{"id":111453,"date":"2023-03-14T09:41:18","date_gmt":"2023-03-14T13:41:18","guid":{"rendered":"https:\/\/blog.sitata.com\/?page_id=111453"},"modified":"2023-05-23T19:44:42","modified_gmt":"2023-05-23T23:44:42","slug":"how-does-travel-insurance-work","status":"publish","type":"page","link":"https:\/\/www.sitata.com\/ro\/cum-functioneaza-asigurarea-de-calatorie\/","title":{"rendered":"Cum func\u021bioneaz\u0103 asigurarea de c\u0103l\u0103torie?"},"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\" 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=\"#FFFFFFFF\" header_font_size=\"2rem\" background_color=\"rgba(38,52,62,0.5)\" custom_margin=\"0px|0px|0px|0px|0px|false|false|false\" custom_padding=\"20px|20px|0px|20px|false|false|false\" global_colors_info=\"{}\"]

ACADEMIA DE ASIGUR\u0102RI SITATA<\/h1>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"default\" header_font=\"|700|||||||\" header_text_color=\"#FFFFFFFF\" header_font_size=\"3rem\" header_line_height=\"1.2em\" background_color=\"rgba(38,52,62,0.5)\" custom_margin=\"0px|0px|0px|0px|0px|0px|false|false\" custom_padding=\"10px|20px|20px|20px|20px|false|false|false\" header_text_shadow_style=\"preset2\u2033 global_colors_info=\"{}\"]]

CUM SE FACE ASIGURARE DE C\u0102L\u0102TORIE FUNC\u021aIONEAZ\u0102?<\/span><\/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 _builder_version=\"4.20.2\u2033 _module_preset=\"default\" column_structure=\"2_5,3_5\u2033][et_pb_column _builder_version=\"4.20.2\u2033 _module_preset=\"default\" type=\"2_5\u2033][et_pb_image src=\"https:\/\/storage.googleapis.com\/sitata-wp\/2023\/05\/beach-fantasy.png\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" title_text=\"beach-fantasy\" hover_enabled=\"0\u2033 sticky_enabled=\"0\u2033][\/et_pb_image][\/et_pb_column][et_pb_column _builder_version=\"4.20.2\u2033 _module_preset=\"default\" type=\"3_5\u2033][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"66e09942-4c7f-4e61-88bf-f4afb1ad30e4\u2033 text_font=\"|300|||||||\" header_font=\"|300|||||||\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

Asigurarea de c\u0103l\u0103torie este un aspect important al oric\u0103rei c\u0103l\u0103torii, indiferent dac\u0103 c\u0103l\u0103tori\u021bi \u00een \u021bar\u0103 sau \u00een str\u0103in\u0103tate. Aceasta poate oferi protec\u021bie financiar\u0103 \u00eempotriva evenimentelor neprev\u0103zute, cum ar fi anularea zborurilor, pierderea bagajelor sau cheltuieli medicale nea\u0219teptate. \u00cen acest articol, vom trece \u00een revist\u0103 elementele de baz\u0103 ale modului \u00een care func\u021bioneaz\u0103 asigurarea de c\u0103l\u0103torie.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\"4.20.2\u2033 _module_preset=\"default\" 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=\"40b587d8-3a29-4472-9390-93da297e869e\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

Pasul 1: Alegerea politicii potrivite<\/h3>\n

Exist\u0103 multe tipuri diferite de poli\u021be de asigurare de c\u0103l\u0103torie disponibile \u0219i este important s\u0103 o alege\u021bi pe cea potrivit\u0103 pentru nevoile dumneavoastr\u0103. Unele poli\u021be pot acoperi doar urgen\u021bele medicale, \u00een timp ce altele pot oferi acoperire pentru anularea c\u0103l\u0103toriei, pierderea sau furtul bagajelor \u0219i multe altele. \u00cenainte de a alege o poli\u021b\u0103, asigura\u021bi-v\u0103 c\u0103 citi\u021bi textul cu litere mici \u0219i c\u0103 \u00een\u021belege\u021bi ce este acoperit \u0219i ce nu este acoperit.<\/p>\n

Pasul 2: Achizi\u021bionarea poli\u021bei<\/h3>\n

Dup\u0103 ce a\u021bi ales o poli\u021b\u0103 care s\u0103 v\u0103 satisfac\u0103 nevoile, este timpul s\u0103 o achizi\u021biona\u021bi. Adesea, pute\u021bi cump\u0103ra o asigurare de c\u0103l\u0103torie direct de la compania aerian\u0103, de la linia de croazier\u0103 sau de la agen\u021bia de turism pe care o folosi\u021bi, sau o pute\u021bi cump\u0103ra direct de la un furnizor de asigur\u0103ri. Unele carduri de credit ofer\u0103, de asemenea, asigurare de c\u0103l\u0103torie ca beneficiu, a\u0219a c\u0103 asigura\u021bi-v\u0103 c\u0103 a\u021bi verificat dac\u0103 cardul dvs. include aceast\u0103 acoperire.<\/p>\n

Pasul 3: \u00cen\u021belegerea acoperirii<\/h3>\n

Este important s\u0103 \u00een\u021belege\u021bi ce acoper\u0103 poli\u021ba dvs. \u00eenainte de a pleca \u00een c\u0103l\u0103torie. Acest lucru poate include valoarea acoperirii pe care o ave\u021bi pentru cheltuielile medicale, fran\u0219iza de care ve\u021bi fi responsabil \u0219i suma maxim\u0103 pe care o va pl\u0103ti poli\u021ba. De asemenea, ar trebui s\u0103 \u00een\u021belege\u021bi orice excluderi sau limit\u0103ri din poli\u021b\u0103, cum ar fi acoperirea pentru afec\u021biuni preexistente sau pentru sporturi de aventur\u0103.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_2,1_2\u2033 admin_label=\"callout\" _builder_version=\"4.20.2\u2033 _module_preset=\"default\" custom_padding=\"25px|25px|25px|25px|25px|false|false\" border_radii=\"on|15px|15px|15px|15px|15px\" border_width_all=\"2px\" border_color_all=\"#E1B876\u2033 global_module=\"112363\u2033 saved_tabs=\"all\" global_colors_info=\"{}\" locked=\"off\"][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=\"imagine de titlu cu c\u0103l\u0103tori entuziasma\u021bi la aeroport pentru c\u0103l\u0103torii f\u0103r\u0103 griji cu asigurarea de c\u0103l\u0103torie\" 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]

Gata de plecare?<\/h1>\n

Timp pentru Proteja\u021bi-v\u0103 c\u0103l\u0103toria<\/span><\/strong><\/h1>[\/et_pb_text][et_pb_text _builder_version=\u201d4.20.2\u2033 _module_preset=\u201d66e09942-4c7f-4e61-88bf-f4afb1ad30e4\u2033 text_font_size=\u201d1.5rem\u201d global_colors_info=\u201d{}\u201d]

Asigurarea de c\u0103l\u0103torie Sitata este mult mai mult dec\u00e2t at\u00e2t. Asisten\u021b\u0103 prin chat 24\/7\/365, notific\u0103ri \u00een timp real privind \u00eentreruperile \u0219i siguran\u021ba, urm\u0103rirea zborurilor, telemedicin\u0103, pl\u0103\u021bi digitale rapide ale cererilor de desp\u0103gubire \u0219i lista poate continua... toate acestea pentru ca dumneavoastr\u0103 s\u0103 pute\u021bi c\u0103l\u0103tori f\u0103r\u0103 griji. A\u0219adar, ce mai a\u0219tepta\u021bi?<\/p>[\/et_pb_text][et_pb_button button_url=\"https:\/\/www.sitata.com\/for-your-trip\" button_text=\"Verific\u0103 pre\u021burile\" _builder_version=\"4.20.2\u2033 _module_preset=\u201d01b458d8-4fdc-4ba5-9b17-00796f37ec71\u2033 global_colors_info=\u201d{}\u201d][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u201d4.20.2\u2033 _module_preset=\"default\"][et_pb_column _builder_version=\"4.20.2\u2033 _module_preset=\"default\" type=\"4_4\u2033][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\u201d40b587d8-3a29-4472-9390-93da297e869e\u201d hover_enabled=\u201d0\u2033 global_colors_info=\u201d{}\u201d sticky_enabled=\u201d0\u2033]

Pasul 4: Depunerea unei cereri de desp\u0103gubire<\/h3>\n

Dac\u0103 \u00een timpul c\u0103l\u0103toriei ave\u021bi un eveniment acoperit, cum ar fi o urgen\u021b\u0103 medical\u0103 sau pierderea bagajelor, va trebui s\u0103 depune\u021bi o cerere de desp\u0103gubire la furnizorul dumneavoastr\u0103 de asigurare. Pentru a face acest lucru, va trebui, de obicei, s\u0103 furniza\u021bi documente privind evenimentul, cum ar fi un raport al poli\u021biei sau fi\u0219e medicale. Compania de asigur\u0103ri va evalua apoi cererea dvs. de desp\u0103gubire \u0219i va stabili dac\u0103 este acoperit\u0103 de poli\u021ba dvs. de asigurare.<\/p>\n

Etapa 5: Primirea compensa\u021biei<\/h3>\n

Dac\u0103 cererea dumneavoastr\u0103 de desp\u0103gubire este aprobat\u0103, compania de asigur\u0103ri v\u0103 va oferi desp\u0103gubiri \u00een conformitate cu termenii poli\u021bei dumneavoastr\u0103. Aceasta poate include rambursarea cheltuielilor medicale, acordarea unei pl\u0103\u021bi \u00een numerar pentru o c\u0103l\u0103torie anulat\u0103 sau \u00eentrerupt\u0103 sau acoperirea costului obiectelor pierdute sau furate. Este important de re\u021binut c\u0103 va trebui probabil s\u0103 pl\u0103ti\u021bi orice cheltuieli \u00een avans \u0219i apoi s\u0103 depune\u021bi o cerere de rambursare.<\/p>\n

Pasul 6: Anularea unei poli\u021be<\/h3>\n

Dac\u0103 trebuie s\u0103 v\u0103 anula\u021bi c\u0103l\u0103toria, este posibil s\u0103 trebuiasc\u0103 s\u0103 v\u0103 anula\u021bi \u0219i poli\u021ba de asigurare de c\u0103l\u0103torie. Multe poli\u021be ofer\u0103 o perioad\u0103 de verificare gratuit\u0103, \u00een timpul c\u0103reia pute\u021bi anula poli\u021ba \u0219i primi o rambursare integral\u0103. Dac\u0103 trebuie s\u0103 anula\u021bi dup\u0103 perioada de verificare gratuit\u0103, este posibil s\u0103 vi se perceap\u0103 o tax\u0103 de anulare.<\/p>\n

\u00cen concluzie, asigurarea de c\u0103l\u0103torie poate oferi o protec\u021bie financiar\u0103 important\u0103 pe durata c\u0103l\u0103toriei dumneavoastr\u0103. Aleg\u00e2nd poli\u021ba potrivit\u0103, \u00een\u021beleg\u00e2nd acoperirea \u0219i \u0219tiind cum s\u0103 depune\u021bi o cerere de desp\u0103gubire, v\u0103 pute\u021bi asigura c\u0103 sunte\u021bi preg\u0103tit pentru orice eveniment nea\u0219teptat care ar putea ap\u0103rea. Nu uita\u021bi s\u0103 citi\u021bi textul cu litere mici, s\u0103 pune\u021bi \u00eentreb\u0103ri \u0219i s\u0103 v\u0103 asigura\u021bi c\u0103 v\u0103 sim\u021bi\u021bi confortabil cu poli\u021ba \u00eenainte de a face o achizi\u021bie.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"1_4,1_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|false|false\" border_radii=\"on|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\/checklist.png\" title_text=\"checklist\" 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=\"40b587d8-3a29-4472-4472-9390-93da297e869e\" text_orientation=\"right\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false|false\" global_colors_info=\"{}}\"]]

\u00centoarce\u021bi-v\u0103 la...<\/p>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _dynamic_attributes=\"link_option_url\" _module_preset=\"default\" text_font=\"||||||||\" text_text_color=\"#0C71C3\u2033 text_orientation=\"right\" link_option_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMTk3NyJ9fQ==@\" hover_enabled=\"0\u2033 locked=\"off\" global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

Lista de verificare pentru asigurarea de c\u0103l\u0103torie<\/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|false|false\" border_radii=\"on|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\/cash.png\" title_text=\"cash\" 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=\"40b587d8-3a29-4472-4472-9390-93da297e869e\" text_orientation=\"right\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false|false\" global_colors_info=\"{}}\"]]

\u00cen continuare...<\/p>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _dynamic_attributes=\"link_option_url\" _module_preset=\"default\" text_font=\"||||||||\" text_text_color=\"#0C71C3\u2033 text_orientation=\"right\" link_option_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMTkwOCJ9fQ==@\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033]

C\u00e2t cost\u0103 asigurarea de c\u0103l\u0103torie?<\/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=\"{}\"]

Ce se \u00eent\u00e2mpl\u0103 dac\u0103 asigurarea ta de c\u0103l\u0103torie de fapt te-a ajutat s\u0103 ai o c\u0103l\u0103torie mai u\u0219oar\u0103?<\/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|0\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"bottom\" global_colors_info=\"{}\"]

Vezi de ce mii de c\u0103l\u0103tori aleg Sitata atunci c\u00e2nd c\u0103l\u0103toresc<\/span><\/p>[\/et_pb_text][et_pb_button button_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMDE1NSJ9fQ==@\" button_text=\"Alege Sitata acum\" button_alignment=\"center\" button_alignment_tablet=\"center\" button_alignment_phone=\"center\" button_alignment_last_edited=\"on|tablet\" _builder_version=\"4.20.2\u2033 _dynamic_attributes=\u201dbutton_url\u201d _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|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_row][\/et_pb_section]","protected":false},"excerpt":{"rendered":"

ACADEMIA DE ASIGUR\u0102RI SITATACUM FUNC\u021aIONEAZ\u0102 ASIGURAREA DE C\u0102L\u0102TORIE?Asigurarea de c\u0103l\u0103torie este un aspect important al oric\u0103rei c\u0103l\u0103torii, indiferent dac\u0103 c\u0103l\u0103tori\u021bi \u00een \u021bar\u0103 sau \u00een str\u0103in\u0103tate. Aceasta poate oferi protec\u021bie financiar\u0103 \u00eempotriva evenimentelor neprev\u0103zute, cum ar fi anularea zborurilor, pierderea bagajelor sau cheltuieli medicale nea\u0219teptate. \u00cen acest articol, vom trece \u00een revist\u0103 elementele de baz\u0103 ale modului \u00een care func\u021bioneaz\u0103 asigurarea de c\u0103l\u0103torie.Pasul 1: Alegerea [...]<\/p>","protected":false},"author":15,"featured_media":112456,"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":"\nHow Does Travel Insurance Work?<\/title>\n<meta name=\"description\" content=\"Before purchasing travel insurance, read the fine print, ask questions, and understand the policy to know how travel insurance really works.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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