{"id":6319,"date":"2013-06-25T12:08:49","date_gmt":"2013-06-25T10:08:49","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=6319"},"modified":"2013-06-25T12:09:09","modified_gmt":"2013-06-25T10:09:09","slug":"jak-dovolenou-v-ohrozeni-prezit","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=6319","title":{"rendered":"Jak dovolenou v ohro\u017een\u00ed p\u0159e\u017e\u00edt"},"content":{"rendered":"

Jak vy\u0159e\u0161it probl\u00e9my co nejm\u00e9n\u011b bolestivou cestou? Je mo\u017en\u00e9 si nezkazit dovolenou zlomeninou nohy, \u00fapalem \u010di vyra\u017een\u00fdm zubem? Kdy\u017e u\u017e k \u00farazu \u010di komplikaci dojde, jak za\u0159\u00eddit, aby dovolen\u00e1 neskon\u010dila tot\u00e1ln\u00ed katastrofou? <\/strong><\/p>\n

<\/p>\n

Zejm\u00e9na hendikepovan\u00fdm se mnohdy vyplat\u00ed nespol\u00e9hat v p\u0159\u00edpadech ohro\u017een\u00ed jen na sebe, v mnoh\u00e9m mohou pomoci asisten\u010dn\u00ed slu\u017eby jednotliv\u00fdch poji\u0161\u0165oven.<\/strong><\/p>\n

P\u0159ed odjezdem na dovolenou jste v\u0161e pro jistotu dvakr\u00e1t zkontrolovali, v p\u0159\u00edru\u010dn\u00edm zavazadle m\u00e1te pojistnou smlouvu a v\u00e1m nic nebr\u00e1n\u00ed nechat v\u0161e za hranicemi a vydat se vst\u0159\u00edc dovolen\u00e9.<\/p>\n

Cestovn\u00ed poji\u0161t\u011bn\u00ed v\u00e1s sice v zahrani\u010d\u00ed ochr\u00e1n\u00ed, av\u0161ak nen\u00ed absolutn\u00ed z\u00e1rukou klidn\u00fdch pr\u00e1zdnin. Jak tedy \u0159e\u0161it situaci, kdy v\u00e1m zmiz\u00ed zavazadla, nevyhnou se v\u00e1m st\u0159evn\u00ed pot\u00ed\u017ee, v hor\u0161\u00edm p\u0159\u00edpad\u011b zlomen\u00e1 ruka, aby v\u00e1m podobn\u00e1 ud\u00e1lost znep\u0159\u00edjemnila dovolenou co nejm\u00e9n\u011b?<\/p>\n

N\u011bkolik rad, jak se zachovat v p\u0159\u00edpad\u011b, kdy u\u017e probl\u00e9m\u016fm na cest\u00e1ch nelze zabr\u00e1nit a jejich \u0159e\u0161en\u00ed se st\u00e1v\u00e1 nezbytnost\u00ed.<\/strong><\/p>\n

* V prvn\u00ed \u0159ad\u011b kontaktujte asisten\u010dn\u00ed slu\u017ebu sv\u00e9 poji\u0161\u0165ovny, kter\u00e1 v\u00e1m porad\u00ed nejvhodn\u011bj\u0161\u00ed postup. Karti\u010dku s telefonn\u00edm \u010d\u00edslem asisten\u010dn\u00ed slu\u017eby byste m\u011bli m\u00edt st\u00e1le u sebe, na toto pravidlo nezapom\u00ednejte. Do telefonu podrobn\u011b pop\u00ed\u0161ete, jak ke \u0161kodn\u00e9 ud\u00e1losti do\u0161lo. Asisten\u010dn\u00ed slu\u017eby b\u00fdvaj\u00ed zpravidla nonstop.<\/p>\n

– Asisten\u010dn\u00ed slu\u017eba se ujme aktivity a zajist\u00ed pro poji\u0161t\u011bn\u00e9ho po\u017eadovan\u00e9 nebo pot\u0159ebn\u00e9 \u00fakony a pr\u016fb\u011b\u017en\u011b informuje poji\u0161t\u011bn\u00e9ho o v\u00fdvoji a \u0159e\u0161en\u00ed jeho \u0161kodn\u00e9 ud\u00e1losti. Nem\u016f\u017ee-li s asistenc\u00ed komunikovat p\u0159\u00edmo poji\u0161t\u011bn\u00e1 osoba, asistence komunikuje s nejbli\u017e\u0161\u00ed osobou poji\u0161t\u011bn\u00e9mu v m\u00edst\u011b pojistn\u00e9 ud\u00e1losti, p\u0159\u00edpadn\u011b tak\u00e9 s osobou bl\u00edzkou v \u010cR.<\/p>\n

– Klienti by nikdy nem\u011bli podepisovat nic, \u010demu nerozum\u00ed.<\/p>\n

– Pokud jde jen o men\u0161\u00ed o\u0161et\u0159en\u00ed (sp\u00e1leniny od slun\u00ed\u010dka \u010di nevolnost), m\u016f\u017ee se st\u00e1t, \u017ee bude l\u00e9ka\u0159, zejm\u00e9na soukrom\u00fd n\u011bkde v mal\u00e9m letovisku, po\u017eadovat \u00fahradu v hotovosti. Potom by si turista m\u011bl vy\u017e\u00e1dat u l\u00e9ka\u0159e doklad a ten pot\u00e9 p\u0159edlo\u017eit poji\u0161\u0165ovn\u011b, kter\u00e1 mu v\u00fdlohy na l\u00e9\u010den\u00ed uhrad\u00ed.<\/p>\n

– Nem\u00e1te-li dostatek finan\u010dn\u00edch prost\u0159edk\u016f na uhrazen\u00ed o\u0161et\u0159en\u00ed, kontaktujte svou asisten\u010dn\u00ed slu\u017ebu. Ve st\u00e1tn\u00edch za\u0159\u00edzen\u00edch v\u00e1s v\u0161ak zpravidla o\u0161et\u0159\u00ed bez p\u0159\u00edm\u00e9ho placen\u00ed a v\u0161e si \u0159e\u0161\u00ed posl\u00e9ze nemocnice s poji\u0161\u0165ovnou.<\/p>\n

– \u00da\u010dty souvisej\u00edc\u00ed s o\u0161et\u0159en\u00edm zaslan\u00e9 na va\u0161i adresu nepropl\u00e1cejte a neprodlen\u011b je za\u0161lete p\u0159\u00edmo sv\u00e9mu pojistiteli.<\/p>\n

– P\u0159i jak\u00e9mkoliv o\u0161et\u0159en\u00ed l\u00e9ka\u0159em si uchov\u00e1vejte ve\u0161kerou dokumentaci, l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy, stvrzenky o zaplacen\u00ed, doklady o n\u00e1kupu l\u00e9k\u016f i recepty.<\/p>\n

– Pokud nen\u00ed jin\u00e1 mo\u017enost a vy jste nuceni vz\u00edt si do nemocnice taxi, schovejte si pro poji\u0161\u0165ovnu tak\u00e9 tuto \u00fa\u010dtenku. I cestu k l\u00e9ka\u0159i v\u00e1m m\u016f\u017ee poji\u0161\u0165ovna zp\u011btn\u011b uhradit. * P\u0159i zpo\u017ed\u011bn\u00ed letu \u010di zavazadel, a m\u00e1te-li tyto \u0161kody p\u0159ipoji\u0161t\u011bn\u00e9, bude nutn\u00e9 si vy\u017e\u00e1dat potvrzen\u00ed od leteck\u00e9 spole\u010dnosti o zpo\u017ed\u011bn\u00ed letu nebo zavazadla.<\/p>\n

– Svou odpov\u011bdnost za \u0161kodu bez souhlasu pojistitele neuzn\u00e1vejte a n\u00e1hradu \u0161kody nepla\u0165te ani se k tomu nezavazujte.<\/p>\n

– Po\u010d\u00edtejte s t\u00edm, \u017ee p\u0159i kr\u00e1de\u017ei nebo po\u0161kozen\u00ed v\u011bci po v\u00e1s poji\u0161\u0165ovna m\u016f\u017ee po\u017eadovat dolo\u017een\u00ed po\u0159izovac\u00ed ceny v\u011bci.<\/p>\n

– Pokud ud\u00e1lost, nap\u0159\u00edklad kr\u00e1de\u017e \u010di loupe\u017en\u00e9 p\u0159epaden\u00ed, vy\u0161et\u0159ovala policie, vy\u017e\u00e1dejte a schovejte si policejn\u00ed protokol.<\/p>\n

– V p\u0159\u00edpad\u011b \u0161kod z poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu je nutn\u00e9 zdokumentovat vzniklou \u0161kodu, jej\u00ed rozsah, p\u0159\u00edpadn\u011b si zajistit sv\u011bdky a kontakty na n\u011b. V takov\u00fdch p\u0159\u00edpadech si kolikr\u00e1t vysta\u010d\u00edte s mobilem, kter\u00fdm ud\u00e1lost nafot\u00edte nebo nato\u010d\u00edte.<\/p>\n

– Pokud to lze, po\u0159i\u010fte o vznikl\u00e9 \u0161kod\u011b fotodokumentaci.<\/p>\n

– Po p\u0159\u00edjezdu do \u010cech neprodlen\u011b kontaktujte svou poji\u0161\u0165ovnu a zpravidla po\u0161tou j\u00ed doru\u010dte ve\u0161ker\u00e9 dokumenty t\u00fdkaj\u00edc\u00ed se pojistn\u00e9 ud\u00e1losti.<\/p>\n

* Pot\u0159ebn\u00e9 formul\u00e1\u0159e najdete na webov\u00fdch str\u00e1nk\u00e1ch pojistitele nebo p\u0159\u00edmo na p\u0159\u00edslu\u0161n\u00e9 pobo\u010dce poji\u0161\u0165ovny.<\/p>\n

—<\/p>\n

Cen\u00edky l\u00e9ka\u0159sk\u00fdch z\u00e1krok\u016f a o\u0161et\u0159en\u00ed<\/strong><\/p>\n

Kolik byste museli vydat ze sv\u00e9 kapsy, pokud byste se spol\u00e9hali na bezprobl\u00e9movou dovolenou bez cestovn\u00edho poji\u0161t\u011bn\u00ed<\/p>\n

O\u0160ET\u0158EN\u00cd\/Z\u00c1KROK ZEM\u011a N\u00c1KLADY VK\u010c
\nslune\u010dn\u00ed alergie \u0158ecko 3750K\u010d
\nambulantn\u00ed o\u0161et\u0159en\u00ed nachlazen\u00ed z klimatizace Turecko 2500\u20136250K\u010d
\ngastroenteritida Egypt 3000\u20137500K\u010d
\nz\u00e1n\u011bt zubu It\u00e1lie 9500K\u010d
\nortopedick\u00e9 vy\u0161et\u0159en\u00ed zlomeniny nebo vymknut\u00ed kon\u010detiny v\u010d. RTG a s\u00e1dry \u0160pan\u011blsko 17 500\u201325 000
\nt\u00fddenn\u00ed hospitalizace p\u0159i celkov\u00e9m kolapsu z horka Bulharsko 330 000K\u010d
\nporan\u011bn\u00ed hlavy a otok mozku p\u0159i p\u00e1du Egypt 350000K\u010d
\nmozkov\u00e1 mrtvice Turecko 700000K\u010d
\nden v nemocnici \u2013 napojen\u00ed na p\u0159\u00edstroje Francie 100000K\u010d
\noperace slep\u00e9ho st\u0159eva \u0160pan\u011blsko 130000K\u010d
\np\u0159evoz sanitkou It\u00e1lie \u2013 \u010cR 70 000K\u010d
\nleteck\u00fd ambulantn\u00ed p\u0159evoz Tunisko \u2013 Praha 470000K\u010d
\n\u0160KODY ZODPOV\u011aDNOSTI
\nshozen\u00fd rozbit\u00fd televizor Egypt 20 000K\u010d
\npo\u017e\u00e1r za\u0159\u00edzen\u00ed pokoje od va\u0159i\u010de N\u011bmecko 80 000K\u010d<\/p>\n

Zdroj: ERV poji\u0161\u0165ovna<\/p>\n

Na co nezapomenout p\u0159ed dovolenou<\/h1>\n

Doklady \u2013 zkontrolovat platnost cestovn\u00edch doklad\u016f, po\u0159\u00eddit si kopie, ov\u011b\u0159it v\u00edzovou povinnost. V p\u0159\u00edpad\u011b cesty do zem\u00ed Evropsk\u00e9 unie, na Island, do Norska, Lichten\u0161tejnska a \u0160v\u00fdcarska v\u00e1m sta\u010d\u00ed ob\u010dansk\u00fd pr\u016fkaz. Ob\u010dansk\u00fd pr\u016fkaz je v\u0161ak ch\u00e1p\u00e1n jako cestovn\u00ed doklad pouze pro jeho dr\u017eitele, nikoli pro d\u011bti v n\u011bm zapsan\u00e9.<\/p>\n

Pen\u00edze \u2013 zkontrolovat platnost platebn\u00edch karet, napsat si tel. \u010d\u00edsla na blokaci v p\u0159\u00edpad\u011b odcizen\u00ed karty a vym\u011bnit si v bance kapesn\u00e9. Vozit do zahrani\u010d\u00ed velkou hotovost je nebezpe\u010dn\u00e9 a nepraktick\u00e9. Pou\u017e\u00edv\u00e1n\u00ed platebn\u00ed karty je bezpe\u010dn\u011bj\u0161\u00ed a v\u00fdhodn\u011bj\u0161\u00ed p\u0159i placen\u00ed v obchodech, hotelech, u benzinov\u00e9 pumpy nebo v restaurac\u00edch. Neplat\u00edte \u017e\u00e1dn\u00e9 poplatky a z\u00edsk\u00e1te lep\u0161\u00ed kurz ne\u017e p\u0159i v\u00fdm\u011bn\u011b pen\u011bz ve sm\u011bn\u00e1rn\u011b.<\/p>\n

Domov \u2013 d\u016fkladn\u011b zabezpe\u010dit dom\u00e1cnost proti zlod\u011bj\u016fm a hav\u00e1ri\u00edm. Pokud nem\u00e1te dom\u00e1cnost poji\u0161t\u011bnou, m\u016f\u017eete si ji kr\u00e1tkodob\u011b pojistit v r\u00e1mci cestovn\u00edho poji\u0161t\u011bn\u00ed. Poji\u0161\u0165ovny nab\u00edz\u00ed nap\u0159\u00edklad ochranu majetku pro p\u0159\u00edpad kr\u00e1de\u017ee nebo po\u0161kozen\u00ed p\u0159i po\u017e\u00e1ru, z\u00e1plav\u011b \u010di t\u0159eba hav\u00e1rii vodovodn\u00edho potrub\u00ed. Vp\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti v\u00e1m daj\u00ed byt do po\u0159\u00e1dku, zat\u00edmco vy budete v zahrani\u010d\u00ed.<\/p>\n

Poji\u0161t\u011bn\u00ed \u2013 uzav\u0159\u00edt cestovn\u00ed poji\u0161t\u011bn\u00ed. Odjet na dovolenou bez uzav\u0159en\u00e9ho poji\u0161t\u011bn\u00ed je zbyte\u010dn\u00fd hazard, kter\u00fd m\u016f\u017ee st\u00e1t a\u017e n\u011bkolik set tis\u00edc. M\u016f\u017eete skon\u010dit se zlomenou rukou nebo s operac\u00ed slep\u00e9ho st\u0159eva. Do telefonu si ulo\u017ete kontakt na asisten\u010dn\u00ed slu\u017ebu ke sv\u00e9mu cestovn\u00edmu poji\u0161t\u011bn\u00ed.<\/p>\n

L\u00e9ky a o\u010dkov\u00e1n\u00ed \u2013 ov\u011b\u0159it nutnost o\u010dkov\u00e1n\u00ed, zabalit s sebou l\u00e9ky, kter\u00e9 v\u00e1m p\u0159edepsal l\u00e9ka\u0159 a voln\u011b prodejn\u00e9 l\u00e9ky na nej\u010dast\u011bj\u0161\u00ed zdravotn\u00ed obt\u00ed\u017ee. P\u0159ed odjezdem zkontrolujte stav l\u00e9k\u016f ve va\u0161\u00ed cestovn\u00ed l\u00e9k\u00e1rni\u010dce. Nem\u011bla by chyb\u011bt dezinfekce, n\u00e1plasti a obvaz, o\u010dn\u00ed kapky, l\u00e9ky proti bolesti, teplot\u011b a pr\u016fjmu, l\u00e9ky ti\u0161\u00edc\u00ed alergick\u00e9 reakce a kr\u00e9m na zklidn\u011bn\u00ed sp\u00e1len\u00e9 poko\u017eky.<\/p>\n

Auto \u2013 cestujete-li automobilem, nezapome\u0148te si vz\u00edt \u010desk\u00fd i mezin\u00e1rodn\u00ed \u0159idi\u010dsk\u00fd a technick\u00fd pr\u016fkaz, zelenou kartu k povinn\u00e9mu ru\u010den\u00ed. Na dobu dovolen\u00fdch je mo\u017en\u00e9 pojistit havarijn\u011b automobil i na krat\u0161\u00ed dobu \u2013 nap\u0159\u00edklad na 14 dn\u00ed.<\/p>\n

Zv\u00ed\u0159ata \u2013 zajistit p\u00e9\u010di, pokud s v\u00e1mi zv\u00ed\u0159ata nejedou na dovolenou. I svou ko\u010dku nebo psa si v\u0161ak m\u016f\u017eete u vybran\u00fdch poji\u0161\u0165oven nechat na cesty pojistit v r\u00e1mci cestovn\u00edho poji\u0161t\u011bn\u00ed. Takov\u00e9 poji\u0161t\u011bn\u00ed kryje nezbytn\u00e9 veterin\u00e1rn\u00ed v\u00fdlohy v p\u0159\u00edpad\u011b \u00farazu \u010di n\u00e1hl\u00e9ho onemocn\u011bn\u00ed.<\/p>\n

Telefon \u2013 aktivovat nebo ov\u011b\u0159it roaming, p\u0159\u00edpadn\u011b dob\u00edt kredit.<\/p>\n

Jazyk \u2013 nau\u010dit se p\u00e1r z\u00e1kladn\u00edch slov\u00ed\u010dek a fr\u00e1z\u00ed dan\u00e9 zem\u011b nebo vz\u00edt slovn\u00ed\u010dek.<\/p>\n

Ostatn\u00ed \u2013 poprosit p\u0159\u00edbuzn\u00e9 nebo sousedy o zal\u00e9v\u00e1n\u00ed kv\u011btin, vyb\u00edr\u00e1n\u00ed po\u0161tovn\u00ed schr\u00e1nky.<\/p>\n

Zdroj: \u010cesk\u00e1 poji\u0161\u0165ovna<\/p>\n","protected":false},"excerpt":{"rendered":"

Jak vy\u0159e\u0161it probl\u00e9my co nejm\u00e9n\u011b bolestivou cestou? Je mo\u017en\u00e9 si nezkazit dovolenou zlomeninou nohy, \u00fapalem \u010di vyra\u017een\u00fdm zubem? Kdy\u017e u\u017e k \u00farazu \u010di komplikaci dojde, […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-6319","post","type-post","status-publish","format-standard","hentry","category-poradna"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/6319","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6319"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/6319\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6319"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6319"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6319"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}