{"id":5389,"date":"2022-03-16T21:43:56","date_gmt":"2022-03-16T20:43:56","guid":{"rendered":"https:\/\/expateuropa.com\/apdrosinasana-igaunija\/"},"modified":"2022-03-16T21:43:56","modified_gmt":"2022-03-16T20:43:56","slug":"apdrosinasana-igaunija","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/lv\/apdrosinasana-igaunija\/","title":{"rendered":"Apdro\u0161in\u0101\u0161ana Igaunij\u0101"},"content":{"rendered":"<p>Nav lab\u0101ka veida, k\u0101 izbaud\u012bt Igauniju, k\u0101 vispirms ieg\u016bt uzticamu apdro\u0161in\u0101\u0161anas segumu. J\u016bs, t\u0101pat k\u0101 daudzi citi cilv\u0113ki, nev\u0113laties uztraukties par naudas zaud\u0113\u0161anu slim\u012bbas, nelaimes gad\u012bjuma vai citu l\u012bdz\u012bgu nelaimju gad\u012bjum\u0101. Varb\u016bt v\u0113l nav saprotams, k\u0101p\u0113c apdro\u0161in\u0101\u0161ana Igaunij\u0101 ir svar\u012bga, ta\u010du, protams, tas ir lab\u0101k, nek\u0101 gaid\u012bt, lai uzzin\u0101tu, ka t\u0101 ir nepiecie\u0161ama smag\u0101 veid\u0101. Dosimies m\u0101c\u012bbu ce\u013cojum\u0101 par to, ko tev noz\u012bm\u0113 apdro\u0161in\u0101\u0161ana Igaunij\u0101.<\/p>\n<p>Igaunij\u0101 apdro\u0161in\u0101\u0161ana ir noz\u012bm\u012bgs finan\u0161u instruments. Tas liek cilv\u0113kiem uztraukties, jo vi\u0146i zina, ka p\u0113c nelaimes gad\u012bjuma vai katastrofas sa\u0146ems finansi\u0101lu pal\u012bdz\u012bbu, lai pal\u012bdz\u0113tu vi\u0146iem \u0101tr\u0101k atg\u016bties. Ikvienam k\u0101d\u0101 dz\u012bves posm\u0101 ir vajadz\u012bga finansi\u0101la br\u012bv\u012bba, un, lai ieg\u016btu finansi\u0101lu br\u012bv\u012bbu, nepietiek ar ietaup\u012bjumu. T\u0101p\u0113c apdro\u0161in\u0101\u0161ana ir svar\u012bga, jo t\u0101 vairo finansi\u0101lo dro\u0161\u012bbu un notiek riska nodo\u0161ana.<\/p>\n<h3>Igaunijas vesel\u012bbas apdro\u0161in\u0101\u0161ana<\/h3>\n<p>Ikvienam Igaunij\u0101 katru reizi ir nepiecie\u0161ama der\u012bga vesel\u012bbas apdro\u0161in\u0101\u0161ana no <a href=\"https:\/\/www.workinestonia.com\/coming-to-estonia\/health-insurance\/#:~:text=You%20should%20have%20a%20valid,pay%20the%20social%20tax%20themselves.\" target=\"_blank\" rel=\"noopener\">Igaunijas slimokases<\/a> vai priv\u0101t\u0101 pakalpojumu sniedz\u0113ja. Pat ar ESI vesel\u012bbas apr\u016bpe valst\u012b nav piln\u012bgi bezmaksas, jo par da\u017eiem pakalpojumiem vai \u0101rst\u0113\u0161anu ir j\u0101maks\u0101. Personas, kur\u0101m ir ties\u012bbas uz slimn\u012bcu Igaunij\u0101:<\/p>\n<ul>\n<li>Darbinieki ar vismaz viena m\u0113ne\u0161a darba l\u012bgumu<\/li>\n<li>Darbinieki ar darba l\u012bgumu<\/li>\n<li>Juridiskas personas kontroles un vad\u012bbas instit\u016bcijas locek\u013ci<\/li>\n<li>Pakalpojumu vai darba samaksa Saist\u012bbu ties\u012bbu likuma l\u012bgum\u0101<\/li>\n<\/ul>\n<p>Kad persona ir ties\u012bga sa\u0146emt valsts vesel\u012bbas apdro\u0161in\u0101\u0161anu?<\/p>\n<ul>\n<li>Persona, kas str\u0101d\u0101 un veic nepiecie\u0161am\u0101s soci\u0101l\u0101s apdro\u0161in\u0101\u0161anas iemaksas<\/li>\n<li>Valsts darbinieka vai diplom\u0101ta nestr\u0101d\u0101jo\u0161a dz\u012bvesbiedre<\/li>\n<li>L\u012bdz 19 gadu vecumam neatkar\u012bgi no t\u0101, vai vi\u0146u vec\u0101ki str\u0101d\u0101 vai n\u0113<\/li>\n<li>Gr\u016btniece<\/li>\n<li>Inval\u012bda kurators<\/li>\n<li>Juridiskas personas vad\u012bbas valdes loceklis<\/li>\n<li>Apg\u0101d\u0101jams laul\u0101tais, k\u0101 ar\u012b tr\u012bs b\u0113rni l\u012bdz 16 gadiem<\/li>\n<li>Uz\u0146\u0113m\u0113jdarb\u012bbas ien\u0101kuma nodok\u013ca maks\u0101t\u0101js<\/li>\n<li>Personu, kas sa\u0146em atl\u012bdz\u012bbu vai pakalpojumu maksu, un juridisko personu kontroles vai vad\u012bbas instit\u016bciju loceklis<\/li>\n<li>Re\u0123istr\u0113ts Igaunijas Bezdarba apdro\u0161in\u0101\u0161anas fond\u0101 k\u0101 bezdarbnieks<\/li>\n<li>Apg\u0101d\u0101jams laul\u0101tais, kur\u0161 ir vec\u0101ks par 58 gadiem<\/li>\n<li>Individu\u0101lie uz\u0146\u0113m\u0113ji, k\u0101 ar\u012b vi\u0146u laul\u0101tie<\/li>\n<\/ul>\n<h2>Bezdarba apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Igaunij\u0101 ir tr\u012bs veidu darba tirgus pabalsti: <a href=\"https:\/\/www.euraxess.ee\/estonia\/information-assistance\/taxation-uneployment-and-pensions-estonia\/unemployment-estonia\" target=\"_blank\" rel=\"noopener\">pabalsts, izmitin\u0101\u0161anas un p\u0101rvieto\u0161an\u0101s pabalsts un bezdarbnieka pabalsts.<\/a> Bezdarba apdro\u0161in\u0101\u0161ana tiek izmaks\u0101ta, lai g\u016btu labumu darbiniekiem, ja vi\u0146i ir bezdarbnieki. Apdro\u0161in\u0101\u0161anas pabalstus var piepras\u012bt \u0161\u0101dos apst\u0101k\u013cos:<\/p>\n<ul>\n<li>Darba l\u012bguma termi\u0146a beigas<\/li>\n<li>Kad uz\u0146\u0113mums ir likvid\u0113ts<\/li>\n<li>Bezdarbnieks piespiedu k\u0101rt\u0101<\/li>\n<li>Darba dev\u0113js atce\u013c j\u016bsu l\u012bgumu ilgsto\u0161as darba nesp\u0113jas d\u0113\u013c<\/li>\n<li>Darba l\u012bguma izbeig\u0161ana p\u0101rbaudes laika d\u0113\u013c<\/li>\n<\/ul>\n<p>Papildus iepriek\u0161 min\u0113tajiem nosac\u012bjumiem, lai sa\u0146emtu pabalstus, ir j\u0101iev\u0113ro:<\/p>\n<ul>\n<li>Re\u0123istr\u0113ts k\u0101 bezdarbnieks<\/li>\n<li>iesniegt bezdarba apdro\u0161in\u0101\u0161anas pabalsta pieteikumu<\/li>\n<li>Veicis iemaksas vismaz 12 m\u0113ne\u0161us pirms re\u0123istr\u0113\u0161an\u0101s k\u0101 bezdarbnieks<\/li>\n<li>Pameta darbu nevi\u013cus<\/li>\n<\/ul>\n<h2>Automa\u0161\u012bnu apdro\u0161in\u0101\u0161ana<\/h2>\n<p>T\u0101pat k\u0101 <a href=\"https:\/\/expateuropa.com\/lv\/apdrosinasana-danija\/\">D\u0101nija<\/a> , <a href=\"https:\/\/expateuropa.com\/lv\/apdrosinasana-cehijas-republika\/\">\u010cehija<\/a> un citas Eiropas valstis, transportl\u012bdzek\u013cu \u012bpa\u0161nieku civiltiesisk\u0101s atbild\u012bbas apdro\u0161in\u0101\u0161ana (OCTA) ir oblig\u0101ta. Apdro\u0161in\u0101\u0161ana sedz zaud\u0113jumus, ko j\u016bsu transportl\u012bdzeklis nodar\u012bjis cit\u0101m person\u0101m, k\u0101 ar\u012b vi\u0146u \u012bpa\u0161umam. Apdro\u0161in\u0101\u0161ana galvenok\u0101rt ir sp\u0113k\u0101 pagalmos, autost\u0101vviet\u0101s, ce\u013cos un visur, kur notiek parast\u0101 satiksme.<\/p>\n<p>Papildus tre\u0161o personu apdro\u0161in\u0101\u0161anai Igaunijas automa\u0161\u012bnu \u012bpa\u0161nieki var veikt ar\u012b visaptvero\u0161o un pilno apdro\u0161in\u0101\u0161anu. Visaptvero\u0161\u0101 auto apdro\u0161in\u0101\u0161ana atl\u012bdzina ce\u013cu satiksmes negad\u012bjumus, dabas katastrofas, vand\u0101lismu, ugunsgr\u0113kus un z\u0101dz\u012bbas. T\u0101 ietver ar\u012b pal\u012bdz\u012bbu uz ce\u013ca, kas pal\u012bdz neparedz\u0113tu notikumu gad\u012bjum\u0101. Piln\u012bb\u0101 visaptvero\u0161\u0101 apdro\u0161in\u0101\u0161ana attiecas uz visu tre\u0161o personu un visaptvero\u0161o apdro\u0161in\u0101\u0161anu.<\/p>\n<h2>M\u0101jas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>M\u0101joklim, kas tiek lolots, ir j\u0101b\u016bt apdro\u0161in\u0101tam. M\u0101jas apdro\u0161in\u0101\u0161anas ieguvums ir t\u0101ds, ka av\u0101rijas gad\u012bjum\u0101 m\u0101ja vai dz\u012bvoklis tiks atjaunots. T\u0101pat aizsardz\u012bbu ieg\u016bst ar\u012b m\u0101j\u0101 eso\u0161\u0101s person\u012bg\u0101s mantas, tai skait\u0101 tehniskais apr\u012bkojums un m\u0113beles. Neatkar\u012bgi no abiem var g\u016bt labumu no net\u012b\u0161iem zaud\u0113jumiem, kas nodar\u012bti tre\u0161aj\u0101m person\u0101m.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-4309\" src=\"https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/house-fire-g3def1ec44_1920-300x201.jpg\" alt=\"\" width=\"300\" height=\"201\" title=\"\" srcset=\"https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/house-fire-g3def1ec44_1920-300x201.jpg 300w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/house-fire-g3def1ec44_1920-1024x685.jpg 1024w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/house-fire-g3def1ec44_1920-768x514.jpg 768w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/house-fire-g3def1ec44_1920-1536x1028.jpg 1536w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/house-fire-g3def1ec44_1920.jpg 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Pavado\u0161ais \u012bpa\u0161ums ir apdro\u0161in\u0101ts ar\u012b Igaunij\u0101 un vis\u0101 Eirop\u0101. <a href=\"https:\/\/www.if.ee\/en\/eraklient\/kindlustused\/kodukindlustus\" target=\"_blank\" rel=\"noopener\">Papildu \u012bpa\u0161um\u0101<\/a> ietilpst velosip\u0113ds, kamera un dators. Gad\u012bjum\u0101, ja m\u0101j\u0101 nok\u013c\u016bst \u016bdens, var atl\u012bdzin\u0101t m\u0101jas \u012bpa\u0161uma un iek\u0161\u0113j\u0101s apdares boj\u0101jumus. T\u0101d\u0113j\u0101di apdro\u0161in\u0101\u0161ana ir noz\u012bm\u012bga, jo sniedz m\u0101joklim dro\u0161\u012bbas saj\u016btu.<\/p>\n<h2>Dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Dz\u012bve nav m\u016b\u017e\u012bga, un tas noz\u012bm\u0113, ka cilv\u0113kiem ir j\u0101risina jaut\u0101jums par to, k\u0101 vi\u0146u \u0123imenes izdz\u012bvos vi\u0146u n\u0101ves gad\u012bjum\u0101. N\u0101ve parasti nost\u0101da apdraud\u0113t\u0101s finansi\u0101l\u0101s situ\u0101cijas \u0123imenes locek\u013cus, kas paliku\u0161i nov\u0101rt\u0101. T\u0101d\u0113j\u0101di, veicot dz\u012bv\u012bbas apdro\u0161in\u0101\u0161anu, \u0123imene ir dro\u0161\u012bb\u0101.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-4268\" src=\"https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/insurance-g9ea114562_1920-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" title=\"\" srcset=\"https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/insurance-g9ea114562_1920-300x200.jpg 300w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/insurance-g9ea114562_1920-1024x683.jpg 1024w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/insurance-g9ea114562_1920-768x512.jpg 768w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/insurance-g9ea114562_1920-1536x1024.jpg 1536w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/insurance-g9ea114562_1920.jpg 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana pal\u012bdz iz\u0146emt kreisos \u0123imenes locek\u013cus finansi\u0101l\u0101s gr\u016bt\u012bb\u0101s. Turkl\u0101t ar likum\u0101 noteiktajiem pabalstiem parasti nepietiek, un t\u0101p\u0113c ir svar\u012bgi tos papildin\u0101t ar dz\u012bv\u012bbas apdro\u0161in\u0101\u0161anu. Ar\u012b apdro\u0161in\u0101\u0161ana var segt apdro\u0161in\u0101t\u0101ju, ja vi\u0146i k\u013c\u016bst darba nesp\u0113j\u012bgi.<\/p>\n<h2>Ce\u013cojumu apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Ce\u013cojumu apdro\u0161in\u0101\u0161ana ir svar\u012bga, ja v\u0113las ce\u013cot pa Eiropu vai pat \u0101rpus t\u0101s. Izmantojot apdro\u0161in\u0101\u0161anu, visos ce\u013cojumos var sa\u0146emt <a href=\"https:\/\/www.if.ee\/en\/eraklient\/kindlustused\/reisikindlustus\" target=\"_blank\" rel=\"noopener\">ce\u013cojumu neveiksmju apdro\u0161in\u0101\u0161anu<\/a> , bag\u0101\u017eas apdro\u0161in\u0101\u0161anu un medic\u012bnisko apdro\u0161in\u0101\u0161anu. Apdro\u0161in\u0101\u0161ana pasarg\u0101 ce\u013cot\u0101ju no papildu izmaks\u0101m kav\u0113\u0161an\u0101s, atcel\u0161anas un p\u0101rtraukumu d\u0113\u013c.<\/p>\n<p>Ce\u013cojumu apdro\u0161in\u0101\u0161ana var pasarg\u0101t cilv\u0113ku, ja k\u0101ds \u013coti svar\u012bgs \u0123imenes loceklis ir slims vai miris un ce\u013cojums ir j\u0101atce\u013c. Bag\u0101\u017eas nozaud\u0113\u0161anas gad\u012bjumos var sa\u0146emt kompens\u0101ciju. Apdro\u0161in\u0101\u0161ana atl\u012bdzina ar\u012b \u012bpa\u0161uma z\u0101dz\u012bbu, papildu ce\u013ca izdevumus un boj\u0101jumus.<\/p>\n<h2>M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Igaunij\u0101 m\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana ir s\u0101kot no 7 \u20ac m\u0113nes\u012b. M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana sedz m\u0101jdz\u012bvnieku pret nozaud\u0113\u0161anu, z\u0101dz\u012bbu un n\u0101vi. T\u0101pat, veicot m\u0101jdz\u012bvnieka civiltiesisk\u0101s atbild\u012bbas apdro\u0161in\u0101\u0161anu, t\u0101 sedz zaud\u0113jumus, ko m\u0101jdz\u012bvnieks nodar\u012bjis cit\u0101m person\u0101m. Piem\u0113ram, ja suns traum\u0113 kaimi\u0146a suni, apdro\u0161in\u0101\u0161anas seguma komplekts ir atkar\u012bgs no dz\u012bvnieka \u0161\u0137irnes.<\/p>\n<h2>Tiesisk\u0101s aizsardz\u012bbas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Igaunij\u0101 tiesisk\u0101s aizsardz\u012bbas apdro\u0161in\u0101\u0161ana aizsarg\u0101 indiv\u012bdu, k\u0101 ar\u012b \u0123imeni pret negaid\u012btu juridisku izaicin\u0101jumu dz\u012bv\u0113. Tas sedz izmaksas, kas saist\u012btas ar neparedz\u0113tiem juridiskiem jaut\u0101jumiem, tostarp advok\u0101ta izdevumus un juridisk\u0101s maksas. Izmaksas tiek segtas neatkar\u012bgi no puses, kas zi\u0146oja par lietu.<\/p>\n<h2>\u0122imenes vai personisk\u0101s atbild\u012bbas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>\u0122imenes vai priv\u0101tpersonu civiltiesisk\u0101s atbild\u012bbas apdro\u0161in\u0101\u0161ana atl\u012bdzina \u012bpa\u0161uma boj\u0101jumus un tre\u0161o personu pretlikum\u012bgi nodar\u012btos miesas boj\u0101jumus. Apdro\u0161in\u0101\u0161ana ir sp\u0113k\u0101 Igaunij\u0101, un t\u0101 sedz ar\u012b b\u0113rnu, kas jaun\u0101ki par 18 gadiem, un m\u0101jdz\u012bvnieku rad\u012btos zaud\u0113jumus.<\/p>\n<h2>Popul\u0101ras apdro\u0161in\u0101\u0161anas komp\u0101nijas Igaunij\u0101<\/h2>\n<ul>\n<li>Igaunijas Apdro\u0161in\u0101\u0161anas asoci\u0101cija<\/li>\n<li>Igaunijas vesel\u012bbas apdro\u0161in\u0101\u0161ana<\/li>\n<li>IIZI kindlustusmaakler AS &#8211;<\/li>\n<li>Pe\u013c\u0146as programmat\u016bra<\/li>\n<li>AXA<\/li>\n<li>Ja<\/li>\n<li>SE Sampo Life Insurance Baltic<\/li>\n<li>Apdro\u0161in\u0101\u0161anas sabiedr\u012bba Seesam<\/li>\n<li>Kindlustuse ABC<\/li>\n<li>Vagner Kindlustusmaakler AS<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nav lab\u0101ka veida, k\u0101 izbaud\u012bt Igauniju, k\u0101 vispirms ieg\u016bt uzticamu apdro\u0161in\u0101\u0161anas segumu. J\u016bs, t\u0101pat k\u0101&#8230;<\/p>\n","protected":false},"author":5,"featured_media":4227,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1291],"tags":[890,715,886,718,717,716],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/5389"}],"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=5389"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/5389\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media\/4227"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media?parent=5389"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/categories?post=5389"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/tags?post=5389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}