{"id":3728,"date":"2016-11-21T22:00:00","date_gmt":"2016-11-21T21:00:00","guid":{"rendered":"https:\/\/www.srovnator.cz\/clanky\/ostatni\/cestovni-pojisteni-online-jak-vybrat-to-nejlepsi-pro-mou-cestu\/"},"modified":"2024-06-24T07:46:55","modified_gmt":"2024-06-24T05:46:55","slug":"cestovni-pojisteni-online-jak-vybrat-to-nejlepsi-pro-mou-cestu","status":"publish","type":"post","link":"https:\/\/www.srovnator.cz\/clanky\/online-cestovni-pojisteni\/","title":{"rendered":"Cestovn\u00ed poji\u0161t\u011bn\u00ed online. Jak vybrat to nejlep\u0161\u00ed pro mou cestu?"},"content":{"rendered":"\"Cestovn\u00ed\n

Co v\u0161e zahrnuje cestovn\u00ed poji\u0161t\u011bn\u00ed?<\/h2>\n

Stejn\u011b jako u v\u011bt\u0161iny slu\u017eeb \u010di produkt\u016f i cestovn\u00ed poji\u0161t\u011bn\u00ed nab\u00edz\u00ed n\u011bkolik dodavatel\u016f a proto u n\u011bj najdeme rozd\u00edly a to nejen v cen\u011b. Ide\u00e1ln\u00edm \u0159e\u0161en\u00edm je srovn\u00e1n\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed online a to d\u00edky online kalkula\u010dce. Produkty se n\u00e1m se\u0159ad\u00ed podle ceny a my m\u016f\u017eeme porovnat, co v\u0161e je v poji\u0161t\u011bn\u00ed zahrnuto a kolik za to zaplat\u00edme. U cestovn\u00edho poji\u0161t\u011bn\u00ed n\u00e1s zaj\u00edm\u00e1 cena, limit na l\u00e9\u010debn\u00e9 v\u00fdlohy, odpov\u011bdnost za \u0161kodu nebo zda je v cen\u011b zahrnuto poji\u0161t\u011bn\u00ed zavazadel \u010di asisten\u010dn\u00ed slu\u017eba. Sta\u010d\u00ed si vybrat poji\u0161t\u011bn\u00ed dle \u00fa\u010delu na\u0161\u00ed cesty.<\/p>\n

Jak\u00fd volit limit na l\u00e9\u010debn\u00e9 v\u00fdlohy?<\/h2>\n

Pokud vyr\u00e1\u017e\u00edme nap\u0159\u00edklad na hory a hodl\u00e1me n\u00e1\u0161 pobyt pro\u017e\u00edt aktivn\u011b – tedy na sjezdovce, ur\u010dit\u011b je dobr\u00e9 nepodce\u0148ovat v\u00fd\u0161i limitu pro l\u00e9\u010debn\u00e9 v\u00fdlohy, kter\u00fd se li\u0161\u00ed v \u0159\u00e1dech mili\u00f3nu korun. P\u0159i poji\u0161t\u011bn\u00ed dovolen\u00e9 na ly\u017e\u00edch doporu\u010dujeme minim\u00e1ln\u00ed limit 3 miliony korun. Ide\u00e1ln\u011b v\u0161ak 5 mili\u00f3n\u016f. Kdy\u017e budeme konkr\u00e9tn\u00ed, tak t\u00fddenn\u00ed pobyt v Rakousk\u00fdch alp\u00e1ch m\u016f\u017eeme p\u0159i takov\u00e9m limitu pojistit p\u0159ibli\u017en\u011b za 170 K\u010d, p\u0159i\u010dem\u017e v p\u0159\u00edpad\u011b \u00farazu se st\u00e1v\u00e1 tato \u010d\u00e1stka naprosto zanedbatelnou, proto\u017ee takov\u00fd \u00faraz na sjezdovce m\u016f\u017ee na n\u00e1kladech spojen\u00fdch s l\u00e9\u010debn\u00fdmi v\u00fdlohami dosahovat statis\u00edcov\u00fdch i mili\u00f3nov\u00fdch \u010d\u00e1stek. Po\u010d\u00edt\u00e1 se mezi n\u011b p\u0159eprava vrtuln\u00edkem, pobyt v nemocnici, l\u00e9ky nebo p\u0159evoz dom\u016f.<\/p>\n

Odpov\u011bdnost za \u0161kodu a jej\u00ed uplatn\u011bn\u00ed<\/h2>\n

Dal\u0161\u00ed d\u016fle\u017eitou polo\u017ekou je v\u00fd\u0161e limit\u016f poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu. Ta zahrnuje \u00fajmu na zdrav\u00ed druh\u00e9 osoby nebo \u0161kodu na v\u011bci. Pou\u017eijeme – li op\u011bt p\u0159\u00edklad z praxe, m\u016f\u017ee se jednat o zp\u016fsoben\u00ed zran\u011bn\u00ed druh\u00e9mu ly\u017ea\u0159i na sjezdovce nebo po\u0161kozen\u00ed zap\u016fj\u010den\u00e9ho vozidla\/sk\u016ftru na exotick\u00e9 dovolen\u00e9. V ji\u017e v\u00fd\u0161e zm\u00edn\u011bn\u00e9 pojistce za cca. 170 K\u010d je nap\u0159\u00edklad tento limit nastaven na 1 mili\u00f3n korun u \u00fajmy na zdrav\u00ed a na 500 tis\u00edc korun v p\u0159\u00edpad\u011b \u0161kody na v\u011bci.<\/p>\n

Poji\u0161t\u011bn\u00ed ztr\u00e1ty zavazadel<\/h2>\n

Nesm\u00edme opomenout ani poji\u0161t\u011bn\u00ed zavazadel mezi kter\u00e9 pat\u0159\u00ed tak\u00e9 na\u0161e sportovn\u00ed vybaven\u00ed. V p\u0159\u00edpad\u011b na\u0161\u00ed p\u0159\u00edkladov\u00e9 pojistky je tato v\u00fd\u0161e stanovena na 20 tis\u00edc korun. Limit na jednotlivou polo\u017eku pak \u010din\u00ed 10 tis\u00edc korun. Vezmeme-li to konkr\u00e9tn\u011b, pokud je n\u00e1m na hor\u00e1ch odcizen snowboard, m\u00e1me s dobrou pojistkou n\u00e1rok na n\u00e1hradu a\u017e do v\u00fd\u0161e zm\u00edn\u011bn\u00fdch 10 tis\u00edc korun a v p\u0159\u00edpad\u011b ztr\u00e1ty zavazadel pak a\u017e on\u011bch 20 tis\u00edc.<\/p>\n

Kdy pot\u0159ebuji cestovn\u00ed poji\u0161t\u011bn\u00ed?<\/h2>\n

\u010casto opom\u00edjen\u00fdm faktem b\u00fdv\u00e1, \u017ee cestovn\u00ed poji\u0161t\u011bn\u00ed se net\u00fdk\u00e1 jen na\u0161ich del\u0161\u00edch zahrani\u010dn\u00edch cest, ale cestovn\u00ed poji\u0161t\u011bn\u00ed je t\u0159eba sjednat i ve chv\u00edli, kdy vyr\u00e1\u017e\u00edme za hranice na jeden den. Pokud se budeme st\u00e1le dr\u017eet stejn\u00fdch limit\u016f, takov\u00e9 poji\u0161t\u011bn\u00ed n\u00e1s vyjde na 20 K\u010d p\u0159i sjedn\u00e1n\u00ed online<\/a>. Cestovn\u00ed poji\u0161t\u011bn\u00ed pot\u0159ebujeme od momentu p\u0159ekro\u010den\u00ed hranic a\u017e po okam\u017eik, kdy vstoup\u00edme zp\u011bt na \u00fazem\u00ed na\u0161\u00ed republiky a m\u016f\u017ee n\u00e1m u\u0161et\u0159it spoustu \u010dasu, pen\u011bz i starost\u00ed.<\/p>\n

Pl\u00e1nujete zrovna prodlou\u017een\u00fd v\u00edkend na hor\u00e1ch nebo Silvestr na ly\u017e\u00edch? Porovnejte si cestovn\u00ed poji\u0161t\u011bn\u00ed online v na\u0161\u00ed kalkula\u010dce<\/a>.<\/p>\n

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

Kdo ji\u017e cestoval do zahrani\u010d\u00ed, velmi pravd\u011bpodobn\u011b \u0159e\u0161il cestovn\u00ed poji\u0161t\u011bn\u00ed. Asi ka\u017ed\u00fd v\u00edme, \u017ee kdy\u017e p\u0159ej\u00ed\u017ed\u00edme na\u0161e hranice, je pot\u0159eba zajistit si poji\u0161t\u011bn\u00ed pro p\u0159\u00edpadn\u00e9 komplikace. Jak si ale vybrat to nejv\u00fdhodn\u011bj\u0161\u00ed a pro moj\u00ed cestu nejvhodn\u011bj\u0161\u00ed?<\/p>\n","protected":false},"author":5,"featured_media":3729,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[380,390,525,630,490,528,386],"class_list":["post-3728","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cestovni-pojisteni","tag-cestovni-pojisteni","tag-infografika","tag-lecebne-vylohy","tag-odpovednost","tag-online-pojisteni","tag-pojistny-limit","tag-zavazadlo"],"acf":{"znacka":"","model":"","objem":"","vyrobeno":"","vykon":"","velikost_1":"","velikost_2":"","velikost_3":"","velikost_4":"","roky":"","roky_velikost_1":"","roky_velikost_2":"","roky_velikost_3":"","roky_velikost_4":"","pocet_kalkulaci":0,"page_post_meta_bread":"Cestovn\u00ed poji\u0161t\u011bn\u00ed online","page_post_meta_bread_child":"","page_post_meta_script_head":"","page_post_meta_leaving_screen":"cat"},"yoast_head":"\nCestovn\u00ed poji\u0161t\u011bn\u00ed online. Jak vybrat to nejlep\u0161\u00ed pro mou cestu? - Srovn\u00e1tor.cz<\/title>\n<meta name=\"description\" content=\"Cestovn\u00ed poji\u0161t\u011bn\u00ed online. Jak vybrat to nejlep\u0161\u00ed pro mou cestu?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.srovnator.cz\/clanky\/online-cestovni-pojisteni\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cestovn\u00ed poji\u0161t\u011bn\u00ed online. Jak vybrat to nejlep\u0161\u00ed pro mou cestu? - Srovn\u00e1tor.cz\" \/>\n<meta property=\"og:description\" content=\"Cestovn\u00ed poji\u0161t\u011bn\u00ed online. 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Jak vybrat to nejlep\u0161\u00ed pro mou cestu?"},{"@type":"WebSite","@id":"https:\/\/www.srovnator.cz\/#website","url":"https:\/\/www.srovnator.cz\/","name":"Srovn\u00e1tor.cz","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.srovnator.cz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"cs-CZ"},{"@type":"Person","@id":"https:\/\/www.srovnator.cz\/#\/schema\/person\/46d10e971bff43faa91c35835126aa3b","name":"Martin Dane\u0161","image":{"@type":"ImageObject","inLanguage":"cs-CZ","@id":"https:\/\/www.srovnator.cz\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/5cac60568def8a68791e2b771a3394888cf55828e445636dfc99f7ccd1e1d1b8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5cac60568def8a68791e2b771a3394888cf55828e445636dfc99f7ccd1e1d1b8?s=96&d=mm&r=g","caption":"Martin Dane\u0161"},"description":"Jsem Martin Dane\u0161, obchodn\u00ed \u0159editel Srovn\u00e1tor.cz. Na\u0161\u00edm c\u00edlem je naj\u00edt pro v\u00e1s v\u017edy to nejvhodn\u011bj\u0161\u00ed poji\u0161t\u011bn\u00ed dle va\u0161ich pot\u0159eb. D\u00edky \u0161irok\u00e9mu portfoliu produkt\u016f od v\u0161ech v\u00fdznamn\u00fdch poji\u0161\u0165oven v\u00e1m dok\u00e1\u017eeme poskytnout \u0159e\u0161en\u00ed odpov\u00eddaj\u00edc\u00ed va\u0161im p\u0159edstav\u00e1m. Kdy\u017e budete m\u00edt jak\u00fdkoliv produktov\u00fd dotaz, nev\u00e1hejte se na n\u00e1s obr\u00e1tit na info@srovnator.cz","url":"https:\/\/www.srovnator.cz\/autori\/martin-danes\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/posts\/3728","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/comments?post=3728"}],"version-history":[{"count":1,"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/posts\/3728\/revisions"}],"predecessor-version":[{"id":9685,"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/posts\/3728\/revisions\/9685"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/media\/3729"}],"wp:attachment":[{"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/media?parent=3728"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/categories?post=3728"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.srovnator.cz\/rest_api\/wp\/v2\/tags?post=3728"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}