{"id":1043,"date":"2023-03-01T19:26:54","date_gmt":"2023-03-01T19:26:54","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1043"},"modified":"2023-03-01T19:26:54","modified_gmt":"2023-03-01T19:26:54","slug":"kooperativa-vylepsila-pojisteni-majetku","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1043","title":{"rendered":"Kooperativa vylep\u0161ila poji\u0161t\u011bn\u00ed majetku"},"content":{"rendered":"<p><strong>Poji\u0161t\u011bn\u00ed majetku od Kooperativy podporuje ekologick\u00e9 investice.\u00a0<\/strong><strong>V\u00fdznamnou novinkou v nab\u00eddce Kooperativy je tzv. Ekologick\u00fd benefit.\u00a0<\/strong><\/p>\n<p><!--more--><\/p>\n<p>V\u00a0roce 2022 Kooperativa \u0159e\u0161ila v\u00a0poji\u0161t\u011bn\u00ed majetku a odpov\u011bdnosti ob\u010dan\u016f p\u0159es 60 tis\u00edc pojistn\u00fdch ud\u00e1lost\u00ed za 1,98 miliardy K\u010d. <em>\u201eNejv\u00edce \u0161kod na\u0161im klient\u016fm zp\u016fsobily p\u0159\u00edrodn\u00ed \u017eivly, p\u0159edev\u0161\u00edm vich\u0159ice a bou\u0159ky, d\u00e1le pak probl\u00e9my s\u00a0vodoinstalacemi a v\u00a0neposledn\u00ed \u0159ad\u011b jsme tradi\u010dn\u011b zaznamenali i v\u00fdznamn\u00fd po\u010det odpov\u011bdnostn\u00edch \u0161kod. Na\u0161im klient\u016fm jsme vedle toho zajistili i tis\u00edce asisten\u010dn\u00edch z\u00e1sah\u016f, kter\u00e9 jim vedle finan\u010dn\u00ed kompenzace \u0161kod pomohly vy\u0159e\u0161it i akutn\u00ed pot\u00ed\u017ee,\u201c<\/em> shrnuje lo\u0148sk\u00fd v\u00fdvoj \u0161kod Tom\u00e1\u0161 Reitermann, vedouc\u00ed Odboru poji\u0161t\u011bn\u00ed ob\u010dan\u016f.<\/p>\n<p>Leto\u0161n\u00ed modernizace ob\u010dansk\u00e9 produktov\u00e9 nab\u00eddky p\u0159in\u00e1\u0161\u00ed nov\u00e9 a v\u00fdznamn\u011b pos\u00edlen\u00e9 asisten\u010dn\u00ed slu\u017eby zdarma, v\u00a0poji\u0161t\u011bn\u00ed majetku Kooperativa nav\u00fd\u0161ila \u010di \u00fapln\u011b zru\u0161ila v\u011bt\u0161inu limit\u016f pln\u011bn\u00ed. Unik\u00e1tn\u00ed novinkou je <strong>Ekologick\u00fd benefit<\/strong>. Ten garantuje v\u00fdplatu pln\u011bn\u00ed i nad r\u00e1mec pojistn\u00e9 \u010d\u00e1stky, pokud \u0161koda p\u0159es\u00e1hne 75 % z\u00a0pojistn\u00e9 \u010d\u00e1stky zasa\u017een\u00e9ho rodinn\u00e9ho domu, rekrea\u010dn\u00ed budovy \u010di bytov\u00e9 jednotky. Klient tak nav\u00edc obdr\u017e\u00ed prost\u0159edky na ekologickou modernizaci zasa\u017een\u00e9ho objektu. <em>\u201ePokud tedy nap\u0159\u00edklad pojist\u00edte sv\u016fj rodinn\u00fd d\u016fm na pojistnou \u010d\u00e1stku 8 milion\u016f K\u010d a dojde k\u00a0v\u00fd\u0161e zm\u00edn\u011bn\u00e9 pojistn\u00e9 ud\u00e1losti, krom\u011b obvykl\u00e9ho pojistn\u00e9ho pln\u011bn\u00ed z\u00edsk\u00e1te nav\u00edc 5 % z\u00a0pojistn\u00e9 \u010d\u00e1stky, tedy 400 tis\u00edc K\u010d, na po\u0159\u00edzen\u00ed nebo vylep\u0161en\u00ed t\u0159eba vnit\u0159n\u00edho a vn\u011bj\u0161\u00edho zateplen\u00ed, fotovoltaiky, tepeln\u00e9ho \u010derpadla nebo syst\u00e9mu na zadr\u017eov\u00e1n\u00ed a vyu\u017e\u00edv\u00e1n\u00ed de\u0161\u0165ov\u00e9 vody\u201c<\/em> p\u0159edstavuje modern\u00ed novinku Tom\u00e1\u0161 Reitermann.<\/p>\n<p>V\u00fdznamn\u011b Kooperativa pos\u00edlila nab\u00eddku sv\u00fdch asisten\u010dn\u00edch slu\u017eeb, kter\u00e9 klienti ke sv\u00e9mu poji\u0161t\u011bn\u00ed z\u00edsk\u00e1vaj\u00ed bezplatn\u011b. <em>\u201e\u00daplnou novinkou je asistence pro p\u0159\u00edpad st\u011bhov\u00e1n\u00ed, d\u00e1le jde nap\u0159\u00edklad o asistence v\u00a0p\u0159\u00edpad\u011b pot\u0159eby poz\u00e1ru\u010dn\u00ed opravy dom\u00e1c\u00edch spot\u0159ebi\u010d\u016f \u010di novou kyberasistenci. Z\u00e1rove\u0148 se zv\u00fd\u0161ily limity pln\u011bn\u00ed pro p\u0159\u00edpad \u0159emesln\u00fdch prac\u00ed, kter\u00fdmi se odstra\u0148uj\u00ed r\u016fzn\u00e9 nouzov\u00e9 situace, nov\u011b \u010din\u00ed a\u017e 10 tis\u00edc K\u010d pro jeden z\u00e1sah, a po\u010det z\u00e1sah\u016f v\u00a0roce nov\u011b ji\u017e nen\u00ed omezen,\u201c<\/em> dopl\u0148uje Tom\u00e1\u0161 Reitermann.<\/p>\n<p>Unik\u00e1tn\u00ed je v\u00a0dne\u0161n\u00ed nejist\u00e9 dob\u011b p\u0159\u00edstup Kooperativy pro p\u0159\u00edpad \u0159e\u0161en\u00ed velk\u00fdch ob\u010dansk\u00fdch majetkov\u00fdch \u0161kod. M\u00e1-li klient poji\u0161t\u011bn\u00ed indexovan\u00e9, je zaru\u010dena k jeho poji\u0161t\u011bn\u00ed <strong>infla\u010dn\u00ed garance<\/strong>. Jde o ochranu pro p\u0159\u00edpad, \u017ee by mu ani indexovan\u00e1 horn\u00ed hranice pln\u011bn\u00ed nepokryla kv\u016fli mimo\u0159\u00e1dn\u00e9 inflaci celou v\u00fd\u0161i \u0161kody. <em>\u201eD\u00edky infla\u010dn\u00ed garanci klient obdr\u017e\u00ed pojistn\u00e9 pln\u011bn\u00ed a\u017e do v\u00fd\u0161e<strong> 120 % <\/strong>horn\u00ed hranice pojistn\u00e9ho pln\u011bn\u00ed. Tedy a\u017e o 20 % vy\u0161\u0161\u00ed \u010d\u00e1stku, ne\u017e jakou m\u00e1 sjednanou v dodatku, kter\u00fdm p\u0159ijal n\u00e1\u0161 n\u00e1vrh na indexaci,\u201c<\/em> vysv\u011btluje Tom\u00e1\u0161 Reitermann.<\/p>\n<p>M\u011bn\u00ed se tak\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u00fajmy zp\u016fsoben\u00e9 v\u00a0b\u011b\u017en\u00e9m ob\u010dansk\u00e9m \u017eivot\u011b, tzv. pojistka na blbost. Nov\u011b Kooperativa nab\u00edz\u00ed limit pln\u011bn\u00ed a\u017e do v\u00fd\u0161e 50 milion\u016f K\u010d a \u00fazemn\u00ed platnost poji\u0161t\u011bn\u00ed unik\u00e1tn\u011b roz\u0161\u00ed\u0159ila na <strong>cel\u00fd sv\u011bt<\/strong>, d\u0159\u00edve toto poji\u0161t\u011bn\u00ed platilo jen pro Evropu.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Poji\u0161t\u011bn\u00ed majetku od Kooperativy podporuje ekologick\u00e9 investice.\u00a0V\u00fdznamnou novinkou v nab\u00eddce Kooperativy je tzv. Ekologick\u00fd benefit.\u00a0<\/p>\n<\/div>","protected":false},"author":2,"featured_media":1044,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-1043","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojistovny"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1043","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1043"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1043\/revisions"}],"predecessor-version":[{"id":1045,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1043\/revisions\/1045"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/1044"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1043"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1043"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1043"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}