{"id":1810,"date":"2023-08-11T07:44:36","date_gmt":"2023-08-11T07:44:36","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1810"},"modified":"2023-08-11T07:48:30","modified_gmt":"2023-08-11T07:48:30","slug":"uniqa-pozor-na-vyluky-z-cestovniho-pojisteni","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1810","title":{"rendered":"UNIQA: Pozor na v\u00fdluky z cestovn\u00edho poji\u0161t\u011bn\u00ed"},"content":{"rendered":"

Cestovn\u00ed poji\u0161t\u011bn\u00ed do zahrani\u010d\u00ed je dnes pro v\u011bt\u0161inu samoz\u0159ejmost\u00ed. Kdo ho nem\u00e1, riskuje v\u00a0p\u0159\u00edpad\u011b zdravotn\u00edch nebo jin\u00fdch komplikac\u00ed vysok\u00e9 v\u00fddaje z\u00a0vlastn\u00ed kapsy. <\/strong><\/p>\n

P\u0159esto je t\u0159eba myslet i na to, \u017ee cestovn\u00ed poji\u0161t\u011bn\u00ed slou\u017e\u00ed pro nahodil\u00e9 ud\u00e1losti kryt\u00e9 ve smlouv\u011b, nikoli pro takov\u00e9, na jejich\u017e vzniku se klient v\u011bdom\u011b pod\u00edl\u00ed, p\u0159\u00edpadn\u011b jdou nad r\u00e1mec b\u011b\u017en\u00e9ho sjednan\u00e9ho kryt\u00ed.\u00a0<\/strong><\/p>\n

Nastane-li takov\u00e1 situace, m\u016f\u017ee b\u00fdt probl\u00e9m s\u00a0v\u00fdplatou pojistn\u00e9ho pln\u011bn\u00ed. UNIQA proto chce transparentn\u011b upozornit na hlavn\u00ed p\u0159\u00edpady v\u00fdluk z\u00a0poji\u0161t\u011bn\u00ed, s\u00a0nimi\u017e se v\u00a0praxi setk\u00e1v\u00e1, aby se z\u00e1kazn\u00edci vyhnuli nep\u0159\u00edjemn\u00fdm zji\u0161t\u011bn\u00edm a pot\u00ed\u017e\u00edm.<\/p>\n

Alkohol a n\u00e1vykov\u00e9 l\u00e1tky<\/strong><\/p>\n

Po\u017eit\u00ed alkoholu \u010di n\u00e1vykov\u00fdch l\u00e1tek m\u00e1 na pojistn\u00e9 pln\u011bn\u00ed p\u0159i pojistn\u00e9 ud\u00e1losti z\u00e1sadn\u00ed vliv. Pokud toti\u017e ud\u00e1lost nastane v p\u0159\u00ed\u010dinn\u00e9 souvislosti (po\u017eit\u00ed zp\u016fsobilo jej\u00ed vznik, pop\u0159\u00edpad\u011b zv\u011bt\u0161ilo vzniklou \u0161kodu), m\u016f\u017ee doj\u00edt k podstatn\u00e9mu sn\u00ed\u017een\u00ed \u010di zam\u00edtnut\u00ed v\u00fdplaty pojistn\u00e9ho pln\u011bn\u00ed (podle m\u00edry vlivu). Jde o poru\u0161en\u00ed z\u00e1kladn\u00ed preventivn\u00ed povinnosti klienta stanoven\u00e9 v pojistn\u00fdch podm\u00ednk\u00e1ch. Poji\u0161\u0165ovna postupuje v souladu s dolo\u017een\u00fdmi fakty (nap\u0159\u00edklad z l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy, policejn\u00edho z\u00e1znamu o ud\u00e1losti, pop\u0159\u00edpad\u011b pitevn\u00ed zpr\u00e1vy apod.).<\/p>\n

\u201eBohu\u017eel jsme za\u017eili \u0159adu nep\u0159\u00edjemn\u00fdch situac\u00ed, kdy jsme byli nuceni odm\u00edtnout v\u00fdplatu pojistn\u00e9ho pln\u011bn\u00ed. Stalo se tak nap\u0159\u00edklad v\u00a0souvislosti s\u00a0utonut\u00edm klienta v\u00a0mo\u0159i b\u011bhem no\u010dn\u00edho ve\u010d\u00edrku na pl\u00e1\u017ei po velk\u00e9 konzumaci alkoholu, anebo s\u00a0p\u00e1dem turisty z\u00a0v\u00fd\u0161ky v\u00a0dob\u011b, kdy byl pod vlivem omamn\u00fdch l\u00e1tek v\u00a0zemi, kde jsou b\u011b\u017en\u011b dostupn\u00e9. Takov\u00e9 pr\u00e1zdninov\u00e9 z\u00e1\u017eitky bohu\u017eel mohou skon\u010dit tragicky, a nav\u00edc i opr\u00e1vn\u011bn\u00fdm odep\u0159en\u00edm pojistn\u00e9ho pln\u011bn\u00ed,\u201c <\/em>varuje Eva Trajboldov\u00e1, mana\u017eerka poji\u0161t\u011bn\u00ed osob UNIQA poji\u0161\u0165ovny.<\/p>\n

Aktivity s\u00a0vysokou m\u00edrou rizika<\/strong><\/p>\n

B\u011b\u017en\u00fd rekrea\u010dn\u00ed sport je v\u00a0r\u00e1mci cestovn\u00edho poji\u0161t\u011bn\u00ed UNIQA kryt\u00fd. Tak\u00e9 z\u00e1\u017eitkov\u00e9 aktivity, jak\u00e9 si \u010dlov\u011bk fakultativn\u011b zakoup\u00ed v\u00a0dovolenkov\u00e9 destinaci u odborn\u00e9 certifikovan\u00e9 firmy, jako nap\u0159\u00edklad j\u00edzda na ban\u00e1nu nebo vodn\u00edm sk\u00fatru \u010di vodn\u00ed ly\u017ee. Pokud jsou v\u0161ak adrenalin nebo rizikov\u00e9 sporty hlavn\u00edm \u00fa\u010delem cesty, je zapot\u0159eb\u00ed se na n\u011b p\u0159ipojistit. K\u00a0takov\u00fdm pat\u0159\u00ed v\u00fdpravy do hor s\u00a0nadmo\u0159skou v\u00fd\u0161kou nad 3\u00a0000 m, t\u011b\u017e\u0161\u00ed trasy via ferrata, rafting na obt\u00ed\u017en\u011b sj\u00edzdn\u00fdch \u0159ek\u00e1ch, p\u0159\u00edstrojov\u00e9 pot\u00e1p\u011bn\u00ed, zaoce\u00e1nsk\u00fd jachting, jesky\u0148\u00e1\u0159stv\u00ed, d\u00e1lkov\u00e9 plav\u00e1n\u00ed, paragliding apod. Pojistn\u00e1 ochrana pro takov\u00e9 rizikov\u00e9 aktivity vy\u017eaduje speci\u00e1ln\u00ed p\u0159ipoji\u0161t\u011bn\u00ed se specifikac\u00ed konkr\u00e9tn\u00ed \u010dinnosti, samoz\u0159ejm\u011b proti p\u0159ir\u00e1\u017ece.<\/p>\n

Z\u00a0pojistn\u00e9 ochrany jsou v\u017edy vylou\u010deny sout\u011b\u017ee, z\u00e1vody a tr\u00e9ninkov\u00e1 p\u0159\u00edprava na n\u011b.<\/p>\n

Chronick\u00e9 nemoci, t\u011bhotenstv\u00ed<\/strong><\/p>\n

Ka\u017ed\u00fd by m\u011bl preventivn\u011b db\u00e1t na to, aby zahrani\u010dn\u00ed cestou neohrozil sv\u016fj zdravotn\u00ed stav. Pokud trp\u00ed trvalej\u0161\u00edmi nebo dlouhodob\u00fdmi pot\u00ed\u017eemi, mus\u00ed tento fakt p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed uv\u00e9st. Poji\u0161\u0165ovna zv\u00e1\u017e\u00ed, zda ho m\u016f\u017ee pojistit a za jak\u00fdch podm\u00ednek. P\u0159i \u0161et\u0159en\u00ed vznikl\u00e9 \u0161kody poji\u0161\u0165ovna obvykle zji\u0161\u0165uje, jak\u00fd byl zdravotn\u00ed stav klienta p\u0159ed cestou. Zjist\u00ed-li, \u017ee uveden\u00e9 obt\u00ed\u017ee ji\u017e m\u011bl, pop\u0159. trp\u011bl chronick\u00fdmi probl\u00e9my, ani\u017e by o tom p\u0159i uzav\u00edr\u00e1n\u00ed poji\u0161t\u011bn\u00ed informoval, m\u00e1 pr\u00e1vo sv\u00e9 pojistn\u00e9 pln\u011bn\u00ed p\u0159im\u011b\u0159en\u011b kr\u00e1tit.<\/p>\n

Sv\u00e1 omezen\u00ed m\u00e1 i cestovn\u00ed poji\u0161t\u011bn\u00ed pro t\u011bhotn\u00e9 \u017eeny. Obecn\u011b lze sjednat poji\u0161t\u011bn\u00ed do zahrani\u010d\u00ed jen do 26. t\u00fddne t\u011bhotenstv\u00ed. Sou\u010dasn\u011b plat\u00ed, \u017ee pln\u011bn\u00ed z\u00a0poji\u0161t\u011bn\u00ed se nevztahuje na chronick\u00e1 rizika s\u00a0t\u011bhotenstv\u00edm spojen\u00e1 nebo souvisej\u00edc\u00ed, je\u017e byla zn\u00e1ma u\u017e p\u0159ed odjezdem do ciziny.<\/p>\n

Odpov\u011bdnost za \u0161kodu na p\u016fj\u010den\u00e9m aut\u011b nebo jacht\u011b<\/strong><\/p>\n

P\u016fj\u010d\u00ed-li si (najme-li si) rekreant na dovolen\u00e9 auto, sk\u00fatr \u010di plachetnici, m\u011bl by se zaj\u00edmat, zda sou\u010d\u00e1st\u00ed p\u016fj\u010dovn\u00e9ho je i poji\u0161t\u011bn\u00ed na \u0161kody a \u00fajmu na zdrav\u00ed zp\u016fsoben\u00e9 t\u011bmito prost\u0159edky t\u0159et\u00edm osob\u00e1m (poji\u0161t\u011bn\u00ed odpov\u011bdnosti za provoz vozidla\/plavidla). Toto kryt\u00ed nen\u00ed sou\u010d\u00e1st\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti v\u00a0r\u00e1mci komplexn\u00edho cestovn\u00edho poji\u0161t\u011bn\u00ed.<\/p>\n

Nab\u00edz\u00ed-li p\u016fj\u010dovna poji\u0161t\u011bn\u00ed v\u00a0r\u00e1mci ceny, je u\u017eite\u010dn\u00e9 si zjistit spolu\u00fa\u010dast a vymezen\u00ed tras\/komunikac\u00ed, kde se lze pohybovat. A tak\u00e9 zda se mohou \u0159idi\u010di st\u0159\u00eddat a za jak\u00fdch podm\u00ednek.<\/p>\n

Sou\u010dasn\u011b nekryje cestovn\u00ed poji\u0161t\u011bn\u00ed ani \u0161kody, kter\u00e9 rekreant zp\u016fsob\u00ed na zap\u016fj\u010den\u00fdch vozidlech \u010di plavidlech. Ani na tyto \u0161kody se cestovn\u00ed poji\u0161t\u011bn\u00ed nevztahuje, jsou ve v\u00fdluk\u00e1ch. V\u00a0p\u0159\u00edpad\u011b pot\u0159eby je nutn\u00e9 sjednat speci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed (nap\u0159\u00edklad poji\u0161t\u011bn\u00ed kauce).<\/p>\n

Mazl\u00ed\u010dek na dovolen\u00e9<\/strong><\/p>\n

Z\u00a0b\u011b\u017en\u00e9ho cestovn\u00edho poji\u0161t\u011bn\u00ed pro turisty nelze n\u00e1rokovat \u00fahrady uskute\u010dn\u011bn\u00e9 kv\u016fli spolucestuj\u00edc\u00edm ps\u016fm, a to ani z\u00a0rodinn\u00e9ho tarifu.<\/p>\n

Zv\u00ed\u0159ata je nutn\u00e9 pojistit na cestu zvl\u00e1\u0161\u0165. Z\u00a0jejich cestovn\u00edho poji\u0161t\u011bn\u00ed lze uplatnit n\u00e1klady na akutn\u00ed zdravotn\u00ed p\u00e9\u010di v\u00a0zahrani\u010d\u00ed vznikl\u00e9 po \u00farazu nebo onemocn\u011bn\u00edm, p\u0159\u00edpadn\u011b odpov\u011bdnostn\u00ed n\u00e1roky t\u0159et\u00edch osob za \u0161kody a \u00fajmu na zdrav\u00ed, kterou pes zp\u016fsobil.<\/p>\n

Tyto n\u00e1roky na n\u00e1hradu \u0161kody lze na \u00fazem\u00ed Evropy zpravidla vypo\u0159\u00e1dat i z\u00a0platn\u00e9ho poji\u0161t\u011bn\u00ed dom\u00e1cnosti.<\/p>\n

P\u0159ipoji\u0161t\u011bn\u00ed storna <\/strong><\/p>\n

K\u00a0cestovn\u00edmu poji\u0161t\u011bn\u00ed lze sjednat p\u0159ipoji\u0161t\u011bn\u00ed storna cesty, a to jak individu\u00e1ln\u00ed, tak i organizovan\u00e9. Mus\u00ed b\u00fdt uzav\u0159eno nejpozd\u011bji do 24 hodin po zakoupen\u00ed cestovn\u00edch slu\u017eeb nebo z\u00e1jezdu, jinak je neplatn\u00e9. V\u010dasnost koup\u011b p\u0159ipoji\u0161t\u011bn\u00ed storna k\u00a0cestovn\u00edmu poji\u0161t\u011bn\u00ed je v\u00a0p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti t\u0159eba dolo\u017eit.<\/p>\n

\u201ePojistn\u00e9 podm\u00ednky p\u0159itom taxativn\u011b vymezuj\u00ed, na jak\u00e9 situace se p\u0159ipoji\u0161t\u011bn\u00ed storna vztahuje. Z\u00e1kladn\u00edmi ud\u00e1lostmi jsou onemocn\u011bn\u00ed, \u00faraz, \u00famrt\u00ed v\u00a0rodin\u011b, neodkladn\u00e1 p\u00e9\u010de o d\u011bti, dom\u00e1c\u00ed zv\u00ed\u0159e \u010di mazl\u00ed\u010dka, kv\u016fli nim\u017e se neo\u010dek\u00e1van\u011b nem\u016f\u017eeme vzd\u00e1lit. D\u00e1le kryje p\u0159ipoji\u0161t\u011bn\u00ed nap\u0159\u00edklad neo\u010dek\u00e1van\u00e9 p\u0159edvol\u00e1n\u00ed p\u0159ed soud, poh\u0159eb bl\u00edzk\u00e9 osoby apod. UNIQA nav\u00edc p\u0159id\u00e1v\u00e1 tzv. vztahov\u00e9 situace, jako je zru\u0161en\u00ed svatby a svatebn\u00ed cesty nebo rozvod. Krom\u011b toho lze uplatnit p\u0159ipoji\u0161t\u011bn\u00ed storna v\u00a0UNIQA i kv\u016fli neslo\u017een\u00ed z\u00e1v\u011bre\u010dn\u00e9 zkou\u0161ky, jako jsou st\u00e1tnice \u010di maturita,\u201c <\/em>vyjmenov\u00e1v\u00e1 mo\u017en\u00e9 pojistn\u00e9 ud\u00e1losti Eva Trajboldov\u00e1.<\/p>\n

Ofici\u00e1ln\u011b \u201enedoporu\u010den\u00e9\u201c zem\u011b k\u00a0cestov\u00e1n\u00ed<\/strong><\/p>\n

Na webu Ministerstva zahrani\u010dn\u00edch v\u011bc\u00ed je pravideln\u011b aktualizovan\u00fd p\u0159ehled v\u0161ech st\u00e1t\u016f sv\u011bta a po\u017eadavk\u016f kladen\u00fdch na osoby, kter\u00e9 tam cht\u011bj\u00ed cestovat. Sou\u010dasn\u011b je tam uvedeno, do kter\u00fdch vl\u00e1da \u010cR ofici\u00e1ln\u011b d\u016frazn\u011b nedoporu\u010duje \u010di zakazuje cestovat \u2013 a\u0165 u\u017e kv\u016fli ozbrojen\u00e9mu konfliktu, p\u0159\u00edrodn\u00ed kalamit\u011b \u010di epidemii. Cestovn\u00ed poji\u0161t\u011bn\u00ed respektuje tato pravidla a v \u201enedoporu\u010den\u00fdch\u201c vysoce rizikov\u00fdch zem\u00edch neposkytuje pojistnou ochranu.\u00a0<\/strong><\/p>\n

Upozorn\u011bn\u00ed nakonec: poji\u0161t\u011bn\u00ed sjednan\u00e9 a\u017e ze zahrani\u010d\u00ed<\/strong><\/p>\n

N\u011bkdy se stane, \u017ee \u010dlov\u011bk v\u00a0p\u0159edodjezdov\u00e9m zmatku zapomene cestovn\u00ed poji\u0161t\u011bn\u00ed sjednat a vzpomene si na n\u011bj a\u017e za hranicemi. Samoz\u0159ejm\u011b lze ho uzav\u0159\u00edt i dodate\u010dn\u011b z\u00a0ciziny, je t\u0159eba ale po\u010d\u00edtat s\u00a0t\u00edm, \u017ee poji\u0161\u0165ovny v\u00a0takov\u00e9m p\u0159\u00edpad\u011b maj\u00ed v\u00a0pojistn\u00fdch podm\u00ednk\u00e1ch ustanoven\u00ed o \u010dekac\u00ed dob\u011b 7 dn\u00ed od okam\u017eiku vzniku (zaplacen\u00ed) poji\u0161t\u011bn\u00ed. Stane-li se n\u011bco v\u00a0mezidob\u00ed, poji\u0161\u0165ovna za \u0161kody pojistn\u00e9 pln\u011bn\u00ed nevyplat\u00ed. Jedinou v\u00fdjimku tvo\u0159\u00ed p\u0159\u00edpad prodlou\u017een\u00ed pobytu, kdy nov\u00e9 cestovn\u00ed poji\u0161t\u011bn\u00ed pro dal\u0161\u00ed dny sjednan\u00e9 v\u00a0zahrani\u010d\u00ed navazuje p\u0159esn\u011b na dosavadn\u00ed dobu platnosti cestovn\u00edho poji\u0161t\u011bn\u00ed UNIQA.<\/p>\n","protected":false},"excerpt":{"rendered":"

Cestovn\u00ed poji\u0161t\u011bn\u00ed do zahrani\u010d\u00ed je dnes pro v\u011bt\u0161inu samoz\u0159ejmost\u00ed. Kdo ho nem\u00e1, riskuje v\u00a0p\u0159\u00edpad\u011b zdravotn\u00edch nebo jin\u00fdch komplikac\u00ed vysok\u00e9 v\u00fddaje z\u00a0vlastn\u00ed kapsy.<\/p>\n<\/div>","protected":false},"author":2,"featured_media":416,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-1810","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojistovny"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1810","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1810"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1810\/revisions"}],"predecessor-version":[{"id":1811,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1810\/revisions\/1811"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/416"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1810"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1810"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1810"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}