{"id":5516,"date":"2022-03-15T21:33:13","date_gmt":"2022-03-15T20:33:13","guid":{"rendered":"http:\/\/expateuropa.com\/apdrosinasana-vacija\/"},"modified":"2024-08-03T12:25:24","modified_gmt":"2024-08-03T10:25:24","slug":"apdrosinasana-vacija","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/lv\/apdrosinasana-vacija\/","title":{"rendered":"Apdro\u0161in\u0101\u0161ana V\u0101cij\u0101"},"content":{"rendered":"<p>Apdro\u0161in\u0101\u0161ana V\u0101cij\u0101 sniedz jums k\u0101 valsts iedz\u012bvot\u0101jam vai apmekl\u0113t\u0101jam iesp\u0113ju baud\u012bt valsts labumus. Faktiski pareiza apdro\u0161in\u0101\u0161ana V\u0101cij\u0101 nenoz\u012bm\u0113, ka apgabals ir nedro\u0161s. Apdro\u0161in\u0101\u0161ana \u0161aj\u0101 gad\u012bjum\u0101 r\u016bp\u0113jas par daudz\u0101m liet\u0101m, kas diem\u017e\u0113l var notikt un izmest j\u016bs no bud\u017eeta.<\/p>\n<p>Apdro\u0161in\u0101t\u0101ji V\u0101cij\u0101 ir dro\u0161s un g\u0101d\u012bgs partneris visnepiecie\u0161am\u0101kaj\u0101 viet\u0101. V\u0101cij\u0101 ir da\u017e\u0101di apdro\u0161in\u0101\u0161anas veidi, un tiem ir liela noz\u012bme ikdienas aktivit\u0101\u0161u veik\u0161an\u0101. Piem\u0113ram, V\u0101cij\u0101 apdro\u0161in\u0101\u0161ana sp\u0113l\u0113 savu lomu \u0123imenes un vi\u0146u pa\u0161u pasarg\u0101\u0161an\u0101 no finansi\u0101liem zaud\u0113jumiem. Turkl\u0101t apdro\u0161in\u0101\u0161ana pal\u012bdz uztur\u0113t \u0123imenes dz\u012bves l\u012bmeni darba zaud\u0113\u0161anas vai n\u0101ves gad\u012bjum\u0101. V\u0101cijas apdro\u0161in\u0101\u0161anu regul\u0113 Feder\u0101l\u0101 finan\u0161u uzraudz\u012bbas iest\u0101de.<\/p>\n<h2>Vesel\u012bbas apdro\u0161in\u0101\u0161ana V\u0101cija<\/h2>\n<p>V\u0101cij\u0101 ir bezmaksas vesel\u012bbas apr\u016bpe, un t\u0101 tiek finans\u0113ta no likum\u0101 noteiktaj\u0101m iemaks\u0101m. Turkl\u0101t V\u0101cijas iedz\u012bvot\u0101jiem ir at\u013cauts veikt priv\u0101to vesel\u012bbas apdro\u0161in\u0101\u0161anu (Private Krankenversicherung). Visi V\u0101cijas iedz\u012bvot\u0101ji var piek\u013c\u016bt vesel\u012bbas apr\u016bpei, izmantojot valsts vesel\u012bbas apdro\u0161in\u0101\u0161anu. Citi Eiropas Savien\u012bbas iedz\u012bvot\u0101ji var piek\u013c\u016bt vesel\u012bbas apr\u016bpei V\u0101cij\u0101, izmantojot EVAK.<\/p>\n<p>Darbinieks, kur\u0161 nopelna maz\u0101k nek\u0101 EUR 57 600 gad\u0101, piedal\u0101s <a href=\"https:\/\/www.expatica.com\/de\/healthcare\/healthcare-basics\/german-healthcare-system-103359\/\">Gesetzliche Krankenversicherun<\/a> (valsts vesel\u012bbas sh\u0113m\u0101). Lai re\u0123istr\u0113tos vesel\u012bbas apr\u016bpei v\u0101cu valod\u0101, j\u0101apmekl\u0113 Einwohnermeldeamt (r\u0101tsnams). P\u0113c re\u0123istr\u0101cijas persona sa\u0146em Sozialversicherungsnummer vai V\u0101cijas soci\u0101l\u0101s apdro\u0161in\u0101\u0161anas numuru.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-medium wp-image-4186\" src=\"http:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/doctor-g1a4ffccb7_1920-300x193.jpg\" alt=\"\" width=\"300\" height=\"193\" srcset=\"https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/doctor-g1a4ffccb7_1920-300x193.jpg 300w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/doctor-g1a4ffccb7_1920-1024x660.jpg 1024w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/doctor-g1a4ffccb7_1920-768x495.jpg 768w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/doctor-g1a4ffccb7_1920-1536x990.jpg 1536w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/doctor-g1a4ffccb7_1920.jpg 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>V\u0101cijas iedz\u012bvot\u0101ji var izv\u0113l\u0113ties valsts apdro\u0161in\u0101\u0161anu un priv\u0101tu vesel\u012bbas apdro\u0161in\u0101\u0161anu. Lai to izdar\u012btu, ir j\u0101atbilst \u0161\u0101diem nosac\u012bjumiem:<\/p>\n<ul>\n<li>Valsts darbinieks vai ier\u0113dnis<\/li>\n<li>M\u0101kslinieks<\/li>\n<li>\u0100r\u0161tata profesion\u0101lis<\/li>\n<li>Pa\u0161nodarbin\u0101ts<\/li>\n<li>Str\u0101d\u0101t nepilnu darba laiku, nopelnot maz\u0101k par 450 eiro m\u0113nes\u012b<\/li>\n<li>Darbinieks, kur\u0161 nopelna vair\u0101k nek\u0101 57 600 eiro<\/li>\n<\/ul>\n<h2>Bezdarba apdro\u0161in\u0101\u0161ana<\/h2>\n<p>V\u0101cij\u0101 bezdarba apdro\u0161in\u0101\u0161an\u0101 b\u016btu j\u0101iemaks\u0101 apm\u0113ram 2,5% no saviem nopeln\u012btajiem ien\u0101kumiem. Pusi un pusi maks\u0101 gan darba dev\u0113js, gan darbinieks. T\u0101l\u0101k ir nor\u0101d\u012btas bezdarbnieku atbilst\u012bbas pras\u012bbas:<\/p>\n<ul>\n<li>Nav darba vai str\u0101d\u0101 maz\u0101k par 15 stund\u0101m ned\u0113\u013c\u0101<\/li>\n<li>Re\u0123istr\u0113jies darba biroj\u0101 un iesniedzis pieteikumu bezdarbnieka pabalsta sa\u0146em\u0161anai<\/li>\n<li>Pieejams darbam<\/li>\n<li>ir pabeigu\u0161i kvalifik\u0101cijas periodu, kas veic iemaksas vismaz 12 m\u0113ne\u0161us no 24 m\u0113ne\u0161iem pirms bezdarba<\/li>\n<li>Vair\u0101ku darba pieteikumu iesnieg\u0161ana<\/li>\n<\/ul>\n<p>Ja k\u0101ds nav ties\u012bgs sa\u0146emt bezdarbnieka pabalstu V\u0101cij\u0101, vi\u0146\u0161 var sa\u0146emt bezdarbnieka pabalstu II. Nosac\u012bjumi ietver personu, kurai nepiecie\u0161ams atbalsts, darbasp\u0113jai vecum\u0101 no 15 l\u012bdz 65 gadiem un V\u0101cijas Federat\u012bv\u0101s Republikas iedz\u012bvot\u0101jam. Run\u0101jot par pabalstiem, bezdarbnieki ar b\u0113rniem <a href=\"https:\/\/ec.europa.eu\/social\/main.jsp?catId=1111&amp;langId=en&amp;intPageId=4557#:~:text=The%20contribution%20rate%20for%20unemployment,the%20employee%20and%20the%20employer.\">sa\u0146em 67%, bet nesa\u0146emot 60%<\/a> .<\/p>\n<h2>Automa\u0161\u012bnu apdro\u0161in\u0101\u0161ana<\/h2>\n<p>T\u0101pat k\u0101 vesel\u012bbas apdro\u0161in\u0101\u0161ana, ar\u012b automa\u0161\u012bnu apdro\u0161in\u0101\u0161ana V\u0101cij\u0101 ir oblig\u0101ta. T\u0101p\u0113c katram transportl\u012bdzeklim ir nepiecie\u0161ama minim\u0101l\u0101 tre\u0161\u0101s puses apdro\u0161in\u0101\u0161ana. V\u0101cij\u0101 un liel\u0101kaj\u0101 da\u013c\u0101 Eiropas valstu apdro\u0161in\u0101ts ir transportl\u012bdzeklis, nevis vad\u012bt\u0101js. Tre\u0161\u0101s personas apdro\u0161in\u0101\u0161ana atl\u012bdzina citu transportl\u012bdzek\u013cu boj\u0101jumus un medic\u012bnisk\u0101s izmaksas av\u0101rijas gad\u012bjum\u0101.<\/p>\n<p><a href=\"https:\/\/www.iamexpat.de\/expat-info\/driving-germany\/car-insurance\">Teilkasko<\/a> jeb da\u013c\u0113jais segums apdro\u0161ina visu tre\u0161aj\u0101 da\u013c\u0101, k\u0101 ar\u012b izmaksas, kas saist\u012btas ar sava transportl\u012bdzek\u013ca boj\u0101jumiem. P\u0101r\u0113j\u0101s apdro\u0161in\u0101\u0161an\u0101 iek\u013caut\u0101s lietas ir v\u0113tras post\u012bjumi un ugunsgr\u0113ks. Diem\u017e\u0113l vand\u0101lisms netiek segts, ja t\u0101 ir j\u016bsu vaina.<\/p>\n<p>Kompleks\u0101 apdro\u0161in\u0101\u0161ana sedz visas izmaksas. Pat tad, kad cilv\u0113ki saboj\u0101 savus transportl\u012bdzek\u013cus, vi\u0146i tiek segti. Auto apdro\u0161in\u0101\u0161anas izmaks\u0101s V\u0101cij\u0101 \u0146emti v\u0113r\u0101 \u0161\u0101di faktori:<\/p>\n<ul>\n<li>Transportl\u012bdzek\u013ca lieto\u0161ana<\/li>\n<li>Vad\u012bt\u0101ja vecums<\/li>\n<li>Transportl\u012bdzek\u013ca v\u0113rt\u012bba<\/li>\n<li>Vad\u012bt\u0101ja ieraksts un pieredze<\/li>\n<li>Apdro\u0161in\u0101to autovad\u012bt\u0101ju skaits<\/li>\n<li>atra\u0161an\u0101s vieta<\/li>\n<\/ul>\n<h2>M\u0101jas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Ikviens sap\u0146o par savu m\u0101ju. T\u0101d\u0113j\u0101di m\u0101jas apdro\u0161in\u0101\u0161ana pal\u012bdz segt boj\u0101jumus vai zaud\u0113jumus, kas m\u0101joklim nodar\u012bti negad\u012bjumu d\u0113\u013c. Negad\u012bjumos ietilpst dabas katastrofas, ugunsgr\u0113ki, zemestr\u012bces, zibens un pl\u016bdi.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-medium wp-image-4145\" src=\"http:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/house-fire-ge079e5494_1920-300x201.jpg\" alt=\"\" width=\"300\" height=\"201\" srcset=\"https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/house-fire-ge079e5494_1920-300x201.jpg 300w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/house-fire-ge079e5494_1920-1024x685.jpg 1024w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/house-fire-ge079e5494_1920-768x514.jpg 768w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/house-fire-ge079e5494_1920-1536x1028.jpg 1536w, https:\/\/expateuropa.com\/wp-content\/uploads\/2022\/03\/house-fire-ge079e5494_1920.jpg 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>V\u0101cij\u0101 ir tr\u012bs galven\u0101s m\u0101jok\u013ca apdro\u0161in\u0101\u0161anas iesp\u0113jas. Tie ietver m\u0101ju \u012bpa\u0161nieku civiltiesisk\u0101s atbild\u012bbas apdro\u0161in\u0101\u0161anu, kas sedz kustamas mantas, tostarp apr\u012bkojumu, m\u0113beles un ap\u0123\u0113rbu. \u0112kas apdro\u0161in\u0101\u0161ana sedz fiks\u0113tu \u012bpa\u0161umu, piem\u0113ram, griestus, gr\u012bdas un sienas. M\u0101jas iedz\u012bves apdro\u0161in\u0101\u0161ana sedz nelaimes gad\u012bjumus m\u0101jokl\u012b, kas izraisa traumas.<\/p>\n<h2>Dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>T\u0101pat k\u0101 nor\u0101da nosaukums, dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana sedz dz\u012bv\u012bbu V\u0101cij\u0101. Apdro\u0161in\u0101\u0161ana ir svar\u012bga, lai nodro\u0161in\u0101tu apg\u0101d\u0101jamo finansi\u0101lo dro\u0161\u012bbu priek\u0161laic\u012bgas n\u0101ves gad\u012bjum\u0101. Cilv\u0113ki, kuriem V\u0101cij\u0101 nepiecie\u0161ama dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana, ir uz\u0146\u0113mumu \u012bpa\u0161nieki, veci pieaugu\u0161ie bez uzkr\u0101jumiem, pieaugu\u0161ie ar studentu kred\u012btiem, galvenie \u0123imenes peln\u012bt\u0101ji un vec\u0101ki ar maziem b\u0113rniem .<\/p>\n<p>V\u0101cij\u0101 dz\u012bv\u012bbas apdro\u0161in\u0101\u0161anas pr\u0113mijas ir atkar\u012bgas no vesel\u012bbas st\u0101vok\u013ca, polises ilguma, segt\u0101s summas un polises veida. Apdro\u0161in\u0101\u0161ana miru\u0161\u0101s personas apg\u0101d\u0101jamaj\u0101m person\u0101m pied\u0101v\u0101 noteiktu naudas summu.<\/p>\n<h2>Ce\u013cojumu apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Ce\u013cojumu apdro\u0161in\u0101\u0161ana ir oblig\u0101ta, iesniedzot pieteikumu V\u0101cijas \u0160engenas v\u012bzai. Politika ir svar\u012bga ar\u012b v\u0101cie\u0161iem, kas apmekl\u0113 citas valstis \u0101rpus Eiropas Savien\u012bbas. Iemesls ir t\u0101ds, ka caur to var sa\u0146emt neatliekam\u0101s medic\u012bnisk\u0101s pal\u012bdz\u012bbas izdevumus.<\/p>\n<p>Citas priek\u0161roc\u012bbas, ko pied\u0101v\u0101 ce\u013cojumu apdro\u0161in\u0101\u0161ana, ir repatri\u0101cija, kur\u0101 tiek nodro\u0161in\u0101ta personas nog\u0101d\u0101\u0161ana m\u012btnes valst\u012b n\u0101ves gad\u012bjum\u0101. Tas ar\u012b sedz vienu ce\u013cojuma sa\u012bsin\u0101\u0161anas vai anul\u0113\u0161anas gad\u012bjum\u0101. Turkl\u0101t tiek nodro\u0161in\u0101ts segums par nokav\u0113tu un aizkav\u0113tu izlido\u0161anu, nozagtu bag\u0101\u017eu un ce\u013cojuma p\u0101rtrauk\u0161anu.<\/p>\n<h2>M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana<\/h2>\n<p>V\u0101cijas ties\u012bbu akti nosaka, ka ikvienam m\u0101jdz\u012bvnieka \u012bpa\u0161niekam ir j\u0101b\u016bt apdro\u0161in\u0101\u0161anai. M\u0101jdz\u012bvnieku atbild\u012bbas apdro\u0161in\u0101\u0161ana sedz finansi\u0101los zaud\u0113jumus, kas saist\u012bti ar indiv\u012bda m\u0101jdz\u012bvnieku tre\u0161ajai pusei. L\u012bdz ar to katrs su\u0146a \u012bpa\u0161nieks ir atbild\u012bgs par tre\u0161aj\u0101m person\u0101m nodar\u012bto kait\u0113jumu m\u0101jdz\u012bvnieka d\u0113\u013c.<\/p>\n<p>M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana sedz ar\u012b miesas boj\u0101jumus, tostarp medic\u012bnisko apr\u016bpi, un \u012bpa\u0161uma boj\u0101jumus, ko dz\u012bvok\u013ciem un \u0113k\u0101m nodar\u012bju\u0161i su\u0146i. Citas civiltiesisk\u0101s atbild\u012bbas apdro\u0161in\u0101\u0161an\u0101 ietvert\u0101s lietas ir pas\u012bv\u0101s juridisk\u0101s maksas, finansi\u0101li zaud\u0113jumi un boj\u0101tas lietas.<\/p>\n<h2>Juridisk\u0101 apdro\u0161in\u0101\u0161ana<\/h2>\n<p>V\u0101cij\u0101 juridisk\u0101 apdro\u0161in\u0101\u0161ana sedz izmaksas, kas saist\u012btas ar neparedz\u0113tiem juridiskiem jaut\u0101jumiem. Tas noz\u012bm\u0113, ka apdro\u0161in\u0101\u0161anas komp\u0101nija nodarbojas ar tulko\u0161anas izmaks\u0101m, liecinieku izdevumiem, tiesas nodev\u0101m, <a href=\"https:\/\/allaboutberlin.com\/guides\/legal-insurance\">juridisk\u0101m nodev\u0101m un advok\u0101tiem<\/a> . Turkl\u0101t apdro\u0161in\u0101tais var tikt pasarg\u0101ts no nesaska\u0146\u0101m da\u017e\u0101d\u0101s ties\u012bbu jom\u0101s.<\/p>\n<h2>\u0122imenes vai personisk\u0101s atbild\u012bbas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Personisk\u0101 atbild\u012bba iest\u0101jas nelaimes gad\u012bjum\u0101 vai \u0101rpus m\u0101jas. Personisk\u0101s atbild\u012bbas priek\u0161roc\u012bb\u0101s ietilpst juridisk\u0101s maksas, medic\u012bniskie r\u0113\u0137ini, k\u0101 ar\u012b gad\u012bjumi, kad viesis \u012bpa\u0161um\u0101 tiek ievainots. Apdro\u0161in\u0101\u0161ana var pal\u012bdz\u0113t personai negad\u012bjumu gad\u012bjum\u0101 neiz\u0146emt naudu no kabatas. Apdro\u0161in\u0101\u0161ana sedz ar\u012b \u012bpa\u0161uma boj\u0101jumus, miesas boj\u0101jumus un tiesas pr\u0101vas.<\/p>\n<h2>Popul\u0101ras apdro\u0161in\u0101\u0161anas komp\u0101nijas V\u0101cij\u0101<\/h2>\n<ul>\n<li>Tehni\u0137is Krankenkasse<\/li>\n<li>Allianz<\/li>\n<li>ARAG grupa<\/li>\n<li>ERGO apdro\u0161in\u0101\u0161anas grupa<\/li>\n<li>Generali Deutschland<\/li>\n<li>Hannover Re Group<\/li>\n<li>Munich RE \u2013 apdro\u0161in\u0101\u0161anas un p\u0101rapdro\u0161in\u0101\u0161anas grupa<\/li>\n<li>AXA Konzern<\/li>\n<li>C\u012brihes grupa V\u0101cija<\/li>\n<li>DKV V\u0101cijas vesel\u012bbas apdro\u0161in\u0101\u0161ana<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Apdro\u0161in\u0101\u0161ana V\u0101cij\u0101 sniedz jums k\u0101 valsts iedz\u012bvot\u0101jam vai apmekl\u0113t\u0101jam iesp\u0113ju baud\u012bt valsts labumus. Faktiski pareiza&#8230;<\/p>\n","protected":false},"author":5,"featured_media":4104,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1500],"tags":[890,715,886,718,717],"class_list":["post-5516","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vacija","tag-apdrosinasanas-kompanijas","tag-auto-apdrosinasana","tag-bezdarba-apdrosinasana","tag-ipasuma-apdrosinasana","tag-majas-apdrosinasana","wpcat-1500-id"],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/5516","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=5516"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/5516\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media\/4104"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media?parent=5516"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/categories?post=5516"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/tags?post=5516"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}