{"id":178223,"date":"2026-08-13T13:37:11","date_gmt":"2026-08-13T13:37:11","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/178223\/"},"modified":"2026-08-13T13:37:11","modified_gmt":"2026-08-13T13:37:11","slug":"castym-cestovatelum-se-vyplati-dlouhodobe-pojisteni-usetri-cas-i-penize","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/178223\/","title":{"rendered":"\u010cast\u00fdm cestovatel\u016fm se vyplat\u00ed dlouhodob\u00e9 poji\u0161t\u011bn\u00ed. U\u0161et\u0159\u00ed \u010das i\u00a0pen\u00edze"},"content":{"rendered":"

Na n\u011bkolik krat\u0161\u00edch dovolen\u00fdch b\u011bhem roku vyr\u00e1\u017e\u00ed Josef Ko\u010d\u00e1rek z\u00a0Prahy. \u201eV\u011bt\u0161inou podnik\u00e1m tak dv\u011b krat\u0161\u00ed cesty po Evrop\u011b, jednu mimo ni. V\u00a0r\u00e1mci Evropsk\u00e9 unie samoz\u0159ejm\u011b m\u00e1m n\u00e1rok na o\u0161et\u0159en\u00ed na sv\u00e9 dom\u00e1c\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed za stejn\u00fdch podm\u00ednek jako m\u00edstn\u00ed. Ale nechci si dohled\u00e1vat, kde jsou jak\u00e9 p\u0159\u00edplatky; v\u00a0p\u0159\u00edpad\u011b v\u011bt\u0161\u00edho \u00farazu mi neuhrad\u00ed p\u0159evoz dom\u016f,\u201c konstatoval.<\/p>\n

Za jednotliv\u00e9 pojistky tak dal ro\u010dn\u011b okolo tis\u00edcovky a\u017e 1500\u00a0korun. \u201eAle kdy\u017e jsem si byl prodlou\u017eit poji\u0161t\u011bn\u00ed odpov\u011bdnosti, nab\u00eddli mi celoro\u010dn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed s\u00a0platnost\u00ed pro cel\u00fd sv\u011bt. Vyjde m\u011b to tak na sedm stovek ro\u010dn\u011b,\u201c dodal.<\/p>\n

V nab\u00eddce v\u0161ak chyb\u00ed zmi\u0148ovan\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti. \u201eAle na to se mi s\u00a0celosv\u011btovou platnost\u00ed v\u010detn\u011b \u010ceska vztahuje samostatn\u00e1 pojistka,\u201c podotkl Ko\u010d\u00e1rek.<\/p>\n

<\/a><\/p>\n

Pokud tedy \u010dlov\u011bk vyjede s\u00e1m t\u0159eba na t\u00fdden do It\u00e1lie a\u00a0na t\u00fdden do Egypta, zaplat\u00ed za pojistku podle Generali \u010cesk\u00e9 poji\u0161\u0165ovny souhrnn\u011b v\u00edce ne\u017e 1400\u00a0korun. Dlouhodob\u00e9 poji\u0161t\u011bn\u00ed na neomezen\u00fd po\u010det cest za stejn\u00fdch limit\u016f vyjde na 1100\u00a0korun.<\/p>\n

U \u010dty\u0159\u010dlenn\u00e9 rodiny pak mohou stejn\u00e9 dva z\u00e1jezdy vyj\u00edt v\u00a0pr\u016fm\u011bru na tak\u0159ka \u010dty\u0159i tis\u00edce, zat\u00edmco dlouhodob\u00e9 cestovn\u00ed poji\u0161t\u011bn\u00ed stoj\u00ed okolo 2200\u00a0korun. <\/p>\n

Podle propo\u010dt\u016f dal\u0161\u00edch poji\u0161\u0165oven se dlouhodob\u00e9 poji\u0161t\u011bn\u00ed vyplat\u00ed minim\u00e1ln\u011b p\u0159i t\u0159ech a\u00a0v\u00edce cest\u00e1ch. Tato varianta tedy nen\u00ed pro ka\u017ed\u00e9ho. <\/p>\n

\u201eCeloro\u010dn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed se vyplat\u00ed p\u0159edev\u0161\u00edm t\u011bm, kte\u0159\u00ed vyr\u00e1\u017eej\u00ed do zahrani\u010d\u00ed opakovan\u011b. Typicky jde o\u00a0aktivn\u00ed cestovatele, majitele rekrea\u010dn\u00edch nemovitost\u00ed v\u00a0zahrani\u010d\u00ed \u010di lidi pravideln\u011b nav\u0161t\u011bvuj\u00edc\u00ed p\u0159\u00edbuzn\u00e9,\u201c konstatoval Milan K\u00e1\u0148a z\u00a0poji\u0161\u0165ovny Kooperativa.<\/p>\n

Pozor na v\u00fd\u0161i limit\u016f<\/p>\n

I u\u00a0dlouhodob\u00e9ho poji\u0161t\u011bn\u00ed je ov\u0161em nutn\u00e9 myslet na specifick\u00e9 okolnosti. Pokud nap\u0159\u00edklad doty\u010dn\u00fd provozuje pravideln\u011b rizikov\u00e9 sporty, m\u011bl by na to br\u00e1t z\u0159etel u\u017e p\u0159i uzav\u00edr\u00e1n\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n

\u201eP\u0159ed cestou by se pak \u010dlov\u011bk m\u011bl rad\u011bji znovu pod\u00edvat na to, zda poji\u0161t\u011bn\u00ed plat\u00ed pro c\u00edlovou destinaci, jak\u00e9 jsou limity pojistn\u00e9ho pln\u011bn\u00ed a\u00a0zdali nap\u0159\u00edklad obsahuje i\u00a0poji\u0161t\u011bn\u00ed odpov\u011bdnosti \u010di zavazadel,\u201c doplnil Tom\u00e1\u0161 Pavl\u00edk z\u00a0\u010cesk\u00e9 asociace poji\u0161\u0165oven.<\/p>\n

Dlouhodob\u00e9 poji\u0161t\u011bn\u00ed si lze sjednat nap\u0159\u00edklad jako samostatn\u00fd produkt u\u00a0poji\u0161\u0165ovny, p\u0159i\u010dem\u017e se ka\u017ed\u00fd rok \u010dasto znovu obnovuje. Pak je pot\u0159eba hl\u00eddat limity pln\u011bn\u00ed, kter\u00e9 po \u010dase u\u017e nemusej\u00ed vyhovovat. Ob\u010das b\u00fdv\u00e1 takov\u00e9 poji\u0161t\u011bn\u00ed nab\u00edzeno i\u00a0jako dopln\u011bk, nap\u0159\u00edklad k\u00a0platebn\u00edm kart\u00e1m.<\/p>\n

\u201eV takov\u00e9m p\u0159\u00edpad\u011b m\u016f\u017ee b\u00fdt pohodln\u00fdm benefitem, ale je d\u016fle\u017eit\u00e9 ov\u011b\u0159it jeho parametry. Nej\u010dast\u011bji b\u00fdvaj\u00ed ni\u017e\u0161\u00ed limity pojistn\u00e9ho pln\u011bn\u00ed, co\u017e m\u016f\u017ee b\u00fdt problematick\u00e9 t\u0159eba p\u0159i cest\u00e1ch do Spojen\u00fdch st\u00e1t\u016f \u010di Kanady, kde mohou n\u00e1klady na zdravotn\u00ed p\u00e9\u010di dosahovat vysok\u00fdch \u010d\u00e1stek,\u201c doplnila Pavl\u00edna Ad\u00e1mkov\u00e1 z\u00a0Generali \u010cesk\u00e9 poji\u0161\u0165ovny.<\/p>\n

\u201eTak\u00e9 nemus\u00ed poji\u0161t\u011bn\u00ed ke kart\u00e1m zahrnovat v\u0161echna rizika, nap\u0159\u00edklad rizikov\u00e9 sporty, pracovn\u00ed cesty nebo dal\u0161\u00ed p\u0159ipoji\u0161t\u011bn\u00ed,\u201c doplnila Veronika He\u0161\u00edkov\u00e1 z\u00a0poji\u0161\u0165ovny Uniqa.<\/p>\n

Anketa<\/p>\n

Plat\u00edte si cestovn\u00ed poji\u0161t\u011bn\u00ed?<\/p>\n

Ano, p\u0159ed ka\u017edou cestou<\/p>\n

Celkem
\n\t\t\t\thlasovalo
\n\t\t\t\t2207
\n\t\t\t\t\u010dten\u00e1\u0159\u016f.<\/p>\n

<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Na n\u011bkolik krat\u0161\u00edch dovolen\u00fdch b\u011bhem roku vyr\u00e1\u017e\u00ed Josef Ko\u010d\u00e1rek z\u00a0Prahy. \u201eV\u011bt\u0161inou podnik\u00e1m tak dv\u011b krat\u0161\u00ed cesty po Evrop\u011b,…\n","protected":false},"author":2,"featured_media":178224,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[67,68,536,885,1471,1502,501],"class_list":["post-178223","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-business","tag-byznys","tag-cestovani","tag-cestovni-pojisteni","tag-dovolena","tag-pojisteni","tag-pojistovny"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117088475466814026","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/178223","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=178223"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/178223\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/178224"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=178223"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=178223"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=178223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}