{"id":6567,"date":"2022-07-20T00:00:00","date_gmt":"2022-07-19T23:00:00","guid":{"rendered":"https:\/\/instrid.sk\/uncategorized\/su-poistovne-podvody-nie-su-ale-je-potrebne-spravne-si-vybrat\/"},"modified":"2022-07-20T00:00:00","modified_gmt":"2022-07-19T23:00:00","slug":"su-poistovne-podvody-nie-su-ale-je-potrebne-spravne-si-vybrat","status":"publish","type":"post","link":"https:\/\/instrid.sk\/en\/archiv\/su-poistovne-podvody-nie-su-ale-je-potrebne-spravne-si-vybrat\/","title":{"rendered":"S\u00fa pois\u0165ovne podvody? Nie s\u00fa, ale je potrebn\u00e9 spr\u00e1vne si vybra\u0165"},"content":{"rendered":"<p>Pois\u0165ovn\u00ed je dnes na trhu tak ve\u013ea, \u017ee oby\u010dajn\u00fd \u010dlovek, ktor\u00fd sa dobre neorientuje na finan\u010dnom trhu, niekedy nevie rozpozna\u0165 ani log\u00e1 t\u00fdch najzn\u00e1mej\u0161\u00edch. Reput\u00e1cia pois\u0165ovne je pritom jedn\u00fdm z v\u00fdznamn\u00fdch krit\u00e9ri\u00ed, pre ktor\u00e9 z\u00edskava nov\u00fdch klientov. <span style=\"font-weight: 400;\">Ako m\u00e1 teda tento \u201eoby\u010dajn\u00fd\u201c \u010dlovek vedie\u0165, ktor\u00fa pois\u0165ov\u0148u si m\u00e1 vybra\u0165?<\/span><\/p>\n<h3>Za\u010dnime od z\u00e1kladu<\/h3>\n<p><span style=\"font-weight: 400;\">Pre jednoduchos\u0165 vysvetlenia, pois\u0165ov\u0148a je subjekt, ktor\u00fd za klientove peniaze a za dojednan\u00e9 podmienky preber\u00e1 zodpovednos\u0165 za riziko, ktor\u00e9 by inak zn\u00e1\u0161al s\u00e1m klient. Inak povedan\u00e9, pois\u0165ov\u0148a preber\u00e1 finan\u010dn\u00fa kompenz\u00e1ciu na seba za \u0161kody, ktor\u00e9 klient sp\u00f4sobil alebo mu bolo sp\u00f4soben\u00e9. Tento vz\u0165ah sa pohybuje len v dojednan\u00fdch medziach zmluvy, ktor\u00fa klient s pois\u0165ov\u0148ou uzavrel.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kr\u00e1sne to znie, ale ak\u00e1 je realita? \u010co zodpoved\u00e1 skuto\u010dnosti a \u010do s\u00fa len pr\u00e1zdne s\u013euby? Ak\u00e1 m\u00e1 by\u0165 spr\u00e1vna vo\u013eba? Tieto ot\u00e1zky tr\u00e1pia asi ka\u017ed\u00e9ho pri v\u00fdbere svojho poistenia v pois\u0165ovni.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pripravili sme pre v\u00e1s 5 najd\u00f4le\u017eitej\u0161\u00edch faktorov pri v\u00fdbere pois\u0165ovne.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b><i>Ve\u013ekos\u0165 a medzin\u00e1rodn\u00e1 p\u00f4sobnos\u0165 spolo\u010dnosti je d\u00f4le\u017eit\u00fdm faktorom.<br \/>\n<\/i><\/b><span style=\"font-weight: 400;\">Pri v\u00fdbere hr\u00e1 ve\u013ek\u00fa \u00falohu to, ak\u00e1 ve\u013ek\u00e1 je spolo\u010dnos\u0165. Rozhodne odpor\u00fa\u010dam vybra\u0165 tak\u00fa, ktor\u00e1 je medzin\u00e1rodn\u00e1 a dlhodobo zn\u00e1ma. M\u00f4\u017ee sa sta\u0165, \u017ee je pois\u0165ov\u0148a na Slovensku m\u00e1lo zn\u00e1ma a preto odpor\u00fa\u010dam pozrie\u0165 si hist\u00f3riu spolo\u010dnosti na webe.\u00a0<\/span><\/p>\n<p><b><i>Referencie pois\u0165ovne na webe m\u00f4\u017eu pom\u00f4c\u0165<\/i><\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Pre \u0161tandardn\u00e9ho klienta, ktor\u00fd nevyh\u013ead\u00e1 pomoc, je dobr\u00e1 ind\u00edcia aj referencia od in\u00fdch klientov. Treba sa zamera\u0165 na pozit\u00edvne aj negat\u00edvne spr\u00e1vy, ktor\u00e9 n\u00e1jde.\u00a0<\/span><\/p>\n<p><b><i>Benefity pre klienta, ktor\u00e9 predbehn\u00fa konkurenciu<br \/>\n<\/i><\/b><span style=\"font-weight: 400;\">Niektor\u00e9 pois\u0165ovne si uvedomili, \u017ee ak chc\u00fa z\u00edska\u0165 prevahu nad konkurenciou, musia da\u0165 klientom benefity. M\u00f4\u017eu to by\u0165 pripoistenia, ktor\u00e9 maj\u00fa klienti v nastaven\u00ed zadarmo alebo slu\u017eby, ktor\u00e9 m\u00f4\u017eu klienti vyu\u017ei\u0165. V\u017edy to je ale nie\u010do navy\u0161e a preto to je jeden z faktorov v\u00fdberu. \u010c\u00edm viac mo\u017enost\u00ed, t\u00fdm lep\u0161ie pre klienta. Preto sa treba o nich informova\u0165.<\/span><\/p>\n<p><b><i>Pomer ceny a ochrany je z\u00e1sadn\u00fd<\/i><\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Bez debaty je cena d\u00f4le\u017eit\u00fdm ukazovate\u013eom na v\u00fdber pois\u0165ovne. Cena m\u00e1 ale odzrkad\u013eova\u0165 to, \u010do chcem a potrebujem chr\u00e1ni\u0165. Nesmie plati\u0165 pravidlo, ktor\u00e9 kedysi kolovalo, a to, \u017ee ak plat\u00edm za poistenie m\u00e1lo, je to skvel\u00e9 poistenie.\u00a0<\/span><\/p>\n<p><b><i>Nastavenie poistenia, servis, starostlivos\u0165 a hlavne plnenie poistn\u00fdch udalost\u00ed<br \/>\n<\/i><\/b><span style=\"font-weight: 400;\">Nastavenie ochrany je d\u00f4le\u017eit\u00e9 a to bez debaty. Je potrebn\u00e9, aby vych\u00e1dzalo z toho \u010do presne potrebuje klient chr\u00e1ni\u0165. D\u00f4le\u017eit\u00e9 je aj neust\u00e1le inovovanie a zlep\u0161ovanie pripoisten\u00ed zo strany pois\u0165ovne. D\u00f4vodom aktualiz\u00e1cie a zlep\u0161ovania je s\u00faperenie pois\u0165ovn\u00ed. Ak viem dosta\u0165 lep\u0161ie krytie za rovnak\u00fa cenu ako inde vyu\u017eijem predsa tak\u00fa mo\u017enos\u0165.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Najd\u00f4le\u017eitej\u0161\u00ed faktor v\u00fdberu ale nast\u00e1va v pr\u00edpade plnenia poistnej udalosti. Ako r\u00fdchlo trv\u00e1 vyplatenie a \u010di je potrebn\u00fd zd\u013ahav\u00fd proces vybavovania podkladov. Preto je dobre vedie\u0165 aj postup ako v pois\u0165ovni postupova\u0165 pri nahl\u00e1sen\u00ed poistnej udalosti a \u010di je potrebn\u00e9 v\u0161etko prinies\u0165 na kamenn\u00fa pobo\u010dku alebo je mo\u017en\u00e9 v\u0161etko vybavi\u0165 online.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><em>Aktualiz\u00e1cia p\u00f4vodn\u00e9ho pr\u00edspevku zo 17. augusta 2020<\/em><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"2n1dere6sj\"><p><a href=\"https:\/\/www.unitedlife.sk\/ste-pravidelne-v-minuse-a-nevychadzate-pozor-na-exekucie\/\" rel=\"nofollow noopener\" target=\"_blank\">Ste pravidelne v m\u00ednuse a nevych\u00e1dzate? Tipy \u0161pecialistu, ako sa z toho vymani\u0165<\/a><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Ste pravidelne v m\u00ednuse a nevych\u00e1dzate? Tipy \u0161pecialistu, ako sa z toho vymani\u0165&#8221; &#8212; UnitedLife\" src=\"https:\/\/www.unitedlife.sk\/ste-pravidelne-v-minuse-a-nevychadzate-pozor-na-exekucie\/embed\/#?secret=LnBmvFPWw5#?secret=2n1dere6sj\" data-secret=\"2n1dere6sj\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"WlCh3n1YCm\"><p><a href=\"https:\/\/www.unitedlife.sk\/ako-zabranit-neplneniu-z-poistenia\/\" rel=\"nofollow noopener\" target=\"_blank\">Ako sa vyhn\u00fa\u0165 probl\u00e9mom so \u017eivotnou poistkou? K\u013e\u00fa\u010dov\u00e9 je jej nastavenie na za\u010diatku<\/a><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Ako sa vyhn\u00fa\u0165 probl\u00e9mom so \u017eivotnou poistkou? K\u013e\u00fa\u010dov\u00e9 je jej nastavenie na za\u010diatku&#8221; &#8212; UnitedLife\" src=\"https:\/\/www.unitedlife.sk\/ako-zabranit-neplneniu-z-poistenia\/embed\/#?secret=hRwEssMnQ5#?secret=WlCh3n1YCm\" data-secret=\"WlCh3n1YCm\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"CWhnvMsgLB\"><p><a href=\"https:\/\/www.unitedlife.sk\/refinancovanie-ma-svoje-nastrahy-5-veci-na-co-si-dat-pozor\/\" rel=\"nofollow noopener\" target=\"_blank\">Chyst\u00e1te sa refinancova\u0165 hypot\u00e9ku a z\u00edska\u0165 tak peniaze navy\u0161e? Dajte si pozor t\u00fdchto 5 vec\u00ed<\/a><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Chyst\u00e1te sa refinancova\u0165 hypot\u00e9ku a z\u00edska\u0165 tak peniaze navy\u0161e? Dajte si pozor t\u00fdchto 5 vec\u00ed&#8221; &#8212; UnitedLife\" src=\"https:\/\/www.unitedlife.sk\/refinancovanie-ma-svoje-nastrahy-5-veci-na-co-si-dat-pozor\/embed\/#?secret=W8xVXxNGi7#?secret=CWhnvMsgLB\" data-secret=\"CWhnvMsgLB\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"PZseFiSST3\"><p><a href=\"https:\/\/www.unitedlife.sk\/ako-spravne-nalozit-s-vyhrou-v-loterii-alebo-dedicstvom\/\" rel=\"nofollow noopener\" target=\"_blank\">Dosta\u0165 ve\u013ea pe\u0148az\u00ed naraz je pre mnoh\u00fdch za\u010diatok bankrotu. Ako spr\u00e1vne nalo\u017ei\u0165 s v\u00fdhrou alebo dedi\u010dstvom?<\/a><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Dosta\u0165 ve\u013ea pe\u0148az\u00ed naraz je pre mnoh\u00fdch za\u010diatok bankrotu. Ako spr\u00e1vne nalo\u017ei\u0165 s v\u00fdhrou alebo dedi\u010dstvom?&#8221; &#8212; UnitedLife\" src=\"https:\/\/www.unitedlife.sk\/ako-spravne-nalozit-s-vyhrou-v-loterii-alebo-dedicstvom\/embed\/#?secret=eZoQKOthfq#?secret=PZseFiSST3\" data-secret=\"PZseFiSST3\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>M\u00f4\u017ee ma\u0165 pois\u0165ov\u0148a status najlep\u0161ia medzi v\u0161etk\u00fdmi ostatn\u00fdmi? \u010co v\u00f4bec rozhoduje, ktor\u00e1 je lep\u0161ia a ktor\u00e1 nie je.\u00a0<\/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-6567","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6567","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=6567"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6567\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=6567"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=6567"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=6567"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}