{"id":5679,"date":"2022-04-18T22:24:01","date_gmt":"2022-04-18T20:24:01","guid":{"rendered":"https:\/\/expateuropa.com\/pojisteni-v-lotyssku\/"},"modified":"2022-04-18T22:24:01","modified_gmt":"2022-04-18T20:24:01","slug":"pojisteni-v-lotyssku","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/cs\/pojisteni-v-lotyssku\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed v Loty\u0161sku"},"content":{"rendered":"<p>Poji\u0161t\u011bn\u00ed v Loty\u0161sku je to, na co se m\u016f\u017ee ka\u017ed\u00fd v zemi spolehnout, kdy\u017e se v\u011bci \u00fapln\u011b zvrtnou. Nikdy nem\u016f\u017eete \u0159\u00edct, kdy p\u0159esn\u011b m\u016f\u017ee doj\u00edt k nehod\u011b, ztr\u00e1t\u011b zam\u011bstn\u00e1n\u00ed, po\u017e\u00e1ru, kter\u00fd zni\u010d\u00ed v\u00e1\u0161 d\u016fm nebo jak\u00e9koli podobn\u00e9 katastrof\u011b. S pojistkou po boku m\u016f\u017eete s jistotou \u0159\u00edci: &#8222;S moj\u00ed du\u0161\u00ed je to v po\u0159\u00e1dku.&#8220; jako Horatio Spafford.<\/p>\n<p><iframe loading=\"lazy\" title=\"Latvia health insurance\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/UtqyL1hHIoM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>Loty\u0161sko je kr\u00e1sn\u00e1 zem\u011b s p\u00edse\u010dn\u00fdmi pl\u00e1\u017eemi, tis\u00edci jezery a st\u00e1le zelen\u00fdmi lesy. Jako obyvatel Loty\u0161ska je d\u016fle\u017eit\u00e9 br\u00e1t poji\u0161t\u011bn\u00ed jako prost\u0159edek lep\u0161\u00edho finan\u010dn\u00edho pl\u00e1nov\u00e1n\u00ed. Je d\u016fle\u017eit\u00e9 uzav\u0159\u00edt poji\u0161t\u011bn\u00ed v\u010das, abyste m\u011bli lep\u0161\u00ed finan\u010dn\u00ed smysl. Nehody se obvykle stanou bez varov\u00e1n\u00ed a adekv\u00e1tn\u00ed poji\u0161t\u011bn\u00ed zaji\u0161\u0165uje, \u017ee \u010dlov\u011bk dostane d\u00e1vky, kter\u00e9 pokr\u00fdvaj\u00ed mimo\u0159\u00e1dn\u00e9 ud\u00e1losti.<\/p>\n<h2>Zdravotn\u00ed poji\u0161t\u011bn\u00ed Loty\u0161sko<\/h2>\n<p>Na st\u00e1tem hrazen\u00e9 zdravotn\u00ed slu\u017eby maj\u00ed n\u00e1rok tyto osoby:<\/p>\n<ul>\n<li>Jednotlivec bez st\u00e1tn\u00ed p\u0159\u00edslu\u0161nosti ud\u011blil status bez st\u00e1tn\u00ed p\u0159\u00edslu\u0161nosti v Loty\u0161sku, stejn\u011b jako jejich d\u011bti, do 18 let<\/li>\n<li>\u017dadatel\u00e9 o azyl i jejich d\u011bti do 18 let<\/li>\n<li>Zat\u010den\u00ed, odsouzen\u00ed nebo zadr\u017een\u00ed jednotlivci a jejich d\u011bti do 18 let<\/li>\n<li>Uprchl\u00edci i osoby s alternativn\u00edm statusem a jejich d\u011bti<\/li>\n<li>Ob\u010dan\u00e9 i nest\u00e1tn\u00ed ob\u010dan\u00e9 Loty\u0161ska a jejich d\u011bti do 18 let<\/li>\n<li>Ob\u010dan\u00e9 \u010dlensk\u00fdch st\u00e1t\u016f Evropsk\u00e9 unie, \u0160v\u00fdcarska, Spojen\u00e9ho kr\u00e1lovstv\u00ed a zem\u00ed Evropsk\u00e9ho hospod\u00e1\u0159sk\u00e9ho prostoru \u017eij\u00edc\u00ed a pracuj\u00edc\u00ed v Loty\u0161sku a jejich rodinn\u00ed p\u0159\u00edslu\u0161n\u00edci<\/li>\n<li>Cizinci s trval\u00fdm pobytem v Loty\u0161sku a jejich d\u011bti<\/li>\n<\/ul>\n<p>Mezi v\u011bci financovan\u00e9 ze st\u00e1tn\u00edho rozpo\u010dtu pat\u0159\u00ed pohotovostn\u00ed l\u00e9ka\u0159sk\u00e9 t\u00fdmy, ambulantn\u00ed zdravotn\u00ed p\u00e9\u010de, l\u00e9ky, <a href=\"http:\/\/www.vmnvd.gov.lv\/lv\/kompensejamie-medikamenti\/kompensacijas-kartiba\" target=\"_blank\" rel=\"noopener\">hrazen\u00e9 l\u00e9ky<\/a> a \u00fastavn\u00ed zdravotn\u00ed p\u00e9\u010de. Vl\u00e1dn\u00ed dan\u011b financuj\u00ed st\u00e1tn\u00ed zdravotn\u00ed p\u00e9\u010di. I kdy\u017e je zdravotn\u00ed p\u00e9\u010de podfinancovan\u00e1, je v r\u016fzn\u00fdch regionech p\u0159ev\u00e1\u017en\u011b efektivn\u00ed.<\/p>\n<p>Pokud jednotlivec nen\u00ed v EU\/EHP a nem\u00e1 n\u00e1rok na st\u00e1tem financovan\u00e9 zdravotnick\u00e9 slu\u017eby, je d\u016fle\u017eit\u00e9 uzav\u0159\u00edt soukrom\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed. \u010clov\u011bk m\u016f\u017ee onemocn\u011bt kdykoli; m\u00edsto placen\u00ed z kapsy, kdykoli \u010dlov\u011bk onemocn\u00ed, se tedy hod\u00ed soukrom\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed. Soukrom\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed je obvykle dobr\u00e9, proto\u017ee umo\u017e\u0148uje p\u0159\u00edstup k nejlep\u0161\u00edm soukrom\u00fdm zdravotnick\u00fdm za\u0159\u00edzen\u00edm, i kdy\u017e se nenach\u00e1z\u00ed v Loty\u0161sku.<\/p>\n<h2>Poji\u0161t\u011bn\u00ed v nezam\u011bstnanosti<\/h2>\n<p>V Loty\u0161sku m\u016f\u017ee \u010dlov\u011bk z\u00edskat podporu v nezam\u011bstnanosti, kdy\u017e mu St\u00e1tn\u00ed \u00fa\u0159ad pr\u00e1ce (SEA) p\u0159izn\u00e1 status nezam\u011bstnanosti. P\u0159edpokl\u00e1d\u00e1 se v\u0161ak, \u017ee \u010dlov\u011bk byl poji\u0161t\u011bn cca <a href=\"https:\/\/ec.europa.eu\/social\/main.jsp?catId=1117&amp;langId=en&amp;intPageId=4643#:~:text=You%20can%20claim%20unemployment%20benefits,during%20the%20last%2016%20months.\" target=\"_blank\" rel=\"noopener\">1 rok a platil p\u0159\u00edsp\u011bvky na soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed za posledn\u00ed 1 rok 4 m\u011bs\u00edce<\/a> .<\/p>\n<p>Podpora v nezam\u011bstnanosti se obvykle poskytuje nejd\u00e9le po dobu 9 m\u011bs\u00edc\u016f. V\u00fd\u0161e d\u00e1vky se obvykle odv\u00edj\u00ed od jejich mzdov\u00e9 \u00farovn\u011b z p\u0159\u00edsp\u011bvk\u016f na soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed. O v\u00fdhody lze tak\u00e9 po\u017e\u00e1dat:<\/p>\n<ul>\n<li>Osobn\u00ed vypln\u011bn\u00ed p\u0159ihl\u00e1\u0161ky<\/li>\n<li>Odesl\u00e1n\u00ed vypln\u011bn\u00e9ho formul\u00e1\u0159e do SSIA<\/li>\n<li>Odesl\u00e1n\u00ed podepsan\u00e9ho formul\u00e1\u0159e s elektronick\u00fdm podpisem spole\u010dnosti SSIA e-mailem<\/li>\n<li>Odesl\u00e1n\u00edm vypln\u011bn\u00e9ho formul\u00e1\u0159e na kteroukoli pobo\u010dku St\u00e1tn\u00edho \u00fa\u0159adu pr\u00e1ce<\/li>\n<\/ul>\n<p>V\u00fd\u0161e pojistn\u00e9ho pln\u011bn\u00ed se sni\u017euje ka\u017ed\u00e9 t\u0159i m\u011bs\u00edce. Na rozd\u00edl od jin\u00fdch zem\u00ed, jako je D\u00e1nsko, \u010cesk\u00e1 republika a Finsko, kde \u010dlov\u011bk dostane jen procento z poji\u0161t\u011bn\u00ed, m\u00e1 v Loty\u0161sku prvn\u00ed t\u0159i m\u011bs\u00edce n\u00e1rok na 100 % d\u00e1vek. Nav\u00edc po t\u0159ech m\u011bs\u00edc\u00edch z\u00edsk\u00e1 75 % z p\u0159iznan\u00e9 \u010d\u00e1stky a v posledn\u00edch t\u0159ech m\u011bs\u00edc\u00edch 50 % z \u010d\u00e1stky.<\/p>\n<h2>Poji\u0161t\u011bn\u00ed auta<\/h2>\n<p>Tyto dva typy poji\u0161t\u011bn\u00ed vozidel zahrnuj\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed a poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu zp\u016fsobenou provozem vozidla (MTPL). Poji\u0161t\u011bn\u00ed povinn\u00e9ho ru\u010den\u00ed je povinn\u00e9 pro ka\u017edou osobu, kter\u00e1 vlastn\u00ed vozidlo v Loty\u0161sku. Poji\u0161t\u011bn\u00ed nav\u00edc kryje \u0161kody na zdrav\u00ed i majetku zp\u016fsoben\u00e9 nehodou, za kterou odpov\u00edd\u00e1 majitel nebo \u0159idi\u010d. Poji\u0161t\u011bn\u00ed lze sjednat na r\u016fzn\u00e9 m\u011bs\u00edce, v\u010detn\u011b 12, 9, 6, 3 a 1.<\/p>\n<p>CASCO je dobrovoln\u00e9, proto\u017ee nen\u00ed vy\u017eadov\u00e1no z\u00e1konem. Poji\u0161t\u011bn\u00ed tak <a href=\"https:\/\/salidzinipolises.lv\/en\/what-is-insured-with-casco.html\" target=\"_blank\" rel=\"noopener\">od\u0161kodn\u00ed v\u00e1s i va\u0161e auto<\/a> . Nen\u00ed dobr\u00e9 spol\u00e9hat se jen na povinn\u00e9 ru\u010den\u00ed, proto\u017ee v p\u0159\u00edpad\u011b, \u017ee se jako \u0159idi\u010d zran\u00edte, znamen\u00e1 to, \u017ee budete muset ze sv\u00e9 kapsy platit nemocni\u010dn\u00ed \u00fa\u010dty a tak\u00e9 opravu auta.<\/p>\n<p>N\u00ed\u017ee jsou uvedeny obl\u00edben\u00e9 p\u0159\u00edpady, kdy lze pou\u017e\u00edt z\u00e1sady CASCO:<\/p>\n<ul>\n<li>Zlod\u011bj aut<\/li>\n<li>Kompletn\u00ed zni\u010den\u00ed vozidla<\/li>\n<li>Loupe\u017e auta, v\u010detn\u011b odcizen\u00fdch dopl\u0148k\u016f, zrc\u00e1tek, st\u0159e\u0161n\u00edho nosi\u010de a v\u011bc\u00ed v lev\u00e9 kabin\u011b<\/li>\n<li>Sr\u00e1\u017eka s jin\u00fdm vozidlem<\/li>\n<li>Po\u0161kozen\u00ed zrc\u00e1tek, poklop\u016f, oken a \u010deln\u00edho skla<\/li>\n<li>Sr\u00e1\u017eka se zv\u00ed\u0159etem<\/li>\n<li>Po\u0161kozen\u00ed t\u011bla<\/li>\n<\/ul>\n<h2>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/h2>\n<p>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti je d\u016fle\u017eit\u00e9 pro ka\u017ed\u00e9ho obyvatele Loty\u0161ska, proto\u017ee ho chr\u00e1n\u00ed p\u0159ed \u0161kodami nebo n\u00e1klady zp\u016fsoben\u00fdmi nehodami a p\u0159\u00edrodn\u00edmi katastrofami. Je to dobr\u00fd zp\u016fsob, jak z\u00edskat pokryt\u00ed z nep\u0159edv\u00eddan\u00fdch v\u00fddaj\u016f, kdy\u017e dojde k neo\u010dek\u00e1van\u00fdm ud\u00e1lostem. Mezi hlavn\u00ed typy poji\u0161t\u011bn\u00ed dom\u00e1cnosti v Loty\u0161sku pat\u0159\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti, poji\u0161t\u011bn\u00ed dom\u00e1cnosti a poji\u0161t\u011bn\u00ed nemovitosti.<\/p>\n<p>D\u00e1le se poji\u0161t\u011bn\u00ed nemovitosti vztahuje na d\u016fm \u010di byt i jeho za\u0159\u00edzen\u00ed. Mezi takov\u00e9 p\u0159\u00edpady pat\u0159\u00ed sr\u00e1\u017eky aut s vraty a sol\u00e1rn\u00edmi panely po\u0161kozen\u00fdmi krupobit\u00edm. Co se t\u00fd\u010de poji\u0161t\u011bn\u00ed dom\u00e1cnosti, to se vztahuje na dal\u0161\u00ed kryt\u00e9 v\u011bci, v\u010detn\u011b osobn\u00edch v\u011bc\u00ed v dom\u011b. V neposledn\u00ed \u0159ad\u011b se poji\u0161t\u011bn\u00ed odpov\u011bdnosti vztahuje na ne\u00famysln\u00e9 \u0161kody zp\u016fsoben\u00e9 host\u016fm, soused\u016fm a dal\u0161\u00edm osob\u00e1m.<\/p>\n<h2>\u017divotn\u00ed pojistka<\/h2>\n<p>V Loty\u0161sku \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pom\u00e1h\u00e1 \u010dlov\u011bku p\u0159e\u017e\u00edt i v <a href=\"https:\/\/www.swedbank.lv\/private\/insurance\/life\/life?language=ENG\" target=\"_blank\" rel=\"noopener\">nejhor\u0161\u00edch finan\u010dn\u00edch situac\u00edch<\/a> . Nab\u00edz\u00ed finan\u010dn\u00ed podporu v n\u00e1sleduj\u00edc\u00edch situac\u00edch:<\/p>\n<ul>\n<li>Ud\u00e1lost traumatu v d\u016fsledku nehody<\/li>\n<li>Pokud se vy, pojistitel, stanete invalidn\u00ed a nebudete moci d\u00e1le chodit<\/li>\n<li>Pro rodinu, v p\u0159\u00edpad\u011b, \u017ee p\u0159ed\u00e1te<\/li>\n<\/ul>\n<h2>Cestovn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n<p>P\u0159i p\u0159\u00edjezdu do Loty\u0161ska na z\u00e1klad\u011b schengensk\u00e9ho v\u00edza je t\u0159eba uzav\u0159\u00edt cestovn\u00ed poji\u0161t\u011bn\u00ed. Z\u00e1sady pokr\u00fdvaj\u00ed pohotovostn\u00ed l\u00e9ka\u0159sk\u00e9 poplatky nebo cestovn\u00ed z\u00e1le\u017eitosti v minim\u00e1ln\u00ed hodnot\u011b 30 000 EUR. Mezi dal\u0161\u00ed v\u011bci, kter\u00e9 cestovn\u00ed poji\u0161t\u011bn\u00ed kryje, pat\u0159\u00ed <a href=\"https:\/\/www.swedbank.lv\/private\/insurance\/travel\/insurance?language=ENG\" target=\"_blank\" rel=\"noopener\">p\u0159eru\u0161en\u00ed z d\u016fvodu zpo\u017ed\u011bn\u00ed nebo nemoci a odcizen\u00ed majetku nebo po\u0161kozen\u00ed zavazadel<\/a> . N\u011bkter\u00e9 z poji\u0161\u0165oven dok\u00e1\u017eou pokr\u00fdt i p\u0159evoz nebo naru\u0161en\u00ed cesty i osobn\u00ed v\u011bci.<\/p>\n<h2>Poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f<\/h2>\n<p>Dom\u00e1c\u00ed mazl\u00ed\u010dci jsou nejlep\u0161\u00ed; kdy\u017e jsme v jejich bl\u00edzkosti, dost\u00e1v\u00e1me ochranu, spole\u010dnost, l\u00e1sku a p\u0159\u00e1telstv\u00ed. Proto se o n\u011b mus\u00edme dob\u0159e starat, zejm\u00e9na Healthwise. Poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f kryje l\u00e9ka\u0159skou p\u00e9\u010di v p\u0159\u00edpad\u011b n\u00e1hl\u00fdch zdravotn\u00edch probl\u00e9m\u016f, nemoc\u00ed a \u00faraz\u016f. Nav\u00edc poji\u0161t\u011bn\u00ed je dobr\u00e9, proto\u017ee l\u00e9ka\u0159sk\u00e1 p\u00e9\u010de je obvykle tak drah\u00e1.<\/p>\n<p>Nav\u00edc v p\u0159\u00edpad\u011b, \u017ee se zv\u00ed\u0159e ztrat\u00ed, poji\u0161t\u011bn\u00ed kryje n\u00e1klady spojen\u00e9 s hled\u00e1n\u00edm a odm\u011bnu a\u017e 64 eur. Poji\u0161t\u011bn\u00ed to m\u016f\u017ee pokr\u00fdt tak\u00e9 v p\u0159\u00edpad\u011b, \u017ee \u010dlov\u011bk cestuje a zv\u00ed\u0159e onemocn\u00ed v zahrani\u010d\u00ed. Je v\u0161ak d\u016fle\u017eit\u00e9 v\u011bd\u011bt, \u017ee pojistn\u00e9 smlouvy se u jednotliv\u00fdch poji\u0161\u0165oven li\u0161\u00ed.<\/p>\n<h2>Poji\u0161t\u011bn\u00ed rodinn\u00e9 nebo osobn\u00ed odpov\u011bdnosti<\/h2>\n<p>V Loty\u0161sku poji\u0161t\u011bn\u00ed chr\u00e1n\u00ed jednotlivce i jejich rodinu, kdy\u017e jsou zodpov\u011bdn\u00ed za \u0161kody na majetku nebo ubl\u00ed\u017een\u00ed na zdrav\u00ed t\u0159et\u00ed stran\u011b.<\/p>\n<h2>Obl\u00edben\u00e9 poji\u0161\u0165ovac\u00ed spole\u010dnosti v Loty\u0161sku<\/h2>\n<ul>\n<li>Balta<\/li>\n<li>BTA BALTSK\u00c1 POJI\u0160\u0164OVNA<\/li>\n<li>COMPENSA LIFE VIENNA INSURANCE GROUP SE<\/li>\n<li>ERGO Insurance SE Latvijas fili\u0101le<\/li>\n<li>AAS &#8222;Baltijas Apdro\u0161in\u0101\u0161anas Nams&#8220;<\/li>\n<li>GJENSIDIGE<\/li>\n<li>AAS \u201eSEB Dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana\u201c<\/li>\n<li>POKUD LOTY\u0160SKO POJI\u0160T\u011aN\u00cd<\/li>\n<li>AXA PPP zdravotnictv\u00ed<\/li>\n<li>Seesam Insurance AS Latvijas fili\u0101le<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed v Loty\u0161sku je to, na co se m\u016f\u017ee ka\u017ed\u00fd v zemi spolehnout, kdy\u017e se&#8230;<\/p>\n","protected":false},"author":5,"featured_media":4250,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1664],"tags":[1411,1665,604,606,611,801,803],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/posts\/5679"}],"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=5679"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/posts\/5679\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/media\/4250"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/media?parent=5679"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/categories?post=5679"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/tags?post=5679"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}