{"id":5476,"date":"2022-03-17T11:00:46","date_gmt":"2022-03-17T10:00:46","guid":{"rendered":"https:\/\/expateuropa.com\/apdrosinasana-francija\/"},"modified":"2022-03-17T11:00:46","modified_gmt":"2022-03-17T10:00:46","slug":"apdrosinasana-francija","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/lv\/apdrosinasana-francija\/","title":{"rendered":"Apdro\u0161in\u0101\u0161ana Francij\u0101"},"content":{"rendered":"<p>Apdro\u0161in\u0101\u0161ana Francij\u0101, iesp\u0113jams, ir viena no liet\u0101m, ko k\u0101ds vienk\u0101r\u0161i var uzskat\u012bt par nevajadz\u012bgu. K\u0101 jau bija gaid\u0101ms, p\u0101rce\u013coties uz dz\u012bvi Francij\u0101 vai jau tur dz\u012bvojot, indiv\u012bdu aktivit\u0101\u0161u grozs jau ir pilns. Var b\u016bt maz laika vai visp\u0101r nav laika velt\u012bt p\u0101rdom\u0101m par nepiecie\u0161am\u012bbu aizsarg\u0101t sevi pret nelaimi. Bet vai vari uz mirkli poz\u0113t un padom\u0101t par to, ja saslimsi ar milz\u012bgu slimn\u012bcas r\u0113\u0137inu vai pazaud\u0113si \u012bpa\u0161umu. <a href=\"https:\/\/www.bethelripon.com\/life-stories\/horatio-gates-spafford\" target=\"_blank\" rel=\"noopener\">St\u0101sts par Horatio Spafford<\/a> ir piem\u0113rs tam, k\u0101 tas k\u013c\u016bst neskaidrs, mulsino\u0161s un izmis\u012bgs, kad esat spiests burtiski t\u0113r\u0113t to, kas jums nav. \u0160eit st\u0101jas sp\u0113k\u0101 j\u016bsu apdro\u0161in\u0101\u0161ana. Ar apdro\u0161in\u0101\u0161anas segumu Francij\u0101 tas ir p\u0101rliecin\u0101ts, ka viss b\u016bs k\u0101rt\u012bb\u0101.<\/p>\n<p>Apdro\u0161in\u0101\u0161ana ir sare\u017e\u0123\u012bta, jo t\u0101 ir k\u0101 sol\u012bjuma pirk\u0161ana. Iemesls ir t\u0101ds, ka tas pal\u012bdz indiv\u012bdam vai uz\u0146\u0113mumam s\u0101kt visu no jauna, ja kaut kas notiek. Turkl\u0101t tas pal\u012bdz cilv\u0113kiem aizsarg\u0101t sevi, savas \u0123imenes un \u012bpa\u0161umus.<\/p>\n<p>Pat Francijas ekonomik\u0101 apdro\u0161in\u0101\u0161anai ir noz\u012bm\u012bga loma t\u0101s att\u012bst\u012bb\u0101. Tas ir t\u0101p\u0113c, ka tas pied\u0101v\u0101 dro\u0161\u012bbu un dro\u0161\u012bbu uz\u0146\u0113mumiem, k\u0101 ar\u012b priv\u0101tperson\u0101m. T\u0101pat apdro\u0161in\u0101\u0161ana veicina ekonomikas izaugsmi, izklied\u0113 riskus un rada ilgtermi\u0146a finan\u0161u resursus.<\/p>\n<h2>Vesel\u012bbas apdro\u0161in\u0101\u0161ana Francij\u0101<\/h2>\n<p>Katrai personai, kas dz\u012bvo Francij\u0101, ir j\u0101sa\u0146em bezmaksas vesel\u012bbas apdro\u0161in\u0101\u0161anas segums neatkar\u012bgi no vi\u0146u ekonomisk\u0101s situ\u0101cijas vai vecuma. Univers\u0101lais nodro\u0161in\u0101jums sast\u0101v no priv\u0101tiem un sabiedriskiem pakalpojumiem, tostarp speci\u0101listu pakalpojumu sniedz\u0113jiem, slimn\u012bc\u0101m un \u0101rstiem. Francijas vesel\u012bbas apdro\u0161in\u0101\u0161anas iemaksas pied\u0101v\u0101 da\u013c\u0113ju valsts vesel\u012bbas apr\u016bpi valst\u012b. Darba dev\u0113js maks\u0101 ap 13%, savuk\u0101rt darbinieks maks\u0101 8%.<\/p>\n<p>Vald\u012bba un pacients da\u013c\u0113ji sedz iemaksas vesel\u012bbas apr\u016bpes izmaks\u0101s. Valsts vesel\u012bbas apdro\u0161in\u0101\u0161ana sedz no 70 l\u012bdz 100% no izmaks\u0101m, ieskaitot slimn\u012bcas izmaksas un \u0101rsta apmekl\u0113jumus. Par laimi, ilgsto\u0161i un maznodro\u0161in\u0101tie slimie pacienti sa\u0146em 100% segumu.<\/p>\n<p>Papildus valsts vesel\u012bbas apdro\u0161in\u0101\u0161anai Francijas iedz\u012bvot\u0101ji var veikt priv\u0101tu vesel\u012bbas apdro\u0161in\u0101\u0161anu. T\u0101 aptver piek\u013cuvi vesel\u012bbas speci\u0101listiem, priv\u0101tu maternit\u0101ti un glob\u0101lu \u0101rstu t\u012bklu. \u0100rzemnieki Francij\u0101, kas tur dz\u012bvo vair\u0101k nek\u0101 3 m\u0113ne\u0161us, var piek\u013c\u016bt vesel\u012bbas apr\u016bpei, izmantojot <a href=\"https:\/\/www.expatica.com\/fr\/healthcare\/healthcare-basics\/a-guide-to-the-french-healthcare-system-101166\/\" target=\"_blank\" rel=\"noopener\">Protection Universelle Maladie (PUMA)<\/a> .<\/p>\n<p>Dokumenti, kas nepiecie\u0161ami vesel\u012bbas apr\u016bpes re\u0123istr\u0101cijai Francij\u0101, ietver:<\/p>\n<ul>\n<li>Ien\u0101kumu pier\u0101d\u012bjumi, iesniedzot pieteikumu CMU-C<\/li>\n<li>Pase vai der\u012bgs ID<\/li>\n<li>Laul\u012bbas vai dzim\u0161anas apliec\u012bba, ja ir \u0123imenes iek\u013cau\u0161ana<\/li>\n<li>Adreses apliecin\u0101jums, ieskaitot Francijas komun\u0101lo pakalpojumu r\u0113\u0137inu<\/li>\n<li>Francijas dz\u012bvesvietas pier\u0101d\u012bjums<\/li>\n<\/ul>\n<h2>Bezdarba apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Alocation d&#8217;aide au retour \u00e0 l&#8217;emploi jeb, pareiz\u0101k sakot, atgrie\u0161an\u0101s darb\u0101 pabalstu darbiniekiem izmaks\u0101 bezdarba apdro\u0161in\u0101\u0161ana. To maks\u0101 p\u0113c tam, kad k\u0101ds zaud\u0113 darbu.<\/p>\n<p>Nosac\u012bjumi, kas j\u0101iev\u0113ro, lai sa\u0146emtu bezdarbnieka pabalstu<\/p>\n<ul>\n<li>Ir fiziskas sp\u0113jas veikt darbu<\/li>\n<li>Par\u0101da atlai\u0161anu vai bezdarba p\u0101rtrauk\u0161anu<\/li>\n<li>Re\u0123istr\u0113jieties <a href=\"http:\/\/www.pole-emploi.fr\/accueil\/\" target=\"_blank\" rel=\"noopener\">P\u00f4le, nodarbiniet<\/a> k\u0101 darba mekl\u0113t\u0101js<\/li>\n<li>Pie\u0146emiet sapr\u0101t\u012bgus darba pied\u0101v\u0101jumus<\/li>\n<li>Nav sasniegusi vecumu, lai sa\u0146emtu pilnu pensiju<\/li>\n<li>Akt\u012bva darba mekl\u0113\u0161ana<\/li>\n<li>Ir j\u0101b\u016bt zin\u0101mai pieder\u012bbai sist\u0113mai<\/li>\n<\/ul>\n<p>Bezdarbniekiem, kuri ir kvalific\u0113ti bezdarba apdro\u0161in\u0101\u0161anai, ir ties\u012bbas uz darba atgrie\u0161anas pabalsta (ARE) summu. Turkl\u0101t ir svar\u012bgi \u0146emt v\u0113r\u0101, ka summa nevar b\u016bt liel\u0101ka par 75% vai maz\u0101ka par 57% no dienas b\u0101zes algas. Ja k\u0101ds str\u0101d\u0101 nepilnu slodzi, tad summa tiek proporcion\u0101li samazin\u0101ta.<\/p>\n<h2>Automa\u0161\u012bnu apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Vid\u0113j\u0101 automa\u0161\u012bnas apdro\u0161in\u0101\u0161anas summa Francij\u0101 ir aptuveni 400 eiro. Transportl\u012bdzek\u013ca apdro\u0161in\u0101\u0161ana ir oblig\u0101ta ikvienam autovad\u012bt\u0101ja \u012bpa\u0161niekam. Turkl\u0101t \u0161\u012b ir otr\u0101 popul\u0101r\u0101k\u0101 apdro\u0161in\u0101\u0161ana aiz vesel\u012bbas, un tai ir nepiecie\u0161ama vismaz tre\u0161\u0101s puses atbild\u012bba. Sods par transportl\u012bdzek\u013ca neapdro\u0161in\u0101\u0161anu valst\u012b ir aptuveni 3750 eiro.<\/p>\n<p>Tre\u0161\u0101s puses atbild\u012bba vai civiltiesisk\u0101 atbild\u012bba apdro\u0161ina transportl\u012bdzekli pret savainojumiem un boj\u0101jumiem tre\u0161o personu izrais\u012btiem incidentiem. Turkl\u0101t taj\u0101 ir iek\u013cauti ar\u012b pasa\u017eieri sav\u0101 automa\u0161\u012bn\u0101. Ta\u010du \u0161\u0101da veida apdro\u0161in\u0101\u0161ana nesedz pa\u0161a (vad\u012bt\u0101ja) izmaksas, tai skait\u0101 automa\u0161\u012bnai nodar\u012btos boj\u0101jumus. Francij\u0101 ir ar\u012b tre\u0161\u0101s puses plus. Tas atl\u012bdzina automa\u0161\u012bnas izmaksas, kas radu\u0161\u0101s <a href=\"https:\/\/www.abnamro.nl\/en\/personal\/insurance\/car-insurance\/index.html?ext=DS3_DB4444_Verzekeren:NL%20Particulier:Googlepaid:Autoverzekering_o_CP0001740_S:NBR:+Autoverzekering+-+Engels+-+2022_Do_Continu_Search-Ads_AdWords_85388-189336_578653_NVT_CDX_CC-Autover_Car+Insurance+-+Phrase_car%20insurance-p&amp;extid=DS3:700000001036385:71700000084612751:58700007170996122:43700064419930542&amp;ad_id=sa360_535965965239&amp;keyword_id=sa360_43700064419930542&amp;campaigncode=RB_66&amp;gclid=CjwKCAiAg6yRBhBNEiwAeVyL0MF4YIQc7LyF21HYsobK_QlOh7Eo_MGwQQYar1l3BMEQNAhgRFE5UxoCjqUQAvD_BwE&amp;gclsrc=aw.ds\" target=\"_blank\" rel=\"noopener\">uzbrukumu, dabas katastrofu vai pat nejau\u0161u boj\u0101jumu rezult\u0101t\u0101.<\/a><\/p>\n<p>Francij\u0101 faktori, ko izmanto, lai noteiktu automa\u0161\u012bnas apdro\u0161in\u0101\u0161anas izmaksas, ir vad\u012bt\u0101ja vecums, profils, transportl\u012bdzek\u013ca v\u0113rt\u012bba, atra\u0161an\u0101s vieta, brauk\u0161anas bie\u017eums un transportl\u012bdzek\u013ca izmanto\u0161anas m\u0113r\u0137i. Ir ar\u012b visaptvero\u0161s segums, ko var pievienot tre\u0161\u0101s puses apdro\u0161in\u0101\u0161anai. T\u0101 sedz zaud\u0113jumus tre\u0161aj\u0101m person\u0101m, z\u0101dz\u012bbu, logu boj\u0101jumus, ugunsgr\u0113ku, k\u0101 ar\u012b personas nodar\u012btos boj\u0101jumus pa\u0161as personas automa\u0161\u012bnai.<\/p>\n<h2>M\u0101jas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Vid\u0113j\u0101s m\u0101jas apdro\u0161in\u0101\u0161anas izmaksas ir aptuveni 248 eiro. M\u0101jok\u013ca apdro\u0161in\u0101\u0161ana ir oblig\u0101ta \u012brniekiem, pat ja m\u0101joklis ir m\u0113bel\u0113ts vai ne tik labi k\u0101 kop\u012bpa\u0161niekiem. L\u012bdz\u012bpa\u0161nieki ir cilv\u0113ki, kuriem pieder daudz kop\u012bpa\u0161umu, un tas attiecas uz tre\u0161aj\u0101m person\u0101m, kaimi\u0146iem, l\u012bdz\u012bpa\u0161niekiem un da\u017eos gad\u012bjumos ar\u012b \u012brniekiem.<\/p>\n<p>Papildus tre\u0161\u0101s puses m\u0101jok\u013ca apdro\u0161in\u0101\u0161anai ir pieejams visaptvero\u0161s segums. Tas atl\u012bdzina m\u0101jas saturu vand\u0101lisma, z\u0101dz\u012bbas, \u016bdens vai ugunsgr\u0113ka d\u0113\u013c. Ir ar\u012b \u012brnieku apdro\u0161in\u0101\u0161ana, kas pal\u012bdz aizsarg\u0101t vi\u0146u mantas.<\/p>\n<h2>Dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>At\u0161\u0137ir\u012bb\u0101 no t\u0101d\u0101m valst\u012bm k\u0101 <a href=\"https:\/\/expateuropa.com\/lv\/apdrosinasana-cehijas-republika\/\">\u010cehija<\/a> , Francij\u0101 dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana ir pievilc\u012bga un stabila uzkr\u0101jumu iesp\u0113ja. T\u0101 \u012bpa\u0161niekiem nodro\u0161ina da\u017eas fisk\u0101las priek\u0161roc\u012bbas. Assurance Vie pal\u012bdz p\u0101rvald\u012bt finan\u0161u akt\u012bvus, k\u0101 ar\u012b nodro\u0161in\u0101t iesp\u0113jamos nodok\u013cu ietaup\u012bjumu ieguvumus. Turkl\u0101t apdro\u0161in\u0101\u0161ana aizsarg\u0101 personas n\u0101ves gad\u012bjum\u0101.<\/p>\n<h2>Ce\u013cojumu apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Ce\u013cojot uz Franciju, liel\u0101k\u0101 da\u013ca ce\u013cojumu parasti ir noziedz\u012bgi un bez probl\u0113m\u0101m. Tom\u0113r lielas pils\u0113tas, piem\u0113ram, Marse\u013ca un Par\u012bze, ir noziedz\u012bbas karstie punkti. T\u0101p\u0113c, ce\u013cojot uz Franciju, ir svar\u012bgi pa\u0146emt apdro\u0161in\u0101\u0161anas segumu. Turkl\u0101t apdro\u0161in\u0101\u0161ana ir svar\u012bga person\u0101m, kas ce\u013co \u0101rpus Francijas, jo cit\u0101s valst\u012bs notiek ielu noziegumi un kr\u0101pniec\u012bba.<\/p>\n<p>Ce\u013cojumu apdro\u0161in\u0101\u0161ana ir svar\u012bga ar\u012b t\u0101p\u0113c, ka atsevi\u0161\u0137os gad\u012bjumos ce\u013cojums var tikt atcelts, un caur to var sa\u0146emt atmaksu. P\u0101r\u0113j\u0101s lietas, ko sedz apdro\u0161in\u0101\u0161ana, ietver nozagtas v\u0113rtslietas, juridiskos izdevumus un pat slimo\u0161anu.<\/p>\n<h2>M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Lai sa\u0146emtu m\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161anu, nav j\u0101b\u016bt Francijas pilsonim. T\u0101 viet\u0101 ikviens, kam ir re\u0123istr\u0113ta past\u0101v\u012bg\u0101 adrese, var apdro\u0161in\u0101ties. Apdro\u0161in\u0101\u0161ana ietver dz\u012bv\u012bbas apdro\u0161in\u0101\u0161anu, kas pied\u0101v\u0101 vienu m\u0101jdz\u012bvnieka v\u0113rt\u012bbai l\u012bdzv\u0113rt\u012bgu atl\u012bdz\u012bbu n\u0101ves gad\u012bjum\u0101. Savuk\u0101rt veterin\u0101r\u0101s apr\u016bpes apdro\u0161in\u0101\u0161ana dod sirdsmieru m\u0101jdz\u012bvnieka savainojuma vai slim\u012bbas gad\u012bjum\u0101, t\u0101p\u0113c ir j\u0101apmekl\u0113 veterin\u0101r\u0101rsts.<\/p>\n<h2>Juridisk\u0101 apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Francijas iedz\u012bvot\u0101jam ir v\u0113rts apsv\u0113rt juridisko apdro\u0161in\u0101\u0161anu. Politika ir garantijas aizsardz\u012bbas juridique. Apdro\u0161in\u0101\u0161ana parasti pal\u012bdz indiv\u012bdam ieg\u016bt vajadz\u012bg\u0101s juridisk\u0101s zin\u0101\u0161anas, tostarp izmaksu atl\u012bdzin\u0101\u0161anu.<\/p>\n<h2>Pa\u0161nodarbin\u0101to personu apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Francijas soci\u0101l\u0101 nodro\u0161in\u0101juma sist\u0113m\u0101 ir pa\u0161nodarbin\u0101to personu sh\u0113ma pa\u0161nodarbin\u0101t\u0101m person\u0101m, kuras nenodarbojas ar lauksaimniec\u012bbu. P\u0113c re\u0123istr\u0113\u0161an\u0101s <a href=\"https:\/\/www.french-property.com\/guides\/france\/working-in-france\/micro-entrepreneur-business-france\/\" target=\"_blank\" rel=\"noopener\"><em><strong>Micro-Entrepreneur<\/strong><\/em><\/a> <em><strong>\u0161ie<\/strong><\/em> <strong>cilv\u0113ki autom\u0101tiski sa\u0146em vesel\u012bbas segumu.<\/strong> <\/p>\n<h2>Popul\u0101ras apdro\u0161in\u0101\u0161anas komp\u0101nijas Francij\u0101<\/h2>\n<ul>\n<li>PREDICA-PREVOYANCE DIALOGUE DU CREDIT AGRICOLE Par\u012bze<\/li>\n<li>AXA GLOBAL RE Paris<\/li>\n<li>Cr\u00e9dit Agricole Assurances<\/li>\n<li>AVIVA ASSURANCES SOCIETE ANONYME D&#8217;ASSURANCES INCENDIE NELAIMES UN RISQUES DIVERS EN ABRE Bois-Colombes<\/li>\n<li>GROUPAMA MEDITERRANEE Eksanprovansa<\/li>\n<li>CNP garantija<\/li>\n<li>UNION MUT GESTION GROUPE HOSP MUTUALISTE DE GRENOBLE Grenoble<\/li>\n<li>MUTUALITE BRETAGNE SANITAIRE ET SOCIAL Lorient<\/li>\n<li>AESIO SANTE SUD RHONE ALPES Valence<\/li>\n<li>ACM Strasbourg<\/li>\n<li>Abnamro<\/li>\n<li>Aviva Francija<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Apdro\u0161in\u0101\u0161ana Francij\u0101, iesp\u0113jams, ir viena no liet\u0101m, ko k\u0101ds vienk\u0101r\u0161i var uzskat\u012bt par nevajadz\u012bgu. K\u0101&#8230;<\/p>\n","protected":false},"author":5,"featured_media":4432,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[601],"tags":[890,715,1451,1447,718,717,1352,716],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/5476"}],"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=5476"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/5476\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media\/4432"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media?parent=5476"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/categories?post=5476"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/tags?post=5476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}