{"id":1068,"date":"2026-04-11T08:00:00","date_gmt":"2026-04-11T08:00:00","guid":{"rendered":"https:\/\/etavisauk.org\/en\/?p=1068"},"modified":"2026-03-29T13:51:11","modified_gmt":"2026-03-29T13:51:11","slug":"uk-travel-insurance-visitors-guide","status":"publish","type":"post","link":"https:\/\/etavisauk.org\/lt\/uk-travel-insurance-visitors-guide\/","title":{"rendered":"JK kelioni\u0173 draudimas lankytojams: Ar jums jo reikia?"},"content":{"rendered":"<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"1800\" src=\"https:\/\/etavisauk.org\/wp-content\/uploads\/2026\/03\/b4_1068_0.jpg\" alt=\"JK kelioni\u0173 draudimas lankytojams: Ar jums jo reikia? - draudimo dokumentas medicininis\" class=\"wp-image-1310\" \/><\/figure>\n<h2>Kelioni\u0173 draudimas JK lankytojams: Viskas, k\u0105 reikia \u017einoti<\/h2>\n<p>Vienas da\u017eniausi\u0173 klausim\u0173, kuriuos keliautojai u\u017eduoda prie\u0161 keliaudami \u012f Jungtin\u0119 Karalyst\u0119, yra tas, ar jiems reikia kelion\u0117s draudimo. Trumpas atsakymas: tai yra <strong>teisi\u0161kai nereikalaujama<\/strong>, ta\u010diau jis yra <strong>primygtinai rekomenduojama<\/strong>. Medicininis gydymas, kelion\u0117s at\u0161aukimas ir prarastas baga\u017eas gali kainuoti t\u016bkstan\u010dius svar\u0173 sterling\u0173, o be draudimo asmeni\u0161kai atsakote u\u017e kiekvien\u0105 cent\u0105. \u0160iame vadove paai\u0161kinama, kaip veikia sveikatos prie\u017ei\u016bra JK lankytojams, k\u0105 tur\u0117t\u0173 apimti kelion\u0117s draudimas ir kaip pasirinkti tinkam\u0105 draudimo polis\u0105 savo kelionei.<\/p>\n<h2>Ar reikalingas kelion\u0117s draudimas norint atvykti \u012f Jungtin\u0119 Karalyst\u0119?<\/h2>\n<p>Ne. Skirtingai nei kai kuriose \u0161alyse, kuriose pasienyje reikalaujama pateikti kelion\u0117s draudim\u0105 patvirtinant\u012f dokument\u0105, Jungtin\u0117je Karalyst\u0117je draudimas n\u0117ra teisin\u0117 atvykimo s\u0105lyga. Atvykus j\u016bs\u0173 nepra\u0161ys parodyti draudimo poliso, o jo netur\u0117jimas netur\u0117s \u012ftakos j\u016bs\u0173 <a href=\"https:\/\/etavisauk.org\/lt\/uk-eta-2026-rules-cost-2\/\">ETA<\/a> arba sienos kirtimo.<\/p>\n<p>Ta\u010diau tai, kad jis n\u0117ra privalomas, nerei\u0161kia, kad tur\u0117tum\u0117te j\u012f praleisti. Jungtin\u0117s Karalyst\u0117s sveikatos prie\u017ei\u016bros sistemoje lankytojams taikomos specialios taisykl\u0117s, o gydymo i\u0161laidos be draudimo gali b\u016bti didel\u0117s.<\/p>\n<h2>Kaip veikia NHS sveikatos prie\u017ei\u016bra lankytojams<\/h2>\n<p>Nacionalin\u0117 sveikatos tarnyba (NHS) - tai JK valstyb\u0117s finansuojama sveikatos prie\u017ei\u016bros sistema. JK gyventojams ji teikia nemokam\u0105 arba subsidijuojam\u0105 sveikatos prie\u017ei\u016br\u0105, ta\u010diau lankytojams taikomos kitokios taisykl\u0117s.<\/p>\n<h3>Kas yra nemokama visiems<\/h3>\n<p>Tam tikros NHS paslaugos yra nemokamos visiems JK gyventojams, nepriklausomai nuo j\u0173 imigracijos statuso ar draudimo:<\/p>\n<ul>\n<li><strong>Nelaiming\u0173 atsitikim\u0173 ir skubios pagalbos (A&amp;E) gydymas<\/strong> - jei jums reikia skubios ar neatid\u0117liotinos pagalbos, b\u016bsite nemokamai gydomi bet kurioje NHS ligonin\u0117je. Tai apima ir greitosios pagalbos tarnybas, teikian\u010dias skubi\u0105 pagalb\u0105.<\/li>\n<li><strong>Tam tikr\u0173 u\u017ekre\u010diam\u0173j\u0173 lig\u0173 gydymas<\/strong> - \u012fskaitant tuberkulioz\u0119, COVID-19 ir lyti\u0161kai plintan\u010dias infekcijas.<\/li>\n<li><strong>\u0160eimos planavimo paslaugos<\/strong> - kontracepcijos konsultacijos ir gydymas<\/li>\n<li><strong>Gydymas pagal teismo nutart\u012f arba priverstinis sulaikymas<\/strong><\/li>\n<\/ul>\n<p><strong>Svarbu:<\/strong> Nors skubi pagalba A&amp;E skyriuje yra nemokama, bet koks <strong>tolesnis gydymas<\/strong> po pirminio skubios pagalbos \u012fvertinimo, \u012fskaitant paguldym\u0105 \u012f ligonin\u0119, operacij\u0105 ar nuolatin\u0119 prie\u017ei\u016br\u0105, lankytojams yra mokama.<\/p>\n<h3>U\u017e k\u0105 lankytojai turi mok\u0117ti<\/h3>\n<p>Neskubus NHS gydymas yra <strong>ne nemokamai<\/strong> u\u017esienio lankytojams. Tai apima:<\/p>\n<ul>\n<li>Paskyros pas \u0161eimos gydytoj\u0105 (GP)<\/li>\n<li>Gydymas ligonin\u0117je, kuris nekelia tiesioginio pavojaus gyvybei<\/li>\n<li>Ambulatoriniai vizitai ir siuntimai pas specialistus<\/li>\n<li>Receptai ir vaistai<\/li>\n<li>Dant\u0173 gydymas (i\u0161skyrus skub\u0173 dant\u0173 gydym\u0105 ligonin\u0117s A&amp;E skyriuje)<\/li>\n<li>Bet koks tolesnis gydymas po pirmin\u0117s skubios pagalbos<\/li>\n<\/ul>\n<p>NHS u\u017esienio lankytojams taiko <strong>150% standartinio NHS tarifo<\/strong>, t. y. mok\u0117site 1,5 karto brangiau nei \u012fprastai kainuot\u0173 gydymas. Kelios nakvyn\u0117s ligonin\u0117je gali lengvai kainuoti t\u016bkstan\u010dius svar\u0173 sterling\u0173. B\u016btent tod\u0117l kelion\u0117s draudimas yra toks svarbus.<\/p>\n<h3>EHIC ir GHIC: k\u0105 turi \u017einoti ES pilie\u010diai<\/h3>\n<p>Jei esate ES arba EEE pilietis, j\u016bs\u0173 <strong>Europos sveikatos draudimo kortel\u0117 (ESDK)<\/strong> arba <strong>Pasaulin\u0117 sveikatos draudimo kortel\u0117 (GHIC)<\/strong> tebegalioja Jungtin\u0117je Karalyst\u0117je. Tai suteikia teis\u0119 laikino buvimo \u0161alyje metu gauti valstyb\u0117s teikiamas b\u016btin\u0105sias sveikatos prie\u017ei\u016bros paslaugas tokiomis pa\u010diomis s\u0105lygomis, kaip ir JK gyventojams.<\/p>\n<p>Pagrindiniai punktai apie ESDK \/ ESDK Jungtin\u0117je Karalyst\u0117je:<\/p>\n<ul>\n<li>Ji apima gydym\u0105, kuris yra b\u016btinas j\u016bs\u0173 buvimo \u0161alyje metu (ne i\u0161 anksto suplanuot\u0105 gydym\u0105).<\/li>\n<li>Ji taikoma tik gydymui NHS \u012fstaigose, o ne priva\u010diose sveikatos prie\u017ei\u016bros \u012fstaigose.<\/li>\n<li>Jums vis dar gali tekti mok\u0117ti recepto ir kai kuriuos odontologijos mokes\u010dius, kaip ir JK gyventojams.<\/li>\n<li>Tai tiesa. <strong>ne<\/strong> repatriacijos (medicininiai skryd\u017eiai namo), prarasto baga\u017eo, kelion\u0117s at\u0161aukimo ar vagyst\u0117s i\u0161laidos.<\/li>\n<li>Tai yra <strong>nepakei\u010dia kelioni\u0173 draudimo<\/strong> - EHIC\/GHIC tur\u0117t\u0173 b\u016bti laikoma i\u0161samios kelion\u0117s draudimo sutarties papildymu, o ne jos pakaitalu.<\/li>\n<\/ul>\n<p>Jei turite galiojan\u010di\u0105 Europos sveikatos draudimo arba sveikatos draudimo kortel\u0119, pasiimkite j\u0105 su savimi. Ji gali gerokai suma\u017einti j\u016bs\u0173 ki\u0161en\u0117je esan\u010dias sveikatos prie\u017ei\u016bros i\u0161laidas. Ta\u010diau taip pat apsidrauskite kelioni\u0173 draudimu, kad gal\u0117tum\u0117te apsisaugoti nuo lig\u0173, kuri\u0173 kortel\u0117 nesuteikia.<\/p>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/etavisauk.org\/wp-content\/uploads\/2026\/03\/b4_1068_1.jpg\" alt=\"JK kelioni\u0173 draudimas lankytojams: Ar jums jo reikia? - ligonin\u0117s medicinos \u012fstaiga\" class=\"wp-image-1311\" \/><\/figure>\n<h2>K\u0105 tur\u0117t\u0173 apimti geras kelioni\u0173 draudimas<\/h2>\n<p>Ne visi kelioni\u0173 draudimo polisai yra vienodi. Pirkdami draudimo polis\u0105 kelionei \u012f Jungtin\u0119 Karalyst\u0119, atkreipkite d\u0117mes\u012f \u012f \u0161iuos pagrindinius elementus:<\/p>\n<h3>Medicinin\u0117s i\u0161laidos ir skubus gydymas<\/h3>\n<p>Tai svarbiausias elementas. J\u016bs\u0173 polisas tur\u0117t\u0173 apimti:<\/p>\n<ul>\n<li>Skubus gydymas ligonin\u0117je ir operacija<\/li>\n<li>Greitosios medicinos pagalbos transportas<\/li>\n<li>Ambulatorinis gydymas ir apsilankymai pas \u0161eimos gydytoj\u0105<\/li>\n<li>Receptiniai vaistai<\/li>\n<li>Skubus dant\u0173 gydymas<\/li>\n<li><strong>Rekomenduojamas minimalus draudimas: nuo 1 000 000 iki 2 000 000 svar\u0173 sterling\u0173<\/strong> medicinin\u0117ms i\u0161laidoms<\/li>\n<\/ul>\n<p>Tai gali atrodyti daug, ta\u010diau rimtas nelaimingas atsitikimas ar liga, kai reikia intensyvios prie\u017ei\u016bros ir repatriacijos, gali lengvai kainuoti \u0161e\u0161ia\u017eenkl\u0119 sum\u0105.<\/p>\n<h3>Medicinin\u0117 repatriacija<\/h3>\n<p>Jei sunkiai susirgsite ar susi\u017eeisite, gali prireikti, kad jus \u012f gimt\u0105j\u0105 \u0161al\u012f parskraidint\u0173 greitosios pagalbos l\u0117ktuvas. Vien tai gali kainuoti 50 000 svar\u0173 sterling\u0173 ar daugiau. \u012esitikinkite, kad j\u016bs\u0173 draudimo polisas apima medicinin\u0119 repatriacij\u0105 ir neapriboja jos ma\u017ea suma.<\/p>\n<h3>Kelion\u0117s at\u0161aukimas ir sutrumpinimas<\/h3>\n<p>Tai padengia j\u016bs\u0173 finansinius nuostolius, jei jums tekt\u0173 at\u0161aukti kelion\u0119 prie\u0161 i\u0161vykim\u0105 arba j\u0105 nutraukti jau atvykus \u012f JK. Da\u017eniausios draud\u017eiamos prie\u017eastys yra \u0161ios:<\/p>\n<ul>\n<li>J\u016bs\u0173 arba artimo \u0161eimos nario liga ar su\u017ealojimas.<\/li>\n<li>Netektis<\/li>\n<li>Prisiekusi\u0173j\u0173 prievol\u0117 arba \u0161aukimas \u012f teism\u0105<\/li>\n<li>Atleidimas i\u0161 darbo<\/li>\n<li>stichin\u0117s nelaim\u0117s arba kelioni\u0173 sutrikimai<\/li>\n<\/ul>\n<p><strong>Rekomenduojama ma\u017eiausia apr\u0117ptis:<\/strong> tiek, kad padengt\u0173 visas i\u0161 anksto apmok\u0117tas kelion\u0117s i\u0161laidas (skryd\u017eiai, vie\u0161bu\u010diai, ekskursijos ir kt.).<\/p>\n<h3>Baga\u017eas ir asmeniniai daiktai<\/h3>\n<p>Draudimas nuo prarasto, pavogto ar sugadinto baga\u017eo ir asmenini\u0173 daikt\u0173. Patikrinkite, koks yra vieno daikto limitas, nes daugelyje draudimo liudijim\u0173 atskiriems daiktams taikomas 200-500 svar\u0173 sterling\u0173 limitas, o tai gali nepadengti brangios elektronikos ar juvelyrini\u0173 dirbini\u0173. Didel\u0117s vert\u0117s daiktams gali prireikti papildomo draudimo.<\/p>\n<h3>Kelioni\u0173 v\u0117lavimai ir praleisti jungimai<\/h3>\n<p>Jei j\u016bs\u0173 skrydis atidedamas kelioms valandoms arba praleid\u017eiate pers\u0117dim\u0105, j\u016bs\u0173 draudimo polisas tur\u0117t\u0173 b\u016bti apdraustas:<\/p>\n<ul>\n<li>Papildomos apgyvendinimo ir maitinimo i\u0161laidos<\/li>\n<li>Alternatyvios transporto priemon\u0117s<\/li>\n<li>Fiksuotos i\u0161mokos mok\u0117jimas u\u017e kiekvienas 12 v\u0117lavimo valand\u0173<\/li>\n<\/ul>\n<h3>Asmenin\u0117 atsakomyb\u0117<\/h3>\n<p>\u0160i apsauga taikoma, jei kelion\u0117s metu nety\u010dia k\u0105 nors su\u017ealotum\u0117te arba sugadintum\u0117te jo turt\u0105. Ie\u0161kokite bent 1 000 000 svar\u0173 sterling\u0173 asmenin\u0117s civilin\u0117s atsakomyb\u0117s draudimo.<\/p>\n<h3>Teisin\u0117s i\u0161laidos<\/h3>\n<p>\u012e kai kuriuos draudimo polisus \u012ftrauktas teisini\u0173 i\u0161laid\u0173 draudimas, kuris gali b\u016bti naudingas, jei u\u017esienyje jums prireikt\u0173 teisinio atstovo. Tokio draudimo reikia re\u010diau, ta\u010diau jis yra vertingas, jei yra \u012ftrauktas.<\/p>\n<h2>I\u0161ankstin\u0117s medicinin\u0117s b\u016bkl\u0117s<\/h2>\n<p>Tai viena i\u0161 svarbiausi\u0173 sri\u010di\u0173, kuri\u0105 reikia teisingai i\u0161spr\u0119sti. Jei turite sveikatos sutrikim\u0173 - nuo astmos ir diabeto iki neseniai persirgtos \u0161irdies ligos - \u012fsigydami kelioni\u0173 draudim\u0105 privalote apie tai prane\u0161ti.<\/p>\n<ul>\n<li><strong>Nedeklaruotos b\u016bkl\u0117s nekompensuojamos.<\/strong> Jei \u012fvyko su liga, kurios nedeklaravote, susij\u0119s medicininis \u012fvykis, j\u016bs\u0173 reikalavimas bus atmestas.<\/li>\n<li>Dauguma draudik\u0173, teikdami parai\u0161k\u0105, pateikia medicinin\u0117s patikros klausimyn\u0105.<\/li>\n<li>Priklausomai nuo b\u016bkl\u0117s, draudimo \u012fmoka gali padid\u0117ti arba draudikas gali ne\u012ftraukti tos konkre\u010dios b\u016bkl\u0117s.<\/li>\n<li>Kai kurie specializuoti draudikai daugiausia d\u0117mesio skiria keliautojams, turintiems ankstesni\u0173 lig\u0173, ir gali pasi\u016blyti geresnes s\u0105lygas nei \u012fprastiniai draudikai.<\/li>\n<li>Visada atid\u017eiai perskaitykite poliso tekst\u0105, kad suprastum\u0117te, kas draud\u017eiama ir kas ne.<\/li>\n<\/ul>\n<h2>Nuotyki\u0173 sporto ir veiklos draudimas<\/h2>\n<p>Jei kelion\u0117s po JK metu planuojate ne tik ap\u017ei\u016br\u0117ti lankytinas vietas, patikrinkite, ar j\u016bs\u0173 veikla yra apdrausta. Daugelis standartini\u0173 draudimo polis\u0173 neapima:<\/p>\n<ul>\n<li>\u017dygiai auk\u0161tikaln\u0117se arba atokiose vietov\u0117se (gali b\u016bti \u012fskai\u010diuoti kai kurie Jungtin\u0117s Karalyst\u0117s kaln\u0173 \u017eygiai).<\/li>\n<li>Kelion\u0117s dvira\u010diais ir kaln\u0173 dvira\u010diais<\/li>\n<li>Vandens sportas (banglen\u010di\u0173 sportas Kornvalyje, plaukimas baidar\u0117mis \u0160kotijoje ir kt.)<\/li>\n<li>Jodin\u0117jimas \u017eirgais<\/li>\n<li>Slidin\u0117jimas ir snieglen\u010di\u0173 sportas (jei lankot\u0117s \u0160kotijoje \u017eiem\u0105)<\/li>\n<li>Laipiojimas uolomis ir laipiojimas uolomis<\/li>\n<li>\u0160uoliai su \u0161okdyn\u0117mis arba pasiva\u017ein\u0117jimas lynais<\/li>\n<\/ul>\n<p>Jei \u012f j\u016bs\u0173 mar\u0161rut\u0105 \u012ftraukta kuri nors i\u0161 \u0161i\u0173 veikl\u0173, \u012fsigykite draudimo polis\u0105, \u012f kur\u012f nuotyki\u0173 sportas \u012ftrauktas standarti\u0161kai, arba \u012fsigykite papildom\u0105 sporto paslaug\u0173 versl\u0105.<\/p>\n<h2>Kiek kainuoja kelion\u0117s draudimas JK?<\/h2>\n<p>Kaina labai skiriasi, priklausomai nuo j\u016bs\u0173 am\u017eiaus, pilietyb\u0117s, kelion\u0117s trukm\u0117s, draudimo apsaugos lygio ir anks\u010diau buvusi\u0173 lig\u0173. Bendrosios rekomendacijos standartinei vienos savait\u0117s kelionei po Jungtin\u0119 Karalyst\u0119:<\/p>\n<table>\n<thead>\n<tr>\n<th>Apr\u0117pties lygis<\/th>\n<th>Apytiksl\u0117 kaina<\/th>\n<th>Geriausia<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Pagrindinis<\/td>\n<td>\u00a315-\u00a330<\/td>\n<td>Jauni, sveiki keliautojai, vykstantys \u012f trumpas keliones su minimaliu verting\u0173 daikt\u0173 kiekiu.<\/td>\n<\/tr>\n<tr>\n<td>Vidutin\u0117s klas\u0117s<\/td>\n<td>\u00a330-\u00a360<\/td>\n<td>Dauguma keliautoj\u0173 - geras draudimo apsaugos ir kainos santykis<\/td>\n<\/tr>\n<tr>\n<td>I\u0161samus<\/td>\n<td>\u00a360-\u00a3120+<\/td>\n<td>Vyresnio am\u017eiaus keliautojai, asmenys, turintys ankstesni\u0173 sveikatos sutrikim\u0173, arba brangi\u0173 kelioni\u0173 keliautojai.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Jei da\u017enai keliaujate, metin\u0117s keli\u0173 kelioni\u0173 draudimo sutartys yra ekonomi\u0161kesn\u0117s. Kadangi j\u016bs\u0173 <a href=\"https:\/\/etavisauk.org\/lt\/uk-eta-2026-rules-cost-2\/\">Jungtin\u0117s Karalyst\u0117s ETA galioja dvejus metus<\/a> jei planuojate kelet\u0105 apsilankym\u0173, gali b\u016bti tikslinga sudaryti metin\u0119 draudimo sutart\u012f.<\/p>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1200\" height=\"1600\" src=\"https:\/\/etavisauk.org\/wp-content\/uploads\/2026\/03\/b4_1068_2.jpg\" alt=\"JK kelioni\u0173 draudimas lankytojams: Ar jums jo reikia? - pirmosios pagalbos vaistin\u0117l\u0117 medicinos\" class=\"wp-image-1312\" \/><\/figure>\n<h2>Kada pirkti kelioni\u0173 draudim\u0105<\/h2>\n<p>Geriausias laikas \u012fsigyti kelioni\u0173 draudim\u0105 yra <strong>kai tik u\u017esisakysite kelion\u0119.<\/strong>. \u0160tai kod\u0117l:<\/p>\n<ul>\n<li>Draudimo apsauga nuo kelion\u0117s at\u0161aukimo prasideda nuo \u012fsigijimo datos - jei draudim\u0105 \u012fsigyjate likus keliems m\u0117nesiams iki kelion\u0117s, esate apdraustas, jei tuo metu d\u0117l koki\u0173 nors prie\u017eas\u010di\u0173 esate priverstas at\u0161aukti kelion\u0119.<\/li>\n<li>Sveikatos draudimas galioja tik kelion\u0117s metu, ta\u010diau, \u012fsigydami j\u012f i\u0161 anksto, galite b\u016bti ram\u016bs.<\/li>\n<li>Kainos paprastai nedid\u0117ja, kuo anks\u010diau perkate<\/li>\n<li>Kai kuriose draudimo sutartyse numatytas apsisprendimo laikotarpis (paprastai 14 dien\u0173), per kur\u012f galite nutraukti sutart\u012f ir atgauti vis\u0105 sumok\u0117t\u0105 sum\u0105.<\/li>\n<\/ul>\n<h2>Kaip pareik\u0161ti ie\u0161kin\u012f b\u016bnant Jungtin\u0117je Karalyst\u0117je<\/h2>\n<p>Jei kelion\u0117s metu kas nors nutiko, atlikite \u0161iuos veiksmus:<\/p>\n<ol>\n<li><strong>Nedelsiant susisiekite su savo draudiko pagalbos telefonu<\/strong> - numeris tur\u0117t\u0173 b\u016bti nurodytas poliso dokumentuose ir i\u0161saugotas telefone.<\/li>\n<li><strong>Gaukite policijos ataskait\u0105<\/strong> - apie vagyst\u0119 ar praradim\u0105 per 24 valandas prane\u0161kite policijai ir gaukite nusikaltimo registracijos numer\u012f.<\/li>\n<li><strong>Saugokite visas \u012fplaukas ir dokumentus<\/strong> - ligonin\u0117s s\u0105skaitos, recept\u0173 kvitai, atsargini\u0173 pirkini\u0173 kvitai, atid\u0117to skryd\u017eio patvirtinimas.<\/li>\n<li><strong>Visk\u0105 fotografuokite<\/strong> - sugadintas baga\u017eas, nelaiming\u0173 atsitikim\u0173 vietos, medicininiai dokumentai.<\/li>\n<li><strong>Nesuteikite leidimo brangiai kainuojan\u010diam gydymui, prie\u0161 tai nepaskambinus draudikui.<\/strong> - i\u0161skyrus atvejus, kai i\u0161 tikr\u0173j\u0173 kyla pavojus gyvybei.<\/li>\n<li><strong>Laikykit\u0117s draudiko nurodym\u0173<\/strong> - jie gali nukreipti jus \u012f konkre\u010dias ligonines ar klinikas.<\/li>\n<\/ol>\n<h2>Da\u017eniausiai pasitaikan\u010dios i\u0161imtys, \u012f kurias reikia atkreipti d\u0117mes\u012f<\/h2>\n<p>Kiekvienoje draudimo sutartyje yra i\u0161im\u010di\u0173. Da\u017eniausiai keliautojus u\u017eklumpa \u0161ios i\u0161imtys:<\/p>\n<ul>\n<li><strong>Su alkoholiu susij\u0119 incidentai<\/strong> - daugelis draudimo polis\u0173 neapima reikalavim\u0173, kylan\u010di\u0173 d\u0117l pernelyg didelio alkoholio vartojimo.<\/li>\n<li><strong>palikti daiktus be prie\u017ei\u016bros<\/strong> - jei paliksite rankin\u0119 ant k\u0117d\u0117s u\u017eeigoje ir ji bus pavogta, j\u016bs\u0173 ie\u0161kinys gali b\u016bti atmestas.<\/li>\n<li><strong>Keliavimas nesilaikant gydytojo rekomendacij\u0173<\/strong> - jei gydytojas liepia nekeliauti, o j\u016bs vis tiek vykstate, pretenzijos gali b\u016bti atmestos.<\/li>\n<li><strong>Kelion\u0117s \u012f vietoves, kuriose galioja vyriausyb\u0117s \u012fsp\u0117jimai<\/strong> - pasitikrinkite FCDO (U\u017esienio reikal\u0173, Sandraugos ir pl\u0117tros tarnybos) kelioni\u0173 patarimus.<\/li>\n<li><strong>Fizinis darbas arba u\u017eimtumas<\/strong> - ETA neleid\u017eia jums dirbti Jungtin\u0117je Karalyst\u0117je, o dauguma turist\u0173 draudimo polis\u0173 neapima su darbu susijusi\u0173 nelaiming\u0173 atsitikim\u0173.<\/li>\n<li><strong>Registruotame baga\u017ee palikti vertingi daiktai<\/strong> - elektronikos prietaisus, papuo\u0161alus ir svarbius dokumentus laikykite rankiniame baga\u017ee.<\/li>\n<\/ul>\n<h2>Ar reikia draudimo trumpalaikei kelionei?<\/h2>\n<p>Kelioni\u0173 draudim\u0105 verta apsidrausti net savaitgalio vizitui. Apsvarstykite \u0161iuos scenarijus:<\/p>\n<ul>\n<li>Penktadienio vakar\u0105 at\u0161aukus skryd\u012f, galite likti \u012fstrig\u0119 ir apsistoti vie\u0161butyje.<\/li>\n<li>D\u0117l i\u0161suktos kulk\u0161nies keliaujant po London\u0105 gali prireikti apsilankyti greitosios pagalbos ir skubios medicinos pagalbos centre (nemokamai) ir atlikti tolesn\u0119 fizioterapij\u0105 (lankytojams ji n\u0117ra nemokama).<\/li>\n<li>Perpildytoje metro stotyje ki\u0161envagis gali pagrobti j\u016bs\u0173 telefon\u0105, pinigin\u0119 ir korteles.<\/li>\n<li>Trumpojo nuotolio skryd\u017eio metu j\u016bs\u0173 baga\u017eas gali v\u0117luoti arba b\u016bti prarastas.<\/li>\n<\/ul>\n<p>Trumpos kelion\u0117s draudimo poliso kaina da\u017enai nevir\u0161ija 20 svar\u0173 sterling\u0173 - tai nedidel\u0117 kaina u\u017e ramyb\u0119.<\/p>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"1500\" src=\"https:\/\/etavisauk.org\/wp-content\/uploads\/2026\/03\/b4_1068_3.jpg\" alt=\"JK kelioni\u0173 draudimas lankytojams: Ar jums jo reikia? - Kelioni\u0173 saugumo planavimas ne\u0161iojamasis kompiuteris\" class=\"wp-image-1313\" \/><\/figure>\n<h2>Kelioni\u0173 draudimo kontrolinis s\u0105ra\u0161as<\/h2>\n<p>Prie\u0161 pirkdami per\u017ei\u016br\u0117kite \u0161\u012f kontrolin\u012f s\u0105ra\u0161\u0105:<\/p>\n<ul>\n<li>\u2610 Medicininis draudimas ne ma\u017eesnis kaip \u00a31,000,000<\/li>\n<li>\u2610 \u012eskai\u010diuota medicinin\u0117 repatriacija<\/li>\n<li>\u2610 Kelion\u0117s at\u0161aukimo ir sutrumpinimo draudimas, atitinkantis kelion\u0117s vert\u0119<\/li>\n<li>\u2610 Baga\u017eo ir asmenini\u0173 daikt\u0173 draudimas su atitinkamais vieneto limitais<\/li>\n<li>\u2610 Kelion\u0117s v\u0117lavimo ir praleisto i\u0161vykimo draudimas<\/li>\n<li>\u2610 Asmenin\u0117s civilin\u0117s atsakomyb\u0117s draudimas, ne ma\u017eesnis nei \u00a31,000,000<\/li>\n<li>\u2610 Visos anks\u010diau buvusios b\u016bkl\u0117s deklaruojamos ir padengiamos<\/li>\n<li>\u2610 Visos planuojamos veiklos (pa\u017eym\u0117kite nuotyki\u0173 sport\u0105)<\/li>\n<li>\u2610 J\u016bs\u0173 telefone i\u0161saugotas vis\u0105 par\u0105 veikian\u010dios skubios pagalbos linijos numeris<\/li>\n<li>\u2610 Politikos dokumentai, prieinami neprisijungus prie interneto (atsisi\u0173stas PDF failas)<\/li>\n<\/ul>\n<h2>Praktiniai patarimai keliautojams<\/h2>\n<ul>\n<li><strong>Telefono adresin\u0117je i\u0161saugokite savo draudiko pagalbos telefono numer\u012f<\/strong> - nenorite jo ie\u0161koti avariniu atveju.<\/li>\n<li><strong>Si\u0173skite sau el. pa\u0161tu savo poliso kopij\u0105<\/strong> - pasiekiama i\u0161 bet kurio \u012frenginio, turin\u010dio internet\u0105.<\/li>\n<li><strong>Tur\u0117kite su savimi Europos sveikatos draudimo kortel\u0119 \/ sveikatos draudimo liudijim\u0105<\/strong> jei esate ES pilietis - jis galioja kartu su kelion\u0117s draudimu.<\/li>\n<li><strong>Perskaitykite smulk\u0173 \u0161rift\u0105<\/strong> - vis\u0173 pirma fran\u0161iz\u0117s (i\u0161skaitos) suma ir kas lemia galiojan\u010di\u0105 pretenzij\u0105.<\/li>\n<li><strong>Lyginti politik\u0105<\/strong> - naudokit\u0117s palyginimo svetain\u0117mis, bet taip pat kreipkit\u0117s tiesiogiai \u012f draudikus, nes kai kurie si\u016blo geresnius tarifus perkant tiesiogiai.<\/li>\n<li><strong>Patikrinkite turim\u0105 draudimo apsaug\u0105<\/strong> - \u012f kai kurias kredito korteles ir banko s\u0105skaitas \u012ftrauktas kelioni\u0173 draudimas kaip privalumas. Prie\u0161 pasikliaudami draudimo apsauga, patikrinkite jos lyg\u012f.<\/li>\n<\/ul>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/etavisauk.org\/wp-content\/uploads\/2026\/03\/b4_1068_4.jpg\" alt=\"JK kelioni\u0173 draudimas lankytojams: Ar jums jo reikia? - sveikatos kortel\u0117 medicinos specialistas\" class=\"wp-image-1314\" srcset=\"https:\/\/etavisauk.org\/wp-content\/uploads\/2026\/03\/b4_1068_4.jpg 1200w, https:\/\/etavisauk.org\/wp-content\/uploads\/2026\/03\/b4_1068_4-300x200.jpg 300w, https:\/\/etavisauk.org\/wp-content\/uploads\/2026\/03\/b4_1068_4-1024x683.jpg 1024w, https:\/\/etavisauk.org\/wp-content\/uploads\/2026\/03\/b4_1068_4-768x512.jpg 768w, https:\/\/etavisauk.org\/wp-content\/uploads\/2026\/03\/b4_1068_4-18x12.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n<h2>Susij\u0119 vadovai<\/h2>\n<p>Daugiau informacijos apie pasirengim\u0105 kelionei \u012f JK rasite \u0161iuose \u0161altiniuose:<\/p>\n<ul>\n<li><a href=\"https:\/\/etavisauk.org\/lt\/uk-eta-2026-rules-cost-2\/\">I\u0161samus Jungtin\u0117s Karalyst\u0117s ETA 2026 vadovas<\/a><\/li>\n<li><a href=\"https:\/\/etavisauk.org\/lt\/uk-eta-application-guide\/\">Kaip pateikti parai\u0161k\u0105 d\u0117l Jungtin\u0117s Karalyst\u0117s ETA<\/a><\/li>\n<li><a href=\"https:\/\/etavisauk.org\/lt\/uk-border-control-customs-rules\/\">JK pasienio kontrol\u0117s ir muitin\u0117s vadovas<\/a><\/li>\n<li><a href=\"https:\/\/etavisauk.org\/lt\/uk-eta-requirements-2026-guide\/\">JK ETA reikalavimai 2026 m.<\/a><\/li>\n<\/ul>\n<h2>Da\u017enai u\u017eduodami klausimai<\/h2>\n<h3>Ar galiu nemokamai naudotis NHS kaip turistas?<\/h3>\n<p>Tik i\u0161 tikr\u0173j\u0173 skubios pagalbos A&amp;E atveju. Visos kitos NHS paslaugos, \u012fskaitant apsilankymus pas bendrosios praktikos gydytoj\u0105, hospitalizacij\u0105 ne skubios pagalbos atvejais ir tolesn\u0119 prie\u017ei\u016br\u0105, u\u017esienio sve\u010diams apmokestinamos 150% standartinio tarifo dyd\u017eiu.<\/p>\n<h3>Ar mano ESDK galios JK po \"Brexit\"?<\/h3>\n<p>Taip. ES i\u0161duotos ES EHIC ir GHIC kortel\u0117s galioja Jungtin\u0117je Karalyst\u0117je. Jos apima medicini\u0161kai b\u016btin\u0105 gydym\u0105 laikino buvimo metu. Ta\u010diau jos neapima repatriacijos, kelion\u0117s at\u0161aukimo ar vagyst\u0117s, tod\u0117l jums vis tiek reikia atskiro kelion\u0117s draudimo.<\/p>\n<h3>K\u0105 daryti, jei negaliu \u012fsigyti kelion\u0117s draudimo?<\/h3>\n<p>Pagrindiniai trump\u0173 kelioni\u0173 polisai gali kainuoti vos 10-20 svar\u0173 sterling\u0173. Tai kur kas pigiau nei viena NHS ligonin\u0117s s\u0105skaita, kuri gali siekti t\u016bkstan\u010dius. Jei biud\u017eetas ribotas, rekomenduojama rinktis pagrindin\u012f polis\u0105 su didele medicinine apsauga.<\/p>\n<h3>Ar kelion\u0117s draudimas apima COVID-19?<\/h3>\n<p>Daugumoje draudimo polis\u0173 COVID-19 draudimas yra standartin\u0117 draudimo apsauga. Patikrinkite, ar j\u016bs\u0173 polisas apima medicinin\u012f gydym\u0105, jei kelion\u0117s metu u\u017esikr\u0117stum\u0117te COVID, taip pat kelion\u0117s at\u0161aukim\u0105, jei prie\u0161 i\u0161vykstant b\u016bt\u0173 nustatytas teigiamas testas. Nuo 2026 m. Jungtin\u0117je Karalyst\u0117je netaikomi su COVID susij\u0119 \u012fva\u017eiavimo reikalavimai.<\/p>\n<h3>Turiu \u0161irdies lig\u0105. Ar vis dar galiu gauti kelion\u0117s draudim\u0105?<\/h3>\n<p>Taip. Privalote prane\u0161ti apie anks\u010diau buvusias s\u0105lygas, ir j\u016bs\u0173 \u012fmoka gali b\u016bti didesn\u0117. Specializuoti draudikai si\u016blo draudimo polisus, specialiai pritaikytus sveikatos sutrikim\u0173 turintiems keliautojams. Svarbiausia yra i\u0161samiai atskleisti informacij\u0105 parai\u0161kos teikimo metu.<\/p>","protected":false},"excerpt":{"rendered":"<p>Travel Insurance for UK Visitors: Everything You Need to Know One of the most common questions visitors ask before travelling to the United Kingdom is whether they need travel insurance. The short answer: it is not legally required, but it is strongly recommended. Medical treatment, trip cancellations, and lost luggage can cost thousands of pounds, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1310,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"UK travel insurance visitors","_yoast_wpseo_title":"UK Travel Insurance for Visitors: Do You Need It? 2026 Guide","_yoast_wpseo_metadesc":"Do you need travel insurance for the UK? Not required but strongly recommended. Learn about NHS access, EHIC, coverage tips, and costs.","footnotes":""},"categories":[6,8],"tags":[],"class_list":["post-1068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-safety-and-regulations","category-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>UK Travel Insurance for Visitors: Do You Need It? 2026 Guide<\/title>\n<meta name=\"description\" content=\"Do you need travel insurance for the UK? Not required but strongly recommended. 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