{"id":6661,"date":"2022-05-18T22:50:31","date_gmt":"2022-05-18T20:50:31","guid":{"rendered":"https:\/\/expateuropa.com\/panemiet-savu-apdrosinasanas-segumu-malta\/"},"modified":"2022-05-29T16:47:54","modified_gmt":"2022-05-29T14:47:54","slug":"panemiet-savu-apdrosinasanas-segumu-malta","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/lv\/panemiet-savu-apdrosinasanas-segumu-malta\/","title":{"rendered":"Pa\u0146emiet savu apdro\u0161in\u0101\u0161anas segumu Malt\u0101"},"content":{"rendered":"

Ja esat dedz\u012bgs ce\u013cot\u0101js vis\u0101 pasaul\u0113, Maltas iepaz\u012b\u0161anu nav iesp\u0113jams palaist gar\u0101m. Ikreiz, kad tiek piemin\u0113ta Malta, uzreiz rodas iek\u0161\u0113ja aizrau\u0161an\u0101s apmekl\u0113t \u0161o skaisto Vidusj\u016bras zemi. Ja jums ir k\u0101di pl\u0101ni n\u0101kamaj\u0101m vasaras br\u012bvdien\u0101m, iesp\u0113jams, izm\u0113\u0123inot Maltu, j\u016bs atst\u0101sit nostal\u0123iskas atmi\u0146as, kas stingri iespiedu\u0161\u0101s j\u016bsu vecumdien\u0101s. Tas nek\u0101d\u0101 gad\u012bjum\u0101 nav p\u0101rsp\u012bl\u0113ts. Skatiet \u0161o att\u0113lu zem\u0101k un esiet tiesnesis.<\/p>\n

\"\"<\/p>\n

Papildus Maltas pievilc\u012bbai past\u0101v daudz risku<\/h2>\n

Pirms aizrau\u0161an\u0101s ar skaistumu, ko Malta pied\u0101v\u0101 saviem apmekl\u0113t\u0101jiem, ir viena lieta, par kuru patie\u0161\u0101m r\u016bp\u012bgi j\u0101p\u0101rdom\u0101, proti, apdro\u0161in\u0101\u0161anas segums, atrodoties valst\u012b. Nekad nevar b\u016bt lab\u0101ks veids, k\u0101 izbaud\u012bt Maltas v\u0113so gaisotni, k\u0101 b\u016bt p\u0101rliecin\u0101tam, ka gad\u012bjum\u0101, ja notiek \u013caun\u0101kais, uzticams apdro\u0161in\u0101\u0161anas segums ir j\u016bsu aizmugur\u0113. Ar pareizi parakst\u012btu ce\u013cojumu apdro\u0161in\u0101\u0161anu br\u012bvdienas Malt\u0101 ieg\u016bst liel\u0101ku noz\u012bmi. Papildus ce\u013cojumu apdro\u0161in\u0101\u0161anai past\u0101v v\u0113l da\u017ei riski, kuriem parasti j\u0101piev\u0113r\u0161 uzman\u012bba.<\/p>\n

Maz\u0101k sakot, ja k\u0101ds var pl\u0101not atva\u013cin\u0101jumu ar pilnu pr\u0113miju paketi, apdro\u0161in\u0101\u0161anu nevajadz\u0113tu ignor\u0113t. J\u0101, jums ir iesp\u0113ja ignor\u0113t apdro\u0161in\u0101\u0161anas segumu Malt\u0101, ta\u010du tad tas var b\u016bt \u013coti d\u0101rgs. Riski nekad nes\u016bta pazi\u0146ojumu, tie vienk\u0101r\u0161i notiek un n\u0101k ar saviem post\u012bjumiem, kas var j\u016bs ilgu laiku aizkustin\u0101t un joproj\u0101m piln\u012bb\u0101 neatvese\u013coties.<\/p>\n

T\u0101tad, vai pl\u0101nojat apmekl\u0113t Maltu vai dz\u012bvot taj\u0101? Vai tu jau dz\u012bvo Malt\u0101? Vai esat dom\u0101ju\u0161i par to, k\u0101da b\u016bs dz\u012bve, kad dosieties t\u0101l\u0101k? Apdro\u0161in\u0101\u0161ana ir svar\u012bga ikvienam Maltas iedz\u012bvot\u0101jam, jo t\u0101 m\u016bs sedz pret neskaidr\u012bb\u0101m. Reiz\u0113m var saslimt, bet nav naudas, lai aizbrauktu uz slimn\u012bcu, un tur n\u0101k vesel\u012bbas apdro\u0161in\u0101\u0161ana. Turkl\u0101t apdro\u0161in\u0101\u0161ana ir laba, jo t\u0101 parasti pal\u012bdz segt zaud\u0113jumus.<\/p>\n

Vesel\u012bbas apdro\u0161in\u0101\u0161ana Malta<\/h2>\n

Sal\u012bdzinot ar cit\u0101m Eiropas valst\u012bm, piem\u0113ram, Latviju<\/a> , vesel\u012bbas apdro\u0161in\u0101\u0161ana Malt\u0101 ir unik\u0101la. Soci\u0101l\u0101 dro\u0161\u012bba vai, pareiz\u0101k sakot, nodok\u013ci finans\u0113 valsts vesel\u012bbas sist\u0113mu. Matavijas darbinieki un darba dev\u0113ji veic ikned\u0113\u013cas iemaksas.<\/p>\n

Pacienti Malt\u0101 tiek uz\u0146emti Maltas valsts slimn\u012bc\u0101s. Tom\u0113r tas notiek tikai ar \u0101rsta nos\u016bt\u012bjumu. Da\u017eos gad\u012bjumos var tikt uz\u0146emts \u0101rk\u0101rtas situ\u0101cijas gad\u012bjum\u0101. Nodarbin\u0101tie \u0123imenes apg\u0101d\u0101jamie tiek segti par valsts vesel\u012bbas apr\u016bpi.<\/p>\n

Maltas slimn\u012bcas sa\u0146em da\u017e\u0101dus ambulator\u0101s un stacion\u0101r\u0101s \u0101rst\u0113\u0161anas pakalpojumus. Valsts medic\u012bnas dienestu pied\u0101v\u0101tie medic\u012bniskie pakalpojumi ietver rehabilit\u0101ciju, dzemd\u012bbas, gr\u016btniec\u012bbu, receptes, speci\u0101listu \u0101rst\u0113\u0161anu un hospitaliz\u0101ciju. Citu Eiropas valstu iedz\u012bvot\u0101ji ar Eiropas vesel\u012bbas apdro\u0161in\u0101\u0161anas karti (EVAK) var sa\u0146emt bezmaksas vesel\u012bbas apr\u016bpi valst\u012b.<\/p>\n

Papildus valsts vesel\u012bbas apr\u016bpei var izv\u0113l\u0113ties priv\u0101tu vesel\u012bbas apr\u016bpi. Tas tiek dar\u012bts, maks\u0101jot par vesel\u012bbas apdro\u0161in\u0101\u0161anu, kas da\u017e\u0101d\u0101s apdro\u0161in\u0101\u0161anas sabiedr\u012bb\u0101s ir at\u0161\u0137ir\u012bga. Da\u017ei maltie\u0161i izv\u0113las priv\u0101to apdro\u0161in\u0101\u0161anu, lai nodro\u0161in\u0101tu, ka vi\u0146i sa\u0146em pilnu segumu \u012bsam gaid\u012b\u0161anas laikam, augstu apr\u016bpes l\u012bmeni un pla\u0161u pakalpojumu kl\u0101stu, kas nav pieejami valsts kl\u012bnik\u0101s. Turkl\u0101t past\u0101v soci\u0101l\u0101s pal\u012bdz\u012bbas programmas pacientiem ar hronisk\u0101m slim\u012bb\u0101m un zemu ien\u0101kumu grup\u0101m<\/a> .<\/p>\n

Bezdarba apdro\u0161in\u0101\u0161ana<\/h2>\n

Malt\u0101 bezdarba apdro\u0161in\u0101\u0161ana ir uz iemaks\u0101m balst\u012bta sh\u0113ma<\/a> , un to maks\u0101 person\u0101m, kuras zaud\u0113 darbu. Tom\u0113r, lai pretend\u0113tu uz iemaks\u0101m, ir j\u0101b\u016bt vismaz 50 ned\u0113\u013cu iemaks\u0101m, un apm\u0113ram 20 no t\u0101m ir j\u0101b\u016bt ieskait\u012bt\u0101m p\u0113d\u0113jo divu gadu laik\u0101 pirms pras\u012bbas iesnieg\u0161anas.<\/p>\n

Lai kvalific\u0113tos, ir j\u0101re\u0123istr\u0113jas k\u0101 pilnas slodzes darba mekl\u0113t\u0101js Valsts nodarbin\u0101t\u012bbas dienest\u0101. Turkl\u0101t personai ir ties\u012bbas uz 156 bezdarbnieka pabalstu. Turkl\u0101t darba mekl\u0113t\u0101jam ir j\u0101izpilda soci\u0101l\u0101s apdro\u0161in\u0101\u0161anas iemaksu p\u0101rbaudes.<\/p>\n

Automa\u0161\u012bnu apdro\u0161in\u0101\u0161ana<\/h2>\n

Vai dom\u0101jat ieg\u0101d\u0101ties automa\u0161\u012bnu Malt\u0101? Tad ir svar\u012bgi izv\u0113l\u0113ties tr\u012bs automa\u0161\u012bnu apdro\u0161in\u0101\u0161anas veidus, tostarp tikai tre\u0161o personu, tre\u0161\u0101s puses ugunsgr\u0113ka un z\u0101dz\u012bbu un visaptvero\u0161o apdro\u0161in\u0101\u0161anu. Tre\u0161\u0101 da\u013ca tikai apdro\u0161in\u0101\u0161ana sedz tikai saist\u012bbas, kas radu\u0161\u0101s citiem.<\/p>\n

No otras puses, tre\u0161\u0101s puses ugunsgr\u0113ks un z\u0101dz\u012bba sedz j\u016bsu automa\u0161\u012bnas zaud\u0113jumus vai boj\u0101jumus, k\u0101 ar\u012b atbild\u012bbu pret cit\u0101m person\u0101m. Boj\u0101jumu c\u0113lonis var b\u016bt spr\u0101dziens, zibens, pa\u0161aizdeg\u0161an\u0101s, z\u0101dz\u012bba, ugunsgr\u0113ks vai pat z\u0101dz\u012bbas m\u0113\u0123in\u0101jums. Visbeidzot, Malt\u0101 visaptvero\u0161\u0101 apdro\u0161in\u0101\u0161ana sedz j\u016bsu transportl\u012bdzek\u013ca boj\u0101jumus, nejau\u0161u transportl\u012bdzek\u013ca nozaud\u0113\u0161anu vai atbild\u012bbu pret cit\u0101m person\u0101m.<\/p>\n

M\u0101jas apdro\u0161in\u0101\u0161ana<\/h2>\n

M\u0101jas \u012bpa\u0161ums ir lab\u0101kais, par ko var sap\u0146ot ikviens Maltas iedz\u012bvot\u0101js. Tom\u0113r tas var neb\u016bt viss, jo zemestr\u012bces vai ugunsgr\u0113ka gad\u012bjum\u0101 m\u0101ju var nojaukt, kas noz\u012bm\u0113, ka b\u016bs j\u0101s\u0101k no jauna. T\u0101p\u0113c tikai ar da\u017eiem centiem var aizsarg\u0101t \u0161o lielisko ieguld\u012bjumu.<\/p>\n

Malt\u0101 m\u0101jok\u013ca apdro\u0161in\u0101\u0161anas polise sedz neatliekam\u0101s pal\u012bdz\u012bbas dienestus un atbild\u012bbu pret cit\u0101m person\u0101m, k\u0101 ar\u012b pal\u012bdz\u012bbu m\u0101j\u0101s. Turkl\u0101t polise var segt \u0113ku boj\u0101jumus vai nejau\u0161u m\u0101jas satura nozaud\u0113\u0161anu<\/a> . Tas var ar\u012b segt v\u0113rtslietu un person\u012bgo mantu boj\u0101jumus vai nejau\u0161u nozaud\u0113\u0161anu Malt\u0101.<\/p>\n

Ir svar\u012bgi atz\u012bm\u0113t, ka m\u0101jok\u013ca apdro\u0161in\u0101\u0161anas segums galvenok\u0101rt ir atkar\u012bgs no izv\u0113l\u0113t\u0101 uz\u0146\u0113muma. Iemesls ir t\u0101ds, ka da\u017eas m\u0101jas apdro\u0161in\u0101\u0161anas komp\u0101nijas aptver kr\u012bto\u0161us kokus, zibens un radio un telev\u012bzijas sabrukumu. Citi attiecas ar\u012b uz naftas vai \u016bdens nopl\u016bdi, gaisa ku\u0123u triecienu un d\u016bmiem.<\/p>\n

Dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana<\/h2>\n

Dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana ir noz\u012bm\u012bga Maltas iedz\u012bvot\u0101jiem, jo tai ir noz\u012bme r\u016bp\u0113s par \u0123imeni neskaidr\u012bbu gad\u012bjum\u0101. Pirmk\u0101rt, tas pal\u012bdz nomaks\u0101t m\u0101jas hipot\u0113ku, k\u0101 ar\u012b citus par\u0101dus, tostarp studentu kred\u012btus, kred\u012btkartes un automa\u0161\u012bnu aizdevumus. Da\u017eos gad\u012bjumos tas ir ar\u012b veids, k\u0101 aizst\u0101t zaud\u0113t\u0101s algas gadus un pied\u0101v\u0101t l\u012bdzek\u013cus b\u0113rnu koled\u017eas izgl\u012bt\u012bbai.<\/p>\n

Sal\u012bdzinot ar citiem apdro\u0161in\u0101\u0161anas veidiem, dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana ir laba, jo izmaksas ir bezmaksas. Turkl\u0101t apg\u0101dnieka n\u0101ves gad\u012bjum\u0101 apg\u0101d\u0101jamajiem nav j\u0101uztraucas par uztur\u0113\u0161an\u0101s izdevumiem. Ar\u012b dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana kaut k\u0101d\u0101 veid\u0101 var segt gal\u012bgos izdevumus.<\/p>\n

Ce\u013cojumu apdro\u0161in\u0101\u0161ana<\/h2>\n

Ja dom\u0101jat par ce\u013co\u0161anu uz un no Maltas, ce\u013cojumu apdro\u0161in\u0101\u0161ana ir lab\u0101kais risin\u0101jums. Iemesls ir t\u0101ds, ka tas aizsarg\u0101 cilv\u0113ku ce\u013cojuma laik\u0101. Citas lietas, ko sedz ce\u013cojumu apdro\u0161in\u0101\u0161ana, ietver naudas un bag\u0101\u017eas nozaud\u0113\u0161anu un person\u012bgo nelaimes gad\u012bjumu segumu<\/a> . Turkl\u0101t apdro\u0161in\u0101\u0161ana sedz aizkav\u0113tu vai pat nokav\u0113tu izbrauk\u0161anu, pases nozaud\u0113\u0161anu un \u0101rk\u0101rtas, k\u0101 ar\u012b ar to saist\u012btos izdevumus.<\/p>\n

M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana<\/h2>\n

K\u0101 cilv\u0113kiem mums ir j\u0101aizsarg\u0101 ka\u0137i un su\u0146i tie\u0161i t\u0101, k\u0101 m\u0113s aizsarg\u0101jam sevi. M\u0101jdz\u012bvnieki ir m\u016bsu \u0123imenes locek\u013ci, jo tie sniedz mums m\u012blest\u012bbu un komfortu. Dz\u012bvnieka apdro\u0161in\u0101\u0161an\u0101 ietilpst civiltiesisk\u0101 atbild\u012bba, pabalsts m\u0101jdz\u012bvnieka nejau\u0161as n\u0101ves gad\u012bjum\u0101 un veterin\u0101r\u0101 pal\u012bdz\u012bba traumu un ak\u016btu slim\u012bbu \u0101rst\u0113\u0161anai.<\/p>\n

Juridisk\u0101 apdro\u0161in\u0101\u0161ana<\/h2>\n

Juridisk\u0101 apdro\u0161in\u0101\u0161ana Malt\u0101 padara juridiskos pakalpojumus un segumu pieejam\u0101kus. Tas ir labs risin\u0101jums, jo sniedz person\u0101m iesp\u0113ju, kur v\u0113rsties, ja vi\u0146iem ir juridiskas probl\u0113mas, bet konkr\u0113taj\u0101 br\u012bd\u012b nav pietiekami daudz naudas. T\u0101p\u0113c tas ir vienk\u0101r\u0161\u0101ks veids, k\u0101 uzlabot piek\u013cuvi tiesai un ties\u012bbu aktiem neatkar\u012bgi no personas, kas zi\u0146oja par lietu.<\/p>\n

Popul\u0101ras apdro\u0161in\u0101\u0161anas komp\u0101nijas Malt\u0101<\/h2>\n
    \n
  • Argus Insurance Company (Europe) Limited<\/li>\n
  • MIB apdro\u0161in\u0101\u0161anas brokeri<\/li>\n
  • Bonnici Insurance Agency Ltd, Malta<\/li>\n
  • Citadele Insurance plc<\/li>\n
  • Axeria Insurance Limited<\/li>\n
  • Bavaria Reinsurance Malta Limited<\/li>\n
  • Globalcapital Financial Management Limited<\/li>\n
  • Londonas un Leitas apdro\u0161in\u0101\u0161anas PCC<\/li>\n
  • Munich Re of Malta plc<\/li>\n
  • Premium Insurance Company Limited<\/li>\n
  • Nissan International Insurance Ltd<\/li>\n
  • Fresenius Medical Care Global Insurance Ltd.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

    Ja esat dedz\u012bgs ce\u013cot\u0101js vis\u0101 pasaul\u0113, Maltas iepaz\u012b\u0161anu nav iesp\u0113jams palaist gar\u0101m. Ikreiz, kad tiek…<\/p>\n","protected":false},"author":5,"featured_media":6252,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2694],"tags":[880,2700,715,886,1451,718,716],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/6661"}],"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=6661"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/6661\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media\/6252"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media?parent=6661"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/categories?post=6661"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/tags?post=6661"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}