{"id":310681,"date":"2024-06-11T12:11:27","date_gmt":"2024-06-11T11:11:27","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=310681"},"modified":"2024-06-11T12:11:27","modified_gmt":"2024-06-11T11:11:27","slug":"dtest-jak-na-cestovni-pojisteni","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=310681","title":{"rendered":"dTest: Jak na cestovn\u00ed poji\u0161t\u011bn\u00ed"},"content":{"rendered":"

S bl\u00ed\u017e\u00edc\u00edm se l\u00e9tem nar\u016fst\u00e1 po\u010det lid\u00ed pl\u00e1nuj\u00edc\u00edch dovolenou. A\u010dkoliv ji\u017e velk\u00e1 \u010d\u00e1st z nich bude m\u00edt ubytov\u00e1n\u00ed a dopravu za\u0159\u00edzenou, je mo\u017en\u00e9, \u017ee cestovn\u00ed poji\u0161t\u011bn\u00ed je\u0161t\u011b ne\u0159e\u0161ili. Vyjet si na dovolenou bez cestovn\u00edho poji\u0161t\u011bn\u00ed si ov\u0161em dovol\u00ed riskovat m\u00e1lokdo. \u00daraz se toti\u017e m\u016f\u017ee st\u00e1t i na odpo\u010dinkov\u00e9 dovolen\u00e9, kdy se \u010dlov\u011bk pohybuje pouze mezi hotelem a pl\u00e1\u017e\u00ed. Mnohem v\u011bt\u0161\u00ed rizika pak jsou u dovolen\u00fdch pln\u00fdch sportovn\u00edch aktivit. Zpravidla je v\u0161ak lep\u0161\u00ed utratit p\u00e1r korun v porovn\u00e1n\u00ed s riskem n\u011bkolika des\u00edtek, p\u0159\u00edpadn\u011b i stovek tis\u00edc. Co by tak m\u011bli m\u00edt spot\u0159ebitel\u00e9 na pam\u011bti p\u0159i sjedn\u00e1v\u00e1n\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed?<\/h4>\n

N\u00e1strahy cestovn\u00edho poji\u0161t\u011bn\u00ed<\/h6>\n

\"\"Existuje nespo\u010det poji\u0161\u0165oven nab\u00edzej\u00edc\u00edch cestovn\u00ed poji\u0161t\u011bn\u00ed, a ka\u017ed\u00e1 z nich m\u00e1 v\u00edcero nab\u00eddek, kter\u00e9 se li\u0161\u00ed co do limitu pojistn\u00e9ho pln\u011bn\u00ed, podm\u00ednek a v\u00fdluk. I kdy\u017e neexistuje p\u0159esn\u00e9 srovn\u00e1n\u00ed v\u0161ech mo\u017enost\u00ed, je n\u011bkolik hlavn\u00edch parametr\u016f, kter\u00e9 by spot\u0159ebitel\u00e9 m\u011bli m\u00edt p\u0159i v\u00fdb\u011bru na v\u011bdom\u00ed. Cestovn\u00ed poji\u0161t\u011bn\u00ed m\u00edv\u00e1 n\u011bkolik slo\u017eek. P\u0159edev\u0161\u00edm je to \u00farazov\u00e9 poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed odpov\u011bdnosti, kter\u00e9 hraje roli v p\u0159\u00edpad\u011b, \u017ee spot\u0159ebitel zp\u016fsob\u00ed \u0161kodu. D\u00e1le b\u00fdv\u00e1 nab\u00edzeno tak\u00e9 poji\u0161t\u011bn\u00ed majetku spot\u0159ebitele proti ztr\u00e1t\u011b a odcizen\u00ed, poji\u0161t\u011bn\u00ed zavazadel spot\u0159ebitele, poji\u0161t\u011bn\u00ed dopravn\u00edho prost\u0159edku spot\u0159ebitele v cizin\u011b, poji\u0161t\u011bn\u00ed storna z\u00e1jezdu, poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad zpo\u017ed\u011bn\u00ed letu atd. Spot\u0159ebitel by m\u011bl tyto slo\u017eky vybrat dle charakteru dovolen\u00e9, na kterou se chyst\u00e1. Pokud nap\u0159. nebude v cizin\u011b jezdit automobilem, nen\u00ed d\u016fvod sjedn\u00e1vat tento typ poji\u0161t\u011bn\u00ed.<\/p>\n

S n\u00e1pln\u00ed dovolen\u00e9 souvis\u00ed tak\u00e9 volba poji\u0161t\u011bn\u00ed, a to zaprv\u00e9 dle typu aktivit, kter\u00fdm se chce spot\u0159ebitel v\u011bnovat, a zadruh\u00e9 dle v\u00fd\u0161e limitu pojistn\u00e9ho pln\u011bn\u00ed. Pokud se spot\u0159ebitel chyst\u00e1 odpo\u010d\u00edvat na pl\u00e1\u017ei, m\u016f\u017ee b\u00fdt dosta\u010duj\u00edc\u00ed standardn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed. Do n\u011bj v\u0161ak zpravidla neb\u00fdvaj\u00ed zahrnov\u00e1ny rizikov\u00e9 sporty \u010di jin\u00e9 aktivity, kde existuje v\u011bt\u0161\u00ed riziko \u00farazu. \u201eTypick\u00fdm p\u0159\u00edpadem mohou b\u00fdt \u00farazy p\u0159i j\u00edzd\u011b na vodn\u00edm ban\u00e1nu, kter\u00e9 \u010dasto spadaj\u00ed pod v\u00fdluky, a odpov\u011bdnost za \u0161kodu zp\u016fsobenou nap\u0159\u00edklad p\u0159i j\u00edzd\u011b na kolob\u011b\u017ece,\u201c<\/em> vysv\u011btluje Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest.<\/p>\n

Spot\u0159ebitel si tak mus\u00ed zkontrolovat, zda zam\u00fd\u0161len\u00e9 poji\u0161t\u011bn\u00ed nem\u00e1 mezi v\u00fdlukami pr\u00e1v\u011b ty aktivity, kter\u00fdm se chce v\u011bnovat. A pokud ano, musel by si sjednat jin\u00e9 poji\u0161t\u011bn\u00ed, anebo dokoupit zvl\u00e1\u0161tn\u00ed bal\u00ed\u010dek zahrnuj\u00edc\u00ed i dan\u00e9 rizikov\u00e9 aktivity. Z\u00e1rove\u0148 by si m\u011bl spot\u0159ebitel zkontrolovat, zda m\u00e1 dosta\u010duj\u00edc\u00ed limit pojistn\u00e9ho pln\u011bn\u00ed. A\u010dkoliv by m\u011bl b\u00fdt nav\u00fd\u0161en, pokud spot\u0159ebitel nap\u0159. zakoup\u00ed bal\u00ed\u010dek s rizikov\u00fdmi sporty, nemus\u00ed tomu tak b\u00fdt v\u017edy. P\u0159i volb\u011b v\u00fd\u0161e limitu je tak\u00e9 dobr\u00e9 vz\u00edt v potaz rozd\u00edly v cen\u00e1ch za poskytnut\u00ed zdravotnick\u00e9 p\u00e9\u010de mezi st\u00e1ty.<\/p>\n

Poji\u0161t\u011bn\u00ed na nevycestov\u00e1n\u00ed<\/h6>\n

Spot\u0159ebitel\u00e9 mohou uzav\u0159\u00edt poji\u0161t\u011bn\u00ed storno poplatk\u016f pro p\u0159\u00edpad, \u017ee by nap\u0159\u00edklad kv\u016fli v\u00e1\u017en\u00fdm zdravotn\u00edm probl\u00e9m\u016fm nemohli na dovolenou odcestovat. V takov\u00e9m p\u0159\u00edpad\u011b by poji\u0161t\u011bn\u00ed ve sjednan\u00e9 v\u00fd\u0161i pokrylo storno poplatek, kter\u00fd by musel spot\u0159ebitel hradit v p\u0159\u00edpad\u011b v\u00fdpov\u011bdi smlouvy z jeho strany, a to jak u cestovn\u00edch kancel\u00e1\u0159\u00ed, tak i u jednotliv\u00fdch ubytovac\u00edch za\u0159\u00edzen\u00ed a dopravn\u00edch spole\u010dnost\u00ed. I v tomto p\u0159\u00edpad\u011b se podm\u00ednky poji\u0161t\u011bn\u00ed li\u0161\u00ed jak mezi poji\u0161\u0165ovnami, tak mezi jednotliv\u00fdmi nab\u00eddkami. Spot\u0159ebitel\u00e9 by m\u011bli v\u011bnovat pozornost zejm\u00e9na v\u00fd\u0161i storno poplatk\u016f, kter\u00e9 by poji\u0161\u0165ovna hradila, podm\u00ednk\u00e1m pro vznik n\u00e1roku na pojistn\u00e9 a nejzaz\u0161\u00edmu term\u00ednu pro uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n

V\u00fd\u0161e storno poplatk\u016f m\u016f\u017ee b\u00fdt stanovena odli\u0161n\u011b, lze se setkat s pokryt\u00edm 80% v\u00fd\u0161e storno poplatku, ale i 100% v\u00fd\u0161e. Podm\u00ednky pro jejich vyplacen\u00ed mohou b\u00fdt omezeny, nap\u0159. t\u00edm, \u017ee pojistn\u00e9 v p\u0159\u00edpad\u011b vzniku akutn\u00edho \u00farazu nebo onemocn\u011bn\u00ed poji\u0161\u0165ovna vyplat\u00ed pouze, pokud dojde k hospitalizaci. A term\u00edn nejzaz\u0161\u00edho uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017ee b\u00fdt r\u016fzn\u00fd, nejkrat\u0161\u00edmi jsou zpravidla nutnost uzav\u0159en\u00ed nejpozd\u011bji v den objedn\u00e1n\u00ed z\u00e1jezdu. Pokud uplyne, dan\u00e9 poji\u0161t\u011bn\u00ed ji\u017e nep\u016fjde uzav\u0159\u00edt a spot\u0159ebitel bude nucen hledat jinou nab\u00eddku.<\/p>\n

Z v\u00fd\u0161e uveden\u00fdch d\u016fvod\u016f proto doporu\u010dujeme pe\u010dliv\u00e9 prostudovat jak pojistnou smlouvu, tak obchodn\u00ed podm\u00ednky dan\u00e9 poji\u0161\u0165ovny, pop\u0159. d\u016fkladnou konzultaci s poji\u0161\u0165ovnou p\u0159ed uzav\u0159en\u00edm poji\u0161t\u011bn\u00ed. Cestovn\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017ee sjednat tak\u00e9 cestovn\u00ed kancel\u00e1\u0159 za spot\u0159ebitele jako\u017eto sou\u010d\u00e1st smlouvy o z\u00e1jezdu. \u201ePokud je v\u0161ak sou\u010d\u00e1st\u00ed smlouvy o z\u00e1jezdu, kterou nelze odstranit z objedn\u00e1vky, jedn\u00e1 se ze strany cestovn\u00ed kancel\u00e1\u0159e \u010di agentury o nekalou obchodn\u00ed praktiku,\u201c<\/em> upozor\u0148uje Eduarda Hek\u0161ov\u00e1. Jeliko\u017e cestovn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed povinnou sou\u010d\u00e1st\u00ed smlouvy o z\u00e1jezdu, spot\u0159ebitel\u00e9 mus\u00ed m\u00edt mo\u017enost uzav\u0159\u00edt smlouvu o z\u00e1jezdu bez poji\u0161t\u011bn\u00ed. Zda je nechaj\u00ed pojistit, pop\u0159. u kter\u00e9 poji\u0161\u0165ovny tak u\u010din\u00ed, pot\u00e9 zcela z\u00e1vis\u00ed na jejich v\u016fli.<\/p>\n

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

\n

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

S bl\u00ed\u017e\u00edc\u00edm <\/p>\n","protected":false},"author":2,"featured_media":310683,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[87],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2024\/06\/11\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/310681"}],"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=310681"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/310681\/revisions"}],"predecessor-version":[{"id":310682,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/310681\/revisions\/310682"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/310683"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=310681"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=310681"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=310681"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}