Source.<\/p>\n
Inform\u0101ciju sagatavoja Latvijas Apdro\u0161in\u0101t\u0101ju asoci\u0101cija.<\/p>\n
Iedz\u012bvot\u0101ji arvien bie\u017e\u0101k ce\u013co un, lai izvair\u012btos no neparedz\u0113tiem izdevumiem, ieg\u0101d\u0101jas ce\u013cojuma apdro\u0161in\u0101\u0161anu. Tom\u0113r ir reizes, kad apdro\u0161in\u0101t\u0101js atsaka atl\u012bdz\u012bbas izmaksu. Latvijas Apdro\u0161in\u0101t\u0101ju asoci\u0101cijas (LAA) prezidents J\u0101nis Ab\u0101\u0161ins skaidro, k\u0101di ir galvenie atteikuma iemesli.<\/p>\n
“Ce\u013cojumu apdro\u0161in\u0101\u0161ana ir liels atbalsts un miera avots dodoties priv\u0101t\u0101 vai darba braucien\u0101 \u0101rpus Latvijas. T\u0101 sedz neparedz\u0113tus izdevumus ce\u013cojuma laik\u0101, piem\u0113ram, saslim\u0161anu vai nelaimes gad\u012bjumu, bag\u0101\u017eas nozaud\u0113\u0161anu vai ce\u013cojuma pl\u0101nu mai\u0146u. Tom\u0113r ir gad\u012bjumi, kad iedz\u012bvot\u0101ji nav pietiekami r\u016bp\u012bgi iepazinu\u0161ies ar noteikumiem un atl\u012bdz\u012bba netiek izmaks\u0101ta, t\u0101p\u0113c pirms t\u0101s ieg\u0101des ir svar\u012bgi izlas\u012bt visus nosac\u012bjumus, lai neb\u016btu j\u0101piedz\u012bvo vil\u0161an\u0101s,” st\u0101sta J. Ab\u0101\u0161ins.<\/p>\n
1. Iepriek\u0161 pl\u0101notas vai atliekamas medic\u012bnisk\u0101s proced\u016bras<\/p>\n
Lai gan ce\u013cojumu apdro\u0161in\u0101\u0161an\u0101 parasti ir iek\u013cauti medic\u012bniskie pakalpojumi, tom\u0113r tas attiecas tikai uz ak\u016bt\u0101m saslim\u0161an\u0101m vai hronisk\u0101m kait\u0113m, kas ce\u013cojuma laik\u0101 ir p\u0113k\u0161\u0146i saasin\u0101ju\u0161as. Medic\u012bniskas proced\u016bras, kas nav neatliekamas, netiek segtas.<\/p>\n
“T\u0101pat apdro\u0161in\u0101t\u0101ji nesegs izdevumus, ja tiks konstat\u0113ts, ka ce\u013cojums jau s\u0101kotn\u0113ji ir pl\u0101nots, lai sa\u0146emtu medic\u012bniskus pakalpojumus,” saka LAA prezidents.<\/p>\n
2. Ekstr\u0113ms sports<\/p>\n
Atl\u012bdz\u012bbu neizmaks\u0101s ar\u012b tad, ja klients b\u016bs iesaist\u012bjies paaugstin\u0101ta riska aktivit\u0101t\u0113s vai nodarbojies ar ekstr\u0113mu sportu, ja \u0161is segums k\u0101 papildu pakalpojums neb\u016bs iek\u013cauts polis\u0113. Piem\u0113ram, ja pl\u0101nota p\u0101rvieto\u0161an\u0101s ar kvadracikliem, nir\u0161ana, klin\u0161u k\u0101p\u0161ana, veikbords, \u016bdenssl\u0113po\u0161ana, s\u0113rfo\u0161ana, lido\u0161ana ar parapl\u0101nu vai citas paaugstin\u0101tas b\u012bstam\u012bbas aktivit\u0101tes uz zemes, \u016bdens vai gais\u0101, tad pirms tam ir j\u0101p\u0101rliecin\u0101s, vai nodarbo\u0161an\u0101s ar \u0161\u0101d\u0101m aktivit\u0101t\u0113m ir iek\u013cauta apdro\u0161in\u0101\u0161an\u0101.<\/p>\n
3. Zaud\u0113jumi da\u017e\u0101du vielu ietekm\u0113<\/p>\n
Ja vesel\u012bbas probl\u0113mas vai traumas radu\u0161\u0101s alkohola, psihotropo vai narkotisko vielu ietekm\u0113, ar\u012b tad atl\u012bdz\u012bbas sa\u0146em\u0161ana tiks atteikta. Da\u017ei apdro\u0161in\u0101t\u0101ji vesel\u012bbas polis\u0113 nor\u0101da maksim\u0101lo pie\u013caujamo alkohola koncentr\u0101cijas normu, kas nedr\u012bkst tikt p\u0101rsniegta. T\u0101pat netiks atl\u012bdzin\u0101ti citi zaud\u0113jumi, kas radu\u0161ies, ja klients bijis k\u0101du vielu ietekm\u0113, piem\u0113ram, pazaud\u0113jis personisk\u0101s mantas, nokav\u0113jis lidojumu u.tml.<\/p>\n
4. Risks iest\u0101jies pirms polises ieg\u0101des<\/p>\n
Nereti iedz\u012bvot\u0101ji ieg\u0101d\u0101jas ce\u013cojuma apdro\u0161in\u0101\u0161anas polisi tikai tad, kad apdro\u0161in\u0101\u0161anas risks jau ir iest\u0101jies, lai kompens\u0113tu jau iepriek\u0161 zin\u0101mus zaud\u0113jumus. Piem\u0113ram, ieg\u0101d\u0101jas ce\u013cojuma apdro\u0161in\u0101\u0161anu tad, kad lidojums vai viesn\u012bcas rezerv\u0101cija jau ir atcelta. Ar\u012b \u0161\u0101d\u0101 gad\u012bjum\u0101 atl\u012bdz\u012bbu nevar\u0113s sa\u0146emt.<\/p>\n
“Apdro\u0161in\u0101t\u0101js pat var noteikt minim\u0101lo polises ieg\u0101des termi\u0146u pirms ce\u013cojuma, kas j\u0101iev\u0113ro, lai sa\u0146emtu atl\u012bdz\u012bbu, t\u0101p\u0113c ce\u013cojumu apdro\u0161in\u0101\u0161anas polises ieg\u0101di nevajadz\u0113tu atlikt uz p\u0113d\u0113jo br\u012bdi, bet ieg\u0101d\u0101ties jau tad, kad tiek veikta aviobi\u013ce\u0161u ieg\u0101de vai viesn\u012bcu rezerv\u0101cija,” rekomend\u0113 J. Ab\u0101\u0161ins.<\/p>\n
5. Polise nav ieg\u0101d\u0101ta uz visu ce\u013cojuma laiku vai \u0101rst\u0113\u0161ana turpin\u0101s p\u0113c atgrie\u0161an\u0101s<\/p>\n
Sare\u017e\u0123\u012bjumi ar atl\u012bdz\u012bbas sa\u0146em\u0161anu var rasties, ja apdro\u0161in\u0101\u0161anas polise nav ieg\u0101d\u0101ta uz visu ce\u013cojuma laiku, s\u0101kot ar izbrauk\u0161anu no Latvijas un beidzot ar atgrie\u0161anos. Apdro\u0161in\u0101\u0161ana sedz tikai t\u0101s dienas, kur\u0101s polise ir sp\u0113k\u0101. Ja negad\u012bjums, piem\u0113ram, trauma, z\u0101dz\u012bba, lidojuma aizkav\u0113\u0161an\u0101s u. c. notiek dien\u0101, kas nav iek\u013cauta polis\u0113, apdro\u0161in\u0101t\u0101js pamatoti var atteikt atl\u012bdz\u012bbas izmaksu.<\/p>\n
“Da\u017ei apdro\u0161in\u0101t\u0101ji var atteikt izmaksu pat tad, ja negad\u012bjums noticis dien\u0101, kas ir iek\u013cauta polis\u0113, bet, piem\u0113ram, \u0101rst\u0113\u0161an\u0101s vai citi izdevumi turpin\u0101s p\u0113c apdro\u0161in\u0101\u0161anas beigu datuma. \u0160\u0101d\u0101 gad\u012bjum\u0101 tiek segti tikai izdevumi l\u012bdz polises termi\u0146a beig\u0101m. T\u0101p\u0113c polisi vajadz\u0113tu ieg\u0101d\u0101ties vismaz no dienas, kad izbraucat no valsts, l\u012bdz tai dienai, kad atgrie\u017eaties, ieskaitot ar\u012b lidojuma dienas. V\u0113l lab\u0101k – pievienot vienu “dro\u0161\u012bbas rezerves” dienu pirms un p\u0113c ce\u013cojuma. Ja v\u0113laties, lai ce\u013cojumu apdro\u0161in\u0101\u0161ana sedz \u0101rst\u0113\u0161an\u0101s izdevumus traumai, kas g\u016bta \u0101rvalst\u012bs, ar\u012b p\u0113c atgrie\u0161an\u0101s Latvij\u0101, j\u0101ieg\u0101d\u0101jas attiec\u012bgs papla\u0161in\u0101jums apdro\u0161in\u0101\u0161anas segumam,” saka apdro\u0161in\u0101\u0161anas eksperts.<\/p>\n
6. Ce\u013cojuma pl\u0101nu mai\u0146a<\/p>\n
Dodoties ce\u013cojum\u0101 vai biznesa braucien\u0101, pl\u0101ni nereti main\u0101s – p\u0113k\u0161\u0146i rodas iesp\u0113ja, piem\u0113ram, vienu dienu doties sl\u0113pot kalnos vai nirt j\u016br\u0101, kas s\u0101kotn\u0113ji nebija iepl\u0101nots. \u0160\u0101dos gad\u012bjumos ir svar\u012bgi laikus papildin\u0101t ce\u013cojumu apdro\u0161in\u0101\u0161anu ar attiec\u012bgiem riskiem. Pret\u0113j\u0101 gad\u012bjum\u0101, ja g\u016bta trauma, apdro\u0161in\u0101\u0161anas atl\u012bdz\u012bba var netikt izmaks\u0101ta, jo konkr\u0113tais risks nav bijis iek\u013cauts polis\u0113.<\/p>\n
7. Dabas katastrofas, karadarb\u012bba<\/p>\n
Atl\u012bdz\u012bba, visticam\u0101k, netiks izmaks\u0101ta, ja ce\u013cojums tiek atcelts vai p\u0101rtraukts dabas katastrofas, terorisma, karadarb\u012bbas un cits politisku vai soci\u0101ls risku d\u0113\u013c, ja tie nav iek\u013cauti papildu segum\u0101. Piem\u0113ram, galam\u0113r\u0137\u012b plos\u0101s sp\u0113c\u012bga viesu\u013cv\u0113tra, notiek zemestr\u012bce, nemieri vai terorakts. Ar\u012b tad, ja ce\u013cojuma laik\u0101 rodas trauma vai zaud\u0113jumi, kas tie\u0161i saist\u012bti ar \u0161iem notikumiem, atl\u012bdz\u012bbas atmaksu var atteikt.<\/p>\n
“Liel\u0101k\u0101 da\u013ca pamata ce\u013cojumu apdro\u0161in\u0101\u0161anas poli\u0161u \u0161\u0101dus riskus neiek\u013cauj p\u0113c noklus\u0113juma, jo tie ir uzskat\u0101mi par iz\u0146\u0113muma gad\u012bjumiem (force majeure). Tie tiek iek\u013cauti tikai tad, ja tos speci\u0101li pieprasa un apdro\u0161in\u0101\u0161anu atbilsto\u0161i papla\u0161ina. Apdro\u0161in\u0101t\u0101js to var pied\u0101v\u0101t k\u0101 da\u013cu no premium klases paketes,” saka J. Ab\u0101\u0161ins.<\/p>\n
Ce\u013ca karte iedz\u012bvot\u0101ju izgl\u012bto\u0161anai<\/p>\n
Turpinot izgl\u012btojo\u0161o kampa\u0146u par da\u017e\u0101diem apdro\u0161in\u0101\u0161anas veidiem, LAA kop\u0101 ar sadarb\u012bbas partneriem ir sagatavojusi ce\u013cojumu apdro\u0161in\u0101\u0161anas ce\u013ca karti. Taj\u0101 vienk\u0101r\u0161\u0101 valod\u0101 skaidrota ce\u013cojumu apdro\u0161in\u0101\u0161anas darb\u012bba, izmantojot ce\u013ca kartes principu, t. sk. ko apdro\u0161in\u0101\u0161ana parasti sedz, k\u0101di riski var tikt papildus ietverti, ko apdro\u0161in\u0101\u0161ana nesedz.<\/p>\n
“Gad\u012bjumos, kad ce\u013cojuma apdro\u0161in\u0101\u0161ana ir papildpakalpojums kred\u012btiest\u0101d\u0113 sa\u0146emtai nor\u0113\u0137inu kartei, j\u0101p\u0101rliecin\u0101s, vai polise sedz visus nepiecie\u0161amos riskus un nav nepiecie\u0161ama papildu apdro\u0161in\u0101\u0161ana. Atsevi\u0161\u0137\u0101m bankas kart\u0113m apdro\u0161in\u0101\u0161ana darbojas tikai tad, ja ce\u013cojums ir apmaks\u0101ts ar attiec\u012bgo karti, t\u0101p\u0113c r\u016bp\u012bgi j\u0101iepaz\u012bstas ar noteikumiem. Ar\u012b tad, ja apdro\u0161in\u0101\u0161anas polisi nodro\u0161ina kompleks\u0101 t\u016brisma pakalpojuma sniedz\u0113js, j\u0101p\u0101rbauda vai taj\u0101 ir iek\u013cauta apdro\u0161in\u0101\u0161anas polise un k\u0101ds ir t\u0101s segums,” skaidro J. Ab\u0101\u0161ins.<\/p>\n
Ce\u013ca karte elektronisk\u0101 veid\u0101 ir br\u012bvi pieejama LAA m\u0101jaslap\u0101 www.laa.lv sada\u013c\u0101 “Ce\u013cve\u017ei”, k\u0101 ar\u012b pie LAA sadarb\u012bbas partneriem, tostarp pie Latvijas Bankas un Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra.<\/p>\n
L\u012bdz \u0161im LAA ir publiskojusi ce\u013ca kartes \u012bpa\u0161uma apdro\u0161in\u0101\u0161an\u0101, dz\u012bv\u012bbas apdro\u0161in\u0101\u0161an\u0101 ar uzkr\u0101juma veido\u0161anu, vesel\u012bbas apdro\u0161in\u0101\u0161an\u0101, nelaimes gad\u012bjumu apdro\u0161in\u0101\u0161an\u0101, m\u016b\u017ea pensijas apdro\u0161in\u0101\u0161an\u0101, KASKO apdro\u0161in\u0101\u0161an\u0101 un dz\u012bv\u012bbas apdro\u0161in\u0101\u0161an\u0101 bez uzkr\u0101juma veido\u0161anas. V\u0113l kampa\u0146as laik\u0101 pl\u0101nots izplat\u012bt ce\u013ca kartes par OCTA ce\u013cojumu apdro\u0161in\u0101\u0161anu.<\/p>","protected":false},"excerpt":{"rendered":"
Avots: Leta Inform\u0101ciju sagatavoja Latvijas Apdro\u0161in\u0101t\u0101ju asoci\u0101cija. Iedz\u012bvot\u0101ji arvien bie\u017e\u0101k ce\u013co un, lai izvair\u012btos no neparedz\u0113tiem izdevumiem, ieg\u0101d\u0101jas ce\u013cojuma apdro\u0161in\u0101\u0161anu. Tom\u0113r ir reizes, kad apdro\u0161in\u0101t\u0101js atsaka atl\u012bdz\u012bbas izmaksu. Latvijas Apdro\u0161in\u0101t\u0101ju asoci\u0101cijas (LAA) prezidents J\u0101nis Ab\u0101\u0161ins skaidro, k\u0101di ir galvenie atteikuma iemesli. “Ce\u013cojumu apdro\u0161in\u0101\u0161ana ir liels atbalsts un miera avots dodoties priv\u0101t\u0101 vai darba braucien\u0101 \u0101rpus […]<\/p>\n","protected":false},"author":20,"featured_media":286560,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"post_subheading":"","post_intro_title":"","post_intro_text":"","post_1_gallery":[],"post_main_content":"","post_banner_title":"","post_banner_text":"","post_source":"","post_faq":[],"post_toc":[],"post_conversion_block":"","post_ai_summary":"","footnotes":""},"categories":[398],"tags":[895,889,694],"country":[],"class_list":["post-286559","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jaunumi","tag-jaunumi","tag-leta","tag-turisms"],"_links":{"self":[{"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/posts\/286559","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/comments?post=286559"}],"version-history":[{"count":0,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/posts\/286559\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/media?parent=286559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/categories?post=286559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/tags?post=286559"},{"taxonomy":"country","embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/country?post=286559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}