{"id":262153,"date":"2022-09-03T17:48:12","date_gmt":"2022-09-03T16:48:12","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=262153"},"modified":"2022-09-03T17:48:12","modified_gmt":"2022-09-03T16:48:12","slug":"vseobecna-zdravotni-pojistovna-milostive-leto-2-zacina-jak-postupovat-pri-reseni-dluhu-u-vzp","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=262153","title":{"rendered":"V\u0160EOBECN\u00c1 ZDRAVOTN\u00cd POJI\u0160\u0164OVNA: Milostiv\u00e9 l\u00e9to 2 za\u010d\u00edn\u00e1. Jak postupovat p\u0159i \u0159e\u0161en\u00ed dluhu u VZP?"},"content":{"rendered":"

\"\"<\/p>\n

VZP \u010cR p\u0159ipravila pro sv\u00e9 klienty podrobn\u00fd a jasn\u00fd popis, kdo a jak se m\u016f\u017ee do akce Milostiv\u00e9 l\u00e9to 2 zapojit. Na uveden\u00e9 webov\u00e9 str\u00e1nce (<\/b>https:\/\/milostiveleto.vzp.cz<\/b><\/a>) najdou z\u00e1jemci mj. vzor p\u00edsemn\u00e9 \u017e\u00e1dosti pro dlu\u017en\u00edky, kterou je nutn\u00e9 odeslat na exekutorsk\u00fd \u00fa\u0159ad. Informace o mo\u017enostech, kter\u00e9 nab\u00edz\u00ed ML2 a n\u00e1vod, jak postupovat, jsou zve\u0159ej\u0148ov\u00e1ny nejen na webov\u00fdch str\u00e1nk\u00e1ch a soci\u00e1ln\u00edch s\u00edt\u00edch, ale tak\u00e9 na pobo\u010dk\u00e1ch VZP \u010cR po cel\u00e9 \u010cR.<\/b><\/h6>\n

Po\u010det dlu\u017en\u00edk\u016f, kte\u0159\u00ed by mohli t\u00e9to akce vyu\u017e\u00edt jen u VZP, dosahuje t\u00e9m\u011b\u0159 190 tis\u00edc. Celkov\u00e1 v\u00fd\u0161e dluhu na pojistn\u00e9m u nich p\u0159edstavuje 11 miliard K\u010d, dal\u0161\u00edch t\u00e9m\u011b\u0159 14 miliard K\u010d tvo\u0159\u00ed dlu\u017en\u00e9 pen\u00e1le, kter\u00e9 je mo\u017en\u00e9 v\u00a0r\u00e1mci akce odpustit.<\/p>\n

Nenechte dluh doj\u00edt a\u017e k\u00a0exekuci!<\/b><\/h6>\n

Soudn\u00ed exekuce je a\u017e posledn\u00ed instanc\u00ed p\u0159i \u0159e\u0161en\u00ed dluhu. Jako takov\u00e1 s\u00a0sebou nese \u0159adu rizik, komplikac\u00ed a samoz\u0159ejm\u011b tak\u00e9 vy\u0161\u0161\u00ed n\u00e1klady na stran\u011b dlu\u017en\u00edka. Pokud klient nech\u00e1 zaj\u00edt dluh a\u017e do t\u00e9to f\u00e1ze, vzdaluje se mo\u017enosti jej zd\u00e1rn\u011b a s\u00a0minimem n\u00e1klad\u016f vy\u0159e\u0161it.\u00a0\u201eChci apelovat na v\u0161echny, kte\u0159\u00ed se t\u0159eba dostanou do platebn\u00ed neschopnosti, aby nep\u0159estali s\u00a0poji\u0161\u0165ovnou komunikovat. Pokud klient na v\u00fdzvy reaguje v\u010das, sna\u017e\u00edme se naj\u00edt cestu, jak situaci vy\u0159e\u0161it. Je mo\u017en\u00e9 nap\u0159\u00edklad po\u017e\u00e1dat o spl\u00e1tkov\u00fd kalend\u00e1\u0159 nebo i o prominut\u00ed pen\u00e1le. Nejhor\u0161\u00ed je ned\u011blat nic a nechat dluh doj\u00edt a\u017e k\u00a0exekuci,\u201c<\/i>\u00a0\u0159\u00edk\u00e1 Zden\u011bk Kab\u00e1tek, \u0159editel VZP \u010cR.<\/p>\n

Po vzniku dluhu na zdravotn\u00edm poji\u0161t\u011bn\u00ed se VZP \u010cR sna\u017e\u00ed sv\u00e9 klienty opakovan\u011b vyzvat k\u00a0jeho \u00fahrad\u011b dopisem, e-mailem, formou SMS \u010di datovou zpr\u00e1vou. V\u00a0lo\u0148sk\u00e9m roce VZP \u010cR rozeslala takov\u00fdch v\u00fdzev t\u00e9m\u011b\u0159\u00a0p\u016fl milionu. Zareagovala na ni necel\u00e1 t\u0159etina (29 %) z nich, kte\u0159\u00ed na z\u00e1klad\u011b toho<\/b>\u00a0uhradili 602\u00a0mil.\u00a0K\u010d z\u00a0dlu\u017en\u00e9 \u010d\u00e1stky v\u00a0celkov\u00e9 v\u00fd\u0161i 1,88 mld. K\u010d.<\/p>\n

Pokud klient sv\u016fj dluh ne\u0159e\u0161\u00ed, dojde n\u00e1sledn\u011b k\u00a0vym\u011b\u0159en\u00ed dlu\u017en\u00e9ho pojistn\u00e9ho a\/nebo pen\u00e1le, kter\u00e9 je o\u0161et\u0159eno\u00a0tzv. exeku\u010dn\u00edm titulem<\/b>, o \u010dem\u017e je op\u011bt informov\u00e1n, tentokr\u00e1t \u00fa\u0159edn\u00edm dopisem.\u00a0\u201eKdy\u017e na n\u011bj nezareaguje, mus\u00ed poji\u0161\u0165ovna za\u010d\u00edt dluh vym\u00e1hat, a to formou da\u0148ov\u00e9, nebo soudn\u00ed exekuce,\u201c\u00a0<\/i>p\u0159ipom\u00edn\u00e1 \u0159editel VZP Zden\u011bk Kab\u00e1tek. V\u00a0p\u0159\u00edpad\u011b, \u017ee klient dodr\u017e\u00ed z\u00e1konem stanoven\u00e9 lh\u016fty (8, resp. 15 dn\u016f od doru\u010den\u00ed v\u00fdkazu nedoplatk\u016f, resp. platebn\u00edho v\u00fdm\u011bru), m\u016f\u017ee poji\u0161\u0165ovnu po\u017e\u00e1dat o odstran\u011bn\u00ed tvrdosti z\u00e1kona, tedy o prominut\u00ed pen\u00e1le.\u00a0V roce 2021\u00a0<\/b>bylo sn\u00ed\u017eeno \u010di prominuto pen\u00e1le ve\u00a024 621\u00a0<\/b>p\u0159\u00edpadech, tj. v cca\u00a080 %\u00a0<\/b>z podan\u00fdch \u017e\u00e1dost\u00ed.<\/p>\n

Dlu\u017en\u00edk tak\u00e9 m\u016f\u017ee po celou dobu \u0159e\u0161en\u00ed dluhu tak\u00e9 kdykoli po\u017e\u00e1dat o\u00a0spl\u00e1tkov\u00fd kalend\u00e1\u0159<\/b>. VZP \u010cR\u00a0vloni uzav\u0159ela se sv\u00fdmi klienty 16 659\u00a0<\/b>spl\u00e1tkov\u00fdch kalend\u00e1\u0159\u016f. V p\u0159\u00edpad\u011b ji\u017e prob\u00edhaj\u00edc\u00ed soudn\u00ed exekuce mus\u00ed b\u00fdt \u017e\u00e1dost adresov\u00e1na exekutorovi.<\/p>\n

Jak p\u0159edej\u00edt<\/b>\u00a0exekuci<\/b><\/h6>\n

1) Pokud si nejste jisti, zda v\u00e1m nevznik\u00e1 dluh na pojistn\u00e9m, obra\u0165te se na kteroukoli pobo\u010dku VZP, zkontrolovat si stav plateb m\u016f\u017eete tak\u00e9 online v\u00a0aplikaci Moje VZP.<\/p>\n

2)\u00a0Upozorn\u011bn\u00ed<\/b>\u00a0na dluh\u00a0neignorujte<\/b>.<\/p>\n

3) Po obdr\u017een\u00ed v\u00fdzvy k \u00fahrad\u011b za\u010dn\u011bte\u00a0situaci ihned \u0159e\u0161it<\/b>.<\/p>\n

4) Ve lh\u016ft\u00e1ch dan\u00fdch z\u00e1konem m\u016f\u017eete po\u017e\u00e1dat o prominut\u00ed pen\u00e1le.<\/p>\n

5) Po\u017e\u00e1dat m\u016f\u017eete tak\u00e9 o spl\u00e1tkov\u00fd kalend\u00e1\u0159.<\/p>\n

6) Ka\u017ed\u00e1 situace m\u00e1 \u0159e\u0161en\u00ed, d\u016fle\u017eit\u00e9 je komunikovat a nenechat \u00fahradu dluhu doj\u00edt a\u017e k\u00a0exekuci!<\/p>\n

(tz-vzp)<\/strong><\/p>\n

\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

VZP \u010cR <\/p>\n","protected":false},"author":2,"featured_media":262154,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[88],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2022\/09\/03\/vzp-milostive-leto.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/262153"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=262153"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/262153\/revisions"}],"predecessor-version":[{"id":262155,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/262153\/revisions\/262155"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/262154"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=262153"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=262153"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=262153"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}