[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/teit.cz\/vyplati-se-mit-pojisteni\/#Article","mainEntityOfPage":"https:\/\/teit.cz\/vyplati-se-mit-pojisteni\/","headline":"Vyplat\u00ed se m\u00edt poji\u0161t\u011bn\u00ed?","name":"Vyplat\u00ed se m\u00edt poji\u0161t\u011bn\u00ed?","description":"Poji\u0161t\u011bn\u00ed je slu\u017eba, kter\u00e1 v\u00e1m m\u016f\u017ee pomoci, kdy\u017e se dostanete do nesn\u00e1z\u00ed. V dne\u0161n\u00ed dob\u011b existuje pojistka snad na v\u0161echno. Poji\u0161t\u011bn\u00ed v\u00e1m slou\u017e\u00ed pro p\u0159\u00edpad, kdy se dostanete do nesn\u00e1z\u00ed. Pokud nastane situace, proti kter\u00e9 jste poji\u0161t\u011bn\u00ed, poji\u0161\u0165ovna v\u00e1m vyplat\u00ed pen\u00edze. Na n\u00e1hradu \u0161kody, ztr\u00e1tu u\u0161l\u00e9ho zisku, nebo t\u0159eba jako takov\u00e9 od\u0161kodn\u00e9. Z\u00e1le\u017e\u00ed na typu … ","datePublished":"2026-03-15","dateModified":"2026-03-15","author":{"@type":"Person","@id":"https:\/\/teit.cz\/author\/#Person","name":"","url":"https:\/\/teit.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"teit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/teit.cz\/wp-content\/uploads\/vlad-deep-mCqi3MljC4E-unsplash.jpg","url":"https:\/\/teit.cz\/wp-content\/uploads\/vlad-deep-mCqi3MljC4E-unsplash.jpg","height":0,"width":0},"url":"https:\/\/teit.cz\/vyplati-se-mit-pojisteni\/","wordCount":426,"articleBody":"      Poji\u0161t\u011bn\u00ed je slu\u017eba, kter\u00e1 v\u00e1m m\u016f\u017ee pomoci, kdy\u017e se dostanete do nesn\u00e1z\u00ed. V dne\u0161n\u00ed dob\u011b existuje pojistka snad na v\u0161echno. Poji\u0161t\u011bn\u00ed v\u00e1m slou\u017e\u00ed pro p\u0159\u00edpad, kdy se dostanete do nesn\u00e1z\u00ed. Pokud nastane situace, proti kter\u00e9 jste poji\u0161t\u011bn\u00ed, poji\u0161\u0165ovna v\u00e1m vyplat\u00ed pen\u00edze. Na n\u00e1hradu \u0161kody, ztr\u00e1tu u\u0161l\u00e9ho zisku, nebo t\u0159eba jako takov\u00e9 od\u0161kodn\u00e9. Z\u00e1le\u017e\u00ed na typu poji\u0161t\u011bn\u00ed.Poj\u010fme se na n\u011bkter\u00e9 druhy poji\u0161t\u011bn\u00ed pod\u00edvat bl\u00ed\u017ee.\u017divotn\u00ed poji\u0161t\u011bn\u00ed\u017divotn\u00ed poji\u0161t\u011bn\u00ed slou\u017e\u00ed hlavn\u011b k finan\u010dn\u00edmu zaji\u0161t\u011bn\u00ed rodiny pro p\u0159\u00edpad, \u017ee by se tomu, kdo je poji\u0161t\u011bn\u00fd, n\u011bco stalo. T\u0159eba pokud by zem\u0159el. Poji\u0161\u0165ovna pak jeho bl\u00edzk\u00fdm vyplat\u00ed smluvenou \u010d\u00e1stku. Takov\u00e9 poji\u0161t\u011bn\u00ed m\u00e1 ur\u010dit\u011b smysl v p\u0159\u00edpad\u011b, kdy m\u00e1te d\u011bti nebo partnera, kter\u00fd je z\u00e1visl\u00fd na va\u0161em p\u0159\u00edjmu. A taky pokud spl\u00e1c\u00edte hypot\u00e9ku.\u00darazov\u00e9 poji\u0161t\u011bn\u00ed\u00darazov\u00e9 poji\u0161t\u011bn\u00ed kryje n\u00e1sledky \u00faraz\u016f. Od zlomenin a\u017e po trval\u00e9 n\u00e1sledky n\u011bkter\u00fdch \u00faraz\u016f. Pen\u00edze se vypl\u00e1c\u00ed podle druhu poji\u0161t\u011bn\u00ed, typu zran\u011bn\u00ed, doby l\u00e9\u010den\u00ed a tak\u00e9 z\u00e1va\u017enosti. Pozor, nekryje ale b\u011b\u017en\u00e9 nemoci, mus\u00ed se jednat opravdu o \u00faraz.Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnostiPokud onemocn\u00edme, nem\u016f\u017eeme pracovat a najednou n\u00e1m vypadne p\u0159\u00edjem, je to velmi nep\u0159\u00edjemn\u00e9. St\u00e1t n\u00e1m d\u00e1v\u00e1 toti\u017e jen \u010d\u00e1st p\u0159\u00edjmu. Poji\u0161t\u011bn\u00ed v\u00e1m ale tyto pen\u00edze dorovn\u00e1, pokud jste dlouhodob\u011b nemocn\u00ed, nebo jen prost\u011b v pracovn\u00ed neschopnosti.Poji\u0161t\u011bn\u00ed majetkuPoji\u0161t\u011bn\u00ed majetku chr\u00e1n\u00ed konkr\u00e9tn\u00ed stavbu. D\u016fm nebo byt. Kryje tuto nemovitost pro p\u0159\u00edpad v\u011bc\u00ed jako je po\u017e\u00e1r, povode\u0148, v\u00fdbuch, vich\u0159ice a podobn\u011b. T\u00fdk\u00e1 se zd\u00ed, st\u0159echy, oken a podobn\u011b. Ne toho, co je uvnit\u0159 nemovitosti. A samoz\u0159ejm\u011b existuje mnoho dal\u0161\u00edch typ\u016f pojistek. Pojistka na dom\u00e1cnost, poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f, auta, poji\u0161t\u011bn\u00ed odpov\u011bdnosti a tak d\u00e1le. Vyplat\u00ed se ale d\u00e1vat si pojistku? To z\u00e1le\u017e\u00ed na hodn\u011b situac\u00ed. A jestli m\u00e1te nazbyt pen\u00edze, kter\u00e9 m\u016f\u017eete na poji\u0161t\u011bn\u00ed d\u00e1t. Pokud ale m\u016f\u017eete, ur\u010dit\u011b si pojistku sjednejte na v\u011bci, na kter\u00fdch v\u00e1m z\u00e1le\u017e\u00ed. Proto\u017ee jistota je jistota.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vyplat\u00ed se m\u00edt poji\u0161t\u011bn\u00ed?","item":"https:\/\/teit.cz\/vyplati-se-mit-pojisteni\/#breadcrumbitem"}]}]