{"id":965,"date":"2011-03-11T09:58:51","date_gmt":"2011-03-11T09:58:51","guid":{"rendered":"http:\/\/gold-silver.biz\/sk\/?p=965"},"modified":"2011-04-08T19:57:23","modified_gmt":"2011-04-08T19:57:23","slug":"poistit-sa-oplati-zivot-pracu-a-byvanie","status":"publish","type":"post","link":"https:\/\/investicnyblog.sk\/gsi\/sk\/poistit-sa-oplati-zivot-pracu-a-byvanie\/","title":{"rendered":"Poisti\u0165 sa oplat\u00ed \u017eivot, pr\u00e1cu a b\u00fdvanie"},"content":{"rendered":"

\u013dudia na Slovensku si kryj\u00fa poisten\u00edm sk\u00f4r majetok ako \u017eivot<\/strong><\/p>\n

<\/strong>Dlhodob\u00fa pr\u00e1ceneschopnos\u0165, smr\u0165 a po\u0161kodenie nehnute\u013enosti odpor\u00fa\u010daj\u00fa odborn\u00edci na investovanie kry\u0165 si poisten\u00edm. T\u00e1to kombin\u00e1cia m\u00e1 pod\u013ea port\u00e1lu Investopedia.com zabezpe\u010di\u0165, \u017ee v pr\u00edpade \u0165a\u017ek\u00fdch \u017eivotn\u00fdch situ\u00e1ci\u00ed nepr\u00edde \u010dlovek o \u017eivotn\u00fd \u0161tandard, na ktor\u00fd bol predt\u00fdm zvyknut\u00fd.<\/p>\n

<\/span>Anal\u00fdza zameran\u00e1 na investi\u010dn\u00e9 vzdel\u00e1vanie d\u00e1va na prv\u00e9 prie\u010dky poistky s\u00favisiace s\u00a0ochranou zdravia a\u00a0\u017eivota. \u201ePredstava dlhodobej invalidity je tak desiv\u00e1, \u017ee niektor\u00ed \u013eudia ju jednoducho vedome ignoruj\u00fa. No poistenie proti trvalej pr\u00e1ceneschopnosti zabezpe\u010d\u00ed \u010dloveku dostato\u010dn\u00e9 prostriedky na to, aby mohol pokra\u010dova\u0165 v\u00a0s\u00fa\u010dasnom \u017eivotnom \u0161t\u00fdle, aj ke\u010f u\u017e viac nem\u00f4\u017ee\u00a0pracova\u0165,\u201c hodnot\u00ed Investopedia.com, ktor\u00e1 patr\u00ed do skupiny Forbes Digital.<\/p>\n

\u017divotn\u00e1 poistka m\u00e1 zase zabezpe\u010di\u0165 finan\u010dn\u00fa nez\u00e1vislos\u0165 \u013eu\u010fom bl\u00edzkym tomu, kto si ju uzatv\u00e1ra. Z\u00e1kladom pre spr\u00e1vne nastavenie \u017eivotnej poistky je vy\u010d\u00edslenie, ko\u013eko klient zar\u00e1ba v\u00a0priemere za rok a ko\u013eko rokov chce e\u0161te\u00a0pracova\u0165. Poistka by mala pribli\u017ene tak\u00fato sumu zabezpe\u010di\u0165 pozostal\u00fdm v\u00a0pr\u00edpade jeho pred\u010dasnej smrti.<\/p>\n

Z\u00e1ujem o\u00a0podobn\u00e9 poistn\u00e9 zmluvy na Slovensku st\u00e1le zaost\u00e1va v\u00a0porovnan\u00ed s vyspel\u00fdmi svetov\u00fdmi ekonomikami. Zatia\u013e \u010do v\u00a0z\u00e1padnej\u00a0Eur\u00f3pe \u010di USA tvoria \u017eivotn\u00e9 poistky zhruba 60 percent poistn\u00e9ho trhu, na Slovensku je to pol na pol v\u00a0porovnan\u00ed s\u00a0ne\u017eivotn\u00fdm poisten\u00edm.<\/p>\n

Tomu navy\u0161e dominuje povinn\u00e9 poistenie\u00a0\u00e1ut, ktor\u00e9 pod\u013ea posledn\u00fdch \u0161tatist\u00edk Slovenskej asoci\u00e1cie pois\u0165ovn\u00ed za dev\u00e4\u0165 mesiacov roka 2010 tvor\u00ed takmer 30 percent trhu s\u00a0ne\u017eivotn\u00fdm poisten\u00edm.<\/p>\n

Poisti\u0165 sa proti \u0161kod\u00e1m pre pr\u00edpad zavinenej nehody, zara\u010fuje medzi priority aj Investopedia, no pred t\u00fdmto druhom uprednost\u0148uje poistenie vlastn\u00e9ho b\u00fdvania. \u201ePri v\u00fdbere poistenia b\u00fdvania sa treba s\u00fastredi\u0165 viac na podmienky t\u00fdkaj\u00face sa\u00a0n\u00e1hrady po\u0161kodenia stavby a\u00a0vn\u00fatorn\u00e9ho vybavenia, napr\u00edklad na preplatenie do\u010dasn\u00e9ho b\u00fdvania pois\u0165ov\u0148ou,\u201c usmer\u0148uje port\u00e1l.<\/p>\n

Pod\u013ea \u0161tatist\u00edk pois\u0165ovn\u00ed m\u00e1 poistenie nehnute\u013enosti na\u00a0Slovensku pribli\u017ene len 40 percent dom\u00e1cnost\u00ed. Aj tie s\u00fa \u010dasto pod\u013ea predstavite\u013eov tretej najv\u00e4\u010d\u0161ej pois\u0165ovne Generali Slovensko poisten\u00e9 nedostato\u010dne. V\u00a0pr\u00edpade \u00fapln\u00e9ho zni\u010denia nehnute\u013enosti tak klient, ak by mu aj pois\u0165ov\u0148a priznala n\u00e1hradu v\u00a0plnej v\u00fd\u0161ke dohodnutej sumy, nedostane sp\u00e4\u0165 to\u013eko pe\u0148az\u00ed, aby si mohol poisten\u00fd byt \u010di dom kompletne opravi\u0165 alebo postavi\u0165 nov\u00fd.<\/p>\n

Investopedia medzi prioritn\u00e9 oblasti poistenia zara\u010fuje tie\u017e zdravotn\u00e9 poistenie, ktor\u00e9 je ale v\u00a0USA\u00a0dobrovo\u013en\u00e9. Na\u00a0Slovensku je platenie zdravotn\u00fdch odvodov povinn\u00e9 pre v\u0161etk\u00fdch obyvate\u013eov. Syst\u00e9m komer\u010dn\u00e9ho zdravotn\u00e9ho pripoistenia, ktor\u00e9 zabezpe\u010d\u00ed nad\u0161tandardn\u00fa starostlivos\u0165 pri lek\u00e1rskych z\u00e1krokoch \u010di drah\u0161ie lieky, sa na u\u00a0n\u00e1s e\u0161te len rozbieha.<\/p>\n

Autor: xm \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Zdroj:financie.etrend.sk<\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

\u013dudia na Slovensku si kryj\u00fa poisten\u00edm sk\u00f4r majetok ako \u017eivot Dlhodob\u00fa pr\u00e1ceneschopnos\u0165, smr\u0165 a po\u0161kodenie nehnute\u013enosti odpor\u00fa\u010daj\u00fa odborn\u00edci na investovanie kry\u0165 si poisten\u00edm. T\u00e1to kombin\u00e1cia m\u00e1 pod\u013ea port\u00e1lu Investopedia.com zabezpe\u010di\u0165, … <\/a><\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/posts\/965"}],"collection":[{"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/comments?post=965"}],"version-history":[{"count":8,"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/posts\/965\/revisions"}],"predecessor-version":[{"id":969,"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/posts\/965\/revisions\/969"}],"wp:attachment":[{"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/media?parent=965"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/categories?post=965"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/tags?post=965"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}