- W sezonie narciarskim 57 proc. zgłoszeń wypadków polskich turystów ma miejsce we Włoszech i Austrii. Najczęściej dotyczą urazów kolan i stawu skokowego.
- Karta EKUZ nie ochroni przed wszystkimi kosztami leczenia za granicą, stąd nawet NFZ zaleca dodatkowe ubezpieczenie turystyczne.
- Koszt 4-dniowej hospitalizacji i operacji kości udowej w Austrii to dzisiaj ok. 11 tys. euro.
- Nawet 23 tys. euro może kosztować transport medyczny poszkodowanego z Włoch do kraju.
- Turyści powinni też pamiętać o polisie OC na wypadek wyrządzenia szkód innym. Uchroni to przed wysokimi odszkodowaniami, które musieliby opłacić z własnej kieszeni.
Kolana i kostki najbardziej zagrożone. Szczególnie we Włoszech i Austrii.
Rusza kolejny sezon narciarki, w którego czasie zagraniczne stoki znowu zapełnią się turystami z Polski. Nawet kilkudniowy wyjazd w góry niesie jednak ze sobą ryzyko wypadków i kontuzji. Szczególnie narażeni są ci, którzy po dłuższej przerwie lub nieprzygotowani wychodzą na stok albo dopiero zaczynają uczyć się jazdy na nartach, czy snowboardzie. Również osobom z dużym doświadczeniem mogą przydarzyć się nieszczęścia spowodowane pogorszeniem stanu zdrowia, warunkami pogodowymi, czy zachowaniem innych bez względu na to, gdzie zdecydowali się spędzić swój wypoczynek.
Pomimo dobrej infrastruktury i obowiązujących zasad bezpieczeństwa największa liczba wypadków zdarza się w najpopularniejszych zimowych destynacjach. I tak wg. Mondial Assistance 36 proc. zgłaszanych przez polskich turystów negatywnych zdarzeń ma miejsce we włoskich kurortach. Na drugim miejscu znajduje się Austria (21 proc.), a następnie Francja (8 proc.) oraz Czechy (5 proc.). Wszędzie tam katalog niebezpiecznych kontuzji i urazów jest bardzo szeroki.
– Z naszych raportów wynika, że podczas uprawiania sportów zimowych ponad 30 proc. wypadków związanych jest z urazami kolan. Z kolei co piąta kontuzja dotyczy skręcenia stawu skokowego i kostki. Równie częste są kontuzje ramion i barku, a ok. 5 proc. stanowią te najniebezpieczniejsze, czyli urazy głowy – wylicza Ludmiła Opałko z Mondial Assistance.
Od jednorazowej wizyty do hospitalizacji. Karta EKUZ za dużo nie pomoże.
Aby zapewnić opiekę zdrowotną sobie i bliskim, za granicą powinniśmy posiadać Kartę EKUZ (Europejska Karta Ubezpieczenia Zdrowotnego), ale także legitymować się dobrowolnym ubezpieczeniem turystycznym. Karta obejmuje bowiem zakresem jedynie podstawowe usługi medyczne. W efekcie nie pokryje np. kosztu transportu medycznego, czy opieki w prywatnym szpitalu. Co więcej, jej posiadanie nie zawsze wiąże się z bezpłatnym dostępem do publicznej służby zdrowia. Przykładowo we Francji EKUZ pokryje maksymalnie do 85 proc. kosztów związanych ze zdarzeniem. Stąd też nawet NFZ zachęca do wykupienia dodatkowego ubezpieczenia w podróży.
– Zakres dobrowolnej polisy turystycznej jest bardzo szeroki. Poza dostępem do służby zdrowia w wyniku ewentualnych chorób, czy wypadków obejmie także np. kradzież sprzętu sportowego lub utratę bagażu. Umożliwia ponadto wykupienie zwyżki dla sportów wysokiego ryzyka. Jednak zawsze jej najważniejszą rolą będzie zapewnienie satysfakcjonujących warunków leczenia i pokrycia jego kosztów, które w tym sezonie zimowym mogą okazać się szczególnie wysokie – wskazuje Ludmiła Opałko z Mondial Assistance.
Przykładowy koszt wizyty lekarskiej we Włoszech to dzisiaj ok. 200 euro. Jednak ewentualne złamanie tam nogi i spowodowana tym konieczność 4-dniowej hospitalizacji to już wydatek ok. 7,6 tys. euro. Tak samo długi pobyt w szpitalu w Austrii na skutek operacji kości udowej to pewność rachunku w granicach 11 tys. euro. Teoretycznie najtaniej będzie chorować w Czechach… Jednodniowy pobyt w szpitalu wyniesie tutaj ok. 900 zł, jednak tylko w przypadku kiedy trafimy do placówki publicznej. W prywatnej klinice ceny rozpoczną się od 2 tys. zł wzwyż.
Leczenie to nie wszystko. Ważny też transport, a to w Europie już koszt nawet 23 tys. euro!
Wydatki na wizytę lekarską, pomoc ambulatoryjną, czy hospitalizację to nie jedyne kwoty, które trzeba ponieść w następstwie choroby lub odniesionego za granicą wypadku. Bardzo często wiążą się one z koniecznością odpłatnej akcji ratunkowej w górach, zwiezieniem ze stoku, czy transportem do szpitala z miejsca zdarzenia. Czynności te nie są refundowane przez NFZ. Przy czym najwyższe koszty związane są z ew. transportem chorego do kraju.
– Przetransportowanie poszkodowanego z np. z terenu Włoch do Polski wiąże się z rachunkiem od 1,8 tys. euro wzwyż dla karetki lub regularnych linii lotniczych, do nawet 18-23 tys. euro w zagrażających życiu i zdrowiu przypadkach wymagających wykorzystania specjalistycznego air ambulansu. Ponadto, jeżeli podczas podróży samolotem konieczna jest obecność osoby bliskiej, należy liczyć się dodatkowymi kosztami miejsca (tzw. extra seat) w wysokości ok. 2 tys. euro. Dysponując odpowiednią polisą turystyczną wszystkie te koszty pokrywa ubezpieczyciel – podkreśla Ludmiła Opałko z Mondial Assistance.
Spowodowałeś wypadek w górach i nie masz ubezpieczenia? Płacz i płać!
Osoby uprawiające sporty zimowe mogą powodować wypadki, w których poszkodowane zostaną osoby trzecie. Należy w tym miejscu zdawać sobie sprawę, że „na stoku” obowiązują takie same zasady odpowiedzialności cywilnej, jak w życiu codziennym. Ważne staje się więc posiadanie takiej polisy OC, która w przypadku wyrządzonej przez nas nieumyślnie szkody ochroni przed zazwyczaj wysokimi konsekwencjami odszkodowania.
– Ostatnio procedowaliśmy zdarzenie, do którego doszło na jednym ze stoków w Austrii. Nastolatek z Polski, który uczył się jazdy na nartach, przypadkowo wjechał w turystkę z Niemiec. Koszt karetki, wizyty w szpitalu i zabiegu na skutek urazu wyniósł 25 tys. zł, a zniszczonego sprzętu narciarskiego kolejne 5 tys. z. Dodatkowo poszkodowana musiała pozostać na zwolnieniu lekarskim przez 2 miesiące. Wiązało się to z utratą jej dochodu wys. 8 tys. euro. Wszystkie koszty zamknęły się w kwocie ok. 70 tys. zł. Gdyby nie posiadane ubezpieczenie OC, rachunek w tej wysokości trafiłby do sprawcy i musiałby on opłacić go z własnej kieszeni – podsumowuje Ludmiła Opałko z Mondial Assistance.
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