{"id":111530,"date":"2023-04-12T11:01:56","date_gmt":"2023-04-12T15:01:56","guid":{"rendered":"https:\/\/www.sitata.com\/?page_id=111530"},"modified":"2023-05-23T19:25:20","modified_gmt":"2023-05-23T23:25:20","slug":"what-is-an-insurance-policy-a-beginners-guide","status":"publish","type":"page","link":"https:\/\/www.sitata.com\/nb\/hva-er-en-forsikringspolise-en-nybegynner-guide\/","title":{"rendered":"Hva er en forsikringspolise? - En veiledning for nybegynnere"},"content":{"rendered":"[et_pb_section fb_built=\"1\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" use_background_color_gradient=\"on\" background_color_gradient_stops=\"#26343e 56%|#ffffff 100%\" background_image=\"https:\/\/www.sitata.com\/wp-content\/uploads\/2023\/03\/charlotte-noelle-98WPMlTl5xo-unsplash.jpg\" background_blend=\"screen\" min_height=\"400px\" da_disable_devices=\"off|off|off\" saved_tabs=\"all\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row _builder_version=\"4.20.2\u2033 _module_preset=\"default\" width=\"100%\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"default\" header_font=\"|700|||||||\" header_text_color=\"#FFFFFF\" header_font_size=\"2rem\" background_color=\"rgba(38,52,62,0.5)\" custom_margin=\"0px|0px|0px|0px|0px|false|false\" custom_padding=\"20px|20px|0px|20px|false|false|false\" global_colors_info=\"{}\"]

SITATA FORSIKRINGSAKADEMI<\/h1>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"default\" header_font=\"|700|||||||\" header_text_color=\"#FFFFFF\" header_font_size=\"3rem\" background_color=\"rgba(38,52,62,0.5)\" custom_margin=\"0px|0px|0px|0px|0px|false|false\" custom_padding=\"10px|20px|20px|20px|false|false\" header_text_shadow_style=\"preset2\u2033 global_colors_info=\"{}\"]]

HVA ER EN FORSIKRINGSPOLISE?<\/span> - EN VEILEDNING FOR NYBEGYNNERE<\/h1>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" da_disable_devices=\"off|off|off\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row column_structure=\"2_5,3_5\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"2_5\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/lets-travel-insurance.jpg\" title_text=\"lets-travel-insurance\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" max_height=\"347px\" global_colors_info=\"{}\"][\/et_pb_image][\/et_pb_column][et_pb_column type=\"3_5\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\u201ddefault\u201d global_colors_info=\u201d{}\u201d][et_pb_text _builder_version=\u201d4.20.2\u2033 _module_preset=\u201d66e09942-4c7f-4e61-88bf-f4afb1ad30e4\u2033 text_font=\u201d|300|||||||\u201d text_font_size=\u201d1.5rem\u201d text_line_height=\u201d1.8rem\u201d global_colors_info=\u201d{}\u201d]

Selv om det kan v\u00e6re vanskelig \u00e5 forst\u00e5, er forsikring avgj\u00f8rende for \u00e5 beskytte \u00f8konomien din (dine hardt opptjente feriepenger!) og planlegge fremover. Denne artikkelen vil grundig forklare hva en forsikring inneb\u00e6rer og de viktigste ideene du trenger \u00e5 forst\u00e5 for \u00e5 velge dekning med omhu.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_margin=\"|auto|40px|auto||\" locked=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.19.5\u2033 _module_preset=\u201ddefault\u201d global_colors_info=\u201d{}\u201d][et_pb_text _builder_version=\u201d4.20.2\u2033 _module_preset=\u201d40b587d8-3a29-4472-9390-93da297e869e\u201d global_colors_info=\u201d{}\u201d]

Innledning<\/span><\/h3>\n

En forsikringspolise er en kontrakt mellom forsikringstakeren og forsikringsselskapet. Til gjengjeld for at forsikringstakeren betaler en premie, tilbyr forsikringsselskapet \u00f8konomisk beskyttelse eller refusjon i tilfelle tap eller skade. Med reiseforsikring kan forsikringspolisen ogs\u00e5 komme med tilleggstjenester som ikke er forsikringstjenester, for eksempel en assistansetjeneste som kan hjelpe deg i en n\u00f8dsituasjon - og hos Sitata gj\u00f8r vi mye mer enn det! \u00c5 ta veloverveide valg om din \u00f8konomiske beskyttelse og dekning krever en grundig forst\u00e5else av forsikringsprodukter.\u00a0<\/span><\/p>\n

Politisk dekning<\/span><\/h3>\n

Den beskyttelsen eller kompensasjonen en forsikring gir, kalles forsikringsdekning. Den kan variere avhengig av ulike elementer, blant annet type forsikring, premien og andre vilk\u00e5r og betingelser. For \u00e5 kunne vurdere hvilken dekning du trenger, m\u00e5 du ha kunnskap om forsikringens dekning og hvilke risikoer du kan bli utsatt for p\u00e5 reisen.\u00a0<\/span><\/p>\n

Premie<\/span><\/h3>\n

Premien er summen forsikringstakeren betaler for \u00e5 f\u00e5 forsikringsdekning. Ved beregning av premien tas det hensyn til forsikringstakerens alder, helse, livsstil, reisem\u00e5l og dekningsniv\u00e5. Man m\u00e5 betale premiene i tide for \u00e5 holde forsikringen i kraft og motta dekning n\u00e5r det er n\u00f8dvendig.\u00a0<\/span><\/p>\n

Egenandel<\/span><\/h3>\n

En egenandel er det bel\u00f8pet forsikringstakeren m\u00e5 betale av egen lomme f\u00f8r forsikringsdekningen trer i kraft. Dette kan p\u00e5virke forsikringsdekningen, med lavere egenandeler som resulterer i h\u00f8yere premier og h\u00f8yere egenandeler som resulterer i lavere premier. Det er viktig \u00e5 forst\u00e5 egenandeler n\u00e5r du tar beslutninger om dekningen din.<\/span><\/p>\n

Kravprosess<\/span><\/h3>\n

Metoden for \u00e5 be forsikringsleverand\u00f8ren om erstatning eller beskyttelse i tilfelle tap eller skade er kjent som skadeprosessen. \u00c5 varsle forsikringsselskapet om tapet eller skaden, levere bevis p\u00e5 tapet, vente p\u00e5 at forsikringsselskapet skal unders\u00f8ke kravet og f\u00e5 utbetalt penger eller beskyttelse hvis kravet innvilges, er alle trinn i skadeprosessen. Lengden p\u00e5 skadebehandlingsprosessen kan variere avhengig av type forsikring og hvor komplisert kravet er. Det er alltid best \u00e5 sende inn et krav s\u00e5 raskt som mulig etter at tapet har oppst\u00e5tt.<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u201d1_2,1_2\u2033 _builder_version=\u201d4.20.2\u2033 _module_preset=\"default\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" border_radii=\"on|15px|15px|15px|15px|15px\" border_color_all=\"#E1B876\u2033 border_width_all=\"2px\" custom_padding=\"25px|25px|25px|25px|false|false\" sticky_enabled=\"0\u2033 admin_label=\"callout\" global_module=\"112363\u2033 saved_tabs=\"all\"][et_pb_column type=\"1_2\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/02\/excited-airport.png\" alt=\"Overskriftsbilde av begeistrede reisende p\u00e5 flyplassen for en bekymringsfri reise med reiseforsikring\" title_text=\"excited-airport\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][\/et_pb_image][\/et_pb_column][et_pb_column type=\"1_2\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\u201ddefault\u201d global_colors_info=\u201d{}\u201d][et_pb_text _builder_version=\u201d4.20.2\u2033 _module_preset=\u201d66e09942-4c7f-4e61-88bf-f4afb1ad30e4\u2033 global_colors_info=\u201d{}\u201d]

Klar til \u00e5 g\u00e5?<\/h1>\n

Tid til Beskytt reisen din<\/span><\/strong><\/h1>[\/et_pb_text][et_pb_text _builder_version=\u201d4.20.2\u2033 _module_preset=\u201d66e09942-4c7f-4e61-88bf-f4afb1ad30e4\u2033 hover_enabled=\u201d0\u2033 global_colors_info=\u201d{}\u201d text_font_size=\u201d1.5rem\u201d sticky_enabled=\u201d0\u2033]

Sitatas reiseforsikring er s\u00e5 mye mer. 24\/7\/365 chat-assistanse, sanntidsvarsler om avbrudd og sikkerhet, flysporing, telemedisin, raske digitale skadeutbetalinger og listen fortsetter... alt for at du skal kunne reise uten bekymringer. S\u00e5 hva venter du p\u00e5?<\/p>[\/et_pb_text][et_pb_button button_text=\"Check Pricing\" _builder_version=\"4.20.2\u2033 _module_preset=\"01b458d8-4fdc-4ba5-9b17-00796f37ec71\u2033 hover_enabled=\"0\u2033 sticky_enabled=\"0\u2033 button_url=\"https:\/\/www.sitata.com\/for-your-trip\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\"4.20.2\u2033 _module_preset=\u201ddefault\u201d][et_pb_column _builder_version=\u201d4.20.2\u2033 _module_preset=\u201ddefault\u201d type=\u201d4_4\u2033][et_pb_text _builder_version=\u201d4.20.2\u2033 _module_preset=\u201d40b587d8-3a29-4472-9390-93da297e869e\u201d global_colors_info=\u201d{}\u201d]

Overskudd<\/span><\/h3>\n

Bel\u00f8pet som forsikringstakeren selv m\u00e5 betale ved en skade, uavhengig av skadens st\u00f8rrelse, kalles egenandel. I likhet med en egenandel kan egenandelsbel\u00f8pet endres basert p\u00e5 variabler, inkludert type forsikring og dekningsniv\u00e5.<\/span><\/p>\n

Utelukkelser<\/span><\/h3>\n

Utelukkelser refererer til omstendigheter eller hendelser som ikke dekkes av forsikringen. Eksempler p\u00e5 unntak er eksisterende medisinske tilstander, forsettlige handlinger og visse naturkatastrofer. Det er viktig \u00e5 forst\u00e5 unntakene for \u00e5 vite hva som dekkes og ikke dekkes av forsikringen.<\/span><\/p>\n

Forsikringstakernes rettigheter og ansvar<\/span><\/h3>\n

Forsikringstakerens rettigheter omfatter retten til \u00e5 motta beskyttelse og refusjon, mens forsikringstakerens ansvar omfatter \u00e5 rapportere krav, betale premier og gi n\u00f8yaktig informasjon. Det er viktig \u00e5 forst\u00e5 disse rettighetene og pliktene for \u00e5 f\u00e5 mest mulig ut av forsikringsdekningen og unng\u00e5 tvister med forsikringsselskapet.<\/span><\/p>\n

Datoer for dekning<\/span><\/h3>\n

Begrepet \"dekningsdatoer\" beskriver den n\u00f8yaktige tidsrammen for n\u00e5r forsikringen er i kraft. Det er viktig \u00e5 kjenne dekningsdatoene for \u00e5 fastsl\u00e5 n\u00e5r forsikringen er i kraft og n\u00e5r ulike typer dekning tilbys.<\/span><\/p>\n

Definisjoner<\/span><\/h3>\n

Definisjoner viser til avklaringer av viktige begreper som brukes i forsikringspolisen. Det er viktig \u00e5 forst\u00e5 disse definisjonene for \u00e5 vite hva som menes med begreper som \"forsikringsdekning\" og \"egenandel\".<\/span><\/p>\n

Et forsikringsdokument vil alltid ha et avsnitt med definisjoner - vanligvis p\u00e5 slutten av dokumentet. Definisjoner forklarer ganske enkelt viktige begreper som brukes i forsikringspolisen. Du b\u00f8r gj\u00f8re ditt beste for \u00e5 forst\u00e5 disse definisjonene, slik at du vet hva ord som \"egenandel\" eller \"dekket \u00e5rsak\" betyr. Ofte ligger \"djevelen i disse detaljene\".<\/span><\/p>\n

Oversikt over ytelser<\/span><\/h3>\n

Ytelsesoversikten er en detaljert liste over hvilken beskyttelse eller refusjon polisen gir. Det er viktig \u00e5 forst\u00e5 ytelsesoversikten for \u00e5 vite hvilken beskyttelse eller refusjon som er tilgjengelig i tilfelle tap eller skade.<\/span><\/p>\n

Hva er forskjellen mellom en egenandel og en egenandel?\u00a0<\/span><\/h3>\n

Ytelsesoversikten er en detaljert liste over hvilken beskyttelse eller refusjon polisen gir.<\/span><\/p>\n

B\u00e5de egenandelen og egenandelen er f\u00f8rst og fremst ment \u00e5 beskytte forsikringsselskapet mot hyppige eller grunnl\u00f8se krav. Folk blir generelt mer uansvarlige etter at de har kj\u00f8pt en forsikring, siden de vet at de vil motta erstatning fra forsikringsselskapet i tilfelle en ulykke. For \u00e5 unng\u00e5 denne typen atferd brukes ofte en egenandel eller egenandel.\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Den viktigste forskjellen er som f\u00f8lger:<\/span><\/p>\n

    \n
  • En egenandel er et bel\u00f8p som en forsikringstaker m\u00e5 betale f\u00f8r forsikringsselskapet p\u00e5tar seg noe ansvar (opp til det totale forsikringsbel\u00f8pet).<\/span><\/li>\n
  • En egenandel er et bel\u00f8p som forsikringsselskapet holder tilbake fra erstatningsbel\u00f8pet som gis til forsikringstakeren.<\/span><\/li>\n<\/ul>\n

    \u00a0<\/span><\/p>\n

    La oss for eksempel anta at en polise har en forsikringssum p\u00e5 $1000 og et\u00a0<\/span>overskudd<\/span><\/em><\/strong>\u00a0p\u00e5 $100. hvis tapet for forsikringstakeren er $500, vil forsikringsselskapet betale 500 - 100 = $400. Hvis tapet for forsikringstakeren er $1500, vil forsikringsselskapet betale $1000 (siden det er det maksimale bel\u00f8pet forsikringsselskapet kan betale).<\/span><\/p>\n

    \u00a0<\/span><\/p>\n

    La oss n\u00e5 se p\u00e5 det samme scenariet, men anta en\u00a0<\/span>egenandel<\/span><\/em><\/strong>\u00a0p\u00e5 $100. I denne situasjonen, hvis tapet for forsikringstakeren er $500, vil forsikringsselskapet betale 500 - 100 = $400. Hvis tapet for forsikringstakeren er $1500, vil forsikringsselskapet betale 1000 - 100 = $900 (dvs. forsikringssum minus egenandel).<\/span><\/p>\n

    tabellen over ytelser er viktig for \u00e5 vite hvilken beskyttelse eller refusjon som er tilgjengelig i tilfelle tap eller skade.<\/span><\/p>\n

     <\/p>\n

    Konklusjon<\/span><\/h3>\n

    Avslutningsvis er det avgj\u00f8rende \u00e5 forst\u00e5 forsikringspoliser for \u00e5 kunne ta informerte beslutninger om dekning og beskyttelse. Denne veiledningen har gitt en oversikt over n\u00f8kkelbegreper som forsikringsdekning, premier, egenandeler, skadebehandling, unntak, forsikringstakerens rettigheter og ansvar, dekningsdato, definisjoner og oversikt over ytelser. N\u00e5r du tar beslutninger om forsikringsdekningen din, m\u00e5 du samarbeide med en erfaren forsikringsgiver og s\u00f8ke kunnskap om forsikringspoliser som er avgj\u00f8rende for \u00e5 ta beslutninger om din beskyttelse og dekning.\u00a0<\/span><\/p>\n

    Hos Sitata er vi bare en enkel samtale unna for \u00e5 hjelpe deg med \u00e5 forst\u00e5 hvilken type dekning som kan v\u00e6re viktig for deg. La oss fortsette v\u00e5r reise i reiseforsikring ved \u00e5 l\u00e6re om hvilke typer reiseforsikringer som er tilgjengelige.<\/span><\/p>\n

    \u00a0<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_4,1_4,1_4,1_4\u2033 admin_label=\"navigation\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" locked=\"off\" global_colors_info=\"{}\"][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_padding=\"5px|5px|5px|5px|5px|false|false\" border_radii=\"on|3px|3px|3px|3px|3px\" border_width_all=\"1px\" border_color_all=\"#26343E\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/astjohn_an_image_of_a_traveler_feeling_at_ease_and_secure_with__603dd112-9fbe-496f-ba53-b1aca97cf795-min.png\" title_text=\"astjohn_an_image_of_a_traveler_feeling_at_ease_and_secure_with__603dd112-9fbe-496f-ba53-b1aca97cf795-min\" show_bottom_space=\"off\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" global_colors_info=\"{}\"][\/et_pb_image][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"40b587d8-3a29-4472-9390-93da297e869e\" text_orientation=\"right\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" global_colors_info=\"{}\"]]

    G\u00e5 tilbake til...<\/p>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _dynamic_attributes=\"link_option_url\" _module_preset=\"default\" text_font=\"||||||||\" link_option_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMTQ2NiJ9fQ==@\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" text_text_color=\"#0C71C3\u2033 sticky_enabled=\"0\u2033]

    Hva er reiseforsikring og hvorfor du trenger den<\/span><\/p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][\/et_pb_column][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][\/et_pb_column][et_pb_column type=\"1_4\u2033 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_padding=\"5px|5px|5px|5px|5px|false|false\" border_radii=\"on|3px|3px|3px|3px|3px\" border_width_all=\"1px\" border_color_all=\"#26343E\" global_colors_info=\"{}\"][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/multi-trip-type.jpg\" title_text=\"multi-trip-type\" show_bottom_space=\"off\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033][\/et_pb_image][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"40b587d8-3a29-4472-9390-93da297e869e\" text_orientation=\"right\" custom_margin=\"||0px|||false|false\" custom_padding=\"||0px||false|false\" global_colors_info=\"{}\"]]

    Neste...<\/p>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _dynamic_attributes=\"link_option_url\" _module_preset=\"default\" text_font=\"||||||||\" text_orientation=\"right\" link_option_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMTU0NCJ9fQ==@\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" text_text_color=\"#0C71C3\u2033 sticky_enabled=\"0\u2033]

    Typer reiseforsikring<\/span><\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\u2033 admin_label=\"Section\" _builder_version=\"4.19.5\u2033 _module_preset=\"default\" background_color=\"#ffefd6\u2033 background_image=\"https:\/\/blog.sitata.com\/wp-content\/uploads\/2023\/02\/continents-min.png\" custom_padding=\"140px||140px||false|false\" da_disable_devices=\"off|off|off\" global_colors_info=\"{}\" da_is_popup=\"off\" da_exit_intent=\"off\" da_has_close=\"on\" da_alt_close=\"off\" da_dark_close=\"off\" da_not_modal=\"on\" da_is_singular=\"off\" da_with_loader=\"off\" da_has_shadow=\"on\"][et_pb_row _builder_version=\"4.19.5\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\u2033 _builder_version=\"4.19.5\u2033 _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_code admin_label=\"headline\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" text_orientation=\"center\" module_alignment=\"center\" custom_margin=\"0px||0px||false|false\" scroll_vertical_motion_enable=\"on\" scroll_vertical_motion=\"0|43|43|100|4|0|0|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"bottom\" global_colors_info=\"{}\"]

    Hva om reiseforsikringen din faktisk hjulpet deg med \u00e5 f\u00e5 en smidigere reise?<\/span><\/h1>[\/et_pb_code][et_pb_text _builder_version=\"4.19.5\u2033 _module_preset=\"301fdfa3-009a-42fe-8b20-657927fbb5c5\u2033 text_orientation=\"center\" max_width=\"100%\" scroll_vertical_motion_enable=\"on\" scroll_vertical_motion=\"0|42|42|100|4|0|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"bottom\" global_colors_info=\"{}\"]

    Se hvorfor tusenvis av reisende velger Sitata n\u00e5r de er ute og reiser.<\/span><\/p>[\/et_pb_text][et_pb_button button_url=\"#open-chat\" button_text=\"Velg Sitata n\u00e5\" button_alignment=\"center\" button_alignment_tablet=\"center\" button_alignment_phone=\"center\" button_alignment_last_edited=\"on|tablet\" _builder_version=\"4.20.2\u2033 _module_preset=\u201d01b458d8-4fdc-4ba5-9b17-00796f37ec71\u2033 custom_margin=\"25px||||false|false\" animation_direction=\"bottom\" scroll_vertical_motion_enable=\"on\" scroll_vertical_motion=\"0|43|43|100|4|0|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"top\" global_colors_info=\"{}\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]","protected":false},"excerpt":{"rendered":"

    Denne artikkelen gir en grundig oversikt over forsikringspoliser og tar for seg viktige temaer som dekning, premier, egenandeler, skadebehandling, unntak, rettigheter og plikter som forsikringstaker, dekningsdatoer, definisjoner og ytelser. Den hjelper leserne med \u00e5 ta veloverveide valg n\u00e5r det gjelder dekning og beskyttelse, noe som gj\u00f8r den ideell for nybegynnere.<\/p>","protected":false},"author":15,"featured_media":112334,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"folder":[455],"yoast_head":"\nWhat is an Insurance Policy? - A Beginner's Guide<\/title>\n<meta name=\"description\" content=\"Know the insurance related terms such as Insurance Policy, Premiums, Deductibles, Excess, Exclusions, Schedule of Benefits and many more.\" \/>\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\/nb\/hva-er-en-forsikringspolise-en-nybegynner-guide\/\" \/>\n<meta property=\"og:locale\" content=\"nb_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is an Insurance Policy? 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