Zdravstveno osiguranje – Krankenkasse

Zdravstveno osiguranje – Krankenkasse

Ako mislite da ste zdravi i da vam ne treba zdravstveno osiguranje dok još niste pronašli posao, odluka je na vama da li ćete se zdravstveno osigurati. U Njemačkoj svatko plaća zdravstveno osiguranje , radio ili ne radio.

Oni koji ne rade ( i nikada nisu radili) plaćaju 155€ mjesečno za osiguranje, dok oni koji rade imaju to regulirano preko poslodavca iz bruto mase svoje plaće.

U Njemačkoj postoje dvije vrste osiguranja, obavezno GKV i privatno PKV

Privatno osiguranje  (PKV – Private Krankenversicherung ) se najviše isplati mladim osobama bez djece, jer su premije manje. Ali kako se još uvijek s godinama sve više stari, tako su i kod privatnih osiguranja premije  s godinama više. U pravilu ako ste bolesni, i odete k liječniku, sve troškove snosite vi sami , plaćate ih na licu mjesta, uzmete račun i dostavite ga svom privatnom osiguranju, a onda vam se ta sredstva vraćaju na vaš račun.

Obavezno osiguranje (GKV –  gesetzliche Krankenversicherung) je obavezno  zdravstveno osiguranje, a za koje će vas vjerojatno vaš poslodavac prvo osigurati. Kod ovog osiguranja visina vaših primanja  utvrđuje doprinose koje ćete plaćati za osiguranje. Tko manje zarađuje , taj manje plaća i obrnuto.

Ako ste tek započeli sa radom, poslodavac će za vas obaviti sve što je potrebno za zdravstveno osiguranje, od vaše bruto plaće nekih 15 % ide na zdravstveno osiguranje.

Dok ste u radnom odnosu, pola zdravstvenog osiguranja plaća poslodavac, a pola vi iz te bruto plaće.

Posjet liječniku

Kod većine usluga koje pokriva zavod za zdravstveno osiguranje, morate participirati sa 10% (najmanje 5 € a najviše 10 €). U slučaju liječenja u bolnici vaša participacija je 10 € po danu, do maksimalno 28 dana u godini.

Prilikom posjete liječniku u  svakom tromjesečju plaća se ordinacijska pristojba u iznosu od 10 €. Ako ste dobili uputnicu od liječnika a vaš je termin dogovoren u istom tromjesečju, onda kod liječnika specijaliste ne plaćate pristojbu.

I u Njemačkoj možete birati svog liječnika, i s istekom tromjesečja možete ga i promijeniti.

Ako trebate dobiti lijek za svoju bolest, trebati ćete sudjelovati u cijeni lijeka u iznosu od 5€ do  10€, no kao i svagdje drugdje postoje lijekovi za koje se ne mora plaćati participacija, informirajte se prilikom dolaska liječniku.

Neke lijekove zdravstveno ne prihvaća, i za te lijekove liječnik vam napiše privatni recept (Privatrezept). Ti lijekovi se naplaćuju direktno iz vašeg džepa.

Lijekovi koji se ne izdaju na recept prodaju se u ljekarnama po različitim cijenama, pa je dobro uspoređivati cijene tih lijekova.

Hitna služba  poziv 112

2.377 Replies to “Zdravstveno osiguranje – Krankenkasse

  1. I simply want to say I’m new to blogging and site-building and really liked you’re blog. More than likely I’m planning to bookmark your blog . You really have beneficial well written articles. Many thanks for sharing your website.

  2. An impressive share, I just given this onto a colleague who was doing just a little evaluation on this. And he in reality purchased me breakfast as a result of I discovered it for him.. smile. So let me reword that: Thnx for the treat! However yeah Thnkx for spending the time to discuss this, I feel strongly about it and love reading extra on this topic. If attainable, as you grow to be expertise, would you thoughts updating your blog with more particulars? It is extremely helpful for me. Massive thumb up for this weblog publish!

  3. You really make it appear so easy with your presentation however I find this topic to be actually something that I believe I’d by no means understand. It kind of feels too complex and very extensive for me. I’m taking a look ahead on your next submit, I will attempt to get the grasp of it!

  4. I discovered your blog post web site online and check a few of your early posts. Continue to keep in the great operate. I recently extra increase RSS feed to my MSN News Reader. Seeking toward reading much more from you at a later time!…

  5. When I originally commented I clicked the -Notify me when new surveys are added- checkbox and from now on every time a comment is added I am four emails using the same comment. Is there however it is possible to eliminate me from that service? Thanks!

  6. Thanks for expressing your ideas. Something is that college students have a solution between government student loan and also a private student loan where it’s easier to opt for student loan debt consolidation than in the federal student loan.

  7. My brother recommended I might like this web site. He was totally right. This post truly made my day. You cann’t imagine simply how much time I had spent for this info! Thanks!

  8. Many thanks for sharing these types of wonderful threads. In addition, the perfect travel and medical insurance plan can often relieve those worries that come with travelling abroad. A medical crisis can rapidly become too expensive and that’s guaranteed to quickly slam a financial impediment on the family finances. Having in place the ideal travel insurance package deal prior to setting off is definitely worth the time and effort. Thanks

  9. I got what you mean , appreciate it for posting .Woh I am delighted to find this website through google. „Don’t be afraid of opposition. Remember, a kite rises against not with the wind.“ by Hamilton Mabie.

  10. Thanks for sharing superb informations. Your web site is very cool. I’m impressed by the details that you have on this blog. It reveals how nicely you perceive this subject. Bookmarked this website page, will come back for extra articles. You, my friend, ROCK! I found just the info I already searched everywhere and just couldn’t come across. What an ideal website.

  11. In the grand design of things you actually secure a B- just for effort. Where you lost me personally was in all the facts. You know, as the maxim goes, the devil is in the details… And that couldn’t be much more correct right here. Having said that, permit me tell you just what did give good results. The writing can be incredibly persuasive which is probably why I am taking the effort in order to opine. I do not really make it a regular habit of doing that. 2nd, although I can easily see a jumps in logic you make, I am not confident of how you appear to unite the details that produce the final result. For now I will, no doubt yield to your point but wish in the future you link the dots much better.

  12. certainly like your website but you have to check the spelling on quite a few of your posts. Many of them are rife with spelling issues and I find it very troublesome to tell the truth nevertheless I’ll certainly come back again.

  13. I’ve been browsing online more than 3 hours these days, yet I never found any attention-grabbing article like yours. It is beautiful value sufficient for me. Personally, if all webmasters and bloggers made just right content material as you probably did, the internet will be much more useful than ever before.

  14. Hi I am so happy I found your blog page, I really found you by accident, while I was searching on Yahoo for something else, Regardless I am here now and would just like to say thank you for a fantastic post and a all round enjoyable blog (I also love the theme/design), I don’t have time to read through it all at the moment but I have saved it and also added in your RSS feeds, so when I have time I will be back to read more, Please do keep up the awesome work.

  15. Just want to say your article is as surprising. The clarity to your submit is simply nice and that i can assume you are knowledgeable on this subject. Fine with your permission let me to seize your RSS feed to keep up to date with forthcoming post. Thank you 1,000,000 and please continue the gratifying work.

  16. I am really enjoying the theme/design of your weblog. Do you ever run into any browser compatibility issues? A small number of my blog audience have complained about my blog not working correctly in Explorer but looks great in Chrome. Do you have any suggestions to help fix this problem?

  17. Thanks for the sensible critique. Me and my neighbor were just preparing to do a little research on this. We got a grab a book from our area library but I think I learned more from this post. I’m very glad to see such excellent information being shared freely out there.

  18. Magnificent items from you, man. I’ve have in mind your stuff prior to and you’re just too great. I actually like what you have bought here, really like what you’re saying and the way in which by which you are saying it. You are making it entertaining and you continue to take care of to stay it smart. I can not wait to read much more from you. This is really a tremendous website.

  19. I’m impressed, I must say. Actually rarely will i encounter a blog that’s both educative and entertaining, and without a doubt, you’ve hit the nail within the head. Your notion is outstanding; the problem is something not enough individuals are speaking intelligently about. I will be very happy that I came across this inside my search for some thing concerning this.

  20. Have you ever thought about writing an e-book or guest authoring on other sites? I have a blog based on the same ideas you discuss and would really like to have you share some stories/information. I know my subscribers would appreciate your work. If you’re even remotely interested, feel free to send me an email.

  21. I used to be more than happy to find this net-site.I wanted to thanks on your time for this glorious learn!! I undoubtedly having fun with every little bit of it and I’ve you bookmarked to take a look at new stuff you weblog post.

  22. I loved up to you will receive carried out proper here. The sketch is attractive, your authored material stylish. nonetheless, you command get got an nervousness over that you wish be turning in the following. in poor health no doubt come further previously again since precisely the similar nearly a lot steadily inside case you shield this hike.

  23. hello!,I really like your writing very a lot! share we communicate extra about your article on AOL? I need a specialist in this area to unravel my problem. May be that is you! Having a look ahead to see you.

  24. I beloved up to you’ll obtain carried out right here. The comic strip is attractive, your authored material stylish. nonetheless, you command get bought an shakiness over that you wish be turning in the following. sick undoubtedly come further before again as precisely the similar nearly very continuously within case you defend this hike.

  25. FwI7Ip This very blog is obviously awesome and also factual. I have picked up a bunch of useful things out of it. I ad love to come back again soon. Thanks a bunch!

  26. IdD7eP magnificent issues altogether, you simply won a new reader. What might you recommend in regards to your submit that you simply made a few days ago? Any positive?

  27. I loved as much as you will receive carried out right here. The sketch is attractive, your authored subject matter stylish. nonetheless, you command get bought an shakiness over that you wish be delivering the following. unwell unquestionably come more formerly again as exactly the same nearly a lot often inside case you shield this hike.

  28. I was curious if you ever considered changing the page layout of your blog? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or two images. Maybe you could space it out better?

  29. Thanks for the guidelines shared on the blog. Another thing I would like to state is that weight loss is not information about going on a fad diet and trying to lose as much weight that you can in a couple of days. The most effective way to lose weight is by using it little by little and right after some basic suggestions which can enable you to make the most out of your attempt to lose weight. You may understand and be following most of these tips, however reinforcing awareness never hurts.

  30. After I initially left a comment I seem to have clicked on the -Notify me when new comments are added- checkbox and now every time a comment is added I receive four emails with the exact same comment. Is there a way you can remove me from that service? Many thanks.

  31. I believe that avoiding highly processed foods could be the first step in order to lose weight. They could taste great, but refined foods possess very little vitamins and minerals, making you take more only to have enough power to get throughout the day. When you are constantly consuming these foods, switching to cereals and other complex carbohydrates will help you to have more energy while consuming less. Interesting blog post.

  32. [url=http://metformin0l1.com]metformin[/url]
    [url=http://prednisone0l1.com]fatigue from prednisone [/url]
    [url=http://viagrad9z.com]should you avoid viagra while on brilinta [/url]
    [url=http://cialis0l1.com]do you need a prescription for do you need a prescription to buy cialis [/url]

  33. Have you ever thought about including a little bit more than just your articles? I mean, what you say is important and everything. Nevertheless imagine if you added some great graphics or video clips to give your posts more, „pop“! Your content is excellent but with pics and video clips, this website could undeniably be one of the best in its field. Awesome blog!

  34. One thing is the fact that one of the most common incentives for using your credit cards is a cash-back and also rebate present. Generally, you’ll have access to 1-5% back with various buying. Depending on the cards, you may get 1% returning on most expenditures, and 5% back on buying made on convenience stores, gasoline stations, grocery stores in addition to ‚member merchants‘.

  35. I simply needed to thank you very much again. I do not know the things I would have done in the absence of the entire hints discussed by you on that question. It had been an absolute distressing scenario for me, but understanding a specialised way you handled the issue made me to leap with delight. Extremely happy for your guidance and thus sincerely hope you are aware of a great job you have been providing training many others all through your webpage. I am sure you have never encountered all of us.

  36. Aw, this was a really nice post. In concept I wish to put in writing like this additionally – taking time and actual effort to make a very good article… but what can I say… I procrastinate alot and certainly not appear to get one thing done.

  37. Howdy! Someone in my Myspace group shared this website with us so I came to take a look. I’m definitely loving the information. I’m bookmarking and will be tweeting this to my followers! Wonderful blog and excellent design and style.

  38. I have figured out some important things through your blog post. One other point I would like to talk about is that there are several games out there designed in particular for toddler age youngsters. They incorporate pattern acknowledgement, colors, pets, and shapes. These usually focus on familiarization instead of memorization. This makes a child occupied without having a sensation like they are studying. Thanks

  39. I’m writing to make you be aware of of the fantastic discovery our daughter experienced checking your blog. She even learned a wide variety of details, which include what it’s like to possess a very effective helping spirit to have the rest quite simply learn about a variety of impossible subject matter. You actually exceeded readers‘ expectations. Thanks for providing those productive, dependable, informative not to mention fun guidance on your topic to Tanya.

  40. You could certainly see your expertise within the work you write. The world hopes for more passionate writers like you who aren’t afraid to mention how they believe. All the time go after your heart. „There are only two industries that refer to their customers as users.“ by Edward Tufte.

  41. That is the appropriate weblog for anybody who desires to find out about this topic. You understand a lot its almost onerous to argue with you (not that I truly would need…HaHa). You definitely put a new spin on a subject thats been written about for years. Great stuff, simply great!

  42. I want to express appreciation to you just for rescuing me from this challenge. After exploring throughout the the web and finding ways which are not pleasant, I assumed my life was well over. Existing minus the solutions to the issues you have resolved by way of your entire article content is a serious case, as well as the ones which might have in a negative way damaged my entire career if I had not encountered the website. That ability and kindness in controlling everything was important. I am not sure what I would’ve done if I had not come across such a step like this. I can at this time relish my future. Thanks so much for this skilled and sensible guide. I will not hesitate to refer the blog to any person who requires guidelines about this issue.

  43. Hmm it seems like your blog ate my first comment (it was extremely long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog writer but I’m still new to everything. Do you have any tips and hints for newbie blog writers? I’d definitely appreciate it.

  44. With havin so much content and articles do you ever run into any problems of plagorism or copyright violation? My site has a lot
    of exclusive content I’ve either written myself or outsourced but it looks like a lot of it is popping it up all
    over the internet without my permission. Do you know any solutions to help reduce
    content from being ripped off? I’d certainly appreciate

  45. I’ve been browsing online more than 3 hours today, yet I never found any interesting article like yours. It is pretty worth enough for me. In my opinion, if all website owners and bloggers made good content as you did, the internet will be a lot more useful than ever before.

  46. Magnificent items from you, man. I’ve keep in mind
    your stuff prior to and you’re simply too fantastic. I really like what you have obtained right here,
    certainly like what you’re stating and the way in which you are saying it.

    You are making it entertaining and you continue to care for to keep it
    wise. I can’t wait to learn far more from you.
    This is really a tremendous web site.

  47. I have discovered some new issues from your web site about pcs. Another thing I’ve always assumed is that computer systems have become an item that each household must have for some reasons. They provide convenient ways to organize households, pay bills, search for information, study, tune in to music and in many cases watch television shows. An innovative way to complete these types of tasks is by using a notebook computer. These computers are mobile, small, potent and portable.

  48. I was curious if you ever thought of changing the layout of your website?
    Its very well written; I love what youve got to say.
    But maybe you could a little more in the way of content so people could connect with it better.

    Youve got an awful lot of text for only having one or two images.
    Maybe you could space it out better?

  49. [url=http://cialis0l1.com]www.cialis0l1.com[/url]
    [url=http://prozac0l1.com]weaning cat off prozac [/url]
    [url=http://zithromax0l1.com]generic zithromax[/url]
    [url=http://prozac0l1.com]wellbutrine prozac combination [/url]
    [url=http://allopurinol0l1.com]generic allopurinol[/url]
    [url=http://cialis0l1.com]can weekly cialis lower blood pressure [/url]

  50. One more thing. I believe that there are quite a few travel insurance sites of reputable companies that permit you to enter your vacation details and get you the estimates. You can also purchase this international travel cover policy on the net by using the credit card. Everything you should do is always to enter your travel particulars and you can understand the plans side-by-side. Only find the plan that suits your capacity to pay and needs after which it use your credit card to buy that. Travel insurance online is a good way to begin looking for a respectable company pertaining to international travel insurance. Thanks for expressing your ideas.

  51. Right here is the perfect blog for anyone who really wants to understand this topic. You understand a whole lot its almost hard to argue with you (not that I personally will need to…HaHa). You definitely put a brand new spin on a topic that’s been written about for many years. Excellent stuff, just great.

  52. Hello there! This post couldn’t be written any better!

    Reading through this post reminds me of my old room mate!
    He always kept talking about this. I will forward
    this post to him. Fairly certain he will have a good read.
    Thank you for sharing!

  53. I blog quite often and I truly thank you for your information. The article
    has really peaked my interest. I’m going to book mark your site and keep checking for new information about once per week.
    I subscribed to your RSS feed as well.

  54. I would like to convey my gratitude for your kind-heartedness giving support to individuals who must have help with this one niche. Your personal commitment to passing the message all over appears to be unbelievably informative and have always enabled regular people much like me to achieve their dreams. This interesting guidelines means so much to me and somewhat more to my peers. Many thanks; from each one of us.

  55. Hello there, There’s no doubt that your site may be having internet browser compatibility problems.

    When I look at your site in Safari, it looks fine but when opening
    in I.E., it’s got some overlapping issues. I just wanted to provide
    you with a quick heads up! Other than that, great website!

  56. Hiya, I’m really glad I have found this info. Nowadays bloggers publish just about gossips and net and this is really frustrating. A good website with exciting content, that is what I need. Thank you for keeping this web site, I will be visiting it. Do you do newsletters? Can’t find it.

  57. A formidable share, I simply given this onto a colleague who was doing a bit analysis on this. And he the truth is bought me breakfast as a result of I found it for him.. smile. So let me reword that: Thnx for the deal with! However yeah Thnkx for spending the time to discuss this, I feel strongly about it and love reading more on this topic. If doable, as you develop into expertise, would you mind updating your weblog with more details? It is extremely useful for me. Massive thumb up for this weblog publish!

  58. Hey just wanted to give you a brief heads up and let you know a few of the
    images aren’t loading properly. I’m not sure why but I think its a linking issue.
    I’ve tried it in two different browsers and both show the same results.

  59. Howdy! I realize this is kind of off-topic
    however I had to ask. Does managing a well-established
    blog like yours take a massive amount work? I’m brand new to running
    a blog but I do write in my diary everyday. I’d like to start a blog so I
    will be able to share my personal experience and views
    online. Please let me know if you have any kind of ideas
    or tips for new aspiring blog owners. Appreciate it!

  60. I figured out more something totally new on this weight loss issue. One particular issue is a good nutrition is very vital while dieting. A big reduction in junk food, sugary foodstuff, fried foods, sweet foods, beef, and white flour products could possibly be necessary. Having wastes bloodsuckers, and harmful toxins may prevent aims for shedding fat. While particular drugs temporarily solve the issue, the terrible side effects are usually not worth it, and in addition they never provide more than a momentary solution. It’s a known undeniable fact that 95 of diet plans fail. Many thanks sharing your thinking on this web site.

  61. Wonderful blog! I found it while surfing around on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Many thanks

  62. Wonderful blog! Do you have any hints for aspiring writers? I’m hoping to start my own blog soon but I’m a little lost on everything. Would you recommend starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m totally confused .. Any ideas? Bless you!

  63. Hello there! This article could not be written much better!

    Reading through this article reminds me of my previous roommate!
    He continually kept preaching about this. I am going to send this article to him.
    Fairly certain he’s going to have a great read.
    I appreciate you for sharing!

  64. Howdy! This blog post could not be written any better!
    Reading through this post reminds me of my previous roommate!
    He constantly kept talking about this. I am going to forward this post to
    him. Pretty sure he will have a very good read.
    I appreciate you for sharing!

  65. I would like to show my love for your kindness giving support to those people who really need help with this important field. Your real commitment to passing the solution up and down had become exceptionally practical and have continually encouraged many people just like me to get to their ambitions. Your own warm and helpful tutorial means this much a person like me and far more to my fellow workers. Thanks a lot; from everyone of us.

  66. I have been browsing online greater than three hours today, but I
    by no means discovered any interesting article like yours.
    It’s beautiful price enough for me. In my opinion, if all web owners and bloggers made excellent
    content as you probably did, the net will probably be a lot
    more useful than ever before.