{"id":264,"date":"2018-06-26T10:12:26","date_gmt":"2018-06-26T08:12:26","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=264"},"modified":"2023-07-12T17:02:43","modified_gmt":"2023-07-12T15:02:43","slug":"cestujete-na-dovolenku-lietadlom-zbalte-si-dobru-poistku","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/cestujete-na-dovolenku-lietadlom-zbalte-si-dobru-poistku\/","title":{"rendered":"Cestujete na dovolenku lietadlom? Zba\u013ete si dobr\u00fa poistku"},"content":{"rendered":"

Na internete n\u00e1jdete mno\u017estvo r\u00e1d, tipov a trikov, \u010do si zbali\u0165 na dovolenku lietadlom. Ale takmer nikde nen\u00e1jdete, \u010do m\u00e1te ma\u0165 \u201czbalen\u00e9\u201d v poistke, aby sa va\u0161a cesta lietadlom, \u010di u\u017e za pr\u00e1cou alebo na dovolenku, nezmenila na no\u010dn\u00fa moru.<\/b><\/p>\n

Cestovn\u00e9 poistenie<\/b><\/a> v\u00e1m vie pom\u00f4c\u0165 nielen v pr\u00edpade zdravotn\u00fdch probl\u00e9mov alebo \u00farazu v zahrani\u010d\u00ed, ale aj v pr\u00edpade k<\/span>omplik\u00e1ci\u00ed pri preprave lietadlom, probl\u00e9moch s bato\u017einou, <\/b>\u010di pri<\/span> kr\u00e1de\u017ei alebo strate osobn\u00fdch dokladov.<\/b><\/p>\n

FinGO.sk<\/a> rad\u00ed: Ak cestujete \u010dasto lietadlom, v\u00e4\u010d\u0161ina produktov cestovn\u00e9ho poistenia nie je pre v\u00e1s ur\u010den\u00e1 a v pr\u00edpade probl\u00e9mov spojen\u00fdch s leteckou dopravou v\u00e1m v\u00f4bec nepom\u00f4\u017ee. Naj\u010dastej\u0161ie ide o najvy\u0161\u0161ie bal\u00edky cestovn\u00e9ho poistenia, ktor\u00e9 kryj\u00fa rizik\u00e1 spojen\u00e9 s leteck\u00fdmi slu\u017eobn\u00fdmi cestami alebo dovolenkami. Venujte preto pozornos\u0165, \u010di s\u00fa v cestovnom poisten\u00ed kryt\u00e9 aj nasledovn\u00e9 rizik\u00e1:<\/b><\/p><\/blockquote>\n

<\/h2>\n

Poistenie osobn\u00fdch dokladov<\/b><\/h2>\n

Schengensk\u00fd priestor n\u00e1m umo\u017e\u0148uje, v r\u00e1mci dan\u00e9ho terit\u00f3ria, cestova\u0165 iba s ob\u010dianskym preukazom. Dokonca aj bez neho. Na bratislavskom letisku sa v\u00e1m to zrejme nestane. Ale ak cestujete z letiska Schwechat – Viede\u0148, m\u00f4\u017ee sa v\u00e1m \u013eahko sta\u0165, \u017ee od v\u00e1s nikto \u017eiadny doklad toto\u017enosti p\u00fdta\u0165 nebude. O to hor\u0161ie je zisti\u0165, napr\u00edklad v \u0160panielsku, \u017ee ste nechali ob\u010diansky preukaz doma na stole. Pr\u00e1ve pre tak\u00e9to pr\u00edpady sl\u00fa\u017ei tento typ poistenia. Rovnako v\u00e1m pom\u00f4\u017ee aj v pr\u00edpade straty alebo kr\u00e1de\u017ee osobn\u00fdch dokladov. \u00a0<\/span><\/p>\n

\"\"<\/a><\/p>\n

Z tohto poistenia sa v\u00e1m <\/span>uhradia n\u00e1klady na vydanie n\u00e1hradn\u00e9ho dokladu<\/b>, ako aj <\/span>cestovn\u00e9 n\u00e1klady<\/b> \u010di dokonca <\/span>ubytovanie<\/b> v pr\u00edpade dlh\u0161ieho cestovania na konzul\u00e1rny \u00farad v cudzine.<\/span><\/p>\n

FinGO.sk<\/a> rad\u00ed: Odpor\u00fa\u010dame nosi\u0165 so sebou na dvoch miestach oddelene ob\u010diansky preukaz a pr\u00edpadne pas. A to aj vtedy, ak cestujete iba v r\u00e1mci Schengensk\u00e9ho priestoru. V pr\u00edpade straty alebo kr\u00e1de\u017ee ob\u010dianskeho preukazu sa vr\u00e1tite sp\u00e4\u0165 do vlasti na z\u00e1klade pasu. Rovnako odpor\u00fa\u010dame ma\u0165 so sebou fotok\u00f3piu ob\u010dianskeho preukazu alebo pasu. V pr\u00edpade nutnosti vydania n\u00e1hradn\u00e9ho dokladu, fotok\u00f3pia dokladu preuk\u00e1\u017ee na konzul\u00e1rnom \u00farade va\u0161u toto\u017enos\u0165. T\u00fdm u\u0161etr\u00edte nieko\u013eko hod\u00edn, pr\u00edpadne a\u017e de\u0148, s overovan\u00edm va\u0161ej toto\u017enosti.<\/b><\/p><\/blockquote>\n

<\/h2>\n

Me\u0161kanie bato\u017einy<\/b><\/h2>\n

Me\u0161kaj\u00faca bato\u017eina v\u00e1m m\u00f4\u017ee \u017eivot poriadne znepr\u00edjemni\u0165. Najsk\u00f4r prich\u00e1dza panika, ke\u010f sa na letisku na p\u00e1se neobjav\u00ed v\u00e1\u0161 kufor. N\u00e1sledne si mus\u00edte zak\u00fapi\u0165 v\u0161etky nevyhnutn\u00e9 veci a dorie\u0161i\u0165 finan\u010dn\u00e9 od\u0161kodnenie s pois\u0165ov\u0148ou alebo leteckou spolo\u010dnos\u0165ou.<\/span><\/p>\n

Nedodanie bato\u017einy leteckou spolo\u010dnos\u0165ou reklamujte priamo na letisku e\u0161te pred opusten\u00edm coln\u00e9ho priestoru.<\/b> Sp\u00ed\u0161ete \u00a0z\u00e1znam o nedodan\u00ed bato\u017einy, ud\u00e1te adresu hotela alebo miesta, kam v\u00e1m maj\u00fa bato\u017einu dopravi\u0165 v danej krajine. \u00a0V\u00e4\u010d\u0161inou priamo na letisku v\u00e1m povedia, kde sa va\u0161a bato\u017eina nach\u00e1dza a kedy ju dostanete. <\/span>Kompenz\u00e1cia u v\u00e4\u010d\u0161iny leteck\u00fdch spolo\u010dnost\u00ed za\u010d\u00edna prakticky okam\u017eite. <\/b><\/p>\n

V\u00fd\u0161ka od\u0161kodn\u00e9ho je odli\u0161n\u00e1 u ka\u017edej leteckej spolo\u010dnosti a z\u00e1vis\u00ed aj od typu letenky. Napr\u00edklad Swiss Air zverej\u0148uje limit pre Economy letenku 100 USD, pre Business 200 USD a pre FIRST class letenku 300 USD od\u0161kodn\u00e9. V\u00e4\u010d\u0161ina leteck\u00fdch spolo\u010dnost\u00ed v\u0161ak v\u00fd\u0161ku od\u0161kodn\u00e9ho nezverej\u0148uje. \u00a0D\u00e1vajte si pozor pri cestovan\u00ed s low costov\u00fdmi leteck\u00fdmi spolo\u010dnos\u0165ami. Ich limity od\u0161kodnenia m\u00f4\u017eu by\u0165 ove\u013ea ni\u017e\u0161ie. V t\u00fdchto pr\u00edpadoch m\u00f4\u017ee by\u0165 zauj\u00edmavej\u0161\u00ed limit v cestovnom poisten\u00ed.<\/span><\/p>\n

Limity v cestovnom poisten\u00ed b\u00fdvaj\u00fa obvykle 150 a\u017e 300 eur, pri\u010dom pois\u0165ovne maj\u00fa v\u00e4\u010d\u0161inou nastaven\u00e9 r\u00f4zne limity pre r\u00f4zne d\u013a\u017eky me\u0161kania. \u010c\u00edm krat\u0161ie me\u0161kanie, t\u00fdm je suma ni\u017e\u0161ia – do 6 hod\u00edn len 50 \u20ac, do 12 hod\u00edn 100 \u20ac a pod. V krat\u0161\u00edch intervaloch sa teda oplat\u00ed \u017eiada\u0165 refund\u00e1ciu priamo od leteckej spolo\u010dnosti. <\/span><\/p>\n

Leteck\u00e1 spolo\u010dnos\u0165 zvy\u010dajne ako prv\u00fa mo\u017enos\u0165 odpor\u00fa\u010da cestuj\u00facim obr\u00e1ti\u0165 sa pri me\u0161kan\u00ed bato\u017einy na pois\u0165ov\u0148u. D\u00f4vod je logick\u00fd, u\u0161etr\u00ed. My naopak odpor\u00fa\u010dame obr\u00e1ti\u0165 sa v prvom rade na leteck\u00fa spolo\u010dnos\u0165. U\u017e len preto, \u017ee tam nie je \u017eiadna finan\u010dn\u00e1 ani \u010dasov\u00e1 spolu\u00fa\u010das\u0165. Navy\u0161e leteck\u00e9 spolo\u010dnosti nie s\u00fa tak striktn\u00e9 pri posudzovan\u00ed vec\u00ed, ktor\u00e9 si m\u00f4\u017eete alebo nem\u00f4\u017eete k\u00fapi\u0165. (Zo sk\u00fasenost\u00ed preplatili aj make-up alebo f\u013ea\u0161u vodky.)<\/span><\/p>\n

FinGO.sk<\/a> rad\u00ed: Plavky a hygienick\u00e9 potreby si zba\u013ete aj do pr\u00edru\u010dnej bato\u017einy. M\u00e1te potom v\u00e4\u010d\u0161\u00ed limit na k\u00fapu nie\u010doho in\u00e9ho. D\u00e1tum a \u010das na \u00fa\u010dtoch za n\u00e1kup n\u00e1hradn\u00fdch vec\u00ed mus\u00ed by\u0165 medzi \u010dasom, kedy bato\u017eina mala by\u0165 dodan\u00e1 a\u017e do okamihu dodania bato\u017einy, najnesk\u00f4r do 48 hod\u00edn od prist\u00e1tia.<\/b><\/p><\/blockquote>\n

<\/h2>\n

Strata alebo zni\u010denie bato\u017einy<\/b><\/h2>\n

Me\u0161kaj\u00faca bato\u017eina je s\u00edce nepr\u00edjemnos\u0165, zvy\u010dajne sa v\u0161ak do nieko\u013ek\u00fdch hod\u00edn vyrie\u0161i. Strata alebo kr\u00e1de\u017e bato\u017einy v\u0161ak m\u00f4\u017eu \u017eivot poriadne skomplikova\u0165. <\/span><\/p>\n

Ak v\u00e1m strat\u00ed bato\u017einu leteck\u00e1 spolo\u010dnos\u0165, m\u00f4\u017eete z\u00edska\u0165 n\u00e1hradu a\u017e 1300 eur. Ide o dvojn\u00e1sobne vy\u0161\u0161\u00ed limit ako m\u00e1 be\u017en\u00e9 cestovn\u00e9 poistenie. <\/b>Vyzdvihnut\u00edm bato\u017einy po pr\u00edlete v\u0161ak t\u00e1to zodpovednos\u0165 prepravcu za bato\u017einu \u00a0kon\u010d\u00ed. <\/span><\/p>\n

V pr\u00edpade, ak v\u00e1m bato\u017einu strat\u00ed leteck\u00e1 spolo\u010dnos\u0165, odpor\u00fa\u010dame sa obr\u00e1ti\u0165 so \u017eiados\u0165ou o n\u00e1hradu na \u0148u. V\u00fdhodou je mo\u017enos\u0165 preplatenia notebookov, optick\u00fdch pr\u00edstrojov a in\u00fdch zariaden\u00ed, ktor\u00e9 m\u00e1 v\u00e4\u010d\u0161inou cestovn\u00e9 poistenie vo v\u00fdluk\u00e1ch.<\/span><\/p>\n

Ak si vyzdvihnete na letisku bato\u017einu, ktor\u00e1 je zjavne po\u0161koden\u00e1, okam\u017eite to reklamujte priamo na letisku pri st\u00e1nku zast\u00fapenia leteckej spolo\u010dnosti. Pod\u013ea typu po\u0161kodenia sa s vami dohodn\u00fa na oprave, alebo v\u00e1m kuri\u00e9r doru\u010d\u00ed domov nov\u00fd kufor podobnej kvality, ve\u013ekosti a zna\u010dky.<\/span><\/p>\n

Samotn\u00e9 <\/span>poistenie bato\u017einy <\/b>sa vz\u0165ahuje na <\/span>po\u0161kodenie alebo zni\u010denie osobn\u00fdch vec\u00ed be\u017enej potreby <\/b>rizikami ako s\u00fa po\u017eiar, \u017eivel, dopravn\u00e1 nehoda alebo kr\u00e1de\u017e. Treba si da\u0165 pozor, preto\u017ee v\u00e4\u010d\u0161inou s\u00fa vo v\u00fdluk\u00e1ch spom\u00ednan\u00e9 fotoapar\u00e1ty, videokamery, notebooky, tablety, telef\u00f3ny a pod., teda veci, ktor\u00e9 si be\u017ene berieme so sebou na dovolenku. <\/span><\/p>\n

Venujte tie\u017e pozornos\u0165 limitom cestovn\u00e9ho poistenia. V\u00e4\u010d\u0161inou je poistn\u00e1 suma pribli\u017ene 700 eur, pri\u010dom na jednu vec maxim\u00e1lne 350 eur. V pr\u00edpade, ak d\u00f4jde ku kr\u00e1de\u017ei bato\u017einy z motorov\u00e9ho vozidla, b\u00fdva limit rovnako 350 eur. <\/span><\/p>\n

FinGO.sk<\/a> rad\u00ed: V pr\u00edpade ak\u00e9hoko\u013evek probl\u00e9mu s bato\u017einou kontaktujte v\u017edy asisten\u010dn\u00fa slu\u017ebu v\u00e1\u0161ho cestovn\u00e9ho poistenia. A to aj vtedy, ak si budete uplat\u0148ova\u0165 \u0161kodu u leteckej spolo\u010dnosti alebo u prepravcu. Ak by ste nekontaktovali asisten\u010dn\u00fa slu\u017ebu, m\u00f4\u017ee to by\u0165 d\u00f4vod na zamietnutie alebo kr\u00e1tenie poistn\u00e9ho plnenia, hoci pr\u00e1vny poh\u013ead na tak\u00e9to zamietnutie je r\u00f4zny.<\/b><\/p><\/blockquote>\n

\"\"<\/p>\n

P\u00e1\u010dil sa v\u00e1m tento \u010dl\u00e1nok? Sledujte n\u00e1s aj na facebooku<\/a>. Na\u0161i odborn\u00edci v\u00e1m pravidelne prin\u00e1\u0161aj\u00fa zauj\u00edmav\u00e9 inform\u00e1cie, t\u00e9my a novinky z oblasti financi\u00ed. Pridajte sa k na\u0161im fan\u00fa\u0161ikom a z\u00edskajte u\u017eito\u010dn\u00e9 inform\u00e1cie z prvej ruky.<\/p>\n","protected":false},"excerpt":{"rendered":"

Na internete n\u00e1jdete mno\u017estvo r\u00e1d, tipov a trikov, \u010do si zbali\u0165 na dovolenku lietadlom. Ale takmer nikde nen\u00e1jdete, \u010do m\u00e1te ma\u0165 \u201czbalen\u00e9\u201d v poistke, aby sa va\u0161a cesta lietadlom, \u010di u\u017e za pr\u00e1cou alebo na dovolenku, nezmenila na no\u010dn\u00fa moru.<\/p>\n","protected":false},"author":14,"featured_media":265,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[13,7],"tags":[72,68,67,70],"yoast_head":"\nCestujete na dovolenku lietadlom? Zba\u013ete si dobr\u00fa poistku - FinGO.sk<\/title>\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\/cestujete-na-dovolenku-lietadlom-zbalte-si-dobru-poistku\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cestujete na dovolenku lietadlom? Zba\u013ete si dobr\u00fa poistku - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Na internete n\u00e1jdete mno\u017estvo r\u00e1d, tipov a trikov, \u010do si zbali\u0165 na dovolenku lietadlom. Ale takmer nikde nen\u00e1jdete, \u010do m\u00e1te ma\u0165 \u201czbalen\u00e9\u201d v poistke, aby sa va\u0161a cesta lietadlom, \u010di u\u017e za pr\u00e1cou alebo na dovolenku, nezmenila na no\u010dn\u00fa moru.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/cestujete-na-dovolenku-lietadlom-zbalte-si-dobru-poistku\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2018-06-26T08:12:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-12T15:02:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/shutterstock_508062853.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"668\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marcel L\u0151rinc\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marcel L\u0151rinc\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 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\/cestujete-na-dovolenku-lietadlom-zbalte-si-dobru-poistku\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/cestujete-na-dovolenku-lietadlom-zbalte-si-dobru-poistku\/\"},\"author\":{\"name\":\"Marcel L\u0151rinc\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/ad7c3a01ade93f4d428a02905740214e\"},\"headline\":\"Cestujete na dovolenku lietadlom? 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