[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pomad.cz\/formy-pojisteni\/#Article","mainEntityOfPage":"https:\/\/www.pomad.cz\/formy-pojisteni\/","headline":"Formy poji\u0161t\u011bn\u00ed","name":"Formy poji\u0161t\u011bn\u00ed","description":"1. Nekomer\u010dn\u00ed poji\u0161t\u011bn\u00ed Nekomer\u010dn\u00ed poji\u0161t\u011bn\u00ed nejsou p\u0159edm\u011btem obchodu a konkurence mezi poji\u0161\u0165ovnami. Cena nevznik\u00e1 na trhu. Smyslem je chr\u00e1nit ob\u010dany a jsou garantov\u00e1ny st\u00e1tem. Mezi tuto formu pat\u0159\u00ed: \u00b7 soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed Spr\u00e1vcem je \u010cesk\u00e1 spr\u00e1va soci\u00e1ln\u00edho zabezpe\u010den\u00ed. Vybran\u00e9 pojistn\u00e9 je p\u0159\u00edjmem st\u00e1tn\u00edho rozpo\u010dtu. Ze st\u00e1tn\u00edho rozpo\u010dtu se potom rozd\u011bluje v podob\u011b v\u00fddaj\u016f st\u00e1tn\u00edho rozpo\u010dtu \u2013 […]","datePublished":"2025-03-04","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.pomad.cz\/author\/#Person","name":"","url":"https:\/\/www.pomad.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4e6a74466e4227c12d5306875d08720cdfce3572213740db6f4a2e5e46e710ff?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4e6a74466e4227c12d5306875d08720cdfce3572213740db6f4a2e5e46e710ff?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pomad.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pomad.cz\/wp-content\/uploads\/img_a319477_w1930_t1530516773.jpg","url":"https:\/\/www.pomad.cz\/wp-content\/uploads\/img_a319477_w1930_t1530516773.jpg","height":0,"width":0},"url":"https:\/\/www.pomad.cz\/formy-pojisteni\/","wordCount":365,"articleBody":"      1. Nekomer\u010dn\u00ed poji\u0161t\u011bn\u00ed Nekomer\u010dn\u00ed poji\u0161t\u011bn\u00ed nejsou p\u0159edm\u011btem obchodu a konkurence mezi poji\u0161\u0165ovnami. Cena nevznik\u00e1 na trhu. Smyslem je chr\u00e1nit ob\u010dany a jsou garantov\u00e1ny st\u00e1tem. Mezi tuto formu pat\u0159\u00ed: \u00b7 soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed Spr\u00e1vcem je \u010cesk\u00e1 spr\u00e1va soci\u00e1ln\u00edho zabezpe\u010den\u00ed. Vybran\u00e9 pojistn\u00e9 je p\u0159\u00edjmem st\u00e1tn\u00edho rozpo\u010dtu. Ze st\u00e1tn\u00edho rozpo\u010dtu se potom rozd\u011bluje v podob\u011b v\u00fddaj\u016f st\u00e1tn\u00edho rozpo\u010dtu \u2013 nemocensk\u00e9 d\u00e1vky, soci\u00e1ln\u00ed d\u00e1vky, d\u016fchody (starobn\u00ed, invalidn\u00ed, vdovsk\u00e9), podpory v nezam\u011bstnanosti.  \u00b7 zdravotn\u00ed poji\u0161t\u011bn\u00ed Spr\u00e1vcem je V\u0161eobecn\u00e1 zdravotn\u00ed poji\u0161\u0165ovna \u2013 d\u00e1le ho p\u0159erozd\u011bluje ostatn\u00edm zdravotn\u00edm poji\u0161\u0165ovn\u00e1m. Z vybran\u00e9ho pojistn\u00e9ho se uhrazuje z\u00e1kladn\u00ed l\u00e9ka\u0159sk\u00e1 p\u00e9\u010de, prevence ze z\u00e1kona, p\u0159evoz nemocn\u00fdch\/zran\u011bn\u00fdch \u2013 oboj\u00ed m\u00e1 solid\u00e1rn\u00ed charakter, v\u0161ichni si navz\u00e1jem p\u0159isp\u00edv\u00e1me, nevyb\u00edr\u00e1me stejn\u011b. \u00b7 poji\u0161t\u011bn\u00ed odpov\u011bdnosti organizace za \u0161kodu vzniklou zam\u011bstnanci pracovn\u00edm \u00farazem a nemoc\u00ed z povol\u00e1n\u00ed Z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti, sazby jsou v promilech, odstup\u0148ov\u00e1ny podle rizikovosti hlavn\u00ed \u010dinnosti, odv\u00e1d\u00ed ho zam\u011bstnavatel \u010dtvrtletn\u011b. \u00b7 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed Garantov\u00e1no st\u00e1tem.   2. komer\u010dn\u00ed poji\u0161t\u011bn\u00ed P\u0159edm\u011btem obchodu a konkurence mezi poji\u0161\u0165ovnami, cena vznik\u00e1 na trhu (v\u00fd\u0161e pojistn\u00e9ho). \u00b7 smluvn\u00ed poji\u0161t\u011bn\u00ed  Dobrovoln\u00e9, klient s poji\u0161\u0165ovnou uzav\u00edr\u00e1 pojistnou smlouvu, nap\u0159. poji\u0161t\u011bn\u00ed dom\u00e1cnosti, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, havarijn\u00ed poji\u0161t\u011bn\u00ed.  \u00b7 povinn\u00e9 smluvn\u00ed  T\u00fdk\u00e1 se vybran\u00fdch profes\u00ed, kde p\u0159i v\u00fdkonu jejich \u010dinnosti existuje riziko vzniku \u0161kody na majetku nebo na zdrav\u00ed jin\u00fdch osob \u2013 tyto profese mus\u00ed uzav\u0159\u00edt smlouvu s poji\u0161\u0165ovnou dle vlastn\u00edho v\u00fdb\u011bru (soukrom\u00ed l\u00e9ka\u0159i, advok\u00e1tu, architekti, provozovatel\u00e9 mal\u00fdch motorov\u00fdch letadel, myslivci). \u00b7 z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed  Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu zp\u016fsobenou provozem motorov\u00e9ho vozidla \u2013 \u201epovinn\u00e9 ru\u010den\u00ed\u201c \u2013 z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed, t\u00fdk\u00e1 se majitel\u016f motorov\u00fdch vozidel.                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Formy poji\u0161t\u011bn\u00ed","item":"https:\/\/www.pomad.cz\/formy-pojisteni\/#breadcrumbitem"}]}]