{"id":9966,"date":"2026-10-19T08:08:27","date_gmt":"2026-10-19T06:08:27","guid":{"rendered":"https:\/\/www.tui.cz\/blog\/?p=9966"},"modified":"2026-10-20T09:43:28","modified_gmt":"2026-10-20T07:43:28","slug":"pruvodce-pojisteni-storna-zajezdu","status":"publish","type":"post","link":"https:\/\/www.tui.cz\/blog\/pruvodce-pojisteni-storna-zajezdu\/","title":{"rendered":"Nemoc, pr\u00e1ce, nal\u00e9hav\u00e9 situace \u2013 kdy budete pot\u0159ebovat poji\u0161t\u011bn\u00ed storna z\u00e1jezdu?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pl\u00e1nov\u00e1n\u00ed dovolen\u00e9 p\u0159in\u00e1\u0161\u00ed radost a o\u010dek\u00e1v\u00e1n\u00ed, jen\u017ee \u017eivot je nep\u0159edv\u00eddateln\u00fd a n\u011bkdy n\u00e1m do na\u0161ich pl\u00e1n\u016f ne\u010dekan\u011b zas\u00e1hne. N\u00e1sleduj\u00edc\u00ed text podrobn\u011b vysv\u011btluje, v jak\u00fdch situac\u00edch se uplat\u0148uje poji\u0161t\u011bn\u00ed storna z\u00e1jezdu. Tato speci\u00e1ln\u00ed pojistn\u00e1 ochrana v\u00e1s finan\u010dn\u011b kryje v p\u0159\u00edpad\u011b, \u017ee mus\u00edte zru\u0161it ji\u017e zaplacen\u00fd z\u00e1jezd je\u0161t\u011b p\u0159ed samotn\u00fdm odletem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pochopen\u00ed toho, jak tento produkt funguje, v\u00e1m pom\u016f\u017ee porozum\u011bt tomu, pro\u010d se vyplat\u00ed jej m\u00edt sjednan\u00fd, zejm\u00e9na pokud si svou dovolenou rezervujete s velk\u00fdm \u010dasov\u00fdm p\u0159edstihem. A\u0165 u\u017e jde o n\u00e1hl\u00e9 onemocn\u011bn\u00ed, pracovn\u00ed povinnosti nebo nal\u00e9hav\u00e9 rodinn\u00e9 z\u00e1le\u017eitosti, poji\u0161t\u011bn\u00ed storna chr\u00e1n\u00ed va\u0161e investice do vysn\u011bn\u00e9ho odpo\u010dinku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co je poji\u0161t\u011bn\u00ed storna z\u00e1jezdu a jak funguje?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161t\u011bn\u00ed storna z\u00e1jezdu p\u0159edstavuje kl\u00ed\u010dov\u00fd n\u00e1stroj, kter\u00fd <strong>chr\u00e1n\u00ed va\u0161e vynalo\u017een\u00e9 v\u00fddaje v p\u0159\u00edpad\u011b, \u017ee mus\u00edte zarezervovanou dovolenou p\u0159ed odjezdem zru\u0161it z d\u016fvodu nep\u0159edv\u00eddan\u00fdch okolnost\u00ed. <\/strong>Pokud nastane pojistn\u00e1 ud\u00e1lost definovan\u00e1 ve smlouv\u011b, <strong>poji\u0161\u0165ovna v\u00e1m proplat\u00ed nevratn\u00e9 n\u00e1klady<\/strong>, kter\u00e9 byste jinak museli uhradit z vlastn\u00ed kapsy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Funguje to jako efektivn\u00ed z\u00e1chrann\u00e1 s\u00ed\u0165. V moment\u011b, kdy je zru\u0161en\u00ed cesty nevyhnuteln\u00e9, v\u00e1m poji\u0161\u0165ovna proplat\u00ed ne\u010derpan\u00e9 slu\u017eby, \u010d\u00edm\u017e <strong>minimalizuje va\u0161i finan\u010dn\u00ed ztr\u00e1tu<\/strong>. Je v\u0161ak d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee se <strong>toto poji\u0161t\u011bn\u00ed plat\u00ed v\u00fdhradn\u011b p\u0159ed odletem<\/strong>. Pokud byste museli dovolenou p\u0159eru\u0161it a\u017e v jej\u00edm pr\u016fb\u011bhu, jedn\u00e1 se o jin\u00fd typ pojistn\u00e9ho kryt\u00ed (nap\u0159. p\u0159eru\u0161en\u00ed cesty). Uzav\u0159en\u00edm poji\u0161t\u011bn\u00ed storna z\u00e1jezdu eliminujete riziko, \u017ee v p\u0159\u00edpad\u011b ne\u010dekan\u00e9 ud\u00e1losti p\u0159ijdete o des\u00edtky tis\u00edc korun za z\u00e1jezd, na kter\u00fd nakonec nem\u016f\u017eete odcestovat. <strong>\u010casto je sou\u010d\u00e1st\u00ed <\/strong><a href=\"https:\/\/www.tui.cz\/cestovni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>cestovn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/a>, ale d\u00e1 se po\u0159\u00eddit i zvl\u00e1\u0161\u0165.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Stru\u010dn\u00fd p\u0159ehled: Co (ne)kryje poji\u0161t\u011bn\u00ed storna z\u00e1jezdu?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Srovn\u00e1vac\u00ed tabulka ukazuje <strong>nej\u010dast\u011bj\u0161\u00ed situace, kdy klienti cht\u011bj\u00ed uplatnit poji\u0161t\u011bn\u00ed storna sv\u00e9ho z\u00e1jezdu<\/strong>. Na jedn\u00e9 stran\u011b vid\u00edte, kter\u00fdm \u017e\u00e1dostem je obvykle vyhov\u011bno, vedle nich jsou podobn\u00e9 p\u0159\u00edpady, kter\u00e9 do pojistky \u010dasto nespadaj\u00ed. Je v\u0161ak d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee konkr\u00e9tn\u00ed podm\u00ednky najdete v dokumentaci ka\u017ed\u00e9ho pojistn\u00e9ho produktu a mohou se od sebe li\u0161it.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Druh probl\u00e9mu<\/strong><\/td><td><strong>Co poji\u0161t\u011bn\u00ed storna \u010dasto kryje<\/strong><\/td><td><strong>Co obvykle nekryje<\/strong><\/td><\/tr><tr><td><strong>Zdravotn\u00ed komplikace<\/strong><\/td><td>Akutn\u00ed zhor\u0161en\u00ed zdravotn\u00edho stavu poji\u0161t\u011bnce: \u00faraz, n\u00e1hl\u00e1 nemoc, smrt, hospitalizace, karant\u00e9na<\/td><td>Ji\u017e existuj\u00edc\u00ed \u0161patn\u00fd zdravotn\u00ed stav: chronick\u00e9 pot\u00ed\u017ee zn\u00e1m\u00e9 ji\u017e p\u0159i sjedn\u00e1n\u00ed pojistky, komplikace v t\u011bhotenstv\u00ed od 32. t\u00fddne, pl\u00e1novan\u00e9 plastick\u00e9 operace a komplikace jimi zp\u016fsoben\u00e9<\/td><\/tr><tr><td><strong>Pracovn\u00ed komplikace<\/strong><\/td><td>Nezavin\u011bn\u00e1 a ne\u010dekan\u00e1 ztr\u00e1ta zam\u011bstn\u00e1n\u00ed<\/td><td>Nemo\u017enost \u010derpat dovolenou, zm\u011bna zam\u011bstn\u00e1n\u00ed z vlastn\u00ed iniciativy, pracovn\u00ed z\u00e1vazky zn\u00e1m\u00e9 v dob\u011b sjedn\u00e1n\u00ed pojistky<\/td><\/tr><tr><td><strong>Nal\u00e9hav\u00e9 rodinn\u00e9 situace<\/strong><\/td><td>Nemoc, zran\u011bn\u00ed, karant\u00e9na \u010di smrt spolucestuj\u00edc\u00edho nebo \u010dlena rodiny vy\u017eaduj\u00edc\u00ed va\u0161i p\u00e9\u010di<\/td><td>V\u00e1\u017en\u00fd stav \u010dlena rodiny, kter\u00fd nevy\u017eaduje va\u0161i p\u00e9\u010di, \u00faraz nebo onemocn\u011bn\u00ed spolucestuj\u00edc\u00edho, pokud by to neznamenalo, \u017ee budete cestovat sami.<\/td><\/tr><tr><td><strong>Nemo\u017enost cestovat<\/strong><\/td><td>Komplikace v doprav\u011b<strong>:<\/strong> dopravn\u00ed nehoda, zpo\u017ed\u011bn\u00ed nebo zru\u0161en\u00ed ve\u0159ejn\u00e9 dopravy, kr\u00e1de\u017e vozidla&nbsp;<\/td><td>Zru\u0161en\u00ed z obavy cestovat nebo zm\u011bna n\u00e1zoru<\/td><\/tr><tr><td><strong>Soudn\u00ed jedn\u00e1n\u00ed<\/strong><\/td><td>Soudn\u00ed a spr\u00e1vn\u00ed p\u0159edvol\u00e1n\u00ed nebo rozvodov\u00e9 \u0159\u00edzen\u00ed poji\u0161t\u011bnce a spolucestuj\u00edc\u00edho<\/td><td>Soudn\u00ed st\u00e1n\u00ed zn\u00e1m\u00e9 ji\u017e v dob\u011b rezervace, rozvodov\u00e9 \u0159\u00edzen\u00ed spolucestuj\u00edc\u00edch, pokud nejsou uvedeni na jedn\u00e9 cestovn\u00ed smlouv\u011b&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Zdravotn\u00ed situace \u2013 nemoc a \u00faraz br\u00e1n\u00edc\u00ed v cest\u011b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Podle statistik pat\u0159\u00ed mezi nej\u010dast\u011bj\u0161\u00ed d\u016fvody pro zru\u0161en\u00ed cesty nep\u0159\u00edzniv\u00fd zdravotn\u00ed stav. Poji\u0161\u0165ovny v r\u00e1mci standardn\u00edho kryt\u00ed akceptuj\u00ed <strong>\u0161irokou \u0161k\u00e1lu zdravotn\u00edch situac\u00ed, kter\u00e9 objektivn\u011b br\u00e1n\u00ed v odjezdu<\/strong>. Pat\u0159\u00ed sem p\u0159edev\u0161\u00edm n\u00e1hl\u00e9 v\u00e1\u017en\u00e9 onemocn\u011bn\u00ed vy\u017eaduj\u00edc\u00ed intenzivn\u00ed l\u00e9\u010dbu, \u00faraz znemo\u017e\u0148uj\u00edc\u00ed cestov\u00e1n\u00ed, hospitalizace v obdob\u00ed t\u011bsn\u011b p\u0159ed odjezdem nebo l\u00e9ka\u0159em na\u0159\u00edzen\u00fd z\u00e1kaz cestov\u00e1n\u00ed (nap\u0159. nutnost absolutn\u00edho klidu na l\u016f\u017eku). Kryto je tak\u00e9 infek\u010dn\u00ed onemocn\u011bn\u00ed, jako je COVID-19, pokud je potvrzeno l\u00e9ka\u0159sk\u00fdm n\u00e1lezem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1sadn\u00edm p\u0159\u00ednosem je, \u017ee se ochrana nevztahuje pouze na samotn\u00e9ho pojistn\u00edka. <strong>Kryt\u00ed se obvykle roz\u0161i\u0159uje i na nejbli\u017e\u0161\u00ed rodinn\u00e9 p\u0159\u00edslu\u0161n\u00edky<\/strong>, jako jsou man\u017eel\u00e9, d\u011bti nebo rodi\u010de. V mnoha p\u0159\u00edpadech jsou <strong>chr\u00e1n\u011bni i spolucestuj\u00edc\u00ed<\/strong> uveden\u00ed na stejn\u00e9 pojistn\u00e9 smlouv\u011b. Jestli\u017ee se kdokoli z poji\u0161t\u011bn\u00fdch setk\u00e1 s akutn\u00ed zdravotn\u00ed komplikac\u00ed znemo\u017e\u0148uj\u00edc\u00ed odcestovat, poji\u0161t\u011bn\u00ed ochr\u00e1n\u00ed finance cel\u00e9 skupiny. To je kl\u00ed\u010dov\u00e9 nap\u0159\u00edklad pro rodinnou dovolenou, kde rodi\u010de \u010dasto investuj\u00ed do spole\u010dn\u00fdch z\u00e1\u017eitk\u016f vysok\u00e9 \u010d\u00e1stky a onemocn\u011bn\u00ed jednoho d\u00edt\u011bte by bez pojistky znamenalo propadnut\u00ed cel\u00e9 investice.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"623\" src=\"https:\/\/www.tui.cz\/blog\/wp-content\/uploads\/2026\/02\/nemocne-dite.jpg\" alt=\"nemocn\u00e9 d\u00edt\u011b\" class=\"wp-image-9967\" title=\"\" srcset=\"https:\/\/www.tui.cz\/blog\/wp-content\/uploads\/2026\/02\/nemocne-dite.jpg 1000w, https:\/\/www.tui.cz\/blog\/wp-content\/uploads\/2026\/02\/nemocne-dite-600x374.jpg 600w, https:\/\/www.tui.cz\/blog\/wp-content\/uploads\/2026\/02\/nemocne-dite-768x478.jpg 768w, https:\/\/www.tui.cz\/blog\/wp-content\/uploads\/2026\/02\/nemocne-dite-585x364.jpg 585w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Pracovn\u00ed komplikace vy\u017eaduj\u00edc\u00ed zru\u0161en\u00ed cesty<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Krom\u011b zdrav\u00ed hraje v na\u0161ich \u017eivotech velkou roli i profesn\u00ed sf\u00e9ra. Pracovn\u00ed situace, kter\u00e9 zakl\u00e1daj\u00ed n\u00e1rok na pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed storna, zahrnuj\u00ed p\u0159edev\u0161\u00edm <strong>ne\u010dekanou ztr\u00e1tu zam\u011bstn\u00e1n\u00ed<\/strong> z d\u016fvodu organiza\u010dn\u00edch zm\u011bn u zam\u011bstnavatele (tzv. nadbyte\u010dnost), nikoli v\u0161ak dobrovolnou v\u00fdpov\u011b\u010f ze strany zam\u011bstnance. Dal\u0161\u00edm uznateln\u00fdm d\u016fvodem je <strong>povinn\u00e9 pracovn\u00ed p\u0159elo\u017een\u00ed do jin\u00e9 zem\u011b<\/strong>, kter\u00e9 vy\u017eaduje va\u0161i osobn\u00ed p\u0159\u00edtomnost pr\u00e1v\u011b v dob\u011b pl\u00e1novan\u00e9 dovolen\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161t\u011bn\u00ed v\u00e1s tedy chr\u00e1n\u00ed p\u0159ed nep\u0159edv\u00eddateln\u00fdmi okolnostmi v zam\u011bstn\u00e1n\u00ed, kter\u00e9 nem\u016f\u017eete nijak ovlivnit. Poji\u0161\u0165ovna v t\u011bchto p\u0159\u00edpadech vy\u017eaduje ofici\u00e1ln\u00ed dokumentaci od zam\u011bstnavatele potvrzuj\u00edc\u00ed nezbytnost va\u0161\u00ed p\u0159\u00edtomnosti a organiza\u010dn\u00ed d\u016fvody. Je v\u0161ak nutn\u00e9 zd\u016fraznit, \u017ee storno nekryje dobrovoln\u00e9 zm\u011bny zam\u011bstn\u00e1n\u00ed, pracovn\u00ed z\u00e1vazky zn\u00e1m\u00e9 ji\u017e v dob\u011b rezervace nebo situace, kdy v\u00e1m do term\u00ednu volna zas\u00e1hne b\u011b\u017en\u00e1 slu\u017eebn\u00ed cesta, se kterou jste mohli po\u010d\u00edtat.<strong> Pr\u00e1v\u011b proto je d\u016fle\u017eit\u00e9 zakoupit poji\u0161t\u011bn\u00ed storna co nejd\u0159\u00edve po rezervaci z\u00e1jezdu<\/strong> je\u0161t\u011b p\u0159edt\u00edm, ne\u017e nastanou ne\u010dekan\u00e9 zm\u011bny v pracovn\u00edm procesu, kter\u00e9 by mohly v\u00e1\u0161 odjezd ohrozit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nal\u00e9hav\u00e9 rodinn\u00e9 situace a ne\u010dekan\u00e9 \u017eivotn\u00ed ud\u00e1losti<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u017divot p\u0159in\u00e1\u0161\u00ed okam\u017eiky, kdy m\u00e1 rodina a bezpe\u010d\u00ed domova absolutn\u00ed p\u0159ednost p\u0159ed odpo\u010dinkem u mo\u0159e. Poji\u0161t\u011bn\u00ed storna pamatuje i na tyto<strong> krizov\u00e9 \u017eivotn\u00ed okam\u017eiky.<\/strong> Mezi ud\u00e1losti, kter\u00e9 aktivuj\u00ed pojistnou ochranu, b\u011b\u017en\u011b pat\u0159\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00famrt\u00ed bl\u00edzk\u00e9ho rodinn\u00e9ho p\u0159\u00edslu\u0161n\u00edka<\/li>\n\n\n\n<li>v\u00e1\u017en\u00e9 onemocn\u011bn\u00ed \u010dlena rodiny, kter\u00e9 vy\u017eaduje va\u0161i osobn\u00ed p\u00e9\u010di<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>hospitalizace rodinn\u00e9ho p\u0159\u00edslu\u0161n\u00edka kr\u00e1tce p\u0159ed odjezdem<\/li>\n\n\n\n<li>rozvodov\u00e9 \u0159\u00edzen\u00ed nebo soudn\u00ed \u0159\u00edzen\u00ed, u kter\u00e9ho je vy\u017eadov\u00e1na va\u0161e osobn\u00ed \u00fa\u010dast a v dob\u011b po\u0159\u00edzen\u00ed pojistky jste o n\u011bm nev\u011bd\u011bli<\/li>\n\n\n\n<li>nal\u00e9hav\u00e9 ud\u00e1losti v m\u00edst\u011b bydli\u0161t\u011b, jako je po\u017e\u00e1r, z\u00e1plava nebo vloup\u00e1n\u00ed, kdy je va\u0161e p\u0159\u00edtomnost nezbytn\u00e1 pro \u0159e\u0161en\u00ed \u0161kod<\/li>\n\n\n\n<li>probl\u00e9my v doprav\u011b p\u0159i cest\u011b na leti\u0161t\u011b<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tyto situace jsou z podstaty nep\u0159edv\u00eddateln\u00e9 a mohou zcela zm\u011bnit va\u0161e priority. Poji\u0161t\u011bn\u00ed v takov\u00fdch chv\u00edl\u00edch p\u0159in\u00e1\u0161\u00ed alespo\u0148 finan\u010dn\u00ed jistotu, \u017ee i p\u0159es osobn\u00ed t\u011b\u017ekosti nep\u0159ijdete o sv\u00e9 \u00faspory vynalo\u017een\u00e9 na dovolenou.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak vysok\u00e9 jsou storno poplatky?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ka\u017ed\u00e1 cestovn\u00ed kancel\u00e1\u0159 m\u00e1 sv\u00e9 podm\u00ednky storno poplatk\u016f. Do jejich v\u00fdpo\u010dtu mj. vstupuje druh z\u00e1jezdu a tak\u00e9 \u010das, kter\u00fd zb\u00fdv\u00e1 do odjezdu. \u010c\u00edm pozd\u011bji rezervaci zru\u0161\u00edte, t\u00edm vy\u0161\u0161\u00ed \u010d\u00e1st sjednan\u00e9 ceny z\u00e1jezdu m\u016f\u017ee b\u00fdt \u00fa\u010dtov\u00e1na. Tady je uk\u00e1zka, jak storno poplatek po\u010d\u00edt\u00e1 p\u0159\u00edmo CK TUI.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Kdy z\u00e1jezd zru\u0161\u00edte<\/strong><\/td><td><strong>Storno poplatek u standardn\u00edho z\u00e1jezdu<\/strong><\/td><\/tr><tr><td>Do 21 dn\u016f p\u0159ed odjezdem<\/td><td>v\u00fd\u0161e zaplacen\u00e9 z\u00e1lohy (5\u201325 % sjednan\u00e9 ceny)<\/td><\/tr><tr><td>20 a\u017e 17 dn\u016f p\u0159ed odjezdem<\/td><td>40 % sjednan\u00e9 ceny<\/td><\/tr><tr><td>16 a\u017e 10 dn\u016f p\u0159ed odjezdem<\/td><td>60 % sjednan\u00e9 ceny<\/td><\/tr><tr><td>9 a\u017e 4 dny p\u0159ed odjezdem<\/td><td>80 % sjednan\u00e9 ceny<\/td><\/tr><tr><td>3 dny p\u0159ed odjezdem a\u017e v den odjezdu nebo p\u0159i jeho nezah\u00e1jen\u00ed<\/td><td>90 % sjednan\u00e9 ceny<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Pozn\u00e1mka: Percentu\u00e1ln\u00ed v\u00fd\u0161e storno poplatk\u016f je platn\u00e1 k datu vyd\u00e1n\u00ed \u010dl\u00e1nku. Podrobnosti najdete ve <\/em><a href=\"https:\/\/www.tui.cz\/cestujte-s-tui\/podminky-zajezdu\" target=\"_blank\" rel=\"noreferrer noopener\"><em>V\u0161eobecn\u00fdch obchodn\u00edch podm\u00ednk\u00e1ch TUI<\/em><\/a><em>.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud tedy nap\u0159\u00edklad zru\u0161\u00edte z\u00e1jezd za 50 000 K\u010d dva dny p\u0159ed odjezdem, m\u016f\u017ee storno poplatek \u010dinit 45 000 K\u010d. <strong>Kdy\u017e nem\u00e1te sjednan\u00e9 poji\u0161t\u011bn\u00ed storna, nezb\u00fdv\u00e1 v\u00e1m nic jin\u00e9ho, ne\u017e zaplatit celou \u010d\u00e1stku z vlastn\u00ed kapsy. <\/strong>V opa\u010dn\u00e9m p\u0159\u00edpad\u011b, pokud je d\u016fvod zru\u0161en\u00ed kryt\u00fd pojistn\u00fdmi podm\u00ednkami, poji\u0161\u0165ovna vznikl\u00e9 storno poplatky uhrad\u00ed. Tak\u017ee ve v\u00fdsledku m\u00edsto cel\u00e9 \u010d\u00e1stky za storno zaplat\u00edte jen poji\u0161t\u011bn\u00ed storna, kter\u00e9 se pobyhuje v jednotk\u00e1ch procent ceny dovolen\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Storno poplatky mohou b\u00fdt je\u0161t\u011b p\u0159\u00edsn\u011bj\u0161\u00ed<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">U n\u011bkter\u00fdch typ\u016f rezervac\u00ed se uplat\u0148uj\u00ed odli\u0161n\u00e9 podm\u00ednky. U nab\u00eddek Last Minute jsou poplatky vy\u0161\u0161\u00ed u\u017e p\u0159i zru\u0161en\u00ed s v\u011bt\u0161\u00edm p\u0159edstihem \u2013 za\u010d\u00ednaj\u00ed na 45 % sjednan\u00e9 ceny a p\u0159i neodcestov\u00e1n\u00ed mohou dos\u00e1hnout a\u017e 95 %. M\u00edrn\u011b odli\u0161n\u00fd sazebn\u00edk se vztahuje tak\u00e9 na vybran\u00e9 z\u00e1jezdy s pravideln\u00fdmi leteck\u00fdmi linkami. U ubytov\u00e1n\u00ed s vlastn\u00ed dopravou naopak \u010din\u00ed storno poplatek p\u0159i zru\u0161en\u00ed do 16 dn\u016f p\u0159ed za\u010d\u00e1tkem pobytu jen 5 %, od 15. dne v\u0161ak stoup\u00e1 na 60 %. P\u0159esn\u00e1 v\u00fd\u0161e poplatku v\u017edy z\u00e1vis\u00ed na aktu\u00e1ln\u00edch obchodn\u00edch podm\u00ednk\u00e1ch uveden\u00fdch ve smlouv\u011b.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.tui.cz\/blog\/wp-content\/uploads\/2026\/02\/kalendar.jpg\" alt=\"kalend\u00e1\u0159\" class=\"wp-image-13570\" title=\"\" srcset=\"https:\/\/www.tui.cz\/blog\/wp-content\/uploads\/2026\/02\/kalendar.jpg 1000w, https:\/\/www.tui.cz\/blog\/wp-content\/uploads\/2026\/02\/kalendar-600x400.jpg 600w, https:\/\/www.tui.cz\/blog\/wp-content\/uploads\/2026\/02\/kalendar-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u010c\u00edm \u010dasn\u011bj\u0161\u00ed rezervace, t\u00edm vy\u0161\u0161\u00ed riziko storna<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u0159\u00eddit si dovolenou s velk\u00fdm p\u0159edstihem p\u0159in\u00e1\u0161\u00ed \u0159adu mimo\u0159\u00e1dn\u00fdch v\u00fdhod, proto tzv. <a href=\"https:\/\/www.tui.cz\/first-minute-leto\" target=\"_blank\" rel=\"noreferrer noopener\">First Minute z\u00e1jezdy<\/a> pat\u0159\u00ed k velmi obl\u00edben\u00e9 strategii rezervace z\u00e1jezdu. V\u00fdhodn\u00e9 ceny, \u0159ada benefit\u016f, nej\u0161ir\u0161\u00ed v\u00fdb\u011br i jistota, \u017ee sv\u016fj odpo\u010dinek m\u00e1te ji\u017e zaji\u0161t\u011bn\u00fd, jsou velk\u00fdm l\u00e1kadlem. Jedin\u00e9, co m\u016f\u017ee na tuhle radost vrhnout mal\u00fd st\u00edn, je riziko nep\u0159edv\u00eddateln\u00fdch ud\u00e1lost\u00ed, kter\u00e9 je vzhledem k dlouh\u00e9mu \u010dasov\u00e9mu rozmez\u00ed mezi rezervac\u00ed a odjezdem pom\u011brn\u011b vysok\u00e9. <strong>Proto v takov\u00fdch p\u0159\u00edpadech storno poji\u0161t\u011bn\u00ed vysoce doporu\u010dujeme. <\/strong>Umo\u017en\u00ed v\u00e1m vyu\u017e\u00edt v\u00fdhody za v\u010dasn\u00fd n\u00e1kup bez strachu z finan\u010dn\u00ed ztr\u00e1ty, pokud byste nakonec nemohli odcestovat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je v\u0161ak poji\u0161t\u011bn\u00ed storna vhodn\u00e9 i v p\u0159\u00edpad\u011b <a href=\"https:\/\/www.tui.cz\/last-minute\" target=\"_blank\" rel=\"noreferrer noopener\">Last Minute z\u00e1jezd\u016f<\/a>? <strong>Za n\u00e1s m\u00e1 i tady sv\u00e9 opodstatn\u011bn\u00ed.<\/strong> I kdy\u017e je odjezd ji\u017e v dohledn\u00e9 dob\u011b, pro nenad\u00e1l\u00e9 situace zde b\u00fdv\u00e1 st\u00e1le prostor. Z\u00e1kon schv\u00e1lnosti m\u016f\u017ee zafungovat. <strong>Vzhledem ke storno poplatk\u016fm, kter\u00e9 jsou vysok\u00e9 ji\u017e po rezervaci<\/strong>, se u dovolen\u00e9 na posledn\u00ed chv\u00edli vyplat\u00ed ov\u011b\u0159it mo\u017enosti poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed storna z\u00e1jezdu od TUI \u2013 jak funguje?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed je u TUI velmi snadn\u00e9. <strong>P\u0159i rezervaci si jen vyberete, zda chcete cestovn\u00ed poji\u0161t\u011bn\u00ed v\u010detn\u011b poji\u0161t\u011bn\u00ed storna z\u00e1jezdu p\u0159ipojit ke smlouv\u011b. <\/strong>Po\u0159\u00eddit ho pr\u00e1v\u011b v tento moment je to nejlep\u0161\u00ed na\u010dasov\u00e1n\u00ed, proto\u017ee jste okam\u017eit\u011b chr\u00e1n\u011bni. Pokud byste v\u0161ak cht\u011bli rozhodnut\u00ed odlo\u017eit, cestovn\u00ed poji\u0161t\u011bn\u00ed i poji\u0161t\u011bn\u00ed storna z\u00e1jezdu <strong>je mo\u017en\u00e9 dokoupit i pozd\u011bji<\/strong>. Produkty se daj\u00ed po\u0159\u00eddit tak\u00e9 zvl\u00e1\u0161\u0165, ale cel\u00fd bal\u00ed\u010dek se zpravidla vyplat\u00ed nejv\u00edce.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ve\u0161ker\u00e9 informace k pojistk\u00e1m najdete jak v dokumentech doprov\u00e1zej\u00edc\u00edch rezervaci, tak na webov\u00fdch str\u00e1nk\u00e1ch <a href=\"https:\/\/www.tui.cz\/cestovni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.tui.cz\/cestovni-pojisteni<\/a>. <strong>Poskytov\u00e1ny jsou na\u0161\u00edm partnerem Allianz<\/strong>, na kter\u00e9ho se v p\u0159\u00edpad\u011b pojistn\u00e9 ud\u00e1losti budete p\u0159\u00edmo obracet. Nezapome\u0148te, \u017ee <strong>pro \u00fasp\u011b\u0161n\u00e9 pojistn\u00e9 pln\u011bn\u00ed je zapot\u0159eb\u00ed p\u0159edlo\u017eit \u017e\u00e1dan\u00e9 dokumenty<\/strong>, jako nap\u0159\u00edklad l\u00e9ka\u0159skou zpr\u00e1vu, v\u00fdpov\u011b\u010f z pracovn\u00edho pom\u011bru, p\u0159edvol\u00e1n\u00ed k soudu, policejn\u00ed zpr\u00e1vu o dopravn\u00ed nehod\u011b cestou na leti\u0161t\u011b apod.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>S v\u00fdb\u011brem vhodn\u00e9ho poji\u0161t\u011bn\u00ed v\u00e1m r\u00e1di porad\u00edme.<\/strong> M\u016f\u017eeme ho spole\u010dn\u011b probrat osobn\u011b na pobo\u010dce, telefonicky nebo prost\u0159ednictv\u00edm chatu myTUI. Mo\u017enosti najdete v sekci <a href=\"https:\/\/www.tui.cz\/kontakt\" target=\"_blank\" rel=\"noreferrer noopener\">Kontakty<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vyplat\u00ed se poji\u0161t\u011bn\u00ed storna z\u00e1jezdu?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Investice do poji\u0161t\u011bn\u00ed storna p\u0159edstavuje v porovn\u00e1n\u00ed s celkovou cenou z\u00e1jezdu<strong> jen zanedbateln\u00fd zlomek n\u00e1klad\u016f<\/strong>, nebo\u0165 se obvykle pohybuje v \u0159\u00e1du jednotek procent. Skute\u010dn\u00e1 hodnota t\u00e9to ochrany v\u0161ak <strong>nespo\u010d\u00edv\u00e1 pouze v pen\u011bz\u00edch, ale tak\u00e9 v psychick\u00e9 pohod\u011b a klidu<\/strong>, kter\u00fd v\u00e1m po celou dobu p\u0159\u00edprav p\u0159inese. O sjedn\u00e1n\u00ed t\u00e9to slu\u017eby je rozumn\u00e9 uva\u017eovat p\u0159edev\u0161\u00edm u finan\u010dn\u011b n\u00e1ro\u010dn\u011bj\u0161\u00edch dovolen\u00fdch, kde by p\u0159\u00edpadn\u00e1 ztr\u00e1ta cel\u00e9 zaplacen\u00e9 \u010d\u00e1stky mohla citeln\u011b zas\u00e1hnout v\u00e1\u0161 rodinn\u00fd rozpo\u010det nebo ohrozit budouc\u00ed pl\u00e1ny.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dal\u0161\u00edm v\u00fdznamn\u00fdm faktorem je slo\u017een\u00ed cestovn\u00ed skupiny, proto\u017ee<strong> p\u0159i cestov\u00e1n\u00ed s mal\u00fdmi d\u011btmi nebo seniory b\u00fdv\u00e1 zdravotn\u00ed stav mnohem h\u016f\u0159e p\u0159edv\u00eddateln\u00fd<\/strong> a riziko n\u00e1hl\u00e9ho onemocn\u011bn\u00ed p\u0159irozen\u011b roste. Podobn\u00e1 obez\u0159etnost je na m\u00edst\u011b i <strong>u osob s m\u00e9n\u011b stabiln\u00edm profesn\u00edm z\u00e1zem\u00edm<\/strong>, co\u017e se t\u00fdk\u00e1 zejm\u00e9na zam\u011bstnanc\u016f v oborech, kter\u00e9 podl\u00e9haj\u00ed n\u00e1hl\u00fdm a ne\u010dekan\u00fdm organiza\u010dn\u00edm zm\u011bn\u00e1m. V neposledn\u00ed \u0159ad\u011b <strong>hraje roli i \u010das,<\/strong> kdy u cest pl\u00e1novan\u00fdch s p\u0159edstihem p\u016fl roku a v\u00edce v\u00fdrazn\u011b stoup\u00e1 pravd\u011bpodobnost, \u017ee do term\u00ednu odjezdu zas\u00e1hne n\u011bjak\u00e1 nep\u0159edv\u00eddateln\u00e1 \u017eivotn\u00ed okolnost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pamatujte, \u017ee spr\u00e1vn\u011b zvolen\u00e9 poji\u0161t\u011bn\u00ed nep\u0159edstavuje jen dal\u0161\u00ed v\u00fddaj, alejedn\u00e1 se o investici do va\u0161\u00ed jistoty. D\u00edky n\u011bmu se m\u016f\u017eete na svou zaslou\u017eenou dovolenou t\u011b\u0161it s v\u011bdom\u00edm, \u017ee <strong>va\u0161e finance jsou v bezpe\u010d\u00ed, a\u0165 u\u017e \u017eivot p\u0159inese cokoli.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-red-background-color has-background wp-element-button\" href=\"https:\/\/www.tui.cz\/cestovni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\">Mo\u017enosti poji\u0161t\u011bn\u00ed od TUI<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pl\u00e1nov\u00e1n\u00ed dovolen\u00e9 p\u0159in\u00e1\u0161\u00ed radost a o\u010dek\u00e1v\u00e1n\u00ed, jen\u017ee \u017eivot je nep\u0159edv\u00eddateln\u00fd a n\u011bkdy n\u00e1m do na\u0161ich pl\u00e1n\u016f ne\u010dekan\u011b zas\u00e1hne. N\u00e1sleduj\u00edc\u00ed text podrobn\u011b vysv\u011btluje, v jak\u00fdch situac\u00edch se uplat\u0148uje poji\u0161t\u011bn\u00ed storna z\u00e1jezdu. Tato speci\u00e1ln\u00ed pojistn\u00e1 ochrana v\u00e1s finan\u010dn\u011b kryje v p\u0159\u00edpad\u011b, \u017ee mus\u00edte zru\u0161it ji\u017e zaplacen\u00fd z\u00e1jezd je\u0161t\u011b p\u0159ed samotn\u00fdm odletem. Pochopen\u00ed toho, jak tento produkt funguje, [&hellip;]<\/p>\n","protected":false},"author":54,"featured_media":9970,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[182,29],"tags":[],"class_list":["post-9966","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cestovani","category-poradenstvi"],"acf":[],"home_img_url":"https:\/\/www.tui.cz\/blog\/wp-content\/uploads\/2026\/02\/cestovni-pojisteni-storna-1-585x390.jpg","home_img_alt":"cestovn\u00ed poji\u0161t\u011bn\u00ed storna z\u00e1jezdu","_links":{"self":[{"href":"https:\/\/www.tui.cz\/blog\/wp-json\/wp\/v2\/posts\/9966","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tui.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tui.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tui.cz\/blog\/wp-json\/wp\/v2\/users\/54"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tui.cz\/blog\/wp-json\/wp\/v2\/comments?post=9966"}],"version-history":[{"count":3,"href":"https:\/\/www.tui.cz\/blog\/wp-json\/wp\/v2\/posts\/9966\/revisions"}],"predecessor-version":[{"id":13634,"href":"https:\/\/www.tui.cz\/blog\/wp-json\/wp\/v2\/posts\/9966\/revisions\/13634"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tui.cz\/blog\/wp-json\/wp\/v2\/media\/9970"}],"wp:attachment":[{"href":"https:\/\/www.tui.cz\/blog\/wp-json\/wp\/v2\/media?parent=9966"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tui.cz\/blog\/wp-json\/wp\/v2\/categories?post=9966"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tui.cz\/blog\/wp-json\/wp\/v2\/tags?post=9966"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}