{"id":61511,"date":"2023-12-08T20:25:36","date_gmt":"2023-12-08T11:25:36","guid":{"rendered":"https:\/\/monolith.law\/cs\/?p=61511"},"modified":"2024-03-29T16:07:34","modified_gmt":"2024-03-29T07:07:34","slug":"insurance-unlicensed-provided","status":"publish","type":"post","link":"https:\/\/monolith.law\/cs\/general-corporate\/insurance-unlicensed-provided","title":{"rendered":"Probl\u00e9my s nab\u00eddkou 'Japonsk\u00fdch poji\u0161\u0165ovac\u00edch opc\u00ed' ~ Je mo\u017en\u00e9 je nab\u00edzet bez licence pro japonsk\u00fd poji\u0161\u0165ovac\u00ed pr\u016fmysl? ~"},"content":{"rendered":"\n<p>Mysl\u00edm, \u017ee mnoho z v\u00e1s uva\u017eovalo o poji\u0161t\u011bn\u00ed p\u0159i \u017eivotn\u00edch ud\u00e1lostech, jako je s\u0148atek, n\u00e1kup domu nebo narozen\u00ed d\u00edt\u011bte. V z\u00e1vislosti na ekonomick\u00e9 situaci m\u016f\u017eete tak\u00e9 zv\u00e1\u017eit zm\u011bnu obsahu poji\u0161t\u011bn\u00ed, kter\u00e9 jste p\u016fvodn\u011b uzav\u0159eli. Jako poji\u0161\u0165ovna tak\u00e9 chceme b\u00fdt schopni reagovat na flexibiln\u00ed zm\u011bny pl\u00e1n\u016f.<\/p>\n\n\n\n<p>Nap\u0159\u00edklad, pokud poskytujete produkty nebo slu\u017eby s mo\u017enostmi podobn\u00fdmi poji\u0161t\u011bn\u00ed (d\u00e1le jen &#8220;mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed&#8221;), jako je zv\u00fd\u0161en\u00ed maxim\u00e1ln\u00ed \u010d\u00e1stky n\u00e1hrady \u0161kody nebo vylou\u010den\u00ed v\u00fdjimek za podm\u00ednky zv\u00fd\u0161en\u00ed poplatku za pou\u017eit\u00ed, jak\u00e9 body by mohly b\u00fdt pr\u00e1vn\u011b problematick\u00e9?<\/p>\n\n\n\n<p>P\u0159i provozov\u00e1n\u00ed poji\u0161\u0165ovac\u00edho podnik\u00e1n\u00ed je t\u0159eba z\u00edskat licenci podle z\u00e1kona o poji\u0161\u0165ovnictv\u00ed (japonsk\u00fd z\u00e1kon o poji\u0161\u0165ovnictv\u00ed). V tomto \u010dl\u00e1nku vysv\u011btl\u00edme, zda je poskytov\u00e1n\u00ed mo\u017enost\u00ed podobn\u00fdch poji\u0161t\u011bn\u00ed bez z\u00edsk\u00e1n\u00ed licence na poji\u0161\u0165ovac\u00ed podnik\u00e1n\u00ed v rozporu se z\u00e1konem o poji\u0161\u0165ovnictv\u00ed pro spole\u010dnosti, kter\u00e9 zva\u017euj\u00ed poskytov\u00e1n\u00ed mo\u017enost\u00ed podobn\u00fdch poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_53 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/insurance-unlicensed-provided\/#Co_je_to_zakon_o_pojistovnictvi\" title=\"Co je to z\u00e1kon o poji\u0161\u0165ovnictv\u00ed\">Co je to z\u00e1kon o poji\u0161\u0165ovnictv\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/insurance-unlicensed-provided\/#Spadaji_podobne_moznosti_pojisteni_do_kategorie_pojisteni_nebo_zarucnich_cennych_papiru\" title=\"Spadaj\u00ed podobn\u00e9 mo\u017enosti poji\u0161t\u011bn\u00ed do kategorie poji\u0161t\u011bn\u00ed nebo z\u00e1ru\u010dn\u00edch cenn\u00fdch pap\u00edr\u016f?\">Spadaj\u00ed podobn\u00e9 mo\u017enosti poji\u0161t\u011bn\u00ed do kategorie poji\u0161t\u011bn\u00ed nebo z\u00e1ru\u010dn\u00edch cenn\u00fdch pap\u00edr\u016f?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/insurance-unlicensed-provided\/#Moznosti_podobne_pojisteni_nespadaji_do_kategorie_pojisteni\" title=\"Mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed nespadaj\u00ed do kategorie poji\u0161t\u011bn\u00ed\">Mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed nespadaj\u00ed do kategorie poji\u0161t\u011bn\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/insurance-unlicensed-provided\/#Moznosti_podobne_pojisteni_nespadaji_do_kategorie_zarucnich_cennych_papiru\" title=\"Mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed nespadaj\u00ed do kategorie z\u00e1ru\u010dn\u00edch cenn\u00fdch pap\u00edr\u016f\">Mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed nespadaj\u00ed do kategorie z\u00e1ru\u010dn\u00edch cenn\u00fdch pap\u00edr\u016f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/insurance-unlicensed-provided\/#Je_nutne_stat_se_pojistovacim_zprostredkovatelem_nebo_pojistovaci_agenturou\" title=\"Je nutn\u00e9 st\u00e1t se poji\u0161\u0165ovac\u00edm zprost\u0159edkovatelem nebo poji\u0161\u0165ovac\u00ed agenturou?\">Je nutn\u00e9 st\u00e1t se poji\u0161\u0165ovac\u00edm zprost\u0159edkovatelem nebo poji\u0161\u0165ovac\u00ed agenturou?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/insurance-unlicensed-provided\/#Shrnuti\" title=\"Shrnut\u00ed\">Shrnut\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/monolith.law\/cs\/general-corporate\/insurance-unlicensed-provided\/#Predstaveni_opatreni_nasi_kancelare\" title=\"P\u0159edstaven\u00ed opat\u0159en\u00ed na\u0161\u00ed kancel\u00e1\u0159e\">P\u0159edstaven\u00ed opat\u0159en\u00ed na\u0161\u00ed kancel\u00e1\u0159e<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Co_je_to_zakon_o_pojistovnictvi\"><\/span>Co je to z\u00e1kon o poji\u0161\u0165ovnictv\u00ed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2021\/06\/Insurance-Unlicensed-Provided1.jpg\" alt=\"\" class=\"wp-image-33249\" \/><\/figure>\n\n\n\n<p>Z\u00e1kon o poji\u0161\u0165ovnictv\u00ed je,<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>z\u00e1kona, kter\u00fd byl vytvo\u0159en s c\u00edlem zajistit ve\u0159ejn\u00fd z\u00e1jem v poji\u0161\u0165ovnictv\u00ed, zdrav\u00e9 a spr\u00e1vn\u00e9 provozov\u00e1n\u00ed podnik\u00e1n\u00ed t\u011bmi, kte\u0159\u00ed se zab\u00fdvaj\u00ed poji\u0161\u0165ovnictv\u00edm, a spravedlnost v nab\u00edr\u00e1n\u00ed poji\u0161t\u011bn\u00ed, chr\u00e1nit poji\u0161t\u011bnce atd., a t\u00edm p\u0159isp\u011bt k stabilit\u011b \u017eivota ob\u010dan\u016f a zdrav\u00e9mu rozvoji n\u00e1rodn\u00ed ekonomiky.<\/p>\n<cite>\u010cl\u00e1nek 1 z\u00e1kona o poji\u0161\u0165ovnictv\u00ed (Japonsk\u00fd z\u00e1kon o poji\u0161\u0165ovnictv\u00ed)<\/cite><\/blockquote>\n\n\n\n<p>Podle z\u00e1kona o poji\u0161\u0165ovnictv\u00ed je poji\u0161\u0165ovnictv\u00ed definov\u00e1no jako &#8220;podnik\u00e1n\u00ed, kter\u00e9 se zab\u00fdv\u00e1 p\u0159ij\u00edm\u00e1n\u00edm poji\u0161t\u011bn\u00ed, kter\u00e9 se zavazuje k platb\u011b ur\u010dit\u00e9 \u010d\u00e1stky pojistn\u00e9ho v souvislosti s p\u0159e\u017eit\u00edm nebo smrt\u00ed \u010dlov\u011bka a inkasuje pojistn\u00e9, poji\u0161t\u011bn\u00ed, kter\u00e9 se zavazuje k n\u00e1hrad\u011b \u0161kody, kter\u00e1 m\u016f\u017ee vzniknout v d\u016fsledku ur\u010dit\u00e9 n\u00e1hodn\u00e9 ud\u00e1losti a inkasuje pojistn\u00e9, a jin\u00e9 poji\u0161t\u011bn\u00ed.&#8221;<\/p>\n\n\n\n<p>Podle \u010dl\u00e1nku 3 z\u00e1kona o poji\u0161\u0165ovnictv\u00ed m\u016f\u017ee poji\u0161\u0165ovnictv\u00ed provozovat pouze osoba, kter\u00e1 obdr\u017eela licenci od p\u0159edsedy vl\u00e1dy.<\/p>\n\n\n\n<p>Proto je t\u0159eba zv\u00e1\u017eit, zda se voliteln\u00e9 slu\u017eby, kter\u00e9 nab\u00edz\u00ed spole\u010dnosti bez licence, t\u00fdkaj\u00ed poji\u0161t\u011bn\u00ed, pokud tyto spole\u010dnosti nab\u00edzej\u00ed produkty nebo slu\u017eby s voliteln\u00fdmi slu\u017ebami podobn\u00fdmi poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Spadaji_podobne_moznosti_pojisteni_do_kategorie_pojisteni_nebo_zarucnich_cennych_papiru\"><\/span>Spadaj\u00ed podobn\u00e9 mo\u017enosti poji\u0161t\u011bn\u00ed do kategorie poji\u0161t\u011bn\u00ed nebo z\u00e1ru\u010dn\u00edch cenn\u00fdch pap\u00edr\u016f?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Existuj\u00ed dva typy licenc\u00ed pro poji\u0161\u0165ovac\u00ed podnik\u00e1n\u00ed, \u017eivotn\u00ed poji\u0161\u0165ovac\u00ed licence a licence pro \u0161kodov\u00e9 poji\u0161t\u011bn\u00ed. Mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed mohou spadat pod licenci pro \u0161kodov\u00e9 poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p>Pokud mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed spadaj\u00ed do kategorie &#8220;poji\u0161t\u011bn\u00ed, kter\u00e9 se zavazuje k n\u00e1hrad\u011b \u0161kod zp\u016fsoben\u00fdch ur\u010dit\u00fdmi n\u00e1hodn\u00fdmi ud\u00e1lostmi a p\u0159ij\u00edm\u00e1 pojistn\u00e9&#8221; nebo &#8220;z\u00e1ru\u010dn\u00ed cenn\u00e9 pap\u00edry&#8221;, mus\u00ed b\u00fdt z\u00edsk\u00e1na licence pro \u0161kodov\u00e9 poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Moznosti_podobne_pojisteni_nespadaji_do_kategorie_pojisteni\"><\/span>Mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed nespadaj\u00ed do kategorie poji\u0161t\u011bn\u00ed<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>V r\u00e1mci japonsk\u00e9ho z\u00e1kona o poji\u0161\u0165ovnictv\u00ed (Japanese Insurance Business Act) nen\u00ed definov\u00e1no poji\u0161t\u011bn\u00ed, a proto je<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>nutn\u00e9 se rozhodnout na z\u00e1klad\u011b ekonomick\u00fdch charakteristik, legislativn\u00edho z\u00e1m\u011bru z\u00e1kona o poji\u0161\u0165ovnictv\u00ed a spole\u010densk\u00fdch norem<\/p>\n<cite>Kansai Insurance Law Study Group &#8220;Commentary on the Insurance Business Act (I)&#8221; (d\u00e1le jen &#8220;Commentary&#8221;) strana 196<\/cite><\/blockquote>\n\n\n\n<p>Toto je pova\u017eov\u00e1no za z\u00e1klad. Z tohoto hlediska, kdy\u017e se zkoumaj\u00ed mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed, mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed nejsou<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>syst\u00e9m nebo za\u0159\u00edzen\u00ed, kter\u00e9 shroma\u017e\u010fuje mnoho stejn\u00fdch rizik a rozptyluje riziko<\/p>\n<cite>Commentary, strana 196<\/cite><\/blockquote>\n\n\n\n<p>to nelze \u0159\u00edci.<\/p>\n\n\n\n<p>V p\u0159\u00edpad\u011b \u0161kody bude od spole\u010dnosti vyplacena n\u00e1hrada u\u017eivateli, ale zdrojem t\u011bchto prost\u0159edk\u016f nen\u00ed shrom\u00e1\u017ed\u011bn\u00fd poplatek od u\u017eivatele, ale pojistn\u00e9 vyplacen\u00e9 poji\u0161\u0165ovnou spole\u010dnosti.<\/p>\n\n\n\n<p>Tak\u00e9,<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>pojistn\u00edk p\u0159en\u00e1\u0161\u00ed riziko na poji\u0161\u0165ovnu v\u00fdm\u011bnou za pojistn\u00e9 prost\u0159ednictv\u00edm pojistn\u00e9 smlouvy s poji\u0161\u0165ovnou<\/p>\n<cite>Commentary, strana 196<\/cite><\/blockquote>\n\n\n\n<p>to nen\u00ed charakteristick\u00e9.<\/p>\n\n\n\n<p>Poplatek, kter\u00fd u\u017eivatel plat\u00ed spole\u010dnosti, nen\u00ed pojistn\u00e9 a n\u00e1zev smlouvy, kterou uzav\u00edraj\u00ed, nen\u00ed pojistn\u00e1 smlouva. Nav\u00edc, jak bylo uvedeno v\u00fd\u0161e, n\u00e1hrada za \u0161kodu poch\u00e1z\u00ed z pojistn\u00e9ho vyplacen\u00e9ho poji\u0161\u0165ovnou spole\u010dnosti, tak\u017ee nelze \u0159\u00edci, \u017ee riziko je p\u0159eneseno na spole\u010dnost. Z t\u011bchto d\u016fvod\u016f se d\u00e1 \u0159\u00edci, \u017ee mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed nespadaj\u00ed do kategorie poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Moznosti_podobne_pojisteni_nespadaji_do_kategorie_zarucnich_cennych_papiru\"><\/span>Mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed nespadaj\u00ed do kategorie z\u00e1ru\u010dn\u00edch cenn\u00fdch pap\u00edr\u016f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Z\u00e1ru\u010dn\u00ed cenn\u00e9 pap\u00edry jsou definov\u00e1ny podle \u010dl\u00e1nku 3 odstavec 6 japonsk\u00e9ho z\u00e1kona o poji\u0161\u0165ovnictv\u00ed (Japanese Insurance Business Act) jako<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>podnik\u00e1n\u00ed, kter\u00e9 se zavazuje zaru\u010dit pln\u011bn\u00ed smluvn\u00edch z\u00e1vazk\u016f nebo povinnost\u00ed stanoven\u00fdch z\u00e1konem a p\u0159ij\u00edm\u00e1 za to protihodnotu, a kter\u00e9 se prov\u00e1d\u00ed pomoc\u00ed metod specifick\u00fdch pro poji\u0161t\u011bn\u00ed, jako je ur\u010dov\u00e1n\u00ed t\u00e9to protihodnoty na z\u00e1klad\u011b poji\u0161\u0165ovac\u00ed matematiky, tvorba rezerv a rozptylov\u00e1n\u00ed rizika prost\u0159ednictv\u00edm reinsurance<\/p>\n<\/blockquote>\n\n\n\n<p>Podle t\u00e9to definice.<\/p>\n\n\n\n<p>Mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed mohou b\u00fdt pova\u017eov\u00e1ny za &#8220;podnik\u00e1n\u00ed, kter\u00e9 se zavazuje zaru\u010dit pln\u011bn\u00ed smluvn\u00edch z\u00e1vazk\u016f nebo povinnost\u00ed stanoven\u00fdch z\u00e1konem a p\u0159ij\u00edm\u00e1 za to protihodnotu&#8221;, ale nejsou &#8220;ur\u010dov\u00e1ny na z\u00e1klad\u011b poji\u0161\u0165ovac\u00ed matematiky, tvorba rezerv a rozptylov\u00e1n\u00ed rizika prost\u0159ednictv\u00edm reinsurance a prov\u00e1d\u011bn\u00ed jin\u00fdch metod specifick\u00fdch pro poji\u0161t\u011bn\u00ed&#8221;, a proto se nepova\u017euj\u00ed za z\u00e1ru\u010dn\u00ed cenn\u00e9 pap\u00edry.<\/p>\n\n\n\n<p>&#8220;Poji\u0161\u0165ovac\u00ed matematika&#8221; se vztahuje na matematick\u00e9 v\u00fdpo\u010dty a teorie t\u00fdkaj\u00edc\u00ed se poji\u0161\u0165ovac\u00edho podnik\u00e1n\u00ed a prov\u00e1d\u011bn\u00ed rizikov\u00e9ho hodnocen\u00ed pomoc\u00ed statistiky.<\/p>\n\n\n\n<p>V p\u0159\u00edpad\u011b mo\u017enost\u00ed podobn\u00fdch poji\u0161t\u011bn\u00ed se jedn\u00e1 o zv\u00fd\u0161en\u00ed ro\u010dn\u00edho poplatku o jednoduch\u00e9 procento, co\u017e vede ke zv\u00fd\u0161en\u00ed maxim\u00e1ln\u00ed \u010d\u00e1stky n\u00e1hrady \u0161kody a vylou\u010den\u00ed v\u00fdjimek z odpov\u011bdnosti, a nelze \u0159\u00edci, \u017ee je to &#8220;ur\u010deno na z\u00e1klad\u011b poji\u0161\u0165ovac\u00ed matematiky&#8221;.<\/p>\n\n\n\n<p>Nav\u00edc, pokud spole\u010dnost nen\u00ed poji\u0161\u0165ovna, mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed nespadaj\u00ed do kategorie reinsurance, a proto nelze \u0159\u00edci, \u017ee jsou &#8220;prov\u00e1d\u011bny pomoc\u00ed metod specifick\u00fdch pro poji\u0161t\u011bn\u00ed&#8221;.<\/p>\n\n\n\n<p>Z toho vypl\u00fdv\u00e1, \u017ee mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed nespadaj\u00ed do kategorie z\u00e1ru\u010dn\u00edch cenn\u00fdch pap\u00edr\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Je_nutne_stat_se_pojistovacim_zprostredkovatelem_nebo_pojistovaci_agenturou\"><\/span>Je nutn\u00e9 st\u00e1t se poji\u0161\u0165ovac\u00edm zprost\u0159edkovatelem nebo poji\u0161\u0165ovac\u00ed agenturou?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2021\/06\/Insurance-Unlicensed-Provided2-1.jpg\" alt=\"\" class=\"wp-image-33250\" \/><\/figure>\n\n\n\n<p>Nab\u00eddka mo\u017enost\u00ed podobn\u00fdch poji\u0161t\u011bn\u00ed neznamen\u00e1 prodej poji\u0161\u0165ovac\u00edch produkt\u016f poji\u0161\u0165ovny jako zprost\u0159edkovatel nebo z\u00e1stupce, a proto nen\u00ed nutn\u00e9 pod\u00e1vat ozn\u00e1men\u00ed o poji\u0161\u0165ovac\u00edm zprost\u0159edkovateli nebo se registrovat jako poji\u0161\u0165ovac\u00ed agentura.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Shrnuti\"><\/span>Shrnut\u00ed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Jak jsme vid\u011bli v\u00fd\u0161e, mo\u017enosti podobn\u00e9 poji\u0161t\u011bn\u00ed nespadaj\u00ed pod poji\u0161t\u011bn\u00ed a je m\u00e1lo pravd\u011bpodobn\u00e9, \u017ee by poskytov\u00e1n\u00ed mo\u017enost\u00ed podobn\u00fdch poji\u0161t\u011bn\u00ed bez licence pro poji\u0161\u0165ovac\u00ed \u010dinnost bylo pova\u017eov\u00e1no za poru\u0161en\u00ed Japonsk\u00e9ho z\u00e1kona o poji\u0161\u0165ovac\u00ed \u010dinnosti.<\/p>\n\n\n\n<p>Rovn\u011b\u017e nen\u00ed t\u0159eba pod\u00e1vat ozn\u00e1men\u00ed o zprost\u0159edkovateli poji\u0161t\u011bn\u00ed ani se registrovat jako poji\u0161\u0165ovac\u00ed agent. Nicm\u00e9n\u011b, v z\u00e1vislosti na obsahu a form\u011b prodeje mo\u017enost\u00ed, mohou b\u00fdt pova\u017eov\u00e1ny za poji\u0161t\u011bn\u00ed, tak\u017ee pokud m\u00e1te obavy, m\u011bli byste se poradit s pr\u00e1vn\u00edkem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Predstaveni_opatreni_nasi_kancelare\"><\/span>P\u0159edstaven\u00ed opat\u0159en\u00ed na\u0161\u00ed kancel\u00e1\u0159e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Pr\u00e1vn\u00ed kancel\u00e1\u0159 Monolis je pr\u00e1vn\u00ed kancel\u00e1\u0159 s vysokou odbornost\u00ed v oblasti IT, zejm\u00e9na internetu a pr\u00e1va. P\u0159i uzav\u00edr\u00e1n\u00ed pojistn\u00e9 smlouvy je b\u011b\u017en\u00e9 vytv\u00e1\u0159et smlouvu.<\/p>\n\n\n\n<p>Na\u0161e kancel\u00e1\u0159 prov\u00e1d\u00ed vytv\u00e1\u0159en\u00ed a revizi smluv pro r\u016fzn\u00e9 p\u0159\u00edpady, od spole\u010dnost\u00ed k\u00f3tovan\u00fdch na Tokyo Stock Exchange Prime a\u017e po startupy. Pokud m\u00e1te pot\u00ed\u017ee se smlouvou, pros\u00edm, pod\u00edvejte se na n\u00e1sleduj\u00edc\u00ed \u010dl\u00e1nek.<\/p>\n\n\n\n<p><a href=\"https:\/\/monolith.law\/contractcreation\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/monolith.law\/contractcreation[ja]<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mysl\u00edm, \u017ee mnoho z v\u00e1s uva\u017eovalo o poji\u0161t\u011bn\u00ed p\u0159i \u017eivotn\u00edch ud\u00e1lostech, jako je s\u0148atek, n\u00e1kup domu nebo narozen\u00ed d\u00edt\u011bte. V z\u00e1vislosti na ekonomick\u00e9 situaci m\u016f\u017eete tak\u00e9 zv\u00e1\u017eit zm\u011bnu obsahu poji\u0161t\u011bn\u00ed, kt [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":63899,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[30,24],"acf":[],"_links":{"self":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts\/61511"}],"collection":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/comments?post=61511"}],"version-history":[{"count":2,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts\/61511\/revisions"}],"predecessor-version":[{"id":63900,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/posts\/61511\/revisions\/63900"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/media\/63899"}],"wp:attachment":[{"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/media?parent=61511"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/categories?post=61511"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/monolith.law\/cs\/wp-json\/wp\/v2\/tags?post=61511"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}