{"id":273562,"date":"2023-02-21T11:59:57","date_gmt":"2023-02-21T10:59:57","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=273562"},"modified":"2023-02-21T11:59:57","modified_gmt":"2023-02-21T10:59:57","slug":"dtest-cestovani-a-pojisteni-na-co-si-dat-pozor","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=273562","title":{"rendered":"dTest: Cestov\u00e1n\u00ed a poji\u0161t\u011bn\u00ed \u2013 na co si d\u00e1t pozor"},"content":{"rendered":"
Kdo cestuje, vystavuje se jin\u00fdm a mnohdy i v\u011bt\u0161\u00edm rizik\u016fm, ne\u017e kdyby z\u016fstal doma. Proto existuj\u00ed r\u016fzn\u00e1 komer\u010dn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e1 rizika spojen\u00e1 s cestov\u00e1n\u00edm kryj\u00ed nebo omezuj\u00ed. Ne\u017e si zarezervujete dovolenou a ne\u017e ji zaplat\u00edte, zva\u017ete tak\u00e9 alespo\u0148 uzav\u0159en\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed storna z\u00e1jezdu nebo cesty.<\/h6>\n

\"\"A\u010dkoliv cestovn\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017eete uzav\u0159\u00edt kdykoliv, tak u poji\u0161t\u011bn\u00ed storna z\u00e1jezdu to neplat\u00ed. Velmi d\u016fle\u017eitou podm\u00ednkou je i v\u00fdb\u011br poji\u0161\u0165ovny.<\/p>\n

Cestovn\u00ed poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed storna z\u00e1jezdu nebo cesty<\/h6>\n

Dovolenou v zahrani\u010d\u00ed bez uzav\u0159en\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed si dnes na\u0161t\u011bst\u00ed v\u011bt\u0161ina z n\u00e1s neum\u00ed ani p\u0159edstavit. Pokud pat\u0159\u00edte do t\u00e9to skupiny, kter\u00e1 bez cestovn\u00edho poji\u0161t\u011bn\u00ed do zahrani\u010d\u00ed nevyraz\u00ed, pak je\u0161t\u011b nem\u00e1te \u00fapln\u011b vyhr\u00e1no, proto\u017ee cestovn\u00ed poji\u0161t\u011bn\u00ed u r\u016fzn\u00fdch poji\u0161\u0165oven se li\u0161\u00ed v rozsahu kryt\u00ed pojistn\u00fdch ud\u00e1lost\u00ed a v\u00fdluk. V\u00fdb\u011br poji\u0161\u0165ovny je proto velmi d\u016fle\u017eit\u00fd. Doporu\u010dujeme si v\u017edy ov\u011b\u0159it, co v\u0161e poji\u0161\u0165ovny v r\u00e1mci cestovn\u00edho poji\u0161t\u011bn\u00ed kryj\u00ed, jak\u00e9 jsou v\u00fdluky a jak\u00e1 je v\u00fd\u0161e pln\u011bn\u00ed. \u201ePodcen\u011bn\u00ed v\u00fdb\u011bru cestovn\u00edho poji\u0161t\u011bn\u00ed se m\u016f\u017ee p\u011bkn\u011b vymst\u00edt,<\/em>\u201c uv\u00e1d\u00ed Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest a dod\u00e1v\u00e1: \u201eMezi poji\u0161\u0165ovnami jsou toti\u017e zna\u010dn\u00e9 rozd\u00edly co do rozsahu v\u00fdluk a pojistn\u00e9ho kryt\u00ed.\u201c<\/em> Rizikov\u00e9 sporty neb\u00fdvaj\u00ed poji\u0161\u0165ovnami zahrnov\u00e1ny do standardn\u00edho cestovn\u00edho poji\u0161t\u011bn\u00ed. T\u011b\u017ek\u00e9 \u00farazy p\u0159i ly\u017eov\u00e1n\u00ed a odpov\u011bdnost za \u0161kody na zdrav\u00ed a \u017eivot\u011b zp\u016fsoben\u00e1 ly\u017ea\u0159i v zahrani\u010d\u00ed vede poji\u0161\u0165ovny k za\u0159azov\u00e1n\u00ed ly\u017eov\u00e1n\u00ed do zvl\u00e1\u0161tn\u00edch bal\u00ed\u010dk\u016f cestovn\u00edch poji\u0161t\u011bn\u00ed.<\/p>\n

N\u011bkdy se m\u016f\u017eete setkat i s t\u00edm, \u017ee p\u0159i koupi z\u00e1jezdu nelze cestovn\u00ed poji\u0161t\u011bn\u00ed v pr\u016fb\u011bhu zad\u00e1n\u00ed objedn\u00e1vky odstranit. To je v\u0161ak nedovolen\u00e1 obchodn\u00ed praktika. \u201eCestovn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed povinnou sou\u010d\u00e1st\u00ed z\u00e1jezdu a z\u00e1kazn\u00edk je opr\u00e1vn\u011bn si koupit z\u00e1jezd i bez tohoto poji\u0161t\u011bn\u00ed s t\u00edm, \u017ee je na jeho \u00favaze, zda a u kter\u00e9 poji\u0161\u0165ovny se pojist\u00ed proti cestovn\u00edm rizik\u016fm,\u201c<\/em> vysv\u011btluje Eduarda Hek\u0161ov\u00e1.<\/p>\n

Pokud objedn\u00e1v\u00e1te dovolenou dop\u0159edu a chcete se vypo\u0159\u00e1dat s rizikem, \u017ee nep\u0159ijdete o sv\u00e9 pen\u00edze v p\u0159\u00edpad\u011b, \u017ee na ni nebudete moci z v\u00e1\u017en\u00fdch d\u016fvod\u016f odjet, pak je mo\u017en\u00e9 zv\u00e1\u017eit uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed storna z\u00e1jezdu nebo cesty. \u201ePoji\u0161t\u011bn\u00ed storna z\u00e1jezdu nebo cesty by v\u00e1m m\u011blo do ur\u010dit\u00e9 v\u00fd\u0161e pokr\u00fdt storno poplatky cestovn\u00edch kancel\u00e1\u0159\u00ed nebo jin\u00fdch dopravc\u016f nebo ubytovac\u00edch za\u0159\u00edzen\u00ed,\u201c<\/em> uv\u00e1d\u00ed Eduarda Hek\u0161ov\u00e1. V\u00fd\u0161e storno poplatk\u016f b\u00fdv\u00e1 v\u011bt\u0161inou odstup\u0148ovan\u00e1 podle toho, kdy chcete od objednan\u00e9 slu\u017eby odstoupit, tj. \u010d\u00edm bl\u00ed\u017ee k datu odjezdu ru\u0161\u00edte, t\u00edm jsou storno poplatky vy\u0161\u0161\u00ed. \u201eJako ve v\u0161em, tak i v p\u0159\u00edpad\u011b poji\u0161t\u011bn\u00ed storna, jsou mezi poji\u0161\u0165ovnami zna\u010dn\u00e9 rozd\u00edly, a to jak ve v\u00fd\u0161i vr\u00e1cen\u00ed uhrazen\u00fdch storno poplatk\u016f, tak i podm\u00ednek pro vznik n\u00e1roku na pln\u011bn\u00ed,\u201c<\/em> vysv\u011btluje Eduarda Hek\u0161ov\u00e1 a dopl\u0148uje: \u201eN\u011bkter\u00e9 poji\u0161\u0165ovny nab\u00edzej\u00ed kryt\u00ed pouze 80 %, naopak m\u016f\u017eete naj\u00edt i variantu kryt\u00ed 100 % v\u00fd\u0161e uhrazen\u00fdch storno poplatk\u016f.\u201c<\/em><\/p>\n

Ka\u017ed\u00e1 poji\u0161\u0165ovna m\u00e1 tak\u00e9 nastaveny jin\u00e9 parametry pro vznik n\u00e1roku na pln\u011bn\u00ed i v\u00fdluky z poji\u0161t\u011bn\u00ed. N\u011bkter\u00e9 poji\u0161\u0165ovny kryj\u00ed storno poplatky pouze v p\u0159\u00edpad\u011b akutn\u00edho \u00farazu \u010di onemocn\u011bn\u00ed cestovatele, kter\u00fd vy\u017eaduje hospitalizaci, zat\u00edmco jin\u00fdm poji\u0161\u0165ovn\u00e1m posta\u010d\u00ed \u201epouze\u201c akutn\u00ed onemocn\u011bn\u00ed nebo \u00faraz bez dal\u0161\u00edch podm\u00ednek. M\u016f\u017ee se pak st\u00e1t, \u017ee pro zlomenou nohu nebude poji\u0161t\u011bn\u00ed u va\u0161\u00ed poji\u0161\u0165ovny storna uplatniteln\u00e9, pokud cestovatel nebude z\u00e1rove\u0148 hospitalizov\u00e1n nebo upout\u00e1n na l\u016f\u017eku. Rovn\u011b\u017e komplikace v t\u011bhotenstv\u00ed jsou r\u016fzn\u00fdmi poji\u0161\u0165ovnami hodnoceny r\u016fzn\u011b, a proto by nast\u00e1vaj\u00edc\u00ed maminky m\u011bly b\u00fdt p\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed storna zvl\u00e1\u0161\u0165 pozorn\u00e9.<\/p>\n

Pokud spot\u0159ebitel\u00e9 maj\u00ed ot\u00e1zky k poji\u0161t\u011bn\u00ed spojen\u00e9mu s cestov\u00e1n\u00edm, mohou se obr\u00e1tit na bezplatnou spot\u0159ebitelskou poradnu dTestu, a to elektronicky na www.dtest.cz\/spotrebitelska-poradna<\/strong><\/a> nebo telefonicky na \u010d\u00edslo 299 149 009.<\/p>\n

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

\n

 <\/p>\n

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

Kdo cestuje, <\/p>\n","protected":false},"author":2,"featured_media":273564,"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\/21\/ram-poradna.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/273562"}],"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=273562"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/273562\/revisions"}],"predecessor-version":[{"id":273563,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/273562\/revisions\/273563"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/273564"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=273562"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=273562"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=273562"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}