{"id":6238,"date":"2019-08-10T00:00:00","date_gmt":"2019-08-09T23:00:00","guid":{"rendered":"https:\/\/instrid.sk\/uncategorized\/ako-zabranit-neplneniu-z-poistenia\/"},"modified":"2019-08-10T00:00:00","modified_gmt":"2019-08-09T23:00:00","slug":"ako-zabranit-neplneniu-z-poistenia","status":"publish","type":"post","link":"https:\/\/instrid.sk\/en\/archiv\/ako-zabranit-neplneniu-z-poistenia\/","title":{"rendered":"Ako sa vyhn\u00fa\u0165 probl\u00e9mom so \u017eivotnou poistkou? K\u013e\u00fa\u010dov\u00e9 je jej nastavenie na za\u010diatku"},"content":{"rendered":"

Ke\u010f sa povie \u017eivotn\u00e9 poistenie, som presved\u010den\u00fd, \u017ee v\u00e4\u010d\u0161ina \u013eud\u00ed reaguje rozpa\u010dito. Nie je sa \u010domu \u010dudova\u0165, preto\u017ee o tomto finan\u010dnom produkte koluje najviac m\u00fdtov. <\/span>Pritom \u017eivotn\u00e9 poistenie m\u00e1 \u00fa\u010del chr\u00e1ni\u0165 klienta v pr\u00edpade zdravotn\u00e9ho probl\u00e9mu, ktor\u00fd nastal.\u00a0<\/span><\/p>\n

Pr\u00ed\u010din dezinform\u00e1ci\u00ed a nelichotiv\u00fdch tvrden\u00ed\u00a0 je mnoho, ale hlavn\u00fd d\u00f4vod je ten, \u017ee bol tento finan\u010dn\u00fd n\u00e1stroj od za\u010diatku zle pochopen\u00fd a zneva\u017eovan\u00fd amat\u00e9rmi, ktor\u00ed vyu\u017eili nevedomos\u0165 klientov.<\/span><\/p>\n

Po\u010das mojej finan\u010dnej praxe som sa u klientov stretol so zmluvou, ktor\u00e1 mala chr\u00e1ni\u0165 klienta, ale v skuto\u010dnosti nezoh\u013ead\u0148ovala jeho re\u00e1lne potreby a z\u00e1ujmy.<\/span><\/p>\n

 <\/p>\n

Nastavenie poistenia je d\u00f4le\u017eit\u00e9<\/b><\/h3>\n

Naj\u010dastej\u0161\u00edm probl\u00e9mom pri zmluv\u00e1ch je nespr\u00e1vne nastavenie poistnej ochrany pre klienta. N\u00e1sledne, ak chce klient z poistenia plnenie, je nemilo prekvapen\u00fd, \u017ee ni\u010d nedostane.<\/span><\/p>\n

D\u00f4vodom je bu\u010f nespr\u00e1vne zvolen\u00e1 ochrana, nepresk\u00faman\u00fd zdravotn\u00fd stav alebo to, \u017ee dan\u00e1 ochrana v\u00f4bec nebola v poisten\u00ed dojednan\u00e1.\u00a0<\/span><\/p>\n

 <\/p>\n Roky ste si platili \u017eivotn\u00e9 poistenie a ke\u010f sa v\u00e1m nie\u010do stalo, ni\u010d ste nedostali? Nie je to chyba pois\u0165ovne, ale v\u00e1s a sprostredkovate\u013ea, preto\u017ee ste nedbali na rozsah ochrany.\n

Poistn\u00e1 ochrana<\/b><\/h3>\n

Ak si klient dojedn\u00e1va poistenie, mal by zmluvu rie\u0161i\u0165 s profesion\u00e1lom. Ten na z\u00e1klade rozhovoru s klientom vie ur\u010di\u0165 presn\u00e9 nastavenie ochrany. Poistenie by malo sp\u013a\u0148a\u0165 ochrann\u00fa funkciu na vzniknut\u00e9 udalosti a d\u00f4sledky – nesta\u010d\u00ed, aby zmluva dobre vyzerala na papieri. <\/span><\/p>\n

Nastavenie by malo by\u0165 prisp\u00f4soben\u00e9 na pr\u00edjem klienta<\/strong>, zoh\u013ead\u0148ova\u0165\u00a0 jeho v\u00fddavky, aby ich mal pokryt\u00e9, ak by sa nie\u010do stalo.<\/span><\/p>\n

 <\/p>\n

Sk\u00fa\u0161obn\u00fd n\u00e1vrh zdravotn\u00e9ho stavu<\/b>
\n<\/span><\/h3>\n

Pred vstupom do poistenia sa rob\u00ed sk\u00fa\u0161obn\u00fd n\u00e1vrh zdravia klienta<\/strong>. Je to pre pois\u0165ov\u0148u previerka rizikovosti klienta. Ak klient nie\u010do z\u00e1merne neuvedie, pri od\u0161kod\u0148ovan\u00ed poistnej udalosti pois\u0165ov\u0148a zist\u00ed zaml\u010dan\u00fa skuto\u010dnos\u0165 a zamietne poistn\u00e9 plnenie. Preto odpor\u00fa\u010dam vedome ni\u010d o zdravotnom stave netaji\u0165.<\/span><\/p>\n

 <\/p>\n Pred uzatvoren\u00edm \u017eivotnej poistky nemus\u00edte v\u017edy nav\u0161t\u00edvi\u0165 lek\u00e1ra, ale ak sa nesk\u00f4r zist\u00ed, \u017ee ste \u010doko\u013evek zaml\u010dali, obr\u00e1ti sa to vo v\u00e1\u0161 neprospech. Z\u00e1kladom je neklama\u0165 a nezatajova\u0165 ni\u010d o svojom zdravotnom stave.\n

 <\/p>\n

Nedojednan\u00e1 poistn\u00e1 ochrana<\/b>
\n<\/span><\/h3>\n

Ak nie je v poistnej zmluve dojednan\u00e9 pripoistenie, klient si ho nem\u00f4\u017ee uplatni\u0165. St\u00e1va sa \u010dasto, \u017ee u nov\u00fdch klientov vid\u00edm zmluvy, kde boli dojednan\u00e9 len z\u00e1kladn\u00e9 ochrany. <\/span>
\n<\/span>
\n<\/span>Je \u0165a\u017eko poveda\u0165, kto je v takomto pr\u00edpade zodpovedn\u00fd. Nesie zodpovednos\u0165 \u010dlovek, ktor\u00fd zostavil poistenie pod\u013ea klientovej ochoty plati\u0165? Alebo klient, ktor\u00fd si myslel, \u017ee tak\u00e1 situ\u00e1cia nenastane a nepotrebuje na \u0148u v poisten\u00ed myslie\u0165?\u00a0<\/span><\/p>\n

M\u00f4\u017ee za to finan\u010dn\u00e1 (ne)gramotnos\u0165<\/strong> a to, \u017ee sa o svoju ochranu \u013eudia nezauj\u00edmaj\u00fa a poistenie ber\u00fa na \u013eahk\u00fa v\u00e1hu.<\/span><\/p>\n

 <\/p>\n

Odpor\u00fa\u010danie na z\u00e1ver<\/b><\/h3>\n

Ak sa zostavuje poistenie, malo by sp\u013a\u0148a\u0165 komplexn\u00e9 rie\u0161enie ochrany. A hlavne m\u00e1 by\u0165 pripraven\u00e9 pod\u013ea potrieb a pr\u00edjmu klienta. Ten, kto zostavuje poistenie, m\u00e1 vysvetli\u0165 a uk\u00e1za\u0165 klientovi, na \u010do ho poistenie kryje a na \u010do nie. Ak si klient nedok\u00e1\u017ee plati\u0165 ide\u00e1lne poistenie, \u0161pecialista m\u00e1 povinnos\u0165 obozn\u00e1mi\u0165 ho s nedostatkami.\u00a0<\/span><\/p>\n

Je potrebn\u00e9 spravi\u0165 pravdiv\u00fd sk\u00fa\u0161obn\u00fd n\u00e1vrh zdravia klienta. Ak sa dodr\u017eia tieto z\u00e1sady, minimalizuje sa riziko neplnenia v pr\u00edpade, \u017ee sa klientovi nie\u010do stane.<\/span><\/p>\n

\u017divotn\u00e9 poistenie je n\u00e1stroj, kde \u010dlovek nevid\u00ed osoh okam\u017eite. Ale ak nastane situ\u00e1cia, kedy ho potrebuje, bude r\u00e1d \u017ee ho m\u00e1. V mojej praxi som mal nieko\u013eko pr\u00edpadov, kedy moji klienti potrebovali peniaze z poistenia. A aj napriek ich prvotnej ned\u00f4vere a nechuti plati\u0165 takto nastaven\u00e9 poistenie boli napokon radi, \u017ee si ho v\u010das zaobstarali.<\/span><\/p>\n

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

Rady od \u0161pecialistu o tom, ako zabr\u00e1ni\u0165 neplneniu z poistenia.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-6238","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6238","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/comments?post=6238"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6238\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=6238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=6238"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=6238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}