{"id":5292,"date":"2022-03-07T13:21:35","date_gmt":"2022-03-07T12:21:35","guid":{"rendered":"http:\/\/expateuropa.com\/sigorta-li-komara-cek\/"},"modified":"2024-08-03T12:23:52","modified_gmt":"2024-08-03T10:23:52","slug":"sigorta-li-komara-cek","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/ku\/sigorta-li-komara-cek\/","title":{"rendered":"S\u00eegorta li Komara \u00c7ek"},"content":{"rendered":"<p>B\u00eemeya li Komara \u00c7ek ji bo her kes\u00ee gir\u00eeng e, tev\u00ee biyaniyan. P\u00ea\u015f\u00een, ew parastina s\u00eegortey\u00ea \u00fb her weha endam\u00ean malbata w\u00ee\/w\u00ea misoger dike. Ya duyem\u00een, ew stres\u00ea k\u00eam dike ku dem\u00ean dijwar peyda dike. M\u00eenak\u00ee, tendurist\u00ee dewlemend\u00ee ye. Ji ber v\u00ea yek\u00ea, heke kesek an b\u00eatir endamek malbatek nexwe\u015f bibe, w\u00ea hing\u00ea her kes ji ber stres\u00ea ye, \u00fb h\u00een dijwartir dibe ku endam\u00ean may\u00ee y\u00ean malbat\u00ea nikaribin hesab\u00ean w\u00ee y\u00ean bij\u00ee\u015fk\u00ee peyda bikin. Ya s\u00eayem\u00een, ji h\u00eala komara Komara \u00c7ek ve s\u00eegortey\u00ea digire, ew xwediy\u00ea ewlehiya ewlehiya daray\u00ee ne.<\/p>\n<h2>S\u00eegorteya tenduristiy\u00ea Komara \u00c7ek<\/h2>\n<p>Li Komara \u00c7ek s\u00eegortaya tenduristiy\u00ea ya gi\u015ft\u00ee \u00fb taybet heye. Milet bi giran\u00ee li ser be\u015fdariya mecb\u00fbr\u00ee ya kes\u00ean b\u00eeme hatiye avakirin \u00fb \u00eemkana be\u015fdarb\u00fbna bi dilxwaz\u00ee tune. Kes\u00ean sereke y\u00ean ku s\u00eegorta mecb\u00fbr\u00ee ne, ni\u015ftec\u00eeh\u00ean da\u00eem\u00ee y\u00ean \u00c7ek \u00fb xebatkar\u00ean kard\u00ear\u00ean Komara \u00c7ek ne. Kes\u00ean din \u00ean ku bi mecb\u00fbr\u00ee s\u00eegorta ne, kes\u00ean xweser \u00ean ji dewlet\u00ean din \u00ean Yek\u00eetiya Ewrop\u00ee ne \u00fb xebatkar\u00ean ku bi awayek\u00ee akt\u00eef li \u00c7ek\u00ee dij\u00een \u00fb di bin qan\u00fbn\u00ean ewlehiya civak\u00ee ya \u00c7ek de ne.<\/p>\n<p>Ya j\u00ear\u00een Be\u015fdariy\u00ean B\u00eemeya Tenduristiy\u00ea li Komara \u00c7ek dide:<\/p>\n<ul>\n<li>Welat ji bo girt\u00ee, le\u015fker, jin\u00ean di betlaneya jidayikb\u00fbn\u00ea, xwendekar, teqawid, betal \u00fb kes\u00ean ku tezm\u00eenata ewlehiya civak\u00ee werdigirin tevkariy\u00ea dide.<\/li>\n<li>Kes\u00ean ku dahata wan tune, ango jin\u00ean mal\u00ea, mehane bi ser\u00ea xwe n\u00eaz\u00ee 2052 CZK didin<\/li>\n<li>Xweser 13,5% ji 50% qezenca xwe didin.<\/li>\n<li>Kard\u00ear \u00fb karmend ji %13\/5\u00ea dahata brut\u00ee ya karmend\u00ea didin<\/li>\n<\/ul>\n<p>N\u00eaz\u00eek\u00ee 60% ji nif\u00fbsa Komara \u00c7ek bi V\u0161eobecn\u00e1 zdravotn\u00ed poji\u0161\u0165ovna (VZP) ve gir\u00eaday\u00ee ye, ku parg\u00eedaniyek b\u00eemeya tenduristiy\u00ea ya gelemper\u00ee ye. Ev s\u00eegorta kesek ku serdana nexwe\u015fxaneyek taybet dike nagire. Di heman dem\u00ea de, ew li gor\u00ee b\u00eemeya tenduristiy\u00ea ya taybet pir erzan e.<\/p>\n<p>B\u00eemeya tenduristiy\u00ea ya taybet r\u00ea dide hin welatiyan ku pirsgir\u00eak\u00ean wek\u00ee pispor\u00ean bij\u00eejk\u00ee y\u00ean ne \u00eengil\u00eez\u00eeax\u00eav, bij\u00eejk\u00ean z\u00eade dixebitin, \u00fb dem\u00ean dir\u00eaj \u00ean bendewariy\u00ea derbas bikin. Feydey\u00ean sereke y\u00ean ku ji h\u00eala b\u00eemeya tenduristiy\u00ea ve t\u00eane peyda kirin l\u00eanih\u00ear\u00eena spa, veguheztina nexwe\u015f, l\u00eanih\u00ear\u00eena diranan, l\u00eanih\u00ear\u00eena nexwe\u015fxaney\u00ea \u00fb ambulant, l\u00eanih\u00ear\u00eena tesp\u00eetkirin\u00ea, \u00fb l\u00eanih\u00ear\u00eena <a href=\"https:\/\/www.kancelarzp.cz\/en\/links-info-en\/health-insurance-system-in-cz#:~:text=The%20Czech%20public%20health%20insurance%20system%20is%20based%20on%20obligatory,the%20territory%20of%20Czech%20Republic.\">p\u00ea\u015f\u00eel\u00eagirtin\u00ea hene.<\/a><\/p>\n<h2>B\u00eemeya b\u00eakariy\u00ea<\/h2>\n<p>Kes\u00ean b\u00eakar li Komara \u00c7ek hin feydeyan werdigirin. L\u00eabel\u00ea, yek div\u00ea hebe:<\/p>\n<ul>\n<li>12 meh kar di 36 meh\u00ean bor\u00ee de<\/li>\n<li>Be\u015fdariy\u00ean 6 mehan di 36 meh\u00ean bor\u00ee de<\/li>\n<li>Wek\u00ee kargerek qeydkir\u00ee ye<\/li>\n<li>Ma teqawidiya p\u00eerb\u00fbn\u00ea wernagirin<\/li>\n<\/ul>\n<p>Dewreya desteka ji bo b\u00eakaran t\u00ea de ye<\/p>\n<ul>\n<li>11 meh ji bo kes\u00ean ji 55 sal\u00ee mezintir<\/li>\n<li>Ji bo kes\u00ean di navbera 50 \u00fb 55 sal\u00ee de 8 meh<\/li>\n<li>5 meh ji bo kes\u00ean ku di bin 50 sal\u00ee de ne<\/li>\n<\/ul>\n<p>M\u00eeqdara tezm\u00eenata b\u00eakariy\u00ea \u00fb al\u00eekariy\u00ean ji n\u00fb ve perwerdehiy\u00ea wek\u00ee r\u00eajeyek ji <a href=\"https:\/\/ec.europa.eu\/social\/main.jsp?catId=1106&amp;intPageId=4482&amp;langId=en\">dahata neto ya mehane ya nav\u00een\u00ee t\u00ea destn\u00ee\u015fan kirin.<\/a> Feydey\u00ean w\u00ea hene:<\/p>\n<ul>\n<li>65% di 2 meh\u00ean destp\u00eak\u00ea de<\/li>\n<li>50% ji bo 2 meh\u00ean din<\/li>\n<li>45% ji bo heyama berjewendiya may\u00ee<\/li>\n<\/ul>\n<h2>Car Insurance<\/h2>\n<p>Li Komara \u00c7ek du curey\u00ean b\u00eemeya ger\u00eedey\u00ea hene, di nav wan de havarijn\u00ed poji\u0161t\u011bn\u00ed (s\u00eegorta berfireh) \u00fb povinn\u00e9 ru\u010den\u00ed (s\u00eegorta mecb\u00fbr\u00ee). Div\u00ea her wesayitek qeydkir\u00ee li welat xwed\u00ee povinn\u00e9 ru\u010den\u00ed be. Ew zirara mal\u00ee an tenduristiy\u00ea ya ku ji kes\u00ean din re dema ku ger\u00eedeya we xebit\u00eene vedihew\u00eene.<\/p>\n<p>Her \u00e7end li gor\u00ee qan\u00fbn\u00ea, b\u00eemeya berfireh vebijark\u00ee ye. P\u00eadiv\u00ee ye ku ji ber ku mecb\u00fbr\u00ee ten\u00ea berpirsiyariya s\u00eayem\u00een vedigire. Bi v\u00ee reng\u00ee, havarijn\u00ed poji\u0161t\u011bn\u00ed gir\u00eeng e ji ber ku ew tewra l\u00ea\u00e7\u00fbn\u00ean tam\u00eerkirina ger\u00eedey\u00ea, qezay\u00ea ji bo b\u00eemekir\u00ee, diziya ger\u00eedey\u00ea, \u00fb vandal\u00eezm\u00ea vedigire.<\/p>\n<h2>S\u00eegorteya Mal\u00ea<\/h2>\n<p>Wek\u00ee Komarpar\u00eazek Czechek, gir\u00eeng e ku h\u00fbn xaniy\u00ea xwe \u00fb her weha naveroka w\u00ea ve\u015f\u00earin. Bi v\u00ee reng\u00ee, b\u00eemeya mal\u00ea naveroka xaniy\u00ea we dipar\u00eaze. Di heman dem\u00ea de, ew derfeta s\u00eegortekirina xan\u00ee ji xetereyan, di nav de leh, diz\u00ee, <a href=\"https:\/\/www.pvzp.cz\/en\/products\/citizens-insurance\/household-insurance\/\">bahoza, erdhej \u00fb voltaja<\/a> z\u00eade peyda dike. Ziyan\u00ean din \u00ean ku hatine girtin, qan\u00fbn\u00ean qan\u00fbn\u00ee y\u00ean kir\u00eadaran, zirara d\u00fbman\u00ea, pa\u015fvegirtina kanal\u00eezasyon\u00ea, \u00fb zirara berf\u00ea ne.<\/p>\n<h2>S\u00eegorta Jiyan\u00ea<\/h2>\n<p>B\u00eemeya jiyan\u00ea gir\u00eeng e ji ber ku mirin nediyar e, \u00fb ew mirov\u00ean ku ji h\u00eala daray\u00ee \u00fb hestyar\u00ee ve li d\u00fb xwe hi\u015ftibin heke nikaribin ji hezkiriy\u00ean xwe re \u015fandinek rast hebin gir\u00eeng e. Ji xeyn\u00ee mirin\u00ea, dema ku s\u00eegortey\u00ea seqet dibe \u00fb \u00e7avkaniya debara xwe winda dike, digire. Di heman dem\u00ea de mirov dikare ji day\u00eena pr\u00eem\u00ea j\u00ee were derxistin heke her du \u015fert\u00ean p\u00ea\u015f\u00een p\u00eak werin.<\/p>\n<h2>B\u00eemeya Pet<\/h2>\n<p>P\u00eevan be\u015fek ji Komar\u00eexwaz\u00ean \u00c7ek in ji ber ku ew derfet\u00ean xwe y\u00ean civak\u00eeb\u00fbn, werz\u00ee\u015f, bir\u00eavebirina ten\u00eatiy\u00ea, \u00fb bir\u00eavebirina depresyon\u00ea z\u00eade dikin. B\u00eemeya heywanan gir\u00eeng e ji ber ku ew dermankirin, mirin \u00fb <a href=\"https:\/\/www.dtest.cz\/clanek-7303\/pojisteni-psu-a-kocek?subscribe=738383&amp;gclid=CjwKCAiAyPyQBhB6EiwAFUuakkcI-rNr2Lck6Rgmoil2fUIMFMpYD1lkvt-2wpWqdmh0HlOLETNuMxoCenkQAvD_BwE\">berpirsiyariya wan a ku ji<\/a> h\u00eala heywan\u00ean b\u00eemekir\u00ee ve t\u00eane \u00e7\u00eakirin h\u00easan dike. Di heman dem\u00ea de, dibe ku heywan\u00ean heywanan di b\u00fbyera diziy\u00ea de, l\u00ea\u00e7\u00fbn\u00ean ku di d\u00eetina w\u00ea de \u00e7\u00eadibin, \u00fb l\u00ea\u00e7\u00fbn\u00ean l\u00eanih\u00ear\u00eena heywan\u00ea dema ku di nexwe\u015fxaney\u00ea de t\u00eane b\u00eeme kirin.<\/p>\n<h2>S\u00eegorta berpirsiyariya siv\u00eel<\/h2>\n<p>B\u00eemeya berpirsiyariya meden\u00ee du celeb zirar\u00ea vedigire, di nav de zirar\u00ean mad\u00ee \u00fb zirara la\u015f. Li Komara \u00c7ek, s\u00eegorta ni\u015ftec\u00eehan vedigire ger dema ku tev li \u00e7alakiy\u00ean hevpar dibin zirar\u00ea bidin heywan, ti\u015ft \u00fb tenduristiya kesek din. Mesref ji 125 CZK diguhere, \u00fb ew ji bo endam\u00ean may\u00ee y\u00ean mal\u00ea derbas dibe.<\/p>\n<p>S\u00eegorte dema ku li Komara \u00c7ek \u00fb hem j\u00ee li welat\u00ean din \u00ean Ewrop\u00ee ye, yek vedigire. Zarok\u00ean s\u00eegortey\u00ea bi gelemper\u00ee heta ku temen\u00ea wan digih\u00eeje 25 saliy\u00ea t\u00eane girtin.<\/p>\n<h2>Parg\u00eedaniy\u00ean b\u00eemey\u00ea y\u00ean populer \u00ean li Komara \u00c7ek<\/h2>\n<ul>\n<li>\u015e\u00eerketa s\u00eegortey\u00ea Allianz<\/li>\n<li>Atradius Cr\u00e9dito y Cauci\u00f3n SA de Seguros y Reaseguros, pobo\u010dka pro \u010ceskou republiku<\/li>\n<li>Colonnade Insurance SA, organiza\u010dn\u00ed slo\u017eka<\/li>\n<li>\u010cesk\u00e1 podnikatelsk\u00e1 poji\u0161\u0165ovna, as, Viyana Insurance Group<\/li>\n<li>ERGO poji\u0161\u0165ovna, wek<\/li>\n<li>Exportn\u00ed garan\u010dn\u00ed a poji\u0161\u0165ovac\u00ed spole\u010dnost, wek<\/li>\n<li>Kooperativa poji\u0161\u0165ovna, wek, Viyana Insurance Group<\/li>\n<li>NN \u017divotn\u00ed poji\u0161\u0165ovna NV, pobo\u010dka pro \u010ceskou republiku<\/li>\n<li>Poji\u0161\u0165ovna VZP, wek<\/li>\n<li>UNIQA poji\u0161\u0165ovna, wek<\/li>\n<li>VIG RE zaji\u0161\u0165ovna, wek<\/li>\n<li>YOUPLUS \u017divotn\u00ed poji\u0161\u0165ovna, pobo\u010dka pro \u010ceskou republiku<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u00eemeya li Komara \u00c7ek ji bo her kes\u00ee gir\u00eeng e, tev\u00ee biyaniyan. P\u00ea\u015f\u00een, ew parastina&#8230;<\/p>\n","protected":false},"author":5,"featured_media":4062,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1194],"tags":[891,699,700,894,885],"class_list":["post-5292","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-komara-cek","tag-bimeya-bekariye","tag-sigorta-car","tag-sigorteya-tenduristiye","tag-sirketen-sigorteye","tag-sixorte","wpcat-1194-id"],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/posts\/5292","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/comments?post=5292"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/posts\/5292\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/media\/4062"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/media?parent=5292"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/categories?post=5292"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/ku\/wp-json\/wp\/v2\/tags?post=5292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}