{"id":1357,"date":"2022-07-20T08:43:51","date_gmt":"2022-07-20T06:43:51","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=1357"},"modified":"2025-03-24T13:17:36","modified_gmt":"2025-03-24T12:17:36","slug":"7-rad-o-poisteni-hypoteky-ochrante-seba-aj-svoju-rodinu","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/7-rad-o-poisteni-hypoteky-ochrante-seba-aj-svoju-rodinu\/","title":{"rendered":"Ako funguje poistenie hypot\u00e9ky: 7 r\u00e1d, ako z neho vy\u0165a\u017ei\u0165 maximum"},"content":{"rendered":"\n<p><b>\u017div<\/b><strong><b>otn\u00e9 poistenie je va\u0161a finan\u010dn\u00e1 istota v pr\u00edpade neo\u010dak\u00e1van\u00fdch \u017eivotn\u00fdch udalo<\/b>st\u00ed. Ak\u00fa rolu zohr\u00e1va pri hypot\u00e9ke a ako si \u00faver<b> poist<\/b><\/strong><b>i\u0165 tak, aby ste s<\/b><strong><b>eba a svoju rodinu chr\u00e1nili dostato\u010dne?<\/b> M\u00e1me pre v\u00e1s sedem praktick\u00fdch r\u00e1d, ktor\u00e9 sa oplat\u00ed pre\u010d\u00edta\u0165. <\/strong><\/p>\n\n\n\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Ako funguje poistenie hypot\u00e9ky<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u010co je poistenie nehnute\u013enosti, poistenie \u00faveru cez banku a cez \u017eivotn\u00e9 poistenie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Pre\u010do sa vlastne oplat\u00ed ma\u0165 poistenie hypot\u00e9ky a v ak\u00fdch situ\u00e1ci\u00e1ch v\u00e1m pom\u00f4\u017ee<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ak\u00e9 je ide\u00e1lne krytie a ako si nastavi\u0165 poistenie, ak spl\u00e1cate hypot\u00e9ku dvaja<\/span><\/li>\n\n\n\n<li>\u010co robi\u0165, ak u\u017e plat\u00edte star\u0161iu poistku a pre\u010do si ju necha\u0165 <a style=\"font-size: revert;\" href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\">skontrolova\u0165 odborn\u00edkom<\/a><\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Ako funguje poistenie hypot\u00e9ky<\/b><\/span><\/h2>\n\n\n\n<p>Poistenie hypot\u00e9ky by malo sp\u013a\u0148a\u0165 v\u0161etky parametre tak, aby v\u00e1m poskytlo ochranu v pr\u00edpade ne\u010dakan\u00fdch \u017eivotn\u00fdch situ\u00e1ci\u00ed. Na \u00favod si pre\u010d\u00edtajte rozdiel medzi <a href=\"https:\/\/www.fingo.sk\/blog\/na-co-sluzi-poistenie-nehnutelnosti\/\">poisten\u00edm nehnute\u013enosti,<\/a> poisten\u00edm \u00faveru cez banku a cez \u017eivotn\u00e9 poistenie.<\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Poistenie nehnute\u013enosti<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li>pri k\u00fape nehnute\u013enosti banka v\u017edy vy\u017eaduje, aby bola zalo\u017een\u00e1 nehnute\u013enos\u0165 aj poisten\u00e1 &#8211; ide teda o poistenie v\u00e1\u0161ho majetku &#8211; domu \u010di bytu<\/li>\n\n\n\n<li>tu je dobr\u00e9 poveda\u0165, \u017ee ke\u010f\u017ee ide o v\u00e1\u0161 majetok, neuzatv\u00e1rajte poistku len v rozsahu, ktor\u00fd po\u017eaduje banka, ale nastavte ju tak, aby chr\u00e1nila v\u00e1\u0161 majetok komplexne<\/li>\n\n\n\n<li>ide\u00e1lna je kombin\u00e1cia, ktor\u00e9 obsahuje poistenie nehnute\u013enosti vo\u010di \u017eiveln\u00fdm udalostiam ako je v\u00edchrica, zemetrasenie, <a href=\"https:\/\/www.fingo.sk\/blog\/mate-svoj-majetok-poisteny-proti-povodni-a-zaplavam\/\">povodne \u010di z\u00e1plavy<\/a> + poistenie zariadenia dom\u00e1cnosti + poistenie zodpovednosti za \u0161kodu spojen\u00fa s u\u017e\u00edvan\u00edm nehnute\u013enosti<\/li>\n\n\n\n<li>v\u00fdhodou komplexn\u00e9ho poistenia na jednej zmluve m\u00f4\u017eu by\u0165 aj z\u013eavy z poistn\u00e9ho<\/li>\n<\/ul>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Poistenie \u00faveru cez banku (bankopoistenie)<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li>in\u00fdmi slovami ide o poistenie schopnosti spl\u00e1ca\u0165 \u00faver<\/li>\n\n\n\n<li>hypot\u00e9ka je dlhoro\u010dn\u00fd z\u00e1v\u00e4zok aj na 20 \u010di 30 rokov, preto si ju treba poisti\u0165 pre pr\u00edpad neo\u010dak\u00e1van\u00fdch situ\u00e1ci\u00ed ako je smr\u0165, v\u00e1\u017eny \u00faraz, dlhodob\u00e1 PN-ka, z\u00e1va\u017en\u00e9 ochorenia, <a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-invalidity-vam-umozni-zit-nielen-prezivat\/\">invalidita<\/a> a podobne, ktor\u00e9 m\u00f4\u017eu sp\u00f4sobi\u0165, \u017ee \u00faver nedok\u00e1\u017eete \u010falej spl\u00e1ca\u0165<\/li>\n\n\n\n<li>banky poskytuj\u00fa k hypot\u00e9ke tzv. bankopoistenie &#8211; no jeho hlavn\u00fdm cie\u013eom je zabezpe\u010di\u0165 v prvom rade \u00faver a schopnos\u0165 vr\u00e1tenia pe\u0148az\u00ed banke<\/li>\n<\/ul>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Poistenie \u00faveru cez \u017eivotn\u00e9 poistenie<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li>najlep\u0161ie v\u00e1s ochr\u00e1ni<span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\"> \u017eivotn\u00e9 poistenie.<\/a> Na rozdiel od bankopoistenia, v ne\u010dakan\u00fdch \u017eivotn\u00fdch situ\u00e1ci\u00e1ch v\u00e1s podr\u017e\u00ed a v pr\u00edpade<\/span><span style=\"font-weight: 400;\"> poistnej udalosti <\/span>bude na va\u0161om rozhodnut\u00ed, <span style=\"font-weight: 400;\">\u010di z poistn\u00e9ho plnenia splat\u00edte zostatok \u00faveru alebo sa rozhodnete, \u017ee peniaze pou\u017eijete na in\u00e9 naliehav\u00e9 v\u00fddavky, hypot\u00e9ku si ponech\u00e1te a budete ju spl\u00e1ca\u0165 \u010falej z financi\u00ed, ktor\u00e9 v\u00e1m poskytne pois\u0165ov\u0148a<\/span><span style=\"font-weight: 400;\">.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u017eivotn\u00e9 poistenie m\u00e1 ka\u017ed\u00fd \u010dlovek, ktor\u00fd sa spr\u00e1va <\/span>zodpovedne vo\u010di <span style=\"font-weight: 400;\">sebe aj svojej rodine. Tak ako je pri financovan\u00ed b\u00fdvania d\u00f4le\u017eit\u00e1 hypot\u00e9ka alebo na zabezpe\u010denie det\u00ed d\u00f4le\u017eit\u00e9<a href=\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-ochranite-vase-peniaze-pred-inflaciou\/\"> investovanie<\/a>, rovnako d\u00f4le\u017eit\u00e1 je aj poistn\u00e1 ochrana n\u00e1\u0161ho majetku aj \u017eivota.<\/span><\/li>\n\n\n\n<li>\u017eivotn\u00e9 poistenie <span style=\"font-weight: 400;\">je variabiln\u00e9 a ako si pop\u00ed\u0161eme aj na pr\u00edkladoch ni\u017e\u0161ie, ochr\u00e1ni v\u00e1s pri d\u00f4le\u017eit\u00fdch situ\u00e1ci\u00e1ch, ktor\u00e9 v\u00e1m m\u00f4\u017eu sp\u00f4sobi\u0165 finan\u010dn\u00e9 probl\u00e9my nielen pri spl\u00e1can\u00ed hypot\u00e9ky.&nbsp;&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=zivot_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/09\/Fingo.sk-zivotne-poistenie-kalkulacka.gif\" alt=\"Fingo.sk \u017eivotn\u00e9 poistenie kalkula\u010dka\" class=\"wp-image-6529\"\/><\/a><\/figure>\n\n\n\n<h2><strong><span style=\"color: #ec8124;\">Pre\u010do sa oplat\u00ed ma\u0165 poistenie hypot\u00e9ky<\/span><\/strong><\/h2>\n\n\n\n<p>\u017divotn\u00e9 poistenie je zvl\u00e1\u0161\u0165 d\u00f4le\u017eit\u00e9 pre \u013eud\u00ed, ktor\u00ed si ber\u00fa <a href=\"https:\/\/www.fingo.sk\/hypotekarna-kalkulacka\/kupa\">hypot\u00e9ku<\/a> alebo maj\u00fa ak\u00fdko\u013evek in\u00fd finan\u010dn\u00fd z\u00e1v\u00e4zok. Chr\u00e1ni n\u00e1s pri ne\u010dakan\u00fdch udalostiach, ktor\u00e9 prin\u00e1\u0161a \u017eivot a m\u00f4\u017ee \u00eds\u0165 o \u00farazy, choroby, v najhor\u0161om pr\u00edpade aj \u00famrtie. Dok\u00e1\u017ee n\u00e1m vykry\u0165 finan\u010dn\u00fa stratu sp\u00f4soben\u00fa n\u00e1hlym zhor\u0161en\u00edm zdravotn\u00e9ho stavu, ktor\u00e9 m\u00f4\u017ee vies\u0165 k poklesu pr\u00edjmu a neschopnosti spl\u00e1ca\u0165 na\u0161e z\u00e1v\u00e4zky.<\/p>\n\n\n\n<p>Poistenie hypot\u00e9ky n\u00e1m teda sl\u00fa\u017ei ako ochrann\u00fd vank\u00fa\u0161. Samozrejme, ide\u00e1lne je, ak sa n\u00e1m ni\u010d v\u00e1\u017ene nestane a poistenie re\u00e1lne nevyu\u017eijeme, ale v\u010faka tomu \u017ee ho m\u00e1me, m\u00f4\u017eeme pokojne sp\u00e1va\u0165. A m\u00f4\u017eeme si by\u0165 ist\u00ed, \u017ee v pr\u00edpade ne\u010dakan\u00fdch udalost\u00ed dok\u00e1\u017eeme seba a svoju rodinu finan\u010dne ochr\u00e1ni\u0165.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-size: revert; color: initial;\">Keby ste sa v\u0161ak spoliehali len na poistenie v banke, m\u00f4\u017eete to nesk\u00f4r o\u013eutova\u0165.<\/span><\/p>\n<\/blockquote>\n\n\n\n<p>Stret\u00e1vame sa s pr\u00edpadmi, kedy banka pred poisten\u00edm s klientom nevyplnila zdravotn\u00fd dotazn\u00edk. N\u00e1sledne pois\u0165ov\u0148a nevyplatila poistn\u00e9 plnenie v spojitosti s probl\u00e9mom, ktor\u00fd u\u017e pri uzatv\u00e1ran\u00ed poistenia mal vo svojej zdravotnej karte diagnostikovan\u00fd. V takom pr\u00edpade klient platil poistenie \u00faplne zbyto\u010dne.<\/p>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">TIP:<\/span> <\/strong>Chcete vedie\u0165, ak\u00e9 benefity prin\u00e1\u0161a \u017eivotn\u00e9 poistenie, pre\u010do ho netreba podce\u0148ova\u0165 a hlavne a ako si ho vybra\u0165? \u010eal\u0161ie praktick\u00e9 rady n\u00e1jdete aj v na\u0161om \u010dl\u00e1nku <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vybrat-zivotne-poistenie-a-co-ma-obsahovat\/\">Ako si vybra\u0165 \u017eivotn\u00e9 poistenie a \u010do m\u00e1 obsahova\u0165<\/a>.<\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2><strong><span style=\"color: #ec8124;\">Ide\u00e1lne poistn\u00e9 krytie<\/span><\/strong><\/h2>\n\n\n\n<p>Ako sme spomenuli vy\u0161\u0161ie, bankopoistenie m\u00e1 viacero obmedzen\u00ed. Je naviazan\u00e9 len na hypot\u00e9ku a obsahuje predvolen\u00e9 bal\u00edky krytia \u2013 smr\u0165, invalidita, PN, strata zamestnania, ktor\u00e9 v\u00e1s nemusia kry\u0165 dostato\u010dne. Preto odpor\u00fa\u010dam samostatn\u00e9 poistenie cez <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie\">rizikov\u00e9 \u017eivotn\u00e9 poistenie<\/a>, ktor\u00e9 je ove\u013ea flexibilnej\u0161ie. M\u00f4\u017eete si ho nastavi\u0165 pod\u013ea va\u0161ich potrieb aj v z\u00e1vislosti od v\u00e1\u0161ho zdravotn\u00e9ho stavu, rizikovosti povolania, pod\u013ea toho, \u010di m\u00e1te deti a podobne.<\/p>\n\n\n\n<p>V prvom rade by ste mali by\u0165 kryt\u00ed na <span style=\"color: #ec8124;\">ve\u013ek\u00e9 rizik\u00e1,<\/span> ktor\u00e9 v\u00fdrazne m\u00f4\u017eu ovplyvni\u0165 kvalitu v\u00e1\u0161ho \u017eivota, a to s\u00fa:<\/p>\n\n\n\n<ul>\n<li>invalidita<\/li>\n\n\n\n<li>kritick\u00e9 choroby<\/li>\n\n\n\n<li>trval\u00e9 n\u00e1sledky \u00farazu<\/li>\n\n\n\n<li>dlhodob\u00e1 PN<\/li>\n\n\n\n<li>v neposlednom rade aj smr\u0165<\/li>\n<\/ul>\n\n\n\n<p>Klienti si \u010dasto myslia, \u017ee riziko smrti je pri \u017eivotnom poisten\u00ed najd\u00f4le\u017eitej\u0161ie. No nie je to tak. Ako pr\u00edklad m\u00f4\u017eeme uvies\u0165 invaliditu alebo trval\u00e9 n\u00e1sledky \u00farazu. Ak \u010dlovek po v\u00e1\u017enom \u00faraze napr\u00edklad ochrnie, d\u00f4jde k strate hybnosti kon\u010dat\u00edn alebo k amput\u00e1cii, m\u00f4\u017ee osta\u0165 plne invalidn\u00fd alebo prip\u00fatan\u00fd na l\u00f4\u017eko. Nedok\u00e1\u017ee plnohodnotne vykon\u00e1va\u0165 svoje doteraj\u0161ie povolanie, \u010di\u017ee sa zn\u00ed\u017eia jeho pr\u00edjmy, ale v\u00fddavky v podobe spl\u00e1cania hypot\u00e9ky ostan\u00fa rovnak\u00e9 ako ke\u010f bol zdrav\u00fd. Je odk\u00e1zan\u00fd na pomoc druh\u00fdch a v tejto \u0165a\u017ekej \u017eivotnej situ\u00e1cii mu m\u00f4\u017ee pom\u00f4c\u0165 pr\u00e1ve kvalitn\u00e9 \u017eivotn\u00e9 poistenie. Preto je d\u00f4le\u017eit\u00e9 ma\u0165 poisten\u00e9 okrem smrti aj in\u00e9 ve\u013ek\u00e9 rizik\u00e1.<\/p>\n\n\n\n<p><span style=\"color: #ec8124;\">Mal\u00e9 rizik\u00e1<\/span> v\u00e1m kvalitu \u017eivota neovplyvnia tak v\u00fdrazne. V \u017eivotnom poisten\u00ed ich tie\u017e odpor\u00fa\u010dame, ale nesm\u00fa by\u0165 na \u00fakor ve\u013ek\u00fdch riz\u00edk. Medzi mal\u00e9 rizik\u00e1 patria:<\/p>\n\n\n\n<ul>\n<li>denn\u00e9 od\u0161kodn\u00e9 za dobu nevyhnutn\u00e9ho lie\u010denia<\/li>\n\n\n\n<li>hospitaliz\u00e1cia<\/li>\n\n\n\n<li>chirurgick\u00fd z\u00e1krok<\/li>\n\n\n\n<li>pop\u00e1leniny a zlomeniny<\/li>\n\n\n\n<li>kr\u00e1tkodob\u00e1 PN a \u010fal\u0161ie<\/li>\n<\/ul>\n\n\n\n<p>Stratu pr\u00e1ce, ktor\u00fa b\u00fdva s\u00fa\u010das\u0165ou pon\u00fak bankopoistenia, klientom ur\u010dite neodpor\u00fa\u010dam pripois\u0165ova\u0165 si. N\u00e1zov poistenia znie l\u00e1kavo, ale klientovi plnenie vyplatia iba v pr\u00edpadoch organiza\u010dn\u00fdch zmien firmy, ru\u0161enia alebo s\u0165ahovania firmy \u2013 teda nie v \u0161tandardn\u00fdch pr\u00edpadoch straty pr\u00e1ce ako je ukon\u010denie pracovn\u00e9ho vz\u0165ahu, v\u00fdpove\u010f, odchod zo zamestnania \u010di zmena zamestnania. Klient by musel by\u0165 nezamestnan\u00fd dlh\u0161ie ako 90 dn\u00ed a mus\u00ed by\u0165 zaregistrovan\u00fd na \u00farade pr\u00e1ce.<\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>1. Finan\u010dn\u00fd sprostredkovate\u013e v\u00e1m u\u0161ije poistenie na mieru&nbsp;<\/b><\/span><\/h3>\n\n\n\n<p>Ke\u010f\u017ee na trhu existuje viacero pois\u0165ovn\u00ed, s&nbsp;r\u00f4znymi ponukami a&nbsp;podmienkami, ide\u00e1lne je uzatvori\u0165 si poistenie k&nbsp;hypot\u00e9ke <a href=\"https:\/\/www.fingo.sk\/kontakty\">cez finan\u010dn\u00e9ho sprostredkovate\u013ea.<\/a> Ten s vami na rozdiel od b\u00e1nk urob\u00ed anal\u00fdzu va\u0161ich aktu\u00e1lnych potrieb. Na z\u00e1klade zisten\u00fdch inform\u00e1ci\u00ed nastav\u00ed va\u0161e poistenie tak, aby aj v pr\u00edpade v\u00e1\u017eneho \u00farazu alebo choroby boli financie, ktor\u00e9 dostanete od pois\u0165ovne, posta\u010duj\u00face. V hre je toti\u017e aj jeho dobr\u00e9 meno.<\/p>\n\n\n\n<p>Dobr\u00fd sprostredkovate\u013e je pravidelne \u0161kolen\u00fd a pozn\u00e1 v\u0161etky mo\u017enosti na poistnom trhu. Vyberie v\u00e1m vhodn\u00e9 pripoistenia a&nbsp;nastav\u00ed poistn\u00e9 sumy tak ako potrebujete. Jednoducho povedan\u00e9, poistenie v\u00e1m u\u0161ije na mieru, aby v\u00e1m naozaj pomohlo ke\u010f to budete potrebova\u0165. Obr\u00e1\u0165te sa na na\u0161ich FinGO.sk finan\u010dn\u00fdch sprostredkovate\u013eov, ktor\u00fdch n\u00e1jdete na celom Slovensku.<\/p>\n\n\n\n<p>M\u00f4\u017eete sa s&nbsp;nami spoji\u0165 aj telefonicky na \u010d\u00edsle&nbsp;<a href=\"tel:0800601060\"><span style=\"color: #ec8124;\">0800 60 10 60<\/span><\/a>&nbsp;alebo n\u00e1m <a href=\"https:\/\/www.fingo.sk\/kontakty\">zanechajte<\/a> va\u0161e \u00fadaje a my sa v\u00e1m ozveme.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"1669\" height=\"1197\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/pripoistenie-PN.jpg\" alt=\"\u017eivotn\u00e9 poistenie\" class=\"wp-image-2172\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/pripoistenie-PN.jpg 1669w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/pripoistenie-PN-300x215.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/pripoistenie-PN-768x551.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/pripoistenie-PN-1024x734.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/03\/pripoistenie-PN-1080x775.jpg 1080w\" sizes=\"(max-width: 1669px) 100vw, 1669px\" \/><\/figure><\/div>\n\n\n<h3><span style=\"color: #ec8124;\"><b>2. O peniazoch rozhodujte vy a va\u0161i bl\u00edzki<\/b><\/span><\/h3>\n\n\n\n<p>Podstatn\u00fd rozdiel medzi bankopoisten\u00edm a poisten\u00edm hypot\u00e9ky cez pois\u0165ov\u0148u je aj v poistnom&nbsp;plnen\u00ed. Pri bankopoisten\u00ed si v pr\u00edpade smrti klienta banka vr\u00e1ti peniaze a t\u00fdm to kon\u010d\u00ed. Poistn\u00e1 suma b\u00fdva zvy\u010dajne len do v\u00fd\u0161ky zostatku \u00faveru, a tak pozostal\u00fdm nezostane n\u00e1rok na poistn\u00e9 plnenie.<\/p>\n\n\n\n<p>Ke\u010f sa ale poist\u00edte v pois\u0165ovni, v pr\u00edpade smrti je poistn\u00e9 plnenie pouk\u00e1zan\u00e9 na \u00fa\u010det opr\u00e1vnen\u00fdch os\u00f4b, ktor\u00e9 si sami vopred ur\u010d\u00edte, a potom je u\u017e na nich, \u010do s peniazmi urobia. Ve\u013eakr\u00e1t si \u00faver ponechaj\u00fa, spl\u00e1caj\u00fa ho \u010falej a peniaze z poistky pou\u017eij\u00fa na v\u00fddavky spojen\u00e9 s \u00famrt\u00edm a tie\u017e na finan\u010dn\u00fa rezervu. Mimochodom, tento proces je aj ove\u013ea krat\u0161\u00ed v porovnan\u00ed s dedi\u010dsk\u00fdm konan\u00edm, \u010dastokr\u00e1t s\u00fa peniaze pouk\u00e1zan\u00e9 na \u00fa\u010det opr\u00e1vnen\u00fdch os\u00f4b do dvoch \u010di troch dn\u00ed.<\/p>\n\n\n\n<p>Ako sme u\u017e pop\u00edsali vy\u0161\u0161ie, poistenie by v\u0161ak malo zah\u0155\u0148a\u0165 aj in\u00e9 rizik\u00e1, ktor\u00e9 v\u00e1s dok\u00e1\u017eu obmedzi\u0165 v schopnosti spl\u00e1ca\u0165 svoj \u00faver, ako napr\u00edklad riziko trval\u00fdch n\u00e1sledkov, invalidity alebo <a href=\"https:\/\/www.fingo.sk\/blog\/kriticke-choroby-su-druhou-najcastejsou-pricinou-smrti\/\">kritick\u00e9 choroby<\/a>. Aj v pr\u00edpade t\u00fdchto poistn\u00fdch udalost\u00ed klient potrebuje okam\u017eite peniaze na to, aby si dok\u00e1zal zabezpe\u010di\u0165 v\u0161etko \u010do potrebuje.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Ide napr\u00edklad o vysok\u00e9 doplatky za lieky, vy\u0161etrenia alebo o prer\u00e1bky domovov na bezbari\u00e9rov\u00e9. Tu ale hovor\u00edme o rizik\u00e1ch, ktor\u00e9 kryj\u00fa dlhodob\u00fd v\u00fdpadok pr\u00edjmu. M\u00f4\u017eu sa sta\u0165 aj situ\u00e1cie, ktor\u00e9 s\u00fa menej v\u00e1\u017ene, no takisto v\u00e1m m\u00f4\u017eu pri\u0165a\u017ei\u0165. Aj kr\u00e1tkodob\u00e1 PN-ka, pobyt v nemocnici alebo zlomen\u00e1 ruka m\u00f4\u017eu v\u00fdrazne ovplyvni\u0165 pr\u00edjem klientov. Pre tak\u00e9to pr\u00edpady pois\u0165ovne pam\u00e4taj\u00fa na rizik\u00e1 kryj\u00face kr\u00e1tkodob\u00fd v\u00fdpadok pr\u00edjmu.<\/p>\n<\/blockquote>\n\n\n\n<h3><strong><span style=\"color: #ec8124;\">3. Ako si nastavi\u0165 poistn\u00e9 sumy a \u010do ak ste v \u00favere dvaja<\/span><\/strong><\/h3>\n\n\n\n<p><span style=\"color: #ec8124;\">Poistn\u00e9 sumy sa odv\u00edjaj\u00fa od dvoch zlo\u017eiek &#8211; od v\u00fd\u0161ky va\u0161ich \u00faverov a od v\u00e1\u0161ho pr\u00edjmu. Predstavme si, \u017ee m\u00e1te hypot\u00e9ku vo v\u00fd\u0161ke 100 000 eur.&nbsp;<\/span><\/p>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">AK SI BERIETE HYPOT\u00c9KU SAMI<\/span><\/strong><\/p>\n\n\n\n<p>Klientovi so 100-tis\u00edcovou hypot\u00e9kou by som nastavil pripoistenie smrti s klesaj\u00facou poistnou sumou na sumu 110.000 eur alebo hypopoistenie (v niektor\u00fdch pois\u0165ovniach bal\u00ed\u010dek tzv. prv\u00e9ho rizika) rovnako na 110.000 eur. Hypopoistenie v sebe obsahuje poistenie s klesaj\u00facou poistnou sumou na rizik\u00e1 smrti, \u010diasto\u010dnej alebo plnej invalidity a kritick\u00fdch chor\u00f4b. Z tej poistnej udalosti, ktor\u00e1 nastane sk\u00f4r, pois\u0165ov\u0148a vyplat\u00ed poistn\u00e9 plnenie a toto pripoistenie potom zanik\u00e1.<\/p>\n\n\n\n<p>Netreba zabudn\u00fa\u0165 ani na nastavenie samostatn\u00fdch riz\u00edk ako trval\u00e9 n\u00e1sledky \u00farazu, kritick\u00e9 choroby, dlhodob\u00e1 PN a \u010fal\u0161ie, ktor\u00e9 sa bud\u00fa viaza\u0165 na v\u00e1\u0161 pr\u00edjem.<\/p>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">TIP:<\/span><\/strong> Pre\u010do 110 000 \u20ac? Poistn\u00fa sumu 110 000 eur vyr\u00e1tame ako 110 % z v\u00fd\u0161ky \u00faverov\u00e9ho za\u0165a\u017eenia klienta vzh\u013eadom na to, \u017ee v prv\u00fdch rokoch hypot\u00e9ky klient spl\u00e1ca vy\u0161\u0161iu \u010das\u0165 \u00farokov a t\u00fdm p\u00e1dom mu istina nekles\u00e1 line\u00e1rne. Zjednodu\u0161ene povedan\u00e9, ak ste si zobrali hypot\u00e9ku napr\u00edklad na 30 rokov, neznamen\u00e1 to, \u017ee v 15. roku bude v\u00e1\u0161 nesplaten\u00fd dlh 50-tis\u00edc, ale bude vy\u0161\u0161\u00ed (cca 53 &#8211; 57-tis\u00edc eur v z\u00e1vislosti od v\u00fd\u0161ky va\u0161ej \u00farokovej sadzby).<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>V prv\u00fdch rokoch toti\u017e na \u00favere spl\u00e1cate v\u00e4\u010d\u0161iu \u010das\u0165 \u00farokov, a a\u017e potom istinu, \u010di\u017ee v\u00e1\u0161 dlh.<\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>AK SI BERIETE HYPOT\u00c9KU S PARTNEROM<\/b><\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">V pr\u00edpade man\u017eelov alebo partnerov je ide\u00e1lne si rozdeli\u0165 rizik\u00e1 pod\u013ea pomeru pr\u00edjmu&nbsp; v rodine. V\u017edy by mal by\u0165 v\u00e4\u010d\u0161\u00edm pomerom kryt\u00fd ten v p\u00e1re, ktor\u00fd je z v\u00e4\u010d\u0161ej \u010dasti \u017eivite\u013eom rodiny. Strata jeho pr\u00edjmu by toti\u017e viac mohla ohrozi\u0165 \u010fal\u0161ie spl\u00e1canie \u00faveru. Ak ste napr\u00edklad v p\u00e1re z poh\u013eadu pr\u00edjmov pomerovo 70:30 v prospech mu\u017ea, tak poistenie hypot\u00e9ky, by v tom pr\u00edpade bolo rozdelen\u00e9 na sumu 77 000 eur u mu\u017ea a 33 000 eur u \u017eeny. Ak v\u0161ak zar\u00e1bate rovnako, tak m\u00f4\u017ee by\u0165 krytie rozdelen\u00e9 rovnako &#8211; na sumu 55 000 eur u mu\u017ea aj u \u017eeny.<\/span><\/p>\n\n\n\n<p>Rovnak\u00fd k\u013eu\u010d ur\u010dovania poistn\u00fdch s\u00fam plat\u00ed aj pri \u010fal\u0161\u00edch pripoisteniach, ke\u010f\u017ee netreba zabudn\u00fa\u0165 ani na zabezpe\u010denie \u0161tandardn\u00e9ho poistn\u00e9ho krytia mimo hypotek\u00e1rneho \u00faveru.<\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>4. Trendom s\u00fa pripoistenia, s ktor\u00fdmi u\u0161etr\u00edte<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Mo\u017eno ste po\u010duli, \u017ee bankopoistenie je lacnej\u0161ie. Cenovo v\u00fdhodn\u00e9 s\u00fa v\u0161ak aj pripoistenia, ktor\u00e9 v s\u00fa\u010dasnosti pois\u0165ovne pon\u00fakaj\u00fa pre \u013eud\u00ed s hypot\u00e9kou<\/span>. Ide napr\u00edklad o hypopoistenie, prv\u00e9 riziko alebo poistenie pre dvojicu os\u00f4b. Pois\u0165ov\u0148a spoj\u00ed dvojicu partnerov s hypot\u00e9kou do jednej poistky, \u010di\u017ee nemusia obaja plati\u0165 pripoistenie na riziko smrti na vysok\u00fa poistn\u00fa sumu, sta\u010d\u00ed im jedno.<\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Ak teda u\u017e m\u00e1te existuj\u00facu zmluvu \u017eivotn\u00e9ho poistenia, m\u00f4\u017eete si na nov\u0161\u00edch produktoch pripoistenia doplni\u0165, dopoisti\u0165 si hypopoistenie alebo aj spom\u00ednan\u00e9 ve\u013ek\u00e9 rizik\u00e1.<\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak je <a href=\"https:\/\/www.fingo.sk\/blog\/7-castych-chyb-pri-zivotnom-poisteni-ktore-vas-mozu-stat-vela\/\">zmluva star\u0161ieho d\u00e1tumu,<\/a> odpor\u00fa\u010dam urobi\u0165 rad\u0161ej nov\u00fa, ktor\u00e1 v\u00e1m bude vyhovova\u0165 na aktu\u00e1lne podmienky \u00faverovej za\u0165a\u017eenosti<\/span>, treba si da\u0165 ale pozor na aktu\u00e1lny zdravotn\u00fd stav klienta pred zru\u0161en\u00edm starej poistnej zmluvy. Alebo ak je star\u0161ia zmluva nastaven\u00e1 adekv\u00e1tne, ale nevieme do nej dopoisti\u0165 ve\u013ek\u00e9 rizik\u00e1 spojen\u00e9 s hypot\u00e9kou, d\u00e1 sa to urobi\u0165 aj kombin\u00e1ciou starej a novej zmluvy.<\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>5. \u010c\u00edm sk\u00f4r, t\u00fdm lep\u0161ie aj lacnej\u0161ie<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">\u010c\u00edm sk\u00f4r, t\u00fdm lacnej\u0161ie, znamen\u00e1, \u017ee <\/span>\u010d\u00edm mlad\u0161\u00ed a zdrav\u0161\u00ed do poistenia vst\u00fapite, t\u00fdm lacnej\u0161ie pre v\u00e1s bude.&nbsp;Pri ur\u010dovan\u00ed ceny poistenia toti\u017e zohr\u00e1va ve\u013ek\u00fa rolu aj zdravotn\u00fd stav klienta. S vy\u0161\u0161\u00edm vekom sa nielen zvy\u0161uje celkov\u00e9 poistn\u00e9, ale z\u00e1rove\u0148 aj riziko, \u017ee v\u00e1s pois\u0165ov\u0148a nemus\u00ed poisti\u0165 vzh\u013eadom na v\u00e1\u0161 zhor\u0161en\u00fd zdravotn\u00fd stav.<\/p>\n\n\n\n<p>Okrem ceny v\u0161ak hovor\u00edme aj o \u010dakac\u00edch dob\u00e1ch. \u010cakacia doba je \u010das medzi uzatvoren\u00edm poistenia a n\u00e1rokom na poistn\u00e9 plnenie z dan\u00fdch pripoisten\u00ed. V niektor\u00fdch pr\u00edpadoch to b\u00fdva a\u017e 12 mesiacov, \u010di\u017ee \u010d\u00edm sk\u00f4r si touto dobou prejdete, t\u00fdm sk\u00f4r m\u00e1te v pr\u00edpade potreby n\u00e1rok na poistn\u00e9 plnenie.<\/p>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">Pr\u00edklad:<\/span>&nbsp;<\/strong>Pri<a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-zenskych-kritickych-chorob-ako-pomoze-v-boji-s-rakovinou\/\"> kritick\u00fdch chorob\u00e1ch<\/a>, ktor\u00e9 klientov kryj\u00fa aj pri naj\u010dastej\u0161\u00edch srdcovo-cievnych \u010di onkologick\u00fdch ochoreniach, b\u00fdva \u010dakacia lehota v pois\u0165ovniach od 0 do 6 mesiacov.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Keby ste si riziko kritick\u00e9 choroby v zmluve poistili napr\u00edklad v j\u00fali, mohli by ste si ho uplatni\u0165 najsk\u00f4r po 2 mesiacoch od uzatvorenia zmluvy, \u010di\u017ee v septembri. Ak by sa u v\u00e1s napr\u00edklad rakovina vyskytla sk\u00f4r, pois\u0165ov\u0148a by v\u00e1m \u017eia\u013e finan\u010dne nepomohla.<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span> <span style=\"font-weight: 400;\">Nov\u00fdm trendom na poistnom trhu je zni\u017eovanie \u010dakac\u00edch d\u00f4b. To znamen\u00e1, \u017ee ak vst\u00fapite do poistenia, budete kryt\u00fd hne\u010f od za\u010diatku. <\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>6. Natiahnite si poistenie na \u010do najdlh\u0161ie obdobie&nbsp;<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Ke\u010f si budete zaklada\u0165 poistenie, neobmedzujte sa len na 15 alebo 20 rokov spl\u00e1cania hypot\u00e9ky, ale <\/span>nastavte si \u010do najdlh\u0161ie poistn\u00e9 obdobie. Uvedomte si, \u017ee keby v\u00e1m poistenie napr\u00edklad po 20 rokoch skon\u010dilo a vy sa budete chcie\u0165 op\u00e4\u0165 poisti\u0165, budete star\u0161\u00ed. Takisto u\u017e m\u00f4\u017eete trpie\u0165 nejak\u00fdmi chorobami, budete teda pre pois\u0165ov\u0148u rizikovej\u0161\u00ed. Zhor\u0161en\u00fd zdravotn\u00fd stav m\u00e1 za n\u00e1sledok, \u017ee pripoistenia bud\u00fa pre v\u00e1s drah\u0161ie ako pre zdrav\u00e9ho \u010dloveka.&nbsp;Odpor\u00fa\u010dame teda natiahnu\u0165 si dobu poistenia na \u010do najdlh\u0161ie obdobie.<\/p>\n\n\n\n<p>V pr\u00edpade, \u017ee sa va\u0161a \u017eivotn\u00e1 situ\u00e1cia zmen\u00ed, splat\u00edte hypot\u00e9ku, a u\u017e nepotrebujete tak\u00e9 vysok\u00e9 krytie, poistenie si m\u00f4\u017eete kedyko\u013evek prisp\u00f4sobi\u0165 tak, aby op\u00e4\u0165 sp\u013a\u0148alo va\u0161e aktu\u00e1lne potreby. Preto predt\u00fdm ako ho zru\u0161\u00edte, pouva\u017eujte sk\u00f4r nad t\u00fdm, ako sa <a href=\"https:\/\/www.fingo.sk\/blog\/zivotne-poistenie-ma-kopirovat-kazdu-zivotnu-zmenu\/\">d\u00e1 upravi\u0165<\/a>. Aj s t\u00fdmto v\u00e1m ur\u010dite pom\u00f4\u017ee v\u00e1\u0161 finan\u010dn\u00fd sprostredkovate\u013e.<\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Ako sme uviedli aj v pr\u00edklade vy\u0161\u0161ie, pre \u013eud\u00ed s hypot\u00e9kou je z\u00e1rove\u0148 vhodn\u00e9 poistenie s klesaj\u00facou poistnou sumou na ve\u013ek\u00e9 rizik\u00e1, resp. bal\u00ed\u010dky. Platia tak kon\u0161tantn\u00fa sumu rozr\u00e1tan\u00fa pod\u013ea d\u013a\u017eky spl\u00e1cania hypot\u00e9ky, tak\u017ee v\u00fd\u0161ka poistenia pribli\u017ene kop\u00edruje v\u00fd\u0161ku dlhu v \u010dase.<\/p>\n\n\n\n<p>Poistenie s klesaj\u00facou poistnou sumou je ove\u013ea lacnej\u0161ie a efekt\u00edvnej\u0161ie rie\u0161enie ako ma\u0165 kon\u0161tantne nastaven\u00e9 sumy na v\u00fd\u0161ku hypot\u00e9ky, ktor\u00e1 aj tak kles\u00e1 v \u010dase<span style=\"font-weight: 400;\">. Na druhej strane \u013eu\u010fom s dostato\u010dn\u00fdmi finan\u010dn\u00fdmi rezervami \u010di majetkom, ktor\u00fd vedia v pr\u00edpade potreby pou\u017ei\u0165 na splatenie hypot\u00e9ky jednorazovo, sa t\u00e1to mo\u017enos\u0165 a\u017e tak neoplat\u00ed.&nbsp;<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>7. Star\u0161iu zmluvu niekedy sta\u010d\u00ed len prisp\u00f4sobi\u0165<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak u\u017e poistku m\u00e1te uzatvoren\u00fa, je to perfektn\u00e9. \u017divotn\u00e9 poistenie patr\u00ed k&nbsp;flexibiln\u00fdm produktom a d\u00e1 sa prisp\u00f4sobova\u0165 va\u0161im potreb\u00e1m po\u010das celej doby poistenia. Aj v&nbsp;tomto pr\u00edpade v\u00e1m finan\u010dn\u00fd sprostredkovate\u013e zo spolo\u010dnosti FinGO.sk porad\u00ed, ako svoju <\/span>star\u00fa \u017eivotn\u00fa poistku<a href=\"https:\/\/www.fingo.sk\/blog\/ako-vas-kryje-vase-zivotne-poistenie\/\"> skontrolova\u0165<\/a> a prisp\u00f4sobi\u0165 tak, aby na 100 percent sp\u013a\u0148ala va\u0161e potreby.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Pripoistenia ako aj poistn\u00e9 sumy sa daj\u00fa upravova\u0165 po cel\u00fa dobu poistenia, preto nie je v\u017edy vhodn\u00e9 hne\u010f star\u00fa poistku zru\u0161i\u0165.<\/p>\n<\/blockquote>\n\n\n\n<p>Tak r\u00fdchlo ako sa men\u00ed situ\u00e1cia na finan\u010dnom trhu, menia sa aj pripoistenia a podmienky pois\u0165ovn\u00ed. Tie sa sna\u017eia dr\u017ea\u0165 krok s dobou, inovuj\u00fa star\u00e9 a prin\u00e1\u0161aj\u00fa nov\u00e9 druhy pripoisten\u00ed. Na\u0161i FinGO finan\u010dn\u00ed sprostredkovatelia tieto zmeny neust\u00e1le sleduj\u00fa, a&nbsp;tak v\u00e1m dok\u00e1\u017eu aj v&nbsp;oblasti \u017eivotn\u00e9ho poistenia poradi\u0165 najlep\u0161ie.<\/p>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">TIP: <\/span><\/strong>\u010ci u\u017e m\u00e1te<a href=\"https:\/\/www.fingo.sk\/zastarale-zmluvy\"> star\u0161ie \u017eivotn\u00e9 poistenie<\/a>, alebo si kv\u00f4li hypot\u00e9ke chcete uzatvori\u0165 nov\u00e9, budeme radi, ak sa na n\u00e1s kedyko\u013evek obr\u00e1tite.<\/p>\n\n\n\n<p>Zavolajte n\u00e1m na <a href=\"tel:0800601060\"><span style=\"color: #ec8124;\">0800 60 10 60<\/span><\/a> alebo n\u00e1m zanechajte kontaktn\u00e9 \u00fadaje a na\u0161e call centrum v\u00e1s spoj\u00ed so sk\u00fasen\u00fdm makl\u00e9rom vo va\u0161om okol\u00ed.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_life_insurance\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=life_insurance\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<script>\n\n    (function(){\n\n        window.addEventListener('message', function(e) {\n\n          if (e.data.height) {\n\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n\n          };\n\n        }, false);\n\n    })();\n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>\u017divotn\u00e9 poistenie je va\u0161a finan\u010dn\u00e1 istota v pr\u00edpade neo\u010dak\u00e1van\u00fdch \u017eivotn\u00fdch udalost\u00ed. Ak\u00fa rolu zohr\u00e1va pri hypot\u00e9ke a ako si \u00faver poisti\u0165 tak, aby ste seba a svoju rodinu chr\u00e1nili dostato\u010dne? M\u00e1me pre v\u00e1s sedem praktick\u00fdch r\u00e1d, ktor\u00e9 sa oplat\u00ed pre\u010d\u00edta\u0165. V \u010dl\u00e1nku sa do\u010d\u00edtate: Ako funguje poistenie hypot\u00e9ky Poistenie hypot\u00e9ky by malo sp\u013a\u0148a\u0165 v\u0161etky parametre tak, aby v\u00e1m poskytlo ochranu v pr\u00edpade ne\u010dakan\u00fdch \u017eivotn\u00fdch situ\u00e1ci\u00ed. Na \u00favod si pre\u010d\u00edtajte rozdiel medzi poisten\u00edm nehnute\u013enosti, poisten\u00edm \u00faveru cez banku a cez \u017eivotn\u00e9 poistenie. Poistenie nehnute\u013enosti Poistenie \u00faveru cez banku (bankopoistenie) Poistenie \u00faveru cez \u017eivotn\u00e9 poistenie Pre\u010do sa oplat\u00ed ma\u0165 poistenie hypot\u00e9ky \u017divotn\u00e9 poistenie je zvl\u00e1\u0161\u0165 d\u00f4le\u017eit\u00e9 pre \u013eud\u00ed, ktor\u00ed si ber\u00fa hypot\u00e9ku alebo maj\u00fa ak\u00fdko\u013evek in\u00fd finan\u010dn\u00fd z\u00e1v\u00e4zok. Chr\u00e1ni n\u00e1s pri ne\u010dakan\u00fdch udalostiach, ktor\u00e9 prin\u00e1\u0161a \u017eivot a m\u00f4\u017ee \u00eds\u0165 o \u00farazy, choroby, v najhor\u0161om pr\u00edpade aj \u00famrtie. Dok\u00e1\u017ee n\u00e1m vykry\u0165 finan\u010dn\u00fa stratu sp\u00f4soben\u00fa n\u00e1hlym zhor\u0161en\u00edm zdravotn\u00e9ho stavu, ktor\u00e9 m\u00f4\u017ee vies\u0165 k poklesu pr\u00edjmu a neschopnosti spl\u00e1ca\u0165 na\u0161e z\u00e1v\u00e4zky. Poistenie hypot\u00e9ky n\u00e1m teda sl\u00fa\u017ei ako ochrann\u00fd vank\u00fa\u0161. Samozrejme, ide\u00e1lne je, ak sa n\u00e1m ni\u010d v\u00e1\u017ene nestane a poistenie re\u00e1lne nevyu\u017eijeme, ale v\u010faka tomu \u017ee ho m\u00e1me, m\u00f4\u017eeme pokojne sp\u00e1va\u0165. A m\u00f4\u017eeme si by\u0165 ist\u00ed, \u017ee v pr\u00edpade ne\u010dakan\u00fdch udalost\u00ed dok\u00e1\u017eeme seba a svoju [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":3501,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[5,157,15],"tags":[201,36,38,89,95],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako funguje poistenie hypot\u00e9ky? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Poistenie hypot\u00e9ky je ve\u013emi d\u00f4le\u017eit\u00e9. Poistenie cez banku v\u0161ak nie je najlep\u0161\u00edm rie\u0161en\u00edm, poistite sa kvalitne cez \u017eivotn\u00e9 poistenie. 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Za\u010d\u00ednal na obchodn\u00edckych poz\u00edci\u00e1ch v sprostredkovate\u013eskom biznise. Nesk\u00f4r sa posunul na mana\u017e\u00e9rske poz\u00edcie, kde bol zodpovedn\u00fd za vedenie, vzdel\u00e1vanie a rozvoj makl\u00e9rskej siete. Jeho \u0161pecializ\u00e1ciou sa stala oblas\u0165 \u017eivotn\u00e9ho poistenia, v ktorej moment\u00e1lne p\u00f4sob\u00ed na poz\u00edcii riadite\u013ea pre finan\u010dno-sprostredkovate\u013esk\u00fa spolo\u010dnos\u0165 FinGO.sk. Vo vo\u013enom \u010dase s ob\u013eubou \u0161portuje a cestuje.","url":"https:\/\/www.fingo.sk\/blog\/author\/patrik-szabo\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/1357"}],"collection":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/users\/34"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/comments?post=1357"}],"version-history":[{"count":61,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/1357\/revisions"}],"predecessor-version":[{"id":10032,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/1357\/revisions\/10032"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media\/3501"}],"wp:attachment":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media?parent=1357"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/categories?post=1357"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/tags?post=1357"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}