{"id":5300,"date":"2022-03-07T13:21:35","date_gmt":"2022-03-07T12:21:35","guid":{"rendered":"http:\/\/expateuropa.com\/apdrosinasana-cehijas-republika\/"},"modified":"2024-08-03T12:24:04","modified_gmt":"2024-08-03T10:24:04","slug":"apdrosinasana-cehijas-republika","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/lv\/apdrosinasana-cehijas-republika\/","title":{"rendered":"Apdro\u0161in\u0101\u0161ana \u010cehijas Republik\u0101"},"content":{"rendered":"<p>Apdro\u0161in\u0101\u0161ana \u010cehijas Republik\u0101 ir svar\u012bga ikvienam, ar\u012b \u0101rzemniekiem. Pirmk\u0101rt, t\u0101 nodro\u0161ina apdro\u0161in\u0101t\u0101, k\u0101 ar\u012b vi\u0146a \u0123imenes locek\u013cu aizsardz\u012bbu. Otrk\u0101rt, tas samazina stresu, nodro\u0161inot gr\u016btos br\u012b\u017eus. Piem\u0113ram, vesel\u012bba ir bag\u0101t\u012bba. T\u0101p\u0113c, ja cilv\u0113ks vai, pareiz\u0101k sakot, \u0123imenes loceklis saslimst, tad visi jo stres\u0101, un k\u013c\u016bst pat gr\u016bt\u0101k, ja p\u0101r\u0113jie \u0123imenes locek\u013ci nevar apmaks\u0101t vi\u0146a medic\u012bniskos r\u0113\u0137inus. Tre\u0161k\u0101rt, \u010cehijas Republikas apdro\u0161in\u0101\u0161ana vi\u0146iem garant\u0113 finansi\u0101lu dro\u0161\u012bbu.<\/p>\n<h2>Vesel\u012bbas apdro\u0161in\u0101\u0161ana \u010cehijas Republika<\/h2>\n<p>\u010cehij\u0101 ir gan valsts, gan priv\u0101t\u0101 vesel\u012bbas apdro\u0161in\u0101\u0161ana. Tauta galvenok\u0101rt balst\u0101s uz apdro\u0161in\u0101to personu oblig\u0101tu l\u012bdzdal\u012bbu, un br\u012bvpr\u0101t\u012bgi piedal\u012bties nav iesp\u0113jams. Galven\u0101s personas, kuras ir oblig\u0101ti apdro\u0161in\u0101tas, ir \u010cehijas past\u0101v\u012bgie iedz\u012bvot\u0101ji un \u010cehijas Republikas darba dev\u0113ju darbinieki. Citas personas, kuras ir oblig\u0101ti apdro\u0161in\u0101tas, ir pa\u0161nodarbin\u0101tas personas no cit\u0101m Eiropas Savien\u012bbas valst\u012bm un darbinieki, kas akt\u012bvi dz\u012bvo \u010cehij\u0101 un uz kuriem attiecas \u010cehijas soci\u0101l\u0101 nodro\u0161in\u0101juma ties\u012bbu akti.<\/p>\n<p>\u010cehijas Republik\u0101 vesel\u012bbas apdro\u0161in\u0101\u0161anas iemaksas maks\u0101:<\/p>\n<ul>\n<li>Valsts veic iemaksas par ieslodz\u012btajiem, karav\u012briem, sieviet\u0113m gr\u016btniec\u012bbas un dzemd\u012bbu atva\u013cin\u0101jum\u0101, studentiem, pension\u0101riem, bezdarbniekiem un person\u0101m, kuras sa\u0146em soci\u0101l\u0101 nodro\u0161in\u0101juma pabalstus<\/li>\n<li>Cilv\u0113ki bez ar nodokli apliekamiem ien\u0101kumiem, ti, m\u0101jsaimnieces, pa\u0161i maks\u0101 apm\u0113ram 2052 CZK m\u0113nes\u012b<\/li>\n<li>Pa\u0161nodarbin\u0101tie maks\u0101 13,5% no 50% pe\u013c\u0146as.<\/li>\n<li>Darba dev\u0113js un darba \u0146\u0113m\u0113js maks\u0101 13\/5% no darbinieka bruto ien\u0101kumiem<\/li>\n<\/ul>\n<p>Aptuveni 60% \u010cehijas iedz\u012bvot\u0101ju ir apdro\u0161in\u0101ti ar V\u0161eobecn\u00e1 zdravotn\u00ed poji\u0161\u0165ovna (VZP), kas ir visp\u0101r\u0113j\u0101s vesel\u012bbas apdro\u0161in\u0101\u0161anas sabiedr\u012bba. \u0160\u012b apdro\u0161in\u0101\u0161ana nesedz priv\u0101tpersonu, kas apmekl\u0113 priv\u0101tu slimn\u012bcu. Turkl\u0101t tas ir \u013coti pie\u0146emams, sal\u012bdzinot ar priv\u0101to vesel\u012bbas apdro\u0161in\u0101\u0161anu.<\/p>\n<p>Priv\u0101t\u0101 vesel\u012bbas apdro\u0161in\u0101\u0161ana da\u017eiem iedz\u012bvot\u0101jiem \u013cauj p\u0101rvar\u0113t t\u0101das probl\u0113mas k\u0101 angliski nerun\u0101jo\u0161i medic\u012bnas speci\u0101listi, p\u0101rslogoti \u0101rsti un ilgi gaid\u012b\u0161anas laiki. Galven\u0101s vesel\u012bbas apdro\u0161in\u0101\u0161anas sniegt\u0101s priek\u0161roc\u012bbas ietver spa apr\u016bpi, pacientu transportu, zob\u0101rstniec\u012bbas apr\u016bpi, stacion\u0101ro apr\u016bpi un ambulanci, <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.\">diagnostisko apr\u016bpi un profilaktisko apr\u016bpi.<\/a><\/p>\n<h2>Bezdarba apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Bezdarbnieki \u010cehijas Republik\u0101 sa\u0146em da\u017eus pabalstus. Tom\u0113r ir j\u0101b\u016bt:<\/p>\n<ul>\n<li>12 darba m\u0113ne\u0161i p\u0113d\u0113jos 36 m\u0113ne\u0161os<\/li>\n<li>6 m\u0113ne\u0161u iemaksas p\u0113d\u0113jo 36 m\u0113ne\u0161u laik\u0101<\/li>\n<li>Re\u0123istr\u0113jies k\u0101 darba mekl\u0113t\u0101js<\/li>\n<li>Nesa\u0146em vecuma pensiju<\/li>\n<\/ul>\n<p>Bezdarbnieku atbalsta periods ietver<\/p>\n<ul>\n<li>11 m\u0113ne\u0161i person\u0101m, kas vec\u0101kas par 55 gadiem<\/li>\n<li>8 m\u0113ne\u0161i person\u0101m vecum\u0101 no 50 l\u012bdz 55<\/li>\n<li>5 m\u0113ne\u0161i person\u0101m, kas jaun\u0101kas par 50 gadiem<\/li>\n<\/ul>\n<p>Bezdarbnieka pabalstu un p\u0101rkvalifik\u0101cijas pabalstu apm\u0113ru nosaka procentos no <a href=\"https:\/\/ec.europa.eu\/social\/main.jsp?catId=1106&amp;intPageId=4482&amp;langId=en\">vid\u0113j\u0101s m\u0113ne\u0161a neto izpe\u013c\u0146as.<\/a> Priek\u0161roc\u012bbas ietver:<\/p>\n<ul>\n<li>65% pirmajos 2 m\u0113ne\u0161os<\/li>\n<li>50% n\u0101kamajiem 2 m\u0113ne\u0161iem<\/li>\n<li>45% par atliku\u0161o pabalsta periodu<\/li>\n<\/ul>\n<h2>Automa\u0161\u012bnu apdro\u0161in\u0101\u0161ana<\/h2>\n<p>\u010cehij\u0101 ir divu veidu automa\u0161\u012bnu apdro\u0161in\u0101\u0161ana, tostarp havarijn\u00ed poji\u0161t\u011bn\u00ed (visp\u0101r\u0113j\u0101 apdro\u0161in\u0101\u0161ana) un povinn\u00e9 ru\u010den\u00ed (oblig\u0101t\u0101 apdro\u0161in\u0101\u0161ana). Katram re\u0123istr\u0113tam transportl\u012bdzeklim valst\u012b j\u0101b\u016bt povinn\u00e9 ru\u010den\u00ed. Tas sedz zaud\u0113jumus \u012bpa\u0161umam vai vesel\u012bbai, kas nodar\u012bts cit\u0101m person\u0101m, ekspluat\u0113jot j\u016bsu automa\u0161\u012bnu.<\/p>\n<p>Lai gan saska\u0146\u0101 ar likumu visaptvero\u0161\u0101 apdro\u0161in\u0101\u0161ana nav oblig\u0101ta. Tas ir nepiecie\u0161ams, jo oblig\u0101tais attiecas tikai uz tre\u0161o personu atbild\u012bbu. T\u0101d\u0113j\u0101di havarijn\u00ed poji\u0161t\u011bn\u00ed ir svar\u012bga, jo t\u0101 pat sedz izmaksas par automa\u0161\u012bnas remontu, negad\u012bjumu apdro\u0161in\u0101tajam, automa\u0161\u012bnas z\u0101dz\u012bbu un vand\u0101lismu.<\/p>\n<h2>M\u0101jas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>K\u0101 \u010cehijas republik\u0101nim ir svar\u012bgi nosegt savu m\u0101ju, k\u0101 ar\u012b t\u0101s saturu. T\u0101d\u0113j\u0101di m\u0101jas apdro\u0161in\u0101\u0161ana aizsarg\u0101 j\u016bsu m\u0101jas saturu. Tas ar\u012b sniedz iesp\u0113ju apdro\u0161in\u0101t m\u0101ju no briesm\u0101m, tostarp pl\u016bdiem, z\u0101dz\u012bb\u0101m, <a href=\"https:\/\/www.pvzp.cz\/en\/products\/citizens-insurance\/household-insurance\/\">v\u0113ja v\u0113tr\u0101m, zemestr\u012bc\u0113m un p\u0101rspriegumam<\/a> . P\u0101r\u0113jie segtie zaud\u0113jumi ietver \u012brnieku tiesas pr\u0101vas, d\u016bmu boj\u0101jumus, notek\u016bde\u0146u rezerves un sniega boj\u0101jumus.<\/p>\n<h2>Dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana ir svar\u012bga, jo n\u0101ve ir nenoteikta, un t\u0101 padara cilv\u0113kus, kas atst\u0101ti nov\u0101rt\u0101, finansi\u0101li un emocion\u0101li nom\u0101kti, ja vi\u0146i nevar pien\u0101c\u012bgi nos\u016bt\u012bt savus tuviniekus. Papildus n\u0101ves gad\u012bjumiem t\u0101 sedz apdro\u0161in\u0101to, ja vi\u0146\u0161 vai vi\u0146a k\u013c\u016bst inval\u012bds un zaud\u0113 iztikas avotu. Var ar\u012b atbr\u012bvot no piemaksas, ja ir izpild\u012bti pirmie divi nosac\u012bjumi.<\/p>\n<h2>M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana<\/h2>\n<p>M\u0101jdz\u012bvnieki ir da\u013ca no \u010cehijas republik\u0101\u0146iem, jo tie palielina vi\u0146u iesp\u0113jas socializ\u0113ties, vingrot, p\u0101rvald\u012bt vientul\u012bbu un p\u0101rvald\u012bt depresiju. M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana ir svar\u012bga, jo atvieglo vi\u0146u \u0101rst\u0113\u0161anu, n\u0101vi un <a href=\"https:\/\/www.dtest.cz\/clanek-7303\/pojisteni-psu-a-kocek?subscribe=738383&amp;gclid=CjwKCAiAyPyQBhB6EiwAFUuakkcI-rNr2Lck6Rgmoil2fUIMFMpYD1lkvt-2wpWqdmh0HlOLETNuMxoCenkQAvD_BwE\">atbild\u012bbu, ko izraisa<\/a> apdro\u0161in\u0101tie m\u0101jdz\u012bvnieki. M\u0101jdz\u012bvniekus var apdro\u0161in\u0101t ar\u012b z\u0101dz\u012bbas, t\u0101 atra\u0161anas izdevumu un m\u0101jdz\u012bvnieka kop\u0161anas izdevumu gad\u012bjumos, kad tas tiek hospitaliz\u0113ts.<\/p>\n<h2>Civiltiesisk\u0101s atbild\u012bbas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Civiltiesisk\u0101s atbild\u012bbas apdro\u0161in\u0101\u0161ana sedz divu veidu zaud\u0113jumus, tostarp materi\u0101los zaud\u0113jumus un miesas boj\u0101jumus. \u010cehij\u0101 apdro\u0161in\u0101\u0161ana sedz iedz\u012bvot\u0101jus, ja vi\u0146i, veicot kop\u012bg\u0101s darb\u012bbas, nodara kait\u0113jumu citas personas dz\u012bvniekiem, priek\u0161metiem un vesel\u012bbai. Izmaksas sv\u0101rst\u0101s no CZK 125, un t\u0101s attiecas uz p\u0101r\u0113jiem m\u0101jsaimniec\u012bbas locek\u013ciem.<\/p>\n<p>Apdro\u0161in\u0101\u0161ana sedz vienu, atrodoties \u010cehijas Republik\u0101, k\u0101 ar\u012b cit\u0101s Eiropas valst\u012bs. Apdro\u0161in\u0101t\u0101 b\u0113rni parasti tiek segti l\u012bdz 25 gadu vecumam.<\/p>\n<h2>Popul\u0101ras apdro\u0161in\u0101\u0161anas komp\u0101nijas \u010cehij\u0101<\/h2>\n<ul>\n<li>Allianz apdro\u0161in\u0101\u0161anas komp\u0101nija<\/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, Vienna Insurance Group<\/li>\n<li>ERGO poji\u0161\u0165ovna, as<\/li>\n<li>Exportn\u00ed garan\u010dn\u00ed a poji\u0161\u0165ovac\u00ed spole\u010dnost, as<\/li>\n<li>Kooperativa poji\u0161\u0165ovna, as, Vienna Insurance Group<\/li>\n<li>NN \u017divotn\u00ed poji\u0161\u0165ovna NV, pobo\u010dka pro \u010ceskou republiku<\/li>\n<li>Poji\u0161\u0165ovna VZP, as<\/li>\n<li>UNIQA poji\u0161\u0165ovna, as<\/li>\n<li>VIG RE zaji\u0161\u0165ovna, as<\/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>Apdro\u0161in\u0101\u0161ana \u010cehijas Republik\u0101 ir svar\u012bga ikvienam, ar\u012b \u0101rzemniekiem. Pirmk\u0101rt, t\u0101 nodro\u0161ina apdro\u0161in\u0101t\u0101, k\u0101 ar\u012b vi\u0146a&#8230;<\/p>\n","protected":false},"author":5,"featured_media":4063,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1202],"tags":[880,890,715,886,716],"class_list":["post-5300","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cehu-republika","tag-apdrosinasana","tag-apdrosinasanas-kompanijas","tag-auto-apdrosinasana","tag-bezdarba-apdrosinasana","tag-veselibas-apdrosinasana","wpcat-1202-id"],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/5300","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/comments?post=5300"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/5300\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media\/4063"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media?parent=5300"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/categories?post=5300"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/tags?post=5300"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}