{"id":325374,"date":"2024-10-14T12:54:19","date_gmt":"2024-10-14T11:54:19","guid":{"rendered":"https:\/\/zakrasnejsivimperk.cz\/?p=325374"},"modified":"2024-10-14T12:54:19","modified_gmt":"2024-10-14T11:54:19","slug":"vseobecna-zdravotni-pojistovna-mekke-vymahani","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=325374","title":{"rendered":"V\u0160EOBECN\u00c1 ZDRAVOTN\u00cd POJI\u0160\u0164OVNA: M\u011bkk\u00e9 vym\u00e1h\u00e1n\u00ed"},"content":{"rendered":"

\"\"<\/p>\n

OT\u00c1ZKA:<\/h6>\n
P\u0159i\u0161la mi od VZP SMS zpr\u00e1va, \u017ee m\u00e1m dluh na zdravotn\u00edm poji\u0161t\u011bn\u00ed. Co to pro m\u011b znamen\u00e1?<\/b><\/h6>\n
ODPOV\u011a\u010e:<\/h6>\n

SMS zpr\u00e1va o dluhu na zdravotn\u00edm poji\u0161t\u011bn\u00ed znamen\u00e1, \u017ee m\u00e1 klient v\u016f\u010di VZP neuhrazen\u00e9 z\u00e1vazky, kter\u00e9 je nutn\u00e9 co nejd\u0159\u00edve vyrovnat.\u00a0Zpr\u00e1va je sou\u010d\u00e1st\u00ed tzv. m\u011bkk\u00e9ho vym\u00e1h\u00e1n\u00ed, kdy VZP informuje sv\u00e9 klienty o dlu\u017en\u00fdch \u010d\u00e1stk\u00e1ch a d\u00e1v\u00e1 jim mo\u017enost \u0159e\u0161it situaci dobrovoln\u011b, bez zah\u00e1jen\u00ed pr\u00e1vn\u00edch krok\u016f.<\/b>\u00a0Doporu\u010dujeme proto na takovou v\u00fdzvu reagovat v\u010das, aby nedo\u0161lo k nav\u00fd\u0161en\u00ed dluhu o \u00faroky z prodlen\u00ed \u010di dal\u0161\u00ed sankce.<\/p>\n

\n

Jak pozn\u00e1m, \u017ee se nejedn\u00e1 o podvodnou SMS zpr\u00e1vu?<\/b><\/p>\n

SMS zpr\u00e1vy zas\u00edlan\u00e9 VZP jsou v\u00fdhradn\u011b informa\u010dn\u00edho charakteru a nikdy neobsahuj\u00ed \u017e\u00e1dn\u00e9 v\u00fdzvy k poskytnut\u00ed osobn\u00edch \u00fadaj\u016f ani pokyny k platb\u011b.<\/b>\u00a0Formou SMS m\u016f\u017ee b\u00fdt dlu\u017en\u00edk upozorn\u011bn na jednotlivou pohled\u00e1vku nebo souhrnnou pohled\u00e1vku.\u00a0Pokud m\u00e1te pochybnosti o tom, zda m\u00e1te dluh na zdravotn\u00edm poji\u0161t\u011bn\u00ed, doporu\u010dujeme si stav sv\u00e9ho \u00fa\u010dtu ov\u011b\u0159it prost\u0159ednictv\u00edm\u00a0aplikace Moje VZP<\/a><\/strong>. Tato aplikace v\u00e1m poskytne aktu\u00e1ln\u00ed p\u0159ehled o v\u0161ech platb\u00e1ch a p\u0159\u00edpadn\u00fdch nedoplatc\u00edch.<\/p>\n

Pokud i p\u0159esto m\u00e1te podez\u0159en\u00ed, \u017ee SMS zpr\u00e1va nen\u00ed zaslan\u00e1 VZP nebo si nejste jist\u00ed jej\u00edm obsahem, m\u016f\u017eete zaslat sn\u00edmek obrazovky na e-mail\u00a0info@vzp.cz<\/a>.<\/strong>\u00a0Doporu\u010dujeme vyvarovat se otev\u00edr\u00e1n\u00ed odkaz\u016f, kter\u00e9 vedou mimo ofici\u00e1ln\u00ed web VZP na adrese\u00a0<\/b>www.vzp.cz<\/b><\/a>.<\/b><\/p>\n

\n

Co je to m\u011bkk\u00e9 vym\u00e1h\u00e1n\u00ed a jak prob\u00edh\u00e1?<\/b><\/p>\n

M\u011bkk\u00e9 vym\u00e1h\u00e1n\u00ed je prvn\u00ed f\u00e1ze procesu vym\u00e1h\u00e1n\u00ed dluhu, kdy se zdravotn\u00ed poji\u0161\u0165ovna sna\u017e\u00ed informovat dlu\u017en\u00edka o existuj\u00edc\u00edm nedoplatku a d\u00e1t mu prostor dluh dobrovoln\u011b uhradit.<\/b>\u00a0Tento p\u0159\u00edstup je \u0161etrn\u011bj\u0161\u00ed, proto\u017ee nevyu\u017e\u00edv\u00e1 tvrd\u00fdch pr\u00e1vn\u00edch prost\u0159edk\u016f, jako je exekuce nebo soudn\u00ed \u0159\u00edzen\u00ed.\u00a0Zdravotn\u00ed poji\u0161\u0165ovna pos\u00edl\u00e1 upom\u00ednky nejen formou SMS, ale tak\u00e9 prost\u0159ednictv\u00edm e-mailu, datov\u00e9 schr\u00e1nky nebo dopisu, kde klienta upozor\u0148uje na dlu\u017enou \u010d\u00e1stku a stanov\u00ed term\u00edn splatnosti.<\/b>\u00a0V ur\u010dit\u00fdch p\u0159\u00edpadech se VZP pokou\u0161\u00ed dlu\u017en\u00edka kontaktovat i telefonicky, aby se p\u0159ede\u0161lo dal\u0161\u00edm pr\u00e1vn\u00edm krok\u016fm.<\/p>\n

\n

Koho se nej\u010dast\u011bji m\u011bkk\u00e9 vym\u00e1h\u00e1n\u00ed t\u00fdk\u00e1?<\/b><\/p>\n

Nej\u010dast\u011bji k dluhu na zdravotn\u00edm poji\u0161t\u011bn\u00ed doch\u00e1z\u00ed u osob samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00fdch (OSV\u010c), kter\u00e9 neplat\u00ed v\u010das nastaven\u00e9 z\u00e1lohy, nebo u osob, kter\u00e9 ztratily zam\u011bstn\u00e1n\u00ed a nejsou p\u0159ihl\u00e1\u0161eny na \u00fa\u0159adu pr\u00e1ce.<\/b>\u00a0Dal\u0161\u00edmi \u010dast\u00fdmi p\u0159\u00edpady jsou nap\u0159\u00edklad studenti, kte\u0159\u00ed po ukon\u010den\u00ed studia nejsou za\u0159azeni v\u00a0kategorii st\u00e1tn\u00edch poji\u0161t\u011bnc\u016f a nehrad\u00ed si platby zdravotn\u00edho poji\u0161t\u011bn\u00ed, nebo tak\u00e9 zam\u011bstnavatel\u00e9, kte\u0159\u00ed za sv\u00e9 zam\u011bstnance neodv\u00e1d\u011bj\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n

\n

Z\u00e1rove\u0148 je nutn\u00e9 upozornit na povinnosti dlu\u017en\u00edk\u016f hradit sv\u00e9 z\u00e1vazky dle po\u0159ad\u00ed a v\u00a0souladu se z\u00e1konem. Nap\u0159. platba na pojistn\u00e9m tedy v\u017edy vyrovn\u00e1v\u00e1 nejstar\u0161\u00ed nedoplatek pojistn\u00e9ho.<\/b><\/p>\n

\n

Co se stane, pokud ozn\u00e1men\u00ed o dluhu nebudu \u0159e\u0161it?<\/b><\/p>\n

Pokud dlu\u017en\u00edk na ozn\u00e1men\u00ed nereaguje, obdr\u017e\u00ed form\u00e1ln\u00ed v\u00fdzvu k \u00fahrad\u011b dluhu s varov\u00e1n\u00edm p\u0159ed dal\u0161\u00edmi kroky.<\/b>\u00a0V p\u0159\u00edpad\u011b finan\u010dn\u00edch pot\u00ed\u017e\u00ed dlu\u017en\u00edka m\u016f\u017ee b\u00fdt ze strany VZP nab\u00eddnuta mo\u017enost spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e, co\u017e mu d\u00e1v\u00e1 prostor dluh rozlo\u017eit do men\u0161\u00edch pravideln\u00fdch plateb.<\/p>\n

\n

Pokud dlu\u017en\u00edk nereaguje ani na tato ozn\u00e1men\u00ed a dluh neuhrad\u00ed, m\u016f\u017eou m\u00edt jeho kroky z\u00e1va\u017en\u00e9 d\u016fsledky, proto\u017ee k dlu\u017en\u00e9 \u010d\u00e1stce se mohou p\u0159ipo\u010d\u00edtat i dal\u0161\u00ed n\u00e1klady spojen\u00e9 s vym\u00e1h\u00e1n\u00edm dluhu.\u00a0Situace m\u016f\u017ee dosp\u011bt a\u017e k soudn\u00edmu \u0159\u00edzen\u00ed a n\u00e1sledn\u00e9 exekuci, kter\u00e1 zahrnuje sr\u00e1\u017eky ze mzdy, blokaci bankovn\u00edch \u00fa\u010dt\u016f nebo zabaven\u00ed majetku.\u00a0Tento postup je pro dlu\u017en\u00edka zna\u010dn\u011b n\u00e1kladn\u00fd a \u010dasov\u011b n\u00e1ro\u010dn\u00fd, a proto je v\u017edy lep\u0161\u00ed \u0159e\u0161it dluhy ve f\u00e1zi m\u011bkk\u00e9ho vym\u00e1h\u00e1n\u00ed, kdy je situace je\u0161t\u011b snadno zvl\u00e1dnuteln\u00e1.<\/b><\/p>\n

 <\/p>\n

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

\n

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

OT\u00c1ZKA: P\u0159i\u0161la <\/p>\n","protected":false},"author":2,"featured_media":325377,"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\/2024\/10\/14\/ram-vzp.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/325374"}],"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=325374"}],"version-history":[{"count":3,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/325374\/revisions"}],"predecessor-version":[{"id":325378,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/325374\/revisions\/325378"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/325377"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=325374"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=325374"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=325374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}