{"id":28101,"date":"2017-05-01T19:48:19","date_gmt":"2017-05-01T17:48:19","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=28101"},"modified":"2017-05-01T19:48:19","modified_gmt":"2017-05-01T17:48:19","slug":"co-se-stane-kdyz-odmitnu-nahradit-zdravotni-pojistovne-skodu","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=28101","title":{"rendered":"Co se stane, kdy\u017e odm\u00edtnu nahradit zdravotn\u00ed poji\u0161\u0165ovn\u011b \u0161kodu?"},"content":{"rendered":"<p><strong>OT\u00c1ZKA: Nesouhlas\u00edm s rozhodnut\u00edm soudu, \u017ee jsem zp\u016fsobil ubl\u00ed\u017een\u00ed na zdrav\u00ed, a budu pod\u00e1vat dovol\u00e1n\u00ed. Zdravotn\u00ed poji\u0161\u0165ovna u\u017e po mn\u011b ale chce n\u00e1hradu \u0161kody. Co se stane, kdy\u017e odm\u00edtnu nahradit zdravotn\u00ed poji\u0161\u0165ovn\u011b \u0161kodu? Odpov\u00edd\u00e1 VZP<\/strong><br \/>\n<!--more--><\/p>\n<p>ODPOV\u011a\u010e:<\/p>\n<p>Ka\u017ed\u00fd m\u00e1 pr\u00e1vo br\u00e1nit se proti rozhodnut\u00ed org\u00e1n\u016f \u010dinn\u00fdch v trestn\u00edm \u0159\u00edzen\u00ed (Policie \u010cR, st\u00e1tn\u00ed zastupitelstv\u00ed, soud) \u010di spr\u00e1vn\u00edho org\u00e1nu (nap\u0159. \u00da\u0159adu m\u011bstsk\u00e9 \u010d\u00e1sti) podle pou\u010den\u00ed, uveden\u00e9ho v jejich rozhodnut\u00ed. Mus\u00edme v\u0161ak upozornit \u017ee je zcela bezp\u0159edm\u011btn\u00e9 se ohrazovat v\u016f\u010di v\u00fdzv\u011b vydan\u00e9 zdravotn\u00ed poji\u0161\u0165ovnou k n\u00e1hrad\u011b \u0161kody (tj. n\u00e1klad\u016f, kter\u00e9 poji\u0161\u0165ovna uhradila z prost\u0159edk\u016f ve\u0159ejn\u00e9ho zdravotn\u00edho poji\u0161t\u011bn\u00ed za l\u00e9\u010den\u00ed jej\u00edho poji\u0161t\u011bnce, jemu\u017e bylo ubl\u00ed\u017eeno na zdrav\u00ed zavin\u011bn\u00fdm protipr\u00e1vn\u00edm jedn\u00e1n\u00edm \u201et\u0159et\u00ed osoby\u201c). Zdravotn\u00ed poji\u0161\u0165ovn\u011b nen\u00e1le\u017e\u00ed p\u0159ezkoum\u00e1vat, zda k ud\u00e1losti do\u0161lo a kdo je vinen. Pro zdravotn\u00ed poji\u0161\u0165ovnu je kone\u010dn\u00e9 rozhodnut\u00ed p\u0159\u00edslu\u0161n\u00fdch org\u00e1n\u016f po nabyt\u00ed pr\u00e1vn\u00ed moci z\u00e1vazn\u00e9, stejn\u011b jako pro dot\u010denou osobu.<\/p>\n<p>Po obdr\u017een\u00ed rozhodnut\u00ed p\u0159\u00edslu\u0161n\u00e9ho org\u00e1nu s vyzna\u010den\u00edm pr\u00e1vn\u00ed moci je zdravotn\u00ed poji\u0161\u0165ovna povinna vyzvat vin\u00edka zavin\u011bn\u00e9ho protipr\u00e1vn\u00edho jedn\u00e1n\u00ed k n\u00e1hrad\u011b \u0161kody. V doporu\u010den\u00e9 z\u00e1silce uvede stru\u010dn\u011b podstatu tohoto jedn\u00e1n\u00ed s odkazem na rozhodnut\u00ed p\u0159\u00edslu\u0161n\u00e9ho org\u00e1nu v\u010detn\u011b jeho spisov\u00e9 zna\u010dky, d\u00e1le uvede \u010d\u00edslo \u00fa\u010dtu a variabiln\u00ed symbol poji\u0161\u0165ovny a p\u0159ilo\u017e\u00ed z\u00e1rove\u0148 vy\u010d\u00edslen\u00ed n\u00e1hrady \u0161kody. Uveden je tak\u00e9 kontakt na konkr\u00e9tn\u00edho pracovn\u00edka poji\u0161\u0165ovny, kter\u00fd z\u00e1le\u017eitost zpracov\u00e1v\u00e1. Pokud doty\u010dn\u00fd (ozna\u010dovan\u00fd jako \u201epovinn\u00fd\u201c, nebo\u0165 je povinen zaplatit) do 15 dn\u016f od doru\u010den\u00ed uvedenou \u0161kodu neuhrad\u00ed nebo nepo\u017e\u00e1d\u00e1 o spl\u00e1tkov\u00fd kalend\u00e1\u0159, \u010di si z\u00e1silku nevyzvedne, poji\u0161\u0165ovna obvykle za\u0161le upom\u00ednku.<\/p>\n<p>Neodpov\u00ed-li povinn\u00fd ani na upom\u00ednku a \u0161kodu neuhrad\u00ed, je zdravotn\u00ed poji\u0161\u0165ovna nucena vym\u00e1hat sv\u016fj opr\u00e1vn\u011bn\u00fd n\u00e1rok cestou p\u0159\u00edslu\u0161n\u00e9ho soudu, co\u017e pro povinn\u00e9ho p\u0159in\u00e1\u0161\u00ed v\u00edcen\u00e1klady t\u00edm, \u017ee bude hradit n\u00e1klady soudn\u00edho \u0159\u00edzen\u00ed a \u00farok z prodlen\u00ed. Soud mu ve sv\u00e9m rozhodnut\u00ed (platebn\u00ed rozkaz nebo rozsudek) ulo\u017e\u00ed uhradit zdravotn\u00ed poji\u0161\u0165ovn\u011b vzniklou \u0161kodu v\u010detn\u011b \u00farok\u016f z prodlen\u00ed a n\u00e1klad\u016f soudn\u00edho \u0159\u00edzen\u00ed, a to do 3 dn\u016f od nabyt\u00ed pr\u00e1vn\u00ed moci rozhodnut\u00ed. Nereaguje-li povinn\u00fd ani v tomto p\u0159\u00edpad\u011b, zdravotn\u00ed poji\u0161\u0165ovna pod\u00e1 p\u0159\u00edslu\u0161n\u00e9mu Exekutorsk\u00e9mu \u00fa\u0159adu n\u00e1vrh na v\u00fdkon rozhodnut\u00ed (tzv. exekuci).<\/p>\n<p>V ka\u017ed\u00e9m p\u0159\u00edpad\u011b se takto vym\u00e1han\u00e1 \u0161koda povinn\u00e9 osob\u011b zna\u010dn\u011b prodra\u017e\u00ed, a proto doporu\u010dujeme v\u017edy se spojit s konkr\u00e9tn\u00edm pracovn\u00edkem zdravotn\u00ed poji\u0161\u0165ovny a dohodnout zp\u016fsob \u00fahrady. Pokud byste byl ve sv\u00e9m dovol\u00e1n\u00ed \u00fasp\u011b\u0161n\u00fd, zdravotn\u00ed poji\u0161\u0165ovna v\u00e1m zaplacenou n\u00e1hradu \u0161kody vr\u00e1t\u00ed. Z na\u0161\u00ed praxe jsou v\u0161ak zku\u0161enosti takov\u00e9, \u017ee dovol\u00e1n\u00ed jsou \u00fasp\u011b\u0161n\u00e1 jen v miziv\u00e9m procentu p\u0159\u00edpad\u016f.<\/p>\n<p>Mgr. Old\u0159ich Tich\u00fd vedouc\u00ed tiskov\u00e9ho odd\u011blen\u00ed a tiskov\u00fd mluv\u010d\u00ed<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>OT\u00c1ZKA: Nesouhlas\u00edm s rozhodnut\u00edm soudu, \u017ee jsem zp\u016fsobil ubl\u00ed\u017een\u00ed na zdrav\u00ed, a budu pod\u00e1vat dovol\u00e1n\u00ed. Zdravotn\u00ed poji\u0161\u0165ovna u\u017e po mn\u011b ale chce n\u00e1hradu \u0161kody. Co <a class=\"mh-excerpt-more\" href=\"https:\/\/www.invarena.cz\/?p=28101\" title=\"Co se stane, kdy\u017e odm\u00edtnu nahradit zdravotn\u00ed poji\u0161\u0165ovn\u011b \u0161kodu?\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":19084,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-28101","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zpravy"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/28101","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=28101"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/28101\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/19084"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28101"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28101"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}