{"id":1607,"date":"2023-06-10T12:32:10","date_gmt":"2023-06-10T10:32:10","guid":{"rendered":"https:\/\/www.multibox.sk\/clanky\/?p=1607"},"modified":"2023-06-10T12:38:31","modified_gmt":"2023-06-10T10:38:31","slug":"co-je-to-poistny-trh","status":"publish","type":"post","link":"https:\/\/www.multibox.sk\/clanky\/co-je-to-poistny-trh\/","title":{"rendered":"\u010co je to poistn\u00fd trh?"},"content":{"rendered":"\n<p><strong>Poistn\u00fd trh<\/strong> funguje na princ\u00edpe zhroma\u017e\u010fovania a&nbsp;rozde\u013eovania do\u010dasne vo\u013en\u00fdch pe\u0148a\u017en\u00fdch prostriedkov. Tento trh tvor\u00ed a&nbsp;vyu\u017e\u00edva predov\u0161etk\u00fdm rezervy. Rezervy sa vytv\u00e1raj\u00fa pre pr\u00edpad potreby a&nbsp;\u00fahrady z&nbsp;n\u00e1hodn\u00fdch poistn\u00fdch udalost\u00ed. Pre\u010d\u00edtajte si \u010dl\u00e1nok, v&nbsp;ktorom sa dozviete viac o&nbsp;poistnom trhu a&nbsp;jeho podstate.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.multibox.sk\/clanky\/wp-content\/uploads\/2023\/06\/insurance-benefits-protection-risk-security-service-concept.jpg\" alt=\"poistn\u00fd trh\" class=\"wp-image-1608\" srcset=\"https:\/\/www.multibox.sk\/clanky\/wp-content\/uploads\/2023\/06\/insurance-benefits-protection-risk-security-service-concept.jpg 1000w, https:\/\/www.multibox.sk\/clanky\/wp-content\/uploads\/2023\/06\/insurance-benefits-protection-risk-security-service-concept-300x200.jpg 300w, https:\/\/www.multibox.sk\/clanky\/wp-content\/uploads\/2023\/06\/insurance-benefits-protection-risk-security-service-concept-768x512.jpg 768w, https:\/\/www.multibox.sk\/clanky\/wp-content\/uploads\/2023\/06\/insurance-benefits-protection-risk-security-service-concept-219x146.jpg 219w, https:\/\/www.multibox.sk\/clanky\/wp-content\/uploads\/2023\/06\/insurance-benefits-protection-risk-security-service-concept-50x33.jpg 50w, https:\/\/www.multibox.sk\/clanky\/wp-content\/uploads\/2023\/06\/insurance-benefits-protection-risk-security-service-concept-112x75.jpg 112w\" sizes=\"(max-width:767px) 480px, (max-width:1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Poistn\u00fd trh a&nbsp;jeho z\u00e1kladn\u00e1 \u0161pecifik\u00e1cia<\/h2>\n\n\n\n<p>Typick\u00e9 pre <a href=\"https:\/\/clanky.online\/clanok\/poistny-trh-a-jeho-charakteristika-1541\" target=\"_blank\" rel=\"noreferrer noopener\">poistn\u00fd trh<\/a> je, \u017ee sa na \u0148om stret\u00e1va ponuka a\u00a0dopyt po poistnej a\u00a0zaistnej ochrane. Ako jedno z\u00a0najd\u00f4le\u017eitej\u0161\u00edch odvetv\u00ed trhovej ekonomiky pon\u00faka pois\u0165ovn\u00edctvo na poistnom trhu svoje produkty poistenie a\u00a0zaistenie.<\/p>\n\n\n\n<p>Ka\u017ed\u00e1 pois\u0165ov\u0148a sa mus\u00ed v&nbsp;trhovom hospod\u00e1rstve spr\u00e1va\u0165 ako podnikate\u013esk\u00fd subjekt. Zmyslom by malo by\u0165 predov\u0161etk\u00fdm podnikanie v&nbsp;pois\u0165ovn\u00edctve, ale aj investovanie do\u010dasne vo\u013en\u00fdch pe\u0148a\u017en\u00fdch prostriedkov. \u010cinnos\u0165 pois\u0165ovne sa rozde\u013euje na dva samostatn\u00e9 okruhy, a&nbsp;to na ponuku poistenia a&nbsp;dopyt po poisten\u00ed. Rozhoduj\u00facim krit\u00e9riom tohto \u010dlenenia \u010di segment\u00e1cie je predmet \u010dinnosti pois\u0165ovate\u013ea, pois\u0165ovan\u00e9 rizika, predmet poistenia, poistn\u00e9 produkty, subjekty poistenia, pois\u0165ovatelia a&nbsp;pod. Poistn\u00fd trh m\u00f4\u017eeme podrobnej\u0161ie rozdeli\u0165 na ponuku poistenia a&nbsp;zaistenia a&nbsp;dopyt po nich. Na z\u00e1klade tohto rozdelenie pozn\u00e1me \u017eivotn\u00e9 poistenie, ne\u017eivotn\u00e9 poistenie.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Komer\u010dn\u00e9 pois\u0165ovne \u2013 subjekty zabezpe\u010duj\u00face fungovanie poistn\u00e9ho trhu<\/h2>\n\n\n\n<p>Komer\u010dn\u00e9 pois\u0165ovne predstavuj\u00fa pre <em>poistn\u00fd trh<\/em> jeho z\u00e1kladn\u00fa podstatu a musia realizova\u0165 svoju pois\u0165ovaciu a\u00a0zais\u0165ovaciu \u010dinnos\u0165 na prim\u00e1rnej \u00farovni. Komer\u010dn\u00e9 pois\u0165ovne a\u00a0zais\u0165ovne realizuj\u00fa na vecnom poistnom trhu podnikanie, a\u00a0to predov\u0161etk\u00fdm svojou pois\u0165ovacou a\u00a0zais\u0165ovacou \u010dinnos\u0165ou. Na vecnom poistnom trhu p\u00f4sob\u00ed viacero subjektov, ale najd\u00f4le\u017eitej\u0161ia je \u010dinnos\u0165 komer\u010dn\u00fdch pois\u0165ovn\u00ed, ktor\u00e9 pon\u00fakaj\u00fa <a href=\"https:\/\/nasesluzby.online\/clanok\/spolahlive-poistky-potrebuje-v-dnesnej-dobe-naozaj-kazdy-1545\" target=\"_blank\" rel=\"noreferrer noopener\">poistenie<\/a> i\u00a0zaistenie.<\/p>\n\n\n\n<p>Predmetom podnikania na vecnom poistnom trhu je pois\u0165ovacia \u010dinnos\u0165, zais\u0165ovacia \u010dinnos\u0165 a\u00a0sprostredkovanie zaistenia. Na vecnom poistnom trhu sa vykon\u00e1va poistenie ako zmluvn\u00e9 poistenie a\u00a0povinn\u00e9 zmluvn\u00e9 poistenie. Prostredn\u00edctvom poistenia maj\u00fa podnikate\u013esk\u00e9 subjekty a\u00a0ob\u010dania mo\u017enos\u0165, zabezpe\u010di\u0165 si platenia poistn\u00e9ho plnenia pois\u0165ovne v\u00a0pr\u00edpade vzniku <a href=\"https:\/\/www.multibox.sk\/clanky\/poisti-sa-online-rychle-a-jednoduche-poistenie-auta\/\" target=\"_blank\" rel=\"noreferrer noopener\">poistnej udalosti. <\/a>Pre v\u0161etky pe\u0148a\u017en\u00e9 in\u0161tit\u00facie vo finan\u010dnom syst\u00e9me je typick\u00e1 \u010dinnos\u0165 investova\u0165 do\u010dasne vo\u013en\u00e9 pe\u0148a\u017en\u00e9 prostriedky. Preto na poistn\u00fd trh vstupuj\u00fa komer\u010dn\u00e9 pois\u0165ovne ako podnikate\u013esk\u00e9 subjekty. Ka\u017ed\u00e1 komer\u010dn\u00e1 pois\u0165ov\u0148a, ako podnikate\u013esk\u00fd subjekt by mala investova\u0165 vo\u013en\u00e9 pe\u0148a\u017en\u00e9 prostriedky, aby prin\u00e1\u0161ali zisk pre v\u0161etk\u00fdch \u00fa\u010dastn\u00edkov.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Poistn\u00fd trh funguje na princ\u00edpe zhroma\u017e\u010fovania a&nbsp;rozde\u013eovania do\u010dasne vo\u013en\u00fdch pe\u0148a\u017en\u00fdch prostriedkov. Tento trh tvor\u00ed a&nbsp;vyu\u017e\u00edva<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":6,"featured_media":1609,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"_links":{"self":[{"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/posts\/1607"}],"collection":[{"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/comments?post=1607"}],"version-history":[{"count":3,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/posts\/1607\/revisions"}],"predecessor-version":[{"id":1613,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/posts\/1607\/revisions\/1613"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/media\/1609"}],"wp:attachment":[{"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/media?parent=1607"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/categories?post=1607"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/tags?post=1607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}