{"id":252,"date":"2026-06-22T13:03:11","date_gmt":"2026-06-22T11:03:11","guid":{"rendered":"https:\/\/aurafin.cz\/?page_id=252"},"modified":"2026-08-03T13:33:28","modified_gmt":"2026-08-03T11:33:28","slug":"casto-kladene-dotazy","status":"publish","type":"page","link":"https:\/\/aurafin.cz\/en\/casto-kladene-dotazy\/","title":{"rendered":"Frequently asked questions"},"content":{"rendered":"
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Frequently asked questions<\/h2>\n\n\n\n

P\u0159ehled nej\u010dast\u011bj\u0161\u00edch dotaz\u016f rozd\u011blen\u00fdch do jednotliv\u00fdch oblast\u00ed financ\u00ed a poji\u0161t\u011bn\u00ed.<\/p>\n<\/div>\n\n\n\n

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Poji\u0161t\u011bn\u00ed majetku<\/h2>\n\n\n\n
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1.\u2060 \u2060Co v\u0161echno kryje poji\u0161t\u011bn\u00ed majetku?<\/strong>
Poji\u0161t\u011bn\u00ed majetku chr\u00e1n\u00ed v\u00e1\u0161 d\u016fm, byt, dom\u00e1cnost i vedlej\u0161\u00ed stavby proti rizik\u016fm jako po\u017e\u00e1r, povode\u0148, vich\u0159ice, krupobit\u00ed, kr\u00e1de\u017e nebo vandalismus.<\/p>\n\n\n\n

2.\u2060 \u2060Jak\u00fd je rozd\u00edl mezi poji\u0161t\u011bn\u00edm nemovitosti a dom\u00e1cnosti?<\/strong>Poji\u0161t\u011bn\u00ed nemovitosti kryje samotnou stavbu. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti chr\u00e1n\u00ed vybaven\u00ed uvnit\u0159, jako je n\u00e1bytek, elektronika nebo osobn\u00ed v\u011bci.<\/p>\n\n\n\n

3.\u2060 \u2060Jak spr\u00e1vn\u011b nastavit pojistnou \u010d\u00e1stku?<\/strong>
Pojistn\u00e1 \u010d\u00e1stka by m\u011bla odpov\u00eddat aktu\u00e1ln\u00ed hodnot\u011b majetku, aby nedo\u0161lo k podpoji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n

4.\u2060 \u2060Vztahuje se poji\u0161t\u011bn\u00ed i na \u0161kody zp\u016fsoben\u00e9 vodou?<\/strong>
Ano, v\u011bt\u0161ina smluv kryje \u0161kody zp\u016fsoben\u00e9 praskl\u00fdm potrub\u00edm, vytopen\u00edm nebo \u00fanikem vody.<\/p>\n\n\n\n

5.\u2060 \u2060Jak postupovat p\u0159i pojistn\u00e9 ud\u00e1losti?<\/strong>
Nahlaste \u0161kodu poji\u0161\u0165ovn\u011b, zdokumentujte ji fotografiemi a uschovejte doklady k po\u0161kozen\u00e9mu majetku.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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Poji\u0161t\u011bn\u00ed vozidel<\/h2>\n\n\n\n

1. Jak\u00fd je rozd\u00edl mezi povinn\u00fdm ru\u010den\u00edm a havarijn\u00edm poji\u0161t\u011bn\u00edm?<\/strong>
Povinn\u00e9 ru\u010den\u00ed kryje \u0161kody zp\u016fsoben\u00e9 t\u0159et\u00edm osob\u00e1m. Havarijn\u00ed poji\u0161t\u011bn\u00ed kryje \u0161kody na va\u0161em vozidle.<\/p>\n\n\n\n

2. Mus\u00edm m\u00edt havarijn\u00ed poji\u0161t\u011bn\u00ed?<\/strong>
Nen\u00ed povinn\u00e9, ale doporu\u010duje se zejm\u00e9na u nov\u011bj\u0161\u00edch nebo hodnotn\u011bj\u0161\u00edch vozidel.<\/p>\n\n\n\n

3. Kryje poji\u0161t\u011bn\u00ed i st\u0159et se zv\u011b\u0159\u00ed?<\/strong>
Ano, pokud m\u00e1te sjednan\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n

4. Co d\u011blat p\u0159i dopravn\u00ed nehod\u011b?<\/strong>
Zajist\u011bte bezpe\u010dnost, zdokumentujte situaci, vypl\u0148te z\u00e1znam o nehod\u011b a kontaktujte poji\u0161\u0165ovnu.<\/p>\n\n\n\n

5. Mohu z\u00edskat slevu za beze\u0161kodn\u00ed pr\u016fb\u011bh?<\/strong>
Ano, poji\u0161\u0165ovny poskytuj\u00ed bonusy za j\u00edzdu bez nehod.<\/p>\n<\/div>\n<\/div>\n<\/div>

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\u00darazov\u00e9 a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n

1.\u2060 \u2060K \u010demu slou\u017e\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/strong>
Poskytuje finan\u010dn\u00ed ochranu v\u00e1m a va\u0161\u00ed rodin\u011b p\u0159i v\u00e1\u017en\u00fdch \u017eivotn\u00edch situac\u00edch.<\/p>\n\n\n\n

2.\u2060 \u2060Jak\u00fd je rozd\u00edl mezi \u017eivotn\u00edm a \u00farazov\u00fdm poji\u0161t\u011bn\u00edm?<\/strong>
\u00darazov\u00e9 poji\u0161t\u011bn\u00ed kryje n\u00e1sledky \u00farazu, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed zahrnuje \u0161ir\u0161\u00ed ochranu v\u010detn\u011b nemoc\u00ed a invalidity.<\/p>\n\n\n\n

3.\u2060 \u2060Vyplat\u00ed poji\u0161\u0165ovna pln\u011bn\u00ed i p\u0159i pracovn\u00ed neschopnosti?<\/strong>
Ano, pokud m\u00e1te toto p\u0159ipoji\u0161t\u011bn\u00ed sjedn\u00e1no.<\/p>\n\n\n\n

4.\u2060 \u2060Jakou pojistnou \u010d\u00e1stku zvolit?<\/strong>
Ide\u00e1ln\u011b takovou, kter\u00e1 zajist\u00ed finan\u010dn\u00ed stabilitu rodiny i p\u0159i v\u00fdpadku p\u0159\u00edjm\u016f.<\/p>\n\n\n\n

5.\u2060 \u2060Lze smlouvu b\u011bhem \u017eivota upravovat?<\/strong>
Ano, poji\u0161t\u011bn\u00ed lze p\u0159izp\u016fsobovat aktu\u00e1ln\u00ed \u017eivotn\u00ed situaci.<\/p>\n<\/div>\n<\/div>\n<\/div>

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Podnikatelsk\u00e9 poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n
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1.\u2060 \u2060Co kryje podnikatelsk\u00e9 poji\u0161t\u011bn\u00ed?<\/strong>
Majetek firmy, odpov\u011bdnost za \u0161kodu, p\u0159eru\u0161en\u00ed provozu nebo kybernetick\u00e1 rizika.<\/p>\n\n\n\n

2.\u2060 \u2060Pot\u0159ebuje poji\u0161t\u011bn\u00ed i \u017eivnostn\u00edk?<\/strong>
Ano, i drobn\u00fd podnikatel m\u016f\u017ee zp\u016fsobit \u0161kodu nebo p\u0159ij\u00edt o vybaven\u00ed.<\/p>\n\n\n\n

3.\u2060 \u2060Kryje poji\u0161t\u011bn\u00ed \u0161kody zp\u016fsoben\u00e9 zam\u011bstnanci?<\/strong>
Ano, podle sjednan\u00e9ho rozsahu poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n

4.\u2060 \u2060Co je poji\u0161t\u011bn\u00ed odpov\u011bdnosti?<\/strong>
Chr\u00e1n\u00ed v\u00e1s p\u0159ed finan\u010dn\u00edmi n\u00e1roky t\u0159et\u00edch osob za zp\u016fsoben\u00e9 \u0161kody.<\/p>\n\n\n\n

5.\u2060 \u2060Lze pojistit v\u00fdpadek p\u0159\u00edjm\u016f?<\/strong>
Ano, prost\u0159ednictv\u00edm poji\u0161t\u011bn\u00ed p\u0159eru\u0161en\u00ed provozu. <\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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Cestovn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n

1.\u2060 \u2060Pro\u010d si sjednat cestovn\u00ed poji\u0161t\u011bn\u00ed?<\/strong>
L\u00e9\u010debn\u00e9 v\u00fdlohy v zahrani\u010d\u00ed mohou st\u00e1t statis\u00edce korun.<\/p>\n\n\n\n

2.\u2060 \u2060Kdy je nejlep\u0161\u00ed poji\u0161t\u011bn\u00ed sjednat?<\/strong>
Ide\u00e1ln\u011b ihned po zakoupen\u00ed z\u00e1jezdu.<\/p>\n\n\n\n

3.\u2060 \u2060Kryje poji\u0161t\u011bn\u00ed i storno z\u00e1jezdu?<\/strong>
Ano, pokud je sjedn\u00e1no p\u0159ipoji\u0161t\u011bn\u00ed storna.<\/p>\n\n\n\n

4.\u2060 \u2060Plat\u00ed poji\u0161t\u011bn\u00ed po cel\u00e9m sv\u011bt\u011b?<\/strong>
Z\u00e1le\u017e\u00ed na sjednan\u00e9m \u00fazemn\u00edm rozsahu.<\/p>\n\n\n\n

5.\u2060 \u2060Co d\u011blat p\u0159i \u00farazu v zahrani\u010d\u00ed?<\/strong>
Kontaktujte asisten\u010dn\u00ed slu\u017ebu uvedenou na pojistn\u00e9 smlouv\u011b.<\/p>\n<\/div>\n\n\n\n

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Sjednat online<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>
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Penzijn\u00ed spo\u0159en\u00ed<\/h2>\n\n\n\n

1.\u2060 \u2060Pro\u010d si zalo\u017eit penzijn\u00ed spo\u0159en\u00ed?<\/strong>
Z\u00edsk\u00e1te st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky a vytv\u00e1\u0159\u00edte si rezervu na d\u016fchod.<\/p>\n\n\n\n

2.\u2060 \u2060Jak vysok\u00fd je st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek?<\/strong>
V\u00fd\u0161e p\u0159\u00edsp\u011bvku z\u00e1vis\u00ed na m\u011bs\u00ed\u010dn\u00ed \u00falo\u017ece.<\/p>\n\n\n\n

3.\u2060 \u2060Mohu si ode\u010d\u00edst p\u0159\u00edsp\u011bvky z dan\u00ed?<\/strong>
Ano, p\u0159i spln\u011bn\u00ed z\u00e1konn\u00fdch podm\u00ednek.<\/p>\n\n\n\n

4.\u2060 \u2060Mohu spo\u0159en\u00ed kdykoliv ukon\u010dit?<\/strong>
Ano, ale p\u0159ed\u010dasn\u00e9 ukon\u010den\u00ed m\u016f\u017ee znamenat ztr\u00e1tu v\u00fdhod.<\/p>\n\n\n\n

5.\u2060 \u2060Jak\u00e1 \u010d\u00e1stka je vhodn\u00e1 pro spo\u0159en\u00ed?<\/strong>
Doporu\u010duje se minim\u00e1ln\u011b 1 000\u20132 000 K\u010d m\u011bs\u00ed\u010dn\u011b.<\/p>\n<\/div>\n<\/div>\n<\/div>

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\u00dav\u011bry a hypot\u00e9ky<\/h2>\n\n\n\n
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1.\u2060 \u2060Jak\u00fd je rozd\u00edl mezi \u00fav\u011brem a hypot\u00e9kou?<\/strong>
Hypot\u00e9ka je zaji\u0161t\u011bna nemovitost\u00ed, b\u011b\u017en\u00fd \u00fav\u011br nikoliv.<\/p>\n\n\n\n

2.\u2060 \u2060Kolik mohu z\u00edskat na hypot\u00e9ku?<\/strong>
Z\u00e1le\u017e\u00ed na p\u0159\u00edjmech, z\u00e1vazc\u00edch a hodnot\u011b zastavovan\u00e9 nemovitosti.<\/p>\n\n\n\n

3.\u2060 \u2060Mohu hypot\u00e9ku p\u0159ed\u010dasn\u011b splatit?<\/strong>
Ano, za podm\u00ednek stanoven\u00fdch z\u00e1konem a bankou.<\/p>\n\n\n\n

4.\u2060 \u2060Jak dlouho trv\u00e1 vy\u0159\u00edzen\u00ed hypot\u00e9ky?<\/strong>
Obvykle 2\u20136 t\u00fddn\u016f.<\/p>\n\n\n\n

5.\u2060 \u2060Pom\u016f\u017eete mi porovnat nab\u00eddky bank?<\/strong>
Ano, c\u00edlem je naj\u00edt nejv\u00fdhodn\u011bj\u0161\u00ed \u0159e\u0161en\u00ed na trhu.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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Investice<\/h2>\n\n\n\n
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1.\u2060 \u2060Kolik pot\u0159ebuji pro za\u010d\u00e1tek investov\u00e1n\u00ed?<\/strong>
Investovat lze ji\u017e od n\u011bkolika stovek korun m\u011bs\u00ed\u010dn\u011b.<\/p>\n\n\n\n

2.\u2060 \u2060Jsou investice bezpe\u010dn\u00e9?<\/strong>
Ka\u017ed\u00e1 investice nese ur\u010ditou m\u00edru rizika, kterou lze spr\u00e1vn\u011b nastavit.<\/p>\n\n\n\n

3.\u2060 \u2060Jak dlouho bych m\u011bl investovat?<\/strong>
Ide\u00e1ln\u011b alespo\u0148 5 a v\u00edce let.<\/p>\n\n\n\n

4.\u2060 \u2060Mohu investovat pravideln\u011b?<\/strong>
Ano, pravideln\u00e9 investov\u00e1n\u00ed je velmi obl\u00edben\u00e9 a efektivn\u00ed.<\/p>\n\n\n\n

5.\u2060 \u2060Jak\u00e9 investice jsou pro m\u011b vhodn\u00e9?<\/strong>
To z\u00e1vis\u00ed na va\u0161ich c\u00edlech, horizontu a vztahu k riziku.<\/p>\n\n\n\n

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Stavebn\u00ed spo\u0159en\u00ed<\/h2>\n\n\n\n

1.\u2060 \u2060M\u00e1 stavebn\u00ed spo\u0159en\u00ed st\u00e1le smysl?<\/strong>
Ano, zejm\u00e9na d\u00edky st\u00e1tn\u00ed podpo\u0159e a mo\u017enosti \u010derp\u00e1n\u00ed \u00fav\u011bru.<\/p>\n\n\n\n

2.\u2060 \u2060Jak vysok\u00e1 je st\u00e1tn\u00ed podpora?<\/strong>
Je stanovena z\u00e1konem a odv\u00edj\u00ed se od ro\u010dn\u00edch vklad\u016f.<\/p>\n\n\n\n

3.\u2060 \u2060Na co lze vyu\u017e\u00edt naspo\u0159en\u00e9 prost\u0159edky?<\/strong>
Na bydlen\u00ed, rekonstrukce i dal\u0161\u00ed \u00fa\u010dely po spln\u011bn\u00ed podm\u00ednek.<\/p>\n\n\n\n

4.\u2060 \u2060Jak dlouho mus\u00edm spo\u0159it?<\/strong>
Pro pln\u00e9 vyu\u017eit\u00ed v\u00fdhod obvykle minim\u00e1ln\u011b 6 let.<\/p>\n\n\n\n

5.\u2060 \u2060Mohu z\u00edskat \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed?<\/strong>
Ano, po spln\u011bn\u00ed podm\u00ednek spo\u0159itelny lze \u010derpat zv\u00fdhodn\u011bn\u00fd \u00fav\u011br.<\/p>\n\n\n\n

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Nahoru<\/a><\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

\u010casto kladen\u00e9 dotazy P\u0159ehled nej\u010dast\u011bj\u0161\u00edch dotaz\u016f rozd\u011blen\u00fdch do jednotliv\u00fdch oblast\u00ed financ\u00ed a poji\u0161t\u011bn\u00ed. Poji\u0161t\u011bn\u00ed majetku 1.\u2060 \u2060Co v\u0161echno kryje poji\u0161t\u011bn\u00ed majetku?Poji\u0161t\u011bn\u00ed majetku chr\u00e1n\u00ed v\u00e1\u0161 d\u016fm, byt, dom\u00e1cnost i vedlej\u0161\u00ed stavby proti rizik\u016fm jako po\u017e\u00e1r, povode\u0148, vich\u0159ice, krupobit\u00ed, kr\u00e1de\u017e nebo vandalismus. 2.\u2060 \u2060Jak\u00fd je rozd\u00edl mezi poji\u0161t\u011bn\u00edm nemovitosti a dom\u00e1cnosti?Poji\u0161t\u011bn\u00ed nemovitosti kryje samotnou stavbu. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-with-title","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-252","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/aurafin.cz\/en\/wp-json\/wp\/v2\/pages\/252","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aurafin.cz\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/aurafin.cz\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/aurafin.cz\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/aurafin.cz\/en\/wp-json\/wp\/v2\/comments?post=252"}],"version-history":[{"count":35,"href":"https:\/\/aurafin.cz\/en\/wp-json\/wp\/v2\/pages\/252\/revisions"}],"predecessor-version":[{"id":473,"href":"https:\/\/aurafin.cz\/en\/wp-json\/wp\/v2\/pages\/252\/revisions\/473"}],"wp:attachment":[{"href":"https:\/\/aurafin.cz\/en\/wp-json\/wp\/v2\/media?parent=252"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}