{"id":4184,"date":"2026-06-29T10:13:51","date_gmt":"2026-06-29T08:13:51","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4184"},"modified":"2026-06-29T10:13:54","modified_gmt":"2026-06-29T08:13:54","slug":"co-cestovni-pojisteni-nezaplati","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/co-cestovni-pojisteni-nezaplati\/","title":{"rendered":"Co cestovn\u00ed poji\u0161t\u011bn\u00ed nezaplat\u00ed? 5 nej\u010dast\u011bj\u0161\u00edch situac\u00ed, kter\u00e9 kon\u010d\u00ed odm\u00edtnut\u00edm pln\u011bn\u00ed"},"content":{"rendered":"\n<p>Cestovn\u00ed poji\u0161t\u011bn\u00ed v\u00e1s v zahrani\u010d\u00ed dok\u00e1\u017ee vyt\u00e1hnout z velk\u00e9 (a n\u00e1kladn\u00e9) bryndy. V n\u011bkter\u00fdch p\u0159\u00edpadech se ale ani na svou pojistku spol\u00e9hat nem\u016f\u017eete. Seznamte se s nimi v na\u0161em \u010dl\u00e1nku.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>\u010cemu se v \u010dl\u00e1nku v\u011bnujeme?<\/h2><nav><ul><li class=\"\"><a href=\"#konzumace-alkoholu\">Konzumace alkoholu<\/a><\/li><li class=\"\"><a href=\"#zdravotni-problem-ktery-zacal-uz-pred-dovolenou\">Zdravotn\u00ed probl\u00e9m, kter\u00fd za\u010dal u\u017e p\u0159ed dovolenou<\/a><\/li><li class=\"\"><a href=\"#rizikove-a-extremni-sporty\">Rizikov\u00e9 a extr\u00e9mn\u00ed sporty<\/a><\/li><li class=\"\"><a href=\"#reseni-udalosti-v-rozporu-s-podminkami\">\u0158e\u0161en\u00ed ud\u00e1losti v rozporu s podm\u00ednkami<\/a><\/li><li class=\"\"><a href=\"#sjednani-pojisteni-ze-zahranici\">Sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed ze zahrani\u010d\u00ed<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><a href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/\">Cestovn\u00ed poji\u0161t\u011bn\u00ed<\/a> m\u00e1 velmi \u0161irok\u00fd z\u00e1b\u011br: m\u016f\u017ee za v\u00e1s uhradit o\u0161et\u0159en\u00ed v zahrani\u010d\u00ed, \u0161kody zp\u016fsoben\u00e9 jin\u00fdm osob\u00e1m, ukraden\u00e1 zavazadla i opravu va\u0161eho porouchan\u00e9ho vozidla. I tady ale plat\u00ed, \u017ee poji\u0161t\u011bn\u00ed kryje <strong>ne\u010dekan\u00e9 a nahodil\u00e9 ud\u00e1losti<\/strong>, nikoliv v\u011bdom\u00e9 podstupov\u00e1n\u00ed nep\u0159im\u011b\u0159en\u00e9ho rizika, tak\u0159ka jist\u00e9 a vysoce pravd\u011bpodobn\u00e9 \u0161kody nebo situace, kdy poji\u0161t\u011bn\u00fd poru\u0161\u00ed smluvn\u00ed (nebo dokonce z\u00e1konn\u00e9) povinnosti. Na jak\u00e9 p\u0159\u00edpady si d\u00e1t nejv\u011bt\u0161\u00ed pozor?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"konzumace-alkoholu\">Konzumace alkoholu<\/h2>\n\n\n\n<p>Pln\u011bn\u00ed v p\u0159\u00edpad\u011b \u00faraz\u016f a \u0161kod spojen\u00fdch s konzumac\u00ed alkoholu b\u00fdv\u00e1 z cestovn\u00edho poji\u0161t\u011bn\u00ed zcela vylou\u010den\u00e9. Poji\u0161\u0165ovny v tomto p\u0159\u00edpad\u011b zkoumaj\u00ed <strong>souvislost <\/strong>mezi vznikem \u0161kody a hladinou alkoholu v krvi. Neznamen\u00e1 to, \u017ee v\u00e1m poji\u0161\u0165ovna neproplat\u00ed odcizen\u00ed osobn\u00edch v\u011bc\u00ed z hotelov\u00e9ho pokoje, kdy\u017e jste zrovna pop\u00edjeli drinky na baru. Jak\u00fdkoliv <strong>ne\u0161\u0165astn\u00fd \u00faraz <\/strong>nebo<strong> zp\u016fsoben\u00ed \u0161kody na ciz\u00edm majetku<\/strong> ale u\u017e m\u016f\u017ee m\u00edt s alkoholem \u00fazkou souvislost.&nbsp;<\/p>\n\n\n\n<p>N\u011bkter\u00e9 poji\u0161\u0165ovny sice nab\u00edz\u00ed pro tento p\u0159\u00edpad <strong>p\u0159ipoji\u0161t\u011bn\u00ed<\/strong>, nebo uv\u00e1d\u00ed <strong>toleranci ur\u010dit\u00e9 hodnoty<\/strong> alkoholu v krvi p\u0159\u00edmo v pojistn\u00fdch podm\u00ednk\u00e1ch, u drtiv\u00e9 v\u011bt\u0161iny poji\u0161\u0165oven je ale obecn\u011b zp\u016fsoben\u00ed \u0161kody nebo utrp\u011bn\u00ed \u00farazu pod vlivem alkoholu vylou\u010deno z pln\u011bn\u00ed. Mo\u017enosti p\u0159ipoji\u0161t\u011bn\u00ed rozeb\u00edr\u00e1me v \u010dl\u00e1nku <a href=\"https:\/\/www.rixo.cz\/blog\/alkohol-na-dovolene-cestovni-pojisteni\/\">Alkohol na dovolen\u00e9 a cestovn\u00ed poji\u0161t\u011bn\u00ed<\/a>.&nbsp;<\/p>\n\n\n\n<p>V\u00fdluka se krom\u011b alkoholu vztahuje v\u017edy i na <strong>omamn\u00e9 a n\u00e1vykov\u00e9 l\u00e1tky<\/strong> &#8211; pravd\u011bpodobn\u011b v\u00e1s ale nep\u0159ekvap\u00ed, \u017ee u\u017e\u00edv\u00e1n\u00ed t\u011bchto substanc\u00ed u\u017e p\u0159ipojistit nelze.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zdravotni-problem-ktery-zacal-uz-pred-dovolenou\">Zdravotn\u00ed probl\u00e9m, kter\u00fd za\u010dal u\u017e p\u0159ed dovolenou<\/h2>\n\n\n\n<p>Cestovn\u00ed poji\u0161t\u011bn\u00ed je ur\u010deno p\u0159edev\u0161\u00edm pro n\u00e1hl\u00e9 a <strong>neo\u010dek\u00e1van\u00e9 zdravotn\u00ed komplikace<\/strong>. Pln\u011bn\u00ed tak nedostanete ve chv\u00edli, kdy v\u00e1\u0161 zdravotn\u00ed stav sice vy\u017eaduje l\u00e9ka\u0159skou p\u00e9\u010di, ale vznik nebo zhor\u0161en\u00ed pot\u00ed\u017e\u00ed bylo mo\u017en\u00e9 p\u0159edpokl\u00e1dat, proto\u017ee va\u0161e <strong>chronick\u00e9 onemocn\u011bn\u00ed<\/strong> <strong>nebylo stabilizovan\u00e9<\/strong>. I tady plat\u00ed, \u017ee poji\u0161\u0165ovna pln\u011bn\u00ed nevyplat\u00ed, pokud mezi d\u0159\u00edv\u011bj\u0161\u00edm zdravotn\u00edm probl\u00e9mem a konkr\u00e9tn\u00ed ud\u00e1lost\u00ed v zahrani\u010d\u00ed existuje p\u0159\u00ed\u010dinn\u00e1 souvislost.<\/p>\n\n\n\n<p>Typick\u00fdm p\u0159\u00edkladem je situace, kdy cestovatel odj\u00ed\u017ed\u00ed do zahrani\u010d\u00ed s nevy\u0159e\u0161en\u00fdm zdravotn\u00edm probl\u00e9mem, a\u0165 u\u017e l\u00e9\u010den\u00fdm, nebo nel\u00e9\u010den\u00fdm. Pokud se jeho stav n\u00e1sledn\u011b zhor\u0161\u00ed, nemus\u00ed mu b\u00fdt poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh v zahrani\u010d\u00ed nic platn\u00e9. \u010casto jde o bolesti zub\u016f v kombinaci se zanedb\u00e1n\u00edm n\u00e1v\u0161t\u011bv u stomatologa, dekompenzovanou cukrovku nebo nel\u00e9\u010den\u00fd vysok\u00fd krevn\u00ed tlak, kde svou roli sehr\u00e1v\u00e1 i horko a s n\u00edm spojen\u00e1 zv\u00fd\u0161en\u00e1 n\u00e1maha pro srdce.<\/p>\n\n\n\n<p>Se specifick\u00fdmi omezen\u00edmi pojistn\u00e9ho kryt\u00ed pak mus\u00ed po\u010d\u00edtat <strong>\u017eeny ve vy\u0161\u0161\u00edm stupni t\u011bhotenstv\u00ed<\/strong>. Standardn\u011b poji\u0161\u0165ovny pln\u011b kryj\u00ed souvisej\u00edc\u00ed pot\u00ed\u017ee do 26. t\u00fddne t\u011bhotenstv\u00ed, n\u011bkter\u00e9 a\u017e do 32. t\u00fddne. S bl\u00ed\u017e\u00edc\u00edm se term\u00ednem porodu u\u017e neb\u00fdv\u00e1 p\u0159\u00edpadn\u00e9 vy\u0161et\u0159en\u00ed a o\u0161et\u0159en\u00ed v zahrani\u010d\u00ed kv\u016fli souvisej\u00edc\u00edm zdravotn\u00edm pot\u00ed\u017e\u00edm z cestovn\u00edho poji\u0161t\u011bn\u00ed hrazeno. Bli\u017e\u0161\u00ed informace o mo\u017enostech cestovn\u00edho poji\u0161t\u011bn\u00ed v t\u011bhotenstv\u00ed najdete v <a href=\"https:\/\/www.rixo.cz\/blog\/cestovni-pojisteni-v-tehotenstvi\/\">na\u0161em \u010dl\u00e1nku<\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rizikove-a-extremni-sporty\">Rizikov\u00e9 a extr\u00e9mn\u00ed sporty<\/h2>\n\n\n\n<p>Sportov\u00e1n\u00ed na dovolen\u00e9 nep\u0159edstavuje v r\u00e1mci cestovn\u00edho poji\u0161t\u011bn\u00ed samo o sob\u011b \u017e\u00e1dn\u00fd probl\u00e9m. <strong>Rekrea\u010dn\u00ed sporty<\/strong>, mezi kter\u00e9 m\u016f\u017ee pat\u0159it t\u0159eba proj\u00ed\u017e\u010fka na kole, b\u011bh, plav\u00e1n\u00ed nebo pl\u00e1\u017eov\u00fd volejbal, jsou b\u011b\u017en\u011b v ka\u017ed\u00e9m <strong>z\u00e1kladn\u00edm cestovn\u00edm poji\u0161t\u011bn\u00ed kryt\u00e9<\/strong>.&nbsp;<\/p>\n\n\n\n<p><strong>Rizikov\u00e9 sporty<\/strong> u\u017e je ale pot\u0159eba <a href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni-rizikovych-sportu\/\">p\u0159ipojistit<\/a> &#8211; v p\u0159\u00edpad\u011b \u00farazu p\u0159i nebezpe\u010dn\u011bj\u0161\u00ed aktivit\u011b, kterou m\u016f\u017ee b\u00fdt nap\u0159\u00edklad rafting, kajak nebo kanoe v obt\u00ed\u017enosti vy\u0161\u0161\u00ed ne\u017e WW1, surfing \u010di windsurfing nebo jak\u00e1koli aktivita v r\u00e1mci organizovan\u00e9 sout\u011b\u017ee, se od poji\u0161\u0165ovny jinak nemus\u00edte do\u010dkat \u017e\u00e1dn\u00e9 \u00fahrady o\u0161et\u0159en\u00ed. <strong>Extr\u00e9mn\u00ed a adrenalinov\u00e9 sporty<\/strong> jsou zpravidla <strong>zcela nepojistiteln\u00e9<\/strong> &#8211; sem m\u016f\u017ee spadat t\u0159eba popul\u00e1rn\u00ed j\u00edzda na \u010dty\u0159kolk\u00e1ch v saharsk\u00fdch dun\u00e1ch.<\/p>\n\n\n\n<p>Jak\u00e9 konkr\u00e9tn\u00ed sporty poji\u0161\u0165ovny pova\u017euj\u00ed za b\u011b\u017en\u00e9, rizikov\u00e9 a nepojistiteln\u00e9? To v\u017edy najdete v seznamu sport\u016f, kter\u00fd je <strong>p\u0159\u00edlohou pojistn\u00fdch podm\u00ednek<\/strong>. Mezi jednotliv\u00fdmi poji\u0161\u0165ovnami se rizikov\u00e1 klasifikace sport\u016f li\u0161\u00ed a m\u011bn\u00ed, tak\u017ee obecn\u00fdmi a neaktu\u00e1ln\u00edmi v\u00fd\u010dty se rad\u011bji ne\u0159i\u010fte.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"562\" 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\/2026\/06\/unrecognizable-couple-with-surfboards-standing-near-waving-sea-1-1-1-edited.jpg\" alt=\"co cestovn\u00ed poji\u0161t\u011bn\u00ed nezaplat\u00ed\" class=\"wp-image-4188\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/06\/unrecognizable-couple-with-surfboards-standing-near-waving-sea-1-1-1-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/06\/unrecognizable-couple-with-surfboards-standing-near-waving-sea-1-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/06\/unrecognizable-couple-with-surfboards-standing-near-waving-sea-1-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/06\/unrecognizable-couple-with-surfboards-standing-near-waving-sea-1-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/06\/unrecognizable-couple-with-surfboards-standing-near-waving-sea-1-1-1-edited-700x393.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"reseni-udalosti-v-rozporu-s-podminkami\">\u0158e\u0161en\u00ed ud\u00e1losti v rozporu s podm\u00ednkami<\/h2>\n\n\n\n<p>Ne ka\u017ed\u00e9 odm\u00edtnut\u00ed pojistn\u00e9ho pln\u011bn\u00ed souvis\u00ed s p\u0159\u00ed\u010dinou pojistn\u00e9 ud\u00e1losti. N\u011bkdy vznikne probl\u00e9m a\u017e p\u0159i jej\u00edm samotn\u00e9m \u0159e\u0161en\u00ed. Jednou z nej\u010dast\u011bj\u0161\u00edch (a zbyte\u010dn\u00fdch) chyb je toti\u017e tak\u00e9 <strong>pozdn\u00ed kontaktov\u00e1n\u00ed asisten\u010dn\u00ed slu\u017eby<\/strong>. Pokud utrp\u00edte \u00faraz nebo onemocn\u00edte a pot\u0159ebujete v zahrani\u010d\u00ed vyhledat l\u00e9ka\u0159skou pomoc, m\u011bla by b\u00fdt pr\u00e1v\u011b asisten\u010dn\u00ed linka prvn\u00edm m\u00edstem, na kter\u00e9 se obr\u00e1t\u00edte.<\/p>\n\n\n\n<p>Poji\u0161\u0165ovna v\u00e1m doporu\u010d\u00ed smluvn\u00ed zdravotnick\u00e9 za\u0159\u00edzen\u00ed a zpravidla zajist\u00ed \u00fahradu n\u00e1klad\u016f p\u0159\u00edmo s nemocnic\u00ed. Pokud se rozhodnete v\u0161e \u0159e\u0161it sami a poji\u0161\u0165ovnu kontaktujete a\u017e pot\u00e9, m\u016f\u017eete si cel\u00fd proces zbyte\u010dn\u011b zkomplikovat a dokonce i <strong>p\u0159ij\u00edt o pln\u011bn\u00ed<\/strong>. To sam\u00e9 plat\u00ed ve chv\u00edli, kdy l\u00e9ka\u0159skou pomoc vyhled\u00e1te <strong>pozd\u011bji<\/strong>, ne\u017e by bylo vhodn\u00e9.<\/p>\n\n\n\n<p>Probl\u00e9mem u poji\u0161\u0165oven b\u00fdv\u00e1 tak\u00e9 <strong>chyb\u011bj\u00edc\u00ed dokumentace<\/strong>. Bez l\u00e9ka\u0159sk\u00fdch zpr\u00e1v, \u00fa\u010dtenek, faktur nebo dal\u0161\u00edch po\u017eadovan\u00fdch podklad\u016f m\u016f\u017ee b\u00fdt obt\u00ed\u017en\u00e9 prok\u00e1zat, co se vlastn\u011b stalo a jak\u00e9 n\u00e1klady v\u00e1m vznikly. Stejn\u011b tak m\u016f\u017ee m\u00edt negativn\u00ed dopad <strong>neposkytnut\u00ed sou\u010dinnosti <\/strong>p\u0159i \u0161et\u0159en\u00ed pojistn\u00e9 ud\u00e1losti nebo <strong>zatajov\u00e1n\u00ed d\u016fle\u017eit\u00fdch informac\u00ed<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sjednani-pojisteni-ze-zahranici\">Sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed ze zahrani\u010d\u00ed<\/h2>\n\n\n\n<p>Aby cestovn\u00ed poji\u0161t\u011bn\u00ed pln\u011b krylo ve\u0161ker\u00e1 rizika po celou dobu dovolen\u00e9, cestovn\u00ed poji\u0161t\u011bn\u00ed je zpravidla nutn\u00e9 <strong>sjednat u\u017e p\u0159ed odjezdem<\/strong>. Pokud si poji\u0161t\u011bn\u00ed sjedn\u00e1te a\u017e v zahrani\u010d\u00ed, m\u016f\u017ee poji\u0161\u0165ovna uplatnit <strong>odklad po\u010d\u00e1tku poji\u0161t\u011bn\u00ed <\/strong>o n\u011bkolik dn\u016f, v hor\u0161\u00edm p\u0159\u00edpad\u011b v\u00e1m pojistn\u00e1 ochrana<strong> v\u016fbec nevznikne<\/strong>. Z\u00e1le\u017e\u00ed ov\u0161em na poji\u0161\u0165ovn\u011b a pojistn\u00fdch podm\u00ednk\u00e1ch konkr\u00e9tn\u00edho poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<p>Pokud vyr\u00e1\u017e\u00edte za p\u00e1r dn\u016f nebo hodin na dovolenou, nezapome\u0148te si sjednat cestovn\u00ed poji\u0161t\u011bn\u00ed v\u010das. A kde hledat v\u00fdhodn\u00e9 a kvalitn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed, na kter\u00e9 se m\u016f\u017eete v nouzi spolehnout? Najdete ho u\u017e za 2 minuty ve srovn\u00e1n\u00ed v <a href=\"https:\/\/www.rixo.cz\/mobilni-aplikace\/\">mobiln\u00ed aplikaci RIXO<\/a> nebo na webu <a href=\"http:\/\/rixo.cz\" target=\"_blank\" rel=\"noopener\">RIXO.cz<\/a>. Poj\u010fte na to!<\/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>Cestovn\u00ed poji\u0161t\u011bn\u00ed v\u00e1s v zahrani\u010d\u00ed dok\u00e1\u017ee vyt\u00e1hnout z velk\u00e9 (a n\u00e1kladn\u00e9) bryndy. V n\u011bkter\u00fdch p\u0159\u00edpadech se ale ani na svou pojistku spol\u00e9hat nem\u016f\u017eete. Seznamte se s nimi v na\u0161em \u010dl\u00e1nku.\u00a0<\/p>\n","protected":false},"author":11,"featured_media":4186,"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\/4184"}],"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=4184"}],"version-history":[{"count":3,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4184\/revisions"}],"predecessor-version":[{"id":4199,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4184\/revisions\/4199"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4186"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4184"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4184"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4184"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}