{"id":1223912,"date":"2025-04-17T03:30:14","date_gmt":"2025-04-17T00:30:14","guid":{"rendered":"https:\/\/robin.jobs\/sk\/?p=1223912"},"modified":"2026-01-09T05:17:21","modified_gmt":"2026-01-09T02:17:21","slug":"zdravotne-poistenie-v-holandsku","status":"publish","type":"post","link":"https:\/\/robin.jobs\/sk\/praca-v-zahranice\/zdravotne-poistenie-v-holandsku","title":{"rendered":"Zdravotn\u00e9 poistenie v Holandsku pre cudzincov"},"content":{"rendered":"<p><b>Holandsk\u00fd zdravotn\u00edcky syst\u00e9m kombinuje verejn\u00e9 a s\u00fakromn\u00e9 zdravotn\u00e9 poistenie jedine\u010dn\u00fdm sp\u00f4sobom.<\/b><span style=\"font-weight: 400;\"> Vl\u00e1da zohr\u00e1va k\u013e\u00fa\u010dov\u00fa \u00falohu kontrolou pois\u0165ovacieho sektora, stanoven\u00edm minim\u00e1lnych po\u017eiadaviek na krytie a financovan\u00edm prostredn\u00edctvom da\u0148ov\u00fdch pr\u00edjmov a pr\u00edspevkov na zdravotn\u00fa starostlivos\u0165. Ka\u017ed\u00fd obyvate\u013e je povinn\u00fd ma\u0165 minim\u00e1lnu \u00farove\u0148 zdravotn\u00e9ho poistenia od s\u00fakromn\u00fdch poskytovate\u013eov.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Okrem povinn\u00e9ho z\u00e1kladn\u00e9ho poistenia si m\u00f4\u017eu \u013eudia zvoli\u0165 doplnkov\u00e9 poistenie na krytie napr\u00edklad zubnej starostlivosti, fyzioterapie alebo alternat\u00edvnej medic\u00edny.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tento dvoj\u00farov\u0148ov\u00fd syst\u00e9m zdravotn\u00e9ho poistenia v Holandsku umo\u017e\u0148uje prisp\u00f4sobenie poistenia pod\u013ea potrieb a z\u00e1rove\u0148 zaru\u010duje univerz\u00e1lny pr\u00edstup k zdravotnej starostlivosti.<\/span><\/p>\n<h2>Porovn\u00e1vacia tabu\u013eka holandsk\u00e9ho zdravotn\u00e9ho poistenia<\/h2>\n<table>\n<tbody>\n<tr>\n<td><b>Pois\u0165ov\u0148a<\/b><\/td>\n<td><b>\u00darove\u0148 krytia<\/b><\/td>\n<td><b>Geografick\u00e9 pokrytie<\/b><\/td>\n<td><b>Hlavn\u00e9 benefity<\/b><\/td>\n<td><b>Odhadovan\u00e9 mesa\u010dn\u00e9 poistn\u00e9<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>a.s.r.<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Z\u00e1kladn\u00e9\/doplnkov\u00e9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Holandsko\/ Eur\u00f3pa \/ Celosvetovo<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bezplatn\u00e1 \u00farazov\u00e1 fyzioterapia a zubn\u00e9 poistenie: a\u017e do v\u00fd\u0161ky \u20ac10 000 navy\u0161e po \u00faraze.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ve\u013ekorys\u00e9 \u00fahrady za fyzioterapiu, alternat\u00edvnu starostlivos\u0165 a ortodonciu.<\/span><\/li>\n<\/ul>\n<\/td>\n<td><span style=\"font-weight: 400;\">\u20ac 141,50+<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Allianz Care<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Z\u00e1kladn\u00e9\/doplnkov\u00e9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Glob\u00e1lne<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zdravotn\u00e1 starostlivos\u0165 praktick\u00e9ho lek\u00e1ra (rodinn\u00fd lek\u00e1r)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nemocni\u010dn\u00e1 lie\u010dba<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lieky<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Psychiatrick\u00e1 starostlivos\u0165<\/span><\/li>\n<\/ul>\n<\/td>\n<td><span style=\"font-weight: 400;\">Z\u00edskajte ponuku priamo od nich na z\u00e1klade va\u0161ich aktu\u00e1lnych potrieb<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Cigna Global<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Z\u00e1kladn\u00fd\/komplexn\u00fd<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Glob\u00e1lne<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Z\u00e1kladn\u00e1 zdravotn\u00e1 starostlivos\u0165 vr\u00e1tane pobytu v nemocnici a lie\u010dby<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexibiln\u00e9 pl\u00e1ny prisp\u00f4soben\u00e9 va\u0161im potreb\u00e1m a rozpo\u010dtu<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prioritn\u00fd pr\u00edstup k podpore od lek\u00e1rov a zdravotn\u00fdch sestier Cigna<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Podpora celej zdravotnej starostlivosti prostredn\u00edctvom cel\u00e9ho radu n\u00e1strojov, produktov a rie\u0161en\u00ed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Digit\u00e1lny port\u00e1l na bezpe\u010dn\u00e9 ukladanie d\u00f4le\u017eit\u00fdch dokumentov<\/span><\/li>\n<\/ul>\n<\/td>\n<td><span style=\"font-weight: 400;\">Z\u00edskajte bezplatn\u00fa ponuku na z\u00e1klade va\u0161ich potrieb na ich webovej str\u00e1nke.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>FBTO<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Z\u00e1kladn\u00fd\/komplexn\u00fd<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Holandsko<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zdravotn\u00e1 starostlivos\u0165 praktick\u00e9ho lek\u00e1ra (rodinn\u00fd lek\u00e1r)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nemocni\u010dn\u00e1 lie\u010dba<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lieky<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Psychiatrick\u00e1 starostlivos\u0165<\/span><\/li>\n<\/ul>\n<\/td>\n<td><span style=\"font-weight: 400;\">\u20ac131,95<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>ONVZ<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Z\u00e1kladn\u00fd\/komplexn\u00fd<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Holandsko<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zdravotn\u00e1 starostlivos\u0165 praktick\u00e9ho lek\u00e1ra (rodinn\u00fd lek\u00e1r)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nemocni\u010dn\u00e1 lie\u010dba<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lieky<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Psychiatrick\u00e1 starostlivos\u0165<\/span><\/li>\n<\/ul>\n<\/td>\n<td><span style=\"font-weight: 400;\">\u20ac142,90<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>UnitedConsumers<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Z\u00e1kladn\u00fd\/komplexn\u00fd<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Holandsko<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zdravotn\u00e1 starostlivos\u0165 praktick\u00e9ho lek\u00e1ra (rodinn\u00fd lek\u00e1r)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nemocni\u010dn\u00e1 lie\u010dba<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lieky<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Psychiatrick\u00e1 starostlivos\u0165<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Politika bez \u010dakania<\/span><\/li>\n<\/ul>\n<\/td>\n<td><span style=\"font-weight: 400;\">\u20ac146,95<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Zilveren Kruis<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Z\u00e1kladn\u00fd\/komplexn\u00fd<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Holandsko<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zdravotn\u00e1 starostlivos\u0165 praktick\u00e9ho lek\u00e1ra (rodinn\u00fd lek\u00e1r)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nemocni\u010dn\u00e1 lie\u010dba<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lieky<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Psychiatrick\u00e1 starostlivos\u0165<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Priame prijatie<\/span><\/li>\n<\/ul>\n<\/td>\n<td><span style=\"font-weight: 400;\">\u20ac147,45<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Holandsk\u00e9 zdravotn\u00e9 pois\u0165ovne<\/h2>\n<p><span style=\"font-weight: 400;\">Holandsk\u00fd sektor zdravotn\u00e9ho poistenia pon\u00faka r\u00f4znych poskytovate\u013eov, vr\u00e1tane dom\u00e1cich aj medzin\u00e1rodn\u00fdch spolo\u010dnost\u00ed. Pre \u010dast\u00fdch cestovate\u013eov a cudzincov m\u00f4\u017ee by\u0165 ide\u00e1lne glob\u00e1lne krytie. Tieto spolo\u010dnosti patria medzi najlep\u0161ie mo\u017enosti zdravotn\u00e9ho poistenia v Holandsku pre cudzincov:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A.s.r.,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Allianz Care,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cigna Global,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">FBTO,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ONVZ,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">UnitedConsumers,<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">a Zilveren Kruis.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">V\u00fdber spr\u00e1vneho pl\u00e1nu zdravotn\u00e9ho poistenia pre cudzincov v\u0161ak m\u00f4\u017ee by\u0165 n\u00e1ro\u010dn\u00fd. <\/span><b>Pam\u00e4tajte, \u017ee zmenu zdravotn\u00e9ho poistenia m\u00f4\u017eete vykona\u0165 iba raz ro\u010dne, zvy\u010dajne medzi novembrom a decembrom.<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Na u\u013eah\u010denie rozhodovania medzi pois\u0165ov\u0148ami v Holandsku zv\u00e1\u017ete pou\u017eitie online porovn\u00e1vac\u00edch n\u00e1strojov. Faktory, ako je sie\u0165 poskytovate\u013eov zdravotnej starostlivosti pois\u0165ovne a mesa\u010dn\u00e1 pr\u00e9mia, m\u00f4\u017eu ovplyvni\u0165 v\u00e1\u0161 v\u00fdber.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Ak h\u013ead\u00e1te doplnkov\u00e9 krytie nad r\u00e1mec povinn\u00e9ho z\u00e1kladn\u00e9ho poistenia, starostlivo porovnajte r\u00f4zne pl\u00e1ny, aby ste na\u0161li najvhodnej\u0161\u00ed pre va\u0161e potreby.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">a.s.r. Zdravotn\u00e1 pois\u0165ov\u0148a<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A.s.r. je zn\u00e1my poskytovate\u013e zdravotn\u00e9ho poistenia v Holandsku. Pon\u00fakaj\u00fa z\u00e1kladn\u00e9 aj doplnkov\u00e9 poistn\u00e9 pl\u00e1ny. So spolo\u010dnos\u0165ou a.s.r. z\u00edskate z\u00e1kladn\u00e9 zdravotn\u00e9 poistenie (Basisverzekering):<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Vo\u013en\u00fd v\u00fdber nemocnice<\/b><span style=\"font-weight: 400;\"> &#8211; a.s.r. je zn\u00e1ma t\u00fdm, \u017ee pon\u00faka vo\u013enos\u0165 pri v\u00fdbere nemocn\u00edc.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Komplexn\u00e9 krytie<\/b><span style=\"font-weight: 400;\"> &#8211; Kryje z\u00e1kladn\u00e9 zdravotn\u00e9 slu\u017eby pod\u013ea po\u017eiadaviek holandskej vl\u00e1dy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Konkuren\u010dn\u00e9 poistn\u00e9<\/b><span style=\"font-weight: 400;\"> &#8211; Hoci sa ceny m\u00f4\u017eu l\u00ed\u0161i\u0165, a.s.r. zvy\u010dajne pon\u00faka konkurencieschopn\u00e9 sadzby.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Doplnkov\u00e9 poistenie (Aanvullende Verzekering) so spolo\u010dnos\u0165ou a.s.r.<\/b><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0160irok\u00e1 ponuka mo\u017enost\u00ed<\/b><span style=\"font-weight: 400;\"> &#8211; a.s.r. pon\u00faka r\u00f4zne doplnkov\u00e9 poistn\u00e9 pl\u00e1ny, ktor\u00e9 vyhovuj\u00fa r\u00f4znym potreb\u00e1m.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prisp\u00f4sobenie<\/b><span style=\"font-weight: 400;\"> &#8211; Poistenie si m\u00f4\u017eete upravi\u0165 pod\u013ea svojich konkr\u00e9tnych zdravotn\u00fdch potrieb.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Potenci\u00e1lne z\u013eavy<\/b><span style=\"font-weight: 400;\"> &#8211; V z\u00e1vislosti od va\u0161ich okolnost\u00ed m\u00f4\u017eete ma\u0165 n\u00e1rok na z\u013eavy na doplnkov\u00e9 poistenie.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">N\u00e1js\u0165 najlacnej\u0161ie zdravotn\u00e9 poistenie v Holandsku nie je jednoduch\u00e9, preto\u017ee poistn\u00e9 poplatky sa m\u00f4\u017eu ka\u017edoro\u010dne meni\u0165. Spolu\u00fa\u010das\u0165 (Eigen Risico) je v\u0161ak fixn\u00e1 suma, ktor\u00fa zaplat\u00edte pred t\u00fdm, ako za\u010dne poistenie kry\u0165 n\u00e1klady. T\u00e1to suma je rovnak\u00e1 u v\u0161etk\u00fdch pois\u0165ovn\u00ed.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Allianz Care: Medzin\u00e1rodn\u00e1 zdravotn\u00e1 pois\u0165ov\u0148a<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Allianz Care je medzin\u00e1rodn\u00fd poskytovate\u013e zdravotn\u00e9ho poistenia a s\u00fa\u010das\u0165 v\u00e4\u010d\u0161ej skupiny Allianz. \u0160pecializuj\u00fa sa na poskytovanie komplexn\u00fdch z\u00e1kladn\u00fdch poistn\u00fdch pl\u00e1nov pre jednotlivcov a rodiny, ktor\u00e9 \u017eij\u00fa alebo cestuj\u00fa do zahrani\u010dia. K\u013e\u00fa\u010dov\u00e9 vlastnosti:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Glob\u00e1lne krytie<\/b><span style=\"font-weight: 400;\"> &#8211; Allianz Care pon\u00faka pl\u00e1ny, ktor\u00e9 v\u00e1s kryj\u00fa v r\u00f4znych krajin\u00e1ch, ide\u00e1lne pre cudzincov a medzin\u00e1rodn\u00fdch cestovate\u013eov.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Komplexn\u00e9 krytie<\/b><span style=\"font-weight: 400;\"> &#8211; Pl\u00e1ny \u010dasto zah\u0155\u0148aj\u00fa \u0161irok\u00fa \u0161k\u00e1lu benefitov, ako je hospitaliz\u00e1cia, ambulantn\u00e1 starostlivos\u0165, n\u00fadzov\u00e1 lek\u00e1rska evaku\u00e1cia a repatri\u00e1cia.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Glob\u00e1lna sie\u0165<\/b><span style=\"font-weight: 400;\"> &#8211; Allianz Care m\u00e1 rozsiahlu sie\u0165 poskytovate\u013eov zdravotnej starostlivosti po celom svete, \u010do zabezpe\u010duje pr\u00edstup ku kvalitnej starostlivosti.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Doplnkov\u00e9 slu\u017eby<\/b><span style=\"font-weight: 400;\"> &#8211; Mnoh\u00e9 pl\u00e1ny zah\u0155\u0148aj\u00fa aj benefity, ako je 24\/7 viacjazy\u010dn\u00e1 podpora, cestovn\u00e1 asistencia a wellness programy.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Allianz Care zvy\u010dajne pon\u00faka nieko\u013eko typov pl\u00e1nov, ktor\u00e9 vyhovuj\u00fa r\u00f4znym potreb\u00e1m a rozpo\u010dtom:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Z\u00e1kladn\u00e9 pl\u00e1ny<\/b><span style=\"font-weight: 400;\"> &#8211; Tieto pl\u00e1ny poskytuj\u00fa z\u00e1kladn\u00e9 krytie pre hospitaliz\u00e1ciu a ambulantn\u00fa starostlivos\u0165 vr\u00e1tane pobytu v nemocnici, oper\u00e1ci\u00ed a n\u00e1v\u0161tev lek\u00e1ra.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Volite\u013en\u00e9 pl\u00e1ny<\/b><span style=\"font-weight: 400;\"> &#8211; M\u00f4\u017eete roz\u0161\u00edri\u0165 svoj z\u00e1kladn\u00fd pl\u00e1n o doplnkov\u00e9 krytie pre \u0161pecifick\u00e9 potreby, ako je zubn\u00e1 starostlivos\u0165, tehotenstvo alebo repatri\u00e1cia.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kr\u00e1tkodob\u00e9 pl\u00e1ny<\/b><span style=\"font-weight: 400;\"> &#8211; Navrhnut\u00e9 pre do\u010dasn\u00e9 pobyty v zahrani\u010d\u00ed, tieto pl\u00e1ny pon\u00fakaj\u00fa flexibiln\u00e9 mo\u017enosti krytia.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Cena zdravotn\u00e9ho poistenia sa l\u00ed\u0161i v z\u00e1vislosti od veku, miesta pobytu, zvolen\u00e9ho pl\u00e1nu a \u00farovne krytia. Niektor\u00e9 pl\u00e1ny m\u00f4\u017eu obsahova\u0165 spolu\u00fa\u010das\u0165, ktor\u00fa mus\u00edte zaplati\u0165 pred t\u00fdm, ako za\u010dne plati\u0165 poistenie. Je d\u00f4le\u017eit\u00e9 by\u0165 si vedom\u00fd ak\u00fdchko\u013evek podmienok alebo lie\u010dby, ktor\u00e9 zmluvn\u00ed poskytovatelia zdravotnej starostlivosti nekryj\u00fa.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Cigna Global Zdravotn\u00e1 pois\u0165ov\u0148a<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Cigna Global je medzin\u00e1rodn\u00fd poskytovate\u013e zdravotn\u00e9ho poistenia, ktor\u00fd pon\u00faka pl\u00e1ny \u0161peci\u00e1lne navrhnut\u00e9 pre cudzincov. Poskytuj\u00fa krytie vo viacer\u00fdch krajin\u00e1ch a regi\u00f3noch.<\/span><\/p>\n<p><b>K\u013e\u00fa\u010dov\u00e9 vlastnosti Cigna Global:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Glob\u00e1lne krytie<\/b><span style=\"font-weight: 400;\"> &#8211; Pon\u00faka pl\u00e1ny s celosvetov\u00fdm kryt\u00edm, vr\u00e1tane alebo bez zahrnutia USA.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Komplexn\u00e9 krytie<\/b><span style=\"font-weight: 400;\"> &#8211; Zah\u0155\u0148a lek\u00e1rske pohotovosti, hospitaliz\u00e1ciu, ambulantn\u00fa starostlivos\u0165, starostlivos\u0165 o tehotn\u00e9 \u017eeny (pri konkr\u00e9tnych pl\u00e1noch), du\u0161evn\u00e9 zdravie a \u010fal\u0161ie slu\u017eby.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Glob\u00e1lna sie\u0165<\/b><span style=\"font-weight: 400;\"> &#8211; Pr\u00edstup k rozsiahlej sieti poskytovate\u013eov zdravotnej starostlivosti po celom svete.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Podpora 24\/7<\/b><span style=\"font-weight: 400;\"> &#8211; Poskytuje viacjazy\u010dn\u00e9 podporn\u00e9 slu\u017eby.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prisp\u00f4sobenie<\/b><span style=\"font-weight: 400;\"> &#8211; R\u00f4zne mo\u017enosti pl\u00e1nov na uspokojenie r\u00f4znych potrieb a rozpo\u010dtov.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Digit\u00e1lna platforma<\/b><span style=\"font-weight: 400;\"> &#8211; Online port\u00e1l na spr\u00e1vu n\u00e1rokov, vyh\u013ead\u00e1vanie poskytovate\u013eov a pr\u00edstup k inform\u00e1ci\u00e1m o poistnej zmluve.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">N\u00e1klady sa l\u00ed\u0161ia v z\u00e1vislosti od veku, miesta pobytu, zvolen\u00e9ho pl\u00e1nu a \u00farovne krytia. Majte na pam\u00e4ti, \u017ee pred za\u010diatkom krytia m\u00f4\u017eete musie\u0165 zaplati\u0165 spolu\u00fa\u010das\u0165. Niektor\u00e9 podmienky alebo o\u0161etrenia bohu\u017eia\u013e nemusia by\u0165 kryt\u00e9.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">FBTO Zdravotn\u00e1 pois\u0165ov\u0148a<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">FBTO je holandsk\u00e1 zdravotn\u00e1 pois\u0165ov\u0148a zn\u00e1ma svojimi konkurencieschopn\u00fdmi pr\u00e9miami a flexibiln\u00fdmi poistn\u00fdmi politikami. Patr\u00ed do v\u00e4\u010d\u0161ej pois\u0165ovacej skupiny Achmea.<\/span><\/p>\n<p><b>K\u013e\u00fa\u010dov\u00e9 vlastnosti FBTO:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Konkuren\u010dn\u00e9 poistn\u00e9<\/b><span style=\"font-weight: 400;\"> &#8211; FBTO \u010dasto pon\u00faka ni\u017e\u0161ie poistn\u00e9 v porovnan\u00ed s in\u00fdmi pois\u0165ov\u0148ami.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Flexibiln\u00e9 pl\u00e1ny<\/b><span style=\"font-weight: 400;\"> &#8211; Poistenie si m\u00f4\u017eete prisp\u00f4sobi\u0165 v\u00fdberom z r\u00f4znych z\u00e1kladn\u00fdch bal\u00edkov a doplnkov\u00fdch modulov.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kvalitn\u00e1 z\u00e1kazn\u00edcka podpora<\/b><span style=\"font-weight: 400;\"> &#8211; FBTO je zn\u00e1ma svojimi dobr\u00fdmi slu\u017ebami z\u00e1kazn\u00edkom.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0160irok\u00e1 ponuka slu\u017eieb<\/b><span style=\"font-weight: 400;\"> &#8211; Pon\u00faka r\u00f4zne produkty poistenia nad r\u00e1mec zdravotn\u00e9ho, ako je poistenie dom\u00e1cnosti, auta a cestovania.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">FBTO poskytuje r\u00f4zne typy poistn\u00fdch pl\u00e1nov. M\u00f4\u017eete si vybra\u0165 z:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Z\u00e1kladn\u00e9 holandsk\u00e9 zdravotn\u00e9 poistenie (Basisverzekering)<\/b><span style=\"font-weight: 400;\"> &#8211; Kryje z\u00e1kladn\u00fa zdravotn\u00fa starostlivos\u0165, ako s\u00fa n\u00e1v\u0161tevy lek\u00e1ra, hospitaliz\u00e1cia a predp\u00edsan\u00e9 lieky. FBTO pon\u00faka r\u00f4zne z\u00e1kladn\u00e9 bal\u00edky s odli\u0161n\u00fdmi \u00farov\u0148ami krytia.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Doplnkov\u00e9 poistenie (Aanvullende Verzekering)<\/b><span style=\"font-weight: 400;\"> &#8211; Zah\u0155\u0148a dodato\u010dn\u00e9 zdravotn\u00e9 slu\u017eby, ako s\u00fa zubn\u00e1 starostlivos\u0165, fyzioterapia a alternat\u00edvna medic\u00edna. Krytie si m\u00f4\u017eete prisp\u00f4sobi\u0165 v\u00fdberom r\u00f4znych modulov.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cestovn\u00e9 poistenie<\/b><span style=\"font-weight: 400;\"> &#8211; FBTO pon\u00faka mo\u017enosti cestovn\u00e9ho poistenia pre kr\u00e1tkodob\u00e9 aj dlhodob\u00e9 cesty.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Je d\u00f4le\u017eit\u00e9 porovna\u0165 r\u00f4zne zdravotn\u00e9 poistenia v Holandsku s ponukou FBTO, aby ste na\u0161li najlep\u0161iu mo\u017enos\u0165 pre va\u0161e individu\u00e1lne potreby. Faktory, ako vek, zdravotn\u00fd stav a po\u017eadovan\u00e1 \u00farove\u0148 krytia, ovplyvnia v\u00e1\u0161 v\u00fdber.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">ONVZ Zdravotn\u00e1 pois\u0165ov\u0148a<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">ONVZ je zn\u00e1my poskytovate\u013e zdravotn\u00e9ho poistenia v Holandsku, zn\u00e1my svojim zameran\u00edm na v\u00fdber z\u00e1kazn\u00edka a kvalitn\u00e9 slu\u017eby.<\/span><\/p>\n<p><b>K\u013e\u00fa\u010dov\u00e9 vlastnosti ONVZ:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Vo\u013en\u00fd v\u00fdber poskytovate\u013eov zdravotnej starostlivosti<\/b><span style=\"font-weight: 400;\"> &#8211; ONVZ pon\u00faka vysok\u00fa mieru vo\u013enosti pri v\u00fdbere lek\u00e1ra a nemocnice.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Politika \u00fahrady (Restitution Policy)<\/b><span style=\"font-weight: 400;\"> &#8211; Znamen\u00e1, \u017ee za zdravotn\u00e9 slu\u017eby zaplat\u00edte vopred a ONVZ v\u00e1m n\u00e1klady n\u00e1sledne preplat\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Spokojnos\u0165 z\u00e1kazn\u00edkov<\/b><span style=\"font-weight: 400;\"> &#8211; ONVZ pravidelne dost\u00e1va pozit\u00edvne ohlasy za svoju z\u00e1kazn\u00edcku podporu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Z\u00e1kladn\u00e9 holandsk\u00e9 zdravotn\u00e9 poistenie a doplnkov\u00e9 poistenie<\/b><span style=\"font-weight: 400;\"> &#8211; Rovnako ako in\u00e9 holandsk\u00e9 pois\u0165ovne, ONVZ pon\u00faka z\u00e1kladn\u00e9 aj doplnkov\u00e9 poistn\u00e9 pl\u00e1ny.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Hoci ONVZ je renomovanou pois\u0165ov\u0148ou, presn\u00e9 detaily v\u00e1\u0161ho krytia a poistn\u00e9ho bud\u00fa z\u00e1visie\u0165 od konkr\u00e9tneho pl\u00e1nu, ktor\u00fd si vyberiete. Na n\u00e1jdenie najlep\u0161ej mo\u017enosti pre va\u0161e potreby a rozpo\u010det je nevyhnutn\u00e9 porovna\u0165 ONVZ s in\u00fdmi pois\u0165ov\u0148ami pomocou online porovn\u00e1vac\u00edch n\u00e1strojov.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">UnitedConsumers Zdravotn\u00e1 pois\u0165ov\u0148a<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">UnitedConsumers je holandsk\u00e1 spotrebite\u013esk\u00e1 kooperat\u00edva, ktor\u00e1 pon\u00faka slu\u017eby zdravotn\u00e9ho poistenia. Je d\u00f4le\u017eit\u00e9 poznamena\u0165, \u017ee UnitedConsumers neposkytuje samotn\u00e9 poistenie, ale spolupracuje s in\u00fdmi pois\u0165ov\u0148ami a pon\u00faka svojim \u010dlenom v\u00fdhodn\u00e9 ponuky.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">UnitedConsumers spolupracuje s renomovan\u00fdmi pois\u0165ov\u0148ami, ako je VGZ, a poskytuje bal\u00ed\u010dky zdravotn\u00e9ho poistenia. \u010clenovia \u010dasto z\u00edskavaj\u00fa z\u013eavy na poistn\u00e9 za zdravotn\u00e9 poistenie.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M\u00f4\u017eete si vybra\u0165 z r\u00f4znych pl\u00e1nov zdravotn\u00e9ho poistenia pon\u00fakan\u00fdch VGZ, ktor\u00e9 s\u00fa prisp\u00f4soben\u00e9 va\u0161im potreb\u00e1m a rozpo\u010dtu. Konkr\u00e9tne krytie poskytovan\u00e9 cez UnitedConsumers z\u00e1vis\u00ed od pl\u00e1nu zdravotn\u00e9ho poistenia, ktor\u00fd si vyberiete. V\u0161eobecne v\u0161ak z\u00e1kladn\u00e9 pl\u00e1ny zdravotn\u00e9ho poistenia pokr\u00fdvaj\u00fa n\u00e1klady na zdravotn\u00fa starostlivos\u0165, ako s\u00fa:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e1v\u0161tevy lek\u00e1ra;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitaliz\u00e1cie;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Predpisovan\u00e9 lieky;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Niektor\u00e9 lek\u00e1rske o\u0161etrenia.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Pre podrobnej\u0161ie inform\u00e1cie o konkr\u00e9tnych pokrytiach, poistnom a dostupn\u00fdch pl\u00e1noch sa odpor\u00fa\u010da nav\u0161t\u00edvi\u0165<\/span> <a href=\"https:\/\/www.unitedconsumers.com\/zorgverzekering\/afsluiten\/health-insurance\" target=\"_blank\" rel=\"noopener\"><i><span style=\"font-weight: 400;\">webov\u00fa str\u00e1nku UnitedConsumers <\/span><\/i><\/a><span style=\"font-weight: 400;\">alebo priamo kontaktova\u0165 ich z\u00e1kazn\u00edcku podporu.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Zilveren Kruis Zdravotn\u00e1 pois\u0165ov\u0148a<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Zilveren Kruis je v\u00fdznamn\u00fdm poskytovate\u013eom zdravotn\u00e9ho poistenia v Holandsku, ktor\u00fd pon\u00faka z\u00e1kladn\u00e9 aj doplnkov\u00e9 poistn\u00e9 pl\u00e1ny.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Poskytuj\u00fa nieko\u013eko mo\u017enost\u00ed z\u00e1kladn\u00fdch bal\u00edkov zdravotn\u00e9ho poistenia, aby vyhoveli r\u00f4znym potreb\u00e1m a rozpo\u010dtom. V z\u00e1vislosti od zvolen\u00e9ho bal\u00edka si m\u00f4\u017eete vybra\u0165 z obmedzenej alebo \u0161ir\u0161ej siete poskytovate\u013eov zdravotnej starostlivosti. Okrem toho pon\u00fakaj\u00fa <\/span><b>Basis Plus Modul<\/b><span style=\"font-weight: 400;\">, ktor\u00fd za mal\u00fd mesa\u010dn\u00fd poplatok poskytuje dodato\u010dn\u00e9 preplatenia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Doplnkov\u00e9 mo\u017enosti zah\u0155\u0148aj\u00fa <\/span><b>bal\u00edk ZieZo<\/b><span style=\"font-weight: 400;\">, ktor\u00fd pon\u00faka v\u0161eobecn\u00e9 aj zubn\u00e9 poistenie. Svoj pl\u00e1n ZieZo si m\u00f4\u017eete prisp\u00f4sobi\u0165 tak, aby zodpovedal va\u0161im konkr\u00e9tnym potreb\u00e1m zdravotnej starostlivosti.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zilveren Kruis poskytuje online n\u00e1stroje a aplik\u00e1ciu na spr\u00e1vu v\u00e1\u0161ho poistenia a pod\u00e1vanie n\u00e1rokov. Spolo\u010dnos\u0165 pon\u00faka r\u00f4zne kan\u00e1ly z\u00e1kazn\u00edckej podpory vr\u00e1tane chatu a WhatsApp.<\/span><\/p>\n<h2>Ako funguje zdravotn\u00e9 poistenie v Holandsku<\/h2>\n<p><span style=\"font-weight: 400;\">V\u0161etci dospel\u00ed \u017eij\u00faci v Holandsku, vr\u00e1tane \u0161tudentov, cudzincov, pracovn\u00edkov a d\u00f4chodcov, musia ma\u0165 z\u00e1kladn\u00e9 zdravotn\u00e9 poistenie. Deti mlad\u0161ie ako 18 rokov s\u00fa poisten\u00e9 v r\u00e1mci poistnej zmluvy rodi\u010dov alebo opatrovn\u00edkov.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Okrem z\u00e1kladn\u00e9ho poistenia dospel\u00ed platia ro\u010dn\u00fd odpo\u010d\u00edtate\u013en\u00fd poplatok (<\/span><b>eigen risico<\/b><span style=\"font-weight: 400;\">) vo v\u00fd\u0161ke <\/span><b>385 \u20ac<\/b><span style=\"font-weight: 400;\">. Tento poplatok mus\u00edte uhradi\u0165 z vlastn\u00e9ho vrecka, k\u00fdm pois\u0165ov\u0148a za\u010dne pokr\u00fdva\u0165 zvy\u0161n\u00e9 n\u00e1klady. V\u00fdnimkou s\u00fa n\u00e1v\u0161tevy praktick\u00e9ho lek\u00e1ra, starostlivos\u0165 o matky a komunitn\u00e1 o\u0161etrovate\u013esk\u00e1 starostlivos\u0165, pri ktor\u00fdch sa odpo\u010d\u00edtate\u013en\u00fd poplatok neplat\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">K\u00fdm z\u00e1kladn\u00e9 poistenie pokr\u00fdva prim\u00e1rnu starostlivos\u0165, v\u00e4\u010d\u0161ina Holan\u010fanov m\u00e1 aj doplnkov\u00e9 zdravotn\u00e9 poistenie na roz\u0161\u00edren\u00e9 krytie. Toto doplnkov\u00e9 poistenie v\u0161ak nepokr\u00fdva odpo\u010d\u00edtate\u013en\u00fd poplatok ani osobn\u00e9 pr\u00edspevky.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u010co kryje z\u00e1kladn\u00e9 holandsk\u00e9 poistenie?<\/span><\/h3>\n<p><picture><source srcset=\"https:\/\/robin.jobs\/sk\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/12\/2025\/04\/zdravotne-poistenie-v-holandsku.png.webp 640w, https:\/\/robin.jobs\/sk\/wp-content\/webp-express\/webp-images\/doc-root\/wp-content\/uploads\/sites\/12\/2025\/04\/zdravotne-poistenie-v-holandsku-300x200.png.webp 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" type=\"image\/webp\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-1223914 webpexpress-processed\" src=\"https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/04\/zdravotne-poistenie-v-holandsku.png\" alt=\"Zdravotne Poistenie V Holandsku\" width=\"640\" height=\"427\" srcset=\"https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/04\/zdravotne-poistenie-v-holandsku.png 640w, https:\/\/robin.jobs\/sk\/wp-content\/uploads\/sites\/12\/2025\/04\/zdravotne-poistenie-v-holandsku-300x200.png 300w\" sizes=\"(max-width: 640px) 100vw, 640px\"><\/picture><\/p>\n<p><b>V\u0161etci obyvatelia Holandska s\u00fa povinn\u00ed ma\u0165 z\u00e1kladn\u00e9 zdravotn\u00e9 poistenie.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Toto poistenie je zn\u00e1me ako &#8222;z\u00e1kladn\u00fd bal\u00edk&#8220; a ka\u017edoro\u010dne sa prehodnocuje.<\/span><\/p>\n<p><b>Z\u00e1kladn\u00e9 zdravotn\u00e9 poistenie zah\u0155\u0148a:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00e1v\u0161tevy v\u0161eobecn\u00e9ho lek\u00e1ra (GP);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lek\u00e1rske n\u00e1klady, ako s\u00fa hospitaliz\u00e1cie, oper\u00e1cie a pohotovostn\u00e1 starostlivos\u0165;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Slu\u017eby ambulancie a prepravu pacientov;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Predpisovanie liekov;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Krvn\u00e9 testy;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zubn\u00fa starostlivos\u0165 pre deti mlad\u0161ie ako 18 rokov;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Obmedzen\u00fa zubn\u00fa starostlivos\u0165 pre dospel\u00fdch nad 18 rokov (len chirurgick\u00e9 z\u00e1kroky a r\u00f6ntgenov\u00e9 vy\u0161etrenia);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Starostlivos\u0165 o du\u0161evn\u00e9 zdravie;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Konzult\u00e1cie s intern\u00fdmi \u0161pecialistami, dermatol\u00f3gmi, alergol\u00f3gmi a in\u00fdmi medic\u00ednskymi \u0161pecialistami;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Starostlivos\u0165 po\u010das tehotenstva, p\u00f4rod a slu\u017eby p\u00f4rodn\u00fdch asistentiek;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pop\u00f4rodn\u00fa starostlivos\u0165;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Starostlivos\u0165 o osoby so zdravotn\u00fdm postihnut\u00edm;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Starostlivos\u0165 o seniorov;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">O\u0161etrovate\u013esk\u00fa starostlivos\u0165 na mieste;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nieko\u013eko terapeutick\u00fdch slu\u017eieb vr\u00e1tane di\u00e9tn\u00e9ho poradenstva, pracovnej terapie a logop\u00e9die;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fyzioterapiu pri chronick\u00fdch ochoreniach.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Doplnkov\u00e9 krytie poistenia<\/span><\/h3>\n<p><b>Aby ste pokryli \u010fal\u0161ie zdravotn\u00e9 n\u00e1klady, mo\u017eno budete musie\u0165 zak\u00fapi\u0165 doplnkov\u00e9 poistenie.<\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\">Tu prich\u00e1dzaj\u00fa do hry s\u00fakromn\u00e9 zdravotn\u00e9 pois\u0165ovne, ktor\u00e9 s\u00fa\u0165a\u017eia o poskytnutie najlep\u0161\u00edch poistn\u00fdch pl\u00e1nov, ktor\u00e9 vyhovuj\u00fa va\u0161im potreb\u00e1m a \u017eivotn\u00e9mu \u0161t\u00fdlu.<\/span><\/p>\n<p><b>Doplnkov\u00e9 poistenie pon\u00faka \u010diasto\u010dn\u00e9 krytie r\u00f4znych zdravotn\u00fdch slu\u017eieb; niektor\u00e9 pr\u00edklady s\u00fa nasledovn\u00e9:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dospel\u00ed nad 18 rokov dost\u00e1vaj\u00fa zubn\u00fa starostlivos\u0165, ktor\u00e1 zah\u0155\u0148a \u010distenie, hygienu, zubn\u00e9 implant\u00e1ty a v\u00fdplne;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00fadzov\u00e1 zdravotn\u00e1 starostlivos\u0165 pri cestovan\u00ed do zahrani\u010dia;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Alternat\u00edvne lie\u010dby, ako s\u00fa akupunkt\u00fara, chiropraktika a homeopatia;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">O\u010dkovania;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Antikoncepcia;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Okuliare a kontaktn\u00e9 \u0161o\u0161ovky;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sluchadl\u00e1;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Plastick\u00e1 chirurgia.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">V\u00fdber poskytovate\u013ea zdravotn\u00e9ho poistenia v Holandsku<\/span><\/h3>\n<p><b>Hoci v\u0161etky z\u00e1kladn\u00e9 zdravotn\u00e9 poistenia v Holandsku pokr\u00fdvaj\u00fa rovnak\u00e9 z\u00e1kladn\u00e9 slu\u017eby, existuj\u00fa k\u013e\u00fa\u010dov\u00e9 faktory, ktor\u00e9 treba zv\u00e1\u017ei\u0165 pri v\u00fdbere poskytovate\u013ea:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Poistn\u00e9<\/b><span style=\"font-weight: 400;\"> &#8211; N\u00e1klady sa l\u00ed\u0161ia medzi pois\u0165ovate\u013emi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Odpo\u010det (Eigen Risico)<\/b><span style=\"font-weight: 400;\"> &#8211; Ide o pevn\u00fa sumu, ktor\u00fa plat\u00edte pred t\u00fdm, ako v\u00e1m pois\u0165ov\u0148a za\u010dne kry\u0165 n\u00e1klady. V\u0161etci pois\u0165ovatelia pon\u00fakaj\u00fa rovnak\u00fd \u0161tandardn\u00fd odpo\u010det, ale niektor\u00ed m\u00f4\u017eu pon\u00faknu\u0165 mo\u017enosti vy\u0161\u0161\u00edch odpo\u010dtov s ni\u017e\u0161\u00edmi poistn\u00fdmi pr\u00edspevkami.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>V\u00fdber nemocnice<\/b><span style=\"font-weight: 400;\"> &#8211; Zdravotn\u00e1 pois\u0165ov\u0148a m\u00f4\u017ee pon\u00faknu\u0165 &#8222;vo\u013en\u00fd v\u00fdber nemocnice&#8220;, \u010do v\u00e1m umo\u017en\u00ed vybra\u0165 si ak\u00fako\u013evek nemocnicu, zatia\u013e \u010do in\u00ed pois\u0165ovatelia maj\u00fa zmluvn\u00e9 siete.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Doplnkov\u00e9 zdravotn\u00e9 poistenie<\/b><span style=\"font-weight: 400;\"> &#8211; Zv\u00e1\u017ete, \u010di potrebujete doplnkov\u00e9 poistenie na zubn\u00fa starostlivos\u0165, fyzioterapiu alebo alternat\u00edvne lie\u010dby.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Z\u00e1kazn\u00edcky servis<\/b><span style=\"font-weight: 400;\"> &#8211; Pre\u010d\u00edtajte si recenzie a porovnajte hodnotenia spokojnosti z\u00e1kazn\u00edkov.<\/span><\/li>\n<\/ul>\n<h2>Ako sa zaregistrova\u0165 na zdravotn\u00e9 poistenie v Holandsku?<\/h2>\n<p><span style=\"font-weight: 400;\">Zvy\u010dajne sa m\u00f4\u017eete prihl\u00e1si\u0165 do holandsk\u00e9ho povinn\u00e9ho zdravotn\u00e9ho poistenia online alebo telefonicky. Tento proces zah\u0155\u0148a nieko\u013eko krokov.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Krok 1: Registrova\u0165 sa na holandskej obci<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Prv\u00fdm krokom k z\u00edskaniu holandsk\u00e9ho z\u00e1kladn\u00e9ho zdravotn\u00e9ho poistenia je registr\u00e1cia na miestnej obci (gemeente). Tento proces je nevyhnutn\u00fd na z\u00edskanie \u010d\u00edsla slu\u017eby ob\u010dana (BSN), ktor\u00e9 je potrebn\u00e9 na r\u00f4zne administrat\u00edvne proced\u00fary, vr\u00e1tane registr\u00e1cie na zdravotn\u00e9 poistenie.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Krok 2: Vybra\u0165 si poskytovate\u013ea zdravotn\u00e9ho poistenia<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ke\u010f m\u00e1te ako expat z Holandska BSN, m\u00f4\u017eete si vybra\u0165 poskytovate\u013ea zdravotn\u00e9ho poistenia. Holandsko pon\u00faka nieko\u013eko mo\u017enost\u00ed, ka\u017ed\u00fa s r\u00f4znymi pl\u00e1nmi pokrytia a poistn\u00fdmi pr\u00edspevkami. Je vhodn\u00e9 porovna\u0165 pl\u00e1ny a vybra\u0165 si ten, ktor\u00fd najlep\u0161ie vyhovuje va\u0161im potreb\u00e1m a rozpo\u010dtu.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Krok 3: Prihl\u00e1si\u0165 sa do holandsk\u00e9ho z\u00e1kladn\u00e9ho zdravotn\u00e9ho poistenia<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Prihl\u00e1senie do holandsk\u00e9ho z\u00e1kladn\u00e9ho zdravotn\u00e9ho poistenia (basisverzekering) je povinn\u00e9 pre v\u0161etk\u00fdch obyvate\u013eov Holandska. Pokr\u00fdva z\u00e1kladn\u00e9 zdravotn\u00e9 slu\u017eby ako n\u00e1v\u0161tevy lek\u00e1rov, hospitaliz\u00e1cie a predpisovanie liekov.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Krok 4: Pochopi\u0165 Eigen Risico (odpo\u010det)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Eigen risico je ro\u010dn\u00e1 suma, ktor\u00fa plat\u00edte z vlastn\u00e9ho vrecka, k\u00fdm zdravotn\u00e9 poistenie neza\u010dne pokr\u00fdva\u0165 n\u00e1klady na zdravotn\u00fa starostlivos\u0165. T\u00e1to suma je \u0161tandardn\u00e1 pre v\u0161etk\u00fdch pois\u0165ovate\u013eov. Hoci to m\u00f4\u017ee p\u00f4sobi\u0165 ako \u010fal\u0161\u00ed v\u00fddavok, \u010dasto to vedie k ni\u017e\u0161\u00edm poistn\u00fdm pr\u00edspevkom.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Krok 5: Po\u017eiada\u0165 o pr\u00edspevok na zdravotn\u00fa starostlivos\u0165 (zorgtoeslag)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ak v\u00e1\u0161 pr\u00edjem klesne pod ur\u010dit\u00fa hranicu, m\u00f4\u017eete by\u0165 opr\u00e1vnen\u00ed na pr\u00edspevok na zdravotn\u00fa starostlivos\u0165 (zorgtoeslag). Tento finan\u010dn\u00fd pr\u00edspevok sa pou\u017e\u00edva na pokrytie va\u0161ich poistn\u00fdch pr\u00edspevkov. O tento pr\u00edspevok m\u00f4\u017eete po\u017eiada\u0165 cez holandsk\u00fd da\u0148ov\u00fd \u00farad (Belastingdienst).<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Okrem pr\u00edspevku na zdravotn\u00fa starostlivos\u0165 sa budete musie\u0165 obr\u00e1ti\u0165 na Belastingdienst aj pri in\u00fdch z\u00e1le\u017eitostiach s\u00favisiacich so zdravotnou starostlivos\u0165ou, ako s\u00fa da\u0148ov\u00e9 odpo\u010dty za konkr\u00e9tne zdravotn\u00e9 n\u00e1klady.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Poistn\u00e9 pr\u00edspevky a faktory ovplyv\u0148uj\u00face n\u00e1klady<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Poistn\u00e9 pr\u00edspevky sa l\u00ed\u0161ia na z\u00e1klade nieko\u013ek\u00fdch faktorov, vr\u00e1tane:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Vek<\/b><span style=\"font-weight: 400;\"> &#8211; Star\u0161\u00ed jednotlivci zvy\u010dajne platia vy\u0161\u0161ie poistn\u00e9 pr\u00edspevky za zdravotn\u00fa starostlivos\u0165.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Vybran\u00fd pl\u00e1n<\/b><span style=\"font-weight: 400;\"> &#8211; R\u00f4zne pl\u00e1ny pon\u00fakaj\u00fa r\u00f4zne \u00farovne pokrytia a cena sa tomu prisp\u00f4sobuje.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Odpo\u010det<\/b><span style=\"font-weight: 400;\"> &#8211; V\u00fdber vy\u0161\u0161ieho odpo\u010dtu \u010dasto vedie k ni\u017e\u0161\u00edm poistn\u00fdm pr\u00edspevkom.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pr\u00edjem<\/b><span style=\"font-weight: 400;\"> &#8211; Pr\u00edspevok na zdravotn\u00fa starostlivos\u0165 (zorgtoeslag) m\u00f4\u017ee v\u00fdrazne zn\u00ed\u017ei\u0165 va\u0161e celkov\u00e9 n\u00e1klady.<\/span><\/li>\n<\/ul>\n<h2>Tipy na holandsk\u00e9 zdravotn\u00e9 poistenie<\/h2>\n<p><span style=\"font-weight: 400;\">Pod\u013ea z\u00e1kona o zdravotnej starostlivosti a z\u00e1kona o poisten\u00ed musia v\u0161etci obyvatelia ma\u0165 z\u00e1kladn\u00e9 zdravotn\u00e9 poistenie bez oh\u013eadu na ich zdravie, pohlavie alebo vek. V\u0161etci pr\u00edjmov\u00ed n\u00edzkopr\u00edjmov\u00ed jednotlivci m\u00f4\u017eu kvalifikova\u0165 na pr\u00edspevok na zdravotn\u00fa starostlivos\u0165, ktor\u00fd pom\u00f4\u017ee pokry\u0165 poistn\u00e9 pr\u00edspevky.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Pam\u00e4tajte, \u017ee mnoh\u00e9 medzin\u00e1rodn\u00e9 spolo\u010dnosti pon\u00fakaj\u00fa z\u013eavnen\u00e9 poistenie prostredn\u00edctvom skupinov\u00fdch pl\u00e1nov; overte si t\u00fato inform\u00e1ciu vo va\u0161ej spolo\u010dnosti. Bu\u010fte si vedom\u00ed mo\u017en\u00fdch \u010dakac\u00edch d\u00f4b na niektor\u00e9 lie\u010dby; niektor\u00e9 vy\u0161etrenia budete musie\u0165 napl\u00e1nova\u0165 nieko\u013eko mesiacov dopredu.<\/span><\/p>\n<h2>Z\u00e1ver o zdravotnom poisten\u00ed v Holandsku<\/h2>\n<p><span style=\"font-weight: 400;\">Na z\u00e1ver, v\u0161etci obyvatelia musia ma\u0165 z\u00e1kladn\u00e9 poistenie, ktor\u00e9 pois\u0165ovatelia nem\u00f4\u017eu odmietnu\u0165 na z\u00e1klade zdravia alebo osobn\u00fdch faktorov. V\u00fdber spr\u00e1vneho zdravotn\u00e9ho poistenia je k\u013e\u00fa\u010dov\u00fd pre va\u0161e zdravie a finan\u010dn\u00fa bezpe\u010dnos\u0165.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Starostliv\u00fdm zv\u00e1\u017een\u00edm va\u0161ich potrieb a mo\u017enost\u00ed si m\u00f4\u017eete n\u00e1js\u0165 najlep\u0161ie pokrytie pre v\u00e1s.<\/span><\/p>\n<p><b>Ste pripraven\u00ed na \u010fal\u0161\u00ed krok vo va\u0161om \u017eivote? <\/b><span style=\"font-weight: 400;\">Pre\u010do sa nerozhodn\u00fa\u0165 sta\u0165 sa holandsk\u00fdm expatom? Ak v\u00e1s to zauj\u00edma, r\u00fdchlo presk\u00famajte <\/span><a href=\"https:\/\/robin.jobs\/sk\/ponuka-prace-v-zahranici\/ponuka-prace-holandsko\"><span style=\"font-weight: 400;\">Presk\u00famajte vzru\u0161uj\u00face pracovn\u00e9 pr\u00edle\u017eitosti na Robin<\/span><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Holandsk\u00fd zdravotn\u00edcky syst\u00e9m kombinuje verejn\u00e9 a s\u00fakromn\u00e9 zdravotn\u00e9 poistenie jedine\u010dn\u00fdm sp\u00f4sobom. Vl\u00e1da zohr\u00e1va k\u013e\u00fa\u010dov\u00fa \u00falohu kontrolou pois\u0165ovacieho sektora, stanoven\u00edm minim\u00e1lnych po\u017eiadaviek na krytie a financovan\u00edm prostredn\u00edctvom da\u0148ov\u00fdch pr\u00edjmov a pr\u00edspevkov na zdravotn\u00fa starostlivos\u0165. Ka\u017ed\u00fd obyvate\u013e je povinn\u00fd ma\u0165 minim\u00e1lnu \u00farove\u0148 zdravotn\u00e9ho poistenia od s\u00fakromn\u00fdch poskytovate\u013eov. Okrem povinn\u00e9ho z\u00e1kladn\u00e9ho poistenia si m\u00f4\u017eu \u013eudia zvoli\u0165 doplnkov\u00e9 poistenie&#8230;<\/p>\n","protected":false},"author":30,"featured_media":1223913,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1228,1229],"tags":[],"class_list":["post-1223912","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-praca","category-zivot","work-category-praca-v-zahranice"],"acf":[],"_links":{"self":[{"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/posts\/1223912","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/comments?post=1223912"}],"version-history":[{"count":1,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/posts\/1223912\/revisions"}],"predecessor-version":[{"id":1223915,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/posts\/1223912\/revisions\/1223915"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/media\/1223913"}],"wp:attachment":[{"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/media?parent=1223912"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/categories?post=1223912"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/robin.jobs\/sk\/wp-json\/wp\/v2\/tags?post=1223912"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}