{"id":365667,"date":"2026-01-06T14:30:42","date_gmt":"2026-01-06T13:30:42","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=365667"},"modified":"2026-01-06T14:30:42","modified_gmt":"2026-01-06T13:30:42","slug":"dtest-jak-si-pojistit-zimni-dovolenou","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=365667","title":{"rendered":"dTest: Jak si pojistit zimn\u00ed dovolenou"},"content":{"rendered":"<h6>Zima l\u00e1k\u00e1 na hory, ale\u00a0na svahu sta\u010d\u00ed okam\u017eik nepozornosti a z drobn\u00e9ho p\u00e1du je transport do nemocnice. K tomu p\u0159idejte n\u00e1klady na z\u00e1sah horsk\u00e9 slu\u017eby, p\u0159\u00edpadn\u00fd vrtuln\u00edk, pobyt doprovodu, tlumo\u010den\u00ed \u010di n\u00e1vrat dom\u016f. Zimn\u00ed po\u010das\u00ed nav\u00edc zvy\u0161uje riziko dopravn\u00edho kolapsu, p\u0159\u00edpadn\u011b nemoci, kv\u016fli n\u00ed\u017e je nutn\u00e9 dovolenou zru\u0161it. Zru\u0161en\u00e1 dovolen\u00e1 pak \u010dasto znamen\u00e1 propadl\u00e9 ubytov\u00e1n\u00ed nebo t\u0159eba skipas. Ne\u017e zaplat\u00edte z\u00e1jezd, vyplat\u00ed se z\u00a0uveden\u00fdch d\u016fvod\u016f zv\u00e1\u017eit poji\u0161t\u011bn\u00ed.<\/h6>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-131630 alignright\" src=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg\" alt=\"\" width=\"114\" height=\"300\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg 114w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest.jpg 126w\" sizes=\"(max-width: 114px) 100vw, 114px\" \/>Z\u00e1kladn\u00ed ot\u00e1zka nezn\u00ed, jestli se pojistit, ale co p\u0159esn\u011b poji\u0161t\u011bn\u00ed skute\u010dn\u011b kryje. U l\u00e9\u010debn\u00fdch v\u00fdloh sledujte limity a tak\u00e9 to, zda poji\u0161\u0165ovna hrad\u00ed i souvisej\u00edc\u00ed n\u00e1klady, nap\u0159\u00edklad p\u0159evoz do vhodn\u00e9ho za\u0159\u00edzen\u00ed a repatriaci do \u010ceska. U\u017eite\u010dn\u00e1 b\u00fdv\u00e1 tak\u00e9 kvalitn\u00ed asisten\u010dn\u00ed slu\u017eba.<\/p>\n<p><em>\u201eMnoz\u00ed spol\u00e9haj\u00ed na Evropsk\u00fd pr\u016fkaz zdravotn\u00edho poji\u0161t\u011bn\u00ed, ten ale pom\u016f\u017ee jen se st\u00e1tn\u00ed p\u00e9\u010d\u00ed za stejn\u00fdch podm\u00ednek, jak\u00e9 maj\u00ed m\u00edstn\u00ed, a ne\u0159e\u0161\u00ed \u0159adu v\u00fddaj\u016f typick\u00fdch pro zimn\u00ed \u00farazy, nap\u0159\u00edklad p\u0159evoz ze svahu nebo n\u00e1vrat dom\u016f. Proto je komer\u010dn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed v praxi \u010dasto nezbytn\u00e9,\u201c<\/em>\u00a0vysv\u011btluje \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest Eduarda Hek\u0161ov\u00e1.<\/p>\n<h6><strong>Zimn\u00ed sporty a \u010dast\u00e9 v\u00fdluky<\/strong><\/h6>\n<p>Ly\u017eov\u00e1n\u00ed a snowboarding neb\u00fdvaj\u00ed automaticky kryty poji\u0161t\u011bn\u00edm. Poji\u0161\u0165ovny je \u010dasto \u0159ad\u00ed mezi aktivity, kter\u00e9 je nutn\u00e9 p\u0159ipojistit. Pozor si dejte na j\u00edzdu mimo vyzna\u010den\u00e9 trat\u011b, snowparky, freeride \u010di skialpinismus, kter\u00e9 jsou mnohdy klasifikov\u00e1ny jako rizikov\u00e9, p\u0159\u00edpadn\u011b m\u016f\u017ee b\u00fdt kryt\u00ed v\u00e1z\u00e1no na dohled pr\u016fvodce nebo na dodr\u017een\u00ed pravidel st\u0159ediska. Probl\u00e9m p\u0159edstavuje i alkohol jako \u010dast\u00e1 v\u00fdluka z poji\u0161t\u011bn\u00ed, a to nejen u \u00fajmy na zdrav\u00ed, ale tak\u00e9 u odpov\u011bdnosti za \u0161kodu. Pokud si p\u016fj\u010dujete v\u00fdbavu, ov\u011b\u0159te si, zda poji\u0161t\u011bn\u00ed \u0159e\u0161\u00ed i \u0161kody na p\u016fj\u010den\u00fdch v\u011bcech nebo kr\u00e1de\u017e ly\u017e\u00ed a za jak\u00fdch podm\u00ednek. Nap\u0159\u00edklad zda vy\u017eaduje uzam\u010denou ly\u017e\u00e1rnu nebo dohled.<\/p>\n<p>Krom\u011b vlastn\u00edho zdrav\u00ed hraje roli tak\u00e9 \u0161koda, kterou m\u016f\u017eete zp\u016fsobit n\u011bkomu jin\u00e9mu. Na sjezdovce nejde jen o rozbitou v\u00fdbavu, ale i o \u00fajmu na zdrav\u00ed, u\u0161l\u00fd v\u00fdd\u011blek a dlouhodob\u00e9 nebo trval\u00e9 n\u00e1sledky. Odpov\u011bdnostn\u00ed poji\u0161t\u011bn\u00ed je proto u zimn\u00edch cest mimo\u0159\u00e1dn\u011b d\u016fle\u017eit\u00e9. Nap\u0159\u00edklad v It\u00e1lii je nav\u00edc poji\u0161t\u011bn\u00ed odpov\u011bdnosti pro ly\u017ea\u0159e povinn\u00e9 a m\u016f\u017ee b\u00fdt kontrolov\u00e1no, p\u0159i\u010dem\u017e v\u00a0p\u0159\u00edpad\u011b nespln\u011bn\u00ed podm\u00ednek v\u00e1m hroz\u00ed pokuta.<\/p>\n<h6><strong>Poji\u0161t\u011bn\u00ed storna \u0159e\u0161te hned p\u0159i n\u00e1kupu<\/strong><\/h6>\n<p>Pokud kupujete dovolenou s p\u0159edstihem, zva\u017ete poji\u0161t\u011bn\u00ed storna. Kl\u00ed\u010dov\u00e9 je na\u010dasov\u00e1n\u00ed. N\u011bkter\u00e9 poji\u0161\u0165ovny vy\u017eaduj\u00ed jeho sjedn\u00e1n\u00ed v den objedn\u00e1n\u00ed z\u00e1jezdu nebo kr\u00e1tce po n\u011bm. Rozd\u00edly jsou i v tom, kdy vznik\u00e1 n\u00e1rok na pln\u011bn\u00ed a v jak\u00e9m rozsahu.\u00a0<em>\u201e<\/em><em>N\u011bkde se pln\u00ed jen p\u0159i hospitalizaci, jinde \u201asta\u010d\u00ed\u2018 akutn\u00ed onemocn\u011bn\u00ed potvrzen\u00e9 l\u00e9ka\u0159em. Z\u00e1sadn\u00ed je i procento n\u00e1hrady, b\u011b\u017en\u011b se pohybuje mezi 80 a 100 % storno poplatk\u016f. P\u0159ed podpisem si ov\u011b\u0159te, zda poji\u0161t\u011bn\u00ed storna kryje tak\u00e9 samostatn\u011b koupen\u00e9 letenky a ubytov\u00e1n\u00ed, zda se vztahuje i na onemocn\u011bn\u00ed bl\u00edzk\u00e9 osoby a co mus\u00ed obsahovat l\u00e9ka\u0159sk\u00e9 potvrzen\u00ed,\u201c\u00a0<\/em>dod\u00e1v\u00e1 Hek\u0161ov\u00e1. Poji\u0161\u0165ovna obvykle vy\u017eaduje ud\u00e1lost nahl\u00e1sit bez zbyte\u010dn\u00e9ho odkladu, tak\u017ee vy\u010dk\u00e1v\u00e1n\u00ed se nemus\u00ed vyplatit.<\/p>\n<h6><strong>Nenechte si poji\u0161t\u011bn\u00ed p\u0159ibalit proti v\u016fli<\/strong><\/h6>\n<p>P\u0159i online objedn\u00e1vce z\u00e1jezdu se m\u016f\u017eete setkat s \u201ep\u0159edem za\u0161krtnut\u00fdm\u201c poji\u0161t\u011bn\u00edm. Cestovn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed povinnou sou\u010d\u00e1st\u00ed z\u00e1jezdu a volba, zda ho uzav\u0159ete a u koho, je na v\u00e1s. P\u0159esto\u017ee syst\u00e9m umo\u017en\u00ed poji\u0161t\u011bn\u00ed odstranit, mohlo by se jednat o nekalou obchodn\u00ed praktiku, kterou ide\u00e1ln\u011b nahlaste \u010cesk\u00e9 obchodn\u00ed inspekci.<\/p>\n<h6><strong>Jak se p\u0159ipravit, aby poji\u0161\u0165ovna plnila<\/strong><\/h6>\n<p>P\u0159ed odjezdem si ulo\u017ete kontakt na asisten\u010dn\u00ed slu\u017ebu. V\u00a0p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti zjist\u011bte, co po v\u00e1s poji\u0161\u0165ovna po\u017eaduje dolo\u017eit.\u00a0<em>\u201eU zimn\u00edch \u00faraz\u016f b\u00fdvaj\u00ed d\u016fle\u017eit\u00e9 l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy, \u00fa\u010dty za o\u0161et\u0159en\u00ed i potvrzen\u00ed o z\u00e1sahu horsk\u00e9 slu\u017eby. Kdy\u017e vznikne \u0161koda n\u011bkomu jin\u00e9mu, sepi\u0161te z\u00e1znam, vezm\u011bte si kontakty na sv\u011bdky a nahlaste ud\u00e1lost bez zbyte\u010dn\u00e9ho odkladu. \u010c\u00edm pe\u010dliv\u011bji v\u0161e dolo\u017e\u00edte, t\u00edm men\u0161\u00ed je riziko, \u017ee se n\u00e1hrady budete dom\u00e1hat marn\u011b,\u201c<\/em>\u00a0uzav\u00edr\u00e1 za dTest Hek\u0161ov\u00e1.<\/p>\n<p><strong>dTest<\/strong><\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zima l\u00e1k\u00e1 <\/p>\n","protected":false},"author":2,"featured_media":365668,"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\/2026\/01\/06\/ram-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/365667"}],"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=365667"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/365667\/revisions"}],"predecessor-version":[{"id":365669,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/365667\/revisions\/365669"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/365668"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=365667"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=365667"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=365667"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}