{"id":7034,"date":"2021-06-21T00:00:00","date_gmt":"2021-06-20T23:00:00","guid":{"rendered":"https:\/\/instrid.sk\/uncategorized\/na-co-treba-mysliet-pred-odchodom-na-dovolenku\/"},"modified":"2021-06-21T00:00:00","modified_gmt":"2021-06-20T23:00:00","slug":"na-co-treba-mysliet-pred-odchodom-na-dovolenku","status":"publish","type":"post","link":"https:\/\/instrid.sk\/en\/archiv\/na-co-treba-mysliet-pred-odchodom-na-dovolenku\/","title":{"rendered":"Na \u010do treba myslie\u0165 pred odchodom na dovolenku?"},"content":{"rendered":"Ne\u010dakan\u00e1 udalos\u0165 m\u00f4\u017ee potr\u00e1pi\u0165 pe\u0148a\u017eenku. Poistenie m\u00f4\u017ee pom\u00f4c\u0165 prekona\u0165 \u0165a\u017ek\u00e9 chv\u00edle. <\/strong>\n

Dovolenkov\u00e1 sez\u00f3na u\u017e za\u010dala v\u00a0plnom pr\u00fade. Nikdy nevieme, \u010do sa m\u00f4\u017ee sta\u0165 a\u00a0v\u017edy je dobr\u00e9 sa pre istotu poisti\u0165. O\u00a0to viac, ke\u010f ideme do zahrani\u010dia. Ak sa stane \u00faraz, nehoda alebo kr\u00e1de\u017e, dovolenka sa m\u00f4\u017ee pekne predra\u017ei\u0165.<\/p>\n

Poistn\u00e1 udalos\u0165 na dovolenke nie je ni\u010d zvl\u00e1\u0161tne. V jednej z komer\u010dn\u00fdch pois\u0165ovn\u00ed, Allianz – Slovenskej pois\u0165ovni a. s. (uv\u00e1dza Finance.sk) hl\u00e1sia ro\u010dne v priemere 30 poistn\u00fdch udalost\u00ed z cestovn\u00e9ho poistenia. V obdob\u00ed pred pand\u00e9miou, za rok 2018, bolo najviac hl\u00e1sen\u00ed z Turecka, Egypta a Gr\u00e9cka. Naj\u010dastej\u0161ie hl\u00e1senia boli zlomeniny a zranenia sp\u00f4soben\u00e9 \u0161portov\u00fdmi aktivitami, najm\u00e4 u det\u00ed.<\/p>\n

Dovolenka po\u010das pand\u00e9mie<\/h3>\n

Pand\u00e9mia koronav\u00edrusu zasiahla v\u0161etky sektory, v\u0161etky oblasti \u017eivota. Niekoho polo\u017eila na kolen\u00e1, no niektor\u00ed situ\u00e1ciu vyu\u017eili ako pr\u00edle\u017eitos\u0165. Poistn\u00fd trh sa taktie\u017e prisp\u00f4sobil situ\u00e1cii a\u00a0za\u010dali pon\u00faka\u0165 nov\u00e9 produkty, ktor\u00e9 dovolenk\u00e1ri priv\u00edtaj\u00fa. Ako n\u00e1m m\u00f4\u017ee koronav\u00edrus zmari\u0165 dovolenku a\u00a0\u010do v\u0161etko n\u00e1m m\u00f4\u017ee pokry\u0165 poistka?<\/p>\n

\u0160\u00edrenie v\u00edrusu COVID \u2013 19 sp\u00f4sobil mnoh\u00e9 obmedzenia a\u00a0nepr\u00edjemnosti. Na\u0161\u0165astie dovolenkov\u00e1 sez\u00f3na vyzer\u00e1 s\u013eubne a\u00a0mnoho kraj\u00edn je pripraven\u00fdch prija\u0165 turistov. No pred, po\u010das a\u00a0aj na z\u00e1ver pobytu v\u00a0zahrani\u010d\u00ed m\u00f4\u017eu nasta\u0165 ne\u010dakan\u00e9 okolnosti, ktor\u00e9 n\u00e1m m\u00f4\u017eu pokazi\u0165 pekn\u00e9 chv\u00edle, pripravi\u0165 n\u00e1s o vyt\u00fa\u017een\u00e9 pr\u00e1zdniny a aj o nemal\u00e9 peniaze. <\/strong><\/p>\n

\u010co ak sa nakaz\u00edte tesne pred odletom? \u010co ak sa nakaz\u00edte po\u010das dovolenky a budem musie\u0165 by\u0165 v karant\u00e9ne – budete musie\u0165 zosta\u0165 v cudzej krajine o nie\u010do dlh\u0161ie ako bolo p\u00f4vodne pl\u00e1novan\u00e9? \u010co ak budete potrebova\u0165 v zahrani\u010d\u00ed lek\u00e1rsku starostlivos\u0165? Nepr\u00edjemn\u00e9 a nepredv\u00eddate\u013en\u00e9 situ\u00e1cie n\u00e1m m\u00f4\u017eu poriadne predra\u017ei\u0165 vysn\u00edvan\u00fa dovolenku.<\/p>\n

Poistky pri ceste do zahrani\u010dia<\/strong><\/h3>\n

Je dobr\u00e9 sa pripravi\u0165 na v\u0161etko a pri tom n\u00e1m m\u00f4\u017eu pom\u00f4c\u0165 pois\u0165ovne. Na Slovensku p\u00f4sob\u00ed viac komer\u010dn\u00fdch pois\u0165ovn\u00ed, ktor\u00e9 myslia aj na ot\u00e1zky, ktor\u00e9 si klad\u00fa turisti pred cestou na dovolenku. Pon\u00fakaj\u00fa r\u00f4zne typy poistenia do zahrani\u010dia a vy si m\u00f4\u017eete vybra\u0165 to, \u010do v\u00e1m najviac vyhovuje.<\/p>\n

Pois\u0165ovne maj\u00fa v ponuke r\u00f4zne poistky, ktor\u00e9 s\u00fa u\u0161it\u00e9 priamo na nepr\u00edjemn\u00e9 situ\u00e1cie sp\u00f4soben\u00e9 koronav\u00edrusom. Poistn\u00e9 produkty s\u00fa v r\u00f4znej cene a s r\u00f4znym kryt\u00edm \u0161kody. Niektor\u00e9 poistky na cestovanie do zahrani\u010dia obsahuj\u00fa rizik\u00e1 spojen\u00e9 s v\u00edrusom COVID – 19 u\u017e priamo v bal\u00edku cestovn\u00e9ho poistenia a v in\u00fdch pois\u0165ovniach je potrebn\u00e9 si dopoisti\u0165 doplnkov\u00fa pandemick\u00fa poistku.<\/strong> Av\u0161ak treba myslie\u0165 najm\u00e4 na to, \u017ee vo v\u00e4\u010d\u0161ine pr\u00edpadov plat\u00ed poistka len v pr\u00edpade, ak cestujete do menej rizikov\u00fdch kraj\u00edn.<\/p>\n

\u010cerven\u00e9 a \u010dierne krajiny na cestovate\u013eskom semafore, teda rizikov\u00e9 krajiny v\u00e4\u010d\u0161inou nie s\u00fa kryt\u00e9, m\u00f4\u017eu by\u0165 vo v\u00fdluk\u00e1ch, alebo s\u00fa vytvoren\u00e9 konkr\u00e9tne pre tieto krajiny zvl\u00e1\u0161\u0165 bal\u00ed\u010dky za vy\u0161\u0161ie ceny. Preto si treba d\u00e1va\u0165 pozor hlavne na to, \u017ee \u010do presne je v zmluve a takisto je potrebn\u00e9 si pred odchodom skontrolova\u0165 farbu krajiny na cestovate\u013eskom semafore.<\/p>\n

Rozsah sumy poistn\u00e9ho krytia je taktie\u017e v pois\u0165ovniach rozdielny. Niekde s\u00fa r\u00f4zne sumy krytia \u0161kody, napr\u00edklad do 100\u00a0000 eur alebo a\u017e do 20\u00a0000\u00a0000 a\u00a0niekde cena z\u00e1le\u017e\u00ed od konkr\u00e9tnej destin\u00e1cie. Cena poistn\u00e9ho z\u00e1vis\u00ed od destin\u00e1cie, veku a\u00a0v\u00a0niektor\u00fdch pois\u0165ovniach aj od \u00fa\u010delu cesty.<\/p>\n

Covid – poistky nie len do zahrani\u010dia<\/strong><\/h3>\n

U\u017e pred pand\u00e9miou koronav\u00edrusu pon\u00fakali pois\u0165ovne r\u00f4zne produkty, kde bolo mo\u017en\u00e9 by\u0165 poisten\u00fd v pr\u00edpade choroby. Pri vypuknut\u00ed pand\u00e9mie rie\u0161ili poistn\u00e9 in\u0161tit\u00facie dilemu, ktor\u00e9 poistky kryj\u00fa aj ochorenie COVID – 19, \u0165a\u017ek\u00fd priebeh a s t\u00fdm s\u00favisiacu napr\u00edklad aj pracovn\u00fa neschopnos\u0165, pobyt v nemocnici a podobne. Dnes v tom pois\u0165ovne maj\u00fa jasno a pri uzatv\u00e1ran\u00ed akejko\u013evek poistky by malo by\u0165 definovan\u00e9, \u017ee \u010di to zah\u0155\u0148a aj nepr\u00edjemnosti spojen\u00e9 s\u00a0ochoren\u00edm COVID-19.<\/strong><\/p>\n

Nie len pri uzatv\u00e1ran\u00ed poistn\u00e9ho do zahrani\u010dia plat\u00ed, \u017ee si treba pozorne pre\u010d\u00edta\u0165 presn\u00e9 podmienky a platnos\u0165 poistky. Plat\u00ed to pri uzatv\u00e1ran\u00ed akejko\u013evek poistky, \u010di u\u017e \u017eivotnej, ne\u017eivotnej, poistky pri ceste do zahrani\u010dia, alebo pri povinnom zmluvnom poisten\u00ed auta. Nie je nezvy\u010dajn\u00e9, \u017ee sa niekomu stane nejak\u00e1 poistn\u00e1 udalos\u0165, myslia si, \u017ee to preplat\u00ed pois\u0165ov\u0148a a potom zistia, \u017ee pr\u00e1ve dan\u00e1 situ\u00e1cia nie je kryt\u00e1 poistkou.<\/p>\n

\u013dudia sa \u010dasto kv\u00f4li nepredv\u00eddate\u013en\u00fdm udalostiam dost\u00e1vaj\u00fa do \u0165a\u017ek\u00fdch finan\u010dn\u00fdch situ\u00e1ci\u00ed. Preto je potrebn\u00e9 si dobre premyslie\u0165 \u010do, za ak\u00fa hodnotu a\u00a0ak\u00fdm sp\u00f4sobom si poist\u00edte.<\/strong> Je dobr\u00e9 rozumie\u0165 podmienkam poistnej zmluvy, aby v\u00e1s potom ni\u010d neprekvapilo.<\/p>","protected":false},"excerpt":{"rendered":"

Dovolenkov\u00e1 sez\u00f3na u\u017e za\u010dala v\u00a0plnom pr\u00fade. Nikdy nevieme, \u010do sa m\u00f4\u017ee sta\u0165 a\u00a0v\u017edy je dobr\u00e9 sa pre istotu poisti\u0165. O\u00a0to viac, ke\u010f ideme do zahrani\u010dia.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-7034","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/7034","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/comments?post=7034"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/7034\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=7034"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=7034"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=7034"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}