010fte p\u0159ekvapeni t\u00edm, kdy\u017e n\u011bjakou zahl\u00e9dnete.\tP\u0159ekvapen\u00edm pro n\u011bkter\u00e9 m\u016f\u017ee b\u00fdt i to, \u017ee ur\u010dit\u00fd druh poji\u0161t\u011bn\u00ed mohou poskytovat banky nebo spo\u0159itelny.\tCelkov\u00fd po\u010det poji\u0161\u0165oven v&nbsp;\u010cR je okolo 200&nbsp;000, tak\u017ee nen\u00ed divu, \u017ee \u010dlov\u011bk mnohdy ani nev\u00ed, ke kter\u00e9 poji\u0161\u0165ovn\u011b by se zaregistroval. \u010casto jsou jako rozhoduj\u00edc\u00ed faktory podm\u00ednky a mo\u017enosti, kter\u00e9 poji\u0161\u0165ovny nab\u00edz\u00ed.\t\tMezi ty nejzn\u00e1m\u011bj\u0161\u00ed bychom mohli za\u0159adit Allianz poji\u0161\u0165ovnu, \u010ceskou poji\u0161\u0165ovnu, Generali, Komer\u010dn\u00ed a mnoh\u00e9 dal\u0161\u00ed.\tMezi zahrani\u010dn\u00ed pobo\u010dky bychom pot\u00e9 mohli za\u0159adit nap\u0159\u00edklad Basler Sachversicherungs &ndash; Aktiengesellschaft, INTER PARTNER ASSISTANCE, Union pois\u0165ov\u0148a, a.s. apod.\tMysl\u00edte si, \u017ee poji\u0161\u0165ovna, u kter\u00e9 se moment\u00e1ln\u011b nach\u00e1z\u00edte je tou nejlep\u0161\u00ed, a byli byste ochotn\u00ed ji doporu\u010dit ostatn\u00edm? Ur\u010dit\u011b pom\u016f\u017ee, kdy\u017e k&nbsp;va\u0161\u00ed poji\u0161\u0165ovn\u011b nap\u00ed\u0161ete kladnou recenzi, kter\u00e1 pom\u016f\u017ee t\u011bm, kte\u0159\u00ed se rozhoduj\u00ed, k&nbsp;jak\u00e9 poji\u0161\u0165ovn\u011b se p\u0159idat. M\u016f\u017eete t\u00edm tak ud\u011blat dobr\u00fd skutek, za kter\u00fd v\u00e1m bude ka\u017ed\u00fd ur\u010dit\u011b vd\u011b\u010dn\u00fd.                                                                                                                                                                                                                                                                                                                                                                                                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