[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pekkos.cz\/cinnost-pojistoven\/#Article","mainEntityOfPage":"https:\/\/www.pekkos.cz\/cinnost-pojistoven\/","headline":"\u010cinnost poji\u0161\u0165oven","name":"\u010cinnost poji\u0161\u0165oven","description":"Poji\u0161\u0165ovnictv\u00ed je sf\u00e9rou slu\u017eeb, v\u00a0n\u00e1rodn\u00edm hospod\u00e1\u0159stv\u00ed pat\u0159\u00ed do terciov\u00e9ho sektoru (tedy sektoru slu\u017eeb). Poji\u0161\u0165ovna\u00a0 je finan\u010dn\u00ed instituce, kter\u00e1 poskytuje ochranu proti rizik\u016fm, za poplatek (= pojistn\u00e9). Z vybran\u00e9ho pojistn\u00e9ho se vytv\u00e1\u0159\u00ed pojistn\u00fd fond, \u010d\u00e1st fondu si poji\u0161\u0165ovna ponech\u00e1v\u00e1 na v\u00fdplatu pojistn\u00e9ho pln\u011bn\u00ed (n\u00e1hradu \u0161kody), \u010d\u00e1st investuje za \u00fa\u010delem zhodnocen\u00ed. Poji\u0161\u0165ovna","datePublished":"2023-05-25","dateModified":"2023-05-25","author":{"@type":"Person","@id":"https:\/\/www.pekkos.cz\/author\/#Person","name":"","url":"https:\/\/www.pekkos.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e2bc6fe70dccf39a55c73bbd7bca9ee949cec8871fdab6d0b20905b7ccca14f3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e2bc6fe70dccf39a55c73bbd7bca9ee949cec8871fdab6d0b20905b7ccca14f3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pekkos.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pekkos.cz\/wp-content\/uploads\/img_a319464_w2235_t1530514765.jpg","url":"https:\/\/www.pekkos.cz\/wp-content\/uploads\/img_a319464_w2235_t1530514765.jpg","height":0,"width":0},"url":"https:\/\/www.pekkos.cz\/cinnost-pojistoven\/","wordCount":416,"articleBody":"Poji\u0161\u0165ovnictv\u00ed je sf\u00e9rou slu\u017eeb, v\u00a0n\u00e1rodn\u00edm hospod\u00e1\u0159stv\u00ed pat\u0159\u00ed do terciov\u00e9ho sektoru (tedy sektoru slu\u017eeb).Poji\u0161\u0165ovna\u00a0 je finan\u010dn\u00ed instituce, kter\u00e1 poskytuje ochranu proti rizik\u016fm, za poplatek (= pojistn\u00e9). Z vybran\u00e9ho pojistn\u00e9ho se vytv\u00e1\u0159\u00ed pojistn\u00fd fond, \u010d\u00e1st fondu si poji\u0161\u0165ovna ponech\u00e1v\u00e1 na v\u00fdplatu pojistn\u00e9ho pln\u011bn\u00ed (n\u00e1hradu \u0161kody), \u010d\u00e1st investuje za \u00fa\u010delem zhodnocen\u00ed. Poji\u0161\u0165ovna je v\u00a0tr\u017en\u00edm hospod\u00e1\u0159stv\u00ed\u00a0 podnikem- c\u00edlem je dosa\u017een\u00ed zisku. Poji\u0161\u0165ovny si navz\u00e1jem konkuruj\u00ed rozsahem a kvalitou slu\u017eeb.\tPr\u00e1vn\u00ed subjekty poji\u0161t\u011bn\u00ed\u00a7\u00a0 pojistitel = poji\u0161\u0165ovna, m\u00e1 pr\u00e1vo na v\u00fdb\u011br pojistn\u00e9ho, v\u00a0p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti vypl\u00e1c\u00ed pojistn\u00e9 pln\u011bn\u00ed\u00a7\u00a0 pojistn\u00edk = subjekt, kter\u00fd s\u00a0poji\u0161\u0165ovnou uzav\u00edr\u00e1 pojistnou smlouvu, FO i PO, odv\u00e1d\u00ed pojistn\u00e9\u00a7\u00a0 poji\u0161t\u011bn\u00fd = subjekt, v\u00a0jeho\u017e prosp\u011bch je smlouva uzav\u0159ena, m\u00e1 n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed\u00a7\u00a0 opr\u00e1vn\u011bn\u00e1 osoba = osoba, kter\u00e9 bude vyplacena pojistn\u00e1 n\u00e1hrada kdy\u017e (nej\u010dast\u011bji pojistn\u00edk d\u00e1le pak rodina, spole\u010dn\u00edci, p\u0159\u00e1tel\u00e9)\t\u010cinnost poji\u0161\u0165oven1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 poji\u0161\u0165ovac\u00ed \u2013 z\u00edsk\u00e1v\u00e1n\u00ed klient\u016f (osobn\u011b, p\u00edsemn\u011b, telefonicky, reklamou), uzav\u00edr\u00e1n\u00ed pojistn\u00fdch smluv, v\u00fdb\u011br pojistn\u00e9ho, posuzov\u00e1n\u00ed pojistn\u00fdch ud\u00e1lost\u00ed (likvidace), v\u00fdplata pojistn\u00e9ho pln\u011bn\u00ed2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 zaji\u0161\u0165ovac\u00ed \u2013 smyslem je rozd\u011blen\u00ed rizika mezi poji\u0161\u0165ovny pro p\u0159\u00edpad mimo\u0159\u00e1dn\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed (povodn\u011b) \u2013 zaji\u0161t\u011bn\u00ed je upraveno smluvn\u011b, poji\u0161\u0165ovny p\u0159isp\u00edvaj\u00ed do tzv. fondu zaji\u0161t\u011bn\u00ed3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 z\u00e1brann\u00e1 \u2013 m\u00e1 preventivn\u00ed charakter, smyslem je p\u0159edch\u00e1zet pojistn\u00fdm ud\u00e1lostem, zam\u011bstnanci poji\u0161\u0165ovny se zab\u00fdvaj\u00ed osv\u011btovou \u010dinnost\u00ed (informuj\u00ed klienty FO\/PO s\u00a0mo\u017enostmi preventivn\u00edch za\u0159\u00edzen\u00ed)4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 asisten\u010dn\u00ed \u2013 jedn\u00e1 se o pomoc, kterou poskytuj\u00ed poji\u0161\u0165ovny klient\u016fm p\u0159i pojistn\u00fdch ud\u00e1lostech, klient p\u0159i podpisu smlouvy z\u00edsk\u00e1 kontakt na asisten\u010dn\u00ed slu\u017ebu (autonehody, ztr\u00e1ta doklad\u016f)5.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 poradensk\u00e1 \u2013 seznamuj\u00ed sv\u00e9 klienty s\u00a0rozsahem a podm\u00ednkami sv\u00fdch slu\u017eeb, po dohod\u011b vyb\u00edraj\u00ed optim\u00e1ln\u00ed druh poji\u0161t\u011bn\u00ed (optim\u00e1ln\u00ed = dostate\u010dn\u00e9 zabezpe\u010den\u00ed proti rizik\u016fm s\u00a0minim\u00e1ln\u00edmi n\u00e1klady)\t\u00a0\tPojistn\u00e9Pojistn\u00e9 znamen\u00e1 \u010d\u00e1stka v\u00a0pen\u011bz\u00edch, kterou je povinen odv\u00e1d\u011bt pojistn\u00edk poji\u0161\u0165ovn\u011b ve stanoven\u00e9 v\u00fd\u0161i a term\u00ednech.a)\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 b\u011b\u017en\u00e9 \u2013 placeno pravideln\u011b, nap\u0159. zdravotn\u00ed poji\u0161t\u011bn\u00edb)\u00a0\u00a0\u00a0\u00a0\u00a0 jednor\u00e1zov\u00e9 \u2013 najednou, nap\u0159. povinn\u00e9 ru\u010den\u00ed                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010cinnost poji\u0161\u0165oven","item":"https:\/\/www.pekkos.cz\/cinnost-pojistoven\/#breadcrumbitem"}]}]