{"id":2060,"date":"2023-11-28T11:21:25","date_gmt":"2023-11-28T10:21:25","guid":{"rendered":"https:\/\/pokus.aider.sk\/?p=2060"},"modified":"2024-12-03T22:07:23","modified_gmt":"2024-12-03T20:07:23","slug":"plnenie-rozpoctom-ako-ziskat-viac-o-100-200","status":"publish","type":"post","link":"https:\/\/pokus.aider.sk\/en\/plnenie-rozpoctom-ako-ziskat-viac-o-100-200\/","title":{"rendered":"PLNENIE ROZPO\u010cTOM: AKO Z\u00cdSKA\u0164 VIAC O 100% \u2013 200%"},"content":{"rendered":"<style>\r\n .player1705  .plyr__controls,\r\n .player1705 .StampAudioPlayerSkin{\r\n  border-radius: 10px;\r\n  overflow: hidden;\r\n }\r\n .player1705{\r\n  margin: 0 auto; }\r\n .player1705 .plyr__controls .plyr__controls {\r\n   border-radius: none;\r\n   overflow: visible;\r\n }\r\n .skin_default .player1705 .plyr__controls {\r\n   overflow: visible;\r\n }\r\n <\/style>\r\n<div class=\"skin_default\" id=\"skin_default\">\r\n  <div style=\"width:100%;--plyr-color-bg:#333\" class=\"h5ap_standard_player player1705\" \r\n  data-poster=\"https:\/\/pokus.aider.sk\/wp-content\/plugins\/html5-audio-player\/shortcode\/player\/sticky-default.jpg\" \r\n  data-skin=\"default\" \r\n  data-title=\"Audio Title\" \r\n  data-song=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/ElevenLabs_2023-11-13T13_01_19_Adam_pre_s50_sb75_se0_b_m2.mp3\" \r\n  data-id=\"1705\" \r\n  data-options='{&quot;controls&quot;:[&quot;play&quot;,&quot;progress&quot;,&quot;duration&quot;,&quot;mute&quot;,&quot;volume&quot;,&quot;settings&quot;],&quot;seekTime&quot;:10,&quot;skin&quot;:&quot;default&quot;,&quot;title&quot;:&quot;Audio Title&quot;,&quot;author&quot;:&quot;Author Name&quot;,&quot;disableDownload&quot;:false,&quot;fusionDownload&quot;:true,&quot;color&quot;:&quot;skyblue&quot;,&quot;background&quot;:&quot;#333&quot;,&quot;repeat&quot;:false,&quot;type&quot;:&quot;opt-1&quot;,&quot;autoplay&quot;:false,&quot;muted&quot;:false,&quot;disablePause&quot;:false,&quot;startTime&quot;:0}'>\r\n    <audio  playsinline preload=\"auto\" class=\"player1705\" id=\"player1705\">\r\n      <source src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/ElevenLabs_2023-11-13T13_01_19_Adam_pre_s50_sb75_se0_b_m2.mp3\" type=\"audio\/mp3\">\r\n        Your browser does not support the audio element.\r\n    <\/audio>\r\n          <div class=\"h5ap_lp\">\r\n        <div class=\"bar bar-1\"><\/div>\r\n        <div class=\"bar bar-1\"><\/div>\r\n      <\/div>\r\n      <\/div>\r\n<\/div>\n<p style=\"text-align: center;\">Audio \u00favod vytvoren\u00fd pomocou AI<\/p>\n<p>\u00a0<\/p>\n<p>Nechali ste si \u0161kodu z pois\u0165ovne na svojom aute vyplati\u0165 rozpo\u010dtom? V tomto \u010dl\u00e1nku sa dozviete, ako v\u00e1m vieme pom\u00f4c\u0165 z\u00edska\u0165 a\u017e 3 roky sp\u00e4tne od\u0161kodnenie z pois\u0165ovne, ktor\u00e9 bude pre v\u00e1s predstavova\u0165 nav\u00fd\u0161enie p\u00f4vodn\u00e9ho poistn\u00e9ho plnenia o pribli\u017ene 100% \u2013 200% a to aj v pr\u00edpade, \u017ee u\u017e cel\u00fa vec vy, aj pois\u0165ov\u0148a pova\u017eujete za uzavret\u00fa.<\/p>\n<p>\u00a0<\/p>\n<p>Pois\u0165ovne toti\u017e vo svojich kalkul\u00e1ci\u00e1ch, v\u00fdrazne podhodnocuj\u00fa v\u00fd\u0161ku \u0161kody, ktor\u00e1 v\u00e1m na po\u0161kodenom motorovom vozidle vznikla. Preto aj poistn\u00e9 plnenie formou rozpo\u010dtu je ni\u017e\u0161ie, ako re\u00e1lne n\u00e1klady na opravu. Pois\u0165ovne pri plnen\u00ed formou rozpo\u010dtu toti\u017e vo svojich v\u00fdpo\u010dtoch\/kalkul\u00e1ci\u00e1ch \u010dasto uv\u00e1dzaj\u00fa nespr\u00e1vne ceny \u010di u\u017e za n\u00e1hradn\u00e9 diely, za lakovanie, za cenu pr\u00e1ce mechanika, klampiarske pr\u00e1ce a za \u010fal\u0161ie servisn\u00e9 pr\u00e1ce, \u010di \u00fakony.<\/p>\n<p>T\u00fdmto si pois\u0165ovne zabezpe\u010dia, \u017ee kone\u010dn\u00e1 suma, ktor\u00fa v\u00e1m vy\u010d\u00edslia v kalkul\u00e1cii a n\u00e1sledne vyplatia, je omnoho ni\u017e\u0161ia, ako suma, za ktor\u00fa by ste si vedeli svoje po\u0161koden\u00e9 auto necha\u0165 opravi\u0165.\u00a0\u00a0<\/p>\n<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style>\n<h2>Pr\u00edklad z praxe<\/h2>\n<h3>Pr\u00edpad \u010d.1<\/h3>\n<p>Dobr\u00fdm pr\u00edkladom je jeden z na\u0161ich klientov p\u00e1n Ondrej, ktor\u00fd si nechal preplati\u0165 \u0161kodu na svojom aute tzv. rozpo\u010dtom. Pois\u0165ov\u0148a Ondrejovi vyplatila poistn\u00e9 plnenie vo v\u00fd\u0161ke pribli\u017ene 5 100 EUR. N\u00e1slednou kalkul\u00e1ciou sme v\u0161ak zistili, \u017ee n\u00e1klady na opravu bud\u00fa predstavova\u0165 sumu vy\u0161e 11 500 EUR.<\/p>\n<p>To znamen\u00e1, \u017ee v pr\u00edpade p\u00e1na Ondreja ide teda o nav\u00fd\u0161enie poistn\u00e9ho plnenia\u00a0<b>o pribli\u017ene 125%<\/b>.<\/p>\n<p>Pois\u0165ov\u0148a v\u00fd\u0161ku poistn\u00e9ho plnenia v pr\u00edpade p\u00e1na Ondreja od\u00f4vodnila t\u00fdm, \u017ee ke\u010f si klienti nechaj\u00fa preplati\u0165 \u0161kodu na svojom vozidle formou rozpo\u010dtu, odborn\u00edci v pois\u0165ovni vypo\u010d\u00edtaj\u00fa primeran\u00fa n\u00e1hradu \u0161kody kalkula\u010dn\u00fdm syst\u00e9mom. Za Union pois\u0165ov\u0148u, a.s. to uviedla Be\u00e1ta Dupa\u013eov\u00e1 Ksenzsighov\u00e1 v rel\u00e1cii\u00a0<a href=\"https:\/\/www.youtube.com\/watch?v=ZdTMHs71mEw&amp;feature=emb_logo\">Reflex na Mark\u00edze<\/a>\u00a0(odvysielan\u00e9 01\/2018).<\/p>\n<p>Ako vid\u00edte na tomto pr\u00edpade, tak kalkula\u010dn\u00fd syst\u00e9m pois\u0165ovne nenahr\u00e1dza skuto\u010dn\u00fa \u0161kodu, ktor\u00e1 vznikla, a na ktor\u00fa m\u00e1 po\u0161koden\u00fd klient zo z\u00e1kona n\u00e1rok, ale iba primeran\u00fa n\u00e1hradu \u0161kody (minim\u00e1lne teda v pr\u00edpade p. Ondreja).<\/p>\n<p>https:\/\/www.youtube.com\/watch?v=SAqiii6wBVU\t\t<\/p>\n<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\n<p>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"1024\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/union-sprava-ondrej-724x1024.jpg\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/union-sprava-ondrej-724x1024.jpg 724w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/union-sprava-ondrej-212x300.jpg 212w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/union-sprava-ondrej-768x1087.jpg 768w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/union-sprava-ondrej-8x12.jpg 8w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/union-sprava-ondrej-600x849.jpg 600w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/union-sprava-ondrej.jpg 868w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"725\" height=\"1024\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej-725x1024.jpg\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej-725x1024.jpg 725w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej-212x300.jpg 212w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej-768x1085.jpg 768w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej-8x12.jpg 8w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej-600x848.jpg 600w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej.jpg 825w\" sizes=\"auto, (max-width: 725px) 100vw, 725px\" \/><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"725\" height=\"1024\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej-725x1024.jpg\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej-725x1024.jpg 725w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej-212x300.jpg 212w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej-768x1085.jpg 768w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej-8x12.jpg 8w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej-600x848.jpg 600w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_2_ondrej.jpg 825w\" sizes=\"auto, (max-width: 725px) 100vw, 725px\" \/><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"1024\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_3_ondrej-724x1024.jpg\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_3_ondrej-724x1024.jpg 724w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_3_ondrej-212x300.jpg 212w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_3_ondrej-768x1086.jpg 768w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_3_ondrej-8x12.jpg 8w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_3_ondrej-600x848.jpg 600w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_3_ondrej.jpg 868w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"1024\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_4_ondrej-724x1024.jpg\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_4_ondrej-724x1024.jpg 724w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_4_ondrej-212x300.jpg 212w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_4_ondrej-768x1086.jpg 768w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_4_ondrej-8x12.jpg 8w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_4_ondrej-600x848.jpg 600w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_4_ondrej.jpg 868w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"1024\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_5_ondrej-724x1024.jpg\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_5_ondrej-724x1024.jpg 724w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_5_ondrej-212x300.jpg 212w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_5_ondrej-768x1086.jpg 768w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_5_ondrej-8x12.jpg 8w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_5_ondrej-600x848.jpg 600w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_5_ondrej.jpg 868w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"1024\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_6_ondrej-724x1024.jpg\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_6_ondrej-724x1024.jpg 724w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_6_ondrej-212x300.jpg 212w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_6_ondrej-768x1086.jpg 768w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_6_ondrej-8x12.jpg 8w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_6_ondrej-600x848.jpg 600w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_6_ondrej.jpg 868w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"1024\" src=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_7_ondrej-724x1024.jpg\" alt=\"\" srcset=\"https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_7_ondrej-724x1024.jpg 724w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_7_ondrej-212x300.jpg 212w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_7_ondrej-768x1086.jpg 768w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_7_ondrej-8x12.jpg 8w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_7_ondrej-600x848.jpg 600w, https:\/\/pokus.aider.sk\/wp-content\/uploads\/2023\/11\/Cenova_kalkulacia_7_ondrej.jpg 868w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n<h2>Pr\u00edpad  \u010d. 2<\/h2>\n<p>\u010eal\u0161\u00edm dobr\u00fdm pr\u00edkladom je p. Juraj, ktor\u00e9mu Uniqa pois\u0165ov\u0148a vyplatila za v\u00fdmenu predn\u00e9ho n\u00e1razn\u00edka rozpo\u010dtom pribli\u017ene 485 EUR. N\u00e1slednou v\u00fdzvou sme pois\u0165ov\u0148u vyzvali na doplatenie poistn\u00e9ho plnenia, nako\u013eko odhadovan\u00e1 \u0161koda bola pribli\u017ene 1 000 EUR. Pois\u0165ov\u0148a prehodnotila na z\u00e1klade na\u0161ej v\u00fdzvy svoje stanovisko a doplatila poistn\u00e9 plnenie \u010fal\u0161\u00edch pribli\u017ene 525 EUR. T\u00fdmto sme Jurajovi z Uniqa pois\u0165ovne zabezpe\u010dili n\u00e1hradu \u0161kody rozpo\u010dtom, ktor\u00fd predstavoval nav\u00fd\u0161enie poistn\u00e9ho plnenia o 110%.<\/p>\n<p>Pokia\u013e ste aj vy jeden z t\u00fdch, ktor\u00fd ste si nechali \u0161kodu na svojom aute vyplati\u0165 rozpo\u010dtom, vieme aj pre v\u00e1s vybojova\u0165 poistn\u00e9 plnenie, ktor\u00e9 bude vy\u0161\u0161ie o stovky a\u017e tis\u00edce eur a to bez oh\u013eadu na to, \u010di poistn\u00e1 udalos\u0165 nastala pred nieko\u013ek\u00fdmi rokmi, alebo iba pred p\u00e1r t\u00fd\u017ed\u0148ami.<\/p>\n<p>Dovol\u00edme si tvrdi\u0165, \u017ee pokia\u013e v\u00e1m pois\u0165ov\u0148a vyplatila rozpo\u010dtom napr\u00edklad 1 000 EUR, tak v\u00e1m vieme zabezpe\u010di\u0165 doplatok poistn\u00e9ho plnenia \u010fal\u0161\u00edch 1 000 \u2013 2 000 EUR.<\/p>\n<p>Mo\u017eno sa v\u00e1m to zd\u00e1 a\u017e neuverite\u013en\u00e9, \u017ee by ste mohli z\u00edska\u0165 a\u017e tak vysok\u00e9 od\u0161kodnenie, ale je to skuto\u010dne tak. M\u00e1me to vysk\u00fa\u0161an\u00e9 aj na vlastnej ko\u017ei, aj na na\u0161ich klientoch.<\/p>\n<p>Vieme toti\u017e, ako z pois\u0165ovne z\u00edska\u0165 dodato\u010dn\u00e9 plnenie, ktor\u00e9 bude predstavova\u0165 sumu r\u00e1dovo stovky a\u017e tis\u00edce eur, tak ako to bolo v pr\u00edpade p\u00e1na Ondreja. Dodato\u010dn\u00e9 plnenie z pois\u0165ovne v\u00e1m vieme zabezpe\u010di\u0165, \u010di u\u017e v\u00e1m rozpo\u010det, ktor\u00fd pois\u0165ov\u0148a stanovila posta\u010dil na opravu po\u0161koden\u00e9ho auta, alebo ste museli za opravu dopl\u00e1ca\u0165 zo svojich pe\u0148az\u00ed.<\/p>\n<p>Jedinou podmienkou je, \u017ee poistn\u00e1 udalos\u0165 nastala pred menej ako 3 rokmi.<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1334&#8243;]\t\t<\/p>\n<h2>Ako v\u00e1m pomo\u017eeme?<\/h2>\n<p><strong>Ako prebieha vybavovanie dodato\u010dn\u00e9ho plnenia z p<\/strong><b>ois\u0165ovne? Prin\u00e1\u0161a tak\u00e9to vybavovanie finan\u010dn\u00e9 n\u00e1klady alebo rizika? A \u010do z\u00edskate?<\/b><\/p>\n<p>\u00a0<\/p>\n<p>Prebieha to tak, \u017ee vy n\u00e1m odovzd\u00e1te dokument\u00e1ciu k poistnej udalosti, my vyhotov\u00edme v\u0161etky potrebn\u00e9 podklady a n\u00e1sledne vyzveme pois\u0165ov\u0148u k doplateniu poistn\u00e9ho plnenia a budeme bojova\u0165 s pois\u0165ov\u0148ou za v\u00e1s.<\/p>\n<p>\u010co sa t\u00fdka rizika, tak nepodstupujete \u017eiadne riziko, nako\u013eko n\u00e1klady potrebn\u00e9 na vyhotovenie potrebn\u00fdch podkladov vypracov\u00e1vame my na svoje vlastn\u00e9 n\u00e1klady.<\/p>\n<p>Teraz m\u00e1te skuto\u010dne jedine\u010dn\u00fa mo\u017enos\u0165 z\u00edska\u0165 dodato\u010dne peniaze z pois\u0165ovne, bez investovania svojho \u010dasu a \u00fasilia. V\u0161etky starosti oh\u013eadom vybavovania dodato\u010dn\u00e9ho plnenia vybav\u00edme my.<\/p>\n<p>M\u00e1te na v\u00fdber z dvoch mo\u017enost\u00ed:<\/p>\n<ul>\n<li>bu\u010f svoj n\u00e1rok na dodato\u010dn\u00e9 plnenie nech\u00e1te prepadn\u00fa\u0165 v prospech pois\u0165ovne, alebo <\/li>\n<li>\u00a0vypln\u00edte formul\u00e1r ni\u017e\u0161ie a my pre v\u00e1s vybojujeme s pois\u0165ovne peniaze navy\u0161e.<\/li>\n<\/ul>\n<p><strong>\u010co z\u00edskate?<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">dodato\u010dn\u00e9 finan\u010dn\u00e9 od\u0161kodnenie z pois\u0165ovne bez platenia ak\u00fdchko\u013evek poplatkov\/n\u00e1kladov<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\u017eiadna \u010dasov\u00e1 z\u00e1\u0165a\u017e s rie\u0161en\u00edm poistnej udalosti, nako\u013eko v\u0161etko vyrie\u0161ime za v\u00e1s<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">od\u0161kodnenie z\u00edskate bez toho, aby ste platili s\u00fadny poplatok a trovy pr\u00e1vneho zast\u00fapenia<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">nepodstupujete \u017eiadne riziko<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">a v neposlednom rade aj dobr\u00fd pocit z toho, \u017ee z\u00edskate peniaze, ktor\u00e9 v\u00e1m pr\u00e1vom patria.<\/li>\n<\/ul>\n<p>Rozhodnutie je samozrejme na v\u00e1s, no ak sa rozhodnete nenecha\u0165 svoje peniaze prepadn\u00fa\u0165 pois\u0165ovni, tak vyu\u017eite na\u0161u konzult\u00e1ciu, povedzte n\u00e1m o svojej situ\u00e1ci\u00ed viac a my v\u00e1m poskytneme rie\u0161enia.<\/p>\n<p>\u00a0<\/p>\n<p>[INSERT_ELEMENTOR id=&#8220;1124&#8243;]<\/p>","protected":false},"excerpt":{"rendered":"<p>Audio \u00favod vytvoren\u00fd pomocou AI \u00a0 Nechali ste si \u0161kodu z pois\u0165ovne na svojom aute vyplati\u0165 rozpo\u010dtom? V tomto \u010dl\u00e1nku [&hellip;]<\/p>","protected":false},"author":4,"featured_media":2062,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[44],"tags":[],"class_list":["post-2060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-parcialna-skoda"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/posts\/2060","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/comments?post=2060"}],"version-history":[{"count":1,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/posts\/2060\/revisions"}],"predecessor-version":[{"id":4647,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/posts\/2060\/revisions\/4647"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/media\/2062"}],"wp:attachment":[{"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/media?parent=2060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/categories?post=2060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pokus.aider.sk\/en\/wp-json\/wp\/v2\/tags?post=2060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}