{"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\/ro\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/","title":{"rendered":"Asigurarea de c\u0103l\u0103torie - Chiar am nevoie de ea \u0219i ce ar trebui s\u0103 caut?"},"content":{"rendered":"<h3 id=\"e3dd\" class=\"graf graf--h3 graf--leading graf--title\">Asigurarea de c\u0103l\u0103torie - Chiar am nevoie de ea \u0219i ce ar trebui s\u0103 caut?<\/h3>\n<p id=\"4826\" class=\"graf graf--p graf-after--h3\">Mul\u021bi oameni nici m\u0103car nu se g\u00e2ndesc s\u0103 \u00eencheie o asigurare de c\u0103l\u0103torie. Un studiu recent privind c\u0103l\u0103toriile de var\u0103 a constatat c\u0103 <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\/\">doar jum\u0103tate dintre canadienii care c\u0103l\u0103toresc achizi\u021bioneaz\u0103 efectiv o asigurare medical\u0103.<\/a> Dar c\u0103l\u0103toriile f\u0103r\u0103 asigurare sunt un risc - risca\u021bi s\u0103 v\u0103 pierde\u021bi toate bagajele \u0219i s\u0103 nu primi\u021bi nicio desp\u0103gubire, s\u0103 fi\u021bi nevoit s\u0103 v\u0103 anula\u021bi c\u0103l\u0103toria \u00een ultimul moment \u0219i s\u0103 pierde\u021bi cheltuielile de c\u0103l\u0103torie prepl\u0103tite sau, cel mai r\u0103u, s\u0103 pl\u0103ti\u021bi peste $100.000 USD pentru o evacuare medical\u0103 dintr-o zon\u0103 \u00eendep\u0103rtat\u0103.<\/p>\n<p id=\"8c40\" class=\"graf graf--p graf-after--p\">Asigurarea de c\u0103l\u0103torie este o necesitate. Dac\u0103 se \u00eent\u00e2mpl\u0103 ceva, fie c\u0103 este vorba de o urgen\u021b\u0103 medical\u0103 sau chiar de pierderea pa\u0219aportului, pute\u021bi economisi mult timp, bani \u0219i stres dac\u0103 v\u0103 face\u021bi o asigurare.<\/p>\n<p id=\"b3c6\" class=\"graf graf--p graf-after--figure\">Asigurarea ar trebui luat\u0103 \u00een considerare de to\u021bi c\u0103l\u0103torii, dar mai ales de cei care se vor afla \u00een str\u0103in\u0103tate pentru o perioad\u0103 lung\u0103 de timp, de cei care inten\u021bioneaz\u0103 s\u0103 se angajeze \u00een activit\u0103\u021bi cu risc ridicat sau periculoase \u0219i de cei cu afec\u021biuni medicale cronice.<\/p>\n<p id=\"c39e\" class=\"graf graf--p graf-after--p\">Exist\u0103 trei tipuri de asigur\u0103ri pe care le pute\u021bi ob\u021bine pentru c\u0103l\u0103toria dumneavoastr\u0103:<\/p>\n<ul class=\"postList\">\n<li id=\"d8fb\" class=\"graf graf--li graf-after--p\"><strong class=\"markup--strong markup--li-strong\">Asigurare de c\u0103l\u0103torie <\/strong>v\u0103 protejeaz\u0103 din punct de vedere financiar \u0219i include lucruri precum pierderea bagajelor \u0219i anularea c\u0103l\u0103toriei. Acest tip de asigurare poate sau nu s\u0103 acopere cheltuielile medicale \u00een timpul c\u0103l\u0103toriei.<\/li>\n<li id=\"64d8\" class=\"graf graf--li graf-after--li\"><strong class=\"markup--strong markup--li-strong\">Asigurare de s\u0103n\u0103tate pentru c\u0103l\u0103torii<\/strong> acoper\u0103 cheltuielile medicale \u00een cazul \u00een care acestea nu sunt acoperite de poli\u021ba dumneavoastr\u0103 obi\u0219nuit\u0103 de asigurare de c\u0103l\u0103torie.<\/li>\n<li id=\"72cf\" class=\"graf graf--li graf-after--li\"><strong class=\"markup--strong markup--li-strong\">Asigurarea de evacuare medical\u0103 <\/strong>acoper\u0103 evacuarea medical\u0103 \u0219i transportul la cea mai apropiat\u0103 unitate medical\u0103 adecvat\u0103.<\/li>\n<\/ul>\n<p id=\"d198\" class=\"graf graf--p graf-after--li\">Exist\u0103 poli\u021be de asigurare de s\u0103n\u0103tate pe termen scurt pentru c\u0103l\u0103torii care sunt relativ ieftine. Sau, dac\u0103 sunte\u021bi un c\u0103l\u0103tor frecvent sau pe termen lung, pute\u021bi achizi\u021biona poli\u021be anuale sau chiar poli\u021be care s\u0103 ofere acoperire pentru repatrierea \u00een \u021bara de origine.<\/p>\n<p id=\"85e4\" class=\"graf graf--p graf-after--p\">Acoperirea pentru evacuare medical\u0103 poate fi inclus\u0103 \u00een poli\u021bele pe termen scurt sau pe termen lung sau poate fi achizi\u021bionat\u0103 separat. C\u0103l\u0103torii ar trebui s\u0103 \u00eentrebe companiile de evacuare medical\u0103 despre resursele de care dispun la destina\u021bie, \u00een special dac\u0103 inten\u021bioneaz\u0103 s\u0103 viziteze zone izolate.<\/p>\n<h4 id=\"fcdc\" class=\"graf graf--h4 graf-after--p\">Achizi\u021bionarea unei poli\u021be<\/h4>\n<p id=\"e4a5\" class=\"graf graf--p graf-after--figure\">To\u021bi c\u0103l\u0103torii ar trebui<strong class=\"markup--strong markup--p-strong\"> revizui\u021bi cu aten\u021bie politicile<\/strong> \u00eenainte de a cump\u0103ra. Citi\u021bi textul cu litere mici! O mic\u0103 cercetare acum v\u0103 poate salva o gr\u0103mad\u0103 de bani mai t\u00e2rziu.<\/p>\n<p id=\"bc2f\" class=\"graf graf--p graf-after--p\">Conform <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\">Centrele pentru controlul \u0219i prevenirea bolilor (CDC)<\/a>, iat\u0103 c\u00e2teva lucruri pe care dori\u021bi s\u0103 le vede\u021bi \u00een poli\u021ba dumneavoastr\u0103:<\/p>\n<ul class=\"postList\">\n<li id=\"79ca\" class=\"graf graf--li graf-after--p\">Aranjamente cu spitalele pentru garantarea direct\u0103 a pl\u0103\u021bilor<\/li>\n<li id=\"ea08\" class=\"graf graf--li graf-after--li\">Asisten\u021b\u0103 prin intermediul unui centru de asisten\u021b\u0103 24 de ore din 24 sus\u021binut de un medic (deosebit de important pentru asigurarea de evacuare medical\u0103)<\/li>\n<li id=\"92f3\" class=\"graf graf--li graf-after--li\">Transportul medical de urgen\u021b\u0103 c\u0103tre facilit\u0103\u021bi echivalente cu cele din \u021bara de origine sau c\u0103tre \u021bara de origine \u00eens\u0103\u0219i<\/li>\n<li id=\"42aa\" class=\"graf graf--li graf-after--li\">Orice servicii medicale specifice care se pot aplica circumstan\u021belor lor, cum ar fi acoperirea activit\u0103\u021bilor cu risc ridicat<\/li>\n<\/ul>\n<p id=\"f98e\" class=\"graf graf--p graf-after--li\">Trebuie s\u0103 \u0219ti\u021bi c\u0103, \u00een cazul \u00een care ave\u021bi nevoie de \u00eengrijiri medicale \u00een str\u0103in\u0103tate, va trebui de obicei s\u0103 pl\u0103ti\u021bi cu numerar sau cu cardul de credit la clinic\u0103 sau la spital, indiferent dac\u0103 ave\u021bi sau nu asigurare de c\u0103l\u0103torie. De asemenea, chiar \u0219i cu asigurare de c\u0103l\u0103torie, este posibil s\u0103 v\u0103 confrunta\u021bi cu \u00eent\u00e2rzieri nea\u0219teptate \u00een ceea ce prive\u0219te \u00eengrijirea, mai ales dac\u0103 vizita\u021bi destina\u021bii \u00eendep\u0103rtate.<\/p>\n<h4 id=\"4571\" class=\"graf graf--h4 graf-after--p\">Asigurare de s\u0103n\u0103tate intern\u0103<\/h4>\n<p id=\"044d\" class=\"graf graf--p graf-after--h4\">Dac\u0103 ave\u021bi o asigurare de s\u0103n\u0103tate \u00een \u021bara de origine, trebuie s\u0103 v\u0103 examina\u021bi cu aten\u021bie acoperirea pentru a verifica dac\u0103 ve\u021bi fi protejat \u00een cazul \u00een care se \u00eent\u00e2mpl\u0103 ceva \u00een timpul c\u0103l\u0103toriei dumneavoastr\u0103. Iat\u0103 c\u00e2teva lucruri pe care trebuie s\u0103 le c\u0103uta\u021bi \u00een poli\u021ba dumneavoastr\u0103, tot din partea <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\">Dac\u0103 ve\u021bi fi acoperit pe toat\u0103 durata c\u0103l\u0103toriei dvs.<\/li>\n<li id=\"0ca8\" class=\"graf graf--li graf-after--li\">Excluderi pentru tratarea exacerb\u0103rilor afec\u021biunilor medicale preexistente<\/li>\n<li id=\"cdd3\" class=\"graf graf--li graf-after--li\">Politica companiei pentru serviciile \"\u00een afara re\u021belei\".<\/li>\n<li id=\"460f\" class=\"graf graf--li graf-after--li\">Acoperirea pentru complica\u021bii ale sarcinii (sau pentru un nou-n\u0103scut, \u00een special dac\u0103 nou-n\u0103scutul necesit\u0103 terapie intensiv\u0103)<\/li>\n<li id=\"d42a\" class=\"graf graf--li graf-after--li\">Acoperire pentru evacuare medical\u0103<\/li>\n<li id=\"657a\" class=\"graf graf--li graf-after--li\">Excluderi pentru activit\u0103\u021bi cu risc ridicat, cum ar fi para\u0219utismul, scufund\u0103rile \u0219i alpinismul<\/li>\n<li id=\"360d\" class=\"graf graf--li graf-after--li\">Excluderi privind urgen\u021bele psihiatrice sau leziunile legate de atacuri teroriste sau acte de r\u0103zboi<\/li>\n<li id=\"c244\" class=\"graf graf--li graf-after--li\">Dac\u0103 este nevoie de autoriza\u021bie prealabil\u0103 pentru tratament, internare \u00een spital sau alte servicii<\/li>\n<li id=\"b5b5\" class=\"graf graf--li graf-after--li\">Dac\u0103 este necesar\u0103 o a doua opinie \u00eenainte de a ob\u021bine un tratament de urgen\u021b\u0103<\/li>\n<li id=\"9047\" class=\"graf graf--li graf-after--li\">Dac\u0103 exist\u0103 un centru de asisten\u021b\u0103 24 de ore din 24 sus\u021binut de medic<\/li>\n<\/ul>\n<h4 id=\"136c\" class=\"graf graf--h4 graf-after--li\">Mai bine s\u0103 fii \u00een siguran\u021b\u0103 dec\u00e2t s\u0103-\u021bi par\u0103 r\u0103u!<\/h4>\n<p id=\"e3b3\" class=\"graf graf--p graf-after--h4\">\u00cen cele din urm\u0103, chiar \u0219i cu o acoperire complet\u0103, trebuie s\u0103 c\u0103l\u0103tori\u021bi \u00eentotdeauna \u00een siguran\u021b\u0103!<\/p>\n<ul class=\"postList\">\n<li id=\"1a3f\" class=\"graf graf--li graf-after--p\">Folosi\u021bi bunul sim\u021b, fi\u021bi con\u0219tien\u021bi de mediul \u00eenconjur\u0103tor \u0219i nu v\u0103 asuma\u021bi riscuri inutile.<\/li>\n<li id=\"a999\" class=\"graf graf--li graf-after--li\">Evita\u021bi alimentele \u0219i b\u0103uturile nesigure, mu\u0219c\u0103turile de animale \u0219i insecte \u0219i sexul neprotejat.<\/li>\n<li id=\"558a\" class=\"graf graf--li graf-after--li\">Ave\u021bi la dumneavoastr\u0103 informa\u021bii despre poli\u021ba de asigurare, inclusiv copii ale c\u0103r\u021bilor de identitate ale poli\u021bei de asigurare, orice asigurare suplimentar\u0103 achizi\u021bionat\u0103 pentru c\u0103l\u0103torie \u0219i formularele de cerere de desp\u0103gubire.<\/li>\n<li id=\"ec1d\" class=\"graf graf--li graf-after--li\">Face\u021bi o list\u0103 cu unit\u0103\u021bile medicale din zonele pe care inten\u021biona\u021bi s\u0103 le vizita\u021bi \u0219i lua\u021bi-o cu dumneavoastr\u0103.<\/li>\n<li id=\"ba21\" class=\"graf graf--li graf-after--li graf--trailing\">P\u0103stra\u021bi copii ale tuturor facturilor \u0219i chitan\u021belor pentru orice \u00eengrijiri medicale pe care le primi\u021bi \u00een str\u0103in\u0103tate.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Asigurarea de c\u0103l\u0103torie - Chiar am nevoie de ea \u0219i ce ar trebui s\u0103 caut? Mul\u021bi oameni nici m\u0103car nu se g\u00e2ndesc s\u0103 \u00eencheie o asigurare de c\u0103l\u0103torie. Un studiu recent privind c\u0103l\u0103toriile de var\u0103 a ar\u0103tat c\u0103 doar jum\u0103tate dintre canadienii care c\u0103l\u0103toresc achizi\u021bioneaz\u0103 de fapt o asigurare medical\u0103. Dar c\u0103l\u0103toria f\u0103r\u0103 asigurare este un risc - risca\u021bi s\u0103 v\u0103 pierde\u021bi toate bagajele [...]<\/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\/ro\/travel-insurance-do-i-really-need-it-and-what-should-i-look-for-63c3247d24c8\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\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\/ro\/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=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Madeline Sharpe\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minute\" \/>\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\":\"ro-RO\",\"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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