{"id":10172,"date":"2018-04-05T21:11:19","date_gmt":"2018-04-05T19:11:19","guid":{"rendered":"https:\/\/ilbackpacker.it\/?p=10172"},"modified":"2026-10-29T00:23:58","modified_gmt":"2026-10-28T23:23:58","slug":"cestovni-pojisteni","status":"publish","type":"post","link":"https:\/\/ilbackpacker.it\/cs\/zacni-tady\/bezpecnost\/cestovni-pojisteni\/","title":{"rendered":"Nejlep\u0161\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed pro backpackery v roce 2026"},"content":{"rendered":"<p style=\"text-align: center;\"><em>N\u011bkter\u00e9 odkazy na t\u00e9to str\u00e1nce jsou affiliate. Pokud si p\u0159es n\u011b sjedn\u00e1\u0161 pojistku, m\u016f\u017eu dostat malou provizi a tebe to nebude st\u00e1t nic nav\u00edc. Pokud ti tenhle pr\u016fvodce pom\u016f\u017ee, je to snadn\u00fd zp\u016fsob, jak web podpo\u0159it. D\u011bkuju!<\/em><\/p>\r\n<p style=\"text-align: left;\">Cestovn\u00ed poji\u0161t\u011bn\u00ed je jedna z t\u011bch v\u011bc\u00ed, kter\u00e9 si kupuje\u0161 v nad\u011bji, \u017ee je nikdy nebude\u0161 pot\u0159ebovat. M\u016f\u017ee p\u016fsobit jako zbyte\u010dn\u00fd v\u00fddaj, hlavn\u011b kdy\u017e se sna\u017e\u00ed\u0161 cestovat levn\u011b, ale mo\u017en\u00e9 n\u00e1sledky cestov\u00e1n\u00ed bez poji\u0161t\u011bn\u00ed jsou prost\u011b p\u0159\u00edli\u0161 velk\u00e9 na to, abych je ignoroval.<\/p>\r\n<p style=\"text-align: left;\">Dobr\u00e1 pojistka m\u016f\u017ee kr\u00fdt neodkladn\u00e9 l\u00e9\u010debn\u00e9 v\u00fdlohy, evakuaci a repatriaci, odpov\u011bdnost za \u0161kodu, ztracen\u00e1 nebo ukraden\u00e1 zavazadla, p\u0159eru\u0161en\u00ed cesty a dal\u0161\u00ed ne\u010dekan\u00e9 v\u00fddaje. Podstatn\u00e9 nen\u00ed jen koupit tu nejlevn\u011bj\u0161\u00ed pojistku, ale pochopit, co doopravdy kryje.<\/p>\r\n<p style=\"text-align: left;\"><a href=\"#best\"><strong>P\u0159ejdi rovnou na srovn\u00e1n\u00ed cestovn\u00edch poji\u0161t\u011bn\u00ed.<\/strong><\/a><\/p>\r\n\r\n<h2 style=\"text-align: left;\"><b>Co by m\u011blo cestovn\u00ed poji\u0161t\u011bn\u00ed kr\u00fdt?<\/b><\/h2>\r\n<p style=\"text-align: left;\">Pro m\u011b jsou nade v\u0161e d\u016fle\u017eit\u00e9 dv\u011b v\u011bci:<\/p>\r\n\r\n<ul style=\"text-align: left;\">\r\n \t<li><strong>Neodkladn\u00e9 l\u00e9\u010debn\u00e9 v\u00fdlohy a evakuace:<\/strong> o\u0161et\u0159en\u00ed v nemocnici, n\u00e1v\u0161t\u011bvy l\u00e9ka\u0159e, p\u0159evoz sanitkou, l\u00e9ka\u0159sk\u00e1 evakuace a repatriace m\u016f\u017eou b\u00fdt v zahrani\u010d\u00ed extr\u00e9mn\u011b drah\u00e9.<\/li>\r\n \t<li><strong>Odpov\u011bdnost za \u0161kodu:<\/strong> kryje ur\u010dit\u00e9 n\u00e1klady, pokud n\u011bkoho necht\u011bn\u011b zran\u00ed\u0161 nebo po\u0161kod\u00ed\u0161 ciz\u00ed majetek.<\/li>\r\n<\/ul>\r\n<p style=\"text-align: left;\">V\u0161echno ostatn\u00ed je a\u017e druho\u0159ad\u00e9. Zavazadla, zpo\u017ed\u011bn\u00ed a storno m\u016f\u017eou m\u00edt i tak svou hodnotu, ale ztr\u00e1ta batohu je finan\u010dn\u011b nep\u0159\u00edjemn\u00e1; v\u00e1\u017en\u00e1 zdravotn\u00ed nehoda m\u016f\u017ee b\u00fdt finan\u010dn\u011b katastrof\u00e1ln\u00ed. Proto si nikdy nevyb\u00edr\u00e1m pojistku jen proto, \u017ee je levn\u00e1.<\/p>\r\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"img-fluid\" src=\"https:\/\/ilbackpacker.it\/wp-content\/uploads\/2018\/04\/trekking_nepal.jpg\" alt=\"\" width=\"1110\" height=\"624\" \/><\/p>\r\n<p style=\"text-align: center;\"><em>Trek v Nep\u00e1lu.<\/em><\/p>\r\n<p style=\"text-align: left;\"><strong>Dal\u0161\u00ed v\u011bci, kter\u00e9 stoj\u00ed za to zkontrolovat:<\/strong><\/p>\r\n\r\n<ul style=\"text-align: left;\">\r\n \t<li><strong>Adrenalinov\u00e9 sporty a treky:<\/strong> ly\u017eov\u00e1n\u00ed, pot\u00e1p\u011bn\u00ed, horolezectv\u00ed a vysokohorsk\u00e9 treky m\u00edvaj\u00ed \u010dasto specifick\u00e9 limity nebo vy\u017eaduj\u00ed p\u0159ipoji\u0161t\u011bn\u00ed.<\/li>\r\n \t<li><strong>P\u00e1tr\u00e1n\u00ed a z\u00e1chrana:<\/strong> l\u00e9ka\u0159sk\u00e1 evakuace a p\u00e1trac\u00ed a z\u00e1chrann\u00e1 akce nejsou v\u017edycky tot\u00e9\u017e. Na tom z\u00e1le\u017e\u00ed, pokud chod\u00ed\u0161 po odlehl\u00fdch oblastech.<\/li>\r\n \t<li><strong>Pr\u00e1ce a dobrovolnictv\u00ed:<\/strong> n\u011bkter\u00e9 pojistky kryj\u00ed nemanu\u00e1ln\u00ed pr\u00e1ci, ale vylu\u010duj\u00ed manu\u00e1ln\u00ed pr\u00e1ci nebo n\u011bkter\u00e9 dobrovolnick\u00e9 \u010dinnosti.<\/li>\r\n \t<li><strong>Zavazadla a elektronika:<\/strong> zkontroluj celkov\u00fd limit na zavazadla i limit na jednu v\u011bc. Fotoapar\u00e1ty, notebooky a telefony m\u00edvaj\u00ed \u010dasto zvl\u00e1\u0161tn\u00ed omezen\u00ed.<\/li>\r\n \t<li><strong>P\u0159edchoz\u00ed zdravotn\u00ed pot\u00ed\u017ee:<\/strong> n\u011bkte\u0159\u00ed pojistitel\u00e9 je \u00fapln\u011b vylu\u010duj\u00ed, jin\u00ed m\u016f\u017eou ur\u010dit\u00e9 pot\u00ed\u017ee kr\u00fdt po zdravotn\u00edm posouzen\u00ed.<\/li>\r\n \t<li><strong>Spolu\u00fa\u010dast:<\/strong> to je \u010d\u00e1st kryt\u00e9 pojistn\u00e9 ud\u00e1losti, kterou mus\u00ed\u0161 zaplatit s\u00e1m, ne\u017e ti poji\u0161\u0165ovna proplat\u00ed zbytek.<\/li>\r\n<\/ul>\r\n<p style=\"text-align: left;\"><strong>B\u011b\u017en\u00e9 v\u00fdluky<\/strong><\/p>\r\n<p style=\"text-align: left;\">Ka\u017ed\u00e1 pojistka je jin\u00e1, ale mezi b\u011b\u017en\u00e9 v\u00fdluky pat\u0159\u00ed \u010dinnosti, kter\u00e9 nebyly nahl\u00e1\u0161en\u00e9 nebo nejsou kryt\u00e9, ud\u00e1losti spojen\u00e9 s alkoholem nebo drogami, n\u011bkter\u00e9 p\u0159edchoz\u00ed zdravotn\u00ed pot\u00ed\u017ee, \u0161kody na p\u016fj\u010den\u00fdch vozidlech a cesty do oblast\u00ed, kter\u00e9 pojistka vylu\u010duje. Nikdy se nespol\u00e9hej jen na marketingovou str\u00e1nku: p\u0159ed koup\u00ed si p\u0159e\u010dti pojistn\u00e9 podm\u00ednky.<\/p>\r\n\r\n<div id=\"best\" style=\"text-align: left;\"><\/div>\r\n<h2 style=\"text-align: left;\"><b>Nejlep\u0161\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed pro backpackery v roce 2026: srovn\u00e1n\u00ed<\/b><\/h2>\r\n<p style=\"text-align: left;\">Moment\u00e1ln\u011b srovn\u00e1v\u00e1m \u0161est spole\u010dnost\u00ed, kter\u00e9 jsou obzvl\u00e1\u0161\u0165 zaj\u00edmav\u00e9 pro backpackery, dlouhodob\u00e9 cestovatele a digit\u00e1ln\u00ed nom\u00e1dy: True Traveller, Heymondo, SafetyWing, Genki, Globelink a World Nomads.<\/p>\r\n<p style=\"text-align: left;\">Ceny hodn\u011b z\u00e1vis\u00ed na tv\u00e9m v\u011bku, zemi pobytu, destinaci, d\u00e9lce cesty a zvolen\u00fdch mo\u017enostech, tak\u017ee si nemysl\u00edm, \u017ee by srovn\u00e1n\u00ed pevn\u00fdch cen bylo n\u011bjak zvl\u00e1\u0161\u0165 u\u017eite\u010dn\u00e9. Tabulka n\u00ed\u017ee se m\u00edsto toho zam\u011b\u0159uje na rozd\u00edly, na kter\u00fdch p\u0159i dlouhodob\u00e9m cestov\u00e1n\u00ed opravdu z\u00e1le\u017e\u00ed.<\/p>\r\n\r\n<div style=\"overflow-x: auto;\">\r\n<table style=\"width: 100%; border-collapse: collapse;\">\r\n<thead>\r\n<tr>\r\n<th style=\"text-align: left;\">Poji\u0161t\u011bn\u00ed<\/th>\r\n<th style=\"text-align: left;\">U\u017e jsi na cest\u011b<\/th>\r\n<th style=\"text-align: left;\">Flexibilita na dlouh\u00e9 cesty<\/th>\r\n<th style=\"text-align: left;\">Treky \/ dobrodru\u017estv\u00ed<\/th>\r\n<th style=\"text-align: left;\">Odkaz<\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td><strong>True Traveller<\/strong><\/td>\r\n<td>Ano, u v\u011bt\u0161iny kryt\u00ed s 48hodinovou \u010dekac\u00ed dobou<\/td>\r\n<td>Pojistky pro backpackery, na jednosm\u011brn\u00e9 cesty a pro ty, kdo u\u017e cestuj\u00ed<\/td>\r\n<td>S odpov\u00eddaj\u00edc\u00edm bal\u00ed\u010dkem aktivit \u017e\u00e1dn\u00fd v\u00fd\u0161kov\u00fd limit pro treky<\/td>\r\n<td><a href=\"https:\/\/www.truetraveller.com\/?tag=4486\"><strong>Z\u00edskat nab\u00eddku<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Heymondo<\/strong><\/td>\r\n<td>Pokud u\u017e jsi odcestoval, ov\u011b\u0159 si aktu\u00e1ln\u00ed podm\u00ednky<\/td>\r\n<td>Long Stay od 90 dn\u00ed, d\u00e1 se prodlou\u017eit b\u011bhem cesty<\/td>\r\n<td>V Long Stay do 3000 m; s p\u0159ipoji\u0161t\u011bn\u00edm adrenalinov\u00fdch sport\u016f do 5000 m<\/td>\r\n<td><a href=\"https:\/\/heymondo.com\/?utm_medium=Afiliado&amp;utm_source=ILBACKPACKER&amp;utm_campaign=PRINCIPAL&amp;cod_descuento=ILBACKPACKER&amp;ag_campaign=INPUT&amp;agencia=3e3e0e90cc3ad100e738962ea2e0b0be8d69\"><strong>Z\u00edskat nab\u00eddku<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>SafetyWing<\/strong><\/td>\r\n<td>Ano<\/td>\r\n<td>Essential a\u017e na 364 dn\u00ed najednou; Complete m\u016f\u017ee pokra\u010dovat dlouhodob\u011b<\/td>\r\n<td>K dispozici p\u0159ipoji\u0161t\u011bn\u00ed adrenalinov\u00fdch sport\u016f<\/td>\r\n<td><a href=\"https:\/\/safetywing.com\/a\/24758389\"><strong>Z\u00edskat nab\u00eddku<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Genki Traveler<\/strong><\/td>\r\n<td>Ano<\/td>\r\n<td>Kryt\u00ed na m\u011bs\u00ed\u010dn\u00ed b\u00e1zi a\u017e na 1 rok<\/td>\r\n<td>Zam\u011b\u0159en\u00e9 hlavn\u011b na zdrav\u00ed na cest\u00e1ch, ne na \u0161irok\u00e9 cestovn\u00ed kryt\u00ed<\/td>\r\n<td><a href=\"https:\/\/genki.world\/with\/ilbackpacker\"><strong>Z\u00edskat nab\u00eddku<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Globelink<\/strong><\/td>\r\n<td>Ano, p\u0159es poji\u0161t\u011bn\u00ed Already Traveling<\/td>\r\n<td>Cesty pro backpackery a\u017e na 15 m\u011bs\u00edc\u016f, obvykle s mo\u017enost\u00ed prodlou\u017een\u00ed na 18 m\u011bs\u00edc\u016f<\/td>\r\n<td>V poji\u0161t\u011bn\u00ed Backpacker treky do 3500 m v cen\u011b<\/td>\r\n<td><a href=\"https:\/\/www.globelink.co.uk\/glaff.php?afflnk=k8l-L51-9OE-0m5\"><strong>Z\u00edskat nab\u00eddku<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>World Nomads<\/strong><\/td>\r\n<td>Ano, obvykle se 72hodinovou \u010dekac\u00ed dobou<\/td>\r\n<td>Pojistky se daj\u00ed prodlou\u017eit b\u011bhem cesty, podle pojistn\u00fdch podm\u00ednek<\/td>\r\n<td>Evropsk\u00e9 pojistky m\u016f\u017eou p\u0159i zvolen\u00ed kr\u00fdt treky do 6000 m<\/td>\r\n<td><a href=\"https:\/\/www.dpbolvw.net\/click-100712672-15403748\"><strong>Z\u00edskat nab\u00eddku<\/strong><\/a><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<p style=\"text-align: left;\">Pokud se chce\u0161 pono\u0159it do \u010d\u00edsel a jednotliv\u00fdch limit\u016f kryt\u00ed, m\u016f\u017ee\u0161 se pod\u00edvat i do m\u00e9 <a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/1SOaj837pp4YZilMBttywQrDJoE6uckpUfhRnP1csV-c\/edit?usp=sharing\">podrobn\u00e9 srovn\u00e1vac\u00ed tabulky<\/a>. V\u017edycky m\u011bj na pam\u011bti, \u017ee podm\u00ednky se m\u016f\u017eou li\u0161it podle zem\u011b pobytu a \u010dasem se m\u016f\u017eou m\u011bnit.<\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>True Traveller<\/b><\/h3>\r\n<p style=\"text-align: left;\"><a href=\"https:\/\/www.truetraveller.com\/?tag=4486\">True Traveller<\/a> z\u016fst\u00e1v\u00e1 jednou z nejzaj\u00edmav\u011bj\u0161\u00edch mo\u017enost\u00ed pro evropsk\u00e9 backpackery, proto\u017ee je extr\u00e9mn\u011b flexibiln\u00ed. Nab\u00edz\u00ed poji\u0161t\u011bn\u00ed pro backpackery, na jednosm\u011brn\u00e9 cesty, na v\u00edce cest i pro ty, kdo u\u017e cestuj\u00ed, a je obzvl\u00e1\u0161\u0165 siln\u00e9, pokud tvoje cesta zahrnuje aktivity, kter\u00e9 b\u011b\u017en\u00e9 cestovn\u00ed poji\u0161t\u011bn\u00ed \u010dasto vylu\u010duje.<\/p>\r\n<p style=\"text-align: left;\">Standardn\u00ed pojistka zahrnuje velk\u00e9 mno\u017estv\u00ed aktivit a voliteln\u00e9 bal\u00ed\u010dky Adventure, Extreme a Ultimate ten seznam v\u00fdrazn\u011b roz\u0161i\u0159uj\u00ed. U trek\u016f sah\u00e1 standardn\u00ed kryt\u00ed do 3000 metr\u016f, bal\u00ed\u010dek Adventure Pack do 4600 metr\u016f a Extreme Pack m\u016f\u017ee kr\u00fdt treky nad 4600 metr\u016f.<\/p>\r\n<p style=\"text-align: left;\">Dal\u0161\u00ed velkou v\u00fdhodou je, \u017ee si pojistku m\u016f\u017ee\u0161 koupit, i kdy\u017e u\u017e je tvoje cesta v pln\u00e9m proudu. V takov\u00e9m p\u0159\u00edpad\u011b je moment\u00e1ln\u011b u v\u011bt\u0161iny kryt\u00ed \u010dekac\u00ed doba 48 hodin a samoz\u0159ejm\u011b nic, co se stalo p\u0159ed za\u010d\u00e1tkem poji\u0161t\u011bn\u00ed, kryt\u00e9 nen\u00ed.<\/p>\r\n<p style=\"text-align: left;\">True Traveller v\u00fdslovn\u011b nab\u00edz\u00ed i <strong>cestovn\u00ed poji\u0161t\u011bn\u00ed na jednosm\u011brnou cestu<\/strong>, co\u017e se hod\u00ed backpacker\u016fm, kte\u0159\u00ed je\u0161t\u011b p\u0159esn\u011b nev\u011bd\u00ed, kdy se vr\u00e1t\u00ed dom\u016f.<\/p>\r\n<p style=\"text-align: left;\"><b>True Traveller v kostce:<\/b><\/p>\r\n\r\n<ul style=\"text-align: left;\">\r\n \t<li>K dispozici pro obyvatele Spojen\u00e9ho kr\u00e1lovstv\u00ed a mnoha evropsk\u00fdch zem\u00ed.<\/li>\r\n \t<li>D\u00e1 se koupit, i kdy\u017e u\u017e cestuje\u0161.<\/li>\r\n \t<li>K dispozici kryt\u00ed na jednosm\u011brnou cestu.<\/li>\r\n \t<li>Velmi \u0161irok\u00e9 kryt\u00ed aktivit s voliteln\u00fdmi roz\u0161\u00ed\u0159en\u00edmi.<\/li>\r\n \t<li>Treky nad 4600 m se daj\u00ed kr\u00fdt s odpov\u00eddaj\u00edc\u00edm bal\u00ed\u010dkem.<\/li>\r\n \t<li>P\u0159edchoz\u00ed zdravotn\u00ed pot\u00ed\u017ee m\u016f\u017eou vy\u017eadovat zdravotn\u00ed posouzen\u00ed.<\/li>\r\n<\/ul>\r\n<p style=\"text-align: left;\"><a href=\"https:\/\/www.truetraveller.com\/?tag=4486\"><strong>Z\u00edskat nab\u00eddku od True Traveller<\/strong><\/a><\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>Heymondo<\/b><\/h3>\r\n<p style=\"text-align: left;\"><a href=\"https:\/\/heymondo.com\/?utm_medium=Afiliado&amp;utm_source=ILBACKPACKER&amp;utm_campaign=PRINCIPAL&amp;cod_descuento=ILBACKPACKER&amp;ag_campaign=INPUT&amp;agencia=3e3e0e90cc3ad100e738962ea2e0b0be8d69\">Heymondo<\/a> nab\u00edz\u00ed t\u0159i hlavn\u00ed typy cestovn\u00edho poji\u0161t\u011bn\u00ed: poji\u0161t\u011bn\u00ed na jednu cestu, ro\u010dn\u00ed poji\u0161t\u011bn\u00ed na v\u00edce cest a Long Stay.<\/p>\r\n<p style=\"text-align: left;\">Hlavn\u00ed d\u016fvod, pro\u010d m\u00e1m Heymondo r\u00e1d, je jednoduchost. Asistenci, l\u00e9ka\u0159sk\u00fd chat i pojistn\u00e9 ud\u00e1losti vy\u0159\u00edd\u00ed\u0161 p\u0159es aplikaci a pojistky kombinuj\u00ed l\u00e9\u010debn\u00e9 v\u00fdlohy se zavazadly, repatriac\u00ed, odpov\u011bdnost\u00ed a kryt\u00edm komplikac\u00ed na cest\u011b.<\/p>\r\n<p style=\"text-align: left;\">Na dlouh\u00e9 cesty je ur\u010den\u00e1 <a href=\"https:\/\/heymondo.com\/?utm_medium=Afiliado&amp;utm_source=ILBACKPACKER&amp;utm_campaign=PRINCIPAL&amp;cod_descuento=ILBACKPACKER&amp;ag_campaign=INPUT&amp;agencia=3e3e0e90cc3ad100e738962ea2e0b0be8d69&amp;redirect=LARGA_ESTANCIA\">pojistka Long Stay<\/a>, kter\u00e1 je navr\u017een\u00e1 pro cesty del\u0161\u00ed ne\u017e 90 dn\u00ed a d\u00e1 se b\u011bhem cestov\u00e1n\u00ed prodlou\u017eit ve tv\u00e9m \u00fa\u010dtu nebo v aplikaci. Sou\u010dasn\u00fd produkt Long Stay zahrnuje l\u00e9\u010debn\u00e9 v\u00fdlohy a\u017e do 2,5 milionu US$ a spolu\u00fa\u010dast 250 US$ u l\u00e9\u010debn\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed.<\/p>\r\n<p style=\"text-align: left;\">Standardn\u00ed seznam aktivit v Long Stay zahrnuje treky pod 3000 metr\u016f. S p\u0159ipoji\u0161t\u011bn\u00edm adrenalinov\u00fdch sport\u016f se daj\u00ed kr\u00fdt treky a\u017e do 5000 metr\u016f, co\u017e se hod\u00ed pro spoustu him\u00e1lajsk\u00fdch a andsk\u00fdch itiner\u00e1\u0159\u016f, i kdy\u017e ne ka\u017ed\u00fd vysokohorsk\u00fd trek se do tohoto limitu vejde.<\/p>\r\n<p style=\"text-align: left;\"><b>Heymondo v kostce:<\/b><\/p>\r\n\r\n<ul style=\"text-align: left;\">\r\n \t<li>Produkty na jednu cestu, ro\u010dn\u00ed na v\u00edce cest a Long Stay.<\/li>\r\n \t<li>Ro\u010dn\u00ed pojistky na v\u00edce cest kryj\u00ed jednotliv\u00e9 cesty a\u017e do 60 dn\u00ed.<\/li>\r\n \t<li>Long Stay je navr\u017een\u00e9 pro cesty del\u0161\u00ed ne\u017e 90 dn\u00ed a d\u00e1 se prodlou\u017eit b\u011bhem cestov\u00e1n\u00ed.<\/li>\r\n \t<li>Asistence 24\/7, l\u00e9ka\u0159sk\u00fd chat a pojistn\u00e9 ud\u00e1losti p\u0159es aplikaci.<\/li>\r\n \t<li>K dispozici p\u0159ipoji\u0161t\u011bn\u00ed adrenalinov\u00fdch sport\u016f.<\/li>\r\n \t<li>Long Stay moment\u00e1ln\u011b uplat\u0148uje spolu\u00fa\u010dast u l\u00e9\u010debn\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed.<\/li>\r\n<\/ul>\r\n<p style=\"text-align: left;\"><a href=\"https:\/\/heymondo.com\/?utm_medium=Afiliado&amp;utm_source=ILBACKPACKER&amp;utm_campaign=PRINCIPAL&amp;cod_descuento=ILBACKPACKER&amp;ag_campaign=INPUT&amp;agencia=3e3e0e90cc3ad100e738962ea2e0b0be8d69\"><strong>Z\u00edskat nab\u00eddku od Heymondo<\/strong><\/a><\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>SafetyWing<\/b><\/h3>\r\n<p style=\"text-align: left;\"><a href=\"https:\/\/safetywing.com\/a\/24758389\">SafetyWing<\/a> je postaven\u00e9 na m\u00edru dlouhodob\u00fdm cestovatel\u016fm a digit\u00e1ln\u00edm nom\u00e1d\u016fm. Sou\u010dasn\u00fd produkt Nomad Insurance m\u00e1 dv\u011b \u00farovn\u011b: Essential a Complete.<\/p>\r\n<p style=\"text-align: left;\">Essential je cestovn\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed pro ne\u010dekan\u00e9 nemoci a \u00farazy a d\u00e1 se koupit p\u0159ed odjezdem i b\u011bhem pobytu v zahrani\u010d\u00ed. Kryt\u00ed m\u016f\u017ee trvat a\u017e 364 dn\u00ed najednou. Zahrnuje i n\u011bkter\u00e9 cestovn\u00ed v\u00fdhody, jako je ztr\u00e1ta odbaven\u00e9ho zavazadla, zpo\u017ed\u011bn\u00ed na cest\u011b a nouzov\u00e1 evakuace.<\/p>\r\n<p style=\"text-align: left;\">Complete m\u00e1 bl\u00ed\u017e k mezin\u00e1rodn\u00edmu zdravotn\u00edmu poji\u0161t\u011bn\u00ed a p\u0159id\u00e1v\u00e1 b\u011b\u017enou p\u00e9\u010di, podporu du\u0161evn\u00edho zdrav\u00ed a dal\u0161\u00ed v\u00fdhody, s pr\u016fb\u011b\u017en\u00fdm kryt\u00edm, kter\u00e9 m\u016f\u017ee pokra\u010dovat dlouhodob\u011b. SafetyWing nab\u00edz\u00ed i voliteln\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed pro USA, adrenalinov\u00e9 sporty a kr\u00e1de\u017e elektroniky.<\/p>\r\n<p style=\"text-align: left;\"><b>SafetyWing v kostce:<\/b><\/p>\r\n\r\n<ul style=\"text-align: left;\">\r\n \t<li>Navr\u017een\u00e9 speci\u00e1ln\u011b pro nom\u00e1dy a dlouhodob\u00e9 cestovatele.<\/li>\r\n \t<li>D\u00e1 se koupit, i kdy\u017e u\u017e jsi v zahrani\u010d\u00ed.<\/li>\r\n \t<li>Essential kryje a\u017e 364 dn\u00ed najednou.<\/li>\r\n \t<li>Complete je navr\u017een\u00e9 pro pr\u016fb\u011b\u017en\u00e9 mezin\u00e1rodn\u00ed zdravotn\u00ed kryt\u00ed.<\/li>\r\n \t<li>Voliteln\u00e9 kryt\u00ed pro USA, adrenalinov\u00e9 sporty a elektroniku.<\/li>\r\n \t<li>Essential se zam\u011b\u0159uje na nov\u00e9 a ne\u010dekan\u00e9 zdravotn\u00ed probl\u00e9my, ne na b\u011b\u017enou zdravotn\u00ed p\u00e9\u010di.<\/li>\r\n<\/ul>\r\n<p style=\"text-align: left;\"><a href=\"https:\/\/safetywing.com\/a\/24758389\"><strong>Z\u00edskat nab\u00eddku od SafetyWing<\/strong><\/a><\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>Genki Traveler<\/b><\/h3>\r\n<p style=\"text-align: left;\"><a href=\"https:\/\/genki.world\/with\/ilbackpacker\">Genki<\/a> se od p\u016fvodn\u00ed verze tohoto \u010dl\u00e1nku dost zm\u011bnilo. Genki Explorer se u\u017e nov\u00fdm z\u00e1kazn\u00edk\u016fm neprod\u00e1v\u00e1; nahradil ho <strong>Genki Traveler<\/strong>.<\/p>\r\n<p style=\"text-align: left;\">Genki Traveler je cestovn\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed ur\u010den\u00e9 pro backpackery, \u010dast\u00e9 cestovatele a digit\u00e1ln\u00ed nom\u00e1dy. M\u016f\u017ee\u0161 si ho sjednat, i kdy\u017e u\u017e jsi mimo svou domovskou zemi, a kryt\u00ed m\u016f\u017ee trvat a\u017e jeden rok.<\/p>\r\n<p style=\"text-align: left;\">Sou\u010dasn\u00fd pl\u00e1n m\u00e1 celkov\u00fd limit l\u00e9\u010debn\u00fdch v\u00fdloh 1 milion \u20ac a spolu\u00fa\u010dast 50 \u20ac. Pokud si ho koup\u00ed\u0161, kdy\u017e u\u017e jsi v zahrani\u010d\u00ed, plat\u00ed obvykle \u010dekac\u00ed doba, b\u011bhem kter\u00e9 je kryt\u00ed omezen\u00e9, tak\u017ee tohle je pot\u0159eba pochopit d\u0159\u00edv, ne\u017e se na n\u011bj za\u010dne\u0161 hned spol\u00e9hat.<\/p>\r\n<p style=\"text-align: left;\">Genki je obzvl\u00e1\u0161\u0165 zaj\u00edmav\u00e9, pokud je tvou prioritou zdravotn\u00ed kryt\u00ed, a ne dlouh\u00fd seznam v\u00fdhod pro zavazadla, storno a ochranu cesty. Pro lidi, kte\u0159\u00ed pot\u0159ebuj\u00ed trval\u00e9 mezin\u00e1rodn\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed m\u00edsto cestovn\u00edho, te\u010f Genki nab\u00edz\u00ed i samostatn\u00e9 dlouhodob\u00e9 produkty.<\/p>\r\n<p style=\"text-align: left;\"><b>Genki Traveler v kostce:<\/b><\/p>\r\n\r\n<ul style=\"text-align: left;\">\r\n \t<li>Pro nov\u00e9 z\u00e1kazn\u00edky nahrazuje ukon\u010den\u00fd Genki Explorer.<\/li>\r\n \t<li>D\u00e1 se koupit, i kdy\u017e u\u017e jsi v zahrani\u010d\u00ed.<\/li>\r\n \t<li>Maxim\u00e1ln\u00ed doba trv\u00e1n\u00ed smlouvy jeden rok.<\/li>\r\n \t<li>Celkov\u00e9 zdravotn\u00ed kryt\u00ed 1 milion \u20ac.<\/li>\r\n \t<li>Spolu\u00fa\u010dast 50 \u20ac u sou\u010dasn\u00e9ho produktu Traveler.<\/li>\r\n \t<li>Zam\u011b\u0159en\u00e9 hlavn\u011b na zdravotn\u00ed kryt\u00ed pro cestovatele.<\/li>\r\n<\/ul>\r\n<p style=\"text-align: left;\"><a href=\"https:\/\/genki.world\/with\/ilbackpacker\"><strong>Z\u00edskat nab\u00eddku od Genki<\/strong><\/a><\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>Globelink<\/b><\/h3>\r\n<p style=\"text-align: left;\"><a href=\"https:\/\/www.globelink.co.uk\/glaff.php?afflnk=k8l-L51-9OE-0m5\">Globelink<\/a> je britsk\u00e1 poji\u0161\u0165ovna, kter\u00e1 prod\u00e1v\u00e1 pojistky opr\u00e1vn\u011bn\u00fdm obyvatel\u016fm Spojen\u00e9ho kr\u00e1lovstv\u00ed, EU a EHP. Pro backpackery byla v\u017edycky obzvl\u00e1\u0161\u0165 zaj\u00edmav\u00e1 d\u00edky dlouh\u00e9 maxim\u00e1ln\u00ed d\u00e9lce cest.<\/p>\r\n<p style=\"text-align: left;\">Produkt Backpacker m\u016f\u017ee kr\u00fdt cesty a\u017e na 15 m\u011bs\u00edc\u016f a obvykle se d\u00e1 prodlou\u017eit maxim\u00e1ln\u011b na 18 m\u011bs\u00edc\u016f. Levn\u011bj\u0161\u00ed \u00farove\u0148 Backpacker se zam\u011b\u0159uje hlavn\u011b na zdravotn\u00ed kryt\u00ed, zat\u00edmco vy\u0161\u0161\u00ed \u00farovn\u011b m\u016f\u017eou zahrnovat zavazadla a dal\u0161\u00ed v\u00fdhody.<\/p>\r\n<p style=\"text-align: left;\">Globelink m\u00e1 i mo\u017enost <a href=\"https:\/\/www.globelink.co.uk\/glaff.php?afflnk=L99-O7q-c2m-kNU\">Already Traveling<\/a>, pokud ses p\u0159ed odjezdem zapomn\u011bl pojistit nebo ti p\u0159edchoz\u00ed poji\u0161t\u011bn\u00ed vypr\u0161elo.<\/p>\r\n<p style=\"text-align: left;\">Dal\u0161\u00ed u\u017eite\u010dn\u00e1 v\u011bc pro backpackery je, \u017ee sou\u010dasn\u00e1 pojistka Backpacker standardn\u011b zahrnuje treky do 3500 metr\u016f, s dal\u0161\u00edmi aktivitami podle pojistky a zvolen\u00fdch mo\u017enost\u00ed.<\/p>\r\n<p style=\"text-align: left;\"><b>Globelink v kostce:<\/b><\/p>\r\n\r\n<ul style=\"text-align: left;\">\r\n \t<li>K dispozici pro opr\u00e1vn\u011bn\u00e9 obyvatele Spojen\u00e9ho kr\u00e1lovstv\u00ed, EU a EHP.<\/li>\r\n \t<li>K dispozici poji\u0161t\u011bn\u00ed Already Traveling.<\/li>\r\n \t<li>Cesty pro backpackery a\u017e na 15 m\u011bs\u00edc\u016f, obvykle s mo\u017enost\u00ed prodlou\u017een\u00ed na 18 m\u011bs\u00edc\u016f.<\/li>\r\n \t<li>V poji\u0161t\u011bn\u00ed Backpacker treky do 3500 m v cen\u011b.<\/li>\r\n \t<li>R\u016fzn\u00e9 \u00farovn\u011b kryt\u00ed podle toho, jestli pot\u0159ebuje\u0161 zavazadla a dal\u0161\u00ed v\u00fdhody.<\/li>\r\n<\/ul>\r\n<p style=\"text-align: left;\"><a href=\"https:\/\/www.globelink.co.uk\/glaff.php?afflnk=k8l-L51-9OE-0m5\"><strong>Z\u00edskat nab\u00eddku od Globelink<\/strong><\/a><\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>World Nomads<\/b><\/h3>\r\n<p style=\"text-align: left;\"><a href=\"https:\/\/www.dpbolvw.net\/click-100712672-15403748\">World Nomads<\/a> je jedna z nejzaveden\u011bj\u0161\u00edch cestovn\u00edch poji\u0161\u0165oven zam\u011b\u0159en\u00fdch na backpackery a cestovatele za dobrodru\u017estv\u00edm. Jej\u00ed nejv\u011bt\u0161\u00ed v\u00fdhodou je flexibilita: pojistku si m\u016f\u017ee\u0161 koupit, i kdy\u017e u\u017e jsi v zahrani\u010d\u00ed, a podle pojistn\u00fdch podm\u00ednek si m\u016f\u017ee\u0161 b\u011bhem cesty prodlou\u017eit st\u00e1vaj\u00edc\u00ed pojistku Single Trip.<\/p>\r\n<p style=\"text-align: left;\">U opr\u00e1vn\u011bn\u00fdch evropsk\u00fdch pojistek plat\u00ed p\u0159i koupi b\u011bhem cesty obvykle 72hodinov\u00e1 \u010dekac\u00ed doba, ne\u017e za\u010dne platit pln\u00e9 kryt\u00ed. Poji\u0161t\u011bn\u00ed Single Trip se obvykle d\u00e1 prodlou\u017eit a\u017e na maxim\u00e1ln\u00ed dobu, kterou povoluj\u00ed podm\u00ednky pro tvou zemi.<\/p>\r\n<p style=\"text-align: left;\">World Nomads je siln\u00e9 i na treky. Evropsk\u00e9 pojistky m\u016f\u017eou kr\u00fdt turistiku a\u017e do 6000 metr\u016f, pokud si p\u0159i koupi zvol\u00ed\u0161 odpov\u00eddaj\u00edc\u00ed \u00farove\u0148 aktivit. Jedn\u00edm d\u016fle\u017eit\u00fdm omezen\u00edm je, \u017ee <strong>p\u00e1tr\u00e1n\u00ed a z\u00e1chrana, kdy\u017e se ztrat\u00ed\u0161, jsou vylou\u010den\u00e9<\/strong>, i kdy\u017e l\u00e9ka\u0159sky nutn\u00e1 nouzov\u00e1 evakuace m\u016f\u017ee b\u00fdt kryt\u00e1 podle pojistn\u00fdch podm\u00ednek a po schv\u00e1len\u00ed.<\/p>\r\n<p style=\"text-align: left;\"><b>World Nomads v kostce:<\/b><\/p>\r\n\r\n<ul style=\"text-align: left;\">\r\n \t<li>D\u00e1 se koupit, i kdy\u017e u\u017e cestuje\u0161.<\/li>\r\n \t<li>Pojistky se daj\u00ed prodlou\u017eit b\u011bhem cesty, podle podm\u00ednek.<\/li>\r\n \t<li>P\u0159i koupi v zahrani\u010d\u00ed plat\u00ed pro evropsk\u00e9 z\u00e1kazn\u00edky obvykle 72hodinov\u00e1 \u010dekac\u00ed doba.<\/li>\r\n \t<li>U opr\u00e1vn\u011bn\u00fdch evropsk\u00fdch pojistek se daj\u00ed zvolit treky do 6000 m.<\/li>\r\n \t<li>\u0160irok\u00e1 nab\u00eddka dobrodru\u017en\u00fdch aktivit.<\/li>\r\n \t<li>P\u00e1trac\u00ed a z\u00e1chrann\u00e9 akce pro ztracen\u00e9ho cestovatele jsou podle evropsk\u00fdch podm\u00ednek vylou\u010den\u00e9.<\/li>\r\n<\/ul>\r\n<p style=\"text-align: left;\"><a href=\"https:\/\/www.dpbolvw.net\/click-100712672-15403748\"><strong>Z\u00edskat nab\u00eddku od World Nomads<\/strong><\/a><\/p>\r\n\r\n<h2 style=\"text-align: left;\"><b>\u010cast\u00e9 ot\u00e1zky o cestovn\u00edm poji\u0161t\u011bn\u00ed<\/b><\/h2>\r\n<h3 style=\"text-align: left;\"><b>Pot\u0159ebuju cestovn\u00ed poji\u0161t\u011bn\u00ed na cesty po Evrop\u011b?<\/b><\/h3>\r\n<p style=\"text-align: left;\">Pokud jsi kryt\u00fd ve\u0159ejn\u00fdm zdravotn\u00edm syst\u00e9mem n\u011bkter\u00e9 ze zem\u00ed EU, Evropsk\u00fd pr\u016fkaz zdravotn\u00edho poji\u0161t\u011bn\u00ed ti d\u00e1v\u00e1 p\u0159\u00edstup k l\u00e9ka\u0159sky nezbytn\u00e9 st\u00e1tn\u00ed zdravotn\u00ed p\u00e9\u010di b\u011bhem do\u010dasn\u00fdch pobyt\u016f v EU a n\u011bkolika p\u0159idru\u017een\u00fdch zem\u00edch za stejn\u00fdch podm\u00ednek, jak\u00e9 maj\u00ed lid\u00e9 poji\u0161t\u011bn\u00ed v dan\u00e9 zemi.<\/p>\r\n<p style=\"text-align: left;\">Evropsk\u00fd pr\u016fkaz zdravotn\u00edho poji\u0161t\u011bn\u00ed ale <strong>nen\u00ed n\u00e1hradou cestovn\u00edho poji\u0161t\u011bn\u00ed<\/strong>. Nekryje soukromou zdravotn\u00ed p\u00e9\u010di, repatriaci, ztracen\u00e9 nebo ukraden\u00e9 v\u011bci ani n\u011bkter\u00e9 n\u00e1klady na z\u00e1chranu. Podle typu cesty si proto i tak m\u016f\u017eu koupit pojistku jen na Evropu, kter\u00e1 tato dal\u0161\u00ed rizika pokryje. Ofici\u00e1ln\u00ed vysv\u011btlen\u00ed EU si m\u016f\u017ee\u0161 p\u0159e\u010d\u00edst <a href=\"https:\/\/europa.eu\/youreurope\/citizens\/health\/unplanned-healthcare\/temporary-stays\/index_en.htm\">tady<\/a>.<\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>Kolik stoj\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed?<\/b><\/h3>\r\n<p style=\"text-align: left;\">Neexistuje \u017e\u00e1dn\u00e9 u\u017eite\u010dn\u00e9 univerz\u00e1ln\u00ed \u010d\u00edslo. Cena z\u00e1vis\u00ed na tv\u00e9m v\u011bku, zemi pobytu, destinaci, na tom, jestli jsou zahrnut\u00e9 Spojen\u00e9 st\u00e1ty, na d\u00e9lce cesty, limitech l\u00e9\u010debn\u00fdch v\u00fdloh, spolu\u00fa\u010dasti a voliteln\u00fdch aktivit\u00e1ch. Del\u0161\u00ed pojistky maj\u00ed \u010dasto ni\u017e\u0161\u00ed pr\u016fm\u011brnou denn\u00ed cenu ne\u017e velmi kr\u00e1tk\u00e9, ale jedin\u00fd rozumn\u00fd zp\u016fsob, jak ceny porovnat, je zadat stejnou cestu do n\u011bkolika formul\u00e1\u0159\u016f pro v\u00fdpo\u010det nab\u00eddky.<\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>Kdy si m\u00e1m cestovn\u00ed poji\u0161t\u011bn\u00ed koupit?<\/b><\/h3>\r\n<p style=\"text-align: left;\">Pokud tvoje pojistka zahrnuje poji\u0161t\u011bn\u00ed stornovac\u00edch poplatk\u016f, kup si ji brzy po rezervaci cesty, aby kryt\u00ed storna za\u010dalo platit co nejd\u0159\u00edv. Pokud ti jde jen o zdravotn\u00ed kryt\u00ed, m\u016f\u017ee\u0161 si ji mo\u017en\u00e1 koupit bl\u00ed\u017e k odjezdu, ale i tak bych to nenech\u00e1val na posledn\u00ed chv\u00edli. Pojistky koupen\u00e9 po odjezdu m\u00edvaj\u00ed \u010dasto \u010dekac\u00ed dobu.<\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>Plat\u00ed poji\u0161\u0165ovna nemocnici p\u0159\u00edmo?<\/b><\/h3>\r\n<p style=\"text-align: left;\">Z\u00e1le\u017e\u00ed na poji\u0161\u0165ovn\u011b a na situaci. U drah\u00e9 nemocni\u010dn\u00ed p\u00e9\u010de nebo v nal\u00e9hav\u00fdch p\u0159\u00edpadech m\u016f\u017ee asisten\u010dn\u00ed slu\u017eba \u010dasto za\u0159\u00eddit p\u0159\u00edmou platbu nemocnici. Men\u0161\u00ed ambulantn\u00ed v\u00fddaje mo\u017en\u00e1 bude\u0161 muset nejd\u0159\u00edv zaplatit s\u00e1m a proplacen\u00ed n\u00e1rokovat pozd\u011bji. Pokud je situace v\u00e1\u017en\u00e1, kontaktuj poji\u0161\u0165ovnu co nejd\u0159\u00edv, m\u00edsto abys drahou l\u00e9\u010dbu za\u0159izoval s\u00e1m, leda\u017ee jde o bezprost\u0159edn\u00ed ohro\u017een\u00ed.<\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>Co je ro\u010dn\u00ed pojistka nebo pojistka na v\u00edce cest?<\/b><\/h3>\r\n<p style=\"text-align: left;\">Ro\u010dn\u00ed pojistka na v\u00edce cest kryje n\u011bkolik cest b\u011bhem 12 m\u011bs\u00edc\u016f. D\u016fle\u017eit\u00fdm detailem je, \u017ee ka\u017ed\u00e1 jednotliv\u00e1 cesta m\u00e1 obvykle maxim\u00e1ln\u00ed d\u00e9lku. Heymondo nap\u0159\u00edklad u sv\u00e9ho ro\u010dn\u00edho produktu moment\u00e1ln\u011b omezuje ka\u017edou cestu na 60 po sob\u011b jdouc\u00edch dn\u00ed. Pokud pl\u00e1nuje\u0161 cestovat nep\u0159etr\u017eit\u011b cel\u00e9 m\u011bs\u00edce, je obvykle vhodn\u011bj\u0161\u00ed pojistka na dlouh\u00fd pobyt nebo pro backpackery.<\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>M\u016f\u017eu si cestovn\u00ed poji\u0161t\u011bn\u00ed koupit, i kdy\u017e u\u017e jsem odjel?<\/b><\/h3>\r\n<p style=\"text-align: left;\">Ano, n\u011bkolik spole\u010dnost\u00ed z tohoto pr\u016fvodce to umo\u017e\u0148uje. <a href=\"https:\/\/www.truetraveller.com\/?tag=4486\">True Traveller<\/a>, <a href=\"https:\/\/www.dpbolvw.net\/click-100712672-15403748\">World Nomads<\/a>, <a href=\"https:\/\/safetywing.com\/a\/24758389\">SafetyWing<\/a>, <a href=\"https:\/\/genki.world\/with\/ilbackpacker\">Genki<\/a> a <a href=\"https:\/\/www.globelink.co.uk\/glaff.php?afflnk=L99-O7q-c2m-kNU\">Globelink<\/a> v sou\u010dasnosti nab\u00edzej\u00ed mo\u017enosti, jak si sjednat kryt\u00ed, kdy\u017e u\u017e jsi v zahrani\u010d\u00ed, podle sv\u00fdch pravidel zp\u016fsobilosti a \u010dekac\u00edch dob.<\/p>\r\n<p style=\"text-align: left;\">U <a href=\"https:\/\/heymondo.com\/?utm_medium=Afiliado&amp;utm_source=ILBACKPACKER&amp;utm_campaign=PRINCIPAL&amp;cod_descuento=ILBACKPACKER&amp;ag_campaign=INPUT&amp;agencia=3e3e0e90cc3ad100e738962ea2e0b0be8d69&amp;redirect=LARGA_ESTANCIA\">Heymondo Long Stay<\/a> je produkt navr\u017een\u00fd pro cesty del\u0161\u00ed ne\u017e 90 dn\u00ed a d\u00e1 se prodlou\u017eit b\u011bhem cestov\u00e1n\u00ed. Pokud u\u017e jsi odjel z domova a chce\u0161 si sjednat \u00fapln\u011b novou pojistku Heymondo, ov\u011b\u0159 si podm\u00ednky zp\u016fsobilosti zobrazen\u00e9 p\u0159i v\u00fdpo\u010dtu nab\u00eddky, ne\u017e se na ni spolehne\u0161.<\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>M\u016f\u017eu si cestovn\u00ed poji\u0161t\u011bn\u00ed prodlou\u017eit b\u011bhem cesty?<\/b><\/h3>\r\n<p style=\"text-align: left;\">\u010casto ano, ale postup se u jednotliv\u00fdch spole\u010dnost\u00ed li\u0161\u00ed. World Nomads a Globelink umo\u017e\u0148uj\u00ed prodlou\u017eit pojistky, kter\u00e9 spl\u0148uj\u00ed podm\u00ednky; True Traveller nab\u00edz\u00ed mo\u017enosti pro ty, kdo u\u017e cestuj\u00ed; SafetyWing a Genki jsou postaven\u00e9 na flexibiln\u00edm dlouhodob\u011bj\u0161\u00edm kryt\u00ed; a Heymondo Long Stay se d\u00e1 prodlou\u017eit p\u0159es web nebo aplikaci. Kdykoli to jde, prodlu\u017e si poji\u0161t\u011bn\u00ed d\u0159\u00edv, ne\u017e to sou\u010dasn\u00e9 vypr\u0161\u00ed.<\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>Co kdy\u017e m\u00e1m jednosm\u011brnou letenku nebo \u017e\u00e1dn\u00e9 pevn\u00e9 datum n\u00e1vratu?<\/b><\/h3>\r\n<p style=\"text-align: left;\">Tady se m\u016f\u017ee b\u011b\u017en\u00e9 poji\u0161t\u011bn\u00ed na dovolenou st\u00e1t nepraktick\u00fdm. <a href=\"https:\/\/www.truetraveller.com\/?tag=4486\">True Traveller<\/a> v\u00fdslovn\u011b prod\u00e1v\u00e1 kryt\u00ed na jednosm\u011brnou cestu. SafetyWing a Genki jsou postaven\u00e9 pro cestovatele a nom\u00e1dy, kte\u0159\u00ed nemus\u00ed m\u00edt klasick\u00e9 datum n\u00e1vratu, zat\u00edmco Heymondo Long Stay je navr\u017een\u00e9 pro cesty del\u0161\u00ed ne\u017e 90 dn\u00ed, u kter\u00fdch se datum n\u00e1vratu m\u016f\u017ee zm\u011bnit.<\/p>\r\n<p style=\"text-align: left;\">Globelink jednosm\u011brn\u00e9 cesty tak\u00e9 umo\u017e\u0148uje, ale jeho pojistn\u00e9 podm\u00ednky ur\u010duj\u00ed, kdy kryt\u00ed po dosa\u017een\u00ed c\u00edlov\u00e9 destinace kon\u010d\u00ed. Pokud emigruje\u0161 nebo pl\u00e1nuje\u0161 z\u016fstat v jedn\u00e9 zemi natrvalo, p\u0159e\u010dti si podm\u00ednky pozorn\u011b, proto\u017ee to m\u016f\u017ee vy\u017eadovat mezin\u00e1rodn\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed m\u00edsto cestovn\u00edho.<\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>Jak nahl\u00e1sit pojistnou ud\u00e1lost a nenad\u011blat si zbyte\u010dn\u00e9 probl\u00e9my?<\/b><\/h3>\r\n<p style=\"text-align: left;\">Kdy\u017e si pojistku koup\u00ed\u0161, st\u00e1hni si pojistn\u00e9 podm\u00ednky, certifik\u00e1t a nouzov\u00e9 kontakty a ulo\u017e si je n\u011bkam, kde k nim bude\u0161 m\u00edt p\u0159\u00edstup offline nebo z cloudu.<\/p>\r\n<p style=\"text-align: left;\">Pokud se n\u011bco stane, kontaktuj poji\u0161\u0165ovnu, jakmile to rozumn\u011b p\u016fjde. Schov\u00e1vej si ka\u017edou \u00fa\u010dtenku, l\u00e9ka\u0159skou zpr\u00e1vu, policejn\u00ed protokol, potvrzen\u00ed rezervace a ve\u0161kerou korespondenci. Pap\u00edrov\u00e9 doklady si vyfo\u0165 a digit\u00e1ln\u00ed kopie letenek a rezervac\u00ed ubytov\u00e1n\u00ed si nech, dokud cesta \u00fapln\u011b neskon\u010d\u00ed.<\/p>\r\n<p style=\"text-align: left;\">Tohle jsem se nau\u010dil na vlastn\u00ed k\u016f\u017ei. D\u0159\u00edv jsem b\u011bhem cestov\u00e1n\u00ed mazal potvrzen\u00ed rezervac\u00ed, a kdy\u017e jsem pak pot\u0159eboval n\u00e1rokovat proplacen\u00ed v\u00fddaj\u016f, musel jsem ztr\u00e1cet \u010das t\u00edm, \u017ee jsem od leteck\u00fdch spole\u010dnost\u00ed sh\u00e1n\u011bl star\u00e9 doklady, abych mohl zrekonstruovat svoje p\u0159esuny.<\/p>\r\n<p style=\"text-align: left;\">Pokud se situace zkomplikuje, ve\u010f si jednoduchou \u010dasovou osu s daty, \u010dasy, jm\u00e9ny, telefon\u00e1ty a e-maily. \u010c\u00edm sn\u00e1z se d\u00e1 p\u0159esn\u011b dolo\u017eit, co se stalo, t\u00edm sn\u00e1z se obvykle pojistn\u00e1 ud\u00e1lost vy\u0159izuje.<\/p>\r\n\r\n<h3 style=\"text-align: left;\"><b>Co je spolu\u00fa\u010dast?<\/b><\/h3>\r\n<p style=\"text-align: left;\">Spolu\u00fa\u010dast je \u010d\u00e1stka, kterou mus\u00ed\u0161 n\u00e9st s\u00e1m, ne\u017e ti poji\u0161\u0165ovna proplat\u00ed zbytek opr\u00e1vn\u011bn\u00e9ho n\u00e1roku. Pokud je tvoje spolu\u00fa\u010dast u l\u00e9\u010debn\u00fdch v\u00fdloh 50 \u20ac a opr\u00e1vn\u011bn\u00e1 n\u00e1v\u0161t\u011bva l\u00e9ka\u0159e stoj\u00ed 40 \u20ac, nedostane\u0161 nic. Pokud stoj\u00ed 80 \u20ac, poji\u0161\u0165ovna by ti proplatila 30 \u20ac, za p\u0159edpokladu, \u017ee je n\u00e1rok jinak kryt\u00fd.<\/p>\r\n<p style=\"text-align: left;\">Proto pojistka, kter\u00e1 na prvn\u00ed pohled vypad\u00e1 levn\u011bji, nemus\u00ed b\u00fdt automaticky v\u00fdhodn\u011bj\u0161\u00ed. V\u017edycky porovn\u00e1vej spolu\u00fa\u010dast spolu s pojistn\u00fdm a limity kryt\u00ed.<\/p>\r\n<p style=\"text-align: left;\">M\u00e1\u0161 n\u011bjak\u00e9 ot\u00e1zky nebo aktu\u00e1ln\u011bj\u0161\u00ed informace? Klidn\u011b zanech koment\u00e1\u0159 nebo mi napi\u0161 na <a href=\"https:\/\/www.instagram.com\/ilbackpacker\/\">Instagram<\/a>.<\/p>\r\n<p style=\"text-align: center;\"><em><strong>Pokud ti tento \u010dl\u00e1nek pomohl, zva\u017e, jestli si nesjedn\u00e1\u0161 cestovn\u00ed poji\u0161t\u011bn\u00ed p\u0159es n\u011bkter\u00fd z odkaz\u016f na t\u00e9to str\u00e1nce. Podpo\u0159\u00ed\u0161 t\u00edm moji pr\u00e1ci a tebe to nebude st\u00e1t nic nav\u00edc. D\u011bkuju!<\/strong><\/em><\/p>\r\n<p style=\"text-align: center;\"><em><a href=\"https:\/\/www.paypal.com\/donate\/?hosted_button_id=QTBBEQQCE37GA\">Na dary, pizzu a virtu\u00e1ln\u00ed pivo<\/a> \ud83d\ude42<\/em><\/p>\r\n<p style=\"text-align: center;\"><strong><em>L\u00edbil se ti tento \u010dl\u00e1nek? P\u0159ipni si ho!<\/em><\/strong><\/p>\r\n<img decoding=\"async\" class=\"aligncenter size-full wp-image-7637\" src=\"https:\/\/ilbackpacker.it\/wp-content\/uploads\/2024\/04\/Come-scegliere-ECONOMICA-AFFIDABILE.png\" alt=\"\" width=\"330\" height=\"495\" srcset=\"https:\/\/ilbackpacker.it\/wp-content\/uploads\/2024\/04\/Come-scegliere-ECONOMICA-AFFIDABILE.png 330w, https:\/\/ilbackpacker.it\/wp-content\/uploads\/2024\/04\/Come-scegliere-ECONOMICA-AFFIDABILE-200x300.png 200w\" sizes=\"(max-width: 330px) 100vw, 330px\" \/>","protected":false},"excerpt":{"rendered":"<span style=\"font-weight: 400;\">Cestovn\u00ed poji\u0161t\u011bn\u00ed je to nejd\u016fle\u017eit\u011bj\u0161\u00ed, co bys m\u011bl m\u00edt p\u0159ed odjezdem na cestu, s nad\u011bj\u00ed, \u017ee ho nikdy nebude\u0161 muset pou\u017e\u00edt. Kryje l\u00e9\u010debn\u00e9 v\u00fdlohy v p\u0159\u00edpad\u011b nemoci nebo \u00farazu, kr\u00e1de\u017e, zru\u0161en\u00e9 lety, ztracen\u00e1 zavazadla a v krajn\u00edch p\u0159\u00edpadech zaplat\u00ed i p\u0159evoz t\u011blesn\u00fdch ostatk\u016f. Pokud zem\u0159e \u010dlen rodiny, proplat\u00ed ti n\u00e1klady na n\u00e1vrat dom\u016f.<\/span>","protected":false},"author":2,"featured_media":462,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[403],"tags":[],"class_list":["post-10172","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bezpecnost"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"Cestovn\u00ed poji\u0161t\u011bn\u00ed je to nejd\u016fle\u017eit\u011bj\u0161\u00ed, co bys m\u011bl m\u00edt p\u0159ed odjezdem na cestu, s nad\u011bj\u00ed, \u017ee ho nikdy nebude\u0161 muset pou\u017e\u00edt. Kryje l\u00e9\u010debn\u00e9 v\u00fdlohy v p\u0159\u00edpad\u011b nemoci nebo \u00farazu, kr\u00e1de\u017e, zru\u0161en\u00e9 lety, ztracen\u00e1 zavazadla a v krajn\u00edch p\u0159\u00edpadech zaplat\u00ed i p\u0159evoz t\u011blesn\u00fdch ostatk\u016f. 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Kryje l\u00e9\u010debn\u00e9 v\u00fdlohy v p\u0159\u00edpad\u011b nemoci nebo \u00farazu, kr\u00e1de\u017e, zru\u0161en\u00e9 lety, ztracen\u00e1 zavazadla a v krajn\u00edch p\u0159\u00edpadech zaplat\u00ed i p\u0159evoz t\u011blesn\u00fdch ostatk\u016f. 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