{"id":133340,"date":"2018-06-19T12:32:53","date_gmt":"2018-06-19T11:32:53","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=133340"},"modified":"2018-06-20T12:23:13","modified_gmt":"2018-06-20T11:23:13","slug":"dtest-cestovni-pojisteni-aneb-aby-se-dovolena-neprodrazila","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=133340","title":{"rendered":"dTEST: Cestovn\u00ed poji\u0161t\u011bn\u00ed aneb Aby se dovolen\u00e1 neprodra\u017eila"},"content":{"rendered":"

\"\"<\/p>\n

Na seznamu v\u011bc\u00ed, kter\u00e9 je pot\u0159eba za\u0159\u00eddit, nakoupit a zabalit p\u0159ed odjezdem na dovolenou, by rozhodn\u011b nem\u011blo chyb\u011bt cestovn\u00ed poji\u0161t\u011bn\u00ed. V\u00edte, pro jak\u00e9 p\u0159\u00edpady a v jak\u00e9 v\u00fd\u0161i se pojistit?<\/h6>\n

\"\"Tr\u00e1v\u00edte-li dovolenou v \u010cesk\u00e9 republice, zpravidla nem\u00e1te d\u016fvod se cestovn\u011b p\u0159ipoji\u0161\u0165ovat. Povinn\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed v\u00e1m garantuje bezplatnou l\u00e9ka\u0159skou p\u00e9\u010di kdekoliv v \u010cesk\u00e9 republice, povinn\u00e9 ru\u010den\u00ed a havarijn\u00ed poji\u0161t\u011bn\u00ed kryje \u0161kody zp\u016fsoben\u00e9 va\u0161\u00edm motorov\u00fdm vozidlem a p\u0159\u00edpadn\u00e1 \u0161koda, kterou zp\u016fsob\u00edte n\u011bkomu jin\u00e9mu, bude hrazena z va\u0161eho poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu. Tedy m\u00e1te-li jej sjedn\u00e1no, t\u0159eba jako sou\u010d\u00e1st poji\u0161t\u011bn\u00ed dom\u00e1cnosti. Dal\u0161\u00ed poji\u0161t\u011bn\u00ed byste m\u011bli zva\u017eovat pouze v p\u0159\u00edpad\u011b, \u017ee cestujete s cestovn\u00ed kancel\u00e1\u0159\u00ed, pak se m\u016f\u017ee hodit poji\u0161t\u011bn\u00ed storna z\u00e1jezdu. Pokud pl\u00e1nujete na dovolen\u00e9 provozovat sportovn\u00ed aktivity, lze vyu\u017e\u00edt kr\u00e1tkodob\u00e9 \u00farazov\u00e9 poji\u0161t\u011bn\u00ed.<\/p>\n

Va\u0161e povinn\u00e9 ru\u010den\u00ed plat\u00ed i v zahrani\u010d\u00ed. \u201eNa zelen\u00e9 kart\u011b jsou uvedeny st\u00e1ty, na kter\u00e9 se poji\u0161t\u011bn\u00ed vztahuje. Cestujete-li autem do st\u00e1tu, kter\u00fd na kart\u011b uveden nen\u00ed nebo je p\u0159e\u0161krtnut\u00fd, mus\u00edte si zaplatit takzvan\u00e9 hrani\u010dn\u00ed poji\u0161t\u011bn\u00ed. Havarijn\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017eete m\u00edt sjedn\u00e1no bu\u010f jen pro \u00fazem\u00ed \u010cesk\u00e9 republiky, nebo i pro zahrani\u010d\u00ed. Ov\u011b\u0159te si proto, zda a v jak\u00e9m rozsahu va\u0161e havarijn\u00ed poji\u0161t\u011bn\u00ed v zahrani\u010d\u00ed plat\u00ed,\u201c<\/em> upozor\u0148uje Luk\u00e1\u0161 Zelen\u00fd, vedouc\u00ed pr\u00e1vn\u00edho odd\u011blen\u00ed spot\u0159ebitelsk\u00e9 organizace dTest. Pot\u0159ebujete-li se pro cestu autem do zahrani\u010d\u00ed havarijn\u011b p\u0159ipojistit, sjednejte si kr\u00e1tkodob\u00e9 havarijn\u00ed poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed asisten\u010dn\u00edch slu\u017eeb v zahrani\u010d\u00ed.<\/p>\n

Karti\u010dka poji\u0161t\u011bnce plat\u00ed ve v\u0161ech st\u00e1tech Evropsk\u00e9 unie a zaru\u010duje v\u00e1m bezplatnou l\u00e9ka\u0159skou p\u00e9\u010di ve stejn\u00e9m rozsahu, v jak\u00e9m je poskytov\u00e1na tuzemsk\u00fdm poji\u0161t\u011bnc\u016fm. Plat\u00ed v\u0161ak pouze ve st\u00e1tn\u00edch a ve\u0159ejn\u00fdch zdravotnick\u00fdch za\u0159\u00edzen\u00edch a s mnoha doplatky. \u201eNav\u00edc zdravotn\u00ed poji\u0161\u0165ovna za l\u00e9\u010dbu zaplat\u00ed pouze hodnotu ekvivalentu platby v tuzemsku. Zbytek budete muset doplatit, p\u0159i\u010dem\u017e je dobr\u00e9 myslet na to, \u017ee l\u00e9ka\u0159sk\u00e9 v\u00fdkony ve v\u011bt\u0161in\u011b evropsk\u00fdch zem\u00ed jsou dra\u017e\u0161\u00ed ne\u017e v \u010cesk\u00e9 republice,\u201c<\/em> vysv\u011btluje Luk\u00e1\u0161 Zelen\u00fd.<\/p>\n

Nechcete-li tedy p\u0159i zahrani\u010dn\u00ed dovolen\u00e9 riskovat krom\u011b zdravotn\u00edch probl\u00e9m\u016f tak\u00e9 probl\u00e9my finan\u010dn\u00ed, m\u011bli byste p\u0159ed odjezdem uzav\u0159\u00edt cestovn\u00ed poji\u0161t\u011bn\u00ed. Jeho z\u00e1kladn\u00ed slo\u017ekou je poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh a asisten\u010dn\u00ed slu\u017eby. K tomu se lze p\u0159ipojistit je\u0161t\u011b pro p\u0159\u00edpad \u00farazu, trval\u00e9 invalidity a smrti n\u00e1sledkem \u00farazu, pro p\u0159\u00edpad zni\u010den\u00ed \u010di kr\u00e1de\u017ee zavazadel nebo \u0161kody zp\u016fsoben\u00e9 t\u0159et\u00ed osob\u011b.<\/p>\n

Jednotliv\u00e9 poji\u0161\u0165ovny se ve sv\u00fdch nab\u00eddk\u00e1ch p\u0159edh\u00e1n\u011bj\u00ed, tak\u017ee u n\u011bkter\u00fdch se nap\u0159\u00edklad m\u016f\u017eete pojistit i pro p\u0159\u00edpad nutn\u00e9ho veterin\u00e1rn\u00edho o\u0161et\u0159en\u00ed va\u0161eho dom\u00e1c\u00edho mazl\u00ed\u010dka. Pokud cestujete do zahrani\u010d\u00ed s cestovn\u00ed kancel\u00e1\u0159\u00ed, m\u016f\u017eete si cestovn\u00ed poji\u0161t\u011bn\u00ed sjednat p\u0159\u00edmo s n\u00ed. Zva\u017ete tak\u00e9 nab\u00eddku poji\u0161t\u011bn\u00ed storna z\u00e1jezdu, kdybyste z v\u00e1\u017en\u00fdch d\u016fvod\u016f nemohli na dovolenou odcestovat.<\/p>\n

Doporu\u010den\u00ed a tipy dTestu<\/strong><\/p>\n

* Cestovn\u00ed poji\u0161t\u011bn\u00ed prodra\u017e\u00ed va\u0161i dovolenou o n\u011bkolik des\u00edtek \u010di stovek korun, m\u016f\u017ee v\u00e1m v\u0161ak u\u0161et\u0159it statis\u00edce a\u017e miliony.<\/p>\n

* Zva\u017ete, zda opravdu pot\u0159ebujete v\u0161echna p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e1 v\u00e1m pracovn\u00edk poji\u0161\u0165ovny nab\u00edz\u00ed.<\/p>\n

* M\u00e1te-li cestovn\u00ed poji\u0161t\u011bn\u00ed sjednan\u00e9 ke sv\u00e9 platebn\u00ed kart\u011b, prov\u011b\u0159te jeho rozsah.<\/p>\n

* Poji\u0161t\u011bn\u00ed a poji\u0161\u0165ovnu vyb\u00edrejte v internetov\u00fdch srovn\u00e1va\u010d\u00edch. Vyzkou\u0161ejte jich v\u00edce, proto\u017ee v\u00fdsledky se mohou li\u0161it.<\/p>\n

* Poji\u0161t\u011bn\u00ed sjednan\u00e9 online b\u00fdv\u00e1 levn\u011bj\u0161\u00ed ne\u017e na pobo\u010dce.<\/p>\n

* Cestovn\u00ed poji\u0161t\u011bn\u00ed sv\u00fdm klient\u016fm \u010dasto za v\u00fdhodnou cenu nab\u00edzej\u00ed i zdravotn\u00ed poji\u0161\u0165ovny.<\/p>\n

* P\u0159i v\u00fdb\u011bru poji\u0161\u0165ovny se v\u00edce ne\u017e o cenu zaj\u00edmejte o pojistn\u00e9 limity. Ne\u0161et\u0159ete hlavn\u011b na limitech l\u00e9\u010debn\u00fdch v\u00fdloh a odpov\u011bdnosti za \u0161kodu.<\/p>\n

* Zaj\u00edmejte se o v\u00fdluky z pln\u011bn\u00ed. Nap\u0159\u00edklad poji\u0161t\u011bn\u00ed zavazadel se nevztahuje na cennosti v nich ulo\u017een\u00e9.<\/p>\n

* Na dovolen\u00e9 u sebe m\u011bjte v\u017edy doklad o cestovn\u00edm poji\u0161t\u011bn\u00ed a kontakt na asisten\u010dn\u00ed slu\u017ebu poji\u0161\u0165ovny.<\/p>\n

dTEST<\/strong><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Na seznamu <\/p>\n","protected":false},"author":2,"featured_media":133342,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[88],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/06\/19\/r\u00e1me\u010dek-cestovn\u00ed-poji\u0161t\u011bn\u00ed.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/133340"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=133340"}],"version-history":[{"count":2,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/133340\/revisions"}],"predecessor-version":[{"id":133343,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/133340\/revisions\/133343"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/133342"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=133340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=133340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=133340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}