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[null,"Individuálne havarijné poistenie"]
[]
[]
[]
[null,"Produkt č. 276 (bonus)",null,null,null,null,null,null,null,null,"Kalkulačka KASKO\n(so segmentáciou pre MV do 3,5 t)"]
[]
[null,"Produkt č. 265 (nebonus)"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,{"$f":"CONCATENATE(\"verzia: \",Date!E8)","v":"verzia: 03.11.2023"}]
[null,{"$f":"CONCATENATE(\"(platnosť verzie od \",Date!E4,\" do \",Date!E5,\")\")","v":"(platnosť verzie od 01.07.2023 do 31.03.2024)"}]
[null,null,null,"Autor: Mgr. Peter Žilka"]

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[null,"Kalkulačka KASKO individual (276 + 265)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"MENU"]
[null,null,null,{"$f":"CONCATENATE(\"(platnosť verzie od \",Date!E4,\" do \",Date!E5,\")\")","v":"(platnosť verzie od 01.07.2023 do 31.03.2024)"}]
[null,null,null,{"$f":"CONCATENATE(\"verzia: \",Date!E8)","v":"verzia: 03.11.2023"},null,null,null,null,"276 (bonus)",null,null,"265 (nebonus)",null,null,null,{"$f":"IF($AD$103=1,\"Akcia kasko\n2020-2\",\"Bez akcie\")","v":"Bez akcie"},null,null,"276 (bonus)",null,null,"265 (nebonus)",null,null,null,null,null,null,null,null,null,"GAP km",50,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BB11","v":4.8000000000000001E-2},4.4999999999999998E-2,{"$f":"BQ7/BR7","v":1.0666666666666667}]
[null,null,null,null,null,null,null,null,"bez akcie",null,null,"bez akcie",null,null,null,null,null,null,{"$f":"IF($AD$103=1,\"AK2020-2\",\"bez akcie\")","v":"bez akcie"},null,null,{"$f":"IF($AD$103=1,\"AK2020-2\",\"bez akcie\")","v":"bez akcie"},null,null,null,null,null,null,"dátum prevzatia MV",null,{"$f":"IF(OR($F$49=0,$F$49>$AG$7),1,0)","v":1},"prevádzka",1,null,null,null,null,null,null,"zľava pre benefit",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1.Q2023","2.Q2023",null,null,null,null,null,null,null,null,null,"Nákladné a iné motorové vozidlá","Základná sadzba poistného"]
[null,"Účinnosť PZ (predpokladaný zač. poistenia)",null,{"$f":"IF(AG11=1,\"Požadovaná účinnosť je mimo platnosť kalkulačky!!!\",IF(AND(OR(AG14=2,AG14=3),F10>AJ13),\"Pre PS > 150 000 EUR požiadaj o ponuku ÚNP\",IF(AND(OR(AG14=4,AG14=5,AG14=6,AG14=7,AG14=8,AG14=9,AG14=10,AG14=11,AG14=12,AG14=13,AG14=14,AG14=15),F10>AJ14),\"Pre PS > 200 000 EUR požiadaj o ponuku ÚNP\",IF(AND(OR(AG14=16,AG14=17),F10>AJ15),\"Pre PS > 35 000 EUR požiadaj o ponuku ÚNP\",\" \"))))","v":" "},null,"2024-01-01",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"GAP nové MV",{"$f":"IF(AND(F49<>0,F49<=AG7,(F9-D49)<=AG8),1,0)","v":0},"bez dní",{"$f":"IF(AND(F49<>0,F49<=AG7),1,0)","v":0},{"$f":"IF(AND(AI9=1,D49=0),1,0)","v":0},{"$f":"IF(AND(E47<>AD66,AI9=1,D49<>0,D49>F9),1,0)","v":0},null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,"A","B","C","D",null,null,null,null,null,null,"A","B","C","D",null,null,null,"B","B",null,null,null,null,null,null,null,null,null,null,"Typ poistenia A","Typ poistenia B","Typ poistenia C","Typ poistenia D"]
[null,"Poistná suma MV (PS)",null,null,null,0,null,null,{"$f":"$F$10","v":0},null,null,{"$f":"$F$10","v":0},null,null,null,null,null,null,{"$f":"$F$10","v":0},null,null,{"$f":"$F$10","v":0},null,null,null,null,null,null,null,null,null,"segmentácia",{"$f":"IF(OR(AG14=2,AG14=3),1,0)","v":0},null,null,null,null,null,null,null,null,null,"Okres","EČV","Koef.","cluster","predchadzajúci","predchadzajúci",null,null,null,"I.",{"$f":"ROUND(BB10*$BA$13,4)","v":4.7E-2},4.8000000000000001E-2,{"$f":"ROUND(BB10*$BC$13,4)","v":1.7000000000000001E-2},{"$f":"ROUND(BB10*$BD$13,4)","v":0.01},null,null,null,null,null,"nákl. MV, autobus",{"$f":"ROUND(BL10*$BK$16,4)","v":3.4000000000000002E-2},{"$f":"BS10","v":3.4700000000000002E-2},{"$f":"ROUND(BL10*$BM$16,4)","v":1.23E-2},{"$f":"ROUND(BL10*$BN$16,4)","v":7.1999999999999998E-3},null,null,null,3.2500000000000001E-2,{"$f":"ROUND(BR10*$BS$7,4)","v":3.4700000000000002E-2},3.4700000000000002E-2,null,null,null,null,null,null,null,null,"Nákladné vozidlá nad 3,5 t (všetky typy)",{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3}]
[null,"Značka MV",null,null,"zadaj značku MV",null,null,null,{"$f":"IF(OR(AG14=2,AG14=3),$E$11,$D$11)","v":0},null,null,{"$f":"I11","v":0},null,null,null,null,null,null,{"$f":"I11","v":0},null,null,{"$f":"I11","v":0},null,null,null,null,null,null,null,null,null,"OUT",{"$f":"Date!K11","v":0},null,null,null,null,null,{"$f":"IF($AL$12=1,$AE$47:$AE$51,IF($AL$12=2,$AE$53:$AE$55,IF($AL$12=3,$AG$47:$AG$51,IF($AL$12=4,$AG$53:$AG$55,IF($AL$12=5,$AC$47:$AC$51,IF($AL$12=6,$AC$53:$AC$55,AC47))))))","v":"zadaj dohodnutú spoluúčasť"},null,null,null,"zadaj región držiteľa MV",null,0,null,"cluster","koef.",null,null,null,"II.",{"$f":"ROUND(BB11*$BA$13,4)","v":4.7E-2},4.8000000000000001E-2,{"$f":"ROUND(BB11*$BC$13,4)","v":1.7000000000000001E-2},{"$f":"ROUND(BB11*$BD$13,4)","v":0.01},null,null,null,null,null,"nákl. prív., náves, traktor",{"$f":"ROUND(BL11*$BK$16,4)","v":3.15E-2},3.2199999999999999E-2,{"$f":"ROUND(BL11*$BM$16,4)","v":1.14E-2},{"$f":"ROUND(BL11*$BN$16,4)","v":6.7000000000000002E-3},null,null,null,3.0200000000000001E-2,{"$f":"ROUND(BR11*$BS$7,4)","v":3.2199999999999999E-2},3.2199999999999999E-2,null,null,null,null,null,null,null,null,"Nákladné prívesy a návesy (všetky typy)",{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3}]
[null,"Typ poistenia",null,"zadaj typ poistenia",null,null,null,null,{"$f":"$D$12","v":"zadaj typ poistenia"},null,null,{"$f":"$D$12","v":"zadaj typ poistenia"},null,null,null,{"$f":"IF($AD$103=1,\"(len pre typ poistenia B,\nlen pre MV do 3,5 t vrátane,\ns PS do 100 000 € vrátane)\",\n\"pre MV s PS>100 000 €,\npre motocykle, trojkolky,\núžitkové, obytné a\nnákladné MV nad 3,5 t,\nautobusy, traktory,\nnávesy a prívesy\")","v":"pre MV s PS>100 000 €,\npre motocykle, trojkolky,\núžitkové, obytné a\nnákladné MV nad 3,5 t,\nautobusy, traktory,\nnávesy a prívesy"},null,null,{"$f":"$D$12","v":"zadaj typ poistenia"},null,null,{"$f":"$D$12","v":"zadaj typ poistenia"},null,null,null,null,null,null,null,null,null,"max. PS pre akciu",100000,null,"PS max.",{"$f":"IF(AND(OR(AG14=2,AG14=3),F10>AJ13),1,IF(AND(OR(AG14=4,AG14=5,AG14=6,AG14=7,AG14=8,AG14=9,AG14=10,AG14=11,AG14=12,AG14=13,AG14=14,AG14=15),F10>AJ14),1,IF(AND(OR(AG14=16,AG14=17),F10>AJ15),1,0)))","v":0},"PS pre spoluúč.",{"$f":"IF($AG$14=1,0,IF(AND(OR($AG$14=2,$AG$14=3),$F$10<=$AK$13),1,IF(AND(OR($AG$14=2,$AG$14=3),$F$10>$AK$13),2,IF(AND(OR($AG$14=16,$AG$14=17),$F$10<=$AK$15),5,IF(AND(OR($AG$14=16,$AG$14=17),$F$10>$AK$15),6,IF(AND(OR($AG$14=7,$AG$14=8,$AG$14=9),F$10<=1660),1,IF($F$10<=$AK$14,3,IF($F$10>$AK$14,4,\"X\"))))))))","v":0},{"$f":"IF(D17=AC47,0,IF(AND(OR(AL12=2,AL12=4,AL12=6),VLOOKUP($D$17,$AM$13:$AN$20,2,FALSE)=$AN$18),1,0))","v":0},{"$f":"VLOOKUP($D$17,$AM$13:$AN$20,2,FALSE)","v":{"$error":"#N/A"}},"Bánovce nad Bebravou",1,"Bánovce nad Bebravou","BN",0.9,null,7,0.89,{"$f":"EXACT(AO12,AQ12)","v":true},null,null,"III.",{"$f":"ROUND(BB12*$BA$13,4)","v":4.7E-2},4.8000000000000001E-2,{"$f":"ROUND(BB12*$BC$13,4)","v":1.7000000000000001E-2},0.01,null,null,null,null,null,"motocykel",{"$f":"ROUND(BL12*$BK$16,4)","v":0.14760000000000001},0.1507,{"$f":"ROUND(BL12*$BM$16,4)","v":5.3400000000000003E-2},{"$f":"ROUND(BL12*$BN$16,4)","v":3.1399999999999997E-2},null,null,null,0.14130000000000001,0.1507,0.1507,null,null,null,null,null,null,null,null,"Nákladné prívesy na osobné vozidlá (všetky typy)",{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3}]
[null,"Druh MV",null,"zadaj druh MV",null,null,null,null,{"$f":"$D$13","v":"zadaj druh MV"},null,null,{"$f":"$D$13","v":"zadaj druh MV"},null,null,null,null,null,null,{"$f":"$D$13","v":"zadaj druh MV"},null,null,{"$f":"$D$13","v":"zadaj druh MV"},null,null,null,null,null,null,null,null,null,"typ poistenia",{"$f":"IF(D12=BA14,1,IF(D12=BB14,2,IF(D12=BC14,3,IF(D12=BD14,4,0))))","v":0},null,"PS max. osobne MV",150000,100000,"1 / 2","5%, min. 66 EUR","M","Banská Bystrica",2,"Banská Bystrica","BB",0.95,null,2,1.04,true,null,null,null,0.97919999999999996,1,0.35420000000000001,0.20830000000000001,null,null,null,null,null,"obytné MV",{"$f":"ROUND(BL13*$BK$16,4)","v":7.4300000000000005E-2},7.5899999999999995E-2,{"$f":"ROUND(BL13*$BM$16,4)","v":2.69E-2},{"$f":"ROUND(BL13*$BN$16,4)","v":1.5800000000000002E-2},null,null,null,7.1199999999999999E-2,7.5899999999999995E-2,7.5899999999999995E-2,null,null,null,null,null,null,null,null,"Obytné prívesy na osobné vozidlá (všetky typy)",{"$f":"$BK$14","v":4.9200000000000001E-2},{"$f":"$BL$14","v":5.0200000000000002E-2},{"$f":"$BM$14","v":1.78E-2},{"$f":"$BN$14","v":1.0500000000000001E-2}]
[null,"Leasingové MV (financované cez leasing alebo úver)",null,null,"Leasing NIE",null,null,null,{"$f":"$E$14","v":"Leasing NIE"},null,null,{"$f":"$E$14","v":"Leasing NIE"},null,null,null,null,null,null,{"$f":"$E$14","v":"Leasing NIE"},null,null,{"$f":"$E$14","v":"Leasing NIE"},null,null,null,null,null,null,null,null,null,"druh MV",{"$f":"VLOOKUP(D13,BI19:BJ35,2,FALSE)","v":1},null,"PS max. nakladné",200000,100000,"3 / 4","spoluúčasť 199 EUR","M","Banská Štiavnica",3,"Banská Štiavnica","BS",1.05,null,1,1.1399999999999999,true,null,null,"zadaj typ poistenia","A","B","C","D",null,{"$f":"VLOOKUP(E11,AZ15:BF90,7,FALSE)","v":"skupina"},null,null,null,"obytný príves",4.9200000000000001E-2,5.0200000000000002E-2,1.78E-2,1.0500000000000001E-2,null,null,null,4.7100000000000003E-2,5.0200000000000002E-2,5.0200000000000002E-2,null,null,null,null,null,null,null,null,"Obytné MV (všetky typy, do aj nad 3,5 t)",{"$f":"$BK$13","v":7.4300000000000005E-2},{"$f":"$BL$13","v":7.5899999999999995E-2},{"$f":"$BM$13","v":2.69E-2},{"$f":"$BN$13","v":1.5800000000000002E-2}]
[null,"Sadzba",null,{"$f":"IF(OR($AG$13=0,$AG$14=1,$AG$16=1,$AG$17=1),0,IF(OR(AG14=2,AG14=3),INDEX($BA$15:$BD$92,VLOOKUP($E$11,$AZ$15:$BE$93,6,FALSE),HLOOKUP($D$12,$BA$14:$BD$93,80,FALSE)),INDEX($BK$19:$BN$35,VLOOKUP($D$13,$BI$19:$BJ$35,2,FALSE),HLOOKUP($D$12,$BA$14:$BD$93,80,FALSE))))","v":0},null,null,null,null,{"$f":"$D$15","v":0},null,null,{"$f":"$D$15","v":0},null,null,null,null,null,null,{"$f":"$D$15","v":0},null,null,{"$f":"$D$15","v":0},null,null,null,null,null,null,null,null,null,"akcia",{"$f":"IF(AND(AG13=2,OR(AG14=2,AG14=3,AG14=10),F10<=AG12),1,0)","v":0},null,"PS max. motocykel",35000,25000,"5 / 6","5%, min. 165 EUR","V","Bardejov",4,"Bardejov","BJ",1,null,6,0.94,true,null,"skupina","zadaj značku MV",0,0,0,0,1,{"$f":"AY15","v":"skupina"},null,null,null,"pojazd. PS s EČV",3.4000000000000002E-2,3.4700000000000002E-2,1.23E-2,7.1999999999999998E-3,null,null,null,3.2500000000000001E-2,3.4700000000000002E-2,3.4700000000000002E-2,null,null,null,null,null,null,null,null,"Traktory (všetky typy)",{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3}]
[null,"Poistné",null,null,null,null,null,null,{"$f":"ROUND(I10*I15,2)","v":0},null,null,{"$f":"ROUND(L10*L15,2)","v":0},null,null,null,null,null,null,{"$f":"ROUND(S10*S15,2)","v":0},null,null,{"$f":"ROUND(V10*V15,2)","v":0},null,null,null,null,null,null,null,null,"zadaj financovanie MV",1,{"$f":"VLOOKUP(E14,AE16:AF18,2,FALSE)","v":3},null,"Batožina","Batožina poistné",null,null,"5%, min. 330 EUR","V","Bratislava I",5,"Bratislava I","BA, BL",1.1000000000000001,null,1,1.1399999999999999,true,null,"I.","Alfa Romeo",{"$f":"VLOOKUP(AY16,$AZ$10:$BD$12,2,FALSE)","v":4.7E-2},{"$f":"VLOOKUP(AY16,$AZ$10:$BD$12,3,FALSE)","v":4.8000000000000001E-2},{"$f":"VLOOKUP(AY16,$AZ$10:$BD$12,4,FALSE)","v":1.7000000000000001E-2},{"$f":"VLOOKUP(AY16,$AZ$10:$BD$12,5,FALSE)","v":0.01},2,{"$f":"AY16","v":"I."},null,null,null,{"$f":"AZ13","v":0},{"$f":"BA13","v":0.97919999999999996},{"$f":"BB13","v":1},{"$f":"BC13","v":0.35420000000000001},{"$f":"BD13","v":0.20830000000000001},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pojazdné pracovné stroje s EČV (všetky typy)",{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3}]
[null,"Spoluúčasť (\"plechová\", nie na ČS)",null,"zadaj dohodnutú spoluúčasť",null,null,null,null,{"$f":"IF(AM12=1,0,IF(OR(AG14=2,AG14=3),VLOOKUP($D$17,$AE$47:$AF$51,2,FALSE),IF(OR(AG14=16,AG14=17),VLOOKUP($D$17,$AC$47:$AD$51,2,FALSE),IF(AND(OR(AG14=7,AG14=8,AG14=9),$F$10<=1660),VLOOKUP($D$17,$AE$47:$AF$51,2,FALSE),VLOOKUP($D$17,$AG$47:$AH$51,2,FALSE)))))","v":0},null,null,{"$f":"$I$17","v":0},null,null,null,{"$f":"D17","v":"zadaj dohodnutú spoluúčasť"},null,null,{"$f":"IF(AM12=1,0,IF(AND($AD$18=1,$AD$44<>4),VLOOKUP($P$17,$AC$99:$AF$102,3,FALSE),IF(AND($AD$18=1,$AD$44=4),VLOOKUP($P$17,$AC$99:$AF$102,4,FALSE),IF(OR(AG14=2,AG14=3),VLOOKUP($P$17,$AE$47:$AF$51,2,FALSE),IF(OR(AG14=16,AG14=17),VLOOKUP($P$17,$AC$47:$AD$51,2,FALSE),IF(AND(OR(AG14=7,AG14=8,AG14=9),$F$10<=1660),VLOOKUP($P$17,$AE$47:$AF$51,2,FALSE),VLOOKUP($P$17,$AG$47:$AH$51,2,FALSE)))))))","v":0},null,null,{"$f":"S17","v":0},null,null,null,null,null,null,null,null,"Leasing ÁNO",2,{"$f":"IF(AND(AG16=2,OR(D28>0,F28>0)),1,0)","v":0},null,"nepoisťuje sa",0,null,null,"10%, min. 66 EUR","M","Bratislava II",6,"Bratislava II","BA, BL",1.1000000000000001,null,1,1.1399999999999999,true,null,"II.","ARO",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,3,{"$f":"AY17","v":"II."},null,null,null,null,null,null,null,null,null,"Násobok základných PS",null,null,null,null,null,null,null,null,null,"kontrola",null,null,"Autobusy (všetky typy)",3.4000000000000002E-2,3.4700000000000002E-2,1.23E-2,7.1999999999999998E-3]
[null,"Spôsob používania - SP 2 / SP 1",null,"zadaj ďalší spôsob užívania","zadaj spôsob užívania",null,null,null,{"$f":"AJ33","v":0},null,null,{"$f":"$I$18","v":0},null,null,null,null,null,null,{"$f":"$I$18","v":0},null,null,{"$f":"$I$18","v":0},null,null,null,null,null,null,"akcia spoluúčasť",0,"Leasing NIE",3,null,null,400,2.38,null,null,"10%, min. 165 EUR","M","Bratislava III",7,"Bratislava III","BA, BL",1.1000000000000001,null,1,1.1399999999999999,true,null,"I.","Asia",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,4,"I.",null,"ostatné MV","Druh MV",null,"A","B","C","D","nepoisťuje sa","1 x ZPS","2 x ZPS","3 x ZPS","4 x zPS","5 x ZPS","6 x ZPS","7 x ZPS","8 x ZPS","9 x ZPS","10 x ZPS",{"$f":"IF(OR(AND(OR(AG13=0,AG14=1),$E$43<>$BO$18),AND($AG$14>=6,$AG$14<=9,$E$43<>$BO$18)),1,0)","v":0}]
[null,null,null,null,null,"Koef. PS",null,null,{"$f":"IF(AG10=0,1,VLOOKUP(F10,AM30:AN44,2,TRUE))","v":1},null,null,{"$f":"$I$19","v":1},null,null,null,null,null,null,{"$f":"$I$19","v":1},null,null,{"$f":"$I$19","v":1},null,null,null,null,null,null,null,null,null,null,null,null,800,4.75,null,null,"10%, min. 330 EUR","V","Bratislava IV",8,"Bratislava IV","BA, BL",1.1000000000000001,null,1,1.1399999999999999,true,null,"I.","Audi",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,5,"I.",null,null,"zadaj druh MV",1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,null,null,"Motocykle",{"$f":"$BK$12","v":0.14760000000000001},{"$f":"$BL$12","v":0.1507},{"$f":"$BM$12","v":5.3400000000000003E-2},{"$f":"$BN$12","v":3.1399999999999997E-2}]
[null,"zadaj výkon MV",null,null,null,"Koef. výkonu",null,null,{"$f":"IF(AG10=0,1,VLOOKUP(B20,AM79:AN84,2,FALSE))","v":1},null,null,{"$f":"$I$20","v":1},null,null,null,null,null,null,{"$f":"$I$20","v":1},null,null,{"$f":"$I$20","v":1},null,null,null,null,null,null,"akcia UPV",0,null,"pod MinPoist",{"$f":"IF(ROUND(I34*I36,2)<I40,1,0)","v":0}," ",1600,9.5,null,null,"10%, min. 500 EUR","V","Bratislava V",9,"Bratislava V","BA, BL",1.1000000000000001,null,1,1.1399999999999999,true,null,"I.","BMW",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,6,"I.",null,"MV (do 3,5 t) do 5 miest vrátane","MV (do 3,5 t) do 5 miest vrátane",2,0,0,0,0,0,5,10,15,20,25,30,35,40,45,50,2]
[null,"zadaj región držiteľa MV",null,null,null,"Koef. regiónu",null,null,{"$f":"IF(AG10=0,1,VLOOKUP(B21,AQ11:AT90,3,FALSE))","v":1},null,null,{"$f":"$I$21","v":1},null,null,null,null,null,null,{"$f":"$I$21","v":1},null,null,{"$f":"$I$21","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Brezno",10,"Brezno","BR",0.95,null,6,0.94,true,null,"III.","Cadillac (iba verzie určené pre Európu)",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,7,"III.",null,"MV (do 3,5 t) 6-9 miest vrátane","MV (do 3,5 t) 6-9 miest vrátane",3,0,0,0,0,0,8.75,17.5,26.25,35,43.75,52.5,61.25,70,78.75,87.5,3]
[null,"zadaj vek držiteľa MV",null,null,null,"Koef. veku",null,null,{"$f":"IF(AG10=0,1,VLOOKUP(B22,AM47:AN57,2,FALSE))","v":1},null,null,{"$f":"$I$22","v":1},null,null,null,null,null,null,{"$f":"$I$22","v":1},null,null,{"$f":"$I$22","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"kontrola spoluúčasti",{"$f":"IF(OR(AN23=\"x\",AN24=\"x\",AN25=\"x\",AN26=\"x\"),1,0)","v":0},"Bytča",11,"Bytča","BY",1,null,2,1.04,true,null,"II.","Citroën",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,8,"II.",null,"MV (nad 3,5 t) do 5 miest vrátane","MV (nad 3,5 t) do 5 miest vrátane",4,{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3},0,5,10,15,20,25,30,35,40,45,50,4]
[null,"Úmyselný požiar/výbuch (ÚPV)",null,"nie",null,null,null,null,{"$f":"IF(OR($AG$13=1,$AG$13=2),1,VLOOKUP($D$23,$AI$24:$AJ$25,2,FALSE))","v":1},null,null,{"$f":"$I$23","v":1},null,null,null,null,null,null,{"$f":"$I$23","v":1},null,null,{"$f":"$I$23","v":1},null,null,null,null,null,null,"Spôsob používania 2","Koef. použitia MV","Spôsob používania","Koef. použitia MV",null,"úmyselný pož/výb",null,"koef","Preprava","Preprava poistné","276 bez akcie",{"$f":"IFERROR(IF(AM12=1,0,IF(OR(AG14=2,AG14=3),VLOOKUP($D$17,$AE$47:$AF$51,2,FALSE),IF(OR(AG14=16,AG14=17),VLOOKUP($D$17,$AC$47:$AD$51,2,FALSE),IF(AND(OR(AG14=7,AG14=8,AG14=9),$F$10<=1660),VLOOKUP($D$17,$AE$47:$AF$51,2,FALSE),VLOOKUP($D$17,$AG$47:$AH$51,2,FALSE))))),\"x\")","v":0},"Čadca",12,"Čadca","CA",1.05,null,3,1.01,true,null,"II.","Cupra",{"$f":"VLOOKUP(AY23,$AZ$10:$BD$12,2,FALSE)","v":4.7E-2},{"$f":"VLOOKUP(AY23,$AZ$10:$BD$12,3,FALSE)","v":4.8000000000000001E-2},{"$f":"VLOOKUP(AY23,$AZ$10:$BD$12,4,FALSE)","v":1.7000000000000001E-2},{"$f":"VLOOKUP(AY23,$AZ$10:$BD$12,5,FALSE)","v":0.01},9,"II.",null,"MV (nad 3,5 t) 6-9 miest vrátane","MV (nad 3,5 t) 6-9 miest vrátane",5,{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3},0,8.75,17.5,26.25,35,43.75,52.5,61.25,70,78.75,87.5,5]
[null,"Násobok koeficientov 1",null,null,null,null,null,null,{"$f":"ROUND(I17*I18*I19*I20*I21*I22*I23,4)","v":0},null,null,{"$f":"ROUND(L17*L18*L19*L20*L21*L22*L23,4)","v":0},null,null,null,null,null,null,{"$f":"ROUND(S17*S18*S19*S21*S22*S23,4)","v":0},null,null,{"$f":"ROUND(V17*V18*V19*V21*V22*V23,4)","v":0},null,null,null,null,null,null,"zadaj ďalší spôsob užívania",0,"zadaj spôsob užívania",0,1,"nie","nie",1,"nepoisťuje sa",0,"265 bez akcie",{"$f":"IFERROR(IF(AM12=1,0,IF(OR(AG14=2,AG14=3),VLOOKUP($D$17,$AE$47:$AF$51,2,FALSE),IF(OR(AG14=16,AG14=17),VLOOKUP($D$17,$AC$47:$AD$51,2,FALSE),IF(AND(OR(AG14=7,AG14=8,AG14=9),$F$10<=1660),VLOOKUP($D$17,$AE$47:$AF$51,2,FALSE),VLOOKUP($D$17,$AG$47:$AH$51,2,FALSE))))),\"x\")","v":0},"Detva",13,"Detva","DT",0.95,null,4,1,true,null,"II.","Dacia",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,10,"II.",null,"náves","náves",6,{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3},0,"nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené",6]
[null,"Základné poistné",null,null,null,null,null,null,{"$f":"ROUND(I16*I17*I18*I19*I20*I21*I22,2)","v":0},null,null,{"$f":"ROUND(L16*L17*L18*L19*L20*L21*L22,2)","v":0},null,null,null,null,null,null,{"$f":"ROUND(S16*S17*S18*S19*S20*S21*S22,2)","v":0},null,null,{"$f":"ROUND(V16*V17*V18*V19*V20*V21*V22,2)","v":0},null,null,null,null,null,null,"bežné používanie",1,"bežné používanie",1,2,"áno - odstránenie výluky na ÚPV","áno - odstránenie výluky na ÚPV",1.05,2000,88.84,"Akcia 276",{"$f":"IFERROR(IF(AM12=1,0,IF(AND($AD$18=1,$AD$44<>4),VLOOKUP($P$17,$AC$99:$AF$102,3,FALSE),IF(AND($AD$18=1,$AD$44=4),VLOOKUP($P$17,$AC$99:$AF$102,4,FALSE),IF(OR(AG14=2,AG14=3),VLOOKUP($P$17,$AE$47:$AF$51,2,FALSE),IF(OR(AG14=16,AG14=17),VLOOKUP($P$17,$AC$47:$AD$51,2,FALSE),IF(AND(OR(AG14=7,AG14=8,AG14=9),$F$10<=1660),VLOOKUP($P$17,$AE$47:$AF$51,2,FALSE),VLOOKUP($P$17,$AG$47:$AH$51,2,FALSE))))))),\"x\")","v":0},"Dolný Kubín",14,"Dolný Kubín","DK",1.05,null,1,1.1399999999999999,true,null,"II.","Daewoo",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,11,"II.",null,"nákladný príves","nákladný príves",7,{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3},0,"nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené",7]
[null,"VAZ1",null,0.1,"AZ",0.1,null,null,{"$f":"ROUND(1-D26,4)","v":0.9},null,null,{"$f":"ROUND(1-F26,4)","v":0.9},null,null,null,null,null,null,{"$f":"$I$26","v":0.9},null,null,{"$f":"$L$26","v":0.9},null,null,null,null,null,null,"autopožičovňa",2,"autopožičovňa",2,3,null,null,null,3500,148.07,"Akcia 265",{"$f":"IFERROR(IF(AM12=1,0,IF(AND($AD$18=1,$AD$44<>4),VLOOKUP($P$17,$AC$99:$AF$102,3,FALSE),IF(AND($AD$18=1,$AD$44=4),VLOOKUP($P$17,$AC$99:$AF$102,4,FALSE),IF(OR(AG14=2,AG14=3),VLOOKUP($P$17,$AE$47:$AF$51,2,FALSE),IF(OR(AG14=16,AG14=17),VLOOKUP($P$17,$AC$47:$AD$51,2,FALSE),IF(AND(OR(AG14=7,AG14=8,AG14=9),$F$10<=1660),VLOOKUP($P$17,$AE$47:$AF$51,2,FALSE),VLOOKUP($P$17,$AG$47:$AH$51,2,FALSE))))))),\"x\")","v":0},"Dunajská Streda",15,"Dunajská Streda","DS",0.9,null,7,0.89,true,null,"II.","DS",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,12,"II.",null,"príves za MV do 3,5 t","príves za MV do 3,5 t",8,{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3},0,"nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené",8]
[null,"VAZ2",null,0.1,"ZVP",0.1,null,null,{"$f":"ROUND(1-D27,4)","v":0.9},null,null,{"$f":"ROUND(1-F27,4)","v":0.9},null,null,null,null,null,null,{"$f":"$I$27","v":0.9},null,null,{"$f":"$L$27","v":0.9},null,null,null,null,null,null,"autoškola",1.25,"autoškola",1.25,4,null,null,null,5500,236.92,null,null,"Galanta",16,"Galanta","GA",0.9,null,7,0.89,true,null,"III.","Daihatsu",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,13,"III.",null,"obytný príves","obytný príves",9,{"$f":"$BK$14","v":4.9200000000000001E-2},{"$f":"$BL$14","v":5.0200000000000002E-2},{"$f":"$BM$14","v":1.78E-2},{"$f":"$BN$14","v":1.0500000000000001E-2},0,"nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené",9]
[null,"UNP",null,0.1,"UNP",0.1,null,null,{"$f":"ROUND(1-D28,4)","v":0.9},null,null,{"$f":"ROUND(1-F28,4)","v":0.9},null,null,null,null,null,null,{"$f":"$I$28","v":0.9},null,null,{"$f":"$L$28","v":0.9},null,null,null,null,null,null,"dlhodobý nájom",1.05,"dlhodobý nájom",1.05,5,null,null,null,7000,296.14,null,null,"Gelnica",17,"Gelnica","GL",0.95,null,4,1,true,null,"III.","Dodge",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,14,"III.",null,"obytné MV do 3,5 t","obytné MV do 3,5 t",10,{"$f":"$BK$13","v":7.4300000000000005E-2},{"$f":"$BL$13","v":7.5899999999999995E-2},{"$f":"$BM$13","v":2.69E-2},{"$f":"$BN$13","v":1.5800000000000002E-2},0,5,10,15,20,25,30,35,40,45,50,10]
[null,{"$f":"IF(AG17=1,\"Zľava UNP nie je možná!!!\",\" \")","v":" "},null,null,"NZ",{"$f":"VLOOKUP(F35,AE90:AF95,2,FALSE)","v":0},null,null,{"$f":"ROUND(1-D29,4)","v":1},null,null,{"$f":"IF(AND(AJ87=0,F35=AI90),0,ROUND(1-F29,4))","v":0},null,null,null,null,null,null,{"$f":"$I$29","v":1},null,null,{"$f":"$L$29","v":0},null,null,null,null,null,null,"krátkodobý nájom",2,"krátkodobý nájom",2,6,null,null,null,null,null,"Interval poistnej sumy","Koef.","Hlohovec",18,"Hlohovec","HC",0.9,null,7,0.89,true,null,"III.","Dongfeng",{"$f":"VLOOKUP(AY29,$AZ$10:$BD$12,2,FALSE)","v":4.7E-2},{"$f":"VLOOKUP(AY29,$AZ$10:$BD$12,3,FALSE)","v":4.8000000000000001E-2},{"$f":"VLOOKUP(AY29,$AZ$10:$BD$12,4,FALSE)","v":1.7000000000000001E-2},{"$f":"VLOOKUP(AY29,$AZ$10:$BD$12,5,FALSE)","v":0.01},15,"III.",null,"obytné MV nad 3,5 t","obytné MV nad 3,5 t",11,{"$f":"$BK$13","v":7.4300000000000005E-2},{"$f":"$BL$13","v":7.5899999999999995E-2},{"$f":"$BM$13","v":2.69E-2},{"$f":"$BN$13","v":1.5800000000000002E-2},0,5,10,15,20,25,30,35,40,45,50,11]
[null,"krátenie 50 % provízie",null,0,null,0,null,null,{"$f":"ROUND(1-D30,6)","v":1},null,null,{"$f":"ROUND(1-F30,6)","v":1},null,null,null,null,null,null,{"$f":"$I$30","v":1},null,null,{"$f":"$L$30","v":1},null,null,null,null,null,null,"náhradné MV",1.1000000000000001,"náhradné MV",1.1000000000000001,7,null,null,"koef.","p. č.",null,0,1.4,"Humenné",19,"Humenné","HE",1,null,3,1.01,true,null,"II.","Fiat",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,16,"II.",null,"traktor","traktor",12,{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3},0,5,10,15,20,25,30,35,40,45,50,12]
[null,"krátenie 100 % provízie",null,0,null,0,null,null,{"$f":"ROUND(1-D31,6)","v":1},null,null,{"$f":"ROUND(1-F31,6)","v":1},null,null,null,null,null,null,{"$f":"$I$31","v":1},null,null,{"$f":"$L$31","v":1},null,null,null,null,null,null,"právo prednostnej jazdy",1.2,"právo prednostnej jazdy",1.2,8,null,"SpôsobPouž 1",{"$f":"VLOOKUP($E$18,$AE$24:$AF$35,2,FALSE)","v":0},{"$f":"VLOOKUP($E$18,$AE$24:$AG$35,3,FALSE)","v":1},{"$f":"IF(AND($E$47<>$AD$66,$AK$31<>2,$AK$31<>5),1,0)","v":0},10000.01,1.3,"Ilava",20,"Ilava","IL",0.9,null,3,1.01,true,null,"II.","Ford",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,17,"II.",null,"pojazdný prac. stroj s EČV","pojazdný prac. stroj s EČV",13,{"$f":"$BK$15","v":3.4000000000000002E-2},{"$f":"$BL$15","v":3.4700000000000002E-2},{"$f":"$BM$15","v":1.23E-2},{"$f":"$BN$15","v":7.1999999999999998E-3},0,5,10,15,20,25,30,35,40,45,50,13]
[null,"iná zľava (RUNP)",null,0,null,0,null,null,{"$f":"ROUND(1-D32,6)","v":1},null,null,{"$f":"ROUND(1-F32,6)","v":1},null,null,null,null,null,null,{"$f":"$I$32","v":1},null,null,{"$f":"$L$32","v":1},null,null,null,null,null,null,"predvádzacie MV",1.1000000000000001,"predvádzacie MV",1.1000000000000001,9,null,"SpôsobPouž 2",{"$f":"VLOOKUP($D$18,$AC$24:$AD$35,2,FALSE)","v":0},{"$f":"VLOOKUP($D$18,$AC$24:$AG$35,5,FALSE)","v":1},{"$f":"IF(AND($E$47<>$AD$66,$AK$32<>1,$AK$32<>2,$AK$32<>5),1,0)","v":0},13000.01,1.2,"Kežmarok",21,"Kežmarok","KK",0.95,null,4,1,true,null,"II.","GAZ",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,18,"II.",null,"autobus od 10-25 miest vrátane","autobus od 10-25 miest vrátane",14,{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3},0,36.450000000000003,72.900000000000006,109.35,145.80000000000001,182.25,218.7,255.15,291.60000000000002,328.05,364.5,14]
[null,"Násobok koeficientov 2",null,null,null,null,null,null,{"$f":"ROUND(I26*I27*I28*I29*I30*I31*I32,4)","v":0.72899999999999998},null,null,{"$f":"ROUND(L26*L27*L28*L29*L30*L31*L32,4)","v":0},null,null,null,null,null,null,{"$f":"ROUND(S26*S27*S28*S29*S30*S31*S32,4)","v":0.72899999999999998},null,null,{"$f":"ROUND(V26*V27*V28*V29*V30*V31*V32,4)","v":0},null,null,null,null,null,null,"preprava nebezpečných vecí",1.2,"preprava nebezpečných vecí",1.2,10,null,"koef. SP",{"$f":"MAX(AJ31,AJ32)","v":0},null,null,15000.01,1.1000000000000001,"Komárno",22,"Komárno","KN",0.9,null,7,0.89,true,null,"II.","Gordon",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,19,"II.",null,"autobus nad 25 miest","autobus nad 25 miest",15,{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3},0,65.59,131.18,196.77,262.36,327.95,393.54,459.13,524.72,590.30999999999995,655.9,15]
[null,"Upravené poistné",null,null,null,null,null,null,{"$f":"ROUND(I25*I33,2)","v":0},null,null,{"$f":"ROUND(L25*L33,2)","v":0},null,null,null,null,null,null,{"$f":"ROUND(S25*S33,2)","v":0},null,null,{"$f":"ROUND(V25*V33,2)","v":0},null,null,null,null,null,null,"taxi",1.7,"taxi",1.7,11,null,null,null,null,null,17000.009999999998,1.05,"Košice I",23,"Košice I","KE",1.1499999999999999,null,1,1.1399999999999999,true,null,"II.","Honda",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,20,"II.",null,"motocyklel do 50 cm3","motocyklel do 50 cm3",16,{"$f":"$BK$12","v":0.14760000000000001},{"$f":"$BL$12","v":0.1507},{"$f":"$BM$12","v":5.3400000000000003E-2},{"$f":"$BN$12","v":3.1399999999999997E-2},0,2.6,5.2,7.8,10.4,13,15.6,18.2,20.8,23.4,26,16]
[null,"Počet zavinených škod. udalosti za posledných 48 mesiacov",null,null,null,"zadaj počet PU",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"výpožička MV",1.05,"výpožička MV",1.05,12,null,"kontrola ČS",{"$f":"IF(AND(E45<>AI37,OR(AG13=0,AG14=1,AG14=6,AG14=7,AG14=8,AG14=9)),1,0)","v":1},null,null,19000.009999999998,1,"Košice II",24,"Košice II","KE",1.1499999999999999,null,1,1.1399999999999999,true,null,"I.","Hummer",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,21,"I.",null,"motocyklel nad 50 cm3","motocyklel nad 50 cm3",17,{"$f":"$BK$12","v":0.14760000000000001},{"$f":"$BL$12","v":0.1507},{"$f":"$BM$12","v":5.3400000000000003E-2},{"$f":"$BN$12","v":3.1399999999999997E-2},0,5.1100000000000003,10.220000000000001,15.33,20.440000000000001,25.55,30.66,35.770000000000003,40.880000000000003,45.99,51.1,17]
[null,"Bonusová zľava (len pre 276)",null,"rozhodná doba čestne prehlásená",null,{"$f":"AJ85","v":0},null,null,{"$f":"IF(AND(AJ87=0,F35=AI90),0,ROUND(1-F36,4))","v":0},null,null,{"$f":"IF(AND(AJ87=0,F35=AI90),0,1)","v":0},null,null,null,null,null,null,{"$f":"$I$36","v":0},null,null,{"$f":"IF(AND(AJ87=0,F35=AI90),0,1)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"čelné sklo","ČS poistné","ČS kód",null,22000.01,0.95,"Košice III",25,"Košice III","KE",1.1499999999999999,null,1,1.1399999999999999,true,null,"II.","Hyundai",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,22,"II.",null,null,null,null,null,null,null,null,1,2,3,4,5,6,7,8,9,10,11]
[null,{"$f":"IF(D36=AI87,\"zadaj počet mesiacov rozhodnej doby\",\" \")","v":" "},null,null,"od 108  mes. vrátane a viac",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Periodicita platenia","koef.","lehotné",null,"nepoisťuje sa",0,1,"návrh AKT",25000.01,0.9,"Košice IV",26,"Košice IV","KE",1.1499999999999999,null,1,1.1399999999999999,true,null,"II.","Chevrolet",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,23,"II."]
[null,"Periodicita platenia poistného",null,"zadaj periodicitu platenia","Koef. periodicity platenia",null,null,null,{"$f":"VLOOKUP($D$38,$AE$38:$AF$42,2,FALSE)","v":0},null,null,{"$f":"$I$38","v":0},null,null,null,null,null,null,{"$f":"$I$38","v":0},null,null,{"$f":"$I$38","v":0},null,null,null,null,null,null,null,null,"zadaj periodicitu platenia",0,0,null,"spoluúčasť 0 EUR",0.1,2,3.5000000000000003E-2,29000.01,0.85,"Košice-okolie",27,"Košice-okolie","KS",1.1000000000000001,null,3,1.01,true,null,"I.","Chrysler",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,24,"I."]
[null,"Celkové ročné poistné za zákl. poistenie MV",null,{"$f":"IF(ROUND(I34*I36,2)<I40,\"276 - Priveľa zliav = RP upravené na úroveň Minimálne Poistné * Koef. period. platenia\",\" \")","v":" "},null,null,null,null,{"$f":"IF(OR(I36=0,I38=0),0,IF(ROUND(I34*I36,2)<I40,I40*I38,ROUND(I34*I36*I38,2)))","v":0},null,null,{"$f":"ROUND(L34*L36*L38,2)","v":0},null,null,null,null,null,null,{"$f":"IF(OR(S36=0,S38=0),0,IF(ROUND(S34*S36,2)<S40,S40*S38,ROUND(S34*S36*S38,2)))","v":0},null,null,{"$f":"ROUND(V34*V36*V38,2)","v":0},null,null,null,"MENU",null,null,null,null,"ročne",1,1,null,"franšíza 199 EUR",0.08,3,0.03,37000.01,0.83,"Krupina",28,"Krupina","KA",0.9,null,6,0.94,true,null,"I.","Infinity",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,25,"I."]
[null,"Minimálne poistné za zákl. poistenie MV",null,null,null,null,null,null,{"$f":"IF(OR(I36=0,I38=0),0,ROUND(I25*0.3,2))","v":0},null,null,{"$f":"L34","v":0},null,null,null,null,null,null,{"$f":"IF(OR(S36=0,S38=0),0,ROUND(S25*0.3,2))","v":0},null,null,{"$f":"V34","v":0},null,null,null,null,null,null,null,null,"polročne",1.05,2,null,"spoluúčasť 5%, min. 16 EUR",7.0000000000000007E-2,4,0.02,42000.01,0.82,"Kysucké Nové Mesto",29,"Kysucké Nové Mesto","KM",1.05,null,2,1.04,true,null,"III.","Isuzu",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,26,"III.",null,null,null,null,null,null,null,null,null,null,"2 x ZPS - AKCIA KASKO 5B"]
[null,"Pripoistenia:",null,null,"PS",null,null,null,"Ročné poistné",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"štvrťročne",1.1000000000000001,4,null,null,null,null,null,54000.01,0.81,"Levice",30,"Levice","LV",0.9,null,7,0.89,true,null,"II.","Iveco",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,27,"II.",null,null,null,null,null,null,null,null,null,"Násobok základných PS"]
[null,"batožina",null,null,800,null,null,null,{"$f":"IF(OR($AG$13=0,$AG$14=1),0,IF(OR($AG$14=2,$AG$14=3),VLOOKUP($E$42,$AI$17:$AJ$20,2,FALSE),VLOOKUP($E$42,$AI$17:$AJ$20,2,FALSE)))","v":0},null,null,{"$f":"$I$42","v":0},null,null,null,{"$f":"E42","v":800},null,null,{"$f":"IF(AND($AG$15=1,P42=$AI$19),ROUND($AJ$19*(1-$AN$9),2),IF(OR($AG$13=0,$AG$14=1),0,IF(OR($AG$14=2,$AG$14=3),VLOOKUP($P$42,$AI$17:$AJ$20,2,FALSE),VLOOKUP($P$42,$AI$17:$AJ$20,2,FALSE))))","v":0},null,null,{"$f":"S42","v":0},null,null,null,null,null,null,"akcia BAT",{"$f":"IF(AND($AG$15=1,$P$42=$AI$19),1,0)","v":0},"jednorazovo",1,1,null,null,null,null,null,59000.01,0.8,"Levoča",31,"Levoča","LE",0.9,null,5,0.97,true,null,"I.","Jaguar",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,28,"I.",null,"MV (do 3,5 t) do 5 miest vrátane","Druh MV",null,"A","B","C","D","nepoisťuje sa","1 x ZPS","2 x ZPS","3 x ZPS","4 x zPS","5 x ZPS","6 x ZPS","7 x ZPS","8 x ZPS","9 x ZPS","10 x ZPS"]
[null,"úraz (násobok základných PS)",null,null,"nepoisťuje sa",null,null,null,{"$f":"IF(AND(E43<>BO18,OR($AG$13=0,$AG$14=1)),\"nepoistené\",IF(AG14=2,INDEX($BO$43:$BY$59,VLOOKUP($D$13,$BI$43:$BZ$59,18,FALSE),HLOOKUP($E$43,$BO$42:$BY$60,19,FALSE)),IF(AG14=3,INDEX($BO$65:$BY$81,VLOOKUP($D$13,$BI$65:$BZ$81,18,FALSE),HLOOKUP($E$43,$BO$64:$BY$82,19,FALSE)),INDEX($BO$19:$BY$35,VLOOKUP($D$13,$BI$19:$BZ$35,18,FALSE),HLOOKUP($E$43,$BO$18:$BY$36,19,FALSE)))))","v":0},null,null,{"$f":"$I$43","v":0},null,null,null,null,null,null,{"$f":"$I$43","v":0},null,null,{"$f":"$I$43","v":0},null,null,null,null,null,null,"akcia CS",{"$f":"IF(AND($AG$15=1,$P$45=$AI$40),1,0)","v":0},"ročne?",{"$f":"IF(VLOOKUP($D$38,$AE$38:$AF$42,2,FALSE)=AF39,1,0)","v":0},{"$f":"VLOOKUP($D$38,$AE$38:$AG$42,3,FALSE)","v":0},null,null,null,null,null,100000.01,0.8,"Liptovský Mikuláš",32,"Liptovský Mikuláš","LM",1,null,2,1.04,true,null,"I.","JEEP Motors",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,29,"I.",null,null,"zadaj druh MV",1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1]
[null,"preprava",null,null,"nepoisťuje sa",null,null,null,{"$f":"IF(OR($AG$13=0,$AG$14=1),0,VLOOKUP($E$44,$AK$24:$AL$28,2,FALSE))","v":0},null,null,{"$f":"$I$44","v":0},null,null,null,null,null,null,{"$f":"$I$44","v":0},null,null,{"$f":"$I$44","v":0},null,null,null,null,null,null,"CS kód",{"$f":"VLOOKUP(P45,AI37:AK40,3,FALSE)","v":4},"nízka splátka",{"$f":"IF(OR(AND(I39<>0,AG43<>1,I61<AH44),AND(L39<>0,AG43<>1,L61<AH44)),1,0)","v":{"$error":"#DIV/0!"}},{"$f":"IF(OR(AND(S39<>0,AG43<>1,S61<AH44),AND(V39<>0,AG43<>1,V61<AH44)),1,0)","v":{"$error":"#DIV/0!"}},50,null,null,null,null,150000.01,100,"Lučenec",33,"Lučenec","LC",0.9,null,3,1.01,{"$f":"EXACT(AO44,AQ44)","v":true},null,"II.","Kia",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,30,"II.",null,"MV (do 3,5 t) do 5 miest vrátane","MV (do 3,5 t) do 5 miest vrátane",2,0,0,0,0,0,5,10,15,20,25,30,35,40,45,50,2]
[null,"čelné sklo",{"$f":"IF(AND(E47<>AD66,AG65=1),\"Vypočítaná PS GAP > 100 000 EUR.\nPoistenie GAP nie je možné dojednať\",\" \")","v":" "},null,"spoluúčasť 5%, min. 16 EUR",null,null,null,{"$f":"IF(AND(E45<>AI37,OR(AG13=0,AG14=1,AG14=6,AG14=7,AG14=8,AG14=9)),\"nepoistené\",ROUND(I16*VLOOKUP($E$45,$AI$37:$AJ$40,2,FALSE),2))","v":"nepoistené"},null,null,{"$f":"$I$45","v":"nepoistené"},null,null,null,{"$f":"E45","v":"spoluúčasť 5%, min. 16 EUR"},null,null,{"$f":"IF(AND($AG$15=1,$P$45=$AI$40),ROUND(S16*$AJ$39*(1-$AN$9),2),IF(OR(AG13=0,AG14=1,AG14=6,AG14=7,AG14=8,AG14=9),\"nepoistené\",ROUND(S16*VLOOKUP($P$45,$AI$37:$AJ$41,2,FALSE),2)))","v":"nepoistené"},null,null,{"$f":"S45","v":"nepoistené"},null,null,null,null,null,null,"pre malé PS",null,null,null,null,null,null,null,null,null,null,null,"Malacky",34,"Malacky","MA",1,null,3,1.01,true,null,"II.","Lada",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,31,"II.",null,"MV (do 3,5 t) 6-9 miest vrátane","MV (do 3,5 t) 6-9 miest vrátane",3,0,0,0,0,0,8.75,17.5,26.25,35,43.75,52.5,61.25,70,78.75,87.5,3]
[null,"náhradné vozidlo",null,null,"nepoisťuje sa",null,null,null,{"$f":"IF(AND(E46<>AI47,OR($AG$13=0,$AG$14=1)),\"nepoistené\",IF(AND($AG$14<>2,$AG$14<>3,$AG$14<>10,$E$46<>$AI$47),\"nepoistené\",VLOOKUP($E$46,$AI$47:$AJ$57,2,FALSE)))","v":0},null,null,{"$f":"$I$46","v":0},null,null,null,null,null,null,{"$f":"$I$46","v":0},null,null,{"$f":"$I$46","v":0},null,null,null,null,null,null,"spoluúčasť (motocykel)","Koef. spoluúčasti","spoluúčasť (do 3,5 t)","Koef. spoluúčasti","spoluúčasť (nad 3,5 t)","Koef. spoluúčasti","náhradné vozidlo","NV poistné","kontrola NV",null,"Vek držiteľa MV","Koef.","Martin",35,"Martin","MT",1.05,null,1,1.1399999999999999,true,null,"II.","Lancia",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,32,"II.",null,"MV (nad 3,5 t) do 5 miest vrátane","MV (nad 3,5 t) do 5 miest vrátane",4,{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3},0,5,10,15,20,25,30,35,40,45,50,4]
[null,"GAP","GAP PS (do PZ)",{"$f":"IF(AG64=1,\" \",AJ65)","v":" "},"nepoisťuje sa",null,null,null,{"$f":"IF(OR(E47=AD66, AG13=0,AG14=1),0,IF(AG64=1,\"GAP nie je možné\",ROUND($D$47*VLOOKUP($E$47,$AD$66:$AE$70,2,FALSE),2)))","v":0},null,null,{"$f":"$I$47","v":0},null,null,null,null,null,null,{"$f":"$I$47","v":0},null,null,{"$f":"$I$47","v":0},null,null,null,null,null,null,"zadaj dohodnutú spoluúčasť",0,"zadaj dohodnutú spoluúčasť",0,"zadaj dohodnutú spoluúčasť",0,"nepoisťuje sa",0,{"$f":"IF(OR(AND(E46<>AI47,OR(AG13=0,AG14=1)),AND($AG$14<>2,$AG$14<>3,$AG$14<>10,$E$46<>$AI$47)),1,0)","v":0},null,"zadaj vek držiteľa MV",0,"Medzilaborce",36,"Medzilaborce","ML",1,null,7,0.89,true,null,"I.","Land Rover",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,33,"I.",null,"MV (nad 3,5 t) 6-9 miest vrátane","MV (nad 3,5 t) 6-9 miest vrátane",5,{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3},0,8.75,17.5,26.25,35,43.75,52.5,61.25,70,78.75,87.5,5]
[null,null,"dátum prvej evidencie MV",null,"Držiteľ MV od",null,null,null,{"$f":"IF(AND($E$47<>$AD$66,OR($AG$66=1,$AG$67=1)),\"GAP nie je možné\",\" \")","v":" "},null,null,{"$f":"$I$48","v":" "},null,null,null,null,null,null,{"$f":"$I$48","v":" "},null,null,{"$f":"$I$48","v":" "},null,null,null,null,null,null,"5%, min. 66 EUR",1.1000000000000001,"5%, min. 66 EUR",1.1000000000000001,"10%, min. 66 EUR",1.2,"Denný limit 35 EUR x 5 dní",24.95,null,null,"menej ako 22 rokov (nedovŕšených)",1.5,"Michalovce",37,"Michalovce","MI",1,null,2,1.04,true,null,"II.","Ligier",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,34,"II.",null,"náves","náves",6,{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3},0,"nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené",6]
[null,"dátum  prevzatia MV od predajcu podľa Preberacieho protokolu",null,null,"najazdené km",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"spoluúčasť 199 EUR",1.05,"spoluúčasť 199 EUR",1.05,"10%, min. 165 EUR",1.1000000000000001,"Denný limit 35 EUR x 10 dní",47.82,null,null,"od 22 vrátane do 26 rokov (nedovŕšených)",1.3,"Myjava",38,"Myjava","MY",0.95,null,6,0.94,true,null,"I.","Lexus",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,35,"I.",null,"nákladný príves","nákladný príves",7,{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3},0,"nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené",7]
[null,"Obvyklá cena GAP MV\npodľa Protokolu CEBIA",null,null,"Kúpna cena z FA / KPZ / ZoF",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5%, min. 165 EUR",1,"5%, min. 165 EUR",1,"10%, min. 330 EUR",1,"Denný limit 50 EUR x 5 dní",35.64,null,null,"od 26 vrátane do 31 rokov (nedovŕšených)",1.1499999999999999,"Námestovo",39,"Námestovo","NO",1.05,null,1,1.1399999999999999,true,null,"III.","Mahindra",{"$f":"VLOOKUP(AY50,$AZ$10:$BD$12,2,FALSE)","v":4.7E-2},{"$f":"VLOOKUP(AY50,$AZ$10:$BD$12,3,FALSE)","v":4.8000000000000001E-2},{"$f":"VLOOKUP(AY50,$AZ$10:$BD$12,4,FALSE)","v":1.7000000000000001E-2},{"$f":"VLOOKUP(AY50,$AZ$10:$BD$12,5,FALSE)","v":0.01},36,"III.",null,"príves za MV do 3,5 t","príves za MV do 3,5 t",8,{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3},0,"nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené",8]
[null,"Ročné poistné za dodatkové pripoistenia",null,{"$f":"IF(AG74=0,\"\",\"Prever Obvyklú cenu\n a PS kasko\")","v":""},{"$f":"IF(AG73=0,\"\",\"Prever KC GAP a PS kasko\")","v":""},null,null,null,{"$f":"IF(OR(BZ18=1,AJ35=1,AK47=1,AH64=1),x,SUM(I42:I47))","v":{"$error":"#NAME?"}},null,null,{"$f":"IF(OR(BZ18=1,AJ35=1,AK47=1,AH64=1),x,SUM(L42:L47))","v":{"$error":"#NAME?"}},null,null,null,null,null,null,{"$f":"IF(OR(BZ18=1,AJ35=1,AK47=1,AH64=1),x,SUM(S42:S47))","v":{"$error":"#NAME?"}},null,null,{"$f":"IF(OR(BZ18=1,AJ35=1,AK47=1,AH64=1),x,SUM(V42:V47))","v":{"$error":"#NAME?"}},null,null,null,null,null,null,"5%, min. 330 EUR",0.85,"5%, min. 330 EUR",0.85,"10%, min. 500 EUR",0.9,"Denný limit 50 EUR x 10 dní",68.31,null,null,"od 31 vrátane do 36 rokov (nedovŕšených)",1.05,"Nitra",40,"Nitra","NR",0.95,null,4,1,true,null,"II.","MAN",{"$f":"VLOOKUP(AY51,$AZ$10:$BD$12,2,FALSE)","v":4.7E-2},{"$f":"VLOOKUP(AY51,$AZ$10:$BD$12,3,FALSE)","v":4.8000000000000001E-2},{"$f":"VLOOKUP(AY51,$AZ$10:$BD$12,4,FALSE)","v":1.7000000000000001E-2},{"$f":"VLOOKUP(AY51,$AZ$10:$BD$12,5,FALSE)","v":0.01},37,"II.",null,"obytný príves","obytný príves",9,{"$f":"$BK$14","v":4.9200000000000001E-2},{"$f":"$BL$14","v":5.0200000000000002E-2},{"$f":"$BM$14","v":1.78E-2},{"$f":"$BN$14","v":1.0500000000000001E-2},0,"nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené",9]
[null,"Periodicita platenia poistného",null,null,"Koef. periodicity platenia",null,null,null,{"$f":"I38","v":0},null,null,{"$f":"$I$52","v":0},null,null,null,null,null,null,{"$f":"$I$52","v":0},null,null,{"$f":"$I$52","v":0},null,null,null,null,null,null,"pre veľké PS",null,null,null,null,null,"Denný limit 70 EUR x 5 dní",49.9,null,null,"od 36 vrátane do 49 rokov (nedovŕšených)",1,"Nové Mesto nad Váhom",41,"Nové Mesto nad Váhom","NM",0.9,null,6,0.94,true,null,"I.","Maruti",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,38,"I.",null,"obytné MV do 3,5 t","obytné MV do 3,5 t",10,{"$f":"$BK$13","v":7.4300000000000005E-2},{"$f":"$BL$13","v":7.5899999999999995E-2},{"$f":"$BM$13","v":2.69E-2},{"$f":"$BN$13","v":1.5800000000000002E-2},0,5,10,15,20,25,30,35,40,45,50,10]
[null,"Celkové ročné poistné za dodatkové pripoistenia",null,null,null,null,null,null,{"$f":"ROUND(I51*I52,2)","v":{"$error":"#NAME?"}},null,null,{"$f":"ROUND(L51*L52,2)","v":{"$error":"#NAME?"}},null,null,null,null,null,null,{"$f":"ROUND(S51*S52,2)","v":{"$error":"#NAME?"}},null,null,{"$f":"ROUND(V51*V52,2)","v":{"$error":"#NAME?"}},null,null,null,null,null,null,"zadaj dohodnutú spoluúčasť",0,"zadaj dohodnutú spoluúčasť",0,"zadaj dohodnutú spoluúčasť",0,"Denný limit 70 EUR x 10 dní",95.63,null,null,"od 49 vrátane do 71 rokov (nedovŕšených)",0.95,"Nové Zámky",42,"Nové Zámky","NZ",0.9,null,7,0.89,true,null,"I.","Maybach",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,39,"I.",null,"obytné MV nad 3,5 t","obytné MV nad 3,5 t",11,{"$f":"$BK$13","v":7.4300000000000005E-2},{"$f":"$BL$13","v":7.5899999999999995E-2},{"$f":"$BM$13","v":2.69E-2},{"$f":"$BN$13","v":1.5800000000000002E-2},0,5,10,15,20,25,30,35,40,45,50,11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5%, min. 165 EUR",1,"5%, min. 165 EUR",1,"10%, min. 330 EUR",1,"Denný limit 85 EUR x 5 dní",60.59,null,null,"od 71 vrátane do 76 rokov (nedovŕšených)",1.05,"Partizánske",43,"Partizánske","PE",0.9,null,5,0.97,true,null,"III.","Mazda",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,40,"III.",null,"traktor","traktor",12,{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3},0,5,10,15,20,25,30,35,40,45,50,12]
[null,"Celkové ročné poistné (RP) vrátane dane",null,null,null,null,null,null,{"$f":"IF(I39=0,0,ROUND(I39+I53,2))","v":0},null,null,{"$f":"IF(L39=0,0,ROUND(L39+L53,2))","v":0},null,null,null,null,null,null,{"$f":"IF(S39=0,0,ROUND(S39+S53,2))","v":0},null,null,{"$f":"IF(V39=0,0,ROUND(V39+V53,2))","v":0},null,null,null,null,null,null,"5%, min. 330 EUR",0.85,"5%, min. 330 EUR",0.85,"10%, min. 500 EUR",0.9,"Denný limit 85 EUR x 10 dní",116.13,null,null,"od 76 rokov vrátane a viac",1.1499999999999999,"Pezinok",44,"Pezinok","PK",1,null,3,1.01,true,null,"I.","Mercedes-Benz ",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,41,"I.",null,"pojazdný prac. stroj s EČV","pojazdný prac. stroj s EČV",13,{"$f":"$BK$15","v":3.4000000000000002E-2},{"$f":"$BL$15","v":3.4700000000000002E-2},{"$f":"$BM$15","v":1.23E-2},{"$f":"$BN$15","v":7.1999999999999998E-3},0,5,10,15,20,25,30,35,40,45,50,13]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Denný limit 100 EUR x 5 dní",71.28,null,null,"SZČO",0.98,"Piešťany",45,"Piešťany","PN",0.9,null,6,0.94,true,null,"III.","MG",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,42,"III.",null,"autobus od 10-25 miest vrátane","autobus od 10-25 miest vrátane",14,{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3},0,36.450000000000003,72.900000000000006,109.35,145.80000000000001,182.25,218.7,255.15,291.60000000000002,328.05,364.5,14]
[null,"     z toho daň z poistenia",null,null,null,null,null,null,{"$f":"I55-I59","v":0},null,null,{"$f":"L55-L59","v":0},null,null,null,null,null,null,{"$f":"S55-S59","v":0},null,null,{"$f":"V55-V59","v":0},null,null,null,null,null,null,null,null,null,null,null,null,"Denný limit 100 EUR x 10 dní",136.62,null,null,"právnické osoby (a.s., s.r.o., k.s. a pod.)",1,"Poltár",46,"Poltár","PT",0.9,null,4,1,true,null,"III.","Mini",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,43,"III.",null,"autobus nad 25 miest","autobus nad 25 miest",15,{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3},0,65.59,131.18,196.77,262.36,327.95,393.54,459.13,524.72,590.30999999999995,655.9,15]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Poprad",47,"Poprad","PP",0.95,null,3,1.01,true,null,"I.","Mitsubishi",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,44,"I.",null,"motocyklel do 50 cm3","motocyklel do 50 cm3",16,{"$f":"$BK$12","v":0.14760000000000001},{"$f":"$BL$12","v":0.1507},{"$f":"$BM$12","v":5.3400000000000003E-2},{"$f":"$BN$12","v":3.1399999999999997E-2},0,2.6,5.2,7.8,10.4,13,15.6,18.2,20.8,23.4,26,16]
[null,"     Celkové ročné poistné bez dane",null,null,null,null,null,null,{"$f":"ROUND(I55/1.08,2)","v":0},null,null,{"$f":"ROUND(L55/1.08,2)","v":0},null,null,null,null,null,null,{"$f":"ROUND(S55/1.08,2)","v":0},null,null,{"$f":"ROUND(V55/1.08,2)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Považská Bystrica",48,"Považská Bystrica","PB",0.95,null,3,1.01,true,null,"II.","Moskvič",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,45,"II.",null,"motocyklel nad 50 cm3","motocyklel nad 50 cm3",17,{"$f":"$BK$12","v":0.14760000000000001},{"$f":"$BL$12","v":0.1507},{"$f":"$BM$12","v":5.3400000000000003E-2},{"$f":"$BN$12","v":3.1399999999999997E-2},0,5.1100000000000003,10.220000000000001,15.33,20.440000000000001,25.55,30.66,35.770000000000003,40.880000000000003,45.99,51.1,17]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Prešov",49,"Prešov","PO",1.1499999999999999,null,1,1.1399999999999999,true,null,"II.","Nissan",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,46,"II.",null,null,null,null,null,null,null,null,1,2,3,4,5,6,7,8,9,10,11]
[null,"Splátka poistného vrátane dane",null,{"$f":"IF(OR(AF44=1,AG44=1),\"Nízka splátka - zníž frekvenciu platenia poistného\",\" \")","v":{"$error":"#DIV/0!"}},null,null,null,null,{"$f":"ROUND(I55/VLOOKUP($D$38,$AE$38:$AG$42,3,FALSE),2)","v":{"$error":"#DIV/0!"}},null,null,{"$f":"ROUND(L55/VLOOKUP($D$38,$AE$38:$AG$42,3,FALSE),2)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,{"$f":"ROUND(S55/VLOOKUP($D$38,$AE$38:$AG$42,3,FALSE),2)","v":{"$error":"#DIV/0!"}},null,null,{"$f":"ROUND(V55/VLOOKUP($D$38,$AE$38:$AG$42,3,FALSE),2)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Prievidza",50,"Prievidza","PD",0.95,null,2,1.04,true,null,"II.","Oltcit",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,47,"II."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Púchov",51,"Púchov","PU",0.95,null,2,1.04,true,null,"II.","Opel",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,48,"II.",null,null,null,null,null,null,null,null,null,"1 x ZPS - AKCIA KASKO 5B"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Revúca",52,"Revúca","RA",0.9,null,6,0.94,true,null,"II.","Peugeot",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,49,"II.",null,null,null,null,null,null,null,null,null,"Násobok základných PS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"GAP výluka",{"$f":"IF(OR(AG65=1,AG66=1,AG67=1,AG68=1,AG69=1,AG73=1,AJ9=1,AK9=1,F49=0,AND(D50>F10,AD85=0),AD79=1,AD82=1),1,0)","v":1},{"$f":"IF(AND($E$47<>$AD$66,$AG$64=1),1,0)","v":0},null,null,null,null,null,null,"Rimavská Sobota",53,"Rimavská Sobota","RS",0.9,null,5,0.97,true,null,"II.","Piaggio",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,50,"II.",null,"MV (do 3,5 t) 6-9 miest vrátane","Druh MV",null,"A","B","C","D","nepoisťuje sa","1 x ZPS","2 x ZPS","3 x ZPS","4 x zPS","5 x ZPS","6 x ZPS","7 x ZPS","8 x ZPS","9 x ZPS","10 x ZPS"]
[null,"STANOVENIE PML ku dňu",null,{"$f":"F9","v":"2024-01-01"},"dátum prvej evidencie MV",null,null,null,"PML =",null,null,{"$f":"IF(F65=0,0,IF(OR(AJ72=1,AK73=1),\"Oprav dátumy\",AJ75))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"GAP","GAP poistné","GAP PS",{"$f":"IF(AJ65>AH65,1,0)","v":0},100000,"max. PS GAP",{"$f":"IF(AD85=1,F50,MIN(AG71,AG72))","v":0},"GAP PS výpočet",null,null,null,"Rožňava",54,"Rožňava","RV",0.9,null,5,0.97,true,null,"I.","Porsche",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,51,"I.",null,null,"zadaj druh MV",1,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"nepoisťuje sa",0,"rok výroby",{"$f":"IF(E47=AD66,0,IF(OR(YEARFRAC(F9,D48)>5,D48>F9,D48>F48),1,0))","v":0},{"$f":"YEARFRAC(F9,D48)","v":124.00277777777778},null,null,null,null,null,null,"Ružomberok",55,"Ružomberok","RK",1,null,3,1.01,true,null,"III.","Proton",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,52,"III.",null,"MV (do 3,5 t) do 5 miest vrátane","MV (do 3,5 t) do 5 miest vrátane",2,0,0,0,0,0,5,10,15,20,25,30,35,40,45,50,2]
[null,"Vstupná obhliadka MV","najazdené km",null,"dátum  prevzatia MV od predajcu podľa Preberacieho protokolu",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Variant A (3 r. 100 %)",8.9999999999999993E-3,"zápis držiteľa MV",{"$f":"IF(E47=AD66,0,IF(OR(YEARFRAC(F9,F48)>0.25,F48>F9,D48>F48),1,0))","v":0},{"$f":"YEARFRAC(F9,F48)","v":124.00277777777778},null,null,null,null,null,null,"Sabinov",56,"Sabinov","SB",1.1000000000000001,null,3,1.01,true,null,"II.","Renault",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,53,"II.",null,"MV (do 3,5 t) 6-9 miest vrátane","MV (do 3,5 t) 6-9 miest vrátane",3,0,0,0,0,0,8.75,17.5,26.25,35,43.75,52.5,61.25,70,78.75,87.5,3]
[null,{"$f":"IF(OR(D67=0,AND(I67=0,D67<=AG7)),\" \",IF(OR(AD79=1,AD81=1,AD82=1),\"UPRAV VSTUPNÉ ÚDAJE!!!\",IF(OR(AD80=1,AD83=1),\"VSTUPNÁ OBHLIADKA JE NUTNÁ, MV JE OJAZDENÉ, nahláste ojazdené MV na obhliadku, inak PZ nenadobudne účinnosť!!!\",IF(AND(AD79=0,AD80=0,AD81=0,AD82=0,AD83=0),\"VSTUPNÁ OBHLIADKA nie je potrebná, MV JE NOVÉ.\",\"???\"))))","v":" "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Variant B (4 r. 100 %)",1.0699999999999999E-2,"druh MV",{"$f":"IF(AND($AG$14<>2,$AG$14<>3,$AG$14<>10),1,0)","v":1},null,null,null,null,null,null,null,"Senec",57,"Senec","SC",1,null,5,0.97,true,null,"I.","Rover",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,54,"I.",null,"MV (nad 3,5 t) do 5 miest vrátane","MV (nad 3,5 t) do 5 miest vrátane",4,{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3},0,5,10,15,20,25,30,35,40,45,50,4]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Nebonus / Bonus","Variant C (5 r. 100 %)",1.32E-2,"použivanie MV",{"$f":"IF(OR(AND($AK$31<>2,$AK$31<>5),AND($AK$32<>1,$AK$32<>2,$AK$32<>5)),1,0)","v":1},null,null,null,null,null,null,null,"Senica",58,"Senica","SE",0.95,null,7,0.89,true,null,"I.","Saab",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,55,"I.",null,"MV (nad 3,5 t) 6-9 miest vrátane","MV (nad 3,5 t) 6-9 miest vrátane",5,{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3},0,8.75,17.5,26.25,35,43.75,52.5,61.25,70,78.75,87.5,5]
[null,"Záznamy ÚNP",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Variant D (3 r. 100 %, 4.r. 70 %, 5. r. 50 %)",9.2999999999999992E-3,"CEBIA",{"$f":"D50","v":0},null,null,null,null,null,null,null,"Skalica",59,"Skalica","SI",0.95,null,7,0.89,true,null,"II.","Seat",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,56,"II.",null,"náves","náves",6,{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3},0,"nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené",6]
[null,null,null,null,null,"Netto sadzba za MV",null,null,{"$f":"IF($AG$11=1,0,ROUND(I39/$I$10,6))","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF($AG$11=1,0,ROUND(L39/$I$10,6))","v":{"$error":"#DIV/0!"}},null,null,null,"Netto sadzba za MV",null,null,{"$f":"IF($AG$11=1,0,ROUND(S39/$I$10,6))","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF($AG$11=1,0,ROUND(V39/$I$10,6))","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,"105% CEBIA",{"$f":"ROUND(D50*1.05,2)","v":0},null,null,null,null,null,null,null,"Snina",60,"Snina","SV",1,null,7,0.89,true,null,"I.","Smart",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,57,"I.",null,"nákladný príves","nákladný príves",7,{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3},0,"nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené",7]
[null,null,null,null,null,"Minimálne poistné",null,null,{"$f":"IF($AG$11=1,0,ROUND(I40/$I$10,6))","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF($AG$11=1,0,ROUND(L40/$I$10,6))","v":{"$error":"#DIV/0!"}},null,null,null,"Minimálne poistné",null,null,{"$f":"IF($AG$11=1,0,ROUND(S40/$I$10,6))","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF($AG$11=1,0,ROUND(V40/$I$10,6))","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,"KC / KPZ",{"$f":"F50","v":0},null,"kontrola s PML",{"$f":"IF(AND($E$47<>$AD$66,F65<>0,F65<>D48),1,0)","v":0},null,null,null,null,"Sobrance",61,"Sobrance","SO",1,null,5,0.97,true,null,"III.","SsangYong",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,58,"III.",null,"príves za MV do 3,5 t","príves za MV do 3,5 t",8,{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3},0,"nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené",8]
[null,null,null,null,null,"Netto s pripoisteniami",null,null,{"$f":"IF($AG$11=1,0,ROUND(I55/$I$10,6))","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF($AG$11=1,0,ROUND(L55/$I$10,6))","v":{"$error":"#DIV/0!"}},null,null,null,"Netto s pripoisteniami",null,null,{"$f":"IF($AG$11=1,0,ROUND(S55/$I$10,6))","v":{"$error":"#DIV/0!"}},null,null,{"$f":"IF($AG$11=1,0,ROUND(V55/$I$10,6))","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,"KC > PS",{"$f":"IF(AND($E$47<>$AD$66,F50>F10),1,0)","v":0},null,"Rok Výroby",{"$f":"F65","v":"00:00:00"},{"$f":"IF(AJ74<AJ73,1,0)","v":0},{"$f":"_xlfn.DAYS(AJ74,AJ73)","v":45292},null,null,"Spišská Nová Ves",62,"Spišská Nová Ves","SN",0.9,null,5,0.97,true,null,"III.","Subaru",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,59,"III.",null,"obytný príves","obytný príves",9,{"$f":"$BK$14","v":4.9200000000000001E-2},{"$f":"$BL$14","v":5.0200000000000002E-2},{"$f":"$BM$14","v":1.78E-2},{"$f":"$BN$14","v":1.0500000000000001E-2},0,"nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené","nepoistené",9]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ObC > PS",{"$f":"IF(AND($E$47<>$AD$66,AD85=0,D50>F10),1,0)","v":0},null,"účinnosť",{"$f":"F9","v":"2024-01-01"},null,{"$f":"DAYS360(AJ73,AJ74,TRUE)","v":44641},null,null,"Stará Ľubovňa",63,"Stará Ľubovňa","SL",0.95,null,2,1.04,true,null,"II.","Suzuki",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,60,"II.",null,"obytné MV do 3,5 t","obytné MV do 3,5 t",10,{"$f":"$BK$13","v":7.4300000000000005E-2},{"$f":"$BL$13","v":7.5899999999999995E-2},{"$f":"$BM$13","v":2.69E-2},{"$f":"$BN$13","v":1.5800000000000002E-2},0,5,10,15,20,25,30,35,40,45,50,10]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Bežné ročné poistné (bez akcie) je vyššie o",null,null,{"$f":"ROUND($I$55/S$55,4)-1","v":{"$error":"#DIV/0!"}},null,null,{"$f":"ROUND($L$55/V$55,4)-1","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,"PML",{"$f":"IF(YEARFRAC(AJ73,AJ74,0)<=1,F10,IF(YEARFRAC(AJ73,AJ74,0)<=2,ROUND(F10*0.85,2),IF(YEARFRAC(AJ73,AJ74,0)<=3,ROUND(F10*0.75,2),IF(YEARFRAC(AJ73,AJ74,0)<=4,ROUND(F10*0.65,2),IF(YEARFRAC(AJ73,AJ74,0)<=5,ROUND(F10*0.55,2),IF(YEARFRAC(AJ73,AJ74,0)<=6,ROUND(F10*0.45,2),ROUND(F10*0.35,2)))))))","v":0},null,{"$f":"DAYS360(AJ73,AJ74,FALSE)","v":44641},null,null,"Stropkov",64,"Stropkov","SP",1,null,4,1,true,null,"II.","Škoda  - ostatné",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,61,"II.",null,"obytné MV nad 3,5 t","obytné MV nad 3,5 t",11,{"$f":"$BK$13","v":7.4300000000000005E-2},{"$f":"$BL$13","v":7.5899999999999995E-2},{"$f":"$BM$13","v":2.69E-2},{"$f":"$BN$13","v":1.5800000000000002E-2},0,5,10,15,20,25,30,35,40,45,50,11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Svidník",65,"Svidník","SK",1,null,4,1,{"$f":"EXACT(AO76,AQ76)","v":true},null,"II.","Škoda Fabia",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,62,"II.",null,"traktor","traktor",12,{"$f":"$BK$11","v":3.15E-2},{"$f":"$BL$11","v":3.2199999999999999E-2},{"$f":"$BM$11","v":1.14E-2},{"$f":"$BN$11","v":6.7000000000000002E-3},0,5,10,15,20,25,30,35,40,45,50,12]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Šaľa",66,"Šaľa","SA",0.9,null,7,0.89,true,null,"II.","Škoda Felícia",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,63,"II.",null,"pojazdný prac. stroj s EČV","pojazdný prac. stroj s EČV",13,{"$f":"$BK$15","v":3.4000000000000002E-2},{"$f":"$BL$15","v":3.4700000000000002E-2},{"$f":"$BM$15","v":1.23E-2},{"$f":"$BN$15","v":7.1999999999999998E-3},0,5,10,15,20,25,30,35,40,45,50,13]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NOVÉ/OJAZDENÉ MV (Vstupná obhliadka)",null,null,null,null,null,null,null,null,"Výkon MV","Koef.","Topoľčany",67,"Topoľčany","TO",0.9,null,7,0.89,true,null,"II.","Škoda Octavia",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,64,"II.",null,"autobus od 10-25 miest vrátane","autobus od 10-25 miest vrátane",14,{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3},0,36.450000000000003,72.900000000000006,109.35,145.80000000000001,182.25,218.7,255.15,291.60000000000002,328.05,364.5,14]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E47<>AD66,D67<>0,D67<>F49),1,0)","v":0},"km iné ako v GAP",null,null,null,null,{"$f":"YEARFRAC(AJ73,AJ74,0)","v":124.00277777777778},0,null,"zadaj výkon MV",0,"Trebišov",68,"Trebišov","TV",1,null,5,0.97,true,null,"I.","Škoda Superb",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,65,"I.",null,"autobus nad 25 miest","autobus nad 25 miest",15,{"$f":"$BK$10","v":3.4000000000000002E-2},{"$f":"$BL$10","v":3.4700000000000002E-2},{"$f":"$BM$10","v":1.23E-2},{"$f":"$BN$10","v":7.1999999999999998E-3},0,65.59,131.18,196.77,262.36,327.95,393.54,459.13,524.72,590.30999999999995,655.9,15]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(D67<>0,D67>AG7),1,0)","v":0},"km viac ako 50",null,null,null,null,{"$f":"YEARFRAC(AJ73,AJ74,1)","v":124.00341685649202},1,null,"do 61 kW vrátane",0.9,"Trenčín",69,"Trenčín","TN",0.9,null,2,1.04,true,null,"I.","Talbot",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,66,"I.",null,"motocyklel do 50 cm3","motocyklel do 50 cm3",16,{"$f":"$BK$12","v":0.14760000000000001},{"$f":"$BL$12","v":0.1507},{"$f":"$BM$12","v":5.3400000000000003E-2},{"$f":"$BN$12","v":3.1399999999999997E-2},0,2.6,5.2,7.8,10.4,13,15.6,18.2,20.8,23.4,26,16]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(I67>F9,1,0)","v":0},"prevzatie neskôr ako účinnosť",null,null,null,null,{"$f":"YEARFRAC(AJ73,AJ74,2)","v":125.81111111111112},2,null,"61,01 kW – 93 kW vrátane",0.95,"Trnava",70,"Trnava","TT",1,null,2,1.04,true,null,"III.","Tata",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,67,{"$f":"AY81","v":"III."},null,"motocyklel nad 50 cm3","motocyklel nad 50 cm3",17,{"$f":"$BK$12","v":0.14760000000000001},{"$f":"$BL$12","v":0.1507},{"$f":"$BM$12","v":5.3400000000000003E-2},{"$f":"$BN$12","v":3.1399999999999997E-2},0,5.1100000000000003,10.220000000000001,15.33,20.440000000000001,25.55,30.66,35.770000000000003,40.880000000000003,45.99,51.1,17]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E47<>AD66,I67<>0,I67<>D49),1,0)","v":0},"prevzatie iné ako GAP",null,null,null,null,{"$f":"YEARFRAC(AJ73,AJ74,3)","v":124.08767123287672},3,null,"93,01 kW – 105 kW vrátane",1,"Turčianske Teplice",71,"Turčianske Teplice","TR",1.05,null,2,1.04,true,null,"II.","TATRA",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,68,"II.",null,null,null,null,null,null,null,null,1,2,3,4,5,6,7,8,9,10,11]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF((F9-I67)>AG8,1,0)","v":1},"prevzatia viac ako 1 deň",null,null,null,null,{"$f":"YEARFRAC(AJ73,AJ74,4)","v":124.00277777777778},4,null,"105,01 kW – 174 kW vrátane",1.05,"Tvrdošín",72,"Tvrdošín","TS",1.05,null,2,1.04,true,null,"II.","TAZ",{"$f":"VLOOKUP(AY83,$AZ$10:$BD$12,2,FALSE)","v":4.7E-2},{"$f":"VLOOKUP(AY83,$AZ$10:$BD$12,3,FALSE)","v":4.8000000000000001E-2},{"$f":"VLOOKUP(AY83,$AZ$10:$BD$12,4,FALSE)","v":1.7000000000000001E-2},{"$f":"VLOOKUP(AY83,$AZ$10:$BD$12,5,FALSE)","v":0.01},69,"II."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(D67=0,1,0)","v":1},"nezadané km / nazobraz dni",null,null,null,null,null,null,null,"174,01 kW a viac",1.1000000000000001,"Veľký Krtíš",73,"Veľký Krtíš","VK",0.9,null,7,0.89,true,null,"III.","Toyota",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,70,"III."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(E47<>AD66,F49<>0,F49<=AG7),1,0)","v":0},"km menej ako 50 v GAP",null,null,"Bonus","Bonus",{"$f":"IF(D36=AI86,VLOOKUP(F35,AI90:AJ95,2,FALSE),VLOOKUP(E37,AG86:AH95,2,FALSE))","v":0},null,null,null,null,"Vranov nad Topľou",74,"Vranov nad Topľou","VT",1,null,6,0.94,true,null,"II.","VAB",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,71,"II."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od mínus do 12 mes.",0,"rozhodná doba čestne prehlásená",null,null,null,null,null,"Zlaté Moravce",75,"Zlaté Moravce","ZM",0.9,null,7,0.89,true,null,"II.","VAZ",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,72,"II."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od 12 vrátane do 24 mes.",0.1,"rozhodná doba prevzatá",0,null,null,null,null,"Zvolen",76,"Zvolen","ZV",0.95,null,3,1.01,true,null,"II.","Volga ",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,73,"II."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od 24 vrátane do 36 mes.",0.2,null,null,null,null,null,null,"Žarnovica",77,"Žarnovica","ZC",0.9,null,7,0.89,true,null,"II.","Volkswagen",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,74,"II."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"škodový priebeh","NZ","od 36 vrátane do 48 mes.",0.3,null,null,null,null,null,null,"Žiar nad Hronom",78,"Žiar nad Hronom","ZH",0.9,null,4,1,true,null,"II.","Volvo",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,75,"II."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"zadaj počet PU",0,"od 48 vrátane do 60 mes.",0.4,"zadaj počet PU",0,null,null,null,null,"Žilina",79,"Žilina","ZA",1.05,null,1,1.1399999999999999,true,null,"II.","Yugo",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,76,"II."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0.4,"od 60 vrátane do 72 mes.",0.5,0,0.4,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"II.","ZAZ",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,77,"II."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,0.3,"od 72 vrátane do 84 mes.",0.55000000000000004,1,0.3,null,null,null,null,null,null,"Okres","Koef.",null,null,null,null,null,null,"II.","ZIL",4.7E-2,4.8000000000000001E-2,1.7000000000000001E-2,0.01,78,"II."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,0.2,"od 84 vrátane do 96 mes.",0.6,2,0.2,null,null,null,null,null,null,1,1.1499999999999999,null,"TOP - KE, PV",null,null,null,null,null,null,1,2,3,4,79]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,0.1,"od 96 vrátane do 108 mes.",0.65,3,0.1,null,null,null,null,null,null,2,1.1000000000000001,null,"VERY HIGH - BA, KS, SB"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"4 a viac",0,"od 108  mes. vrátane a viac",0.7,"4 a viac",0,null,null,null,null,null,null,3,1.05,null,"HIGH - ZA, MT, Kysuce, Turiec, Orava, BS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,1,null,"MID - TT, BA okolie, Liptov, Východ, BY"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,5,0.95,null,"LOW - NR, PD, BB, ZV, PP, PB, PU, Záhorie, Zatatrie, DT, BR, GL"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Akcia (B+do 3,5 t+II+III)",null,"bez ČS","s ČS",null,null,null,null,"prevodník veku",null,null,null,null,null,6,0.9,null,"BOTTOM - TN, Spiš, Podunaj, Juh, Dolný Váh, Dolný Hron, Ponitrie"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5%, min. 165 EUR",0,1,1,null,null,null,null,"Vek držiteľa MV","Koef.","Vek držiteľa MV","Koef."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"spoluúčasť 199 EUR",0,1.05,1.05,null,null,null,null,"zadaj vek držiteľa MV",100,"zadaj vek držiteľa MV",100]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5%, min. 66 EUR",0,1.1000000000000001,1.1000000000000001,null,null,null,null,"menej ako 21 rokov (nedovŕšených)",1.8,"menej ako 23 rokov (nedovŕšených)",1.75]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"5%, min. 330 EUR",0,0.85,0.85,null,null,null,null,"od 21 vrátane do 24 rokov (nedovŕšených)",1.45,"od 23 vrátane do 25 rokov (nedovŕšených)",1.39]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"modifikované",{"$f":"IF(AND(AG15=1,OR(AD18=1,AD20=1,AD42=1,AD43=1)),1,0)","v":0},null,null,null,null,null,null,"od 24 vrátane do 29 rokov (nedovŕšených)",1.3,"od 25 vrátane do 27 rokov (nedovŕšených)",1.31]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od 29 vrátane do 37 rokov (nedovŕšených)",1.1000000000000001,"od 27 vrátane do 30 rokov (nedovŕšených)",1.1000000000000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od mínus do 12",null,null,null,null,null,null,null,"od 37 vrátane do 49 rokov (nedovŕšených)",1.03,"od 30 vrátane do 50 rokov (nedovŕšených)",1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od 12 vrátane do 24",null,null,null,null,null,null,null,"od 49 vrátane do 57 rokov (nedovŕšených)",1,"od 50 vrátane do 65 rokov (nedovŕšených)",0.87]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od 24 vrátane do 36",null,null,null,null,null,null,null,"od 57 vrátane do 66 rokov (nedovŕšených)",0.97,"od 50 vrátane do 65 rokov (nedovŕšených)",0.87]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od 36 vrátane do 48",null,null,null,null,null,null,null,"od 66 rokov vrátane a viac",0.95,"od 65 vrátane do 70 rokov (nedovŕšených)",0.82]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od 48 vrátane do 60",null,null,null,null,null,null,null,"SZČO",0.98,"právnické osoby a SZČO",1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od 60 vrátane do 72",null,null,null,null,null,null,null,"právnické osoby (a.s., s.r.o., k.s. a pod.)",1,"právnické osoby a SZČO",1]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od 72 vrátane do 84"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od 84 vrátane do 96"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od 96 vrátane do 108"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"od 108 vrátane a viac"]

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[]
[null,"Verzia","Platnosť verzie",null,"Zmeny / opravy / úpravy oproti predchádzajúcej verzii",null,"MENU"]
[null,null,"od","do"]
[null,"2023-11-03","2023-07-01","2024-03-31","predĺženie platnosti kalkulačky"]
[null,"2023-05-30","2023-07-01","2023-12-31","zmena základných sadzieb pre segment aj nesegment"]
[null,"2022-11-22","2023-01-01","2023-06-30","zmena sadzieb a segmentačných koef."]
[null,"2021-11-25","2022-01-01","2022-12-31","zmena sadzieb"]
[null,null,null,null,"úprava výsl. koef. za 2 spôsoby používania MV"]
[null,null,null,null,"vylepšenie kontroly pripoistení"]
[null,null,null,null,"doplnenie nových druhov MV (obytné MV, pojazdný prac. stroj s EČV)"]
[null,"2021-08-23","2021-05-01","2021-12-31","predĺženie platnosti kalkulačky"]
[null,"2021-04-13","2021-05-01","2021-09-30","aktualizácia segmentácie (doplnenie výkonu MV)"]
[null,null,null,null,"zmena sadzieb a koef."]
[null,null,null,null,"úprava minimálneho poistného za základné poistenie MV"]
[null,null,null,null,"vylepšenie kontroly a výpočtu GAP PS"]
[null,"2021-02-09","2020-07-15","2021-04-30","predĺženie platnosti kalkulačky (Akciové zníženia sadzieb základného poistenia + AK2020-1)"]
[null,"2020-10-15","2020-07-15","2021-02-28","predĺženie platnosti kalkulačky (Akciové zníženia sadzieb základného poistenia)"]
[null,"2020-07-06","2020-07-15","2020-10-31","akciové zníženia sadzieb základného poistenia"]
[null,"2020-02-20","2019-11-01","2020-09-30","predĺženie platnosti kalkulačky"]
[null,"2019-10-07","2019-11-01","2020-03-31","zmena základných sadzieb a koef. pre vek"]
[null,"2019-08-16","2019-09-01","2019-12-31","doplnenie výpočtov pre segmentáciu"]
[null,null,null,null,"úprava PS a spoluúčastí podľa Metodiky"]
[null,null,null,null,"zrušenie členenia na leasingové a neleasingové MV"]
[null,null,null,null,"vylepšenie kontroly spoluúčasti"]
[null,null,null,null,"vylepšenie kontroly GAP"]
[null,null,null,null,"výpočet PML"]
[null,null,null,null,"upozornenie na povinnosť absolvovať vstupnú obhliadku pre ojazdené MV"]
[null,"2019-05-17","2019-01-01","2019-07-31","predĺženie platnosti kalkulačky"]
[null,"2019-03-29","2019-01-01","2019-05-31","predĺženie platnosti kalkulačky"]
[null,"2018-11-30","2019-01-01","2019-03-31","zmena sadzieb z dôvodu zavedenia dane z poistenia"]
[null,null,null,null,"doplnenie výpočtov k dani z poistenia"]
[null,null,null,null,"kontrola výšky splátky poistného"]
[null,"2018-09-14","2018-03-01","2018-12-31","predĺženie platnosti kalkulačky"]
[null,"2018-05-31","2018-03-01","2018-09-30","predĺženie platnosti kalkulačky"]
[null,"2018-05-02","2018-03-01","2018-05-31","predĺženie platnosti kalkulačky"]
[null,"2018-02-28","2018-03-01","2018-04-30","zrušenie spoluúčasti Franšíza 199 EUR"]
[null,"2017-12-15","2018-01-01","2018-04-30","zapracovanie AK2018-1"]
[null,null,null,null,"rovnaké sadzby pre všetky RS"]
[null,null,null,null,"zrušenie spoluúčasti 0 EUR"]
[null,null,null,null,"zmena spoluúčasti 150 € na 199 €"]
[null,null,null,null,"zmena koef. spoluúčastí"]
[null,null,null,null,"kontrola PS MV a povolenej spoluúčasti"]
[null,null,null,null,"kontrola leasingového a neleasingového MV"]
[null,"2017-09-21","2017-07-01","2017-12-31","predĺženie platnosti kalkulačky, ponechanie len 1 variantu"]
[null,"2017-05-29","2017-07-01","2017-09-30","úprava formátovania"]
[null,"2017-05-19","2017-07-01","2017-09-30","zmena koef. pre spoluúčasť 0 EUR a franšízu 199 EUR"]
[null,"2017-03-23","2017-01-01","2017-06-30","predĺženie platnosti kalkulačky"]
[null,"2017-01-11","2017-01-01","2017-03-31","oprava sadzieb pre MV nad 3,5 t vo Full variantoch"]
[null,null,null,null,"oprava comba pripoistenia prepravy vo Full variantoch"]
[null,null,null,null,"doplnenie výluky pre Range Rover Evoque"]
[null,null,null,null,"predĺženie platnosti kalkulačky"]
[null,"2016-12-15","2017-01-01","2017-01-31","zvýšenie základných sadzieb a sadzieb pre pripoistenia"]
[null,null,null,null,"zmena rozsahu akciového balíka (nová Akcia Kasko 2017-1)"]
[null,null,null,null,"rozšírenie porovnania akciových a neakciových variantov"]
[null,null,null,null,"rozšírenie nápovedy (komentáre)"]
[null,"2016-10-25","2016-09-01","2016-12-31","predĺženie platnosti kalkulačky"]
[null,"2016-09-23","2016-09-01","2016-10-31","oprava RS značky \"DS\""]
[null,null,null,null,"doplnenie značky \"Piaggio\""]
[null,null,null,null,"úprava veľkosti pri tlači"]
[null,"2016-09-12","2016-09-01","2016-10-31","nastavenie kontroly výluky GAP (druh MV, PS, vek MV, zapis držiteľa, spôsob používania)"]
[null,null,null,null,"doplnenie možnosti zadať 2 rôzne spôsoby používania MV s výpočtom výsled. koef."]
[null,"2016-09-06","2016-09-01","2016-10-31","nastavenie kontroly a \"sčernania\" kalkulačky pre PS max a vypršanú platnosť kalkulačky"]
[null,null,null,null,"nastavenie kontroly a \"sčernania\" kalkulačky pre nekorektne udelené zľavy (veľa zliav)"]
[null,null,null,null,"oprava chyby - nesprávna PS max pre MV nad 3,5 t a motocykle"]
[null,null,null,null,"oprava chyby - nemožnosť zmeniť combo s počtom mesiacov bezškodového priebehu"]
[null,null,null,null,"oprava chyby - prázdne combo pre GAP full verzia"]
[null,null,null,null,"rozšírenie nápovedy (komentáre)"]
[null,null,null,null,"zrušenie karty \"Kódy MV\""]
[null,null,null,null,"zavedenie karty \"Zmeny\""]

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[null,null,"Platnosť kalkulačky",null,null,null,"MENU"]
[null,null,null,null,"txt"]
[null,null,"od","2023-07-01","01.07.2023",null,null,null,"od",{"$f":"$D$4","v":"2023-07-01"},"check",null,{"$f":"IF(TODAY()<Date!D4,Date!D4,TODAY())","v":"2023-11-03"}]
[null,null,"do","2024-03-31","31.03.2024",null,null,null,"do",{"$f":"$D$5","v":"2024-03-31"}]
[null,null,null,null,null,null,null,null,"uzatvorenie",{"$f":"TODAY()","v":"2023-11-03"},{"$f":"IF(J6-J9>J5,1,0)","v":0}]
[null,null,null,null,null,null,null,null,"účinnosť",{"$f":"'Kalkulačka KASKO'!F9","v":"2024-01-01"},{"$f":"IF(OR(J7<J4,J7>J5,J8-J10>J5),1,0)","v":0}]
[null,null,null,"verzia","03.11.2023",null,null,null,"today",{"$f":"TODAY()","v":"2023-11-03"}]
[null,null,null,null,null,null,null,null,"spätne uzatvorenie",10]
[null,null,null,null,null,null,null,null,"spätne účinnosť",10]
[null,null,null,null,null,null,null,null,"OUT",null,{"$f":"IF(OR(K6=1,K7=1),1,0)","v":0}]