{"id":5632,"date":"2022-03-19T23:18:28","date_gmt":"2022-03-19T22:18:28","guid":{"rendered":"https:\/\/expateuropa.com\/apdrosinasana-irija\/"},"modified":"2022-03-19T23:18:28","modified_gmt":"2022-03-19T22:18:28","slug":"apdrosinasana-irija","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/lv\/apdrosinasana-irija\/","title":{"rendered":"Apdro\u0161in\u0101\u0161ana \u012arij\u0101"},"content":{"rendered":"<p>Apdro\u0161in\u0101\u0161ana \u012arij\u0101, iesp\u0113jams, ir viena no svar\u012bg\u0101kaj\u0101m liet\u0101m, par ko b\u016btu j\u0101padom\u0101 ikvienam, kas pl\u0101no p\u0101rcelties uz dz\u012bvi \u0161aj\u0101 valst\u012b. Diem\u017e\u0113l liel\u0101k\u0101 da\u013ca cilv\u0113ku labpr\u0101t\u0101k dom\u0101 par pievilc\u012bgu vietu apmekl\u0113\u0161anu valst\u012b, nedom\u0101jot par savu dro\u0161\u012bbu. Vienk\u0101r\u0161i pajaut\u0101jiet sev: &#8220;Ko dar\u012bt, ja kaut kas noiet greizi un man nav citas izv\u0113les, k\u0101 izmantot naudu&#8221;. Atbilde uz \u0161o jaut\u0101jumu, visticam\u0101k, sniegs pietiekami daudz iemeslu, lai j\u016bs steigtos un re\u0123istr\u0113tos apdro\u0161in\u0101\u0161anas segumam. Apdro\u0161in\u0101\u0161anas segums nenoz\u012bm\u0113, ka j\u016bs aicin\u0101t uz nelaim\u0113m, bet gan dod priek\u0161statu, ja lietas noiet greizi.<\/p>\n<p>Jebk\u0101da veida apdro\u0161in\u0101\u0161anas polises ieg\u0101de \u012arij\u0101 noz\u012bm\u0113 lab\u0101ku finan\u0161u pl\u0101no\u0161anu. Turkl\u0101t, ieg\u0101d\u0101joties apdro\u0161in\u0101\u0161anu agr\u0101k, cilv\u0113ks var ieg\u016bt labu finansi\u0101lo izj\u016btu. Bez br\u012bdin\u0101juma notiek negaid\u012btas lietas, tostarp saslim\u0161ana, nelaimes gad\u012bjumi, k\u0101 ar\u012b dabas katastrofas. T\u0101p\u0113c apdro\u0161in\u0101\u0161ana ir noz\u012bm\u012bga, jo t\u0101 \u013cauj maz\u0101k uztraukties katastrofas gad\u012bjum\u0101 un pal\u012bdz cietu\u0161ajiem \u0101tr\u0101k iz\u0101rst\u0113ties.<\/p>\n<h2>Vesel\u012bbas apdro\u0161in\u0101\u0161ana \u012arija<\/h2>\n<p>At\u0161\u0137ir\u012bb\u0101 no <a href=\"https:\/\/expateuropa.com\/lv\/apdrosinasana-vacija\/\">V\u0101cijas<\/a> un <a href=\"https:\/\/expateuropa.com\/lv\/apdrosinasana-cehijas-republika\/\">\u010cehijas<\/a> , vesel\u012bbas apdro\u0161in\u0101\u0161ana \u012arij\u0101 ir unik\u0101la. Ikvienu personu, kas ir nodz\u012bvojusi \u012arij\u0101 apm\u0113ram 1 gadu, Health Service Executive (HSE) uzskata par rezidentu. T\u0101d\u0113j\u0101di \u0161\u0101das personas var ieg\u016bt visas ties\u012bbas (Kategorija 1) vai ierobe\u017eota atbilst\u012bba (kategorija 2) par vesel\u012bbas pakalpojumiem. 1. kategorija aptver aptuveni 30 % \u012arijas iedz\u012bvot\u0101ju, kuriem ir medic\u012bnisk\u0101s kartes. Kartes sniedz cilv\u0113kiem iesp\u0113ju bez maksas sa\u0146emt da\u017e\u0101dus medikamentus un vesel\u012bbas pakalpojumus.<\/p>\n<p>Personas, kur\u0101m ir medic\u012bnisk\u0101 karte, bez maksas var sa\u0146emt:<\/p>\n<ul>\n<li>Sabiedr\u012bbas apr\u016bpe, k\u0101 ar\u012b person\u012bgie soci\u0101lie pakalpojumi<\/li>\n<li>GP pakalpojums<\/li>\n<li>Valsts slimn\u012bcu pakalpojumi<\/li>\n<li>Izrakst\u012bt\u0101s z\u0101les un z\u0101les<\/li>\n<li>Gr\u016btnie\u010du un z\u012bdai\u0146u apr\u016bpes pakalpojumi<\/li>\n<li>\u012apa\u0161i fon\u0113tiskie, optiskie un zob\u0101rstniec\u012bbas pakalpojumi<\/li>\n<\/ul>\n<p>Cilv\u0113ki, kuriem nav medic\u012bnisk\u0101s kartes, joproj\u0101m var sa\u0146emt slimn\u012bcas un kopienas vesel\u012bbas pakalpojumus par samazin\u0101t\u0101m izmaks\u0101m vai bez maksas. \u0160ie cilv\u0113ki maks\u0101 par izrakst\u012btaj\u0101m z\u0101l\u0113m un z\u0101l\u0113m. Labi ir tas, ka vi\u0146iem tikai j\u0101maks\u0101 maksim\u0101li 114&nbsp;eiro m\u0113nes\u012b saska\u0146\u0101 ar z\u0101\u013cu apmaksas sh\u0113mu.<\/p>\n<h2>Bezdarba apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Soci\u0101l\u0101s aizsardz\u012bbas departaments katru ned\u0113\u013cu bezdarbniekiem izmaks\u0101 darba mekl\u0113t\u0101ja pabalstu. Ta\u010du j\u0101b\u016bt soci\u0101lajai apdro\u0161in\u0101\u0161anai. Personas, kuras neatbilst darba mekl\u0113t\u0101ja pabalsta pras\u012bb\u0101m, var iesniegt pieteikumu <a href=\"https:\/\/www.citizensinformation.ie\/en\/social_welfare\/social_welfare_payments\/unemployed_people\/jobseekers_allowance.html\" target=\"_blank\" rel=\"noopener\">darba mekl\u0113t\u0101ja pabalsta<\/a> sa\u0146em\u0161anai.<\/p>\n<p>Lai pretend\u0113tu uz darba mekl\u0113t\u0101ja pabalstu, ir:<\/p>\n<ul>\n<li>J\u0101veic pietiekami daudz soci\u0101l\u0101s apdro\u0161in\u0101\u0161anas (PRSI) iemaksu<\/li>\n<li>Bezdarbnieks vai da\u013c\u0113ji bezdarbnieks 4 no 7 dien\u0101m<\/li>\n<li>jaun\u0101ki par 66 gadiem<\/li>\n<li>Ir darba sp\u0113jas<\/li>\n<li>Patiesi mekl\u0113 darbu un esmu gatavs darbam<\/li>\n<li>J\u0101cie\u0161 iev\u0113rojams bezdarba zaud\u0113jums 7 dienas p\u0113c k\u0101rtas.<\/li>\n<li>Ir veiktas 13 iemaksas attiec\u012bgaj\u0101 taks\u0101cijas gad\u0101, k\u0101rt\u0113j\u0101 taks\u0101cijas gad\u0101, p\u0113d\u0113j\u0101 pilnaj\u0101 taks\u0101cijas gad\u0101 un 2 taks\u0101cijas gadus pirms attiec\u012bg\u0101 taks\u0101cijas gada.<\/li>\n<\/ul>\n<p>Personu var diskvalific\u0113t, lai sa\u0146emtu darba mekl\u0113t\u0101ja pabalstu, ja:<\/p>\n<ul>\n<li>Viens zaud\u0113ja darbu nepareizas uzved\u012bbas d\u0113\u013c<\/li>\n<li>Pametis darbu br\u012bvpr\u0101t\u012bgi bez sapr\u0101t\u012bga iemesla, kas jaun\u0101ks par 55&nbsp;gadiem, un sa\u0146em atlai\u0161anas pabalstu vair\u0101k nek\u0101 50&nbsp;000&nbsp;eiro<\/li>\n<li>Atsak\u0101s no labas apm\u0101c\u012bbas vai alternat\u012bvas darba pied\u0101v\u0101juma<\/li>\n<\/ul>\n<h2>Automa\u0161\u012bnu apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Lai brauktu pa \u012arijas ce\u013ciem, ir j\u0101b\u016bt transportl\u012bdzek\u013cu apdro\u0161in\u0101\u0161anai. Galvenie apdro\u0161in\u0101\u0161anas veidi \u012arij\u0101 ir tre\u0161\u0101s puses, tre\u0161\u0101s puses ugunsgr\u0113ka un z\u0101dz\u012bbas un visaptvero\u0161\u0101 apdro\u0161in\u0101\u0161ana. Minim\u0101l\u0101 transportl\u012bdzek\u013ca apdro\u0161in\u0101\u0161ana \u012bru valod\u0101 ir tre\u0161\u0101 puse. Ja k\u0101ds ir iesaist\u012bts negad\u012bjum\u0101 un ir vain\u012bgs, apdro\u0161in\u0101\u0161ana atl\u012bdzina p\u0101r\u0113j\u0101m pus\u0113m nodar\u012btos miesas boj\u0101jumus vai boj\u0101jumus.<\/p>\n<p>Tre\u0161o personu un z\u0101dz\u012bbu apdro\u0161in\u0101\u0161ana ir tik popul\u0101ra \u012arij\u0101. Tas nodro\u0161ina l\u012bdz\u012bgu segumu k\u0101 tre\u0161\u0101s puses apdro\u0161in\u0101\u0161ana, bet ar papildu segumu, ja automa\u0161\u012bna tiek saboj\u0101ta ugunsgr\u0113k\u0101 vai nozagta. Tom\u0113r, ja k\u0101ds ir vain\u012bgs negad\u012bjuma gad\u012bjum\u0101, tas nesedz nek\u0101dus boj\u0101jumus vai ievainojumus.<\/p>\n<p>Kompleks\u0101 apdro\u0161in\u0101\u0161ana ir visd\u0101rg\u0101k\u0101 \u012arij\u0101. Tas pied\u0101v\u0101 l\u012bdz\u012bgu segumu k\u0101 tre\u0161\u0101s puses ugunsgr\u0113ks un z\u0101dz\u012bba, vienlaikus sniedzot ar\u012b iesp\u0113ju piepras\u012bt sava transportl\u012bdzek\u013ca boj\u0101jumus neatkar\u012bgi no personas, kas izrais\u012bja sadursmi. Diem\u017e\u0113l tas nesedz autovad\u012bt\u0101jus par savainojumiem.<\/p>\n<h2>M\u0101jas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>M\u0101jas liel\u0101kajai da\u013cai \u012bru cilv\u0113ku ir liel\u0101k\u0101 v\u0113rt\u012bba. T\u0101p\u0113c ir svar\u012bgi to aizsarg\u0101t, ja kaut kas noiet greizi. M\u0101jas apdro\u0161in\u0101\u0161ana nodro\u0161ina, ka nepaliek <a href=\"https:\/\/www.chill.ie\/home-insurance\/\" target=\"_blank\" rel=\"noopener\">skait\u012bt zaud\u0113jumus, kad lietas noiet greizi<\/a> . Da\u017eas no apdro\u0161in\u0101\u0161an\u0101m sedz nejau\u0161us boj\u0101jumus, piem\u0113ram, pakl\u0101ju sadal\u012b\u0161anu, virtuves iek\u0101rtas, maksu par ugunsdz\u0113s\u0113ju brig\u0101di un alternat\u012bvu izmitin\u0101\u0161anu.<\/p>\n<h2>Dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Lai gan m\u0113s nev\u0113lamies sev n\u0101vi, mums ir j\u0101uztraucas par to, kas notiks, ja m\u0113s nomirsim. T\u0101p\u0113c, izmantojot dz\u012bv\u012bbas apdro\u0161in\u0101\u0161anu, <a href=\"https:\/\/www.irishlife.ie\/life-insurance\/\" target=\"_blank\" rel=\"noopener\">\u0123imene ir aizsarg\u0101ta<\/a> , jo t\u0101 var maks\u0101t hipot\u0113ku, b\u0113rna kop\u0161anas izmaksas un r\u0113\u0137inu apmaksu. Turkl\u0101t ir svar\u012bgi to lietot agr\u012bn\u0101 stadij\u0101, jo ir lab\u0101kas priek\u0161roc\u012bbas.<\/p>\n<p>\u0160\u012bs apdro\u0161in\u0101\u0161anas izmanto\u0161ana pied\u0101v\u0101 mieru, jo vi\u0146iem nav j\u0101uztraucas par par\u0101du maks\u0101jumiem, kad vi\u0146i ir prom. Kaut k\u0101d\u0101 veid\u0101 tas var pasarg\u0101t personu no ien\u0101kumu zaud\u0113\u0161anas. Turkl\u0101t t\u0101 apmaks\u0101 b\u0113ru izmaksas apdro\u0161in\u0101t\u0101ja n\u0101ves gad\u012bjum\u0101.<\/p>\n<h2>Ce\u013cojumu apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Ce\u013cojumu apdro\u0161in\u0101\u0161ana ir svar\u012bga visiem cilv\u0113kiem, kuri ce\u013co uz \u012ariju vai no t\u0101s. Apdro\u0161in\u0101\u0161ana sedz medic\u012bniskos izdevumus, ja cilv\u0113ks saslimst, atrodoties \u0101rzem\u0113s. Apdro\u0161in\u0101\u0161ana sedz ar\u012b atcel\u0161anu un samazin\u0101jumu, k\u0101 ar\u012b pal\u012bdz\u012bbu.<\/p>\n<p>P\u0101r\u0113j\u0101s lietas, ko sedz ce\u013cojumu apdro\u0161in\u0101\u0161ana, ir ce\u013cojuma kav\u0113\u0161an\u0101s un nokav\u0113ta izbrauk\u0161ana. Ce\u013cojuma laik\u0101 var tikt nolaup\u012bts vai nozagta bag\u0101\u017ea; l\u012bdz ar to ce\u013cojumu apdro\u0161in\u0101\u0161ana sedz \u0161\u0101dus notikumus. Turkl\u0101t apdro\u0161in\u0101\u0161ana atl\u012bdzina personisko atbild\u012bbu, personisko \u012bpa\u0161umu un juridiskos izdevumus.<\/p>\n<h2>M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana<\/h2>\n<p>Vid\u0113j\u0101s izmaksas par m\u0101jdz\u012bvnieku, piem\u0113ram, su\u0146a, apdro\u0161in\u0101\u0161anu ir 16 eiro m\u0113nes\u012b. M\u0101jdz\u012bvnieks ir neat\u0146emama \u0123imenes sast\u0101vda\u013ca; t\u0101d\u0113j\u0101di, t\u0101pat k\u0101 m\u012b\u013cie sa\u0146em aizsardz\u012bbu, ar\u012b mums vi\u0146i ir j\u0101aizsarg\u0101. M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana to sedz n\u0101ves gad\u012bjum\u0101 slim\u012bbas vai pat nelaimes gad\u012bjum\u0101 pirms noteikta vecuma sasnieg\u0161anas, atkar\u012bb\u0101 no apdro\u0161in\u0101t\u0101ja.<\/p>\n<p>Turkl\u0101t apdro\u0161in\u0101\u0161ana sedz <a href=\"https:\/\/switcher.ie\/pet-insurance\/\" target=\"_blank\" rel=\"noopener\">slim\u012bbu un traumu \u0101rst\u0113\u0161anu<\/a> , tostarp medic\u012bnisk\u0101s p\u0101rbaudes, recep\u0161u medikamentus un oper\u0101cijas. M\u0101jdz\u012bvnieka pazu\u0161anas gad\u012bjum\u0101 apdro\u0161in\u0101\u0161anas komp\u0101nija var segt plak\u0101tu izlik\u0161anas izdevumus. Citas lietas, ko sedz m\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana, ir tre\u0161\u0101s puses atbild\u012bba, audz\u0113tavas izmaksas un br\u012bvdienu atcel\u0161ana.<\/p>\n<h2>Pa\u0161nodarbin\u0101to personu ien\u0101kumu aizsardz\u012bba<\/h2>\n<p>Ien\u0101kumu aizsardz\u012bbas apdro\u0161in\u0101\u0161ana maks\u0101 \u012arijas iedz\u012bvot\u0101jiem ikm\u0113ne\u0161a ien\u0101kumus, ja vi\u0146i nevar veikt savu darbu nelaimes gad\u012bjuma vai slim\u012bbas d\u0113\u013c. Apdro\u0161in\u0101t var aptuveni 75% no pe\u013c\u0146as pirms nodok\u013cu nomaksas. Diem\u017e\u0113l nevar apdro\u0161in\u0101t pilnu summu. Apdro\u0161in\u0101\u0161ana nodro\u0161ina apdro\u0161in\u0101t\u0101jiem ien\u0101kumu aizsardz\u012bbu un hipot\u0113kas atmaksu slim\u012bbas vai nelaimes gad\u012bjum\u0101.<\/p>\n<h2>Popul\u0101ras apdro\u0161in\u0101\u0161anas komp\u0101nijas \u012arij\u0101<\/h2>\n<ul>\n<li>AIG Eiropa<\/li>\n<li>Asgard apdro\u0161in\u0101\u0161ana<\/li>\n<li>AXA<\/li>\n<li>Draugi vispirms<\/li>\n<li>Kennco Underwriting Limited<\/li>\n<li>\u012aru dz\u012bve<\/li>\n<li>Br\u012bv\u012bbas apdro\u0161in\u0101\u0161ana<\/li>\n<li>Prestige Underwriting Services Ltd<\/li>\n<li>XS tie\u0161\u0101 apdro\u0161in\u0101\u0161ana<\/li>\n<li>Wrightway Underwriting Ltd<\/li>\n<li>Intesa Sanpaolo dz\u012bve<\/li>\n<li>Prudential International Assurance<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Apdro\u0161in\u0101\u0161ana \u012arij\u0101, iesp\u0113jams, ir viena no svar\u012bg\u0101kaj\u0101m liet\u0101m, par ko b\u016btu j\u0101padom\u0101 ikvienam, kas pl\u0101no&#8230;<\/p>\n","protected":false},"author":5,"featured_media":3612,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1617],"tags":[715,886,718,717,716],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/5632"}],"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=5632"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/5632\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media\/3612"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media?parent=5632"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/categories?post=5632"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/tags?post=5632"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}