{"id":1269,"date":"2019-07-31T13:49:11","date_gmt":"2019-07-31T11:49:11","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=1269"},"modified":"2019-08-09T14:38:52","modified_gmt":"2019-08-09T12:38:52","slug":"cestovne-poistenie-potrebujete-aj-na-dovolenke-v-eu","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/cestovne-poistenie-potrebujete-aj-na-dovolenke-v-eu\/","title":{"rendered":"V\u00e4\u010d\u0161ina Slov\u00e1kov dovolenkuje v Eur\u00f3pe. Pre\u010do n\u00e1m zdravotn\u00e9 poistenie nesta\u010d\u00ed?"},"content":{"rendered":"

Dovolenkov\u00e1 sez\u00f3na je v\u00a0plnom pr\u00fade a\u00a0pod\u013ea jedn\u00e9ho z\u00a0najnov\u0161\u00edch prieskumov si v\u00e4\u010d\u0161ina Slov\u00e1kov u\u017e\u00edva leto v\u00a0eur\u00f3pskych krajin\u00e1ch. A\u00a0tak mnoh\u00ed logicky prem\u00fd\u0161\u013eaj\u00fa –\u00a0 je naozaj nevyhnutn\u00e9\u00a0pribali\u0165 si do\u00a0bato\u017einy aj cestovn\u00e9 poistenie, alebo mi v Eur\u00f3pe posta\u010d\u00ed len eur\u00f3psky preukaz zdravotn\u00e9ho poistenia?<\/b><\/p>\n

Dovolenkujeme v\u00a0Eur\u00f3pe a\u00a0najrad\u0161ej pri mori<\/b><\/span><\/h3>\n

Spolo\u010dnos\u0165 Nielsen Admosphere Slovakia pred letom zverejnila v\u00fdsledky prieskumu, pod\u013ea ktor\u00e9ho takmer polovica na\u0161incov pl\u00e1nuje tento rok vyrazi\u0165 na dovolenku. Preva\u017en\u00e1 v\u00e4\u010d\u0161ina, a\u017e <\/span>61 % chce dovolenkova\u0165 v\u00a0niektorej z\u00a0eur\u00f3pskych kraj\u00edn a\u00a0najviac \u013eud\u00ed <\/b>sa chyst\u00e1 na t\u00fd\u017edenn\u00fd pobyt.\u00a0<\/span><\/p>\n

V\u0161eobecne <\/span>Slov\u00e1ci pod\u013ea prieskumu ob\u013eubuj\u00fa letn\u00e9 dovolenky pri mori, <\/b>\u010do priznala takmer polovica op\u00fdtan\u00fdch. Ove\u013ea menej \u013eud\u00ed potom preferuje turistiku v hor\u00e1ch (20 %) alebo pozn\u00e1vacie z\u00e1jazdy (19 %), a\u00a0napr\u00edklad \u0161portovo-akt\u00edvnej dovolenke d\u00e1vaj\u00fa prednos\u0165 len 4 % op\u00fdtan\u00fdch.\u00a0<\/span><\/p>\n

Porovnajte si v\u00fdhody a nev\u00fdhody<\/b><\/span><\/h3>\n

Mo\u017eno aj vy pr\u00e1ve uva\u017eujete, \u010di si na jeden \u010di dva t\u00fd\u017edne za hranicami Slovenska treba zaplati\u0165 aj poistenie lie\u010debn\u00fdch n\u00e1kladov. Niektor\u00ed \u013eudia, zvl\u00e1\u0161\u0165 ak id\u00fa len k\u00a0rodine do \u010ciech \u010di susedn\u00e9ho Ma\u010farska, na to zab\u00fadaj\u00fa, alebo<\/span> sa spoliehaj\u00fa na eur\u00f3psky preukaz zdravotn\u00e9ho poistenia, <\/b>ktor\u00fd maj\u00fa od zdravotnej pois\u0165ovne zadarmo.\u00a0<\/span><\/p>\n

N\u00e1klady za o\u0161etrenie vyvrtnut\u00e9ho \u010dlenka \u010di oper\u00e1ciu zlomenej nohy sa m\u00f4\u017eu vy\u0161plha\u0165 aj na nieko\u013eko tis\u00edc eur. Verejn\u00e9 <\/span>zdravotn\u00e9 poistenie pritom z\u00a0tejto sumy pokryje len minimum.<\/b> Je jedno \u010di sa chyst\u00e1te vylihova\u0165 na pl\u00e1\u017ei v\u00a0ne\u010falekom Chorv\u00e1tsku alebo pl\u00e1nujete n\u00e1ro\u010dnej\u0161iu turistiku \u010di rafting v\u00a0ob\u013e\u00fabenom Slovinsku. Jednoduch\u00e9 porovnanie eur\u00f3pskeho preukazu zdravotn\u00e9ho poistenia a cestovn\u00e9ho poistenia lie\u010debn\u00fdch n\u00e1kladov v\u00e1m pom\u00f4\u017ee sa pred cestou spr\u00e1vne rozhodn\u00fa\u0165.\u00a0<\/span><\/p>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Eur\u00f3psky preukaz zdravotn\u00e9ho poistenia<\/b><\/span><\/h3>\n<\/td>\n

\n

Cestovn\u00e9 poistenie lie\u010debn\u00fdch n\u00e1kladov<\/b><\/span><\/h3>\n<\/td>\n<\/tr>\n

\n

V\u00a0ktor\u00fdch krajin\u00e1ch ho m\u00f4\u017eem vyu\u017ei\u0165?<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n

Plat\u00ed<\/span> vo\u00a0v\u0161etk\u00fdch \u0161t\u00e1toch E\u00da, na\u00a0Islande, v\u00a0N\u00f3rsku, Lichten\u0161tajnsku a vo\u00a0\u0160vaj\u010diarsku. V Srbsku a\u00a0v Maced\u00f3nsku v\u00e1m zabezpe\u010d\u00ed poskytnutie neodkladnej zdravotnej starostlivosti.<\/span><\/td>\nPoistenie lie\u010debn\u00fdch n\u00e1kladov m\u00f4\u017eete uzatvori\u0165 do ktorejko\u013evek krajiny na svete. Posl\u00fa\u017ei v\u00e1m aj na Slovensku, ak sa chyst\u00e1te do h\u00f4r a\u00a0potrebovali by ste z\u00e1sah Horskej z\u00e1chrannej slu\u017eby.<\/span><\/td>\n<\/tr>\n
\n

Ktor\u00ed lek\u00e1ri a nemocnice v\u00e1s o\u0161etria?<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n

Preukaz akceptuj\u00fa u verejn\u00fdch poskytovate\u013eov zdravotnej starostlivosti, \u010di\u017ee len v \u0161t\u00e1tnych nemocniciach a ambulanci\u00e1ch. Mus\u00edte teda vyh\u013eada\u0165 lek\u00e1ra alebo zariadenie, ktor\u00e9 je napojen\u00e9 na verejn\u00fd zdravotn\u00fd syst\u00e9m a\u00a0o\u0161etria v\u00e1s v\u00a0rovnakom rozsahu ako keby ste boli dom\u00e1ci poistenec. Zoznamy lek\u00e1rov n\u00e1jdete vo va\u0161ej zdravotnej pois\u0165ovni.<\/span><\/td>\nPom\u00f4\u017eu v\u00e1m vo\u00a0verejn\u00fdch aj v s\u00fakromn\u00fdch zariadeniach, m\u00f4\u017eete sa obr\u00e1ti\u0165 aj na s\u00fakromn\u00e9ho lek\u00e1ra \u010di\u00a0nemocnicu. T\u00ed v\u00e4\u010d\u0161inou\u00a0poskytuj\u00fa v\u00e4\u010d\u0161\u00ed komfort a\u00a0vy\u0161\u0161iu \u00farove\u0148 zdravotnej starostlivosti. V\u00a0pr\u00edpade potreby zavolajte asisten\u010dn\u00fa slu\u017ebu pois\u0165ovne, ktor\u00e1 v\u00e1m lek\u00e1ra vo va\u0161om okol\u00ed pom\u00f4\u017ee vyh\u013eada\u0165.<\/span><\/td>\n<\/tr>\n
\n

Ko\u013eko si budete dopl\u00e1ca\u0165 z\u00a0vlastn\u00e9ho vrecka?<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n

Ber\u00fa v\u00e1s ako miestneho obyvate\u013ea, teda aj pri platen\u00ed za o\u0161etrenie doplat\u00edte rovnak\u00fa sumu ako miestni poistenci. V\u00fd\u0161ka spolu\u00fa\u010dasti za zdravotn\u00fd v\u00fdkon m\u00f4\u017ee by\u0165 v\u00a0rozsahu 10 a\u017e 30 %. V niektor\u00fdch krajin\u00e1ch je v\u0161ak podstatne vy\u0161\u0161ia ako na Slovensk<\/span>u<\/span>. <\/span>Napr\u00edklad ak doma v\u00e1\u0161mu zub\u00e1rovi za o\u0161etrenie bolestiv\u00e9ho zuba doplat\u00edte okolo 50 eur, v zahrani\u010d\u00ed to m\u00f4\u017eu by\u0165 aj stovky.<\/span><\/td>\nNebudete dopl\u00e1ca\u0165 ni\u010d navy\u0161e. N\u00e1klady pokryje va\u0161a poistka, bez va\u0161ej spolu\u00fa\u010dasti. Zjednodu\u0161ene povedan\u00e9 to, \u010do v\u00e1s bude st\u00e1\u0165 samotn\u00e9 lek\u00e1rske o\u0161etrenie, to\u013eko pe\u0148az\u00ed aj pois\u0165ov\u0148a preplat\u00ed. Preto je d\u00f4le\u017eit\u00e9 zauj\u00edma\u0165 sa o limit plnenia lie\u010debn\u00fdch n\u00e1kladov a vybra\u0165 si \u010do najv\u00e4\u010d\u0161\u00ed rozsah poistn\u00e9ho krytia. Ak budete postupova\u0165 pod\u013ea in\u0161trukci\u00ed asisten\u010dnej slu\u017eby, v\u00e4\u010d\u0161inou nemus\u00edte za o\u0161etrenie na dovolenke plati\u0165 sami. No keby od v\u00e1s p\u00fdtali peniaze na mieste, odlo\u017e\u00edte si doklad o zaplaten\u00ed a pois\u0165ov\u0148a v\u00e1m o\u0161etrenie po zdokladovan\u00ed uhrad\u00ed.\u00a0\u00a0<\/span><\/td>\n<\/tr>\n
\n

Kto mi zaplat\u00ed prevoz domov na Slovensko?<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n

Nevz\u0165ahuje sa na repatri\u00e1cu, \u010di\u017ee prevoz pacienta domov na Slovensko si plat\u00edte sami.<\/span><\/td>\nKryje aj n\u00e1klady na prevoz zo zahrani\u010dia domov na Slovensko.\u00a0<\/span><\/td>\n<\/tr>\n
\n

\u010co ak trp\u00edm chronick\u00fdm ochoren\u00edm?<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n

Vz\u0165ahuje sa aj na chronick\u00e9 ochorenia. Ak m\u00e1te napr\u00edklad vysok\u00fd krvn\u00fd tlak, probl\u00e9my so srdcom alebo in\u00e9 chronick\u00e9 ochorenie, aj vtedy v\u00e1s v\u00a0pr\u00edpade n\u00fadze o\u0161etria.<\/span><\/td>\nV niektor\u00fdch pois\u0165ovniach v\u00e1s na krytie o\u0161etrenia chronick\u00e9ho ochorenia nepoistia, v in\u00fdch sa viete pripoisti\u0165.<\/span> A s\u00fa<\/span> aj tak\u00e9, kde m\u00e1te chronick\u00e9 ochorenie poisten\u00e9 automaticky, ale pri poistnej udalosti sk\u00famaj\u00fa, \u010di ste neurobili ni\u010d, \u010do by viedlo k zhor\u0161eniu stavu v\u00e1\u0161ho chronick\u00e9ho ochorenia.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

<\/h3>\n

\"\"<\/h3>\n

V\u00fdhodou s\u00fa aj nonstop asisten\u010dn\u00e9 slu\u017eby<\/b><\/span><\/h3>\n

Porovnanie eur\u00f3pskeho preukazu a cestovn\u00e9ho poistenia hovor\u00ed jasne – ide\u00e1lna je kombin\u00e1cia oboch. Spolieha\u0165 sa len na zdravotn\u00e9 poistenie nesta\u010d\u00ed. Pred cestou si preto uzatvorte aj cestovn\u00e9 poistenie,<\/span> pri ktorom si <\/span>spolu s\u00a0lie\u010debn\u00fdmi n\u00e1kladmi m\u00f4\u017eete pripoisti\u0165 aj stratu bato\u017einy, auto<\/b>, storno dovolenky alebo dokonca dom\u00e1ceho mil\u00e1\u010dika. Ide\u00e1lne je zvoli\u0165 si<\/span> bal\u00edk cestovn\u00e9ho poistenia<\/b>, ktor\u00fd pokryje v\u0161etky mo\u017en\u00e9 situ\u00e1cie v z\u00e1vislosti od charakteru va\u0161ej dovolenky<\/a><\/span><\/p>\n

Ve\u013ekou v\u00fdhodou komer\u010dn\u00e9ho cestovn\u00e9ho poistenia s\u00fa aj <\/span>asisten\u010dn\u00e9 slu\u017eby, na ktor\u00e9 sa pri poistnej udalosti m\u00f4\u017eete spo\u013eahn\u00fa\u0165<\/b>. Tie m\u00e1te k dispoz\u00edcii nepretr\u017eite 24 hod\u00edn denne. Sta\u010d\u00ed si ulo\u017ei\u0165 telef\u00f3nne \u010d\u00edslo, na ktorom v\u00e1m oper\u00e1tori ihne\u010f poradia ako m\u00e1te v\u00a0konkr\u00e9tnej situ\u00e1cii postupova\u0165, kam \u00eds\u0165 a\u00a0na koho sa obr\u00e1ti\u0165. Zbav\u00edte sa tak ve\u013ek\u00e9ho stresu a\u00a0u\u0161etr\u00edte mno\u017estvo \u010dasu.<\/span><\/p>\n

Odborn\u00edk porad\u00ed, ktor\u00e9 pripoistenia sa v\u00e1m z\u00eddu<\/b><\/span><\/h3>\n

Na uzatvorenie poistenia v\u00e1m <\/span>sta\u010d\u00ed len p\u00e1r klikov <\/b>cez internet<\/b><\/a>, alebo sms-ka do konkr\u00e9tnej pois\u0165ovne. Ale lep\u0161ie je nenech\u00e1va\u0165 si poistenie na posledn\u00fa chv\u00ed\u013eu a\u00a0uzavrie\u0165 ho aj kv\u00f4li platbe <\/span>aspo\u0148 de\u0148 vopred. <\/b>Najlep\u0161ie urob\u00edte, ak sa pri v\u00fdbere poistky vopred<\/span> obr\u00e1tite na finan\u010dn\u00fdch sprostredkovate\u013eov z FinGO.sk.<\/b> Poznaj\u00fa \u0161pecifik\u00e1 jednotliv\u00fdch pois\u0165ovn\u00ed a\u00a0odporu\u010dia v\u00e1m, kde v\u00e1s alebo cel\u00fa va\u0161u rodinu poistia najlep\u0161ie. Nie v\u017edy toti\u017e plat\u00ed, \u017ee najdrah\u0161ia poistka je aj najkvalitnej\u0161ia.\u00a0\u00a0<\/span><\/p>\n

Finan\u010dn\u00fd sprostredkovate\u013e v\u00e1m porad\u00ed aj v tom, \u010di sa v\u00e1m po\u010das dlh\u0161ej nepr\u00edtomnosti oplat\u00ed napr\u00edklad aj pripoistenie dom\u00e1cnosti. Ke\u010f\u017ee pozn\u00e1 v\u0161etky poistn\u00e9 produkty, ktor\u00e9 vyu\u017e\u00edvate celoro\u010dne ako je havarijn\u00e1 poistka alebo poistenie nehnute\u013enosti, ve\u013emi r\u00fdchlo pos\u00fadi <\/span>ak\u00e9 \u010fal\u0161ie pripoistenia sa v\u00e1m po\u010das dovolenky z\u00eddu a\u00a0ktor\u00e9 s\u00fa pre v\u00e1s naopak zbyto\u010dn\u00e9<\/b>. Sta\u010d\u00ed sa zveri\u0165 do r\u00fak odborn\u00edkov <\/span>z\u00a0FinGO.sk<\/span><\/a>, ktor\u00fdch n\u00e1jdete v\u00a0ka\u017edom zo 79 okresov Slovenska.\u00a0<\/span><\/p>\n\n

\n

<\/p>

    <\/ul><\/div>\n
    \n
    \n\n\n\n\n\n\n<\/div>\n

    Chcete sa poradi\u0165 pri v\u00fdbere cestovn\u00e9ho alebo in\u00e9ho ne\u017eivotn\u00e9ho poistenia? Jednoducho vypl\u0148te svoje kontaktn\u00e9 \u00fadaje a my sa V\u00e1m ozveme.\n<\/p>\n

    \n<\/p>

    <\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

    Dovolenkov\u00e1 sez\u00f3na je v\u00a0plnom pr\u00fade a\u00a0pod\u013ea jedn\u00e9ho z\u00a0najnov\u0161\u00edch prieskumov si v\u00e4\u010d\u0161ina Slov\u00e1kov u\u017e\u00edva leto v\u00a0eur\u00f3pskych krajin\u00e1ch. A\u00a0tak mnoh\u00ed logicky prem\u00fd\u0161\u013eaj\u00fa –\u00a0 je naozaj nevyhnutn\u00e9\u00a0pribali\u0165 si do\u00a0bato\u017einy aj cestovn\u00e9 poistenie, alebo mi v Eur\u00f3pe posta\u010d\u00ed len eur\u00f3psky preukaz zdravotn\u00e9ho poistenia? Dovolenkujeme v\u00a0Eur\u00f3pe a\u00a0najrad\u0161ej pri mori Spolo\u010dnos\u0165 Nielsen Admosphere Slovakia pred letom zverejnila v\u00fdsledky prieskumu, pod\u013ea ktor\u00e9ho takmer polovica na\u0161incov pl\u00e1nuje tento rok vyrazi\u0165 na dovolenku. Preva\u017en\u00e1 v\u00e4\u010d\u0161ina, a\u017e 61 % chce dovolenkova\u0165 v\u00a0niektorej z\u00a0eur\u00f3pskych kraj\u00edn a\u00a0najviac \u013eud\u00ed sa chyst\u00e1 na t\u00fd\u017edenn\u00fd pobyt.\u00a0 V\u0161eobecne Slov\u00e1ci pod\u013ea prieskumu ob\u013eubuj\u00fa letn\u00e9 dovolenky pri mori, \u010do priznala takmer polovica op\u00fdtan\u00fdch. Ove\u013ea menej \u013eud\u00ed potom preferuje turistiku v hor\u00e1ch (20 %) alebo pozn\u00e1vacie z\u00e1jazdy (19 %), a\u00a0napr\u00edklad \u0161portovo-akt\u00edvnej dovolenke d\u00e1vaj\u00fa prednos\u0165 len 4 % op\u00fdtan\u00fdch.\u00a0 Porovnajte si v\u00fdhody a nev\u00fdhody Mo\u017eno aj vy pr\u00e1ve uva\u017eujete, \u010di si na jeden \u010di dva t\u00fd\u017edne za hranicami Slovenska treba zaplati\u0165 aj poistenie lie\u010debn\u00fdch n\u00e1kladov. Niektor\u00ed \u013eudia, zvl\u00e1\u0161\u0165 ak id\u00fa len k\u00a0rodine do \u010ciech \u010di susedn\u00e9ho Ma\u010farska, na to zab\u00fadaj\u00fa, alebo sa spoliehaj\u00fa na eur\u00f3psky preukaz zdravotn\u00e9ho poistenia, ktor\u00fd maj\u00fa od zdravotnej pois\u0165ovne zadarmo.\u00a0 N\u00e1klady za o\u0161etrenie vyvrtnut\u00e9ho \u010dlenka \u010di oper\u00e1ciu zlomenej nohy sa m\u00f4\u017eu vy\u0161plha\u0165 aj na nieko\u013eko tis\u00edc eur. Verejn\u00e9 zdravotn\u00e9 poistenie pritom z\u00a0tejto sumy pokryje len minimum. […]<\/p>\n","protected":false},"author":18,"featured_media":1270,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[13,7,75],"tags":[122,67],"yoast_head":"\nV\u00e4\u010d\u0161ina Slov\u00e1kov dovolenkuje v Eur\u00f3pe. 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