{"id":66506,"date":"2026-04-25T23:08:12","date_gmt":"2026-04-25T23:08:12","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/66506\/"},"modified":"2026-04-25T23:08:12","modified_gmt":"2026-04-25T23:08:12","slug":"pojisteni-na-maraton-cena-a-plneni","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/66506\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed na maraton: Cena a pln\u011bn\u00ed"},"content":{"rendered":"

B\u011b\u017eeck\u00e9 z\u00e1vody v\u00a0evropsk\u00fdch metropol\u00edch ka\u017edoro\u010dn\u011b p\u0159itahuj\u00ed des\u00edtky tis\u00edc \u00fa\u010dastn\u00edk\u016f z\u00a0cel\u00e9ho sv\u011bta. Na popul\u00e1rn\u00ed p\u016flmaratony i\u00a0maratony v\u00a0Berl\u00edn\u011b, Kodani nebo t\u0159eba p\u0159es slavn\u00fd visut\u00fd most v\u00a0Lisabonu \u010d\u00edm d\u00e1l \u010dast\u011bji vyr\u00e1\u017eej\u00ed tak\u00e9 \u010de\u0161t\u00ed b\u011b\u017eci, a\u00a0to i\u00a0n\u011bkolikr\u00e1t b\u011bhem roku.<\/p>\n

B\u011bh je s\u00e1m o\u00a0sob\u011b dostupn\u00fd sport, tedy samoz\u0159ejm\u011b dokud neza\u010dne sportovec investovat do lep\u0161\u00edch bot, oble\u010den\u00ed nebo ho neza\u010dne bavit z\u00e1vodit. Takov\u00fd eurov\u00edkend se startovn\u00fdm na p\u016flmaraton vyjde klidn\u011b na v\u00edce ne\u017e deset tis\u00edc korun.<\/p>\n

Nap\u0159\u00edklad podle propo\u010dt\u016f Generali \u010cesk\u00e9 poji\u0161\u0165ovny vych\u00e1z\u00ed startovn\u00e9 na z\u00e1\u0159ijov\u00fd p\u016flmaraton v\u00a0Kodani p\u0159ibli\u017en\u011b na 2\u00a0150\u00a0korun. Ubytov\u00e1n\u00ed na dv\u011b noci se sn\u00eddan\u00ed stoj\u00ed zhruba 6\u00a0500\u00a0a\u017e 9\u00a0500\u00a0korun, zp\u00e1te\u010dn\u00ed letenka vyjde asi na 5\u00a0000\u00a0korun a\u00a0doprava po m\u011bst\u011b na p\u0159ibli\u017en\u011b 530\u00a0korun. Cestovn\u00ed poji\u0161t\u011bn\u00ed na t\u0159i dny pak vyjde zhruba na 300\u00a0korun.<\/p>\n

Celkem tak \u00fa\u010dast na z\u00e1vod\u011b vyjde p\u0159ibli\u017en\u011b na 14\u00a0500\u00a0a\u017e 17\u00a0500\u00a0korun, a\u00a0to bez zapo\u010d\u00edt\u00e1n\u00ed n\u00e1klad\u016f na j\u00eddlo a\u00a0dal\u0161\u00ed v\u00fddaje. Sta\u010d\u00ed ale jeden probl\u00e9m, jako je zran\u011bn\u00ed nebo nemoc, a\u00a0cel\u00fd v\u00fdlet se m\u016f\u017ee v\u00fdrazn\u011b prodra\u017eit.<\/p>\n

Pr\u00e1v\u011b proto se vyplat\u00ed m\u00edt krom\u011b nab\u011bhan\u00fdch kilometr\u016f a\u00a0po\u0159\u00e1dn\u00fdch bot tak\u00e9 spr\u00e1vn\u011b nastaven\u00e9 cestovn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n

Jak se spr\u00e1vn\u011b pojistit<\/p>\n

Doma v\u00a0\u010cesku si p\u016flmaratonci vysta\u010d\u00ed se svou b\u011b\u017enou karti\u010dkou poji\u0161t\u011bnce, v\u00a0zahrani\u010d\u00ed u\u017e je ov\u0161em t\u0159eba se na p\u0159\u00edpad \u00farazu \u010di hospitalizace p\u0159ipravit skrze cestovn\u00ed poji\u0161t\u011bn\u00ed. Kl\u00ed\u010dov\u00e9 je, aby poji\u0161t\u011bn\u00ed zahrnovalo i\u00a0\u00fa\u010dast na organizovan\u00e9m z\u00e1vod\u011b, je tedy t\u0159eba p\u0159ipoji\u0161t\u011bn\u00ed na organizovan\u00fd sport. Po n\u00e1vratu do \u010ceska je pak mo\u017en\u00e9 uplatnit n\u00e1rok tak\u00e9 z\u00a0priv\u00e1tn\u00edho \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed.<\/p>\n

N\u011bkte\u0159\u00ed organiz\u00e1to\u0159i z\u00e1vod\u016f nab\u00edzej\u00ed poji\u0161t\u011bn\u00ed sami, podle Generali \u010cesk\u00e9 poji\u0161\u0165ovny se na n\u011bj ov\u0161em spol\u00e9hat nevyplat\u00ed. Obvykle pr\u00fd kryje jen vybran\u00e9 situace, jako je hospitalizace nebo trval\u00e9 n\u00e1sledky. O\u00a0dostate\u010dn\u00e9 pojistn\u00e9 kryt\u00ed se tak mus\u00ed postarat ka\u017ed\u00fd b\u011b\u017eec s\u00e1m.<\/p>\n

<\/a>Jednor\u00e1zov\u00e9 poji\u0161t\u011bn\u00ed, nebo celoro\u010dn\u00ed?<\/p>\n

Kdy se vyplat\u00ed platit si poji\u0161t\u011bn\u00ed rad\u011bji celoro\u010dn\u00ed a\u00a0kdy posta\u010d\u00ed pojistit se v\u017edy na konkr\u00e9tn\u00ed v\u00fdlet? Podle Milana K\u00e1ni z\u00a0poji\u0161\u0165ovny Kooperativa z\u00e1le\u017e\u00ed na tom, jak \u010dasto do zahrani\u010d\u00ed na z\u00e1vody jezd\u00ed a\u00a0kolik dn\u00ed tam na z\u00e1vodech a\u00a0p\u0159\u00edprav\u011b na n\u011b tr\u00e1v\u00ed.<\/p>\n

Pro amat\u00e9rsk\u00e9ho b\u011b\u017ece, kter\u00fd v\u00ed, \u017ee se z\u00fa\u010dastn\u00ed v\u00a0zahrani\u010d\u00ed maxim\u00e1ln\u011b \u010dty\u0159 z\u00e1vod\u016f v\u00a0roce a\u00a0za jin\u00fdm \u00fa\u010delem u\u017e do zahrani\u010d\u00ed nejezd\u00ed, bude podle K\u00e1ni cenov\u011b v\u00fdhodn\u011bj\u0161\u00ed sjednat poji\u0161t\u011bn\u00ed jednor\u00e1zov\u011b v\u017edy p\u0159ed ka\u017ed\u00fdm z\u00e1vodem.<\/p>\n

\u201ePro ty, kdo jezd\u00ed do zahrani\u010d\u00ed na z\u00e1vody i\u00a0za jin\u00fdm \u00fa\u010delem \u010dast\u011bji, se vyplat\u00ed sjednat celoro\u010dn\u00ed variantu poji\u0161t\u011bn\u00ed v\u00a0rozsahu organizovan\u00fd sport, kter\u00e1 jim pokryje b\u011b\u017en\u00e9 kr\u00e1tkodob\u00e9 v\u00fdjezdy do zahrani\u010d\u00ed a\u00a0i v\u00fdjezdy na \u00fa\u010dast v\u00a0z\u00e1vodech. A\u00a0odpadne jim i\u00a0opakovan\u00e9 sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed p\u0159ed ka\u017edou cestou,\u201c vysv\u011btluje K\u00e1\u0148a.<\/p>\n

I zde je ov\u0161em t\u0159eba myslet na p\u0159ipoji\u0161t\u011bn\u00ed organizovan\u00e9ho sportu. \u201eRo\u010dn\u00ed pojistn\u00e9 cestovn\u00edho poji\u0161t\u011bn\u00ed s\u00a0p\u0159ipoji\u0161t\u011bn\u00edm organizovan\u00e9ho sportu vyjde p\u0159ibli\u017en\u011b na 4\u00a0000\u00a0korun pro dosp\u011bl\u00e9ho \u010dlov\u011bka. P\u0159\u00edplatek je zhruba t\u0159etinov\u00fd,\u201c \u0159\u00edk\u00e1 Krist\u00fdna Strakov\u00e1, mana\u017eerka cestovn\u00edho poji\u0161t\u011bn\u00ed v\u00a0Generali \u010cesk\u00e9 poji\u0161\u0165ovn\u011b. U\u00a0jednor\u00e1zov\u00e9ho poji\u0161t\u011bn\u00ed podle n\u00ed p\u0159ipoji\u0161t\u011bn\u00ed organizovan\u00e9ho sportu zved\u00e1 cenu zhruba o\u00a0polovinu.<\/p>\n

Nej\u010dast\u011bj\u0161\u00edmi p\u0159\u00ed\u010dinami pojistn\u00fdch ud\u00e1lost\u00ed spojen\u00fdch s\u00a0\u00fa\u010dast\u00ed na z\u00e1vodech jsou:kolaps z vy\u010derp\u00e1n\u00ed (slabost, z\u00e1vrat\u011b, pocit na omdlen\u00ed, n\u00edzk\u00fd tlak, n\u011bkdy i arytmie a rovn\u011b\u017e m\u016f\u017ee doj\u00edt i ke zhor\u0161en\u00ed skryt\u00e9ho srde\u010dn\u00edho onemocn\u011bn\u00ed)p\u0159eh\u0159\u00e1t\u00ed a dehydratace (bolesti hlavy, nevolnost, \u00fapal\/\u00fa\u017eeh – vysok\u00e1 t\u011blesn\u00e1 teplota, poruchy v\u011bdom\u00ed)svalov\u00e9 k\u0159e\u010de v doln\u00edch kon\u010detin\u00e1chod\u0159eniny, zhmo\u017ed\u011bniny, v\u00fdrony a n\u011bkdy i zlomeniny po p\u00e1dechtr\u00e1vic\u00ed obt\u00ed\u017ee (nevolnost, zvracen\u00ed, pr\u016fjem)<\/p>\n

M\u00e9n\u011b \u010dast\u00e9, ale rovn\u011b\u017e se vyskytuj\u00edc\u00ed jsou pak je\u0161t\u011b:<\/p>\n

alergick\u00e9 reakce po bodnut\u00ed hmyzem, astmatick\u00e9 z\u00e1chvaty, krv\u00e1cen\u00ed z nosu, hypoglyk\u00e9mie, srde\u010dn\u00ed z\u00e1stava, \u00famrt\u00ed<\/p>\n

V z\u00e1vislosti na z\u00e1va\u017enosti zdravotn\u00ed indispozice podle Kooperativa poji\u0161\u0165ovny n\u011bkdy posta\u010d\u00ed jen o\u0161et\u0159en\u00ed p\u0159\u00edtomnou zdravotn\u00ed slu\u017ebou v\u00a0m\u00edst\u011b z\u00e1vod\u016f, n\u011bkdy je v\u0161ak t\u0159eba i\u00a0transport do zdravotnick\u00e9ho za\u0159\u00edzen\u00ed k\u00a0dal\u0161\u00edmu o\u0161et\u0159en\u00ed i\u00a0rozs\u00e1hlej\u0161\u00edmu l\u00e9\u010den\u00ed.<\/p>\n

Z\u00e1rove\u0148 nejsou nejv\u00edce ohro\u017eeni tr\u00e9novan\u00ed sportovci, ale lid\u00e9, kte\u0159\u00ed podcen\u00ed p\u0159\u00edpravu. \u201eVe v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f se jedn\u00e1 o\u00a0b\u011b\u017ece, kte\u0159\u00ed nemaj\u00ed zku\u0161enosti z\u00a0b\u011bhu na del\u0161\u00ed vzd\u00e1lenost a\u00a0nechaj\u00ed se un\u00e9st v\u00fdsledkem,\u201c popisuje sportovn\u00ed fyzioterapeut Martin Janou\u0161ek.<\/p>\n

Jak postupovat v\u00a0p\u0159\u00edpad\u011b zran\u011bn\u00ed<\/p>\n

Maraton by v\u00a0ide\u00e1ln\u00edm p\u0159\u00edpad\u011b m\u011bl kon\u010dit v\u00a0c\u00edli a\u00a0snad i\u00a0v rekordn\u00edm \u010dase. Pokud se ov\u0161em n\u011bco p\u0159ihod\u00ed, m\u011bla by v\u00a0m\u00edst\u011b z\u00e1vodu v\u017edy b\u00fdt po\u0159adateli zaji\u0161t\u011bna zdravotnick\u00e1 slu\u017eba.<\/p>\n

\u201eV\u00a0p\u0159\u00edpad\u011b leh\u010d\u00ed zdravotn\u00ed indispozice by se m\u011bl b\u011b\u017eec nechat vy\u0161et\u0159it a\u00a0o\u0161et\u0159it na zdravotnick\u00e9m stanovi\u0161ti v\u00a0c\u00edli a\u00a0pak postupovat dle pokyn\u016f p\u0159\u00edtomn\u00fdch zdravotn\u00edk\u016f. Pokud je t\u0159eba transport k\u00a0dal\u0161\u00edmu o\u0161et\u0159en\u00ed nebo l\u00e9\u010den\u00ed do zdravotnick\u00e9ho za\u0159\u00edzen\u00ed, m\u011bl by kontaktovat asisten\u010dn\u00ed slu\u017ebu a\u00a0sd\u011blit j\u00ed sv\u00e9 zdravotn\u00ed obt\u00ed\u017ee a\u00a0d\u00e1le informace o\u00a0zdravotnick\u00e9m za\u0159\u00edzen\u00ed, ve kter\u00e9m bude o\u0161et\u0159en, a\u00a0d\u00e1le pak u\u017e postupovat v\u00a0souladu s\u00a0pokyny od asisten\u010dn\u00ed slu\u017eby,\u201c vysv\u011btluje K\u00e1\u0148a. <\/p>\n

V p\u0159\u00edpad\u011b z\u00e1va\u017en\u00e9 zdravotn\u00ed indispozice, kdy je b\u011b\u017eec v\u00a0p\u0159\u00edm\u00e9m ohro\u017een\u00ed \u017eivota a\u00a0n\u011bkdy t\u0159eba i\u00a0v bezv\u011bdom\u00ed, mus\u00ed v\u00a0prv\u00e9 \u0159ad\u011b nastat transport do nemocnice. B\u011b\u017eec m\u00e1 kontaktovat asisten\u010dn\u00ed slu\u017ebu ihned, jakmile to jeho zdravotn\u00ed stav dovol\u00ed, pop\u0159\u00edpad\u011b to za n\u011bj ud\u011bl\u00e1 n\u011bkdo dal\u0161\u00ed, s\u00a0k\u00fdm odcestoval na z\u00e1vody do zahrani\u010d\u00ed, anebo i\u00a0p\u0159\u00edbuzn\u00fd v\u00a0\u010cR, kter\u00fd se o\u00a0jeho hospitalizaci dozv\u00ed.<\/p>\n

Rozcestn\u00edk: Jak na poji\u0161t\u011bn\u00ed<\/p>\n

Nenad\u00e1l\u00e1 nemoc v\u00a0ciz\u00ed zemi, vykraden\u00fd byt nebo o\u0161et\u0159en\u00ed na dent\u00e1ln\u00ed hygien\u011b. Poji\u0161t\u011bn\u00ed m\u016f\u017ee m\u00edt \u010dlov\u011bk celou \u0159adu – v\u00edte, jak se ale pojistit spr\u00e1vn\u011b a\u00a0co va\u0161e poji\u0161t\u011bn\u00ed v\u0161echno pokr\u00fdv\u00e1?<\/p>\n

Jak si pojistit ka\u017edodenn\u00ed \u017eivot i\u00a0majetek:<\/p>\n

Jak na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed: Kdy se pojistit a\u00a0pro\u010d mlad\u00ed plat\u00ed m\u00e9n\u011b<\/p>\n

Jak na poji\u0161t\u011bn\u00ed auta:Jak se spr\u00e1vn\u011b pojistit na cest\u00e1ch \u010di p\u0159i sportu: Jak na soci\u00e1ln\u00ed a\u00a0zdravotn\u00ed poji\u0161t\u011bn\u00ed:Va\u0161e pen\u00edze:<\/p>\n

\u201eV\u00a0p\u0159\u00edpad\u011b \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed sta\u010d\u00ed \u0161kodu nahl\u00e1sit po n\u00e1vratu a\u00a0dodat pot\u0159ebn\u00e9 doklady\u00a0\u2013 zejm\u00e9na doklad o\u00a0prvn\u00edm o\u0161et\u0159en\u00ed a\u00a0dal\u0161\u00ed l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy o\u00a0pr\u016fb\u011bhu l\u00e9\u010den\u00ed,\u201c vysv\u011btluje Jan Vargai, senior mana\u017eer likvidace pojistn\u00fdch ud\u00e1lost\u00ed z\u00a0\u017eivotn\u00edho poji\u0161t\u011bn\u00ed v\u00a0Generali \u010cesk\u00e9 poji\u0161\u0165ovn\u011b.<\/p>\n

P\u0159i z\u00e1vodech v\u00a0dom\u00e1c\u00edm prost\u0159ed\u00ed lze uplatnit p\u0159i zran\u011bn\u00ed n\u00e1rok z\u00a0\u00farazov\u00e9ho poji\u0161t\u011bn\u00ed\u00a0\u2013 bu\u010f samostatn\u011b sjednan\u00e9ho, nebo v\u00a0r\u00e1mci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, p\u0159\u00edpadn\u011b dal\u0161\u00edch p\u0159ipoji\u0161t\u011bn\u00ed, jako jsou denn\u00ed d\u00e1vky za hospitalizaci nebo denn\u00ed od\u0161kodn\u00e9 za dobu l\u00e9\u010den\u00ed \u00farazu.<\/p>\n

Generali \u010cesk\u00e1 poji\u0161\u0165ovna podle Vargaie nap\u0159\u00edklad v\u00a0souvislosti s\u00a0b\u011b\u017eeck\u00fdmi aktivitami hradila z\u00a0\u00farazov\u00e9ho poji\u0161t\u011bn\u00ed zlomen\u00fd prst na noze (4\u00a0200\u00a0K\u010d) nebo operovanou zlomeninu holenn\u00ed kosti (44\u00a0000\u00a0K\u010d).<\/p>\n","protected":false},"excerpt":{"rendered":"B\u011b\u017eeck\u00e9 z\u00e1vody v\u00a0evropsk\u00fdch metropol\u00edch ka\u017edoro\u010dn\u011b p\u0159itahuj\u00ed des\u00edtky tis\u00edc \u00fa\u010dastn\u00edk\u016f z\u00a0cel\u00e9ho sv\u011bta. Na popul\u00e1rn\u00ed p\u016flmaratony i\u00a0maratony v\u00a0Berl\u00edn\u011b, Kodani nebo…\n","protected":false},"author":2,"featured_media":66507,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[885,1502,10239,94,93],"class_list":{"0":"post-66506","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-sport","8":"tag-cestovni-pojisteni","9":"tag-pojisteni","10":"tag-pulmaraton","11":"tag-sport","12":"tag-sports"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116467866235957191","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/66506","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=66506"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/66506\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/66507"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=66506"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=66506"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=66506"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}