OT\u00c1ZKA: Jedeme do \u0158ecka a ob\u00e1v\u00e1me se, jak by to bylo v p\u0159\u00edpad\u011b, \u017ee bychom pot\u0159ebovali l\u00e9ka\u0159skou pomoc. Asi bychom museli zaplatit v hotovosti, tak\u017ee bych cht\u011bla v\u011bd\u011bt, jak bychom m\u011bli d\u00e1l postupovat, abychom pen\u00edze dostali zp\u011bt. Tak\u00e9 by m\u011b zaj\u00edmalo, v jak\u00e9 m\u011bn\u011b se vypl\u00e1c\u00ed. Odpov\u00edd\u00e1 VZP.<\/p>\n
photo on Flickr<\/p>\n
ODPOV\u011a\u010e:<\/p>\n
P\u0159i nezbytn\u00e9m o\u0161et\u0159en\u00ed, tedy o\u0161et\u0159en\u00ed, kter\u00e9 jste museli vyhledat z d\u016fvodu zhor\u0161en\u00ed va\u0161eho zdravotn\u00edho stavu b\u011bhem pobytu v zahrani\u010d\u00ed nebo nap\u0159. \u00farazu, by \u010desk\u00fd poji\u0161t\u011bnec v jin\u00e9 zemi EU po p\u0159edlo\u017een\u00ed pr\u016fkazu poji\u0161t\u011bnce (tzv. EHIC) nem\u011bl zaplatit v\u00edc, ne\u017e kolik je p\u0159\u00edpadn\u00e1 \u010d\u00e1stka spolu\u00fa\u010dasti, stejn\u00e1, jakou plat\u00ed m\u00edstn\u00ed poji\u0161t\u011bnci. Podm\u00ednkou ale je, \u017ee k o\u0161et\u0159en\u00ed do\u0161lo ve smluvn\u00edm zdravotnick\u00e9m za\u0159\u00edzen\u00ed, kter\u00e9 je napojeno na m\u00edstn\u00ed poji\u0161\u0165ovensk\u00fd syst\u00e9m. N\u00e1klady na samotnou zdravotn\u00ed p\u00e9\u010di vy\u00fa\u010dtuje l\u00e9ka\u0159, kter\u00fd v\u00e1s o\u0161et\u0159\u00ed, m\u00edstn\u00ed zdravotn\u00ed poji\u0161\u0165ovn\u011b, a ta tyto n\u00e1klady n\u00e1sledn\u011b p\u0159e\u00fa\u010dtuje va\u0161\u00ed \u010desk\u00e9 zdravotn\u00ed poji\u0161\u0165ovn\u011b. M\u016f\u017ee se ale st\u00e1t, \u017ee i po p\u0159edlo\u017een\u00ed pr\u016fkazu po v\u00e1s budou cht\u00edt v hotovosti celou \u010d\u00e1stku za poskytnutou p\u00e9\u010di. Rad\u011bji s touto variantou p\u0159edem po\u010d\u00edtejte, aby v\u00e1s p\u0159\u00edpadn\u00e1 nutnost zaplatit na m\u00edst\u011b nezasko\u010dila. Po n\u00e1vratu dom\u016f pak m\u016f\u017eete svoji zdravotn\u00ed poji\u0161\u0165ovnu po\u017e\u00e1dat o refundaci t\u011bchto n\u00e1klad\u016f.<\/p>\n
Po\u017e\u00e1dat o refundaci \u010d\u00e1stky, kterou jste za l\u00e9ka\u0159sk\u00e9 o\u0161et\u0159en\u00ed zaplatili, m\u016f\u017eete po n\u00e1vratu i v p\u0159\u00edpad\u011b, \u017ee jste byli o\u0161et\u0159eni v nesmluvn\u00edm zdravotnick\u00e9m za\u0159\u00edzen\u00ed. Tam zaplat\u00edte za o\u0161et\u0159en\u00ed v\u017edy, EHIC a syst\u00e9m p\u0159e\u00fa\u010dtov\u00e1n\u00ed mezi poji\u0161\u0165ovnami se na tato za\u0159\u00edzen\u00ed nevztahuje. Nav\u00edc se v\u0161\u00ed pravd\u011bpodobnost\u00ed zaplat\u00edte o dost v\u00edce, ne\u017e by byla \u00fahrada ve smluvn\u00edm zdravotnick\u00e9m za\u0159\u00edzen\u00ed. Proto se v\u017edy sna\u017ete vyhledat ta smluvn\u00ed \u2013 v\u00edce informac\u00ed najdete na www.cmu.cz.<\/p>\n
Refundace prob\u00edh\u00e1 na z\u00e1klad\u011b \u017e\u00e1dosti, kterou m\u00e1te po n\u00e1vratu dom\u016f mo\u017enost podat u sv\u00e9 zdravotn\u00ed poji\u0161\u0165ovny. Rozhodn\u011b si pe\u010dliv\u011b uschovejte jak \u00fa\u010dty, tak l\u00e9ka\u0159sk\u00e9 zpr\u00e1vy. Po n\u00e1vratu je p\u0159edlo\u017e\u00edte poji\u0161\u0165ovn\u011b spolu se \u017e\u00e1dost\u00ed o n\u00e1hradu n\u00e1klad\u016f vynalo\u017een\u00fdch na zdravotn\u00ed slu\u017eby poskytnut\u00e9 v zahrani\u010d\u00ed. M\u00e1te mo\u017enost na \u017e\u00e1dosti uv\u00e9st, zda \u017e\u00e1d\u00e1te refundaci dle \u010desk\u00fdch pr\u00e1vn\u00edch p\u0159edpis\u016f, nebo dle p\u0159edpis\u016f st\u00e1tu o\u0161et\u0159en\u00ed. Refundace dle zahrani\u010dn\u00edch tarif\u016f znamen\u00e1, \u017ee v\u00e1m va\u0161e zdravotn\u00ed poji\u0161\u0165ovna n\u00e1sledn\u011b proplat\u00ed v\u0161echno, co by za sv\u00e9ho poji\u0161t\u011bnce zaplatila tamn\u00ed zdravotn\u00ed poji\u0161\u0165ovna (tedy bez zaplacen\u00e9 spolu\u00fa\u010dasti). Za \u00fa\u010delem zji\u0161t\u011bn\u00ed v\u00fd\u0161e t\u00e9to \u010d\u00e1stky se p\u00edsemn\u011b dotazuje p\u0159\u00edslu\u0161n\u00e9 instituce ve st\u00e1t\u011b o\u0161et\u0159en\u00ed. Refundov\u00e1na v\u00e1m pak je \u010d\u00e1stka ve v\u00fd\u0161i a v term\u00ednu z\u00e1visej\u00edc\u00edm na odpov\u011bdi ze zahrani\u010d\u00ed. Nicm\u00e9n\u011b, jak ji\u017e je uvedeno v\u00fd\u0161e, m\u016f\u017eete si tak\u00e9 zvolit rychlej\u0161\u00ed mo\u017enost a nechat si vyplatit \u010d\u00e1stku v \u010desk\u00fdch cen\u00e1ch, tj. do v\u00fd\u0161e stanoven\u00e9 pro \u00fahradu takov\u00e9 p\u00e9\u010de, pokud by byla poskytnuta na \u00fazem\u00ed \u010cesk\u00e9 republiky. Refundace dle \u010desk\u00fdch tarif\u016f se tak\u00e9 automaticky uplatn\u00ed, pokud k o\u0161et\u0159en\u00ed do\u0161lo v nesmluvn\u00edm za\u0159\u00edzen\u00ed. Refundovan\u00e1 \u010d\u00e1stka v\u00e1m bude v ka\u017ed\u00e9m p\u0159\u00edpad\u011b vyplacena v \u010desk\u00fdch korun\u00e1ch.<\/p>\n
P\u0159i cest\u00e1ch do zahrani\u010d\u00ed ale VZP v\u017edy doporu\u010duje nespol\u00e9hat jen na pr\u016fkaz poji\u0161t\u011bnce (EHIC) a uzav\u0159\u00edt cestovn\u00ed poji\u0161t\u011bn\u00ed. V\u00fdhodn\u011b ho klient\u016fm V\u0161eobecn\u00e9 zdravotn\u00ed poji\u0161\u0165ovny nab\u00edz\u00ed komer\u010dn\u00ed Poji\u0161\u0165ovna VZP, a. s. S t\u00edmto poji\u0161t\u011bn\u00edm z\u00edsk\u00e1te i pomoc asisten\u010dn\u00ed slu\u017eby, a to od renomovan\u00e9 AXA Assistance \u2013 24 hodin denn\u011b a v \u010de\u0161tin\u011b. S cestovn\u00edm poji\u0161t\u011bn\u00edm a asistenc\u00ed, kter\u00e1 v\u00e1s nasm\u011bruje na vhodn\u00e9 zdravotnick\u00e9 za\u0159\u00edzen\u00ed, by se nem\u011blo st\u00e1t, \u017ee byste museli platit v hotovosti. N\u00e1klady do v\u00fd\u0161e pojistn\u00fdch limit\u016f a ve sjednan\u00e9m rozsahu hrad\u00ed PVZP p\u0159\u00edmo (nebo prost\u0159ednictv\u00edm poskytovatele asisten\u010dn\u00edch slu\u017eeb) zdravotnick\u00e9mu za\u0159\u00edzen\u00ed. Pokud byste uhradili p\u00e9\u010di v hotovosti, uplatn\u00edte pak n\u00e1rok na proplacen\u00ed p\u0159im\u011b\u0159en\u00fdch n\u00e1klad\u016f za danou pojistnou ud\u00e1lost u PVZP.<\/p>\n
Mgr. Old\u0159ich Tich\u00fd
\nvedouc\u00ed tiskov\u00e9ho odd\u011blen\u00ed a tiskov\u00fd mluv\u010d\u00ed<\/p>\n","protected":false},"excerpt":{"rendered":"
OT\u00c1ZKA: Jedeme do \u0158ecka a ob\u00e1v\u00e1me se, jak by to bylo v p\u0159\u00edpad\u011b, \u017ee bychom pot\u0159ebovali l\u00e9ka\u0159skou pomoc. Asi bychom museli zaplatit v hotovosti, tak\u017ee […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":7340,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-22093","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-poradna"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/22093","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=22093"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/22093\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/7340"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=22093"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=22093"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=22093"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}