{"id":310115,"date":"2019-08-13T14:25:44","date_gmt":"2019-08-13T12:25:44","guid":{"rendered":"https:\/\/loudavymkrokem.cz\/asigurare-calatorie-termen-lung\/"},"modified":"2026-07-13T16:50:44","modified_gmt":"2026-07-13T14:50:44","slug":"asigurare-calatorie-termen-lung","status":"publish","type":"post","link":"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/","title":{"rendered":"Asigurare de c\u0103l\u0103torie anual\u0103 \u0219i pe termen lung: compara\u021bie de la c\u0103l\u0103tori"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Fie c\u0103 e\u0219ti nomad digital, c\u0103l\u0103tor pe termen lung sau abia te preg\u0103te\u0219ti pentru o c\u0103l\u0103torie de durat\u0103, o <strong>asigurare de c\u0103l\u0103torie<\/strong> potrivit\u0103 este baza f\u0103r\u0103 de care nu ar trebui s\u0103 porne\u0219ti la drum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>S\u0103-\u021bi asiguri s\u0103n\u0103tatea pentru perioada \u00een care e\u0219ti \u00een str\u0103in\u0103tate este o necesitate absolut\u0103.<\/strong> Exist\u0103 \u00eens\u0103 o mul\u021bime de companii de asigur\u0103ri, iar compararea lor nu este deloc simpl\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen plus, de \u00eendat\u0103 ce te apuci de ales, \u00ee\u021bi vor trece prin cap o gr\u0103mad\u0103 de \u00eentreb\u0103ri. S\u0103 iau doar o asigurare medical\u0103? Sau mai bine s\u0103 asigur \u0219i telefonul \u0219i laptopul? \u0218i bagajele? Sau anularea zborului?<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Obsah \u010dl\u00e1nku<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Cea_mai_buna_asigurare_de_calatorie_pe_termen_lung\" >Cea mai bun\u0103 asigurare de c\u0103l\u0103torie pe termen lung<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#1_Safety_Wing_%E2%80%93_cea_mai_buna_asigurare_de_calatorie_pentru_drumuri_lungi\" >1) Safety Wing \u2013 cea mai bun\u0103 asigurare de c\u0103l\u0103torie pentru drumuri lungi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#2_True_Traveller_%E2%80%93_ideal_pentru_rucsacari_%E2%80%9Egap_year%E2%80%9D_si_calatori_frecventi\" >2) True Traveller \u2013 ideal pentru rucsacari, \u201egap year&#8221; \u0219i c\u0103l\u0103tori frecven\u021bi<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Merita_sa_asiguri_bunurile_mobile\" >Merit\u0103 s\u0103 asiguri bunurile mobile?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Ce_tip_de_asigurare_de_calatorie_sa_alegi\" >Ce tip de asigurare de c\u0103l\u0103torie s\u0103 alegi<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Asigurarea_medicala_de_calatorie\" >Asigurarea medical\u0103 de c\u0103l\u0103torie<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Asigurarea_de_transfer_catre_alt_spital\" >Asigurarea de transfer c\u0103tre alt spital<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Asigurarea_de_calatorie_%E2%80%9Epe_bunuri%E2%80%9D\" >Asigurarea de c\u0103l\u0103torie \u201epe bunuri&#8221;<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Observatii_pentru_alegerea_unei_asigurari_potrivite\" >Observa\u021bii pentru alegerea unei asigur\u0103ri potrivite<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Prezentarea_celor_mai_bune_asigurari_de_calatorie_pe_termen_lung\" >Prezentarea celor mai bune asigur\u0103ri de c\u0103l\u0103torie pe termen lung<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#SafetyWing\" >SafetyWing<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#La_ce_sa_fii_atent_la_Safety_Wing\" >La ce s\u0103 fii atent la Safety Wing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Calculatorul_de_asigurare_SafetyWing\" >Calculatorul de asigurare SafetyWing<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#True_Traveller\" >True Traveller<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#World_Nomads\" >World Nomads<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Raspunsuri_la_cele_mai_frecvente_intrebari_FAQ\" >R\u0103spunsuri la cele mai frecvente \u00eentreb\u0103ri (FAQ)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Ofera_companiile_aeriene_compensatii_pentru_bagajele_pierdute_sau_intarziate\" >Ofer\u0103 companiile aeriene compensa\u021bii pentru bagajele pierdute sau \u00eent\u00e2rziate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#De_ce_trebuie_sa_completez_tara_de_origine_cand_imi_fac_asigurarea_Sunt_nomad_digital_si_nu_locuiesc_nicaieri\" >De ce trebuie s\u0103 completez \u021bara de origine c\u00e2nd \u00eemi fac asigurarea? Sunt nomad digital \u0219i nu locuiesc nic\u0103ieri.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Cand_ar_trebui_sa_imi_cumpar_asigurarea_Sa_astept_pana_in_ziua_plecarii_sau_chiar_pana_in_momentul_calatoriei\" >C\u00e2nd ar trebui s\u0103 \u00eemi cump\u0103r asigurarea? S\u0103 a\u0219tept p\u00e2n\u0103 \u00een ziua plec\u0103rii sau chiar p\u00e2n\u0103 \u00een momentul c\u0103l\u0103toriei?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Cum_sa_alegi_o_asigurare_de_calatorie_potrivita_pentru_cererea_de_viza\" >Cum s\u0103 alegi o asigurare de c\u0103l\u0103torie potrivit\u0103 pentru cererea de viz\u0103?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Se_pot_compara_undeva_asigurarile_de_calatorie_pe_termen_lung\" >Se pot compara undeva asigur\u0103rile de c\u0103l\u0103torie pe termen lung?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Sfaturi_care_iti_vor_usura_viata_in_timpul_calatoriei\" >Sfaturi care \u00ee\u021bi vor u\u0219ura via\u021ba \u00een timpul c\u0103l\u0103toriei<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Cum_sa_gasesti_bilete_de_avion_ieftine_15_sfaturi_verificate_si_mai_putin_cunoscute\" >Cum s\u0103 g\u0103se\u0219ti bilete de avion ieftine: 15 sfaturi verificate \u0219i mai pu\u021bin cunoscute<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/loudavymkrokem.cz\/ro\/asigurare-calatorie-termen-lung\/#Cum_sa_gasesti_cazare_ieftina\" >Cum s\u0103 g\u0103se\u0219ti cazare ieftin\u0103<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cea_mai_buna_asigurare_de_calatorie_pe_termen_lung\"><\/span>Cea mai bun\u0103 asigurare de c\u0103l\u0103torie pe termen lung<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nu vrei s\u0103 cite\u0219ti mai departe \u0219i vrei s\u0103 cumperi direct cea mai bun\u0103 variant\u0103? <strong>Avem pentru tine dou\u0103 recomand\u0103ri:<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Safety_Wing_%E2%80%93_cea_mai_buna_asigurare_de_calatorie_pentru_drumuri_lungi\"><\/span>1) Safety Wing \u2013 cea mai bun\u0103 asigurare de c\u0103l\u0103torie pentru drumuri lungi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"SafetyWing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">Safety Wing<\/a> este o asigurare de c\u0103l\u0103torie f\u0103cut\u0103 pe m\u0103sura nomazilor digitali sau a c\u0103l\u0103torilor frecven\u021bi.<\/strong> Po\u021bi fi asigurat continuu, iar plata se face lunar (o po\u021bi \u00eentrerupe oric\u00e2nd), <strong>\u00een tariful de baz\u0103 \u0219i f\u0103r\u0103 vizite \u00een SUA te cost\u0103 56,28 USD pe lun\u0103<\/strong>, \u0219i po\u021bi c\u0103l\u0103tori \u00een toat\u0103 lumea.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Asigurarea o po\u021bi cump\u0103ra chiar \u0219i din str\u0103in\u0103tate, iar dup\u0103 90 de zile te po\u021bi \u00eentoarce acas\u0103 p\u00e2n\u0103 la 30 de zile \u0219i r\u0103m\u00e2i \u00een continuare asigurat. Astfel scapi de calculele obositoare privind momentul \u00een care merit\u0103 s\u0103-\u021bi suspenzi asigurarea de s\u0103n\u0103tate din \u021bar\u0103 \u0219i c\u00e2nd \u00eenc\u0103 nu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un alt mare avantaj al asigur\u0103rii Safety Wing este c\u0103 nu trebuie deloc s\u0103 te \u00eentorci acas\u0103, a\u0219a cum se \u00eent\u00e2mpl\u0103 la companiile de asigur\u0103ri clasice, care limiteaz\u0103 revenirea (de obicei la 45 sau 90 de zile).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Planul de baz\u0103 pentru persoane cu v\u00e2rsta de 10-39 de ani&nbsp;<\/strong>(Essential)&nbsp;<strong>cost\u0103<\/strong>&nbsp;<strong>de la 56,28 USD pe lun\u0103<\/strong>&nbsp;(se poate ad\u0103uga acoperire extins\u0103 pentru SUA sau sporturi cu risc), iar acoperirea include tratament medical, spitalizare, transport la spital, pierderea bagajelor, \u00eentreruperea c\u0103l\u0103toriei \u0219i \u00eent\u00e2rzieri de zbor. Acoperirea total\u0103 este limitat\u0103 la&nbsp;<strong>250 000 USD<\/strong>&nbsp;per eveniment asigurat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>O acoperire mai complex\u0103 ofer\u0103 varianta Complete.<\/strong>&nbsp;Principalul avantaj al acestui plan este&nbsp;<strong>limita total\u0103 ridicat\u0103 de acoperire, de 1 500 000 USD.<\/strong>&nbsp;Acoper\u0103 nu doar problemele medicale nea\u0219teptate, ci \u0219i \u00eengrijirea medical\u0103 continu\u0103 sau controalele preventive la medic.&nbsp;<strong>Printre serviciile incluse se num\u0103r\u0103:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Transportul c\u0103tre un spital mai bine echipat.<\/li>\n\n\n\n<li>Acoperirea pierderii bagajelor.<\/li>\n\n\n\n<li>Asisten\u021b\u0103 psihologic\u0103.<\/li>\n\n\n\n<li>Asigurare \u00eempotriva furtului.<\/li>\n\n\n\n<li>Acoperirea costurilor la \u00eent\u00e2rzierea sau \u00eentreruperea c\u0103l\u0103toriei din motive familiale.<\/li>\n\n\n\n<li>Acoperirea costurilor de transport sau \u00eenmorm\u00e2ntare \u00een caz de deces.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pre\u021bul pentru persoanele cu v\u00e2rsta \u00eentre 18 \u0219i 39 de ani \u00eencepe de la 150,50 USD pe lun\u0103<\/strong>, cu posibilitatea de a ad\u0103uga acoperire extins\u0103 pentru SUA sau sporturi cu risc.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1200\" height=\"630\" src=\"https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/Safety-wing-tarify.jpg\" alt=\"Tarifele asigur\u0103rii Safety Wing\" class=\"wp-image-91216\" title=\"\" srcset=\"https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/Safety-wing-tarify.jpg 1200w, https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/Safety-wing-tarify-300x158.jpg 300w, https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/Safety-wing-tarify-700x368.jpg 700w, https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/Safety-wing-tarify-768x403.jpg 768w, https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/Safety-wing-tarify-696x365.jpg 696w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><figcaption class=\"wp-element-caption\">Tarifele asigur\u0103rii Safety Wing<\/figcaption><\/figure>\n\n\n<div style=\"gap: 20px\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-d98fe848-cfb3-4ecd-b4af-9914873e754d\"><div class=\"ub-button-container\">\n\t\t\t<a href=\"https:\/\/safetywing.com\/nomad-insurance\/?referenceID=24736613&amp;campaign=dlouhodobe-cestovni-pojisteni&amp;utm_campaign=dlouhodobe-cestovni-pojisteni&amp;utm_source=24736613&amp;utm_medium=Ambassador\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"ub-button-block-main   ub-button-flex\" role=\"button\" style=\"--ub-button-background-color: #cf2e2e; --ub-button-color: #ffffff; --ub-button-border: none; --ub-button-hover-background-color: #313131; --ub-button-hover-color: #ffffff; --ub-button-hover-border: none; font-size: 17px; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-top-left-radius: 10px;; border-top-right-radius: 10px;; border-bottom-left-radius: 10px;; border-bottom-right-radius: 10px;; \">\n\t\t\t\t<div class=\"ub-button-content-holder\" style=\"flex-direction: row\">\n\t\t\t\t\t<span class=\"ub-button-block-btn\">Descoper\u0103 asigurarea SafetyWing<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><em>De ce nu recomand\u0103m din start o companie de asigur\u0103ri din \u021bar\u0103? Pentru c\u0103 au destule limit\u0103ri. Au plafoane privind num\u0103rul de zile petrecute \u00een str\u0103in\u0103tate, \u00een cazul asigur\u0103rilor legate de cardul de credit \u00ee\u021bi cer s\u0103 pl\u0103te\u0219ti cheltuielile medicale doar cu acel card, iar de multe ori limiteaz\u0103 num\u0103rul de reveniri acas\u0103.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Dac\u0103 totu\u0219i nu vrei o companie str\u0103in\u0103 \u0219i preferi un asigur\u0103tor local, cu suport \u00een limba rom\u00e2n\u0103, merit\u0103 s\u0103 iei \u00een calcul o asigurare de c\u0103l\u0103torie pe termen lung de la un furnizor local. Spre deosebire de majoritatea poli\u021belor obi\u0219nuite pe termen scurt, aceste oferte au plafoane rezonabile, servicii de asisten\u021b\u0103 de calitate \u0219i func\u021bioneaz\u0103 bine pentru concedii mai lungi, sejururi de munc\u0103 sau c\u0103l\u0103torii de c\u00e2teva luni. Doar c\u0103, \u00eenainte de a semna, trebuie s\u0103 verifici cu aten\u021bie condi\u021biile privind revenirile acas\u0103 \u0219i durata maxim\u0103 de \u0219edere \u00een str\u0103in\u0103tate.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_True_Traveller_%E2%80%93_ideal_pentru_rucsacari_%E2%80%9Egap_year%E2%80%9D_si_calatori_frecventi\"><\/span>2) True Traveller \u2013 ideal pentru rucsacari, \u201egap year&#8221; \u0219i c\u0103l\u0103tori frecven\u021bi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"True Traveller\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" data-shortcode=\"true\">True Traveller<\/a> este cea mai flexibil\u0103 \u0219i mai complet\u0103 asigurare pentru c\u0103l\u0103torii pe termen lung pe care o po\u021bi g\u0103si \u2013 mai ales \u00een raport cu pre\u021bul.<\/strong> Pentru circa 450 EUR pe an ob\u021bii o asigurare pentru c\u0103l\u0103torii \u00een toat\u0103 lumea (SUA \u0219i Canada sunt cu supliment). Plafoanele de cheltuieli sunt generoase (p\u00e2n\u0103 la 6 mil. EUR) \u0219i ai posibilitatea de a pl\u0103ti extra pentru diverse pachete pentru c\u0103l\u0103tori, de exemplu sporturi extreme \u0219i schi. Munca non-manual\u0103 este inclus\u0103 \u00een pachetul de baz\u0103, iar pentru munca manual\u0103 po\u021bi pl\u0103ti un supliment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>True Traveller ofer\u0103 trei planuri principale:<\/strong> True Value, Traveller \u0219i Traveller Plus. Fiecare plan ofer\u0103 un nivel diferit de acoperire. Cel mai ieftin plan, True Value, include \u00eengrijire medical\u0103 p\u00e2n\u0103 la 2,5 milioane GBP, dar acoperirea este mai limitat\u0103 dec\u00e2t la celelalte dou\u0103 planuri. Planul Traveller ofer\u0103 plafoane mai mari pentru cheltuielile medicale, precum \u0219i acoperire pentru anularea \u0219i \u00eent\u00e2rzierea c\u0103l\u0103toriei, \u00een timp ce Traveller Plus are cele mai mari plafoane \u0219i include, de exemplu, sume mai mari pentru cheltuieli juridice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un alt avantaj al asigur\u0103rii True Traveller este c\u0103 po\u021bi alege dac\u0103 vrei s\u0103 adaugi acoperire pentru anumite activit\u0103\u021bi sau sporturi de iarn\u0103, ceea ce \u00ee\u021bi permite s\u0103 adaptezi asigurarea la nevoile tale specifice \u0219i, astfel, s\u0103 reduci costurile.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen ceea ce prive\u0219te flexibilitatea, True Traveller permite vizitele acas\u0103 \u00een timpul c\u0103l\u0103toriei, asigurarea fiind suspendat\u0103 c\u00e2t timp e\u0219ti acas\u0103 \u0219i reactiv\u00e2ndu-se de \u00eendat\u0103 ce revii pe drum. Asigurarea poate fi re\u00eennoit\u0103 u\u0219or \u0219i \u00een timpul c\u0103l\u0103toriei, dac\u0103, de exemplu, ui\u021bi s\u0103 prelunge\u0219ti contractul la timp.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>La fel ca Safety Wing, asigurarea poate fi cump\u0103rat\u0103 chiar \u0219i atunci c\u00e2nd e\u0219ti deja pe drum \u0219i te po\u021bi asigura \u0219i f\u0103r\u0103 bilet de \u00eentoarcere.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\"><img decoding=\"async\" src=\"https:\/\/www.loudavymkrokem.cz\/wp-content\/uploads\/2023\/05\/true-traveller-pojisteni-2048x637.png\" alt=\"Asigurarea True Traveller\" class=\"wp-image-58806\" title=\"\"><\/a><\/figure>\n\n\n<div style=\"gap: 20px\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-b44f72ea-23a4-4163-9314-826529a24a65\"><div class=\"ub-button-container\">\n\t\t\t<a href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"ub-button-block-main   ub-button-flex\" role=\"button\" style=\"--ub-button-background-color: #cf2e2e; --ub-button-color: #ffffff; --ub-button-border: none; --ub-button-hover-background-color: #313131; --ub-button-hover-color: #ffffff; --ub-button-hover-border: none; font-size: 17px; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-top-left-radius: 10px;; border-top-right-radius: 10px;; border-bottom-left-radius: 10px;; border-bottom-right-radius: 10px;; \">\n\t\t\t\t<div class=\"ub-button-content-holder\" style=\"flex-direction: row\">\n\t\t\t\t\t<span class=\"ub-button-block-btn\">Descoper\u0103 asigurarea True Traveller<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Merita_sa_asiguri_bunurile_mobile\"><\/span>Merit\u0103 s\u0103 asiguri bunurile mobile?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen timp ce asigurarea pentru accidente, evacuare \u0219i dezastre naturale este un standard pentru c\u0103l\u0103toriile pe termen lung, ar trebui s\u0103 te g\u00e2nde\u0219ti de dou\u0103 ori dac\u0103 chiar ai nevoie s\u0103 asiguri \u0219i altceva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Faptul c\u0103 asigur\u0103torul \u00ee\u021bi ofer\u0103 o asigurare pentru echipamente electronice nu \u00eenseamn\u0103 neap\u0103rat c\u0103 merit\u0103.<\/strong> Dup\u0103 cum vei descoperi din listele lor de pre\u021buri, asigurarea unui MacBook sau iPhone este o afacere destul de costisitoare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 c\u0103l\u0103tore\u0219ti cu un aparat foto profesional \u0219i cu mai multe dispozitive, o astfel de asigurare suplimentar\u0103 poate ajunge f\u0103r\u0103 probleme la peste 600 EUR pe an, iar asigur\u0103torii de regul\u0103 acoper\u0103 echipamentele doar p\u00e2n\u0103 la 600-800 EUR.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cemi este clar c\u0103 perspectiva de a cump\u0103ra un laptop nou de 2000 EUR \u00ee\u021bi d\u0103 fiori (la fel ca nou\u0103, c\u00e2nd ne-am \u00eenecat \u00een cort un MacBook Pro aproape nou). Dar chiar merit\u0103 s\u0103 dai asigur\u0103torului 600 EUR \u00een plus \u00een fiecare an \u201epentru orice eventualitate&#8221;?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Asigurarea bagajelor este de-a dreptul o prostie, pentru c\u0103 asigur\u0103torii exclud de regul\u0103 electronicele din ea.<\/strong> Nu \u0219tiu cum stau lucrurile la tine, dar la noi cea mai mare parte din valoarea bagajului o reprezint\u0103 tocmai tehnica pe care o transport\u0103m \u00een el.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ce_tip_de_asigurare_de_calatorie_sa_alegi\"><\/span>Ce tip de asigurare de c\u0103l\u0103torie s\u0103 alegi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Asigurarea de c\u0103l\u0103torie poate fi \u00eemp\u0103r\u021bit\u0103 \u00een trei categorii, fiecare acoperind ceva complet diferit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Asigurarea_medicala_de_calatorie\"><\/span>Asigurarea medical\u0103 de c\u0103l\u0103torie<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Asigurarea de s\u0103n\u0103tate obi\u0219nuit\u0103 pe care o pl\u0103te\u0219ti \u00een \u021bar\u0103 de cele mai multe ori nu este valabil\u0103 \u00een str\u0103in\u0103tate.<\/strong><\/p>\n\n\n\n<p class=\"has-pale-cyan-blue-background-color has-background wp-block-paragraph\">\ud83d\udca1 O excep\u021bie o reprezint\u0103 c\u0103l\u0103toriile \u00een Uniunea European\u0103 \u0219i \u00een unele state SEE, unde Cardul European de Asigur\u0103ri Sociale de S\u0103n\u0103tate \u00ee\u021bi asigur\u0103, \u00een caz de problem\u0103 medical\u0103,<strong> \u00eengrijirea medical\u0103 de baz\u0103 necesar\u0103<\/strong>. \u00cen acel moment \u00eens\u0103 \u021bi se aplic\u0103 acelea\u0219i reguli ca localnicilor = dac\u0103 pentru sistemul medical local este o afacere scump\u0103, atunci va fi \u0219i pentru tine. <a href=\"https:\/\/www.cnas.ro\/card-european\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Mai multe aici.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A\u0219adar, este important s\u0103 te asiguri corect.<\/strong> Pentru c\u0103 ce vei face atunci c\u00e2nd, undeva \u00een Noua Zeeland\u0103, \u00een Uganda sau altundeva, te vei \u00eemboln\u0103vi sau vei suferi un accident care necesit\u0103 tratament chiar pe loc?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tratamentul local cost\u0103 o groaz\u0103 de bani, iar f\u0103r\u0103 o asigurare ca lumea vei pl\u0103ti mii de euro pentru un tratament pe care acas\u0103 \u00eel consideri gratuit \u00een cadrul asigur\u0103rii obligatorii.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trebuie s\u0103 \u021bii cont c\u0103 aproape niciun asigur\u0103tor nu-\u021bi va permite s\u0103 te tratezi \u00een str\u0103in\u0103tate pe <strong>termen lung<\/strong>. De \u00eendat\u0103 ce va fi posibil, te vor repatria, unde te vei trata deja \u00een cadrul asigur\u0103rii de s\u0103n\u0103tate de acas\u0103. Iar pentru c\u0103 tr\u0103im \u00eentr-un stat social (cu to\u021bii pl\u0103tim asigurarea obligatorie), nu trebuie s\u0103-\u021bi faci griji c\u0103 vei avea cheltuieli cu tratamentul ulterior.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Asigurarea_de_transfer_catre_alt_spital\"><\/span>Asigurarea de transfer c\u0103tre alt spital<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La \u00eencheierea contractului de asigurare, vei \u00eent\u00e2lni adesea termenul \u201eemergency medical transportation&#8221;. Fie face parte din asigurare (la majoritatea asigur\u0103torilor), fie poate fi achizi\u021bionat separat. La ce folose\u0219te asigurarea de transfer?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O astfel de asigurare este folosit\u0103 de obicei \u00een cazul \u00een care <strong>spitalul unde ajungi cu problema ta acut\u0103 nu este echipat pentru tratamentul necesar<\/strong>. Este vorba, de exemplu, de situa\u021bii \u00een care spitalul nu efectueaz\u0103 tipul de opera\u021bie de care ai nevoie chiar atunci.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Medicul care se ocup\u0103 de tine poate solicita transferul c\u0103tre un alt spital, mai bine echipat. \u0218i tocmai acest <strong>transport \u201e\u00een plus&#8221; este acoperit de pachetul special de asigurare<\/strong>. \u00ce\u021bi recomand\u0103m cu t\u0103rie s\u0103 incluzi asigurarea de transfer direct \u00een cadrul asigur\u0103rii, nu ca serviciu separat. \u00cen cazul serviciului separat ai asigurat doar transferul \u00een sine, dar nu \u0219i tratamentul ulterior!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pentru ce tip de c\u0103l\u0103torie se potrive\u0219te cel mai bine asigurarea de transfer?<\/strong> Mai ales dac\u0103 porne\u0219ti \u00een trasee lungi prin natur\u0103 sau te deplasezi prin \u021b\u0103ri mai pu\u021bin dezvoltate, cu infrastructur\u0103 medical\u0103 insuficient\u0103. \u00cen ora\u0219ele mari \u0219i \u00een \u021b\u0103rile dezvoltate, de regul\u0103, nu ai nevoie de transferuri. Asigurarea de transfer poate fi \u00eencheiat\u0103 \u0219i pentru c\u0103l\u0103torii individuale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plafoanele de asigurare variaz\u0103 de la 20 000 EUR p\u00e2n\u0103 la zeci de milioane (inclusiv plafoane nelimitate). La prima vedere nu pare, dar o evacuare cu elicopter, \u00eenso\u021bit\u0103 de o ac\u021biune de c\u0103utare din mun\u021bi inaccesibili, poate ajunge la o sum\u0103 cu adev\u0103rat astronomic\u0103, de aceea recomand\u0103m \u00eencheierea unui plafon de cel pu\u021bin 120 000 EUR.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Asigurarea_de_calatorie_%E2%80%9Epe_bunuri%E2%80%9D\"><\/span>Asigurarea de c\u0103l\u0103torie \u201epe bunuri&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">O categorie separat\u0103 o reprezint\u0103 asigurarea pentru daune produse unei ter\u021be persoane, pentru pierdere \u0219i furt sau, de exemplu, pentru \u00eent\u00e2rzierea zborului. Aceste asigur\u0103ri sunt adesea incluse \u00een cadrul cardurilor de plat\u0103, dar trebuie s\u0103 cite\u0219ti cu aten\u021bie condi\u021biile asigur\u0103rii.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Acest tip de asigurare este adesea cea mai scump\u0103 pozi\u021bie, mai ales dac\u0103 vrei s\u0103 asiguri echipamentul foto \u0219i electronica cu care c\u0103l\u0103tore\u0219ti.<\/strong> Multe asigur\u0103ri medicale de c\u0103l\u0103torie includ \u00eens\u0103 deja \u0219i acest tip \u00eentr-o m\u0103sur\u0103 limitat\u0103 sau \u00eel ofer\u0103 contra unui supliment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 nu prime\u0219ti o ofert\u0103 avantajoas\u0103 odat\u0103 cu asigurarea medical\u0103 sau dac\u0103 nu ai o asigurare bonus prin cardul de credit, adesea <strong>nu merit\u0103 deloc s\u0103 achizi\u021bionezi acest tip de asigurare.<\/strong> De ce?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Exist\u0103 o \u0219ans\u0103 foarte mic\u0103 ca a\u0219a ceva s\u0103 se \u00eent\u00e2mple cu adev\u0103rat<\/li>\n\n\n\n<li>Chiar dac\u0103 \u021bi se \u00eent\u00e2mpl\u0103 ceva (de exemplu, \u00ee\u021bi sparg\u0103 ma\u0219ina \u00eenchiriat\u0103), asigur\u0103torul va g\u0103si probabil \u00een contract o excep\u021bie prin care evit\u0103 plata<\/li>\n\n\n\n<li>Chiar dac\u0103 \u021bi se \u00eent\u00e2mpl\u0103 ceva, \u00eenlocuirea echipamentului furat sau cump\u0103rarea unui bilet nou din buzunar poate fi mai ieftin\u0103 dec\u00e2t \u00eentreaga asigurare<\/li>\n\n\n\n<li>\u00cen multe cazuri ai dreptul la compensa\u021bie de la o ter\u021b\u0103 parte chiar \u0219i f\u0103r\u0103 asigurare (de exemplu, la \u00eent\u00e2rzierea zborului)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ca exemplu, s\u0103 lu\u0103m produsul popular <strong>asigurarea pentru pierderea escalei la aeroport<\/strong>. Majoritatea asigur\u0103torilor au drept condi\u021bie implicit\u0103 ca \u00eentre zboruri s\u0103 ai de la dou\u0103 la patru ore pentru escal\u0103, altfel nici nu se vor ocupa de cazul t\u0103u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen plus, asigurarea pentru \u00eent\u00e2rziere \u00ee\u021bi este necesar\u0103 doar dac\u0103 c\u0103l\u0103tore\u0219ti pe dou\u0103 bilete separate. Dac\u0103 ai un zbor de leg\u0103tur\u0103 pe un singur bilet (o singur\u0103 companie), avionul fie a\u0219teapt\u0103, fie prime\u0219ti bilet de \u00eenlocuire\/desp\u0103gubire. \u0218i c\u00e2te zboruri de leg\u0103tur\u0103 \u00eent\u00e2rzie de fapt? \u00centre 0,1% \u0219i 1,5%. \u0218i de c\u00e2te ori pe an zbori? \ud83d\ude42 Asigurarea pentru pierderea zborului pur \u0219i simplu nu merit\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Observatii_pentru_alegerea_unei_asigurari_potrivite\"><\/span>Observa\u021bii pentru alegerea unei asigur\u0103ri potrivite<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La alegerea unei asigur\u0103ri pe termen lung trebuie s\u0103 te concentrezi mai ales pe asigur\u0103torii specializa\u021bi<\/strong>, care sunt \u00een mare parte str\u0103ini. De ce? Pentru c\u0103 asigur\u0103torii clasici au limit\u0103ri considerabile pentru asigurarea \u201epe termen lung&#8221;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Introduc limite pentru zilele petrecute \u00een afara \u021b\u0103rii.<\/strong> Vei \u00eent\u00e2lni termene de 30, 60 sau 90 de zile, dup\u0103 care trebuie s\u0103 te \u00eentorci acas\u0103, chiar \u0219i doar pentru o escal\u0103 la aeroport.<\/li>\n\n\n\n<li>Dac\u0103 asigurarea este legat\u0103 de cardul de credit, <strong>\u00ee\u021bi cer s\u0103 pl\u0103te\u0219ti 50%-100% din costurile c\u0103l\u0103toriei tocmai cu acel card de credit<\/strong>.<\/li>\n\n\n\n<li>Dac\u0103 totu\u0219i g\u0103se\u0219ti o asigurare anual\u0103, <strong>de multe ori ai un num\u0103r limitat de reveniri acas\u0103<\/strong>. Adesea, deja la a doua revenire din anul respectiv, \u021bi se anuleaz\u0103 poli\u021ba, f\u0103r\u0103 drept la desp\u0103gubire.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fii atent \u0219i la plata fran\u0219izei.<\/strong> Fie fran\u0219iza se pl\u0103te\u0219te la fiecare utilizare a poli\u021bei, fie doar o singur\u0103 dat\u0103 pe toat\u0103 durata asigur\u0103rii. A doua variant\u0103 este, evident, mai bun\u0103, pentru c\u0103 atunci c\u00e2nd folose\u0219ti poli\u021ba de mai multe ori \u00eentr-o perioad\u0103, pl\u0103te\u0219ti fran\u0219iza doar o singur\u0103 dat\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La prelungirea poli\u021bei, de regul\u0103, dac\u0103 \u00een perioada anterioar\u0103 ai f\u0103cut o cerere de desp\u0103gubire (s\u0103 zicem pentru un tratament ambulatoriu la din\u021bi), \u00een noul an din\u021bii nu-\u021bi vor mai fi asigura\u021bi (eventual contra unui supliment).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prezentarea_celor_mai_bune_asigurari_de_calatorie_pe_termen_lung\"><\/span>Prezentarea celor mai bune asigur\u0103ri de c\u0103l\u0103torie pe termen lung<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Urmeaz\u0103 o prezentare a asigur\u0103torilor specializa\u021bi \u00een c\u0103l\u0103torii pe termen lung \u0219i nomazi digitali.<\/strong> Se porne\u0219te de la premisa c\u0103 \u00ee\u021bi pl\u0103te\u0219ti asigurarea de s\u0103n\u0103tate \u00een \u021bara de reziden\u021b\u0103 (sau altundeva, dac\u0103 nu e\u0219ti rezident).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To\u021bi asigur\u0103torii men\u021biona\u021bi permit \u00eencheierea contractului de asigurare chiar \u0219i atunci c\u00e2nd e\u0219ti deja pe drum \u0219i nu limiteaz\u0103 durata petrecut\u0103 \u00een str\u0103in\u0103tate. Asta \u00eenseamn\u0103 c\u0103, pe durata asigur\u0103rii, nu trebuie s\u0103 revii repetat acas\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SafetyWing\"><\/span><strong>SafetyWing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"SafetyWing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a> este<\/strong> <strong>recomandarea noastr\u0103 num\u0103rul unu<\/strong>. <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"SafetyWing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\"><strong>SafetyWing<\/strong><\/a> este un startup care a adus modelul de abonament (ca de exemplu Netflix sau Spotify) \u00een lumea asigur\u0103rilor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nu te speria de cuv\u00e2ntul start-up. De\u0219i \u00een spatele ideii stau nomazi digitali ca noi, au ca partener una dintre cele mai bune companii de asigur\u0103ri din lume \u2013 Tokio Marine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"SafetyWing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a> este o re\u021bea de protec\u021bie global\u0103 \u0219i independent\u0103 teritorial pentru to\u021bi freelancerii \u0219i nomazii digitali.<\/strong> De aceea, asigurarea lor ofer\u0103 deja ast\u0103zi o serie de func\u021bii pe care alte companii nu le au.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safety-wing\/\"><img decoding=\"async\" src=\"https:\/\/www.loudavymkrokem.cz\/wp-content\/uploads\/2023\/05\/SafetyWing-Universe-B.jpg\" alt=\"Universul SafetyWing\" class=\"wp-image-58808\" title=\"\"><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ce este cu adev\u0103rat bun la <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"SafetyWing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a>?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Abonament lunar<\/strong>. Pentru asigurare pl\u0103te\u0219ti lunar \u0219i, la fel ca la Netflix, nu te angajezi la o durat\u0103 anume. Po\u021bi anula oric\u00e2nd plata pentru luna urm\u0103toare.<\/li>\n\n\n\n<li><strong>Pre\u021b avantajos.<\/strong> De fapt, unul dintre cele mai mici, dac\u0103 ceri la ceilal\u021bi asigur\u0103tori o poli\u021b\u0103 configurat\u0103 identic.<\/li>\n\n\n\n<li><strong>Plafon anual pentru fran\u0219iz\u0103.<\/strong> Indiferent de c\u00e2te ori pe an folose\u0219ti poli\u021ba, vei pl\u0103ti \u00een total, pe fran\u0219ize, maximum 250 USD.<\/li>\n\n\n\n<li><strong>Fran\u0219iz\u0103 zero pentru o serie de cereri<\/strong>, cum ar fi tratamentul stomatologic de urgen\u021b\u0103, transferul c\u0103tre alt spital, \u00eentreruperea c\u0103l\u0103toriei, pierderea bagajelor, \u00eent\u00e2rzierea pe drum, daunele produse altora etc.<\/li>\n\n\n\n<li><strong>Acoper\u0103 tratamentul \u00een unit\u0103\u021bi private<\/strong>. Nu trebuie s\u0103 cau\u021bi spitale \u0219i medici publici. Mai ales \u00een \u021b\u0103rile \u00een curs de dezvoltare, medicii priva\u021bi sunt mult mai buni.<\/li>\n\n\n\n<li><strong>Pl\u0103te\u0219te direct spitalelor<\/strong>. Dac\u0103 nu ceri neap\u0103rat mutarea \u00een alt\u0103 unitate, <strong><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"SafetyWing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a><\/strong> achit\u0103 facturile direct. Asta \u00eenseamn\u0103 c\u0103 nu va trebui s\u0103 pl\u0103te\u0219ti facturile singur (\u0219i apoi s\u0103 ceri decontarea).<\/li>\n\n\n\n<li><strong>Asigurarea \u0219i acas\u0103<\/strong>. Chiar dac\u0103 nu \u021bi-ai pl\u0103ti asigurarea de s\u0103n\u0103tate acas\u0103 (de exemplu, dac\u0103 ai pleca s\u0103 lucrezi un an \u00een Canada), <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"SafetyWing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\"><strong>SafetyWing<\/strong><\/a> te acoper\u0103 \u0219i acas\u0103. \u0218i asta p\u00e2n\u0103 la 30 de zile la fiecare 90 de zile de asigurare. Adic\u0103 \u00een total 120 de zile pe an de asigurare.<\/li>\n\n\n\n<li><strong>Acela\u0219i pre\u021b pe lun\u0103 \u0219i pe an.<\/strong> Cu c\u00e2t asigurarea este mai scurt\u0103, cu at\u00e2t pl\u0103te\u0219ti mai mult pe zi la asigur\u0103tori. La <strong><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"SafetyWing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a><\/strong> pl\u0103te\u0219ti mereu la fel. Se potrive\u0219te \u0219i \u00een cazul \u00een care c\u0103l\u0103tore\u0219ti pe o perioad\u0103 mai scurt\u0103.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"La_ce_sa_fii_atent_la_Safety_Wing\"><\/span><strong>La ce s\u0103 fii atent la Safety Wing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Asigurarea pentru c\u0103l\u0103toriile \u00een SUA este mai scump\u0103, de aceea <strong>recomand\u0103m s\u0103 activezi tariful cu SUA doar pe perioada \u00een care chiar vei fi acolo<\/strong>. De \u00eendat\u0103 ce pleci, comut\u0103 \u00eenapoi la varianta mai ieftin\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dup\u0103 trecerea a 364 de zile de asigurare, contractul se dezactiveaz\u0103. Adic\u0103 dac\u0103 nu confirmi prelungirea prin e-mail. La asta fii atent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Asigurarea mai lung\u0103 de 28 de zile se pl\u0103te\u0219te la fiecare 4 s\u0103pt\u0103m\u00e2ni. <strong>Astfel nu trebuie s\u0103 sco\u021bi o sum\u0103 mare de bani dintr-o dat\u0103<\/strong>, cum se \u00eent\u00e2mpl\u0103 la to\u021bi ceilal\u021bi asigur\u0103tori. <a href=\"https:\/\/safetywing.com\/static\/media\/safety-wing-specimen-policy-0118.dc91f542.pdf?referenceID=24736613&amp;utm_source=24736613&amp;utm_medium=Ambassador\" target=\"_blank\" rel=\"noopener\">Textul integral al contractului de asigurare<\/a><\/em> \u00eel g\u0103se\u0219ti aici.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"SafetyWing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\"><strong>SafetyWing<\/strong><\/a> ofer\u0103 \u0219i tarife speciale pentru start-up-uri \u0219i firme online care au angaja\u021bi \u00een toat\u0103 lumea. \u00cen cadrul unui singur abonament po\u021bi astfel asigura \u00eengrijirea medical\u0103 a echipei tale oriunde \u00een lume. Produsul se nume\u0219te <a aria-label=\"Remote Health (opens in a new tab)\" href=\"https:\/\/safetywing.com\/remote-health\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Remot<\/strong><\/a><strong><a href=\"https:\/\/safetywing.com\/remote-health?referenceID=24736613&amp;utm_source=24736613&amp;utm_medium=Ambassador\" target=\"_blank\" rel=\"noreferrer noopener\">e <\/a><\/strong><a aria-label=\"Remote Health (opens in a new tab)\" href=\"https:\/\/safetywing.com\/remote-health\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Health<\/strong><\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Calculatorul_de_asigurare_SafetyWing\"><\/span>Calculatorul de asigurare <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"SafetyWing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"safetywing-price-widget\" data-safetywingaffiliateid=\"24736613\" data-scale=\"1.0\"><\/div>\n<script type=\"text\/javascript\" src=\"https:\/\/storage.googleapis.com\/safetywing-static\/widget\/safetywing-price-widget.js\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"True_Traveller\"><\/span>True Traveller<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"True Traveller\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" data-shortcode=\"true\"><strong>True Traveller<\/strong><\/a> este un asigur\u0103tor britanic popular mai ales printre locuitorii Spa\u021biului Economic European, deoarece nimeni altcineva nu se poate asigura la ei.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Variantele mai ieftine de asigurare de la True Traveller sunt destul de avantajoase, cel pu\u021bin \u00een cazul \u00een care pl\u0103te\u0219ti asigurarea \u00een avans, pe cel pu\u021bin un an. Spre deosebire de <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"SafetyWing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\"><strong>SafetyWing<\/strong><\/a>, ofer\u0103 o serie \u00eentreag\u0103 de asigur\u0103ri suplimentare (pe care <strong><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"SafetyWing\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safetywing-dlouhodobe-pojisteni\/\" data-shortcode=\"true\">SafetyWing<\/a><\/strong> le are incluse \u00een pre\u021b), care ies destul de scump.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ce este cu adev\u0103rat bun la <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"True Traveller\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" data-shortcode=\"true\">True Traveller<\/a>?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Te asigur\u0103 p\u00e2n\u0103 la aproximativ 12 milioane de euro<\/strong>, ceea ce nu se poate spune despre o mul\u021bime de concuren\u021bi.<\/li>\n\n\n\n<li><strong>Poli\u021ba poate fi \u00eencheiat\u0103 pe p\u00e2n\u0103 la 18 luni<\/strong>. \u00cen plus, o po\u021bi prelungi. Dezavantajul este c\u0103 prima de asigurare se pl\u0103te\u0219te dintr-o dat\u0103.<\/li>\n\n\n\n<li>\u00cen pachetul de baz\u0103 acoper\u0103 <strong>peste 90 de activit\u0103\u021bi sportive<\/strong>.<\/li>\n\n\n\n<li><strong>Te po\u021bi \u00eentoarce acas\u0103 \u00een mod repetat<\/strong>. Doar c\u0103 acas\u0103 asigur\u0103torul nu te va acoperi.<\/li>\n\n\n\n<li><strong>Cheltuielile medicale de peste 500 GBP le pl\u0103te\u0219te direct<\/strong>. Sumele mai mici trebuie s\u0103 le pl\u0103te\u0219ti din buzunar \u0219i apoi s\u0103 ceri decontarea facturilor.<\/li>\n\n\n\n<li><strong>Asigurarea suplimentar\u0103 pentru c\u0103l\u0103torii \u00een SUA \u0219i Canada este ieftin\u0103.<\/strong> La un contract anual, asigurarea suplimentar\u0103 cost\u0103 90 USD.<\/li>\n\n\n\n<li>97% dintre recenziile de pe <a href=\"http:\/\/trustpilot.com\/\" target=\"_blank\" rel=\"noopener\"><strong>Trustpilot<\/strong><\/a> <strong>evalueaz\u0103 asigur\u0103torul ca un serviciu excelent<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La ce s\u0103 fii atent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Suplimentele cost\u0103 o gr\u0103mad\u0103 de bani.<\/strong> Prelungirea poli\u021bei anuale (\u00een valoare de 500 USD) cu o singur\u0103 s\u0103pt\u0103m\u00e2n\u0103 cost\u0103 incredibil de mult, 50 USD.<\/li>\n\n\n\n<li>Dac\u0103 \u00een apropiere exist\u0103 un spital public sau un medic partener, <strong>nu deconteaz\u0103 tratamentul \u00eentr-o unitate privat\u0103<\/strong>.<\/li>\n\n\n\n<li><strong>Fran\u0219iz\u0103 ridicat\u0103.<\/strong> La comand\u0103, bifeaz\u0103 c\u0103 nu vrei nicio fran\u0219iz\u0103. Te cost\u0103 \u00een jur de 50 USD pe an \u0219i deja la un singur eveniment asigurat merit\u0103. Fran\u0219iza variaz\u0103 \u00eentre 42 \u0219i 150 USD per eveniment.<\/li>\n\n\n\n<li><strong>Munca \u00een str\u0103in\u0103tate nu este asigurat\u0103 \u00een pachetul de baz\u0103.<\/strong> Trebuie s\u0103-\u021bi iei pachetul suplimentar Adventure Pack, care acoper\u0103 munca manual\u0103 \u0219i voluntariatul.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"World_Nomads\"><\/span>World Nomads<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pentru c\u0103l\u0103torii mai conservatori se afl\u0103 \u00eenc\u0103 pe pia\u021b\u0103 <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"World Nomads\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/world-nomads\/\" data-shortcode=\"true\"><strong>World Nomads<\/strong><\/a>, un asigur\u0103tor cu o istorie \u00eendelungat\u0103. Principalul lor atu este posibilitatea de a \u00eencheia asigurarea chiar \u0219i atunci c\u00e2nd e\u0219ti deja pe drum. Ce inovator! Ast\u0103zi asta o permit deja aproape to\u021bi concuren\u021bii \u0219i, cu siguran\u021b\u0103, po\u021bi alege mai bine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Acest asigur\u0103tor este foarte scump \u0219i are condi\u021bii (\u0219i pre\u021buri) diferite pentru fiecare \u021bar\u0103, cu toate acestea \u00ee\u0219i p\u0103streaz\u0103 clientela, mai ales datorit\u0103 numelui s\u0103u \u0219i acoperirii excelente a sporturilor extreme \u00een cel mai scump pachet. De aceea este o asigurare pentru nebuni \u0219i sportivi extremi care au nevoie de un serviciu f\u0103r\u0103 compromisuri.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avantajele World Nomads<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0218tiu s\u0103 pl\u0103teasc\u0103 direct spitalelor<\/strong>, dar nu \u00eentotdeauna reu\u0219esc s\u0103 stabileasc\u0103 asta la timp. Atunci trebuie s\u0103 pl\u0103te\u0219ti tu cheltuielile \u0219i s\u0103 a\u0219tep\u021bi 3-6 s\u0103pt\u0103m\u00e2ni pentru decontarea de la asigur\u0103tor.<\/li>\n\n\n\n<li><strong>Asigurare excelent\u0103 a sporturilor extreme<\/strong> \u00een cel mai scump pachet.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La ce s\u0103 fii atent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>World Nomads colaboreaz\u0103 cu mai mul\u021bi asigur\u0103tori, de aceea fiecare asigurat are condi\u021bii diferite (\u00een func\u021bie de \u021bara de origine). <strong>Se schimb\u0103 pre\u021burile, condi\u021biile, plafoanele \u0219i beneficiile<\/strong>.<\/li>\n\n\n\n<li><strong>Prelungirea poli\u021bei cost\u0103 o gr\u0103mad\u0103 de bani<\/strong>. O s\u0103pt\u0103m\u00e2n\u0103 peste durata \u00eencheiat\u0103 cost\u0103 \u00een jur de 80 USD.<\/li>\n\n\n\n<li><strong>Acas\u0103 te po\u021bi \u00eentoarce doar o singur\u0103 dat\u0103<\/strong> pe durata c\u0103l\u0103toriei \u00een afara grani\u021belor. Nomazii care revin des trebuie astfel s\u0103 cumpere ture mai scurte, la un pre\u021b mai mare.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>PONT:<\/strong> <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Heymondo\" href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/heymondo\/\" data-shortcode=\"true\">Asigurarea de c\u0103l\u0103torie<\/a> merit\u0103 cu siguran\u021b\u0103, pentru c\u0103 nu \u0219tii niciodat\u0103 ce te poate lovi, a\u0219a c\u0103 nu o uita atunci c\u00e2nd \u00ee\u021bi planifici concediul.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Raspunsuri_la_cele_mai_frecvente_intrebari_FAQ\"><\/span>R\u0103spunsuri la cele mai frecvente \u00eentreb\u0103ri (FAQ)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-642430f78e46f\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Ofera_companiile_aeriene_compensatii_pentru_bagajele_pierdute_sau_intarziate\"><\/span>Ofer\u0103 companiile aeriene compensa\u021bii pentru bagajele pierdute sau \u00eent\u00e2rziate?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Da. Fiecare companie aerian\u0103 are reguli pu\u021bin diferite, dar \u00een principiu v\u0103 vor rambursa cheltuielile pe care a trebuit s\u0103 le face\u021bi din cauza bagajului \u00eent\u00e2rziat (<a href=\"https:\/\/www.nazuby.cz\/cestovni-zubni-kartacek\" target=\"_blank\" rel=\"noreferrer noopener\">periu\u021b\u0103 de din\u021bi<\/a>, tricou curat,&#8230;). De asemenea, sunt capabili s\u0103 v\u0103 desp\u0103gubeasc\u0103 pentru bagajele deteriorate sau chiar pierdute. Mai multe despre posibilit\u0103\u021bile de reclama\u021bie <a href=\"https:\/\/www.penize.cz\/spotrebitel\/337605-ztraceny-zpozdeny-nebo-zniceny-kufr-odskodne-muze-byt-vysoke\" target=\"_blank\" rel=\"noopener\">aici<\/a>.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-642430f78e473\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"De_ce_trebuie_sa_completez_tara_de_origine_cand_imi_fac_asigurarea_Sunt_nomad_digital_si_nu_locuiesc_nicaieri\"><\/span>De ce trebuie s\u0103 completez \u021bara de origine c\u00e2nd \u00eemi fac asigurarea? Sunt nomad digital \u0219i nu locuiesc nic\u0103ieri.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Deoarece companiile de asigur\u0103ri trebuie s\u0103 \u0219tie unde ve\u021bi fi transferat \u00een cazul \u00een care ve\u021bi fi grav r\u0103nit sau ve\u021bi avea nevoie de \u00eengrijire pe termen lung. Pentru dumneavoastr\u0103, acesta va fi cel mai probabil \u00eentotdeauna Republica Ceh\u0103. Ave\u021bi familia aici, asigurare de s\u0103n\u0103tate \u0219i nu ave\u021bi nevoie de viz\u0103 pentru intrare. Nu scriu inten\u021bionat c\u0103 trebuie s\u0103 fi\u021bi rezident \u00een \u021bara respectiv\u0103, deoarece unele companii de asigur\u0103ri nu cer acest lucru \u00een mod explicit.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-642430f78e475\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Cand_ar_trebui_sa_imi_cumpar_asigurarea_Sa_astept_pana_in_ziua_plecarii_sau_chiar_pana_in_momentul_calatoriei\"><\/span>C\u00e2nd ar trebui s\u0103 \u00eemi cump\u0103r asigurarea? S\u0103 a\u0219tept p\u00e2n\u0103 \u00een ziua plec\u0103rii sau chiar p\u00e2n\u0103 \u00een momentul c\u0103l\u0103toriei?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Cu c\u00e2t cumperi asigurarea mai devreme, cu at\u00e2t mai bine. Ar trebui s\u0103 pleci la aeroport\/la grani\u021b\u0103 deja av\u00e2nd o asigurare valid\u0103. Condi\u021biile difer\u0103 de la o companie de asigur\u0103ri la alta, dar adesea asigurarea devine valid\u0103 doar la 4 ore de la achizi\u021bionare. Dac\u0103 \u00ee\u021bi cumperi asigurarea abia de la aeroport, exist\u0103 riscul ca firma de asigur\u0103ri s\u0103 nu \u00ee\u021bi deconteze zborul \u00eent\u00e2rziat.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-642430f78e476\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Cum_sa_alegi_o_asigurare_de_calatorie_potrivita_pentru_cererea_de_viza\"><\/span>Cum s\u0103 alegi o asigurare de c\u0103l\u0103torie potrivit\u0103 pentru cererea de viz\u0103?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Unele \u021b\u0103ri cer dovada unei asigur\u0103ri de c\u0103l\u0103torie pl\u0103tite dac\u0103 dori\u021bi s\u0103 c\u0103l\u0103tori\u021bi acolo. Este vorba, de exemplu, despre Canada, SUA sau \u00eentreaga Europ\u0103 (pentru cet\u0103\u021benii din afara Europei). Desigur, verifica\u021bi \u00eentotdeauna cerin\u021bele statului respectiv, dar companiile de asigur\u0103ri men\u021bionate aici ar trebui s\u0103 fie suficiente pentru \u00eentreaga lume.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-642430f78e477\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Se_pot_compara_undeva_asigurarile_de_calatorie_pe_termen_lung\"><\/span>Se pot compara undeva asigur\u0103rile de c\u0103l\u0103torie pe termen lung?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Da, cel pu\u021bin la cele cehe\u0219ti. \u00cencearc\u0103 <a href=\"https:\/\/www.srovnejto.cz\/dlouhodobe-cestovni-pojisteni\/\" target=\"_blank\" rel=\"noopener\">asigurarea de c\u0103l\u0103torie pe termen lung<\/a> de la Srovnejto sau aceast\u0103 <a href=\"https:\/\/www.yespojisteni.cz\/cestovni-pojisteni\/\" target=\"_blank\" rel=\"noopener\">compara\u021bie de asigur\u0103ri de c\u0103l\u0103torie<\/a>.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sfaturi_care_iti_vor_usura_viata_in_timpul_calatoriei\"><\/span>Sfaturi care \u00ee\u021bi vor u\u0219ura via\u021ba \u00een timpul c\u0103l\u0103toriei<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Scaneaz\u0103 regulat toate documentele<\/strong> pe care le ob\u021bii pe drum. Mai ales documentele medicale, dar \u0219i dovezile pentru haine, electronice, obiecte mai scumpe \u0219i echipament de c\u0103l\u0103torie. Ai o dovad\u0103 pentru tot ce cumperi pe drum \u0219i pui \u00een bagaj \u0219i scaneaz\u0103 toate bonurile \u00een cazul \u00een care \u021bi se pierde bagajul. P\u0103streaz\u0103 bonurile \u00eentr-un depozit online.<\/li>\n\n\n\n<li><strong>Ai toate documentele de c\u0103l\u0103torie \u00een format electronic<\/strong>. \u00cen principal pa\u0219aportul, cartea de identitate, permisul de conducere, vizele, \u0219tampilele de intrare din pa\u0219aport etc.<\/li>\n\n\n\n<li><strong>C\u0103l\u0103tore\u0219te cu carduri de plat\u0103 avantajoase pentru c\u0103l\u0103torii<\/strong>. Un card de plat\u0103 obi\u0219nuit las\u0103-l acas\u0103 la familie \u0219i doar noteaz\u0103-\u021bi numerele lui. \u00ce\u021bi pot fi de folos pentru pl\u0103\u021bi online, dac\u0103 \u00ee\u021bi fur\u0103 portofelul.<\/li>\n\n\n\n<li><strong>Ai la tine o copie fizic\u0103 a contractului de asigurare \u0219i a pa\u0219aportului<\/strong>, cu orice pre\u021b, \u00een orice moment. Dac\u0103 \u021bi se \u00eent\u00e2mpl\u0103 vreun accident, cei care te g\u0103sesc trebuie s\u0103 te poat\u0103 identifica \u0219i f\u0103r\u0103 asisten\u021ba ta (dac\u0103 e\u0219ti, de exemplu, incon\u0219tient).<\/li>\n\n\n\n<li><strong>Verific\u0103 ce dezastre mondiale acoper\u0103 asigurarea ta.<\/strong> De exemplu, \u00een cazul coronavirusului, aveai doar 10 zile ca s\u0103 p\u0103r\u0103se\u0219ti \u021b\u0103rile pentru care CDC-ul american a declarat Warning Level 3. \u00cen decurs de o s\u0103pt\u0103m\u00e2n\u0103, era vorba practic de toat\u0103 Europa. Dac\u0103 ai r\u0103mas \u00een \u021b\u0103rile afectate, orice desp\u0103gubire legat\u0103 de coronavirus (spitalizare, zboruri anulate etc.) nu era decontat\u0103.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Dac\u0103 te intereseaz\u0103 oferta asigur\u0103torilor locali, arunc\u0103 o privire la ofertele de asigurare de c\u0103l\u0103torie disponibile \u00een Rom\u00e2nia. Re\u021bine \u00eens\u0103 c\u0103, \u00een majoritatea cazurilor, va trebui s\u0103 revii repetat acas\u0103 pe parcursul anului.<\/em><\/p>\n\n\n\n<div class=\"wp-block-visual-link-preview-link\"><img decoding=\"async\" class=\"vlp-image\" src=\"https:\/\/www.loudavymkrokem.cz\/wp-content\/uploads\/2023\/05\/jak-na-levne-letenky-370x230.jpg\" alt=\"\" title=\"\"><h3><span class=\"ez-toc-section\" id=\"Cum_sa_gasesti_bilete_de_avion_ieftine_15_sfaturi_verificate_si_mai_putin_cunoscute\"><\/span>Cum s\u0103 g\u0103se\u0219ti bilete de avion ieftine: 15 sfaturi verificate \u0219i mai pu\u021bin cunoscute<span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"summary\">C\u0103l\u0103toriile nu sunt scumpe, dar biletele de avion de obicei da. Adesea sunt cea mai scump\u0103 pozi\u021bie a \u00eentregii c\u0103l\u0103torii. Te \u00eenv\u0103\u021b\u0103m cum s\u0103 cau\u021bi bilete ieftine.<\/div><\/div>\n\n\n\n<div class=\"wp-block-visual-link-preview-link\"><img decoding=\"async\" class=\"vlp-image\" src=\"https:\/\/www.loudavymkrokem.cz\/wp-content\/uploads\/2023\/05\/kratkodobe-pronajmy-370x230.jpg\" alt=\"\" title=\"\"><h3><span class=\"ez-toc-section\" id=\"Cum_sa_gasesti_cazare_ieftina\"><\/span>Cum s\u0103 g\u0103se\u0219ti cazare ieftin\u0103<span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"summary\">Cazarea ieftin\u0103 este disponibil\u0103 \u00een toat\u0103 lumea. Pe l\u00e2ng\u0103 hoteluri exist\u0103 o serie \u00eentreag\u0103 de op\u021biuni de cazare pe care le ob\u021bii la o frac\u021biune din pre\u021b, [&hellip;]<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u2705 Cum s\u0103 alegi o asigurare de c\u0103l\u0103torie pe termen lung? \u2705 Ghid pentru c\u0103l\u0103tori \u0219i nomazi digitali \u2705 Asigurarea ca abonament<\/p>\n","protected":false},"author":2,"featured_media":55187,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","rank_math_title":"Asigurare de c\u0103l\u0103torie pe termen lung: compara\u021bie","rank_math_description":"Ghid complet pentru asigurarea de c\u0103l\u0103torie pe termen lung: compara\u021bie SafetyWing, True Traveller \u0219i World Nomads. Alege poli\u021ba potrivit\u0103 pentru drumul t\u0103u!","rank_math_focus_keyword":"asigurare c\u0103l\u0103torie","rank_math_seo_score":""},"categories":[2014],"tags":[],"class_list":["post-310115","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sfaturi-de-calatorie"],"acf":[],"featured_image_src":"https:\/\/loudavymkrokem.cz\/wp-content\/uploads\/2019\/08\/dlouhodobe-cestovni-pojisteni.jpg","author_info":{"display_name":"Luk\u00e1\u0161 Kone\u010dn\u00fd","author_link":"https:\/\/loudavymkrokem.cz\/ro\/author\/lukas-konecny\/"},"_links":{"self":[{"href":"https:\/\/loudavymkrokem.cz\/ro\/wp-json\/wp\/v2\/posts\/310115","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/loudavymkrokem.cz\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/loudavymkrokem.cz\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/ro\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/ro\/wp-json\/wp\/v2\/comments?post=310115"}],"version-history":[{"count":2,"href":"https:\/\/loudavymkrokem.cz\/ro\/wp-json\/wp\/v2\/posts\/310115\/revisions"}],"predecessor-version":[{"id":310122,"href":"https:\/\/loudavymkrokem.cz\/ro\/wp-json\/wp\/v2\/posts\/310115\/revisions\/310122"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/ro\/wp-json\/wp\/v2\/media\/55187"}],"wp:attachment":[{"href":"https:\/\/loudavymkrokem.cz\/ro\/wp-json\/wp\/v2\/media?parent=310115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/ro\/wp-json\/wp\/v2\/categories?post=310115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/ro\/wp-json\/wp\/v2\/tags?post=310115"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}