{"id":2136,"date":"2023-10-24T18:34:06","date_gmt":"2023-10-24T18:34:06","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=2136"},"modified":"2023-10-24T18:34:06","modified_gmt":"2023-10-24T18:34:06","slug":"uniqa-se-vraci-ke-cestovnimu-pojisteni-cizincu","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=2136","title":{"rendered":"UNIQA se vrac\u00ed ke cestovn\u00edmu poji\u0161t\u011bn\u00ed cizinc\u016f"},"content":{"rendered":"<p><strong>Na z\u00e1klad\u011b novely z\u00e1kona o pobytu cizinc\u016f na \u00fazem\u00ed \u010cR a novely z\u00e1kona o ve\u0159ejn\u00e9m zdravotn\u00edm poji\u0161t\u011bn\u00ed obnovila UNIQA sv\u00e9 aktivity v\u00a0cestovn\u00edm poji\u0161t\u011bn\u00ed cizinc\u016f ze zem\u00ed mimo EU na \u00fazem\u00ed \u010cesk\u00e9 republiky. <\/strong><!--more--><\/p>\n<p>Od \u0159\u00edjna nab\u00edz\u00ed pojistn\u00e9 programy jak nutn\u00e9 a neodkladn\u00e9 p\u00e9\u010de, tak i komplexn\u00ed formu zdravotn\u00ed p\u00e9\u010de.<\/p>\n<p><strong>Co se zm\u011bnilo<\/strong><\/p>\n<p>Novely z\u00e1kona p\u0159inesly n\u011bkolik z\u00e1sadn\u00edch zm\u011bn. P\u0159edev\u0161\u00edm byl zru\u0161en monopol jedn\u00e9 poji\u0161\u0165ovny, kter\u00e1 mohla v\u00a0n\u011bkolika uplynul\u00fdch letech poji\u0161t\u011bn\u00ed cizinc\u016fm nab\u00edzet. Trh se tak vrac\u00ed ke zdrav\u00e9 sout\u011b\u017ei. P\u0159i pobytu cizince ze zem\u011b mimo EU v\u00a0d\u00e9lce nad 90 dn\u016f se zv\u00fd\u0161il limit pln\u011bn\u00ed na jednu pojistnou ud\u00e1lost na 400\u00a0000 EUR (v minulosti 60\u00a0000 EUR). \u00dapravami pro\u0161la i informa\u010dn\u00ed povinnost poji\u0161\u0165oven \u2013 ty mus\u00ed na sv\u00fdch webech publikovat vzor pojistn\u00e9 smlouvy a pojistn\u00e9 podm\u00ednky. A kone\u010dn\u011b vznikne Registr zdravotn\u00edho poji\u0161t\u011bn\u00ed cizinc\u016f veden\u00fd v\u00a0\u010cesk\u00e9 kancel\u00e1\u0159i pojistitel\u016f, kam mus\u00ed poji\u0161\u0165ovna p\u0159ed\u00e1vat data o sjednan\u00fdch poji\u0161t\u011bn\u00edch do 24 hodin. Jde o m\u00edsto, kde bude provedena identifikace poji\u0161t\u011bn\u00fdch cizinc\u016f a \u00fadaje o jejich kryt\u00ed a kde bude mo\u017en\u00e9 z\u00edskat informace. Ty budou p\u0159\u00edstupn\u00e9 jak policii, tak i zdravotnick\u00fdm za\u0159\u00edzen\u00edm.<\/p>\n<p><strong>Nab\u00eddka UNIQA <\/strong><\/p>\n<p>Pro cizince jsou v\u00a0UNIQA k\u00a0dispozici dva z\u00e1kladn\u00ed programy \u2013 <strong>Nutn\u00e1 a neodkladn\u00e1 p\u00e9\u010de <\/strong>a <strong>Komplexn\u00ed p\u00e9\u010de.<\/strong> Druh\u00fd jmenovan\u00fd mus\u00ed b\u00fdt sjedn\u00e1n v\u017edy, pokud cizinec pob\u00fdv\u00e1 v\u00a0\u010cR v\u00edce ne\u017e 90 dn\u016f. Samoz\u0159ejm\u011b v\u0161ak lze sjednat tento \u0161ir\u0161\u00ed rozsah i p\u0159i kr\u00e1tkodob\u00e9m pobytu, i kdy\u017e v\u00a0takov\u00e9m p\u0159\u00edpad\u011b je p\u0159edepsan\u00e9 poji\u0161t\u011bn\u00ed nutn\u00e9 a neodkladn\u00e9 p\u00e9\u010de.<\/p>\n<p>Poji\u0161t\u011bn\u00ed vznik\u00e1 zaplacen\u00edm pojistn\u00e9ho. Pojistit nelze osoby trp\u00edc\u00ed u\u017e p\u0159edchoz\u00ed velmi z\u00e1va\u017enou diagn\u00f3zou (nap\u0159\u00edklad AIDS, TBC, z\u00e1vislost\u00ed r\u016fzn\u00e9ho druhu, cirh\u00f3zou jater apod.).<\/p>\n<p><strong>Nutn\u00e1 a neodkladn\u00e1 p\u00e9\u010de UNIQA zahrnuje tato pln\u011bn\u00ed:<\/strong><\/p>\n<ul>\n<li>Nezbytn\u00e1 p\u00e9\u010de zdravotn\u00ed pohotovosti a z\u00e1chrann\u00e9 slu\u017eby<\/li>\n<li>L\u00e9ka\u0159em indikovan\u00e1 p\u0159eprava do nejbli\u017e\u0161\u00edho odborn\u011b p\u0159\u00edslu\u0161n\u00e9ho zdravotnick\u00e9ho za\u0159\u00edzen\u00ed<\/li>\n<li>Stanoven\u00ed diagn\u00f3zy a l\u00e9\u010debn\u00e9ho postupu v\u010detn\u011b nezbytn\u00fdch vy\u0161et\u0159en\u00ed<\/li>\n<li>Nutn\u00e9 a neodkladn\u00e9 zdravotn\u00ed v\u00fdkony v\u010detn\u011b nezbytn\u00fdch l\u00e9k\u016f a zdravotnick\u00e9ho materi\u00e1lu<\/li>\n<li>Pot\u0159ebn\u00e1 hospitalizace po dobu nezbytn\u011b nutnou, a to maxim\u00e1ln\u011b v\u00a0rozsahu nutn\u00e9 a neodkladn\u00e9 p\u00e9\u010de hrazen\u00e9 z\u00a0ve\u0159ejn\u00e9ho zdravotn\u00edho poji\u0161t\u011bn\u00ed v\u00a0\u010cR<\/li>\n<li>Celkov\u00fd limit na jednu pojistnou ud\u00e1lost je 60 000 EUR<\/li>\n<\/ul>\n<p><strong>Komplexn\u00ed p\u00e9\u010de UNIQA zahrnuje tato pln\u011bn\u00ed:<\/strong><\/p>\n<ul>\n<li>Ambulantn\u00ed a \u00fastavn\u00ed l\u00e9\u010debn\u00e1 p\u00e9\u010de v\u010detn\u011b diagnostick\u00e9 p\u00e9\u010de<\/li>\n<li>P\u00e9\u010de preventivn\u00ed<\/li>\n<li>P\u00e9\u010de dispenz\u00e1rn\u00ed (dlouhodob\u00e9 l\u00e9ka\u0159sk\u00e9 sledov\u00e1n\u00ed osob s\u00a0rizikem z\u00e1va\u017en\u00e9 diagn\u00f3zy s\u00a0preventivn\u00ed p\u00e9\u010d\u00ed)<\/li>\n<li>Pohotovostn\u00ed a z\u00e1chrann\u00e1 slu\u017eba<\/li>\n<li>Poskytov\u00e1n\u00ed l\u00e9k\u016f<\/li>\n<li>Doprava nemocn\u00fdch<\/li>\n<li>Repatriace poji\u0161t\u011bn\u00e9ho nebo jeho t\u011blesn\u00fdch ostatk\u016f<\/li>\n<li>Celkov\u00fd limit na jednu pojistnou ud\u00e1lost je 400 000 EUR<\/li>\n<\/ul>\n<p>V\u00a0r\u00e1mci t\u011bchto dvou z\u00e1kladn\u00edch program\u016f m\u00e1 UNIQA p\u0159ipraven\u00e9 tyto <strong>tarify<\/strong>:<\/p>\n<ul>\n<li><strong>BASIC<\/strong> \u2013 Nutn\u00e1 a neodkladn\u00e1 p\u00e9\u010de<\/li>\n<li><strong>KOMPLEX<\/strong> \u2013 Komplexn\u00ed zdravotn\u00ed p\u00e9\u010de<\/li>\n<li><strong>KOMPLEX+<\/strong> &#8211; Komplexn\u00ed zdravotn\u00ed p\u00e9\u010de ur\u010den\u00e1 pro klienty, kte\u0159\u00ed se \u00fa\u010dastn\u00ed n\u011bjak\u00fdch sportovn\u00edch sout\u011b\u017e\u00ed a p\u0159\u00edpravy na n\u011b nebo pro profesion\u00e1ln\u00ed sportovce<\/li>\n<li><strong>KOMPLEX2<\/strong> \u2013 Komplexn\u00ed zdravotn\u00ed p\u00e9\u010de ur\u010den\u00e1 pro \u017eeny, kter\u00e9 uva\u017euj\u00ed o t\u011bhotenstv\u00ed a porodu d\u00edt\u011bte. D\u00edt\u011bti je po dobu a\u017e 14 dn\u00ed po porodu hrazena p\u00e9\u010de z poji\u0161t\u011bn\u00ed matky. N\u00e1sledn\u011b mu mus\u00ed rodi\u010de sjednat samostatn\u00e9 komer\u010dn\u00ed poji\u0161t\u011bn\u00ed nebo od 1.1.2024 budou n\u011bkter\u00e9 d\u011bti \u00fa\u010dastn\u00edky ve\u0159ejn\u00e9ho zdravotn\u00edho poji\u0161t\u011bn\u00ed.<\/li>\n<\/ul>\n<p>V\u00a0minulosti p\u0159ed vznikem monopolu sjedn\u00e1vala UNIQA ro\u010dn\u011b n\u011bkolik tis\u00edc smluv poji\u0161t\u011bn\u00ed cizinc\u016f. Celkov\u00e9 pojistn\u00e9 \u010dinilo ro\u010dn\u011b okolo 80 milion\u016f korun. Pojistn\u00e9 nyn\u00ed o n\u011bco vzrostlo vzhledem k\u00a0vy\u0161\u0161\u00edm limit\u016fm a roz\u0161\u00ed\u0159en\u00ed okruhu pln\u011bn\u00ed z\u00a0poji\u0161t\u011bn\u00ed. Nap\u0159\u00edklad se v\u00a0z\u00e1kladn\u00edm programu navy\u0161uje po\u010det preventivn\u00edch prohl\u00eddek u d\u011bt\u00ed, pos\u00edl\u00ed o\u010dkov\u00e1n\u00ed cizinc\u016f. Klienti budou moci vyu\u017e\u00edvat nov\u011b mobiln\u00ed aplikaci k\u00a0prediagnostice formou telemedic\u00edny v\u00a0r\u016fzn\u00fdch jazyc\u00edch.<\/p>\n<p>K\u00a0cestovn\u00edmu poji\u0161t\u011bn\u00ed cizinc\u016f je mo\u017en\u00e9 uzav\u0159\u00edt <strong>p\u0159ipoji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/strong>, kter\u00e9 kryje ne\u00famysln\u011b zp\u016fsobenou \u0161kodu na majetku nebo \u00fajmu na zdrav\u00ed jin\u00e9 osoby v\u00a0b\u011b\u017en\u00e9m ob\u010dansk\u00e9m \u017eivot\u011b.<\/p>\n<p><strong>Hlavn\u00ed benefity poji\u0161t\u011bn\u00ed UNIQA<\/strong><\/p>\n<ul>\n<li>Anglicky hovo\u0159\u00edc\u00ed asisten\u010dn\u00ed slu\u017eba k poji\u0161t\u011bn\u00ed dostupn\u00e1 24\/7 (kontakt na asisten\u010dn\u00ed karti\u010dce, kterou by m\u011bl m\u00edt poji\u0161t\u011bn\u00fd st\u00e1le p\u0159i sob\u011b)<\/li>\n<li>Poji\u0161t\u011bn\u00ed bez sublimit\u016f na v\u00fdkony ve stomatologii<\/li>\n<li>Poji\u0161t\u011bn\u00ed bez sublimit\u016f na p\u0159edepsan\u00e9 l\u00e9ky<\/li>\n<li>Z\u00e1zem\u00ed siln\u00e9 nadn\u00e1rodn\u00ed poji\u0161\u0165ovny: UNIQA je jedn\u00edm z nejv\u011bt\u0161\u00edch poskytovatel\u016f tohoto poji\u0161t\u011bn\u00ed na trhu<\/li>\n<li>Mo\u017enost p\u0159ipoji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu<\/li>\n<li>P\u0159ipravuje se: mo\u017enost vyu\u017eit\u00ed u\u017eite\u010dn\u00e9 mobiln\u00ed aplikace \u2013 telefonick\u00e1 p\u0159eddiagnostika<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Na z\u00e1klad\u011b novely z\u00e1kona o pobytu cizinc\u016f na \u00fazem\u00ed \u010cR a novely z\u00e1kona o ve\u0159ejn\u00e9m zdravotn\u00edm poji\u0161t\u011bn\u00ed obnovila UNIQA sv\u00e9 aktivity v\u00a0cestovn\u00edm poji\u0161t\u011bn\u00ed cizinc\u016f ze <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=2136\" title=\"UNIQA se vrac\u00ed ke cestovn\u00edmu poji\u0161t\u011bn\u00ed cizinc\u016f\">[&#8230;]<\/a><\/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-2136","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\/2136","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=2136"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2136\/revisions"}],"predecessor-version":[{"id":2137,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2136\/revisions\/2137"}],"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=2136"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2136"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2136"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}