[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sseas.cz\/druhy-pojisteni-a-pojistna-smlouva\/#Article","mainEntityOfPage":"https:\/\/www.sseas.cz\/druhy-pojisteni-a-pojistna-smlouva\/","headline":"Druhy poji\u0161t\u011bn\u00ed a pojistn\u00e1 smlouva","name":"Druhy poji\u0161t\u011bn\u00ed a pojistn\u00e1 smlouva","description":"Druhy poji\u0161t\u011bn\u00ed a)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed osob b)\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed majetku c)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed odpov\u011bdnosti d)\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed pr\u016fmyslu a podnikatel\u016f e)\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed zem\u011bd\u011blstv\u00ed\u00a0a)\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed […]","datePublished":"2025-05-13","dateModified":"2025-05-13","author":{"@type":"Person","@id":"https:\/\/www.sseas.cz\/author\/#Person","name":"","url":"https:\/\/www.sseas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/64d58fab86512053c8bb518a6563e7284bb4a3422dc9af0106c3f39575364c7b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sseas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sseas.cz\/wp-content\/uploads\/img_a319478_w1794_t1530516969.jpg","url":"https:\/\/www.sseas.cz\/wp-content\/uploads\/img_a319478_w1794_t1530516969.jpg","height":0,"width":0},"url":"https:\/\/www.sseas.cz\/druhy-pojisteni-a-pojistna-smlouva\/","wordCount":464,"articleBody":"\tDruhy poji\u0161t\u011bn\u00eda)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed osobb)\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed majetkuc)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed odpov\u011bdnostid)\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed pr\u016fmyslu a podnikatel\u016fe)\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed zem\u011bd\u011blstv\u00ed\u00a0a)\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed osobChr\u00e1n\u00ed jednotlivce nebo rodiny p\u0159ed d\u016fsledky \u00faraz\u016f nebo v\u00e1\u017en\u00fdch nemoc\u00ed, kter\u00e9 vedou ke ztr\u00e1t\u011b p\u0159\u00edjmu. V p\u0159\u00edpad\u011b \u00famrt\u00ed poji\u0161t\u011bn\u00ed pom\u00e1h\u00e1 nahradit zdroj p\u0159\u00edjmu, pojistn\u00e9 pln\u011bn\u00ed se vypl\u00e1c\u00ed opr\u00e1vn\u011bn\u00fdm osob\u00e1m uveden\u00fdch ve smlouv\u011b.druhy: \u00farazov\u00e9, \u017eivotn\u00ed (kombinace spo\u0159en\u00ed a poji\u0161t\u011bn\u00ed, uzav\u00edr\u00e1 se pro p\u0159\u00edpad smrti, min doba spo\u0159en\u00ed 5 let, umo\u017e\u0148uje da\u0148ov\u00e9 zv\u00fdhodn\u011bn\u00ed, max. 12\u00a0000), l\u00e9\u010debn\u00edch v\u00fdloh, v\u00e1\u017en\u00fdch nemoc\u00ed (nesm\u00ed ho uzav\u0159\u00edt, pokud nemoc\u00ed ji\u017e trp\u00ed)\u00a0b)\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed majetkuChr\u00e1n\u00ed ob\u010dany proti \u0161kod\u00e1m na majetku (movitosti a nemovitosti), nej\u010dast\u011bji se poji\u0161\u0165uj\u00ed rizika \u017eiveln\u00e1, vandalismus, vodovodn\u00ed, kanalizace, topen\u00ed.druhy: poji\u0161t\u011bn\u00ed dom\u00e1cnosti, poji\u0161t\u011bn\u00ed staveb, poji\u0161t\u011bn\u00ed rekrea\u010dn\u00edch chat a chalup, havarijn\u00ed poji\u0161t\u011bn\u00ed\u2026\u00a0c)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed odpov\u011bdnostiChr\u00e1n\u00ed ob\u010dany p\u0159ed n\u00e1klady vznikl\u00fdmi v\u00a0d\u016fsledku zran\u011bn\u00ed ciz\u00edch osob nebo p\u0159i po\u0161kozen\u00ed ciz\u00edho majetku. Mus\u00ed se jednat o \u0161kody na majetku nebo na zdrav\u00ed, kter\u00e9 byly zp\u016fsobeny z\u00a0nedbalosti.druhy: dobrovoln\u00e1 (vodovodn\u00ed poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed psa), z\u00e1konn\u00e1 (poji\u0161t\u011bn\u00ed odpov\u011bdnosti organizace vzniklou zam\u011bstnanci pracovn\u00edm \u00farazem a nemoc\u00ed z\u00a0povol\u00e1n\u00ed, povinn\u00e9 ru\u010den\u00ed)\u00a0d)\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed pr\u016fmyslu a podnik\u00e1n\u00ed\u00a0e)\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161t\u011bn\u00ed zem\u011bd\u011blstv\u00ed\tPojistn\u00e1 smlouvaM\u00e1 p\u00edsemnou podobu a ka\u017ed\u00e1 zm\u011bna mus\u00ed m\u00edt formu dodatku. Mus\u00ed obsahovat p\u0159edem stanoven\u00e9 n\u00e1le\u017eitosti: ozna\u010den\u00ed zastoupen\u00fdch stran, druh pojistn\u00e9 smlouvy = druh poji\u0161t\u011bn\u00ed, \u010d\u00edslo smlouvy, rozsah poji\u0161t\u011bn\u00ed, popis pojistn\u00fdch ud\u00e1lost\u00ed (povodn\u011b mus\u00ed b\u00fdt samostatn\u011b), pojistn\u00e1 \u010d\u00e1stka, v\u00fd\u0161e pojistn\u00e9ho, term\u00edny, zp\u016fsob \u00fahrady, pojistn\u00e1 doba v\u010detn\u011b po\u010d\u00e1tku poji\u0161t\u011bn\u00ed, podpisy stran, m\u00edsto, datum + v\u0161eobecn\u00e9 podm\u00ednky, ke kter\u00fdm se smlouva odvol\u00e1v\u00e1.\tSpecifikace pojistn\u00fdch smluv:Sdru\u017een\u00e9 poji\u0161t\u011bn\u00ed \u2013 kombinace n\u011bkolika poji\u0161t\u011bn\u00ed u jedn\u00e9 pojistn\u00e9 smlouvy \u2013 umo\u017e\u0148uje tak ochranu proti n\u011bkolika rizik\u016fm najednou.Spolu\u00fa\u010dast \u2013 \u010d\u00e1stka, kterou poji\u0161\u0165ovna p\u0159i ur\u010dit\u00e9 \u0161kod\u011b hrad\u00ed a umo\u017e\u0148uje ni\u017e\u0161\u00ed platbu pojistn\u00e9ho.bonusy \u2013 procentn\u00ed sr\u00e1\u017eka z\u00a0v\u00fd\u0161e pojistn\u00e9ho. Poji\u0161\u0165ovna poskytuje osob\u00e1m, kter\u00e9 b\u011bhem pojistn\u00e9 doby nem\u011bly \u017e\u00e1dnou pojistnou ud\u00e1lost.malusy \u2013 procentn\u00ed p\u0159ir\u00e1\u017eka k\u00a0pojistn\u00e9mu. Pro osoby, kter\u00e9 maj\u00ed mnoho pojistn\u00fdch ud\u00e1lost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Druhy poji\u0161t\u011bn\u00ed a pojistn\u00e1 smlouva","item":"https:\/\/www.sseas.cz\/druhy-pojisteni-a-pojistna-smlouva\/#breadcrumbitem"}]}]