{"id":8111,"date":"2023-10-12T16:26:54","date_gmt":"2023-10-12T14:26:54","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=8111"},"modified":"2023-10-13T14:06:20","modified_gmt":"2023-10-13T12:06:20","slug":"po-zemetraseni-mnohym-ludom-nepreplatia-skody-v-plnej-vyske-preco-je-to-tak","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/po-zemetraseni-mnohym-ludom-nepreplatia-skody-v-plnej-vyske-preco-je-to-tak\/","title":{"rendered":"Po zemetrasen\u00ed mnoh\u00fdm \u013eu\u010fom nepreplatia \u0161kody v plnej v\u00fd\u0161ke. Pre\u010do je to tak?"},"content":{"rendered":"\n<p><strong>Zemetrasenie na v\u00fdchodnom Slovensku op\u00e4\u0165 pripomenulo, ak\u00e9 d\u00f4le\u017eit\u00e9 je <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">kvalitn\u00e9 poistenie majetku<\/a>, ktor\u00e9 si treba raz za \u010das aj aktualizova\u0165. T\u00e1to udalos\u0165 \u017eia\u013e op\u00e4\u0165 pouk\u00e1\u017ee aj na probl\u00e9m drvivej v\u00e4\u010d\u0161iny nehnute\u013enost\u00ed na Slovensku, ktor\u00e9 s\u00fa podpoisten\u00e9 a nemaj\u00fa komplexn\u00e9 poistn\u00e9 krytie. Net\u00fdka sa to len rodinn\u00fdch domov, ale aj bytoviek, firemn\u00fdch budov a takisto majetku miest a obc\u00ed.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">V \u010dl\u00e1nku sa do\u010d\u00edtate: <\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-zemetrasenie-a-poistenie-nehnute-nosti\">Kryje poistenie nehnute\u013enosti \u0161kody sp\u00f4soben\u00e9 zemetrasen\u00edm?<\/a><\/li><li class=\"\"><a href=\"#htoc-v-ina-domov-je-podpoisten-o-to-pre-v-s-znamen\">V\u00e4\u010d\u0161ina domov je podpoisten\u00e1. \u010co to pre v\u00e1s znamen\u00e1?<\/a><\/li><li class=\"\"><a href=\"#htoc-m-te-komplexn-poistenie-ak-nie-preplatia-v-m-prasknut-m-ry-ale-zni-en-n-bytok-nie\">M\u00e1te komplexn\u00e9 poistenie? Ak nie, preplatia v\u00e1m prasknut\u00e9 m\u00fary, ale zni\u010den\u00fd n\u00e1bytok nie<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 id=\"htoc-zemetrasenie-a-poistenie-nehnute-nosti\"><span style=\"color: #ec8124;\"><b><strong>Kryje poistenie nehnute\u013enosti \u0161kody sp\u00f4soben\u00e9 zemetrasen\u00edm?<\/strong><\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Zemetrasenie je v poistn\u00fdch zmluv\u00e1ch <\/span><span style=\"font-weight: 400;\">poistenia nehnute\u013enosti<\/span><span style=\"font-weight: 400;\"> definovan\u00e9 ako \u017eivel a<\/span><span style=\"font-weight: 400;\"> toto riziko je vo v\u0161etk\u00fdch pois\u0165ovniach zahrnut\u00e9 v z\u00e1kladnom kryt\u00ed poistenia. To znamen\u00e1, \u017ee v<\/span><span style=\"font-weight: 400;\">\u0161etky pois\u0165ovne kryj\u00fa \u0161kody sp\u00f4soben\u00e9 zemetrasen\u00edm, a to a\u017e do v\u00fd\u0161ky poistnej sumy.&nbsp;&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Podmienky, za ktor\u00fdch pois\u0165ovne po zemetrasen\u00ed \u0161tandardne schv\u00e1lia poistn\u00e9 plnenie a vypl\u00e1caj\u00fa klientom peniaze, sa ale l\u00ed\u0161ia. Je len zop\u00e1r pois\u0165ovn\u00ed, ktor\u00e9 kryj\u00fa \u0161kody od akejko\u013evek \u201esily\u201d zemetrasenia. V\u00e4\u010d\u0161ina <strong>pois\u0165ovn\u00ed<\/strong> m\u00e1 v podmienkach definovan\u00fa aj intenzitu zemetrasenia a naj\u010dastej\u0161ie je to od 5. a 6. stup\u0148a makroseizmickej stupnice. Pozor, nejde o medi\u00e1lne zn\u00e1mej\u0161iu Richterovu stupnicu, ktor\u00e1 m\u00e1 len 10 stup\u0148ov. Makroseizmick\u00e1 stupnica ich m\u00e1 12 a pr\u00e1ve na \u0148u sa odvol\u00e1vaj\u00fa pois\u0165ovne.<\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p id=\"htoc-pod-a-na-ich-inform-ci-pois-ovne-v-pr-pade-pondelkov-ho-zemetrasenia-urobia-v-nimku-a-poistn-udalosti-na-v-chodnom-slovensku-bud-posudzova-individu-lne-vyjd-tak-v-strety-aj-klientom-ktor-by-tandardne-nemali-n-rok-na-poistn-plnenie\">Pod\u013ea na\u0161ich inform\u00e1ci\u00ed, pois\u0165ovne v pr\u00edpade okt\u00f3brov\u00e9ho zemetrasenia urobia v\u00fdnimku a poistn\u00e9 udalosti na v\u00fdchodnom Slovensku bud\u00fa posudzova\u0165 individu\u00e1lne. Vyjd\u00fa tak v \u00fastrety aj klientom, ktor\u00ed by \u0161tandardne nemali n\u00e1rok na poistn\u00e9 plnenie.<\/p>\n<\/blockquote>\n\n\n\n<h2 id=\"htoc-v-ina-domov-je-podpoisten-o-to-pre-v-s-znamen\"><span style=\"color: #ec8124;\"><b><strong>V\u00e4\u010d\u0161ina domov je podpoisten\u00e1. \u010co to pre v\u00e1s znamen\u00e1?<\/strong><\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">V ka\u017edom pr\u00edpade v\u0161ak dobre urob\u00edte, ak si skontrolujete svoju poistn\u00fa zmluvu alebo sa s touto \u00falohou  obr\u00e1tite na v\u00e1\u0161ho <\/span><a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"font-weight: 400;\">finan\u010dn\u00e9ho sprostredkovate\u013ea<\/span><\/a><span style=\"font-weight: 400;\">. V drvivej v\u00e4\u010d\u0161ine star\u0161\u00edch dojednan\u00fdch poistn\u00fdch zml\u00fav sa toti\u017e stret\u00e1vame s podpoisten\u00edm. Neviete, \u010di sa to t\u00fdka aj v\u00e1s? Ak m\u00e1te nehnute\u013enos\u0165 poisten\u00fa na ni\u017e\u0161iu poistn\u00fa sumu ako je jej re\u00e1lna hodnota, tak \u00e1no.&nbsp;<\/span><\/p>\n\n\n\n<p><b>Pr\u00edklad podpoistenia: <\/b><span style=\"font-weight: 400;\">Predstavme si, \u017ee ste si pred 10 rokmi postavili dom za 60 000 eur a na t\u00fato sumu ste ho aj poistili. Vzh\u013eadom na vy\u0161\u0161iu infl\u00e1ciu, v\u00fdvoj cien materi\u00e1lov a pr\u00e1ce na trhu, by ste dnes rovnak\u00fd dom postavili za 120 000 eur, tak\u017ee na \u0148om vzniklo 50 %-tn\u00e9 podpoistenie. V praxi to znamen\u00e1, \u017ee ak by na va\u0161ej nehnute\u013enosti \u010di u\u017e po zemetrasen\u00ed, alebo aj z\u00e1plave \u010di po\u017eiari vznikla \u0161koda za 20 000 eur, pois\u0165ov\u0148a m\u00f4\u017ee prist\u00fapi\u0165 k tomu, \u017ee v\u00e1m vyplat\u00ed len 10 000 eur. Keby ste mali poistn\u00fa sumu vo va\u0161ej zmluve aktualizovan\u00fa, vyhli by ste sa strate 10 000 eur.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Obvykl\u00e1 hranica, od ktorej pois\u0165ovne za\u010d\u00ednaj\u00fa kr\u00e1ti\u0165 poistn\u00e9 plnenie, je podpoistenie v rozsahu aspo\u0148 15 %. Tak\u017ee pri ni\u017e\u0161om podpoisten\u00ed sa \u010dlovek obvykle nemus\u00ed b\u00e1\u0165, \u017ee mu bud\u00fa ch\u00fdba\u0165 peniaze na pokrytie vzniknut\u00fdch \u0161k\u00f4d.<\/span><\/p>\n\n\n\n<p><b><i>Pre\u010d\u00edtajte si aj: <\/i><\/b><a href=\"https:\/\/www.fingo.sk\/blog\/overte-si-ci-nemate-vasu-nehnutelnost-podpoistenu-mozete-usetrit-tisice-eur\/\"><b><i>Overte si, \u010di nem\u00e1te va\u0161u nehnute\u013enos\u0165 podpoisten\u00fa. M\u00f4\u017eete u\u0161etri\u0165 tis\u00edce eur&nbsp;<\/i><\/b><\/a><\/p>\n\n\n\n<h2 id=\"htoc-m-te-komplexn-poistenie-ak-nie-preplatia-v-m-prasknut-m-ry-ale-zni-en-n-bytok-nie\"><strong><span style=\"color: #ec8124;\">M\u00e1te komplexn\u00e9 poistenie? Ak nie, preplatia v\u00e1m prasknut\u00e9 m\u00fary, ale zni\u010den\u00fd n\u00e1bytok nie<\/span><\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">\u010eal\u0161\u00edm \u010dast\u00fdm probl\u00e9mom star\u0161\u00edch poistn\u00fdch zml\u00fav je aj to, \u017ee klienti nemaj\u00fa uzavret\u00e9 <\/span><span style=\"font-weight: 400;\">komplexn\u00e9 poistenie.<\/span><span style=\"font-weight: 400;\"> Teda maj\u00fa poisten\u00fa len nehnute\u013enos\u0165, ktor\u00e1 je podmienkou k \u010derpaniu hypot\u00e9ky, ale nemaj\u00fa poisten\u00fa aj dom\u00e1cnos\u0165 a zodpovednos\u0165 za \u0161kodu, ktor\u00fa by mohli sp\u00f4sobi\u0165 tretej osobe.&nbsp;<\/span><\/p>\n\n\n\n<div class=\"block-visibility-hide-small-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/poistenie-majetku\/version1?inNewWindow=1&amp;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePropertyInsuranceV1\" style=\"min-height: 593px; width: 110%; border: none; height: 937px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<div class=\"block-visibility-hide-large-screen block-visibility-hide-medium-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/poistenie-majetku\/version1?inNewWindow=1&amp;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePropertyInsuranceV1\" style=\"min-height: 1300px; width: 100%; border: none; height: 937px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<p><span style=\"font-weight: 400;\">Pre\u010do je to tak\u00e9 d\u00f4le\u017eit\u00e9?&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Ak m\u00e1te poisten\u00fa len nehnute\u013enos\u0165, pois\u0165ov\u0148a v\u00e1m m\u00f4\u017ee uhradi\u0165 len \u0161kody, ktor\u00e9 vznikli na va\u0161om dome &#8211; v pr\u00edpade zemetrasenia s\u00fa to napr\u00edklad popraskan\u00e9 obvodov\u00e9 m\u00fary, kom\u00edn \u010di strecha.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">No ke\u010f\u017ee nem\u00e1te poisten\u00fa aj dom\u00e1cnos\u0165, nepreplatia v\u00e1m u\u017e zni\u010den\u00e9 zariadenie, napr\u00edklad  po\u0161koden\u00fa skri\u0148u, rozbit\u00fd telev\u00edzor alebo skl\u00e1 v n\u00e1bytku.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">\u017dia\u013e, a\u017e podobn\u00e9 \u017eiveln\u00e9 udalosti \u013eud\u00ed motivuj\u00fa k tomu, aby si skontrolovali star\u0161ie poistn\u00e9 zmluvy. Nezabudnite, \u017ee ak vlastn\u00edte nehnute\u013enos\u0165, mali by ste ma\u0165 uzavret\u00e9&nbsp;poistenie nehnute\u013enosti, dom\u00e1cnosti aj zodpovednosti za \u0161kodu. Nespoliehajte sa len na z\u00e1kladn\u00fd&nbsp;bal\u00edk&nbsp;poistenia a svoju zmluvu kontrolujte aspo\u0148 ka\u017ed\u00e9 2 a\u017e 3 roky.<br><br><div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n<br><\/span><\/p>\n\n\n\n<p><b>TIP:<\/b><span style=\"font-weight: 400;\"> Neviete, \u010di v\u00e1s va\u0161a poistka dostato\u010dne chr\u00e1ni? Na\u0161i sk\u00fasen\u00ed makl\u00e9ri z FinGO.sk v\u00e1m ju m\u00f4\u017eu skontrolova\u0165. Ak to bude potrebn\u00e9, odporu\u010dia v\u00e1m, ako ju upravi\u0165 tak, aby ste mohli pokojne sp\u00e1va\u0165.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">\u010ci u\u017e sa chcete poradi\u0165 oh\u013eadom poistenia domu, bytu, alebo aj oh\u013eadom PZP \u010di havarijn\u00e9ho poistenia, zavolajte n\u00e1m do FinGO.sk na<a href=\"tel:0800601060\"> 0800 60 10 60<\/a>. M\u00f4\u017eete n\u00e1m zanecha\u0165 aj kontaktn\u00e9 \u00fadaje vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme.<\/span><\/p>\n\n\n\n<div class=\"wp-block-contact-form-7-contact-form-selector\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/8111#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Zemetrasenie na v\u00fdchodnom Slovensku op\u00e4\u0165 pripomenulo, ak\u00e9 d\u00f4le\u017eit\u00e9 je kvalitn\u00e9 poistenie majetku, ktor\u00e9 si treba raz za \u010das aj aktualizova\u0165. T\u00e1to udalos\u0165 \u017eia\u013e op\u00e4\u0165 pouk\u00e1\u017ee aj na probl\u00e9m drvivej v\u00e4\u010d\u0161iny nehnute\u013enost\u00ed na Slovensku, ktor\u00e9 s\u00fa podpoisten\u00e9 a nemaj\u00fa komplexn\u00e9 poistn\u00e9 krytie. Net\u00fdka sa to len rodinn\u00fdch domov, ale aj bytoviek, firemn\u00fdch budov a takisto majetku miest a obc\u00ed. Kryje poistenie nehnute\u013enosti \u0161kody sp\u00f4soben\u00e9 zemetrasen\u00edm? Zemetrasenie je v poistn\u00fdch zmluv\u00e1ch poistenia nehnute\u013enosti definovan\u00e9 ako \u017eivel a toto riziko je vo v\u0161etk\u00fdch pois\u0165ovniach zahrnut\u00e9 v z\u00e1kladnom kryt\u00ed poistenia. To znamen\u00e1, \u017ee v\u0161etky pois\u0165ovne kryj\u00fa \u0161kody sp\u00f4soben\u00e9 zemetrasen\u00edm, a to a\u017e do v\u00fd\u0161ky poistnej sumy.&nbsp;&nbsp; Podmienky, za ktor\u00fdch pois\u0165ovne po zemetrasen\u00ed \u0161tandardne schv\u00e1lia poistn\u00e9 plnenie a vypl\u00e1caj\u00fa klientom peniaze, sa ale l\u00ed\u0161ia. Je len zop\u00e1r pois\u0165ovn\u00ed, ktor\u00e9 kryj\u00fa \u0161kody od akejko\u013evek \u201esily\u201d zemetrasenia. V\u00e4\u010d\u0161ina pois\u0165ovn\u00ed m\u00e1 v podmienkach definovan\u00fa aj intenzitu zemetrasenia a naj\u010dastej\u0161ie je to od 5. a 6. stup\u0148a makroseizmickej stupnice. Pozor, nejde o medi\u00e1lne zn\u00e1mej\u0161iu Richterovu stupnicu, ktor\u00e1 m\u00e1 len 10 stup\u0148ov. Makroseizmick\u00e1 stupnica ich m\u00e1 12 a pr\u00e1ve na \u0148u sa odvol\u00e1vaj\u00fa pois\u0165ovne. Pod\u013ea na\u0161ich inform\u00e1ci\u00ed, pois\u0165ovne v pr\u00edpade okt\u00f3brov\u00e9ho zemetrasenia urobia v\u00fdnimku a poistn\u00e9 udalosti na v\u00fdchodnom Slovensku bud\u00fa posudzova\u0165 individu\u00e1lne. Vyjd\u00fa tak v \u00fastrety aj klientom, ktor\u00ed [&hellip;]<\/p>\n","protected":false},"author":52,"featured_media":8112,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[16],"tags":[60,115,59,224],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Po zemetrasen\u00ed mnoh\u00fdm \u013eu\u010fom nepreplatia \u0161kody v plnej v\u00fd\u0161ke. Pre\u010do je to tak? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Zemetrasenie na v\u00fdchodnom Slovensku op\u00e4\u0165 pripomenulo, ak\u00e9 d\u00f4le\u017eit\u00e9 je kvalitn\u00e9 poistenie majetku, ktor\u00e9 si treba raz za \u010das aj aktualizova\u0165.\" \/>\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\/po-zemetraseni-mnohym-ludom-nepreplatia-skody-v-plnej-vyske-preco-je-to-tak\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Po zemetrasen\u00ed mnoh\u00fdm \u013eu\u010fom nepreplatia \u0161kody v plnej v\u00fd\u0161ke. 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