{"id":4795,"date":"2026-11-12T10:22:24","date_gmt":"2026-11-12T09:22:24","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4795"},"modified":"2026-11-12T10:22:26","modified_gmt":"2026-11-12T09:22:26","slug":"zasah-horske-sluzby-cena","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/zasah-horske-sluzby-cena\/","title":{"rendered":"Z\u00e1sah horsk\u00e9 slu\u017eby: Cena v zahrani\u010d\u00ed a co zaplat\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Kolik stoj\u00ed z\u00e1sah horsk\u00e9 slu\u017eby v Alp\u00e1ch, Tatr\u00e1ch i v \u010cesku? Co hrad\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed, kdy nesta\u010d\u00ed EHIC a na co si d\u00e1t pozor v podm\u00ednk\u00e1ch rozeb\u00edr\u00e1me pr\u00e1v\u011b v tomto \u010dl\u00e1nku. Cestovn\u00ed poji\u0161t\u011bn\u00ed z\u00e1sah pokryje, jen si ohl\u00eddejte limity a podm\u00ednky.<\/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=\"#kolik-stoji-zasah-horske-sluzby-a-kdo-ho-plati\">Kolik stoj\u00ed z\u00e1sah horsk\u00e9 slu\u017eby a kdo ho plat\u00ed?<\/a><ul><li class=\"\"><a href=\"#kolik-stoji-zasah-horske-sluzby-s-vrtulnikem\">Kolik stoj\u00ed z\u00e1sah horsk\u00e9 slu\u017eby s vrtuln\u00edkem?\u00a0<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#kdy-cestovni-pojisteni-zasah-horske-sluzby-zaplati\">Kdy cestovn\u00ed poji\u0161t\u011bn\u00ed z\u00e1sah horsk\u00e9 slu\u017eby zaplat\u00ed?<\/a><\/li><li class=\"\"><a href=\"#na-co-dat-pozor-pri-sjednani-cestovniho-pojisteni-do-hor\">Na co d\u00e1t pozor p\u0159i sjedn\u00e1n\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed do hor?\u00a0\u00a0<\/a><\/li><li class=\"\"><a href=\"#jaky-zasah-horske-sluzby-cestovni-pojisteni-nezaplati\">Jak\u00fd z\u00e1sah horsk\u00e9 slu\u017eby cestovn\u00ed poji\u0161t\u011bn\u00ed nezaplat\u00ed?\u00a0<\/a><\/li><li class=\"\"><a href=\"#proc-na-uhradu-zasahu-horske-sluzby-v-zahranici-nestaci-ehic\">Pro\u010d na \u00fahradu z\u00e1sahu horsk\u00e9 slu\u017eby v zahrani\u010d\u00ed nesta\u010d\u00ed EHIC?\u00a0<\/a><\/li><li class=\"\"><a href=\"#jak-vybrat-cestovni-pojisteni-na-hory\">Jak vybrat cestovn\u00ed poji\u0161t\u011bn\u00ed na hory?<\/a><\/li><li class=\"\"><a href=\"#nejcastejsi-dotazy\">Nej\u010dast\u011bj\u0161\u00ed dotazy<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 id=\"kolik-stoji-zasah-horske-sluzby-a-kdo-ho-plati\" class=\"wp-block-heading\">Kolik stoj\u00ed z\u00e1sah horsk\u00e9 slu\u017eby a kdo ho plat\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V \u010cesku v\u00e1s nebude st\u00e1t z\u00e1sah horsk\u00e9 slu\u017eby nic, v Alp\u00e1ch ale m\u016f\u017ee j\u00edt i o tis\u00edce eur. \u010ce\u0161t\u00ed poji\u0161t\u011bnci maj\u00ed z\u00e1sah v \u010cR zdarma, v zahrani\u010d\u00ed ho ale obvykle hrad\u00ed s\u00e1m zachra\u0148ovan\u00fd (nebo jeho poji\u0161\u0165ovna). \u010c\u00e1stky se \u0159\u00edd\u00ed sazebn\u00edky a li\u0161\u00ed se podle zem\u011b, konkr\u00e9tn\u00edho horsk\u00e9ho regionu i toho, jestli jste zran\u011bn\u00ed nebo t\u0159eba zda si za v\u00fdjezd horsk\u00e9 slu\u017eby \u201cm\u016f\u017eete sami\u201d.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Zem\u011b<\/strong><\/td><td><strong>Kdo plat\u00ed<\/strong><\/td><td><strong>Orienta\u010dn\u00ed cena pozemn\u00edho z\u00e1sahu<\/strong><\/td><\/tr><tr><td>\u010cesko<\/td><td>\u010ce\u0161t\u00ed poji\u0161t\u011bnci nic, cizinci ano<\/td><td>Cena <a href=\"https:\/\/www.horskasluzba.cz\/data\/web\/cenik-specialnich-vykonu-hs-2024.pdf\" target=\"_blank\" rel=\"noopener\">dle n\u00e1ro\u010dnosti z\u00e1sahu (pro cizince<\/a>:&nbsp;<br>&#8211; 60 \u20ac za z\u00e1sah na stanici<br>&#8211; 230 \u20ac za z\u00e1sah do 3 km a 3 z\u00e1chran\u00e1\u0159\u016f<br>&#8211; 460 \u20ac za z\u00e1sah nad 3 km nebo 4\u201310 z\u00e1chran\u00e1\u0159\u016f)<\/td><\/tr><tr><td>Slovensko<\/td><td>Zachra\u0148ovan\u00fd, d\u011bti do 18 let nic<\/td><td>Cena <a href=\"https:\/\/hzs.sk\/wp-content\/uploads\/2025\/11\/Pokyn-23-2025-Cennik-cinnosti-platny-od-1.11.2025.pdf\" target=\"_blank\" rel=\"noopener\">dle hodin a po\u010dtu z\u00e1chran\u00e1\u0159\u016f<\/a>:&nbsp;<br>&#8211; 12 \u20ac\/hod\/1 z\u00e1chran\u00e1\u0159 na ly\u017ea\u0159sk\u00e9 trati<br>&#8211; 54 \u20ac\/hod\/1 z\u00e1chran\u00e1\u0159 p\u0159i organizovan\u00e9 \u010dinnosti, cenu navy\u0161uj\u00ed p\u0159\u00edplatky za zt\u00ed\u017een\u00e9 prost\u0159ed\u00ed<\/td><\/tr><tr><td>Rakousko<\/td><td>Zachra\u0148ovan\u00fd<\/td><td>Cena <a href=\"https:\/\/bergrettung-nw.at\/wp-content\/uploads\/sites\/2\/sites\/2\/2026\/02\/20260128_Informationsblatt-Einsatzverrechnung-2026_ENG.pdf\" target=\"_blank\" rel=\"noopener\">dle n\u00e1ro\u010dnosti z\u00e1sahu a hodin<\/a>:<br>&#8211; 306 \u20ac\/hod za mal\u00fd z\u00e1sah<br>&#8211; 612 \u20ac\/hod za standardn\u00ed z\u00e1sah<br>&#8211; 1224 \u20ac\/hod za rozs\u00e1hl\u00fd z\u00e1sah<\/td><\/tr><tr><td>N\u011bmecko<\/td><td>Zachra\u0148ovan\u00fd nezran\u011bn\u00fd; z\u00e1chranu zran\u011bn\u00e9ho hrad\u00ed EHIC (se spolu\u00fa\u010dast\u00ed jako ob\u010dan\u016fm DE)&nbsp;&nbsp;<\/td><td>Cena <a href=\"https:\/\/cms.bergwacht-bayern.de\/Dokumente\/Downloads\/Infoblatt_Finanzierung_der_Bergrettung_2026.pdf\" target=\"_blank\" rel=\"noopener\">dle n\u00e1ro\u010dnosti z\u00e1sahu nezran\u011bn\u00fdch<\/a>:&nbsp;<br>&#8211; 300 \u20ac za mal\u00fd z\u00e1sah<br>&#8211; 600 \u20ac za standardn\u00ed z\u00e1sah<br>&#8211; 1 200 \u20ac za rozs\u00e1hl\u00fd z\u00e1sah, a\u017e 1 600 \u20ac p\u0159i z\u00e1sahu nad 8 hodin<\/td><\/tr><tr><td>\u0160v\u00fdcarsko<\/td><td>Zachra\u0148ovan\u00fd<\/td><td>Cena dle <a href=\"https:\/\/www.kwro.ch\/\" target=\"_blank\" rel=\"noopener\">pau\u0161\u00e1ln\u00edch sazeb<\/a>:<br>&#8211; 227 CHF\/z\u00e1chran\u00e1\u0159, 69 CHF za ka\u017edou zapo\u010datou hodinu<br>&#8211; dal\u0161\u00ed n\u00e1klady dle hodin z\u00e1sahu (311 CHF do 2 hodin, 436 CHF do 10 hodin)<\/td><\/tr><tr><td>It\u00e1lie<\/td><td>Zachra\u0148ovan\u00fd dle regionu, m\u00edry zavin\u011bn\u00ed; p\u0159i pot\u0159eb\u011b hospitalizace EHIC<\/td><td>Cena dle pot\u0159eby z\u00e1sahu a regionu (<a href=\"https:\/\/www.trekking.it\/news\/soccorso-alpino-pagamento-ticket\/\" target=\"_blank\" rel=\"noopener\">zde Ben\u00e1tsko<\/a>):<br>&#8211; z\u00e1sah s p\u0159ijet\u00edm do nemocnice zdarma<br>&#8211; 200 \u20ac\/z\u00e1sah + 50 \u20ac za ka\u017edou dal\u0161\u00ed hodinu po 1. hodin\u011b p\u0159i vysoce rizikov\u00fdch aktivit\u00e1ch nebo nepot\u0159ebn\u00e9m z\u00e1sahu<\/td><\/tr><tr><td>Francie<\/td><td>Zachra\u0148ovan\u00fd v ly\u017ea\u0159sk\u00fdch st\u0159edisc\u00edch a are\u00e1lech; ve voln\u00e9m ter\u00e9nu zdarma (hrad\u00ed st\u00e1t)<\/td><td>Cena dle konkr\u00e9tn\u00edho st\u0159ediska (<a href=\"https:\/\/www.chamonix.fr\/demarches\/securite\/risque-en-montagne\/\" target=\"_blank\" rel=\"noopener\">zde Chamonix<\/a>):&nbsp;<br>&#8211; 90 \u20ac\/z\u00e1sah v \u00fapat\u00ed<br>&#8211; 404 \u20ac\/z\u00e1sah na sjezdovk\u00e1ch<br>&#8211; 623 \u20ac\/z\u00e1sah ve vysokohorsk\u00fdch oblastech&nbsp;<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><em>Podm\u00ednky platn\u00e9 k datu publikace<\/em><\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 id=\"kolik-stoji-zasah-horske-sluzby-s-vrtulnikem\" class=\"wp-block-heading\">Kolik stoj\u00ed z\u00e1sah horsk\u00e9 slu\u017eby s vrtuln\u00edkem?&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">B\u011b\u017en\u00fd z\u00e1sah horsk\u00e9 slu\u017eby s\u00e1m o sob\u011b astronomick\u00e9 ceny v \u0159\u00e1du milion\u016f korun neznamen\u00e1. Z\u00e1sadn\u011b je ale prodra\u017euj\u00ed vzlety vrtuln\u00edk\u016f. Nap\u0159\u00edklad v It\u00e1lii m\u016f\u017eete po\u010d\u00edtat s cenou kolem 120 \u20ac (tedy v p\u0159epo\u010dtu cca 2 900 K\u010d) za minutu, v Rakousku s cenou 100-150 \u20ac za minutu, v N\u011bmecku b\u011b\u017en\u011b mezi 60-100 \u20ac za minutu, ve \u0160v\u00fdcarsku kolem 100 CHF (v p\u0159epo\u010dtu cca 2 650 K\u010d) za minutu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nutn\u00e9 je ale pamatovat i na fakt, \u017ee ne v\u017edy m\u016f\u017ee vrtuln\u00edk vzl\u00e9tnout, a to zejm\u00e9na kv\u016fli nep\u0159\u00edzniv\u00fdm pov\u011btrnostn\u00edm podm\u00ednk\u00e1m. Pozemn\u00ed z\u00e1chrann\u00e1 akce v nep\u0159\u00edstupn\u00e9m ter\u00e9nu pak m\u016f\u017ee trvat dlouh\u00e9 hodiny, v nejz\u00e1va\u017en\u011bj\u0161\u00edch p\u0159\u00edpadech i des\u00edtky hodin. Vysok\u00e1 n\u00e1ro\u010dnost z\u00e1sahu znamen\u00e1 dal\u0161\u00ed p\u0159\u00edplatky.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kolik v\u00e1s tedy m\u016f\u017ee st\u00e1t cel\u00fd z\u00e1sah? Pod\u00edvejme se na p\u0159\u00edklad z Rakouska. Hypotetick\u00fd dvouhodinov\u00fd p\u00e1trac\u00ed a z\u00e1chrann\u00fd z\u00e1sah pozemn\u00ed horsk\u00e9 slu\u017eby bude uv\u00edzl\u00e9ho turistu st\u00e1t cca 30 000 K\u010d (2h x 612 \u20ac), v p\u0159\u00edpad\u011b transportu vrtuln\u00edkem s b\u011b\u017enou d\u00e9lkou z\u00e1sahu kolem 40 minut zv\u00fd\u0161\u00ed \u00fa\u010det o zhruba 146 000 K\u010d (40 x 150 \u20ac). Celkem tedy z\u00e1sah vyjde na zhruba 176 000 K\u010d.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A pro\u010d by v\u00e1s m\u011bla cena zaj\u00edmat? Bez cestovn\u00edho poji\u0161t\u011bn\u00ed plat\u00ed ve v\u011bt\u0161in\u011b obl\u00edben\u00fdch zimn\u00edch destinac\u00ed celou \u010d\u00e1stku zachra\u0148ovan\u00fd. <a href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/cestovni-pojisteni\/\">Cestovn\u00ed poji\u0161t\u011bn\u00ed<\/a>, kter\u00e9 kryje z\u00e1chranu i transport vrtuln\u00edkem, ji uhrad\u00ed v r\u00e1mci sv\u00e9ho limitu.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><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 id=\"kdy-cestovni-pojisteni-zasah-horske-sluzby-zaplati\" class=\"wp-block-heading\">Kdy cestovn\u00ed poji\u0161t\u011bn\u00ed z\u00e1sah horsk\u00e9 slu\u017eby zaplat\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kvalitn\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed na hory uhrad\u00ed z\u00e1sah horsk\u00e9 slu\u017eby, transport vrtuln\u00edkem i n\u00e1vrat do \u010cR, m\u016f\u017ee se ale li\u0161it zp\u016fsob sjedn\u00e1n\u00ed tohoto kryt\u00ed i d\u016fvod, pro\u010d z\u00e1sah horsk\u00e9 slu\u017eby pot\u0159ebujete.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1sah horsk\u00e9 slu\u017eby m\u016f\u017ee b\u00fdt:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sou\u010d\u00e1st\u00ed poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh do jejich limitu,<\/li>\n\n\n\n<li>sou\u010d\u00e1st\u00ed poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh se sublimitem,<\/li>\n\n\n\n<li>zvl\u00e1\u0161tn\u00edm p\u0159ipoji\u0161t\u011bn\u00edm k cestovn\u00edmu poji\u0161t\u011bn\u00ed.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud vyr\u00e1\u017e\u00edte do hor, ur\u010dit\u011b se nezapome\u0148te pod\u00edvat, zda a s jak\u00fdm limitem (\u010di sublimitem) poji\u0161t\u011bn\u00ed po\u010d\u00edt\u00e1. Pozor dejte i na to, \u017ee hrazeny jsou u v\u011bt\u0161iny poji\u0161\u0165oven pouze z\u00e1chrann\u00e9 a p\u00e1trac\u00ed akce z d\u016fvodu <strong>ohro\u017een\u00ed va\u0161eho zdrav\u00ed \u010di \u017eivota<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Co kdy\u017e pat\u0159\u00edte mezi v\u00e1\u0161niv\u00e9 horaly a na zahrani\u010dn\u00ed sjezdovky vyr\u00e1\u017e\u00edte pravideln\u011b? Zva\u017ete \u010dlenstv\u00ed v rakousk\u00e9m horsk\u00e9m svazu <strong>Alpenverein<\/strong>. To v\u00e1m poskytuje krom\u011b jin\u00e9ho i pojistnou ochranu s kryt\u00edm z\u00e1chrann\u00fdch a p\u00e1trac\u00edch akc\u00ed v hor\u00e1ch a\u017e do 6 000 m n.m po cel\u00e9m sv\u011bt\u011b s limitem 25 000 \u20ac (cca 608 000 K\u010d). \u010clenstv\u00ed s \u0159adou dal\u0161\u00edch v\u00fdhod stoj\u00ed dosp\u011bl\u00e9 2 040 K\u010d ro\u010dn\u011b, nenahrazuje ale klasick\u00e9 cestovn\u00ed poji\u0161t\u011bn\u00ed zejm\u00e9na s ohledem na omezen\u00fd rozsah kryt\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh.&nbsp;<\/p>\n\n\n\n<h2 id=\"na-co-dat-pozor-pri-sjednani-cestovniho-pojisteni-do-hor\" class=\"wp-block-heading\">Na co d\u00e1t pozor p\u0159i sjedn\u00e1n\u00ed cestovn\u00edho poji\u0161t\u011bn\u00ed do hor?&nbsp;&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pro cesty na hory zvolte limit pro kryt\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh alespo\u0148 5 milion\u016f K\u010d. Poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh standardn\u011b kryje rekrea\u010dn\u00ed sporty &#8211; u\u017e z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed l\u00e9\u010debn\u00fdch v\u00fdloh tedy po\u010d\u00edt\u00e1 s t\u00edm, \u017ee se budete v\u011bnovat ly\u017eov\u00e1n\u00ed, snowboardingu, turistice (zpravidla do 3 500 m n.m.) nebo b\u011b\u017ek\u00e1m na vyzna\u010den\u00fdch tras\u00e1ch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud se tou\u017e\u00edte vydat i mimo sjezdovky, nezapome\u0148te na <a href=\"https:\/\/www.rixo.cz\/cestovni-pojisteni-rizikovych-sportu\/\"><strong>poji\u0161t\u011bn\u00ed rizikov\u00fdch sport\u016f<\/strong><\/a> a ov\u011b\u0159te si v <strong>seznamu poji\u0161t\u011bn\u00fdch sport\u016f<\/strong> u konkr\u00e9tn\u00ed poji\u0161\u0165ovny, \u017ee se na vybran\u00e9 poji\u0161t\u011bn\u00ed m\u016f\u017eete spolehnout. Mezi <strong>rizikov\u00e9 \u010dinnosti<\/strong> m\u016f\u017ee pat\u0159it nap\u0159\u00edklad sjezd po nezpevn\u011bn\u00e9m nebo neozna\u010den\u00e9m povrchu, s\u00e1\u0148kov\u00e1n\u00ed a bobov\u00e1n\u00ed i na vyzna\u010den\u00fdch tras\u00e1ch, vysokohorsk\u00e1 turistika zpravidla nad 3 500 m n.m. \u010di obt\u00ed\u017en\u011bj\u0161\u00ed \u00farovn\u011b via ferrata. Mezi <strong>nepojistiteln\u00e9 sporty<\/strong> pak m\u016f\u017ee pat\u0159it sjezd na sn\u011b\u017en\u00e9m sk\u00fatru nebo skoky a lety na ly\u017e\u00edch.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do cestovn\u00edho poji\u0161t\u011bn\u00ed m\u016f\u017eete zahrnout d\u00e1le celou \u0159adu dal\u0161\u00edch p\u0159ipoji\u0161t\u011bn\u00ed podle sv\u00fdch pot\u0159eb. Rozhodn\u011b si ale v\u017edy k cestovn\u00edmu poji\u0161t\u011bn\u00ed p\u0159iho\u010fte i <strong>poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/strong>, kter\u00e9 ve srovn\u00e1n\u00ed na RIXO.cz najdete v ka\u017ed\u00e9 nab\u00edzen\u00e9 variant\u011b poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><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<p class=\"wp-block-paragraph\">Pozor: V It\u00e1lii je na sjezdovk\u00e1ch u\u017e od roku 2022 poji\u0161t\u011bn\u00ed odpov\u011bdnosti povinn\u00e9 (<a href=\"https:\/\/www.rixo.cz\/blog\/na-lyze-do-italie\/\">pravidla pro ly\u017eov\u00e1n\u00ed v It\u00e1lii najdete zde<\/a>).&nbsp;<\/p>\n\n\n\n<h2 id=\"jaky-zasah-horske-sluzby-cestovni-pojisteni-nezaplati\" class=\"wp-block-heading\">Jak\u00fd z\u00e1sah horsk\u00e9 slu\u017eby cestovn\u00ed poji\u0161t\u011bn\u00ed nezaplat\u00ed?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ed cestou se seznamte i s v\u00fdlukami va\u0161eho cestovn\u00edho poji\u0161t\u011bn\u00ed. Poji\u0161\u0165ovna m\u016f\u017ee obecn\u011b pln\u011bn\u00ed odm\u00edtnout p\u0159i pojistn\u00e9 ud\u00e1losti, k n\u00ed\u017e do\u0161lo v souvislosti s konzumac\u00ed alkoholu, hrub\u00e9 nedbalosti nebo poru\u0161en\u00ed z\u00e1kazu a bezpe\u010dnostn\u00edch p\u0159edpis\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nutn\u00e9 je zde upozornit hlavn\u011b na <strong>z\u00e1kazy vstupu a uzav\u00edrky<\/strong> souvisej\u00edc\u00ed nap\u0159\u00edklad s <a href=\"https:\/\/www.rixo.cz\/blog\/co-delat-kdyz-se-riti-lavina\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/blog\/co-delat-kdyz-se-riti-lavina\/\">lavinov\u00fdm nebezpe\u010d\u00edm<\/a>. V\u011bdom\u00e9 poru\u0161en\u00ed varov\u00e1n\u00ed poji\u0161\u0165ovna pova\u017euje za hrubou nedbalost. Pokud tedy dobrodru\u017en\u00e1 v\u00fdprava na vlastn\u00ed p\u011bst do nebezpe\u010dn\u00e9 oblasti neskon\u010d\u00ed \u0161\u0165astn\u00fdm n\u00e1vratem do penzionu, budete muset zaplatit jak n\u00e1klady na z\u00e1chrannou akci horsk\u00e9 slu\u017eby, tak i na o\u0161et\u0159en\u00ed v m\u00edstn\u00ed nemocnici. S n\u00e1klady na o\u0161et\u0159en\u00ed ale m\u016f\u017ee pomoci (alespo\u0148 \u010d\u00e1ste\u010dn\u011b) EHIC &#8211; tedy karti\u010dka va\u0161eho zdravotn\u00edho poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cestovn\u00ed poji\u0161t\u011bn\u00ed d\u00e1le nemus\u00ed zaplatit v\u00fdjezdy horsk\u00e9 slu\u017eby, kter\u00e9 jsou z <strong>medic\u00ednsk\u00e9ho hlediska neopodstatn\u011bn\u00e9<\/strong>. V p\u0159\u00edpad\u011b, \u017ee pomoc horsk\u00e9 slu\u017eby vyu\u017e\u00edv\u00e1te jako \u201chorsk\u00e9 taxi\u201d, \u00fahradu n\u00e1klad\u016f od poji\u0161\u0165ovny ne\u010dekejte. V p\u0159\u00edpad\u011b, \u017ee se v hor\u00e1ch ztrat\u00edte, ale va\u0161e zdrav\u00ed ohro\u017eeno nen\u00ed, m\u016f\u017ee poji\u0161\u0165ovna pln\u011bn\u00ed odm\u00edtnout, n\u011bkter\u00e9 p\u0159\u00edpadn\u011b poskytuj\u00ed <strong>pln\u011bn\u00ed do sn\u00ed\u017een\u00e9ho limitu<\/strong>.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na jak\u00e9 dal\u0161\u00ed v\u00fdluky d\u00e1t pozor? P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek <a href=\"https:\/\/www.rixo.cz\/blog\/co-cestovni-pojisteni-nezaplati\/\">Co cestovn\u00ed poji\u0161t\u011bn\u00ed nezaplat\u00ed<\/a>.&nbsp;<\/p>\n\n\n\n<h2 id=\"proc-na-uhradu-zasahu-horske-sluzby-v-zahranici-nestaci-ehic\" class=\"wp-block-heading\">Pro\u010d na \u00fahradu z\u00e1sahu horsk\u00e9 slu\u017eby v zahrani\u010d\u00ed nesta\u010d\u00ed EHIC?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Karti\u010dka poji\u0161t\u011bnce v\u00e1m poskytuje p\u0159\u00edstup k nezbytn\u00e9 p\u00e9\u010di v syst\u00e9mu ve\u0159ejn\u00e9ho zdravotnictv\u00ed evropsk\u00fdch zem\u00ed. Proto\u017ee ale horsk\u00e9 slu\u017eby nepat\u0159\u00ed mezi zdravotnick\u00e1 za\u0159\u00edzen\u00ed a poskytovatele zdravotn\u00edch slu\u017eeb a jsou z\u0159\u00edzeny zpravidla jako spolky, nemohou po\u017eadovat ani \u00fahrady ze zdravotn\u00edho poji\u0161t\u011bn\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V n\u011bkter\u00fdch zem\u00edch a regionech (nap\u0159. Bavorsko, It\u00e1lie p\u0159i hospitalizaci) z\u00e1sah u zran\u011bn\u00e9ho hrad\u00ed ve\u0159ejn\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed, jen podle m\u00edstn\u00edch pravidel a s p\u0159\u00edpadnou spolu\u00fa\u010dast\u00ed. Neplat\u00ed to pro leteck\u00fd transport ani repatriaci.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zaj\u00edm\u00e1 v\u00e1s v\u00edc? Seznamte se i s dal\u0161\u00edmi rozd\u00edly v \u00fahrad\u00e1ch <a href=\"https:\/\/www.rixo.cz\/blog\/ehic-vs-cestovni-pojisteni\/\">EHIC a cestovn\u00edho poji\u0161t\u011bn\u00ed<\/a>.<\/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\/11\/zasah-horske-sluzby-cena-edited.jpg\" alt=\"z\u00e1sah horsk\u00e9 slu\u017eby cena\" class=\"wp-image-4802\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/11\/zasah-horske-sluzby-cena-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/11\/zasah-horske-sluzby-cena-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/11\/zasah-horske-sluzby-cena-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/11\/zasah-horske-sluzby-cena-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/11\/zasah-horske-sluzby-cena-edited-700x393.jpg 700w\" data-sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 id=\"jak-vybrat-cestovni-pojisteni-na-hory\" class=\"wp-block-heading\">Jak vybrat cestovn\u00ed poji\u0161t\u011bn\u00ed na hory?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i v\u00fdb\u011bru cestovn\u00edho poji\u0161t\u011bn\u00ed na hory do zahrani\u010d\u00ed si ohl\u00eddejte:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Limit l\u00e9\u010debn\u00fdch v\u00fdloh, p\u0159\u00edpadn\u011b sublimit pro z\u00e1chrann\u00e9 akce<\/strong>. Limit pro l\u00e9\u010debn\u00e9 v\u00fdlohy by m\u011bl dosahovat alespo\u0148 5 milion\u016f K\u010d.<\/li>\n\n\n\n<li><strong>Sporty<\/strong>. Pro n\u00e1ro\u010dn\u011bj\u0161\u00ed aktivity si sjednejte poji\u0161t\u011bn\u00ed rizikov\u00fdch sport\u016f.<\/li>\n\n\n\n<li><strong>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/strong>. Najdete ho v ka\u017ed\u00e9 variant\u011b poji\u0161t\u011bn\u00ed na RIXO.cz. V It\u00e1lii je na sjezdovk\u00e1ch povinn\u00e9.<\/li>\n\n\n\n<li><strong>V\u010dasn\u00e9 sjedn\u00e1n\u00ed<\/strong>. Poji\u0161t\u011bn\u00ed sjednejte p\u0159ed odjezdem, p\u0159i sjedn\u00e1n\u00ed po opu\u0161t\u011bn\u00ed \u010cR v\u00e1s poji\u0161t\u011bn\u00ed nemus\u00ed chr\u00e1nit hned od prvn\u00edho dne.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Na RIXO.cz si srovn\u00e1te cestovn\u00ed poji\u0161t\u011bn\u00ed online b\u011bhem minuty a rovnou si poji\u0161t\u011bn\u00ed m\u016f\u017eete sjednat. Asisten\u010dn\u00ed karti\u010dku v\u00e1m pak ihned nahrajeme do <a href=\"https:\/\/www.rixo.cz\/mobilni-aplikace\/\">aplikace RIXO<\/a>, abyste ji m\u011bli po ruce kdekoliv.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><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 id=\"nejcastejsi-dotazy\" class=\"wp-block-heading\">Nej\u010dast\u011bj\u0161\u00ed dotazy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kolik stoj\u00ed z\u00e1sah horsk\u00e9 slu\u017eby v zahrani\u010d\u00ed?<\/strong><br>Z\u00e1sah horsk\u00e9 slu\u017eby v alpsk\u00fdch zem\u00edch stoj\u00ed desetitis\u00edce a\u017e statis\u00edce korun. O cen\u011b rozhoduj\u00ed sazebn\u00edky jednotliv\u00fdch zem\u00ed nebo region\u016f a n\u00e1ro\u010dnost z\u00e1sahu &#8211; na cenu m\u016f\u017ee m\u00edt vliv po\u010det zapojen\u00fdch z\u00e1chran\u00e1\u0159\u016f, lokalita i nutn\u00e9 vybaven\u00ed pro z\u00e1chrannou akci.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Plat\u00ed se z\u00e1sah horsk\u00e9 slu\u017eby v \u010cesku?<\/strong><br>Pro \u010desk\u00e9 ob\u010dany, resp. poji\u0161t\u011bnce v syst\u00e9mu ve\u0159ejn\u00e9ho zdravotn\u00edho poji\u0161t\u011bn\u00ed \u010cR, je z\u00e1sah horsk\u00e9 slu\u017eby v \u010cR zdarma. Z\u00e1sah horsk\u00e9 slu\u017eby v \u010cR nicm\u00e9n\u011b pro cizince nen\u00ed bezplatn\u00fd ani s EHIC.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kryje EHIC z\u00e1sah horsk\u00e9 slu\u017eby v zahrani\u010d\u00ed?<\/strong><strong><br><\/strong>Zpravidla ne, pokud z\u00e1sahy horsk\u00e9 slu\u017eby nespadaj\u00ed do slu\u017eeb ve\u0159ejn\u00e9ho zdravotnictv\u00ed konkr\u00e9tn\u00edho st\u00e1tu. EHIC zaji\u0161\u0165uje nezbytnou p\u00e9\u010di v syst\u00e9mu zahrani\u010dn\u00edho ve\u0159ejn\u00e9ho zdravotnictv\u00ed \u0159ady evropsk\u00fdch st\u00e1t\u016f, horsk\u00e9 slu\u017eby ale nejsou poskytovatelem zdravotnick\u00fdch slu\u017eeb.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kryje cestovn\u00ed poji\u0161t\u011bn\u00ed i p\u00e1trac\u00ed akci?<\/strong><br>Z\u00e1le\u017e\u00ed na podm\u00ednk\u00e1ch konkr\u00e9tn\u00ed poji\u0161\u0165ovny. P\u00e1tr\u00e1n\u00ed po nezran\u011bn\u00e9m b\u00fdv\u00e1 v podm\u00ednk\u00e1ch upraveno zvl\u00e1\u0161\u0165, nap\u0159\u00edklad vlastn\u00edm limitem nebo zcela vylou\u010deno, aktu\u00e1ln\u00ed podm\u00ednky si p\u0159ed cestou v\u017edy ov\u011b\u0159te.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nahrad\u00ed \u010dlenstv\u00ed v Alpenverein cestovn\u00ed poji\u0161t\u011bn\u00ed?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ne zcela. Kryje z\u00e1chrann\u00e9 a p\u00e1trac\u00ed akce po cel\u00e9m sv\u011bt\u011b a\u017e do 25 000 \u20ac, ale rozsah l\u00e9\u010debn\u00fdch v\u00fdloh nen\u00ed dostate\u010dn\u00fd &#8211; limit l\u00e9\u010debn\u00fdch v\u00fdloh dosahuje pouze 10 000 \u20ac a kryje o\u0161et\u0159en\u00ed jen ve ve\u0159ejn\u00fdch zdravotnick\u00fdch za\u0159\u00edzen\u00edch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Jak\u00e9 \u010d\u00edslo volat p\u0159i nehod\u011b v hor\u00e1ch?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V EU t\u00eds\u0148ov\u00e9 \u010d\u00edslo 112, v \u010cesku p\u0159\u00edmo horskou slu\u017ebu na \u010d\u00edsle centr\u00e1ln\u00ed linky 1210. Polohu ode\u0161le tak\u00e9 aplikace Z\u00e1chranka.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kolik stoj\u00ed z\u00e1sah horsk\u00e9 slu\u017eby v Alp\u00e1ch, Tatr\u00e1ch i v \u010cesku? Co hrad\u00ed cestovn\u00ed poji\u0161t\u011bn\u00ed, kdy nesta\u010d\u00ed EHIC a na co si d\u00e1t pozor v podm\u00ednk\u00e1ch rozeb\u00edr\u00e1me pr\u00e1v\u011b v tomto \u010dl\u00e1nku.<\/p>\n","protected":false},"author":11,"featured_media":4797,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,10],"tags":[23],"class_list":["post-4795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-cestovni","tag-cestovni-pojisteni"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4795","targetHints":{"allow":["GET"]}}],"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=4795"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4795\/revisions"}],"predecessor-version":[{"id":4819,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4795\/revisions\/4819"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4797"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4795"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4795"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4795"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}