[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/vite-co-smite-a-nesmite\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/vite-co-smite-a-nesmite\/","headline":"V\u00edte, co \u201esm\u00edte a nesm\u00edte\u201c?","name":"V\u00edte, co \u201esm\u00edte a nesm\u00edte\u201c?","description":" Poji\u0161\u0165ovnictv\u00ed je s\u00e1m o sob\u011b pom\u011brn\u011b slo\u017eit\u00fd obor ve v\u0161ech ohledech a m\u00e1 n\u011bkolik mo\u017enost\u00ed, jak se d\u00e1 d\u011blit. Jedno ze z\u00e1sadn\u00edch mo\u017enost\u00ed, jak se d\u00e1 poji\u0161\u0165ovnictv\u00ed d\u011blit, je na povinn\u00e9 a dobrovoln\u00e9 poji\u0161t\u011bn\u00ed. Spousta lid\u00ed zapom\u00edn\u00e1, \u017ee st\u00e1t (kter\u00fd v\u011bt\u0161inou managment t\u011bchto poji\u0161t\u011bn\u00ed odbude s\u00e1m) ukl\u00e1d\u00e1 ob\u010dan\u016fm n\u011bkter\u00e1 povinn\u00e1 poji\u0161t\u011bn\u00ed, kter\u00e1 si mnohdy sami …

V\u00edte, co \u201esm\u00edte a nesm\u00edte\u201c?<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2021-06-09","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\/vite-co-smite-a-nesmite\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":579,"articleBody":" Poji\u0161\u0165ovnictv\u00ed je s\u00e1m o sob\u011b pom\u011brn\u011b slo\u017eit\u00fd obor ve v\u0161ech ohledech a m\u00e1 n\u011bkolik mo\u017enost\u00ed, jak se d\u00e1 d\u011blit. Jedno ze z\u00e1sadn\u00edch mo\u017enost\u00ed, jak se d\u00e1 poji\u0161\u0165ovnictv\u00ed d\u011blit, je na povinn\u00e9 a dobrovoln\u00e9 poji\u0161t\u011bn\u00ed. Spousta lid\u00ed zapom\u00edn\u00e1, \u017ee st\u00e1t (kter\u00fd v\u011bt\u0161inou managment t\u011bchto poji\u0161t\u011bn\u00ed odbude s\u00e1m) ukl\u00e1d\u00e1 ob\u010dan\u016fm n\u011bkter\u00e1 povinn\u00e1 poji\u0161t\u011bn\u00ed, kter\u00e1 si mnohdy sami neplat\u00ed, ale je to pouze jejich chyba, pokud zjist\u00ed, \u017ee nap\u0159. i n\u011bkolik let nebyla jejich poji\u0161t\u011bn\u00ed placena.Z\u00e1konn\u00e1 poji\u0161t\u011bn\u00ed jsou 4:·         Soci\u00e1ln\u00ed Star\u00e1 se p\u0159edev\u0161\u00edm o soci\u00e1ln\u00ed str\u00e1nku lidsk\u00e9ho \u017eivota, jak u\u017e vypov\u00edd\u00e1 s\u00e1m n\u00e1zev. Pom\u00e1h\u00e1 zejm\u00e9na v t\u011b\u017e\u0161\u00edch (finan\u010dn\u011b) \u017eivotn\u00edch situac\u00edch jako je ztr\u00e1ta zam\u011bstn\u00e1n\u00ed, st\u00e1\u0159\u00ed, invalidita, nemoc \u010di v\u00fdchova d\u011bt\u00ed, kdy z pen\u011bz da\u0148ov\u00fdch poplatn\u00edk\u016f je vypl\u00e1cen\u00e1 takov\u00e1 \u010d\u00e1stka, kter\u00e1 odpov\u00edd\u00e1 takov\u00e9 v\u00fd\u0161i, kter\u00e1 je ozna\u010dena jako mo\u017en\u00e1 nejni\u017e\u0161\u00ed dostate\u010dn\u00e1 k \u017eivotn\u00edmu minimu. V\u011bt\u0161inou \u00fazce souvis\u00ed se zam\u011bstn\u00e1n\u00edm nejen kv\u016fli v\u00fd\u0161i platu (z kter\u00e9ho b\u00fdvaj\u00ed i soci\u00e1ln\u00ed d\u00e1vky vypo\u010d\u00edt\u00e1v\u00e1ny), ale i proto, \u017ee je z hrub\u00e9ho platu strh\u00e1v\u00e1na.·         Zdravotn\u00ed Toto poji\u0161t\u011bn\u00ed m\u00e1 mnoho nev\u00fdhod a nen\u00ed to poji\u0161t\u011bn\u00ed v prav\u00e9m slova smyslu (kdyby bylo, platila by se \u010d\u00e1stka podle toho, jak moc je doty\u010dn\u00fd „rizikov\u00fd“ pro poji\u0161\u0165ovnu a ne podle v\u00fd\u0161e platu), p\u0159esto pro mnoho lid\u00ed p\u0159inese mnoho komplikac\u00ed. Z tohoto poji\u0161t\u011bn\u00ed je zaplacena ve\u0161ker\u00e1 zdravotn\u00ed p\u00e9\u010de, tud\u00ed\u017e pokud se poji\u0161t\u011bn\u00ed neplat\u00ed (co\u017e je povinn\u00e9, ale nap\u0159. pokud jste nezam\u011bstnan\u00ed a nejste vedeni na \u00fa\u0159adu pr\u00e1ce), v\u00fdlohy za l\u00e9ka\u0159skou p\u00e9\u010di se za roky neplacen\u00ed mohou vy\u0161plhat do astronomick\u00fdch v\u00fd\u0161in – a to b\u00fdv\u00e1 v\u011bt\u0161inou teprve ta chv\u00edle, kdy se na cel\u00fd probl\u00e9m p\u0159ijde. Na rozd\u00edl od soci\u00e1ln\u00edho poji\u0161t\u011bn\u00ed, toto poji\u0161t\u011bn\u00ed plat\u00ed bu\u010f zam\u011bstnavatel, nebo st\u00e1t (to i v p\u0159\u00edpad\u011b d\u011bt\u00ed a student\u016f \u010di nezam\u011bstnan\u00fdch).·         Poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla Zn\u00e1m\u00e9 tak\u00e9 jako povinn\u00e9 ru\u010den\u00ed nebo zelen\u00e1 karta. Toto poji\u0161t\u011bn\u00ed je povinn\u00e9 pro ka\u017ed\u00e9 vozidlo, kter\u00e9 se v \u010cesk\u00e9 republice pohybuje na pozemn\u00edch komunikac\u00edch. Jeho \u00fa\u010delem je ochrana zdrav\u00ed a majetku t\u0159et\u00edch osob, jimi\u017e byla provozem vozidla zap\u0159\u00ed\u010din\u011bna \u0161koda. Toto poji\u0161t\u011bn\u00ed si v\u011bt\u0161inou obstar\u00e1v\u00e1 bu\u010f vlastn\u00edk, nebo provozovatel vozidla – nicm\u00e9n\u011b vozidlo bez n\u011bho na silnice nem\u016f\u017ee. Odpov\u011bdnou osobou v t\u00e9to smlouv\u011b nemus\u00ed b\u00fdt nutn\u011b nap\u0159. majitel, proto\u017ee se vztahuje na toho, kdo je ve smlouv\u011b uveden bez ohledu na vztah k autu.·         Poji\u0161t\u011bn\u00ed \u00faraz\u016f a nemoc\u00ed zam\u011bstnanc\u016f z povol\u00e1n\u00ed "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u00edte, co \u201esm\u00edte a nesm\u00edte\u201c?","item":"https:\/\/www.zerba.cz\/vite-co-smite-a-nesmite\/#breadcrumbitem"}]}]