{"id":5636,"date":"2022-03-19T23:18:28","date_gmt":"2022-03-19T22:18:28","guid":{"rendered":"http:\/\/expateuropa.com\/pojisteni-v-irsku\/"},"modified":"2022-03-19T23:18:28","modified_gmt":"2022-03-19T22:18:28","slug":"pojisteni-v-irsku","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/cs\/pojisteni-v-irsku\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed v Irsku"},"content":{"rendered":"<p>Poji\u0161t\u011bn\u00ed v Irsku je pravd\u011bpodobn\u011b jednou z nejd\u016fle\u017eit\u011bj\u0161\u00edch v\u011bc\u00ed, na kterou by m\u011bl myslet ka\u017ed\u00fd, kdo se pl\u00e1nuje p\u0159est\u011bhovat do zem\u011b. Bohu\u017eel v\u011bt\u0161ina lid\u00ed by rad\u011bji uva\u017eovala o pl\u00e1nov\u00e1n\u00ed n\u00e1v\u0161t\u011bvy atraktivn\u00edch m\u00edst v zemi, ani\u017e by se zamyslela nad svou bezpe\u010dnost\u00ed. Jen si polo\u017ete ot\u00e1zku \u201eco kdy\u017e se n\u011bco pokaz\u00ed a nezbude mi nic jin\u00e9ho, ne\u017e pou\u017e\u00edt pen\u00edze\u201c. Odpov\u011b\u010f na tuto ot\u00e1zku v\u00e1m pravd\u011bpodobn\u011b poskytne dostatek d\u016fvod\u016f, abyste sp\u011bchali a uzav\u0159eli poji\u0161t\u011bn\u00ed. Pojistn\u00e9 kryt\u00ed neznamen\u00e1, \u017ee si p\u0159ivol\u00e1v\u00e1te ne\u0161t\u011bst\u00ed, ale sp\u00ed\u0161e poskytuje n\u00e1skok, pokud se v\u011bci zvrtnou.<\/p>\n<p>N\u00e1kup jak\u00e9hokoli druhu poji\u0161t\u011bn\u00ed v Irsku znamen\u00e1 lep\u0161\u00ed finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed. Krom\u011b toho, n\u00e1kup poji\u0161t\u011bn\u00ed d\u0159\u00edve znamen\u00e1, \u017ee \u010dlov\u011bk m\u016f\u017ee z\u00edskat dobr\u00fd finan\u010dn\u00ed smysl. Neo\u010dek\u00e1van\u00e9 v\u011bci se st\u00e1vaj\u00ed bez varov\u00e1n\u00ed, v\u010detn\u011b onemocn\u011bn\u00ed, nehod nebo p\u0159\u00edrodn\u00edch katastrof. Poji\u0161t\u011bn\u00ed je proto d\u016fle\u017eit\u00e9, proto\u017ee p\u0159in\u00e1\u0161\u00ed m\u00e9n\u011b starost\u00ed v p\u0159\u00edpad\u011b katastrofy a hraje roli v tom, \u017ee pom\u00e1h\u00e1 posti\u017een\u00fdm rychleji se uzdravit.<\/p>\n<h2>Zdravotn\u00ed poji\u0161t\u011bn\u00ed Irsko<\/h2>\n<p>Na rozd\u00edl od <a href=\"https:\/\/expateuropa.com\/cs\/pojisteni-v-nemecku\/\">N\u011bmecka<\/a> a <a href=\"https:\/\/expateuropa.com\/cs\/pojisteni-v-cr\/\">\u010cesk\u00e9 republiky<\/a> je zdravotn\u00ed poji\u0161t\u011bn\u00ed v Irsku jedine\u010dn\u00e9. Ka\u017ed\u00fd jednotlivec, kter\u00fd \u017eije v Irsku po dobu p\u0159ibli\u017en\u011b 1 roku, je Health Service Executive (HSE) pova\u017eov\u00e1n za rezidenta. Takov\u00ed lid\u00e9 tedy mohou z\u00edskat plnou zp\u016fsobilost (kategorie 1) nebo omezen\u00e1 zp\u016fsobilost (kategorie 2) pro zdravotn\u00ed slu\u017eby. Kategorie 1 pokr\u00fdv\u00e1 asi 30 % obyvatel Irska, kte\u0159\u00ed maj\u00ed zdravotn\u00ed karty. Karty d\u00e1vaj\u00ed lidem \u0161anci z\u00edskat zdarma r\u016fzn\u00e9 l\u00e9ky a zdravotn\u00ed slu\u017eby.<\/p>\n<p>Lid\u00e9 s l\u00e9ka\u0159skou kartou mohou zdarma z\u00edskat:<\/p>\n<ul>\n<li>Komunitn\u00ed p\u00e9\u010de i osobn\u00ed soci\u00e1ln\u00ed slu\u017eby<\/li>\n<li>Slu\u017eba praktick\u00e9ho l\u00e9ka\u0159e<\/li>\n<li>Slu\u017eby ve\u0159ejn\u00e9 nemocnice<\/li>\n<li>P\u0159edepsan\u00e9 l\u00e9ky a l\u00e9ky<\/li>\n<li>Slu\u017eby p\u00e9\u010de o mate\u0159stv\u00ed a kojence<\/li>\n<li>Specifick\u00e9 sluchov\u00e9, optick\u00e9 a stomatologick\u00e9 slu\u017eby<\/li>\n<\/ul>\n<p>Lid\u00e9 bez l\u00e9ka\u0159sk\u00e9ho pr\u016fkazu mohou st\u00e1le z\u00edskat nemocni\u010dn\u00ed a komunitn\u00ed zdravotnick\u00e9 slu\u017eby za sn\u00ed\u017een\u00e9 n\u00e1klady nebo zdarma. Tito lid\u00e9 plat\u00ed za p\u0159edepsan\u00e9 l\u00e9ky a l\u00e9ky. Dobr\u00e1 v\u011bc je, \u017ee prost\u011b mus\u00ed platit maxim\u00e1ln\u011b 114 EUR m\u011bs\u00ed\u010dn\u011b podle sch\u00e9matu plateb za l\u00e9ky.<\/p>\n<h2>Poji\u0161t\u011bn\u00ed v nezam\u011bstnanosti<\/h2>\n<p>Ministerstvo soci\u00e1ln\u00ed ochrany vypl\u00e1c\u00ed nezam\u011bstnan\u00fdm jednotlivc\u016fm d\u00e1vky pro uchaze\u010de o zam\u011bstn\u00e1n\u00ed t\u00fddn\u011b. \u010clov\u011bk v\u0161ak mus\u00ed b\u00fdt poji\u0161t\u011bn ze soci\u00e1ln\u00edho poji\u0161t\u011bn\u00ed. Osoby, kter\u00e9 nemaj\u00ed n\u00e1rok na d\u00e1vky pro uchaze\u010de o zam\u011bstn\u00e1n\u00ed, mohou podat \u017e\u00e1dost <a href=\"https:\/\/www.citizensinformation.ie\/en\/social_welfare\/social_welfare_payments\/unemployed_people\/jobseekers_allowance.html\">o p\u0159\u00edsp\u011bvek pro uchaze\u010de<\/a> o zam\u011bstn\u00e1n\u00ed.<\/p>\n<p>Chcete-li z\u00edskat n\u00e1rok na d\u00e1vku pro uchaze\u010de o zam\u011bstn\u00e1n\u00ed, mus\u00edte:<\/p>\n<ul>\n<li>M\u011bjte dostatek p\u0159\u00edsp\u011bvk\u016f na soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed (PRSI).<\/li>\n<li>Nezam\u011bstnan\u00ed nebo \u010d\u00e1ste\u010dn\u011b nezam\u011bstnan\u00ed ve 4 ze 7 dn\u016f<\/li>\n<li>M\u00e9n\u011b ne\u017e 66 let<\/li>\n<li>M\u00edt kapacitu pracovat<\/li>\n<li>Up\u0159\u00edmn\u011b hledat pr\u00e1ci a b\u00fdt k dispozici<\/li>\n<li>Musel utrp\u011bt v\u00fdznamnou ztr\u00e1tu nezam\u011bstnanosti po dobu 7 po sob\u011b jdouc\u00edch dn\u016f.<\/li>\n<li>M\u00edt 13 zaplacen\u00fdch p\u0159\u00edsp\u011bvk\u016f v p\u0159\u00edslu\u0161n\u00e9m da\u0148ov\u00e9m roce, aktu\u00e1ln\u00edm da\u0148ov\u00e9m roce, posledn\u00edm \u00fapln\u00e9m da\u0148ov\u00e9m roce a 2 da\u0148ov\u00e9 roky p\u0159ed p\u0159\u00edslu\u0161n\u00fdm da\u0148ov\u00fdm rokem.<\/li>\n<\/ul>\n<p>Jeden m\u016f\u017ee b\u00fdt diskvalifikov\u00e1n, aby z\u00edskal benefit pro uchaze\u010de o zam\u011bstn\u00e1n\u00ed, pokud:<\/p>\n<ul>\n<li>Jeden p\u0159i\u0161el o pr\u00e1ci kv\u016fli \u0161patn\u00e9mu chov\u00e1n\u00ed<\/li>\n<li>Dobrovoln\u011b opustil zam\u011bstn\u00e1n\u00ed bez rozumn\u00e9ho d\u016fvodu ve v\u011bku do 55 let a z\u00edskal odstupn\u00e9 ve v\u00fd\u0161i v\u00edce ne\u017e 50 000 EUR<\/li>\n<li>Odm\u00edt\u00e1 nab\u00eddku dobr\u00e9ho \u0161kolen\u00ed nebo alternativn\u00edho zam\u011bstn\u00e1n\u00ed<\/li>\n<\/ul>\n<h2>Poji\u0161t\u011bn\u00ed auta<\/h2>\n<p>\u010clov\u011bk mus\u00ed m\u00edt poji\u0161t\u011bn\u00ed motorov\u00e9ho vozidla, aby mohl jezdit po irsk\u00fdch silnic\u00edch. Hlavn\u00edmi typy poji\u0161t\u011bn\u00ed v Irsku jsou poji\u0161t\u011bn\u00ed t\u0159et\u00ed strany, po\u017e\u00e1r a kr\u00e1de\u017e t\u0159et\u00ed stranou a komplexn\u00ed poji\u0161t\u011bn\u00ed. Minim\u00e1ln\u00ed pot\u0159ebn\u00e9 poji\u0161t\u011bn\u00ed motorov\u00fdch vozidel v ir\u0161tin\u011b je poji\u0161t\u011bn\u00ed t\u0159et\u00ed strany. Pokud se jeden stane \u00fa\u010dastn\u00edkem nehody a zavin\u00ed, poji\u0161t\u011bn\u00ed od\u0161kodn\u00ed ostatn\u00ed strany za zran\u011bn\u00ed nebo \u0161kody.<\/p>\n<p>Poji\u0161t\u011bn\u00ed t\u0159et\u00edch stran a poji\u0161t\u011bn\u00ed proti kr\u00e1de\u017ei je v Irsku tak popul\u00e1rn\u00ed. Poskytuje podobn\u00e9 kryt\u00ed jako poji\u0161t\u011bn\u00ed t\u0159et\u00ed strany, ale s dodate\u010dn\u00fdm kryt\u00edm v p\u0159\u00edpad\u011b po\u0161kozen\u00ed auta po\u017e\u00e1rem nebo odcizen\u00ed. Pokud je v\u0161ak n\u011bkdo vinen v p\u0159\u00edpad\u011b nehody, nevztahuje se na \u017e\u00e1dn\u00e9 utrp\u011bn\u00e9 \u0161kody nebo zran\u011bn\u00ed.<\/p>\n<p>Komplexn\u00ed poji\u0161t\u011bn\u00ed je nejdra\u017e\u0161\u00ed v Irsku. Nab\u00edz\u00ed podobn\u00e9 kryt\u00ed jako po\u017e\u00e1r a kr\u00e1de\u017e t\u0159et\u00ed stranou a z\u00e1rove\u0148 d\u00e1v\u00e1 \u010dlov\u011bku mo\u017enost uplatnit n\u00e1rok na n\u00e1hradu \u0161kody na sv\u00e9m vozidle bez ohledu na osobu, kter\u00e1 nehodu zp\u016fsobila. Bohu\u017eel se nevztahuje na \u0159idi\u010de v p\u0159\u00edpad\u011b zran\u011bn\u00ed jejich osoby.<\/p>\n<h2>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/h2>\n<p>Domov je pro v\u011bt\u0161inu Ir\u016f nejv\u011bt\u0161\u00edm bohatstv\u00edm. Proto je d\u016fle\u017eit\u00e9 jej chr\u00e1nit v p\u0159\u00edpad\u011b, \u017ee se n\u011bco pokaz\u00ed. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti zaji\u0161\u0165uje, \u017ee <a href=\"https:\/\/www.chill.ie\/home-insurance\/\">kdy\u017e se n\u011bco pokaz\u00ed, nebudete muset po\u010d\u00edtat ztr\u00e1ty<\/a> . N\u011bkter\u00e1 poji\u0161t\u011bn\u00ed kryj\u00ed n\u00e1hodn\u00e9 \u0161kody, jako je roztr\u017een\u00ed koberce, kuchy\u0148sk\u00e9 spot\u0159ebi\u010de, poplatky pro hasi\u010de a n\u00e1hradn\u00ed ubytov\u00e1n\u00ed.<\/p>\n<h2>\u017divotn\u00ed pojistka<\/h2>\n<p>I kdy\u017e si smrt nep\u0159ejeme, mus\u00edme se ob\u00e1vat toho, co se stane, kdy\u017e zem\u0159eme. Prost\u0159ednictv\u00edm \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je tedy <a href=\"https:\/\/www.irishlife.ie\/life-insurance\/\">rodina chr\u00e1n\u011bna<\/a> t\u00edm, \u017ee m\u016f\u017ee platit hypot\u00e9ku, n\u00e1klady na p\u00e9\u010di o d\u011bti a platit \u00fa\u010dty. Je tak\u00e9 d\u016fle\u017eit\u00e9 jej u\u017e\u00edvat v ran\u00e9 f\u00e1zi, proto\u017ee m\u00e1 lep\u0161\u00ed v\u00fdhody.<\/p>\n<p>P\u0159ijet\u00ed tohoto poji\u0161t\u011bn\u00ed nab\u00edz\u00ed jeden klid, proto\u017ee se nemus\u00ed starat o spl\u00e1tky dluhu, kdy\u017e jsou pry\u010d. Ur\u010dit\u00fdm zp\u016fsobem m\u016f\u017ee chr\u00e1nit jednotlivce p\u0159ed ztr\u00e1tou p\u0159\u00edjmu. Krom\u011b toho hrad\u00ed n\u00e1klady na poh\u0159eb v p\u0159\u00edpad\u011b smrti pojistitele.<\/p>\n<h2>Cestovn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n<p>Cestovn\u00ed poji\u0161t\u011bn\u00ed je d\u016fle\u017eit\u00e9 pro v\u0161echny lidi cestuj\u00edc\u00ed do Irska nebo z Irska. Poji\u0161t\u011bn\u00ed kryje l\u00e9\u010debn\u00e9 v\u00fdlohy v p\u0159\u00edpad\u011b nemoci v zahrani\u010d\u00ed. Poji\u0161t\u011bn\u00ed tak\u00e9 zahrnuje zru\u0161en\u00ed a zkr\u00e1cen\u00ed, stejn\u011b jako asistenci chubb.<\/p>\n<p>Dal\u0161\u00edmi v\u011bcmi, na kter\u00e9 se cestovn\u00ed poji\u0161t\u011bn\u00ed vztahuje, je zpo\u017ed\u011bn\u00ed cesty a zme\u0161kan\u00fd odjezd. P\u0159i cestov\u00e1n\u00ed m\u016f\u017ee b\u00fdt n\u011bkdo unesen nebo odcizena zavazadla; cestovn\u00ed poji\u0161t\u011bn\u00ed tedy takov\u00e9 ud\u00e1losti kryje. Krom\u011b toho poji\u0161t\u011bn\u00ed hrad\u00ed osobn\u00ed odpov\u011bdnost, osobn\u00ed majetek a pr\u00e1vn\u00ed n\u00e1klady.<\/p>\n<h2>Poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f<\/h2>\n<p>Pr\u016fm\u011brn\u00e9 n\u00e1klady na poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch zv\u00ed\u0159at, jako je pes, jsou 16 EUR m\u011bs\u00ed\u010dn\u011b. Dom\u00e1c\u00ed mazl\u00ed\u010dek je ned\u00edlnou sou\u010d\u00e1st\u00ed rodiny; tak\u017ee stejn\u011b jako milovan\u00ed dost\u00e1vaj\u00ed ochranu, mus\u00edme je chr\u00e1nit i my. Poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f jej kryje pro p\u0159\u00edpad smrti nemoc\u00ed nebo i \u00farazu p\u0159ed dosa\u017een\u00edm ur\u010dit\u00e9ho v\u011bku, z\u00e1le\u017e\u00ed na pojistiteli.<\/p>\n<p>D\u00e1le poji\u0161t\u011bn\u00ed kryje <a href=\"https:\/\/switcher.ie\/pet-insurance\/\">l\u00e9\u010den\u00ed nemoc\u00ed a \u00faraz\u016f<\/a> v\u010detn\u011b l\u00e9ka\u0159sk\u00fdch vy\u0161et\u0159en\u00ed, l\u00e9k\u016f na p\u0159edpis a operace. V p\u0159\u00edpad\u011b zmizen\u00ed dom\u00e1c\u00edho mazl\u00ed\u010dka m\u016f\u017ee poji\u0161\u0165ovna uhradit n\u00e1klady na vylepov\u00e1n\u00ed plak\u00e1t\u016f. Mezi dal\u0161\u00ed v\u011bci, na kter\u00e9 se vztahuje poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f, pat\u0159\u00ed odpov\u011bdnost v\u016f\u010di t\u0159et\u00edm stran\u00e1m, n\u00e1klady na chovatelsk\u00e9 stanice a zru\u0161en\u00ed dovolen\u00e9.<\/p>\n<h2>Ochrana p\u0159\u00edjmu pro osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9<\/h2>\n<p>Poji\u0161t\u011bn\u00ed ochrany p\u0159\u00edjmu vypl\u00e1c\u00ed Ir\u016fm m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem v p\u0159\u00edpad\u011b, \u017ee nemohou vykon\u00e1vat svou pr\u00e1ci kv\u016fli \u00farazu nebo nemoci. Pojistit lze cca 75 % v\u00fdd\u011blku p\u0159ed zdan\u011bn\u00edm. Bohu\u017eel nelze pojistit celou \u010d\u00e1stku. Poji\u0161t\u011bn\u00ed zaji\u0161\u0165uje pojistitel\u016fm ochranu p\u0159\u00edjmu a spl\u00e1cen\u00ed hypot\u00e9ky v p\u0159\u00edpad\u011b nemoci nebo \u00farazu.<\/p>\n<h2>Popul\u00e1rn\u00ed poji\u0161\u0165ovac\u00ed spole\u010dnosti v Irsku<\/h2>\n<ul>\n<li>AIG Europe<\/li>\n<li>Asgard poji\u0161t\u011bn\u00ed<\/li>\n<li>AXA<\/li>\n<li>P\u0159\u00e1tel\u00e9 na prvn\u00edm m\u00edst\u011b<\/li>\n<li>Kennco Underwriting Limited<\/li>\n<li>Irsk\u00fd \u017eivot<\/li>\n<li>Poji\u0161t\u011bn\u00ed svobody<\/li>\n<li>Prestige Underwriting Services Ltd<\/li>\n<li>Poji\u0161t\u011bn\u00ed XS Direct<\/li>\n<li>Wrightway Underwriting Ltd<\/li>\n<li>Intesa Sanpaolo Life<\/li>\n<li>Prudential International Assurance<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed v Irsku je pravd\u011bpodobn\u011b jednou z nejd\u016fle\u017eit\u011bj\u0161\u00edch v\u011bc\u00ed, na kterou by m\u011bl myslet ka\u017ed\u00fd,&#8230;<\/p>\n","protected":false},"author":5,"featured_media":3594,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1623],"tags":[604,606,611,801,605],"class_list":["post-5636","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-irsko","tag-pojisteni-auta","tag-pojisteni-domacnosti","tag-pojisteni-majetku","tag-pojisteni-v-nezamestnanosti","tag-zdravotni-pojisteni","wpcat-1623-id"],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/posts\/5636","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=5636"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/posts\/5636\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/media\/3594"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/media?parent=5636"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/categories?post=5636"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/tags?post=5636"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}