{"id":4074,"date":"2023-05-28T23:39:20","date_gmt":"2023-05-28T21:39:20","guid":{"rendered":"https:\/\/www.poistim.sk\/indexacia-poistnych-zmluv\/"},"modified":"2023-05-28T23:39:20","modified_gmt":"2023-05-28T21:39:20","slug":"indexacia-poistnych-zmluv","status":"publish","type":"post","link":"https:\/\/www.poistim.sk\/skke1\/indexacia-poistnych-zmluv\/","title":{"rendered":"Index\u00e1cia poistn\u00fdch zml\u00fav"},"content":{"rendered":"[vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]\n

\u010co to je a\u00a0pre\u010do je nevyhnutn\u00e1.<\/h2>\n[\/vc_column_text][vc_column_text]Na \u010do je index\u00e1cia dobr\u00e1, ak\u00fd je vlastne jej v\u00fdznam a pre\u010do je aktu\u00e1lne tak\u00e1 vysok\u00e1?<\/p>\n

Pri uzatvoren\u00ed poistenia ako klient uv\u00e1dzate hodnotu svojho majetku a na t\u00fato sumu v\u00e1m ho poist\u00edme. Ka\u017edoro\u010dne v\u0161ak ceny stavebn\u00fdch materi\u00e1lov, nehnute\u013enost\u00ed \u010di zariadenia dom\u00e1cnosti rast\u00fa a aby bol v\u00e1\u0161 majetok neust\u00e1le poisten\u00fd v rovnakej miere, v\u00fd\u0161ka poistnej sumy mus\u00ed zoh\u013ead\u0148ova\u0165 zmeny t\u00fdchto cien. Bez index\u00e1cie by poisten\u00fd majetok zostal podpoisten\u00fd, ke\u010f\u017ee poistn\u00e1 suma uveden\u00e1 v poistnej zmluve bola v \u010dase vzniku poistnej udalosti ni\u017e\u0161ia ako aktu\u00e1lna poisten\u00e9ho majetku.\u00a0V\u00fdsledkom podpoistenia m\u00f4\u017ee by\u0165 ni\u017e\u0161ie poistn\u00e9 plnenie (takzvan\u00e9 kr\u00e1tenie), a to aj v pr\u00edpade men\u0161ej poistnej udalosti.<\/strong><\/p>\n

Predstavte si, \u017ee ke\u010f v\u00e1m vznikne \u0161koda na majetku, pois\u0165ov\u0148a v\u00e1m vyplat\u00ed \u010diastku, ktor\u00e1 nepokryje v\u0161etky n\u00e1klady na obstaranie rovnak\u00e9ho, ako bol zni\u010den\u00fd majetok.\u00a0A to u\u017e je ove\u013ea hor\u0161ie prekvapenie ako zv\u00fd\u0161en\u00e1 index\u00e1cia.\u00a0<\/strong>Bez index\u00e1cie by ste si museli ka\u017edoro\u010dne preverova\u0165 hodnotu svojho majetku, aby ste mali v pr\u00edpade poistnej udalosti istotu poistn\u00e9ho plnenia, ako v \u010dase uzavretia zmluvy. V\u010faka index\u00e1cii sa tak va\u0161e poistenie automaticky upravuje a poistenie m\u00e1 st\u00e1le t\u00fa ist\u00fa hodnotu.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]\n

Ako sa vypo\u010d\u00edtava index\u00e1cia?<\/h3>\n[\/vc_column_text][vc_column_text]Aktu\u00e1lne zisten\u00e9 ceny s\u00fa porovn\u00e1van\u00e9 s cenami v predo\u0161lom roku. Ak do\u0161lo k v\u00fdrazn\u00e9mu n\u00e1rastu cien, mus\u00edme to zoh\u013eadni\u0165 pr\u00e1ve v index\u00e1cii.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#f2f2f2″ scene_position=”center” top_padding=”20″ constrain_group_1=”yes” bottom_padding=”20″ left_padding_desktop=”0″ constrain_group_2=”yes” right_padding_desktop=”0″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]Pr\u00edklad:<\/strong>
\nIndex\u00e1cia 1,1 znamen\u00e1 zv\u00fd\u0161enie cien o 10 %. Ak ju akceptujete, v\u00fd\u0161ka poistenia v\u00e1\u0161ho majetku vzrastie rovnako o 10 %. Naopak, bez index\u00e1cie by ste v pr\u00edpade poistnej udalosti z\u00edskali o 10 % men\u0161ie plnenie, ako je re\u00e1lna v\u00fd\u0161ka sp\u00f4sobenej \u0161kody.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”1032″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][vc_column_text]Zdroj: \u0160tatistick\u00fd \u00farad SR[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#f2f2f2″ scene_position=”center” top_padding=”30″ bottom_padding=”30″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]\n

D\u00e1 sa index\u00e1cia odmietnu\u0165?<\/h2>\n[\/vc_column_text][vc_column_text]V pr\u00edpade nov\u00fdch zml\u00fav\u00a0poistenia majetku\u00a0je u\u017e index\u00e1cia povinn\u00e1.<\/p>\n

Pri star\u0161\u00edch zmluv\u00e1ch ako klient m\u00e1te pr\u00e1vo index\u00e1ciu odmietnu\u0165, mus\u00edte v\u0161ak po\u010d\u00edta\u0165 s t\u00fdm, \u017ee\u00a0pri poistnej udalosti nebude vyplaten\u00e1 cel\u00e1 \u0161koda.<\/strong> Index\u00e1cia op\u00e4tovne pom\u00e1ha klientovi zachova\u0165 hodnotu majetku na nezmenenej \u00farovni.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_margin=”30″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]\n

Plat\u00edme za poistenie \u010doraz viac?<\/h3>\n[\/vc_column_text][vc_column_text]Nie je to pravda.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”1035″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][vc_column_text]Zdroj: \u0160tatistick\u00fd \u00farad SR[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]Naopak, vzh\u013eadom na rast re\u00e1lnych miezd v ostatn\u00fdch rokoch utr\u00e1came za poistenie pomerne\u00a0men\u0161iu \u010das\u0165 pr\u00edjmu ako v minulosti.<\/strong> A hne\u010f, ako sa ekonomika euroz\u00f3ny dostane op\u00e4tovne do formy, o\u010dak\u00e1van\u00fd rast nomin\u00e1lnych miezd v pr\u00edpade rovnako o\u010dak\u00e1vanej ni\u017e\u0161ej infl\u00e1cie, op\u00e4tovne zv\u00fd\u0161i aj re\u00e1lnu mzdu a zn\u00ed\u017ei tak podiel v\u00fddavkov za poistenie.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”5%” bottom_padding=”3%” left_padding_desktop=”27%” constrain_group_2=”yes” right_padding_desktop=”27%” top_padding_tablet=”20%” bottom_padding_tablet=”10%” left_padding_tablet=”20%” constrain_group_4=”yes” right_padding_tablet=”20%” left_padding_phone=”6%” constrain_group_6=”yes” right_padding_phone=”6%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” advanced_gradient_angle=”0″ overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”0px” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][vc_row_inner column_margin=”20px” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” bottom_margin=”20″ column_element_direction_desktop=”default” column_element_spacing=”0px” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default” animation_offset=”80%”][vc_column_text]\n
TIP:<\/h5>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][split_line_heading animation_type=”line-reveal-by-space” font_style=”h3″ text_color=”#d93732″ line_reveal_by_space_text_effect=”default” stagger_animation=”true” content_alignment=”default” mobile_content_alignment=”inherit” link_target=”_self” text_content=”Kontrolou poistn\u00fdch zml\u00fav pred\u00eddete nepr\u00edjemn\u00fdm prekvapeniam.” font_size=”1.5vw” font_size_phone=”10vw”][\/split_line_heading][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” bottom_margin=”-70″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]Ak sa v\u00e1m poistn\u00e9 nemen\u00ed a st\u00e1le plat\u00edte rovnak\u00fa cenu, je pravdepodobn\u00e9, \u017ee v nej nie je dohodnut\u00e1\u00a0automatick\u00e1 index\u00e1cia.<\/strong>\u00a0Najm\u00e4 u star\u0161\u00edch zml\u00fav to v\u0161ak v pr\u00edpade poistnej udalosti m\u00f4\u017ee znamena\u0165 katastrofu, spojen\u00fa s v\u00fdrazn\u00fdm kr\u00e1ten\u00edm poistn\u00e9ho plnenia z d\u00f4vodu podhodnotenia poistenia.<\/p>\n

Druhou pr\u00ed\u010dinou kr\u00e1tenia poistn\u00e9ho plnenia m\u00f4\u017eu by\u0165\u00a0zmeny na majetku.<\/strong> Je be\u017en\u00e9, \u017ee ste si v priebehu rokov k\u00fapili do dom\u00e1cnosti nov\u00e9 zariadenie (n\u00e1bytok, elektronika, umeleck\u00e9 diela), alebo nahradili existuj\u00face vybavenie nie\u010d\u00edm kvalitnej\u0161\u00edm a drah\u0161\u00edm, len\u017ee ich vy\u0161\u0161ia hodnota nie je zahrnut\u00e1 v poistnej sume, ktor\u00fa ste si dohodli pred rokmi.<\/p>\n

Preto odpor\u00fa\u010dame, aby ste si svoje poistn\u00e9 zmluvy po dlh\u0161om \u010dasovom obdob\u00ed bezplatne pre\u0161li<\/strong>\u00a0s na\u0161imi poradcami\u00a0v \u0161irokej sieti pobo\u010diek, kde v\u00e1m pom\u00f4\u017eeme nastavi\u0165 si poistenie tak, aby zah\u0155\u0148alo aktu\u00e1lny stav v\u00e1\u0161ho majetku.[\/vc_column_text][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

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