{"id":72949,"date":"2019-08-13T14:25:44","date_gmt":"2019-08-13T12:25:44","guid":{"rendered":"https:\/\/loudavymkrokem.cz\/dlhodobe-cestovne-poistenie\/"},"modified":"2026-03-30T13:16:00","modified_gmt":"2026-03-30T11:16:00","slug":"dlhodobe-cestovne-poistenie","status":"publish","type":"post","link":"https:\/\/loudavymkrokem.cz\/sk\/dlhodobe-cestovne-poistenie\/","title":{"rendered":"Najlep\u0161ie ro\u010dn\u00e9 cestovn\u00e9 poistenie: porovnanie od cestovate\u013eov"},"content":{"rendered":"\n<p>\u010ci u\u017e ste digit\u00e1lny nom\u00e1d, dlhodob\u00fd cestovate\u013e alebo sa pr\u00e1ve chyst\u00e1te na dlh\u00fa cestu, vhodn\u00e9 cestovn\u00e9 poistenie je z\u00e1klad, bez ktor\u00e9ho nem\u00f4\u017eete vyrazi\u0165.<\/p>\n\n<p><strong>Poisti\u0165 svoje zdravie po\u010das pobytu v zahrani\u010d\u00ed je absol\u00fatnou nevyhnutnos\u0165ou.<\/strong> Existuje v\u0161ak ve\u013ea pois\u0165ovn\u00ed a ich porovnanie nie je v\u00f4bec jednoduch\u00e9.<\/p>\n\n<p>Navy\u0161e, ke\u010f si za\u010dnete vybera\u0165, za\u010dne v\u00e1m v hlave v\u00edri\u0165 mno\u017estvo vec\u00ed. M\u00e1m si zaobstara\u0165 iba zdravotn\u00e9 poistenie? Alebo chcete rad\u0161ej pripoisti\u0165 aj telef\u00f3n a po\u010d\u00edta\u010d? A \u010do kufre?<\/p>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_1 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\/sk\/dlhodobe-cestovne-poistenie\/#Najlepsie_dlhodobe_cestovne_poistenie\" >Najlep\u0161ie dlhodob\u00e9 cestovn\u00e9 poistenie<\/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\/sk\/dlhodobe-cestovne-poistenie\/#True_Traveller\" >True Traveller<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Safety_Wing\" >Safety Wing<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Ma_zmysel_poistit_hnutelny_majetok\" >M\u00e1 zmysel poisti\u0165 hnute\u013en\u00fd majetok?<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Aky_typ_cestovneho_poistenia_si_vybrat\" >Ak\u00fd typ cestovn\u00e9ho poistenia si vybra\u0165<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Cestovne_zdravotne_poistenie\" >Cestovn\u00e9 zdravotn\u00e9 poistenie<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Poistenie_pre_pripad_transferu_do_inej_nemocnice\" >Poistenie pre pr\u00edpad transferu do inej nemocnice<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Cestovne_poistenie_%E2%80%9Ena_veci%E2%80%9C\" >Cestovn\u00e9 poistenie &#8222;na veci&#8220;<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Poznamky_k_vyberu_vhodneho_poistenia\" >Pozn\u00e1mky k v\u00fdberu vhodn\u00e9ho poistenia<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Prehlad_najlepsieho_dlhodobeho_cestovneho_poistenia\" >Preh\u013ead najlep\u0161ieho dlhodob\u00e9ho cestovn\u00e9ho poistenia<\/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\/sk\/dlhodobe-cestovne-poistenie\/#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\/sk\/dlhodobe-cestovne-poistenie\/#Na_co_si_dat_pozor_pri_Safety_Wing\" >Na \u010do si da\u0165 pozor pri 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\/sk\/dlhodobe-cestovne-poistenie\/#Poistna_kalkulacka_SafetyWing\" >Poistn\u00e1 kalkula\u010dka 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\/sk\/dlhodobe-cestovne-poistenie\/#True_Traveller-2\" >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\/sk\/dlhodobe-cestovne-poistenie\/#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\/sk\/dlhodobe-cestovne-poistenie\/#Odpovede_na_casto_kladene_otazky_FAQ\" >Odpovede na \u010dasto kladen\u00e9 ot\u00e1zky (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\/sk\/dlhodobe-cestovne-poistenie\/#Poskytuju_letecke_spolocnosti_nahradu_za_stratenu_alebo_oneskorenu_batozinu\" >Poskytuj\u00fa leteck\u00e9 spolo\u010dnosti n\u00e1hradu za straten\u00fa alebo oneskoren\u00fa bato\u017einu?<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Preco_musim_pri_uzatvarani_poistenia_vyplnit_svoju_domovsku_krajinu_Som_digitalny_nomad_a_nikde_nebyvam\" >Pre\u010do mus\u00edm pri uzatv\u00e1ran\u00ed poistenia vyplni\u0165 svoju domovsk\u00fa krajinu? Som digit\u00e1lny nom\u00e1d a nikde neb\u00fdvam.<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Kedy_si_mam_kupit_poistenie_Mam_pockat_do_dna_odchodu_alebo_dokonca_az_do_samotnej_cesty\" >Kedy si m\u00e1m k\u00fapi\u0165 poistenie? M\u00e1m po\u010dka\u0165 do d\u0148a odchodu alebo dokonca a\u017e do samotnej cesty?<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Ako_si_mozem_vybrat_spravne_cestovne_poistenie_vhodne_pre_ziadost_o_vizum\" >Ako si m\u00f4\u017eem vybra\u0165 spr\u00e1vne cestovn\u00e9 poistenie vhodn\u00e9 pre \u017eiados\u0165 o v\u00edzum?<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Da_sa_niekde_porovnat_dlhodobe_cestovne_poistenie\" >D\u00e1 sa niekde porovna\u0165 dlhodob\u00e9 cestovn\u00e9 poistenie?<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Tipy_ktore_vam_ulahcia_zivot_pri_cestovani\" >Tipy, ktor\u00e9 v\u00e1m u\u013eah\u010dia \u017eivot pri cestovan\u00ed<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Ako_na_lacne_letenky_15_osvedcenych_a_menej_znamych_tipov\" >Ako na lacn\u00e9 letenky: 15 osved\u010den\u00fdch a menej zn\u00e1mych tipov<\/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\/sk\/dlhodobe-cestovne-poistenie\/#Ako_najst_lacne_ubytovanie\" >Ako n\u00e1js\u0165 lacn\u00e9 ubytovanie<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Najlepsie_dlhodobe_cestovne_poistenie\"><\/span>Najlep\u0161ie dlhodob\u00e9 cestovn\u00e9 poistenie<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Nechcete \u010d\u00edta\u0165 \u010falej a k\u00fapi\u0165 si rovno to najlep\u0161ie? M\u00e1me pre v\u00e1s dve odpor\u00fa\u010dania:<\/p>\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"True_Traveller\"><\/span>True Traveller<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<p><strong><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"True Traveller\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/true-traveller\/\" data-shortcode=\"true\">True Traveller<\/a> je najflexibilnej\u0161ie a najkomplexnej\u0161ie cestovn\u00e9 poistenie na dlh\u00e9 cesty, ak\u00e9 m\u00f4\u017eete z\u00edska\u0165 &#8211; najm\u00e4 za t\u00fato cenu.<\/strong> Za pribli\u017ene 450 EUR ro\u010dne z\u00edskate poistenie na cesty po celom svete (USA a Kanada s\u00fa za pr\u00edplatok). V\u00fddavkov\u00e9 limity s\u00fa \u0161tedr\u00e9 (a\u017e do v\u00fd\u0161ky 6 mili\u00f3nov eur) a m\u00f4\u017eete si priplati\u0165 za r\u00f4zne cestovn\u00e9 bal\u00edky &#8211; napr\u00edklad za extr\u00e9mne \u0161porty a ly\u017eovanie. Nemanu\u00e1lna pr\u00e1ca je zahrnut\u00e1 v z\u00e1kladnom bal\u00edku a za manu\u00e1lnu pr\u00e1cu si m\u00f4\u017eete priplati\u0165.<\/p>\n\n<p><em>Podobne ako <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">Safety Wing<\/a>, je poistenie mo\u017en\u00e9 zak\u00fapi\u0165, aj ke\u010f ste u\u017e na ceste, a je mo\u017en\u00e9 ho zak\u00fapi\u0165 aj bez spiato\u010dnej letenky.<\/em><\/p>\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=\"\" class=\"wp-image-58806\" title=\"\"><\/a><\/figure>\n<div style=\"gap: 20px;\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-6caea730-31cc-47e8-8dbb-8c0971ed80dd\"><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; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-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\">Prozkoumat True Traveller poji\u0161t\u011bn\u00ed<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Safety_Wing\"><\/span>Safety Wing<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<p><strong><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">Safety Wing<\/a> je poistenie \u0161it\u00e9 na mieru digit\u00e1lnym nom\u00e1dom <\/strong>. M\u00f4\u017eete by\u0165 poisten\u00ed 24 hod\u00edn denne, 7 dn\u00ed v t\u00fd\u017edni a plati\u0165 mesa\u010dne (m\u00f4\u017eete ho kedyko\u013evek zru\u0161i\u0165), stoj\u00ed <strong>45 dol\u00e1rov<\/strong> bez n\u00e1v\u0161tevy USA a m\u00f4\u017eete cestova\u0165 po celom svete.<\/p>\n\n<p>Poistenie si m\u00f4\u017eete k\u00fapi\u0165 aj v zahrani\u010d\u00ed a po 90 d\u0148och v zahrani\u010d\u00ed sa m\u00f4\u017eete vr\u00e1ti\u0165 na Slovensko a\u017e na 30 dn\u00ed a st\u00e1le budete poisten\u00ed. V\u010faka tomu nebudete musie\u0165 po\u010d\u00edta\u0165, kedy sa v\u00e1m oplat\u00ed zru\u0161i\u0165 zdravotn\u00e9 poistenie na Slovensku a kedy nie.<\/p>\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-nabidka.png\" alt=\"\" class=\"wp-image-58807\" title=\"\"><\/a><\/figure>\n<div style=\"gap: 20px;\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-6cb98bfc-1026-456a-b555-c6fe7a4d669e\"><div class=\"ub-button-container\">\n\t\t\t<a href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/safety-wing\/\" 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; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-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\">Prozkoumat Safety Wing poji\u0161t\u011bn\u00ed<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div><\/div>\n<p><em>Pre\u010do neodpor\u00fa\u010dame hne\u010f na \u00favod nejak\u00fa slovensk\u00fa pois\u0165ov\u0148u? Preto\u017ee maj\u00fa dos\u0165 obmedzen\u00ed. Maj\u00fa limity na po\u010det dn\u00ed v zahrani\u010d\u00ed, v pr\u00edpade cestovky a kreditnej karty v\u00e1s po\u017eiadaj\u00fa, aby ste lie\u010debn\u00e9 n\u00e1klady platili len touto kreditnou kartou<\/em> <em>a \u010dasto obmedzuj\u00fa po\u010det n\u00e1vratov na Slovensko.<\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ma_zmysel_poistit_hnutelny_majetok\"><\/span>M\u00e1 zmysel poisti\u0165 hnute\u013en\u00fd majetok?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Hoci \u00farazov\u00e9 poistenie, poistenie evaku\u00e1cie a poistenie proti \u017eiveln\u00fdm pohrom\u00e1m je pri dlhodob\u00fdch cest\u00e1ch \u0161tandardom, mali by ste si dvakr\u00e1t premyslie\u0165, \u010di naozaj potrebujete poisti\u0165 aj nie\u010do in\u00e9.<\/p>\n\n<p><strong>To, \u017ee v\u00e1m pois\u0165ov\u0148a pon\u00faka poistenie techniky, e\u0161te neznamen\u00e1, \u017ee sa to oplat\u00ed.<\/strong> Ako vid\u00edte z ich cenn\u00edkov, poistenie Macbooku alebo iPhonu je pomerne drah\u00e9.<\/p>\n\n<p>Ak cestujete s profesion\u00e1lnym fotoapar\u00e1tom a nieko\u013ek\u00fdmi zariadeniami, m\u00f4\u017ee tak\u00e9to poistenie \u013eahko dosiahnu\u0165 viac ako 600 EUR a pois\u0165ovne zvy\u010dajne kryj\u00fa zariadenia len do v\u00fd\u0161ky 600 a\u017e 800 EUR.<\/p>\n\n<p>Ch\u00e1pem, \u017ee vyhliadka na k\u00fapu nov\u00e9ho notebooku za 2000 EUR v\u00e1s znepokojuje (rovnako ako n\u00e1s, ke\u010f sme takmer nov\u00fd Macbook Pro utopili v na\u0161om stane). Stoj\u00ed v\u00e1m to v\u0161ak za to, aby ste pois\u0165ovni ka\u017ed\u00fd rok &#8222;pre istotu&#8220; vysolili \u010fal\u0161\u00edch 600 EUR?<\/p>\n\n<p><strong>Poistenie kufrov je \u00fapln\u00fd nezmysel, preto\u017ee pois\u0165ovne z toho zvy\u010dajne vylu\u010duj\u00fa elektroniku.<\/strong> Neviem, ako u v\u00e1s, ale u n\u00e1s v\u00e4\u010d\u0161inu hodnoty bato\u017einy tvor\u00ed pr\u00e1ve technika, ktor\u00fa v nej prev\u00e1\u017eame.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Aky_typ_cestovneho_poistenia_si_vybrat\"><\/span>Ak\u00fd typ cestovn\u00e9ho poistenia si vybra\u0165<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>Cestovn\u00e9 poistenie mo\u017eno rozdeli\u0165 do troch kateg\u00f3ri\u00ed, z ktor\u00fdch ka\u017ed\u00e1 pokr\u00fdva nie\u010do \u00faplne in\u00e9.<\/p>\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cestovne_zdravotne_poistenie\"><\/span>Cestovn\u00e9 zdravotn\u00e9 poistenie<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<p><strong>Be\u017en\u00e9 zdravotn\u00e9 poistenie, ktor\u00e9 si plat\u00edte na Slovensku, zvy\u010dajne neplat\u00ed v zahrani\u010d\u00ed.<\/strong><\/p>\n\n<p class=\"has-pale-cyan-blue-background-color has-background\">\ud83d\udca1 V\u00fdnimkou je cestovanie po Eur\u00f3pskej \u00fanii a niektor\u00fdch krajin\u00e1ch EHP, kde v\u00e1m Eur\u00f3psky preukaz zdravotn\u00e9ho poistenia (modr\u00e1 karta od va\u0161ej pois\u0165ovne) poskytne <strong>z\u00e1kladn\u00fa nevyhnutn\u00fa zdravotn\u00fa starostlivos\u0165<\/strong> v pr\u00edpade zdravotn\u00fdch probl\u00e9mov. Vtedy v\u0161ak pre v\u00e1s platia rovnak\u00e9 pravidl\u00e1 ako pre miestnych obyvate\u013eov = ak je zdravotn\u00e1 starostlivos\u0165 drah\u00e1 pre miestnych obyvate\u013eov, je drah\u00e1 aj pre v\u00e1s. <a href=\"https:\/\/www.vzp.cz\/pojistenci\/cestovani-a-pobyt-v-zahranici\/evropsky-prukaz-zdravotniho-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Viac inform\u00e1ci\u00ed n\u00e1jdete tu.<\/a><\/p>\n\n<p><strong>Preto je d\u00f4le\u017eit\u00e9 uzatvori\u0165 spr\u00e1vne poistenie.<\/strong> Preto\u017ee \u010do budete robi\u0165, ke\u010f sa niekde na Novom Z\u00e9lande, v Ugande alebo inde nakaz\u00edte nejakou chorobou alebo sa v\u00e1m stane nehoda, ktor\u00fa treba o\u0161etri\u0165 na mieste?<\/p>\n\n<p>Miestna lie\u010dba bude st\u00e1\u0165 ve\u013ea pe\u0148az\u00ed a bez riadneho poistenia zaplat\u00edte tis\u00edce eur za lie\u010dbu, na ktor\u00fa sme na Slovensku zvyknut\u00ed, \u017ee je v r\u00e1mci povinn\u00e9ho poistenia zadarmo.<\/p>\n\n<p>Mus\u00edte vzia\u0165 do \u00favahy, \u017ee takmer \u017eiadna pois\u0165ov\u0148a v\u00e1m neumo\u017en\u00ed <strong>dlhodob\u00fa<\/strong> lie\u010dbu v zahrani\u010d\u00ed. \u010co najsk\u00f4r v\u00e1s prevez\u00fa na Slovensko, kde budete lie\u010den\u00fd zo slovensk\u00e9ho zdravotn\u00e9ho poistenia. A ke\u010f\u017ee sme soci\u00e1lny \u0161t\u00e1t (v\u0161etci plat\u00edme povinn\u00e9 poistenie), nemus\u00edte sa ob\u00e1va\u0165 n\u00e1kladov na n\u00e1sledn\u00fa lie\u010dbu.<\/p>\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Poistenie_pre_pripad_transferu_do_inej_nemocnice\"><\/span>Poistenie pre pr\u00edpad transferu do inej nemocnice<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<p>Pri uzatv\u00e1ran\u00ed poistnej zmluvy sa \u010dasto stret\u00e1vate s pojmom \u201a\u201aemergency medical transportation\u2019\u2019. Je bu\u010f s\u00fa\u010das\u0165ou poistenia (vo v\u00e4\u010d\u0161ine pois\u0165ovn\u00ed) alebo sa d\u00e1 zak\u00fapi\u0165 samostatne. Na \u010do sl\u00fa\u017ei poistenie transferu?<\/p>\n\n<p>Tak\u00e9to poistenie sa zvy\u010dajne vyu\u017e\u00edva vtedy, ke\u010f <strong>nemocnica, do ktorej sa dostanete s ak\u00fatnym probl\u00e9mom, nie je schopn\u00e1 poskytn\u00fa\u0165 potrebn\u00fa lie\u010dbu<\/strong>. To sa zvy\u010dajne st\u00e1va napr\u00edklad vtedy, ke\u010f nemocnica nevykon\u00e1va typ oper\u00e1cie, ktor\u00fa potrebujete.<\/p>\n\n<p>O\u0161etruj\u00faci lek\u00e1r m\u00f4\u017ee po\u017eadova\u0165 transfer do inej, lep\u0161ie vybavenej nemocnice. A pr\u00e1ve t\u00e1to dodato\u010dn\u00e1 <strong>preprava je kryt\u00e1 \u0161peci\u00e1lnym bal\u00edkom poistenia<\/strong>. D\u00f4razne odpor\u00fa\u010dame, aby ste si poistenie trasnferu uzatvorili priamo ako s\u00fa\u010das\u0165 poistenia, a nie ako samostatn\u00fa slu\u017ebu. V pr\u00edpade samostatnej slu\u017eby je poisten\u00fd len samotn\u00fd prevoz, ale nie n\u00e1sledn\u00e1 lie\u010dba!<\/p>\n\n<p><strong>Na ak\u00fd typ cesty sa najlep\u0161ie hod\u00ed poistenie transferu?<\/strong> Najm\u00e4 ak sa chyst\u00e1te na dlh\u00e9 t\u00fary v pr\u00edrode alebo sa pohybujete v menej rozvinut\u00fdch krajin\u00e1ch so slabou zdravotn\u00edckou infra\u0161trukt\u00farou. Vo v\u00e4\u010d\u0161\u00edch mest\u00e1ch a vyspel\u00fdch krajin\u00e1ch zvy\u010dajne nepotrebujete transfery. Poistenie transferu je mo\u017en\u00e9 vybavi\u0165 aj na jednotliv\u00e9 cesty.<\/p>\n\n<p>Poistn\u00e9 limity sa pohybuj\u00fa od 20 000 EUR do stoviek tis\u00edcov (vr\u00e1tane neobmedzen\u00fdch limitov). Na prv\u00fd poh\u013ead sa to nezd\u00e1, ale evaku\u00e1cia vrtu\u013en\u00edkom s p\u00e1tracou akciou z nepr\u00edstupn\u00fdch h\u00f4r m\u00f4\u017ee st\u00e1\u0165 astronomick\u00fa sumu, preto odpor\u00fa\u010dame dohodn\u00fa\u0165 si minim\u00e1lny limit 120 000 EUR.<\/p>\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cestovne_poistenie_%E2%80%9Ena_veci%E2%80%9C\"><\/span>Cestovn\u00e9 poistenie &#8222;na veci&#8220;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<p>Samostatnou kateg\u00f3riou je poistenie zodpovednosti za \u0161kodu sp\u00f4soben\u00fa tretej osobe, poistenie straty a kr\u00e1de\u017ee alebo poistenie me\u0161kania letu. Tieto poistenia s\u00fa \u010dasto s\u00fa\u010das\u0165ou poistn\u00fdch zml\u00fav kreditn\u00fdch kariet, ale mus\u00edte si pozorne pre\u010d\u00edta\u0165 podmienky.<\/p>\n\n<p><strong>Tento typ poistenia je \u010dasto najdrah\u0161ou polo\u017ekou, najm\u00e4 ak chcete poisti\u0165 fotografick\u00e9 vybavenie a elektroniku, s ktorou cestujete.<\/strong> Mnoh\u00e9 poistn\u00e9 zmluvy o cestovnom zdravotnom poisten\u00ed v\u0161ak u\u017e tento typ poistenia v obmedzenom rozsahu zah\u0155\u0148aj\u00fa alebo ho pon\u00fakaj\u00fa za pr\u00edplatok.<\/p>\n\n<p>Ak nem\u00e1te v\u00fdhodn\u00e9 zdravotn\u00e9 poistenie alebo ak nem\u00e1te bonusov\u00e9 poistenie prostredn\u00edctvom kreditnej karty, \u010dasto <strong>sa tento typ poistenia v\u00f4bec neoplat\u00ed uzatv\u00e1ra\u0165.<\/strong> Pre\u010do?<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0160anca, \u017ee sa to skuto\u010dne stane, je ve\u013emi mal\u00e1<\/li>\n\n\n\n<li>Ak sa v\u00e1m nie\u010do stane (napr\u00edklad v\u00e1m ukradn\u00fa prenajat\u00e9 auto), pois\u0165ov\u0148a pravdepodobne n\u00e1jde v zmluve v\u00fdnimku, aby nemusela plati\u0165<\/li>\n\n\n\n<li>Ak sa v\u00e1m nie\u010do stane, v\u00fdmena odcudzen\u00e9ho zariadenia alebo k\u00fapa novej letenky z vlastn\u00e9ho vrecka m\u00f4\u017ee by\u0165 lacnej\u0161ia ako cel\u00e9 poistenie.<\/li>\n\n\n\n<li>V mnoh\u00fdch pr\u00edpadoch m\u00f4\u017eete ma\u0165 n\u00e1rok na n\u00e1hradu \u0161kody od tretej strany aj bez poistenia (napr\u00edklad v pr\u00edpade me\u0161kania letu).<\/li>\n<\/ul>\n\n<p>Vezmite si ako pr\u00edklad ob\u013e\u00faben\u00fd produkt <strong>poistenia zme\u0161kan\u00e9ho prestupu na letisku<\/strong>. V\u00e4\u010d\u0161ina pois\u0165ovn\u00ed m\u00e1 ako \u0161tandardn\u00fa podmienku, \u017ee mus\u00edte ma\u0165 medzi letmi dve a\u017e \u0161tyri hodiny na prestup, inak sa va\u0161\u00edm pr\u00edpadom v\u00f4bec nebud\u00fa zaobera\u0165.<\/p>\n\n<p>Okrem toho potrebujete poistenie me\u0161kania len vtedy, ak cestujete na dve samostatn\u00e9 letenky. Ak m\u00e1te prestupn\u00fd let na jednu letenku (jednej leteckej spolo\u010dnosti), lietadlo bu\u010f po\u010dk\u00e1 alebo dostanete n\u00e1hradn\u00fa letenku\/kompenz\u00e1ciu. A ko\u013eko tak\u00fdchto nadv\u00e4zuj\u00facich letov skuto\u010dne me\u0161k\u00e1? Je to 0,1 % a\u017e 1,5 %. A ko\u013ekokr\u00e1t za rok lietate? \ud83d\ude42 Poistenie zme\u0161kan\u00e9ho letu sa jednoducho neoplat\u00ed.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Poznamky_k_vyberu_vhodneho_poistenia\"><\/span>Pozn\u00e1mky k v\u00fdberu vhodn\u00e9ho poistenia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p><strong>Pri v\u00fdbere dlhodob\u00e9ho poistenia by ste sa mali zamera\u0165 najm\u00e4 na \u0161pecializovan\u00e9 pois\u0165ovne, ktor\u00e9<\/strong> s\u00fa zv\u00e4\u010d\u0161a zahrani\u010dn\u00e9. Pre\u010do? Na\u0161e tradi\u010dn\u00e9 pois\u0165ovne maj\u00fa zna\u010dn\u00e9 obmedzenia pre &#8222;dlhodob\u00e9&#8220; poistenie:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Zav\u00e1dzaj\u00fa obmedzenia na vysestovan\u00e9 dni.<\/strong> \u010cak\u00e1 v\u00e1s 30, 60 alebo 90-d\u0148ov\u00e1 lehota, po ktorej sa mus\u00edte vr\u00e1ti\u0165 na Slovensko, aj ke\u010f len na oto\u010dku na letisku.<\/li>\n\n\n\n<li>Ak je poistenie spojen\u00e9 s kreditnou kartou, <strong>vy\u017eaduj\u00fa od v\u00e1s, aby ste zaplatili 50 % a\u017e 100 % n\u00e1kladov na cestu prostredn\u00edctvom tejto kreditnej karty<\/strong>.<\/li>\n\n\n\n<li>Ak u\u017e m\u00e1te ro\u010dn\u00e9 poistenie, \u010dasto <strong>m\u00e1te obmedzen\u00fd po\u010det n\u00e1vratov na Slovensko<\/strong>. \u010casto potom plat\u00ed, \u017ee u\u017e pri druhom n\u00e1vrate v danom roku bude va\u0161a poistka \u010dasto zru\u0161en\u00e1 bez n\u00e1hrady.<\/li>\n<\/ul>\n\n<p><strong>D\u00e1vajte si tie\u017e pozor na spolu\u00fa\u010das\u0165.<\/strong> Spolu\u00fa\u010das\u0165 sa plat\u00ed bu\u010f pri ka\u017edom uplatnen\u00ed n\u00e1roku na poistn\u00e9 plnenie alebo len raz za cel\u00e9 obdobie poistenia. Druh\u00e1 mo\u017enos\u0165 je zjavne v\u00fdhodnej\u0161ia, preto\u017ee ak si v jednom obdob\u00ed uplatn\u00edte n\u00e1rok na poistn\u00e9 plnenie viackr\u00e1t, spolu\u00fa\u010das\u0165 zaplat\u00edte len raz.<\/p>\n\n<p>Pri obnoven\u00ed poistnej zmluvy sa zvy\u010dajne st\u00e1va, \u017ee ak ste v predch\u00e1dzaj\u00facom obdob\u00ed uplatnili n\u00e1rok na poistn\u00e9 plnenie (napr\u00edklad za ambulantn\u00e9 o\u0161etrenie zubov), v novom roku sa na v\u00e1s poistenie nevz\u0165ahuje (alebo sa vz\u0165ahuje za pr\u00edplatok).<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Prehlad_najlepsieho_dlhodobeho_cestovneho_poistenia\"><\/span>Preh\u013ead najlep\u0161ieho dlhodob\u00e9ho cestovn\u00e9ho poistenia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p><strong>Nasleduje preh\u013ead pois\u0165ovn\u00ed, ktor\u00e9 sa \u0161pecializuj\u00fa na dlhodob\u00e9 cestovanie a digit\u00e1lnych nom\u00e1dov. <\/strong>Predpoklad\u00e1 sa, \u017ee si plat\u00edte zdravotn\u00e9 poistenie na Slovensku (alebo inde, ak nem\u00e1te bydlisko na Slovensku).<\/p>\n\n<p>V\u0161etky tieto spom\u00ednan\u00e9 pois\u0165ovne umo\u017e\u0148uj\u00fa uzavrie\u0165 poistenie aj po\u010das cesty a neobmedzuj\u00fa \u010das, po\u010das ktor\u00e9ho ste v zahrani\u010d\u00ed. To znamen\u00e1, \u017ee sa po\u010das poistnej doby nemus\u00edte opakovane vraca\u0165 domov.<\/p>\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<p><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">SafetyWing<\/a> je <strong>n\u00e1\u0161 tip \u010d\u00edslo jeden<\/strong>. <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">SafetyWing<\/a> je startup, ktor\u00fd priniesol model predplatn\u00e9ho (ako Netflix alebo Spotify) do sveta poistenia.<\/p>\n\n<p>Nebojte sa slova start-up. Hoci za touto my\u0161lienkou stoja digit\u00e1lni nom\u00e1di ako my, ich partnerom je jedna z najlep\u0161\u00edch pois\u0165ovn\u00ed na svete &#8211; Tokio Marine.<\/p>\n\n<p><strong><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">SafetyWing<\/a> je glob\u00e1lna a geograficky nez\u00e1visl\u00e1 bezpe\u010dnostn\u00e1 sie\u0165 pre v\u0161etk\u00fdch freelancerov a digit\u00e1lnych nom\u00e1dov. <\/strong>Preto ich poistenie u\u017e teraz pon\u00faka cel\u00fd rad funkci\u00ed, ktor\u00e9 in\u00fdm spolo\u010dnostiam ch\u00fdbaj\u00fa.<\/p>\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=\"\" class=\"wp-image-58808\" title=\"\"><\/a><\/figure>\n\n<p><strong>\u010co je na <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">SafetyWing<\/a> naozaj dobr\u00e9?<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Mesa\u010dn\u00e9 predplatn\u00e9<\/strong>. Za poistenie plat\u00edte mesa\u010dne a rovnako ako v pr\u00edpade slu\u017eby Netflix sa nezav\u00e4zujete k d\u013a\u017eke poistenia. Nasleduj\u00facu mesa\u010dn\u00fa platbu m\u00f4\u017eete kedyko\u013evek zru\u0161i\u0165.<\/li>\n\n\n\n<li><strong>Priazniv\u00e1 cena.<\/strong> V skuto\u010dnosti je jedna z najni\u017e\u0161\u00edch, ak sa op\u00fdtate in\u00fdch pois\u0165ovn\u00ed na rovnak\u00fa poistku.<\/li>\n\n\n\n<li><strong>Ro\u010dn\u00fd limit na spolu\u00fa\u010das\u0165.<\/strong> Bez oh\u013eadu na to, ko\u013ekokr\u00e1t za rok poistku vyu\u017eijete, zaplat\u00edte spolu maxim\u00e1lne 250 USD na spolu\u00fa\u010dasti.<\/li>\n\n\n\n<li><strong>Nulov\u00e1 spolu\u00fa\u010das\u0165 pri r\u00f4znych poistn\u00fdch udalostiach<\/strong>, ako je ak\u00fatne zubn\u00e9 o\u0161etrenie, prevoz do inej nemocnice, preru\u0161enie cesty, strata bato\u017einy, me\u0161kanie na ceste, \u0161koda sp\u00f4soben\u00e1 in\u00fdm osob\u00e1m at\u010f.<\/li>\n\n\n\n<li><strong>Kryje lie\u010dbu v s\u00fakromn\u00fdch zariadeniach<\/strong>. Nemus\u00edte vyh\u013ead\u00e1va\u0165 verejn\u00e9 nemocnice a lek\u00e1rov. Najm\u00e4 v rozvojov\u00fdch krajin\u00e1ch s\u00fa s\u00fakromn\u00ed lek\u00e1ri ove\u013ea kvalitnej\u0161\u00ed.<\/li>\n\n\n\n<li><strong>Platia priamo nemocniciam<\/strong>. Ak v\u00fdslovne nepo\u017eiadate o presun do in\u00e9ho zariadenia, spolo\u010dnos\u0165 <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">SafetyWing<\/a> bude plati\u0165 va\u0161e \u00fa\u010dty priamo. To znamen\u00e1, \u017ee fakt\u00fary nebudete musie\u0165 plati\u0165 sami (a n\u00e1sledne ich prepl\u00e1ca\u0165).<\/li>\n\n\n\n<li><strong>Poistenie na Slovensku<\/strong>. Aj ke\u010f si neplat\u00edte poistenie na Slovensku (napr\u00edklad ak odch\u00e1dzate na rok pracova\u0165 do Kanady), <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">SafetyWing<\/a> v\u00e1s kryje aj doma. A\u017e 30 dn\u00ed za 90 dn\u00ed poistenia. To znamen\u00e1 celkovo 120 dn\u00ed poistenia ro\u010dne.<\/li>\n\n\n\n<li><strong>Rovnak\u00e1 cena na mesiac aj na rok.<\/strong> \u010c\u00edm krat\u0161ie je poistenie, t\u00fdm viac zaplat\u00edte pois\u0165ovniam za de\u0148. V <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">SafetyWing<\/a> plat\u00edte st\u00e1le rovnako. Je to u\u017eito\u010dn\u00e9, ak cestujete na kr\u00e1tky \u010das.<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Na_co_si_dat_pozor_pri_Safety_Wing\"><\/span><strong>Na \u010do si da\u0165 pozor pri Safety Wing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<p>Cestovn\u00e9 poistenie do USA je drah\u0161ie, preto <strong>v\u00e1m odpor\u00fa\u010dame uzatvori\u0165 si poistenie do USA len na \u010das, ke\u010f sa tam skuto\u010dne zdr\u017e\u00edte.<\/strong> Po odchode sa vr\u00e1\u0165te k lacnej\u0161ej mo\u017enosti.<\/p>\n\n<p>Po 364 d\u0148och poistenia sa zmluva deaktivuje. Pokia\u013e pred\u013a\u017eenie nepotvrd\u00edte v e-maile. D\u00e1vajte si na to pozor.<\/p>\n\n<p><strong>Poistenie pre 30-ro\u010dn\u00e9ho digit\u00e1lneho nom\u00e1da, ktor\u00fd je u\u017e na cest\u00e1ch:<\/strong><\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u00a0<\/td><td><strong>Svet (okrem USA)<\/strong><\/td><td><strong>Svet (s USA)<\/strong><\/td><\/tr><tr><td>1 t\u00fd\u017ede\u0148<\/td><td>11 USD<\/td><td>21 USD<\/td><\/tr><tr><td>4 t\u00fd\u017edne<\/td><td>45 USD<\/td><td>83 USD<\/td><\/tr><tr><td>52 t\u00fd\u017ed\u0148ov<\/td><td>540 USD<\/td><td>996 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p><em>Poistenie dlh\u0161ie ako 28 dn\u00ed sa plat\u00ed ka\u017ed\u00e9 4 t\u00fd\u017edne. <strong>V\u010faka tomu nemus\u00edte naraz vynalo\u017ei\u0165 ve\u013ek\u00fa sumu pe\u0148az\u00ed<\/strong> ako v pr\u00edpade v\u0161etk\u00fdch ostatn\u00fdch pois\u0165ovn\u00ed. <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\">\u00dapln\u00e9 znenie poistnej zmluvy.<\/a><\/em><\/p>\n\n<p><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">SafetyWing<\/a> pon\u00faka aj \u0161peci\u00e1lne tarify pre za\u010d\u00ednaj\u00face a online podniky, ktor\u00e9 maj\u00fa zamestnancov po celom svete. S jedn\u00fdm predplatn\u00fdm m\u00f4\u017eete poskytova\u0165 lek\u00e1rsku starostlivos\u0165 svojmu t\u00edmu kdeko\u013evek na svete. Produkt sa naz\u00fdva <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<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Poistna_kalkulacka_SafetyWing\"><\/span>Poistn\u00e1 kalkula\u010dka SafetyWing<span class=\"ez-toc-section-end\"><\/span><\/h3>\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<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"True_Traveller-2\"><\/span>True Traveller<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p><a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"True Traveller\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/true-traveller\/\" data-shortcode=\"true\">True Traveller<\/a> je britsk\u00e1 pois\u0165ov\u0148a, ktor\u00fa si ob\u013e\u00fabili najm\u00e4 \u013eudia \u017eij\u00faci v Eur\u00f3pskom hospod\u00e1rskom priestore, preto\u017ee nikto in\u00fd u nich poistenie nez\u00edska.<\/p>\n\n<p>Lacnej\u0161ie mo\u017enosti poistenia od spolo\u010dnosti <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"True Traveller\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/true-traveller\/\" data-shortcode=\"true\">True Traveller<\/a> s\u00fa pomerne v\u00fdhodn\u00e9, aspo\u0148 ak si poistenie predplat\u00edte aspo\u0148 na jeden rok. Na rozdiel od SafetyWingu pon\u00fakaj\u00fa cel\u00fd rad doplnkov\u00fdch poisten\u00ed (ktor\u00e9 <a class=\"thirstylink\" rel=\"nofollow\" target=\"_blank\" title=\"Safety Wing\" href=\"https:\/\/loudavymkrokem.cz\/sk\/doporucujeme\/safety-wing\/\" data-shortcode=\"true\">SafetyWing<\/a> zah\u0155\u0148a v cene), ktor\u00e9 s\u00fa pomerne drah\u00e9.<\/p>\n\n<p>Pois\u0165ov\u0148a pon\u00faka 3 druhy poistenia: True Value, Traveller a Traveller Plus. L\u00ed\u0161ia sa kryt\u00edm, limitmi a cenou (a\u017e dvojn\u00e1sobn\u00fd rozdiel v cene medzi tarifami).<\/p>\n\n<p><strong>\u010co je na <a href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/true-traveller\/\" target=\"_blank\" rel=\"noreferrer noopener\">True Traveller<\/a> skuto\u010dne dobr\u00e9?<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Poist\u00ed v\u00e1s a\u017e do v\u00fd\u0161ky 12 mili\u00f3nov eur<\/strong>, \u010do sa ned\u00e1 poveda\u0165 o mnoh\u00fdch konkurentoch.<\/li>\n\n\n\n<li><strong>Poistenie je mo\u017en\u00e9 uzatvori\u0165 na obdobie a\u017e 18 mesiacov<\/strong>. Okrem toho ho m\u00f4\u017eete pred\u013a\u017ei\u0165. Nev\u00fdhodou je, \u017ee poistn\u00e9 plat\u00edte naraz.<\/li>\n\n\n\n<li>V z\u00e1klade pokr\u00fdvaj\u00fa <strong>viac ako 90 \u0161portov\u00fdch aktiv\u00edt<\/strong>.<\/li>\n\n\n\n<li><strong>Domov sa m\u00f4\u017eete vracia\u0165 opakovane<\/strong>. Na Slovensku v\u00e1s ale pois\u0165ov\u0148a kry\u0165 nebude.<\/li>\n\n\n\n<li><strong>Lie\u010debn\u00e9 n\u00e1klady nad 500 GPB sa hradia priamo<\/strong>. Ni\u017e\u0161ie sumy mus\u00edte zaplati\u0165 z vlastn\u00e9ho vrecka a potom si necha\u0165 preplati\u0165 \u00fa\u010dty.<\/li>\n\n\n\n<li><strong>Cestovn\u00e9 poistenie do USA a Kanady je lacn\u00e9.<\/strong> Pri ro\u010dnej zmluve stoj\u00ed poistenie 90 USD.<\/li>\n\n\n\n<li>97 % recenzi\u00ed na <a href=\"http:\/\/trustpilot.com\/\" target=\"_blank\" rel=\"noopener\"><strong>Trustpilot<\/strong><\/a> <strong>hodnot\u00ed pois\u0165ov\u0148u ako vynikaj\u00facu slu\u017ebu<\/strong>.<\/li>\n<\/ul>\n\n<p><strong>Na \u010do si treba da\u0165 pozor:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Doplnky stoja ve\u013ea pe\u0148az\u00ed.<\/strong> Pred\u013a\u017eenie ro\u010dn\u00e9ho poistenia (za 500 USD) o jeden t\u00fd\u017ede\u0148 stoj\u00ed neuverite\u013en\u00fdch 50 USD.<\/li>\n\n\n\n<li>Ak je v bl\u00edzkosti zmluvn\u00e1 \u0161t\u00e1tna nemocnica alebo lek\u00e1r, <strong>neuhradia o\u0161etrenie v s\u00fakromnom zariaden\u00ed<\/strong>.<\/li>\n\n\n\n<li><strong>Vysok\u00e1 spolu\u00fa\u010das\u0165.<\/strong> Pri objedn\u00e1vke za\u0161krtnite, \u017ee si ne\u017eel\u00e1te \u017eiadnu spolu\u00fa\u010das\u0165. Bude v\u00e1s to st\u00e1\u0165 pribli\u017ene 50 USD ro\u010dne a oplat\u00ed sa to u\u017e pri jednej poistnej udalosti. Spolu\u00fa\u010das\u0165 sa pohybuje od 42 do 150 USD za ka\u017ed\u00fa udalos\u0165.<\/li>\n\n\n\n<li><strong>Pr\u00e1ca v zahrani\u010d\u00ed nie je v z\u00e1klade poisten\u00e1.<\/strong> Mus\u00edte si zak\u00fapi\u0165 bal\u00ed\u010dek Adventure Pack, ktor\u00fd zah\u0155\u0148a manu\u00e1lnu pr\u00e1cu a dobrovo\u013en\u00edctvo.<\/li>\n<\/ul>\n\n<p><strong>Z\u00e1kladn\u00e9 poistenie pre 27-ro\u010dn\u00e9ho digit\u00e1lneho nom\u00e1da, ktor\u00fd je u\u017e na cest\u00e1ch:<\/strong><\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u00a0<\/td><td><strong>Svet (okrem USA a Kanady)<\/strong><\/td><td><strong>Svet (s USA a Kanadou)<\/strong><\/td><\/tr><tr><td>1 t\u00fd\u017ede\u0148<\/td><td>57 USD<\/td><td>65 USD<\/td><\/tr><tr><td>4 t\u00fd\u017edne<\/td><td>116 USD<\/td><td>129 USD<\/td><\/tr><tr><td>52 t\u00fd\u017ed\u0148ov<\/td><td> 473 USD<\/td><td>563 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p><em>Upozor\u0148ujeme, \u017ee uveden\u00e1 suma sa vz\u0165ahuje na z\u00e1kladn\u00e9 poistenie bez bal\u00edkov. S bal\u00ed\u010dkami sa m\u00f4\u017eete dosta\u0165 a\u017e na 1800 dol\u00e1rov za ro\u010dn\u00fa zmluvu. V tabu\u013eke je uveden\u00e1 cena stredn\u00e9ho bal\u00edka &#8222;Traveller&#8220; so spolu\u00fa\u010das\u0165ou 90 USD za ka\u017ed\u00fd pr\u00edpad. <a href=\"https:\/\/www.truetraveller.com\/True%20Traveller%20Insurance%20Policy%202018.pdf\" target=\"_blank\" rel=\"noopener\">\u00dapln\u00e9 znenie poistnej zmluvy.<\/a><\/em><\/p>\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<p>Pre konzervat\u00edvnej\u0161\u00edch cestovate\u013eov st\u00e1le existuj\u00fa na trhu <a href=\"https:\/\/loudavymkrokem.cz\/doporucujeme\/world-nomads\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>World Nomads<\/strong><\/a>, pois\u0165ov\u0148a s dlhou hist\u00f3riou. Ich hlavn\u00fdm l\u00e1kadlom je mo\u017enos\u0165 zak\u00fapi\u0165 si poistenie, aj ke\u010f ste u\u017e na cest\u00e1ch. Ak\u00e9 inovat\u00edvne! Dnes to umo\u017e\u0148uj\u00fa takmer v\u0161etci konkurenti a ur\u010dite si m\u00f4\u017eete vybra\u0165 lep\u0161ie.<\/p>\n\n<p>T\u00e1to pois\u0165ov\u0148a je ve\u013emi drah\u00e1 a m\u00e1 r\u00f4zne podmienky (a ceny) pre ka\u017ed\u00fa krajinu, ale st\u00e1le si udr\u017eiava klientelu, najm\u00e4 v\u010faka svojmu menu a vynikaj\u00facemu krytiu extr\u00e9mnych \u0161portov v najdrah\u0161om bal\u00edku. Preto je to poistenie pre \u0161ialencov a extr\u00e9mnych \u0161portovcov, ktor\u00ed potrebuj\u00fa slu\u017eby bez kompromisov.<\/p>\n\n<p><strong>V\u00fdhody World Nomads<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Vedia plati\u0165 priamo nemocniciam<\/strong>, ale nie v\u017edy sa im to podar\u00ed vybavi\u0165 v\u010das. Potom mus\u00edte n\u00e1klady uhradi\u0165 sami a \u010daka\u0165 3-6 t\u00fd\u017ed\u0148ov, k\u00fdm v\u00e1m ich pois\u0165ov\u0148a preplat\u00ed.<\/li>\n\n\n\n<li><strong>Vynikaj\u00face poistenie extr\u00e9mnych \u0161portov<\/strong> v najdrah\u0161om bal\u00edku.<\/li>\n<\/ul>\n\n<p><strong>Na \u010do si treba da\u0165 pozor:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>World Nomads spolupracuje s viacer\u00fdmi pois\u0165ov\u0148ami, a preto m\u00e1 ka\u017ed\u00fd poistenec in\u00e9 podmienky (v z\u00e1vislosti od svojej domovskej krajiny). <strong>Ceny, podmienky, limity a v\u00fdhody sa l\u00ed\u0161ia<\/strong>.<\/li>\n\n\n\n<li><strong>Obnovenie poistnej zmluvy stoj\u00ed ve\u013ea pe\u0148az\u00ed<\/strong>. T\u00fd\u017ede\u0148 nad r\u00e1mec dohodnut\u00e9ho \u010dasu stoj\u00ed pribli\u017ene 80 USD.<\/li>\n\n\n\n<li>Po\u010das cesty do zahrani\u010dia <strong>sa m\u00f4\u017eete vr\u00e1ti\u0165 domov len raz<\/strong>. Nom\u00e1di, ktor\u00ed sa \u010dasto vracaj\u00fa, si musia kupova\u0165 krat\u0161ie z\u00e1jazdy za viac pe\u0148az\u00ed.<\/li>\n<\/ul>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u00a0<\/td><td><strong>Svet (okrem USA)<\/strong><\/td><td><strong>Svet (s USA)<\/strong><\/td><\/tr><tr><td>1 t\u00fd\u017ede\u0148<\/td><td>56 USD<\/td><td>72 USD<\/td><\/tr><tr><td>4 t\u00fd\u017edne<\/td><td>118 USD<\/td><td>156 USD<\/td><\/tr><tr><td>52 t\u00fd\u017ed\u0148ov<\/td><td>987 USD<\/td><td>1269 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Odpovede_na_casto_kladene_otazky_FAQ\"><\/span>Odpovede na \u010dasto kladen\u00e9 ot\u00e1zky (FAQ)<span class=\"ez-toc-section-end\"><\/span><\/h2>\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=\"Poskytuju_letecke_spolocnosti_nahradu_za_stratenu_alebo_oneskorenu_batozinu\"><\/span><strong>Poskytuj\u00fa leteck\u00e9 spolo\u010dnosti n\u00e1hradu za straten\u00fa alebo oneskoren\u00fa bato\u017einu?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u00c1no. Ka\u017ed\u00e1 leteck\u00e1 spolo\u010dnos\u0165 m\u00e1 trochu in\u00e9 pravidl\u00e1, ale v z\u00e1sade plat\u00ed, \u017ee v pr\u00edpade me\u0161kania bato\u017einy v\u00e1m preplatia n\u00e1klady, ktor\u00e9 sme museli vynalo\u017ei\u0165, preto\u017ee ste nemali svoje veci<a href=\"https:\/\/www.nazuby.cz\/cestovni-zubni-kartacek\" target=\"_blank\" rel=\"noreferrer noopener\">(zubn\u00fa kefku<\/a>, \u010dist\u00e9 tri\u010dko,&#8230;). Po\u0161koden\u00fa alebo dokonca straten\u00fa bato\u017einu s\u00fa schopn\u00ed uhradi\u0165 tie\u017e. Viac inform\u00e1ci\u00ed o mo\u017enostiach reklam\u00e1cie n\u00e1jdete <a href=\"https:\/\/www.penize.cz\/spotrebitel\/337605-ztraceny-zpozdeny-nebo-zniceny-kufr-odskodne-muze-byt-vysoke\" target=\"_blank\" rel=\"noopener\">tu<\/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=\"Preco_musim_pri_uzatvarani_poistenia_vyplnit_svoju_domovsku_krajinu_Som_digitalny_nomad_a_nikde_nebyvam\"><\/span><strong>Pre\u010do mus\u00edm pri uzatv\u00e1ran\u00ed poistenia vyplni\u0165 svoju domovsk\u00fa krajinu? Som digit\u00e1lny nom\u00e1d a nikde neb\u00fdvam.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Pois\u0165ovne toti\u017e potrebuj\u00fa vedie\u0165, kam v\u00e1s presun\u00fa, ak sa v\u00e1\u017ene zran\u00edte alebo budete potrebova\u0165 dlhodob\u00fa starostlivos\u0165. Pre v\u00e1s to bude pravdepodobne v\u017edy Slovensko. M\u00e1te tu rodinu, zdravotn\u00e9 poistenie a na vstup nepotrebujete v\u00edza. Z\u00e1merne nep\u00ed\u0161em, \u017ee mus\u00edte ma\u0165 v danej krajine trval\u00fd pobyt, preto\u017ee niektor\u00e9 pois\u0165ovne to v\u00fdslovne nevy\u017eaduj\u00fa.<\/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=\"Kedy_si_mam_kupit_poistenie_Mam_pockat_do_dna_odchodu_alebo_dokonca_az_do_samotnej_cesty\"><\/span><strong>Kedy si m\u00e1m k\u00fapi\u0165 poistenie? M\u00e1m po\u010dka\u0165 do d\u0148a odchodu alebo dokonca a\u017e do samotnej cesty?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u010c\u00edm sk\u00f4r sa poist\u00edte, t\u00fdm lep\u0161ie. Na letisko\/hranicu by ste mali \u00eds\u0165 s platn\u00fdm poisten\u00edm. Podmienky sa l\u00ed\u0161ia v z\u00e1vislosti od pois\u0165ovne, ale \u010dasto je poistenie platn\u00e9 najsk\u00f4r 4 hodiny od zak\u00fapenia. Ak sa poist\u00edte na letisku, existuje riziko, \u017ee v\u00e1m pois\u0165ov\u0148a neuhrad\u00ed n\u00e1klady na me\u0161kanie letu.<\/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=\"Ako_si_mozem_vybrat_spravne_cestovne_poistenie_vhodne_pre_ziadost_o_vizum\"><\/span><strong>Ako si m\u00f4\u017eem vybra\u0165 spr\u00e1vne cestovn\u00e9 poistenie vhodn\u00e9 pre \u017eiados\u0165 o v\u00edzum?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Niektor\u00e9 krajiny vy\u017eaduj\u00fa doklad o zaplatenom cestovnom poisten\u00ed, ak tam chcete \u00eds\u0165. Napr\u00edklad Kanada, USA alebo cel\u00e1 Eur\u00f3pa (pre neeur\u00f3panov). Samozrejme, v\u017edy si overte po\u017eiadavky danej krajiny, ale tu uveden\u00e9 pois\u0165ovne by mali by\u0165 dostato\u010dn\u00e9 pre cel\u00fd svet.<\/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=\"Da_sa_niekde_porovnat_dlhodobe_cestovne_poistenie\"><\/span>D\u00e1 sa niekde porovna\u0165 dlhodob\u00e9 cestovn\u00e9 poistenie?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u00c1no, aspo\u0148 tie slovensk\u00e9. Sk\u00faste porovna\u0165 <a href=\"https:\/\/www.srovnejto.cz\/dlouhodobe-cestovni-pojisteni\/\" target=\"_blank\" rel=\"noopener\">dlhodob\u00e9 cestovn\u00e9 poistenie <\/a>alebo toto <a href=\"https:\/\/www.yespojisteni.cz\/cestovni-pojisteni\/\" target=\"_blank\" rel=\"noopener\">porovnanie cestovn\u00e9ho poistenia<\/a>.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tipy_ktore_vam_ulahcia_zivot_pri_cestovani\"><\/span>Tipy, ktor\u00e9 v\u00e1m u\u013eah\u010dia \u017eivot pri cestovan\u00ed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><strong>Pravidelne skenujte v\u0161etky dokumenty, ktor\u00e9<\/strong> z\u00edskate na cest\u00e1ch. Najm\u00e4 zdravotn\u00e9 doklady, oble\u010denie, elektroniku, drah\u0161ie predmety a cestovn\u00e9 vybavenie. Uschovajte si \u00fa\u010dtenky za v\u0161etko, \u010do ste si po\u010das cesty k\u00fapili a vlo\u017eili do kufra, a po odlo\u017een\u00ed kufra v\u0161etky \u00fa\u010dtenky naskenujte. \u00da\u010dtenky uchov\u00e1vajte na online \u00falo\u017eisku.<\/li>\n\n\n\n<li><strong>V\u0161etky cestovn\u00e9 doklady uchov\u00e1vajte v elektronickej podobe<\/strong>. Hlavne pas, ob\u010diansky preukaz, vodi\u010dsk\u00fd preukaz, v\u00edza, vstupn\u00e9 pe\u010diatky v pase at\u010f.<\/li>\n\n\n\n<li><strong>Cestujte s <a href=\"https:\/\/powerofdoing.blog\/jak-usetrit-penize-platebnimi-kartami\/\" target=\"_blank\" rel=\"noopener\">platobn\u00fdmi kartami<\/a>, ktor\u00e9 s\u00fa vhodn\u00e9 na cestovanie<\/strong>. Jednu be\u017en\u00fa platobn\u00fa kartu nechajte rodine a len si zap\u00ed\u0161te jej \u010d\u00edsla. M\u00f4\u017eu sa v\u00e1m hodi\u0165 pri online platb\u00e1ch, ak v\u00e1m ukradn\u00fa pe\u0148a\u017eenku.<\/li>\n\n\n\n<li><strong>Fyzick\u00fa k\u00f3piu poistnej zmluvy a cestovn\u00e9ho pasu majte v\u017edy pri sebe<\/strong>. Ak sa v\u00e1m stane nehoda, n\u00e1lezcovia v\u00e1s musia by\u0165 schopn\u00ed identifikova\u0165 aj bez va\u0161ej pomoci (napr\u00edklad ak ste v bezvedom\u00ed).<\/li>\n\n\n\n<li><strong>Skontrolujte, ak\u00e9 svetov\u00e9 katastrofy pokr\u00fdva va\u0161e poistenie. <\/strong>Napr\u00edklad v pr\u00edpade koronav\u00edrusu ste mali iba 10 dn\u00ed na opustenie kraj\u00edn, pre ktor\u00e9 americk\u00e1 CDC vyhl\u00e1sila Warning Level 3. Po\u010das jedn\u00e9ho t\u00fd\u017ed\u0148a to bola v podstate cel\u00e1 Eur\u00f3pa. Ak ste sa zdr\u017eiavali v postihnut\u00fdch krajin\u00e1ch, \u017eiadne d\u00e1vky s\u00favisiace s koronav\u00edrusom (hospitaliz\u00e1cia, zru\u0161en\u00e9 lety at\u010f.) v\u00e1m neboli preplaten\u00e9.<\/li>\n<\/ul>\n\n<p><em>Ak v\u00e1s zauj\u00edma ponuka napr\u00edklad \u010desk\u00fdch pois\u0165ovn\u00ed, pozrite si <a href=\"https:\/\/www.penize.cz\/cestovni-pojisteni\/334519-srovnani-na-kolik-prijde-celorocni-cestovni-pojisteni-vyplati-se\" target=\"_blank\" rel=\"noopener\">toto porovnanie<\/a>. Ak b\u00fdvate v \u010cesku alebo na Slovensku, tak v\u00e1s upozor\u0148ujeme, \u017ee sa budete musie\u0165 po\u010das roku opakovanie vracia\u0165 do krajiny.<\/em><\/p>\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=\"Ako_na_lacne_letenky_15_osvedcenych_a_menej_znamych_tipov\"><\/span>Ako na lacn\u00e9 letenky: 15 osved\u010den\u00fdch a menej zn\u00e1mych tipov<span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"summary\">Cestovanie nie je drah\u00e9, ale letenky zvy\u010dajne \u00e1no. \u010casto s\u00fa najdrah\u0161ou polo\u017ekou celej cesty. Nau\u010d\u00edme v\u00e1s, ako na lacn\u00e9 letenky.<\/div><\/div>\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=\"Ako_najst_lacne_ubytovanie\"><\/span>Ako n\u00e1js\u0165 lacn\u00e9 ubytovanie<span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"summary\">Lacn\u00e9 ubytovanie je k dispoz\u00edcii na celom svete. Okrem hotelov je tu aj mnoho in\u00fdch mo\u017enost\u00ed ubytovan\u00ed, ktor\u00e9 si zaobstar\u00e1te za zlomov ceny. [&#8230;]<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u2705 Ako si vybra\u0165 dlhodob\u00e9 cestovn\u00e9 poistenie? \u2705 N\u00e1vod pre cestovate\u013eov a digit\u00e1lnych nom\u00e1dov \u2705 Poistenie ako predplatn\u00e9<\/p>\n","protected":false},"author":2,"featured_media":65191,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","rank_math_title":"Ro\u010dn\u00e9 cestovn\u00e9 poistenie 2023: porovnanie od sk\u00fasen\u00fdch cestovate\u013eov","rank_math_description":"\u2705 Ako si vybra\u0165 dlhodob\u00e9 cestovn\u00e9 poistenie? \u2705 N\u00e1vod pre cestovate\u013eov a digit\u00e1lnych nom\u00e1dov \u2705 Poistenie ako predplatn\u00e9","rank_math_focus_keyword":"poistenie","rank_math_seo_score":""},"categories":[744],"tags":[],"class_list":{"0":"post-72949","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cestovatelske-tipy"},"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\/sk\/author\/lukas-konecny\/"},"_links":{"self":[{"href":"https:\/\/loudavymkrokem.cz\/sk\/wp-json\/wp\/v2\/posts\/72949","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/loudavymkrokem.cz\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/loudavymkrokem.cz\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/sk\/wp-json\/wp\/v2\/comments?post=72949"}],"version-history":[{"count":4,"href":"https:\/\/loudavymkrokem.cz\/sk\/wp-json\/wp\/v2\/posts\/72949\/revisions"}],"predecessor-version":[{"id":142381,"href":"https:\/\/loudavymkrokem.cz\/sk\/wp-json\/wp\/v2\/posts\/72949\/revisions\/142381"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/sk\/wp-json\/wp\/v2\/media\/65191"}],"wp:attachment":[{"href":"https:\/\/loudavymkrokem.cz\/sk\/wp-json\/wp\/v2\/media?parent=72949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/sk\/wp-json\/wp\/v2\/categories?post=72949"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/loudavymkrokem.cz\/sk\/wp-json\/wp\/v2\/tags?post=72949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}