[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/vyplati-se-pojisteni-proti-neschopnosti-splacet-hypotecni-uver\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/vyplati-se-pojisteni-proti-neschopnosti-splacet-hypotecni-uver\/","headline":"Vyplat\u00ed se poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet hypote\u010dn\u00ed \u00fav\u011br?","name":"Vyplat\u00ed se poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet hypote\u010dn\u00ed \u00fav\u011br?","description":"V\u011bt\u0161ina specialist\u016f z&nbsp;oblasti finan\u010dnictv\u00ed se shoduje na tom, \u017ee takov\u00e9 poji\u0161t\u011bn\u00ed v\u00fdhodn\u00e9 nen\u00ed. Jedn\u00edm z&nbsp;d\u016fvod\u016f je tzv. v\u00fdjimka v&nbsp;pojistn\u00e9m pln\u011bn\u00ed zakotven\u00e1 v&nbsp;pojistn\u00e9 smlouv\u011b. Odborn\u00edci \u010dasto varuj\u00ed p\u0159ed t\u00edm, \u017ee pravd\u011bpodobnost, \u017ee by poji\u0161\u0165ovna hradila pojistn\u00e9 pln\u011bn\u00ed v&nbsp;p\u0159\u00edpad\u011b jak\u00e9hokoliv dramatick\u00e9ho z\u00e1v\u011bru, je velice mal\u00e1. Probl\u00e9m tkv\u00ed tak\u00e9 v&nbsp;tom, \u017ee se tato specifick\u00e1 pojistka vztahuje p\u0159\u00edmo k&nbsp;samotn\u00e9mu &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/vyplati-se-pojisteni-proti-neschopnosti-splacet-hypotecni-uver\/\"> <span class=\"screen-reader-text\">Vyplat\u00ed se poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet hypote\u010dn\u00ed \u00fav\u011br?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-27","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_a309057_w1729_t1520023528.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a309057_w1729_t1520023528.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/vyplati-se-pojisteni-proti-neschopnosti-splacet-hypotecni-uver\/","about":["Hypot\u00e9ky"],"wordCount":521,"articleBody":"\tV\u011bt\u0161ina specialist\u016f z&nbsp;oblasti finan\u010dnictv\u00ed se shoduje na tom, \u017ee takov\u00e9 poji\u0161t\u011bn\u00ed v\u00fdhodn\u00e9 nen\u00ed. Jedn\u00edm z&nbsp;d\u016fvod\u016f je tzv. v\u00fdjimka v&nbsp;pojistn\u00e9m pln\u011bn\u00ed zakotven\u00e1 v&nbsp;pojistn\u00e9 smlouv\u011b. Odborn\u00edci \u010dasto varuj\u00ed p\u0159ed t\u00edm, \u017ee pravd\u011bpodobnost, \u017ee by poji\u0161\u0165ovna hradila pojistn\u00e9 pln\u011bn\u00ed v&nbsp;p\u0159\u00edpad\u011b jak\u00e9hokoliv dramatick\u00e9ho z\u00e1v\u011bru, je velice mal\u00e1. Probl\u00e9m tkv\u00ed tak\u00e9 v&nbsp;tom, \u017ee se tato specifick\u00e1 pojistka vztahuje p\u0159\u00edmo k&nbsp;samotn\u00e9mu \u00fav\u011bru, nen\u00ed tedy zrovna variabiln\u00ed, a\u010dkoliv vypad\u00e1 jej\u00ed n\u00e1zev d\u016fstojn\u011b, aby v&nbsp;lidech probouzela bezstarostnou naivitu.\t\tPro pojistn\u00e9 pln\u011bn\u00ed p\u0159i ztr\u00e1t\u011b zam\u011bstn\u00e1n\u00ed plat\u00ed ur\u010dit\u00e1 pravidla\tV&nbsp;p\u0159\u00edpad\u011b, \u017ee si \u017eadatel o hypote\u010dn\u00ed \u00fav\u011br sjedn\u00e1 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad \u00famrt\u00ed, invalidity nebo nemoci, tak u poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad ztr\u00e1ty schopnosti spl\u00e1cet dluh bance p\u0159ipad\u00e1 v&nbsp;\u00favahu pouze situace, \u017ee p\u0159ijde o zam\u011bstn\u00e1n\u00ed. Podm\u00ednkou ov\u0161em je takov\u00e1 ztr\u00e1ta zam\u011bstn\u00e1n\u00ed, \u017ee zam\u011bstnavatel se zam\u011bstnance zbav\u00ed jen z&nbsp;d\u016fvodu zru\u0161en\u00ed pracovn\u00edho m\u00edsta nebo sn\u00ed\u017een\u00ed stavu zam\u011bstnanc\u016f ve firm\u011b. To jsou pr\u00e1v\u011b p\u0159\u00edpady, kdy firmy mus\u00ed vypl\u00e1cet zam\u011bstnanc\u016fm tu\u010dn\u00e9 odstupn\u00e9, aby lidem kompenzovaly obdob\u00ed, ne\u017e si najdou zam\u011bstn\u00e1n\u00ed nov\u00e9. M\u016f\u017eete si snadno domyslet, \u017ee k&nbsp;takov\u00fdm modelov\u00fdm situac\u00edm doch\u00e1z\u00ed z\u0159\u00eddka, a \u017ee zam\u011bstnavatel rad\u011bji ukon\u010d\u00ed pracovn\u00ed pom\u011br se zam\u011bstnancem dohodou.\t\tPojistka se sjedn\u00e1v\u00e1 na kr\u00e1tk\u00e9 fixn\u00ed obdob\u00ed\tU poji\u0161t\u011bn\u00ed sjednan\u00e9ho sou\u010dasn\u011b s&nbsp;hypote\u010dn\u00edm \u00fav\u011brem, se toto zpravidla hrad\u00ed jednor\u00e1zov\u011b, d\u00e1 se sice rozlo\u017eit mezi spl\u00e1tky \u00fav\u011bru, ale plat\u00ed se z&nbsp;n\u011bj i \u00faroky. A tak se stane, \u017ee pojistka vzroste za dobu dvaceti let spl\u00e1cen\u00ed hypot\u00e9ky t\u0159eba i o patn\u00e1ct tis\u00edc korun. Z\u00e1drhel ov\u0161em spo\u010d\u00edv\u00e1 v&nbsp;tom, \u017ee se poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet sjedn\u00e1v\u00e1 na dobu v\u00fdrazn\u011b krat\u0161\u00ed, \u0159ekn\u011bme na 5 let. Po 5 letech u\u017e klient poji\u0161t\u011bn\u00fd nen\u00ed a musel by uzav\u0159\u00edt nov\u00e9 poji\u0161t\u011bn\u00ed. To v\u0161ak op\u011bt \u010d\u00e1stku \u00fav\u011bru nav\u00fd\u0161\u00ed, atd. Nav\u00edc se pojistn\u00e9 zvy\u0161uje ka\u017ed\u00fdm rokem, nejdra\u017e\u0161\u00ed je v\u017edy ke konci obdob\u00ed spl\u00e1cen\u00ed hypot\u00e9ky.\tPoji\u0161\u0165ovny si zkr\u00e1tka velice dob\u0159e spo\u010d\u00edtaj\u00ed pravd\u011bpodobnost, kdy k&nbsp;jak\u00e9 situaci m\u016f\u017ee doj\u00edt, vych\u00e1z\u00ed z&nbsp;dlouhodob\u00fdch statistik a anal\u00fdz finan\u010dn\u00edch specialist\u016f. Kdyby se tak nechovaly, musely by vyhl\u00e1sit bankrot. Pr\u00e1v\u011b ona pravd\u011bpodobnost je t\u00edm kl\u00ed\u010dov\u00fdm bodem zisku poji\u0161\u0165oven a ztr\u00e1ty financ\u00ed pro klienty. To se t\u00fdk\u00e1 ve\u0161ker\u00fdch typ\u016f pojistek, finan\u010dn\u00ed experti si zkr\u00e1tka dob\u0159e spo\u010d\u00edtaj\u00ed, co se jim vyplat\u00ed, a co ne.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vyplat\u00ed se poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet hypote\u010dn\u00ed \u00fav\u011br?","item":"https:\/\/www.zerba.cz\/vyplati-se-pojisteni-proti-neschopnosti-splacet-hypotecni-uver\/#breadcrumbitem"}]}]