{"id":4803,"date":"2023-07-17T14:02:44","date_gmt":"2023-07-17T12:02:44","guid":{"rendered":"https:\/\/www.wuestenrot.sk\/?p=4803"},"modified":"2023-07-17T14:02:44","modified_gmt":"2023-07-17T12:02:44","slug":"zaujem-o-cestovne-poistenie-rastie-akym-problemom-v-zahranici-najcastejsie-celia-slovaci","status":"publish","type":"tlacova-sprava","link":"https:\/\/www.wuestenrot.sk\/tlacova-sprava\/zaujem-o-cestovne-poistenie-rastie-akym-problemom-v-zahranici-najcastejsie-celia-slovaci\/","title":{"rendered":"Z\u00e1ujem o cestovn\u00e9 poistenie rastie, ak\u00fdm probl\u00e9mom v zahrani\u010d\u00ed naj\u010dastej\u0161ie \u010delia Slov\u00e1ci?"},"content":{"rendered":"<p align=\"center\"><strong>\u010co robi\u0165 so zaplatenou dovolenkou, ak ju zru\u0161\u00ed zamestn\u00e1vate\u013e?<\/strong><\/p>\n<p align=\"center\"><strong>&nbsp;<\/strong><\/p>\n<p><strong>Sez\u00f3na letn\u00fdch dovoleniek sa rozbieha. Pod\u013ea \u00fadajov pois\u0165ovne W\u00fcstenrot maj\u00fa Slov\u00e1ci v\u00e4\u010d\u0161\u00ed z\u00e1ujem o cestovn\u00e9 poistenie, v porovnan\u00ed s minul\u00fdm rokom vzr\u00e1stol pomer uzatvoren\u00fdch zml\u00fav takmer o polovicu. V \u010dom je z h\u013eadiska poistenia tohtoro\u010dn\u00e1 sez\u00f3na in\u00e1, ak\u00fdm probl\u00e9mom \u010delia Slov\u00e1ci naj\u010dastej\u0161ie v zahrani\u010d\u00ed a k ak\u00fdm sporn\u00fdm situ\u00e1ci\u00e1m doch\u00e1dza pri hl\u00e1sen\u00ed poistn\u00fdch udalost\u00ed? Porad\u00edme, \u010do robi\u0165, ak nem\u00f4\u017eu klienti na dovolenku odcestova\u0165 a ak\u00e9 s\u00fa ich pr\u00e1va, ke\u010f im vo\u013eno zru\u0161\u00ed zamestn\u00e1vate\u013e.<\/strong><\/p>\n<p><strong>Rastie z\u00e1ujem o kr\u00e1tkodob\u00e9 cestovn\u00e9 poistenie aj pripoistenie chronick\u00fdch chor\u00f4b<\/strong><\/p>\n<p>Pois\u0165ov\u0148a W\u00fcstenrot eviduje v porovnan\u00ed s rokom 2022 v\u00e4\u010d\u0161\u00ed z\u00e1ujem Slov\u00e1kov o cestovn\u00e9 poistenie. V roku 2023 vzr\u00e1stol po\u010det dojednan\u00fdch zml\u00fav za prv\u00fdch p\u00e4\u0165 mesiacov o 43 percent. Pod\u013ea trendu z minul\u00e9ho roka, aj predpokladov na z\u00e1klade anal\u00fdzy pois\u0165ovne, je vy\u0161\u0161\u00ed z\u00e1ujem o kr\u00e1tkodob\u00e9 cestovn\u00e9 poistenie, u ktor\u00e9ho vzr\u00e1stol po\u010det uzatvoren\u00fdch zml\u00fav o 74 percent. Z celkov\u00e9ho po\u010dtu zml\u00fav tvor\u00ed kr\u00e1tkodob\u00e9 cestovn\u00e9 poistenie 78 percent. Ako pois\u0165ov\u0148a predpokladala za\u010diatkom roka, u Slov\u00e1kov sa pravdepodobne po n\u00e1ro\u010dn\u00fdch pandemick\u00fdch rokoch aj vplyvom zdra\u017eovania prejavila slab\u0161ia viera v to, \u017ee si bud\u00fa m\u00f4c\u0165 dovoli\u0165 vycestova\u0165 do zahrani\u010dia viackr\u00e1t do roka. Opatrnos\u0165 je zrete\u013enej\u0161ia aj u chronick\u00fdch pacientov, ktor\u00ed sa vo\u010di tomuto riziku nech\u00e1vaj\u00fa pripoisti\u0165 v porovnan\u00ed s minul\u00fdm rokom o 57 percent \u010dastej\u0161ie.<\/p>\n<p>Pois\u0165ov\u0148a W\u00fcstenrot eviduje tie\u017e v\u00fdrazne vy\u0161\u0161\u00ed z\u00e1ujem o rodinn\u00fd bal\u00edk kr\u00e1tkodob\u00e9ho cestovn\u00e9ho poistenia, kedy m\u00f4\u017eu by\u0165 na jednej poistnej zmluve poisten\u00e9 dve dospel\u00e9 osoby a dve deti do 18 rokov. Medziro\u010dne ide o n\u00e1rast na \u00farovni 23 percent.<\/p>\n<p><strong>Slov\u00e1kov v zahrani\u010d\u00ed naj\u010dastej\u0161ie tr\u00e1pia gastroenterit\u00eddy, alergick\u00e9 reakcie a \u00farazy<\/strong><\/p>\n<p>\u201eZ cestovn\u00e9ho poistenia evidujeme v najv\u00e4\u010d\u0161ej miere hl\u00e1sen\u00e9 poistn\u00e9 udalosti z titulu vynalo\u017eenia lie\u010debn\u00fdch n\u00e1kladov pri be\u017en\u00fdch dovolenkov\u00fdch ochoreniach ako s\u00fa gastroenterit\u00eddy, \u00fapaly \u010di alergick\u00e9 reakcie. Podobne \u010dast\u00e9 s\u00fa aj \u00farazy poisten\u00fdch pri r\u00f4znych \u0161portov\u00fdch aktivit\u00e1ch, poranenie morsk\u00fdm je\u017ekom a med\u00fazou,\u201c vysvet\u013euje riadite\u013eka \u00daseku underwritingu a likvid\u00e1cie pois\u0165ovne W\u00fcstenrot Jana Kuchtov\u00e1.<\/p>\n<p>Hl\u00e1sen\u00e9 s\u00fa taktie\u017e poistn\u00e9 udalosti sp\u00f4soben\u00e9 me\u0161kan\u00edm letu alebo bato\u017einy. Klienti si uplat\u0148uj\u00fa n\u00e1hradu \u0161kody aj z d\u00f4vodu storna cesty v pr\u00edpade v\u00e1\u017enych ochoren\u00ed alebo \u00farazov, pri\u010dom v r\u00e1mci tohto poistenia s\u00fa klientom kryt\u00e9 n\u00e1klady na storno zak\u00fapenej cesty, letenky, cestovn\u00e9 l\u00edstky, rezerv\u00e1cia ubytovania, ale aj slu\u017eby pon\u00fakan\u00e9 organiz\u00e1torom cesty. Poistn\u00e9 udalosti z poistenia zodpovednosti za \u0161kodu, ako je po\u0161kodenie hotelov\u00e9ho zariadenia, sp\u00f4sobenie dopravnej nehody jazdou na bicykli \u010di zapr\u00ed\u010dinenie \u0161kody na zdrav\u00ed, eviduje pois\u0165ov\u0148a sk\u00f4r v\u00fdnimo\u010dne.<\/p>\n<p><strong>Sporn\u00e9 poistn\u00e9 udalosti<\/strong><\/p>\n<p>\u201eSpory ob\u010das vznikaj\u00fa pri n\u00e1rokovan\u00ed poistn\u00e9ho plnenia z poistenia storna cesty, pri ktorom je podmienkou jeho vyplatenia v\u00e1\u017eny d\u00f4vod, kv\u00f4li ktor\u00e9mu klient nemohol odcestova\u0165 na objednan\u00fa dovolenku \u010di z\u00e1jazd.<strong>&nbsp;<\/strong> Ide napr\u00edklad o ochorenie alebo \u00faraz, v d\u00f4sledku ktor\u00e9ho je poisten\u00fd hospitalizovan\u00fd alebo preuk\u00e1zate\u013ene prip\u00fatan\u00fd na l\u00f4\u017eko. Poisten\u00ed si niekedy z uveden\u00e9ho poistenia n\u00e1rokuj\u00fa nahradi\u0165 vzniknut\u00e9 storno poplatky napriek tomu, \u017ee pred odchodom na cestu ochoreli len be\u017en\u00fdm respira\u010dn\u00fdm ochoren\u00edm,\u201c pokra\u010duje Jana Kuchtov\u00e1 a dod\u00e1va, \u017ee klienti by mali venova\u0165 pozornos\u0165 aj tomu, kedy poistenie storna cesty uzatv\u00e1raj\u00fa, preto\u017ee minim\u00e1lna lehota je 20 dn\u00ed pred cestou. D\u00f4le\u017eit\u00e9 je tie\u017e rezervovan\u00fd z\u00e1jazd najsk\u00f4r zru\u0161i\u0165 a a\u017e n\u00e1sledne si n\u00e1rokova\u0165 n\u00e1hradu vzniknutej \u0161kody.<\/p>\n<p>\u201eProblematick\u00e9 s\u00fa pri poistnom plnen\u00ed aj niektor\u00e9 zdravotn\u00edcke zariadenia v dovolenkov\u00fdch destin\u00e1ci\u00e1ch, ktor\u00e9 si \u00fa\u010dtuj\u00fa za o\u0161etrenie nieko\u013ekon\u00e1sobne vy\u0161\u0161ie poplatky, ako je v danej krajine be\u017en\u00e9. Zvy\u010dajne ide o zariadenia, ktor\u00e9 zo zrejm\u00fdch d\u00f4vodov odpor\u00fa\u010daj\u00fa klientom priamo hotely, v ktor\u00fdch s\u00fa ubytovan\u00ed. V tak\u00fdchto pr\u00edpadoch preto poisten\u00fdm odpor\u00fa\u010dame kontaktova\u0165 asisten\u010dn\u00fa slu\u017ebu, ktor\u00e1 poisten\u00e9mu odporu\u010d\u00ed preveren\u00e9 zdravotn\u00edcke zariadenie v pr\u00edslu\u0161nej lokalite,\u201c dod\u00e1va.<\/p>\n<p><strong>\u010co robi\u0165 v pr\u00edpade, \u017ee dovolenku nariadi zru\u0161i\u0165 zamestn\u00e1vate\u013e?&nbsp;<\/strong><\/p>\n<p>Pois\u0165ov\u0148a upozor\u0148uje, \u017ee klienti by nemali zab\u00fada\u0165 vopred nahl\u00e1si\u0165 dovolenku svojmu zamestn\u00e1vate\u013eovi a a\u017e n\u00e1sledne ju z\u00e1v\u00e4zne rezervova\u0165 a zaplati\u0165. Ak potom zamestn\u00e1vate\u013e \u010derpanie dovolenky zamestnancovi zmen\u00ed alebo ho z dovolenky odvol\u00e1, &nbsp;je povinn\u00fd mu vzniknut\u00e9 n\u00e1klady uhradi\u0165. Obozretn\u00ed by mali by\u0165 klienti aj v pr\u00edpadoch, ke\u010f zamestn\u00e1vate\u013e nariadi povinn\u00e9 \u010derpanie dovolenky, kedy je povinn\u00fd to zamestnancovi vopred ozn\u00e1mi\u0165 a d\u013a\u017eka takejto dovolenky m\u00f4\u017ee by\u0165 maxim\u00e1lne dva t\u00fd\u017edne. Pri obdobn\u00fdch probl\u00e9moch so zamestn\u00e1vate\u013eom m\u00f4\u017eu by\u0165 n\u00e1pomocn\u00ed pr\u00e1vnici, ktor\u00ed mu v r\u00e1mci poistenia pr\u00e1vnej ochrany pois\u0165ovne W\u00fcstenrot poskytn\u00fa poradenstvo a pripadne aj potrebn\u00e9 pr\u00e1vne zast\u00fapenie.<\/p>\n","protected":false},"featured_media":0,"template":"","acf":[],"_links":{"self":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/tlacova-sprava\/4803"}],"collection":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/tlacova-sprava"}],"about":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/types\/tlacova-sprava"}],"wp:attachment":[{"href":"https:\/\/www.wuestenrot.sk\/api\/wp\/v2\/media?parent=4803"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}