{"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\/sv\/hur-fungerar-reseforsakringar\/","title":{"rendered":"Hur fungerar en resef\u00f6rs\u00e4kring?"},"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%|#ffff 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=\"#FFFFFF\" header_font_size=\"2rem\" background_color=\"rgba(38,52,62,0.5)\" custom_margin=\"0px|0px|0px|0px|false|false\" custom_padding=\"20px|20px|0px|20px|false|false\" global_colors_info=\"{}\"]<h1>SITATA INSURANCE ACADEMY<\/h1>[\/et_pb_text][et_pb_text _builder_version=\"4.20.2\u2033 _module_preset=\"default\" header_font=\"|700|||||||\" header_text_color=\"#FFFFFF\" header_font_size=\"3rem\" header_line_height=\"1.2em\" background_color=\"rgba(38,52,62,0.5)\" custom_margin=\"0px|0px|0px|0px|false|false\" custom_padding=\"10px|20px|20px|20px|false|false\" header_text_shadow_style=\"preset2\u2033 global_colors_info=\"{}\"]<h1>HUR G\u00d6R  <span style=\"color: #e1b876;\">FUNGERAR RESEF\u00d6RS\u00c4KRINGAR?<\/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]<p>Resef\u00f6rs\u00e4kringar \u00e4r en viktig del av varje resa, oavsett om du reser inrikes eller utrikes. Den kan ge ekonomiskt skydd mot of\u00f6rutsedda h\u00e4ndelser som inst\u00e4llda flyg, f\u00f6rlorat bagage eller ov\u00e4ntade sjukv\u00e5rdskostnader. I den h\u00e4r artikeln g\u00e5r vi igenom grunderna f\u00f6r hur en resef\u00f6rs\u00e4kring fungerar.<\/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]<h3>Steg 1: Att v\u00e4lja r\u00e4tt policy<\/h3>\n<p>Det finns m\u00e5nga olika typer av resef\u00f6rs\u00e4kringar och det \u00e4r viktigt att v\u00e4lja r\u00e4tt f\u00f6r dina behov. Vissa f\u00f6rs\u00e4kringar t\u00e4cker endast medicinska n\u00f6dsituationer, medan andra kan erbjuda t\u00e4ckning f\u00f6r inst\u00e4llda resor, f\u00f6rlorat eller stulet bagage med mera. Innan du v\u00e4ljer en f\u00f6rs\u00e4kring ska du se till att l\u00e4sa det finstilta och f\u00f6rst\u00e5 vad som t\u00e4cks och vad som inte t\u00e4cks.<\/p>\n<h3>Steg 2: Att k\u00f6pa policyn<\/h3>\n<p>N\u00e4r du har valt en f\u00f6rs\u00e4kring som uppfyller dina behov \u00e4r det dags att k\u00f6pa den. Du kan ofta k\u00f6pa en resef\u00f6rs\u00e4kring direkt fr\u00e5n flygbolaget, kryssningsrederiet eller resebyr\u00e5n du anv\u00e4nder, eller s\u00e5 kan du k\u00f6pa den direkt fr\u00e5n en f\u00f6rs\u00e4kringsleverant\u00f6r. Vissa kreditkort erbjuder ocks\u00e5 resef\u00f6rs\u00e4kringar som en f\u00f6rm\u00e5n, s\u00e5 se till att kontrollera om ditt kort inkluderar detta skydd.<\/p>\n<h3>Steg 3: F\u00f6rst\u00e5 t\u00e4ckningen<\/h3>\n<p>Det \u00e4r viktigt att du f\u00f6rst\u00e5r vad din f\u00f6rs\u00e4kring t\u00e4cker innan du p\u00e5b\u00f6rjar din resa. Det kan handla om hur mycket du har t\u00e4ckt f\u00f6r sjukv\u00e5rdskostnader, vilken sj\u00e4lvrisk du m\u00e5ste betala och hur mycket f\u00f6rs\u00e4kringen maximalt kan betala ut. Du b\u00f6r ocks\u00e5 f\u00f6rst\u00e5 eventuella undantag eller begr\u00e4nsningar i f\u00f6rs\u00e4kringen, t.ex. t\u00e4ckning f\u00f6r redan existerande sjukdomar eller \u00e4ventyrssporter.<\/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|false|false\" border_radii=\"on|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=\"Huvudbild av glada resen\u00e4rer p\u00e5 flygplatsen f\u00f6r en bekymmersfri resa med resef\u00f6rs\u00e4kring\" 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]<h1>\u00c4r du redo att b\u00f6rja?<\/h1>\n<h1>Tid till <strong><span style=\"color: #e1b876;\">Skydda din resa<\/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]<p>Sitatas resef\u00f6rs\u00e4kring \u00e4r s\u00e5 mycket mer. Chat-firstassistans 24\/7\/365, st\u00f6rnings- och s\u00e4kerhetsmeddelanden i realtid, flyguppf\u00f6ljning, telemedicin, snabba digitala utbetalningar av ers\u00e4ttningsanspr\u00e5k och listan forts\u00e4tter... allt f\u00f6r att du ska kunna resa bekymmersfritt. S\u00e5 vad v\u00e4ntar du p\u00e5?<\/p>[\/et_pb_text][et_pb_button button_url=\"https:\/\/www.sitata.com\/for-your-trip\" button_text=\"Kolla priser\" _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]<h3>Steg 4: G\u00f6r ett anspr\u00e5k<\/h3>\n<p>Om du r\u00e5kar ut f\u00f6r en t\u00e4ckt h\u00e4ndelse under resan, t.ex. en medicinsk n\u00f6dsituation eller f\u00f6rlorat bagage, m\u00e5ste du g\u00f6ra en skadeanm\u00e4lan till din f\u00f6rs\u00e4kringsgivare. F\u00f6r att g\u00f6ra detta m\u00e5ste du vanligtvis tillhandah\u00e5lla dokumentation om h\u00e4ndelsen, t.ex. en polisrapport eller l\u00e4karjournaler. F\u00f6rs\u00e4kringsbolaget kommer sedan att utv\u00e4rdera ditt krav och avg\u00f6ra om det t\u00e4cks av din f\u00f6rs\u00e4kring.<\/p>\n<h3>Steg 5: Erh\u00e5ller ers\u00e4ttning<\/h3>\n<p>Om ditt anspr\u00e5k godk\u00e4nns kommer f\u00f6rs\u00e4kringsbolaget att ge dig ers\u00e4ttning enligt villkoren i din f\u00f6rs\u00e4kring. Detta kan omfatta ers\u00e4ttning f\u00f6r sjukv\u00e5rdskostnader, kontant ers\u00e4ttning f\u00f6r en inst\u00e4lld eller avbruten resa eller ers\u00e4ttning f\u00f6r f\u00f6rlorade eller stulna f\u00f6rem\u00e5l. Det \u00e4r viktigt att notera att du sannolikt m\u00e5ste betala eventuella utgifter i f\u00f6rv\u00e4g och sedan l\u00e4mna in en ans\u00f6kan om ers\u00e4ttning.<\/p>\n<h3>Steg 6: Avbryta en policy<\/h3>\n<p>Om du m\u00e5ste avbryta din resa kan du ocks\u00e5 beh\u00f6va s\u00e4ga upp din resef\u00f6rs\u00e4kring. M\u00e5nga f\u00f6rs\u00e4kringar erbjuder en period av fri pr\u00f6vning, under vilken du kan s\u00e4ga upp f\u00f6rs\u00e4kringen och f\u00e5 full \u00e5terbetalning. Om du beh\u00f6ver avbryta efter den fria tittperioden kan du bli debiterad en avbokningsavgift.<\/p>\n<p>Sammanfattningsvis kan en resef\u00f6rs\u00e4kring ge dig ett viktigt ekonomiskt skydd under din resa. Genom att v\u00e4lja r\u00e4tt f\u00f6rs\u00e4kring, f\u00f6rst\u00e5 vad den t\u00e4cker och veta hur man g\u00f6r en skadeanm\u00e4lan kan du se till att du \u00e4r f\u00f6rberedd p\u00e5 ov\u00e4ntade h\u00e4ndelser som kan intr\u00e4ffa. Kom ih\u00e5g att l\u00e4sa det finstilta, st\u00e4lla fr\u00e5gor och se till att du k\u00e4nner dig bekv\u00e4m med f\u00f6rs\u00e4kringen innan du g\u00f6r ett k\u00f6p.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\"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=\"checklista\" 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=\"40b587d8-3a29-4472-9390-93da297e869e\" text_orientation=\"right\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" global_colors_info=\"{}\"]<p style=\"text-align: left;\">G\u00e5 tillbaka till...<\/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@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMTk3NyJ9fQ==@\" hover_enabled=\"0\u2033 locked=\"off\" global_colors_info=\"{}\" sticky_enabled=\"0\u2033]<p style=\"text-align: left;\"><span style=\"text-decoration: underline;\">Checklista f\u00f6r resef\u00f6rs\u00e4kring<\/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\" 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=\"40b587d8-3a29-4472-9390-93da297e869e\" text_orientation=\"right\" custom_margin=\"||0px||false|false\" custom_padding=\"||0px||false|false\" global_colors_info=\"{}\"]<p>N\u00e4sta punkt \u00e4r...<\/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@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMTkwOCJ9fQ==@\" hover_enabled=\"0\u2033 global_colors_info=\"{}\" sticky_enabled=\"0\u2033]<p><span style=\"text-decoration: underline;\">Hur mycket kostar en resef\u00f6rs\u00e4kring?<\/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\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"bottom\" global_colors_info=\"{}\"]<h1 class=\"sitata-hero-header\"><!-- [et_pb_line_break_holder] -->  Vad h\u00e4nder om din resef\u00f6rs\u00e4kring faktiskt <span class=\"sitata-header-highlight\"> hj\u00e4lpte dig att f\u00e5 en smidigare resa?<\/span><!-- [et_pb_line_break_holder] --><\/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\u2033 scroll_fade_enable=\"on\" motion_trigger_start=\"bottom\" global_colors_info=\"{}\"]<p><span>Se varf\u00f6r tusentals resen\u00e4rer v\u00e4ljer Sitata n\u00e4r de reser<\/span><\/p>[\/et_pb_text][et_pb_button button_url=\"@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjExMDE1NSJ9fQ==@\" button_text=\"V\u00e4lj Sitata nu\" 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|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_section]","protected":false},"excerpt":{"rendered":"<p>SITATA INSURANCE ACADEMYHUR FUNGERAR RESEF\u00d6RS\u00c4KRINGAR Resef\u00f6rs\u00e4kring \u00e4r en viktig del av varje resa, oavsett om du reser inom landet eller utomlands. Den kan ge ekonomiskt skydd mot of\u00f6rutsedda h\u00e4ndelser som inst\u00e4llda flyg, f\u00f6rlorat bagage eller ov\u00e4ntade sjukv\u00e5rdskostnader. I den h\u00e4r artikeln g\u00e5r vi igenom grunderna f\u00f6r hur en resef\u00f6rs\u00e4kring fungerar.Steg 1: V\u00e4lja r\u00e4tt [...]<\/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":"<!-- This site is optimized with the Yoast SEO plugin v23.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How 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, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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