{"id":22829,"date":"2025-10-28T10:47:47","date_gmt":"2025-10-28T09:47:47","guid":{"rendered":"https:\/\/e-zena.cz\/?p=22829"},"modified":"2025-10-28T10:47:48","modified_gmt":"2025-10-28T09:47:48","slug":"ktera-pojisteni-stoji-za-to-a-co-je-jen-vyhazovani-penez","status":"publish","type":"post","link":"https:\/\/e-zena.cz\/?p=22829","title":{"rendered":"Kter\u00e1 poji\u0161t\u011bn\u00ed stoj\u00ed za to a co je jen vyhazov\u00e1n\u00ed pen\u011bz?"},"content":{"rendered":"\n

Ka\u017ed\u00fd z n\u00e1s plat\u00ed n\u011bjak\u00e9 pojistky. Povinn\u00e9 ru\u010den\u00ed k autu, cestovn\u00ed poji\u0161t\u011bn\u00ed na dovolenou, mo\u017en\u00e1 i \u017eivotn\u00ed nebo havarijn\u00ed poji\u0161t\u011bn\u00ed. Jen\u017ee kolik z nich skute\u010dn\u011b pot\u0159ebujeme? N\u011bkter\u00e1 poji\u0161t\u011bn\u00ed n\u00e1s chr\u00e1n\u00ed p\u0159ed skute\u010dn\u00fdmi riziky, zat\u00edmco jin\u00e1 jsou jen zp\u016fsob, jak poji\u0161\u0165ovny vyd\u011bl\u00e1vaj\u00ed na na\u0161ich obav\u00e1ch. Pod\u00edvejme se na to, kter\u00e1 poji\u0161t\u011bn\u00ed maj\u00ed smysl a kde m\u016f\u017eete klidn\u011b u\u0161et\u0159it.<\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed majetku jako z\u00e1klad ochrany va\u0161eho domova<\/h2>\n\n\n\n

P\u0159edstavte si, \u017ee p\u0159ijdete dom\u016f a zjist\u00edte, \u017ee v\u00e1m praskl\u00e9 potrub\u00ed zatopilo cel\u00fd byt. Nebo je\u0161t\u011b h\u016f\u0159 \u2013 po\u017e\u00e1r zni\u010dil p\u016flku domu. V takov\u00fdch situac\u00edch ocen\u00edte, \u017ee plat\u00edte poji\u0161t\u011bn\u00ed nemovitosti i poji\u0161t\u011bn\u00ed dom\u00e1cnosti. Tyhle katastrofy se nest\u00e1vaj\u00ed \u010dasto, ale kdy\u017e p\u0159ijdou, dok\u00e1\u017eou v\u00e1s finan\u010dn\u011b zruinovat.<\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed nemovitosti kryje \u0161kody na samotn\u00e9 budov\u011b \u2013 tedy zdech, st\u0159e\u0161e, podlah\u00e1ch. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti zase chr\u00e1n\u00ed v\u00e1\u0161 n\u00e1bytek, elektroniku a dal\u0161\u00ed v\u011bci uvnit\u0159. \u010casto se vyplat\u00ed m\u00edt oboj\u00ed. \u0158ekn\u011bme, \u017ee m\u00e1te byt v hodnot\u011b t\u0159\u00ed milion\u016f a vybaven\u00ed za p\u016fl milionu. Ro\u010dn\u00ed pojistka v\u00e1s vyjde t\u0159eba na osm tis\u00edc korun. To nen\u00ed zrovna m\u00e1lo, ale proti riziku ztr\u00e1ty milion\u016f je to vlastn\u011b drobn\u00e9.<\/p>\n\n\n\n

Pozor si dejte na limity pln\u011bn\u00ed a v\u00fdluky. N\u011bkter\u00e9 poji\u0161\u0165ovny t\u0159eba neplat\u00ed \u0161kody zp\u016fsoben\u00e9 povodn\u00ed, pokud bydl\u00edte v z\u00e1plavov\u00e9 oblasti. Nebo maj\u00ed n\u00edzk\u00fd limit na elektroniku a pokud vlastn\u00edte drah\u00fd po\u010d\u00edta\u010d nebo televizi, standardn\u00ed pojistka nemus\u00ed sta\u010dit. \u010ct\u011bte pe\u010dliv\u011b smlouvy a ptejte se na detaily. Nen\u00ed nic hor\u0161\u00edho ne\u017e po \u0161kod\u011b zjistit, \u017ee poji\u0161\u0165ovna nebude platit.<\/p>\n\n\n\n

A pokud u\u017e se stane, \u017ee se n\u011bco pojistka nevztahuje nebo pot\u0159ebujete vy\u0159e\u0161it spolu\u00fa\u010dast, m\u016f\u017eete vyu\u017e\u00edt p\u016fj\u010dku. Nap\u0159\u00edklad tady: https:\/\/proficredit.cz\/pujcka-online<\/a>. Pom\u016f\u017ee v\u00e1m p\u0159eklenout do\u010dasn\u00fd nedostatek hotovosti.<\/p>\n\n\n\n

Kdy m\u00e1 smysl \u017eivotn\u00ed poji\u0161t\u011bna kdy je zbyte\u010dn\u00e9<\/h2>\n\n\n\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed vyvol\u00e1v\u00e1 hodn\u011b emoc\u00ed. N\u011bkdo ho pova\u017euje za naprostou nutnost, jin\u00fd za vyhozen\u00e9 pen\u00edze. Pravda je, jako obvykle, n\u011bkde uprost\u0159ed. Z\u00e1le\u017e\u00ed hlavn\u011b na va\u0161\u00ed \u017eivotn\u00ed situaci.<\/p>\n\n\n\n

M\u00e1te rodinu, hypot\u00e9ku a jste jedin\u00fd \u017eivitel? Pak rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed d\u00e1v\u00e1 obrovsk\u00fd smysl. Za p\u00e1r stovek m\u011bs\u00ed\u010dn\u011b zajist\u00edte, \u017ee va\u0161e rodina nebude v p\u0159\u00edpad\u011b va\u0161eho \u00famrt\u00ed bez prost\u0159edk\u016f. Hypot\u00e9ka se doplat\u00ed, d\u011bti budou m\u00edt na \u0161koly. To nen\u00ed stra\u0161en\u00ed, to je zodpov\u011bdnost. Na druhou stranu, pokud jste mlad\u00fd, svobodn\u00fd, bez z\u00e1vazk\u016f, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pravd\u011bpodobn\u011b nepot\u0159ebujete.<\/p>\n\n\n\n

Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je \u010dasto je\u0161t\u011b problemati\u010dt\u011bj\u0161\u00ed. Poplatky b\u00fdvaj\u00ed vysok\u00e9, v\u00fdnosy n\u00edzk\u00e9. V\u011bt\u0161inou se vyplat\u00ed investovat samostatn\u011b a m\u00edt \u010dist\u00e9 rizikov\u00e9 poji\u0161t\u011bn\u00ed jen na kryt\u00ed skute\u010dn\u00fdch rizik. Samoz\u0159ejm\u011b existuj\u00ed v\u00fdjimky.<\/p>\n\n\n\n

\u00darazov\u00e9 poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed invalidity<\/h2>\n\n\n\n

Tady se bav\u00edme o poji\u0161t\u011bn\u00ed, kter\u00e9 \u010dasto podce\u0148ujeme. P\u0159itom riziko \u00farazu nebo invalidity nen\u00ed zanedbateln\u00e9. Auto v\u00e1s m\u016f\u017ee srazit kdykoliv, p\u0159i sportu si m\u016f\u017eete v\u00e1\u017en\u011b ubl\u00ed\u017eit, nemoci tak\u00e9 p\u0159ich\u00e1zej\u00ed ne\u010dekan\u011b.<\/p>\n\n\n\n

\u00darazov\u00e9 poji\u0161t\u011bn\u00ed vypl\u00e1c\u00ed pen\u00edze p\u0159i \u00farazu \u2013 a\u0165 u\u017e jednor\u00e1zov\u011b, nebo jako denn\u00ed d\u00e1vky p\u0159i pracovn\u00ed neschopnosti. Pokud pracujete jako OSV\u010c nebo m\u00e1te fyzicky n\u00e1ro\u010dnou pr\u00e1ci, tohle poji\u0161t\u011bn\u00ed m\u00e1 velk\u00fd smysl. Zam\u011bstnanci maj\u00ed alespo\u0148 nemocenskou, ale ta pokryje jen \u010d\u00e1st p\u0159\u00edjmu. OSV\u010c nemaj\u00ed nic, tak\u017ee poji\u0161t\u011bn\u00ed u komer\u010dn\u00ed poji\u0161\u0165ovny m\u016f\u017ee b\u00fdt z\u00e1chrana.<\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed invalidity a trval\u00fdch n\u00e1sledk\u016f \u00farazu je je\u0161t\u011b d\u016fle\u017eit\u011bj\u0161\u00ed, ale \u010dasto opom\u00edjen\u00e9. P\u0159edstavte si, \u017ee ve t\u0159iceti letech onemocn\u00edte nebo se v\u00e1m stane \u00faraz, kv\u016fli kter\u00e9mu u\u017e nebudete moct pracovat. Invalidn\u00ed d\u016fchod od st\u00e1tu je sm\u011b\u0161n\u011b n\u00edzk\u00fd. Bez poji\u0161t\u011bn\u00ed m\u016f\u017eete skon\u010dit v chudob\u011b, i kdy\u017e jste cel\u00fd \u017eivot poctiv\u011b pracovali.<\/p>\n\n\n\n

Cestovn\u00ed poji\u0161t\u011bn\u00ed je mal\u00e1 investice, kter\u00e1 se vyplat\u00ed<\/h2>\n\n\n\n

N\u011bkdo na cestovn\u00ed poji\u0161t\u011bn\u00ed ned\u00e1 dopustit, jin\u00fd ho pova\u017euje za zbyte\u010dnost. Jak\u00e1 je realita? Z\u00e1le\u017e\u00ed, kam a jak \u010dasto cestujete. Do Chorvatska autem na t\u00fdden? Mo\u017en\u00e1 vysta\u010d\u00edte s karti\u010dkou zdravotn\u00ed poji\u0161\u0165ovny. Do Thajska na t\u0159i t\u00fddny? Bez kvalitn\u00edho cestovn\u00edho poji\u0161t\u011bn\u00ed ani nevyj\u00ed\u017ed\u011bjte na leti\u0161t\u011b.<\/p>\n\n\n\n

L\u00e9\u010dba v zahrani\u010d\u00ed m\u016f\u017ee b\u00fdt opravdu hodn\u011b drah\u00e1. V USA v\u00e1s jedna noc v nemocnici m\u016f\u017ee vyj\u00edt na statis\u00edce korun. Operace klidn\u011b na miliony. Cestovn\u00ed poji\u0161t\u011bn\u00ed na dva t\u00fddny stoj\u00ed p\u00e1r stovek a\u017e tis\u00edcovku. To je proti riziku milionov\u00fdch n\u00e1klad\u016f vlastn\u011b legrace.<\/p>\n\n\n\n

D\u016fle\u017eit\u00e9 je vybrat spr\u00e1vn\u00fd rozsah. Z\u00e1kladn\u00ed pojistka za sto korun mo\u017en\u00e1 nesta\u010d\u00ed. Sledujte limity na l\u00e9\u010debn\u00e9 v\u00fdlohy a aktivity, kter\u00e9 pojistka kryje (nap\u0159\u00edklad nebezpe\u010dn\u00e9 sporty).<\/p>\n\n\n\n

Kter\u00e1 poji\u0161t\u011bn\u00ed jsou \u010dasto zbyte\u010dn\u00e1?<\/h2>\n\n\n\n

Te\u010f k t\u011bm m\u00e9n\u011b popul\u00e1rn\u00edm pravd\u00e1m. Spousta poji\u0161t\u011bn\u00ed, kter\u00e1 n\u00e1m poji\u0161\u0165ovny tla\u010d\u00ed, je v podstat\u011b k ni\u010demu. Nebo aspo\u0148 pro v\u011bt\u0161inu lid\u00ed.<\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed mobiln\u00edho telefonu je klasick\u00fd p\u0159\u00edklad. Za telefon za dvacet tis\u00edc plat\u00edte pojistku t\u0159eba dva tis\u00edce ro\u010dn\u011b. Po t\u0159ech letech jste zaplatili \u0161est tis\u00edc, telefon m\u00e1 hodnotu mo\u017en\u00e1 p\u011bt tis\u00edc a poji\u0161\u0165ovna v\u00e1m p\u0159i tot\u00e1ln\u00ed \u0161kod\u011b vyplat\u00ed je\u0161t\u011b m\u00e9n\u011b. Lep\u0161\u00ed je d\u00e1t si na telefon pozor a p\u0159\u00edpadnou opravu nebo v\u00fdm\u011bnu zaplatit z vlastn\u00ed kapsy.<\/p>\n\n\n\n

Prodlou\u017een\u00e9 z\u00e1ruky na elektroniku funguj\u00ed podobn\u011b. Obchodn\u00edci na nich vyd\u011bl\u00e1vaj\u00ed majlant, proto\u017ee v\u011bt\u0161ina elektroniky se b\u011bhem prodlou\u017een\u00e9 z\u00e1ruky nepokaz\u00ed. A kdy\u017e ano, \u010dasto je levn\u011bj\u0161\u00ed koupit nov\u00fd p\u0159\u00edstroj ne\u017e platit roky dop\u0159edu pojistku.<\/p>\n\n\n\n

Poji\u0161t\u011bn\u00ed storna z\u00e1jezdu m\u00e1 smysl jen v\u00fdjime\u010dn\u011b, t\u0159eba kdy\u017e kupujete velmi drahou dovolenou hodn\u011b dop\u0159edu. Jinak jsou stornovac\u00ed podm\u00ednky cestovn\u00edch kancel\u00e1\u0159\u00ed \u010dasto dosta\u010duj\u00edc\u00ed a pojistka je zbyte\u010dn\u00fd n\u00e1klad.<\/p>\n\n\n\n

Jak vybrat spr\u00e1vn\u00e1 poji\u0161t\u011bn\u00ed a u\u0161et\u0159it<\/h2>\n\n\n\n

Z\u00e1kladn\u00ed pravidlo zn\u00ed: Poji\u0161\u0165ujte se proti rizik\u016fm, kter\u00e1 byste finan\u010dn\u011b neust\u00e1li. Nem\u016f\u017eete si dovolit koupit nov\u00fd d\u016fm, kdy\u017e ten star\u00fd sho\u0159\u00ed? Pot\u0159ebujete poji\u0161t\u011bn\u00ed nemovitosti. Dok\u00e1\u017eete koupit nov\u00fd telefon, kdy\u017e se ten star\u00fd rozbije? Poji\u0161t\u011bn\u00ed telefonu nepot\u0159ebujete.<\/p>\n\n\n\n

Pravideln\u011b kontrolujte sv\u00e9 pojistky. Mo\u017en\u00e1 plat\u00edte za n\u011bco, co u\u017e nevlastn\u00edte, nebo m\u00e1te duplicitn\u00ed kryt\u00ed. T\u0159eba odpov\u011bdnost za \u0161kodu m\u00e1te v poji\u0161t\u011bn\u00ed dom\u00e1cnosti i jako p\u0159ipoji\u0161t\u011bn\u00ed ke kart\u011b. Porovn\u00e1vejte nab\u00eddky r\u016fzn\u00fdch poji\u0161\u0165oven. Ceny se li\u0161\u00ed i o des\u00edtky procent za stejn\u00e9 kryt\u00ed.<\/p>\n\n\n\n

Nebojte se vyjedn\u00e1vat. Poji\u0161\u0165ovny \u010dasto nab\u00edzej\u00ed slevy v\u011brn\u00fdm klient\u016fm nebo p\u0159i sjedn\u00e1n\u00ed v\u00edce pojistek. Ptejte se na slevy, bonusy, ak\u010dn\u00ed nab\u00eddky. U\u0161et\u0159it dvacet procent na pojistn\u00e9m nen\u00ed \u017e\u00e1dn\u00e1 raketov\u00e1 v\u011bda, sta\u010d\u00ed se zaj\u00edmat a neb\u00e1t se zm\u011bnit poji\u0161\u0165ovnu.<\/p>\n\n\n\n

D\u016fle\u017eit\u00e9 je naj\u00edt rovnov\u00e1hu mezi rizikem a n\u00e1klady. P\u0159epoji\u0161t\u011bn\u00ed je zbyte\u010dn\u00e9 vyhazov\u00e1n\u00ed pen\u011bz, podpoji\u0161t\u011bn\u00ed v\u00e1s m\u016f\u017ee zruinovat. Sedn\u011bte si, sepi\u0161te si sv\u00e1 skute\u010dn\u00e1 rizika a podle toho vyberte poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n

Pojistka nen\u00ed investice, je to ochrana proti katastrof\u011b. Pokud ji nikdy nevyu\u017eijete, nen\u00ed to prohran\u00e1 investice, ale znamen\u00ed, \u017ee se v\u00e1m da\u0159\u00ed dob\u0159e.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ka\u017ed\u00fd z n\u00e1s plat\u00ed n\u011bjak\u00e9 pojistky. Povinn\u00e9 ru\u010den\u00ed k autu, cestovn\u00ed poji\u0161t\u011bn\u00ed na dovolenou, mo\u017en\u00e1 i \u017eivotn\u00ed nebo havarijn\u00ed poji\u0161t\u011bn\u00ed. Jen\u017ee kolik z nich skute\u010dn\u011b pot\u0159ebujeme? N\u011bkter\u00e1 poji\u0161t\u011bn\u00ed n\u00e1s chr\u00e1n\u00ed p\u0159ed skute\u010dn\u00fdmi riziky, zat\u00edmco jin\u00e1 jsou jen zp\u016fsob, jak poji\u0161\u0165ovny vyd\u011bl\u00e1vaj\u00ed na na\u0161ich obav\u00e1ch. Pod\u00edvejme se na to, kter\u00e1 poji\u0161t\u011bn\u00ed maj\u00ed smysl a kde m\u016f\u017eete […]<\/p>\n","protected":false},"author":1,"featured_media":22830,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[9],"tags":[],"class_list":["post-22829","post","type-post","status-publish","format-standard","has-post-thumbnail","category-zpravy"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/e-zena.cz\/index.php?rest_route=\/wp\/v2\/posts\/22829","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/e-zena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/e-zena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/e-zena.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/e-zena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=22829"}],"version-history":[{"count":1,"href":"https:\/\/e-zena.cz\/index.php?rest_route=\/wp\/v2\/posts\/22829\/revisions"}],"predecessor-version":[{"id":22831,"href":"https:\/\/e-zena.cz\/index.php?rest_route=\/wp\/v2\/posts\/22829\/revisions\/22831"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/e-zena.cz\/index.php?rest_route=\/wp\/v2\/media\/22830"}],"wp:attachment":[{"href":"https:\/\/e-zena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=22829"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/e-zena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=22829"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/e-zena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=22829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}