{"id":5180,"date":"2022-02-26T21:13:29","date_gmt":"2022-02-26T20:13:29","guid":{"rendered":"http:\/\/expateuropa.com\/pojisteni-v-belgii\/"},"modified":"2024-08-03T12:24:03","modified_gmt":"2024-08-03T10:24:03","slug":"pojisteni-v-belgii","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/cs\/pojisteni-v-belgii\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed v Belgii"},"content":{"rendered":"<p>Poji\u0161t\u011bn\u00ed v Belgii v\u00e1m poskytuje pot\u0159ebnou ochranu proti p\u0159\u00edpadn\u00fdm finan\u010dn\u00edm ztr\u00e1t\u00e1m v p\u0159\u00edpad\u011b, \u017ee se v\u00e1m n\u011bco stane. V tuto chv\u00edli pravd\u011bpodobn\u011b zatou\u017e\u00edte <a href=\"https:\/\/visit.brussels\/en\">nav\u0161t\u00edvit m\u011bsta Brusel, Antverpy nebo Gent,<\/a> kter\u00fdmi je Belgie zn\u00e1m\u00e1. Mo\u017en\u00e1 u\u017e \u017eijete v jednom z t\u011bchto kr\u00e1sn\u00fdch belgick\u00fdch m\u011bst a jedin\u00e9, co v\u00e1m chyb\u00ed, je spolehliv\u00e9 poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1m zajist\u00ed kryt\u00ed ka\u017ed\u00fd den, v\u017edy a kdekoli.<\/p>\n<h2>N\u011bco m\u00e1lo o podm\u00ednk\u00e1ch poji\u0161t\u011bn\u00ed v Belgii<\/h2>\n<p>V Belgii je poji\u0161t\u011bn\u00ed voliteln\u00e9 i povinn\u00e9, v\u010detn\u011b \u017eivotn\u00edho, zdravotn\u00edho a autopoji\u0161t\u011bn\u00ed. \u00da\u0159ad pro finan\u010dn\u00ed slu\u017eby a trhy reguluje pojistn\u00fd trh v zemi. Poji\u0161t\u011bn\u00ed v Belgii vy\u017eaduje z\u00e1kon, v\u010detn\u011b zdravotn\u00edho poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed v nezam\u011bstnanosti a poji\u0161t\u011bn\u00ed auta. Ostatn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e1 jsou voliteln\u00e1, v\u0161ak zahrnuj\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti, \u017eivota, cestov\u00e1n\u00ed, dom\u00e1c\u00edho mazl\u00ed\u010dka, pr\u00e1vn\u00ed poji\u0161t\u011bn\u00ed, poji\u0161t\u011bn\u00ed osob samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00fdch a tak\u00e9 poji\u0161t\u011bn\u00ed rodinn\u00e9 a osobn\u00ed odpov\u011bdnosti.<\/p>\n<h2>Povinn\u00e9 poji\u0161t\u011bn\u00ed v Belgii<\/h2>\n<p>Je opravdu dobr\u00fd n\u00e1pad m\u00edt p\u0159ehled o tom, kter\u00e1 poji\u0161t\u011bn\u00ed jsou v Belgii nutnost\u00ed a kter\u00e1 jsou voliteln\u00e1. V\u017edy plat\u00ed, \u017ee neznalost opravdu neomlouv\u00e1, a proto tento seznam slou\u017e\u00ed pouze k tomu, aby v\u00e1m poskytl p\u0159edstavu, kde p\u0159esn\u011b za\u010d\u00edt. Povinn\u00e1 poji\u0161t\u011bn\u00ed v Belgii jsou n\u00e1sleduj\u00edc\u00ed;<\/p>\n<h2>Zdravotn\u00ed poji\u0161t\u011bn\u00ed v Belgii<\/h2>\n<p>Mysleli jste si, \u017ee zdravotn\u00ed p\u00e9\u010de v Belgii je bezplatn\u00e1? Ne, nen\u00ed to tak, jak je to dotov\u00e1no, a obyvatel\u00e9 maj\u00ed mo\u017enost zvolit si soukrom\u00e9 pojistky, aby si je mohli doplnit st\u00e1tn\u00edmi. Proto je pro ka\u017ed\u00e9ho jednotlivce povinn\u00e9 vstoupit do akreditovan\u00e9 zdravotn\u00ed poji\u0161\u0165ovny.<\/p>\n<p>Kdy\u017e \u010dlov\u011bk pot\u0159ebuje zdravotn\u00ed poji\u0161t\u011bn\u00ed, plat\u00ed se \u010dlensk\u00fd poplatek, ozna\u010dovan\u00fd tak\u00e9 jako lidgeld, a stoj\u00ed od <a href=\"https:\/\/www.internationalstudentinsurance.com\/belgium-student-insurance\/health-insurance-in-belgium.php\">49 eur do asi 180 eur ro\u010dn\u011b<\/a> . Mezi osoby, kter\u00e9 maj\u00ed ve\u0159ejn\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed, pat\u0159\u00ed zam\u011bstnanci, man\u017eel\u00e9\/man\u017eelky, d\u011bti, studenti, obyvatel\u00e9 mimo EU, kr\u00e1tkodob\u00ed n\u00e1v\u0161t\u011bvn\u00edci, nezam\u011bstnan\u00ed a d\u016fchodci. Pokr\u00fdv\u00e1 tak\u00e9 50 % klinik, l\u00e9ka\u0159\u016f a n\u00e1v\u0161t\u011bv v nemocnic\u00edch, zubn\u00ed p\u00e9\u010di, 20 % n\u00e1klad\u016f na p\u0159edpis a porodn\u00ed p\u00e9\u010di.<\/p>\n<h2>Poji\u0161t\u011bn\u00ed v nezam\u011bstnanosti<\/h2>\n<p>Poji\u0161t\u011bn\u00ed v nezam\u011bstnanosti je p\u0159\u00edsp\u011bvkov\u00fd a povinn\u00fd syst\u00e9m. Je financov\u00e1na ze <a href=\"https:\/\/www.internationalstudentinsurance.com\/belgium-student-insurance\/health-insurance-in-belgium.php\">soci\u00e1ln\u00edch p\u0159\u00edsp\u011bvk\u016f<\/a> , zat\u00edmco pravidla, jimi\u017e se \u0159\u00edd\u00ed, definuje vl\u00e1da a z\u00e1konod\u00e1rce pot\u00e9, co obdr\u017e\u00ed konzultativn\u00ed stanovisko soci\u00e1ln\u00edch partner\u016f.<\/p>\n<p>Pro z\u00edsk\u00e1n\u00ed v\u00fdhody je t\u0159eba splnit n\u011bkter\u00e9 z podm\u00ednek:<\/p>\n<ul>\n<li>Odpracovali minim\u00e1ln\u011b 312 a 624 dn\u00ed v z\u00e1vislosti na v\u011bku jednotlivce s 21 a\u017e 42 m\u011bs\u00edci.<\/li>\n<li>Ztratili jste pr\u00e1ci na pln\u00fd \u00favazek a byli jste p\u0159ipraveni o v\u00fdd\u011blek, proto\u017ee okolnosti jsou mimo va\u0161i kontrolu<\/li>\n<li>Aktivn\u011b si hledejte pr\u00e1ci a spolupracujte na vzd\u011bl\u00e1vac\u00edch a podp\u016frn\u00fdch \u010dinnostech poskytovan\u00fdch slu\u017ebou zam\u011bstnanosti.<\/li>\n<li>B\u00fdt registrov\u00e1n jako uchaze\u010d o zam\u011bstn\u00e1n\u00ed ve slu\u017eb\u00e1ch jako VDAB, Actiris a FOREM<\/li>\n<li>M\u00edt hlavn\u00ed bydli\u0161t\u011b v Belgii<\/li>\n<li>B\u00fdt mlad\u0161\u00ed 65 let, co\u017e je v\u011bk odchodu do d\u016fchodu<\/li>\n<\/ul>\n<p>V r\u00e1mci poji\u0161t\u011bn\u00ed v nezam\u011bstnanosti existuje i re\u017eim v nezam\u011bstnanosti s RCC (firemn\u00ed dodatek). Umo\u017e\u0148uje star\u00fdm zam\u011bstnanc\u016fm z\u00edskat dopl\u0148kov\u00fd p\u0159\u00edsp\u011bvek a podporu v nezam\u011bstnanosti. Mus\u00ed v\u0161ak b\u00fdt spln\u011bny n\u00e1sleduj\u00edc\u00ed podm\u00ednky:<\/p>\n<ul>\n<li>Byly propu\u0161t\u011bny<\/li>\n<li>Z\u00edskejte podporu v nezam\u011bstnanosti<\/li>\n<li>St\u00e1hl se z trhu pr\u00e1ce<\/li>\n<\/ul>\n<h2>Poji\u0161t\u011bn\u00ed auta<\/h2>\n<p>Poji\u0161t\u011bn\u00ed t\u0159et\u00ed strany je povinn\u00e9 pro ka\u017ed\u00e9ho majitele motoru v Belgii. Auto je poji\u0161t\u011bn\u00e9, to znamen\u00e1, \u017ee poji\u0161t\u011bn\u00e9 auto m\u016f\u017ee \u0159\u00eddit ka\u017ed\u00e1 osoba, kter\u00e1 m\u00e1 \u0159idi\u010dsk\u00e9 opr\u00e1vn\u011bn\u00ed. Mezi r\u016fzn\u00e9 druhy poji\u0161t\u011bn\u00ed vozidel pat\u0159\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu zp\u016fsobenou provozem vozidla nebo Wettelijke Aansprakelijkheidsverzekering, \u010d\u00e1ste\u010dn\u00e9 komplexn\u00ed nebo mini havarijn\u00ed poji\u0161t\u011bn\u00ed a \u00fapln\u00e9 komplexn\u00ed nebo <a href=\"https:\/\/www.expatica.com\/be\/finance\/insurance\/guide-to-car-insurance-in-belgium-100180\/\">maxi havarijn\u00ed<\/a> poji\u0161t\u011bn\u00ed.<\/p>\n<p>V n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee b\u00fdt poji\u0161t\u011bn\u00ed automobilu v zemi n\u00e1kladn\u00e9, proto\u017ee obvykle podl\u00e9h\u00e1 dani z p\u0159idan\u00e9 hodnoty. Nejlevn\u011bj\u0161\u00ed je povinn\u00e9 ru\u010den\u00ed, naopak to nejdra\u017e\u0161\u00ed je pln\u011b komplexn\u00ed. Krom\u011b toho z\u00e1vis\u00ed cena poji\u0161t\u011bn\u00ed automobilu na n\u00e1sleduj\u00edc\u00edch faktorech:<\/p>\n<ul>\n<li>St\u00e1\u0159\u00ed a hodnota vozidla<\/li>\n<li>Profil \u0159idi\u010de (\u0159idi\u010d\u016f) v\u010detn\u011b zdrav\u00ed, historie \u0159\u00edzen\u00ed a v\u011bku<\/li>\n<li>Mno\u017estv\u00ed proveden\u00e9 j\u00edzdy<\/li>\n<li>V\u0161ichni uveden\u00ed \u0159idi\u010di vozu<\/li>\n<\/ul>\n<h2>Voliteln\u00e1 poji\u0161t\u011bn\u00ed v Belgii<\/h2>\n<h3>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/h3>\n<p>V Belgii se poji\u0161t\u011bn\u00ed dom\u00e1cnosti vztahuje tak\u00e9 na poji\u0161t\u011bn\u00ed n\u00e1jmu a poji\u0161t\u011bn\u00ed proti po\u017e\u00e1ru. Poji\u0161t\u011bn\u00ed v t\u00e9to form\u011b zahrnuje poji\u0161t\u011bn\u00ed vlastn\u00edk\u016f dom\u016f a n\u00e1jemn\u00edk\u016f. Poji\u0161t\u011bn\u00ed majitele domu poji\u0161\u0165uje budovu proti \u0161kod\u00e1m, v\u010detn\u011b vich\u0159ice nebo po\u017e\u00e1ru, poji\u0161t\u011bn\u00ed n\u00e1jemn\u00edk\u016f je poji\u0161t\u011bn\u00edm proti \u0161kod\u00e1m na majetku v d\u016fsledku pronajat\u00e9ho ubytov\u00e1n\u00ed.<\/p>\n<h2>\u017divotn\u00ed pojistka<\/h2>\n<p>Hlavn\u00edm c\u00edlem sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je chr\u00e1nit sv\u00e9 bl\u00edzk\u00e9 p\u0159ed finan\u010dn\u00edmi d\u016fsledky v p\u0159\u00edpad\u011b, \u017ee n\u011bkdo zem\u0159e. Je odpov\u011bdnost\u00ed jednotlivce rozhodnout o \u010d\u00e1stce, kterou chce pojistit, a jednotlivci, kte\u0159\u00ed \u010d\u00e1stku dostanou po smrti. Ka\u017ed\u00e1 rodina si projde t\u011b\u017ek\u00fdmi \u010dasy v p\u0159\u00edpad\u011b, \u017ee n\u011bkdo zem\u0159e, a m\u016f\u017ee pro ni b\u00fdt obt\u00ed\u017en\u00e9 \u0159e\u0161it finan\u010dn\u00ed probl\u00e9my. Poji\u0161t\u011bn\u00ed tak nab\u00edz\u00ed finan\u010dn\u00ed podporu p\u0159i ochran\u011b budouc\u00ed rodiny i kvality \u017eivota.<\/p>\n<h2>Cestovn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n<p>V\u011bt\u0161ina lid\u00ed v Belgii obvykle p\u0159edpokl\u00e1d\u00e1, \u017ee belgick\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed a zdravotn\u00ed poji\u0161t\u011bn\u00ed EU poskytuj\u00ed pln\u00e9 pokryt\u00ed, kdy\u017e cestuj\u00ed do zahrani\u010d\u00ed. Bohu\u017eel to nen\u00ed pravda a je d\u016fle\u017eit\u00e9, aby si \u010dlov\u011bk sjednal soukrom\u00e9 cestovn\u00ed poji\u0161t\u011bn\u00ed. D\u016fvodem je to, \u017ee m\u016f\u017ee \u010dlov\u011bku umo\u017enit z\u00edskat pomoc p\u0159i cestov\u00e1n\u00ed po zbytku sv\u011bta a dokonce b\u00fdt v bezpe\u010d\u00ed v Belgii a Evrop\u011b.<\/p>\n<h2>Poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f<\/h2>\n<p>V Belgii stoj\u00ed poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch zv\u00ed\u0159at majitele zv\u00ed\u0159at asi 20 a\u017e 60 USD m\u011bs\u00ed\u010dn\u011b nebo 240 a\u017e 720 USD ro\u010dn\u011b. V\u011bt\u0161ina majitel\u016f dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f m\u00e1 tak\u00e9 probl\u00e9my s klouby a ky\u010dlemi, proto\u017ee <a href=\"https:\/\/www.petassure.com\/education\/dog-breeds\/belgian_tervuren-pet-insurance\/\">dysplazie ky\u010dle a lokte<\/a> je genetick\u00e9 onemocn\u011bn\u00ed. I kdy\u017e m\u00e1 \u010dlov\u011bk dost pen\u011bz na pokryt\u00ed veterin\u00e1rn\u00edch n\u00e1klad\u016f, poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch zv\u00ed\u0159at je \u017eivotn\u011b d\u016fle\u017eit\u00e9, proto\u017ee majitel\u016fm zv\u00ed\u0159at u\u0161et\u0159\u00ed spoustu pen\u011bz v p\u0159\u00edpad\u011b, \u017ee se zv\u00ed\u0159ata zran\u00ed nebo onemocn\u00ed.<\/p>\n<h2>Z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed<\/h2>\n<p>Od <sup>1.<\/sup> z\u00e1\u0159\u00ed 2019 poskytl belgick\u00fd z\u00e1konod\u00e1rce p\u0159edplatitel\u016fm soukromopr\u00e1vn\u00ed ochranu za n\u011bkter\u00fdch podm\u00ednek t\u00edm, \u017ee vyu\u017eili p\u0159ibli\u017en\u011b 40% sn\u00ed\u017een\u00ed dan\u011b. Tento typ poji\u0161t\u011bn\u00ed pom\u00e1h\u00e1 spole\u010dnostem i jednotlivc\u016fm stejn\u00fdm zp\u016fsobem hradit n\u00e1klady na obhajobu jejich pr\u00e1v nebo pr\u00e1vn\u00ed kroky v p\u0159\u00edpad\u011b sporu s jin\u00fdm. Druh n\u00e1klad\u016f, kter\u00e9 poji\u0161t\u011bn\u00ed zahrnuje, zahrnuje motorov\u00e9, osobn\u00ed a komer\u010dn\u00ed.<\/p>\n<h2>Poji\u0161t\u011bn\u00ed osob samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00fdch<\/h2>\n<p>Stejn\u011b jako ostatn\u00ed zam\u011bstnanci maj\u00ed i osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 n\u00e1rok na ur\u010ditou z\u00e1kladn\u00ed soci\u00e1ln\u00ed ochranu. P\u0159\u00edsp\u011bvky se obvykle odv\u00edjej\u00ed od jejich p\u0159\u00edjmu a mezi v\u00fdhody pat\u0159\u00ed d\u016fchod, Droit passerelle, p\u0159\u00eddavky na d\u011bti a <a href=\"https:\/\/www.belgium.be\/en\/economy\/business\/creation\/becoming_self_employed\/social_security_scheme_self_employed_persons\">zdravotn\u00ed a invalidn\u00ed poji\u0161t\u011bn\u00ed<\/a> .<\/p>\n<h3>Poji\u0161t\u011bn\u00ed rodinn\u00e9 nebo osobn\u00ed odpov\u011bdnosti<\/h3>\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu kryje p\u0159edev\u0161\u00edm fyzickou \u00fajmu nebo \u0161kodu na majetku, kterou ne\u00famysln\u011b zp\u016fsob\u00edte jin\u00e9 osob\u011b b\u011bhem sv\u00e9ho soukrom\u00e9ho \u017eivota. Poji\u0161t\u011bn\u00ed se vztahuje na nemateri\u00e1ln\u00ed, v\u011bcn\u00e9 a <a href=\"https:\/\/admin.kuleuven.be\/sab\/vz\/en\/liability-private-students#:~:text=Personal%20liability%20insurance%2C%20also%20called,else%20sustains%20a%20physical%20injury.\">fyzick\u00e9 \u0161kody<\/a> . Z\u00e1sady tak\u00e9 zahrnuj\u00ed kryt\u00ed pr\u00e1vn\u00ed pomoci.<\/p>\n<h2>Obl\u00edben\u00e9 poji\u0161\u0165ovac\u00ed spole\u010dnosti v Belgii<\/h2>\n<p>Mezi n\u011bkter\u00e9 poji\u0161\u0165ovac\u00ed spole\u010dnosti v Belgii, kter\u00fdm m\u016f\u017eete v\u017edy d\u016fv\u011b\u0159ovat, pat\u0159\u00ed;<\/p>\n<ol>\n<li>AG poji\u0161t\u011bn\u00ed<\/li>\n<li>AXA<\/li>\n<li>Ethias<\/li>\n<li>KBC<\/li>\n<li>Baloise<\/li>\n<li>P&amp;V z\u00e1ruky<\/li>\n<li>Athora Assurance<\/li>\n<li>Fidea<\/li>\n<li>Allianz<\/li>\n<li>NN<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed v Belgii v\u00e1m poskytuje pot\u0159ebnou ochranu proti p\u0159\u00edpadn\u00fdm finan\u010dn\u00edm ztr\u00e1t\u00e1m v p\u0159\u00edpad\u011b, \u017ee se&#8230;<\/p>\n","protected":false},"author":5,"featured_media":3635,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1019],"tags":[604,1022,606,611,801,803,605],"class_list":["post-5180","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-belgie","tag-pojisteni-auta","tag-pojisteni-belgie","tag-pojisteni-domacnosti","tag-pojisteni-majetku","tag-pojisteni-v-nezamestnanosti","tag-pojistovny","tag-zdravotni-pojisteni","wpcat-1019-id"],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/posts\/5180","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/comments?post=5180"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/posts\/5180\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/media\/3635"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/media?parent=5180"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/categories?post=5180"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/tags?post=5180"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}