{"id":9808,"date":"2022-06-09T12:07:24","date_gmt":"2022-06-09T10:07:24","guid":{"rendered":"http:\/\/expateuropa.com\/apdrosinasana-spanija\/"},"modified":"2022-06-16T11:14:32","modified_gmt":"2022-06-16T09:14:32","slug":"apdrosinasana-spanija","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/lv\/apdrosinasana-spanija\/","title":{"rendered":"Apdro\u0161in\u0101\u0161ana Sp\u0101nij\u0101"},"content":{"rendered":"\n<p>Apdro\u0161in\u0101\u0161anas seguma nepiecie\u0161am\u012bbu Sp\u0101nij\u0101 nekad nevar p\u0101rv\u0113rt\u0113t. Veicot apdro\u0161in\u0101\u0161anas segumu Sp\u0101nij\u0101, nav svar\u012bgi s\u0101kt dom\u0101t, ka valsts ir dro\u0161a un nepast\u0101v nek\u0101di riski, kas rad\u012btu segumu. J\u0101, ir pie\u0146emami, ka, t\u0101pat k\u0101 liel\u0101kaj\u0101 da\u013c\u0101 Eiropas, dro\u0161\u012bba un dro\u0161\u012bba ir priorit\u0101te, ta\u010du riski joproj\u0101m past\u0101v. Policijas darbinieki, kas patrul\u0113 Madrides vai Valensijas iel\u0101s, nenov\u0113rs\u012bs to, ka joproj\u0101m notiek negad\u012bjumi. Ugunsgr\u0113ki joproj\u0101m izn\u012bcina \u0113kas un cilv\u0113ki Sp\u0101nij\u0101 zaud\u0113 darbu neatkar\u012bgi no veiktajiem pas\u0101kumiem,<\/p>\n\n<p>Dienvidrietumu Eiropas valst\u012b Sp\u0101nij\u0101 dro\u0161\u012bba un dro\u0161\u012bba nav tik dr\u016bma. Tom\u0113r <a href=\"https:\/\/www.expatica.com\/es\/finance\/insurance\/insurance-spain-625188\/\">Sp\u0101nijas pilso\u0146iem un imigrantiem ir \u013coti svar\u012bgi sa\u0146emt apdro\u0161in\u0101\u0161anas segumu<\/a> . Pirmk\u0101rt, apdro\u0161in\u0101\u0161ana nodro\u0161ina dro\u0161\u012bbu. Ikvienam parasti ir zin\u0101mas bailes no p\u0113k\u0161\u0146a zaud\u0113juma, un tajos laikos zaud\u0113jumus ir gr\u016bti iztur\u0113t. Otrk\u0101rt, apdro\u0161in\u0101\u0161ana ir riska sadales veids. Ar uzkr\u0101jumiem nekad nepietiek, un t\u0101p\u0113c tik daudz, cik uzkr\u0101jat, jums ir j\u0101ieg\u0101d\u0101jas apdro\u0161in\u0101\u0161anas polise. Visbeidzot, tas uzlabo stabilu dz\u012bves l\u012bmeni pat gr\u016btos laikos.<\/p>\n\n<h2 class=\"wp-block-heading\">Sp\u0101nijas vesel\u012bbas apdro\u0161in\u0101\u0161ana<\/h2>\n\n<p>Sp\u0101nijai ir viena no lab\u0101kaj\u0101m vesel\u012bbas apr\u016bpes sist\u0113m\u0101m pasaul\u0113. <a href=\"https:\/\/www.expatica.com\/es\/healthcare\/healthcare-basics\/health-insurance-spain-439814\/\">Soci\u0101l\u0101s apdro\u0161in\u0101\u0161anas maks\u0101jums<\/a> finans\u0113 sist\u0113mu. T\u0101d\u0113j\u0101di lielai da\u013cai iedz\u012bvot\u0101ju nav j\u0101sl\u0113dz priv\u0101t\u0101 apdro\u0161in\u0101\u0161ana. Jebkura persona, kas dz\u012bvo un str\u0101d\u0101 Sp\u0101nij\u0101, maks\u0101 ien\u0101kuma nodokli, k\u0101 ar\u012b soci\u0101lo nodro\u0161in\u0101jumu. Tas noz\u012bm\u0113, ka tas ir tas, kas iet uz vesel\u012bbas apr\u016bpes pied\u0101v\u0101\u0161anu valst\u012b.<\/p>\n\n<p>Cilv\u0113ki, uz kuriem attiecas valsts vesel\u012bbas apdro\u0161in\u0101\u0161ana valst\u012b, ir darbinieki, pa\u0161nodarbin\u0101tie, b\u0113rni un laul\u0101tie, \u0160veices\/EEZ\/EA pilso\u0146i un tre\u0161o valstu pilso\u0146i. Turkl\u0101t apdro\u0161in\u0101\u0161ana sedz slimn\u012bcas, \u0101rstus un \u0101rst\u0113\u0161anu m\u0101j\u0101s. Ar\u012b recep\u0161u medikamenti sedz 40-60% no izmaks\u0101m. Diem\u017e\u0113l at\u0161\u0137ir\u012bb\u0101 no <a href=\"https:\/\/expateuropa.com\/lv\/apdrosinasana-danija\/\">D\u0101nijas<\/a> , kur b\u0113rnu zob\u0101rstniec\u012bbas izdevumus sedz vesel\u012bbas apdro\u0161in\u0101\u0161ana, Sp\u0101nij\u0101 t\u0101 nav valsts apr\u016bpes sist\u0113m\u0101.<\/p>\n\n<p>Papildus valsts vesel\u012bbas apdro\u0161in\u0101\u0161anai biju\u0161ie apdro\u0161in\u0101t\u0101ji var izv\u0113l\u0113ties priv\u0101tu apdro\u0161in\u0101\u0161anu. Tas pal\u012bdz ieg\u016bt papildu vesel\u012bbas apr\u016bpes pakalpojumus. \u0160\u0101da veida apdro\u0161in\u0101\u0161ana ir laba, jo t\u0101 liek pacientiem izvair\u012bties no ilga gaid\u012b\u0161anas laika valsts slimn\u012bc\u0101s. Turkl\u0101t tas \u013cauj izv\u0113l\u0113ties \u0101rstu, kur\u0161 dzi\u013ci saprot ang\u013cu valodu. K\u0101 \u0101rzemniekam run\u0101t sp\u0101\u0146u valod\u0101 var\u0113tu b\u016bt nom\u0101kta.<\/p>\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Private Health Insurance in Spain: What Should You Know?\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/repBuZn20kI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n<h2 class=\"wp-block-heading\">Bezdarba apdro\u0161in\u0101\u0161ana<\/h2>\n\n<p>Lai sa\u0146emtu bezdarbnieka pabalstu Sp\u0101nij\u0101, ir j\u0101veic <a href=\"https:\/\/www.a-kasser.dk\/unemployment-insurance-in-europe\/spain\/\">soci\u0101l\u0101s apdro\u0161in\u0101\u0161anas iemaksas vismaz 360 dienas<\/a> . Iemaksu periods dod iesp\u0113ju sa\u0146emt pabalstus apm\u0113ram 4 m\u0113ne\u0161us. T\u0101pat ir j\u0101b\u016bt pier\u0101d\u012bjumam, ka cilv\u0113ks akt\u012bvi mekl\u0113 darbu.<\/p>\n\n<p>T\u0101l\u0101k ir nor\u0101d\u012btas pras\u012bbas, kas jums j\u0101atbilst:<\/p>\n\n<ul class=\"wp-block-list\"><li>Vec\u0101ki par 16 gadiem un nav sasniegu\u0161i pensijas vecumu<\/li><li>Re\u0123istr\u0113ts soci\u0101laj\u0101 apdro\u0161in\u0101\u0161an\u0101<\/li><li>Juridiski bezdarbnieks un akt\u012bvi mekl\u0113 darbu<\/li><li>P\u0113d\u0113jo 6\u00a0gadu laik\u0101 ir veiku\u0161i iemaksas vismaz 360\u00a0dienas<\/li><\/ul>\n\n<p>Kad pieteikums ir apstiprin\u0101ts, pirmaj\u0101s 180 dien\u0101s j\u016bs sa\u0146emat 70% no apr\u0113\u0137ina b\u0101zes. Tom\u0113r p\u0113c 180\u00a0dienu beig\u0101m tiek ieg\u016bti 50% no apr\u0113\u0137ina b\u0101zes. Turkl\u0101t priek\u0161roc\u012bbas p\u0101rvalda Servicio P\u00fablico de Empleo Estatal, SEPE.<\/p>\n\n<h2 class=\"wp-block-heading\">Automa\u0161\u012bnu apdro\u0161in\u0101\u0161ana Sp\u0101nij\u0101<\/h2>\n\n<p>K\u0101 automa\u0161\u012bnas \u012bpa\u0161niekam Sp\u0101nij\u0101 jums ir j\u0101b\u016bt vismaz tre\u0161\u0101s puses civiltiesisk\u0101s atbild\u012bbas apdro\u0161in\u0101\u0161anai. Tas sedz visus zaud\u0113jumus, k\u0101 ar\u012b izmaksas, kas radu\u0161\u0101s tre\u0161ajai pusei. Tas ietver juridisk\u0101s izmaksas, miesas boj\u0101jumus un transportl\u012bdzek\u013ca boj\u0101jumus. Tre\u0161ajai pusei var ar\u012b likt iek\u013caut t\u0101das lietas k\u0101 pal\u012bdz\u012bba uz ce\u013ca.<\/p>\n\n<p> Sp\u0101nij\u0101 ir ar\u012b tre\u0161o pu\u0161u ugunsgr\u0113ki un z\u0101dz\u012bbas. Apdro\u0161in\u0101\u0161ana sedz lietas, kas iek\u013cautas tre\u0161o personu apdro\u0161in\u0101\u0161an\u0101, k\u0101 ar\u012b ietver vand\u0101lismu, z\u0101dz\u012bbu, dabas katastrofas, v\u0113tras post\u012bjumus un ugunsgr\u0113kus. Visbeidzot, ir visaptvero\u0161a apdro\u0161in\u0101\u0161ana. Apdro\u0161in\u0101\u0161ana sedz izmaksas, kas radu\u0161\u0101s tre\u0161aj\u0101m person\u0101m, k\u0101 ar\u012b jums, ja negad\u012bjums noticis j\u016bsu vainas d\u0113\u013c.<\/p>\n\n<h2 class=\"wp-block-heading\">M\u0101jas apdro\u0161in\u0101\u0161ana<\/h2>\n\n<p>Sp\u0101nij\u0101 ir divu veidu m\u0101jas apdro\u0161in\u0101\u0161ana, tostarp satura un \u0113kas segums. K\u0101 biju\u0161ais cilv\u0113ks j\u016bs zin\u0101t, ka m\u0101jas ieg\u0101des ce\u013cojums nav viegls. T\u0101d\u0113j\u0101di tas ir j\u0101aizsarg\u0101, un lab\u0101kais veids, k\u0101 to izdar\u012bt, ir m\u0101jas apdro\u0161in\u0101\u0161anas segums. K\u0101 jau teicu iepriek\u0161, tie ir sadal\u012bti div\u0101s da\u013c\u0101s, un \u0113kas apdro\u0161in\u0101\u0161ana sedz <a href=\"https:\/\/www.spanishpropertyinsight.com\/home-insurance-in-spain\/\">gan \u012bpa\u0161uma strukt\u016bru, gan armat\u016bru<\/a> .<\/p>\n\n<p>Savuk\u0101rt satura apdro\u0161in\u0101\u0161ana sedz visas person\u012bg\u0101s mantas. T\u0101s ir lietas, kas neietilpst apr\u012bkojum\u0101 vai \u012bpa\u0161um\u0101. Turkl\u0101t izmaksas liel\u0101 m\u0113r\u0101 ir atkar\u012bgas no \u012bpa\u0161uma dro\u0161\u012bbas. Abas apdro\u0161in\u0101\u0161anas var \u0146emt kop\u0101 vai k\u0101 vienu vien\u012bbu.<\/p>\n\n<h2 class=\"wp-block-heading\">Dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana Sp\u0101nija<\/h2>\n\n<p>K\u0101 Sp\u0101nijas iedz\u012bvot\u0101js dz\u012bv\u012bbas apdro\u0161in\u0101\u0161ana ir viens no lab\u0101kajiem l\u0113mumiem, ko varat pie\u0146emt. Iemesls ir t\u0101ds, ka tas nodro\u0161ina mieru gan jums, gan j\u016bsu m\u012b\u013cajiem. Turkl\u0101t tas nodro\u0161ina, ka neatkar\u012bgi no t\u0101, kas notiek, j\u016bs, k\u0101 ar\u012b j\u016bsu \u0123imenes locek\u013ci ir aizsarg\u0101ti, t\u0101pat k\u0101 <a href=\"https:\/\/expateuropa.com\/lv\/apdrosinasana-rumanija\/\">Rum\u0101nij\u0101<\/a> . Interesanti, ka tas ir viens no izplat\u012bt\u0101kajiem apdro\u0161in\u0101\u0161anas veidiem Sp\u0101nij\u0101. Lai gan tas nav oblig\u0101ti, tas nodro\u0161ina apg\u0101d\u0101jamo n\u0101ves gad\u012bjum\u0101 k\u0101 regul\u0101ru maks\u0101jumu vai vienreiz\u0113ju maks\u0101jumu.<\/p>\n\n<h2 class=\"wp-block-heading\">Ce\u013cojumu apdro\u0161in\u0101\u0161ana<\/h2>\n\n<p>P\u0113c ce\u013cojuma galam\u0113r\u0137a dom\u0101\u0161anas n\u0101kam\u0101 lieta, ko j\u016bs var\u0113tu dar\u012bt, ir rezerv\u0113t bi\u013ceti. Diem\u017e\u0113l tas parasti tiek dar\u012bts p\u0113d\u0113j\u0101 br\u012bd\u012b. Tajos laikos var gad\u012bties jebkas, piem\u0113ram, atcel\u0161ana, un ce\u013cojot var ar\u012b saslimt. L\u012bdz ar to ce\u013cojumu apdro\u0161in\u0101\u0161anas nepiecie\u0161am\u012bba. Tas attiecas uz medic\u012bnisko, k\u0101 ar\u012b neatliekamo pal\u012bdz\u012bbu. Tas notiek j\u016bsu ce\u013cojuma laik\u0101 Sp\u0101nij\u0101 vai \u0101rpus t\u0101s. Tas ar\u012b sedz bag\u0101\u017eas, k\u0101 ar\u012b person\u012bg\u0101s mantas nozaud\u0113\u0161anu. Visbeidzot, apdro\u0161in\u0101\u0161ana sedz juridiskos izdevumus, darb\u012bbu un person\u012bgo nelaimes gad\u012bjumu segumu.<\/p>\n\n<h2 class=\"wp-block-heading\">M\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana<\/h2>\n\n<p>K\u0101 m\u0101jdz\u012bvnieka \u012bpa\u0161niekam Sp\u0101nij\u0101 jums ir j\u0101veic m\u0101jdz\u012bvnieku apdro\u0161in\u0101\u0161ana. M\u0101jdz\u012bvnieki ir v\u0113rt\u012bgs biedrs ikvienam, jo tie sniedz mums laimi. T\u0101p\u0113c ir svar\u012bgi nodro\u0161in\u0101t, lai tie visu laiku b\u016btu veseli. M\u0101jdz\u012bvnieku vesel\u012bbas apdro\u0161in\u0101\u0161ana ir laba, jo t\u0101 sedz medic\u012bniskos izdevumus. Turkl\u0101t da\u017ei iepakojumi pat sedz izmaksas par dz\u012bvnieka mekl\u0113\u0161anu gad\u012bjum\u0101, ja tie paz\u016bd. Vi\u0146i var segt rekl\u0101mas stenda izlik\u0161anas izmaksas. Turkl\u0101t tas var segt ce\u013ca, z\u0101dz\u012bbas, krem\u0101cijas izdevumus un apbed\u012b\u0161anas pakalpojumus<\/p>\n\n<h2 class=\"wp-block-heading\">Popul\u0101ras apdro\u0161in\u0101\u0161anas komp\u0101nijas Sp\u0101nij\u0101<\/h2>\n\n<ul class=\"wp-block-list\"><li>Bsure apdro\u0161in\u0101\u0161anas brokeri, Sp\u0101nija<\/li><li>Apdro\u0161in\u0101\u0161anas centrs &#8211; Su Centro de Seguros &#8211; TIC grupa<\/li><li>Camposol apdro\u0161in\u0101\u0161anas pakalpojumi<\/li><li>Ibex Insurance Estepona<\/li><li>EasyCover Insurance Torrevieja\u00a0\u2014 DHL zelta punkts<\/li><li>Albox apdro\u0161in\u0101\u0161ana (Liberty Seguros)<\/li><li>Cigna Life Insurance Company of Europe SA \/ NV<\/li><li>Iberian Insurance Services Esp SL<\/li><li>Turner Insurance Specialists SL<\/li><li>labo kust\u012bbu apdro\u0161in\u0101\u0161ana La Zenia<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Apdro\u0161in\u0101\u0161anas seguma nepiecie\u0161am\u012bbu Sp\u0101nij\u0101 nekad nevar p\u0101rv\u0113rt\u0113t. Veicot apdro\u0161in\u0101\u0161anas segumu Sp\u0101nij\u0101, nav svar\u012bgi s\u0101kt dom\u0101t,&#8230;<\/p>\n","protected":false},"author":5,"featured_media":7629,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4213],"tags":[890,4223,886,4221,4227,1352,2607,4217],"class_list":["post-9808","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spanija-lv","tag-apdrosinasanas-kompanijas","tag-auto-apdrosinasana-spanija","tag-bezdarba-apdrosinasana","tag-celojumu-apdrosinasana-spanija","tag-majas-apdrosinasana-spanija","tag-majdzivnieku-apdrosinasana","tag-populari-apdrosinataji","tag-veselibas-apdrosinasana-spanija","wpcat-4213-id"],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/9808","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=9808"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/posts\/9808\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media\/7629"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/media?parent=9808"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/categories?post=9808"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/lv\/wp-json\/wp\/v2\/tags?post=9808"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}