{"id":180,"date":"2022-12-06T14:37:12","date_gmt":"2022-12-06T13:37:12","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=180"},"modified":"2022-12-14T11:07:38","modified_gmt":"2022-12-14T10:07:38","slug":"cestovni-pojisteni-od-vzp-co-kryje-a-kdy-se-vyplati","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/cestovni-pojisteni-od-vzp-co-kryje-a-kdy-se-vyplati\/","title":{"rendered":"Cestovn\u00ed poji\u0161t\u011bn\u00ed od VZP. Co kryje a kdy se vyplat\u00ed?"},"content":{"rendered":"\n<p>Chyst\u00e1te se do zahrani\u010d\u00ed? Douf\u00e1me, \u017ee o v\u00fdznamu cestovn\u00edho poji\u0161t\u011bn\u00ed v\u00e1s nemus\u00edme p\u0159esv\u011bd\u010dovat. B\u011bhem o\u0161et\u0159en\u00ed si sice vysta\u010d\u00edte s Evropsk\u00fdm pr\u016fkazem zdravotn\u00edho poji\u0161t\u011bn\u00ed (pokud nejste v Egypt\u011b, Turecku nebo jin\u00e9 popul\u00e1rn\u00ed destinaci mimo EU), ale finan\u010dn\u00ed spolu\u00fa\u010dast na poskytnut\u00e9 zdravotn\u00ed p\u00e9\u010di a dal\u0161\u00ed poplatky u\u017e nep\u0159\u00edjemn\u011b zasko\u010dily tis\u00edce nep\u0159ipraven\u00fdch \u010cech\u016f.<\/p>\n\n\n\n<p>Pokud <strong>pat\u0159\u00edte mezi 6 milion\u016f poji\u0161t\u011bnc\u016f VZP<\/strong>, je logick\u00e9, \u017ee si na ni p\u0159i pl\u00e1nov\u00e1n\u00ed dovolen\u00e9 vzpomenete mezi prvn\u00edmi. Na \u00favod se hod\u00ed uv\u00e9st na pravou m\u00edru skute\u010dnost, \u017ee cestovn\u00ed poji\u0161t\u011bn\u00ed poskytuje Poji\u0161\u0165ovna VZP, a.s. (PVZP), dce\u0159in\u00e1 spole\u010dnost VZP. Pro jednoduchost a v\u011bt\u0161\u00ed srozumitelnost se budeme dr\u017eet p\u016fvodn\u00ed, nep\u0159esn\u00e9 terminologie.<\/p>\n\n\n\n<p>Jak\u00e9 varianty cestovn\u00edho poji\u0161t\u011bn\u00ed tuzemsk\u00fd leader nab\u00edz\u00ed? Kdy se v\u00e1m jeho slu\u017eby vyplat\u00ed nejv\u00edce? Je pravda, \u017ee cestovn\u00ed poji\u0161t\u011bn\u00ed maj\u00ed v\u0161ichni klienti VZP automaticky? To se dozv\u00edte v na\u0161em \u010dl\u00e1nku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Varianty cestovn\u00edho poji\u0161t\u011bn\u00ed VZP<\/h2>\n\n\n\n<p>V nab\u00eddce VZP najdete t\u0159i typy bal\u00ed\u010dk\u016f poji\u0161t\u011bn\u00ed: <strong>MINI, STANDARD a NADSTANDARD<\/strong>.<\/p>\n\n\n\n<p>Z\u00e1kladn\u00ed bal\u00ed\u010dek MINI zahrnuje poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh a poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu. Druh\u00e1 varianta, bal\u00ed\u010dek STANDARD, nav\u00edc pokr\u00fdv\u00e1 i \u00farazov\u00e9 poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed osobn\u00edch v\u011bc\u00ed. Nejv\u00edce slu\u017eeb najdete v bal\u00ed\u010dku NADSTANDARD, kter\u00fd obsahuje i poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad hospitalizace, poji\u0161t\u011bn\u00ed elektroniky a poji\u0161t\u011bn\u00ed cestovn\u00edch pl\u00e1n\u016f. K bal\u00ed\u010dku NADSTANDARD lze nav\u00edc sjednat dv\u011b dal\u0161\u00ed p\u0159ipoji\u0161t\u011bn\u00ed zdarma.<\/p>\n\n\n\n<p>Ka\u017ed\u00fd bal\u00ed\u010dek si m\u016f\u017eete sjednat ve t\u0159ech limitech pojistn\u00e9ho pln\u011bn\u00ed, podle Va\u0161ich pot\u0159eb:<\/p>\n\n\n\n<ul>\n<li>Limit 3 \u2013 dobr\u00e1 volba, pokud cestujete do okoln\u00edch zem\u00ed na p\u00e1r dn\u00ed. Ni\u017e\u0161\u00ed limity pln\u011bn\u00ed se prom\u00edtaj\u00ed do ni\u017e\u0161\u00ed, v\u00fdhodn\u00e9 ceny<\/li>\n\n\n\n<li>Limit 10 \u2013 ide\u00e1ln\u00ed pro v\u00fdlety po Evrop\u011b, st\u0159edomo\u0159sk\u00fdch st\u00e1tech nebo zem\u00edch Bl\u00edzk\u00e9ho v\u00fdchodu. Jak u\u017e napov\u00edd\u00e1 n\u00e1zev bal\u00ed\u010dku, pln\u011bn\u00ed sama VZP pova\u017euje za zlatou st\u0159edn\u00ed cestu<\/li>\n\n\n\n<li>Limit 100 \u2013 skv\u011bl\u00e1 varianta, limity, kter\u00e9 doporu\u010dujeme m\u00edt pokud chcete m\u00edt maxim\u00e1ln\u00ed jistotu a pro cesty mimo Evropu<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e1 rizika kryje cestovn\u00ed poji\u0161t\u011bn\u00ed od VZP?<\/h2>\n\n\n\n<p>Rozd\u00edly mezi jednotliv\u00fdmi bal\u00ed\u010dky zachycuje na\u0161e p\u0159ehledn\u00e1 tabulka.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Bal\u00ed\u010dek<\/strong><\/td><td><strong>MINI<\/strong><\/td><td><strong>STANDARD<\/strong><\/td><td><strong>NADSTANDARD<\/strong><\/td><\/tr><tr><td><strong><strong>Poji\u0161t\u011bn\u00ed<\/strong><\/strong> <strong>l\u00e9\u010debn\u00fdch v\u00fdloh v\u010d. repatriace<\/strong><\/td><td>ano<\/td><td>ano<\/td><td>ano<\/td><\/tr><tr><td><strong>Poji\u0161t\u011bn\u00ed<\/strong><strong>&nbsp;odpov\u011bdnosti<\/strong><\/td><td>ano<\/td><td>ano<\/td><td>ano<\/td><\/tr><tr><td><strong>Poji\u0161t\u011bn\u00ed<\/strong><strong>&nbsp;osobn\u00edch v\u011bc\u00ed<\/strong><\/td><td>ne<\/td><td>ano<\/td><td>ano<\/td><\/tr><tr><td><strong>\u00darazov\u00e9<\/strong><strong>&nbsp;poji\u0161t\u011bn\u00ed<\/strong><\/td><td>ne<\/td><td>ano<\/td><td>ano<\/td><\/tr><tr><td><strong>Poji\u0161t\u011bn\u00ed<\/strong><strong>&nbsp;asistence PLUS<\/strong><\/td><td>ne<\/td><td>ano<\/td><td>ano<\/td><\/tr><tr><td><strong>Poji\u0161t\u011bn\u00ed<\/strong><strong>&nbsp;hospitalizace<\/strong><\/td><td>ne<\/td><td>lze p\u0159ipojistit<\/td><td>ano<\/td><\/tr><tr><td><strong>Poji\u0161t\u011bn\u00ed<\/strong><strong>&nbsp;elektroniky<\/strong><\/td><td>ne<\/td><td>lze p\u0159ipojistit<\/td><td>ano<\/td><\/tr><tr><td><strong>Poji\u0161t\u011bn\u00ed<\/strong><strong>&nbsp;cestovn\u00edch pl\u00e1n\u016f<\/strong><\/td><td>ne<\/td><td>lze p\u0159ipojistit<\/td><td>ano<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Holdujete na cest\u00e1ch adrenalinu a extr\u00e9mn\u00edm sport\u016fm? K jak\u00e9mukoli bal\u00ed\u010dku lze p\u0159ipojistit jejich provozov\u00e1n\u00ed. V\u017edy si zkontrolujte, do jak\u00e9 kategorie va\u0161e pl\u00e1novan\u00e1 aktivita spad\u00e1. \u010c\u00e1st outdoorov\u00fdch aktivit je u VZP nepojistiteln\u00e1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kdy se VZP cestovn\u00ed poji\u0161t\u011bn\u00ed vyplat\u00ed nejv\u00edce?<\/h2>\n\n\n\n<p>Ur\u010dit\u011b v\u00e1s pot\u011b\u0161\u00ed \u0159ada slev, na kter\u00e9 si u VZP s\u00e1hnete. Pod\u00edvejme se na jejich v\u00fd\u010det. Poji\u0161\u0165ovna poskytuje slevu:<\/p>\n\n\n\n<ul>\n<li>10 % v\u0161em, kdo si poji\u0161t\u011bn\u00ed sjednaj\u00ed online<\/li>\n\n\n\n<li>20 % pro studenty (nav\u00edc, lze kombinovat s p\u0159edchoz\u00edm bodem)&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>I osobn\u00ed n\u00e1v\u0161t\u011bva pobo\u010dky VZP nebo PVZP ov\u0161em um\u00ed vykouzlit slevu, konkr\u00e9tn\u011b:<\/p>\n\n\n\n<ul>\n<li>30 % pro \u010dleny Klubu pevn\u00e9ho zdrav\u00ed<\/li>\n\n\n\n<li>20 % pro ostatn\u00ed poji\u0161t\u011bnce VZP<\/li>\n\n\n\n<li>20 % pro studenty (pokud jste poji\u0161t\u011bnci VZP, t\u011b\u0161t\u011b se na slevu 30 %)<\/li>\n\n\n\n<li>a\u017e 75% slevu na ro\u010dn\u00ed rodinn\u00fd pau\u0161\u00e1l pro opakovan\u00e9 pobyty b\u011bhem 1 roku s pobytem v zahrani\u010d\u00ed do 90 dn\u016f<\/li>\n<\/ul>\n\n\n\n<p>Skv\u011blou zpr\u00e1vu m\u00e1me tak\u00e9 pro v\u0161echny bezp\u0159\u00edsp\u011bvkov\u00e9 d\u00e1rce krve, plazmy, kostn\u00ed d\u0159en\u011b nebo krevn\u00edch desti\u010dek. Ti maj\u00ed u Poji\u0161tovny VZP n\u00e1rok na jednu z n\u00e1sleduj\u00edc\u00edch v\u00fdhod:<\/p>\n\n\n\n<ul>\n<li>35 dn\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed zdarma<\/li>\n\n\n\n<li>slevu na ro\u010dn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed<strong> <\/strong>p\u0159i opakovan\u00fdch v\u00fdjezdech do zahrani\u010d\u00ed (EU i ostatn\u00ed st\u00e1ty)<\/li>\n<\/ul>\n\n\n\n<p>Benefit ale nelze uplatnit p\u0159i sjedn\u00e1n\u00ed smlouvy online. Nab\u00eddka se vztahuje na uzav\u0159en\u00ed pojistn\u00e9 smlouvy cestovn\u00edho poji\u0161t\u011bn\u00ed s limitem 3 miliony K\u010d na klientsk\u00e9m pracovi\u0161ti VZP.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Maj\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed automaticky v\u0161ichni klienti VZP?<\/h2>\n\n\n\n<p>Nen\u00ed pravda, \u017ee ka\u017ed\u00fd poji\u0161t\u011bnec VZP u n\u00ed m\u00e1 automaticky sjednan\u00e9 i cestovn\u00ed poji\u0161t\u011bn\u00ed. Jako poji\u0161t\u011bnci VZP v\u0161ak z\u00edsk\u00e1te na cestovn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed 10 % slevu, jako \u010dlenov\u00e9 Klubu pevn\u00e9ho zdrav\u00ed dokonce slevu 30 %. U VZP m\u016f\u017eete v\u00fdhodn\u011b uzav\u0159\u00edt i dal\u0161\u00ed komer\u010dn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vyplat\u00ed se v\u00e1m poji\u0161t\u011bn\u00ed od VZP?<\/h2>\n\n\n\n<p>Chcete nab\u00eddku VZP porovnat s ostatn\u00edmi poji\u0161\u0165ovnami? Zkuste n\u00e1\u0161 <a href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/\">srovn\u00e1va\u010d cestovn\u00edho poji\u0161t\u011bn\u00ed<\/a>. Krom\u011b nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddky v\u00e1m porad\u00edme i s t\u00edm, jak\u00e9 kryt\u00ed je nejvhodn\u011bj\u0161\u00ed zrovna pro v\u00e1s. Spolupracujeme s poji\u0161\u0165ovnami, kter\u00e9 v\u00e1m v cizin\u011b pomohou v p\u0159\u00edpad\u011b onemocn\u011bn\u00ed COVID\u201319.<\/p>\n\n\n\n<p>Db\u00e1me na to, abyste byli v\u017edy spr\u00e1vn\u011b poji\u0161t\u011bn\u00ed a mohli si u\u017e\u00edvat v\u0161echny v\u00fdlety a dovolen\u00e9. Sjedn\u00e1n\u00ed zvl\u00e1dnete do 2 minut, tak\u017ee nevad\u00ed, pokud ho \u0159e\u0161\u00edte last minute p\u0159\u00edmo na leti\u0161ti nebo v aut\u011b.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>VZP je nejv\u011bt\u0161\u00ed zdravotn\u00ed poji\u0161\u0165ovna v \u010cesk\u00e9 republice. Jak\u00e9 cestovn\u00ed poji\u0161t\u011bn\u00ed nab\u00edz\u00ed? Kter\u00fd bal\u00ed\u010dek poji\u0161t\u011bn\u00ed si vybrat?<\/p>\n","protected":false},"author":6,"featured_media":209,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[10,7],"tags":[23,24],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/180"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=180"}],"version-history":[{"count":10,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/180\/revisions"}],"predecessor-version":[{"id":1024,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/180\/revisions\/1024"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/209"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=180"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=180"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=180"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}