{"id":6161,"date":"2022-05-18T22:23:29","date_gmt":"2022-05-18T20:23:29","guid":{"rendered":"http:\/\/expateuropa.com\/pojisteni-v-nizozemsku\/"},"modified":"2022-05-27T14:06:25","modified_gmt":"2022-05-27T12:06:25","slug":"pojisteni-v-nizozemsku","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/cs\/pojisteni-v-nizozemsku\/","title":{"rendered":"Pojistn\u00e9 kryt\u00ed v Nizozemsku"},"content":{"rendered":"\n<p>Poji\u0161t\u011bn\u00ed v Nizozemsku neznamen\u00e1, \u017ee pobyt v zemi nen\u00ed bezpe\u010dn\u00fd, ani zdaleka ne. Jednodu\u0161e to znamen\u00e1, \u017ee n\u00e1v\u0161t\u011bvn\u00edk nebo rezident se dostate\u010dn\u011b star\u00e1 o to, aby zabezpe\u010dil sebe nebo sv\u016fj majetek proti jak\u00fdmkoli mo\u017en\u00fdm rizik\u016fm. \u017divot s\u00e1m o sob\u011b je riskantn\u00ed, co\u017e je realita, kter\u00e1 nem\u016f\u017ee jen tak pominout jen proto, \u017ee se n\u011bkdo ned\u00e1vno p\u0159es\u00eddlil do Nizozemska. <\/p>\n\n<p>Nizozemsko nen\u00ed v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b jinou obecnou zem\u00ed na glob\u00e1ln\u00ed map\u011b, ne. M\u00e1 svou jedine\u010dnost, kterou dob\u0159e vystihuje r\u010den\u00ed, \u017ee <a href=\"https:\/\/medium.com\/searendipity\/god-created-the-world-but-the-dutch-created-holland-3e597c508bf5\">\u201eB\u016fh stvo\u0159il sv\u011bt, ale Holan\u010fan\u00e9 stvo\u0159ili Holandsko<\/a> \u201c. Toto slavn\u00e9 r\u010den\u00ed vzbuzuje v Nizozemsku spoustu skv\u011bl\u00fdch v\u011bc\u00ed, co\u017e m\u016f\u017ee vyvolat fale\u0161n\u00fd dojem, \u017ee Nizozemci maj\u00ed v\u017edy pod kontrolou v\u0161echna rizika. Litujeme, rizika si b\u011bhem va\u0161eho pobytu v Nizozemsku n\u011bjak\u00fdm zp\u016fsobem najdou cestu t\u00edm nejneo\u010dek\u00e1van\u011bj\u0161\u00edm zp\u016fsobem, co\u017e vy\u017eaduje spolehliv\u00e9 poji\u0161t\u011bn\u00ed. <\/p>\n\n<h2 class=\"wp-block-heading\">To je d\u016fvod, pro\u010d ur\u010dit\u011b pot\u0159ebujete poji\u0161t\u011bn\u00ed v Nizozemsku<\/h2>\n\n<p>Myslet si, \u017ee pobyt v Nizozemsku zaru\u010duje bezpe\u010dnost \u010dlov\u011bka skrz naskrz, by bylo naivn\u00ed, proto\u017ee kdykoli m\u016f\u017ee doj\u00edt k sr\u00e1\u017ece autem, kter\u00e1 v\u00e1s upout\u00e1 na l\u016f\u017eko, nebo kdy\u017e m\u00e1te \u0161t\u011bst\u00ed, na do\u017eivotn\u00ed invalidn\u00ed voz\u00edk. Je\u0161t\u011b lep\u0161\u00ed je, \u017ee po\u017e\u00e1r m\u016f\u017ee zni\u010dit va\u0161e obchodn\u00ed prostory a zanechat za sebou nevy\u0159\u00edzen\u00e9 p\u016fj\u010dky a ztracen\u00e9 \u017eivobyt\u00ed. Toto jsou fakta \u017eivota, kter\u00e1 se nem\u011bn\u00ed bez ohledu na to, kde se nach\u00e1z\u00edte. Pravd\u011bpodobnost, \u017ee se rizika poji\u0161t\u011bn\u00e1 v Nizozemsku stanou, nemus\u00ed b\u00fdt tak vysok\u00e1 jako jinde kv\u016fli jejich robustn\u00edm mechanism\u016fm \u0159\u00edzen\u00ed rizik, ale st\u00e1le se objevuj\u00ed. <\/p>\n\n<p>Mezi Nizozemci maj\u00ed poji\u0161\u0165ovac\u00ed spole\u010dnosti v zemi mo\u017enost obr\u00e1tit se na d\u016fv\u011bryhodn\u00e9ho a starostliv\u00e9ho partnera, kdy\u017e p\u0159ijde riziko. Obecn\u011b plat\u00ed, \u017ee lid\u00e9 v Nizozemsku vlastn\u00ed bohatstv\u00ed v r\u016fzn\u00fdch form\u00e1ch, jako jsou drah\u00e9 SUV, dobr\u00e9 domy, prosperuj\u00edc\u00ed farmy a podniky atd. Pokud by do\u0161lo k riziku, finan\u010dn\u00ed ztr\u00e1ta by byla obrovsk\u00e1. Dokonce i nov\u00e1\u010dci maj\u00ed d\u016fvod uzav\u0159\u00edt poji\u0161t\u011bn\u00ed, proto\u017ee jakmile vstoup\u00ed do Nizozemska a pust\u00ed se do pr\u00e1ce, p\u0159ijde jm\u011bn\u00ed, ale mus\u00ed b\u00fdt zaji\u0161t\u011bni \u0159\u00e1dnou pojistkou. <\/p>\n\n<h2 class=\"wp-block-heading\">Zdravotn\u00ed poji\u0161t\u011bn\u00ed Nizozemsko<\/h2>\n\n<p>Nizozemsko je jedn\u00edm z n\u00e1rod\u016f s vynikaj\u00edc\u00ed a univerz\u00e1ln\u00ed zdravotn\u00ed p\u00e9\u010d\u00ed. Ka\u017ed\u00fd jednotlivec, kter\u00fd \u017eije v Nizozemsku, je povinen uzav\u0159\u00edt standardn\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed. Zahrnuje l\u00e9ky na p\u0159edpis, l\u00e9\u010dbu v nemocnici a konzultace s praktick\u00fdm l\u00e9ka\u0159em.<\/p>\n\n<p>Na rozd\u00edl od ostatn\u00edch evropsk\u00fdch zem\u00ed, jako je <a href=\"https:\/\/expateuropa.com\/cs\/pojisteni-v-dansku\/\">D\u00e1nsko<\/a> a \u0160v\u00e9dsko, m\u00e1 nizozemsk\u00e1 vl\u00e1da na starosti kvalitn\u00ed a dostupn\u00fd syst\u00e9m zdravotn\u00ed p\u00e9\u010de, ale ne \u0159\u00edzen\u00ed. Kombinuje soukrom\u00e9 zdravotn\u00ed pl\u00e1ny i soci\u00e1ln\u00ed podm\u00ednky. Dan\u011b financuj\u00ed nizozemskou zdravotn\u00ed p\u00e9\u010di.<\/p>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"http:\/\/expateuropa.com\/wp-content\/uploads\/2022\/05\/wheelchair-1595794_1920-1024x683.jpg\" alt=\"\" class=\"wp-image-6118\" srcset=\"https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/05\/wheelchair-1595794_1920-1024x683.jpg 1024w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/05\/wheelchair-1595794_1920-300x200.jpg 300w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/05\/wheelchair-1595794_1920-768x512.jpg 768w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/05\/wheelchair-1595794_1920-1536x1024.jpg 1536w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/05\/wheelchair-1595794_1920.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>Nikdy nen\u00ed z\u00e1bavn\u00e9 b\u00fdt upout\u00e1n na invalidn\u00ed voz\u00edk, ale nehody mohou zp\u016fsobit, \u017ee nebudete schopni pracovat nebo chodit<\/figcaption><\/figure>\n\n<p>Dv\u011b hlavn\u00ed nizozemsk\u00e1 zdravotn\u00ed poji\u0161t\u011bn\u00ed zahrnuj\u00ed n\u00e1klady na pr\u00e9mie (m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9) a vlastn\u00ed riziko (eigen risico). M\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 je strh\u00e1v\u00e1no m\u011bs\u00ed\u010dn\u011b z bankovn\u00edho \u00fa\u010dtu. Na druhou stranu vlastn\u00ed riziko, kter\u00e9 \u010dlov\u011bk plat\u00ed z vlastn\u00ed kapsy. Pokr\u00fdv\u00e1 n\u011bkter\u00e9 l\u00e9ky a l\u00e9\u010dbu, ne\u017e zdravotn\u00ed poji\u0161t\u011bn\u00ed pokryje zbytek. Nap\u0159\u00edklad v roce 2022 to st\u00e1lo 385 eur.<\/p>\n\n<p>V Nizozemsku existuj\u00ed dva druhy poji\u0161t\u011bn\u00ed. Zahrnuj\u00ed <a href=\"https:\/\/www.iamexpat.nl\/expat-info\/insurances-netherlands\/dutch-health-insurance\">Povinn\u00e9 z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed (basisverzekering) a Nepovinn\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed (aanvullende verzekering).<\/a> Za z\u00e1kladn\u00ed poji\u0161t\u011bn\u00ed \u010dlov\u011bk zaplat\u00ed kolem 100 eur. Poji\u0161t\u011bn\u00ed se vztahuje na:<\/p>\n\n<ul class=\"wp-block-list\"><li>N\u00e1v\u0161t\u011bva l\u00e9ka\u0159\u016f<\/li><li>Mate\u0159sk\u00e1 p\u00e9\u010de<\/li><li>Zubn\u00ed p\u00e9\u010de pro d\u011bti do 18 let<\/li><li>Krevn\u00ed test<\/li><li>P\u0159edpis l\u00e9k\u016f<\/li><li>Omezen\u00e1 stomatologick\u00e1 p\u00e9\u010de pro dosp\u011bl\u00e9 nad 18 let.<\/li><li>O\u0161et\u0159ov\u00e1n\u00ed na m\u00edst\u011b<\/li><li>Star\u0161\u00ed p\u00e9\u010de<\/li><\/ul>\n\n<h2 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed v nezam\u011bstnanosti<\/h2>\n\n<p>V p\u0159\u00edpad\u011b, \u017ee se stanete nezam\u011bstnan\u00fdm v Nizozemsku, m\u00e1te n\u00e1rok na n\u011bkter\u00e9 d\u00e1vky podle z\u00e1kona o poji\u0161t\u011bn\u00ed v nezam\u011bstnanosti. Existuj\u00ed v\u0161ak ur\u010dit\u00e9 podm\u00ednky, kter\u00e9 mus\u00ed b\u00fdt spln\u011bny. Obsahuj\u00ed:<\/p>\n\n<ul class=\"wp-block-list\"><li>Poji\u0161t\u011bno proti zam\u011bstn\u00e1n\u00ed<\/li><li>Sta\u0148te se nezam\u011bstnan\u00fdmi kv\u016fli n\u011b\u010demu, co nen\u00ed va\u0161e chyba<\/li><li>Mo\u017enost pracovat na holandsk\u00e9m trhu pr\u00e1ce<\/li><li>Pracoval alespo\u0148 26 t\u00fddn\u016f v posledn\u00edch 36 t\u00fddnech, ne\u017e byl nezam\u011bstnan\u00fd<\/li><li>Mus\u00ed se vyhnout tomu, aby z\u016fstali nebo se nestali nezam\u011bstnan\u00fdmi, zasl\u00e1n\u00edm odpov\u00eddaj\u00edc\u00edch \u017e\u00e1dost\u00ed o zam\u011bstn\u00e1n\u00ed<\/li><li>M\u00edt alespo\u0148 5 hodin t\u00fddn\u011b a propojen\u00fd plat<\/li><\/ul>\n\n<p>Jeden m\u00e1 n\u00e1rok na 75 % posledn\u00ed v\u00fdplaty v prvn\u00edch dvou m\u011bs\u00edc\u00edch a 70 % z posledn\u00ed v\u00fdplaty v dal\u0161\u00edch m\u011bs\u00edc\u00edch. Podporu v nezam\u011bstnanosti v\u0161ak nem\u016f\u017eete z\u00edskat, pokud jste:<\/p>\n\n<ul class=\"wp-block-list\"><li>jsou ve v\u011bzen\u00ed<\/li><li>Pob\u00edr\u00e1 d\u00e1vku z d\u016fvodu invalidity nebo nemoci<\/li><li>\u017dije mimo Nizozemsko<\/li><li>Nezdr\u017eovat se v Nizozemsku leg\u00e1ln\u011b<\/li><li>Dos\u00e1hl <a href=\"https:\/\/www.a-kasser.dk\/unemployment-insurance-in-europe\/netherlands\/\">z\u00e1konn\u00e9ho d\u016fchodov\u00e9ho v\u011bku<\/a><\/li><\/ul>\n\n<h2 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed auta<\/h2>\n\n<p>P\u0159ed uzav\u0159en\u00edm poji\u0161t\u011bn\u00ed vozidla v Nizozemsku by m\u011bl b\u00fdt \u010dlov\u011bk nejprve rezidentem. Tak\u00e9 by \u010dlov\u011bk m\u011bl m\u00edt holandsk\u00e9 auto a platn\u00fd \u0159idi\u010dsk\u00fd pr\u016fkaz. Mezi hlavn\u00ed t\u0159i typy poji\u0161t\u011bn\u00ed vozidel v Nizozemsku pat\u0159\u00ed povinn\u00e9 ru\u010den\u00ed, roz\u0161\u00ed\u0159en\u00e9 ru\u010den\u00ed a poji\u0161t\u011bn\u00ed v\u0161ech rizik.<\/p>\n\n<p>Povinn\u00e9 ru\u010den\u00ed. Pokr\u00fdv\u00e1 n\u00e1klady na \u0161kody zp\u016fsoben\u00e9 jin\u00fdm stran\u00e1m, v\u010detn\u011b zran\u011bn\u00ed, \u0161kod na majetku a vozidlech. Je to dobr\u00e1 volba pro lidi s levn\u00fdm vozidlem. Tak\u00e9 je to dobr\u00e9 pro jednotlivce, kte\u0159\u00ed \u0159\u00edd\u00ed star\u00e9 auto.<\/p>\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"685\" data-id=\"6076\" src=\"http:\/\/expateuropa.com\/wp-content\/uploads\/2022\/05\/shake-hand-3677534_1920-1024x685.jpg\" alt=\"\" class=\"wp-image-6076\" srcset=\"https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/05\/shake-hand-3677534_1920-1024x685.jpg 1024w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/05\/shake-hand-3677534_1920-300x201.jpg 300w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/05\/shake-hand-3677534_1920-768x514.jpg 768w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/05\/shake-hand-3677534_1920-1536x1027.jpg 1536w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/05\/shake-hand-3677534_1920.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>Zabezpe\u010den\u00ed va\u0161eho vozu nen\u00ed nutn\u011b na instalovan\u00e9 bezpe\u010dnostn\u00ed v\u00fdbav\u011b, ale na spolehliv\u00e9 pojistce<\/figcaption><\/figure>\n<\/figure>\n\n<p>Roz\u0161\u00ed\u0159en\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti zahrnuje t\u0159et\u00ed stranu, kr\u00e1de\u017e a po\u017e\u00e1r. Nav\u00edc v n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee pokr\u00fdt \u0161kody zp\u016fsoben\u00e9 na va\u0161em voze. N\u011bkter\u00e9 z okolnost\u00ed, za kter\u00fdch lze uplatnit n\u00e1rok, zahrnuj\u00ed sr\u00e1\u017eku se zv\u00ed\u0159aty, po\u0161kozen\u00ed vich\u0159ic\u00ed, po\u017e\u00e1r, vandalismus a kr\u00e1de\u017e.<\/p>\n\n<p>A kone\u010dn\u011b, kryt\u00ed v\u0161ech rizik nebo allriskverzekering <a href=\"https:\/\/www.abnamro.nl\/en\/personal\/insurance\/car-insurance\/index.htmlCustom%20Office%20Templates\">v\u0161echny \u0161kody zp\u016fsoben\u00e9 t\u0159et\u00edm stran\u00e1m a tak\u00e9 po\u0161kozen\u00ed va\u0161eho vozu. Existuj\u00ed v\u0161ak ur\u010dit\u00e9 v\u00fdjimky<\/a>. Nap\u0159\u00edklad \u00famysln\u00e9 po\u0161kozen\u00ed. Tento druh poji\u0161t\u011bn\u00ed se d\u016frazn\u011b doporu\u010duje pro drah\u00e9 nebo nov\u00e9 vozidlo.<\/p>\n\n<h2 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed dom\u00e1cnosti<\/h2>\n\n<p>Poji\u0161t\u011bn\u00ed dom\u00e1cnosti je pro Nizozemce \u00faleva. Mezi hlavn\u00ed typy poji\u0161t\u011bn\u00ed dom\u00e1cnosti pat\u0159\u00ed poji\u0161t\u011bn\u00ed dom\u00e1cnosti a poji\u0161t\u011bn\u00ed dom\u00e1cnosti. Poji\u0161t\u011bn\u00ed dom\u00e1cnosti se vztahuje na vandalismus, \u00fanik vody a pokus o kr\u00e1de\u017e nebo kr\u00e1de\u017e. Mezi dal\u0161\u00ed v\u011bci, kter\u00e9 jsou zahrnuty, pat\u0159\u00ed bou\u0159e, v\u00fdbuchy, \u00fadery blesku a po\u017e\u00e1ry.<\/p>\n\n<p>Na druhou stranu poji\u0161t\u011bn\u00ed dom\u00e1cnosti kryje va\u0161e v\u011bci. Pojistn\u00e1 \u010d\u00e1stka velmi z\u00e1vis\u00ed na spole\u010dnosti. Poji\u0161t\u011bn\u00ed se vztahuje na <a href=\"https:\/\/www.abnamro.nl\/en\/personal\/insurance\/home-insurances\/home-contents-insurance.html\">v\u00fdbuch, saze, kou\u0159 a po\u017e\u00e1r<\/a> . Pokr\u00fdv\u00e1 tak\u00e9 \u0161kody zp\u016fsoben\u00e9 bou\u0159\u00ed, kr\u00e1de\u017ee a po\u017e\u00e1ry. \u010clov\u011bk tak\u00e9 z\u00edsk\u00e1 dal\u0161\u00ed kryt\u00ed za \u0161kody zp\u016fsoben\u00e9 zem\u011bt\u0159esen\u00edm nebo ztr\u00e1ty z nedbalosti.<\/p>\n\n<h2 class=\"wp-block-heading\">\u017divotn\u00ed pojistka<\/h2>\n\n<p>Je na v\u00e1s n\u011bkdo z\u00e1visl\u00fd? Pokud ano, pak byste nem\u011bli v\u00e1hat s uzav\u0159en\u00edm \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. D\u016fvodem je v p\u0159\u00edpad\u011b, \u017ee p\u0159ejdete d\u00e1l, pak \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017ee hr\u00e1t roli v nahrazen\u00ed va\u0161eho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. D\u00edky tomu je pro rodinu snadn\u00e9 nad\u00e1le \u017e\u00edt a platit sv\u00e9 \u00fa\u010dty.<\/p>\n\n<h2 class=\"wp-block-heading\">Cestovn\u00ed poji\u0161t\u011bn\u00ed<\/h2>\n\n<p>Chcete jet na dovolenou do Nizozem\u00ed nebo mimo n\u011bj? Pak je dobr\u00e9 uzav\u0159\u00edt cestovn\u00ed poji\u0161t\u011bn\u00ed. Poji\u0161t\u011bn\u00ed kryje l\u00e9\u010debn\u00e9 v\u00fdlohy i pomoc v nouzi. Krom\u011b toho kryje ztr\u00e1tu, po\u0161kozen\u00ed nebo odcizen\u00ed zavazadel a osobn\u00edch v\u011bc\u00ed. Mezi dal\u0161\u00ed v\u011bci, na kter\u00e9 se vztahuje toto poji\u0161t\u011bn\u00ed, pat\u0159\u00ed storno, \u00farazy a pr\u00e1vn\u00ed v\u00fdlohy.<\/p>\n\n<h2 class=\"wp-block-heading\">Poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f <\/h2>\n\n<p>V Nizozemsku je p\u0159ed uzav\u0159en\u00edm poji\u0161t\u011bn\u00ed pro dom\u00e1c\u00ed mazl\u00ed\u010dky nejprve d\u016fle\u017eit\u00e9 zaregistrovat sv\u00e9ho psa. Registrace se prov\u00e1d\u00ed na gemeente. Tak\u00e9 je t\u0159eba zaplatit ro\u010dn\u00ed ps\u00ed tac na m\u00edstn\u00edm finan\u010dn\u00edm \u00fa\u0159adu. Poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f pro nizozemsk\u00e9 majitele dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f, proto\u017ee jim d\u00e1v\u00e1 mo\u017enost vybrat si z r\u016fzn\u00fdch o\u0161et\u0159en\u00ed pro zran\u011bn\u00e9 nebo nemocn\u00e9 dom\u00e1c\u00ed mazl\u00ed\u010dky. V\u0161e z\u00e1vis\u00ed na l\u00e9ka\u0159sk\u00fdch mo\u017enostech.<\/p>\n\n<p>Poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f znamen\u00e1, \u017ee m\u00e1te mo\u017enost vybrat si sv\u00e9ho veterin\u00e1\u0159e. Tak\u00e9 neexistuje \u017e\u00e1dn\u00e1 diskriminace na z\u00e1klad\u011b plemene. Poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f do jist\u00e9 m\u00edry p\u0159in\u00e1\u0161\u00ed klid. D\u016fvodem je, \u017ee se nemus\u00edte b\u00e1t, kdy\u017e zv\u00ed\u0159e onemocn\u00ed. Nav\u00edc rodina nemus\u00ed utr\u00e1cet sv\u016fj nouzov\u00fd fond.<\/p>\n\n<h2 class=\"wp-block-heading\">Z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed<\/h2>\n\n<p>V Nizozemsku z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed kryje pr\u00e1vn\u00ed n\u00e1klady pr\u00e1vn\u00edka. Krom\u011b toho pokr\u00fdv\u00e1 dal\u0161\u00ed pr\u00e1vn\u00ed slu\u017eby. Nap\u0159\u00edklad spory o bydlen\u00ed, spot\u0159ebitelsk\u00e9 konflikty a tak\u00e9 pracovn\u00ed z\u00e1le\u017eitosti. Z\u00e1konn\u00e9 poji\u0161t\u011bn\u00ed d\u00e1v\u00e1 lidem, kam se mohou obr\u00e1tit v p\u0159\u00edpad\u011b pr\u00e1vn\u00edho probl\u00e9mu. N\u011bkdy mohou nastat probl\u00e9my, kdy\u017e nejsou \u017e\u00e1dn\u00e9 pen\u00edze nebo dokonce \u00faspory, a to je m\u00edsto, kde p\u0159ich\u00e1z\u00ed na \u0159adu poji\u0161t\u011bn\u00ed.<\/p>\n\n<h2 class=\"wp-block-heading\">Obl\u00edben\u00e9 poji\u0161\u0165ovac\u00ed spole\u010dnosti v Nizozemsku<\/h2>\n\n<ul class=\"wp-block-list\"><li>Achmea Zorg<\/li><li>Amersfoortse Zorgverzekeringen<\/li><li>Azivo Zorgverzekeraar<\/li><li>CZ<\/li><li>OHRA<\/li><li>OZ Zorgverzekeraar<\/li><li>Interpolis Zorgverzekeringen<\/li><li>Trias Zorgverzekeraar<\/li><li>UMC Zorgverzekeraar<\/li><li>Univ\u00e9 Zorgverzekeraar<\/li><li>Zilveren Kruis Achmea<\/li><li>Zorgverzekeraar Zorg en Zekerheid<\/li><li>Salland verzekeringen<\/li><li>Stad Holland Verzekeraar<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Poji\u0161t\u011bn\u00ed v Nizozemsku neznamen\u00e1, \u017ee pobyt v zemi nen\u00ed bezpe\u010dn\u00fd, ani zdaleka ne. Jednodu\u0161e to&#8230;<\/p>\n","protected":false},"author":5,"featured_media":6034,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2551],"tags":[1411,2552,799,604,1313,611,801,605],"class_list":["post-6161","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nizozemi","tag-cestovni-pojisteni","tag-oblibene-pojistovny","tag-pojisteni","tag-pojisteni-auta","tag-pojisteni-domacich-mazlicku","tag-pojisteni-majetku","tag-pojisteni-v-nezamestnanosti","tag-zdravotni-pojisteni","wpcat-2551-id"],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/posts\/6161","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=6161"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/posts\/6161\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/media\/6034"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/media?parent=6161"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/categories?post=6161"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/cs\/wp-json\/wp\/v2\/tags?post=6161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}