{"id":103,"date":"2026-09-25T04:15:32","date_gmt":"2026-09-25T04:15:32","guid":{"rendered":"http:\/\/atkno.cz\/?p=103"},"modified":"2026-09-25T04:15:32","modified_gmt":"2026-09-25T04:15:32","slug":"cestovni-pojisteni-levne-nebo-dobre","status":"publish","type":"post","link":"http:\/\/atkno.cz\/index.php\/2026\/09\/25\/cestovni-pojisteni-levne-nebo-dobre\/","title":{"rendered":"Cestovn\u00ed poji\u0161t\u011bn\u00ed levn\u011b nebo dob\u0159e?"},"content":{"rendered":"\n\n
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Sjedn\u00e1n\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed p\u0159ed odjezdem na dovolenou do zahrani\u010d\u00ed je dnes ji\u017e celkem b\u011b\u017en\u00e1 v\u011bc, na kterou nezapom\u00edn\u00e1me. \u010casto je cestovn\u00ed poji\u0161t\u011bn\u00ed dokonce zahrnuto v cen\u011b z\u00e1jezdu nebo je cestovn\u00ed kancel\u00e1\u0159 za n\u00edzk\u00fd poplatek za\u0159\u00edd\u00ed. Ale zaj\u00edm\u00e1te se o to, co v\u0161echno Va\u0161e cestovn\u00ed poji\u0161t\u011bn\u00ed kryje (resp. nekryje)?<\/p>\n

Napadlo V\u00e1s n\u011bkdy, jak vysok\u00e1 \u0161koda vlastn\u011b m\u016f\u017ee vzniknout a co v\u0161echno se m\u016f\u017ee st\u00e1t? Cestovn\u00ed poji\u0161t\u011bn\u00ed je z\u00e1le\u017eitost v hodnot\u011b p\u00e1r stokorun. Tak stoj\u00ed za to si zjistit, jestli by V\u00e1m p\u0159\u00edpadn\u011b stokoruna nav\u00edc nezachr\u00e1nila statis\u00edce.<\/p>\n

Co vlastn\u011b cestovn\u00ed poji\u0161t\u011bn\u00ed \u0159e\u0161\u00ed? Z\u00e1kladem je poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh, p\u0159evozu a repatriace<\/strong>. M\u00e1lokter\u00fd ob\u010dan \u010cesk\u00e9 republiky tu\u0161\u00ed, kolik vlastn\u011b stoj\u00ed z\u00e1kladn\u00ed o\u0161et\u0159en\u00ed v nemocnici, s\u00e1dra nebo dokonce operace. Tyto n\u00e1klady v\u011bt\u0161inou kryje na\u0161e ve\u0159ejn\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed, tak\u017ee n\u00e1s jeho cena v\u00a0podstat\u011b nezaj\u00edm\u00e1.<\/p>\n

V zahrani\u010d\u00ed u\u017e je to jin\u00e9 a proto poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh s finan\u010dn\u00edm limitem 3 miliony nen\u00ed \u017e\u00e1dn\u00e1 zbyte\u010dn\u00e1 \u010d\u00e1stka, obzvl\u00e1\u0161\u0165 vezmeme-li v \u00favahu, \u017ee V\u00e1s do nemocnice bude muset p\u0159ev\u00e9zt t\u0159eba vrtuln\u00edk. V\u00fd\u0161e zm\u00edn\u011bn\u00e1 repatriace je z\u00e1le\u017eitost nejen financ\u00ed, ale i ohledu k poz\u016fstal\u00fdm.<\/p>\n

\u00damrt\u00ed je i tak stresuj\u00edc\u00ed z\u00e1le\u017eitost a pot\u0159eba sehnat pen\u00edze na p\u0159evoz p\u0159\u00edbuzn\u00e9ho do vlasti v t\u00e9to situaci nikomu nep\u0159id\u00e1. Samoz\u0159ejm\u011b nikdo nejede na dovolenou s t\u00edm, \u017ee zde skon\u010d\u00ed sv\u016fj \u017eivot, ale stejn\u011b tak si nepl\u00e1nujeme ani zlomeninu nohy.<\/p>\n

Velice d\u016fle\u017eit\u00e1 je v t\u00e9to oblasti i ot\u00e1zka v\u00fdluk z poji\u0161t\u011bn\u00ed<\/strong>. Ptejte se dopodrobna, co v\u0161e je z pojistky vylou\u010deno a p\u0159em\u00fd\u0161lejte o tom, co asi hodl\u00e1te na dovolen\u00e9 d\u011blat. Snad nikdo nevyjede na ly\u017ee bez poji\u0161t\u011bn\u00ed zimn\u00edch sport\u016f, ale podobn\u00e9 v\u00fdluky se mohou vztahovat i na vodn\u00ed sporty apod.<\/p>\n

Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu<\/strong> je tak\u00e9 velice d\u016fle\u017eit\u00e9. Nikdy nev\u00edte, jestli na ulici omylem do n\u011bkoho nenaraz\u00edte a on spadne tak ne\u0161ikovn\u011b, \u017ee si zlom\u00ed ruku. V\u00e1mi zavin\u011bn\u00e1 sr\u00e1\u017eka s kamionem pln\u011b nalo\u017een\u00fdm LCD monitory bude pro V\u00e1s znamenat krom\u011b vlastn\u00edch l\u00e9\u010debn\u00fdch v\u00fdloh tak\u00e9 l\u00e9\u010debn\u00e9 v\u00fdlohy osob v druh\u00e9m vozidle a \u00fahradu \u0161kody na n\u00e1kladu.<\/p>\n

Samoz\u0159ejm\u011b, nepopisuji zde v\u011bci, kter\u00e9 se b\u011b\u017en\u011b d\u011bj\u00ed, ale nikdy nev\u00edte.
\nOproti tomu poji\u0161t\u011bn\u00ed zavazadel<\/strong> je sp\u00ed\u0161e od\u0161kodn\u011bn\u00ed za nep\u0159\u00edjemnost. Limity se v\u011bt\u0161inou pohybuj\u00ed v \u0159\u00e1du des\u00edtek tis\u00edc a pokud v zavazadle nep\u0159ev\u00e1\u017e\u00edte v\u00fdkonn\u00fd notebook a nejnov\u011bj\u0161\u00ed model chytr\u00e9ho telefonu (samoz\u0159ejm\u011b pro ka\u017ed\u00e9ho \u010dlena rodiny), m\u011bl by b\u011b\u017en\u011b sta\u010dit.<\/p>\n

Sou\u010d\u00e1st\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed b\u00fdv\u00e1 i p\u0159ipoji\u0161t\u011bn\u00ed smrti \u00farazem a trval\u00fdch n\u00e1sledk\u016f \u00farazu<\/strong>. P\u0159ipoji\u0161t\u011bn\u00ed v r\u00e1mci cestovn\u00edho poji\u0161t\u011bn\u00ed m\u00edv\u00e1 v\u011bt\u0161inou pon\u011bkud n\u00edzk\u00e9 limity pln\u011bn\u00ed, proto se sp\u00ed\u0161e vyplat\u00ed zjistit si, zda se na danou zemi vztahuje Va\u0161e b\u011b\u017en\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed s poji\u0161t\u011bn\u00edm proti \u00farazu.
\nP\u0159em\u00fd\u0161lejte tedy d\u016fkladn\u011b nad sv\u00fdm cestovn\u00edm poji\u0161t\u011bn\u00edm, a\u0165 V\u00e1s u\u0161et\u0159en\u00e1 stokoruna nakonec nestoj\u00ed mnohon\u00e1sobn\u011b v\u00edc.\n<\/p>\n

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Sjedn\u00e1n\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed p\u0159ed odjezdem na dovolenou do zahrani\u010d\u00ed je dnes ji\u017e celkem b\u011b\u017en\u00e1 v\u011bc, na kterou nezapom\u00edn\u00e1me. \u010casto je cestovn\u00ed poji\u0161t\u011bn\u00ed dokonce zahrnuto v cen\u011b z\u00e1jezdu nebo je cestovn\u00ed kancel\u00e1\u0159 za n\u00edzk\u00fd poplatek za\u0159\u00edd\u00ed. Ale zaj\u00edm\u00e1te se o to, co v\u0161echno Va\u0161e cestovn\u00ed poji\u0161t\u011bn\u00ed kryje (resp. nekryje)? Napadlo V\u00e1s n\u011bkdy, jak vysok\u00e1 \u0161koda vlastn\u011b […]<\/p>\n","protected":false},"author":1,"featured_media":105,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-103","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"yoast_head":"\nCestovn\u00ed poji\u0161t\u011bn\u00ed levn\u011b nebo dob\u0159e?<\/title>\n<meta name=\"description\" content=\"Pokud se chyst\u00e1te na dovolenou, zamyslete se krom\u011b v\u00fdb\u011bru destinace i nad vhodn\u00fdm cestovn\u00edm poji\u0161t\u011bn\u00edm. 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