[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.koge.sk\/co-je-poistna-zmluva\/#Article","mainEntityOfPage":"https:\/\/www.koge.sk\/co-je-poistna-zmluva\/","headline":"\u010co je poistn\u00e1 zmluva?","name":"\u010co je poistn\u00e1 zmluva?","description":"V \u017eivote m\u00f4\u017ee nasta\u0165 mnoho ne\u010dakan\u00fdch a n\u00e1hodn\u00fdch udalost\u00ed, kv\u00f4li ktor\u00fdm by mal ka\u017ed\u00fd ma\u0165 uzavret\u00fa pre istotu poistn\u00fa zmluvu, preto\u017ee nikdy nevieme \u010do sa n\u00e1m m\u00f4\u017ee prihodi\u0165. Poistn\u00e1 zmluva je vlastne zmluvn\u00fd dokument, ktor\u00fd vyjadruje zmluvn\u00fd vz\u0165ah medzi poistite\u013eom (pois\u0165ov\u0148a) a poistn\u00edkom (klient). Tento dokument zav\u00e4zuje poistite\u013ea s t\u00fdm, \u017ee v pr\u00edpade ak by <a href=\"https:\/\/www.koge.sk\/co-je-poistna-zmluva\/\" class=\"more-link\">...<span class=\"screen-reader-text\">  \u010co je poistn\u00e1 zmluva?<\/span><\/a>","datePublished":"2022-02-07","dateModified":"2022-02-07","author":{"@type":"Person","@id":"https:\/\/www.koge.sk\/author\/#Person","name":"","url":"https:\/\/www.koge.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"koge.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.koge.sk\/wp-content\/uploads\/podpis%20poistnej%20zmluvy.jpg","url":"https:\/\/www.koge.sk\/wp-content\/uploads\/podpis%20poistnej%20zmluvy.jpg","height":0,"width":0},"url":"https:\/\/www.koge.sk\/co-je-poistna-zmluva\/","wordCount":380,"articleBody":"   V \u017eivote m\u00f4\u017ee nasta\u0165 mnoho ne\u010dakan\u00fdch a n\u00e1hodn\u00fdch udalost\u00ed, kv\u00f4li ktor\u00fdm by mal ka\u017ed\u00fd ma\u0165 uzavret\u00fa pre istotu poistn\u00fa zmluvu, preto\u017ee nikdy nevieme \u010do sa n\u00e1m m\u00f4\u017ee prihodi\u0165. Poistn\u00e1 zmluva je vlastne zmluvn\u00fd dokument, ktor\u00fd vyjadruje zmluvn\u00fd vz\u0165ah medzi poistite\u013eom (pois\u0165ov\u0148a) a poistn\u00edkom (klient). Tento dokument zav\u00e4zuje poistite\u013ea s t\u00fdm, \u017ee v pr\u00edpade ak by nastala nejak\u00e1 neo\u010dak\u00e1van\u00e1 udalos\u0165 ako je napr\u00edklad nehoda, strata bato\u017einy po\u010das cestovania alebo in\u00e9 udalosti, je povinn\u00fd v ur\u010ditom rozsahu vyplati\u0165 poistn\u00e9. V tejto zmluve s\u00fa taktie\u017e dohodnut\u00e9 aj konkr\u00e9tne podmienky, pod\u013ea ktor\u00fdch sa potom ur\u010duj\u00fa \u0161pecifik\u00e1cie v situ\u00e1ci\u00e1ch, kedy sa m\u00e1 poistn\u00e9 klientovi vyplati\u0165. Poistn\u00fdch zml\u00fav m\u00f4\u017ee by\u0165 viacero druhov a prisp\u00f4sobuj\u00fa sa vybran\u00e9mu typu poistenia, napr\u00edklad m\u00f4\u017ee \u00eds\u0165 o cestovn\u00e9 poistenie, \u017eivotn\u00e9 poistenie, poistenie domu, nehnute\u013enosti, \u010di auta alebo r\u00f4zne in\u00e9. Za poistn\u00e9 slu\u017eby plat\u00ed poistn\u00edk platbu, ktor\u00e1 sa taktie\u017e odv\u00edja od typu poistenia. M\u00f4\u017ee \u00eds\u0165 o pravideln\u00fa mesa\u010dn\u00fa platbu, raz za \u0161tvr\u0165rok, raz ro\u010dne, ale aj jednorazovo. V\u0161etko z\u00e1vis\u00ed od individu\u00e1lnej pois\u0165ovne a dohody so z\u00e1kazn\u00edkom.Poistenie a poistn\u00e1 zmluva Ezmluva.sk sa musia riadi\u0165 Ob\u010dianskym z\u00e1konn\u00edkom a n\u00e1le\u017eitos\u0165ami, ktor\u00e9 s\u00fa v \u0148om platn\u00e9. Pod\u013ea tohto z\u00e1konn\u00edka, \u017eiada klient o poistenie, prostredn\u00edctvom podania n\u00e1vrhu na uzavretie poistnej zmluvy. \u010ealej Ob\u010diansky z\u00e1konn\u00edk hovor\u00ed, \u017ee ka\u017ed\u00e1 poistn\u00e1 zmluva mus\u00ed obsahova\u0165 v\u0161eobecn\u00e9 poistn\u00e9 podmienky, zmluvn\u00e9 dojednania, osobitn\u00e9 poistn\u00e9 podmienky, dolo\u017eky k zmluve a pr\u00edlohy. Odpor\u00fa\u010da sa, aby spolu s poistnom zmluvou bol k nej pripojen\u00fd aj doklad o zaplaten\u00ed poistn\u00e9ho. V tomto pr\u00edpade sa to odli\u0161uje pri jednorazovom poplatku, kedy je doklad iba jeden, a pri inom platen\u00ed, napr\u00edklad mesa\u010dnom sa d\u00e1va k zmluve prv\u00fd uhraden\u00fd doklad. Samotn\u00e9 poistenie potom n\u00e1sledne vznik\u00e1 bu\u010f na z\u00e1klade zaplatenia prvej \u00fahrady, alebo podp\u00edsan\u00edm poistnej zmluvy. Znova v\u0161etko z\u00e1vis\u00ed od individu\u00e1lnej pois\u0165ovne a druhu poistenia, ktor\u00fd pl\u00e1nujete uzavrie\u0165.                                                                                                                                                                                                                                                                                                                                                                                           3.9\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010co je poistn\u00e1 zmluva?","item":"https:\/\/www.koge.sk\/co-je-poistna-zmluva\/#breadcrumbitem"}]}]