{"id":11410503,"date":"2024-08-08T14:27:19","date_gmt":"2024-08-08T12:27:19","guid":{"rendered":"https:\/\/alertdiver.eu\/?p=11410503"},"modified":"2025-02-05T11:05:41","modified_gmt":"2025-02-05T10:05:41","slug":"5-hlavnich-duvodu-proc-se-zamitaji-zadosti-potapecu-o-uhradu-pojistne-udalosti","status":"publish","type":"post","link":"https:\/\/alertdiver.eu\/cs_CZ\/clanky\/5-hlavnich-duvodu-proc-se-zamitaji-zadosti-potapecu-o-uhradu-pojistne-udalosti\/","title":{"rendered":"5 hlavn\u00edch d\u016fvod\u016f, pro\u010d se zam\u00edtaj\u00ed \u017e\u00e1dosti pot\u00e1p\u011b\u010d\u016f o \u00fahradu pojistn\u00e9 ud\u00e1losti"},"content":{"rendered":"

Pokud jde o pojistky, neexistuje nic, co by frustrovalo \u010dlov\u011bka v\u00edce ne\u017e zam\u00edtnut\u00ed \u017e\u00e1dosti o proplacen\u00ed vynalo\u017een\u00fdch v\u00fddaj\u016f po pojistn\u00e9 ud\u00e1losti. Koneckonc\u016f, k \u010demu je poji\u0161t\u011bn\u00ed, kter\u00e9 nepokryje va\u0161e v\u00fddaje?<\/p>\n

V IDA, poji\u0161\u0165ovn\u011b skupiny DAN Europe Group, je odm\u00edtnut\u00ed kompenzace \u010dlena DAN nejm\u00e9n\u011b preferovan\u00fdm v\u00fdsledkem. To je d\u016fvod, pro\u010d ka\u017ed\u00fd rok tis\u00edce \u010dlen\u016f DAN Europe \u00fasp\u011b\u0161n\u011b uplat\u0148uj\u00ed sv\u00e9 l\u00e9\u010debn\u00e9 v\u00fdlohy.<\/p>\n

Mal\u00fd zlomek n\u00e1rok\u016f v\u0161ak b\u00fdv\u00e1 zam\u00edtnut, obvykle kv\u016fli n\u011bkolika chyb\u00e1m, kter\u00fdch se \u017eadatel\u00e9 dopustili.<\/p>\n

Poj\u010fme se pod\u00edvat na p\u011bt nej\u010dast\u011bj\u0161\u00edch chyb, kter\u00e9 vedou k zam\u00edtnut\u00ed n\u00e1rok\u016f na \u00fahradu pojistn\u00fdch ud\u00e1lost\u00ed.<\/p>\n

1 – Nezapojen\u00ed pohotovostn\u00edho st\u0159ediska DAN Alarm Centre zav\u010das<\/h3>\n

Jako \u010dlen DAN se m\u016f\u017eete spolehnout na v\u00fdjime\u010dn\u00fd n\u00e1stroj: DAN Alarm Centre. Je k dispozici 24 hodin denn\u011b, 7 dn\u00ed v\u00a0t\u00fddnu a m\u016f\u017eete po\u017e\u00e1dat o pomoc prost\u0159ednictv\u00edm telefonu, hovoru VoIP a e-mailu odkudkoli na sv\u011bt\u011b.<\/p>\n

Nejen\u017ee se v\u00e1m dostane specializovan\u00e9 pomoci na\u0161ich l\u00e9ka\u0159\u016f a odborn\u00edk\u016f, DAN m\u016f\u017ee tak\u00e9 zaru\u010dit, \u017ee va\u0161e v\u00fddaje budou pokryty nebo dokonce p\u0159evezme va\u0161e n\u00e1klady tak, \u017ee nemus\u00edte nic platit p\u0159edem.<\/p>\n

Naproti tomu, pokud zapoj\u00edte DAN a\u017e pot\u00e9, co jste ji\u017e byli o\u0161et\u0159eni, m\u016f\u017eete zjistit, \u017ee n\u011bkter\u00e9 v\u00fddaje nespadaj\u00ed do va\u0161eho pojistn\u00e9ho kryt\u00ed.<\/p>\n

Tip: <\/strong>V p\u0159\u00edpad\u011b nouze kontaktujte DAN Europe Alarm Centre<\/a> okam\u017eit\u011b, jakmile to bude mo\u017en\u00e9.<\/p>\n

\"\"<\/p>\n

2 – Pozdn\u00ed ozn\u00e1men\u00ed<\/h3>\n

Dejme tomu, \u017ee jste m\u011bli nehodu, ale nezapojili jste okam\u017eit\u011b DAN, aby v\u00e1m pomohla situaci zvl\u00e1dnout. To nemus\u00ed b\u00fdt samo o sob\u011b probl\u00e9m, proto\u017ee st\u00e1le m\u016f\u017eete podat n\u00e1rok.<\/p>\n

Je v\u0161ak d\u016fle\u017eit\u00e9, abyste o tom informovali pojistitele do 60 dn\u016f od data nehody. Pokud tento term\u00edn zme\u0161k\u00e1te, va\u0161e reklamace bude zam\u00edtnuta.<\/p>\n

V minulosti se n\u011bkte\u0159\u00ed \u010dlenov\u00e9 bohu\u017eel myln\u011b domn\u00edvali, \u017ee by m\u011bli po\u010dkat, dokud nebudou dokon\u010dena v\u0161echna l\u00e9ka\u0159sk\u00e1 o\u0161et\u0159en\u00ed, ne\u017e budou moci zah\u00e1jit proces n\u00e1rokov\u00e1n\u00ed kompenzace v\u00fddaj\u016f.<\/p>\n

Ve skute\u010dnosti je prvo\u0159ad\u00e9, abyste poji\u0161\u0165ovnu informovali co nejd\u0159\u00edve, i kdy\u017e je\u0161t\u011b nev\u00edte, kolik nakonec budete po\u017eadovat.<\/p>\n

Tip: <\/strong>V\u017edy informujte IDA<\/a> do 60 dn\u016f od data nehody.<\/p>\n

3 – P\u0159ekro\u010den\u00ed po\u010dtu dn\u016f na cest\u011b<\/h3>\n

Zvl\u00e1\u0161tnost\u00ed mnoha druh\u016f poji\u0161t\u011bn\u00ed u DAN je tzv. \u201enepot\u00e1p\u011b\u010dsk\u00e9 kryt\u00ed\u201c.<\/p>\n

Nap\u0159\u00edklad s poji\u0161t\u011bn\u00edm typu Sport Silver budete poji\u0161t\u011bni pro mimo\u0159\u00e1dn\u00e9 ud\u00e1losti, kter\u00e9 nesouvisej\u00ed s pot\u00e1p\u011bn\u00edm<\/strong>, p\u0159i cestov\u00e1n\u00ed do zahrani\u010d\u00ed po dobu maxim\u00e1ln\u011b 90 dn\u00ed v roce.<\/p>\n

Nyn\u00ed zva\u017ete tento sc\u00e9n\u00e1\u0159: Rozhodnete se na 2 m\u011bs\u00edce cestovat mimo zemi sv\u00e9ho bydli\u0161t\u011b. Po n\u00e1vratu v\u00e1m zb\u00fdv\u00e1 na va\u0161em poji\u0161t\u011bn\u00ed je\u0161t\u011b 30 dn\u00ed. Pozd\u011bji t\u00e9ho\u017e roku podniknete dal\u0161\u00ed cestu, tentokr\u00e1t na 40 dn\u00ed.<\/p>\n

V tomto p\u0159\u00edpad\u011b str\u00e1v\u00edte 100 dn\u00ed cestov\u00e1n\u00edm do zahrani\u010d\u00ed. Pouze prvn\u00edch 90 z nich spad\u00e1 do rozsahu zm\u00edn\u011bn\u00e9ho nepot\u00e1p\u011b\u010dsk\u00e9ho kryt\u00ed.<\/p>\n

V\u00fdsledek: Pokud byste m\u011bli b\u011bhem posledn\u00edch 10 dn\u016f va\u0161\u00ed cesty nehodu, kter\u00e1 nesouvis\u00ed s pot\u00e1p\u011bn\u00edm, nebudete moci uplatnit pojistnou ud\u00e1lost.<\/p>\n

Tip: <\/strong>P\u0159ed cestou si zkontrolujte zb\u00fdvaj\u00edc\u00ed platnost sv\u00e9ho nepot\u00e1p\u011b\u010dsk\u00e9ho kryt\u00ed. Uschovejte si tak\u00e9 kopie sv\u00fdch cestovn\u00edch doklad\u016f (j\u00edzdenek, letenek atp.).<\/p>\n

\"\"<\/p>\n

4 – Nep\u0159e\u010dten\u00ed podm\u00ednek<\/h3>\n

M\u00e1me pro to pochopen\u00ed: \u010cten\u00ed dokument\u016f o poji\u0161t\u011bn\u00ed m\u016f\u017ee b\u00fdt nuda. Ale kdy\u017e jde o va\u0161e pen\u00edze a zabezpe\u010den\u00ed, m\u016f\u017ee znamenat p\u00e1r minut na p\u0159ezkoum\u00e1n\u00ed podm\u00ednek va\u0161eho poji\u0161t\u011bn\u00ed velkou d\u016fle\u017eitost.<\/p>\n

Uv\u011bdomit si v\u0161echna vylou\u010den\u00ed z poji\u0161t\u011bn\u00ed je obzvl\u00e1\u0161t\u011b d\u016fle\u017eit\u00e9, proto\u017ee mohou existovat situace, kter\u00e9 jste nezohlednili.<\/p>\n

Spol\u00e9hat se na neodborn\u00e9 rady je tak\u00e9 riskantn\u00ed. Va\u0161i p\u0159\u00e1tel\u00e9 mohou b\u00fdt skv\u011bl\u00ed kolegov\u00e9 pot\u00e1p\u011b\u010di, ale nemus\u00ed b\u00fdt p\u0159\u00edli\u0161 spolehliv\u00ed, kdy\u017e se jich zept\u00e1te, co zahrnuje DAN.<\/p>\n

Konec konc\u016f, n\u00e1rok bude p\u0159ijat nebo zam\u00edtnut na z\u00e1klad\u011b toho, co je naps\u00e1no v\u00a0poji\u0161\u0165ovac\u00edch dokladech, nikoli podle toho, co jste vy nebo va\u0161i kolegov\u00e9 pova\u017eovali za poji\u0161t\u011bn\u00e9.<\/p>\n

Tip: <\/strong>Pozorn\u011b si p\u0159e\u010dt\u011bte, na co se poji\u0161t\u011bn\u00ed vztahuje, a na co ne. V p\u0159\u00edpad\u011b pochybnost\u00ed se zeptejte DAN Europe.<\/p>\n

5 – Ne\u00fapln\u00e1 dokumentace<\/h3>\n

K uplatn\u011bn\u00ed pojistn\u00e9 ud\u00e1losti pot\u0159ebujete fakturu nebo jin\u00fd doklad o zaplacen\u00ed. D\u016fle\u017eit\u00e9 je v\u0161ak tak\u00e9 m\u00edt jasn\u00e9 l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy.<\/p>\n

P\u0159edpokl\u00e1dejme nap\u0159\u00edklad, \u017ee jste podstoupili l\u00e9\u010dbu v hyperbarick\u00e9 komo\u0159e, ale nem\u00e1te \u017e\u00e1dnou l\u00e9ka\u0159skou zpr\u00e1vu, kter\u00e1 by uv\u00e1d\u011bla, pro\u010d jste takovou terapii pot\u0159ebovali. Bez \u0159\u00e1dn\u00e9 zpr\u00e1vy od o\u0161et\u0159uj\u00edc\u00edho za\u0159\u00edzen\u00ed nebude pojistitel schopen uhradit va\u0161e n\u00e1klady.<\/p>\n

Tip: <\/strong>V\u017edy si vy\u017e\u00e1dejte a uschovejte v\u0161echny l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy, doklady o platb\u011b a faktury.<\/p>\n

Ohl\u00e1sit pojistnou ud\u00e1lost nen\u00ed legrace. \u010clov\u011bk se v prv\u00e9 \u0159ad\u011b sna\u017e\u00ed nehod\u00e1m vyhnout. Pokud se ale n\u011bkdy v nouzov\u00e9 situaci ocitnete, nyn\u00ed ji\u017e v\u00edte, jak si u\u0161et\u0159it dal\u0161\u00ed stres a zajistit hladk\u00fd a bezprobl\u00e9mov\u00fd proces finan\u010dn\u00ed kompenzace.<\/p>\n

\n

O autorovi<\/strong><\/p>\n

Emanuele p\u016fsob\u00ed v DAN Europe od roku 2013 a v sou\u010dasnosti p\u016fsob\u00ed jako mana\u017eer pro zkvalit\u0148ov\u00e1n\u00ed slu\u017eeb z\u00e1kazn\u00edk\u016fm. V\u011bnuje se zlep\u0161ov\u00e1n\u00ed zku\u0161enost\u00ed \u010dlen\u016f DAN d\u00edky lep\u0161\u00edmu porozum\u011bn\u00ed a vyu\u017e\u00edv\u00e1n\u00ed existuj\u00edc\u00edch nab\u00eddek a mo\u017enost\u00ed. Emanuele mluv\u00ed plynn\u011b italsky, anglicky a \u0161pan\u011blsky a je nad\u0161en p\u0159\u00ednosem, kter\u00fd pro pot\u00e1p\u011b\u010dskou komunitu znamen\u00e1 \u010dlenstv\u00ed v DAN Europe.<\/p>\n

\n

P\u0159ekladatel<\/strong>: Klement Hartinger<\/a><\/p>\n

\n","protected":false},"excerpt":{"rendered":"

Pokud jde o pojistky, neexistuje nic, co by frustrovalo \u010dlov\u011bka v\u00edce ne\u017e zam\u00edtnut\u00ed \u017e\u00e1dosti o proplacen\u00ed vynalo\u017een\u00fdch v\u00fddaj\u016f po pojistn\u00e9 ud\u00e1losti. Koneckonc\u016f, k \u010demu je…<\/p>\n","protected":false},"author":9,"featured_media":11410490,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[384],"tags":[1877,1880],"authors":[2016],"class_list":["post-11410503","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-clanky","tag-zajimavosti","tag-zalezitosti-k-pojisteni","authors-emanuele-giacchetta-cs_CZ"],"acf":[],"yoast_head":"\n5 hlavn\u00edch d\u016fvod\u016f, pro\u010d se zam\u00edtaj\u00ed \u017e\u00e1dosti pot\u00e1p\u011b\u010d\u016f o \u00fahradu pojistn\u00e9 ud\u00e1losti - Alert Diver<\/title>\n<meta name=\"description\" content=\"Autor vysv\u011btluje p\u011bt d\u016fvod\u016f, pro\u010d b\u00fdvaj\u00ed zam\u00edtnuty \u017e\u00e1dosti na \u00fahradu v\u00fddaj\u016f souvisej\u00edc\u00edch s pot\u00e1p\u011b\u010dskou pojistnou ud\u00e1lost\u00ed.\" \/>\n<meta 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content=\"https:\/\/alertdiver.eu\/cs_CZ\/clanky\/5-hlavnich-duvodu-proc-se-zamitaji-zadosti-potapecu-o-uhradu-pojistne-udalosti\/\" \/>\n<meta property=\"og:site_name\" content=\"Alert Diver\" \/>\n<meta property=\"article:published_time\" content=\"2024-08-08T12:27:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-05T10:05:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/alertdiver.eu\/wp-content\/uploads\/2024\/08\/The-Top-5-Reasons-Why-Diving-Insurance-Claims-Get-Denied_BannerWeb_2560x1120.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1120\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"mtuccella@daneurope.org\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"mtuccella@daneurope.org\" \/>\n\t<meta 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