Kaj je dopolnilno zavarovanje in zakaj ga plačujemo

Prvič se z dopolnilnim zavarovanjem največkrat srečamo ob koncu šolanja oziroma ob prvi zaposlitvi. Dopolnilno zavarovanje v osnovi pomeni to, da se krije razlika vrednostjo zdravstvenih storitev in deležem, ki ga krije obvezno zdravstveno zavarovanje. Doplačila navadno znašajo nekje 5 pa do 75% cene zdravstvene storitve, zdravila oziroma zdravstvenega pripomočka. Če si predstavljamo na realnem primeru, za en osnovni obisk zdravnika bi s sklenjenim obveznim in brez dopolnilnega zavarovanja morali plačati dva do tri evre. Lahko si samo predstavljamo kolikokrat večji znesek bi prinesel samo 2x tedenski obisk pri zdravniku na koncu meseca, če imamo kakšne zdravstvene težave v primerjavi z zneskom, ki bi ga vsak mesec plačali za dopolnilno zdravstveno zavarovanje. Enostavno ni vredno tveganja, zato je skoraj da nujno, da si priskrbimo dopolnilno zavarovanje, ker si tako zagotovimo da smo zavarovani pred kritjem stroškov doplačil pri opravljenih zdravstvenih storitvah. Otroci, šolarji, dijaki in študentje imajo do 26.leta že krito dopolnilno zavarovanje s strani države, nato mora za to poskrbeti vsak posebej. Za dopolnilno zavarovanje je potrebno poskrbeti takoj, ko izgubimo status dijaka, študenta oziroma ko smo stari 26.let, da nam nepričakovan obisk zdravnika, bolezen ali poškodba ne pusti neprijetnega presenečenja ob plačilu zdravniške oskrbe. V primeru da prekinete dopolnilno zavarovanja oziroma da vam preneha veljati zaradi izgube statusa študenta, dopolnitve 26.leta, lahko sklenemo  dopolnilno zavarovanje prostovoljno. Če to storimo v enem mesecu od prenehanja nam zavarovanje lahko začne veljati takoj, brez potrebe po čakalni dobi, ki pride v primeru, če na to čakamo dlje, saj poleg sklenitve dopolnilnega zavarovanja pride zraven še trimesečna čakalna doma, kar pomeni, da si moramo še tri mesece od sklenitve sami kriti stroške vseh zdravstvenih storitev. Te pogoje določa zakon sam in so isti pri vseh zavarovalnicah. V kolikor dopolnilnega zavarovanja nimamo več kot eno celo leto moramo doplačati 3% zavarovanja za vsako leto, ko  ga nismo imeli.

36 thoughts on “Kaj je dopolnilno zavarovanje in zakaj ga plačujemo

  1. Thank you for all your valuable hard work on this site. My mum enjoys setting aside time for investigations and it is simple to grasp why. Most people know all of the compelling method you make priceless things through your web blog and in addition cause participation from other people on the matter then our own princess is undoubtedly understanding a whole lot. Take advantage of the remaining portion of the year. You have been conducting a tremendous job.

  2. I want to express some thanks to this writer for rescuing me from this incident. Right after looking out through the the web and obtaining methods that were not powerful, I was thinking my entire life was well over. Living without the strategies to the problems you have fixed through your write-up is a serious case, and the ones which might have adversely damaged my career if I hadn’t discovered your site. Your main competence and kindness in taking care of everything was very useful. I don’t know what I would have done if I hadn’t discovered such a thing like this. I can at this moment look forward to my future. Thanks for your time very much for the reliable and results-oriented help. I will not hesitate to suggest your web blog to any person who ought to have support on this problem.

  3. I simply wanted to say thanks again. I am not sure the things I would’ve handled in the absence of these ways shared by you about my problem. It had been a frightful situation in my circumstances, but witnessing the very well-written strategy you dealt with that took me to weep for delight. Now i’m happier for this assistance and then hope that you really know what an amazing job you’re undertaking training the rest via a web site. Most likely you haven’t come across all of us.

  4. I intended to send you the very small word to help say thanks over again regarding the stunning tips you’ve shared on this website. It has been quite shockingly open-handed of you to make unhampered all that a number of people would have supplied for an electronic book to end up making some profit for themselves, even more so now that you could have done it in case you considered necessary. Those tips also acted like the easy way to be certain that someone else have the same desire really like my very own to know the truth significantly more with respect to this issue. I think there are millions of more fun situations in the future for many who discover your website.

  5. I enjoy you because of your entire efforts on this site. My niece delights in conducting research and it’s really easy to see why. Many of us know all regarding the compelling means you give effective ideas by means of this website and in addition boost response from the others on that issue and our favorite princess is being taught a lot of things. Have fun with the remaining portion of the year. You’re performing a dazzling job.

  6. I simply wanted to appreciate you all over again. I do not know the things I would’ve implemented in the absence of the opinions revealed by you concerning such a topic. Completely was a very terrifying concern in my circumstances, however , viewing this expert strategy you handled the issue took me to jump over delight. Now i’m grateful for the support as well as hope that you comprehend what a great job you are always providing teaching others via a blog. Most likely you’ve never come across all of us.

  7. Thank you so much for providing individuals with an exceptionally remarkable chance to read in detail from this web site. It really is so awesome and stuffed with a lot of fun for me and my office fellow workers to search the blog not less than thrice a week to learn the latest items you will have. Not to mention, I am just actually amazed considering the outstanding points you serve. Some 2 points on this page are definitely the most effective I’ve ever had.

  8. Thank you a lot for providing individuals with an extraordinarily remarkable opportunity to read in detail from this web site. It can be so superb and jam-packed with a lot of fun for me and my office acquaintances to search the blog the equivalent of three times a week to see the newest secrets you have got. And of course, I’m also actually pleased considering the astonishing opinions you give. Certain 3 points in this post are easily the finest I’ve had.

  9. I needed to post you the bit of observation to help give many thanks again for your personal gorgeous tactics you have shared in this article. It has been simply incredibly open-handed of people like you to provide unreservedly exactly what a few people could possibly have distributed for an electronic book in making some money for themselves, principally considering that you might have done it in the event you wanted. Those tactics as well served to be the great way to comprehend other individuals have similar interest the same as my very own to see much more related to this condition. I am certain there are lots of more enjoyable times in the future for individuals who look into your blog.

  10. I precisely had to appreciate you yet again. I’m not certain the things I would’ve created in the absence of the type of information shown by you regarding such topic. It became a alarming setting in my circumstances, nevertheless spending time with the professional manner you dealt with it forced me to weep with delight. I am just thankful for the support and wish you recognize what an amazing job your are providing educating some other people using a site. Probably you have never met all of us.

  11. I am only writing to let you know what a amazing experience my princess developed using your site. She figured out plenty of pieces, including what it’s like to have an incredible giving mindset to get a number of people completely fully understand specific hard to do subject matter. You actually did more than our own expected results. I appreciate you for giving the good, healthy, informative as well as fun tips about the topic to Kate.

  12. My spouse and i were absolutely joyous Ervin managed to round up his investigation using the precious recommendations he got out of the web site. It is now and again perplexing just to find yourself offering hints which the others may have been making money from. And now we acknowledge we’ve got you to give thanks to for that. The entire illustrations you’ve made, the straightforward web site menu, the relationships your site make it easier to foster – it’s got mostly fabulous, and it is letting our son in addition to us do think this theme is enjoyable, which is tremendously fundamental. Many thanks for the whole lot!

  13. I want to show my gratitude for your generosity in support of those who should have assistance with this issue. Your personal commitment to getting the solution across became surprisingly interesting and have in every case allowed girls just like me to attain their endeavors. Your new valuable guidelines implies a lot a person like me and much more to my colleagues. Thanks a lot; from each one of us.

  14. I intended to send you the very little observation to help say thank you once again for these gorgeous basics you have shared at this time. It was certainly wonderfully open-handed with you in giving easily what exactly many individuals could possibly have marketed as an electronic book to make some money on their own, even more so considering the fact that you might have tried it if you wanted. Those solutions likewise acted like a fantastic way to understand that someone else have a similar dream like mine to learn many more in regard to this matter. I am certain there are a lot more fun moments in the future for individuals who browse through your blog.

  15. Thanks so much for giving everyone such a marvellous chance to read from this website. It can be so nice and as well , packed with fun for me and my office mates to search your website at a minimum 3 times every week to learn the fresh tips you will have. And indeed, I’m also actually motivated with all the perfect inspiring ideas you give. Some two tips on this page are certainly the most efficient we’ve ever had.

  16. I simply desired to say thanks once again. I am not sure what I might have used without these pointers documented by you on my subject. It has been an absolute fearsome crisis for me personally, however , understanding your professional way you dealt with that made me to jump for contentment. Now i’m thankful for this assistance and thus hope that you really know what an amazing job you are always carrying out instructing the others through your blog post. Probably you haven’t come across any of us.

  17. I simply wished to appreciate you all over again. I am not sure the things I could possibly have implemented in the absence of these creative ideas revealed by you directly on such a field. It was before a frightful situation in my opinion, however , encountering a new skilled form you handled that made me to jump over contentment. I’m just grateful for your work and then sincerely hope you really know what a powerful job you have been accomplishing educating the rest using your webpage. Most likely you’ve never encountered all of us.

  18. I must show some thanks to the writer just for rescuing me from this type of challenge. After surfing around throughout the world wide web and seeing principles which are not beneficial, I believed my life was gone. Living devoid of the solutions to the difficulties you’ve solved through your entire short post is a crucial case, as well as ones that might have badly affected my entire career if I had not discovered your site. Your good talents and kindness in dealing with all the stuff was invaluable. I am not sure what I would’ve done if I hadn’t discovered such a thing like this. I can at this moment look ahead to my future. Thanks very much for this reliable and sensible help. I will not hesitate to endorse your web blog to anybody who desires assistance about this issue.

  19. I intended to compose you a very small remark to help give thanks over again for those magnificent tactics you’ve contributed on this page. This has been tremendously generous of people like you to convey publicly precisely what a lot of folks would have offered for an e book in order to make some cash for their own end, even more so considering that you might well have done it in case you desired. Those guidelines in addition worked like the easy way to know that many people have the same dream the same as my personal own to find out somewhat more when considering this matter. Certainly there are numerous more pleasant times ahead for individuals that find out your blog post.

  20. I enjoy you because of all your valuable effort on this website. My niece delights in participating in internet research and it is simple to grasp why. Most people hear all relating to the compelling manner you provide very helpful tips and hints on the blog and therefore encourage response from people about this subject matter and my child is without question becoming educated a lot of things. Take pleasure in the remaining portion of the year. You have been doing a splendid job.

  21. I precisely needed to appreciate you once more. I am not sure the things I would have sorted out without the type of solutions shared by you on my situation. Completely was a very frightening scenario for me, nevertheless discovering a new professional mode you treated it took me to cry over happiness. Now i’m happier for this help and thus have high hopes you really know what a great job you are accomplishing instructing most people all through your webblog. I know that you’ve never come across any of us.

  22. My wife and i have been comfortable that Louis managed to complete his web research while using the ideas he had from your own web pages. It’s not at all simplistic just to possibly be giving for free ideas that a number of people could have been making money from. We see we now have the blog owner to be grateful to for this. All the illustrations you made, the easy website menu, the relationships you will make it easier to create – it’s all great, and it is making our son in addition to us believe that that content is brilliant, which is certainly unbelievably essential. Thank you for the whole lot!

  23. Thanks a lot for providing individuals with an extremely pleasant chance to read critical reviews from this site. It is always so terrific plus full of a lot of fun for me and my office friends to visit your site at the least thrice per week to study the latest items you have. And indeed, I’m always motivated considering the beautiful hints you serve. Certain 2 facts in this posting are without a doubt the most efficient we have all ever had.

  24. I as well as my pals came checking out the nice suggestions found on your web page while quickly got an awful feeling I had not expressed respect to you for those secrets. Those women were consequently passionate to study all of them and now have absolutely been making the most of these things. Many thanks for really being so thoughtful and then for considering this kind of incredible information millions of individuals are really needing to be informed on. My very own sincere apologies for not expressing appreciation to sooner.

  25. A lot of thanks for all of the work on this blog. Kate really likes doing investigations and it is easy to see why. Many of us notice all about the powerful means you create rewarding guidelines through your blog and therefore increase response from other individuals about this point so our favorite daughter is undoubtedly studying a lot. Have fun with the rest of the year. You’re the one doing a great job.

  26. Thanks so much for giving everyone remarkably spectacular opportunity to read from this website. It is often so lovely and as well , stuffed with fun for me and my office acquaintances to search your site not less than thrice weekly to read the fresh guides you will have. And lastly, I’m just at all times astounded considering the cool things you serve. Certain 2 ideas in this post are ultimately the simplest I’ve ever had.

  27. I simply wanted to construct a note in order to say thanks to you for some of the fabulous techniques you are writing on this website. My time intensive internet investigation has at the end been paid with reasonable content to share with my co-workers. I ‘d suppose that many of us visitors actually are definitely blessed to exist in a fantastic website with many marvellous people with beneficial tips and hints. I feel quite blessed to have come across your entire site and look forward to many more amazing moments reading here. Thank you once again for everything.

  28. I precisely wanted to thank you so much yet again. I do not know the things I might have followed in the absence of the entire thoughts shown by you regarding this problem. It had been a real hard problem for me personally, but taking note of this expert approach you handled that forced me to jump for joy. I am just happy for your work and in addition hope you find out what a great job that you’re carrying out teaching people today with the aid of your blog. I know that you’ve never got to know any of us.

  29. I happen to be writing to make you understand of the fine encounter my friend’s daughter encountered browsing your web site. She realized a good number of issues, which included how it is like to have a marvelous coaching style to make the mediocre ones quite simply have an understanding of specific tricky issues. You undoubtedly exceeded my expected results. Thank you for imparting such beneficial, safe, explanatory and as well as easy tips on that topic to Julie.

  30. I have to get across my appreciation for your kind-heartedness supporting individuals that absolutely need assistance with the study. Your real commitment to passing the message all over was especially practical and has continuously helped some individuals much like me to arrive at their pursuits. This useful suggestions implies a whole lot to me and much more to my office colleagues. Regards; from all of us.

  31. I together with my buddies have been analyzing the great pointers found on your web site and so all of a sudden developed a horrible feeling I had not expressed respect to the website owner for those techniques. All of the guys became excited to read through all of them and have in effect quite simply been making the most of them. Appreciate your indeed being quite kind and also for figuring out such good guides millions of individuals are really needing to be informed on. My very own sincere regret for not expressing appreciation to earlier.

  32. I actually wanted to write down a brief remark to be able to express gratitude to you for some of the superb ways you are placing at this website. My time consuming internet search has finally been honored with extremely good strategies to share with my two friends. I ‘d state that that most of us site visitors are unequivocally fortunate to live in a superb site with many brilliant individuals with useful strategies. I feel somewhat fortunate to have come across the weblog and look forward to many more entertaining minutes reading here. Thanks a lot once again for a lot of things.

  33. I would like to express my admiration for your kind-heartedness giving support to persons who really need guidance on your idea. Your personal commitment to passing the message throughout has been particularly invaluable and has truly made regular people like me to reach their dreams. The valuable hints and tips can mean this much to me and even more to my office workers. Thanks a ton; from each one of us.

  34. I precisely had to say thanks again. I am not sure what I would have achieved without the suggestions contributed by you relating to such area. It absolutely was the frightening case in my opinion, however , encountering a new specialized style you dealt with the issue forced me to jump over gladness. Extremely happier for your work and trust you comprehend what an amazing job that you are carrying out educating many others through the use of your web site. I am sure you’ve never met any of us.

  35. My wife and i felt very happy Edward could carry out his investigations while using the precious recommendations he gained when using the web page. It is now and again perplexing to just possibly be freely giving helpful tips that many other folks have been trying to sell. Therefore we recognize we have the writer to give thanks to for that. The main explanations you’ve made, the simple site navigation, the relationships you aid to create – it is most amazing, and it’s helping our son and our family feel that the topic is enjoyable, and that’s seriously serious. Many thanks for all the pieces!

Leave a Reply

Your email address will not be published.