{"id":93271,"date":"2024-05-07T13:30:00","date_gmt":"2024-05-07T11:30:00","guid":{"rendered":"https:\/\/slovaklinesmagazin.sk\/cms\/?p=93271"},"modified":"2024-05-07T13:30:00","modified_gmt":"2024-05-07T11:30:00","slug":"poistenie-je-v-cestovnych-nakladoch-najnizsia-polozka-nesetrite-na-nej-2","status":"publish","type":"post","link":"https:\/\/www.slovaklinesmagazin.sk\/cms\/2024\/05\/poistenie-je-v-cestovnych-nakladoch-najnizsia-polozka-nesetrite-na-nej-2\/","title":{"rendered":"Poistenie je v cestovn\u00fdch n\u00e1kladoch najni\u017e\u0161ia polo\u017eka. Ne\u0161etrite na nej."},"content":{"rendered":"<p><strong>Slobodu cestovania si dnes u\u017e\u00edvame aj v\u010faka n\u00edzkym cen\u00e1m n\u00edzkon\u00e1kladov\u00fdch leteck\u00fdch spolo\u010dnost\u00ed a inovat\u00edvnym rezerva\u010dn\u00fdm aplik\u00e1ci\u00e1m ubytovania. Dnes nie je probl\u00e9m str\u00e1vi\u0165 pred\u013a\u017een\u00fd v\u00edkend v R\u00edme a o tri t\u00fd\u017edne sa vyk\u00fapa\u0165 na pl\u00e1\u017ei v At\u00e9nach. A to dokonca za cenu \u010dastokr\u00e1t v\u00fdhodnej\u0161iu ako je cesta vlastn\u00fdm autom s ubytovan\u00edm na Slovensku. Cestovanie sa v\u0161ak m\u00f4\u017ee dramaticky predra\u017ei\u0165, pokia\u013e si ho nepoist\u00edte. Pritom poistenie je v porovnan\u00ed s ostatn\u00fdmi n\u00e1kladmi t\u00e1 najni\u017e\u0161ia polo\u017eka. Ako si spr\u00e1vne vybra\u0165 cestovn\u00e9 poistenie, v\u00e1m porad\u00edme spolu s\u00a0Allianzom.<\/strong><\/p>\n<p><strong>U\u0161etri\u0165 s poisten\u00edm viete u\u017e pred dovolenkou<\/strong><\/p>\n<p>Poistenie storna z\u00e1jazdu v\u00e1m zabezpe\u010d\u00ed, \u017ee v pr\u00edpade va\u0161ej choroby, alebo ochorenia v\u00e1\u0161ho rodinn\u00e9ho pr\u00edslu\u0161n\u00edka, v\u00e1m Allianz preplat\u00ed v\u0161etky n\u00e1klady na cestu, ubytovanie \u010di pren\u00e1jmy, ktor\u00e9 ste zaplatili a u\u017e sa nedaj\u00fa stornova\u0165 bez poplatku. Nie v\u0161etky letenky toti\u017e stoja p\u00e1r desiatok eur a m\u00e1loktor\u00e9 rezerv\u00e1cie ubytovania maj\u00fa bezplatn\u00e9 storno menej ako t\u00fd\u017ede\u0148 pred n\u00e1stupom. Naopak, s poisten\u00edm si m\u00f4\u017eete vybera\u0165 aj cenovo v\u00fdhodnej\u0161ie pren\u00e1jmy s platbou vopred, preto\u017ee v pr\u00edpade mimoriadnych udalost\u00ed v\u00e1m Allianz t\u00fato sumu preplat\u00ed. V pr\u00edpade n\u00e1kladov vo v\u00fd\u0161ke 1 000 eur sa bav\u00edme o poistnom vo v\u00fd\u0161ke zhruba 33 eur.<\/p>\n<p><a href=\"https:\/\/online.allianz.sk\/poistenie-storno-zajazdu\/#\/start\">uzavrie\u0165 poistenie storna z\u00e1jazdu online<\/a><\/p>\n<p><strong>Cestovn\u00e9 poistenie na mieru<\/strong><\/p>\n<p>Ak nie ste v\u00e1\u0161niv\u00fd cestovate\u013e a va\u0161e v\u00fdlety do zahrani\u010dia sa daj\u00fa spo\u010d\u00edta\u0165 na jednej ruke, v dne\u0161nom svete smartf\u00f3nov si viete <a href=\"https:\/\/online.allianz.sk\/cestovne-poistenie\/#\/start\">cestovn\u00e9 poistenie uzatvori\u0165 a zaplati\u0165 online<\/a> za p\u00e1r min\u00fat. Nie je dobr\u00e9 spolieha\u0165 sa len na Eur\u00f3psky preukaz zdravotn\u00e9ho poistenia (EPZP), ktor\u00fd nepokryje doplatky za lieky \u010di n\u00e1klady za prevoz na Slovensko. A rovnako nepokryje n\u00e1klady v s\u00fakromn\u00fdch zdravotn\u00edckych zariadeniach, ktor\u00e9 s\u00fa \u010dasto jedinou mo\u017enos\u0165ou v mnoh\u00fdch dovolenkov\u00fdch destin\u00e1ci\u00e1ch.<\/p>\n<p><strong>Jednod\u0148ov\u00fd v\u00fdlet po Eur\u00f3pe m\u00f4\u017eete ma\u0165 s bal\u00edkom EXTRA poisten\u00fd za necel\u00e9 2 eur\u00e1 a desa\u0165d\u0148ov\u00fa dovolenku za 18 eur.<\/strong> Zvol\u00edte term\u00edny, po\u010det os\u00f4b, spr\u00e1vne bal\u00ed\u010dky poistenia a momentom zaplatenia ste poisten\u00fd.<\/p>\n<p>Kryt\u00e9 s\u00fa predov\u0161etk\u00fdm <strong>n\u00e1klady na o\u0161etrenie, hospitaliz\u00e1ciu, lieky, lek\u00e1rske vy\u0161etrenia<\/strong> \u010di prevoz nasp\u00e4\u0165 do vlasti <strong>v pr\u00edpade n\u00e1hleho ochorenia alebo \u00farazu bez obmedzenia v\u00fd\u0161ky lie\u010debn\u00fdch n\u00e1kladov, \u010do je v\u00fdhoda, ktor\u00fa poskytuje Allianz ako jedin\u00e1 pois\u0165ov\u0148a na trhu.<\/strong> Dnes je s\u00fa\u010das\u0165ou v\u00e4\u010d\u0161iny \u0161tandardn\u00e9ho cestovn\u00e9ho poistenia aj krytie ochorenia COVID-19, tak\u017ee ak by v\u00e1s n\u00e1hodou dostal na l\u00f4\u017eko do nemocnice, nemus\u00edte sa b\u00e1\u0165, \u017ee to p\u00f4jde z v\u00e1\u0161ho vrecka.<\/p>\n<p>V poistnom bal\u00edku je aj finan\u010dn\u00e1 n\u00e1hrada za stratu, po\u0161kodenie alebo odcudzenie bato\u017einy a\u017e do v\u00fd\u0161ky 1 500 eur, ale aj za neskor\u00e9 dodanie bato\u017einy leteckou spolo\u010dnos\u0165ou o viac ako 24 hod\u00edn. Takisto za zni\u010denie alebo stratu dokladov. Navy\u0161e z\u00edskate aj <strong>poistenie zodpovednosti za \u0161kodu<\/strong> a\u017e do v\u00fd\u0161ky 200-tis\u00edc eur, ktor\u00fa m\u00f4\u017eete ne\u00famyselne sp\u00f4sobi\u0165 na majetku alebo na zdrav\u00ed tretej osobe. V bal\u00edku cestovn\u00e9ho poistenia m\u00e1 Allianz dokonca aj asistenciu pri pr\u00e1vnej pomoci a\u017e do v\u00fd\u0161ky 1 200 eur.<\/p>\n<p>Na turistiku \u010di ly\u017eova\u010dku sa v\u00e1m hod\u00ed bal\u00edk MAX, ktor\u00e9ho s\u00fa\u010das\u0165ou je aj poistenie do h\u00f4r, ktor\u00e9 kryje n\u00e1klady a\u017e do v\u00fd\u0161ky 16 600 eur. Ide o n\u00e1klady spojen\u00e9 s v\u00fdkonom z\u00e1chrannej \u010dinnosti alebo s\u00a0p\u00e1tran\u00edm, poskytovan\u00e9 Horskou z\u00e1chrannou slu\u017ebou (HZS). V pr\u00edpade rizikov\u00fdch \u0161portov, ako je ob\u013e\u00faben\u00fd skialpinizmus, \u010doraz popul\u00e1rnej\u0161ia jazda na (elektro)bicykloch v\u00a0horskom ter\u00e9ne, pr\u00edpadne ak radi ly\u017eujete mimo vyzna\u010den\u00fdch tr\u00e1s \u010di holdujete vodn\u00fdm \u0161portom, je vhodn\u00e9 pripoisti\u0165 si ich.<\/p>\n<p><strong>Celoro\u010dn\u00e9 poistenie do celej Eur\u00f3py od Allianz u\u017e od 50,40 eur<\/strong><\/p>\n<p>U\u017e sa v\u00e1m stalo, \u017ee ste pri ceste na individu\u00e1lnu dovolenku zistili, \u017ee ste sa zabudli poisti\u0165? Ke\u010f sa to stane pred poistnou udalos\u0165ou, viete to e\u0161te vyrie\u0161i\u0165. Pri \u010dastom cestovan\u00ed je to v\u0161ak staros\u0165 navy\u0161e, lebo mus\u00edte na\u0148 st\u00e1le myslie\u0165 a neust\u00e1le si poistenie doobjedn\u00e1va\u0165. Tieto starosti m\u00f4\u017eete vyrie\u0161i\u0165 celoro\u010dn\u00fdm cestovn\u00fdm poisten\u00edm, ktor\u00e9 m\u00f4\u017ee by\u0165 v pr\u00edpade \u010dast\u00e9ho cestovania dokonca cenovo v\u00fdhodnej\u0161ie. Aj nieko\u013ekohodinov\u00e1 cesta za n\u00e1kupmi do susedn\u00fdch kraj\u00edn v\u00e1s toti\u017e v\u00a0pr\u00edpade poistnej udalosti m\u00f4\u017ee vyjs\u0165 ve\u013emi draho.<\/p>\n<p>Najlacnej\u0161ia verzia COMFORT za spom\u00ednan\u00fdch 50,40 eura pokr\u00fdva n\u00e1klady na o\u0161etrenie, hospitaliz\u00e1ciu, lieky, lek\u00e1rske vy\u0161etrenia \u010di prevoz nasp\u00e4\u0165 do vlasti v\u00a0pr\u00edpade n\u00e1hleho ochorenia alebo \u00farazu a\u017e do v\u00fd\u0161ky 220-tis\u00edc eur. \u00a0Z\u00e1rove\u0148 pokr\u00fdva finan\u010dn\u00fa n\u00e1hradu za stratu, po\u0161kodenie alebo odcudzenie bato\u017einy do v\u00fd\u0161ky 500 eur \u010di poistenie zodpovednosti za \u0161kodu do v\u00fd\u0161ky 100-tis\u00edc eur. Nezah\u0155\u0148a neskor\u00e9 dodanie bato\u017einy leteckou spolo\u010dnos\u0165ou, zni\u010denie alebo stratu dokladov \u010di pr\u00e1vnu pomoc.<\/p>\n<p>Bal\u00edk ro\u010dn\u00e9ho cestovn\u00e9ho poistenia EXTRA m\u00e1 vy\u0161\u0161ie poistn\u00e9 plnenia (p\u00edsali sme o nich vy\u0161\u0161ie), predov\u0161etk\u00fdm n\u00e1klady na o\u0161etrenie, hospitaliz\u00e1ciu, lieky, lek\u00e1rske vy\u0161etrenia bez obmedzenia v\u00fd\u0161ky n\u00e1kladov, a stoj\u00ed 128,80 eur. Najvy\u0161\u0161\u00ed bal\u00edk MAX, ktor\u00fd zah\u0155\u0148a aj z\u00e1chrann\u00e9 akcie, stoj\u00ed 142,40 eur ro\u010dne. \u010co je to v\u0161ak v porovnan\u00ed s n\u00e1kladmi na lie\u010dbu tr\u00e1viacich probl\u00e9mov v \u0160panielsku, kde sme poisten\u00e9mu klientovi u\u0161etrili a\u017e 55-tis\u00edc eur.<\/p>\n<p>Upozornenie: Uv\u00e1dzan\u00e9 ceny s\u00fa platn\u00e9 k 30. 4. 2024.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Slobodu cestovania si dnes u\u017e\u00edvame aj v\u010faka n\u00edzkym cen\u00e1m n\u00edzkon\u00e1kladov\u00fdch leteck\u00fdch spolo\u010dnost\u00ed a inovat\u00edvnym rezerva\u010dn\u00fdm aplik\u00e1ci\u00e1m ubytovania. Dnes nie je probl\u00e9m str\u00e1vi\u0165 pred\u013a\u017een\u00fd v\u00edkend v R\u00edme a o tri t\u00fd\u017edne sa vyk\u00fapa\u0165 na pl\u00e1\u017ei v At\u00e9nach. A to dokonca za cenu \u010dastokr\u00e1t v\u00fdhodnej\u0161iu ako je cesta vlastn\u00fdm autom s ubytovan\u00edm na Slovensku. Cestovanie sa v\u0161ak [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":93272,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13,45],"tags":[1109,1110,595],"class_list":["post-93271","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","category-nas-tip","tag-cestovne-poistenie","tag-hospitalizacia","tag-poistenie","eq-blocks"],"_links":{"self":[{"href":"https:\/\/www.slovaklinesmagazin.sk\/cms\/wp-json\/wp\/v2\/posts\/93271","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.slovaklinesmagazin.sk\/cms\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.slovaklinesmagazin.sk\/cms\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.slovaklinesmagazin.sk\/cms\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.slovaklinesmagazin.sk\/cms\/wp-json\/wp\/v2\/comments?post=93271"}],"version-history":[{"count":1,"href":"https:\/\/www.slovaklinesmagazin.sk\/cms\/wp-json\/wp\/v2\/posts\/93271\/revisions"}],"predecessor-version":[{"id":93273,"href":"https:\/\/www.slovaklinesmagazin.sk\/cms\/wp-json\/wp\/v2\/posts\/93271\/revisions\/93273"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.slovaklinesmagazin.sk\/cms\/wp-json\/wp\/v2\/media\/93272"}],"wp:attachment":[{"href":"https:\/\/www.slovaklinesmagazin.sk\/cms\/wp-json\/wp\/v2\/media?parent=93271"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.slovaklinesmagazin.sk\/cms\/wp-json\/wp\/v2\/categories?post=93271"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.slovaklinesmagazin.sk\/cms\/wp-json\/wp\/v2\/tags?post=93271"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}