{"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\/ro\/ce-este-o-polita-de-asigurare-un-ghid-pentru-incepatori\/","title":{"rendered":"Ce este o poli\u021b\u0103 de asigurare? - Un ghid pentru \u00eencep\u0103tori"},"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=\"#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\" background_color=\"rgba(38,52,62,62,0.5)\" custom_margin=\"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=\"{}\"]]

CE ESTE UN POLI\u021a\u0102 DE ASIGURARE?<\/span> - UN GHID PENTRU \u00ceNCEP\u0102TORI<\/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]

De\u0219i poate fi dificil de \u00een\u021beles, asigurarea este esen\u021bial\u0103 pentru a v\u0103 proteja finan\u021bele (banii de vacan\u021b\u0103 c\u00e2\u0219tiga\u021bi cu greu!) \u0219i pentru a v\u0103 planifica \u00een avans. Acest articol v\u0103 va explica \u00een detaliu ce presupune o poli\u021b\u0103 de asigurare \u0219i ideile cheie pe care trebuie s\u0103 le \u00een\u021belege\u021bi pentru a v\u0103 alege \u00een\u021belept acoperirea.<\/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]

Introducere<\/span><\/h3>\n

O poli\u021b\u0103 de asigurare este un contract \u00eencheiat \u00eentre de\u021bin\u0103torul poli\u021bei \u0219i asigur\u0103tor. \u00cen schimbul pl\u0103\u021bii unei prime de c\u0103tre titularul poli\u021bei, asigur\u0103torul ofer\u0103 protec\u021bie financiar\u0103 sau rambursare \u00een caz de pierdere sau de daun\u0103. \u00cen cazul asigur\u0103rii de c\u0103l\u0103torie, poli\u021ba de asigurare poate fi \u00eenso\u021bit\u0103 \u0219i de servicii suplimentare care nu \u021bin de asigurare, cum ar fi un serviciu de asisten\u021b\u0103 care v\u0103 poate ajuta \u00een caz de urgen\u021b\u0103 - iar la Sitata, facem mult mai mult dec\u00e2t at\u00e2t! Pentru a face alegeri \u00een cuno\u0219tin\u021b\u0103 de cauz\u0103 cu privire la protec\u021bia \u0219i acoperirea dvs. financiar\u0103 este necesar\u0103 o \u00een\u021belegere aprofundat\u0103 a produselor de asigurare.\u00a0<\/span><\/p>\n

Acoperirea poli\u021bei<\/span><\/h3>\n

Protec\u021bia sau compensa\u021bia oferit\u0103 de o poli\u021b\u0103 se nume\u0219te acoperire a poli\u021bei. Aceasta se poate modifica \u00een func\u021bie de diferite elemente, inclusiv tipul de poli\u021b\u0103, costul primei \u0219i al\u021bi termeni \u0219i condi\u021bii. Pentru a judeca \u00een leg\u0103tur\u0103 cu acoperirea de care ave\u021bi nevoie este nevoie de cuno\u0219tin\u021be despre acoperirea poli\u021bei \u0219i despre riscurile cu care v-a\u021bi putea confrunta atunci c\u00e2nd c\u0103l\u0103tori\u021bi.\u00a0<\/span><\/p>\n

Premium<\/span><\/h3>\n

Prima este suma de bani pe care titularul poli\u021bei de asigurare o pl\u0103te\u0219te \u00een schimbul unei protec\u021bii de asigurare. La calcularea primelor se iau \u00een considerare v\u00e2rsta, starea de s\u0103n\u0103tate, stilul de via\u021b\u0103, destina\u021biile de c\u0103l\u0103torie \u0219i nivelul de acoperire al titularului poli\u021bei. Trebuie pl\u0103tite primele la timp pentru a men\u021bine asigurarea \u00een vigoare \u0219i pentru a primi acoperire atunci c\u00e2nd este necesar.\u00a0<\/span><\/p>\n

Deductibil\u0103<\/span><\/h3>\n

O fran\u0219iz\u0103 este suma de bani pe care titularul poli\u021bei de asigurare trebuie s\u0103 o pl\u0103teasc\u0103 din buzunar \u00eenainte de \u00eenceperea acoperirii de asigurare. Acest lucru poate afecta acoperirea poli\u021bei, deductibilit\u0103\u021bile mai mici duc\u00e2nd la prime mai mari, iar deductibilit\u0103\u021bile mai mari la prime mai mici. \u00cen\u021belegerea fran\u0219izelor este important\u0103 atunci c\u00e2nd lua\u021bi decizii cu privire la acoperirea dumneavoastr\u0103.<\/span><\/p>\n

Procesul de revendicare<\/span><\/h3>\n

Metoda prin care se solicit\u0103 furnizorului de asigur\u0103ri desp\u0103gubiri sau protec\u021bie \u00een cazul unei pierderi sau daune este cunoscut\u0103 sub numele de proces de desp\u0103gubire. Notificarea asigur\u0103torului cu privire la pierdere sau daun\u0103, prezentarea dovezilor de pierdere, a\u0219teptarea examin\u0103rii cererii de desp\u0103gubire de c\u0103tre asigur\u0103tor \u0219i ob\u021binerea de bani sau de protec\u021bie \u00een cazul \u00een care cererea de desp\u0103gubire este acceptat\u0103 sunt toate etape ale procesului de desp\u0103gubire. \u00cen func\u021bie de tipul de poli\u021b\u0103 \u0219i de complexitatea cererii de desp\u0103gubire, durata procesului de desp\u0103gubire se poate modifica. \u00centotdeauna este mai bine s\u0103 depune\u021bi o cerere de desp\u0103gubire c\u00e2t mai repede posibil dup\u0103 ce a avut loc pierderea.<\/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|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=\"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 hover_enabled=\u201d0\u2033 global_colors_info=\u201d{}\u201d text_font_size=\u201d1.5rem\u201d sticky_enabled=\u201d0\u2033]

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_text=\"Verific\u0103 pre\u021burile\" _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]

Excesul<\/span><\/h3>\n

Suma pe care titularul poli\u021bei de asigurare va trebui s\u0103 o pl\u0103teasc\u0103 din buzunar \u00een cazul unei daune, indiferent de valoarea acesteia, este cunoscut\u0103 sub numele de fran\u0219iz\u0103 de asigurare. La fel ca o fran\u0219iz\u0103, valoarea fran\u0219izei se poate modifica \u00een func\u021bie de variabile, inclusiv de tipul de asigurare \u0219i de nivelul de acoperire.<\/span><\/p>\n

Excluderi<\/span><\/h3>\n

Excluderile se refer\u0103 la circumstan\u021be sau evenimente care nu sunt acoperite de poli\u021ba de asigurare. Printre exemplele de excluderi se num\u0103r\u0103 afec\u021biunile medicale preexistente, actele inten\u021bionate \u0219i anumite dezastre naturale. Este important s\u0103 \u00een\u021belege\u021bi excluderile pentru a \u0219ti ce este \u0219i ce nu este acoperit de poli\u021b\u0103.<\/span><\/p>\n

Drepturile \u0219i responsabilit\u0103\u021bile titularilor de poli\u021be<\/span><\/h3>\n

Drepturile titularului de poli\u021b\u0103 includ dreptul de a primi protec\u021bie \u0219i rambursare, \u00een timp ce responsabilit\u0103\u021bile acestuia includ raportarea cererilor de desp\u0103gubire, plata primelor \u0219i furnizarea de informa\u021bii corecte. \u00cen\u021belegerea acestor drepturi \u0219i responsabilit\u0103\u021bi este important\u0103 pentru a profita la maximum de acoperirea de asigurare \u0219i pentru a evita disputele cu asigur\u0103torul.<\/span><\/p>\n

Datele de acoperire<\/span><\/h3>\n

Termenul \"date de acoperire\" descrie intervalul de timp exact \u00een care poli\u021ba de asigurare este \u00een vigoare. Cunoa\u0219terea datelor de acoperire este important\u0103 pentru a determina c\u00e2nd este \u00een vigoare poli\u021ba \u0219i c\u00e2nd sunt oferite diferite tipuri de acoperire.<\/span><\/p>\n

Defini\u021bii<\/span><\/h3>\n

Defini\u021biile se refer\u0103 la clarific\u0103ri ale unor termeni importan\u021bi utiliza\u021bi \u00een poli\u021ba de asigurare. \u00cen\u021belegerea acestor defini\u021bii este important\u0103 pentru a \u0219ti ce se \u00een\u021belege prin termeni precum \"acoperirea poli\u021bei\" \u0219i \"deductibilit\u0103\u021bi\".<\/span><\/p>\n

Un document de politici va avea \u00eentotdeauna o sec\u021biune de defini\u021bii - \u00een mod normal, la sf\u00e2r\u0219itul documentului. Defini\u021biile explic\u0103 pur \u0219i simplu termenii cheie utiliza\u021bi \u00een poli\u021ba de asigurare. Ar trebui s\u0103 face\u021bi tot posibilul s\u0103 \u00een\u021belege\u021bi aceste defini\u021bii, astfel \u00eenc\u00e2t s\u0103 \u0219ti\u021bi ce \u00eenseamn\u0103 cuvinte precum \"deductibilit\u0103\u021bi\" sau \"motiv acoperit\". Adesea, \"diavolul se afl\u0103 \u00een aceste detalii\".<\/span><\/p>\n

Program de beneficii<\/span><\/h3>\n

Lista de presta\u021bii este o list\u0103 detaliat\u0103 a protec\u021biei sau ramburs\u0103rii oferite de poli\u021b\u0103. \u00cen\u021belegerea tabelului de presta\u021bii este important\u0103 pentru a \u0219ti ce protec\u021bie sau rambursare este disponibil\u0103 \u00een caz de pierdere sau daun\u0103.<\/span><\/p>\n

Care este diferen\u021ba dintre o fran\u0219iz\u0103 \u0219i o deductibilitate?\u00a0<\/span><\/h3>\n

Lista de presta\u021bii este o list\u0103 detaliat\u0103 a protec\u021biei sau ramburs\u0103rii oferite de poli\u021b\u0103.<\/span><\/p>\n

At\u00e2t fran\u0219iza, c\u00e2t \u0219i fran\u0219iza sunt destinate \u00een primul r\u00e2nd s\u0103 protejeze compania de asigur\u0103ri de reclama\u021biile frecvente sau nefondate. \u00cen general, oamenii devin mai iresponsabili dup\u0103 ce cump\u0103r\u0103 o poli\u021b\u0103 de asigurare, deoarece \u0219tiu c\u0103 vor primi desp\u0103gubiri de la compania de asigur\u0103ri \u00een cazul unui accident. Pentru a evita acest tip de comportament, se utilizeaz\u0103 adesea o fran\u0219iz\u0103 sau o deductibilitate.\u00a0<\/span><\/p>\n

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

Acum, diferen\u021ba esen\u021bial\u0103 este urm\u0103toarea:<\/span><\/p>\n

    \n
  • O fran\u0219iz\u0103 este o sum\u0103 pe care titularul unei poli\u021be trebuie s\u0103 o pl\u0103teasc\u0103 \u00eenainte ca asigur\u0103torul s\u0103-\u0219i asume orice responsabilitate (p\u00e2n\u0103 la suma total\u0103 asigurat\u0103).<\/span><\/li>\n
  • O fran\u0219iz\u0103 este o sum\u0103 re\u021binut\u0103 de asigur\u0103tor din suma de desp\u0103gubire acordat\u0103 titularului poli\u021bei de asigurare.<\/span><\/li>\n<\/ul>\n

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

    De exemplu, s\u0103 presupunem c\u0103 o poli\u021b\u0103 are o sum\u0103 asigurat\u0103 de $1000 \u0219i o asigurare de\u00a0<\/span>exces<\/span><\/em><\/strong>\u00a0de $100. dac\u0103 pierderea suferit\u0103 de titularul poli\u021bei de asigurare este de $500, atunci asigur\u0103torul va pl\u0103ti 500 - 100 = $400. Dac\u0103 pierderea suferit\u0103 de titularul poli\u021bei de asigurare este de $1500, atunci asigur\u0103torul va pl\u0103ti $1000 (deoarece aceasta este suma maxim\u0103 pe care o poate pl\u0103ti).<\/span><\/p>\n

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

    Acum s\u0103 ne uit\u0103m la acela\u0219i scenariu, dar s\u0103 presupunem c\u0103 un\u00a0<\/span>deductibil\u0103<\/span><\/em><\/strong>\u00a0de $100. \u00cen aceast\u0103 situa\u021bie, dac\u0103 pierderea suferit\u0103 de titularul poli\u021bei este de $500, atunci asigur\u0103torul va pl\u0103ti 500 - 100 = $400. Dac\u0103 pierderea suferit\u0103 de titularul poli\u021bei este de $1500, atunci asigur\u0103torul va pl\u0103ti 1000 - 100 = $900 (adic\u0103 suma asigurat\u0103 minus fran\u0219iza).<\/span><\/p>\n

    tabelul de beneficii este important pentru a \u0219ti ce protec\u021bie sau rambursare este disponibil\u0103 \u00een caz de pierdere sau deteriorare.<\/span><\/p>\n

     <\/p>\n

    Concluzie<\/span><\/h3>\n

    \u00cen concluzie, \u00een\u021belegerea poli\u021belor de asigurare este esen\u021bial\u0103 pentru a lua decizii \u00een cuno\u0219tin\u021b\u0103 de cauz\u0103 cu privire la acoperire \u0219i protec\u021bie. Acest ghid a oferit o prezentare general\u0103 a conceptelor-cheie, cum ar fi acoperirea poli\u021bei, primele, fran\u0219izele, procesul de desp\u0103gubire, excluderile, drepturile \u0219i responsabilit\u0103\u021bile titularului poli\u021bei, data acoperirii, defini\u021biile \u0219i tabelul de beneficii. Atunci c\u00e2nd se iau decizii cu privire la acoperirea de asigurare, trebuie s\u0103 se lucreze cu un asigur\u0103tor experimentat \u0219i s\u0103 se caute cuno\u0219tin\u021be despre poli\u021bele de asigurare esen\u021biale pentru a lua decizii cu privire la protec\u021bia \u0219i acoperirea dumneavoastr\u0103.\u00a0<\/span><\/p>\n

    La Sitata, suntem doar la o simpl\u0103 discu\u021bie pentru a v\u0103 ajuta s\u0103 \u00een\u021belege\u021bi ce tip de acoperire ar putea fi important pentru dumneavoastr\u0103. S\u0103 ne continu\u0103m c\u0103l\u0103toria noastr\u0103 \u00een domeniul asigur\u0103rilor de c\u0103l\u0103torie, \u00eenv\u0103\u021b\u00e2nd despre tipurile de asigur\u0103ri de c\u0103l\u0103torie care sunt disponibile.<\/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_4,1_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=\"40b587d8-3a29-4472-4472-9390-93da297e869e\" text_orientation=\"right\" custom_margin=\"||0px||false|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=\"||||||||\" link_option_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMTQ2NiJ9fQ==@\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" text_text_color=\"#0C71C3\u2033 sticky_enabled=\"0\u2033]]

    Ce este asigurarea de c\u0103l\u0103torie \u0219i de ce ave\u021bi nevoie de ea<\/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\/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=\"40b587d8-3a29-4472-4472-9390-93da297e869e\" 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_orientation=\"right\" link_option_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMTU0NCJ9fQ==@\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" text_text_color=\"#0C71C3\u2033 sticky_enabled=\"0\u2033]]

    Tipuri de asigur\u0103ri 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_url=\"#open-chat\" 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 _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":"

    Acest articol ofer\u0103 o imagine de ansamblu complet\u0103 a poli\u021belor de asigurare, acoperind idei importante precum acoperirea poli\u021bei, primele, fran\u0219izele, tratarea cererilor de desp\u0103gubire, excluderile, drepturile \u0219i obliga\u021biile titularului de poli\u021b\u0103, datele de acoperire, defini\u021biile \u0219i lista de beneficii. Acesta \u00eei ajut\u0103 pe cititori s\u0103 fac\u0103 alegeri \u00een cuno\u0219tin\u021b\u0103 de cauz\u0103 cu privire la acoperirea \u0219i protec\u021bia lor, fiind ideal pentru nou-veni\u021bi.<\/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\/ro\/ce-este-o-polita-de-asigurare-un-ghid-pentru-incepatori\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is an Insurance Policy? 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