{"id":7189,"date":"2014-05-12T00:00:00","date_gmt":"2014-05-12T00:00:00","guid":{"rendered":"https:\/\/lynx.legal\/news\/poistenie-pohladavok\/"},"modified":"2014-05-12T00:00:00","modified_gmt":"2014-05-12T00:00:00","slug":"poistenie-pohladavok","status":"publish","type":"post","link":"https:\/\/lynx.legal\/sk\/poistenie-pohladavok\/","title":{"rendered":"Poistenie poh\u013ead\u00e1vok"},"content":{"rendered":"\n<p>Slovensko: Ako funguje poistenie \u00fahrady poh\u013ead\u00e1vok? Ak\u00e9 v\u00fdhody a rizik\u00e1 s\u00fa s n\u00edm spojen\u00e9?<\/p>\n<p>Poistenie \u00fahrady poh\u013ead\u00e1vok je relat\u00edvne nov\u00fdm a na Slovensku e\u0161te st\u00e1le nie ve\u013emi \u010dasto vyu\u017e\u00edvan\u00fdm poisten\u00edm. Pon\u00faka poistn\u00fa ochranu v pr\u00edpade, ak odberate\u013e neuhrad\u00ed poh\u013ead\u00e1vku za poskytnut\u00e9 tovary alebo slu\u017eby. Poistn\u00e1 ochrana sa m\u00f4\u017ee tie\u017e vz\u0165ahova\u0165 na kr\u00e1tkodob\u00e9 dod\u00e1vate\u013esk\u00e9 \u00favery, ktor\u00e9 dod\u00e1vate\u013e poskytol odberate\u013eovi v r\u00e1mci obchodn\u00e9ho styku. Poisten\u00fdmi rizikami s\u00fa zvy\u010dajne platobn\u00e1 neschopnos\u0165 a tzv. platobn\u00e1 nev\u00f4\u013ea odberate\u013ea. Okrem toho je mo\u017en\u00e9 poisti\u0165 aj \u010fal\u0161ie doplnkov\u00e9 rizik\u00e1 ako napr. \u017eiveln\u00e9 a politick\u00e9 rizik\u00e1, \u010di administrat\u00edvne z\u00e1sahy v krajine. Rozsah poistenia sa m\u00f4\u017ee pod\u013ea po\u017eiadavky poisten\u00e9ho vz\u0165ahova\u0165 na v\u0161etk\u00fdch odberate\u013eov alebo len na niektor\u00fdch z nich, pri\u010dom rozhoduj\u00face slovo m\u00e1 v tejto s\u00favislosti pois\u0165ov\u0148a, ktor\u00e1 na z\u00e1klade preverenia bonity m\u00f4\u017ee vo vz\u0165ahu k vybran\u00fdm odberate\u013eom zn\u00ed\u017ei\u0165 poistn\u00fd limit, pr\u00edp. poistenie aj odmietnu\u0165.<\/p>\n<p>Ak odberate\u013e riadne a v\u010das neuhrad\u00ed poh\u013ead\u00e1vku, nejedn\u00e1 sa automaticky o poistn\u00fa udalos\u0165. Dod\u00e1vate\u013e sa po uplynut\u00ed splatnosti v prvom rade sna\u017e\u00ed vym\u00f4c\u0165 poh\u013ead\u00e1vku s\u00e1m &#8211; napr. zasielan\u00edm upomienok. Ak sa v dohodnutej lehote nepodar\u00ed dosiahnu\u0165 \u00fahradu, obr\u00e1ti sa na pois\u0165ov\u0148u, ktor\u00e1 bude poh\u013ead\u00e1vku vym\u00e1ha\u0165 prostredn\u00edctvom svojej partnerskej inkasnej kancel\u00e1rie zvy\u010dajne na vlastn\u00e9 n\u00e1klady. Ak nie je mo\u017en\u00e9 poh\u013ead\u00e1vku vym\u00f4c\u0165 ani t\u00fdmto sp\u00f4sobom, doch\u00e1dza k poistnej udalosti a pois\u0165ov\u0148a poskytne plnenie v dohodnutej v\u00fd\u0161ke. V\u00fd\u0161ka poistn\u00e9ho plnenia sa pohybuje spravila medzi 80-90% zo sumy neuhradenej poh\u013ead\u00e1vky, pri\u010dom je potrebn\u00e9 odr\u00e1ta\u0165 v\u00fd\u0161ku dohodnutej spolu\u00fa\u010dasti.<\/p>\n<p>V\u00fdhodou poistenia poh\u013ead\u00e1vok aj to, \u017ee pois\u0165ovne klientov upozornia na zmeny platobnej schopnosti odberate\u013ea.<\/p>\n<p>Poistenie poh\u013ead\u00e1vok m\u00f4\u017ee by\u0165 u\u017eito\u010dn\u00fdm n\u00e1strojom najm\u00e4 pri uzatv\u00e1ran\u00ed v\u00e4\u010d\u0161\u00edch transakci\u00ed s nepreveren\u00fdmi obchodn\u00fdmi partnermi alebo pri vstupe na nov\u00fd trh. Podmienky poistenia poh\u013ead\u00e1vok pois\u0165ov\u0148a ur\u010duje v ka\u017edom pr\u00edpade individu\u00e1lne, pri\u010dom aj poistn\u00e9 podmienky jednotliv\u00fdch pois\u0165ovate\u013eov a pon\u00fakan\u00fdch poistn\u00fdch produktov sa podstatne odli\u0161uj\u00fa. Odpor\u00fa\u010dame V\u00e1m preto poradi\u0165 sa s nez\u00e1visl\u00fdm odborn\u00edkom e\u0161te pred uzatvoren\u00edm poistnej zmluvy.<\/p>\n<p>Kontaktn\u00e1 osoba v BratislaveMgr. Pavol Ben\u010doTel.: +421 2 57880088<a href=\"javascript:\/\/ EP_MESSAGE_PROTECTED\"><span><span><span><span><\/span><\/span><\/span><\/span><\/a><script type=\"text\/javascript\">emailProtector.addCloakedMailto(\"ep_3770282a\", 1);<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Slovensko: Ako funguje poistenie \u00fahrady poh\u013ead\u00e1vok? Ak\u00e9 v\u00fdhody a rizik\u00e1 s\u00fa s n\u00edm spojen\u00e9? Poistenie \u00fahrady poh\u013ead\u00e1vok je relat\u00edvne nov\u00fdm a na Slovensku e\u0161te st\u00e1le nie ve\u013emi \u010dasto vyu\u017e\u00edvan\u00fdm poisten\u00edm. Pon\u00faka poistn\u00fa ochranu v pr\u00edpade, ak odberate\u013e neuhrad\u00ed poh\u013ead\u00e1vku za poskytnut\u00e9 tovary alebo slu\u017eby. Poistn\u00e1 ochrana sa m\u00f4\u017ee tie\u017e vz\u0165ahova\u0165 na kr\u00e1tkodob\u00e9 dod\u00e1vate\u013esk\u00e9 \u00favery, ktor\u00e9 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5469,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[103],"tags":[104],"class_list":["post-7189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bnt","tag-slovakia"],"acf":[],"_links":{"self":[{"href":"https:\/\/lynx.legal\/sk\/wp-json\/wp\/v2\/posts\/7189","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lynx.legal\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lynx.legal\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lynx.legal\/sk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lynx.legal\/sk\/wp-json\/wp\/v2\/comments?post=7189"}],"version-history":[{"count":0,"href":"https:\/\/lynx.legal\/sk\/wp-json\/wp\/v2\/posts\/7189\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lynx.legal\/sk\/wp-json\/wp\/v2\/media\/5469"}],"wp:attachment":[{"href":"https:\/\/lynx.legal\/sk\/wp-json\/wp\/v2\/media?parent=7189"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lynx.legal\/sk\/wp-json\/wp\/v2\/categories?post=7189"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lynx.legal\/sk\/wp-json\/wp\/v2\/tags?post=7189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}