{"id":79737,"date":"2013-08-06T00:00:00","date_gmt":"2013-08-06T00:00:00","guid":{"rendered":"http:\/\/new-blog.sitata.com\/2013\/08\/06\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/"},"modified":"2020-09-08T09:35:28","modified_gmt":"2020-09-08T13:35:28","slug":"travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8","status":"publish","type":"post","link":"https:\/\/www.sitata.com\/hu\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/","title":{"rendered":"Utaz\u00e1si biztos\u00edt\u00e1s - T\u00e9nyleg sz\u00fcks\u00e9gem van r\u00e1, \u00e9s mire figyeljek?"},"content":{"rendered":"<h3 id=\"e3dd\" class=\"graf graf--h3 graf--leading graf--title\">Utaz\u00e1si biztos\u00edt\u00e1s - T\u00e9nyleg sz\u00fcks\u00e9gem van r\u00e1, \u00e9s mire figyeljek?<\/h3>\n<p id=\"4826\" class=\"graf graf--p graf-after--h3\">Sokan nem is gondolnak az utasbiztos\u00edt\u00e1s megk\u00f6t\u00e9s\u00e9re. Egy nemr\u00e9giben k\u00e9sz\u00fclt, a ny\u00e1ri utaz\u00e1sokr\u00f3l sz\u00f3l\u00f3 tanulm\u00e1ny szerint <a class=\"markup--anchor markup--p-anchor\" href=\"http:\/\/globalnews.ca\/news\/764070\/only-half-of-canadians-travel-with-health-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-href=\"http:\/\/globalnews.ca\/news\/764070\/only-half-of-canadians-travel-with-health-insurance\/\">az utaz\u00f3 kanadaiaknak csak a fele k\u00f6t t\u00e9nylegesen eg\u00e9szs\u00e9gbiztos\u00edt\u00e1st.<\/a> De biztos\u00edt\u00e1s n\u00e9lk\u00fcl utazni szerencsej\u00e1t\u00e9k - fenn\u00e1ll annak a vesz\u00e9lye, hogy elvesz\u00edti az \u00f6sszes poggy\u00e1sz\u00e1t, \u00e9s nem kap k\u00e1rt\u00e9r\u00edt\u00e9st, vagy az utols\u00f3 pillanatban kell lemondania az utaz\u00e1s\u00e1t, \u00e9s elvesz\u00edti az el\u0151re kifizetett utaz\u00e1si k\u00f6lts\u00e9geit, vagy ami a legrosszabb, hogy $100,000 USD-t kell fizetnie egy t\u00e1voli ter\u00fcletr\u0151l t\u00f6rt\u00e9n\u0151 orvosi evaku\u00e1l\u00e1s\u00e9rt.<\/p>\n<p id=\"8c40\" class=\"graf graf--p graf-after--p\">Az utasbiztos\u00edt\u00e1s k\u00f6telez\u0151. Ha valami t\u00f6rt\u00e9nne, legyen az orvosi v\u00e9szhelyzet vagy ak\u00e1r egy elveszett \u00fatlev\u00e9l, a biztos\u00edt\u00e1s megk\u00f6t\u00e9s\u00e9vel sok id\u0151t, p\u00e9nzt \u00e9s stresszt sp\u00f3rolhat meg mag\u00e1nak.<\/p>\n<p id=\"b3c6\" class=\"graf graf--p graf-after--figure\">A biztos\u00edt\u00e1sra minden utaz\u00f3nak gondolnia kell, de k\u00fcl\u00f6n\u00f6sen azoknak, akik hosszabb ideig tart\u00f3zkodnak k\u00fclf\u00f6ld\u00f6n, akik magas kock\u00e1zat\u00fa vagy vesz\u00e9lyes tev\u00e9kenys\u00e9get terveznek, \u00e9s azoknak, akik kr\u00f3nikus eg\u00e9szs\u00e9g\u00fcgyi probl\u00e9m\u00e1kkal k\u00fczdenek.<\/p>\n<p id=\"c39e\" class=\"graf graf--p graf-after--p\">H\u00e1romf\u00e9le biztos\u00edt\u00e1st k\u00f6thet az utaz\u00e1sra:<\/p>\n<ul class=\"postList\">\n<li id=\"d8fb\" class=\"graf graf--li graf-after--p\"><strong class=\"markup--strong markup--li-strong\">Utaz\u00e1si biztos\u00edt\u00e1s <\/strong>anyagilag v\u00e9di \u00d6nt, \u00e9s olyan dolgokra is kiterjed, mint az elveszett poggy\u00e1sz \u00e9s az utaz\u00e1s lemond\u00e1sa. Ez a fajta biztos\u00edt\u00e1s fedezheti, de nem felt\u00e9tlen\u00fcl fedezi az utaz\u00e1s sor\u00e1n felmer\u00fcl\u0151 orvosi k\u00f6lts\u00e9geket.<\/li>\n<li id=\"64d8\" class=\"graf graf--li graf-after--li\"><strong class=\"markup--strong markup--li-strong\">Utaz\u00e1si eg\u00e9szs\u00e9gbiztos\u00edt\u00e1s<\/strong> fedezi az orvosi k\u00f6lts\u00e9geket, ha azok nem tartoznak a szok\u00e1sos utasbiztos\u00edt\u00e1sa al\u00e1.<\/li>\n<li id=\"72cf\" class=\"graf graf--li graf-after--li\"><strong class=\"markup--strong markup--li-strong\">Orvosi evaku\u00e1l\u00e1si biztos\u00edt\u00e1s <\/strong>fedezi az orvosi evaku\u00e1l\u00e1st \u00e9s a legk\u00f6zelebbi megfelel\u0151 eg\u00e9szs\u00e9g\u00fcgyi int\u00e9zm\u00e9nybe t\u00f6rt\u00e9n\u0151 sz\u00e1ll\u00edt\u00e1st.<\/li>\n<\/ul>\n<p id=\"d198\" class=\"graf graf--p graf-after--li\">L\u00e9teznek r\u00f6vid t\u00e1v\u00fa utaz\u00e1si eg\u00e9szs\u00e9gbiztos\u00edt\u00e1sok, amelyek viszonylag olcs\u00f3k. Ha \u00d6n gyakori vagy hossz\u00fa t\u00e1v\u00fa utaz\u00f3, akkor \u00e9ves biztos\u00edt\u00e1si k\u00f6tv\u00e9nyeket vagy ak\u00e1r olyan biztos\u00edt\u00e1sokat is k\u00f6thet, amelyek fedezetet ny\u00fajtanak a hazautaz\u00e1sra.<\/p>\n<p id=\"85e4\" class=\"graf graf--p graf-after--p\">Az orvosi evaku\u00e1l\u00e1si fedezetet a r\u00f6vid vagy hossz\u00fa t\u00e1v\u00fa biztos\u00edt\u00e1sok tartalmazhatj\u00e1k, vagy k\u00fcl\u00f6n is megv\u00e1s\u00e1rolhat\u00f3. Az utaz\u00f3knak meg kell k\u00e9rdezni\u00fck az orvosi evaku\u00e1l\u00e1ssal foglalkoz\u00f3 t\u00e1rsas\u00e1gokat a c\u00e9l\u00e1llom\u00e1son rendelkez\u00e9sre \u00e1ll\u00f3 er\u0151forr\u00e1sokr\u00f3l, k\u00fcl\u00f6n\u00f6sen, ha t\u00e1voli ter\u00fcletekre terveznek l\u00e1togat\u00e1st.<\/p>\n<h4 id=\"fcdc\" class=\"graf graf--h4 graf-after--p\">Biztos\u00edt\u00e1si k\u00f6tv\u00e9ny v\u00e1s\u00e1rl\u00e1sa<\/h4>\n<p id=\"e4a5\" class=\"graf graf--p graf-after--figure\">Minden utasnak<strong class=\"markup--strong markup--p-strong\"> gondosan vizsg\u00e1lja fel\u00fcl a politik\u00e1kat<\/strong> v\u00e1s\u00e1rl\u00e1s el\u0151tt. Olvassa el az apr\u00f3 bet\u0171s r\u00e9szt! Egy kis kutat\u00e1ssal k\u00e9s\u0151bb sok p\u00e9nzt sp\u00f3rolhat meg.<\/p>\n<p id=\"bc2f\" class=\"graf graf--p graf-after--p\">A <a class=\"markup--anchor markup--p-anchor\" href=\"http:\/\/wwwnc.cdc.gov\/travel\/yellowbook\/2014\/chapter-2-the-pre-travel-consultation\/travel-insurance-travel-health-insurance-and-medical-evacuation-insurance\" target=\"_blank\" rel=\"noopener noreferrer\" data-href=\"http:\/\/wwwnc.cdc.gov\/travel\/yellowbook\/2014\/chapter-2-the-pre-travel-consultation\/travel-insurance-travel-health-insurance-and-medical-evacuation-insurance\">Betegs\u00e9gellen\u0151rz\u00e9si \u00e9s -megel\u0151z\u00e9si k\u00f6zpontok (CDC)<\/a>, itt van n\u00e9h\u00e1ny dolog, amit l\u00e1tni szeretne a biztos\u00edt\u00e1si k\u00f6tv\u00e9ny\u00e9ben:<\/p>\n<ul class=\"postList\">\n<li id=\"79ca\" class=\"graf graf--li graf-after--p\">K\u00f3rh\u00e1zakkal k\u00f6t\u00f6tt meg\u00e1llapod\u00e1sok a kifizet\u00e9sek k\u00f6zvetlen garant\u00e1l\u00e1s\u00e1r\u00f3l<\/li>\n<li id=\"ea08\" class=\"graf graf--li graf-after--li\">24 \u00f3r\u00e1s, orvos \u00e1ltal t\u00e1mogatott \u00fcgyf\u00e9lszolg\u00e1laton kereszt\u00fcl t\u00f6rt\u00e9n\u0151 seg\u00edts\u00e9gny\u00fajt\u00e1s (k\u00fcl\u00f6n\u00f6sen fontos az orvosi evaku\u00e1l\u00e1si biztos\u00edt\u00e1sok eset\u00e9ben).<\/li>\n<li id=\"92f3\" class=\"graf graf--li graf-after--li\">S\u00fcrg\u0151ss\u00e9gi orvosi sz\u00e1ll\u00edt\u00e1s a saj\u00e1t orsz\u00e1ggal egyen\u00e9rt\u00e9k\u0171 l\u00e9tes\u00edtm\u00e9nyekbe vagy mag\u00e1ba a saj\u00e1t orsz\u00e1gba.<\/li>\n<li id=\"42aa\" class=\"graf graf--li graf-after--li\">B\u00e1rmilyen k\u00fcl\u00f6nleges eg\u00e9szs\u00e9g\u00fcgyi szolg\u00e1ltat\u00e1s, amely a k\u00f6r\u00fclm\u00e9nyeikre vonatkozhat, p\u00e9ld\u00e1ul a nagy kock\u00e1zat\u00fa tev\u00e9kenys\u00e9gek fedez\u00e9se.<\/li>\n<\/ul>\n<p id=\"f98e\" class=\"graf graf--p graf-after--li\">Tudnia kell, hogy ha k\u00fclf\u00f6ld\u00f6n orvosi ell\u00e1t\u00e1sra van sz\u00fcks\u00e9ge, \u00e1ltal\u00e1ban k\u00e9szp\u00e9nzzel vagy hitelk\u00e1rty\u00e1val kell fizetnie a klinik\u00e1n vagy a k\u00f3rh\u00e1zban, f\u00fcggetlen\u00fcl att\u00f3l, hogy rendelkezik-e utasbiztos\u00edt\u00e1ssal vagy sem. Emellett m\u00e9g az utasbiztos\u00edt\u00e1ssal is el\u0151fordulhat, hogy v\u00e1ratlan k\u00e9sedelemmel kell szemben\u00e9znie az ell\u00e1t\u00e1sban, k\u00fcl\u00f6n\u00f6sen, ha t\u00e1voli helyekre l\u00e1togat.<\/p>\n<h4 id=\"4571\" class=\"graf graf--h4 graf-after--p\">Belf\u00f6ldi eg\u00e9szs\u00e9gbiztos\u00edt\u00e1s<\/h4>\n<p id=\"044d\" class=\"graf graf--p graf-after--h4\">Ha haz\u00e1j\u00e1ban belf\u00f6ldi eg\u00e9szs\u00e9gbiztos\u00edt\u00e1ssal rendelkezik, alaposan vizsg\u00e1lja meg a biztos\u00edt\u00e1si fedezetet, hogy ellen\u0151rizze, van-e v\u00e9delme, ha valami t\u00f6rt\u00e9nik az utaz\u00e1sa sor\u00e1n. \u00cdme n\u00e9h\u00e1ny dolog, amire \u00e9rdemes odafigyelnie a biztos\u00edt\u00e1si k\u00f6tv\u00e9ny\u00e9ben, szint\u00e9n a <a class=\"markup--anchor markup--p-anchor\" href=\"http:\/\/wwwnc.cdc.gov\/travel\/yellowbook\/2014\/chapter-2-the-pre-travel-consultation\/travel-insurance-travel-health-insurance-and-medical-evacuation-insurance\" target=\"_blank\" rel=\"noopener noreferrer\" data-href=\"http:\/\/wwwnc.cdc.gov\/travel\/yellowbook\/2014\/chapter-2-the-pre-travel-consultation\/travel-insurance-travel-health-insurance-and-medical-evacuation-insurance\">CDC<\/a>:<\/p>\n<ul class=\"postList\">\n<li id=\"c503\" class=\"graf graf--li graf-after--p\">Biztos\u00edtva lesz-e a teljes utaz\u00e1s id\u0151tartam\u00e1ra a fedezet<\/li>\n<li id=\"0ca8\" class=\"graf graf--li graf-after--li\">A m\u00e1r megl\u00e9v\u0151 eg\u00e9szs\u00e9g\u00fcgyi \u00e1llapotok s\u00falyosbod\u00e1s\u00e1nak kezel\u00e9s\u00e9re vonatkoz\u00f3 kiz\u00e1r\u00e1sok<\/li>\n<li id=\"cdd3\" class=\"graf graf--li graf-after--li\">A t\u00e1rsas\u00e1g \"h\u00e1l\u00f3zaton k\u00edv\u00fcli\" szolg\u00e1ltat\u00e1sokra vonatkoz\u00f3 politik\u00e1ja<\/li>\n<li id=\"460f\" class=\"graf graf--li graf-after--li\">Terhess\u00e9gi sz\u00f6v\u0151dm\u00e9nyekre (vagy \u00fajsz\u00fcl\u00f6ttre, k\u00fcl\u00f6n\u00f6sen, ha az \u00fajsz\u00fcl\u00f6tt intenz\u00edv ell\u00e1t\u00e1st ig\u00e9nyel) vonatkoz\u00f3 fedezet.<\/li>\n<li id=\"d42a\" class=\"graf graf--li graf-after--li\">Eg\u00e9szs\u00e9g\u00fcgyi evaku\u00e1l\u00e1sra vonatkoz\u00f3 fedezet<\/li>\n<li id=\"657a\" class=\"graf graf--li graf-after--li\">Kiz\u00e1r\u00e1sok az olyan magas kock\u00e1zat\u00fa tev\u00e9kenys\u00e9gek eset\u00e9ben, mint az ejt\u0151erny\u0151z\u00e9s, a b\u00fav\u00e1rkod\u00e1s \u00e9s a hegym\u00e1sz\u00e1s.<\/li>\n<li id=\"360d\" class=\"graf graf--li graf-after--li\">A pszichi\u00e1triai v\u00e9szhelyzetekre vagy terrort\u00e1mad\u00e1sokhoz vagy h\u00e1bor\u00fas cselekm\u00e9nyekhez kapcsol\u00f3d\u00f3 s\u00e9r\u00fcl\u00e9sekre vonatkoz\u00f3 kiz\u00e1r\u00e1sok<\/li>\n<li id=\"c244\" class=\"graf graf--li graf-after--li\">Sz\u00fcks\u00e9g van-e el\u0151zetes enged\u00e9lyez\u00e9sre a kezel\u00e9shez, k\u00f3rh\u00e1zi felv\u00e9telhez vagy egy\u00e9b szolg\u00e1ltat\u00e1sokhoz.<\/li>\n<li id=\"b5b5\" class=\"graf graf--li graf-after--li\">Sz\u00fcks\u00e9g van-e m\u00e1sodik v\u00e9lem\u00e9nyre a s\u00fcrg\u0151ss\u00e9gi ell\u00e1t\u00e1s ig\u00e9nybev\u00e9tele el\u0151tt?<\/li>\n<li id=\"9047\" class=\"graf graf--li graf-after--li\">Van-e 24 \u00f3r\u00e1s, orvos \u00e1ltal t\u00e1mogatott t\u00e1mogat\u00f3 k\u00f6zpont?<\/li>\n<\/ul>\n<h4 id=\"136c\" class=\"graf graf--h4 graf-after--li\">Jobb f\u00e9lni, mint megijedni!<\/h4>\n<p id=\"e3b3\" class=\"graf graf--p graf-after--h4\">V\u00e9gezet\u00fcl, m\u00e9g teljes k\u00f6r\u0171 biztos\u00edt\u00e1ssal is mindig biztons\u00e1gban kell utaznia!<\/p>\n<ul class=\"postList\">\n<li id=\"1a3f\" class=\"graf graf--li graf-after--p\">Haszn\u00e1lja a j\u00f3zan esz\u00e9t, legyen tiszt\u00e1ban a k\u00f6rnyezet\u00e9vel, \u00e9s ne v\u00e1llaljon felesleges kock\u00e1zatot.<\/li>\n<li id=\"a999\" class=\"graf graf--li graf-after--li\">Ker\u00fclje a nem biztons\u00e1gos \u00e9teleket \u00e9s italokat, az \u00e1llat- \u00e9s rovarcs\u00edp\u00e9seket, valamint a v\u00e9dekez\u00e9s n\u00e9lk\u00fcli szexet.<\/li>\n<li id=\"558a\" class=\"graf graf--li graf-after--li\">Vigye mag\u00e1val biztos\u00edt\u00e1si k\u00f6tv\u00e9nyeinek adatait, bele\u00e9rtve a biztos\u00edt\u00e1si k\u00f6tv\u00e9nyek azonos\u00edt\u00f3 k\u00e1rty\u00e1inak m\u00e1solat\u00e1t, az utaz\u00e1sra k\u00f6t\u00f6tt kieg\u00e9sz\u00edt\u0151 biztos\u00edt\u00e1sokat \u00e9s a biztos\u00edt\u00e1si k\u00e1rig\u00e9nyl\u0151lapokat.<\/li>\n<li id=\"ec1d\" class=\"graf graf--li graf-after--li\">K\u00e9sz\u00edtsen egy list\u00e1t a megl\u00e1togatni k\u00edv\u00e1nt ter\u00fcletek eg\u00e9szs\u00e9g\u00fcgyi int\u00e9zm\u00e9nyeir\u0151l, \u00e9s ezt is vigye mag\u00e1val.<\/li>\n<li id=\"ba21\" class=\"graf graf--li graf-after--li graf--trailing\">\u0150rizze meg a k\u00fclf\u00f6ld\u00f6n kapott orvosi ell\u00e1t\u00e1sr\u00f3l sz\u00f3l\u00f3 sz\u00e1ml\u00e1k \u00e9s nyugt\u00e1k m\u00e1solat\u00e1t.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Utaz\u00e1si biztos\u00edt\u00e1s - T\u00e9nyleg sz\u00fcks\u00e9gem van r\u00e1, \u00e9s mire figyeljek? Sokan nem is gondolnak arra, hogy utasbiztos\u00edt\u00e1st k\u00f6ssenek. Egy nemr\u00e9giben k\u00e9sz\u00fclt, a ny\u00e1ri utaz\u00e1sokr\u00f3l sz\u00f3l\u00f3 tanulm\u00e1ny szerint az utaz\u00f3 kanadaiaknak csak a fele k\u00f6t val\u00f3j\u00e1ban eg\u00e9szs\u00e9gbiztos\u00edt\u00e1st. De biztos\u00edt\u00e1s n\u00e9lk\u00fcl utazni szerencsej\u00e1t\u00e9k - fenn\u00e1ll a vesz\u00e9lye, hogy elvesz\u00edtheti az \u00f6sszes poggy\u00e1sz\u00e1t [...].<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categories":[105,156,20],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Travel Insurance\u200a\u2014\u200aDo I really need it and what should I look\u00a0for? - Sitata<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sitata.com\/hu\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Travel Insurance\u200a\u2014\u200aDo I really need it and what should I look\u00a0for? - Sitata\" \/>\n<meta property=\"og:description\" content=\"Travel Insurance\u200a\u2014\u200aDo I really need it and what should I look\u00a0for? A lot of people don\u2019t even think about getting travel insurance. A recent study on summer travel found that only half of Canadians who travel actually purchase medical insurance. 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