[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.moneyworld.cz\/aby-byl-clovek-odskodnen\/#Article","mainEntityOfPage":"https:\/\/www.moneyworld.cz\/aby-byl-clovek-odskodnen\/","headline":"Aby byl \u010dlov\u011bk od\u0161kodn\u011bn","name":"Aby byl \u010dlov\u011bk od\u0161kodn\u011bn","description":"Ka\u017ed\u00e9ho \u010dlov\u011bka m\u016f\u017ee n\u011bkdy v \u017eivot\u011b potkat n\u011bjak\u00e1 nemil\u00e1 p\u0159\u00edhoda. Pokazit se m\u016f\u017ee kdeco, a postihnout to m\u016f\u017ee jak n\u011bkoho, kdo si o to koleduje, tak bohu\u017eel i toho, kdo se sna\u017e\u00ed ze v\u0161ech sil nemil\u00fdm situac\u00edm p\u0159edch\u00e1zet. Nikdo nedok\u00e1\u017ee ovlivnit v\u0161echno, co se b\u011bhem jeho \u017eivota p\u0159ihod\u00ed, ani kdyby byl sebep\u0159edv\u00eddav\u011bj\u0161\u00ed. A proto p\u0159ich\u00e1z\u00ed nejednou […]","datePublished":"2021-03-19","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.moneyworld.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.moneyworld.cz\/author\/devene\/","identifier":2,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"moneyworld.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.moneyworld.cz\/aby-byl-clovek-odskodnen\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":479,"articleBody":"Ka\u017ed\u00e9ho \u010dlov\u011bka m\u016f\u017ee n\u011bkdy v \u017eivot\u011b potkat n\u011bjak\u00e1 nemil\u00e1 p\u0159\u00edhoda. Pokazit se m\u016f\u017ee kdeco, a postihnout to m\u016f\u017ee jak n\u011bkoho, kdo si o to koleduje, tak bohu\u017eel i toho, kdo se sna\u017e\u00ed ze v\u0161ech sil nemil\u00fdm situac\u00edm p\u0159edch\u00e1zet. Nikdo nedok\u00e1\u017ee ovlivnit v\u0161echno, co se b\u011bhem jeho \u017eivota p\u0159ihod\u00ed, ani kdyby byl sebep\u0159edv\u00eddav\u011bj\u0161\u00ed. A proto p\u0159ich\u00e1z\u00ed nejednou vhod n\u011bjak\u00e9 to poji\u0161t\u011bn\u00ed.Kdy\u017e \u010dlov\u011bk uva\u017euje o tom, \u017ee by se pojistil, v podstat\u011b dob\u0159e d\u011bl\u00e1. I kdy\u017e ani toto je\u0161t\u011b nemus\u00ed b\u00fdt ide\u00e1l. Proto\u017ee ten, kdo nad poji\u0161t\u011bn\u00edm uva\u017euje, bere v potaz mo\u017en\u00e1 rizika a sna\u017e\u00ed se p\u0159ed nimi uchr\u00e1nit, jen\u017ee takov\u00e1 snaha je pouze prvn\u00edm krokem, jen\u017e je\u0161t\u011b nemus\u00ed b\u00fdt dokonal\u00fd. Je toti\u017e t\u0159eba zv\u00e1\u017eit nejeden ohled.P\u0159edev\u0161\u00edm je t\u0159eba uzav\u00edrat jenom takov\u00e9 pojistky, u nich\u017e je pravd\u011bpodobn\u00e9, \u017ee by mohly p\u0159ij\u00edt vhod. Poji\u0161t\u011bn\u00ed se proti situac\u00edm, je\u017e nikdy nenastanou nebo je\u017e jsou extr\u00e9mn\u011b nepravd\u011bpodobn\u00e9 se toti\u017e rovn\u00e1 pouh\u00e9mu zbyte\u010dn\u00e9mu vyhazov\u00e1n\u00ed pen\u011bz z okna.\u010clov\u011bk m\u00e1 uzav\u0159\u00edt pojistku pro p\u0159\u00edpad toho, co ho skute\u010dn\u011b m\u016f\u017ee potkat a po\u0161kodit. A pokud u\u017e je takov\u00e1 pojistka vybr\u00e1na, je t\u0159eba ji uzav\u0159\u00edt v takov\u00e9 v\u00fd\u0161i, aby skute\u010dn\u011b p\u0159edstavovala nad\u011bji na re\u00e1ln\u00e9 od\u0161kodn\u011bn\u00ed. Nen\u00ed tu nezbytn\u00e9 platit za p\u0159\u00edli\u0161 vysok\u00fd strop vyplacen\u00e9 \u010d\u00e1stky, jeho\u017e nelze nikdy dos\u00e1hnout, sou\u010dasn\u011b se ale nesm\u00ed ani dohodnout pln\u011bn\u00ed p\u0159\u00edli\u0161 n\u00edzk\u00e9, a tedy mo\u017en\u00e1 nic ne\u0159e\u0161\u00edc\u00ed.Mus\u00ed b\u00fdt tak\u00e9 dob\u0159e zvoleno, komu m\u00e1 b\u00fdt p\u0159\u00edpadn\u00e1 pojistka vyplacena. Je jasn\u00e9, \u017ee se nikdo nebude poji\u0161\u0165ovat pro p\u0159\u00edpad sv\u00e9 smrti a p\u0159itom cht\u00edt, aby takovou pojistku p\u0159\u00edpadn\u011b vyplatili v\u00fdhradn\u011b jemu, a podobn\u011b.A d\u016fle\u017eit\u00e9 je pochopiteln\u011b vz\u00edt v potaz i v\u0161echny potenci\u00e1ln\u00ed v\u00fdluky z pln\u011bn\u00ed, je\u017e takov\u00e9 poji\u0161t\u011bn\u00ed m\u016f\u017ee m\u00edt. St\u011b\u017e\u00ed sice naraz\u00edme na takov\u00fd extr\u00e9m, jako by byla dejme tomu pojistka pro p\u0159\u00edpad \u00famrt\u00ed, kter\u00e1 by se nevypl\u00e1cela, pokud poji\u0161t\u011bn\u00fd zem\u0159e, ale nepost\u0159ehnuteln\u011bj\u0161\u00edch h\u00e1\u010dk\u016f b\u00fdv\u00e1 v pojistn\u00fdch smlouv\u00e1ch dost a dost.Jen je-li poji\u0161t\u011bn\u00ed ide\u00e1ln\u00ed, dok\u00e1\u017ee pomoci v t\u011b\u017ek\u00fdch chv\u00edl\u00edch.                                                                                                                                                                                                                                                                                                                                                                                                                                                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