{"id":6830,"date":"2025-01-17T13:44:59","date_gmt":"2025-01-17T12:44:59","guid":{"rendered":"https:\/\/www.poistim.sk\/lyzovacka-bez-stresu-vsetko-co-potrebujete-vediet-o-poisteni-na-hory\/"},"modified":"2025-01-17T14:44:34","modified_gmt":"2025-01-17T13:44:34","slug":"lyzovacka-bez-stresu-vsetko-co-potrebujete-vediet-o-poisteni-na-hory","status":"publish","type":"post","link":"https:\/\/www.poistim.sk\/skpp2\/lyzovacka-bez-stresu-vsetko-co-potrebujete-vediet-o-poisteni-na-hory\/","title":{"rendered":"Ly\u017eova\u010dka bez stresu: V\u0161etko, \u010do potrebujete vedie\u0165 o poisten\u00ed na hory."},"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 css=”” text_direction=”default”]\n

Na Slovensku je zn\u00e1me poistenie pre ly\u017eiarov pod n\u00e1zvom poistenie na hory. Zah\u0155\u0148a z\u00e1sah Horskej z\u00e1chrannej slu\u017eby (HZS), ktor\u00fd m\u00f4\u017ee zah\u0155\u0148a\u0165 z\u00e1chrann\u00e9 akcie, prv\u00fa pomoc, transport vrtu\u013en\u00edkom \u010di technick\u00fa podporu, a taktie\u017e krytie lie\u010debn\u00fdch n\u00e1kladov. D\u00f4le\u017eitou s\u00fa\u010das\u0165ou je aj poistenie zodpovednosti za sp\u00f4soben\u00fa \u0161kodu. Ak\u00e9 \u010fal\u0161ie situ\u00e1cie si ly\u017eiari m\u00f4\u017eu poisti\u0165?<\/p>\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 css=”” text_direction=”default”]\n

Z\u00e1kladn\u00e9 poistenie pre ly\u017eiarov<\/h3>\n[\/vc_column_text][vc_column_text css=”” text_direction=”default”]\n

Najprv sa zamerajme na poistenie pre ly\u017eiarov u n\u00e1s. Ka\u017ed\u00e1 pois\u0165ov\u0148a pon\u00faka r\u00f4zne bal\u00ed\u010dky dom\u00e1ceho cestovn\u00e9ho poistenia pre pohyb v hor\u00e1ch a predh\u00e1\u0148aj\u00fa sa v ponuke kryt\u00ed. To sa odr\u00e1\u017ea najm\u00e4 na pokryt\u00ed n\u00e1kladov za slu\u017eby horsk\u00fdch z\u00e1chran\u00e1rov, ktor\u00e9 m\u00f4\u017eu by\u0165 vysok\u00e9. Ak sa ly\u017eiarovi na svahu stane nehoda, n\u00e1klady na o\u0161etrenie kryje verejn\u00e9 zdravotn\u00e9 poistenie. Ak v\u0161ak treba p\u00e1tranie, vyslobodzovanie \u010di prevoz, nepoisten\u00fd jednotlivec si m\u00f4\u017ee v\u00fdrazne za\u0165a\u017ei\u0165 rozpo\u010det.<\/p>\n

Tieto v\u00fddavky s\u00fa hraden\u00e9 cez cestovn\u00e9 poistenie na Slovensku, ktor\u00e9 zah\u0155\u0148a aj poistenie na hory. V\u00fd\u0161ka krytia sa pohybuje od 7-tis\u00edc do 50-tis\u00edc eur v z\u00e1vislosti od vybran\u00e9ho bal\u00edka.<\/p>\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 css=”” text_direction=”default”]\n

Zodpovednos\u0165 za \u0161kodu<\/h3>\n[\/vc_column_text][vc_column_text css=”” text_direction=”default”]\n

S\u00fa\u010das\u0165ou poistenia by malo by\u0165 aj krytie zodpovednosti za \u0161kodu, okrem z\u00e1sahov horskej slu\u017eby \u010di lie\u010debn\u00fdch n\u00e1kladov. Tento typ poistenia pom\u00e1ha ly\u017eiarom v pr\u00edpadoch, ke\u010f sp\u00f4sobia ujmu na zdrav\u00ed, majetku alebo \u017eivote in\u00fdch os\u00f4b. M\u00f4\u017ee kry\u0165 aj n\u00e1sledn\u00e9 \u0161kody, napr\u00edklad straty spojen\u00e9 s pracovnou neschopnos\u0165ou.<\/p>\n

\u013dudia sa \u010dasto p\u00fdtaj\u00fa, \u010di je nutn\u00e9 si poisti\u0165 \u00faraz, ak s\u00fa u\u017e kryt\u00ed \u017eivotn\u00fdm poisten\u00edm. Odpove\u010f z\u00e1vis\u00ed od konkr\u00e9tnej situ\u00e1cie. \u00darazov\u00e9 krytie je v cestovnom poisten\u00ed doplnkov\u00fdm poisten\u00edm. Ak d\u00f4jde k \u00farazu, m\u00f4\u017eete v\u0161ak po\u017eiada\u0165 o plnenie aj zo \u017eivotn\u00e9ho poistenia, ak to podmienky umo\u017e\u0148uj\u00fa.<\/p>\n[\/vc_column_text][image_with_animation image_url=”6744″ 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 css=”” text_direction=”default”]\n

Poistenie pre rizikov\u00e9 \u0161porty<\/strong><\/h3>\n[\/vc_column_text][vc_column_text css=”” text_direction=”default”]\n

V\u0161eobecn\u00e9 poistn\u00e9 podmienky zvy\u010dajne zah\u0155\u0148aj\u00fa rekrea\u010dn\u00e9 ly\u017eovanie, snowboarding alebo be\u017ekovanie na vyzna\u010den\u00fdch tratiach. Ak v\u00e1\u0161 \u0161port medzi kryt\u00e9 nepatr\u00ed, je mo\u017en\u00e9 ho doplni\u0165 pripoisten\u00edm. Pois\u0165ovne \u010dasto vymedzuj\u00fa rizikov\u00e9 \u0161porty, napr\u00edklad freeride alebo tr\u00e9ning na s\u00fa\u0165a\u017ee.<\/p>\n

Niektor\u00e9 aktivity v\u0161ak poisti\u0165 nemo\u017eno. Medzi ne patria \u0161porty vykon\u00e1van\u00e9 v extr\u00e9mnych podmienkach, vo vysokohorskom prostred\u00ed alebo mimo zna\u010den\u00fdch zjazdoviek. V\u00fdnimkou s\u00fa tie\u017e profesion\u00e1lne \u0161porty na verejn\u00fdch podujatiach.<\/p>\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\/2″ 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=”” text_direction=”default”]\n

Kedy poistenie neplat\u00ed<\/h3>\n[\/vc_column_text][vc_column_text css=”” text_direction=”default”]\n

V\u00fdluky v poisten\u00ed sa t\u00fdkaj\u00fa r\u00f4znych situ\u00e1ci\u00ed, ktor\u00e9 poistn\u00e9 krytie vylu\u010duj\u00fa. Patr\u00ed sem predov\u0161etk\u00fdm po\u017eitie alkoholu alebo omamn\u00fdch l\u00e1tok, ktor\u00e9 m\u00f4\u017eu ovplyvni\u0165 \u00fasudok a zv\u00fd\u0161i\u0165 riziko nehody. Rovnako s\u00fa vyl\u00fa\u010den\u00e9 pr\u00edpady \u00famyseln\u00e9ho konania, ktor\u00e9 vedie k vzniku \u0161kody, \u010di hrub\u00e1 nedbanlivos\u0165, napr\u00edklad nere\u0161pektovanie bezpe\u010dnostn\u00fdch pokynov alebo pravidiel ly\u017eiarskeho strediska.<\/p>\n[\/vc_column_text][\/vc_column][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\/2″ 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=”6718″ 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 css=”” text_direction=”default”]\n

Poistenie v\u00fdstroja a osobn\u00fdch vec\u00ed<\/h3>\n[\/vc_column_text][vc_column_text css=”” text_direction=”default”]\n

Ly\u017eiarske vybavenie \u2013 nov\u00e9 alebo star\u0161ie \u2013 si mo\u017eno poisti\u0165 na sumu, ktor\u00fa si dohodnete s pois\u0165ov\u0148ou. Tak\u00e9to poistenie je zn\u00e1me ako poistenie bato\u017einy. Bato\u017eina je zvy\u010dajne kryt\u00e1 vo\u010di po\u0161kodeniu, po\u017eiaru \u010di v\u00edchrici. Pri kr\u00e1de\u017ei pois\u0165ovne stanovuj\u00fa \u0161pecifick\u00e9 podmienky, kedy m\u00e1 klient n\u00e1rok na plnenie.<\/p>\n

Jedn\u00fdm z krit\u00e9ri\u00ed je, aby p\u00e1chate\u013e prekonal prek\u00e1\u017eku. Poistenie sa nevz\u0165ahuje na veci ponechan\u00e9 bez dozoru na svahu \u010di v ly\u017eiarskych baroch. Na osobn\u00e9 veci, ako s\u00fa pe\u0148a\u017eenka alebo doklady, sa m\u00f4\u017ee vz\u0165ahova\u0165 poistenie dom\u00e1cnosti.<\/p>\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 css=”” text_direction=”default”]\n

Rady pre ly\u017eova\u010dku v zahrani\u010d\u00ed<\/h3>\n[\/vc_column_text][vc_column_text css=”” text_direction=”default”]\n

Pred cestou za hranice si overte, \u010di m\u00e1te poisten\u00e9 lie\u010debn\u00e9 n\u00e1klady. V zahrani\u010d\u00ed, rovnako ako na Slovensku, je d\u00f4le\u017eit\u00e9 poistenie zodpovednosti za \u0161kodu. Tento typ krytia je nevyhnutn\u00fd pri \u0161kod\u00e1ch na majetku alebo zdrav\u00ed cudz\u00edch os\u00f4b. V\u00fd\u0161ka poistn\u00e9ho krytia by mala by\u0165 dostato\u010dn\u00e1, preto\u017ee n\u00e1klady m\u00f4\u017eu by\u0165 v zahrani\u010d\u00ed omnoho vy\u0161\u0161ie.<\/p>\n

Ak niekoho zraz\u00edte na svahu v Rak\u00fasku, m\u00f4\u017ee od v\u00e1s \u017eiada\u0165 \u00fahradu n\u00e1kladov na prevoz, lie\u010dbu alebo aj po\u0161koden\u00e9 vybavenie.<\/p>\n

Niektor\u00e9 zodpovednostn\u00e9 \u0161kody m\u00f4\u017ee pokry\u0165 aj poistenie dom\u00e1cnosti, ak plat\u00ed v danej krajine. D\u00f4le\u017eit\u00e9 je v\u0161ak zisti\u0165, ak\u00e9 pravidl\u00e1 platia v konkr\u00e9tnych stredisk\u00e1ch alebo krajin\u00e1ch.<\/p>\n

V Taliansku je poistenie zodpovednosti za \u0161kodu pre ly\u017eiarov povinn\u00e9. Bez neho m\u00f4\u017ee ly\u017eiar pr\u00eds\u0165 o skipas a zaplati\u0165 pokutu.<\/p>\n

Pri zahrani\u010dn\u00fdch ly\u017eova\u010dk\u00e1ch odpor\u00fa\u010dam aj pripoistenie n\u00e1kladov na z\u00e1chranu a \u00farazov\u00e9 krytie. Netreba zab\u00fada\u0165 ani na poistenie prevozu na Slovensko.<\/p>\n[\/vc_column_text][image_with_animation image_url=”6766″ 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]\n","protected":false},"excerpt":{"rendered":"

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