{"id":83714,"date":"2025-12-19T10:00:01","date_gmt":"2025-12-19T09:00:01","guid":{"rendered":"https:\/\/4000mil.se\/?p=83714"},"modified":"2025-12-20T10:15:52","modified_gmt":"2025-12-20T09:15:52","slug":"galler-forsakringen-om-ud-avrader-till-ett-resmal","status":"publish","type":"post","link":"https:\/\/4000mil.se\/index.php\/galler-forsakringen-om-ud-avrader-till-ett-resmal\/","title":{"rendered":"G\u00e4ller f\u00f6rs\u00e4kringen om UD avr\u00e5der till ett resm\u00e5l?"},"content":{"rendered":"\n

I s\u00f6ndags skrev jag ett inl\u00e4gg om UD\u00b4s senaste avr\u00e5dan till de delar av Thailand som ligger mindre \u00e4n 5 mil fr\u00e5n gr\u00e4nsen till Kambodja.<\/p>\n\n\n\n

L\u00e4s ocks\u00e5: <\/strong>Reseavr\u00e5dan till Thailand \u2013 hur blir det med v\u00e5r resa nu?<\/a><\/p>\n\n\n\n

Jag fick in v\u00e4ldigt m\u00e5nga spridda kommentarer, h\u00e4r p\u00e5 4000mil i kommentrasf\u00e4ltet, men framf\u00f6r allt p\u00e5 Facebook. V\u00e4ldigt m\u00e5nga som kommenterade hade inte l\u00e4st mitt inl\u00e4gg, s\u00e5 det blev n\u00e4sta lite absurt emellan\u00e5t.
Det blev ocks\u00e5 r\u00e4tt tydligt att alla inte har koll p\u00e5 de f\u00f6rs\u00e4kringsm\u00e4ssiga reglerna vid en avr\u00e5dan.<\/p>\n\n\n\n

S\u00e5 idag kommer en uppdatering p\u00e5 vilken effekt en avr\u00e5dan har p\u00e5 din resef\u00f6rs\u00e4kring.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Hur g\u00e4ller din hemf\u00f6rs\u00e4kring p\u00e5 resa i vanliga fall?<\/h2>\n\n\n\n

Var och en m\u00e5ste f\u00f6rst\u00e5s kolla villkoren p\u00e5 sin egen f\u00f6rs\u00e4kring, men det normala \u00e4r att det i hemf\u00f6rs\u00e4kringen ing\u00e5r en resef\u00f6rs\u00e4kringsdel. <\/p>\n\n\n\n

I denna resef\u00f6rs\u00e4kring ing\u00e5r sjukv\u00e5rd och hemtransport om sjukdom eller olycka intr\u00e4ffar utomlands. Denna f\u00f6rs\u00e4kring g\u00e4ller f\u00f6r resor upp till 45 dagar. Om man \u00e4r borta l\u00e4ngre m\u00e5ste man teckna en separat f\u00f6rs\u00e4kring. Samma om man ska g\u00f6ra n\u00e5got \u00e4ventyrligt, som att kl\u00e4ttra eller hoppa fallsk\u00e4rm. D\u00e5 kr\u00e4vs ocks\u00e5 en till\u00e4ggsf\u00f6rs\u00e4kring.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Vad g\u00e4ller om UD avr\u00e5der fr\u00e5n ett resm\u00e5l du har bokat?<\/h2>\n\n\n\n

Detta var det l\u00e4ge vi pl\u00f6tsligt befann oss i, i fredags. Att Koh Kood och Koh Mak, som vi bokat fr\u00e5n ny\u00e5r, nu avr\u00e5ddes fr\u00e5n av UD. <\/p>\n\n\n\n

I detta fall g\u00e4ller normalt inte hemf\u00f6rs\u00e4kringen om man \u00e4nd\u00e5 v\u00e4ljer att \u00e5ka. Om man blir sjuk eller r\u00e5kar ut f\u00f6r en olycka p\u00e5 resm\u00e5let, f\u00e5r man st\u00e5 f\u00f6r alla kostnader sj\u00e4lv. Sjukv\u00e5rd och eventuellt hemtransport. Detta kan f\u00f6rst\u00e5s bli extremt dyrt. Ett ambulansflyg hem fr\u00e5n Thailand kan tex g\u00e5 p\u00e5 1 miljon kronor. Tillr\u00e4ckligt mycket f\u00f6r att f\u00e5 en privatekonomi att haverera.<\/p>\n\n\n\n

Jag vet ocks\u00e5 sj\u00e4lv av egen erfarenhet att sjukhus utomlands inte opererar innan de har en garanti p\u00e5 att betalningen kommer in.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Vad g\u00e4ller om UD pl\u00f6tsligt avr\u00e5der fr\u00e5n en destination som du redan befinner dig p\u00e5?<\/h2>\n\n\n\n

Om man redan \u00e4r p\u00e5 plats forts\u00e4tter resef\u00f6rs\u00e4kringen att g\u00e4lla. Dessutom kan man f\u00e5 ers\u00e4ttning f\u00f6r evakueringskostnader f\u00f6r att ta sig hem. D\u00e4remot inte f\u00f6r att ta sig vidare p\u00e5 resa.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Kan man f\u00e5 tillbaka pengarna f\u00f6r en planerad resa om UD pl\u00f6tsligt avr\u00e5der?<\/h2>\n\n\n\n

Du kan f\u00e5 tillbaka pengarna om paketreselagen g\u00e4ller, det vill s\u00e4ga om du k\u00f6pt hela resan som ett paket via en resebyr\u00e5 eller dylikt.<\/p>\n\n\n\n

Om du k\u00f6pt resan sj\u00e4lv i olika delar g\u00e4ller inte paketreselagen och du kan inte f\u00e5 tillbaka n\u00e5gra pengar. Detta \u00e4r den risk man allts\u00e5 st\u00e5r som ”independent traveller”, dvs den grupp resen\u00e4rer som vi sj\u00e4lva tillh\u00f6r. N\u00e4r skiten tr\u00e4ffar fl\u00e4kten, st\u00e5r man ensam.<\/p>\n\n\n\n

D\u00e4remot kan man f\u00f6rst\u00e5s alltid h\u00f6ra av sig till flygbolag och hotell och kolla l\u00e4get. Kanske \u00e4r de gener\u00f6sa och betalar tillbaka?<\/p>\n\n\n\n

F\u00f6r den oberoende resen\u00e4rer finns dock m\u00f6jlighet att i f\u00f6rv\u00e4g teckna en till\u00e4ggsf\u00f6rs\u00e4kring som t\u00e4cker den h\u00e4r typen av h\u00e4ndelser.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

<\/p>\n\n\n\n

F\u00f6rs\u00e4kringsbolagens villkor varierar, det \u00e4r alltid viktigt att kolla sin egen f\u00f6rs\u00e4kring vad som g\u00e4ller f\u00f6r den.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Missa inga inl\u00e4gg. Gl\u00f6m inte att\u00a0f\u00f6lja 4000mil p\u00e5 Facebook<\/a>\u00a0och\u00a0p\u00e5 Instagram<\/a>.<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

I s\u00f6ndags skrev jag ett inl\u00e4gg om UD\u00b4s senaste avr\u00e5dan till de delar av Thailand som ligger mindre \u00e4n 5 mil fr\u00e5n gr\u00e4nsen till Kambodja. L\u00e4s ocks\u00e5: Reseavr\u00e5dan till Thailand \u2013 hur blir det med v\u00e5r resa nu? Jag fick in v\u00e4ldigt m\u00e5nga spridda kommentarer, h\u00e4r p\u00e5 4000mil i kommentrasf\u00e4ltet, […]<\/p>\n","protected":false},"author":3,"featured_media":9819,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[203],"tags":[],"class_list":["post-83714","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ovriga-resor"],"yoast_head":"\nG\u00e4ller f\u00f6rs\u00e4kringen om UD avr\u00e5der till ett resm\u00e5l?<\/title>\n<meta name=\"description\" content=\"I s\u00f6ndags skrev jag ett inl\u00e4gg om UD\u00b4s senaste avr\u00e5dan till de delar av Thailand som ligger mindre \u00e4n 5 mil fr\u00e5n gr\u00e4nsen till Kambodja. L\u00e4s ocks\u00e5:\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/4000mil.se\/index.php\/galler-forsakringen-om-ud-avrader-till-ett-resmal\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"G\u00e4ller f\u00f6rs\u00e4kringen om UD avr\u00e5der till ett resm\u00e5l?\" \/>\n<meta property=\"og:description\" content=\"I s\u00f6ndags skrev jag ett inl\u00e4gg om UD\u00b4s senaste avr\u00e5dan till de delar av Thailand som ligger mindre \u00e4n 5 mil fr\u00e5n gr\u00e4nsen till Kambodja. 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