{"id":1986,"date":"2020-02-18T17:09:33","date_gmt":"2020-02-18T16:09:33","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=1986"},"modified":"2024-05-23T10:04:52","modified_gmt":"2024-05-23T08:04:52","slug":"poistenie-storna","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/poistenie-storna\/","title":{"rendered":"Poistenie storna dovolenky: Pom\u00f4\u017ee aj pri obav\u00e1ch z koronav\u00edrusu?"},"content":{"rendered":"<p>Aktualizovan\u00e9 11.3.2020:<\/p>\n<p><b>T\u00e1to predstava v\u00e1s nepote\u0161\u00ed, ale m\u00f4\u017ee sa to sta\u0165 ka\u017ed\u00e9mu. K\u00fapite si dovolenku a\u00a0te\u0161\u00edte sa na \u0148u cel\u00e9 t\u00fd\u017edne alebo mesiace. Tesne pred odchodom v\u0161ak ne\u010dakane ochoriete, prepustia v\u00e1s v\u00a0pr\u00e1ci alebo v\u00a0krajine, kam sa chyst\u00e1te hroz\u00ed nebezpe\u010denstvo, a\u00a0tak mus\u00edte cestu zru\u0161i\u0165. Aby ste nepri\u0161li o\u00a0v\u0161etky peniaze za letenku, ubytovanie alebo \u010fal\u0161ie zaplaten\u00e9 slu\u017eby, m\u00f4\u017ee v\u00e1m \u010das\u0165 n\u00e1kladov uhradi\u0165 aj poistenie storna poplatkov. Je to tak aj\u00a0v pr\u00edpade koronav\u00edrusu, ktor\u00fd sa \u0161\u00edri svetom?<\/b><\/p>\n<h3><span style=\"color: #ec8124;\"><b>\u010co je to vlastne poistenie storna<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ak si zaplat\u00edte nejak\u00fa slu\u017ebu \u2013 \u010di u\u017e je to cel\u00e1 dovolenka, alebo samostatne zak\u00fapen\u00e1 <a href=\"https:\/\/www.fingo.sk\/blog\/cestujete-na-dovolenku-lietadlom-zbalte-si-dobru-poistku\/\">letenka<\/a>, l\u00edstok na vlak alebo ubytovanie v\u00a0hoteli, ale\u00a0<\/span><b>kv\u00f4li\u00a0nepredv\u00eddan\u00fdm okolnostiam t\u00fato slu\u017ebu nebudete m\u00f4c\u0165 vyu\u017ei\u0165<\/b><span style=\"font-weight: 400;\">,\u00a0mus\u00edte za \u0148u aj tak zaplati\u0165 storno poplatok. V\u00e4\u010d\u0161inou je to pln\u00e1 suma za slu\u017ebu, niekedy to m\u00f4\u017ee by\u0165 len 50 % \u010di 80 % zo zaplatenej sumy.<\/span><b> Ak by ste u\u017e pri objednan\u00ed tejto slu\u017eby uzatvorili aj poistenie storna<\/b><span style=\"font-weight: 400;\">, pois\u0165ov\u0148a by v\u00e1m tieto storno poplatky, alebo aspo\u0148 ich \u010das\u0165 preplatila.\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad:<\/b><\/span><span style=\"font-weight: 400;\"> Pri letenke za 500 eur alebo 1000- \u010di 2000-eurovej dovolenke by bola \u0161koda, keby v\u00e1m peniaze prepadli, lebo v\u00e1m napr\u00edklad <a href=\"https:\/\/www.fingo.sk\/blog\/v-lete-detskych-urazov-pribuda\/\">ochorie die\u0165a<\/a>. V\u010faka poistke m\u00f4\u017eete zna\u010dn\u00fa \u010das\u0165 z nich dosta\u0165 nasp\u00e4\u0165. Pre va\u0161u predstavu, poistenie storna dovolenky <strong>v hodnote 1000 eur v\u00e1s bude st\u00e1\u0165 len okolo 30 eur.<\/strong><\/span><\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/poistenie\/cestovne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=cestovne_gif\"><img decoding=\"async\" class=\"alignnone wp-image-7679 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/gif_cp.gif\" alt=\"\" width=\"1024\" height=\"768\" \/><\/a><\/p>\n<h3><span style=\"color: #ec8124;\"><b>D\u00f4vody, kedy v\u00e1m preplatia storno poplatky\u00a0<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Niektor\u00e9 pois\u0165ovne pon\u00fakaj\u00fa poistenie storna ako samostatn\u00fd produkt, inde ho n\u00e1jdete ako <\/span><b>pripoistenie <a href=\"https:\/\/www.fingo.sk\/blog\/nepodcenujte-dobre-poistenie-na-lyzovacku\/\">k\u00a0cestovn\u00e9mu poisteniu<\/a><\/b><span style=\"font-weight: 400;\">. Podmienky ako aj d\u00f4vody, kedy v\u00e1m storno preplatia, s\u00fa v\u00a0ka\u017edej pois\u0165ovni in\u00e9. V\u00e4\u010d\u0161inou to m\u00f4\u017eu by\u0165 tieto d\u00f4vody:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Ne\u010dakan\u00e9 ochorenie alebo \u00faraz<\/b><span style=\"font-weight: 400;\">, kv\u00f4li ktor\u00e9mu nem\u00f4\u017eete vycestova\u0165. V\u00a0tom pr\u00edpade dolo\u017e\u00edte pois\u0165ovni potvrdenie od lek\u00e1ra, v\u00a0ktorom v\u00e1m vyslovene neodpor\u00fa\u010da absolvova\u0165 cestu.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">M\u00f4\u017ee \u00eds\u0165 aj o\u00a0ne\u010dakan\u00e9 v\u00e1\u017ene <\/span><b>ochorenie zverenej osoby<\/b><span style=\"font-weight: 400;\"> \u2013 napr\u00edklad v\u00e1\u0161ho die\u0165a\u0165a, man\u017eela \u010di va\u0161ich rodi\u010dov.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>\u00damrtie<\/b><span style=\"font-weight: 400;\"> bl\u00edzkej osoby.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Kr\u00edzov\u00e1 situ\u00e1cia v\u00a0rodine, napr\u00edklad <\/span><b>rozvod, strata zamestnania <\/b><span style=\"font-weight: 400;\">(ktor\u00fa ste nezavinili vy sami napr\u00edklad hrub\u00fdm poru\u0161en\u00edm svojich povinnost\u00ed).<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Neudelenie v\u00edza alebo aj zme\u0161kanie n\u00e1stupu do dopravn\u00e9ho prostriedku<\/b><span style=\"font-weight: 400;\"> zo Slovenska, \u010di\u017ee ak z objekt\u00edvnych pr\u00ed\u010din nestihnete lietadlo, vlak a pod.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Nepokoje alebo \u017eiveln\u00e1 udalos\u0165<\/b><span style=\"font-weight: 400;\"> v\u00a0krajine \u2013 nielen v\u00a0krajine, kam sa chyst\u00e1te vycestova\u0165, ale aj v krajine, odkia\u013e cestujete.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pois\u0165ov\u0148a v\u00e1m m\u00f4\u017ee preplati\u0165 aj nevyu\u017eit\u00e9, resp. ne\u010derpan\u00e9 slu\u017eby, keby ste sa z\u00a0vy\u0161\u0161ie uveden\u00fdch\u00a0d\u00f4vodov <\/span><b>museli z\u00a0dovolenky vr\u00e1ti\u0165 pred\u010dasne<\/b><span style=\"font-weight: 400;\">. T\u00fato situ\u00e1ciu v\u00e4\u010d\u0161inou v\u00a0r\u00e1mci cestovn\u00e9ho poistenia kryje <\/span><b>pripoistenie pred\u010dasn\u00e9ho n\u00e1vratu<\/b><span style=\"font-weight: 400;\">, ale v\u00a0niektor\u00fdch pois\u0165ovniach to m\u00f4\u017ee by\u0165 s\u00fa\u010das\u0165ou poistenia storna.\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> D\u00f4vody, resp. rizik\u00e1, na ktor\u00e9 sa poistenie storna vz\u0165ahuje, s\u00fa v\u017edy pop\u00edsan\u00e9 <\/span><b>v\u00a0poistn\u00fdch podmienkach ka\u017edej zmluvy<\/b><span style=\"font-weight: 400;\">. Dobre si ich pre\u0161tudujte, aby ste vedeli, kedy budete ma\u0165 na poistn\u00e9 plnenie n\u00e1rok, \u010do mus\u00edte splni\u0165 alebo dokladova\u0165. Alebo to zverte <\/span><a href=\"https:\/\/www.fingo.sk\/\"><b>finan\u010dn\u00e9mu sprostredkovate\u013eovi<\/b><\/a><span style=\"font-weight: 400;\">, ktor\u00fd v\u00e1m najlep\u0161ie porad\u00ed, ktor\u00fa pois\u0165ov\u0148u si vybra\u0165 a ako sa v\u00a0jej poistn\u00fdch podmienkach zorientova\u0165.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Koronav\u00edrus sa \u0161\u00edri svetom. \u010co na to pois\u0165ovne?<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ak by ste ochoreli, lek\u00e1ri v\u00e1m diagnostikuj\u00fa koronav\u00edrus a vy by ste na dovolenku nemohli odcestova\u0165, tak v\u00e1m pois\u0165ov\u0148a peniaze z\u00a0poistenia storna samozrejme preplat\u00ed. Ale \u010do ak sa kv\u00f4li ob\u00e1van\u00e9mu v\u00edrusu <\/span><b>boj\u00edte vycestova\u0165 do kraj\u00edn, kde bol potvrden\u00fd jeho vysok\u00fd v\u00fdskyt<\/b><span style=\"font-weight: 400;\">? Z\u00a0poistenia storna by v\u00e1m peniaze vyplatili len vtedy, keby Ministerstvo zahrani\u010dn\u00fdch vec\u00ed a eur\u00f3pskych z\u00e1le\u017eitost\u00ed SR, alebo in\u00fd n\u00e1\u0161 \u0161t\u00e1tny org\u00e1n vydal spr\u00e1vu, v ktorej <\/span><b>vyslovene neodpor\u00fa\u010da vycestova\u0165<\/b><span style=\"font-weight: 400;\"> do krajiny, kam sa chyst\u00e1te. Rovnako aj dan\u00e1 krajina m\u00f4\u017ee vyda\u0165 spr\u00e1vu, v\u00a0ktorej kv\u00f4li roz\u0161\u00edren\u00e9mu v\u00edrusu neodpor\u00fa\u010da cestuj\u00facim pricestova\u0165.\u00a0\u00a0<\/span><\/p>\n<table style=\"width: 726px; border-style: solid;\">\n<tbody>\n<tr>\n<td style=\"width: 717.455px; text-align: center;\"><span style=\"font-weight: 400;\"><strong>Pozor! Ministerstvo zahrani\u010dn\u00fdch vec\u00ed vydalo 10. marca <a href=\"https:\/\/www.mzv.sk\/cestovanie_a_konzularne_info\/detail\/-\/asset_publisher\/Iw1ppvnScIPx\/content\/cestovne-odporucanie-talians-1?_101_INSTANCE_Iw1ppvnScIPx_redirect=%2Fcestovanie_a_konzularne_info%2Fdetail%2F-%2Fasset_publisher%2FIw1ppvnScIPx%2Fcontent%2Ftalianska-republika%3FdisplayMode%3D1\">odpor\u00fa\u010danie necestova\u0165<\/a>\u00a0 do Talianska.\u00a0 V\u0161etky cestovn\u00e9 odpor\u00fa\u010dania m\u00f4\u017eete priebe\u017ene sledova\u0165 na internetovej str\u00e1nke ministerstva <a href=\"https:\/\/www.mzv.sk\/staty\/cestovne-odporucania-podla-krajin\">TU<\/a>.\u00a0<\/strong><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"color: #ec8124;\"><b>\u010co sa deje, ak ministerstvo odporu\u010d\u00ed necestova\u0165?<\/b><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ke\u010f ministerstvo zahrani\u010dn\u00fdch vec\u00ed zverejnilo ofici\u00e1lne stanovisko o odpor\u00fa\u010dan\u00ed necestova\u0165 do postihnut\u00fdch oblast\u00ed, najsk\u00f4r sa <\/span><b>obr\u00e1tite na cestovn\u00fa kancel\u00e1riu<\/b><span style=\"font-weight: 400;\">, resp. poskytovate\u013ea slu\u017eieb spojen\u00fdch s cestovan\u00edm, napr. zavol\u00e1te do hotela, ktor\u00fd ste si zaplatili a podobne.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Op\u00fdtate sa na aktu\u00e1lnu situ\u00e1ciu a <\/span><b>mo\u017en\u00fa kompenz\u00e1ciu alebo poskytnutie n\u00e1hradn\u00fdch slu\u017eieb. <\/b><span style=\"font-weight: 400;\">Keby <\/span><b>dopravcovia zru\u0161ili spoje do postihnut\u00fdch oblast\u00ed,<\/b><span style=\"font-weight: 400;\"> v tomto pr\u00edpade by ste kompenz\u00e1ciu diskutovali s leteckou, resp. dopravnou spolo\u010dnos\u0165ou.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>V prvom kroku<\/b><span style=\"font-weight: 400;\"> je to v\u017edy o podmienkach, ak\u00e9 si pri nevycestovan\u00ed vyjedn\u00e1te s cestovkou \u010di leteckou spolo\u010dnos\u0165ou. No ak sa s nimi na kompenz\u00e1cii nedohodnete a bud\u00fa v\u00e1m \u00fa\u010dtova\u0165 storno poplatok, o jeho preplatenie potom<\/span><b> v druhom kroku <\/b><span style=\"font-weight: 400;\">po\u017eiadate pois\u0165ov\u0148u cez svoje pripoistenie storna.<\/span><\/li>\n<\/ul>\n<p><b><span style=\"color: #ec8124;\">Pozor!<\/span> <\/b><span style=\"font-weight: 400;\">Ak sa u\u017e nach\u00e1dzate <\/span><b>v zahrani\u010d\u00ed alebo do zahrani\u010dia vycestujete napriek varovaniu<\/b><span style=\"font-weight: 400;\">, m\u00f4\u017eu by\u0165 lie\u010debn\u00e9 n\u00e1klady v d\u00f4sledku ochorenia, ktor\u00e9 je vyhl\u00e1sen\u00e9 ako epid\u00e9mia alebo pand\u00e9mia, v niektor\u00fdch pois\u0165ovniach vyl\u00fa\u010den\u00e9 z krytia. Ak v\u0161ak utrp\u00edte v takejto krajine \u00faraz a okrem poistenia storna m\u00e1te poisten\u00e9 aj lie\u010debn\u00e9 n\u00e1klady, tieto v\u00e1m pois\u0165ov\u0148a bude kry\u0165.<\/span><\/p>\n<h3><img decoding=\"async\" class=\"wp-image-1993 aligncenter\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/02\/dovolenka-1024x683.jpg\" alt=\"\" width=\"600\" height=\"400\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/02\/dovolenka-1024x683.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/02\/dovolenka-300x200.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/02\/dovolenka-768x512.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/02\/dovolenka-1080x720.jpg 1080w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/02\/dovolenka.jpg 1731w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/h3>\n<h3><span style=\"color: #ec8124;\"><b>Kedy myslie\u0165 na pripoistenie? \u010cas hr\u00e1 svoju rolu\u00a0<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ide\u00e1lne je vybavi\u0165 si poistenie storna, resp. cestovn\u00e9 poistenie s pripoisten\u00edm storna <\/span><b>v ten ist\u00fd de\u0148, kedy ste si samotn\u00fd z\u00e1jazd alebo slu\u017eby zak\u00fapili. <\/b><span style=\"font-weight: 400;\">Ak si najsk\u00f4r k\u00fapite pobyt \u010di dovolenku a o nieko\u013eko dn\u00ed, t\u00fd\u017ed\u0148ov \u010di dokonca mesiacov za\u010dnete prem\u00fd\u0161\u013ea\u0165, \u017ee by ste na \u0148u z nejak\u00fdch d\u00f4vodov nemohli odcestova\u0165, m\u00f4\u017ee pois\u0165ov\u0148a v\u00e1\u0161 <\/span><b>postup pova\u017eova\u0165 za \u0161pekulat\u00edvny.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">V takomto pr\u00edpade, myslite na to, \u017ee pois\u0165ovne maj\u00fa <\/span><b>\u010dakacie lehoty okolo 10 a\u017e 14 dn\u00ed <\/b><span style=\"font-weight: 400;\">a poistka za\u010dne kry\u0165 storno a\u017e po tomto \u010dase. \u010ci\u017ee keby ste mali vycestova\u0165 o t\u00fd\u017ede\u0148, tak v\u00e1m dnes vybaven\u00e9 poistenie storna nebude plati\u0165. No ak m\u00e1te od\u00eds\u0165 na dovolenku a\u017e o mesiac, pripoistenie storna m\u00e1 pre v\u00e1s v\u00fdznam.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>\u010co je e\u0161te d\u00f4le\u017eit\u00e9 pri storne<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">1. Aj poistenie storna v\u00e4\u010d\u0161inou obsahuje <strong>spolu\u00fa\u010das\u0165<\/strong> podobne ako je to pri havarijnej poistke. V\u00fd\u0161ka spolu\u00fa\u010dasti sa pohybuje okolo 10 % zo sumy, ktor\u00fa v\u00e1m bude pois\u0165ov\u0148a prepl\u00e1ca\u0165.<\/span><\/p>\n<blockquote><p><b>Pr\u00edklad:<\/b> <span style=\"font-weight: 400;\">Keby v\u00e1m mala prepadn\u00fa\u0165 1 000-eurov\u00e1 letenka v plnej v\u00fd\u0161ke, tak by v\u00e1m pois\u0165ov\u0148a preplatila 900 eur a 100 eur by bola va\u0161a spolu\u00fa\u010das\u0165 na \u0161kode.<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">2.\u00a0<\/span><span style=\"font-weight: 400;\">Poistenie storno poplatkov b\u00fdva <strong>limitovan\u00e9 v\u00fd\u0161kou<\/strong>, do akej sa m\u00f4\u017eete poisti\u0165.\u00a0<\/span><\/p>\n<blockquote><p><b>Pr\u00edklad:<\/b><span style=\"font-weight: 400;\"> Ak pl\u00e1nujete s\u00a0celou rodinou exotick\u00fa mesa\u010dn\u00fa dovolenku za 10 tis\u00edc eur, nie ka\u017ed\u00e1 pois\u0165ov\u0148a v\u00e1s vie na t\u00fato sumu poisti\u0165.\u00a0<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">3. V\u00a0ka\u017edom pr\u00edpade je dobr\u00e9 ma\u0165 <strong>preh\u013ead o\u00a0viacer\u00fdch pois\u0165ovniach<\/strong> a ponuk\u00e1ch cestovn\u00e9ho poistenia, resp. poistenia storno poplatkov na trhu. Podmienky sa m\u00f4\u017eu v r\u00f4znych pois\u0165ovniach v\u00fdrazne l\u00ed\u0161i\u0165.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Nemus\u00edte to rie\u0161i\u0165 sami, spo\u013eahnite sa na n\u00e1s<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ak st\u00e1le v\u00e1hate a\u00a0neviete, ako sa pre podobn\u00e9 ne\u010dakan\u00e9 situ\u00e1cie pripoisti\u0165, obr\u00e1\u0165te na na\u0161ich FinGO.sk finan\u010dn\u00fdch sprostredkovate\u013eov. <\/span><b>Cestovn\u00e9 poistenie si m\u00f4\u017eete uzatvori\u0165 aj online<\/b> <a href=\"https:\/\/poistenie.fingo.sk\/cestovne-poistenie\"><span style=\"font-weight: 400;\">na str\u00e1nke <\/span><span style=\"font-weight: 400;\">www.fingo.sk<\/span><\/a><span style=\"font-weight: 400;\"> alebo n\u00e1m zanechajte <\/span><a href=\"https:\/\/www.fingo.sk\/financne-poradenstvo#mapa\"><span style=\"font-weight: 400;\">va\u0161e \u00fadaje<\/span><\/a><span style=\"font-weight: 400;\"> a\u00a0my sa v\u00e1m ozveme.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na\u0161i makl\u00e9ri v\u00e1m poradia aj v\u00a0in\u00fdch oblastiach ne\u017eivotn\u00e9ho poistenia, \u010di u\u017e ide o\u00a0PZP a\u00a0havarijn\u00e9 poistenie, alebo ak pr\u00e1ve rie\u0161ite hypot\u00e9ku a popri nej aj poistenie dom\u00e1cnosti a\u00a0nehnute\u013enosti. <strong>Pobo\u010dky FinGO.sk n\u00e1jdete na celom Slovensku.<\/strong> M\u00f4\u017eete n\u00e1m zavola\u0165 aj na call centrum na \u010d\u00edslo <strong>0800 60 10 60<\/strong>.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aktualizovan\u00e9 11.3.2020: T\u00e1to predstava v\u00e1s nepote\u0161\u00ed, ale m\u00f4\u017ee sa to sta\u0165 ka\u017ed\u00e9mu. K\u00fapite si dovolenku a\u00a0te\u0161\u00edte sa na \u0148u cel\u00e9 t\u00fd\u017edne alebo mesiace. Tesne pred odchodom v\u0161ak ne\u010dakane ochoriete, prepustia v\u00e1s v\u00a0pr\u00e1ci alebo v\u00a0krajine, kam sa chyst\u00e1te hroz\u00ed nebezpe\u010denstvo, a\u00a0tak mus\u00edte cestu zru\u0161i\u0165. Aby ste nepri\u0161li o\u00a0v\u0161etky peniaze za letenku, ubytovanie alebo \u010fal\u0161ie zaplaten\u00e9 slu\u017eby, m\u00f4\u017ee v\u00e1m \u010das\u0165 n\u00e1kladov uhradi\u0165 aj poistenie storna poplatkov. Je to tak aj\u00a0v pr\u00edpade koronav\u00edrusu, ktor\u00fd sa \u0161\u00edri svetom? \u010co je to vlastne poistenie storna Ak si zaplat\u00edte nejak\u00fa slu\u017ebu \u2013 \u010di u\u017e je to cel\u00e1 dovolenka, alebo samostatne zak\u00fapen\u00e1 letenka, l\u00edstok na vlak alebo ubytovanie v\u00a0hoteli, ale\u00a0kv\u00f4li\u00a0nepredv\u00eddan\u00fdm okolnostiam t\u00fato slu\u017ebu nebudete m\u00f4c\u0165 vyu\u017ei\u0165,\u00a0mus\u00edte za \u0148u aj tak zaplati\u0165 storno poplatok. V\u00e4\u010d\u0161inou je to pln\u00e1 suma za slu\u017ebu, niekedy to m\u00f4\u017ee by\u0165 len 50 % \u010di 80 % zo zaplatenej sumy. Ak by ste u\u017e pri objednan\u00ed tejto slu\u017eby uzatvorili aj poistenie storna, pois\u0165ov\u0148a by v\u00e1m tieto storno poplatky, alebo aspo\u0148 ich \u010das\u0165 preplatila.\u00a0 Pr\u00edklad: Pri letenke za 500 eur alebo 1000- \u010di 2000-eurovej dovolenke by bola \u0161koda, keby v\u00e1m peniaze prepadli, lebo v\u00e1m napr\u00edklad ochorie die\u0165a. V\u010faka poistke m\u00f4\u017eete zna\u010dn\u00fa \u010das\u0165 z nich dosta\u0165 nasp\u00e4\u0165. Pre va\u0161u predstavu, poistenie storna dovolenky v hodnote 1000 [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":1990,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[13,75],"tags":[100,148],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poistenie storna dovolenky: Pom\u00f4\u017ee aj pri obav\u00e1ch z koronav\u00edrusu? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Poistenie storna dovolenky v\u00e1m pom\u00f4\u017ee v pr\u00edpadoch, ak z nepredv\u00eddan\u00fdch d\u00f4vodov nem\u00f4\u017eete vycestova\u0165. Koronav\u00edrus v\u0161ak zatia\u013e nekryje.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/poistenie-storna\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poistenie storna dovolenky: Pom\u00f4\u017ee aj pri obav\u00e1ch z koronav\u00edrusu? - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Poistenie storna dovolenky v\u00e1m pom\u00f4\u017ee v pr\u00edpadoch, ak z nepredv\u00eddan\u00fdch d\u00f4vodov nem\u00f4\u017eete vycestova\u0165. Koronav\u00edrus v\u0161ak zatia\u013e nekryje.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/poistenie-storna\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2020-02-18T16:09:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-23T08:04:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/02\/poistenie-storna_2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1688\" \/>\n\t<meta property=\"og:image:height\" content=\"1184\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"\u013duboslava \u0160illerov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u013duboslava \u0160illerov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-storna\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-storna\/\"},\"author\":{\"name\":\"\u013duboslava \u0160illerov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/b5e90522323431c618d85b005b484d5d\"},\"headline\":\"Poistenie storna dovolenky: Pom\u00f4\u017ee aj pri obav\u00e1ch z koronav\u00edrusu?\",\"datePublished\":\"2020-02-18T16:09:33+00:00\",\"dateModified\":\"2024-05-23T08:04:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-storna\/\"},\"wordCount\":1432,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"Cestovn\u00e9 poistenie\",\"poistenie storna\"],\"articleSection\":[\"Cestovn\u00e9 poistenie\",\"Ne\u017eivotn\u00e9 poistenie\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/poistenie-storna\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/poistenie-storna\/\",\"name\":\"Poistenie storna dovolenky: Pom\u00f4\u017ee aj pri obav\u00e1ch z koronav\u00edrusu? - FinGO.sk\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\"},\"datePublished\":\"2020-02-18T16:09:33+00:00\",\"dateModified\":\"2024-05-23T08:04:52+00:00\",\"description\":\"Poistenie storna dovolenky v\u00e1m pom\u00f4\u017ee v pr\u00edpadoch, ak z nepredv\u00eddan\u00fdch d\u00f4vodov nem\u00f4\u017eete vycestova\u0165. 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