{"id":3370,"date":"2025-06-12T11:25:17","date_gmt":"2025-06-12T09:25:17","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=3370"},"modified":"2025-06-12T11:25:19","modified_gmt":"2025-06-12T09:25:19","slug":"pojisteni-storno-poplatku","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-storno-poplatku\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed storno poplatk\u016f: Kdy pom\u016f\u017ee poji\u0161t\u011bn\u00ed storna letenky a ubytov\u00e1n\u00ed?"},"content":{"rendered":"\n<p>Co kdy\u017e m\u00e1te objednan\u00fd z\u00e1jezd, ale znenad\u00e1n\u00ed nebudete moci odjet? M\u016f\u017ee v\u00e1m pomoci poji\u0161t\u011bn\u00ed storno poplatk\u016f ve va\u0161em cestovn\u00edm poji\u0161t\u011bn\u00ed. Jak\u00e9 jsou podm\u00ednky, kolik stoj\u00ed a kdy ho sjednat, aby v\u00e1m v\u016fbec bylo k n\u011b\u010demu platn\u00e9? Porad\u00edme!\u00a0<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Co se v \u010dl\u00e1nku dozv\u00edte?<\/h2><nav><ul><li class=\"\"><a href=\"#co-je-pojisteni-storno-poplatku\">Co je poji\u0161t\u011bn\u00ed storno poplatk\u016f?<\/a><\/li><li class=\"\"><a href=\"#kdy-pojisteni-storno-poplatku-pomuze\">Kdy poji\u0161t\u011bn\u00ed storno poplatk\u016f pom\u016f\u017ee?<\/a><\/li><li class=\"\"><a href=\"#kdy-pojisteni-storno-poplatku-naopak-nepomuze\">Kdy poji\u0161t\u011bn\u00ed storno poplatk\u016f naopak nepom\u016f\u017ee?<\/a><\/li><li class=\"\"><a href=\"#na-co-davat-pozor-pri-sjednani-pojisteni-storno-poplatku\">Na co d\u00e1vat pozor p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed storno poplatk\u016f?<\/a><\/li><li class=\"\"><a href=\"#jaka-je-cena-pojisteni-storno-poplatku\">Jak\u00e1 je cena poji\u0161t\u011bn\u00ed storno poplatk\u016f?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Kdy\u017e objedn\u00e1v\u00e1te a plat\u00edte z\u00e1jezd, ur\u010dit\u011b si nep\u0159ipou\u0161t\u00edte, \u017ee byste den p\u0159ed odletem m\u011bli z vytou\u017een\u00e9 dovolen\u00e9 \u201ccouvat\u201d, proto\u017ee budete le\u017eet v nemocnici. N\u011bkdy se tomu ale bohu\u017eel cestovatel\u00e9 nevyhnou &#8211; a pr\u00e1v\u011b pro tento p\u0159\u00edpad je tu <a href=\"https:\/\/www.rixo.cz\/pojisteni-storna-zajezdu\/\">poji\u0161t\u011bn\u00ed storno poplatk\u016f<\/a>. Zru\u0161en\u00ed dovolen\u00e9 kv\u016fli nemoci a nep\u0159\u00edzni osudu nep\u0159ejeme nikomu, ale ur\u010dit\u011b sami dob\u0159e v\u00edte, \u017ee jistota je jistota.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size aligncenter\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/\" style=\"background-color:#605db5\">Srovnat cestovn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-je-pojisteni-storno-poplatku\">Co je poji\u0161t\u011bn\u00ed storno poplatk\u016f?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed storno poplatk\u016f je p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e9 si m\u016f\u017eete (ale nemus\u00edte) p\u0159idat ke sv\u00e9mu <a href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/\">cestovn\u00edmu poji\u0161t\u011bn\u00ed<\/a>. Toto p\u0159ipoji\u0161t\u011bn\u00ed se jako jedin\u00e9 net\u00fdk\u00e1 rizik, kter\u00e1 v\u00e1s mohou potkat v zahrani\u010d\u00ed, ale p\u0159edev\u0161\u00edm pokr\u00fdvaj\u00ed riziko, \u017ee se do zahrani\u010d\u00ed v\u016fbec nepod\u00edv\u00e1te. Uhrad\u00ed v\u00e1m p\u0159\u00edpadn\u00e9 <strong>stornovac\u00ed poplatky za letenky<\/strong>, <strong>ubytov\u00e1n\u00ed<\/strong> nebo <strong>cel\u00fd z\u00e1jezdov\u00fd bal\u00ed\u010dek<\/strong> od cestovn\u00ed kancel\u00e1\u0159e. Storno poplatky toti\u017e s bl\u00ed\u017e\u00edc\u00edm se term\u00ednem odjezdu stoupaj\u00ed a pokud z\u00e1jezd zru\u0161\u00edte t\u0159eba <strong>den \u010di dva p\u0159ed odletem<\/strong>, u\u017e v\u00e1m <strong>nevr\u00e1t\u00ed prodejce nic<\/strong>.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kdy-pojisteni-storno-poplatku-pomuze\">Kdy poji\u0161t\u011bn\u00ed storno poplatk\u016f pom\u016f\u017ee?<\/h2>\n\n\n\n<p><strong>Poji\u0161t\u011bn\u00ed storno poplatk\u016f<\/strong> v\u00e1m pom\u016f\u017ee v p\u0159\u00edpadech, kdy mus\u00edte zru\u0161it napl\u00e1novanou cestu <strong>z v\u00e1\u017en\u00fdch d\u016fvod\u016f<\/strong>. Mezi nej\u010dast\u011bj\u0161\u00ed situace, kter\u00e9 poji\u0161t\u011bn\u00ed kryje, pat\u0159\u00ed:<\/p>\n\n\n\n<ul>\n<li>n\u00e1hl\u00e9 v\u00e1\u017en\u00e9 <strong>onemocn\u011bn\u00ed nebo \u00faraz<\/strong> n\u011bkter\u00e9ho z cestuj\u00edc\u00edch nebo osoby bl\u00edzk\u00e9<\/li>\n\n\n\n<li><strong>\u00famrt\u00ed <\/strong>osoby bl\u00edzk\u00e9 nebo spolucestuj\u00edc\u00edho<\/li>\n\n\n\n<li>rozs\u00e1hl\u00e1 <strong>\u0161koda na majetku<\/strong> n\u011bkter\u00e9ho z cestuj\u00edc\u00edch vy\u017eaduj\u00edc\u00ed jejich p\u0159\u00edtomnost&nbsp;<\/li>\n\n\n\n<li><strong>\u017eiveln\u00ed katastrofa v destinaci <\/strong>z\u00e1jezdu<\/li>\n\n\n\n<li>nezavin\u011bn\u00e1 a neo\u010dek\u00e1van\u00e1 <strong>ztr\u00e1ta zam\u011bstn\u00e1n\u00ed<\/strong><\/li>\n\n\n\n<li><strong>kr\u00e1de\u017e \u010di ztr\u00e1ta cestovn\u00edho dokladu<\/strong><\/li>\n\n\n\n<li><strong>p\u0159edvol\u00e1n\u00ed k soudu<\/strong><\/li>\n\n\n\n<li><strong>nezavin\u011bn\u00e9 zme\u0161k\u00e1n\u00ed spoje<\/strong> (nap\u0159. letadla, vlaku ad.)<\/li>\n<\/ul>\n\n\n\n<p>Ve\u0161ker\u00e9 d\u016fvody storna je nutn\u00e9 v p\u0159\u00edpad\u011b, \u017ee dojde k n\u011bkter\u00e9 z t\u011bchto ud\u00e1lost\u00ed, poji\u0161\u0165ovn\u011b p\u0159i nahl\u00e1\u0161en\u00ed pojistn\u00e9 ud\u00e1losti tak\u00e9 dolo\u017eit nap\u0159\u00edklad l\u00e9ka\u0159skou zpr\u00e1vou, policejn\u00edm protokolem nebo jin\u00fdmi dokumenty.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kdy-pojisteni-storno-poplatku-naopak-nepomuze\">Kdy poji\u0161t\u011bn\u00ed storno poplatk\u016f naopak nepom\u016f\u017ee?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed storna nefunguje univerz\u00e1ln\u011b na v\u0161echny d\u016fvody zru\u0161en\u00ed cesty. Ne\u010dekejte tedy, \u017ee dostanete zp\u011bt pen\u00edze, pokud se v\u00e1m prost\u011b jen \u201cnechce\u201d nebo jste si rozmysleli v\u00fdb\u011br hotelu po p\u0159e\u010dten\u00ed negativn\u00edch recenz\u00ed. Stejn\u011b tak nem\u016f\u017eete od poji\u0161\u0165ovny \u010dekat pokryt\u00ed stornopoplatk\u016f, pokud nem\u016f\u017eete vyjet <strong>kv\u016fli propadl\u00e9mu cestovn\u00edmu pasu<\/strong> nebo <strong>zam\u00edtnut\u00ed vyd\u00e1n\u00ed v\u00edza<\/strong>. Ani <strong>nepovolen\u00ed \u010derp\u00e1n\u00ed dovolen\u00e9 <\/strong>v zam\u011bstn\u00e1n\u00ed nebo zhor\u0161en\u00ed d\u0159\u00edv\u011bj\u0161\u00edch zdravotn\u00edch probl\u00e9m\u016f nen\u00ed d\u016fvodem pro vyplacen\u00ed pln\u011bn\u00ed od poji\u0161\u0165ovny.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"na-co-davat-pozor-pri-sjednani-pojisteni-storno-poplatku\">Na co d\u00e1vat pozor p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed storno poplatk\u016f?<\/h2>\n\n\n\n<ul>\n<li>U poji\u0161t\u011bn\u00ed storna cesty je nutn\u00e9 <strong>uzav\u0159\u00edt poji\u0161t\u011bn\u00ed v\u010das<\/strong>, a to<strong> co nejd\u0159\u00edve<\/strong> od <strong>objedn\u00e1n\u00ed a zaplacen\u00ed<\/strong> z\u00e1jezdu, letenek nebo ubytov\u00e1n\u00ed. V\u011bzte, \u017ee n\u011bkter\u00e9 poji\u0161\u0165ovny akceptuj\u00ed sjedn\u00e1n\u00ed nap\u0159\u00edklad<strong> jen do 3 kalend\u00e1\u0159n\u00edch dn\u016f<\/strong> po za\u0159\u00edzen\u00ed z\u00e1jezdu.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>P\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed storno poplatk\u016f je nutn\u00e9 uv\u00e9st <strong>term\u00edn z\u00e1jezdu a jeho celkovou cenu<\/strong> &#8211; ta pot\u00e9 slou\u017e\u00ed jako limit pln\u011bn\u00ed, nepodce\u0148ujte proto zad\u00e1n\u00ed spr\u00e1vn\u00e9 sumy p\u0159i sjedn\u00e1n\u00ed. Poji\u0161t\u011bn\u00ed v\u00e1m pak pokryje<strong> a\u017e 100 % storno poplatk\u016f<\/strong>. Vzhledem k tomu, \u017ee storno poplatky se s bl\u00ed\u017e\u00edc\u00edm se z\u00e1jezdem zvy\u0161uj\u00ed, pokud zru\u0161\u00edte z\u00e1jezd nap\u0159\u00edklad t\u0159i t\u00fddny p\u0159ed odjezdem a storno poplatek \u010din\u00ed 80 %, poji\u0161\u0165ovna v\u00e1m vyplat\u00ed tuto pom\u011brnou \u010d\u00e1st sn\u00ed\u017eenou o <strong>spolu\u00fa\u010dast<\/strong>. Nej\u010dast\u011bji jde o <strong>10-20 % z ceny<\/strong> z\u00e1jezdu (tj. pojistn\u00e9 \u010d\u00e1stky).<\/li>\n<\/ul>\n\n\n\n<ul>\n<li>V\u011bnujte chvilku sv\u00e9ho \u010dasu pro\u010dten\u00ed <strong>pojistn\u00fdch podm\u00ednek<\/strong>, d\u016fvody pro v\u00fdplatu pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed storna se mohou u jednotliv\u00fdch poji\u0161\u0165oven v\u00fdznamn\u011b li\u0161it, stejn\u011b tak v\u00e1s mohou p\u0159ekvapit n\u011bkter\u00e9 <strong>v\u00fdluky<\/strong>.\u00a0<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"388\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/06\/portrait-worried-man-tourist-looking-stressed-concerned-packing-suitcase-holding-hands-head-deciding-what-bring-holiday-1-2.jpg\" alt=\"poji\u0161t\u011bn\u00ed storno poplatk\u016f\" class=\"wp-image-3381\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/06\/portrait-worried-man-tourist-looking-stressed-concerned-packing-suitcase-holding-hands-head-deciding-what-bring-holiday-1-2.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/06\/portrait-worried-man-tourist-looking-stressed-concerned-packing-suitcase-holding-hands-head-deciding-what-bring-holiday-1-2-300x116.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/06\/portrait-worried-man-tourist-looking-stressed-concerned-packing-suitcase-holding-hands-head-deciding-what-bring-holiday-1-2-768x298.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/06\/portrait-worried-man-tourist-looking-stressed-concerned-packing-suitcase-holding-hands-head-deciding-what-bring-holiday-1-2-100x39.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2025\/06\/portrait-worried-man-tourist-looking-stressed-concerned-packing-suitcase-holding-hands-head-deciding-what-bring-holiday-1-2-700x272.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jaka-je-cena-pojisteni-storno-poplatku\">Jak\u00e1 je cena poji\u0161t\u011bn\u00ed storno poplatk\u016f?<\/h2>\n\n\n\n<p>Cena poji\u0161t\u011bn\u00ed storno poplatk\u016f z\u00e1vis\u00ed p\u0159edev\u0161\u00edm na <strong>v\u00fd\u0161i limitu pln\u011bn\u00ed<\/strong>, tedy cen\u011b z\u00e1jezdu (p\u0159\u00edpadn\u011b celkov\u00e9 cen\u011b letenek a ubytov\u00e1n\u00ed). U v\u011bt\u0161iny poji\u0161\u0165oven za poji\u0161t\u011bn\u00ed storna cesty zaplat\u00edte kolem <strong>2-5 % ze zvolen\u00e9ho limitu pln\u011bn\u00ed<\/strong>.<\/p>\n\n\n\n<p>Pod\u00edvejme se na modelov\u00fd p\u0159\u00edklad <strong>ceny celkov\u00e9ho cestovn\u00edho poji\u0161t\u011bn\u00ed<\/strong> s p\u0159ipoji\u0161t\u011bn\u00edm storno poplatk\u016f. Kalkulace zahrnuje poji\u0161t\u011bn\u00ed na t\u00fddenn\u00ed dovolenou v It\u00e1lii pro 2 dosp\u011bl\u00e9 osoby, p\u0159i\u010dem\u017e cena z\u00e1jezdu je 50 000 K\u010d.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>\u010cPP<\/strong><\/td><td><strong>Komer\u010dn\u00ed poji\u0161\u0165ovna<\/strong><\/td><td><strong>Direct poji\u0161\u0165ovna<\/strong><\/td><\/tr><tr><td>Poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh (limit)<\/td><td>10 mil. K\u010d<\/td><td>10 mil. K\u010d<\/td><td>6 mil. K\u010d<\/td><\/tr><tr><td>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti zdrav\u00ed\/majetek (limit)<\/td><td>5,2\/5,2 mil. K\u010d<\/td><td>3\/3 mil. K\u010d<\/td><td>25\/10 mil. K\u010d<\/td><\/tr><tr><td>Poji\u0161t\u011bn\u00ed storna (limit)<\/td><td>50 000 K\u010d<\/td><td>50 000 K\u010d<\/td><td>50 000 K\u010d<\/td><\/tr><tr><td><strong>Cena<\/strong><\/td><td><strong>1717 K\u010d<\/strong><\/td><td><strong>1788 K\u010d<\/strong><\/td><td><strong>1834 K\u010d<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed storno poplatk\u016f se sice m\u016f\u017ee zprvu zd\u00e1t jako drah\u00e1 investice, ale v p\u0159\u00edpad\u011b nep\u0159edv\u00eddan\u00e9 ud\u00e1losti v\u00e1m m\u016f\u017ee u\u0161et\u0159it des\u00edtky tis\u00edc korun. Nepodce\u0148ujte rizika, kter\u00e1 na v\u00e1s \u010d\u00edhaj\u00ed. Jistota, \u017ee se va\u0161e pen\u00edze neztrat\u00ed a hned budete moci pl\u00e1novat dal\u0161\u00ed dovolenou, je k nezaplacen\u00ed!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size aligncenter\" style=\"font-size:18px\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/\" style=\"background-color:#605db5\">Srovnat cestovn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Co kdy\u017e m\u00e1te objednan\u00fd z\u00e1jezd, ale znenad\u00e1n\u00ed nebudete moci odjet? M\u016f\u017ee v\u00e1m pomoci poji\u0161t\u011bn\u00ed storno poplatk\u016f ve va\u0161em cestovn\u00edm poji\u0161t\u011bn\u00ed. Jak\u00e9 jsou podm\u00ednky, kolik stoj\u00ed a kdy ho sjednat, aby v\u00e1m v\u016fbec bylo k n\u011b\u010demu platn\u00e9? Porad\u00edme!\u00a0<\/p>\n","protected":false},"author":11,"featured_media":3380,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,10],"tags":[23],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3370"}],"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\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=3370"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3370\/revisions"}],"predecessor-version":[{"id":3382,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/3370\/revisions\/3382"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/3380"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=3370"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=3370"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=3370"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}