{"id":1313,"date":"2023-04-03T12:56:12","date_gmt":"2023-04-03T11:56:12","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1313"},"modified":"2023-04-03T12:56:14","modified_gmt":"2023-04-03T11:56:14","slug":"slovnik-pojisteni-iii-s-z","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/slovnik-pojisteni-iii-s-z\/","title":{"rendered":"Slovn\u00edk poji\u0161t\u011bn\u00ed III. (S\u2013Z)"},"content":{"rendered":"\n

Vyznejte se v pojistn\u00e9 smlouv\u011b jako odborn\u00edk a nenechte se zasko\u010dit nezn\u00e1m\u00fdmi slov\u00ed\u010dky. Ve t\u0159et\u00edm d\u00edle seri\u00e1lu Slovn\u00edk poji\u0161t\u011bn\u00ed se zam\u011b\u0159\u00edme na poji\u0161\u0165ovac\u00ed pojmy z konce abecedy \u2013 tedy od S do Z.<\/p>\n\n\n\n

Samopoji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n

Proces, p\u0159i kter\u00e9m si \u010dlov\u011bk vytv\u00e1\u0159\u00ed vlastn\u00ed zdroje<\/a> na pokryt\u00ed neo\u010dek\u00e1van\u00fdch ztr\u00e1t \u2013 nap\u0159\u00edklad \u00faspory. P\u0159\u00edpadn\u011b tyto neo\u010dek\u00e1van\u00e9 ztr\u00e1ty kryje pomoc\u00ed \u00fav\u011bru.<\/p>\n\n\n\n

Sazba pojistn\u00e9ho<\/strong><\/h2>\n\n\n\n

Relativn\u00ed vyj\u00e1d\u0159en\u00ed ceny pojistn\u00e9ho rizika. Obvykle se uv\u00e1d\u00ed v promile nebo v procentech z pojistn\u00e9 hodnoty. N\u011bkdy se stanovuje v absolutn\u00ed hodnot\u011b v korun\u00e1ch, a to hlavn\u011b v kr\u00e1tkodob\u00e9m poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n

Smluvn\u00ed ujedn\u00e1n\u00ed<\/strong><\/h2>\n\n\n\n

Z\u00e1vazn\u00e1 ustanoven\u00ed, kter\u00e1 specifikuj\u00ed V\u0161eobecn\u00e9 pojistn\u00e9 podm\u00ednky a zahrnuj\u00ed i platn\u00e9 odchylky a dopl\u0148ky.<\/p>\n\n\n\n

Solventnost<\/strong><\/h2>\n\n\n\n

Dostatek voln\u00fdch finan\u010dn\u00edch prost\u0159edk\u016f na kryt\u00ed v\u0161ech pot\u0159eb a z\u00e1vazk\u016f v dan\u00e9m \u010dase. V poji\u0161\u0165ovnictv\u00ed se posuzuje okam\u017eit\u00e1 likvidita \u2013 ta se ur\u010duje mno\u017estv\u00edm disponibiln\u00edch technick\u00fdch rezerv a testem solventnosti (schopnost\u00ed kr\u00fdt budouc\u00ed z\u00e1vazky).<\/p>\n\n\n\n

Soupoji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n

Prim\u00e1rn\u00ed rozd\u011blen\u00ed rizika. Jeho podstatou je rozd\u011blen\u00ed rizika mezi n\u011bkolik pojistitel\u016f, kte\u0159\u00ed odpov\u00eddaj\u00ed za sv\u00e9 pod\u00edly.<\/p>\n\n\n\n

Specifick\u00e9 pojistn\u00e9 podm\u00ednky (smluvn\u00ed ujedn\u00e1n\u00ed)<\/strong><\/h2>\n\n\n\n

Konkr\u00e9tn\u00ed pojistn\u00e9 podm\u00ednky pro dan\u00fd pojistn\u00fd produkt. Vych\u00e1zej\u00ed ze v\u0161eobecn\u00fdch pojistn\u00fdch podm\u00ednek, kter\u00e9 d\u00e1le specifikuj\u00ed. Jde hlavn\u011b o r\u016fzn\u00e9 v\u00fdluky v konkr\u00e9tn\u00edm poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n

Spolu\u00fa\u010dast<\/strong><\/h2>\n\n\n\n

Hodnota, kterou se poji\u0161t\u011bn\u00fd pod\u00edl\u00ed na pojistn\u00e9 ud\u00e1losti. Obvykle je ve smlouv\u011b stanoven\u00e1 fixn\u00ed \u010d\u00e1stkou nebo procentem.<\/p>\n\n\n\n

Sponzorsk\u00e1 \u010dinnost<\/strong><\/h2>\n\n\n\n

Sponzorskou \u010dinnost\u00ed z\u00edsk\u00e1v\u00e1 komer\u010dn\u00ed poji\u0161\u0165ovna svou image. Jde o podporu jin\u00e9 \u010dinnosti, nap\u0159\u00edklad zdravotnictv\u00ed, kultury nebo \u0161kolstv\u00ed.<\/p>\n\n\n\n

Spr\u00e1va poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n

Soubor pracovn\u00edch postup\u016f, kter\u00e9 sm\u011b\u0159uj\u00ed k udr\u017een\u00ed a aktualizaci stavu pojistn\u00fdch smluv.<\/p>\n\n\n\n

Storno<\/strong><\/h2>\n\n\n\n

P\u0159ed\u010dasn\u00e9 ukon\u010den\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n

\u0160koda<\/strong><\/h2>\n\n\n\n

Po\u0161kozen\u00ed majetku, zdrav\u00ed nebo jin\u00fdch z\u00e1jm\u016f vyj\u00e1d\u0159en\u00e9 v pen\u011bz\u00edch. Pojistnou ud\u00e1lost\u00ed se st\u00e1v\u00e1, jen pokud \u0161koda vznikne p\u0159i ud\u00e1losti, kter\u00e1 je uveden\u00e1 mezi riziky v pojistn\u00e9 smlouv\u011b.<\/p>\n\n\n\n

\u0160kodn\u00ed ud\u00e1lost<\/strong><\/h2>\n\n\n\n

Skute\u010dnost, ze kter\u00e9 vznik\u00e1 \u0161koda a kter\u00e1 by mohla b\u00fdt d\u016fvodem vzniku pojistn\u00e9 ud\u00e1losti.<\/p>\n\n\n\n

\u0160kodovost<\/strong><\/h2>\n\n\n\n

Pom\u011br mezi v\u00fd\u0161\u00ed poskytnut\u00fdch pojistn\u00fdch pln\u011bn\u00ed a v\u00fd\u0161\u00ed p\u0159edepsan\u00e9ho pojistn\u00e9ho nebo kmenov\u00e9ho pojistn\u00e9ho. Ud\u00e1v\u00e1 se v procentech. M\u011bla by b\u00fdt men\u0161\u00ed ne\u017e netto pojistn\u00e9 v procentech a rozhodn\u011b by nem\u011bla dosahovat 100 % pojistn\u00e9ho. V p\u0159\u00edpad\u011b, \u017ee je vy\u0161\u0161\u00ed ne\u017e netto pojistn\u00e9 nebo dokonce jako brutto pojistn\u00e9, jde o ekonomicky nevyrovnan\u00e9 pojistn\u00e9 a poji\u0161\u0165ovn\u011b vytv\u00e1\u0159\u00ed ztr\u00e1tu.<\/p>\n\n\n\n

Technick\u00e9 rezervy<\/strong><\/h2>\n\n\n\n

Da\u0148ov\u011b uznan\u00e9 voln\u00e9 finan\u010dn\u00ed prost\u0159edky ur\u010den\u00e9 k vyu\u017eit\u00ed v budouc\u00edm \u00fa\u010detn\u00edm obdob\u00ed. Smyslem je zamezit zkreslen\u00ed hospod\u00e1\u0159sk\u00e9ho v\u00fdsledku poji\u0161\u0165ovny. Poji\u0161\u0165ovna mus\u00ed vytv\u00e1\u0159et technick\u00e9 rezervy, kter\u00e9 jsou ur\u010den\u00e9 k pln\u011bn\u00ed z\u00e1vazk\u016f vznikl\u00fdch z poji\u0161t\u011bn\u00ed. Jde o z\u00e1vazky, kter\u00e9 jsou pravd\u011bpodobn\u00e9 nebo jist\u00e9, ale nen\u00ed jist\u00e1 jejich v\u00fd\u0161e a okam\u017eik vzniku. V\u00fd\u0161i technick\u00e9 rezervy poji\u0161\u0165ovn\u011b stanovuje z\u00e1kon podle toho, jestli nab\u00edz\u00ed \u017eivotn\u00ed nebo ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n

Technick\u00e1 \u00farokov\u00e1 m\u00edra<\/strong><\/h2>\n\n\n\n

Zaru\u010den\u00fd pod\u00edl na v\u00fdnosech z finan\u010dn\u00edho um\u00edst\u011bn\u00ed v \u017eivotn\u00edm poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n

Ukazatel\u00e9 \u00farovn\u011b pojistn\u00e9ho trhu<\/strong><\/h2>\n\n\n\n

Slou\u017e\u00ed k hodnocen\u00ed pojistn\u00e9ho trhu \u2013 hodnot\u00ed obsah, rozsah, efektivnost. Tyto ukazatele je pot\u0159eba vyb\u00edrat tak, abychom mohli trh hodnotit komplexn\u011b a z\u00e1rove\u0148 se jednalo o ukazatele vyu\u017e\u00edvan\u00e9 ve vysp\u011bl\u00fdch ekonomik\u00e1ch. Pat\u0159\u00ed mezi n\u011b p\u0159edepsan\u00e9 pojistn\u00e9, pojistn\u00e9 pln\u011bn\u00ed, \u0161kodovost, poji\u0161t\u011bnost, koncentrace pojistn\u00e9ho trhu, po\u010det komer\u010dn\u00edch poji\u0161\u0165oven, po\u010det uzav\u0159en\u00fdch pojistn\u00fdch smluv, pr\u016fm\u011brn\u00e9 pojistn\u00e9 na jednu pojistnou smlouvu atd.<\/p>\n\n\n\n

\u00dazemn\u00ed platnost<\/strong><\/h2>\n\n\n\n

\u00dazem\u00ed, na kter\u00e9m plat\u00ed povinn\u00e9 poji\u0161t\u011bn\u00ed. Je vymezen\u00e9 vyhl\u00e1\u0161kou Ministerstva financ\u00ed \u010cR a zelenou kartou.<\/p>\n\n\n\n

Vinkulace<\/strong><\/h2>\n\n\n\n

V\u00e1z\u00e1n\u00ed v\u00fdplaty pojistn\u00e9ho pln\u011bn\u00ed na dohodnut\u00e9 podm\u00ednky, zpravidla ve prosp\u011bch v\u011b\u0159itele poji\u0161t\u011bn\u00e9ho. Poji\u0161\u0165ovna se potvrzen\u00edm vinkulace zavazuje, \u017ee nevyplat\u00ed pojistn\u00e9 pln\u011bn\u00ed z p\u0159\u00edpadn\u00e9 \u0161kody poji\u0161t\u011bn\u00e9mu, ale jin\u00e9 osob\u011b. Prov\u00e1d\u00ed se hlavn\u011b u poji\u0161t\u011bn\u00ed majetku<\/a> a havarijn\u00edho poji\u0161t\u011bn\u00ed. Je ale mo\u017en\u00e1 i jinde, nap\u0159\u00edklad u poji\u0161t\u011bn\u00ed pohled\u00e1vek.<\/p>\n\n\n\n

V\u0161eobecn\u00e9 pojistn\u00e9 podm\u00ednky<\/strong><\/h2>\n\n\n\n

Obecn\u00e9 podm\u00ednky pro jednotliv\u00e1 pojistn\u00e1 odv\u011btv\u00ed nebo pojistn\u00e9 druhy. Ur\u010duj\u00ed zp\u016fsob uzav\u0159en\u00ed pojistn\u00e9 smlouvy, za\u010d\u00e1tek, dobu a ukon\u010den\u00ed poji\u0161t\u011bn\u00ed, v\u00fdluky z poji\u0161t\u011bn\u00ed, p\u0159edm\u011bt poji\u0161t\u011bn\u00ed, zp\u016fsob a term\u00edny placen\u00ed pojistn\u00e9ho, podm\u00ednky poskytnut\u00ed pojistn\u00e9ho pln\u011bn\u00ed.<\/p>\n\n\n\n

V\u00fdkyvov\u00e1 (bezpe\u010dnostn\u00ed) p\u0159ir\u00e1\u017eka<\/strong><\/h2>\n\n\n\n

Sazba orientovan\u00e1 na p\u0159\u00edpadn\u00e9 n\u00e1hl\u00e9 v\u00fdkyvy \u0161kodn\u00edho pr\u016fb\u011bhu. M\u016f\u017ee j\u00edt o v\u00fdkyvy od pr\u016fm\u011brn\u00fdch hodnot v po\u010dtu ud\u00e1lost\u00ed nebo v rozsahu ztr\u00e1t, kter\u00e9 zp\u016fsob\u00ed jedna ud\u00e1lost. Je zakomponovan\u00e1 p\u0159\u00edmo do pojistn\u00e9ho.<\/p>\n\n\n\n

V\u00fdluky z poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n

V\u011bci nebo rizika, kter\u00e9 jsou vy\u0148aty z pojistn\u00e9ho kryt\u00ed. \u0160kody na nich nebo jimi zp\u016fsoben\u00e9 poji\u0161\u0165ovna nepropl\u00e1c\u00ed. N\u011bkter\u00e9 z nich nen\u00ed mo\u017en\u00e9 p\u0159ipojistit za zv\u00fd\u0161en\u00e9 pojistn\u00e9.<\/p>\n\n\n\n

V\u00fdpov\u011b\u010f<\/strong><\/h2>\n\n\n\n

P\u00edsemn\u00e1 \u017e\u00e1dost o ukon\u010den\u00ed smlouvy. Podm\u00ednky p\u0159edlo\u017een\u00ed a akceptace stanov\u00ed V\u0161eobecn\u00e9 pojistn\u00e9 podm\u00ednky.<\/p>\n\n\n\n

Z\u00e1brann\u00e1 \u010dinnost<\/strong><\/h2>\n\n\n\n

\u010cinnost poji\u0161\u0165ovny, kter\u00e1 prosazuje preventivn\u00ed opat\u0159en\u00ed ke sni\u017eov\u00e1n\u00ed rizika a rozsahu \u0161kod. Finan\u010dn\u00ed p\u0159\u00edsp\u011bvky a \u00fav\u011bry se pou\u017eij\u00ed na preventivn\u00ed opat\u0159en\u00ed, za\u0159\u00edzen\u00ed, v\u00fdchovu nebo propaga\u010dn\u00ed \u010dinnost.<\/p>\n\n\n\n

Zajistitel (cedent)<\/strong><\/h2>\n\n\n\n

Pr\u00e1vnick\u00e1 osoba, kter\u00e1 dostala povolen\u00ed k provozov\u00e1n\u00ed zaji\u0161\u0165ovac\u00ed \u010dinnosti.<\/p>\n\n\n\n

Zajistn\u00e9<\/strong><\/h2>\n\n\n\n

Odm\u011bna zajistiteli za p\u0159evzet\u00ed rizika. V\u00fd\u0161e zajistn\u00e9ho je \u010d\u00e1st\u00ed pojistn\u00e9ho t\u011bch smluv, kter\u00e9 jsou p\u0159edm\u011btem zajistn\u00e9 smlouvy. Sou\u010d\u00e1st\u00ed zajistn\u00e9ho je zaji\u0161\u0165ovac\u00ed provize.<\/p>\n\n\n\n

Zaji\u0161t\u011bn\u00ed a zaji\u0161\u0165ovac\u00ed \u010dinnost (cese)<\/strong><\/h2>\n\n\n\n

Jde o samostatnou oblast poji\u0161\u0165ovnictv\u00ed, vlastn\u011b \u201epoji\u0161t\u011bn\u00ed poji\u0161\u0165ovny\u201d. Z\u00e1kladem zaji\u0161\u0165ovac\u00ed \u010dinnosti je rozklad rizika a zmen\u0161en\u00ed dopadu na pojistn\u011b-technick\u00e9 rezervy. Pojistitel (cesion\u00e1\u0159) p\u0159en\u00e1\u0161\u00ed \u010d\u00e1st sv\u00e9ho rizika na zajistitele, kter\u00fd za \u00faplatu (zajistn\u00e9) tuto \u010d\u00e1st rizika p\u0159eb\u00edr\u00e1. Zaji\u0161t\u011bn\u00ed je pr\u00e1vn\u00ed vztah, kter\u00fd vznik\u00e1 mezi pojistitelem a zajistitelem.<\/p>\n\n\n\n

Zaji\u0161t\u011bn\u00ed poolov\u00e9<\/strong><\/h2>\n\n\n\n

Do\u010dasn\u00e9 dohody pojistitel\u016f, kter\u00e9 maj\u00ed charakter zaji\u0161t\u011bn\u00ed. Jejich c\u00edlem je soust\u0159edit kapacitu k pokryt\u00ed velk\u00fdch rizik katastrofick\u00e9 povahy nebo zvl\u00e1\u0161tn\u00edho charakteru. V\u0161ichni \u010dlenov\u00e9 vkl\u00e1daj\u00ed cel\u00e9 pojistn\u00e9 nebo jeho \u010d\u00e1st do spole\u010dn\u00e9ho fondu. V\u0161ichni se pak pod\u00edlej\u00ed na vznikl\u00fdch \u0161kod\u00e1ch takov\u00fdm d\u00edlem, jak\u00fd byl jejich vklad, p\u0159\u00edpadn\u011b jin\u00fdm dohodnut\u00fdm d\u00edlem.<\/p>\n\n\n\n

Zaji\u0161t\u011bn\u00ed recipro\u010dn\u00ed<\/strong><\/h2>\n\n\n\n

Vz\u00e1jemn\u00fd vztah mezi partnery, kdy ka\u017ed\u00e1 ze stran jednou vystupuje jako pojistitel a podruh\u00e9 jako zajistitel.<\/p>\n\n\n\n

Zaji\u0161\u0165ovac\u00ed provize<\/strong><\/h2>\n\n\n\n

\u010c\u00e1st zajistn\u00e9ho \u2013 p\u0159\u00edsp\u011bvek zajistitele pojistiteli na \u00fahradu jeho spr\u00e1vn\u00edch n\u00e1klad\u016f. Tento p\u0159\u00edsp\u011bvek je d\u00e1n procentem (v\u011bt\u0161inou 5\u201335 %), kter\u00e9 b\u00fdv\u00e1 pevn\u00e9, ale existuje i pohybliv\u00e1 sazba.<\/p>\n\n\n\n

Zaji\u0161\u0165ovac\u00ed smlouva<\/strong><\/h2>\n\n\n\n

Smlouva mezi pojistitelem a zajistitelem, kter\u00e1 mus\u00ed m\u00edt p\u00edsemnou podobu. P\u0159edm\u011btem t\u00e9to smlouvy je zaji\u0161t\u011bn\u00ed. Uzav\u0159en\u00edm t\u00e9to smlouvy se rozum\u00ed realizace n\u00e1kupu a prodeje zajistn\u00e9 ochrany za p\u0159edem stanoven\u00fdch podm\u00ednek.<\/p>\n\n\n\n

Zaji\u0161\u0165ovna<\/strong><\/h2>\n\n\n\n

Podnikatelsk\u00fd subjekt, kter\u00fd vykon\u00e1v\u00e1 zaji\u0161\u0165ovac\u00ed \u010dinnost.<\/p>\n\n\n\n

Z\u00e1kladn\u00ed kapit\u00e1l komer\u010dn\u00ed poji\u0161\u0165ovny<\/strong><\/h2>\n\n\n\n

Hmotn\u00fd a nehmotn\u00fd kapit\u00e1l a z\u00e1soby. Kapit\u00e1lov\u00e1 vybavenost ovliv\u0148uje bezpe\u010dnost provozov\u00e1n\u00ed podnikatelsk\u00e9 \u010dinnosti. Proto jsou po\u017eadavky na z\u00e1kladn\u00ed kapit\u00e1l odstup\u0148ovan\u00e9 podle provozov\u00e1n\u00ed pojistn\u00fdch odv\u011btv\u00ed. Stanoven\u00e9 limity se m\u016f\u017eou upravit na z\u00e1klad\u011b prov\u00e1d\u011bc\u00ed vyhl\u00e1\u0161ky Ministerstva financ\u00ed \u010cR \u2013 hlavn\u011b kv\u016fli jejich znehodnocen\u00ed inflac\u00ed.<\/p>\n\n\n\n

Z\u00e1konn\u00fd z\u00e1stupce<\/strong><\/h2>\n\n\n\n

Osoba, kter\u00e1 je opr\u00e1vn\u011bn\u00e1 jednat za osobu, jej\u00ed\u017e zp\u016fsobilost je pr\u00e1vn\u011b omezen\u00e1.<\/p>\n\n\n\n

Zelen\u00e1 karta<\/strong><\/h2>\n\n\n\n

Zvl\u00e1\u0161tn\u00ed potvrzen\u00ed o platnosti smluvn\u00edho povinn\u00e9ho poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu zp\u016fsobenou provozem motorov\u00e9ho vozidla v zahrani\u010d\u00ed.<\/p>\n\n\n\n

Zprost\u0159edkovatel<\/strong><\/h2>\n\n\n\n

Fyzick\u00e1 nebo pr\u00e1vnick\u00e1 osoba, kter\u00e1 vykon\u00e1v\u00e1 zprost\u0159edkovatelskou \u010dinnost sm\u011b\u0159uj\u00edc\u00ed k uzav\u0159en\u00ed smlouvy mezi pojistitelem a t\u0159et\u00ed osobou. Rozli\u0161ujeme zprost\u0159edkovatele z\u00e1visl\u00e9ho (obvykle pracuje pro jednu poji\u0161\u0165ovnu) a nez\u00e1visl\u00e9ho (nen\u00ed v\u00e1zan\u00fd na konkr\u00e9tn\u00ed poji\u0161\u0165ovnu). Zprost\u0159edkovatel vykon\u00e1v\u00e1 svou \u010dinnost za provizi (odm\u011bnu), kter\u00e1 je zakalkulovan\u00e1 v pojistn\u00e9m. Zprost\u0159edkovatelem je poji\u0161\u0165ovac\u00ed agent, poji\u0161\u0165ovac\u00ed makl\u00e9\u0159<\/a> nebo zaji\u0161\u0165ovac\u00ed makl\u00e9\u0159.<\/p>\n\n\n\n

Zp\u016fsob placen\u00ed pojistn\u00e9ho<\/strong><\/h2>\n\n\n\n

Forma proveden\u00ed platby \u2013 bezhotovostn\u00ed, po\u0161tovn\u00ed pouk\u00e1zkou apod.<\/p>\n","protected":false},"excerpt":{"rendered":"

Vyznejte se v pojistn\u00e9 smlouv\u011b jako odborn\u00edk a nenechte se zasko\u010dit nezn\u00e1m\u00fdmi slov\u00ed\u010dky. Ve t\u0159et\u00edm d\u00edle seri\u00e1lu Slovn\u00edk poji\u0161t\u011bn\u00ed se zam\u011b\u0159\u00edme na poji\u0161\u0165ovac\u00ed pojmy z konce abecedy \u2013 tedy od S do Z. Samopoji\u0161t\u011bn\u00ed Proces, p\u0159i kter\u00e9m si \u010dlov\u011bk vytv\u00e1\u0159\u00ed vlastn\u00ed zdroje na pokryt\u00ed neo\u010dek\u00e1van\u00fdch ztr\u00e1t \u2013 nap\u0159\u00edklad \u00faspory. P\u0159\u00edpadn\u011b tyto neo\u010dek\u00e1van\u00e9 ztr\u00e1ty kryje pomoc\u00ed \u00fav\u011bru. Sazba pojistn\u00e9ho Relativn\u00ed vyj\u00e1d\u0159en\u00ed ceny pojistn\u00e9ho rizika. Obvykle se uv\u00e1d\u00ed v promile nebo v procentech z pojistn\u00e9 hodnoty. N\u011bkdy se stanovuje v absolutn\u00ed hodnot\u011b v korun\u00e1ch, a to hlavn\u011b v kr\u00e1tkodob\u00e9m poji\u0161t\u011bn\u00ed. Smluvn\u00ed ujedn\u00e1n\u00ed Z\u00e1vazn\u00e1 ustanoven\u00ed, kter\u00e1 specifikuj\u00ed V\u0161eobecn\u00e9 pojistn\u00e9 podm\u00ednky a zahrnuj\u00ed i platn\u00e9 odchylky a dopl\u0148ky. Solventnost Dostatek voln\u00fdch finan\u010dn\u00edch prost\u0159edk\u016f na kryt\u00ed v\u0161ech pot\u0159eb a z\u00e1vazk\u016f v dan\u00e9m \u010dase. V poji\u0161\u0165ovnictv\u00ed se posuzuje okam\u017eit\u00e1 likvidita \u2013 ta se ur\u010duje mno\u017estv\u00edm disponibiln\u00edch technick\u00fdch rezerv a testem solventnosti (schopnost\u00ed kr\u00fdt budouc\u00ed z\u00e1vazky). Soupoji\u0161t\u011bn\u00ed Prim\u00e1rn\u00ed rozd\u011blen\u00ed rizika. Jeho podstatou je rozd\u011blen\u00ed rizika mezi n\u011bkolik pojistitel\u016f, kte\u0159\u00ed odpov\u00eddaj\u00ed za sv\u00e9 pod\u00edly. Specifick\u00e9 pojistn\u00e9 podm\u00ednky (smluvn\u00ed ujedn\u00e1n\u00ed) Konkr\u00e9tn\u00ed pojistn\u00e9 podm\u00ednky pro dan\u00fd pojistn\u00fd produkt. Vych\u00e1zej\u00ed ze v\u0161eobecn\u00fdch pojistn\u00fdch podm\u00ednek, kter\u00e9 d\u00e1le specifikuj\u00ed. Jde hlavn\u011b o r\u016fzn\u00e9 v\u00fdluky v konkr\u00e9tn\u00edm poji\u0161t\u011bn\u00ed. Spolu\u00fa\u010dast Hodnota, kterou se poji\u0161t\u011bn\u00fd pod\u00edl\u00ed na pojistn\u00e9 ud\u00e1losti. Obvykle je ve smlouv\u011b stanoven\u00e1 fixn\u00ed \u010d\u00e1stkou […]<\/p>\n","protected":false},"author":7,"featured_media":1314,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,7,5],"tags":[52,28,18,58,27],"class_list":["post-1313","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-pojisteni-majetku","tag-zivotni-pojisteni"],"yoast_head":"\nSlovn\u00edk poji\u0161t\u011bn\u00ed III. 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