{"id":1289,"date":"2023-03-09T09:46:17","date_gmt":"2023-03-09T08:46:17","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1289"},"modified":"2023-03-09T09:46:18","modified_gmt":"2023-03-09T08:46:18","slug":"slovnik-pojisteni-i-a-o","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/slovnik-pojisteni-i-a-o\/","title":{"rendered":"Slovn\u00edk poji\u0161t\u011bn\u00ed I. (A\u2013O)"},"content":{"rendered":"\n<p>Vyznejte se v pojistn\u00e9 smlouv\u011b jako odborn\u00edk. V tomto seri\u00e1lu Slovn\u00edk poji\u0161t\u011bn\u00ed v\u00e1m p\u0159edstav\u00edme v\u0161echny pojmy, kter\u00e9 pot\u0159ebujete zn\u00e1t \u2013 tentokr\u00e1t od A do O. Te\u010f u\u017e v\u00e1s ve smlouv\u011b nic nep\u0159ekvap\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>All risk poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed pokr\u00fdvaj\u00edc\u00ed v\u0161echna rizika, kter\u00e9 poji\u0161t\u011bn\u00fd m\u00e1 nebo p\u0159i vykon\u00e1v\u00e1n\u00ed dan\u00e9 \u010dinnosti ohro\u017euj\u00ed jeho, jeho majetek a jin\u00e9 z\u00e1jmy. Jedn\u00e1 se o n\u00e1ro\u010dn\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 vy\u017eaduje dokonal\u00e9 posouzen\u00ed rizikovosti klienta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Asisten\u010dn\u00ed slu\u017eba<\/strong><\/h2>\n\n\n\n<p>Jedn\u00e1 se o komplexn\u00ed pomoc klient\u016fm, kte\u0159\u00ed se dostanou do nesn\u00e1z\u00ed p\u0159i cestov\u00e1n\u00ed nebo pobytu mimo sv\u00e9 trval\u00e9 bydli\u0161t\u011b. Spad\u00e1 sem nap\u0159\u00edklad oprava motorov\u00e9ho vozidla nebo obstar\u00e1n\u00ed pr\u00e1vn\u00edch slu\u017eeb.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Asociace poji\u0161\u0165oven<\/strong><\/h2>\n\n\n\n<p>Dobrovoln\u00e9 sdru\u017een\u00ed poji\u0161\u0165oven, kter\u00e9 zastupuje z\u00e1jmy \u010dlensk\u00fdch poji\u0161\u0165oven p\u0159i jedn\u00e1n\u00edch s org\u00e1ny st\u00e1tn\u00ed spr\u00e1vy a zahrani\u010dn\u00edmi partnery. Nav\u00edc koordinuje a metodicky pom\u00e1h\u00e1 p\u0159i \u0159e\u0161en\u00ed spole\u010dn\u00fdch odborn\u00fdch probl\u00e9m\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Atomov\u00fd pool<\/strong><\/h2>\n\n\n\n<p>Sdru\u017een\u00ed pojistitel\u016f nebo zajistitel\u016f s c\u00edlem spojit finan\u010dn\u00ed zdroje pro p\u0159\u00edpad kryt\u00ed atomov\u00e9ho rizika. Z\u0159izuje se nejd\u0159\u00edve na n\u00e1rodn\u00ed \u00farovni, a\u017e pak se st\u00e1v\u00e1 \u010dlenem mezin\u00e1rodn\u00edho sdru\u017een\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Beze\u0161kodn\u00ed pr\u016fb\u011bh<\/strong><\/h2>\n\n\n\n<p>\u010casov\u00e9 obdob\u00ed vymezen\u00e9 trv\u00e1n\u00edm vztahu mezi klientem a poji\u0161\u0165ovnou, v n\u011bm\u017e nedo\u0161lo k pojistn\u00e9 ud\u00e1losti zavin\u011bn\u00e9 pojistn\u00edkem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Bonus (sleva)<\/strong><\/h2>\n\n\n\n<p>Poskytnut\u00ed dobropisu z\u00e1kazn\u00edkovi za spln\u011bn\u00ed stanoven\u00fdch nebo dohodnut\u00fdch podm\u00ednek. V poji\u0161t\u011bn\u00ed jde o slevu na pojistn\u00e9m za p\u0159\u00edzniv\u00fd \u0161kodov\u00fd pr\u016fb\u011bh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Bordro<\/strong><\/h2>\n\n\n\n<p>P\u0159ehled o po\u010dtu pojistn\u00fdch ud\u00e1lost\u00ed a vyplacen\u00fdch pojistn\u00fdch pln\u011bn\u00ed ve sledovan\u00e9m obdob\u00ed pro pot\u0159eby zajistitele. P\u0159ehled z\u00e1vis\u00ed na obsahu pojistn\u00e9 smlouvy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>CEA (Evropsk\u00fd poji\u0161\u0165ovac\u00ed v\u00fdbor)<\/strong><\/h2>\n\n\n\n<p>Dobrovoln\u00e9 mezin\u00e1rodn\u00ed sdru\u017een\u00ed asociac\u00ed poji\u0161\u0165oven. Podm\u00ednkou \u010dlenstv\u00ed je n\u00e1rodn\u00ed asociace, kter\u00e1 sdru\u017euje v\u00edce poji\u0161\u0165ovac\u00edch spole\u010dnost\u00ed v dan\u00e9 zemi. CEA vykon\u00e1v\u00e1 \u010dinnost prost\u0159ednictv\u00edm sekretari\u00e1tu a dobrovoln\u00fdch odborn\u00fdch komis\u00ed. V\u0161echny direktivy EU, kter\u00e9 se t\u00fdkaj\u00ed poji\u0161\u0165ovnictv\u00ed, se vyd\u00e1vaj\u00ed ve spolupr\u00e1ci s CEA. S\u00eddlem CEA je Pa\u0159\u00ed\u017e, pracovi\u0161t\u011b je v Bruselu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cedent (pojistitel)<\/strong><\/h2>\n\n\n\n<p>Osoba, kter\u00e1 ces\u00ed p\u0159evedla svoji pohled\u00e1vku na n\u011bkoho jin\u00e9ho. V poji\u0161\u0165ovnictv\u00ed se jedn\u00e1 o pojistitele, kter\u00fd p\u0159ev\u00e1d\u00ed na jin\u00e9ho pojistitele nebo zajistitele cel\u00e9 riziko nebo jeho \u010d\u00e1st.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Certifik\u00e1t havarijn\u00ed<\/strong><\/h2>\n\n\n\n<p>Potvrzen\u00ed o p\u0159\u00ed\u010din\u00e1ch a rozsahu \u0161kody, kter\u00e1 vznikla p\u0159i p\u0159eprav\u011b zbo\u017e\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cese<\/strong><\/h2>\n\n\n\n<p>Postoupen\u00ed v\u011bci, pr\u00e1va a pohled\u00e1vky v\u011b\u0159itele jin\u00e9 osob\u011b. V poji\u0161\u0165ovnictv\u00ed se jedn\u00e1 o operaci, na jej\u00edm\u017e z\u00e1klad\u011b pojistitel p\u0159evede na jin\u00e9ho pojistitele cel\u00e9 riziko nebo jeho \u010d\u00e1st.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cesion\u00e1\u0159 (postupn\u00edk)<\/strong><\/h2>\n\n\n\n<p>Osoba, na kterou cedent p\u0159evedl svoji pohled\u00e1vku v\u016f\u010di dlu\u017en\u00edkovi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u010cesk\u00e1 asociace poji\u0161\u0165oven (\u010cAP)<\/strong><\/h2>\n\n\n\n<p>Z\u00e1jmov\u00e9 sdru\u017een\u00ed vytvo\u0159en\u00e9 k zabezpe\u010den\u00ed z\u00e1jm\u016f klient\u016f, poji\u0161\u0165oven a zaji\u0161\u0165oven a na podporu vz\u00e1jemn\u00e9 spolupr\u00e1ce. \u010cAP zah\u00e1jila \u010dinnost 1. 1. 1994 a v sou\u010dasnosti sdru\u017euje \u0159\u00e1dn\u00e9 a p\u0159idru\u017een\u00e9 \u010dleny. Pod\u00edl \u010dlensk\u00fdch poji\u0161\u0165oven \u010cAP na celkov\u00e9m p\u0159edepsan\u00e9m pojistn\u00e9m v \u010cR je t\u00e9m\u011b\u0159 98 %.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u010cesk\u00e1 kancel\u00e1\u0159 pojistitel\u016f (\u010cKP)<\/strong><\/h2>\n\n\n\n<p>Hlavn\u00edm \u00fakolem je zabezpe\u010dit spln\u011bn\u00ed z\u00e1vazk\u016f za \u0161kody, kter\u00e9 zp\u016fsobili \u0159idi\u010di \u010cR v zahrani\u010d\u00ed, a projedn\u00e1vat p\u0159\u00edpady, kter\u00e9 vznikly na na\u0161em \u00fazem\u00ed ciz\u00edmi vozidly. Jej\u00edmi \u010dleny jsou povinn\u011b v\u0161echny komer\u010dn\u00ed poji\u0161\u0165ovny, kter\u00e9 poskytuj\u00ed toto poji\u0161t\u011bn\u00ed. Mezi dal\u0161\u00ed \u00fakoly pat\u0159\u00ed spr\u00e1va garan\u010dn\u00edho fondu, veden\u00ed statistiky, pod\u00edlen\u00ed se na z\u00e1brann\u00e9 \u010dinnosti, spolupr\u00e1ce se st\u00e1tn\u00edmi org\u00e1ny.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Dlouhodob\u00e9 poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed sjednan\u00e9 na dobu del\u0161\u00ed ne\u017e 1 rok.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Doklad o poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>P\u00edsemn\u00e9 potvrzen\u00ed o <a href=\"https:\/\/www.fingo.cz\/blog\/petr-motacek-radi-zivotni-pojistku-si-sjednejte-uz-v-mladi\/\">uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed<\/a>, kter\u00e9 poji\u0161\u0165ovna mus\u00ed vydat pojistn\u00edkovi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Dozor v&nbsp;poji\u0161\u0165ovnictv\u00ed<\/strong><\/h2>\n\n\n\n<p>St\u00e1tn\u00ed dozor nad finan\u010dn\u00edm trhem v \u010cR \u2013 tedy i poji\u0161\u0165ovnictv\u00edm \u2013 dr\u017e\u00ed \u010cesk\u00e1 n\u00e1rodn\u00ed banka.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Dru\u017estevn\u00ed poji\u0161\u0165ovna<\/strong><\/h2>\n\n\n\n<p>Jedna z pr\u00e1vn\u00edch forem podnikatelsk\u00e9ho subjektu, kter\u00fd vykon\u00e1v\u00e1 poji\u0161\u0165ovac\u00ed \u010dinnosti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Dynamizace poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Mo\u017enost zv\u00fd\u0161it pojistn\u00e9 a pojistn\u00e9 \u010d\u00e1stky ke dni v\u00fdro\u010d\u00ed poji\u0161t\u011bn\u00ed podle v\u00fdvoje inflace.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Evropsk\u00e9 direktivy<\/strong><\/h2>\n\n\n\n<p>Pr\u00e1vn\u00ed dokumenty Evropsk\u00e9 unie, kter\u00e9 maj\u00ed r\u00e1z metodick\u00fdch postup\u016f na \u0159e\u0161en\u00ed jednotliv\u00fdch ekonomick\u00fdch, pr\u00e1vn\u00edch a jin\u00fdch probl\u00e9m\u016f. Jednotliv\u00fdm \u010dlensk\u00fdm zem\u00edm se v nich doporu\u010duje \u00faprava pr\u00e1vn\u00edch p\u0159edpis\u016f v souladu s t\u011bmito direktivami. V oblasti poji\u0161t\u011bn\u00ed bylo vyd\u00e1no n\u011bkolik direktiv, kter\u00e9 se orientuj\u00ed na jednotliv\u00e9 oblasti \u010dinnosti poji\u0161\u0165oven. Mezi nejd\u016fle\u017eit\u011bj\u0161\u00ed pat\u0159\u00ed direktivy pro \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, pro ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed, pro zprost\u0159edkovatele a pro \u00fa\u010detnictv\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fran\u0161\u00edza<\/strong><\/h2>\n\n\n\n<p>Suma, do jej\u00ed\u017e v\u00fd\u0161e poji\u0161\u0165ovna neposkytuje \u017e\u00e1dn\u00e9 pojistn\u00e9 pln\u011bn\u00ed. Pokud je pojistn\u00e9 pln\u011bn\u00ed vy\u0161\u0161\u00ed ne\u017e dohodnut\u00e1 fran\u0161\u00edza, pojistn\u00e9 pln\u011bn\u00ed dostanete v pln\u00e9 v\u00fd\u0161i. Fran\u0161\u00edza se stanov\u00ed ve smlouv\u011b. Druhy fran\u0161\u00edzy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Nepodm\u00edn\u011bn\u00e1<\/strong>&nbsp;\u2013&nbsp;v ka\u017ed\u00e9m p\u0159\u00edpad\u011b se odpo\u010d\u00edt\u00e1v\u00e1 z n\u00e1hrady \u0161kody. V \u010cR je toto\u017en\u00e1 se spolu\u00fa\u010dast\u00ed.<br><\/li>\n\n\n\n<li><strong>Ode\u010d\u00edtac\u00ed (excedentn\u00ed)<\/strong>&nbsp;\u2013&nbsp;poji\u0161\u0165ovna p\u0159i ni\u017e\u0161\u00edm pln\u011bn\u00ed, ne\u017e je stanoven\u00e1 fran\u0161\u00edza, neposkytuje n\u00e1hradu v\u016fbec. Pokud je n\u00e1hrada vy\u0161\u0161\u00ed ne\u017e sjednan\u00e1 fran\u0161\u00edza, uhrad\u00ed poji\u0161\u0165ovna jen rozd\u00edl mezi celkovou \u0161kodou a fran\u0161\u00edzou.<br><\/li>\n\n\n\n<li><strong>Podm\u00edn\u011bn\u00e1 (integr\u00e1ln\u00ed)<\/strong>&nbsp;\u2013&nbsp;poji\u0161\u0165ovna neposkytuje pojistn\u00e9 pln\u011bn\u00ed, pokud n\u00e1hrada dosahuje v\u00fd\u0161e dohodnut\u00e9 fran\u0161\u00edzy. Jestli\u017ee je n\u00e1hrada vy\u0161\u0161\u00ed ne\u017e sjednan\u00e1 fran\u0161\u00edza, poskytuje pln\u011bn\u00ed v pln\u00e9 v\u00fd\u0161i bez jak\u00e9koliv sr\u00e1\u017eky.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Frekvence placen\u00ed pojistn\u00e9ho<\/strong><\/h2>\n\n\n\n<p>Domluven\u00e1 \u010detnost plateb pojistn\u00e9ho \u2013 ro\u010dn\u00ed, pololetn\u00ed, \u010dtvrtletn\u00ed nebo m\u011bs\u00ed\u010dn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Garan\u010dn\u00ed fond<\/strong><\/h2>\n\n\n\n<p>Fond vytvo\u0159en\u00fd na specifick\u00e9 \u00fa\u010dely jako rezerva. V komer\u010dn\u00edch poji\u0161\u0165ovn\u00e1ch se vytv\u00e1\u0159\u00ed jako rezerva na smluvn\u00ed povinn\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu. Hrad\u00ed se z n\u011bj mimo jin\u00e9 i \u0161koda, kterou zp\u016fsobil a odpov\u00edd\u00e1 za ni nezn\u00e1m\u00fd pachatel. P\u0159\u00edpadn\u011b pachatel, kter\u00fd nezaplatil pojistn\u00e9 nebo se nev\u00ed, ve kter\u00e9 poji\u0161\u0165ovn\u011b pojistn\u00e9 platil.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Investi\u010dn\u00ed \u010dinnost<\/strong><\/h2>\n\n\n\n<p>C\u00edlem finan\u010dn\u00edch a investi\u010dn\u00edch aktivit je zhodnocen\u00ed kapit\u00e1lu, kter\u00fd komer\u010dn\u00ed poji\u0161\u0165ovna vlastn\u00ed nebo spravuje. Mus\u00ed investovat tak, aby kdykoli mohla dost\u00e1t sv\u00fdm z\u00e1vazk\u016fm v\u016f\u010di poji\u0161t\u011bnc\u016fm a aby jej\u00ed portfolio prost\u0159edk\u016f bylo ochr\u00e1n\u011bno v p\u0159\u00edpad\u011b nep\u0159\u00edzniv\u00fdch ud\u00e1lost\u00ed na pen\u011b\u017en\u00edm a kapit\u00e1lov\u00e9m trhu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kalkula\u010dn\u00ed vzorec<\/strong><\/h2>\n\n\n\n<p>Slou\u017e\u00ed pro v\u00fdpo\u010det pojistn\u00e9ho.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kargo (poji\u0161t\u011bn\u00ed p\u0159epravy zbo\u017e\u00ed)<\/strong><\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed p\u0159epravy zbo\u017e\u00ed a v\u011bc\u00ed pro p\u0159\u00edpad po\u0161kozen\u00ed nebo zni\u010den\u00ed b\u011bhem p\u0159epravy r\u016fzn\u00fdmi dopravn\u00edmi prost\u0159edky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kasko (havarijn\u00ed poji\u0161t\u011bn\u00ed)<\/strong><\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed dopravn\u00edho prost\u0159edku pro p\u0159\u00edpad jeho po\u0161kozen\u00ed nebo zni\u010den\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Klient<\/strong><\/h2>\n\n\n\n<p>Z\u00e1kazn\u00edk, kter\u00e9mu poji\u0161\u0165ovna poskytuje slu\u017ebu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Komer\u010dn\u00ed poji\u0161\u0165ovna<\/strong><\/h2>\n\n\n\n<p>Poji\u0161\u0165ovna, jej\u00edm\u017e p\u0159edm\u011btem podnik\u00e1n\u00ed je poji\u0161\u0165ovac\u00ed \u010dinnost. Jej\u00edm c\u00edlem je poskytov\u00e1n\u00ed slu\u017eeb, dosa\u017een\u00ed zisku a v\u00fdznamn\u00e9ho postaven\u00ed na trhu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kr\u00e1tkodob\u00e9 poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed sjednan\u00e9 na dobu krat\u0161\u00ed ne\u017e 1 rok.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Likvidace pojistn\u00e9 ud\u00e1losti<\/strong><\/h2>\n\n\n\n<p>Soubor \u010dinnost\u00ed, kter\u00e9 souvis\u00ed s vy\u0159izov\u00e1n\u00edm pojistn\u00e9 ud\u00e1losti. Zahrnuje \u0161et\u0159en\u00ed jestli bude poji\u0161\u0165ovna plnit a v jak\u00e9m rozsahu. D\u00e1le zahrnuje registraci, ov\u011b\u0159en\u00ed, v\u00fdpo\u010det, v\u00fdplatu a v\u0161echny dal\u0161\u00ed administrativn\u00ed kroky spojen\u00e9 s likvidac\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Likvid\u00e1tor pojistn\u00fdch ud\u00e1lost\u00ed<\/strong><\/h2>\n\n\n\n<p>Pracovn\u00edk poji\u0161\u0165ovny nebo j\u00ed pov\u011b\u0159en\u00fd expert, jeho\u017e \u00falohou je zji\u0161\u0165ovat rozsah i p\u0159\u00ed\u010diny pojistn\u00fdch ud\u00e1lost\u00ed a vy\u010d\u00edslovat pojistn\u00e1 pln\u011bn\u00ed. Jedn\u00e1 se o profesi, kter\u00e1 vy\u017eaduje v\u011bdomosti z poji\u0161\u0165ovnictv\u00ed, ale i odborn\u00e9 znalosti jin\u00fdch oblast\u00ed, ekonomiky, tvorby cen, pr\u00e1vn\u00edch p\u0159edpis\u016f a z oblasti etiky a taktiky p\u0159\u00edstupu ke klientovi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Lom stroj\u016f (poji\u0161t\u011bn\u00ed stroj\u016f a strojn\u00edch za\u0159\u00edzen\u00ed)<\/strong><\/h2>\n\n\n\n<p>Produkt majetkov\u00e9ho poji\u0161t\u011bn\u00ed, z n\u011bho\u017e poji\u0161\u0165ovna hrad\u00ed v\u0161echny \u0161kody zp\u016fsoben\u00e9 na stroj\u00edch a strojn\u00edch za\u0159\u00edzen\u00edch. Nepat\u0159\u00ed sem \u0161kody zp\u016fsoben\u00e9 koroz\u00ed a po\u0161kozen\u00ed gumov\u00fdch obru\u010d\u00ed b\u011b\u017en\u00fdm provozem, t\u011bsn\u011bn\u00ed apod. Oby\u010dejn\u011b se kombinuje s \u017eiveln\u00fdm poji\u0161t\u011bn\u00edm a poji\u0161t\u011bn\u00edm \u0161kod zp\u016fsoben\u00fdch p\u0159eru\u0161en\u00edm provozu stroj\u016f a strojn\u00edch za\u0159\u00edzen\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Loyd&#8217;s<\/strong><\/h2>\n\n\n\n<p>Nejv\u011bt\u0161\u00ed a nejstar\u0161\u00ed poji\u0161\u0165ovac\u00ed spole\u010dnost na sv\u011bt\u011b, kter\u00e1 vznikla v 17. stolet\u00ed v Lond\u00fdn\u011b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Malus<\/strong><\/h2>\n\n\n\n<p>Jde o opak bonusu, tedy o p\u0159ir\u00e1\u017eku ke stanoven\u00e9mu pojistn\u00e9mu. Nej\u010dast\u011bji se jedn\u00e1 o p\u0159ir\u00e1\u017eku za nep\u0159\u00edzniv\u00fd \u0161kodov\u00fd pr\u016fb\u011bh v p\u0159edch\u00e1zej\u00edc\u00edm obdob\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Nahodil\u00e1 ud\u00e1lost<\/strong><\/h2>\n\n\n\n<p>Skute\u010dnost, kter\u00e1 vznikne n\u00e1hle a neo\u010dek\u00e1van\u011b. Ud\u00e1lost m\u016f\u017ee nastat, ale nen\u00ed jist\u00e9, jestli v dob\u011b trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed v\u016fbec nastane. Z nahodil\u00e9 ud\u00e1losti se stane pojistn\u00e1 ud\u00e1lost jen v p\u0159\u00edpad\u011b, \u017ee spln\u00ed v\u0161echny pojistn\u00e9 podm\u00ednky p\u0159\u00edslu\u0161n\u00e9ho poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>N\u00e1sledn\u00e9 pojistn\u00e9<\/strong><\/h2>\n\n\n\n<p>Druh\u00e1 a ka\u017ed\u00e1 dal\u0161\u00ed platba pojistn\u00e9ho.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Neproporcion\u00e1ln\u00ed zaji\u0161t\u011bn\u00ed (\u0161kodn\u00ed)<\/strong><\/h2>\n\n\n\n<p>Zajistitel zaplat\u00ed pojistiteli v\u0161echny \u0161kody, kter\u00e9 p\u0159ekro\u010d\u00ed ur\u010dit\u00fd limit vlastn\u00edho vrubu specifikovan\u00e9ho pojistitelem. Tento limit se vypo\u010d\u00edt\u00e1 na z\u00e1klad\u011b anal\u00fdzy pojistn\u00e9ho kmene, kter\u00fd m\u00e1 b\u00fdt zaji\u0161t\u011bn\u00fd.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Nov\u00e1 hodnota<\/strong><\/h2>\n\n\n\n<p>Pot\u0159ebn\u00e1 \u010d\u00e1stka na <a href=\"https:\/\/www.fingo.cz\/blog\/chrante-sve-penize-pojisteni-majetku-vyridite-z-domova\/\">znovupo\u0159\u00edzen\u00ed dan\u00e9 v\u011bci<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Obchodn\u00ed pl\u00e1n<\/strong><\/h2>\n\n\n\n<p>Finan\u010dn\u00ed vyj\u00e1d\u0159en\u00ed konkr\u00e9tn\u00ed obchodn\u00ed \u010dinnosti \u2013 vynalo\u017een\u00e9 n\u00e1klady a dosa\u017een\u00fd zisk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Obchodn\u00ed slu\u017eba<\/strong><\/h2>\n\n\n\n<p>Jedna z distribu\u010dn\u00edch cest komer\u010dn\u00ed poji\u0161\u0165ovny. Prost\u0159ednictv\u00edm obchodn\u00ed slu\u017eby se zprost\u0159edkov\u00e1v\u00e1 obchod (n\u00e1sledn\u011b i servis) mezi poji\u0161\u0165ovnou a klientem. Mezi pracovn\u00edky obchodn\u00ed slu\u017eby pat\u0159\u00ed zam\u011bstnanci a zprost\u0159edkovatel\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Obmy\u0161len\u00e1 osoba<\/strong><\/h2>\n\n\n\n<p>Osoba ur\u010den\u00e1 pojistn\u00edkem v pojistn\u00e9 smlouv\u011b, kter\u00e9 vznikne pr\u00e1vo na pojistn\u00e9 pln\u011bn\u00ed v <a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-pojisteni-pro-pripad-umrti-nebo-vazne-nemoci\/\">p\u0159\u00edpad\u011b smrti poji\u0161t\u011bn\u00e9ho<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Odkupn\u00e9 (odbytn\u00e9 \u2013 u majetku)<\/strong><\/h2>\n\n\n\n<p>\u010c\u00e1st technick\u00e9 rezervy u <a href=\"https:\/\/www.fingo.cz\/blog\/co-je-zivotni-pojisteni\/\">\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a>. Vypl\u00e1c\u00ed se poji\u0161t\u011bn\u00e9mu v p\u0159\u00edpad\u011b, \u017ee dojde ke zru\u0161en\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed p\u0159ed ukon\u010den\u00edm pojistn\u00e9 doby. Tato \u010d\u00e1stka se v\u011bt\u0161inou sni\u017euje o n\u00e1klady za p\u0159ed\u010dasn\u00e9 ukon\u010den\u00ed platnosti poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Odpov\u011bdn\u00fd pojistn\u00fd matematik<\/strong><\/h2>\n\n\n\n<p>Fyzick\u00e1 osoba zapsan\u00e1 v seznamu odpov\u011bdn\u00fdch pojistn\u00fdch matematik\u016f. Kontroluje spr\u00e1vnost rozd\u011blen\u00ed v\u00fdnos\u016f, sazeb pojistn\u00e9ho, technick\u00fdch rezerv, m\u00edry solventnosti, pojistn\u00e9 matematick\u00e9 metody pou\u017e\u00edvan\u00e9 p\u0159i provozov\u00e1n\u00ed poji\u0161t\u011bn\u00ed. Potvrzuje spr\u00e1vnost vykazovan\u00fdch \u00fadaj\u016f. Poji\u0161\u0165ovna nebo zaji\u0161\u0165ovna mus\u00ed matematikovi zajistit p\u0159\u00edstup k informac\u00edm o jejich \u010dinnosti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Opr\u00e1vn\u011bn\u00e1 osoba<\/strong><\/h2>\n\n\n\n<p>Fyzick\u00e1 nebo pr\u00e1vnick\u00e1 osoba, kter\u00e9 vznikne pr\u00e1vo na pojistn\u00e9 pln\u011bn\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vyznejte se v pojistn\u00e9 smlouv\u011b jako odborn\u00edk. V tomto seri\u00e1lu Slovn\u00edk poji\u0161t\u011bn\u00ed v\u00e1m p\u0159edstav\u00edme v\u0161echny pojmy, kter\u00e9 pot\u0159ebujete zn\u00e1t \u2013 tentokr\u00e1t od A do O. Te\u010f u\u017e v\u00e1s ve smlouv\u011b nic nep\u0159ekvap\u00ed. All risk poji\u0161t\u011bn\u00ed Poji\u0161t\u011bn\u00ed pokr\u00fdvaj\u00edc\u00ed v\u0161echna rizika, kter\u00e9 poji\u0161t\u011bn\u00fd m\u00e1 nebo p\u0159i vykon\u00e1v\u00e1n\u00ed dan\u00e9 \u010dinnosti ohro\u017euj\u00ed jeho, jeho majetek a jin\u00e9 z\u00e1jmy. Jedn\u00e1 se o n\u00e1ro\u010dn\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 vy\u017eaduje dokonal\u00e9 posouzen\u00ed rizikovosti klienta. Asisten\u010dn\u00ed slu\u017eba Jedn\u00e1 se o komplexn\u00ed pomoc klient\u016fm, kte\u0159\u00ed se dostanou do nesn\u00e1z\u00ed p\u0159i cestov\u00e1n\u00ed nebo pobytu mimo sv\u00e9 trval\u00e9 bydli\u0161t\u011b. Spad\u00e1 sem nap\u0159\u00edklad oprava motorov\u00e9ho vozidla nebo obstar\u00e1n\u00ed pr\u00e1vn\u00edch slu\u017eeb. Asociace poji\u0161\u0165oven Dobrovoln\u00e9 sdru\u017een\u00ed poji\u0161\u0165oven, kter\u00e9 zastupuje z\u00e1jmy \u010dlensk\u00fdch poji\u0161\u0165oven p\u0159i jedn\u00e1n\u00edch s org\u00e1ny st\u00e1tn\u00ed spr\u00e1vy a zahrani\u010dn\u00edmi partnery. Nav\u00edc koordinuje a metodicky pom\u00e1h\u00e1 p\u0159i \u0159e\u0161en\u00ed spole\u010dn\u00fdch odborn\u00fdch probl\u00e9m\u016f. Atomov\u00fd pool Sdru\u017een\u00ed pojistitel\u016f nebo zajistitel\u016f s c\u00edlem spojit finan\u010dn\u00ed zdroje pro p\u0159\u00edpad kryt\u00ed atomov\u00e9ho rizika. Z\u0159izuje se nejd\u0159\u00edve na n\u00e1rodn\u00ed \u00farovni, a\u017e pak se st\u00e1v\u00e1 \u010dlenem mezin\u00e1rodn\u00edho sdru\u017een\u00ed. Beze\u0161kodn\u00ed pr\u016fb\u011bh \u010casov\u00e9 obdob\u00ed vymezen\u00e9 trv\u00e1n\u00edm vztahu mezi klientem a poji\u0161\u0165ovnou, v n\u011bm\u017e nedo\u0161lo k pojistn\u00e9 ud\u00e1losti zavin\u011bn\u00e9 pojistn\u00edkem. Bonus (sleva) Poskytnut\u00ed dobropisu z\u00e1kazn\u00edkovi za spln\u011bn\u00ed stanoven\u00fdch nebo dohodnut\u00fdch podm\u00ednek. V poji\u0161t\u011bn\u00ed jde o slevu na pojistn\u00e9m za p\u0159\u00edzniv\u00fd \u0161kodov\u00fd pr\u016fb\u011bh. Bordro P\u0159ehled o po\u010dtu pojistn\u00fdch [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1290,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,7,5],"tags":[52,28,18,27],"class_list":["post-1289","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cestovni-pojisteni","category-nezivotni-pojisteni","category-zivotni-pojisteni","tag-nezivotni-pojisteni","tag-petr-motacek","tag-pojisteni","tag-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Slovn\u00edk poji\u0161t\u011bn\u00ed I. (A\u2013O) - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"V\u0161echny pojmy, kter\u00e9 pot\u0159ebujete v pojistn\u00e9 smlouv\u011b zn\u00e1t \u2013 tentokr\u00e1t od A do O. 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