{"id":2085,"date":"2023-10-09T09:39:50","date_gmt":"2023-10-09T09:39:50","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=2085"},"modified":"2023-10-09T09:39:50","modified_gmt":"2023-10-09T09:39:50","slug":"prumerna-letni-skoda-z-cestovniho-pojisteni-byla-o-7-drazsi","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=2085","title":{"rendered":"Pr\u016fm\u011brn\u00e1 letn\u00ed \u0161koda z cestovn\u00edho poji\u0161t\u011bn\u00ed byla o 7 %dra\u017e\u0161\u00ed"},"content":{"rendered":"<p><strong>Leto\u0161n\u00ed letn\u00ed sez\u00f3na za\u010dala naplno u\u017e v \u010dervnu. Ten v\u0161ak nebyl z hlediska \u0161kod tak siln\u00fd jako v loni, kdy v n\u011bm bylo nahl\u00e1\u0161eno 34 % v\u0161ech letn\u00edch \u0161kod, zat\u00edmco letos jen 29 %. Pr\u016fm\u011brn\u00e1 v\u00fd\u0161e \u0161kody meziro\u010dn\u011b vzrostla o 7 % na 11 700 K\u010d.<\/strong><\/p>\n<p><!--more--><\/p>\n<p>Velk\u00fd pod\u00edl tvo\u0159ily tzv. velk\u00e9 \u0161kod nad 100 tis\u00edc K\u010d, kter\u00fdch bylo o 37 % v\u00edce. Letos i nad\u00e1le pokra\u010duje lo\u0148sk\u00fd trend masivn\u00edho n\u00e1vratu k leteck\u00fdm dovolen\u00fdm s CK do zem\u00ed na pob\u0159e\u017e\u00ed St\u0159edozemn\u00edho mo\u0159e. Poji\u0161t\u011bn\u00ed ERV Evropsk\u00e9 poji\u0161\u0165ovny vyu\u017e\u00edvaj\u00ed klienti v\u011bt\u0161iny velk\u00fdch a st\u0159edn\u00edch \u010desk\u00fdch CK.<strong>\u00a0<\/strong><\/p>\n<p>Na rozd\u00edl od lo\u0148sk\u00e9ho roku byl letos nejsiln\u011bj\u0161\u00edm m\u011bs\u00edcem z pohledu \u0161kod \u010dervenec. <em>\u201eV\u00a0\u010dervenci klienti nahl\u00e1sili 37 % v\u0161ech letn\u00edch \u0161kod,\u201c <\/em>\u0159\u00edk\u00e1 Vlastimil Divok\u00fd, mana\u017eer marketingu a komunikace ERV Evropsk\u00e9 poji\u0161\u0165ovny.<\/p>\n<p><strong>\u0160kod oproti lo\u0148sku ubylo, vzrostla v\u0161ak jejich pr\u016fm\u011brn\u00e1 v\u00fd\u0161e<\/strong><\/p>\n<p>\u0160kod z l\u00e9\u010debn\u00fdch v\u00fdloh bylo proti p\u0159edchoz\u00edmu roku o 15 % m\u00e9n\u011b. Ve srovn\u00e1n\u00ed s rokem 2019 v\u0161ak o 50 % v\u00edce. L\u00e9\u010debn\u00e9 v\u00fdlohy tvo\u0159ily zhruba t\u0159i \u010dtvrtiny v\u0161ech \u0161kod, stejn\u011b jako v letech 2022 a 2019. O cel\u00fdch 13 % (na 7.300 K\u010d) se ale meziro\u010dn\u011b zv\u00fd\u0161ila pr\u016fm\u011brn\u00e1 \u0161koda z l\u00e9\u010debn\u00fdch v\u00fdloh, co\u017e jen potvrzuje zdra\u017eov\u00e1n\u00ed l\u00e9ka\u0159sk\u00e9 p\u00e9\u010de.<\/p>\n<p>T\u00e9m\u011b\u0159 polovinu vyplacen\u00e9ho pojistn\u00e9ho pln\u011bn\u00ed p\u0159ipadlo letos v\u00a0l\u00e9t\u011b na \u0161kody ze storna. Pr\u016fm\u011brn\u00e1 v\u00fd\u0161e dos\u00e1hla \u010d\u00e1stky 29 500 K\u010d, co\u017e je o 2 % v\u00edce ne\u017e loni a o 56 % v\u00edce ne\u017e v roce 2019. \u201e<em>Mohou za to p\u0159edev\u0161\u00edm rostouc\u00ed ceny dovolen\u00fdch, ale tak\u00e9 n\u00e1kupn\u00ed chov\u00e1n\u00ed. Letos lid\u00e9 po\u0159izovali sv\u00e9 zahrani\u010dn\u00ed cesty pozd\u011bji a v\u011bt\u0161ina storen tak byla p\u00e1r dn\u00ed p\u0159ed odjezdem, tedy s vy\u0161\u0161\u00edmi stornopoplatky<\/em>,\u201c \u0159\u00edk\u00e1 Vlastimil Divok\u00fd.<\/p>\n<p><strong>Pokra\u010duje rostouc\u00ed trend velk\u00fdch \u0161kod<\/strong><\/p>\n<p>Velk\u00fdch \u0161kod s n\u00e1klady p\u0159evy\u0161uj\u00edc\u00edmi 100 000 K\u010d bylo letos o 37 % v\u00edce ne\u017e v roce 2022 a n\u00e1klady na n\u011b se zv\u00fd\u0161ily dokonce o 45 %. \u201e<em>N\u00e1klady na hospitalizaci se zv\u00fd\u0161ily natolik, \u017ee t\u00e9m\u011b\u0159 ka\u017ed\u00fd p\u0159\u00edpad, kter\u00fd vy\u017eaduje i repatriaci do \u010cR, automaticky dos\u00e1hne n\u00e1klad\u016f nad sto tis\u00edc korun. Pr\u016fm\u011brn\u00e1 velk\u00e1 \u0161koda pak vy\u0161la na 253 tis\u00edc K\u010d<\/em>,\u201c \u0159\u00edk\u00e1 Vlastimil Divok\u00fd.<\/p>\n<p><strong>Nejv\u00edce \u0161kod z Egypta, v\u00fdrazn\u00fd n\u00e1r\u016fst zaznamenalo Tunisko<\/strong><\/p>\n<p>Nejrizikov\u011bj\u0161\u00ed destinac\u00ed byl z pohledu po\u010dtu \u0161kod op\u011bt Egypt, odkud jich klienti nahl\u00e1sili z celkov\u00e9ho po\u010dtu t\u00e9m\u011b\u0159 40 %. S odstupem druh\u00e9 skon\u010dilo \u0158ecko a t\u011bsn\u011b za n\u00edm Turecko se shodn\u00fdm pod\u00edlem 17 % \u0161kod. V\u00fdrazn\u011b se pak letos zvedl po\u010det \u0161kod v Tunisku.<\/p>\n<p><strong>Druhy \u0161kod se vr\u00e1tily k\u00a0norm\u00e1lu<\/strong><\/p>\n<p>Mezi nej\u010dast\u011bj\u0161\u00ed komplikace \u010cech\u016f v zahrani\u010d\u00ed op\u011bt pat\u0159ily bronchitidy, nachlazen\u00ed, gastroenteritidy, z\u00e1n\u011bty u\u0161\u00ed a sp\u00e1leniny od slun\u00ed\u010dka.<\/p>\n<p><strong>Nejdra\u017e\u0161\u00ed letn\u00ed \u0161kody<\/strong><\/p>\n<p>Nejvy\u0161\u0161\u00ed \u0161kodu letos tvo\u0159il \u00faraz v Egypt\u011b. \u0160lo o hospitalizace klienta se zlomeninou stehenn\u00ed kosti. Jeliko\u017e byla nutn\u00e1 operace, celkov\u00e9 n\u00e1klady se vy\u0161plhaly na 1,4 mil. K\u010d. Druh\u00e1 nejdra\u017e\u0161\u00ed \u0161koda pak byla zaznamen\u00e1na u klienta v Turecku, kter\u00fd byl hospitalizov\u00e1n s respira\u010dn\u00edm selh\u00e1n\u00edm. Celkov\u00e9 n\u00e1klady u n\u011bho dos\u00e1hly \u010d\u00e1stky 1,1 mil K\u010d. \u201e<em>Z\u00e1rove\u0148 jsme evidovali 10 p\u0159\u00edpad\u016f, u kter\u00fdch n\u00e1klady \u010dinily p\u0159es 500.000 K\u010d, v\u0161echny se ud\u00e1ly ve St\u0159edozem\u00ed,<\/em>\u201c \u0159\u00edk\u00e1 Vlastimil Divok\u00fd. Samostatnou kapitolou pak byly \u0161kody v\u00a0souvislosti s po\u017e\u00e1ry v \u0158ecku. <em>\u201eCelkovou v\u00fd\u0161i n\u00e1klad\u016f na \u0161kody s nimi spojen\u00fdmi odhadujeme na 6,7 milion\u016f K\u010d,\u201c<\/em> dod\u00e1v\u00e1 Vlastimil Divok\u00fd.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Leto\u0161n\u00ed letn\u00ed sez\u00f3na za\u010dala naplno u\u017e v \u010dervnu. Ten v\u0161ak nebyl z hlediska \u0161kod tak siln\u00fd jako v loni, kdy v n\u011bm bylo nahl\u00e1\u0161eno 34 <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=2085\" title=\"Pr\u016fm\u011brn\u00e1 letn\u00ed \u0161koda z cestovn\u00edho poji\u0161t\u011bn\u00ed byla o 7 %dra\u017e\u0161\u00ed\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":439,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-2085","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\/2085","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=2085"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2085\/revisions"}],"predecessor-version":[{"id":2086,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2085\/revisions\/2086"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/439"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2085"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2085"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2085"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}