[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lotmat.cz\/pojisteni-nepojisteni\/#Article","mainEntityOfPage":"https:\/\/www.lotmat.cz\/pojisteni-nepojisteni\/","headline":"Poji\u0161t\u011bn\u00ed \u2013 nepoji\u0161t\u011bn\u00ed","name":"Poji\u0161t\u011bn\u00ed \u2013 nepoji\u0161t\u011bn\u00ed","description":"Mo\u017en\u00e1 to zn\u00e1te tak\u00e9. U dve\u0159\u00ed zazvon\u00ed poji\u0161\u0165ovac\u00ed poradce, kter\u00fd V\u00e1s nav\u0161t\u00edv\u00ed na doporu\u010den\u00ed n\u011bjak\u00e9ho Va\u0161eho zn\u00e1m\u00e9ho, ze kter\u00e9ho vym\u00e1mil kontakt na V\u00e1s. P\u0159ijde V\u00e1m hloup\u00e9 takov\u00e9ho \u010dlov\u011bka rovnou odb\u00fdt a vyhodit, stejn\u011b si nem\u00e1te v\u00a0\u00famyslu cokoli uzav\u0159\u00edt. Jen\u017ee doty\u010dn\u00fd poradce pov\u00edd\u00e1 a pov\u00edd\u00e1, a\u017e se mu poda\u0159\u00ed V\u00e1s \u00fapln\u011b zm\u00e1st t\u00edm, jak produkt, kter\u00fd&hellip; <br> <a class=\"read-more\" href=\"https:\/\/www.lotmat.cz\/pojisteni-nepojisteni\/\">Read more<\/a>","datePublished":"2019-02-25","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.lotmat.cz\/author\/#Person","name":"lotmat.cz","url":"https:\/\/www.lotmat.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lotmat.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lotmat.cz\/wp-content\/uploads\/img_a337640_w2412_t1550666614.jpg","url":"https:\/\/www.lotmat.cz\/wp-content\/uploads\/img_a337640_w2412_t1550666614.jpg","height":0,"width":0},"url":"https:\/\/www.lotmat.cz\/pojisteni-nepojisteni\/","about":["Finance"],"wordCount":563,"articleBody":"Mo\u017en\u00e1 to zn\u00e1te tak\u00e9. U dve\u0159\u00ed zazvon\u00ed poji\u0161\u0165ovac\u00ed poradce, kter\u00fd V\u00e1s nav\u0161t\u00edv\u00ed na doporu\u010den\u00ed n\u011bjak\u00e9ho Va\u0161eho zn\u00e1m\u00e9ho, ze kter\u00e9ho vym\u00e1mil kontakt na V\u00e1s. P\u0159ijde V\u00e1m hloup\u00e9 takov\u00e9ho \u010dlov\u011bka rovnou odb\u00fdt a vyhodit, stejn\u011b si nem\u00e1te v\u00a0\u00famyslu cokoli uzav\u0159\u00edt. Jen\u017ee doty\u010dn\u00fd poradce pov\u00edd\u00e1 a pov\u00edd\u00e1, a\u017e se mu poda\u0159\u00ed V\u00e1s \u00fapln\u011b zm\u00e1st t\u00edm, jak produkt, kter\u00fd nab\u00edz\u00ed, je nejv\u00fdhodn\u011bj\u0161\u00ed a nejlep\u0161\u00ed nab\u00eddka na trhu, kter\u00e1 je ale \u010dasov\u011b omezen\u00e1 a nav\u00edc, dal\u0161\u00ed zv\u00fdhodn\u011bn\u00ed z\u00edsk\u00e1te, kdy\u017e si uzav\u0159ete je\u0161t\u011b dal\u0161\u00ed a dal\u0161\u00ed smlouvy v\u00a0jednom \u00fa\u017easn\u011b v\u00fdhodn\u00e9m bal\u00ed\u010dku.Ano, ohromn\u011b v\u00fdhodn\u00e9 to pro V\u00e1s je, dokud nedojde k\u00a0tomu, \u017ee z\u00a0dan\u00e9 smlouvy chcete z\u00edskat pojistn\u00e9 pln\u011bn\u00ed a Vy nezjist\u00edte, \u017ee m\u00e1te n\u00e1rok na n\u011bjakou zcela sm\u011b\u0161nou \u010d\u00e1stku, kter\u00e1 rozhodn\u011b nepokryje vzniklou \u0161kodu. Chcete tedy pojistnou smlouvu vypov\u011bd\u011bt, ale zjist\u00edte, \u017ee to vlastn\u011b nen\u00ed je\u0161t\u011b dva roky mo\u017en\u00e9, proto\u017ee ve smlouv\u011b jste se k\u00a0tomu zav\u00e1zaly, ale drah\u00fd poji\u0161\u0165ovac\u00ed poradce se o tom zapomn\u011bl jaksi zm\u00ednit a ve smlouv\u011b je to napsan\u00e9 tak kulantn\u011b, \u017ee jste si toho zkr\u00e1tka nev\u0161imly. Tak\u017ee plat\u00edte a plat\u00edte d\u00e1l, jste z\u00a0toho na nervy, proto\u017ee neplatit se V\u00e1m nevyplat\u00ed a jedin\u00fd, kdo na tom z\u00edskal je drah\u00fd poradce, kter\u00e9mu jste pomohli k\u00a0nov\u00e9mu luxusn\u00edmu vozu \u010di drah\u00e9 zahrani\u010dn\u00ed dovolen\u00e9, on a poji\u0161\u0165ovna jsou toti\u017e jedin\u00ed, kdo na t\u011bchto smlouv\u00e1ch vyd\u011blal. A kdy\u017e u\u017e jste zjistili, jak nev\u00fdhodn\u00e9 poji\u0161t\u011bn\u00ed to jedno bylo, za\u010dtete se do smluv od ostatn\u00edch uzav\u0159en\u00fdch pojistek a hle, oni jsou pro V\u00e1s stejn\u011b nev\u00fdhodn\u00e9 a nevypov\u011bditeln\u00e9, jako ta, ze kter\u00e9 jste \u017e\u00e1dali o pojistn\u00e9 pln\u011bn\u00ed.A co te\u010f s\u00a0t\u00edm? J\u00e1 osobn\u011b doporu\u010duji takov\u00e9 smlouvy vypov\u011bd\u011bt co nejd\u0159\u00edve a n\u00e1sledn\u011b, v\u00a0klidu a s\u00a0rozmyslem uzav\u0159\u00edt nov\u00e9, kter\u00e9 pro V\u00e1s u\u017e skute\u010dn\u011b v\u00fdhodn\u00e9 bude. Klidn\u011b si nechejte vypracovat v\u00edce nab\u00eddek od r\u016fzn\u00fdch poji\u0161\u0165oven a potom je doma porovnejte.Na co si d\u00e1t tedy pozor u majetkov\u00fdch pojistek a pojistek tzv. na blbost? P\u0159edev\u0161\u00edm si dejte pozor na v\u00fd\u0161i pojistn\u00e9ho pln\u011bn\u00ed (obvykle je v\u00a0procentech), hodnoty, do kter\u00e9 je pojistn\u00e9 pln\u011bn\u00ed v\u00a0dan\u00e9 hodnot\u011b platn\u00e9, jak\u00e1 je v\u00fd\u0161e spolu\u00fa\u010dasti, na jak dlouho smlouva je, jak dlouho dop\u0159edu se mus\u00ed p\u0159\u00edpadn\u011b d\u00e1t v\u00fdpov\u011b\u010f smlouvy, na co v\u0161e se skute\u010dn\u011b smlouva vztahuje a tak\u00e9, jak dlouho trv\u00e1, ne\u017e V\u00e1m je vyplaceno pojistn\u00e9 pln\u011bn\u00ed.U\u017eivotn\u00edch a \u00farazov\u00fdch poji\u0161t\u011bn\u00ed je dobr\u00e9 koukat na to sam\u00e9 co u majetkov\u00fdch, ale je vhodn\u00e9, aby se takov\u00e9 poji\u0161t\u011bn\u00ed vztahovalo i na dobu nemocensk\u00e9, pobytu v\u00a0nemocnici, dobu, kdy jste doma s\u00a0nemocn\u00fdm d\u00edt\u011btem, na v\u00fd\u0161i pln\u011bn\u00ed p\u0159i z\u00e1va\u017en\u00fdch nemocech a \u00farazech a tak\u00e9 na \u010d\u00e1stku pln\u011bn\u00ed trval\u00fdch n\u00e1sledk\u016f.                                                                                                                                                                                                                                                                                                                                                                                        3.6\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poji\u0161t\u011bn\u00ed \u2013 nepoji\u0161t\u011bn\u00ed","item":"https:\/\/www.lotmat.cz\/pojisteni-nepojisteni\/#breadcrumbitem"}]}]