{"id":5919,"date":"2018-02-07T13:30:18","date_gmt":"2018-02-07T11:30:18","guid":{"rendered":"http:\/\/tripthis.eu\/?p=5919"},"modified":"2018-02-07T13:30:18","modified_gmt":"2018-02-07T11:30:18","slug":"10-frequently-asked-questions-about-building-construction","status":"publish","type":"post","link":"https:\/\/new.tripthis.eu\/en\/10-frequently-asked-questions-about-building-construction\/","title":{"rendered":"10 frequently asked questions about travel insurance"},"content":{"rendered":"

Raksts tapis sadarb\u012bb\u0101 ar apdro\u0161in\u0101\u0161anas sabiedr\u012bbu ‘Seesam’<\/em><\/p>\n

Dom\u0101ju, ka piekrit\u012bsiet, ka ce\u013co\u0161ana ir viena no dz\u012bves baud\u0101m, kuru reiz piedz\u012bvojot gribas baud\u012bt atkal un atkal. Tom\u0113r katram, kur\u0161 ce\u013co pirmo vai divdesmitpirmo reizi, gatavojoties ce\u013cojumam, rodas jaut\u0101jumi ne tikai par to, kuru galam\u0113r\u0137i, lidojumu vai viesn\u012bcu izv\u0113l\u0113ties, bet ar\u012b par ce\u013cojuma apdro\u0161in\u0101\u0161anu. T\u0101p\u0113c apdro\u0161in\u0101\u0161anas sabiedr\u012bbas \u201cSeesam\u201d eksperti ir sagatavoju\u0161i atbildes uz desmit bie\u017e\u0101k uzdotiem jaut\u0101jumiem, kuri rodas ce\u013cot\u0101jiem.<\/p>\n

K\u0101 izv\u0113l\u0113ties piem\u0113rot\u0101ko apdro\u0161in\u0101\u0161anas programmu?<\/b><\/p>\n

Dodaties sl\u0113pot uz Alpiem, brauksiet ar motorolleriem pa Maroku vai paredz\u0113ts darba komand\u0113jums uz \u017den\u0113vu \u2013 p\u0101rdom\u0101jiet ce\u013cojuma laik\u0101 pl\u0101not\u0101s aktivit\u0101tes, t\u0101 m\u0113r\u0137i un ilgumu, k\u0101du transportu paredz\u0113ts izmantot un, ieg\u0101d\u0101joties polisi, p\u0101rliecinieties, ka attiec\u012bgie riski un ce\u013cojuma laik\u0101 apmekl\u0113jam\u0101s valsts taj\u0101 ir iek\u013cautas. Ja nu tom\u0113r rodas neskaidr\u012bbas, \u0161is noteikti neb\u016bs \u012bstais br\u012bdis jaut\u0101t p\u0113c padoma draugiem, pazi\u0146\u0101m vai visu zino\u0161ai \u201cGoogle\u201d, bet lab\u0101k sazinieties ar savu apdro\u0161in\u0101t\u0101ju. Apdro\u0161in\u0101\u0161anas sabiedr\u012bba \u201cSeesam\u201d pied\u0101v\u0101 \u010detras ce\u013cojumu programmas \u2013 Pamata, Standarta, Zelta un Plat\u012bna, k\u0101 ar\u012b tr\u012bs \u012bpa\u0161as programmas ziemas sporta programm\u0101m. T\u0101pat \u201cSeesam\u201d pied\u0101v\u0101 atsevi\u0161\u0137as apdro\u0161in\u0101\u0161anas programmas ce\u013cojumiem uz Krieviju un Baltkrieviju.<\/p>\n

K\u0101du pal\u012bdz\u012bbu sniedz ce\u013cojuma apdro\u0161in\u0101\u0161ana lidojuma aizkav\u0113\u0161an\u0101s vai nokav\u0113\u0161anas gad\u012bjum\u0101?<\/b><\/p>\n

Lidojumu aizkav\u0113\u0161an\u0101s ir starp bie\u017e\u0101k izmaks\u0101taj\u0101m atl\u012bdz\u012bb\u0101m \u201cSeesam\u201d ce\u013cojumu apdro\u0161in\u0101\u0161anas<\/a> poli\u0161u \u012bpa\u0161niekiem. Atbilsto\u0161i ieg\u0101d\u0101tai programmai, apdro\u0161in\u0101t\u0101js kompens\u0113 neparedz\u0113tus papildu izdevumus, kas radu\u0161ies reisa aizkav\u0113\u0161an\u0101s vai atcel\u0161anas gad\u012bjum\u0101, ja tas kav\u0113jas ilg\u0101k par \u010detr\u0101m stund\u0101m sliktu laika apst\u0101k\u013cu vai tehnisku iemeslu d\u0113\u013c. Uzr\u0101dot apliecin\u0101jumu, tiek apmaks\u0101ti r\u0113\u0137ini par \u0113dienreiz\u0113m, viesn\u012bcu un ar\u012b transportu uz\/no viesn\u012bcas, ja to nenodro\u0161ina pati aviokomp\u0101nija. T\u0101pat \u0161\u0101dos gad\u012bjumos apdro\u0161in\u0101t\u0101js apmaks\u0101 50% v\u0113rt\u012bb\u0101 jauna lidojuma vai cita transporta veida bi\u013cetes ieg\u0101di, lai ce\u013cojums var\u0113tu turpin\u0101ties.<\/p>\n

Ja ce\u013cojuma laik\u0101 paredz\u0113ti vair\u0101ki savienojo\u0161ie reisi, bet pirmais lidojums ir aizkav\u0113jies vai atcelts un t\u0101 rezult\u0101t\u0101 nokav\u0113jat n\u0101kamo, tad apdro\u0161in\u0101t\u0101js apmaks\u0101 izdevumus par bi\u013cetes p\u0101rform\u0113\u0161anu vai jaunas ieg\u0101di ekonomiskaj\u0101 klas\u0113, viesn\u012bcu tranz\u012bta punkt\u0101, k\u0101 ar\u012b ce\u013cojuma galapunkt\u0101 rezerv\u0113to viesn\u012bcu par neizmantotaj\u0101m dien\u0101m. B\u016btiski piebilst, ka gan lidojuma atcel\u0161anas, gan kav\u0113\u0161an\u0101s, gan nokav\u0113ta tranz\u012bta gad\u012bjum\u0101 j\u0101pieprasa lidsabiedr\u012bbas izzi\u0146a ar nor\u0101d\u012btu aizkav\u0113\u0161an\u0101s vai atcel\u0161anas laiku un iemeslu, k\u0101 ar\u012b to, vai lidsabiedr\u012bba ir izmaks\u0101jusi kompens\u0101ciju un cik liel\u0101 apm\u0113r\u0101.<\/p>\n

K\u0101 var pal\u012bdz\u0113t ce\u013cojumu apdro\u0161in\u0101\u0161ana, ja nesa\u0146emu (nozaud\u0113ta, kav\u0113jas) bag\u0101\u017eu vai ar\u012b t\u0101 ir boj\u0101ta?<\/b><\/p>\n

Bag\u0101\u017eas aizkav\u0113\u0161an\u0101s var rad\u012bt daudz nepat\u012bkami br\u012b\u017eu. Svar\u012bgi \u0161\u0101dos br\u012b\u017eos saglab\u0101t v\u0113su pr\u0101tu un, ja bag\u0101\u017ea aizkav\u0113jas ilg\u0101k par 4 stund\u0101m, piepras\u012bt aviosabiedr\u012bbas izzi\u0146u. Apdro\u0161in\u0101t\u0101js segs \u010dekus par ieg\u0101d\u0101taj\u0101m pirm\u0101s nepiecie\u0161am\u012bbas prec\u0113m, lai aizst\u0101tu aizkav\u0113taj\u0101 bag\u0101\u017e\u0101 paliku\u0161u person\u012bgo ap\u0123\u0113rbu un higi\u0113nas preces. Bet, ja bag\u0101\u017ea ir pazudusi vai boj\u0101ta, apdro\u0161in\u0101t\u0101js izmaks\u0101s atl\u012bdz\u012bbu par nozaud\u0113to bag\u0101\u017eu, apmaks\u0101s saboj\u0101tas somas vai \u010demod\u0101na remontu vai apmaks\u0101s jaunas l\u012bdzv\u0113rt\u012bgas somas vai \u010demod\u0101na ieg\u0101di.<\/p>\n

K\u0101 darbojas ce\u013cojuma anul\u0113\u0161anas un p\u0101rtrauk\u0161anas risks un ko tas sedz?<\/b><\/p>\n

Lidojumam bi\u013cetes jau ieg\u0101d\u0101tas un jau esat izpl\u0101noju\u0161i ce\u013cojumu, kad p\u0113k\u0161\u0146i n\u0101kas to atcelt. \u201cSeesam\u201d eksperti nor\u0101da, ka ar\u012b \u0161\u0101dos gad\u012bjumos apdro\u0161in\u0101\u0161ana n\u0101k talk\u0101 un, ja ce\u013cojums tiek atcelts, neuzs\u0101kot to, tad tiek da\u013c\u0113ji apmaks\u0101ta aviobi\u013ce\u0161u, sabiedrisk\u0101 transporta un rezerv\u0113t\u0101s naktsm\u012btnes izdevumi \u0101rvalst\u012bs. Anul\u0113\u0161anas iemesls var b\u016bt pirm\u0101s pak\u0101pes radinieka vai vien\u012bg\u0101 ce\u013cabiedra p\u0113k\u0161\u0146a saslim\u0161ana, trauma vai n\u0101ves gad\u012bjums, \u012bpa\u0161uma zaud\u0113jums vai boj\u0101jums vai jebkur\u0161 cits personisks iemesls.\u00a0<\/span>Par ce\u013cojuma anul\u0113\u0161anu apdro\u0161in\u0101t\u0101js j\u0101inform\u0113 tikl\u012bdz tas ir iesp\u0113jams, bet ne v\u0113l\u0101k k\u0101 l\u012bdz paredz\u0113t\u0101 ce\u013cojuma perioda s\u0101kuma datumam, neuzs\u0101kot ce\u013cojumu.<\/span><\/p>\n

\u00a0<\/span>K\u0101 r\u012bkoties, ja ir vajadz\u012bga medic\u012bnisk\u0101 pal\u012bdz\u012bba \u0101rzem\u0113s? <\/b><\/p>\n

Nelaime nen\u0101k br\u0113kdama. Ar\u012b vesel\u012bbas probl\u0113mas ne vienm\u0113r varam paredz\u0113t. \u201cSeesam\u201d atg\u0101dina, ja ce\u013cojuma laik\u0101 nepiecie\u0161ama medic\u012bniska pal\u012bdz\u012bba, nekav\u0113joties j\u0101sazin\u0101s ar apdro\u0161in\u0101t\u0101ju. \u0160\u0101dos gad\u012bjumos \u201cSeesam\u201d Pal\u012bdz\u012bbas dienests \u00a0(67061000), noorganiz\u0113 pal\u012bdz\u012bbu un sniedz inform\u0101ciju, k\u0101 r\u012bkoties konkr\u0113taj\u0101 situ\u0101cij\u0101. \u0100rst\u0113joties Eiropas Savien\u012bbas, Eiropas Ekonomikas zonas vai \u0160veices Konfeder\u0101cijas valstu medic\u012bnas iest\u0101d\u0113s, \u201cSeesam\u201d eksperti iesaki uzr\u0101d\u012bt ar\u012b EVAK karti, ko bez maksas izsniedz Latvijas Republikas Nacion\u0101lais vesel\u012bbas dienests.<\/span><\/p>\n

Vai b\u016bs sp\u0113k\u0101 ce\u013cojumu apdro\u0161in\u0101\u0161anas polise, ja brauciena laik\u0101 nodarbo\u0161os ar k\u0101du sporta veidu, vai ar\u012b do\u0161os izbraucienos ar motorolleriem, daivingot utt.?<\/b><\/p>\n

Esat nol\u0113mu\u0161i \u0112giptes ce\u013cojuma laik\u0101 izmantot iesp\u0113ju izbaud\u012bt skaisto Sarkan\u0101s j\u016bras zem\u016bdens pasauli un doties nirt. K\u0101 skaidro \u201cSeesam\u201d p\u0101rst\u0101vji, \u0161\u0101di riski ce\u013cojumu apdro\u0161in\u0101\u0161anas<\/a> polis\u0113s, kas paredz\u0113tas atp\u016btas\/komand\u0113jumu braucieniem, ir iek\u013cauti. Tie paredz \u012bslaic\u012bgas vienas l\u012bdz divu dienu paaugstin\u0101ta riska aktivit\u0101tes, kuras organiz\u0113 attiec\u012bg\u0101s valsts viet\u0113j\u0101s t\u016brisma firmas valst\u012b iebrauku\u0161ajiem t\u016bristiem k\u0101 papildu izklaides pas\u0101kumus. Bet, ja persona dodas ce\u013cojum\u0101 ar nol\u016bku nodarboties ar paaugstin\u0101ta riska hobijiem, sportu un\/vai sporta aktivit\u0101t\u0113m, piem\u0113ram, sl\u0113pot uz It\u0101liju, ir j\u0101ieg\u0101d\u0101jas atbilsto\u0161a speci\u0101l\u0101 programma. <\/span><\/p>\n

Vai Civiltiesisk\u0101s apdro\u0161in\u0101\u0161anas polises segums darbojas ar\u012b uz ce\u013cojuma laik\u0101 iznom\u0101ta auto, ja es nodaru zaud\u0113jumus tam? <\/b><\/p>\n

Dz\u012bv\u0113 m\u0113dz b\u016bt p\u0101rsteigumu pilna un pat ja m\u0113s zin\u0101tu, kas m\u016bs sagaida aiz n\u0101kam\u0101 krustojuma, da\u013ca no mums tom\u0113r zi\u0146k\u0101r\u012bbas dz\u012bti dotos to p\u0101rbaud\u012bt. Un kad tad apmierin\u0101t savu zi\u0146k\u0101r\u012bbu un piedz\u012bvojumu k\u0101ri, ja ne ce\u013cojuma laik\u0101, kad iznom\u0101jot auto varam non\u0101kt daudz\u0101s t\u016bristu pl\u016bsmas neskart\u0101s viet\u0101s. Tom\u0113r, k\u0101 nor\u0101da \u201cSeesam\u201d eksperti, j\u0101atceras, ka civiltiesisk\u0101 apdro\u0161in\u0101\u0161ana neattiecas uz nomas auto, l\u012bdz ar to, dodoties ce\u013cojuma laik\u0101 piedz\u012bvojumu mekl\u0113jumos ar iz\u012br\u0113tu auto, j\u0101b\u016bt \u013coti modriem un uzman\u012bgiem. <\/span><\/p>\n

Ja man ir nelaimes gad\u012bjumu apdro\u0161in\u0101\u0161anas polise vai nepiecie\u0161ams ieg\u0101d\u0101ties ar\u012b ce\u013cojumu apdro\u0161in\u0101\u0161anu, ar ko t\u0101s at\u0161\u0137iras?<\/b><\/p>\n

Ce\u013cojumu apdro\u0161in\u0101\u0161ana traumas gad\u012bjum\u0101 sedz pirm\u0101s pal\u012bdz\u012bbas izdevumus, atl\u012bdzinot radu\u0161\u0101s papildu izmaksas \u0101rst\u0113\u0161an\u0101s vai, piem\u0113ram, transport\u0113\u0161anas d\u0113\u013c. Savuk\u0101rt, nelaimes gad\u012bjumu apdro\u0161in\u0101\u0161an\u0101 izmaks\u0101 kompens\u0101ciju atbilsto\u0161i polis\u0113 atrun\u0101tajai summai. Tas noz\u012bm\u0113, ja pa\u013caujaties uz \u00a0savu nelaimes gad\u012bjumu polisi ce\u013cojum\u0101, traumas gad\u012bjum\u0101 J\u016bs sa\u0146emsiet tikai kompens\u0101ciju, savuk\u0101rt, par pirm\u0101s pal\u012bdz\u012bbas snieg\u0161anu vai medic\u012bnas transporta izdevumus n\u0101ksies segt pa\u0161am. <\/span><\/p>\n

Esmu dzird\u0113jusi, ka ja ir EVAK (Eiropas Vesel\u012bbas apdro\u0161in\u0101\u0161anas karte), tad ce\u013cojumu apdro\u0161in\u0101\u0161anas polise nav nepiecie\u0161ama. Vai t\u0101 ir?<\/b><\/p>\n

\u201cSeesam\u201d p\u0101rst\u0101vji atg\u0101dina, ka EVAK un ce\u013cojumu apdro\u0161in\u0101\u0161anas polise viena otru papildina. EVAK karte nodro\u0161ina neatliekam\u0101s vai nepiecie\u0161am\u0101s medic\u012bnisk\u0101s pal\u012bdz\u012bbas sa\u0146em\u0161anu katr\u0101 valst\u012b noteiktaj\u0101 apjom\u0101 taj\u0101s \u0101rstniec\u012bbas iest\u0101d\u0113s, kuras sniedz valsts garant\u0113to vesel\u012bbas apr\u016bpi. EVAK nesedz pacienta iemaksas, ja t\u0101das attiec\u012bgaj\u0101 valst\u012b ir noteiktas un nesedz transport\u0113\u0161anas izdevumu apmaksu pacienta smagas saslim\u0161anas vai n\u0101ves gad\u012bjum\u0101. Savuk\u0101rt, ce\u013cojumu apdro\u0161in\u0101\u0161ana, ja ir noticis nelaimes gad\u012bjums vai p\u0113k\u0161\u0146a saslim\u0161ana, sedz \u00a0transport\u0113\u0161anas un medic\u012bnisk\u0101 transporta izmaksas, k\u0101 ar\u012b sedz medic\u012bnas izdevumus praktiski jebkur\u0101 \u0101rstniec\u012bbas iest\u0101d\u0113.<\/p>\n

Cik ilg\u0101 laik\u0101 j\u0101iesniedz pieteikums par izdevumu ra\u0161anos ce\u013cojuma laik\u0101?<\/b><\/p>\n

Pieteikums ir j\u0101iesniedz 30 dienu laik\u0101 no notikuma br\u012b\u017ea (iz\u0146emot ce\u013cojuma anul\u0113\u0161anas risku, kas j\u0101iesniedz l\u012bdz pl\u0101not\u0101 ce\u013cojuma uzs\u0101k\u0161anai). <\/span>Bet \u201cSeesam\u201d p\u0101rst\u0101vji nor\u0101da, ka cilv\u0113ciskais faktors vienm\u0113r tiek \u0146emts v\u0113r\u0101 un ja nav iesp\u0113jams iek\u013cauties dotaj\u0101 termi\u0146\u0101 objekt\u012bvu iemeslu d\u0113\u013c, tad pieteikumam ir j\u0101pievieno paskaidrojums par aizkav\u0113\u0161an\u0101s iemeslu un tas tiks noteikti izskat\u012bts.<\/span><\/p>\n

[button url=https:\/\/www.seesam.lv\/polise\/#\/intermediary?type=TRAVEL&intermediaryId=tripthis&iframeEnabled=true size=20]Ieg\u0101d\u0101ties ce\u013cojuma apdro\u0161in\u0101\u0161anu[\/button]<\/p>\n","protected":false},"excerpt":{"rendered":"

I think you will agree that travelling is one of life's pleasures that, once experienced, you want to enjoy again and again. However, for anyone travelling for the first or twenty-first time, questions arise not only about which destination, flight or hotel to choose, but also about travel insurance.<\/p>","protected":false},"author":20,"featured_media":5920,"comment_status":"open","ping_status":"open","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":[382],"tags":[],"country":[],"class_list":["post-5919","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogs"],"_links":{"self":[{"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/posts\/5919","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=5919"}],"version-history":[{"count":0,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/posts\/5919\/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=5919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/categories?post=5919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/tags?post=5919"},{"taxonomy":"country","embeddable":true,"href":"https:\/\/new.tripthis.eu\/en\/wp-json\/wp\/v2\/country?post=5919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}