[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bawaria.cz\/pojisteni-osob-a-jeho-druhy\/#Article","mainEntityOfPage":"https:\/\/www.bawaria.cz\/pojisteni-osob-a-jeho-druhy\/","headline":"Poji\u0161t\u011bn\u00ed osob a jeho druhy","name":"Poji\u0161t\u011bn\u00ed osob a jeho druhy","description":"Smyslem poji\u0161t\u011bn\u00ed je vlastn\u011b zabezpe\u010dit poji\u0161t\u011bn\u00e9ho jedince pro p\u0159\u00edpad n\u011bjak\u00e9 nahodil\u00e9, nep\u0159\u00edzniv\u00e9 situace. Takov\u00fdch situac\u00ed m\u016f\u017ee b\u00fdt spousta, snad na ka\u017edou z nich u\u017e v dne\u0161n\u00ed dob\u011b existuje n\u011bjak\u00fd druh poji\u0161t\u011bn\u00ed. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na to, jak\u00e9 druhy poji\u0161t\u011bn\u00ed m\u00e1me a na co se daj\u00ed vyu\u017e\u00edt.\u00a0\u00a0 \u017divotn\u00ed poji\u0161t\u011bn\u00ed\u00a0\u00a0 Tento","datePublished":"2021-09-21","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.bawaria.cz\/author\/#Person","name":"","url":"https:\/\/www.bawaria.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/45cce3ff3a69e980af55a575ffd049b1ca7466e42c95228e9726614e4b91f633?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/45cce3ff3a69e980af55a575ffd049b1ca7466e42c95228e9726614e4b91f633?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bawaria.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bawaria.cz\/wp-content\/uploads\/couple-3723548_1920.jpg","url":"https:\/\/www.bawaria.cz\/wp-content\/uploads\/couple-3723548_1920.jpg","height":0,"width":0},"url":"https:\/\/www.bawaria.cz\/pojisteni-osob-a-jeho-druhy\/","about":["Pen\u00edze"],"wordCount":430,"articleBody":"Smyslem poji\u0161t\u011bn\u00ed je vlastn\u011b zabezpe\u010dit poji\u0161t\u011bn\u00e9ho jedince pro p\u0159\u00edpad n\u011bjak\u00e9 nahodil\u00e9, nep\u0159\u00edzniv\u00e9 situace. Takov\u00fdch situac\u00ed m\u016f\u017ee b\u00fdt spousta, snad na ka\u017edou z nich u\u017e v dne\u0161n\u00ed dob\u011b existuje n\u011bjak\u00fd druh poji\u0161t\u011bn\u00ed. Poj\u010fme se spole\u010dn\u011b pod\u00edvat na to, jak\u00e9 druhy poji\u0161t\u011bn\u00ed m\u00e1me a na co se daj\u00ed vyu\u017e\u00edt.\u00a0\u00a0\u017divotn\u00ed poji\u0161t\u011bn\u00ed\u00a0\u00a0Tento druh poji\u0161t\u011bn\u00ed je asi jeden z nejzn\u00e1m\u011bj\u0161\u00edch, uzav\u00edr\u00e1 se pro p\u0159\u00edpad, \u017ee by doty\u010dn\u00fd jedinec nap\u0159\u00edklad zem\u0159el, v tomto p\u0159\u00edpad\u011b by se pen\u00edze z pojistky vyu\u017eily nap\u0159\u00edklad na zabezpe\u010den\u00ed poz\u016fstal\u00e9 rodiny nebo na splacen\u00ed dluh\u016f, kter\u00e9 by po \u010dlov\u011bku z\u016fstaly. M\u016f\u017ee se ale tak\u00e9 vyu\u017e\u00edt v p\u0159\u00edpad\u011b do\u017eit\u00ed vysok\u00e9ho v\u011bku, takzvan\u011b na d\u016fchod \u010di v p\u0159\u00edpad\u011b \u00farazu s trval\u00fdmi n\u00e1sledky, na \u00fapravu bydlen\u00ed (nap\u0159\u00edklad na bezbari\u00e9rov\u00fd vchod do domu).\u00a0D\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed\u00a0\u00a0Tohle poji\u0161t\u011bn\u00ed, jak ji\u017e vypl\u00fdv\u00e1 z n\u00e1zvu, se t\u00fdk\u00e1 d\u016fchodu. Spo\u0159\u00edme si a plat\u00edme tohle poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad, \u017ee bychom se n\u011bkdy v budoucnu pot\u00fdkali s nep\u0159\u00edzniv\u00fdm zdravotn\u00edm stavem, kter\u00fd by n\u00e1m znemo\u017e\u0148oval vykon\u00e1vat pracovn\u00ed \u010dinnost.\u00a0\u00a0\u00darazov\u00e9 poji\u0161t\u011bn\u00ed\u00a0Z\u0159izujeme si pro p\u0159\u00edpad, kdyby se n\u00e1m v budoucnu stal n\u011bjak\u00fd \u00faraz. M\u016f\u017ee b\u00fdt vyu\u017eito nap\u0159\u00edklad\u00a0jako takov\u00e1 \u201cn\u00e1plast za bolest\u201d kdy se poji\u0161t\u011bn\u00e9mu vypl\u00e1c\u00ed smluven\u00e1 denn\u00ed \u010d\u00e1stka za ur\u010dit\u00fd \u00faraz. Pro pracuj\u00edc\u00ed to m\u016f\u017ee b\u00fdt tak\u00e9 forma \u201cn\u00e1hrady\u201d mzdy, pokud \u00faraz znemo\u017e\u0148uje vykon\u00e1vat pracovn\u00ed \u010dinnost. V momentu, kdy se jedn\u00e1 o v\u00e1\u017en\u011bj\u0161\u00ed \u00faraz, kter\u00fd s sebou nese trval\u00e9 n\u00e1sledky, vypo\u010d\u00edt\u00e1 poji\u0161\u0165ovna po n\u011bkolika letech, jak\u00e9 procentu\u00e1ln\u00ed po\u0161kozen\u00ed trval\u00e9ho n\u00e1sledku na t\u011ble se v\u00e1s t\u00fdk\u00e1, dle toho se pak vypl\u00e1c\u00ed dal\u0161\u00ed \u010d\u00e1stka.\u00a0\u00a0Cestovn\u00ed poji\u0161t\u011bn\u00ed\u00a0\u00a0Tohle poji\u0161t\u011bn\u00ed si budete cht\u00edt sjednat, pokud budete m\u00edt v pl\u00e1nu vyrazit n\u011bkam na dovolenou do zahrani\u010d\u00ed. V r\u00e1mci tohoto poji\u0161t\u011bn\u00ed v\u00e1m poji\u0161\u0165ovna bude hradit nap\u0159\u00edklad l\u00e9\u010debn\u00e9 n\u00e1klady v p\u0159\u00edpad\u011b nutnosti o\u0161et\u0159en\u00ed, ztr\u00e1tu zavazadel nebo v p\u0159\u00edpad\u011b \u00famrt\u00ed nebo v\u00e1\u017en\u00e9ho zran\u011bn\u00ed p\u0159evoz zp\u011bt do zem\u011b.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poji\u0161t\u011bn\u00ed osob a jeho druhy","item":"https:\/\/www.bawaria.cz\/pojisteni-osob-a-jeho-druhy\/#breadcrumbitem"}]}]