{"id":7341,"date":"2025-05-05T18:18:00","date_gmt":"2025-05-05T16:18:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=7341"},"modified":"2025-05-06T12:57:19","modified_gmt":"2025-05-06T10:57:19","slug":"ako-na-cestovne-poistenie-v-roku-202310-rad-pred-odchodom-na-dovolenku","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-na-cestovne-poistenie-v-roku-202310-rad-pred-odchodom-na-dovolenku\/","title":{"rendered":"Cestovn\u00e9 poistenie v roku 2025: 10 r\u00e1d pred odchodom na dovolenku"},"content":{"rendered":"\n<p><strong>Leto sa nezadr\u017eate\u013ene bl\u00ed\u017ei a spolu s n\u00edm aj \u010das dovoleniek. U\u017e aj vy pl\u00e1nujete, kde str\u00e1vite vo\u013en\u00e9 dni, h\u013ead\u00e1te v\u00fdhodn\u00e9 letenky, ide\u00e1lne ubytovanie a spo\u013eahliv\u00e9 cestovn\u00e9 poistenie? Prin\u00e1\u0161ame odpovede na naj\u010dastej\u0161ie ot\u00e1zky, ktor\u00e9 sa t\u00fdkaj\u00fa pr\u00e1ve v\u00fdberu cestovn\u00e9ho poistenia.<\/strong><\/p>\n\n\n\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n\n\n\n<ul>\n<li>Ako si vybra\u0165 v\u00fdhodn\u00e9 cestovn\u00e9 poistenie?<\/li>\n\n\n\n<li>M\u00e1 cestovn\u00e9 poistenie zmysel pri dovolenke na Slovensku?<\/li>\n\n\n\n<li>Ak\u00fd je rozdiel medzi eur\u00f3pskym preukazom a cestovn\u00fdm poisten\u00edm?<\/li>\n\n\n\n<li>Je mo\u017en\u00e9 vybavi\u0165 si cestovn\u00e9 poistenie <a href=\"https:\/\/www.fingo.sk\/poistenie\/cestovne-poistenie\">online?<\/a><\/li>\n\n\n\n<li>Ak\u00e9 s\u00fa v\u00fdhody a nev\u00fdhody celoro\u010dn\u00e9ho cestovn\u00e9ho poistenia?<\/li>\n<\/ul>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ed8224\"><strong>1. Sta\u010d\u00ed mi eur\u00f3psky preukaz zdravotn\u00e9ho poistenia alebo potrebujem aj cestovn\u00e9 poistenie?<\/strong><\/h2>\n\n\n\n<p>Dovolenk\u00e1ri, zvl\u00e1\u0161\u0165 ak sa chystaj\u00fa len do \u010ciech alebo do susedn\u00e9ho Ma\u010farska, na cestovn\u00e9 poistenie \u010dasto zab\u00fadaj\u00fa, pr\u00edpadne sa spoliehaj\u00fa na eur\u00f3psky preukaz zdravotn\u00e9ho poistenia. V\u00a0tomto pr\u00edpade ich v\u0161ak pr\u00edpadn\u00fd \u00faraz m\u00f4\u017ee st\u00e1\u0165 aj tis\u00edce eur. Porovnanie eur\u00f3pskeho preukazu a cestovn\u00e9ho poistenia hovor\u00ed jasne, ide\u00e1lna je kombin\u00e1cia oboch. <strong>Netreba riskova\u0165<\/strong> a spolieha\u0165 sa len na zdravotn\u00e9 poistenie.\u00a0<\/p>\n\n\n\n<p><a href=\"https:\/\/employment-social-affairs.ec.europa.eu\/policies-and-activities\/moving-working-europe\/eu-social-security-coordination\/european-health-insurance-card_sk\">Eur\u00f3psky zdravotn\u00fd preukaz <\/a>kryje len z\u00e1kladn\u00e9 o\u0161etrenia, medzi ktor\u00e9 patr\u00ed nevyhnutn\u00e9 o\u0161etrenie ak\u00fatnych stavov a opera\u010dn\u00e9 z\u00e1kroky, ktor\u00e9 vznikli pri chorobe \u010di \u00faraze. Za hospitaliz\u00e1ciu, zub\u00e1ra \u010di zak\u00fapen\u00e9 lieky si u\u017e musia dovolenk\u00e1ri plati\u0165 sami. <\/p>\n\n\n\n<p>Navy\u0161e, na z\u00e1klade eur\u00f3pskeho preukazu zdravotn\u00e9ho poistenia nemus\u00ed by\u0165 zdravotn\u00edckemu zariadeniu preplaten\u00e1 cel\u00e1 suma za o\u0161etrenie a rozdiel m\u00f4\u017ee po\u017eadova\u0165 priamo od pacienta \u2013 aj preto je vhodn\u00e9 ma\u0165 komer\u010dn\u00e9 cestovn\u00e9 poistenie. <\/p>\n\n\n\n<p>Jeho ve\u013ekou v\u00fdhodou s\u00fa aj asisten\u010dn\u00e9 slu\u017eby, ktor\u00e9 maj\u00fa klienti nepretr\u017eite k dispoz\u00edcii.\u00a0<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ed8224\"><strong>2. Ktor\u00fa pois\u0165ov\u0148u si m\u00e1m vybra\u0165?<\/strong><\/h2>\n\n\n\n<p>Pri v\u00fdbere cestovn\u00e9ho poistenia si v\u0161\u00edmajte hlavne to, \u010do dan\u00e9 poistenie obsahuje a zvo\u013ete si rozumn\u00fd pomer medzi cenou a \u0161\u00edrkou poistn\u00e9ho krytia. Ka\u017ed\u00e1 pois\u0165ov\u0148a m\u00e1 rozdiely v ponuke svojho cestovn\u00e9ho poistenia, \u010di u\u017e ide o <strong>cenu, \u00fazemn\u00fa platnos\u0165, limity krytia<\/strong>, ale rozdiely s\u00fa aj v tom, \u010do spad\u00e1 do poistenia a teda m\u00f4\u017ee by\u0165 poisten\u00edm kryt\u00e9 a \u010do u\u017e nie. Taktie\u017e m\u00f4\u017ee by\u0165 rozdiel aj <strong>v asisten\u010dn\u00fdch slu\u017eb\u00e1ch.<\/strong><\/p>\n\n\n\n<p>Dobrou pom\u00f4ckou pri v\u00fdbere najv\u00fdhodnej\u0161ieho poistenia s\u00fa <a href=\"https:\/\/www.fingo.sk\/poistenie\/cestovne-poistenie\" target=\"_blank\" rel=\"noreferrer noopener\">online kalkula\u010dky<\/a>, ktor\u00e9 v\u00e1m zadarmo porovnaj\u00fa aktu\u00e1lne ponuky pois\u0165ovn\u00ed.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/poistenie\/cestovne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=cestovne_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/06\/gif_cp.gif\" alt=\"\" class=\"wp-image-7679\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ed8224\"><strong>3. Je lep\u0161ie celoro\u010dn\u00e9 alebo jednorazov\u00e9 cestovn\u00e9 poistenie?<\/strong><\/h2>\n\n\n\n<p>Celoro\u010dn\u00e9 poistenie sa oplat\u00ed hlavne v&nbsp;pr\u00edpade, \u017ee cestujete do zahrani\u010dia <strong>viackr\u00e1t za rok.<\/strong> Plati\u0165 si ho kv\u00f4li jednej letnej dovolenke je zbyto\u010dn\u00e9. <\/p>\n\n\n\n<p>V\u00fdnimkou m\u00f4\u017ee by\u0165 dovolenka mimo Eur\u00f3py, kde b\u00fdva jednorazov\u00e9 poistenie drah\u0161ie. V&nbsp;tomto pr\u00edpade sa u\u017e oplat\u00ed porovna\u0165 si ho s&nbsp;celoro\u010dn\u00fdm poisten\u00edm pokr\u00fdvaj\u00facim cel\u00fd svet.&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ed8224\"><strong>4. Potrebujem poistenie aj pri dovolenke na Slovensku?<\/strong><\/h2>\n\n\n\n<p>Na Slovensku sa prim\u00e1rne vyu\u017e\u00edva <a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-do-hor\/\" target=\"_blank\" rel=\"noreferrer noopener\">poistenie do h\u00f4r<\/a>, ke\u010f\u017ee z\u00e1kladn\u00e1 zlo\u017eka cestovn\u00e9ho poistenia \u2013 \u00fahrada lie\u010debn\u00fdch n\u00e1kladov&nbsp;je u n\u00e1s rie\u0161en\u00e1 z n\u00e1\u0161ho zdravotn\u00e9ho poistenia. Pr\u00e1ve preto sa na Slovensku pois\u0165uje <strong>z\u00e1chrana horskej slu\u017eby<\/strong>, ktor\u00e1 v r\u00e1mci zdravotn\u00e9ho poistenia nie je kryt\u00e1, \u010di\u017ee by ste si museli z\u00e1sah z\u00e1chran\u00e1rov \u010di prevoz vrtu\u013en\u00edkom plati\u0165 sami z vlastn\u00e9ho vrecka. <\/p>\n\n\n\n<p>Ko\u013eko to stoj\u00ed? Za z\u00e1chrann\u00fa akciu bez pou\u017eitia vrtu\u013en\u00edka zaplat\u00edte stovky eur, pri prevoze vrtu\u013en\u00edkom u\u017e hovor\u00edme o tis\u00edcoch eur. Det\u00ed do 18 rokov sa povinnos\u0165 poistenia do h\u00f4r na Slovensku net\u00fdka, ke\u010f\u017ee ho maj\u00fa zahrnut\u00e9 v kryt\u00ed lie\u010debn\u00fdch n\u00e1kladov z verejn\u00e9ho zdravotn\u00e9ho poistenia. To ist\u00e9 plat\u00ed aj pre poistenie, ke\u010f ide die\u0165a do detsk\u00e9ho t\u00e1bora \u010di na ly\u017eiarsky v\u00fdcvik. <\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ed8224\"><strong>5. Ktor\u00e9 pripoistenia maj\u00fa pre m\u0148a zmysel?<\/strong><\/h2>\n\n\n\n<p>Naj\u010dastej\u0161ie sa vyu\u017e\u00edva pripoistenie bato\u017einy, \u00farazu, zodpovednosti a storna. Ale pois\u0165ovne u\u017e pon\u00fakaj\u00fa <strong>ove\u013ea viac pripoisten\u00ed<\/strong> ako napr\u00edklad technick\u00fa asistenciu vozidiel, pripoistenie opustenej dom\u00e1cnosti, chronick\u00fdch ochoren\u00ed, n\u00e1kladov na p\u00e1tranie, manu\u00e1lnej pr\u00e1ce \u010di \u0161portovej \u010dinnosti, ktor\u00e1 m\u00f4\u017ee by\u0165 aj rizikov\u00e1, \u010di\u017ee neb\u00fdva automaticky kryt\u00e1 v z\u00e1kladnom bal\u00edku poistenia.<\/p>\n\n\n\n<p>Pripoistenie si vyberte aj pod\u013ea toho, \u010do budete v&nbsp;zahrani\u010d\u00ed robi\u0165. Ak pl\u00e1nujete akt\u00edvnej\u0161iu, pr\u00edpadne vyslovene <strong>adrenal\u00ednov\u00fa dovolenku<\/strong>, ur\u010dite si pripoistite aj rizikov\u00e9 \u0161porty.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ed8224\"><strong>6. Na \u010do si mus\u00edm da\u0165 najv\u00e4\u010d\u0161\u00ed pozor pri uzatv\u00e1ran\u00ed poistenia?<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.fingo.sk\/kontakty\">Na uzatvorenie<\/a> cestovn\u00e9ho poistenia myslite aspo\u0148 p\u00e1r dn\u00ed vopred, aby ste sa vyhli situ\u00e1cii, \u017ee si ho dojedn\u00e1te a\u017e po odchode zo Slovenska. Vo v\u00e4\u010d\u0161ine pois\u0165ovn\u00ed je tak\u00e9to poistenie neplatn\u00e9, preto\u017ee zmluva mus\u00ed by\u0165 uzatvoren\u00e1 e\u0161te pred vycestovan\u00edm. Toto je obzvl\u00e1\u0161\u0165 d\u00f4le\u017eit\u00e9 pri poisten\u00ed storna (z\u00e1jazdu, letenky, ubytovania a pod.), preto\u017ee pri \u0148om plat\u00ed tzv. \u010dakacia lehota \u2013 ak by d\u00f4vod na zru\u0161enie cesty vznikol e\u0161te po\u010das tejto lehoty, pois\u0165ov\u0148a v\u00e1m \u0161kodu nepreplat\u00ed.<\/p>\n\n\n\n<p>Dajte si pozor na cestovanie na dovolenku <strong>automobilom, ktor\u00e9 nevlastn\u00edte.<\/strong> Ak v zahrani\u010d\u00ed d\u00f4jde k nehode, pois\u0165ov\u0148a v\u00e1m prostredn\u00edctvom asisten\u010dn\u00fdch slu\u017eieb pom\u00f4\u017ee vyrie\u0161i\u0165 vzniknut\u00fa situ\u00e1ciu. Len\u017ee n\u00e1sledne pri likvid\u00e1cii poistnej udalosti zist\u00ed, \u017ee ste poru\u0161ili podmienky zmluvy, ke\u010f\u017ee dr\u017eite\u013e vozidla nebol \u00fa\u010dastn\u00edkom poistnej zmluvy, a bude od v\u00e1s \u017eiada\u0165 \u00fahradu v\u0161etk\u00fdch vzniknut\u00fdch n\u00e1kladov.&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ed8224\"><strong>7. M\u00e1m si vybra\u0165 najlacnej\u0161ie cestovn\u00e9 poistenie?<\/strong><\/h2>\n\n\n\n<p>Tak ako v in\u00fdch finan\u010dn\u00fdch oblastiach, aj pri cestovnom poisten\u00ed chc\u00fa klienti \u0161etri\u0165, preto si \u010dasto zvolia najlacnej\u0161ie poistenie. Potom im v\u0161ak hroz\u00ed, \u017ee pri poistnej udalosti zistia, \u017ee si \u201elacn\u00fa\u201d poistku platili zbyto\u010dne, lebo mala <strong>obmedzen\u00fa<\/strong> \u00fazemn\u00fa platnos\u0165 alebo <strong>neobsahovala potrebn\u00e9 pripoistenia. <\/strong><\/p>\n\n\n\n<p>\u00daraz, strata bato\u017einy a dokladov \u010di autonehoda na dovolenke v&nbsp;zahrani\u010d\u00ed ich tak zbyto\u010dne m\u00f4\u017eu st\u00e1\u0165 tis\u00edce eur. Pritom si sta\u010dilo priplati\u0165 p\u00e1r eur a v\u00fdsledok by bol \u00faplne in\u00fd.&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ed8224\"><strong>8. Sta\u010d\u00ed sa poisti\u0165 cez internet?<\/strong><\/h2>\n\n\n\n<p>Cestovn\u00e9 poistenie sa v dne\u0161nej dobe uzatv\u00e1ra u\u017e <a href=\"https:\/\/www.fingo.sk\/poistenie\/cestovne-poistenie\" target=\"_blank\" rel=\"noreferrer noopener\">preva\u017ene online<\/a>, \u010di u\u017e priamo cez syst\u00e9m pois\u0165ovne alebo cez porovn\u00e1va\u010d finan\u010dn\u00e9ho sprostredkovate\u013ea. Ten v\u00e1m po vyklikan\u00ed po\u010dtu os\u00f4b, krajiny, d\u013a\u017eky pobytu a pripoisten\u00ed, o ktor\u00e9 m\u00e1te z\u00e1ujem, porovn\u00e1 <strong>ponuky viacer\u00fdch pois\u0165ovn\u00ed <\/strong>na trhu.<\/p>\n\n\n\n<p>Pri online porovn\u00e1va\u010doch za\u010d\u00edna poistenie plati\u0165 d\u00e1tumom, ktor\u00fd si sami zvol\u00edte, \u010di\u017ee je dohodnut\u00fd na zmluve. Netreba ale zab\u00fada\u0165 na to, \u017ee \u010fal\u0161ou podmienkou vzniku zmluvy je aj zaplatenie poistn\u00e9ho, tak\u017ee nezabudnite poistn\u00e9 zaplati\u0165 do vopred ur\u010den\u00e9ho d\u00e1tumu uveden\u00e9ho v zmluve e\u0161te predt\u00fdm, ako do zahrani\u010dia vycestujete.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ed8224\"><strong>9. M\u00f4\u017eem si poisti\u0165 storno dovolenky? Na \u010do je to dobr\u00e9?&nbsp;<\/strong><\/h2>\n\n\n\n<p>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 hoteli, ale kv\u00f4li nepredv\u00eddan\u00fdm okolnostiam t\u00fato slu\u017ebu <strong>nebudete m\u00f4c\u0165 vyu\u017ei\u0165, <\/strong>mus\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 si pri objednan\u00ed tejto slu\u017eby uzatvorili aj <a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-storna\/\" target=\"_blank\" rel=\"noreferrer noopener\">poistenie storna<\/a>, pois\u0165ov\u0148a by v\u00e1m tieto storno poplatky alebo aspo\u0148 ich \u010das\u0165 preplatila.<\/p>\n\n\n\n<p>Niektor\u00e9 pois\u0165ovne pon\u00fakaj\u00fa poistenie storna ako samostatn\u00fd produkt, inde ho n\u00e1jdete ako pripoistenie k cestovn\u00e9mu poisteniu.&nbsp;<\/p>\n\n\n\n<p><strong>TIP:<\/strong> Ide\u00e1lne je vybavi\u0165 si poistenie storna v ten ist\u00fd de\u0148, kedy ste si samotn\u00fd z\u00e1jazd alebo slu\u017ebu zak\u00fapili. Ak si najsk\u00f4r k\u00fapite pobyt \u010di dovolenku a a\u017e 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 postup vyhodnoti\u0165 ako \u0161pekulat\u00edvny a storno v\u00e1m u\u017e nepoist\u00ed.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ed8224\"><strong>10. M\u00e1m cestovn\u00e9 poistenie, ktor\u00e9 mi pon\u00fakli k&nbsp;platobnej karte alebo ako s\u00fa\u010das\u0165 pau\u0161\u00e1lu od mobiln\u00e9ho oper\u00e1tora. Budem dostato\u010dne chr\u00e1nen\u00fd?&nbsp;<\/strong><\/h2>\n\n\n\n<p>Ak m\u00e1te tak\u00e9to poistenie, ide nepochybne o&nbsp;jednoduch\u00e9 a&nbsp;pohodln\u00e9 rie\u0161enie. Odpor\u00fa\u010dam si v\u0161ak preveri\u0165, \u010do v\u0161etko toto poistenie kryje a&nbsp;v&nbsp;ak\u00fdch poistn\u00fdch limitoch. Pravdepodobne sa <strong>nevyrovn\u00e1 klasick\u00e9mu cestovn\u00e9mu poisteniu,<\/strong> nebude ma\u0165 dostato\u010dne \u0161irok\u00e9 krytie \u0161k\u00f4d a&nbsp;je ot\u00e1zne, \u010di v\u00e1m naozaj posta\u010d\u00ed ako ochrana pred ne\u010dakan\u00fdmi udalos\u0165ami na dovolenke.<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Ak si chcete vybra\u0165 najv\u00fdhodnej\u0161ie cestovn\u00e9 poistenie, pora\u010fte sa s na\u0161imi <a href=\"https:\/\/www.fingo.sk\/kontakty\"><strong>sprostredkovate\u013emi z FinGO.sk.<\/strong><\/a> <\/p>\n\n\n\n<p>Zavolajte n\u00e1m do FinGO.sk na\u00a0<a href=\"tel:0800601060\"><strong>0800 60 10 60<\/strong><\/a>\u00a0alebo n\u00e1m\u00a0<strong>zanechajte va\u0161e kontaktn\u00e9 \u00fadaje<\/strong> vo formul\u00e1ri ni\u017e\u0161ie a spoj\u00edme v\u00e1s so sk\u00fasen\u00fdm finan\u010dn\u00fdm makl\u00e9rom vo va\u0161om okol\u00ed.<\/p>\n\n\n\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/7341#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Leto sa nezadr\u017eate\u013ene bl\u00ed\u017ei a spolu s n\u00edm aj \u010das dovoleniek. U\u017e aj vy pl\u00e1nujete, kde str\u00e1vite vo\u013en\u00e9 dni, h\u013ead\u00e1te v\u00fdhodn\u00e9 letenky, ide\u00e1lne ubytovanie a spo\u013eahliv\u00e9 cestovn\u00e9 poistenie? Prin\u00e1\u0161ame odpovede na naj\u010dastej\u0161ie ot\u00e1zky, ktor\u00e9 sa t\u00fdkaj\u00fa pr\u00e1ve v\u00fdberu cestovn\u00e9ho poistenia. V \u010dl\u00e1nku sa do\u010d\u00edtate: 1. Sta\u010d\u00ed mi eur\u00f3psky preukaz zdravotn\u00e9ho poistenia alebo potrebujem aj cestovn\u00e9 poistenie? Dovolenk\u00e1ri, zvl\u00e1\u0161\u0165 ak sa chystaj\u00fa len do \u010ciech alebo do susedn\u00e9ho Ma\u010farska, na cestovn\u00e9 poistenie \u010dasto zab\u00fadaj\u00fa, pr\u00edpadne sa spoliehaj\u00fa na eur\u00f3psky preukaz zdravotn\u00e9ho poistenia. V\u00a0tomto pr\u00edpade ich v\u0161ak pr\u00edpadn\u00fd \u00faraz m\u00f4\u017ee st\u00e1\u0165 aj tis\u00edce eur. Porovnanie eur\u00f3pskeho preukazu a cestovn\u00e9ho poistenia hovor\u00ed jasne, ide\u00e1lna je kombin\u00e1cia oboch. Netreba riskova\u0165 a spolieha\u0165 sa len na zdravotn\u00e9 poistenie.\u00a0 Eur\u00f3psky zdravotn\u00fd preukaz kryje len z\u00e1kladn\u00e9 o\u0161etrenia, medzi ktor\u00e9 patr\u00ed nevyhnutn\u00e9 o\u0161etrenie ak\u00fatnych stavov a opera\u010dn\u00e9 z\u00e1kroky, ktor\u00e9 vznikli pri chorobe \u010di \u00faraze. Za hospitaliz\u00e1ciu, zub\u00e1ra \u010di zak\u00fapen\u00e9 lieky si u\u017e musia dovolenk\u00e1ri plati\u0165 sami. Navy\u0161e, na z\u00e1klade eur\u00f3pskeho preukazu zdravotn\u00e9ho poistenia nemus\u00ed by\u0165 zdravotn\u00edckemu zariadeniu preplaten\u00e1 cel\u00e1 suma za o\u0161etrenie a rozdiel m\u00f4\u017ee po\u017eadova\u0165 priamo od pacienta \u2013 aj preto je vhodn\u00e9 ma\u0165 komer\u010dn\u00e9 cestovn\u00e9 poistenie. Jeho ve\u013ekou v\u00fdhodou s\u00fa aj asisten\u010dn\u00e9 slu\u017eby, ktor\u00e9 maj\u00fa klienti nepretr\u017eite k dispoz\u00edcii.\u00a0 2. Ktor\u00fa pois\u0165ov\u0148u si m\u00e1m vybra\u0165? Pri [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":7349,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[13,7],"tags":[100],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cestovn\u00e9 poistenie v roku 2025<\/title>\n<meta name=\"description\" content=\"H\u013ead\u00e1te spo\u013eahliv\u00e9 cestovn\u00e9 poistenie? 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Odpoved\u00e1me na naj\u010dastej\u0161ie ot\u00e1zky, ktor\u00e9 v\u00e1m pom\u00f4\u017eu s jeho spr\u00e1vnym v\u00fdberom.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/ako-na-cestovne-poistenie-v-roku-202310-rad-pred-odchodom-na-dovolenku\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-05T16:18:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-06T10:57:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/05\/Cestovne-poistenie-2023.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"791\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Juliana Arvaiov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Juliana Arvaiov\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\/ako-na-cestovne-poistenie-v-roku-202310-rad-pred-odchodom-na-dovolenku\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-na-cestovne-poistenie-v-roku-202310-rad-pred-odchodom-na-dovolenku\/\"},\"author\":{\"name\":\"Juliana Arvaiov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/6cd0d5bd48b1be52f3486f039fd1ebdf\"},\"headline\":\"Cestovn\u00e9 poistenie v roku 2025: 10 r\u00e1d pred odchodom na dovolenku\",\"datePublished\":\"2025-05-05T16:18:00+00:00\",\"dateModified\":\"2025-05-06T10:57:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-na-cestovne-poistenie-v-roku-202310-rad-pred-odchodom-na-dovolenku\/\"},\"wordCount\":1573,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"Cestovn\u00e9 poistenie\"],\"articleSection\":[\"Cestovn\u00e9 poistenie\",\"Fingo rad\u00ed\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/ako-na-cestovne-poistenie-v-roku-202310-rad-pred-odchodom-na-dovolenku\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/ako-na-cestovne-poistenie-v-roku-202310-rad-pred-odchodom-na-dovolenku\/\",\"name\":\"Cestovn\u00e9 poistenie v roku 2025\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\"},\"datePublished\":\"2025-05-05T16:18:00+00:00\",\"dateModified\":\"2025-05-06T10:57:19+00:00\",\"description\":\"H\u013ead\u00e1te spo\u013eahliv\u00e9 cestovn\u00e9 poistenie? 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