{"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\/pt\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/","title":{"rendered":"Viagens Insurance\u200a-\u200aDo Preciso mesmo dele e o que devo procurar?"},"content":{"rendered":"<h3 id=\"e3dd\" class=\"graf graf--h3 graf--leading graf--title\">Viagens Insurance\u200a-\u200aDo Preciso mesmo dele e o que devo procurar?<\/h3>\n<p id=\"4826\" class=\"graf graf--p graf-after--h3\">Muita gente nem sequer pensa em fazer um seguro de viagem. Um estudo recente sobre viagens de Ver\u00e3o descobriu que <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\/\">apenas metade dos canadianos que viajam realmente adquirem um seguro m\u00e9dico.<\/a> Mas viajar sem seguro \u00e9 um gamble\u200a-\u200ayou correr o risco de perder toda a sua bagagem e n\u00e3o receber qualquer indemniza\u00e7\u00e3o, ou ter de cancelar a sua viagem de \u00faltima hora e perder as suas despesas de viagem pr\u00e9-pagas, ou pior de tudo ter de pagar mais de $100,000 US para uma evacua\u00e7\u00e3o m\u00e9dica de uma \u00e1rea remota.<\/p>\n<p id=\"8c40\" class=\"graf graf--p graf-after--p\">O seguro de viagem \u00e9 obrigat\u00f3rio. Se algo acontecer, quer seja uma emerg\u00eancia m\u00e9dica ou mesmo um passaporte perdido, pode potencialmente poupar-se muito tempo, dinheiro e stress ao obter um seguro.<\/p>\n<p id=\"b3c6\" class=\"graf graf--p graf-after--figure\">Os seguros devem ser considerados por todos os viajantes, mas especialmente aqueles que estar\u00e3o no estrangeiro durante um longo per\u00edodo de tempo, aqueles que planeiam envolver-se em actividades de alto risco ou perigosas, e aqueles com condi\u00e7\u00f5es m\u00e9dicas cr\u00f3nicas.<\/p>\n<p id=\"c39e\" class=\"graf graf--p graf-after--p\">H\u00e1 tr\u00eas tipos de seguros que pode obter para a sua viagem:<\/p>\n<ul class=\"postList\">\n<li id=\"d8fb\" class=\"graf graf--li graf-after--p\"><strong class=\"markup--strong markup--li-strong\">Seguro de viagem <\/strong>protege-o financeiramente e inclui coisas como bagagem perdida e cancelamento da viagem. Este tipo de seguro pode ou n\u00e3o cobrir despesas m\u00e9dicas durante a viagem.<\/li>\n<li id=\"64d8\" class=\"graf graf--li graf-after--li\"><strong class=\"markup--strong markup--li-strong\">Seguro de sa\u00fade de viagem<\/strong> cobre as despesas m\u00e9dicas se estas n\u00e3o estiverem cobertas pela sua ap\u00f3lice de seguro de viagem regular.<\/li>\n<li id=\"72cf\" class=\"graf graf--li graf-after--li\"><strong class=\"markup--strong markup--li-strong\">Seguro de evacua\u00e7\u00e3o m\u00e9dica <\/strong>abrange a evacua\u00e7\u00e3o m\u00e9dica e o transporte para as instala\u00e7\u00f5es m\u00e9dicas adequadas mais pr\u00f3ximas.<\/li>\n<\/ul>\n<p id=\"d198\" class=\"graf graf--p graf-after--li\">Existem ap\u00f3lices de seguro de sa\u00fade de viagem de curto prazo que s\u00e3o relativamente baratas. Ou, se for um viajante frequente ou de longo prazo, pode adquirir ap\u00f3lices anuais ou at\u00e9 mesmo ap\u00f3lices que fornecer\u00e3o cobertura para o repatriamento para o seu pa\u00eds de origem.<\/p>\n<p id=\"85e4\" class=\"graf graf--p graf-after--p\">A cobertura de evacua\u00e7\u00e3o m\u00e9dica pode ser inclu\u00edda nas ap\u00f3lices de curto ou longo prazo, ou pode ser adquirida separadamente. Os viajantes devem perguntar \u00e0s empresas de evacua\u00e7\u00e3o m\u00e9dica sobre os seus recursos no seu destino, particularmente no caso de planearem visitar \u00e1reas remotas.<\/p>\n<h4 id=\"fcdc\" class=\"graf graf--h4 graf-after--p\">Aquisi\u00e7\u00e3o de uma Pol\u00edtica<\/h4>\n<p id=\"e4a5\" class=\"graf graf--p graf-after--figure\">Todos os viajantes devem<strong class=\"markup--strong markup--p-strong\"> rever cuidadosamente as pol\u00edticas<\/strong> antes de comprar. Leia as letras mi\u00fadas! Um pouco de pesquisa agora poderia poupar-lhe um pacote mais tarde.<\/p>\n<p id=\"bc2f\" class=\"graf graf--p graf-after--p\">De acordo com 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\">Centros de Controlo e Preven\u00e7\u00e3o de Doen\u00e7as (CDC)<\/a>Aqui est\u00e3o algumas coisas que deseja ver na sua pol\u00edtica:<\/p>\n<ul class=\"postList\">\n<li id=\"79ca\" class=\"graf graf--li graf-after--p\">Acordos com hospitais para garantir pagamentos directamente<\/li>\n<li id=\"ea08\" class=\"graf graf--li graf-after--li\">Assist\u00eancia atrav\u00e9s de um centro de apoio m\u00e9dico 24 horas por dia (especialmente importante para o seguro de evacua\u00e7\u00e3o m\u00e9dica)<\/li>\n<li id=\"92f3\" class=\"graf graf--li graf-after--li\">Transporte m\u00e9dico de emerg\u00eancia para instala\u00e7\u00f5es equivalentes \u00e0s do pa\u00eds de origem ou para o pr\u00f3prio pa\u00eds de origem<\/li>\n<li id=\"42aa\" class=\"graf graf--li graf-after--li\">Quaisquer servi\u00e7os m\u00e9dicos espec\u00edficos que se possam aplicar \u00e0s suas circunst\u00e2ncias, tais como a cobertura de actividades de alto risco<\/li>\n<\/ul>\n<p id=\"f98e\" class=\"graf graf--p graf-after--li\">Deve estar ciente de que se necessitar de cuidados m\u00e9dicos no estrangeiro, ter\u00e1 normalmente de pagar com dinheiro ou cart\u00e3o de cr\u00e9dito na cl\u00ednica ou hospital, quer tenha ou n\u00e3o seguro de viagem. Al\u00e9m disso, mesmo com seguro de viagem, poder\u00e1 ainda enfrentar atrasos inesperados nos cuidados, especialmente se estiver a visitar destinos remotos.<\/p>\n<h4 id=\"4571\" class=\"graf graf--h4 graf-after--p\">Seguro de Sa\u00fade Dom\u00e9stico<\/h4>\n<p id=\"044d\" class=\"graf graf--p graf-after--h4\">Se tiver seguro de sa\u00fade dom\u00e9stico no seu pa\u00eds de origem, deve examinar cuidadosamente a sua cobertura para verificar se ter\u00e1 alguma protec\u00e7\u00e3o se algo acontecer durante a sua viagem. Aqui est\u00e3o algumas coisas a procurar na sua ap\u00f3lice, tamb\u00e9m da <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\">Se estar\u00e1 coberto durante toda a dura\u00e7\u00e3o da sua viagem<\/li>\n<li id=\"0ca8\" class=\"graf graf--li graf-after--li\">Exclus\u00f5es para o tratamento de exacerba\u00e7\u00f5es de condi\u00e7\u00f5es m\u00e9dicas preexistentes<\/li>\n<li id=\"cdd3\" class=\"graf graf--li graf-after--li\">A pol\u00edtica da empresa para servi\u00e7os \"fora da rede<\/li>\n<li id=\"460f\" class=\"graf graf--li graf-after--li\">Cobertura para complica\u00e7\u00f5es da gravidez (ou para um rec\u00e9m-nascido, especialmente se o rec\u00e9m-nascido necessitar de cuidados intensivos)<\/li>\n<li id=\"d42a\" class=\"graf graf--li graf-after--li\">Cobertura para evacua\u00e7\u00e3o m\u00e9dica<\/li>\n<li id=\"657a\" class=\"graf graf--li graf-after--li\">Exclus\u00f5es para actividades de alto risco tais como p\u00e1ra-quedismo, mergulho e alpinismo<\/li>\n<li id=\"360d\" class=\"graf graf--li graf-after--li\">Exclus\u00f5es relativas a emerg\u00eancias psiqui\u00e1tricas ou ferimentos relacionados com ataques terroristas ou actos de guerra<\/li>\n<li id=\"c244\" class=\"graf graf--li graf-after--li\">Se a pr\u00e9-autoriza\u00e7\u00e3o \u00e9 necess\u00e1ria para tratamento, admiss\u00e3o hospitalar ou outros servi\u00e7os<\/li>\n<li id=\"b5b5\" class=\"graf graf--li graf-after--li\">Se \u00e9 necess\u00e1ria uma segunda opini\u00e3o antes de obter um tratamento de emerg\u00eancia<\/li>\n<li id=\"9047\" class=\"graf graf--li graf-after--li\">Se existe um centro de apoio m\u00e9dico apoiado por um m\u00e9dico 24 horas<\/li>\n<\/ul>\n<h4 id=\"136c\" class=\"graf graf--h4 graf-after--li\">Mais vale prevenir do que remediar!<\/h4>\n<p id=\"e3b3\" class=\"graf graf--p graf-after--h4\">Finalmente, mesmo com cobertura total, deve viajar sempre em seguran\u00e7a!<\/p>\n<ul class=\"postList\">\n<li id=\"1a3f\" class=\"graf graf--li graf-after--p\">Use o bom senso, esteja atento ao seu ambiente e n\u00e3o assuma riscos desnecess\u00e1rios.<\/li>\n<li id=\"a999\" class=\"graf graf--li graf-after--li\">Evitar alimentos e bebidas inseguros, picadas de animais e insectos, e sexo desprotegido.<\/li>\n<li id=\"558a\" class=\"graf graf--li graf-after--li\">Carregue as informa\u00e7\u00f5es da sua ap\u00f3lice de seguro, incluindo c\u00f3pias dos seus cart\u00f5es de identifica\u00e7\u00e3o da ap\u00f3lice de seguro, qualquer seguro suplementar adquirido para a viagem, e formul\u00e1rios de pedido de seguro.<\/li>\n<li id=\"ec1d\" class=\"graf graf--li graf-after--li\">Fa\u00e7a uma lista das instala\u00e7\u00f5es m\u00e9dicas em \u00e1reas que planeia visitar e leve isso consigo tamb\u00e9m.<\/li>\n<li id=\"ba21\" class=\"graf graf--li graf-after--li graf--trailing\">Conserve c\u00f3pias de todas as facturas e recibos de quaisquer cuidados m\u00e9dicos que receba no estrangeiro.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Viagens Insurance\u200a-\u200aDo Preciso mesmo dele e o que devo procurar? Muita gente nem sequer pensa em obter um seguro de viagem. Um estudo recente sobre viagens de Ver\u00e3o descobriu que apenas metade dos canadianos que viajam realmente compram seguros m\u00e9dicos. Mas viajar sem seguro \u00e9 um gamble\u200a-\u200ayou correr o risco de perder toda a sua bagagem [...]<\/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\/pt\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\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. But travelling without insurance is a gamble\u200a\u2014\u200ayou run the risk of losing all your luggage [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sitata.com\/pt\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/\" \/>\n<meta property=\"og:site_name\" content=\"Sitata\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/sitata.goanywhere\/\" \/>\n<meta property=\"article:published_time\" content=\"2013-08-06T00:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-09-08T13:35:28+00:00\" \/>\n<meta name=\"author\" content=\"Madeline Sharpe\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@_sitata_\" \/>\n<meta name=\"twitter:site\" content=\"@_sitata_\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Madeline Sharpe\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tempo estimado de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.sitata.com\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.sitata.com\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/\"},\"author\":{\"name\":\"Madeline Sharpe\",\"@id\":\"https:\/\/www.sitata.com\/en\/#\/schema\/person\/d7af6d420cb3f234adddbe1ddd4e70fc\"},\"headline\":\"Travel Insurance\u200a\u2014\u200aDo I really need it and what should I look\u00a0for?\",\"datePublished\":\"2013-08-06T00:00:00+00:00\",\"dateModified\":\"2020-09-08T13:35:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.sitata.com\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/\"},\"wordCount\":732,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.sitata.com\/en\/#organization\"},\"articleSection\":[\"Assistance\",\"Safety\",\"Travel\"],\"inLanguage\":\"pt-PT\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.sitata.com\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.sitata.com\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/\",\"url\":\"https:\/\/www.sitata.com\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/\",\"name\":\"Travel Insurance\u200a\u2014\u200aDo I really need it and what should I look\u00a0for? 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