{"id":1294,"date":"2023-03-20T10:36:06","date_gmt":"2023-03-20T09:36:06","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1294"},"modified":"2023-03-20T10:36:08","modified_gmt":"2023-03-20T09:36:08","slug":"slovnik-pojisteni-ii-p-r","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/slovnik-pojisteni-ii-p-r\/","title":{"rendered":"Slovn\u00edk poji\u0161t\u011bn\u00ed II. (P\u2013R)"},"content":{"rendered":"\n<p>Vyznejte se v pojistn\u00e9 smlouv\u011b jako odborn\u00edk. V seri\u00e1lu Slovn\u00edk poji\u0161t\u011bn\u00ed v\u00e1m p\u0159edstav\u00edme d\u016fle\u017eit\u00e9 pojmy, kter\u00e9 se v\u00e1m budou hodit \u2013 tentokr\u00e1t od P do R. Te\u010f u\u017e v\u00e1s ve smlouv\u011b nic nep\u0159ekvap\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pen\u011b\u017en\u00ed rezervy<\/strong><\/h2>\n\n\n\n<p>Jin\u00e1 definice pro poji\u0161t\u011bn\u00ed. Efektivn\u00ed zp\u016fsob tvorby a rozd\u011blov\u00e1n\u00ed finan\u010dn\u00edch rezerv k zaplacen\u00ed pot\u0159eb, kter\u00e9 vzniknou z nahodil\u00fdch ud\u00e1lost\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>PIA (Mezin\u00e1rodn\u00ed poji\u0161\u0165ovac\u00ed tisk)<\/strong><\/h2>\n\n\n\n<p>Sdru\u017een\u00ed s c\u00edlem vym\u011b\u0148ovat si informace, \u010dl\u00e1nky, dokumenty o poji\u0161\u0165ovnictv\u00ed mezi \u010dlensk\u00fdmi \u010dasopisy z evropsk\u00fdch zem\u00ed. PIA seskupuje novin\u00e1\u0159e s odbornou specializac\u00ed v poji\u0161\u0165ovnictv\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Podpoji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Stav, kdy je pojistn\u00e1 \u010d\u00e1stka ve smlouv\u011b ni\u017e\u0161\u00ed ne\u017e hodnota poji\u0161t\u011bn\u00e9ho majetku. Nast\u00e1v\u00e1 nap\u0159\u00edklad ve chv\u00edli, kdy pojist\u00edte d\u016fm v hodnot\u011b 10 milion\u016f K\u010d jen na 1 milion K\u010d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistitel<\/strong><\/h2>\n\n\n\n<p>Pr\u00e1vnick\u00e1 osoba, jej\u00edm\u017e p\u0159edm\u011btem podnik\u00e1n\u00ed je poji\u0161\u0165ovac\u00ed \u010dinnost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistka<\/strong><\/h2>\n\n\n\n<p>P\u00edsemn\u00e1 forma pojistn\u00e9 smlouvy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e1 \u010d\u00e1stka<\/strong><\/h2>\n\n\n\n<p>Maxim\u00e1ln\u00ed limit pln\u011bn\u00ed dohodnut\u00fd v pojistn\u00e9 smlouv\u011b nebo ur\u010den\u00fd pr\u00e1vn\u00edm p\u0159edpisem. M\u016f\u017ee se ur\u010dit na jednu pojistnou ud\u00e1lost, na ud\u00e1losti ve stanoven\u00e9m obdob\u00ed nebo jako maxim\u00e1ln\u00ed \u010d\u00e1stka pln\u011bn\u00ed b\u011bhem trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e1 doba<\/strong><\/h2>\n\n\n\n<p>\u010casov\u00e9 obdob\u00ed, na kter\u00e9 je poji\u0161t\u011bn\u00ed sjednan\u00e9. Je ohrani\u010den\u00e1 datem vzniku poji\u0161t\u011bn\u00ed a datem jeho z\u00e1niku. M\u016f\u017ee se d\u011blit na pojistn\u00e1 obdob\u00ed, kter\u00e1 jsou rozhodn\u00e1 pro placen\u00ed pojistn\u00e9ho a pro p\u0159\u00edpadnou v\u00fdpov\u011b\u010f pojistn\u00e9 smlouvy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e1 n\u00e1hrada<\/strong><\/h2>\n\n\n\n<p>Pen\u011b\u017en\u00ed vyj\u00e1d\u0159en\u00ed \u0161kody, resp. \u00fajmy z pojistn\u00e9 ud\u00e1losti. Hrad\u00ed ho poji\u0161\u0165ovna na z\u00e1klad\u011b pojistn\u00e9 smlouvy. V\u00fd\u0161e pojistn\u00e9 n\u00e1hrady se ur\u010duje podle likvida\u010dn\u00edch z\u00e1sad pro jednotliv\u00e9 druhy pojistn\u00fdch produkt\u016f a podle platn\u00fdch pr\u00e1vn\u00edch a celn\u00edch p\u0159epis\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e1 odv\u011btv\u00ed<\/strong><\/h2>\n\n\n\n<p>Samostatn\u00e9 skupiny poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e1 rezerva u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>\u010c\u00e1stka, kterou tvo\u0159\u00ed zaplacen\u00e9 pojistn\u00e9 v\u010detn\u011b p\u0159iznan\u00fdch pod\u00edl\u016f na zisku po odpo\u010dtu rizikov\u00e9ho pojistn\u00e9ho a n\u00e1klad\u016f poji\u0161\u0165ovny p\u0159ipadaj\u00edc\u00edch na jednotliv\u00e1 poji\u0161t\u011bn\u00ed za uplynulou dobu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e1 smlouva<\/strong><\/h2>\n\n\n\n<p>P\u00edsemn\u00fd pr\u00e1vn\u00ed dokument mezi pojistitelem a pojistn\u00edkem. Na jeho z\u00e1klad\u011b vznik\u00e1 a trv\u00e1 smluvn\u00ed poji\u0161t\u011bn\u00ed a jeho obsahem jsou smluvn\u00ed ujedn\u00e1n\u00ed a podm\u00ednky pojistn\u00e9ho vztahu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e1 ud\u00e1lost<\/strong><\/h2>\n\n\n\n<p>Nahodil\u00e1 skute\u010dnost, se kterou je spojena povinnost pojistitele plnit pojistnou smlouvu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e9 (cena poji\u0161t\u011bn\u00ed)<\/strong><\/h2>\n\n\n\n<p>Cena, kterou plat\u00ed pojistn\u00edk za poskytnutou pojistnou ochranu. Obvykle se plat\u00ed v p\u0159edem dohodnut\u00fdch intervalech: b\u011b\u017en\u00e9 pojistn\u00e9 (ro\u010dn\u011b, pololetn\u011b, \u010dtvrtletn\u011b a m\u011bs\u00ed\u010dn\u011b), jednor\u00e1zov\u00e9 pojistn\u00e9 (za celou pojistnou dobu najednou).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u011b\u017en\u00e9<\/strong>&nbsp;\u2013 pojistn\u00e9 ur\u010den\u00e9 na dohodnut\u00e9 pojistn\u00e9 obdob\u00ed, kter\u00fdm je obvykle 1 rok. Je d\u016fle\u017eit\u00fdm bodem pojistn\u00e9 smlouvy. Je mo\u017en\u00e9 dohodnout ro\u010dn\u00ed, p\u016flro\u010dn\u00ed, \u010dtvrtletn\u00ed nebo m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 obdob\u00ed podle zvyklost\u00ed a podm\u00ednek jednotliv\u00fdch poji\u0161\u0165oven.<\/li>\n\n\n\n<li><strong>Brutto<\/strong>&nbsp;\u2013&nbsp;pojistn\u00e9, kter\u00e9 m\u00e1 pojistn\u00edk platit jako cenu za poskytovanou slu\u017ebu.<\/li>\n\n\n\n<li><strong>Jednor\u00e1zov\u00e9<\/strong>&nbsp;\u2013&nbsp;pojistn\u00e9 zaplacen\u00e9 najednou na cel\u00e9 obdob\u00ed platnosti poji\u0161t\u011bn\u00ed.<\/li>\n\n\n\n<li><strong>Netto<\/strong>&nbsp;\u2013&nbsp;\u010d\u00e1st brutto pojistn\u00e9ho, kter\u00e1 je v kalkulaci ur\u010den\u00e1 podle v\u00fdpo\u010dtu rizika.<\/li>\n\n\n\n<li><strong>Nezaslou\u017een\u00e9 (pojistn\u00e9 na budouc\u00ed obdob\u00ed)<\/strong>&nbsp;\u2013&nbsp;pojistn\u00e9, kter\u00e9 nepat\u0159\u00ed poji\u0161\u0165ovn\u011b v dob\u011b jeho zaplacen\u00ed. Jedn\u00e1 se o p\u0159\u00edpad, kdy poji\u0161\u0165ovna p\u0159ijme pojistn\u00e9, kter\u00e9 se vztahuje k jin\u00e9mu \u00fa\u010detn\u00edmu obdob\u00ed, ne\u017e ve kter\u00e9m bylo zaplaceno. Tato \u010d\u00e1st pojistn\u00e9ho se \u00fa\u010dtuje jako rezerva na pojistn\u00e9 budouc\u00edch obdob\u00ed.<\/li>\n\n\n\n<li><strong>Podro\u010dn\u00ed<\/strong>&nbsp;\u2013&nbsp;pojistn\u00e9 stanoven\u00e9 na krat\u0161\u00ed pojistn\u00e9 obdob\u00ed, ne\u017e je 1 rok.<\/li>\n\n\n\n<li><strong>P\u0159edepsan\u00e9<\/strong>&nbsp;\u2013&nbsp;pojistn\u00e9, kter\u00e9 je stanoven\u00e9 na dohodnut\u00e9 pojistn\u00e9 obdob\u00ed. Nezaplacen\u00edm ve stanoven\u00e9 lh\u016ft\u011b poji\u0161t\u011bn\u00ed zanik\u00e1 a poji\u0161\u0165ovna m\u00e1 n\u00e1rok na dlu\u017en\u00e9 pojistn\u00e9.<\/li>\n\n\n\n<li><strong>Zaslou\u017een\u00e9<\/strong>&nbsp;\u2013&nbsp;pojistn\u00e9, kter\u00e9 poji\u0161\u0165ovna z\u00edsk\u00e1 jako p\u0159edepsan\u00e9 pojistn\u00e9 a kter\u00e9 pat\u0159\u00ed do dan\u00e9ho \u00fa\u010detn\u00edho obdob\u00ed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e9 obdob\u00ed<\/strong><\/h2>\n\n\n\n<p>\u010casov\u00fd \u00fasek, na kter\u00fd je pot\u0159eba ve stanoven\u00fdch term\u00ednech platit pojistn\u00e9. Pojistn\u00e9 obdob\u00ed je dohodnut\u00e9 v pojistn\u00e9 smlouv\u011b nebo stanoven\u00e9 pr\u00e1vn\u00edm p\u0159edpisem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e9 pln\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Finan\u010dn\u00ed nebo natur\u00e1ln\u00ed n\u00e1hrada poji\u0161\u0165ovny, kter\u00e1 vznik\u00e1 na z\u00e1klad\u011b pojistn\u00e9 smlouvy p\u0159i pojistn\u00e9 ud\u00e1losti. Pojistn\u00e9 pln\u011bn\u00ed m\u00e1 pokr\u00fdt \u0161kodu, kterou poji\u0161\u0165ovna vy\u010d\u00edsl\u00ed nebo kter\u00e1 je dohodnut\u00e1 v pojistn\u00e9 smlouv\u011b. Pojistn\u00e9 pln\u011bn\u00ed poji\u0161\u0165ovna poskytne poji\u0161t\u011bn\u00e9mu (nebo po\u0161kozen\u00e9mu) za pojistnou ud\u00e1lost, kter\u00e1 spl\u0148uje podm\u00ednky dohodnut\u00e9 v pojistn\u00e9 smlouv\u011b nebo podm\u00ednky z\u00e1kona. Jinak jde tak\u00e9 o pojistnou n\u00e1hradu.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/pr\u030cehled-pojis\u030cte\u030cni\u0301-1024x1024.jpg\" alt=\"\" class=\"wp-image-1298\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/pr\u030cehled-pojis\u030cte\u030cni\u0301-1024x1024.jpg 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/pr\u030cehled-pojis\u030cte\u030cni\u0301-300x300.jpg 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/pr\u030cehled-pojis\u030cte\u030cni\u0301-150x150.jpg 150w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/pr\u030cehled-pojis\u030cte\u030cni\u0301-768x768.jpg 768w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/pr\u030cehled-pojis\u030cte\u030cni\u0301-1536x1536.jpg 1536w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/pr\u030cehled-pojis\u030cte\u030cni\u0301-2048x2048.jpg 2048w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/pr\u030cehled-pojis\u030cte\u030cni\u0301-1080x1080.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e9 podm\u00ednky specifick\u00e9<\/strong><\/h2>\n\n\n\n<p>Podm\u00ednky, kter\u00e9 se li\u0161\u00ed od v\u0161eobecn\u00fdch podm\u00ednek. Jde je individu\u00e1ln\u011b domluvit v pojistn\u00e9 smlouv\u011b. Toto plat\u00ed pro smluvn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e9 podm\u00ednky v\u0161eobecn\u00e9<\/strong><\/h2>\n\n\n\n<p>Podm\u00ednky, kter\u00e9 v\u0161eobecn\u011b vymezuj\u00ed zp\u016fsob poji\u0161\u0165ov\u00e1n\u00ed pro ur\u010dit\u00fd druh poji\u0161t\u011bn\u00ed a b\u00fdvaj\u00ed sou\u010d\u00e1st\u00ed pojistn\u00e9 smlouvy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e9 pr\u00e1vo<\/strong><\/h2>\n\n\n\n<p>Souhrn pr\u00e1vn\u00edch norem v obecn\u011b z\u00e1vazn\u00fdch p\u0159edpisech, kter\u00e9 se t\u00fdkaj\u00ed poji\u0161t\u011bn\u00ed a poji\u0161\u0165ovnictv\u00ed. D\u011bl\u00edme ho na ve\u0159ejn\u00e9 pojistn\u00e9 pr\u00e1vo a soukrom\u00e9 pr\u00e1vo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e9 pr\u00e1vo soukrom\u00e9<\/strong><\/h2>\n\n\n\n<p>Souhrn pr\u00e1vn\u00edch norem, kter\u00e9 upravuj\u00ed specifika poji\u0161t\u011bn\u00ed a poji\u0161\u0165ovnictv\u00ed a li\u0161\u00ed se nad r\u00e1mec obecn\u00e9 pr\u00e1vn\u00ed \u00fapravy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e9 pr\u00e1vo ve\u0159ejn\u00e9<\/strong><\/h2>\n\n\n\n<p>Vyjad\u0159uje a zabezpe\u010duje p\u0159edev\u0161\u00edm z\u00e1jmy st\u00e1tu. T\u00fdk\u00e1 se hlavn\u011b poji\u0161\u0165ovnictv\u00ed jako syst\u00e9mu a pravidel provozov\u00e1n\u00ed t\u00e9to \u010dinnosti a podm\u00ednek podnik\u00e1n\u00ed v poji\u0161\u0165ovnictv\u00ed, st\u00e1tn\u00edho dozoru.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00e9 rozpravy<\/strong><\/h2>\n\n\n\n<p>\u010casopis \u010desk\u00e9ho poji\u0161\u0165ovnictv\u00ed, zam\u011b\u0159en\u00fd p\u0159edev\u0161\u00edm na rozv\u00edjen\u00ed teoretick\u00fdch znalost\u00ed. Vydavatelem je \u010cesk\u00e1 asociace poji\u0161\u0165oven.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00edk (poji\u0161t\u011bnec)<\/strong><\/h2>\n\n\n\n<p>Fyzick\u00e1 nebo pr\u00e1vnick\u00e1 osoba, kter\u00e1 uzav\u0159ela pojistnou smlouvu s pojistitelem. M\u00e1 za povinnost platit pojistn\u00e9 a m\u00e1 pr\u00e1va, kter\u00e1 jsou stanovena v pojistn\u00e9 smlouv\u011b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00fd kmen<\/strong><\/h2>\n\n\n\n<p>Soubor uzav\u0159en\u00fdch pojistn\u00fdch smluv, kter\u00e9 m\u00e1 komer\u010dn\u00ed poji\u0161\u0165ovna ve sv\u00e9 spr\u00e1v\u011b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00fd obzor<\/strong><\/h2>\n\n\n\n<p>Odborn\u00fd \u010dasopis, kter\u00fd vyd\u00e1v\u00e1 <a href=\"https:\/\/www.fingo.cz\/blog\/slovnik-pojisteni-i-a-o\/\">\u010cesk\u00e1 asociace poji\u0161\u0165oven<\/a>. P\u0159in\u00e1\u0161\u00ed teoretick\u00e9 i praktick\u00e9 poznatky, poskytuje informace o situaci na dom\u00e1c\u00edm pojistn\u00e9m trhu, ale i o trz\u00edch zahrani\u010dn\u00edch, v\u011bnuje se vzd\u011bl\u00e1v\u00e1n\u00ed, propagaci apod.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00fd trh<\/strong><\/h2>\n\n\n\n<p>Spole\u010densk\u00e9 prost\u0159ed\u00ed nebo \u00fazem\u00ed, na kter\u00e9m se st\u0159et\u00e1v\u00e1 nab\u00eddka a popt\u00e1vka po pojistn\u00e9 ochran\u011b. Snahou v\u0161ech komer\u010dn\u00edch poji\u0161\u0165oven je prosadit se na tomto trhu a dos\u00e1hnout v\u00fdznamn\u00e9ho postaven\u00ed. Pojistn\u00fd trh ovliv\u0148uje st\u00e1t prost\u0159ednictv\u00edm pr\u00e1vn\u00edch norem a sv\u00fdch org\u00e1n\u016f st\u00e1tn\u00ed spr\u00e1vy, pojistitele, pojistn\u00edky, zajistitele, zprost\u0159edkovatele, asociace. Trh aktivn\u011b p\u016fsob\u00ed na kvalitu a rozsah poji\u0161\u0165ovac\u00edch slu\u017eeb a jejich cenu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00fd trh investi\u010dn\u00ed<\/strong><\/h2>\n\n\n\n<p>Segmentace pojistn\u00e9ho trhu \u2013 investov\u00e1n\u00ed do\u010dasn\u011b voln\u00fdch pen\u011b\u017en\u00edch prost\u0159edk\u016f. Investov\u00e1n\u00ed je mo\u017en\u00e9 prost\u0159ednictv\u00edm bankovn\u00edch depozit, cenn\u00fdch pap\u00edr\u016f, nemovitost\u00ed, cenn\u00fdch sb\u00edrek atd.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00fd trh v\u011bcn\u00fd<\/strong><\/h2>\n\n\n\n<p>Segmentace pojistn\u00e9ho trhu \u2013 nab\u00eddka a popt\u00e1vka po poji\u0161t\u011bn\u00ed a zaji\u0161t\u011bn\u00ed. Tento trh m\u016f\u017eeme d\u00e1le \u010dlenit podle p\u0159edm\u011btu poji\u0161t\u011bn\u00ed a zaji\u0161t\u011bn\u00ed (\u017eivotn\u00ed a ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed) a podle subjekt\u016f ovliv\u0148uj\u00edc\u00edch trh (komer\u010dn\u00ed poji\u0161\u0165ovny, zaji\u0161\u0165ovny, pojistn\u00edci, poji\u0161t\u011bn\u00ed, zprost\u0159edkovatel\u00e9, dozor v poji\u0161\u0165ovnictv\u00ed, st\u00e1t, asociace a dal\u0161\u00ed subjekty pojistn\u00e9ho trhu).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pojistn\u00fd vztah<\/strong><\/h2>\n\n\n\n<p>Pr\u00e1vn\u00ed vztah, kter\u00fd vznik\u00e1 na z\u00e1klad\u011b pojistn\u00e9 smlouvy mezi pojistitelem a pojistn\u00edkem. Vztah, kter\u00fd by m\u011bl b\u00fdt zalo\u017een na korektnosti a vz\u00e1jemn\u00e9 d\u016fv\u011b\u0159e.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Pomoc v nouzi. Z hlediska ekonomick\u00e9ho to znamen\u00e1 vytv\u00e1\u0159et z p\u0159\u00edsp\u011bvk\u016f z\u00e1jemc\u016f o poji\u0161t\u011bn\u00ed (pojistn\u00edk\u016f) rezervy, kter\u00e9 slou\u017e\u00ed k n\u00e1hrad\u00e1m \u0161kod nebo k \u00fahrad\u011b pot\u0159eb, kter\u00e9 vzniknou poji\u0161t\u011bn\u00fdm z nahodil\u00fdch ud\u00e1lost\u00ed. Jde o pr\u00e1vn\u00ed vztah mezi pojistitelem a pojistn\u00edkem. Z\u00e1kladn\u00edm \u00fa\u010delem poji\u0161t\u011bn\u00ed je zm\u00edrnit nebo odstranit nep\u0159\u00edzniv\u00e9 d\u016fsledky zp\u016fsoben\u00e9 nahodil\u00fdmi ud\u00e1lostmi.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Klasifikace<\/strong>&nbsp;\u2013&nbsp;t\u0159\u00edd\u011bn\u00ed poji\u0161t\u011bn\u00ed a pojistn\u00fdch produkt\u016f na z\u00e1klad\u011b r\u016fzn\u00fdch krit\u00e9ri\u00ed. Podle EU se poji\u0161t\u011bn\u00ed d\u011bl\u00ed na \u017eivotn\u00ed a ne\u017eivotn\u00ed, podle ob\u010dansk\u00e9ho z\u00e1kon\u00edku na <a href=\"https:\/\/www.fingo.cz\/blog\/chrante-sve-penize-pojisteni-majetku-vyridite-z-domova\/\">poji\u0161t\u011bn\u00ed majetku<\/a>, poji\u0161t\u011bn\u00ed odpov\u011bdnosti a poji\u0161t\u011bn\u00ed osob.<\/li>\n\n\n\n<li><strong>Konec<\/strong>&nbsp;\u2013&nbsp;term\u00edn (datum a \u010das), ve kter\u00e9m poji\u0161t\u011bn\u00ed zanik\u00e1. Je d\u016fle\u017eit\u00fd z hlediska vzniku a z\u00e1niku pr\u00e1v poji\u0161t\u011bn\u00e9ho na pojistn\u00e9 pln\u011bn\u00ed a pr\u00e1v poji\u0161\u0165ovny na \u00fahradu pojistn\u00e9ho.<\/li>\n\n\n\n<li><strong>Ne\u017eivotn\u00ed<\/strong>&nbsp;\u2013&nbsp;v\u0161echna poji\u0161t\u011bn\u00ed, kter\u00e1 nemaj\u00ed charakter \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. Jedn\u00e1 se o poji\u0161t\u011bn\u00ed majetku, poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu, poji\u0161t\u011bn\u00ed \u00farazu. Pojistn\u00e9 pln\u011bn\u00ed se hrad\u00ed na z\u00e1klad\u011b p\u0159\u00edm\u00e9ho projevu rizika po pojistn\u00e9 ud\u00e1losti (proto rizikov\u00e1 poji\u0161t\u011bn\u00ed).<\/li>\n\n\n\n<li><strong>Po\u010d\u00e1tek<\/strong>&nbsp;\u2013&nbsp;term\u00edn (datum a \u010das), od kter\u00e9ho poji\u0161t\u011bn\u00ed nab\u00fdv\u00e1 pr\u00e1vn\u00ed moc a za\u010d\u00edn\u00e1 se poskytovat pojistn\u00e1 ochrana.<\/li>\n\n\n\n<li><strong>Rezervotvorn\u00e9 (\u017eivotn\u00ed)<\/strong>&nbsp;\u2013&nbsp;\u017eivotn\u00ed poji\u0161t\u011bn\u00ed, ve kter\u00e9m se vytv\u00e1\u0159\u00ed rezerva na v\u00fdplatu pojistn\u00e9 \u010d\u00e1stky v p\u0159\u00edpad\u011b do\u017eit\u00ed nebo \u00famrt\u00ed poji\u0161t\u011bn\u00e9ho. Pojistn\u00e1 \u010d\u00e1stka bude v\u017edy vyplacen\u00e1 (nebo dohodnut\u00fd d\u016fchod).<\/li>\n\n\n\n<li><strong>Rizikov\u00e9 (ne\u017eivotn\u00ed)<\/strong>&nbsp;\u2013&nbsp;poji\u0161t\u011bn\u00ed majetku, odpov\u011bdnosti za \u0161kodu, \u00farazu, p\u0159\u00edpadn\u011b poji\u0161t\u011bn\u00ed jin\u00fdch z\u00e1jm\u016f. Charakteristick\u00fdm rysem je, \u017ee nen\u00ed z\u0159ejm\u00e9, jestli dan\u00e1 ud\u00e1lost vznikne, kdy a v jak\u00e9 rozsahu.<\/li>\n\n\n\n<li><strong>Smluvn\u00ed<\/strong>&nbsp;\u2013&nbsp;poji\u0161t\u011bn\u00ed vznikaj\u00edc\u00ed a zakl\u00e1daj\u00edc\u00ed se na uzav\u0159en\u00ed p\u00edsemn\u00e9 pojistn\u00e9 smlouvy.<\/li>\n\n\n\n<li><strong>\u0160om\u00e1\u017en\u00ed<\/strong>&nbsp;\u2013&nbsp;poji\u0161t\u011bn\u00ed ztr\u00e1t zp\u016fsoben\u00e9 p\u0159eru\u0161en\u00edm provozu. Pojistn\u00e1 ochrana se vztahuje na majetkov\u00e9 \u0161kody (pen\u011b\u017en\u00ed \u00fajmy), kter\u00e9 nejsou zahrnuty ani do jedin\u00e9ho v\u011bcn\u00e9ho poji\u0161t\u011bn\u00ed. T\u00fdk\u00e1 se \u00fapln\u00e9ho nebo \u010d\u00e1ste\u010dn\u00e9ho p\u0159eru\u0161en\u00ed provozu (\u017eiveln\u00ed ud\u00e1lost, po\u0161kozen\u00ed stroj\u016f\u2026), p\u0159i kter\u00e9m nem\u016f\u017ee poji\u0161t\u011bn\u00fd produkovat zisk. Z poji\u0161t\u011bn\u00ed se hrad\u00ed ztr\u00e1ty na zisku a n\u00e1klady nevyhnuteln\u00e9 b\u011bhem \u00fapln\u00e9ho nebo \u010d\u00e1ste\u010dn\u00e9ho zastaven\u00ed provozu v d\u016fsledku ud\u00e1losti uveden\u00e9 v pojistn\u00e9 smlouv\u011b.<\/li>\n\n\n\n<li><strong>Z\u00e1konn\u00e9<\/strong>&nbsp;\u2013&nbsp;poji\u0161t\u011bn\u00ed vypl\u00fdvaj\u00edc\u00ed ze z\u00e1kona, kter\u00e9 se orientuje na poskytnut\u00ed pojistn\u00e9ho pln\u011bn\u00ed po\u0161kozen\u00e9mu za \u0161kodu, za kterou odpov\u00edd\u00e1 poji\u0161t\u011bn\u00fd.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">\u017divotn\u00ed<\/a><\/strong>&nbsp;\u2013&nbsp;samostatn\u00e9 pojistn\u00e9 odv\u011btv\u00ed, kter\u00e9 se orientuje na riziko do\u017eit\u00ed nebo \u00famrt\u00ed nebo jejich kombinaci. V ka\u017ed\u00e9m p\u0159\u00edpad\u011b poji\u0161\u0165ovna vyplat\u00ed pojistn\u00e9 pln\u011bn\u00ed.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/drhy-pojis\u030cte\u030cni\u0301-1024x1024.jpg\" alt=\"\" class=\"wp-image-1304\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/drhy-pojis\u030cte\u030cni\u0301-1024x1024.jpg 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/drhy-pojis\u030cte\u030cni\u0301-300x300.jpg 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/drhy-pojis\u030cte\u030cni\u0301-150x150.jpg 150w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/drhy-pojis\u030cte\u030cni\u0301-768x768.jpg 768w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/drhy-pojis\u030cte\u030cni\u0301-1536x1536.jpg 1536w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/drhy-pojis\u030cte\u030cni\u0301-2048x2048.jpg 2048w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/03\/drhy-pojis\u030cte\u030cni\u0301-1080x1080.jpg 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Poji\u0161t\u011bn\u00fd (poji\u0161t\u011bnec)<\/strong><\/h2>\n\n\n\n<p>Fyzick\u00e1 nebo pr\u00e1vnick\u00e1 osoba, v jej\u00ed\u017e prosp\u011bch se uzav\u00edr\u00e1 pojistn\u00e1 smlouva (m\u016f\u017ee b\u00fdt shodn\u00e1 s pojistn\u00edkem).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Poji\u0161\u0165ovac\u00ed agent<\/strong><\/h2>\n\n\n\n<p>Fyzick\u00e1 nebo pr\u00e1vnick\u00e1 osoba, kter\u00e1 prov\u00e1d\u00ed zprost\u0159edkovatelskou \u010dinnost v poji\u0161\u0165ovnictv\u00ed za z\u00e1klad\u011b&nbsp; smlouvy s osobou, kter\u00e1 m\u00e1 z\u00e1jem o uzav\u0159en\u00ed pojistn\u00e9 smlouvy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Poji\u0161\u0165ovac\u00ed \u010dinnost<\/strong><\/h2>\n\n\n\n<p>P\u0159edm\u011bt podnik\u00e1n\u00ed v komer\u010dn\u00ed poji\u0161\u0165ovn\u011b. Tato \u010dinnost zahrnuje uzav\u00edr\u00e1n\u00ed pojistn\u00fdch smluv, spr\u00e1vu poji\u0161t\u011bn\u00ed, pojistn\u00e1 pln\u011bn\u00ed, marketingovou \u010dinnost, zaji\u0161\u0165ovac\u00ed \u010dinnost, z\u00e1brannou \u010dinnost aj.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Poji\u0161\u0165ovac\u00ed makl\u00e9\u0159<\/strong><\/h2>\n\n\n\n<p>Fyzick\u00e1 nebo pr\u00e1vnick\u00e1 osoba, kter\u00e1 prov\u00e1d\u00ed <a href=\"https:\/\/www.fingo.cz\/kontakty\">zprost\u0159edkovatelskou \u010dinnost<\/a> v poji\u0161\u0165ovnictv\u00ed na z\u00e1klad\u011b smlouvy s osobou, kter\u00e1 m\u00e1 z\u00e1jem o uzav\u0159en\u00ed pojistn\u00e9 smlouvy. Zprost\u0159edkovatel b\u00fdv\u00e1 zmocn\u011bncem jedn\u00e9, nebo druh\u00e9 strany (pojistn\u00edka, nebo pojistitele).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Poji\u0161\u0165ovnictv\u00ed<\/strong><\/h2>\n\n\n\n<p>Specifick\u00e9 nev\u00fdrobn\u00ed odv\u011btv\u00ed v ekonomice, kter\u00e9 se zab\u00fdv\u00e1 poji\u0161\u0165ovac\u00ed, zaji\u0161\u0165ovac\u00ed a z\u00e1brannou \u010dinnost\u00ed. Podle pr\u00e1vn\u00edch p\u0159edpis\u016f m\u016f\u017eou poji\u0161\u0165ovny vykon\u00e1vat i jinou podnikatelskou nebo investi\u010dn\u00ed \u010dinnost. Poji\u0161\u0165ovnictv\u00ed se zab\u00fdv\u00e1 pojistnou ochranou, \u00fahradou pojistn\u00fdch ud\u00e1lost\u00ed aj.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Po\u0161kozen\u00fd<\/strong><\/h2>\n\n\n\n<p>Ten, kdo utrp\u011bl \u0161kodu, za kterou podle platn\u00fdch pr\u00e1vn\u00edch p\u0159edpis\u016f odpov\u00edd\u00e1 n\u011bkdo jin\u00fd. U odpov\u011bdnosti se mluv\u00ed o tzv. \u201et\u0159et\u00ed osob\u011b\u201c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pr\u00e1vn\u00ed ochrana z\u00e1jm\u016f klient\u016f<\/strong><\/h2>\n\n\n\n<p>St\u00e1tn\u00ed dozor v poji\u0161\u0165ovnictv\u00ed si klade za c\u00edl maxim\u00e1ln\u00ed zabezpe\u010den\u00ed ochrany spot\u0159ebitele poji\u0161\u0165ovac\u00edch slu\u017eeb, kter\u00fd je z\u00e1rove\u0148 vyv\u00e1\u017een komer\u010dn\u00ed svobodou nab\u00eddky a v\u00fdb\u011bru t\u011bchto slu\u017eeb.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Principy poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Neekvivalentnosti<\/strong>&nbsp;\u2013&nbsp;pojistn\u00e9 pln\u011bn\u00ed nen\u00ed z\u00e1visl\u00e9 na v\u00fd\u0161i zaplacen\u00e9ho pojistn\u00e9ho. Pojistn\u00e9 pln\u011bn\u00ed nebo pojistn\u00e1 n\u00e1hrada m\u016f\u017ee b\u00fdt vy\u0161\u0161\u00ed nebo men\u0161\u00ed ne\u017e zaplacen\u00e9 pojistn\u00e9.<\/li>\n\n\n\n<li><strong>Podm\u00edn\u011bn\u00e9 n\u00e1vratnosti<\/strong>&nbsp;\u2013&nbsp;pojistn\u00e9 pln\u011bn\u00ed se poskytne poji\u0161t\u011bn\u00e9mu pouze v p\u0159\u00edpad\u011b, \u017ee nastala pojistn\u00e1 ud\u00e1lost na z\u00e1klad\u011b podm\u00ednek stanoven\u00fdch v pojistn\u00e9 smlouv\u011b nebo pojistn\u00fdmi podm\u00ednkami.<\/li>\n\n\n\n<li><strong>Solid\u00e1rnosti<\/strong>&nbsp;\u2013&nbsp;pojistn\u00edci placen\u00edm pojistn\u00e9ho p\u0159isp\u00edvaj\u00ed k tvorb\u011b technick\u00fdch rezerv. Sou\u010dasn\u011b respektuj\u00ed, \u017ee pojistn\u00e1 pln\u011bn\u00ed se poskytuje jen t\u011bm, kter\u00fdm nastala pojistn\u00e1 ud\u00e1lost.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Proporcion\u00e1ln\u00ed zaji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Zavazuje pojistitele k zaji\u0161t\u011bn\u00ed a zajistitel mus\u00ed akceptovat p\u0159ijat\u00fd pod\u00edl na rizic\u00edch. T\u00edm se zajistitel proporcion\u00e1ln\u011b pod\u00edl\u00ed na pojistn\u00e9m, \u0161kod\u00e1ch a dal\u0161\u00edch v\u00fddaj\u00edch, kter\u00e9 vzniknou pojistiteli.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Provize (produk\u010dn\u00ed nebo inkasn\u00ed odm\u011bna)<\/strong><\/h2>\n\n\n\n<p>Odm\u011bna obchodn\u00edmu z\u00e1stupci nebo jin\u00e9mu zprost\u0159edkovateli obchodu za \u010dinnost spojenou s uzav\u0159en\u00edm obchodu. V poji\u0161\u0165ovnictv\u00ed se jedn\u00e1 o odm\u011b\u0148ov\u00e1n\u00ed poji\u0161\u0165ovac\u00edch zprost\u0159edkovatel\u016f, agent\u016f a poji\u0161\u0165ovac\u00edch makl\u00e9\u0159\u016f, kte\u0159\u00ed uzav\u00edraj\u00ed pojistn\u00e9 smlouvy a vykon\u00e1vaj\u00ed \u00fadr\u017ebu poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Provoz poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Souhrn \u010dinnost\u00ed, kter\u00e9 souvis\u00ed s evidenc\u00ed a spr\u00e1vou pojistn\u00fdch smluv a zaji\u0161t\u011bn\u00edm inkasa pojistn\u00e9ho (evidence smluv, aktualizace stavu, sp\u00e1rov\u00e1n\u00ed plateb, storna, archivace).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Prvopojistitel<\/strong><\/h2>\n\n\n\n<p>Pr\u00e1vnick\u00fd subjekt, kter\u00fd p\u0159evzal pojistn\u00e9 riziko, potvrdil pojistn\u00e9 podm\u00ednky a za\u010d\u00e1tek poji\u0161t\u011bn\u00ed v pojistn\u00e9 smlouv\u011b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>P\u0159edepsan\u00e9 pojistn\u00e9<\/strong><\/h2>\n\n\n\n<p>Pojistn\u00e9, kter\u00e9 je stanoven\u00e9 na dohodnut\u00e9 pojistn\u00e9 obdob\u00ed. Neuhrazen\u00edm ve stanoven\u00e9 lh\u016ft\u011b zanik\u00e1 a poji\u0161\u0165ovna m\u00e1 n\u00e1rok na dlu\u017en\u00e9 pojistn\u00e9. Jedn\u00e1 se o ukazatel \u00farovn\u011b, obsahu a rozsahu pojistn\u00e9ho trhu. Je jedn\u00edm z ukazatel\u016f v\u00fdkonnosti komer\u010dn\u00ed poji\u0161\u0165ovny.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>P\u0159ipoji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>Roz\u0161\u00ed\u0159en\u00ed z\u00e1kladn\u00edho poji\u0161t\u011bn\u00ed o dal\u0161\u00ed rizika nebo m\u00edstn\u00ed platnost poji\u0161t\u011bn\u00ed. Jedn\u00e1 se nap\u0159. o p\u0159ipoji\u0161t\u011bn\u00ed motorov\u00e9ho vozidla p\u0159i cest\u00e1ch do zahrani\u010d\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Retrocese<\/strong><\/h2>\n\n\n\n<p>Opakovan\u00e9 zaji\u0161t\u011bn\u00ed. Zajistitel, kter\u00fd p\u0159evzal \u010d\u00e1st rizika do zaji\u0161t\u011bn\u00ed, postupuje \u010d\u00e1st rizika dal\u0161\u00edmu zajistiteli nebo zajistitel\u016fm.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Riziko<\/strong><\/h2>\n\n\n\n<p>Mo\u017enost po\u0161kozen\u00ed nebo ztr\u00e1ty \u2013 majetkov\u00e9, finan\u010dn\u00ed, mor\u00e1ln\u00ed nebo zdravotn\u00ed. M\u016f\u017eou b\u00fdt nahraditeln\u00e9, ale existuj\u00ed i takov\u00e9, kter\u00e9 nahradit nelze. Z\u00e1rove\u0148 je p\u0159irozenou snahou tato rizika minimalizovat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Rozdroben\u00ed rizika<\/strong><\/h2>\n\n\n\n<p>Jedna z \u00faloh, kterou pln\u00ed zaji\u0161t\u011bn\u00ed. Pojistitel se zbavuje \u010d\u00e1sti rizika, jeho\u017e pojistn\u00e1 \u010d\u00e1stka je vy\u0161\u0161\u00ed, ne\u017e je ochotn\u00fd p\u0159ijmout na vlastn\u00ed vrub. Zaji\u0161t\u011bn\u00ed tak rozdrob\u00ed rizika a rozlo\u017e\u00ed i n\u00e1hrady \u0161kod podle podm\u00ednek a pod\u00edlu uveden\u00e9ho v zajistn\u00e9 smlouv\u011b.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vyznejte se v pojistn\u00e9 smlouv\u011b jako odborn\u00edk. V seri\u00e1lu Slovn\u00edk poji\u0161t\u011bn\u00ed v\u00e1m p\u0159edstav\u00edme d\u016fle\u017eit\u00e9 pojmy, kter\u00e9 se v\u00e1m budou hodit \u2013 tentokr\u00e1t od P do R. Te\u010f u\u017e v\u00e1s ve smlouv\u011b nic nep\u0159ekvap\u00ed. Pen\u011b\u017en\u00ed rezervy Jin\u00e1 definice pro poji\u0161t\u011bn\u00ed. Efektivn\u00ed zp\u016fsob tvorby a rozd\u011blov\u00e1n\u00ed finan\u010dn\u00edch rezerv k zaplacen\u00ed pot\u0159eb, kter\u00e9 vzniknou z nahodil\u00fdch ud\u00e1lost\u00ed. PIA (Mezin\u00e1rodn\u00ed poji\u0161\u0165ovac\u00ed tisk) Sdru\u017een\u00ed s c\u00edlem vym\u011b\u0148ovat si informace, \u010dl\u00e1nky, dokumenty o poji\u0161\u0165ovnictv\u00ed mezi \u010dlensk\u00fdmi \u010dasopisy z evropsk\u00fdch zem\u00ed. PIA seskupuje novin\u00e1\u0159e s odbornou specializac\u00ed v poji\u0161\u0165ovnictv\u00ed. Podpoji\u0161t\u011bn\u00ed Stav, kdy je pojistn\u00e1 \u010d\u00e1stka ve smlouv\u011b ni\u017e\u0161\u00ed ne\u017e hodnota poji\u0161t\u011bn\u00e9ho majetku. Nast\u00e1v\u00e1 nap\u0159\u00edklad ve chv\u00edli, kdy pojist\u00edte d\u016fm v hodnot\u011b 10 milion\u016f K\u010d jen na 1 milion K\u010d. Pojistitel Pr\u00e1vnick\u00e1 osoba, jej\u00edm\u017e p\u0159edm\u011btem podnik\u00e1n\u00ed je poji\u0161\u0165ovac\u00ed \u010dinnost. Pojistka P\u00edsemn\u00e1 forma pojistn\u00e9 smlouvy. Pojistn\u00e1 \u010d\u00e1stka Maxim\u00e1ln\u00ed limit pln\u011bn\u00ed dohodnut\u00fd v pojistn\u00e9 smlouv\u011b nebo ur\u010den\u00fd pr\u00e1vn\u00edm p\u0159edpisem. M\u016f\u017ee se ur\u010dit na jednu pojistnou ud\u00e1lost, na ud\u00e1losti ve stanoven\u00e9m obdob\u00ed nebo jako maxim\u00e1ln\u00ed \u010d\u00e1stka pln\u011bn\u00ed b\u011bhem trv\u00e1n\u00ed poji\u0161t\u011bn\u00ed. Pojistn\u00e1 doba \u010casov\u00e9 obdob\u00ed, na kter\u00e9 je poji\u0161t\u011bn\u00ed sjednan\u00e9. Je ohrani\u010den\u00e1 datem vzniku poji\u0161t\u011bn\u00ed a datem jeho z\u00e1niku. M\u016f\u017ee se d\u011blit na pojistn\u00e1 obdob\u00ed, kter\u00e1 jsou rozhodn\u00e1 pro placen\u00ed pojistn\u00e9ho a pro p\u0159\u00edpadnou v\u00fdpov\u011b\u010f pojistn\u00e9 smlouvy. Pojistn\u00e1 n\u00e1hrada Pen\u011b\u017en\u00ed vyj\u00e1d\u0159en\u00ed \u0161kody, [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1305,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,7,5],"tags":[52,28,18,66,27],"class_list":["post-1294","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-slovnik","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 II. (P\u2013R) - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Vyznejte se v poji\u0161t\u011bn\u00ed jako prof\u00edci. 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