{"id":8432,"date":"2023-12-14T21:57:27","date_gmt":"2023-12-14T20:57:27","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=8432"},"modified":"2023-12-18T06:33:11","modified_gmt":"2023-12-18T05:33:11","slug":"kolko-stoji-poistenie-na-lyzovacku-5-rad-o-zimnych-sportoch","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/kolko-stoji-poistenie-na-lyzovacku-5-rad-o-zimnych-sportoch\/","title":{"rendered":"Ko\u013eko stoj\u00ed poistenie na ly\u017eova\u010dku? 5 r\u00e1d o zimn\u00fdch \u0161portoch"},"content":{"rendered":"\n<p><strong><b>Po\u010dasie u\u017e praje aj zimn\u00fdm radov\u00e1nkam na snehu, ktor\u00e9 si u\u017e\u00edvaj\u00fa deti i dospel\u00ed. Ly\u017eova\u010dka nie je lacn\u00e1 z\u00e1le\u017eitos\u0165, no v pr\u00edpade v\u00e1\u017eneho zranenia \u010di zr\u00e1\u017eky s in\u00fdm ly\u017eiarom sa m\u00f4\u017ee predra\u017ei\u0165 e\u0161te viac. Sk\u00f4r ne\u017e vyraz\u00edte do zahrani\u010dn\u00fdch stred\u00edsk, uzavrite si vhodn\u00e9 poistenie. Aj na Slovensku sa v\u00e1m z\u00edde, napr\u00edklad pri zimnej turistike alebo skialpe<\/b>. Viete, ako si ho nakombinova\u0165 a ko\u013eko stoj\u00ed?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-riskova-sa-neoplat-kody-m-u-dosahova-aj-tis-cky-eur\">Riskova\u0165 sa neoplat\u00ed, \u0161kody m\u00f4\u017eu dosahova\u0165 aj tis\u00edcky eur<\/a><\/li><li class=\"\"><a href=\"#htoc-o-v-etko-sa-st-va-na-svahu\">\u010co v\u0161etko sa st\u00e1va na svahu<\/a><\/li><li class=\"\"><a href=\"#htoc-ko-ko-stoj-poistenie-v-r-mci-eur-py-jednotlivca-i-4-lenn-rodinu\">Ko\u013eko stoj\u00ed poistenie v r\u00e1mci Eur\u00f3py jednotlivca \u010di 4-\u010dlenn\u00fa rodinu<\/a><\/li><li class=\"\"><a href=\"#htoc-pozor-na-rizikov-aktivity-ako-je-skialpinizmus-i-jazda-na-sk-tri\">Pozor na rizikov\u00e9 aktivity ako je skialpinizmus \u010di jazda na sk\u00fatri<\/a><\/li><li class=\"\"><a href=\"#htoc-zimn-turistika-a-rizikovej-ie-porty-na-slovensku\">Zimn\u00e1 turistika a rizikovej\u0161ie \u0161porty na Slovensku<\/a><\/li><li class=\"\"><a href=\"#htoc-kedy-sa-viac-oplat-celoro-n-poistenie\">Kedy sa viac oplat\u00ed celoro\u010dn\u00e9 poistenie<\/a><\/li><li class=\"\"><a href=\"#htoc-5-r-d-ako-sa-poisti-na-ly-ova-ku\">5 r\u00e1d, ako sa poisti\u0165 na ly\u017eova\u010dku&nbsp;<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p>Slov\u00e1ci \u010doraz \u010dastej\u0161ie v zime vyr\u00e1\u017eaj\u00fa na dovolenku alebo pred\u013a\u017een\u00fd v\u00edkend do zahrani\u010dia. Ve\u013eakr\u00e1t tam n\u00e1jdu omnoho lep\u0161ie ly\u017eiarske podmienky, pri\u010dom ceny skipasov s\u00fa len o nie\u010do vy\u0161\u0161ie alebo aj porovnate\u013en\u00e9 so Slovenskom. Napr\u00edklad v stredisku Stuhleck v rak\u00faskom Semmeringu, ktor\u00e9 je ve\u013emi popul\u00e1rne aj medzi na\u0161incami, denn\u00fd skipas stoj\u00ed to\u013eko, \u010do v Jasnej.<\/p>\n\n\n\n<p>Mnoho nad\u0161encov ly\u017eovania, ale aj zimnej turistiky, vyr\u00e1\u017ea aj do Talianska, \u0160vaj\u010diarska \u010di Franc\u00fazska, niektor\u00ed si odsko\u010dia hoci aj na oto\u010dku do Po\u013eska.<\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-riskova-sa-neoplat-kody-m-u-dosahova-aj-tis-cky-eur\" style=\"color:#ec8124\"><strong>Riskova\u0165 sa neoplat\u00ed, \u0161kody m\u00f4\u017eu dosahova\u0165 aj tis\u00edcky eur<\/strong><\/h2>\n\n\n\n<p>Ak patr\u00edte k nad\u0161encom zimn\u00fdch \u0161portov, \u010di u\u017e m\u00e1te radi zjazdov\u00e9 ly\u017eovanie, be\u017ekujete alebo snowboardujete, na jednu skuto\u010dnos\u0165 si dajte pozor. A to bez oh\u013eadu na to, \u010di ste za\u010diato\u010dn\u00edci alebo patr\u00edte k t\u00fdm sk\u00fasenej\u0161\u00edm. K\u00fdm na Slovensku v\u00e1m pri \u00faraze na zjazdovke posta\u010d\u00ed verejn\u00e9 zdravotn\u00e9 poistenie, v cudzine je to inak. <\/p>\n\n\n\n<p>Pri ly\u017eova\u010dke v Rak\u00fasku, Taliansku, ale aj v \u010cesku \u010di Po\u013esku sa teda nespoliehajte iba na Eur\u00f3psky preukaz zdravotn\u00e9ho poistenia, ktor\u00fd m\u00e1te od va\u0161ej zdravotnej pois\u0165ovne. S n\u00edm bezplatne z\u00edskate len zdravotn\u00fa starostlivos\u0165 v rozsahu, ktor\u00fd je \u0161tandardom pre dan\u00fa krajinu. Kryje nevyhnutn\u00e9 o\u0161etrenie alebo opera\u010dn\u00e9 z\u00e1kroky pri ak\u00fatnych stavoch vo verejn\u00fdch zdravotn\u00edckych zariadeniach, ale starostlivos\u0165 v s\u00fakromn\u00fdch zariadeniach si budete plati\u0165 z vlastn\u00e9ho vrecka. Takisto hospitaliz\u00e1ciu \u010di zak\u00fapen\u00e9 lieky v lek\u00e1rni. Ak by bol potrebn\u00fd z\u00e1sah leteckej z\u00e1chrannej slu\u017eby, aj ten v\u00e1s m\u00f4\u017ee vyjs\u0165 poriadne draho.<\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-o-v-etko-sa-st-va-na-svahu\" style=\"color:#ec8124\"><strong>\u010co v\u0161etko sa st\u00e1va na svahu<\/strong><\/h2>\n\n\n\n<p>Pois\u0165ovne poznaj\u00fa situ\u00e1cie, ke\u010f si ly\u017eiar v cudzine po zr\u00e1\u017eke na svahu zlomil oba \u010dlenky, museli ho operova\u0165 a pois\u0165ov\u0148a mu vyplatila takmer 10-tis\u00edc eur. V inom pr\u00edpade sa poisten\u00e9mu ly\u017eiarovi zachytila ly\u017ea vo chv\u00edli, ke\u010f vystupoval z lanovky. Skon\u010dilo to otrasom mozgu aj zlomen\u00fdmi rebrami. Od pois\u0165ovne dostal 7-tis\u00edc eur.<\/p>\n\n\n\n<p>Preto je d\u00f4le\u017eit\u00e9 pred vycestovan\u00edm do cudziny uzavrie\u0165 si poistenie. Ka\u017ed\u00e9 <a href=\"https:\/\/www.fingo.sk\/poistenie\/cestovne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=cestovne_gif\">cestovn\u00e9 poistenie<\/a> automaticky kryje aj be\u017en\u00e9 rekrea\u010dn\u00e9 \u0161porty. Z\u00e1kladn\u00fd bal\u00edk by mal obsahova\u0165 nielen poistenie lie\u010debn\u00fdch n\u00e1kladov, ale aj asistenciu a zodpovednos\u0165 za \u0161kodu. Na svahu sa m\u00f4\u017eete zrani\u0165, ale aj nechtiac ubl\u00ed\u017ei\u0165 in\u00fdm. Z poistenia zodpovednosti pois\u0165ov\u0148a uhrad\u00ed aj \u0161kody, ktor\u00e9 sp\u00f4sob\u00edte tret\u00edm stran\u00e1m.<\/p>\n\n\n\n<p>Ak napr\u00edklad zraz\u00edte ly\u017eiara na rak\u00faskej zjazdovke, m\u00f4\u017ee si od v\u00e1s vym\u00e1ha\u0165 n\u00e1klady na prevoz do nemocnice, o\u0161etrenie a lieky, ale aj o v\u00fddavky na rekonvalescenciu, n\u00e1hradu pr\u00edjmu \u010di zni\u010den\u00e9 ly\u017eiarske vybavenie.&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-ko-ko-stoj-poistenie-v-r-mci-eur-py-jednotlivca-i-4-lenn-rodinu\" style=\"color:#ec8124\"><strong>Ko\u013eko stoj\u00ed poistenie v r\u00e1mci Eur\u00f3py jednotlivca \u010di 4-\u010dlenn\u00fa rodinu<\/strong><\/h2>\n\n\n\n<p>Riskova\u0165 sa teda neoplat\u00ed a poistenie pe\u0148a\u017eenku nezabol\u00ed a\u017e tak ve\u013ea.&nbsp;Za z\u00e1kladn\u00fd bal\u00edk poistenia v r\u00e1mci Eur\u00f3py, ktor\u00fd by obsahoval lie\u010debn\u00e9 n\u00e1klady, zodpovednos\u0165 za \u0161kodu a asisten\u010dn\u00e9 slu\u017eby, zaplat\u00edte od 1,15 eura do 2 eur za de\u0148. Pri 7-d\u0148ovej ly\u017eova\u010dke v\u00e1s bude st\u00e1\u0165 zhruba od 8 eur do 12 eur. Ak sa na ly\u017eova\u010dku vyberie va\u0161a 4-\u010dlenn\u00e1 rodina s dvoma de\u0165mi, poistenie v\u00e1s m\u00f4\u017ee st\u00e1\u0165 od 3 do 6 eur za de\u0148 a pri 7-d\u0148ovej ly\u017eova\u010dke zaplat\u00edte najmenej 23 eur.&nbsp;<\/p>\n\n\n\n<p>\u010co sa t\u00fdka poistn\u00e9ho krytia, je na v\u00e1s, na ak\u00e9 situ\u00e1cie chcete by\u0165 chr\u00e1nen\u00fd. <\/p>\n\n\n\n<ul>\n<li>Z\u00e1kladn\u00fd bal\u00edk poistenia m\u00f4\u017ee obsahova\u0165 lie\u010debn\u00e9 n\u00e1klady, zodpovednos\u0165 za \u0161kodu a asistenciu. <\/li>\n\n\n\n<li>Roz\u0161\u00edren\u00fd bal\u00edk v\u00e1m m\u00f4\u017ee pokry\u0165 aj in\u00e9 ne\u010dakan\u00e9 \u0161kody, ktor\u00e9 sa m\u00f4\u017eu prihodi\u0165.<\/li>\n\n\n\n<li>M\u00f4\u017eete si pripoisti\u0165 napr\u00edklad storno zimnej dovolenky \u010di pr\u00e1vne slu\u017eby, \u013eudia si be\u017ene pripois\u0165uj\u00fa stratu a kr\u00e1de\u017e bato\u017einy alebo \u00farazy, ktor\u00e9 im m\u00f4\u017eu pokry\u0165 napr\u00edklad trval\u00e9 n\u00e1sledky \u00farazov, ak by si pri p\u00e1de po\u0161kodili chrbticu a podobne.&nbsp;<\/li>\n<\/ul>\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<p>\u00darazy sa \u017eia\u013e st\u00e1vaj\u00fa po\u010das cel\u00e9ho roka.<strong><em> Pre\u010do je v dne\u0161nej dobe nevyhnutn\u00e9 ma\u0165 aj kvalitn\u00e9 \u017eivotn\u00e9 poistenie, si m\u00f4\u017eete pre\u010d\u00edta\u0165 v na\u0161om \u010dl\u00e1nku <a href=\"https:\/\/www.fingo.sk\/blog\/uraz-vam-moze-pokazit-leto-ale-aj-obratit-zivot-naruby-viete-ako-sa-spravne-poistit\/\">\u00daraz v\u00e1m m\u00f4\u017ee obr\u00e1ti\u0165 \u017eivot naruby. Viete, ako sa spr\u00e1vne poisti\u0165?<\/a><\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/72W5J1W57Yk5lnFIEYUFVMGFxEO5HOlffcAh4PYqn7vL2G4fuRQ4HyhcoUtr4PFVtqmd85en5-CMldtCUdTvt_2qpJWSad93nKGj2cbAtExDvbMqol16gOlDi4EU0P3sm3m85AIXKmoarECT1E4wm-U\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-pozor-na-rizikov-aktivity-ako-je-skialpinizmus-i-jazda-na-sk-tri\" style=\"color:#ec8124\"><strong>Pozor na rizikov\u00e9 aktivity ako je skialpinizmus \u010di jazda na sk\u00fatri<\/strong><\/h2>\n\n\n\n<p>Pois\u0165ovne z\u00e1rove\u0148 rozli\u0161uj\u00fa, \u010di sa venujete \u0161portom len rekrea\u010dne alebo ich vykon\u00e1vate s\u00fa\u0165a\u017ene, pr\u00edpadne ob\u013eubujete rizikovej\u0161ie \u0161porty. Ak si radi doprajete v\u00e4\u010d\u0161\u00ed adrenal\u00edn, napr\u00edklad skialpinizmus, freeride ly\u017eovanie alebo z\u00e1\u017eitkov\u00fa jazdu na sne\u017enom sk\u00fatri, tieto rizikov\u00e9 \u0161porty si mus\u00edte pripoisti\u0165, tak\u017ee si za poistenie priplat\u00edte. <\/p>\n\n\n\n<p>Ak by sa napr\u00edklad dvojica skialpinistov v zime vydala do Rak\u00faska \u010di Talianska, za 3 dni za poistenie zaplat\u00ed od 16 do 30 eur. Dlh\u0161ie 7-d\u0148ov\u00e9 prechody ich m\u00f4\u017eu st\u00e1\u0165 od 38 do 70 eur v z\u00e1vislosti od pois\u0165ovne.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/94uxjnB2fs9E2xg0TJC-j-nXB4jJNyuZCpomhlCMUvQwty_RzZEqJCwnEJ3s7LSYnNdKgIR2BtSMYYPjEKZl89Ju1HtDFluoAbg0fMwpsb6gZfm_UHIGY_PUq1KZWd6dpAMyKNZu1eujhhvOW3fA2EE\" alt=\"\"\/><\/figure>\n\n\n\n<p>Mimochodom, ak m\u00e1te v poistke bytu \u010di domu dojednan\u00e9 aj poistenie zodpovednosti za \u0161kodu, to v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 aj pri ly\u017eova\u010dke. Ale pozor &#8211; ak ide o ly\u017eova\u010dku v zahrani\u010d\u00ed, mus\u00edte si skontrolova\u0165 \u00fazemn\u00fa platnos\u0165 poistenia. <\/p>\n\n\n\n<p>Ke\u010f m\u00e1te dojednan\u00e9 poistenie zodpovednosti v r\u00e1mci poistenia nehnute\u013enosti a dom\u00e1cnosti, tak pr\u00edpadn\u00e9 n\u00e1klady za \u0161kody vo\u010di tret\u00edm stran\u00e1m bud\u00fa hraden\u00e9 z tohto poistenia. Ak je toto poistenie dobre nastaven\u00e9 a m\u00e1 platnos\u0165 aj v krajine, do ktorej ste vycestovali, nemus\u00edte si zodpovednos\u0165 dopois\u0165ova\u0165 v r\u00e1mci cestovn\u00e9ho poistenia.<\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-zimn-turistika-a-rizikovej-ie-porty-na-slovensku\" style=\"color:#ec8124\"><strong>Zimn\u00e1 turistika a rizikovej\u0161ie \u0161porty na Slovensku<\/strong><\/h2>\n\n\n\n<p>Prem\u00fd\u0161\u013eate, \u010di potrebujete poistenie aj pri ly\u017eova\u010dke \u010di in\u00fdch zimn\u00fdch \u0161portoch na Slovensku? Najm\u00e4 pri rizikovej\u0161\u00edch aktivit\u00e1ch \u00e1no. <\/p>\n\n\n\n<ul>\n<li>Ak sa chyst\u00e1te na ly\u017eova\u010dku na Slovensku a utrp\u00edte \u00faraz, n\u00e1klady na o\u0161etrenie v\u00e1m pokryje verejn\u00e9 zdravotn\u00e9 poistenie. <\/li>\n\n\n\n<li>Pokia\u013e by v\u0161ak k \u00farazu do\u0161lo pri rizikovej\u0161\u00edch aktivit\u00e1ch ako je skialpinizmus, freestyle ly\u017eovanie \u010di jazda na sne\u017enom sk\u00fatri, pois\u0165ov\u0148a v\u00e1m m\u00f4\u017ee odmietnu\u0165 preplati\u0165 n\u00e1klady na z\u00e1sah horskej slu\u017eby vr\u00e1tane prepravy vrtu\u013en\u00edkom. V tomto pr\u00edpade je dobr\u00e9 uzavrie\u0165 si bal\u00edk poistenia, ktor\u00fd zah\u0155\u0148a rizikov\u00fd \u0161port, zodpovednos\u0165 a horsk\u00fa slu\u017ebu. <\/li>\n\n\n\n<li>Aj v pr\u00edpade zimnej horskej turistiky je odpor\u00fa\u010dan\u00e9, aby si klienti poistili minim\u00e1lne horsk\u00fa slu\u017ebu, \u010do ich stoj\u00ed zhruba od 70 centov za de\u0148.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/N7fpEJFpXFNQSECGPSkGpibCJpo4eJiOX7neBVLPctrpzjfcJwdFa7cNytI2kbtlCEAm_L0bF30bWbutUQNjiUMvn-MbgTjWK5KGCKz_BBSKGuCccn5O3vzc7WaysQuzgEOllsRkOiwiLCFx4PKmHbY\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-kedy-sa-viac-oplat-celoro-n-poistenie\" style=\"color:#ec8124\"><strong>Kedy sa viac oplat\u00ed celoro\u010dn\u00e9 poistenie<\/strong><\/h2>\n\n\n\n<p>Poistenie do h\u00f4r m\u00f4\u017ee by\u0165 aj s\u00fa\u010das\u0165ou celoro\u010dn\u00e9ho <a href=\"https:\/\/www.fingo.sk\/poistenie\/cestovne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=cestovne_gif\">cestovn\u00e9ho poistenia <\/a>ako bonus. Ak vyr\u00e1\u017eate na ly\u017eova\u010dku do zahrani\u010dia viackr\u00e1t po\u010das sez\u00f3ny alebo si cez rok doprajete viac dovoleniek \u010di pred\u013a\u017een\u00fdch v\u00edkendov, rozumnej\u0161ie bude uzavrie\u0165 si celoro\u010dn\u00e9 poistenie. Vyjde cenovo v\u00fdhodnej\u0161ie a vo v\u00e4\u010d\u0161ine pois\u0165ovn\u00ed automaticky obsahuje aj poistenie do h\u00f4r zdarma.<\/p>\n\n\n\n<p>Ak by ste si do bal\u00ed\u010dka navolili napr\u00edklad lie\u010debn\u00e9 n\u00e1klady, zodpovednos\u0165 za \u0161kodu, \u00faraz, bato\u017einu, z\u00e1chrann\u00fa \u010dinnos\u0165 a asisten\u010dn\u00e9 slu\u017eby, ro\u010dne v\u00e1s tak\u00e9to celoro\u010dn\u00e9 poistenie v r\u00e1mci Eur\u00f3py m\u00f4\u017ee st\u00e1\u0165 od 48 do 76 eur. Ak by ste si pripoistili aj rizikov\u00e9 \u0161porty, zaplat\u00edte viac ako dvojn\u00e1sobok.<\/p>\n\n\n\n<p><strong><em>Zauj\u00edma v\u00e1s, do ktor\u00fdch lokal\u00edt na Slovensku sa oplat\u00ed pripoisti\u0165 horsk\u00fa slu\u017ebu? Pre\u010d\u00edtajte aj \u010dl\u00e1nok <a href=\"https:\/\/www.fingo.sk\/blog\/poistenie-do-hor\/\">Poistenie do h\u00f4r: 5 r\u00e1d, pre\u010do si ho uzavrie\u0165<\/a><\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/qEB6IUJyl8mK-CY8DgxekDJGWDm2PpeKpE0qJ0fbV0alKNyqLhUWjDA-Akt_MfiUcm34W38JUpZYjL7GjXKEuL5Zihlsr0CUT5OhQrGMlD0pRFprEA0nQBodCr-1S05Y8tdMyDxT2jx-f01tHEBwS6k\" alt=\"\"\/><\/figure>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-5-r-d-ako-sa-poisti-na-ly-ova-ku\" style=\"color:#ec8124\"><strong>5 r\u00e1d, ako sa poisti\u0165 na ly\u017eova\u010dku&nbsp;<\/strong><\/h2>\n\n\n\n<p>Na z\u00e1ver nieko\u013eko r\u00e1d. Myslite na to, \u017ee ly\u017eovanie je kr\u00e1sny, ale aj nebezpe\u010dn\u00fd \u0161port. Pr\u00edpadn\u00fd \u00faraz \u010di kol\u00edzia m\u00f4\u017eu sp\u00f4sobi\u0165 nemal\u00e9 \u0161kody nielen na zdrav\u00ed, ale v\u00fdrazne ich m\u00f4\u017ee poc\u00edti\u0165 aj va\u0161a pe\u0148a\u017eenka. Aby n\u00e1sledky tak\u00fdchto udalost\u00ed boli \u010do najmen\u0161ie, m\u00e1me pre v\u00e1s nieko\u013eko z\u00e1kladn\u00fdch r\u00e1d.&nbsp;<\/p>\n\n\n\n<p><strong>1. <\/strong>Pri ly\u017eova\u010dke v zahrani\u010d\u00ed sa v \u017eiadnom pr\u00edpade nespoliehajte iba na Eur\u00f3psky preukaz zdravotn\u00e9ho poistenia. Ten v\u00e1s opr\u00e1v\u0148uje iba na zdravotn\u00fa starostlivos\u0165 vo verejn\u00fdch zdravotn\u00edckych zariadeniach a v rozsahu \u0161tandardnom pre dan\u00fa krajinu. V\u017edy majte uzatvoren\u00e9 cestovn\u00e9 poistenie s dostato\u010dn\u00fdm poistn\u00fdm kryt\u00edm.<\/p>\n\n\n\n<p><strong>2.<\/strong> V r\u00e1mci z\u00e1kladn\u00e9ho bal\u00edka poistenia m\u00e1te kryt\u00e9 iba rekrea\u010dn\u00e9 zimn\u00e9 \u0161porty ako je ly\u017eovanie, snowboardovanie \u010di be\u017ekovanie. Ale pozor, ak m\u00e1te radi skialpovanie, freestyle \u010di jazdu na sne\u017enom sk\u00fatri, mus\u00edte si pripoisti\u0165 rizikov\u00e9 \u0161porty. Pri zimnej turistike si pripoistite aj horsk\u00fa slu\u017ebu, a to aj na Slovensku.<\/p>\n\n\n\n<p><strong>3. <\/strong>Nezabudnite, \u017ee pr\u00edpadn\u00e1 zr\u00e1\u017eka s in\u00fdm ly\u017eiarom na svahu v\u00e1s m\u00f4\u017ee vyjs\u0165 poriadne draho. Majte preto v\u017edy dojednan\u00fa aj zodpovednos\u0165 za \u0161kodu. Pri ly\u017eova\u010dke na Slovensku v\u00e1m zodpovednos\u0165 m\u00f4\u017ee kry\u0165 pois\u0165ov\u0148a v r\u00e1mci v\u00e1\u0161ho poistenia nehnute\u013enosti a dom\u00e1cnosti.<\/p>\n\n\n\n<p><strong>4. <\/strong>Alkohol si doprajte v\u017edy a\u017e po ly\u017eova\u010dke. V pr\u00edpade \u00farazu \u010di \u0161kody sp\u00f4sobenej pod vplyvom alkoholu v\u00e1m pois\u0165ov\u0148a m\u00f4\u017ee kr\u00e1ti\u0165 poistn\u00e9 plnenie alebo v\u00e1m poistn\u00e9 plnenie nevyplat\u00ed v\u00f4bec. Pois\u0165ov\u0148a v\u00e1m nepom\u00f4\u017ee ani vtedy, ak ly\u017eujete mimo vyzna\u010den\u00fdch tr\u00e1s alebo sa venujete extr\u00e9mnym \u0161portom, ktor\u00e9 m\u00e1 vo v\u00fdluk\u00e1ch.&nbsp;<\/p>\n\n\n\n<p><strong>5. <\/strong>Ak cestujete do zahrani\u010dia alebo na hory viackr\u00e1t za rok, uzatvorte si celoro\u010dn\u00e9 cestovn\u00e9 poistenie. Je omnoho v\u00fdhodnej\u0161ie ako kr\u00e1tkodob\u00e9 cestovn\u00e9 poistenie. Navy\u0161e, vo v\u00e4\u010d\u0161ine pois\u0165ovn\u00ed obsahuje poistenie do h\u00f4r ako bonus.&nbsp;<\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<p><strong>TIP: <\/strong>Ak sa chcete poradi\u0165 oh\u013eadom cestovn\u00e9ho poistenia, ale aj <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=majetok_gif\">poistenia bytu <\/a>alebo domu, pr\u00edpadne h\u013ead\u00e1te najlep\u0161ie <a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=zivot_gif\">\u017eivotn\u00e9 poistenie<\/a>, na\u0161i odborn\u00edci z FinGO.sk v\u00e1m s t\u00fdm radi pom\u00f4\u017eu.  <p>Sta\u010d\u00ed si dohodn\u00fa\u0165 sch\u00f4dzku s niektor\u00fdm z na\u0161ich <a href=\"https:\/\/www.fingo.sk\/kontakty\">makl\u00e9rov FinGO.sk<\/a>, ktor\u00fdch n\u00e1jdete na celom Slovensku.<\/p> <p><span style=\"font-size: revert; color: initial;\">Zavolajte n\u00e1m na <\/span><a style=\"font-size: revert;\" href=\"tel:0800601060\">0800 60 10 60<\/a><span style=\"font-size: revert; color: initial;\"> alebo n\u00e1m zanechajte va\u0161e \u00fadaje a my sa v\u00e1m \u010doskoro ozveme. <\/span><\/p><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\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\/8432#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<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Po\u010dasie u\u017e praje aj zimn\u00fdm radov\u00e1nkam na snehu, ktor\u00e9 si u\u017e\u00edvaj\u00fa deti i dospel\u00ed. Ly\u017eova\u010dka nie je lacn\u00e1 z\u00e1le\u017eitos\u0165, no v pr\u00edpade v\u00e1\u017eneho zranenia \u010di zr\u00e1\u017eky s in\u00fdm ly\u017eiarom sa m\u00f4\u017ee predra\u017ei\u0165 e\u0161te viac. Sk\u00f4r ne\u017e vyraz\u00edte do zahrani\u010dn\u00fdch stred\u00edsk, uzavrite si vhodn\u00e9 poistenie. Aj na Slovensku sa v\u00e1m z\u00edde, napr\u00edklad pri zimnej turistike alebo skialpe. Viete, ako si ho nakombinova\u0165 a ko\u013eko stoj\u00ed? Slov\u00e1ci \u010doraz \u010dastej\u0161ie v zime vyr\u00e1\u017eaj\u00fa na dovolenku alebo pred\u013a\u017een\u00fd v\u00edkend do zahrani\u010dia. Ve\u013eakr\u00e1t tam n\u00e1jdu omnoho lep\u0161ie ly\u017eiarske podmienky, pri\u010dom ceny skipasov s\u00fa len o nie\u010do vy\u0161\u0161ie alebo aj porovnate\u013en\u00e9 so Slovenskom. Napr\u00edklad v stredisku Stuhleck v rak\u00faskom Semmeringu, ktor\u00e9 je ve\u013emi popul\u00e1rne aj medzi na\u0161incami, denn\u00fd skipas stoj\u00ed to\u013eko, \u010do v Jasnej. Mnoho nad\u0161encov ly\u017eovania, ale aj zimnej turistiky, vyr\u00e1\u017ea aj do Talianska, \u0160vaj\u010diarska \u010di Franc\u00fazska, niektor\u00ed si odsko\u010dia hoci aj na oto\u010dku do Po\u013eska. Riskova\u0165 sa neoplat\u00ed, \u0161kody m\u00f4\u017eu dosahova\u0165 aj tis\u00edcky eur Ak patr\u00edte k nad\u0161encom zimn\u00fdch \u0161portov, \u010di u\u017e m\u00e1te radi zjazdov\u00e9 ly\u017eovanie, be\u017ekujete alebo snowboardujete, na jednu skuto\u010dnos\u0165 si dajte pozor. A to bez oh\u013eadu na to, \u010di ste za\u010diato\u010dn\u00edci alebo patr\u00edte k t\u00fdm sk\u00fasenej\u0161\u00edm. K\u00fdm na Slovensku v\u00e1m pri \u00faraze na zjazdovke posta\u010d\u00ed verejn\u00e9 zdravotn\u00e9 poistenie, v cudzine je [&hellip;]<\/p>\n","protected":false},"author":52,"featured_media":8434,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,75,73],"tags":[100,102,169,68,103],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ko\u013eko stoj\u00ed poistenie na ly\u017eova\u010dku? 5 r\u00e1d o zimn\u00fdch \u0161portoch - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Sk\u00f4r ne\u017e vyraz\u00edte na svah, uzavrite si poistenie na ly\u017eova\u010dku. 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