{"id":1577,"date":"2023-03-13T17:54:45","date_gmt":"2023-03-13T16:54:45","guid":{"rendered":"https:\/\/www.multibox.sk\/clanky\/?p=1577"},"modified":"2023-03-13T17:54:47","modified_gmt":"2023-03-13T16:54:47","slug":"co-je-zdravotne-poistenie","status":"publish","type":"post","link":"https:\/\/www.multibox.sk\/clanky\/co-je-zdravotne-poistenie\/","title":{"rendered":"\u010co je zdravotn\u00e9 poistenie?"},"content":{"rendered":"\n

Zam\u00fd\u0161\u013eali ste sa niekedy nad t\u00fdm, pre\u010do je zdravotn\u00e9 poistenie<\/strong> potrebn\u00e9 a  \u010do vlastne predstavuje? Na Slovensku je zdravotn\u00e9 poistenie z\u00e1le\u017eitos\u0165ou ka\u017ed\u00e9ho ob\u010dana prakticky u\u017e od narodenia. Zdravotn\u00fd preukaz poistenca sl\u00fa\u017ei ako doklad o zdravotnom poisten\u00ed. Preto\u017ee pr\u00e1ve na z\u00e1klade tejto malej karti\u010dky v\u00e1s pr\u00edslu\u0161n\u00fd lek\u00e1r m\u00f4\u017ee o\u0161etri\u0165, pr\u00edp. hospitalizova\u0165.<\/p>\n\n\n

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\"zdravotn\u00e9<\/figure>\n<\/div>\n\n\n

Verejn\u00e9 zdravotn\u00e9 poistenie<\/h2>\n\n\n\n

Verejn\u00e9 zdravotn\u00e9 poistenie je platn\u00e9 pre v\u0161etk\u00fdch ob\u010danov pod\u013ea z\u00e1kona o zdravotnom poisten\u00ed. To znamen\u00e1, \u017ee maj\u00fa pr\u00e1vo na v\u0161eobecn\u00fa zdravotn\u00fa starostlivos\u0165 aj slu\u017eby s \u0148ou s\u00favisiace. Verejn\u00e9 zdravotn\u00e9 poistenie<\/em> zah\u0155\u0148a prevent\u00edvne prehliadky a neodkladn\u00fa zdravotn\u00fa starostlivos\u0165. Ide o r\u00f4zne zdravotn\u00e9 \u00fakony, ktor\u00e9 ved\u00fa k diagnostike ochorenia a jeho lie\u010dbe. Zdravotn\u00e9 poistenie m\u00e1 nieko\u013eko osobitost\u00ed. K najzn\u00e1mej\u0161\u00edm patr\u00ed k\u00fape\u013en\u00e1 lie\u010dba. T\u00fa m\u00f4\u017ee zdravotn\u00e1 pois\u0165ov\u0148a hradi\u0165 \u00faplne, alebo \u010diasto\u010dne. Z\u00e1vis\u00ed to najm\u00e4 od konkr\u00e9tnej pois\u0165ovne i samotn\u00e9ho poistenca. Aktu\u00e1lne sa zdravotn\u00e9 pois\u0165ovne predbiehaj\u00fa v tom, aby si u nich vytvorilo zdravotn\u00e9 poistenie<\/strong> \u010do najviac poistencov. \u010casto ich l\u00e1kaj\u00fa na r\u00f4zne bonusy. K najob\u013e\u00fabenej\u0161\u00edm a najvyu\u017e\u00edvanej\u0161\u00edm patr\u00ed pr\u00edspevok na zuby, okuliare a pod.<\/p>\n\n\n\n

Individu\u00e1lne zdravotn\u00e9 poistenie<\/h2>\n\n\n\n

Ide o\u00a0komer\u010dn\u00e9 zdravotn\u00e9 poistenie<\/em>. Je nepovinn\u00e9, dobrovo\u013en\u00e9. Zdravotn\u00e1 starostlivos\u0165 je mo\u017en\u00e1 v\u00a0rozsahu, ktor\u00fd je zmluvne stanoven\u00fd s\u00a0pr\u00edslu\u0161nou pois\u0165ov\u0148ou. Individu\u00e1lne zdravotn\u00e9 poistenie je poskytovan\u00e9 pod\u013ea Ob\u010dianskeho z\u00e1konn\u00edka. Zvy\u010dajne pod neho spad\u00e1 doplnkov\u00e9 zdravotn\u00e9 poistenie (nad\u0161tandardn\u00e1 zdravotn\u00e1 starostlivos\u0165). Individu\u00e1lne zdravotn\u00e9 poistenie<\/strong> je taktie\u017e ekvivalentom povinn\u00e9ho poistenia v\u00a0rozsahu z\u00e1kladnej zdravotnej starostlivosti. Vyu\u017e\u00edvaj\u00fa ho najm\u00e4 osoby, ktor\u00e9 pod\u013ea z\u00e1kona nemaj\u00fa n\u00e1rok na verejn\u00e9 zdravotn\u00e9 poistenie. Individu\u00e1lne zdravotn\u00e9 poistenie<\/em> m\u00f4\u017ee okrem poistenia zdravotnej starostlivosti zah\u0155\u0148a\u0165 aj poistenie za trval\u00e9 n\u00e1sledky, poistenie denn\u00e9ho od\u0161kodnenia v\u00a0d\u00f4sledku poistnej udalosti \u010di poistenie vzniku konkr\u00e9tnej poistnej udalosti. Individu\u00e1lne zdravotn\u00e9 poistenie<\/strong> teda pon\u00faka r\u00f4zne produkty v\u00a0r\u00f4znych form\u00e1ch a s\u00a0r\u00f4znym obsahom. Neviete sa rozhodn\u00fa\u0165, ak\u00fa pois\u0165ov\u0148u si vybra\u0165? Aj dobr\u00fd finan\u010dn\u00fd poradca<\/a> v\u00e1m vie poradi\u0165 v\u00a0oblasti poistenia. Bez oh\u013eadu na to, \u010di ide o\u00a0PZP<\/a>, havarijn\u00e9 poistenie auta,<\/a> \u017eivotn\u00e9 poistenie, poistenie dom\u00e1cnosti <\/a>\u010di in\u00e9 poistenie.<\/p>\n\n\n\n

Zdravotn\u00e9 poistenie na v\u00fdplatnej p\u00e1ske<\/h2>\n\n\n\n

Ako pracuj\u00faca osoba ste si na v\u00fdplatnej p\u00e1se zaiste v\u0161imli kol\u00f3nku zdravotn\u00e9 poistenie<\/em>. S \u00fa\u010dinnos\u0165ou od 1. 1. 2023 sa stanovuje v\u00fd\u0161ka minim\u00e1lneho odvodu za zamestnanca na 32,81 \u20ac. Net\u00fdka sa zdravotne znev\u00fdhodnen\u00fdch zamestnancov aj zamestnancov, ktor\u00ed s\u00fa s\u00fa\u010dasne poistencami \u0161t\u00e1tu (d\u00f4chodcovia, \u0161tudenti). Ak fungujete ako zamestn\u00e1vate\u013e, tak by ste mali vedie\u0165, \u017ee nie je ur\u010den\u00e1 maxim\u00e1lna ani minim\u00e1lna v\u00fd\u0161ka preddavku. \u010ci\u017ee preddavok na zdravotn\u00e9 poistenie<\/strong> je vypo\u010d\u00edtan\u00fd z pr\u00edjmov zamestnancov pr\u00edslu\u0161n\u00fdmi sadzbami poistn\u00e9ho.<\/p>\n","protected":false},"excerpt":{"rendered":"

Zam\u00fd\u0161\u013eali ste sa niekedy nad t\u00fdm, pre\u010do je zdravotn\u00e9 poistenie potrebn\u00e9 a  \u010do vlastne predstavuje? [\u2026]<\/span><\/p>\n","protected":false},"author":6,"featured_media":1578,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1577","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seo"],"public_preview_url":"https:\/\/www.multibox.sk\/clanky\/?p=1577&preview=1&_ppp=64c666ecf5","_links":{"self":[{"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/posts\/1577","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/comments?post=1577"}],"version-history":[{"count":1,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/posts\/1577\/revisions"}],"predecessor-version":[{"id":1580,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/posts\/1577\/revisions\/1580"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/media\/1578"}],"wp:attachment":[{"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/media?parent=1577"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/categories?post=1577"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/tags?post=1577"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}