{"id":273239,"date":"2023-02-15T12:51:00","date_gmt":"2023-02-15T11:51:00","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=273239"},"modified":"2023-02-15T12:51:00","modified_gmt":"2023-02-15T11:51:00","slug":"dtest-zimni-radovanky-bez-starosti-jak-si-pojistit-svuj-pobyt-na-horach","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=273239","title":{"rendered":"dTest: Zimn\u00ed radov\u00e1nky bez starost\u00ed: Jak si pojistit sv\u016fj pobyt na hor\u00e1ch"},"content":{"rendered":"
Bl\u00ed\u017e\u00edc\u00ed se jarn\u00ed pr\u00e1zdniny l\u00e1kaj\u00ed k zimn\u00edm radov\u00e1nk\u00e1m na hor\u00e1ch. A\u0165 u\u017e jste ost\u0159\u00edlen\u00fd ly\u017ea\u0159 \u010di za\u010d\u00ednaj\u00edc\u00ed snowboardista, nezapom\u00ednejte, \u017ee sjezdovky jsou rizikov\u00fdm prostorem, kde sta\u010d\u00ed chvilka nepozornosti a \u00faraz je na sv\u011bt\u011b. Je tak d\u016fle\u017eit\u00e9 b\u00fdt p\u0159ipraven na nejhor\u0161\u00ed a p\u0159ibalit si s sebou kvalitn\u00ed poji\u0161t\u011bn\u00ed zimn\u00edch sport\u016f. Jak\u00e9 mo\u017enosti poji\u0161t\u011bn\u00ed trh nab\u00edz\u00ed? A na co se p\u0159i v\u00fdb\u011bru kvalitn\u00edho poji\u0161t\u011bn\u00ed zam\u011b\u0159it?<\/h6>\n

\"\"Na trhu je cel\u00e1 \u0159ada typ\u016f poji\u0161t\u011bn\u00ed, kter\u00e9 se li\u0161\u00ed v z\u00e1vislosti na rizic\u00edch, kter\u00e9 pokr\u00fdvaj\u00ed. Spr\u00e1vn\u00fd v\u00fdb\u011br typu poji\u0161t\u011bn\u00ed pro sn\u011bhov\u00e9 radov\u00e1nky je kl\u00ed\u010dov\u00fd. \u0158editelka dTestu Eduarda Hek\u0161ov\u00e1 doporu\u010duje v\u011bnovat pozornost n\u011bkolika bod\u016fm.<\/p>\n

Poji\u0161t\u011bn\u00ed zimn\u00edch sport\u016f by m\u011blo zahrnovat zran\u011bn\u00ed p\u0159i zimn\u00edm sportu a n\u00e1klady na l\u00e9\u010dbu. Typicky takov\u00e9 poji\u0161t\u011bn\u00ed oproti klasick\u00e9mu cestovn\u00edmu poji\u0161t\u011bn\u00ed nab\u00edz\u00ed vy\u0161\u0161\u00ed pojistn\u00e9 limity pro l\u00e9\u010debn\u00e9 v\u00fdlohy. Pozornost je d\u016fle\u017eit\u00e9 v\u011bnovat tak\u00e9 rozsahu kryt\u00ed. Pro poji\u0161t\u011bn\u00ed zimn\u00edch sport\u016f je nezbytnost\u00ed pokryt\u00ed p\u0159evozu vrtuln\u00edkem \u010di sk\u00fatrem.<\/p>\n

V\u00e1\u0161niv\u00fd b\u011b\u017eka\u0159 \u010di ledn\u00ed hokejista? Na typu sportu z\u00e1le\u017e\u00ed<\/h6>\n

P\u0159i \u010dten\u00ed pojistn\u00fdch podm\u00ednek bu\u010fte obez\u0159etn\u00ed. N\u011bkter\u00e9 pojistn\u00e9 smlouvy mohou b\u00fdt ur\u010den\u00e9 jen pro n\u011bkter\u00e9 zimn\u00ed sporty jako je nap\u0159. ly\u017eov\u00e1n\u00ed, b\u011b\u017ekov\u00e1n\u00ed nebo t\u0159eba ledn\u00ed hokej. Pokud m\u00e1te obl\u00edben\u00fd sport, ujist\u011bte se, \u017ee m\u00e1te poji\u0161t\u011bn\u00ed, kter\u00e9 je pro n\u011bj ur\u010den\u00e9. Typicky poji\u0161\u0165ovny d\u011bl\u00ed zimn\u00ed sporty na b\u011b\u017en\u00e9 a zimn\u00ed sporty rizikov\u00e9. Nej\u010dast\u011bji poji\u0161\u0165ovny mezi rizikov\u00e9 \u0159ad\u00ed alpinismus nebo obl\u00edben\u00fd hokej. Zvl\u00e1\u0161tn\u00ed kategori\u00ed jsou extr\u00e9mn\u00ed sporty – akrobatick\u00e9 ly\u017eov\u00e1n\u00ed, ledovcov\u00e1 turistika. Pokud v\u00e1s l\u00e1kaj\u00ed tyto extr\u00e9mn\u011bj\u0161\u00ed radov\u00e1nky, budete si muset p\u0159iplatit.<\/p>\n

Z\u016fstanete v\u011brn\u00ed \u010desk\u00fdm hor\u00e1m nebo vyraz\u00edte za sn\u011bhem do zahrani\u010d\u00ed?<\/h6>\n

L\u00e9ka\u0159sk\u00e1 p\u00e9\u010de v obl\u00edben\u00e9m Rakousku se m\u016f\u017ee po\u0159\u00e1dn\u011b prodra\u017eit. \u201ePokud se chyst\u00e1te u\u017e\u00edt si zimn\u00edch sport\u016f v zahrani\u010d\u00ed, ujist\u011bte se, \u017ee m\u00e1te poji\u0161t\u011bn\u00ed, kter\u00e9 plat\u00ed i v ciz\u00edch zem\u00edch s dostate\u010dn\u011b vysok\u00fdmi limity pln\u011bn\u00ed,\u201c<\/em> upozor\u0148uje Eduarda Hek\u0161ov\u00e1 z dTestu. V\u00fdhodou cestovn\u00edho poji\u0161t\u011bn\u00ed je mo\u017enost jej sjednat na konkr\u00e9tn\u00ed po\u010det dn\u00ed. M\u016f\u017eete tak platit jen po dobu va\u0161\u00ed zimn\u00ed dovolen\u00e9. Doporu\u010dujeme na vy\u0161\u0161\u00edch limitech pln\u011bn\u00ed ne\u0161et\u0159it.<\/p>\n

Nep\u0159\u00edjemn\u011b p\u0159ekvapeni m\u016f\u017eou b\u00fdt ti, kte\u0159\u00ed spol\u00e9haj\u00ed na poji\u0161t\u011bn\u00ed na platebn\u00ed kart\u011b. To mnohdy pro pojistnou ud\u00e1lost v zahrani\u010d\u00ed nesta\u010d\u00ed – \u010dasto pr\u00e1v\u011b kv\u016fli ni\u017e\u0161\u00edm limit\u016fm zdravotn\u00edch v\u00fdloh.<\/p>\n

P\u0159ekvapen\u00ed v pojistn\u00fdch podm\u00ednk\u00e1ch<\/h6>\n

D\u016fkladn\u011b se tak\u00e9 seznamte se v\u0161emi mo\u017en\u00fdmi v\u00fdlukami poji\u0161t\u011bn\u00ed. \u201eN\u011bkdy poji\u0161\u0165ovny mazan\u011b v pojistn\u00fdch podm\u00ednk\u00e1ch omezuj\u00ed poji\u0161t\u011bn\u00ed pro maxim\u00e1ln\u00ed nadmo\u0159skou v\u00fd\u0161ku,\u201d<\/em> dod\u00e1v\u00e1 Eduarda Hek\u0161ov\u00e1.<\/p>\n

Myslete i na svou pen\u011b\u017eenku<\/h6>\n

Vybaven\u00ed pro zimn\u00ed sporty nen\u00ed levnou z\u00e1le\u017eitost\u00ed. V\u011bt\u0161\u00ed pocit klidu v\u00e1m tak m\u016f\u017ee dodat poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad ztr\u00e1ty \u010di po\u0161kozen\u00ed zimn\u00edho vybaven\u00ed. Ujist\u011bte se, \u017ee poji\u0161t\u011bn\u00ed zahrnuje i n\u00e1klady na opravu nebo n\u00e1hradu ztracen\u00e9ho \u010di po\u0161kozen\u00e9ho vybaven\u00ed.<\/p>\n

Nezapome\u0148te tak\u00e9 na to, \u017ee se i vy m\u016f\u017eete st\u00e1t rizikem pro ostatn\u00ed. A\u0165 u\u017e necht\u011bn\u011b sraz\u00edte jin\u00e9ho ly\u017ea\u0159e nebo n\u011bkomu zni\u010d\u00edte sportovn\u00ed vybaven\u00ed. Pro tyto p\u0159\u00edpady se nab\u00edz\u00ed poji\u0161t\u011bn\u00ed kryj\u00edc\u00ed odpov\u011bdnost za \u00fajmu – poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti. Pozornost u takov\u00e9ho poji\u0161t\u011bn\u00ed v\u011bnujte jak limit\u016fm pro \u00fajmu na zdrav\u00ed, tak pro kryt\u00ed v\u00fd\u0161e \u0161kody na v\u011bcech.<\/p>\n

dTest<\/strong><\/p>\n

\n

 <\/p>\n

 <\/p>\n

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

Bl\u00ed\u017e\u00edc\u00ed se <\/p>\n","protected":false},"author":2,"featured_media":273241,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[87],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2023\/02\/15\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/273239"}],"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=273239"}],"version-history":[{"count":2,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/273239\/revisions"}],"predecessor-version":[{"id":273242,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/273239\/revisions\/273242"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/273241"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=273239"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=273239"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=273239"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}