{"id":1927,"date":"2026-01-26T14:24:37","date_gmt":"2026-01-26T13:24:37","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1927"},"modified":"2026-01-26T15:17:51","modified_gmt":"2026-01-26T14:17:51","slug":"pojisteni-urazu-pri-lyzovani-na-co-si-dat-pozor","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/pojisteni-urazu-pri-lyzovani-na-co-si-dat-pozor\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed \u00farazu p\u0159i ly\u017eov\u00e1n\u00ed: Na co si d\u00e1t pozor?"},"content":{"rendered":"\n<p>My \u010ce\u0161i jsme n\u00e1rodem ly\u017ea\u0159\u016f. Tomuto sportu se v\u011bnuje p\u0159ibli\u017en\u011b p\u011btina obyvatel \u2013 a to nepo\u010d\u00edt\u00e1me p\u0159\u00edznivce snowboardu a dal\u0161\u00edch zimn\u00edch radov\u00e1nek. V\u00edc ne\u017e p\u016fl milionu \u010cech\u016f nav\u00edc ka\u017edoro\u010dn\u011b vyraz\u00ed br\u00e1zdit svahy Alp. V\u00edte ale, jak se na takovou zahrani\u010dn\u00ed dovolenou spr\u00e1vn\u011b pojistit?<\/p>\n\n\n\n<p><strong>Autor \u010dl\u00e1nku: <\/strong>Tom\u00e1\u0161 Kl\u00e1pa, senior specialista pro majetkov\u00e9 poji\u0161t\u011bn\u00ed a SME<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete:<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#h-nejcastejsi-urazy-pri-lyzovani\">Nej\u010dast\u011bj\u0161\u00ed \u00farazy p\u0159i ly\u017eov\u00e1n\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-spr-vn-razov-poji-t-n-zimn-ch-sport\">Spr\u00e1vn\u00e9 \u00farazov\u00e9 poji\u0161t\u011bn\u00ed zimn\u00edch sport\u016f<\/a><\/li><li class=\"\"><a href=\"#htoc-cestujete-za-ly-ov-n-m-v-ckr-t-do-roka-zva-te-celoro-n-poji-t-n\">Cestujete za ly\u017eov\u00e1n\u00edm v\u00edckr\u00e1t do roka? Zva\u017ete celoro\u010dn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-nezapome-te-na-poji-t-n-odpov-dnosti\">Nezapome\u0148te na poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/a><\/li><li class=\"\"><a href=\"#htoc-p-ipoji-t-n-tolerance-alkoholu\">P\u0159ipoji\u0161t\u011bn\u00ed tolerance alkoholu<\/a><\/li><li class=\"\"><a href=\"#htoc-riziko-zimn-ch-raz-ve-m-st\">Riziko zimn\u00edch \u00faraz\u016f ve m\u011bst\u011b<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>\u201eV posledn\u00edch letech stoup\u00e1 z\u00e1jem o&nbsp;ly\u017eov\u00e1n\u00ed v&nbsp;zahrani\u010d\u00ed, p\u0159i\u010dem\u017e nejobl\u00edben\u011bj\u0161\u00edmi destinacemi jsou Rakousko, It\u00e1lie, Slovensko, Francie a&nbsp;\u0160v\u00fdcarsko,\u201d<\/em>&nbsp;\u0159\u00edk\u00e1 specialista na poji\u0161t\u011bn\u00ed FinGO Tom\u00e1\u0161 Kl\u00e1pa.<\/p>\n\n\n\n<p>Proto\u017ee ka\u017ed\u00fd rok p\u0159ib\u00fdv\u00e1 ly\u017ea\u0159\u016f, zvy\u0161uje se i po\u010det&nbsp;<a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-pojisteni-urazu-a-invalidity\/\">\u00faraz\u016f na sjezdovk\u00e1ch<\/a>. Podle statistik se p\u0159i ly\u017eov\u00e1n\u00ed v \u010cesku <strong>ro\u010dn\u011b zran\u00ed asi 4 000 lid\u00ed<\/strong>. A p\u0159ibli\u017en\u011b <strong>55kr\u00e1t denn\u011b vyj\u00ed\u017ed\u00ed horsk\u00e1 slu\u017eba<\/strong> \u2013 hlavn\u011b v Krkono\u0161\u00edch.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-7bafb11d33338834cc3bc3bcb792097c\"><strong>Tip: <\/strong>Na cestovn\u00ed poji\u0161t\u011bn\u00ed ur\u010dit\u011b nezapom\u00ednejte, ani kdy\u017e vyr\u00e1\u017e\u00edte do tepla. Pod\u00edvejte se na <a href=\"https:\/\/www.fingo.cz\/blog\/pojisteni-na-cesty-10-rad-pred-letni-dovolenou\/\"><strong>10 rad p\u0159ed letn\u00ed dovolenou<\/strong><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nejcastejsi-urazy-pri-lyzovani\"><strong>Nej\u010dast\u011bj\u0161\u00ed \u00farazy p\u0159i ly\u017eov\u00e1n\u00ed<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-zlomeniny-a-dal-zran-n-doln-ch-kon-etin-p-edstavuj-40-v-ech-raz\">Zlomeniny a dal\u0161\u00ed <strong>zran\u011bn\u00ed doln\u00edch kon\u010detin<\/strong> p\u0159edstavuj\u00ed 40 % v\u0161ech \u00faraz\u016f.<\/li>\n\n\n\n<li id=\"htoc-zran-n-horn-ch-kon-etin-jako-jsou-zlomeniny-vyklouben-nebo-t-eba-p-etr-en-lach-a-vaz-zauj-maj-druh-m-sto-t-mto-raz-m-ve-statistik-ch-pat-30\"><strong>Zran\u011bn\u00ed horn\u00edch kon\u010detin<\/strong>, jako jsou zlomeniny, vyklouben\u00ed nebo t\u0159eba p\u0159etr\u017een\u00ed \u0161lach a vaz\u016f zauj\u00edmaj\u00ed druh\u00e9 m\u00edsto. T\u011bmto \u00faraz\u016fm ve statistik\u00e1ch pat\u0159\u00ed 30 %.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-spr-vn-razov-poji-t-n-zimn-ch-sport\"><strong>Spr\u00e1vn\u00e9 \u00farazov\u00e9 poji\u0161t\u011bn\u00ed zimn\u00edch sport\u016f<\/strong><\/h2>\n\n\n\n<p><em>\u201eKdy\u017e se zran\u00edte na sjezdovce v&nbsp;\u010cesku, n\u00e1klady na l\u00e9\u010dbu v\u00e1m hrad\u00ed ve\u0159ejn\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed. Pro cesty do zahrani\u010d\u00ed byste ale m\u011bli m\u00edt sjednan\u00e9 <\/em><strong><em>cestovn\u00ed poji\u0161t\u011bn\u00ed s&nbsp;dostate\u010dn\u00fdmi limity na l\u00e9\u010debn\u00e9 v\u00fdlohy<\/em><\/strong><em>,\u201d<\/em> upozor\u0148uje Tom\u00e1\u0161 Kl\u00e1pa.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-bb0a642334a160d1760fcee25bbdb362\"><strong>Pozor: <\/strong>N\u011bkter\u00e9 adrenalinov\u00e9 aktivity \u2013 nap\u0159\u00edklad freeride nebo skialpinismus \u2013 poji\u0161\u0165ovny \u010dasto nekryj\u00ed v\u016fbec.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/cestovni_pojisteni_navrh_fingo_1.png\" alt=\"\" class=\"wp-image-2703\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/cestovni_pojisteni_navrh_fingo_1.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/cestovni_pojisteni_navrh_fingo_1-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/cestovni_pojisteni_navrh_fingo_1-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/cestovni_pojisteni_navrh_fingo_2.png\" alt=\"\" class=\"wp-image-2704\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/cestovni_pojisteni_navrh_fingo_2.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/cestovni_pojisteni_navrh_fingo_2-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/cestovni_pojisteni_navrh_fingo_2-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-cestujete-za-ly-ov-n-m-v-ckr-t-do-roka-zva-te-celoro-n-poji-t-n\">Cestujete za ly\u017eov\u00e1n\u00edm v\u00edckr\u00e1t do roka? Zva\u017ete celoro\u010dn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p><strong>Jak\u00e9 v\u00fdhody takov\u00e9 poji\u0161t\u011bn\u00ed p\u0159in\u00e1\u0161\u00ed?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-nemus-m-s-ka-dou-cestou-e-it-poji-t-n-celoro-n-m-chr-n-p-i-ka-d-cest\">Nemus\u00edte s ka\u017edou cestou \u0159e\u0161it poji\u0161t\u011bn\u00ed: celoro\u010dn\u00ed v\u00e1s chr\u00e1n\u00ed p\u0159i ka\u017ed\u00e9 cest\u011b<\/li>\n\n\n\n<li id=\"htoc-nej-ir-rozsah-poji-t-n-celoro-n-poji-t-n-nab-z-pln-rozsah-z-nab-dky-dan-poji-ovny\">M\u00e1 nej\u0161ir\u0161\u00ed rozsah poji\u0161t\u011bn\u00ed: celoro\u010dn\u00ed poji\u0161t\u011bn\u00ed nab\u00edz\u00ed pln\u00fd rozsah z nab\u00eddky dan\u00e9 poji\u0161\u0165ovny<\/li>\n\n\n\n<li id=\"htoc-u-et-m-a-tis-ce-korun-cenov-je-to-nejv-hodn-j-varianta-jak-pojistit-cestov-n-a-to-jak-pro-jednotlivce-tak-rodinu\">U\u0161et\u0159\u00edte a\u017e tis\u00edce korun: cenov\u011b je to nejv\u00fdhodn\u011bj\u0161\u00ed varianta pro jednotlivce i rodinu.<\/li>\n\n\n\n<li id=\"htoc-storno-z-jezdu-letenky-pobytu-hotelu-z-itku-v-t-ina-celoro-n-ch-poji-t-n-to-nab-z-a-s-vysok-m-limitem\">Poji\u0161t\u011bn\u00ed storna z\u00e1jezdu, letenek, pobytu, hotelu, z\u00e1\u017eitku: v\u011bt\u0161ina celoro\u010dn\u00edch poji\u0161t\u011bn\u00ed to nab\u00edz\u00ed a s vysok\u00fdm limitem.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-nezapome-te-na-poji-t-n-odpov-dnosti\"><strong>Nezapome\u0148te na poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/strong><\/h2>\n\n\n\n<p>Obzvl\u00e1\u0161\u0165 v hezk\u00e9m po\u010das\u00ed nebo o v\u00edkendech b\u00fdvaj\u00ed sjezdovky \u010dasto p\u0159epln\u011bn\u00e9. Pak je velmi jednoduch\u00e9 <strong>se srazit s dal\u0161\u00edm ly\u017ea\u0159em<\/strong> nebo snowboardistou a zp\u016fsobit mu zran\u011bn\u00ed.<\/p>\n\n\n\n<p>Pokud je to va\u0161e vina, m\u016f\u017ee se v\u00e1m <strong>od\u0161kodn\u011bn\u00ed po\u0159\u00e1dn\u011b prodra\u017eit<\/strong>. Nem\u011bli byste proto podce\u0148ovat ani <a href=\"https:\/\/www.fingo.cz\/blog\/pojistka-odpovednosti-opomijena-a-pritom-tak-dulezita\/\"><strong>poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/strong><\/a>, kter\u00e9 si m\u016f\u017eete jednodu\u0161e sjednat v r\u00e1mci cestovn\u00edho poji\u0161t\u011bn\u00ed. <strong>Ve v\u011bt\u0161in\u011b zem\u00ed se toto poji\u0161t\u011bn\u00ed stalo\/st\u00e1v\u00e1 povinn\u00fdm<\/strong>, a m\u016f\u017ee b\u00fdt po ly\u017ea\u0159i po\u017eadov\u00e1no p\u0159edlo\u017een\u00ed potvrzen\u00ed o uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p>Poji\u0161\u0165ovna za v\u00e1s pak po\u0161kozen\u00e9mu proplat\u00ed nejen od\u0161kodn\u00e9, ale i <strong>l\u00e9\u010dbu n\u00e1sledk\u016f, p\u0159\u00edpadn\u011b u\u0161l\u00fd zisk nebo do\u010dasnou v\u00fdpomoc v dom\u00e1cnosti<\/strong>. Tyto n\u00e1klady se m\u016f\u017eou pohybovat i v \u0159\u00e1dech milion\u016f korun.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-p-ipoji-t-n-tolerance-alkoholu\"><strong>P\u0159ipoji\u0161t\u011bn\u00ed tolerance alkoholu<\/strong><\/h2>\n\n\n\n<p>P\u0159i zast\u00e1vk\u00e1ch v bistrech a restaurac\u00edch na sjezdovce si \u010dasto m\u016f\u017eete dop\u0159\u00e1t i n\u011bco ost\u0159ej\u0161\u00edho. T\u0159eba sva\u0159\u00e1k nebo Bombardino. Ne\u017e se ale do podobn\u00fdch n\u00e1poj\u016f pust\u00edte, <strong>zamyslete se nad sjednan\u00fdm poji\u0161t\u011bn\u00edm<\/strong>.<\/p>\n\n\n\n<p>V\u011bt\u0161ina poji\u0161\u0165oven m\u00e1 toti\u017e v podm\u00ednk\u00e1ch <strong>nulovou toleranci alkoholu<\/strong>. To znamen\u00e1, \u017ee v tu chv\u00edli se na v\u00e1s sjednan\u00e9 poji\u0161t\u011bn\u00ed nevztahuje a jako byste ho ani nem\u011bli.<\/p>\n\n\n\n<p>Pokud si ly\u017eov\u00e1n\u00ed bez alkoholu neum\u00edte p\u0159edstavit, m\u016f\u017eete si <strong>p\u0159ipojistit toleranci a\u017e do 0,8 promile<\/strong>. I tak ale m\u011bjte na pam\u011bti hlavn\u011b bezpe\u010dnost \u2013 jak svou, tak ostatn\u00edch ly\u017ea\u0159\u016f \u2013 a pit\u00ed alkoholu si ide\u00e1ln\u011b <strong>nechte a\u017e na ve\u010der do baru<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"657\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/bombardino-na-horach.jpg\" alt=\"Bombardino a ly\u017eov\u00e1n\u00ed k sob\u011b moc nejdou \u2013 pozor na poji\u0161t\u011bn\u00ed \u00farazu p\u0159i pit\u00ed alkoholu\" class=\"wp-image-1933\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/bombardino-na-horach.jpg 1000w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/bombardino-na-horach-300x197.jpg 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/bombardino-na-horach-768x505.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-riziko-zimn-ch-raz-ve-m-st\"><strong>Riziko zimn\u00edch \u00faraz\u016f ve m\u011bst\u011b<\/strong><\/h2>\n\n\n\n<p>V zim\u011b se zvy\u0161uje riziko \u00faraz\u016f i v b\u011b\u017en\u00e9m \u017eivot\u011b. Je to hlavn\u011b kv\u016fli namrzl\u00fdm chodn\u00edk\u016fm a silnic\u00edm, p\u0159\u00edpadn\u011b p\u00e1du sn\u011bhu nebo ledu ze st\u0159echy. Kdo za \u00farazy nese odpov\u011bdnost?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-razy-kv-li-neupraven-m-chodn-k-m-m-sta-a-obce\"><strong>\u00darazy kv\u016fli neupraven\u00fdm chodn\u00edk\u016fm<\/strong>: m\u011bsta a obce<\/li>\n\n\n\n<li id=\"htoc-p-d-sn-hu-a-ledu-ze-st-echy-majitel-nemovitost\"><strong>P\u00e1d sn\u011bhu a ledu ze st\u0159echy<\/strong>: majitel\u00e9 nemovitost\u00ed<\/li>\n\n\n\n<li id=\"htoc-kluzk-podlahy-v-domech-nebo-n-kupn-ch-centrech-majitel-nemovitost\"><strong>Kluzk\u00e9 podlahy v domech nebo n\u00e1kupn\u00edch centrech<\/strong>: majitel\u00e9 nemovitost\u00ed<\/li>\n\n\n\n<li id=\"htoc-razy-v-m-stsk-hromadn-doprav-dopravn-podnik-dan-ho-m-sta\"><strong>\u00darazy v m\u011bstsk\u00e9 hromadn\u00e9 doprav\u011b<\/strong>: dopravn\u00ed podnik dan\u00e9ho m\u011bsta<\/li>\n<\/ul>\n\n\n\n<p>Pro v\u0161echny tyto p\u0159\u00edpady se op\u011bt vyplat\u00ed m\u00edt sjednan\u00e9 <strong>poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/strong>. Stejn\u011b jako p\u0159i \u00farazech na ly\u017e\u00edch v\u00e1s kryje v p\u0159\u00edpad\u011b, \u017ee zp\u016fsob\u00edte \u0161kodu na zdrav\u00ed nebo majetku t\u0159et\u00ed osoby.<\/p>\n\n\n\n<p>A\u0165 u\u017e vyr\u00e1\u017e\u00edte na hory nebo chcete m\u00edt jen v\u011bt\u0161\u00ed jistotu v b\u011b\u017en\u00e9m \u017eivot\u011b, r\u00e1di v\u00e1m <strong>pom\u016f\u017eeme se spr\u00e1vn\u00fdm poji\u0161t\u011bn\u00edm<\/strong>. <a href=\"https:\/\/www.fingo.cz\/kontakty\">Nechte n\u00e1m na sebe kontakt<\/a> a na\u0161i poradci se v\u00e1m co nejd\u0159\u00edve ozvou.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>My \u010ce\u0161i jsme n\u00e1rodem ly\u017ea\u0159\u016f. Tomuto sportu se v\u011bnuje p\u0159ibli\u017en\u011b p\u011btina obyvatel \u2013 a to nepo\u010d\u00edt\u00e1me p\u0159\u00edznivce snowboardu a dal\u0161\u00edch zimn\u00edch radov\u00e1nek. V\u00edc ne\u017e p\u016fl milionu \u010cech\u016f nav\u00edc ka\u017edoro\u010dn\u011b vyraz\u00ed br\u00e1zdit svahy Alp. V\u00edte ale, jak se na takovou zahrani\u010dn\u00ed dovolenou spr\u00e1vn\u011b pojistit? Autor \u010dl\u00e1nku: Tom\u00e1\u0161 Kl\u00e1pa, senior specialista pro majetkov\u00e9 poji\u0161t\u011bn\u00ed a SME \u201eV posledn\u00edch letech stoup\u00e1 z\u00e1jem o&nbsp;ly\u017eov\u00e1n\u00ed v&nbsp;zahrani\u010d\u00ed, p\u0159i\u010dem\u017e nejobl\u00edben\u011bj\u0161\u00edmi destinacemi jsou Rakousko, It\u00e1lie, Slovensko, Francie a&nbsp;\u0160v\u00fdcarsko,\u201d&nbsp;\u0159\u00edk\u00e1 specialista na poji\u0161t\u011bn\u00ed FinGO Tom\u00e1\u0161 Kl\u00e1pa. Proto\u017ee ka\u017ed\u00fd rok p\u0159ib\u00fdv\u00e1 ly\u017ea\u0159\u016f, zvy\u0161uje se i po\u010det&nbsp;\u00faraz\u016f na sjezdovk\u00e1ch. Podle statistik se p\u0159i ly\u017eov\u00e1n\u00ed v \u010cesku ro\u010dn\u011b zran\u00ed asi 4 000 lid\u00ed. A p\u0159ibli\u017en\u011b 55kr\u00e1t denn\u011b vyj\u00ed\u017ed\u00ed horsk\u00e1 slu\u017eba \u2013 hlavn\u011b v Krkono\u0161\u00edch. Tip: Na cestovn\u00ed poji\u0161t\u011bn\u00ed ur\u010dit\u011b nezapom\u00ednejte, ani kdy\u017e vyr\u00e1\u017e\u00edte do tepla. Pod\u00edvejte se na 10 rad p\u0159ed letn\u00ed dovolenou. Nej\u010dast\u011bj\u0161\u00ed \u00farazy p\u0159i ly\u017eov\u00e1n\u00ed Spr\u00e1vn\u00e9 \u00farazov\u00e9 poji\u0161t\u011bn\u00ed zimn\u00edch sport\u016f \u201eKdy\u017e se zran\u00edte na sjezdovce v&nbsp;\u010cesku, n\u00e1klady na l\u00e9\u010dbu v\u00e1m hrad\u00ed ve\u0159ejn\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed. Pro cesty do zahrani\u010d\u00ed byste ale m\u011bli m\u00edt sjednan\u00e9 cestovn\u00ed poji\u0161t\u011bn\u00ed s&nbsp;dostate\u010dn\u00fdmi limity na l\u00e9\u010debn\u00e9 v\u00fdlohy,\u201d upozor\u0148uje Tom\u00e1\u0161 Kl\u00e1pa. Pozor: N\u011bkter\u00e9 adrenalinov\u00e9 aktivity \u2013 nap\u0159\u00edklad freeride nebo skialpinismus \u2013 poji\u0161\u0165ovny \u010dasto nekryj\u00ed v\u016fbec. Cestujete za ly\u017eov\u00e1n\u00edm v\u00edckr\u00e1t do roka? Zva\u017ete celoro\u010dn\u00ed poji\u0161t\u011bn\u00ed Jak\u00e9 v\u00fdhody takov\u00e9 poji\u0161t\u011bn\u00ed p\u0159in\u00e1\u0161\u00ed? [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":2706,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[115,114,164,113],"class_list":["post-1927","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cestovni-pojisteni","tag-lyzovani","tag-pojisteni-zimnich-sportu","tag-tomas-klapa","tag-urazy-na-lyzich"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Poji\u0161t\u011bn\u00ed \u00farazu p\u0159i ly\u017eov\u00e1n\u00ed: Na co si d\u00e1t pozor? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"V\u00edte, jak na poji\u0161t\u011bn\u00ed \u00farazu, pokud pl\u00e1nujete ly\u017eov\u00e1n\u00ed v Alp\u00e1ch? Pod\u00edvejte se, na co p\u0159ed cestou nezapomenout, a\u0165 se v\u00e1m dovolen\u00e1 neprodra\u017e\u00ed.\" \/>\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.fingo.cz\/blog\/pojisteni-urazu-pri-lyzovani-na-co-si-dat-pozor\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poji\u0161t\u011bn\u00ed \u00farazu p\u0159i ly\u017eov\u00e1n\u00ed: Na co si d\u00e1t pozor?\" \/>\n<meta property=\"og:description\" content=\"V\u00edte, jak na poji\u0161t\u011bn\u00ed \u00farazu, pokud pl\u00e1nujete ly\u017eov\u00e1n\u00ed v Alp\u00e1ch? Pod\u00edvejte se, na co p\u0159ed cestou nezapomenout, a\u0165 se v\u00e1m dovolen\u00e1 neprodra\u017e\u00ed.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/pojisteni-urazu-pri-lyzovani-na-co-si-dat-pozor\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog FinGO.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fingo.cz\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-26T13:24:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-26T14:17:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2025\/10\/pojisteni_lyzaru.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1344\" \/>\n\t<meta property=\"og:image:height\" content=\"896\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tom\u00e1\u0161 Kl\u00e1pa\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fingocz\" \/>\n<meta name=\"twitter:site\" content=\"@fingocz\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tom\u00e1\u0161 Kl\u00e1pa\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-urazu-pri-lyzovani-na-co-si-dat-pozor\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-urazu-pri-lyzovani-na-co-si-dat-pozor\\\/\"},\"author\":{\"name\":\"Tom\u00e1\u0161 Kl\u00e1pa\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/eb06fbf9d3413d881d63335935c50556\"},\"headline\":\"Poji\u0161t\u011bn\u00ed \u00farazu p\u0159i ly\u017eov\u00e1n\u00ed: Na co si d\u00e1t pozor?\",\"datePublished\":\"2026-01-26T13:24:37+00:00\",\"dateModified\":\"2026-01-26T14:17:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-urazu-pri-lyzovani-na-co-si-dat-pozor\\\/\"},\"wordCount\":1034,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-urazu-pri-lyzovani-na-co-si-dat-pozor\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/pojisteni_lyzaru.png\",\"keywords\":[\"ly\u017eov\u00e1n\u00ed\",\"poji\u0161t\u011bn\u00ed zimn\u00edch sport\u016f\",\"Tom\u00e1\u0161 Kl\u00e1pa\",\"\u00farazy na ly\u017e\u00edch\"],\"articleSection\":[\"Cestovn\u00ed poji\u0161t\u011bn\u00ed\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-urazu-pri-lyzovani-na-co-si-dat-pozor\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-urazu-pri-lyzovani-na-co-si-dat-pozor\\\/\",\"name\":\"Poji\u0161t\u011bn\u00ed \u00farazu p\u0159i ly\u017eov\u00e1n\u00ed: Na co si d\u00e1t pozor? - Blog FinGO.cz\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-urazu-pri-lyzovani-na-co-si-dat-pozor\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/pojisteni-urazu-pri-lyzovani-na-co-si-dat-pozor\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/pojisteni_lyzaru.png\",\"datePublished\":\"2026-01-26T13:24:37+00:00\",\"dateModified\":\"2026-01-26T14:17:51+00:00\",\"description\":\"V\u00edte, jak na poji\u0161t\u011bn\u00ed \u00farazu, pokud pl\u00e1nujete ly\u017eov\u00e1n\u00ed v Alp\u00e1ch? 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Specializuje se na ne\u017eivotn\u00ed poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed pro mal\u00e9 a st\u0159edn\u00ed podniky (SME). D\u00edky dlouholet\u00e9 praxi v Generali \u010cesk\u00e9 poji\u0161\u0165ovn\u011b a \u010cSOB skupin\u011b m\u00e1 bohat\u00e9 zku\u0161enosti s pojistn\u00fdmi produkty pro jednotlivce i firmy. Rozum\u00ed tomu, jak\u00e9 situace mohou v \u017eivot\u011b i podnik\u00e1n\u00ed nastat, a pom\u00e1h\u00e1 klient\u016fm i poradc\u016fm naj\u00edt \u0159e\u0161en\u00ed, kter\u00e9 je ochr\u00e1n\u00ed p\u0159ed ne\u010dekan\u00fdmi v\u00fddaji. 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