{"id":4827,"date":"2019-12-27T13:35:13","date_gmt":"2019-12-27T12:35:13","guid":{"rendered":"https:\/\/www.srovnator.cz\/clanky\/ostatni\/lyzovani-v-zahranici-nezapomente-na-pojisteni\/"},"modified":"2024-06-24T07:45:46","modified_gmt":"2024-06-24T05:45:46","slug":"lyzovani-v-zahranici-nezapomente-na-pojisteni","status":"publish","type":"post","link":"https:\/\/www.srovnator.cz\/clanky\/na-lyze-do-zahranici-bez-pojisteni\/","title":{"rendered":"Ly\u017eov\u00e1n\u00ed v zahrani\u010d\u00ed? Nezapome\u0148te na poji\u0161t\u011bn\u00ed!"},"content":{"rendered":"<p><strong>Sn\u00edh v\u011bt\u0161inu \u010desk\u00fdch ly\u017ea\u0159\u016f nech\u00e1v\u00e1 v&nbsp;nap\u00ednav\u00e9m o\u010dek\u00e1v\u00e1n\u00ed, teploty ani nenasv\u011bd\u010duj\u00ed tomu, \u017ee&nbsp;by&nbsp;skiare\u00e1ly mohly zasn\u011b\u017eovat. I&nbsp;p\u0159esto jsou n\u011bjak\u00e9 sjezdovky ji\u017e otev\u0159en\u00e9 a&nbsp;\u010dekaj\u00ed na&nbsp;svoje prvn\u00ed nad\u0161ence. Oproti minul\u00e9 zim\u011b maji silni\u010d\u00e1\u0159i je\u0161t\u011b  \u201ejarn\u00ed re\u017eim\u201c. M\u00edsto toho, aby&nbsp;solili a&nbsp;odkl\u00edzeli sn\u00edh, pro\u0159ez\u00e1vaj\u00ed v\u011btve. Mnoz\u00ed nedo\u010dkavci tak&nbsp;bal\u00ed kufry a&nbsp;p\u0159ej\u00ed\u017ed\u011bj\u00ed do&nbsp;Alp, kde&nbsp;je&nbsp;jistota sn\u011bhu zaru\u010den\u00e1, nav\u00edc je&nbsp;d\u00e9lka a&nbsp;\u0161\u00ed\u0159ka sjezdovek nesrovnateln\u00e1 s&nbsp;t\u011bmi \u010desk\u00fdmi. Nej\u010dast\u011bji jezd\u00edme do&nbsp;rakousk\u00fdch, italsk\u00fdch a&nbsp;francouzsk\u00fdch Alp. Ceny jsou t\u00e9m\u011b\u0159 srovnateln\u00e9 s&nbsp;\u010desk\u00fdmi zimn\u00edmi st\u0159edisky, tak\u017ee krom\u011b cesty nen\u00ed v\u00fdznamn\u011bj\u0161\u00ed rozd\u00edl ve&nbsp;v\u00fddaj\u00edch v&nbsp;\u010cech\u00e1ch nebo v&nbsp;alpsk\u00fdch st\u0159edisc\u00edch. Z\u00e1sadn\u00edm rozd\u00edlem je&nbsp;v\u0161ak cena o\u0161et\u0159en\u00ed v&nbsp;p\u0159\u00edpad\u011b zran\u011bn\u00ed, pokud podcen\u00edte <a href=\"\/cestovni-pojisteni\/\">poji\u0161t\u011bn\u00ed<\/a>.<\/strong><\/p>\n<img decoding=\"async\" width=\"770\" height=\"386\" src=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/a29bf66b-druhy-lyzi-770x386.jpg\" class=\" wp-post-image wp-stateless-item\" alt=\"Ly\u017eov\u00e1n\u00ed v zahrani\u010d\u00ed? Nezapome\u0148te na poji\u0161t\u011bn\u00ed!\" title=\"Ly\u017eov\u00e1n\u00ed v zahrani\u010d\u00ed? Nezapome\u0148te na poji\u0161t\u011bn\u00ed!\" srcset=\"https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/a29bf66b-druhy-lyzi-770x386.jpg 770w, https:\/\/storage.googleapis.com\/wp-resources\/srovnator.cz\/ng\/2022\/06\/a29bf66b-druhy-lyzi.jpg 1280w\" sizes=\"(max-width: 770px) 100vw, 770px\" data-image-size=\"medium\" data-stateless-media-bucket=\"wp-resources\" data-stateless-media-name=\"srovnator.cz\/ng\/2022\/06\/a29bf66b-druhy-lyzi.jpg\" \/>\n<p>Cestovn\u00ed poji\u0161t\u011bn\u00ed je&nbsp;individu\u00e1ln\u00ed pojistkou, kterou nab\u00edz\u00ed v\u011bt\u0161ina pojistitel\u016f s&nbsp;rozd\u00edly ve&nbsp;v\u00fd\u0161i limit\u016f a&nbsp;\u0161\u00ed\u0159i pokryt\u00ed poji\u0161t\u011bn\u00fdch aktivit. Pro&nbsp;ly\u017ea\u0159e je&nbsp;ide\u00e1ln\u00ed zvolit kombinaci poji\u0161t\u011bn\u00ed:<\/p>\n<ul>\n<li><strong>L\u00e9\u010debn\u00e9 v\u00fdlohy<\/strong> (p\u0159\u00edpadn\u011b \u00farazov\u00e9 poji\u0161t\u011bn\u00ed) \u2013 Limit pojistn\u00e9ho pln\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh by&nbsp;m\u011bl b\u00fdt 1,5 a\u017e 2 miliony&nbsp;K\u010d. L\u00e9\u010debn\u00e9 v\u00fdlohy by&nbsp;m\u011bly pokr\u00fdt p\u0159\u00edpadn\u00e9 n\u00e1klady na&nbsp;hospitalizaci, operaci, l\u00e9ky a&nbsp;p\u0159evoz pacienta do&nbsp;\u010cR.<\/li>\n<li><strong>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/strong>&nbsp;\u2013 Hod\u00ed se&nbsp;v&nbsp;p\u0159\u00edpad\u011b, kdy&nbsp;n\u011bkoho nedopat\u0159en\u00edm sraz\u00edte a&nbsp;zran\u00edte.<\/li>\n<li><strong>Poji\u0161t\u011bn\u00ed zavazadel<\/strong> (v\u010detn\u011b ly\u017ea\u0159sk\u00e9ho vybaven\u00ed).<\/li>\n<\/ul>\n<p>P\u0159i&nbsp;sjedn\u00e1v\u00e1n\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed si ov\u011b\u0159te, zda se&nbsp;poji\u0161t\u011bn\u00ed vztahuje na&nbsp;sport, kter\u00fd&nbsp;chcete provozovat. Rozli\u0161uj\u00ed se&nbsp;rekrea\u010dn\u00ed a&nbsp;rizikov\u00e9 sporty.<\/p>\n<h2>Na&nbsp;co&nbsp;nezapomenout:<\/h2>\n<ul>\n<li>M\u011bjte karti\u010dku poji\u0161t\u011bnce v\u017edy u&nbsp;sebe (ide\u00e1ln\u011b i&nbsp;doklady a&nbsp;platebn\u00ed kartu).<\/li>\n<li>Jste-li zran\u011bn\u00ed, volejte o&nbsp;pomoc na&nbsp;tel. \u010d\u00edslo 112 (mezin\u00e1rodn\u00ed nouzov\u00e1 linka).<\/li>\n<li>Po&nbsp;zran\u011bn\u00ed kontaktujte zdravotn\u00ed poji\u0161\u0165ovnu hned, jak to&nbsp;bude mo\u017en\u00e9.<\/li>\n<\/ul>\n<h2>Evropsk\u00fd pr\u016fkaz zdravotn\u00edho poji\u0161t\u011bn\u00ed (EHIC)<\/h2>\n<p>Pr\u016fkaz n\u00e1m v&nbsp;zem\u00edch EU a&nbsp;\u0160v\u00fdcarsku, na&nbsp;Islandu, v&nbsp;Lichten\u0161tejnsku, Norsku, Makedonii a&nbsp;Srbsku zaji\u0161\u0165uje n\u00e1rok na&nbsp;stejnou zdravotn\u00ed p\u00e9\u010di jako ob\u010dan\u016fm dan\u00e9 zem\u011b, tzn. stejn\u00e9 o\u0161et\u0159en\u00ed za&nbsp;stejn\u00fdch podm\u00ednek. I&nbsp;p\u0159esto, \u017ee&nbsp;ho m\u00e1me, hrad\u00edme v\u0161echny doplatky, poplatky a&nbsp;spolu\u00fa\u010dast stejn\u011b jako tamn\u00ed poji\u0161t\u011bnci. Pokud jsme ale p\u0159ipoji\u0161t\u011bn\u00ed v&nbsp;r\u00e1mci cestovn\u00edho poji\u0161t\u011bn\u00ed, dal\u0161\u00ed v\u00fddaje za&nbsp;n\u00e1s hrad\u00ed p\u0159\u00edslu\u0161n\u00e1 poji\u0161\u0165ovna, n\u011bkdy ale bohu\u017eel a\u017e zp\u011btn\u011b, tak\u017ee hotovost nebo platebn\u00ed kartu mus\u00edme m\u00edt st\u00e1le p\u0159i&nbsp;sob\u011b.<\/p>\n<h2>Ceny zdravotn\u00ed slu\u017eby v&nbsp;Alp\u00e1ch<\/h2>\n<p>Ceny za&nbsp;l\u00e9ka\u0159sk\u00e9 o\u0161et\u0159en\u00ed se&nbsp;mohou vy\u0161plhat k&nbsp;desetitis\u00edc\u016fm korun, kter\u00e9&nbsp;bychom mohli u\u0161et\u0159it, kdybychom investovali p\u00e1r des\u00edtek korun do&nbsp;cestovn\u00edho poji\u0161t\u011bn\u00ed.<\/p>\n<ul>\n<li>Z\u00e1sah horsk\u00e9 slu\u017eby: cca 10&nbsp;000&nbsp;K\u010d<\/li>\n<li>Pobyt v&nbsp;nemocnici: 15&nbsp;000 a\u017e 20&nbsp;000&nbsp;K\u010d\/den<\/li>\n<li>Transfer sanitkou z&nbsp;Alp do&nbsp;\u010cR:&nbsp;cca 25&nbsp;000&nbsp;K\u010d<\/li>\n<li>Transport helikopt\u00e9rou z&nbsp;Alp do&nbsp;\u010cR:&nbsp;30&nbsp;000 a\u017e 130&nbsp;000&nbsp;K\u010d<\/li>\n<li>Zran\u011bn\u00ed zahrani\u010dn\u00edho ly\u017ea\u0159e: 560&nbsp;000 a\u017e 2&nbsp;800&nbsp;000&nbsp;K\u010d<\/li>\n<li>Operace komplikovan\u00e9 nebo otev\u0159en\u00e9 zlomeniny: cca 400 000&nbsp;K\u010d<\/li>\n<li>Ambulantn\u00ed o\u0161et\u0159en\u00ed zlomen\u00e9 ruky (s n\u00e1slednou operac\u00ed v&nbsp;\u010cR): 28 000&nbsp;K\u010d<\/li>\n<\/ul>\n<p><em>(Zdroj \u010cPP&nbsp;&#8211; \u010cesk\u00e1 podnikatelsk\u00e1 poji\u0161\u0165ovna, ERV&nbsp;&#8211; tiskov\u00e1 zpr\u00e1va Evropsk\u00e9 poji\u0161\u0165ovny)<\/em><\/p>\n<h2>Prevence p\u0159ed&nbsp;\u00farazy<\/h2>\n<p>Chyst\u00e1te-li se&nbsp;do&nbsp;Alp, nezapome\u0148te na&nbsp;vy\u0161\u0161\u00ed nadmo\u0159skou v\u00fd\u0161ku, kter\u00e1&nbsp;m\u016f\u017ee p\u016fsobit probl\u00e9my kardiak\u016fm nebo jedinc\u016fm s&nbsp;nadv\u00e1hou. P\u0159i&nbsp;sjezdu noste helmu i&nbsp;p\u0159esto, \u017ee&nbsp;nen\u00ed u&nbsp;dosp\u011bl\u00fdch povinn\u00e1. Mezi nej\u010dast\u011bj\u0161\u00ed \u00farazy na&nbsp;ly\u017e\u00edch pat\u0159\u00ed zlomeniny stehenn\u00ed nebo holenn\u00ed kosti, \u00farazy menisku nebo kolenn\u00edch vaz\u016f. Snowboardist\u016fm hroz\u00ed zlomenina pa\u017ee, vyklouben\u00ed ramene, zran\u011bn\u00ed z\u00e1p\u011bst\u00ed apod. Krom\u011b helmy tak&nbsp;nepodce\u0148ujte i&nbsp;dal\u0161\u00ed ochrann\u00e9 prvky v\u010detn\u011b chr\u00e1ni\u010de p\u00e1te\u0159e.<\/p>\n<p>Nespol\u00e9hejte pouze na&nbsp;cestovn\u00ed poji\u0161t\u011bn\u00ed k&nbsp;platebn\u00ed kart\u011b, ke&nbsp;kter\u00e9&nbsp;jsou nastaven\u00e9 limity obvykle ni\u017e\u0161\u00ed, ne\u017e u&nbsp;klasick\u00e9ho poji\u0161t\u011bn\u00ed. Komplexn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed v\u010detn\u011b poji\u0161t\u011bn\u00ed odpov\u011bdnosti a&nbsp;zavazadel stoj\u00ed v&nbsp;z\u00e1vislosti na&nbsp;poji\u0161\u0165ovn\u011b cca <strong>30 a\u017e 80&nbsp;K\u010d\/den<\/strong> (v p\u0159\u00edpad\u011b poji\u0161t\u011bn\u00ed vozidla v\u010detn\u011b n\u00e1hrady za&nbsp;n\u011bj s&nbsp;epoji\u0161t\u011bn\u00ed m\u016f\u017ee vy\u0161plhat a\u017e na&nbsp;<strong>300 a\u017e 400&nbsp;K\u010d\/den<\/strong>. Za&nbsp;rizikov\u00e9 sporty (san\u011b, boby, j\u00edzda na&nbsp;sn\u011b\u017en\u00e9m sk\u00fatru, skialpinismus) si mus\u00edte p\u00e1r des\u00edtek korun <a href=\"\/cestovni-pojisteni\/kalkulacka\/#kalkulacka\">p\u0159iplatit<\/a> (cca 50&nbsp;K\u010d\/den).<\/p>\n<p>Poji\u0161\u0165ovny po\u010d\u00edtaj\u00ed i&nbsp;s&nbsp;milovn\u00edky freeridu, mus\u00edte v\u0161ak jezdit po&nbsp;vyzna\u010den\u00fdch trat\u00edch pro&nbsp;freeride, v&nbsp;opa\u010dn\u00e9m p\u0159\u00edpad\u011b by&nbsp;poji\u0161\u0165ovna pojistn\u00e9 nemusela proplatit, stejn\u011b tak, jako kdy\u017e&nbsp;k&nbsp;nehod\u011b dojde pod&nbsp;vlivem alkoholu nebo n\u00e1vykov\u00fdch l\u00e1tek.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chyst\u00e1te se po v\u00e1no\u010dn\u00edch sv\u00e1tc\u00edch na ly\u017ee do Alp? P\u0159i balen\u00ed byste nem\u011bli zapomenout ani na cestovn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n","protected":false},"author":5,"featured_media":4451,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[539,380,607],"class_list":["post-4827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cestovni-pojisteni","tag-cestovani","tag-cestovni-pojisteni","tag-lyzovani"],"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":"","page_post_meta_bread_child":"","page_post_meta_script_head":"","page_post_meta_leaving_screen":"cat"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Na ly\u017ee do zahrani\u010d\u00ed bez poji\u0161t\u011bn\u00ed? 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