{"id":5122,"date":"2024-04-26T13:34:18","date_gmt":"2024-04-26T11:34:18","guid":{"rendered":"https:\/\/www.poistim.sk\/cestovne-poistenie-blog\/"},"modified":"2024-04-26T13:34:18","modified_gmt":"2024-04-26T11:34:18","slug":"cestovne-poistenie-blog","status":"publish","type":"post","link":"https:\/\/www.poistim.sk\/skpp2\/cestovne-poistenie-blog\/","title":{"rendered":"Cestovn\u00e9 poistenie"},"content":{"rendered":"[vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]Niekto preferuje cestovanie najm\u00e4 po\u010das leta, pre in\u00fdch sa stalo s\u00fa\u010das\u0165ou ich \u017eivotn\u00e9ho \u0161t\u00fdlu po\u010das cel\u00e9ho roka. S\u00fa\u010das\u0165ou ciest, a nielen v zahrani\u010d\u00ed, ale aj po Slovensku, by malo by\u0165 cestovn\u00e9 poistenie, ktor\u00e9 sa u jednotliv\u00fdch pois\u0165ovn\u00ed l\u00ed\u0161i v rozsahu krytia, mno\u017estve pripoisten\u00ed \u010di vo v\u00fdluk\u00e1ch, ktor\u00e9 nie s\u00fa poisten\u00edm kryt\u00e9. Na \u010do si teda da\u0165 pozor pri uzatv\u00e1ran\u00ed cestovn\u00e9ho poistenia a \u010do \u0161tandardne nemus\u00ed by\u0165 poisten\u00edm kryt\u00e9?[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]\n

Lie\u010debn\u00e9 n\u00e1klady \u010di zodpovednos\u0165 za \u0161kodu<\/h3>\n[\/vc_column_text][vc_column_text]Z\u00e1kladom ka\u017ed\u00e9ho<\/strong> cestovn\u00e9ho poistenia je krytie lie\u010debn\u00fdch n\u00e1kladov a asisten\u010dn\u00e9 slu\u017eby, pri\u010dom\u00a0\u010fal\u0161ie pripoistenia<\/strong> s\u00fa \u0161tandardne na rozhodnut\u00ed poisten\u00e9ho<\/strong>. V\u00a0niektor\u00fdch pr\u00edpadoch cestovn\u00e9 poistenie v\u00a0z\u00e1kladnom bal\u00edku obsahuje aj \u010fal\u0161ie poistn\u00e9 krytia, ako napr\u00edklad poistenie zodpovednosti \u010di poistenie p\u00e1trania a\u00a0z\u00e1chrany, <\/strong>\u010do v\u0161ak nemus\u00ed by\u0165 pravidlom.<\/p>\n

\u201ePri ceste do zahrani\u010dia<\/strong> by si mal preto ka\u017ed\u00fd \u010dlovek s\u00e1m definova\u0165, ak\u00e9 rizik\u00e1 <\/strong>okrem lie\u010debn\u00fdch n\u00e1kladov chce ma\u0165 kryt\u00e9. <\/strong>Najviac odpor\u00fa\u010dam zv\u00e1\u017ei\u0165 poistenie po\u0161kodenia a\u00a0straty bato\u017einy a\u00a0<\/strong>ob\u010dianskej zodpovednosti za \u0161kodu. Hoci napr\u00edklad aerolinky maj\u00fa povinnos\u0165 nahradi\u0165 stratu bato\u017einy<\/strong>, nie ka\u017ed\u00e1 tak rob\u00ed v\u00a0dostato\u010dnej miere a\u00a0najm\u00e4 pri cennej\u0161\u00edch veciach v\u00a0bato\u017eine stoj\u00ed za to osobitne si ju poisti\u0165<\/strong>,\u201c pribli\u017euje finan\u010dn\u00fd analytik spolo\u010dnosti OVB Allfinanz Slovensko Mari\u00e1n B\u00falik.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][image_with_animation image_url=”4831″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][vc_column_text]Pred uzatvoren\u00edm cestovn\u00e9ho poistenia je v\u017edy potrebn\u00e9 zv\u00e1\u017ei\u0165, o ak\u00fd typ dovolenky<\/strong> ide, \u010di sa v r\u00e1mci nej chce klient venova\u0165 napr\u00edklad cyklov\u00fdletom, <\/strong>alebo vysokohorskej turistike<\/strong>.<\/p>\n

M. B\u00falik z\u00e1rove\u0148 dod\u00e1va, \u017ee poistenie zodpovednosti za \u0161kodu je absol\u00fatna nutnos\u0165, <\/strong>ke\u010f\u017ee najm\u00e4 pri po\u0161koden\u00ed zdravia inej osoby<\/strong> hrozia z\u00e1vratn\u00e9 sumy. <\/strong>Historicky najvy\u0161\u0161ie \u0161kody s\u00fa zn\u00e1me zo zr\u00e1\u017eok na ly\u017eiarskom svahu<\/strong>, no ani pri letn\u00fdch dovolenk\u00e1ch nie je hrozba po\u0161kodenia zdravia cudzej osoby vyl\u00fa\u010den\u00e1, a\u00a0to napr\u00edklad pri pren\u00e1jme cestn\u00e9ho \u010di vodn\u00e9ho sk\u00fatra<\/strong>. Ojedinel\u00e9 nie je ani po\u0161kodenie zariadenia<\/strong>v\u00a0apartm\u00e1ne, v\u00a0ktorom s\u00fa klienti ubytovan\u00ed.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_margin=”30″ text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]\n

Najviac riz\u00edk pokryje komplexn\u00e9 poistenie<\/h3>\n[\/vc_column_text][vc_column_text]Pri cest\u00e1ch do zahrani\u010dia pois\u0165ovne klientom odpor\u00fa\u010daj\u00fa uzavrie\u0165 v\u017edy komplexn\u00e9 cestovn\u00e9 poistenie<\/strong>, ktor\u00e9 kryje lie\u010debn\u00e9 n\u00e1klady za o\u0161etrenie v\u00a0pr\u00edpade \u00farazu \u010di choroby, hospitaliz\u00e1ciu, pr\u00edpadn\u00fa repatri\u00e1ciu na Slovensko, ako aj \u00faraz, smr\u0165, bato\u017einu, zodpovednos\u0165 za \u0161kodu a\u00a0tie\u017e asisten\u010dn\u00e9 slu\u017eby. \u201eCestovn\u00e9 poistenie je potrebn\u00e9 uzavrie\u0165 e\u0161te na \u00fazem\u00ed Slovenska<\/strong>, v\u00a0opa\u010dnom pr\u00edpade za\u010dne poistenie plati\u0165 a\u017e po uplynut\u00ed ochrannej lehoty,\u201c dod\u00e1va \u0161pecialistka externej komunik\u00e1cie Allianz \u2013 Slovenskej pois\u0165ovne Helena Kanderkov\u00e1.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]\n

Adrenal\u00ednov\u00e9 \u0161porty je potrebn\u00e9 pripoisti\u0165<\/h3>\n[\/vc_column_text][vc_column_text]T\u00ed, ktor\u00ed chc\u00fa v\u00a0zahrani\u010d\u00ed robi\u0165 in\u00fd ako rekrea\u010dn\u00fd \u0161port<\/strong>, potrebuj\u00fa navy\u0161e krytie rizikov\u00fdch \u0161portov<\/strong>, v\u00a0opa\u010dnom pr\u00edpade toti\u017e nemusia zo strany pois\u0165ovne z\u00edska\u0165 \u017eiadne plnenie. <\/strong><\/p>\n

Pod\u013ea H. Kanderkovej m\u00f4\u017ee \u00eds\u0165 napr\u00edklad o\u00a0bungee jumping, zoskok z\u00a0lietadla <\/strong>s\u00a0pad\u00e1kom, pot\u00e1panie sa <\/strong>do h\u013abky viac ako 20 metrov, vodnoly\u017eiarske \u0161porty \u010di horolezectvo<\/strong> v\u00a0nadmorskej v\u00fd\u0161ke viac ako 3-tis\u00edc metrov. Net\u00fdka sa to v\u0161ak jednorazovo zak\u00fapen\u00fdch j\u00e1zd rekrea\u010dn\u00e9ho charakteru<\/strong> v mieste pobytu poisten\u00e9ho, ktor\u00e9 s\u00fa cestovn\u00fdm poisten\u00edm kryt\u00e9<\/strong>.[\/vc_column_text][image_with_animation image_url=”4855″ image_size=”full” animation_type=”entrance” animation=”None” animation_movement_type=”transform_y” hover_animation=”none” alignment=”” border_radius=”none” box_shadow=”none” image_loading=”default” max_width=”100%” max_width_mobile=”default”][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]\n

Pozor na r\u00f4zne v\u00fdluky v poisten\u00ed<\/h3>\n[\/vc_column_text][vc_column_text]Pod\u013ea v\u0161eobecn\u00fdch poistn\u00fdch podmienok pois\u0165ovne oby\u010dajne nekryj\u00fa udalosti, ktor\u00e9 boli sp\u00f4soben\u00e9 \u00famyselne <\/strong>zo strany poisten\u00e9ho alebo z\u00a0vedomej nedbanlivosti<\/strong>. M. B\u00falik upozor\u0148uje na to, \u017ee pois\u0165ovne sk\u00famaj\u00fa pri poistn\u00fdch udalostiach okrem zrejm\u00e9ho \u00famyslu aj nedbanlivos\u0165<\/strong>, ke\u010f\u017ee poistenec m\u00e1 za ka\u017ed\u00fdch okolnost\u00ed urobi\u0165 v\u0161etko pre to, aby vzniku \u0161kody predi\u0161iel.<\/strong><\/p>\n

V\u00a0r\u00e1mci \u010dast\u00fdch v\u00fdluk v\u00a0poisten\u00ed ide o vyl\u00fa\u010denia \u0161k\u00f4d sp\u00f4soben\u00fdch vojnou \u010di terorizmom<\/strong>. \u201eCestovn\u00e9 poistenie nekryje \u0161kody sp\u00f4soben\u00e9 vojnov\u00fdm \u010di ob\u010dianskym nepokojom,<\/strong> ak cie\u013eov\u00e1 destin\u00e1cia bola ofici\u00e1lnymi \u0161t\u00e1tnymi org\u00e1nmi vyhl\u00e1sen\u00e1 za rizikov\u00fa oblas\u0165<\/strong> s\u00a0odpor\u00fa\u010dan\u00edm necestova\u0165 tam,\u201c uv\u00e1dza H. Kanderkov\u00e1. Rie\u0161en\u00edm v\u00a0tomto pr\u00edpade nie je ani viacn\u00e1sobn\u00e9 poistenie v\u00a0r\u00f4znych pois\u0165ovniach<\/strong> v\u00a0snahe zv\u00fd\u0161i\u0165 svoju poistn\u00fa ochranu.<\/p>\n

M. B\u00falik pritom dod\u00e1va, \u017ee t\u00e1to v\u00fdluka sa t\u00fdka aj regi\u00f3nov ozna\u010den\u00fdch ako bezpe\u010dn\u00e9, kde sa n\u00e1hodne vyskytne teroristick\u00fd akt.<\/strong> Zauj\u00edmavos\u0165ou je aj v\u00fdluka \u0161k\u00f4d sp\u00f4soben\u00fdch prenosnou chorobou <\/strong>\u010di pr\u00edpadne z\u00a0obavy \u010di hrozby z jej prenosu s\u00a0v\u00fdnimkou pand\u00e9mie alebo epid\u00e9mie<\/strong>. Pois\u0165ovne sa t\u00fdmto ustanoven\u00edm chr\u00e1nia pred rizikov\u00fdm spr\u00e1van\u00edm poisten\u00fdch os\u00f4b,<\/strong> ktor\u00e9 vo v\u00fdraznej miere zvy\u0161uje hrozbu vzniku ochorenia.<\/strong><\/p>\n

\u201eMedzi v\u00fdluky patria aj \u0161kody sp\u00f4soben\u00e9 bl\u00edzkej osobe<\/strong>, \u010do je logick\u00e9, ke\u010f\u017ee medzi pr\u00edbuzn\u00fdmi osobami m\u00f4\u017ee s\u00a0ove\u013ea v\u00e4\u010d\u0161ou pravdepodobnos\u0165ou pr\u00eds\u0165 ku koordinovan\u00e9mu postupu a\u00a0snahe o\u00a0podvodn\u00e9 z\u00edskanie finan\u010dn\u00e9ho plnenia,\u201c <\/strong>opisuje analytik.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]\n

Poistn\u00e9 plnenie m\u00f4\u017ee skomplikova\u0165 alkohol<\/h3>\n[\/vc_column_text][vc_column_text]Opatrnos\u0165 sa z\u00edde aj pri konzum\u00e1cii alkoholu. <\/strong>Na cest\u00e1ch je lep\u0161ie sa jej vyhn\u00fa\u0165<\/strong>, preto\u017eealkohol v krvi <\/strong>m\u00f4\u017ee by\u0165 d\u00f4vodom na kr\u00e1tenie alebo odmietnutie vyplatenia<\/strong> finan\u010dnej n\u00e1hrady \u0161kody. Pod\u013ea M. B\u00falika nemus\u00ed \u00eds\u0165 pritom v\u017edy len o\u00a0riadenie vozidla pod vplyvom alkoholu, ale o\u00a0ak\u00fako\u013evek udalos\u0165, kde alkohol v\u00a0krvi poisten\u00e9ho \u010dloveka <\/strong>sp\u00f4sob\u00ed poistn\u00fa udalos\u0165, alebo prispeje k\u00a0jej vzniku<\/strong> napr\u00edklad nedostato\u010dnou \u010di spomalenou reakciou na bezprostredn\u00e9 dianie. Podobne je to aj s\u00a0u\u017e\u00edvan\u00edm drog <\/strong>a n\u00e1vykov\u00fdch l\u00e1tok<\/strong>.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1714133962522{padding-top: 20px !important;padding-right: 20px !important;padding-bottom: 20px !important;padding-left: 20px !important;background-color: #f4f4f4 !important;}”]\n

\u010co \u010falej nemus\u00ed by\u0165 kryt\u00e9 v cestovnom poisten\u00ed<\/h3>\n
    \n
  • Existuj\u00face choroby, \u010di u\u017e chronick\u00e9, alebo opakuj\u00face sa, ako aj psychick\u00e9 poruchy.<\/li>\n
  • N\u00e1klady na prenosn\u00e9 pohlavn\u00e9 choroby a v\u00edrus HIV.<\/li>\n
  • Komplik\u00e1cie napr\u00edklad po 24. t\u00fd\u017edni tehotenstva.<\/li>\n
  • O\u010dkovanie proti cudzokrajn\u00fdm chorob\u00e1m, ani n\u00e1sledky nepodrobenia sa povinn\u00e9mu o\u010dkovaniu.<\/li>\n
  • \u0160kody na veciach vypo\u017ei\u010dan\u00fdch a prenajat\u00fdch po\u010das pobytu.<\/li>\n
  • V\u00a0r\u00e1mci tuzemsk\u00e9ho poistenia je potrebn\u00e9 d\u00e1va\u0165 si pozor aj na \u0161kody na motorov\u00fdch vozidl\u00e1ch, veciach umeleckej hodnoty, peniazoch, \u0161ekoch, \u0161perkoch, vkladn\u00fdch kni\u017ek\u00e1ch, cenin\u00e1ch, ktor\u00e9 nie s\u00fa predmetom cestovn\u00e9ho poistenia.<\/li>\n
  • Poistenie v\u00a0tomto pr\u00edpade nemus\u00ed kry\u0165 ani po\u0161kodenie, zni\u010denie, odcudzenie, alebo stratu bato\u017einy, ak ju poisten\u00fd nechal v dopravnom prostriedku v\u00a0\u010dase, ke\u010f u\u017e bol ubytovan\u00fd.<\/li>\n
  • \u0160kody v d\u00f4sledku vedom\u00e9ho poru\u0161enia bezpe\u010dnostn\u00fdch alebo pr\u00e1vnych predpisov alebo usmernen\u00ed a pokynov Horskej z\u00e1chrannej slu\u017eby.<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]\n

    \u0160pecifick\u00e9 je poistenie storna z\u00e1jazdu<\/h3>\n[\/vc_column_text][vc_column_text]\u0160pecifickou oblas\u0165ou v\u00a0r\u00e1mci cestovania je poistenie storna z\u00e1jazdu, <\/strong>ktor\u00e9 je vhodn\u00e9uzatvori\u0165 aspo\u0148 dva t\u00fd\u017edne pred odchodom<\/strong> na z\u00e1jazd. \u201eD\u00f4vodom je fakt, \u017ee na viacer\u00e9 rizik\u00e1 v tomto pripoisten\u00ed sa vz\u0165ahuje \u010dakacia lehota do 14 dn\u00ed<\/strong>. Niektor\u00e9 pois\u0165ovne v\u0161ak umo\u017e\u0148uj\u00fa uzavrie\u0165 poistenie storna iba v\u00a0de\u0148 k\u00fapy z\u00e1jazdu \u010di leteniek <\/strong>alebo maxim\u00e1lnedo dvoch pracovn\u00fdch dn\u00ed <\/strong>po tomto d\u00e1tume, a neskor\u0161ia k\u00fapa tohto poistenia v\u00a0nich nie je mo\u017en\u00e1<\/strong>,\u201c upozor\u0148uje M. B\u00falik.<\/p>\n

    V\u00a0tomto pr\u00edpade je preto vhodn\u00e9 si dopredu zisti\u0165 podmienky<\/strong> storna a\u00a0zv\u00e1\u017ei\u0165, \u010di stoj\u00ed za to riskova\u0165 stratu financi\u00ed<\/strong> investovan\u00fdch do z\u00e1jazdu, alebo sa v\u010das poisti\u0165<\/strong>. Z\u00e1rove\u0148 je d\u00f4le\u017eit\u00e9 pozrie\u0165 si detailne podmienky, za ak\u00fdch pois\u0165ov\u0148a uhr\u00e1dza plnenie<\/strong> v\u00a0tomto pr\u00edpade. Nenast\u00fapenie na z\u00e1jazd kv\u00f4li obave napr\u00edklad z\u00a0ochorenia<\/strong> alebo n\u00e1kazy v\u00a0danej krajine toti\u017e nie je dostato\u010dn\u00fdm d\u00f4vodom na poistn\u00e9 plnenie, \u010do pod\u013ea M. B\u00falika neplatilo ani po\u010das pand\u00e9mie koronav\u00edrusu a\u00a0neplat\u00ed ani v\u00a0s\u00fa\u010dasnosti.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]\n

    Ak cestujete \u010dastej\u0161ie, \u00a0zv\u00e1\u017ete celoro\u010dn\u00e9 poistenie<\/h3>\n[\/vc_column_text][vc_column_text]Pri cestovnom poisten\u00ed plat\u00ed: \u010d\u00edm viac krat\u0161\u00edch v\u00fdletov\u00a0 po\u010das roka urob\u00edte, o\u00a0to v\u00fdhodnej\u0161ie<\/strong> je celoro\u010dn\u00e9 poistenie oproti kr\u00e1tkodob\u00e9mu. <\/em>Celoro\u010dn\u00e9 poistenie sa oplat\u00ed, ak po\u010das roka chodievate na krat\u0161ie v\u00fdlety do zahrani\u010dia alebo idete ako rodina aspo\u0148 na jednu 10-d\u0148ov\u00fa a dlh\u0161iu dovolenku.<\/em> Celoro\u010dn\u00e9 poistenie je praktick\u00e9<\/strong> \u2013 nem\u00f4\u017ee sa sta\u0165, \u017ee si ho zabudnete uzavrie\u0165\u00a0 – poistn\u00e9 sa automaticky strh\u00e1va z\u00a0\u00fa\u010dtu a\u00a0poistenie mo\u017eno vypoveda\u0165\u00a0 kedyko\u013evek bez udania d\u00f4vodu<\/strong> zvy\u010dajne s\u00a0mesa\u010dnou\u00a0 v\u00fdpovednou lehotou a\u00a0bez ak\u00fdchko\u013evek poplatkov.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1714134578270{background-color: #f4f4f4 !important;}”]\n

    Zdroj:<\/strong> finreport.sk<\/em><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

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