{"id":5336,"date":"2024-03-13T09:30:07","date_gmt":"2024-03-13T08:30:07","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5336"},"modified":"2024-03-13T09:30:07","modified_gmt":"2024-03-13T08:30:07","slug":"terorismus-a-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2024\/03\/13\/terorismus-a-zivotni-pojisteni\/","title":{"rendered":"Terorismus a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed"},"content":{"rendered":"<p><strong>Na dovolenou se ji\u017e d\u00e1vno nejezd\u00ed jen do evropsk\u00fdch resort\u016f. \u0158ada z n\u00e1s vyr\u00e1\u017e\u00ed \u201eza hranice v\u0161edn\u00edch dn\u00ed\u201c po cel\u00e9m sv\u011bt\u011b a \u010dasto po vlastn\u00ed ose. O\u010dek\u00e1v\u00e1me p\u0159\u00edjemn\u00e9 z\u00e1\u017eitky, kter\u00e9 ob\u010das oko\u0159en\u00ed n\u011bco adrenalinov\u00e9ho. Jen\u017ee to nen\u00ed v\u0161e, s \u010d\u00edm se m\u016f\u017eeme na cest\u00e1ch setkat.<\/strong><br \/>\n<strong>Ob\u010dansk\u00e9 nepokoje, teroristick\u00e9 \u00fatoky \u010di dokonce v\u00e1lka jsou situace, kter\u00e9 n\u00e1s m\u016f\u017eou potkat kdykoliv a kdekoliv.<\/strong><br \/>\n<strong>S rostouc\u00edm po\u010dtem, nar\u016fstaj\u00edc\u00ed brutalitou, a i relativn\u00ed bl\u00edzkost\u00ed konflikt\u016f se do na\u0161\u00edch mysl\u00ed vkr\u00e1daj\u00ed obavy. Jak se k terorismu stav\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/strong><\/p>\n<h2><strong>Definice terorismus<\/strong><\/h2>\n<p>Terorismus zna\u010dn\u011b ob\u0161\u00edrn\u011b definuje <a href=\"https:\/\/www.zakonyprolidi.cz\/cs\/2009-40#cast2\">\u00a7311 Trestn\u00edho z\u00e1kon\u00edku<\/a>. Velmi zjednodu\u0161en\u011b ho lze popsat jako \u010din jedn\u00e9 osoby nebo skupiny osob sp\u00e1chan\u00fd z politick\u00fdch, n\u00e1bo\u017eensk\u00fdch nebo ideologick\u00fdch d\u016fvod\u016f s \u00famyslem ovlivnit kteroukoliv vl\u00e1du, anebo nahnat ve\u0159ejnosti strach.<\/p>\n<p>P\u00e1r let zp\u00e1tky byly v\u00e1lky, nepokoje a terorismus obecn\u011b ve v\u00fdluk\u00e1ch v\u00a0ka\u017ed\u00e9m poji\u0161t\u011bn\u00ed. V\u00a0pr\u016fb\u011bhu let se ale p\u0159istup poji\u0161\u0165oven zm\u011bnil a dnes ji\u017e k t\u00e9to v\u00fdluce p\u0159istupuj\u00ed mnohem shov\u00edvav\u011bji.<\/p>\n<h2><strong>Pro\u010d jsou v\u00e1lky a terorismus ve v\u00fdluk\u00e1ch<\/strong><\/h2>\n<p>P\u0159i kalkulaci ceny poji\u0161t\u011bn\u00ed poji\u0161\u0165ovna zohled\u0148uje v\u0161echna mo\u017en\u00e1 rizika, kter\u00e1 mohou nastat, jako i v\u00fd\u0161i \u0161kody, kterou by musela nahradit. P\u0159i v\u00e1lk\u00e1ch, teroristick\u00fdch \u00fatoc\u00edch nebo ozbrojen\u00fdch konfliktech m\u016f\u017ee vzniknout obrovsk\u00e9 mno\u017estv\u00ed \u0161kod jak na lidsk\u00fdch \u017eivotech tak i na majetku v\u00a0nevy\u010d\u00edsliteln\u00e9 hodnot\u011b. Kdyby m\u011bla poji\u0161\u0165ovna plnit za v\u0161echny \u0161kody, kter\u00e9 by vznikli n\u00e1sledkem takov\u00fdch \u010din\u016f, znamenalo by to pro ni p\u0159\u00edli\u0161 vysok\u00e9 riziko. A \u010d\u00edm je vy\u0161\u0161\u00ed riziko, t\u00edm je vy\u0161\u0161\u00ed cena poji\u0161t\u011bn\u00ed. V\u00fdplata pln\u011bn\u00ed za takov\u00e9 rozs\u00e1hl\u00e9 \u0161kodn\u00ed ud\u00e1losti by mohla ohrozit stabilitu poji\u0161\u0165ovny. Proto jsou ud\u00e1lost\u00ed, p\u0159i kter\u00fdch vznikaj\u00ed obrovsk\u00e9 \u0161kody, jako v\u00e1lky a ozbrojen\u00e9 konflikty ve v\u00fdluk\u00e1ch t\u00e9m\u011b\u0159 ka\u017ed\u00e9ho poji\u0161t\u011bn\u00ed.<\/p>\n<p><a href=\"https:\/\/www.iii.org\/sites\/default\/files\/docs\/pdf\/sept11paper.pdf\">Nejv\u011bt\u0161\u00edm teroristick\u00fdm \u00fatokem<\/a> co do po\u010dtu ob\u011bt\u00ed a \u0161kod na majetku z\u016fst\u00e1v\u00e1 \u00fatok na World Trade Center v\u00a0New Yorku z\u00a011. 9. 2001. P\u0159i \u00fatoku zem\u0159elo 2976 lid\u00ed a 19 terorist\u016f a v\u00edce ne\u017e 2500 osob utrp\u011blo zran\u011bn\u00ed. Poji\u0161\u0165ovny vyplatily pln\u011bn\u00ed za v\u00edce ne\u017e 51\u00a0000 pojistn\u00fdch ud\u00e1lost\u00ed v\u00a0celkov\u00e9 \u010d\u00e1stce <a href=\"https:\/\/www.iii.org\/sites\/default\/files\/TerrorismThreat_042010.pdf\">39,4 miliardy UDS<\/a>.<\/p>\n<h2>Kdy je za terorismus pln\u011bno<\/h2>\n<p>V\u00a0pr\u016fb\u011bhu let se postoj poji\u0161\u0165oven k\u00a0teroristick\u00fdm \u00fatok\u016f zm\u00edrnil. V\u00a0p\u0159\u00edpad\u011b, \u017ee se stanete ob\u011bt\u00ed teroristick\u00e9ho \u010dinu, pln\u011bn\u00ed ze \u017eivotn\u00edho poji\u0161t\u011bn\u00ed v\u00e1m n\u00e1le\u017e\u00ed a pak bude i vyplaceno. Ale\u2026<\/p>\n<p>I zde plat\u00ed jist\u00e9 podm\u00ednky, kdy n\u00e1rok na pln\u011bn\u00ed vznik\u00e1. V\u00a0prvn\u00ed \u0159ade v\u00a0tom mus\u00edte b\u00fdt nevinn\u011b. Jestli se prok\u00e1\u017ee, \u017ee jste byli akt\u00e9rem teroristick\u00e9ho \u00fatoku, podn\u011bcovali nepokoje nebo nap\u0159. h\u00e1zeli z\u00e1paln\u00e9 l\u00e1hve, pln\u011bn\u00ed vyplaceno nebude. A to ani v\u00a0p\u0159\u00edpad\u011b, \u017ee bojujete za dobrou v\u011bc.<\/p>\n<p>Druhou podm\u00ednkou je, \u017ee jste se na m\u00edst\u011b \u010dinu ocitli n\u00e1hodou. To znamen\u00e1, \u017ee jste nevycestovali do zem\u011b a\u017e pot\u00e9, kdy u\u017e bylo ve\u0159ejn\u011b zn\u00e1mo, \u017ee zde prob\u00edh\u00e1 v\u00e1le\u010dn\u00fd konflikt, ob\u010dansk\u00e9 nepokoje nebo zde hroz\u00ed teroristick\u00fd \u00fatok. <a href=\"https:\/\/www.mzv.cz\/jnp\/cz\/cestujeme\/aktualni_doporuceni_a_varovani\/index.html\">Ministerstvo zahrani\u010dn\u00edch v\u011bc\u00ed<\/a> na sv\u00fdch str\u00e1nk\u00e1ch pravideln\u011b aktualizuje sv\u00e1 doporu\u010den\u00ed a varov\u00e1n\u00ed p\u0159i cestov\u00e1n\u00ed do rizikov\u00fdch zem\u00ed. Pokud i navzdory takov\u00e9mu varov\u00e1n\u00ed do rizikov\u00e9 krajiny nebo oblasti vycestujete a potk\u00e1 v\u00e1s zde ne\u0161t\u011bst\u00ed, poji\u0161\u0165ovna bude m\u00edt pln\u00e9 pr\u00e1vo pln\u011bn\u00ed odm\u00edtnout. Ne\u017e vycestujete za hranice, v\u017edy se na str\u00e1nk\u00e1ch Ministerstva zahrani\u010dn\u00edch v\u011bc\u00ed informujte o situaci v\u00a0dan\u00e9 lokalit\u011b. Proto\u017ee neznalost v\u00e1s neomlouv\u00e1.<\/p>\n<p>M\u011bjte na pam\u011bti, \u017ee kdykoliv jdete riziku naproti, \u010di u\u017e aktivn\u00ed \u00fa\u010dast\u00ed v\u00a0demonstrac\u00edch nebo dokonce \u00fatoc\u00edch nebo nerespektov\u00e1n\u00edm doporu\u010den\u00ed autorit necestovat do rizikov\u00fdch oblast\u00ed, v\u00fdrazn\u011b t\u00edm sni\u017eujete sv\u016fj n\u00e1rok na pojistn\u00e9 pln\u011bn\u00ed p\u0159i pojistn\u00e9 ud\u00e1losti.<\/p>\n<p>Na\u0161t\u011bst\u00ed jsou zat\u00edm teroristick\u00e9 \u00fatoky velmi vz\u00e1cn\u00e9. Ale m\u016f\u017eou nastat. A proto je lep\u0161\u00ed b\u00fdt p\u0159ipraven a dob\u0159e poji\u0161t\u011bn. I pro p\u0159\u00edpad nepravd\u011bpodobn\u00e9 a nep\u0159edv\u00eddateln\u00e9 situace, jako je teroristick\u00fd \u00fatok. Mutumutu v\u00e1s kryje nejen p\u0159i teroristick\u00fdch \u00fatoc\u00edch, ale tak\u00e9 v\u00e1s ochr\u00e1n\u00ed i v\u00a0situac\u00edch, kdy je kv\u016fli nemoci nebo \u00farazu ohro\u017een v\u00e1\u0161 p\u0159\u00edjem. A takov\u00e9 situace mohou ve va\u0161em \u017eivot\u011b nastat mnohem \u010dast\u011bji.<\/p>\n<p><a href=\"https:\/\/www.mutumutu.cz\/kalkulacka\/uvod\"><span style=\"font-weight: 400\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/www.mutumutu.cz\/kalkulacka\/uvod'>Chci se pojistit<\/a><\/div><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Na dovolenou se ji\u017e d\u00e1vno nejezd\u00ed jen do evropsk\u00fdch resort\u016f. \u0158ada z n\u00e1s vyr\u00e1\u017e\u00ed \u201eza hranice v\u0161edn\u00edch dn\u00ed\u201c po cel\u00e9m sv\u011bt\u011b a \u010dasto po vlastn\u00ed ose. O\u010dek\u00e1v\u00e1me p\u0159\u00edjemn\u00e9 z\u00e1\u017eitky, kter\u00e9 ob\u010das oko\u0159en\u00ed n\u011bco adrenalinov\u00e9ho. Jen\u017ee to nen\u00ed v\u0161e, s \u010d\u00edm se m\u016f\u017eeme na cest\u00e1ch setkat. Ob\u010dansk\u00e9 nepokoje, teroristick\u00e9 \u00fatoky \u010di dokonce v\u00e1lka jsou situace, kter\u00e9  &#8230;<\/p>\n","protected":false},"author":49,"featured_media":5337,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5336","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5336","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=5336"}],"version-history":[{"count":1,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5336\/revisions"}],"predecessor-version":[{"id":5338,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5336\/revisions\/5338"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/5337"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=5336"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=5336"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=5336"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}