{"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\/pl\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/","title":{"rendered":"Ubezpieczenie podr\u00f3\u017cne - Czy naprawd\u0119 go potrzebuj\u0119 i na co zwr\u00f3ci\u0107 uwag\u0119?"},"content":{"rendered":"<h3 id=\"e3dd\" class=\"graf graf--h3 graf--leading graf--title\">Ubezpieczenie podr\u00f3\u017cne - Czy naprawd\u0119 go potrzebuj\u0119 i na co zwr\u00f3ci\u0107 uwag\u0119?<\/h3>\n<p id=\"4826\" class=\"graf graf--p graf-after--h3\">Wiele os\u00f3b nawet nie my\u015bli o tym, by zaopatrzy\u0107 si\u0119 w ubezpieczenie podr\u00f3\u017cne. Ostatnie badanie dotycz\u0105ce letnich podr\u00f3\u017cy wykaza\u0142o, \u017ce <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\/\">tylko po\u0142owa Kanadyjczyk\u00f3w, kt\u00f3rzy podr\u00f3\u017cuj\u0105, wykupuje ubezpieczenie medyczne.<\/a> Ale podr\u00f3\u017cowanie bez ubezpieczenia to ryzyko - ryzykujesz utrat\u0119 ca\u0142ego baga\u017cu i brak odszkodowania, lub konieczno\u015b\u0107 odwo\u0142ania podr\u00f3\u017cy w ostatniej chwili i utrat\u0119 op\u0142aconych z g\u00f3ry koszt\u00f3w podr\u00f3\u017cy, lub co najgorsze konieczno\u015b\u0107 zap\u0142aty $100,000 US za ewakuacj\u0119 medyczn\u0105 z odleg\u0142ego miejsca.<\/p>\n<p id=\"8c40\" class=\"graf graf--p graf-after--p\">Ubezpieczenie podr\u00f3\u017cne jest konieczno\u015bci\u0105. Je\u015bli co\u015b by si\u0119 sta\u0142o, czy to nag\u0142y wypadek medyczny, czy nawet zgubienie paszportu, mo\u017cesz potencjalnie zaoszcz\u0119dzi\u0107 sobie wiele czasu, pieni\u0119dzy i stresu, wykupuj\u0105c ubezpieczenie.<\/p>\n<p id=\"b3c6\" class=\"graf graf--p graf-after--figure\">O ubezpieczeniu powinni pomy\u015ble\u0107 wszyscy podr\u00f3\u017cuj\u0105cy, ale szczeg\u00f3lnie ci, kt\u00f3rzy b\u0119d\u0105 przebywa\u0107 za granic\u0105 przez d\u0142u\u017cszy czas, ci, kt\u00f3rzy planuj\u0105 anga\u017cowa\u0107 si\u0119 w dzia\u0142ania wysokiego ryzyka lub niebezpieczne, a tak\u017ce ci, kt\u00f3rzy maj\u0105 przewlek\u0142e schorzenia.<\/p>\n<p id=\"c39e\" class=\"graf graf--p graf-after--p\">Istniej\u0105 trzy rodzaje ubezpiecze\u0144, kt\u00f3re mo\u017cna wykupi\u0107 na wyjazd:<\/p>\n<ul class=\"postList\">\n<li id=\"d8fb\" class=\"graf graf--li graf-after--p\"><strong class=\"markup--strong markup--li-strong\">Ubezpieczenie podr\u00f3\u017cne <\/strong>chroni Ci\u0119 finansowo i obejmuje takie rzeczy jak zagubienie baga\u017cu czy rezygnacja z podr\u00f3\u017cy. Ten rodzaj ubezpieczenia mo\u017ce, ale nie musi pokrywa\u0107 koszt\u00f3w leczenia podczas podr\u00f3\u017cy.<\/li>\n<li id=\"64d8\" class=\"graf graf--li graf-after--li\"><strong class=\"markup--strong markup--li-strong\">Ubezpieczenie zdrowotne w podr\u00f3\u017cy<\/strong> pokrywa koszty leczenia, je\u015bli nie s\u0105 one pokryte w ramach zwyk\u0142ego ubezpieczenia podr\u00f3\u017cnego.<\/li>\n<li id=\"72cf\" class=\"graf graf--li graf-after--li\"><strong class=\"markup--strong markup--li-strong\">Ubezpieczenie ewakuacji medycznej <\/strong>obejmuje ewakuacj\u0119 medyczn\u0105 i transport do najbli\u017cszej odpowiedniej plac\u00f3wki medycznej.<\/li>\n<\/ul>\n<p id=\"d198\" class=\"graf graf--p graf-after--li\">Dost\u0119pne s\u0105 kr\u00f3tkoterminowe polisy ubezpieczenia zdrowotnego dla podr\u00f3\u017cnych, kt\u00f3re s\u0105 stosunkowo niedrogie. Osoby cz\u0119sto lub d\u0142ugo podr\u00f3\u017cuj\u0105ce mog\u0105 wykupi\u0107 polisy roczne lub nawet takie, kt\u00f3re zapewniaj\u0105 pokrycie koszt\u00f3w repatriacji do kraju.<\/p>\n<p id=\"85e4\" class=\"graf graf--p graf-after--p\">Pokrycie koszt\u00f3w ewakuacji medycznej mo\u017ce by\u0107 zawarte w polisach kr\u00f3tkoterminowych lub d\u0142ugoterminowych, lub mo\u017ce by\u0107 wykupione oddzielnie. Podr\u00f3\u017cni powinni zapyta\u0107 firmy zajmuj\u0105ce si\u0119 ewakuacj\u0105 medyczn\u0105 o ich zasoby w miejscu docelowym, zw\u0142aszcza je\u015bli planuj\u0105 odwiedzi\u0107 odleg\u0142e obszary.<\/p>\n<h4 id=\"fcdc\" class=\"graf graf--h4 graf-after--p\">Zakup polisy<\/h4>\n<p id=\"e4a5\" class=\"graf graf--p graf-after--figure\">Wszyscy podr\u00f3\u017cni powinni<strong class=\"markup--strong markup--p-strong\"> dokonywa\u0107 starannego przegl\u0105du polityk<\/strong> przed zakupem. Przeczytaj drobny druk! Troch\u0119 bada\u0144 teraz mo\u017ce zaoszcz\u0119dzi\u0107 mn\u00f3stwo pieni\u0119dzy p\u00f3\u017aniej.<\/p>\n<p id=\"bc2f\" class=\"graf graf--p graf-after--p\">Wed\u0142ug. <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\">Centra Kontroli i Prewencji Chor\u00f3b (CDC)<\/a>Oto kilka rzeczy, kt\u00f3re chcesz zobaczy\u0107 w swojej polisie:<\/p>\n<ul class=\"postList\">\n<li id=\"79ca\" class=\"graf graf--li graf-after--p\">Porozumienia ze szpitalami w celu bezpo\u015bredniego zagwarantowania p\u0142atno\u015bci<\/li>\n<li id=\"ea08\" class=\"graf graf--li graf-after--li\">Pomoc za po\u015brednictwem ca\u0142odobowego centrum wsparcia wspieranego przez lekarzy (szczeg\u00f3lnie wa\u017cne w przypadku ubezpieczenia ewakuacji medycznej)<\/li>\n<li id=\"92f3\" class=\"graf graf--li graf-after--li\">Transport medyczny w nag\u0142ych przypadkach do plac\u00f3wek r\u00f3wnowa\u017cnych plac\u00f3wkom w kraju ojczystym lub do samego kraju ojczystego<\/li>\n<li id=\"42aa\" class=\"graf graf--li graf-after--li\">Wszelkie szczeg\u00f3lne us\u0142ugi medyczne, kt\u00f3re mog\u0105 mie\u0107 zastosowanie w ich przypadku, takie jak pokrycie koszt\u00f3w dzia\u0142a\u0144 wysokiego ryzyka<\/li>\n<\/ul>\n<p id=\"f98e\" class=\"graf graf--p graf-after--li\">Nale\u017cy pami\u0119ta\u0107, \u017ce w przypadku konieczno\u015bci skorzystania z opieki medycznej za granic\u0105, zazwyczaj trzeba b\u0119dzie zap\u0142aci\u0107 got\u00f3wk\u0105 lub kart\u0105 kredytow\u0105 w klinice lub szpitalu, niezale\u017cnie od tego, czy posiadamy ubezpieczenie podr\u00f3\u017cne, czy nie. Ponadto, nawet z ubezpieczeniem podr\u00f3\u017cnym, mo\u017cesz napotka\u0107 niespodziewane op\u00f3\u017anienia w opiece medycznej, zw\u0142aszcza je\u015bli odwiedzasz odleg\u0142e miejsca.<\/p>\n<h4 id=\"4571\" class=\"graf graf--h4 graf-after--p\">Krajowe ubezpieczenie zdrowotne<\/h4>\n<p id=\"044d\" class=\"graf graf--p graf-after--h4\">Je\u015bli posiadasz krajowe ubezpieczenie zdrowotne w swoim kraju, powiniene\u015b dok\u0142adnie przeanalizowa\u0107 sw\u00f3j zakres ubezpieczenia, aby sprawdzi\u0107, czy b\u0119dziesz mia\u0142 jak\u0105kolwiek ochron\u0119, je\u015bli co\u015b si\u0119 stanie podczas podr\u00f3\u017cy. Oto kilka rzeczy, na kt\u00f3re nale\u017cy zwr\u00f3ci\u0107 uwag\u0119 w swojej polisie, r\u00f3wnie\u017c z <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\">Czy zostaniesz obj\u0119ty ubezpieczeniem na czas trwania ca\u0142ej podr\u00f3\u017cy<\/li>\n<li id=\"0ca8\" class=\"graf graf--li graf-after--li\">Wy\u0142\u0105czenia dotycz\u0105ce leczenia zaostrze\u0144 istniej\u0105cych wcze\u015bniej stan\u00f3w chorobowych<\/li>\n<li id=\"cdd3\" class=\"graf graf--li graf-after--li\">Zasady firmy dotycz\u0105ce us\u0142ug \"poza sieci\u0105\"<\/li>\n<li id=\"460f\" class=\"graf graf--li graf-after--li\">Pokrycie koszt\u00f3w w przypadku powik\u0142a\u0144 ci\u0105\u017cy (lub w przypadku noworodka, zw\u0142aszcza je\u015bli wymaga on intensywnej opieki)<\/li>\n<li id=\"d42a\" class=\"graf graf--li graf-after--li\">Pokrycie koszt\u00f3w ewakuacji medycznej<\/li>\n<li id=\"657a\" class=\"graf graf--li graf-after--li\">Wykluczenia dotycz\u0105ce dzia\u0142a\u0144 wysokiego ryzyka, takich jak skoki spadochronowe, nurkowanie i wspinaczka g\u00f3rska<\/li>\n<li id=\"360d\" class=\"graf graf--li graf-after--li\">Wy\u0142\u0105czenia dotycz\u0105ce nag\u0142ych przypadk\u00f3w psychiatrycznych lub obra\u017ce\u0144 zwi\u0105zanych z atakami terrorystycznymi lub dzia\u0142aniami wojennymi<\/li>\n<li id=\"c244\" class=\"graf graf--li graf-after--li\">Czy potrzebna jest preautoryzacja na leczenie, przyj\u0119cie do szpitala lub inne us\u0142ugi<\/li>\n<li id=\"b5b5\" class=\"graf graf--li graf-after--li\">Czy wymagana jest druga opinia przed uzyskaniem leczenia w trybie nag\u0142ym<\/li>\n<li id=\"9047\" class=\"graf graf--li graf-after--li\">Czy istnieje 24-godzinne centrum wsparcia wspierane przez lekarzy<\/li>\n<\/ul>\n<h4 id=\"136c\" class=\"graf graf--h4 graf-after--li\">Lepiej zabezpieczy\u0107 si\u0119 ni\u017c \u017ca\u0142owa\u0107!<\/h4>\n<p id=\"e3b3\" class=\"graf graf--p graf-after--h4\">Wreszcie, nawet przy pe\u0142nym pokryciu, zawsze nale\u017cy podr\u00f3\u017cowa\u0107 bezpiecznie!<\/p>\n<ul class=\"postList\">\n<li id=\"1a3f\" class=\"graf graf--li graf-after--p\">Zachowaj zdrowy rozs\u0105dek, b\u0105d\u017a \u015bwiadomy swojego otoczenia i nie podejmuj niepotrzebnego ryzyka.<\/li>\n<li id=\"a999\" class=\"graf graf--li graf-after--li\">Unikaj niebezpiecznego jedzenia i picia, uk\u0105sze\u0144 zwierz\u0105t i owad\u00f3w oraz seksu bez zabezpieczenia.<\/li>\n<li id=\"558a\" class=\"graf graf--li graf-after--li\">Zabierz ze sob\u0105 informacje o polisie ubezpieczeniowej, w tym kopie kart identyfikacyjnych polisy ubezpieczeniowej, wszelkie dodatkowe ubezpieczenia wykupione na czas podr\u00f3\u017cy oraz formularze roszcze\u0144 ubezpieczeniowych.<\/li>\n<li id=\"ec1d\" class=\"graf graf--li graf-after--li\">Zr\u00f3b list\u0119 plac\u00f3wek medycznych w miejscach, kt\u00f3re planujesz odwiedzi\u0107 i miej j\u0105 przy sobie.<\/li>\n<li id=\"ba21\" class=\"graf graf--li graf-after--li graf--trailing\">Zachowaj kopie wszystkich rachunk\u00f3w i paragon\u00f3w za opiek\u0119 medyczn\u0105, z kt\u00f3rej korzystasz za granic\u0105.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Ubezpieczenie podr\u00f3\u017cne - Czy naprawd\u0119 go potrzebuj\u0119 i na co powinienem zwr\u00f3ci\u0107 uwag\u0119? Wiele os\u00f3b nawet nie my\u015bli o wykupieniu ubezpieczenia podr\u00f3\u017cnego. Ostatnie badania na temat podr\u00f3\u017cy letnich wykaza\u0142y, \u017ce tylko po\u0142owa Kanadyjczyk\u00f3w, kt\u00f3rzy podr\u00f3\u017cuj\u0105, kupuje ubezpieczenie medyczne. Ale podr\u00f3\u017cowanie bez ubezpieczenia to hazard - ryzykujesz utrat\u0119 ca\u0142ego baga\u017cu [...]<\/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\/pl\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\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? 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