{"id":3771,"date":"2021-04-01T11:33:40","date_gmt":"2021-04-01T09:33:40","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3771"},"modified":"2021-07-15T11:42:02","modified_gmt":"2021-07-15T09:42:02","slug":"co-je-bankopoistenie","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/co-je-bankopoistenie\/","title":{"rendered":"\u010co je bankopoistenie?"},"content":{"rendered":"<p><strong>Bankopoistenie alebo jednoducho poistenie spl\u00e1cania \u00faveru, je forma zabezpe\u010denia \u00faveru v banke, ktor\u00e1 ho poskytla. <\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Na rozdiel od <a href=\"https:\/\/www.fingo.sk\/blog\/7-rad-o-poisteni-hypoteky-ochrante-seba-aj-svoju-rodinu\/\">\u017eivotn\u00e9ho poistenia<\/a> je v\u0161ak v pr\u00edpade poistnej udalosti (napr. smr\u0165, invalidita alebo pr\u00e1ceneschopnos\u0165), plnenie z poistenia poskytnut\u00e9 bu\u010f <strong>priamo banke<\/strong> na splatenie cel\u00e9ho \u010di \u010dasti \u00faveru alebo sa z poistenia ur\u010dit\u00fa dobu uhr\u00e1dza spl\u00e1tka hypot\u00e9ky.<\/span><\/p>\n<blockquote><p>In\u00fdmi slovami, bankopoistenie prioritne chr\u00e1ni poh\u013ead\u00e1vky banky.<\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Ak m\u00e1te <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vybrat-zivotne-poistenie-a-co-ma-obsahovat\/\">samostatn\u00fa poistku<\/a> uzavret\u00fa mimo zmluvy o hypot\u00e9ke, v pr\u00edpade poistnej udalosti sa <strong>rozhodujete vy sami<\/strong>\u00a0(alebo vami opr\u00e1vnen\u00e1 osoba), ako nalo\u017e\u00edte s peniazmi z poistenia. Napr\u00edklad v pr\u00edpade smrti dl\u017en\u00edka sa opr\u00e1vnen\u00e1 osoba m\u00f4\u017ee rozhodn\u00fa\u0165, \u010di peniaze z poistky pou\u017eije na <strong>splatenie \u00faveru,<\/strong> alebo rad\u0161ej na in\u00e9 nevyhnutn\u00e9 \u00fa\u010dely a \u00faver bude <strong>\u010falej spl\u00e1ca\u0165.<\/strong><\/span><\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=zivot_gif\"><img decoding=\"async\" class=\"aligncenter wp-image-3614 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/01\/zivotne-poistenie_blog.gif\" alt=\"FIngo.sk \u017eivotn\u00e9 poistenie kalkula\u010dka\" width=\"1350\" height=\"738\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bankopoistenie alebo jednoducho poistenie spl\u00e1cania \u00faveru, je forma zabezpe\u010denia \u00faveru v banke, ktor\u00e1 ho poskytla. Na rozdiel od \u017eivotn\u00e9ho poistenia je v\u0161ak v pr\u00edpade poistnej udalosti (napr. smr\u0165, invalidita alebo pr\u00e1ceneschopnos\u0165), plnenie z poistenia poskytnut\u00e9 bu\u010f priamo banke na splatenie cel\u00e9ho \u010di \u010dasti \u00faveru alebo sa z poistenia ur\u010dit\u00fa dobu uhr\u00e1dza spl\u00e1tka hypot\u00e9ky. In\u00fdmi slovami, bankopoistenie prioritne chr\u00e1ni poh\u013ead\u00e1vky banky. Ak m\u00e1te samostatn\u00fa poistku uzavret\u00fa mimo zmluvy o hypot\u00e9ke, v pr\u00edpade poistnej udalosti sa rozhodujete vy sami\u00a0(alebo vami opr\u00e1vnen\u00e1 osoba), ako nalo\u017e\u00edte s peniazmi z poistenia. Napr\u00edklad v pr\u00edpade smrti dl\u017en\u00edka sa opr\u00e1vnen\u00e1 osoba m\u00f4\u017ee rozhodn\u00fa\u0165, \u010di peniaze z poistky pou\u017eije na splatenie \u00faveru, alebo rad\u0161ej na in\u00e9 nevyhnutn\u00e9 \u00fa\u010dely a \u00faver bude \u010falej spl\u00e1ca\u0165.<\/p>\n","protected":false},"author":7,"featured_media":3749,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,213,5,15],"tags":[205,201,215,216],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u010co je bankopoistenie? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Bankopoistenie alebo jednoducho poistenie spl\u00e1cania \u00faveru, je forma zabezpe\u010denia \u00faveru v banke, ktor\u00e1 ho poskytla.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/co-je-bankopoistenie\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u010co je bankopoistenie? 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