B\u016bsim god\u012bgi, doma par apdro\u0161in\u0101\u0161anu ir apm\u0113ram tikpat aizraujo\u0161a k\u0101 skat\u012bties, k\u0101 \u017e\u016bst kr\u0101sa. T\u0101 ir viena no t\u0101m pieaugu\u0161o liet\u0101m, ko m\u0113s atliekam, l\u012bdz p\u0113k\u0161\u0146i k\u013c\u016bst par v\u0113lu. Bet tad, kad salauzta roka vai p\u0113k\u0161\u0146a slim\u012bba draud izsist pamat\u012bgu robu bud\u017eet\u0101, polise p\u0113k\u0161\u0146i k\u013c\u016bst par tavu lab\u0101ko draugu. Un tie\u0161i \u0161eit sarun\u0101 par\u0101d\u0101s Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161ana<\/b> \u2013 v\u0101rdu savienojums, ko esat dzird\u0113ju\u0161i, bet varb\u016bt ne l\u012bdz galam sapratu\u0161i. Tas nav tikai pap\u012brs mak\u0101. T\u0101 ir dro\u0161\u012bbas saj\u016bta. Vienk\u0101r\u0161i sakot, tas ir sol\u012bjums, ka medic\u012bnisk\u0101s pal\u012bdz\u012bbas br\u012bd\u012b tu neb\u016bsi viens ar milz\u012bgiem r\u0113\u0137iniem. Aizmirstiet par sare\u017e\u0123\u012btiem terminiem uz mirkli. \u0160is ir st\u0101sts par to, k\u0101 nenon\u0101kt izmisum\u0101, kad vesel\u012bba pievi\u013c.<\/p>\nSwedbank Vesel\u012bbas Apdro\u0161in\u0101\u0161ana: Ievads un B\u016bt\u012bba<\/h2>\n
T\u0101tad, kas ir Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161ana<\/b>? T\u0101 nav nek\u0101da ma\u0123ija. Tas ir finan\u0161u instruments, l\u012bgums starp tevi un apdro\u0161in\u0101t\u0101ju, kas paredz segt da\u017e\u0101dus medic\u012bniskos izdevumus. Tu maks\u0101 regul\u0101ru pr\u0113miju, un pret\u012b sa\u0146em garantiju, ka noteiktu pakalpojumu izmaksas tiks kompens\u0113tas. Ideja ir vienk\u0101r\u0161a \u2013 pasarg\u0101t tevi no finansi\u0101la \u0161oka. Daudzi dom\u0101, ka Latvij\u0101 medic\u012bna ir bez maksas. J\u0101, teor\u0113tiski. Bet pam\u0113\u0123iniet pierakst\u012bties pie speci\u0101lista valsts rind\u0101. Reiz\u0113m j\u0101gaida m\u0113ne\u0161iem. Un tie\u0161i te Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161ana<\/b> par\u0101da savu sp\u0113ku, paverot durvis uz priv\u0101to medic\u012bnu. T\u0101 ir at\u0161\u0137ir\u012bba starp gaid\u012b\u0161anu s\u0101p\u0113s un \u0101tras pal\u012bdz\u012bbas sa\u0146em\u0161anu. Mana person\u012bg\u0101 pieredze? Pirms p\u0101ris gadiem man bija nepiecie\u0161ama steidzama konsult\u0101cija pie neirologa. Valsts rind\u0101 \u2013 tr\u012bs m\u0113ne\u0161i. Ar polisi tiku pie viena no lab\u0101kajiem speci\u0101listiem p\u0113c div\u0101m dien\u0101m. At\u0161\u0137ir\u012bba ir milz\u012bga. Un tie\u0161i \u0161\u012b iesp\u0113ja ir galvenais iemesls, k\u0101p\u0113c cilv\u0113ki visp\u0101r apsver \u0161\u0101du pakalpojumu.<\/p>\n
\u0160is pakalpojums nav univers\u0101ls risin\u0101jums vis\u0101m probl\u0113m\u0101m, bet tas ir sp\u0113c\u012bgs r\u012bks. Pamatb\u016bt\u012bba ir sniegt piek\u013cuvi kvalitat\u012bviem medic\u012bnas pakalpojumiem bez astronomiskiem t\u0113ri\u0146iem no savas kabatas. T\u0101p\u0113c, kad k\u0101ds jaut\u0101, es vienm\u0113r saku, ka Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161ana<\/b> ir invest\u012bcija sirdsmier\u0101. Protams, ir nosac\u012bjumi un ierobe\u017eojumi, bet par tiem v\u0113l\u0101k. Galvenais ir saprast pamatprincipu. Tas ir k\u0101 dro\u0161\u012bbas spilvens automa\u0161\u012bn\u0101 \u2013 tu ceri, ka to nekad nevajadz\u0113s, bet esi bezgala pateic\u012bgs, ja tas nostr\u0101d\u0101 av\u0101rijas br\u012bd\u012b. Un, ticiet man, vesel\u012bbas probl\u0113mas bie\u017ei vien ir k\u0101 negaid\u012bta av\u0101rija uz l\u012bdzena ce\u013ca.<\/p>\nGalven\u0101s Swedbank Vesel\u012bbas Apdro\u0161in\u0101\u0161anas Priek\u0161roc\u012bbas<\/h2>\n
K\u0101p\u0113c visp\u0101r izv\u0113l\u0113ties tie\u0161i \u0161o? Tirgus ta\u010du ir pilns ar pied\u0101v\u0101jumiem. Viena no galvenaj\u0101m priek\u0161roc\u012bb\u0101m, manupr\u0101t, ir uzticam\u012bba un pla\u0161ais partneru t\u012bkls. Gandr\u012bz jebkur\u0101 Latvijas priv\u0101tkl\u012bnik\u0101 vai medic\u012bnas iest\u0101d\u0113 pie\u0146ems \u0161o polisi. Nav j\u0101uztraucas, vai tavs \u0101rsts b\u016bs sarakst\u0101. Otrs \u2013 \u0101trums. K\u0101 jau min\u0113ju, iesp\u0113ja izvair\u012bties no garaj\u0101m valsts rind\u0101m ir nenov\u0113rt\u0113jama. Laiks ir resurss, \u012bpa\u0161i, ja runa ir par vesel\u012bbu. Tre\u0161ais ir finansi\u0101lais aspekts. Lai gan tu maks\u0101 pr\u0113miju, tas tevi pasarg\u0101 no daudz liel\u0101k\u0101m, p\u0113k\u0161\u0146\u0101m izmaks\u0101m. Viena magn\u0113tisk\u0101s rezonanses izmekl\u0113\u0161ana var maks\u0101t vair\u0101kus simtus eiro. Ar polisi t\u0101 var b\u016bt segta piln\u012bb\u0101 vai da\u013c\u0113ji. Tas ir milz\u012bgs atspaids. Man pat\u012bk ar\u012b digit\u0101lie risin\u0101jumi. Viss ir \u0113rti p\u0101rvald\u0101ms internetbank\u0101 vai mobilaj\u0101 lietotn\u0113. P\u0101rskat\u012bt savu segumu, iesniegt atl\u012bdz\u012bbas pieteikumu \u2013 viss notiek \u0101tri un bez liekas pap\u012bru sm\u0113r\u0113\u0161anas. Un, ja run\u0101jam par to, k\u0101p\u0113c izv\u0113l\u0113ties Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161anu<\/b>, tad \u0161\u012b \u0113rt\u012bba ir liels pluss. Jo p\u0113d\u0113jais, ko tu gribi dar\u012bt slimo\u0161anas laik\u0101, ir c\u012bn\u012bties ar birokr\u0101tiju. Kopum\u0101, Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161ana<\/b> pied\u0101v\u0101 labu balansu starp cenu, segumu un \u0113rt\u012bbu. Tie\u0161i t\u0101d\u0113\u013c tas ir popul\u0101rs variants.<\/p>\nK\u0101dus Medic\u012bniskos Pakalpojumus T\u0101 Sedz?<\/h3>\n
\u0160is ir miljons dol\u0101ru jaut\u0101jums. Jo polise ir tik laba, cik labs ir t\u0101s segums. Atbilde uz jaut\u0101jumu, ko sedz Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161anas pl\u0101ns<\/b>, ir atkar\u012bga no konkr\u0113t\u0101s programmas, ko izv\u0113laties. Bet pamat\u0101 gandr\u012bz visas programmas iek\u013cauj: ambulatoros pakalpojumus (viz\u012btes pie \u0123imenes \u0101rsta un speci\u0101listiem), diagnostiskos izmekl\u0113jumus (anal\u012bzes, rentgens, USG, datortomogr\u0101fija), zob\u0101rstniec\u012bbu (parasti ar noteiktu limitu un procentu\u0101lu l\u012bdzmaks\u0101jumu), rehabilit\u0101ciju (fizioterapija, mas\u0101\u017eas p\u0113c \u0101rsta nor\u012bkojuma), k\u0101 ar\u012b medikamentu ieg\u0101des kompens\u0101ciju. Da\u017e\u0101s d\u0101rg\u0101k\u0101s programm\u0101s ir iek\u013cauta ar\u012b stacion\u0101r\u0101 pal\u012bdz\u012bba, pl\u0101nveida oper\u0101cijas un pat gr\u016btniec\u012bbas nov\u0113ro\u0161ana. Viss ir atkar\u012bgs no t\u0101, cik pla\u0161u segumu v\u0113lies un vari at\u013cauties. Piem\u0113ram, mana polise sedz zob\u0101rstniec\u012bbu l\u012bdz 200 eiro gad\u0101 ar 50% l\u012bdzmaks\u0101jumu. Nav ide\u0101li, bet lab\u0101k nek\u0101 nekas. Vienm\u0113r, vienm\u0113r r\u016bp\u012bgi izlasiet l\u012bguma nosac\u012bjumus. Tie\u0161i tur sl\u0113pjas visas deta\u013cas par to, k\u0101ds ir re\u0101lais Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161anas segums Latvij\u0101<\/b>. Neuzticieties tikai rekl\u0101mas bukletiem. Velns sl\u0113pjas deta\u013c\u0101s.<\/p>\nSwedbank Pied\u0101v\u0101t\u0101s Programmas un To Daudzveid\u012bba<\/h3>\n
Viena programma neder visiem. Un Swedbank to saprot. T\u0101p\u0113c vi\u0146i pied\u0101v\u0101 vair\u0101kus pl\u0101nus, kas at\u0161\u0137iras p\u0113c seguma pla\u0161uma un, protams, cenas. Parasti ir k\u0101di tr\u012bs vai \u010detri l\u012bme\u0146i. Pamatl\u012bmenis b\u016bs l\u0113t\u0101ks, bet segs tikai pa\u0161as nepiecie\u0161am\u0101k\u0101s lietas \u2013 \u0123imenes \u0101rstu, da\u017eus speci\u0101listus un pamata anal\u012bzes. Vid\u0113j\u0101 l\u012bme\u0146a programma, kas ir popul\u0101r\u0101k\u0101, jau iek\u013caus pla\u0161\u0101ku speci\u0101listu loku, d\u0101rg\u0101kus izmekl\u0113jumus, zob\u0101rstniec\u012bbu un rehabilit\u0101ciju. Un tad ir “zelta” jeb premium programmas. T\u0101s ir d\u0101rg\u0101k\u0101s, bet sedz gandr\u012bz visu, ieskaitot pl\u0101nveida oper\u0101cijas priv\u0101tkl\u012bnik\u0101s, augsta l\u012bme\u0146a rehabilit\u0101ciju un pat kritisk\u0101s saslim\u0161anas. \u0160\u012b daudzveid\u012bba \u013cauj katram atrast sav\u0101m vajadz\u012bb\u0101m un maci\u0146am piem\u0113rot\u0101ko risin\u0101jumu. Izv\u0113loties ir v\u0113rts padom\u0101t, kas ir aktu\u0101li tie\u0161i tev. Ja tev ir hroniskas muguras s\u0101pes, programma ar pla\u0161u rehabilit\u0101cijas segumu b\u016bs v\u0113rt\u012bg\u0101ka. Ja n\u0113s\u0101 brilles, mekl\u0113 polisi, kas kompens\u0113 optikas ieg\u0101di. Izv\u0113le ir liela, un tas ir labi.<\/p>\n
\u012as\u0101 atbilde? Gandr\u012bz ikvienam, kur\u0161 dz\u012bvo Latvij\u0101 un v\u0113las justies dro\u0161\u0101k par savu vesel\u012bbu un finans\u0113m. T\u0101 ir piem\u0113rota gan jauniem profesion\u0101\u013ciem, gan \u0123imen\u0113m ar b\u0113rniem, gan uz\u0146\u0113mumiem, kas v\u0113las par\u016bp\u0113ties par saviem darbiniekiem. T\u0101 ir alternat\u012bva vai, pareiz\u0101k sakot, papildin\u0101jums valsts nodro\u0161in\u0101tajai sist\u0113mai. Ja tevi neapmierina gaid\u012b\u0161anas laiks vai pakalpojumu pieejam\u012bba, tad priv\u0101t\u0101 apdro\u0161in\u0101\u0161ana ir lo\u0123isks solis. Un Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161ana<\/b> ir viens no pieejam\u0101kajiem un \u0113rt\u0101kajiem veidiem, k\u0101 to nodro\u0161in\u0101t. T\u0101 sniedz br\u012bv\u012bbu izv\u0113l\u0113ties \u0101rstu un kl\u012bniku, nevis samierin\u0101ties ar to, kas ir pieejams p\u0113c m\u0113ne\u0161iem ilgas gaid\u012b\u0161anas.<\/p>\nIndividu\u0101lie Pl\u0101ni un \u0122imenes Apdro\u0161in\u0101\u0161ana<\/h3>\n
Ja esi pa\u0161nodarbin\u0101tais, students vai vienk\u0101r\u0161i tavs darba dev\u0113js nepied\u0101v\u0101 apdro\u0161in\u0101\u0161anu, individu\u0101lais pl\u0101ns ir tava iesp\u0113ja. J\u0101, tas b\u016bs d\u0101rg\u0101k nek\u0101 korporat\u012bvais pl\u0101ns, bet ieguvumi bie\u017ei vien atsver izmaksas. Apsverot, k\u0101da ir Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161ana individu\u0101li cena<\/b>, j\u0101saprot, ka t\u0101 ir atkar\u012bga no izv\u0113l\u0113t\u0101s programmas, tava vecuma un vesel\u012bbas st\u0101vok\u013ca. Bet tas sniedz milz\u012bgas priek\u0161roc\u012bbas. \u012apa\u0161i izdev\u012bgi ir \u0123imenes pl\u0101ni. Apdro\u0161inot vair\u0101kus \u0123imenes locek\u013cus kop\u0101, bie\u017ei vien var sa\u0146emt atlaides. Un tas ir pr\u0101t\u012bgi. B\u0113rni slimo bie\u017ei, un iesp\u0113ja \u0101tri tikt pie pediatra vai speci\u0101lista ir zelta v\u0113rta. Nav nek\u0101 slikt\u0101ka par bezsp\u0113c\u012bgu saj\u016btu, kad tavs b\u0113rns ir slims un tuv\u0101kais pieraksts ir p\u0113c m\u0113ne\u0161a. T\u0101p\u0113c Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161anas priek\u0161roc\u012bbas priv\u0101tperson\u0101m<\/b> un \u0123imen\u0113m ir \u013coti j\u016btam\u0101s.<\/p>\nUz\u0146\u0113mumu un Darbinieku Vesel\u012bbas Apdro\u0161in\u0101\u0161anas Risin\u0101jumi<\/h3>\n
M\u016bsdien\u0101s vesel\u012bbas apdro\u0161in\u0101\u0161ana ir k\u013cuvusi par gandr\u012bz oblig\u0101tu labumu groza sast\u0101vda\u013cu jebkur\u0101 sevi cieno\u0161\u0101 uz\u0146\u0113mum\u0101. Tas ir veids, k\u0101 piesaist\u012bt un notur\u0113t labus darbiniekus. Jo tas par\u0101da, ka uz\u0146\u0113mumam r\u016bp. Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161ana<\/b> pied\u0101v\u0101 \u013coti elast\u012bgus risin\u0101jumus uz\u0146\u0113mumiem. Var apdro\u0161in\u0101t visus darbiniekus p\u0113c vienotas programmas vai ar\u012b pied\u0101v\u0101t da\u017e\u0101dus l\u012bme\u0146us atkar\u012bb\u0101 no amata. No uz\u0146\u0113muma viedok\u013ca, jaut\u0101jums par to, k\u0101das ir Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161ana darbiniekiem izmaksas<\/b>, ir svar\u012bgs, bet tas j\u0101skata k\u0101 invest\u012bcija. Vesels un motiv\u0113ts darbinieks ir produkt\u012bvs darbinieks. Maz\u0101k slim\u012bbas lapu, liel\u0101ka lojalit\u0101te. T\u0101 ir vienk\u0101r\u0161a matem\u0101tika. Un, protams, jaut\u0101jums par to, k\u0101 tiek veikta darbinieku vesel\u012bbas apdro\u0161in\u0101\u0161anas gr\u0101matved\u012bbas uzskaite<\/a>, ir svar\u012bgs katram finan\u0161u direktoram, bet tas ir atrisin\u0101ms jaut\u0101jums.<\/p>\n Process ir padar\u012bts p\u0101rsteidzo\u0161i vienk\u0101r\u0161s. Uz\u0146\u0113muma p\u0101rst\u0101vim nav j\u0101c\u012bn\u0101s ar milz\u012bgu pap\u012bru kaudzi katram darbiniekam atsevi\u0161\u0137i. Viss notiek centraliz\u0113ti. Tiek izveidots viens kop\u012bgs l\u012bgums, un darbinieku sarakstu var \u0113rti administr\u0113t tie\u0161saist\u0113. Pievienot jaunu darbinieku? P\u0101ris klik\u0161\u0137i. No\u0146emt aizg\u0101ju\u0161o? Tikpat vienk\u0101r\u0161i. \u0160\u012b digit\u0101l\u0101 pieeja ietaupa milzum daudz laika un nervu person\u0101la da\u013cai. Turkl\u0101t, uz\u0146\u0113mums sa\u0146em vienu r\u0113\u0137inu par visiem, kas atvieglo gr\u0101matved\u012bbu. Tiek pied\u0101v\u0101ts ar\u012b person\u012bgais mened\u017eeris, kas pal\u012bdz atrisin\u0101t jebk\u0101dus jaut\u0101jumus. God\u012bgi sakot, mekl\u0113jot, kura ir lab\u0101k\u0101 Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161ana uz\u0146\u0113mumam<\/b>, \u0161\u012b administrat\u012bv\u0101 vienk\u0101r\u0161\u012bba ir milz\u012bgs arguments par labu tie\u0161i \u0161im pakalpojumu sniedz\u0113jam.<\/p>\n Ja esat izl\u0113mis, ka v\u0113laties ieg\u0101d\u0101ties Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161anas polisi<\/b>, process nav sare\u017e\u0123\u012bts. Pirmais solis ir saprast savas vajadz\u012bbas. To var izdar\u012bt, konsult\u0113joties ar bankas speci\u0101listu vai vienk\u0101r\u0161i izp\u0113tot inform\u0101ciju vi\u0146u m\u0101jaslap\u0101. Tur ir pieejama ar\u012b Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161ana pieteikuma forma<\/b>. Process ir sekojo\u0161s: L\u016bk, tas ir gr\u016bt\u0101kais uzdevums. Izv\u0113l\u0113ties no vair\u0101kiem, \u0161\u0137ietami l\u012bdz\u012bgiem, pied\u0101v\u0101jumiem var b\u016bt mulsino\u0161i. Nav vienas pareiz\u0101s atbildes. Viss ir atkar\u012bgs no j\u016bsu individu\u0101laj\u0101m vajadz\u012bb\u0101m, dz\u012bvesveida un, protams, bud\u017eeta. Bet ir da\u017ei pamatprincipi, kas var pal\u012bdz\u0113t. Galvenais \u2013 nedom\u0101jiet par to k\u0101 par izdevumiem. Dom\u0101jiet par to k\u0101 par invest\u012bciju. J\u016bsu vesel\u012bba ir pats v\u0113rt\u012bg\u0101kais, kas jums ir. T\u0101p\u0113c \u0161is l\u0113mums ir j\u0101pie\u0146em apdom\u012bgi. Izv\u0113loties polisi, ir svar\u012bgi izprast, ka past\u0101v ar\u012b valsts vesel\u012bbas apdro\u0161in\u0101\u0161ana Latvij\u0101: ce\u013cvedis<\/a>, kas nodro\u0161ina pamata pakalpojumus, bet priv\u0101t\u0101 polise sniedz papildu dro\u0161\u012bbu.<\/p>\n Pirms parakst\u0101t l\u012bgumu, izv\u0113rt\u0113jiet \u0161os punktus: Vislab\u0101kais veids, k\u0101 izv\u0113l\u0113ties, ir nolikt visus pied\u0101v\u0101jumus blakus un sal\u012bdzin\u0101t. Izveidojiet tabulu. Pirm\u0101 kolonna \u2013 pakalpojums (piem., speci\u0101lista apmekl\u0113jums, zob\u0101rstniec\u012bba, anal\u012bzes). N\u0101kam\u0101s kolonnas \u2013 katra apdro\u0161in\u0101\u0161anas programma (Pamat, Sudraba, Zelta). Un tad katr\u0101 \u0161\u016bn\u0101 ierakstiet limitu un l\u012bdzmaks\u0101juma procentu. Vizu\u0101li uzreiz redz\u0113siet at\u0161\u0137ir\u012bbas. \u0160\u0101ds Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161anas pied\u0101v\u0101jumi sal\u012bdzin\u0101jums<\/b> pal\u012bdz\u0113s pie\u0146emt datos, nevis emocij\u0101s balst\u012btu l\u0113mumu. Ir svar\u012bgi saprast ar\u012b, k\u0101 priv\u0101t\u0101 polise at\u0161\u0137iras no t\u0101, ko pied\u0101v\u0101 valsts. Daudzi nezina, k\u0101das ir valsts oblig\u0101t\u0101 vesel\u012bbas apdro\u0161in\u0101\u0161ana<\/a> priek\u0161roc\u012bbas un tr\u016bkumi. Priv\u0101t\u0101 polise to papildina. Izprotot, k\u0101di ir apdrosin\u0101\u0161anas polises veidi<\/a>, ir viegl\u0101k orient\u0113ties pied\u0101v\u0101jumu kl\u0101st\u0101. Un neaizmirstiet par digit\u0101laj\u0101m iesp\u0113j\u0101m. M\u016bsdienu pasaul\u0113 e-vesel\u012bbas sist\u0113mas priek\u0161roc\u012bbas<\/a> ir nenoliedzamas, un laba apdro\u0161in\u0101\u0161ana bie\u017ei vien ir integr\u0113ta ar \u0161\u012bm sist\u0113m\u0101m, atvieglojot dz\u012bvi.<\/p>\n Labi, esat polisi ieg\u0101d\u0101jies un, diem\u017e\u0113l, ir pien\u0101cis br\u012bdis to izmantot. K\u0101 tas notiek? Process atkar\u012bgs no t\u0101, vai medic\u012bnas iest\u0101de ir Swedbank l\u012bgumpartneris. Ja ir, tad vairum\u0101 gad\u012bjumu nekas \u012bpa\u0161s nav j\u0101dara. J\u016bs uzr\u0101d\u0101t savu polisi (vai mobilo lietotni), un kl\u012bnika pati nor\u0113\u0137in\u0101s ar apdro\u0161in\u0101t\u0101ju. Jums j\u0101samaks\u0101 tikai l\u012bdzmaks\u0101jums, ja t\u0101ds ir paredz\u0113ts. Bet, ja iest\u0101de nav partneris vai p\u0113rkat z\u0101les aptiek\u0101, tad process ir cit\u0101d\u0101ks. Jums vispirms j\u0101samaks\u0101 pilna summa no saviem l\u012bdzek\u013ciem, un p\u0113c tam j\u0101iesniedz atl\u012bdz\u012bbas pieteikums Swedbank. \u0160is ir br\u012bdis, kad j\u0101saprot, k\u0101 darbojas Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161anas polise<\/b> praks\u0113. Lai gan tas izklaus\u0101s sare\u017e\u0123\u012bti, viss ir padar\u012bts diezgan \u0113rts, pateicoties tie\u0161saistes r\u012bkiem.<\/p>\n Ja maks\u0101j\u0101t pats, lai sa\u0146emtu naudu atpaka\u013c, jums b\u016bs j\u0101iesniedz da\u017ei dokumenti. Galvenie ir: \u010deks vai r\u0113\u0137ins, kas apliecina samaksu, un medic\u012bniskie dokumenti, kas pamato pakalpojuma nepiecie\u0161am\u012bbu (\u0101rsta nos\u016bt\u012bjums, izraksts). To visu var \u0113rti nofotograf\u0113t ar telefonu un aug\u0161upiel\u0101d\u0113t internetbank\u0101 vai lietotn\u0113. Tas ir viss. Tie\u0161\u0101m. Aizmirstiet par pasta noda\u013c\u0101m un ierakst\u012bt\u0101m v\u0113stul\u0113m. Viss notiek digit\u0101li. Svar\u012bgi ir iev\u0113rot termi\u0146us. Parasti pieteikums ir j\u0101iesniedz 60-90 dienu laik\u0101 p\u0113c pakalpojuma sa\u0146em\u0161anas. Nenokav\u0113jiet! Cit\u0101di varat palikt be\u0161\u0101. Process ir k\u013cuvis nesal\u012bdzin\u0101mi vienk\u0101r\u0161\u0101ks, pateicoties Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161anas pakalpojumi online<\/b> pieejam\u012bbai.<\/p>\n Visbie\u017e\u0101k cilv\u0113ki jaut\u0101: “Cik \u0101tri es sa\u0146em\u0161u naudu?” Parasti atl\u012bdz\u012bbu izskata da\u017eu darba dienu laik\u0101. Mana pieredze liecina, ka vid\u0113ji t\u0101s ir 3-5 dienas. Otrs jaut\u0101jums: “Ko dar\u012bt, ja manu pieteikumu noraida?” Vispirms, bez panikas. Uzziniet iemeslu. Varb\u016bt tr\u016bkst k\u0101ds dokuments. Sazinieties ar banku. Vi\u0146u Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161ana kontakti inform\u0101cija<\/b> ir viegli atrodama m\u0101jaslap\u0101. Ja uzskat\u0101t, ka noraid\u012bjums ir nepamatots, vienm\u0113r varat to apstr\u012bd\u0113t. Un tre\u0161ais jaut\u0101jums: “K\u0101 es varu sekot l\u012bdzi saviem limitiem?” To var \u0113rti dar\u012bt sav\u0101 internetbank\u0101 vai mobilaj\u0101 lietotn\u0113. Tur ir pieejams mans Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161anas port\u0101ls<\/b>, kur\u0101 redzams, cik daudz no gada limita katr\u0101 kategorij\u0101 ir izt\u0113r\u0113ts. Tas pal\u012bdz pl\u0101not t\u0113ri\u0146us. Jaut\u0101jums par to, k\u0101 sa\u0146emt atl\u012bdz\u012bbu no Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161anas<\/b>, ir viens no svar\u012bg\u0101kajiem, un ir labi zin\u0101t atbildes jau iepriek\u0161.<\/p>\n Nobeigum\u0101 gribas teikt vienu. Neviens nedom\u0101 par apdro\u0161in\u0101\u0161anu, kad viss ir labi. Bet vesel\u012bba ir trausla. Un, kad t\u0101 sa\u0161\u0137ob\u0101s, finansi\u0101lais stress ir p\u0113d\u0113jais, ko vajag. Tie\u0161i t\u0101p\u0113c Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161ana<\/b> ir vair\u0101k nek\u0101 tikai izdevumi. Tas ir ieguld\u012bjums. Ieguld\u012bjums mier\u0101, dro\u0161\u012bb\u0101 un p\u0101rliec\u012bb\u0101, ka gr\u016bt\u0101 br\u012bd\u012b tev b\u016bs atbalsts. T\u0101 ir iesp\u0113ja sa\u0146emt lab\u0101ko iesp\u0113jamo apr\u016bpi bez bail\u0113m par to, k\u0101 to samaks\u0101t. Un tas attiecas ne tikai uz jums, bet ar\u012b uz j\u016bsu \u0123imeni. Nodro\u0161in\u0101t saviem tuv\u0101kajiem \u0161\u0101du dro\u0161\u012bbas spilvenu ir viena no lab\u0101kaj\u0101m liet\u0101m, ko varat dar\u012bt. J\u0101, tas prasa regul\u0101rus maks\u0101jumus. Bet izmaksas, kas var rasties bez t\u0101s, ir nesal\u012bdzin\u0101mi liel\u0101kas. T\u0101p\u0113c, pirms noraid\u0101t \u0161o ideju k\u0101 k\u0101rt\u0113jos t\u0113ri\u0146us, padom\u0101jiet par to ilgtermi\u0146\u0101. T\u0101 ir gudra izv\u0113le. Viennoz\u012bm\u012bgi.<\/p>\n","protected":false},"excerpt":{"rendered":" B\u016bsim god\u012bgi, doma par apdro\u0161in\u0101\u0161anu ir apm\u0113ram tikpat aizraujo\u0161a k\u0101 skat\u012bties, k\u0101 \u017e\u016bst kr\u0101sa. T\u0101 ir viena no t\u0101m pieaugu\u0161o liet\u0101m, ko m\u0113s atliekam, l\u012bdz p\u0113k\u0161\u0146i k\u013c\u016bst par v\u0113lu. Bet tad, kad salauzta roka vai p\u0113k\u0161\u0146a slim\u012bba draud izsist pamat\u012bgu robu bud\u017eet\u0101, polise p\u0113k\u0161\u0146i k\u013c\u016bst par tavu lab\u0101ko draugu. Un tie\u0161i \u0161eit sarun\u0101 par\u0101d\u0101s Swedbank […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-111","post","type-post","status-publish","format-standard","hentry","category-bizness"],"_links":{"self":[{"href":"https:\/\/worldpoint.eu\/lv\/wp-json\/wp\/v2\/posts\/111","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/worldpoint.eu\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/worldpoint.eu\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/worldpoint.eu\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/worldpoint.eu\/lv\/wp-json\/wp\/v2\/comments?post=111"}],"version-history":[{"count":0,"href":"https:\/\/worldpoint.eu\/lv\/wp-json\/wp\/v2\/posts\/111\/revisions"}],"wp:attachment":[{"href":"https:\/\/worldpoint.eu\/lv\/wp-json\/wp\/v2\/media?parent=111"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/worldpoint.eu\/lv\/wp-json\/wp\/v2\/categories?post=111"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/worldpoint.eu\/lv\/wp-json\/wp\/v2\/tags?post=111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}K\u0101 Swedbank Atvieglo Darbinieku Apdro\u0161in\u0101\u0161anu Uz\u0146\u0113mumiem<\/h4>\n
Soli pa Solim: Pieteik\u0161an\u0101s Process<\/h3>\n
1. Izv\u0113lieties programmu. Izp\u0113tiet segumu un limitus.
2. Aizpildiet pieteikumu. B\u016bs j\u0101nor\u0101da personas dati un j\u0101atbild uz da\u017eiem jaut\u0101jumiem par vesel\u012bbas st\u0101vokli.
3. Sa\u0146emiet pied\u0101v\u0101jumu. Banka izv\u0113rt\u0113s j\u016bsu pieteikumu un nos\u016bt\u012bs jums individu\u0101lu pied\u0101v\u0101jumu ar pr\u0113mijas apm\u0113ru.
4. Apstipriniet l\u012bgumu. Ja viss apmierina, atliek tikai parakst\u012bt l\u012bgumu (parasti to var izdar\u012bt elektroniski) un s\u0101kt maks\u0101t pr\u0113mijas.
Un tas ar\u012b viss. Process ir padar\u012bts maksim\u0101li digit\u0101ls un \u0113rts. Atbilde uz jaut\u0101jumu, k\u0101 pieteikties Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161anai<\/b>, ir \u2013 liel\u0101koties tie\u0161saist\u0113, kas ir milz\u012bgs pluss m\u016bsdienu steidz\u012bgaj\u0101 pasaul\u0113.<\/p>\nK\u0101 Izv\u0113l\u0113ties Vispiem\u0113rot\u0101ko Swedbank Vesel\u012bbas Apdro\u0161in\u0101\u0161anas Polisi?<\/h2>\n
Svar\u012bg\u0101kie Krit\u0113riji L\u0113muma Pie\u0146em\u0161anai<\/h3>\n
1. Segums un limiti.<\/b> Kas tie\u0161i ir iek\u013cauts? K\u0101di ir finansi\u0101lie limiti katrai pakalpojumu kategorijai (piem\u0113ram, zob\u0101rstniec\u012bbai, rehabilit\u0101cijai)?
2. Pa\u0161risks un l\u012bdzmaks\u0101jumi.<\/b> Vai par katru viz\u012bti vai pakalpojumu b\u016bs j\u0101maks\u0101 k\u0101da da\u013ca no savas kabatas? Cik liela t\u0101 ir?
3. Iz\u0146\u0113mumi.<\/b> Kas NAV iek\u013cauts polis\u0113? Parasti t\u0101s ir hronisku slim\u012bbu \u0101rst\u0113\u0161ana (kas diagnostic\u0113tas pirms polises ieg\u0101des), kosm\u0113tisk\u0101s proced\u016bras un citas specifiskas lietas. \u0160is ir pats svar\u012bg\u0101kais punkts, kam cilv\u0113ki bie\u017ei nepiev\u0113r\u0161 uzman\u012bbu.
4. L\u012bgumpartneru t\u012bkls.<\/b> Vai j\u016bsu iecien\u012bt\u0101k\u0101 kl\u012bnika vai \u0101rsts ir sarakst\u0101?
5. Cena.<\/b> Vai ikm\u0113ne\u0161a maks\u0101jums ir adekv\u0101ts pied\u0101v\u0101tajam segumam un j\u016bsu bud\u017eetam? Apskatot Swedbank vesel\u012bbas apdro\u0161in\u0101\u0161anas nosac\u012bjumi atsauksmes<\/b> internet\u0101, var g\u016bt labu priek\u0161statu par citu cilv\u0113ku pieredzi.<\/p>\nSwedbank Pied\u0101v\u0101jumu Sal\u012bdzin\u0101\u0161ana<\/h3>\n
Vesel\u012bbas Apdro\u0161in\u0101\u0161anas Atl\u012bdz\u012bbas Sa\u0146em\u0161ana: Swedbank Process<\/h2>\n
Nepiecie\u0161amie Dokumenti un Termi\u0146i<\/h3>\n
Bie\u017e\u0101k Uzdotie Jaut\u0101jumi par Atl\u012bdz\u012bb\u0101m<\/h3>\n
Swedbank Vesel\u012bbas Apdro\u0161in\u0101\u0161ana: Ieguld\u012bjums J\u016bsu un J\u016bsu Tuvinieku Labkl\u0101j\u012bb\u0101<\/h2>\n