{"id":2034,"date":"2026-05-04T13:50:39","date_gmt":"2026-05-04T13:50:39","guid":{"rendered":"https:\/\/www.ewo.sk\/?p=2034"},"modified":"2026-05-12T14:40:23","modified_gmt":"2026-05-12T14:40:23","slug":"zdravotne-poistenie-v-nemecku-zamestnanci-a-zivnostnici","status":"publish","type":"post","link":"https:\/\/www.ewo.sk\/cs\/zdravotne-poistenie-v-nemecku-zamestnanci-a-zivnostnici\/","title":{"rendered":"Zdravotn\u00ed poji\u0161t\u011bn\u00ed v N\u011bmecku pro zam\u011bstnance i \u017eivnostn\u00edky"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2034\" class=\"elementor elementor-2034\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-405dd6aa elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"405dd6aa\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6dc25def\" data-id=\"6dc25def\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-334ca969 elementor-invisible elementor-widget elementor-widget-gum_heading\" data-id=\"334ca969\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"gum_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"gum-widget-title\"><h1 class=\"section-main-title size-default\">Zdravotn\u00e9 poistenie v Nemecku pre zamestnancov aj \u017eivnostn\u00edkov<\/h1><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62fd728a elementor-widget elementor-widget-gum_post_image\" data-id=\"62fd728a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"gum_post_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"blog-featureimage\" style=\"background-image: url(https:\/\/www.ewo.sk\/wp-content\/uploads\/2026\/05\/serious-young-enhineer-workwear-protective-hardhat-crossing-his-arms-chest-while-working-industrial-plant-scaled.jpg)\"><img decoding=\"async\" src=\"https:\/\/www.ewo.sk\/wp-content\/uploads\/2026\/05\/serious-young-enhineer-workwear-protective-hardhat-crossing-his-arms-chest-while-working-industrial-plant-scaled.jpg\" title=\"\" alt=\"\" \/><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a27018 elementor-post-meta-divider-text elementor-invisible elementor-widget elementor-widget-gum_post_meta\" data-id=\"7a27018\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"gum_post_meta.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"posts-meta\"><li class=\"list-meta\"><a href=\"https:\/\/www.ewo.sk\"><i aria-hidden=\"true\" class=\"\"><\/i><span class=\"meta-text\">Ewo<\/span><\/a><\/li><li class=\"meta-divider\"><span>.<\/span><\/li><li class=\"list-meta\"><a href=\"https:\/\/www.ewo.sk\/cs\/2026\/05\/04\/\"><i aria-hidden=\"true\" class=\"\"><\/i><span class=\"meta-text\">4 kv\u011btna, 2026<\/span><\/a><\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4eccc81b elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no\" data-id=\"4eccc81b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6af549c2 elementor-invisible\" data-id=\"6af549c2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-126dec9c elementor-widget elementor-widget-text-editor\" data-id=\"126dec9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"75\" data-end=\"348\">Zdravotn\u00e9 poistenie je v Nemecku povinn\u00e9 pre ka\u017ed\u00e9ho, kto v krajine \u017eije alebo je zamestnan\u00fd. V\u00fdber pois\u0165ovne ani prihl\u00e1senie nemusia by\u0165 komplikovan\u00e9, sta\u010d\u00ed vedie\u0165, na \u010do si da\u0165 pozor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-653f4ba elementor-widget elementor-widget-heading\" data-id=\"653f4ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ktor\u00e9 zdravotn\u00e9 pois\u0165ovne s\u00fa najlep\u0161ie?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a0a9b6e elementor-widget elementor-widget-text-editor\" data-id=\"2a0a9b6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">V Nemecku m\u00e1te na v\u00fdber desiatky pois\u0165ovn\u00ed, ale rozdiely medzi nimi nie s\u00fa dramatick\u00e9. To, ktor\u00e1 z nich je \u201enajlep\u0161ia&#8220;, je do ve\u013ekej miery subjekt\u00edvne \u2014 m\u00f4\u017eete to posudzova\u0165 napr\u00edklad pod\u013ea bonusov a v\u00fdhod, ktor\u00e9 v\u00e1m poskytne.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Medzi najzn\u00e1mej\u0161ie patria:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\"><li class=\"whitespace-normal break-words pl-2\"><strong>TK<\/strong> (Techniker Krankenkasse)<\/li><li class=\"whitespace-normal break-words pl-2\"><strong>AOK<\/strong><\/li><li class=\"whitespace-normal break-words pl-2\"><strong>Barmer<\/strong><\/li><li class=\"whitespace-normal break-words pl-2\"><strong>DAK<\/strong><\/li><\/ul><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">V\u0161etky verejn\u00e9 pois\u0165ovne musia poskytova\u0165 rovnak\u00fa z\u00e1kladn\u00fa zdravotn\u00fa starostlivos\u0165. Rozdiel je najm\u00e4 v:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\"><li class=\"whitespace-normal break-words pl-2\">doplnkov\u00fdch slu\u017eb\u00e1ch,<\/li><li class=\"whitespace-normal break-words pl-2\">bonusoch (napr\u00edklad za \u0161port alebo prevenciu),<\/li><li class=\"whitespace-normal break-words pl-2\">z\u00e1kazn\u00edckej podpore.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fc8d841 elementor-widget elementor-widget-heading\" data-id=\"1fc8d841\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ako si vybra\u0165 spr\u00e1vnu zdravotn\u00fa pois\u0165ov\u0148u?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79651ae9 elementor-widget elementor-widget-text-editor\" data-id=\"79651ae9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">\u00a0<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Najlep\u0161ia pois\u0165ov\u0148a nie je t\u00e1 s najkraj\u0161\u00edm webom \u2014 je to t\u00e1, ktor\u00e1 v\u00e1m re\u00e1lne u\u013eah\u010d\u00ed \u017eivot.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Pri v\u00fdbere si odpovedzte na p\u00e1r jednoduch\u00fdch ot\u00e1zok:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\"><li class=\"whitespace-normal break-words pl-2\">Rozumiem ich komunik\u00e1cii?<\/li><li class=\"whitespace-normal break-words pl-2\">Ak\u00e9 pon\u00fakaj\u00fa bonusy?<\/li><li class=\"whitespace-normal break-words pl-2\">Ak\u00e9 maj\u00fa doplnkov\u00e9 slu\u017eby?<\/li><\/ul><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">\u013dudia \u010dasto robia chybu, \u017ee si vyber\u00fa pois\u0165ov\u0148u n\u00e1hodne \u2014 napr\u00edklad pod\u013ea kolegu. Len\u017ee ka\u017ed\u00fd je v inej \u017eivotnej situ\u00e1cii a to, \u010do vyhovuje niekomu in\u00e9mu, nemus\u00ed d\u00e1va\u0165 zmysel pre v\u00e1s.<\/p><blockquote class=\"ml-2 border-l-4 border-border-300\/10 pl-4 text-text-300\"><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>TIP:<\/strong> Recenzie a porovnania jednotliv\u00fdch pois\u0165ovn\u00ed si m\u00f4\u017eete pozrie\u0165 napr\u00edklad na str\u00e1nke <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/www.krankenkassen.de\/\" target=\"_blank\" rel=\"noopener\">krankenkassen.de<\/a>.<\/p><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f64a7b3 elementor-widget elementor-widget-heading\" data-id=\"f64a7b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ako sa prihl\u00e1si\u0165 do zdravotnej pois\u0165ovne?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a32fdce elementor-widget elementor-widget-text-editor\" data-id=\"a32fdce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Prihl\u00e1senie je jednoduch\u0161ie, ne\u017e sa zd\u00e1. V\u00e4\u010d\u0161inou ho vybav\u00edte priamo pri n\u00e1stupe do pr\u00e1ce.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Postup vyzer\u00e1 takto:<\/p><ol class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-decimal flex flex-col gap-1 pl-8 mb-3\"><li class=\"whitespace-normal break-words pl-2\">Vyberiete si pois\u0165ov\u0148u.<\/li><li class=\"whitespace-normal break-words pl-2\">Jej n\u00e1zov nahl\u00e1site zamestn\u00e1vate\u013eovi.<\/li><li class=\"whitespace-normal break-words pl-2\">Zamestn\u00e1vate\u013e v\u00e1s n\u00e1sledne ofici\u00e1lne prihl\u00e1si.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d3e7d2 elementor-widget elementor-widget-heading\" data-id=\"5d3e7d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">D\u00e1 sa zdravotn\u00e1 pois\u0165ov\u0148a zmeni\u0165?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d91790 elementor-widget elementor-widget-text-editor\" data-id=\"9d91790\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">\u00c1no, pois\u0165ov\u0148u m\u00f4\u017eete zmeni\u0165, ale nie kedyko\u013evek.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Vo v\u00e4\u010d\u0161ine pr\u00edpadov plat\u00ed, \u017ee:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\"><li class=\"whitespace-normal break-words pl-2\">v pois\u0165ovni mus\u00edte by\u0165 minim\u00e1lne <strong>12 mesiacov<\/strong>,<\/li><li class=\"whitespace-normal break-words pl-2\">v\u00fdpovedn\u00e1 lehota s\u00fa <strong>2 mesiace<\/strong>.<\/li><\/ul><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Zmena sa oplat\u00ed napr\u00edklad vtedy, ke\u010f nie ste spokojn\u00fd so slu\u017ebami alebo ste niekde inde na\u0161li lep\u0161ie podmienky.<\/p><blockquote class=\"ml-2 border-l-4 border-border-300\/10 pl-4 text-text-300\"><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>TIP:<\/strong> Presn\u00e9 podmienky pre zmenu pois\u0165ovne zist\u00edte priamo vo svojej pois\u0165ovni alebo v zmluve s \u0148ou.<\/p><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1f0acf elementor-widget elementor-widget-heading\" data-id=\"f1f0acf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A \u010do \u017eivnostn\u00edci zo Slovenska?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad115d7 elementor-widget elementor-widget-text-editor\" data-id=\"ad115d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2503\" data-end=\"2641\">Freistellung nem\u00e1 jednu pevn\u00fa platnos\u0165 pre ka\u017ed\u00e9ho. Finanzamt ho m\u00f4\u017ee vystavi\u0165 na r\u00f4zne obdobia. V praxi sa stret\u00e1vame najm\u00e4 s platnos\u0165ou:<\/p><ul><li data-start=\"2503\" data-end=\"2641\"><strong data-start=\"2644\" data-end=\"2657\">3 mesiace<\/strong>,<\/li><li><strong data-start=\"2663\" data-end=\"2677\">6 mesiacov<\/strong>,<\/li><li><strong data-start=\"2683\" data-end=\"2692\">1 rok<\/strong>,<\/li><li><strong data-start=\"2698\" data-end=\"2708\">3 roky<\/strong>.<\/li><\/ul><p data-start=\"2711\" data-end=\"2853\">Presn\u00fd d\u00e1tum platnosti je v\u017edy uveden\u00fd priamo v dokumente. Pr\u00e1ve preto je ve\u013emi d\u00f4le\u017eit\u00e9 ma\u0165 tento d\u00e1tum pod kontrolou a rie\u0161i\u0165 obnovu vopred.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d25ccd8 elementor-widget elementor-widget-heading\" data-id=\"d25ccd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A \u010do \u017eivnostn\u00edci zo Slovenska?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5b991e elementor-widget elementor-widget-text-editor\" data-id=\"f5b991e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Ak v Nemecku pracujete ako slovensk\u00fd \u017eivnostn\u00edk na projekte, <strong>v\u00e4\u010d\u0161inou si nemeck\u00e9 zdravotn\u00e9 poistenie vybavova\u0165 nemus\u00edte<\/strong>. M\u00f4\u017eete zosta\u0165 poisten\u00fd na Slovensku v\u010faka eur\u00f3pskemu nariadeniu o koordin\u00e1cii soci\u00e1lneho zabezpe\u010denia (\u010d. 883\/2004), ktor\u00e9 rie\u0161i pr\u00e1ve tak\u00e9to cezhrani\u010dn\u00e9 situ\u00e1cie.<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Sl\u00fa\u017ei na to <strong>formul\u00e1r A1<\/strong>, ktor\u00fd vyd\u00e1va Soci\u00e1lna pois\u0165ov\u0148a. Potvrdzuje, \u017ee odvody plat\u00edte doma a v Nemecku ich teda plati\u0165 nemus\u00edte. Aby v\u00e1m ho vystavili, musia by\u0165 splnen\u00e9 najm\u00e4 tieto podmienky:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\"><li class=\"whitespace-normal break-words pl-2\">\u017eivnos\u0165 na Slovensku mus\u00edte ma\u0165 re\u00e1lne funguj\u00facu u\u017e pred odchodom,<\/li><li class=\"whitespace-normal break-words pl-2\">\u010dinnos\u0165 v Nemecku mus\u00ed by\u0165 podobn\u00e1 tej, ktor\u00fa rob\u00edte doma,<\/li><li class=\"whitespace-normal break-words pl-2\">ide o <strong>do\u010dasn\u00e9 vyslanie<\/strong>, \u0161tandardne maxim\u00e1lne na 24 mesiacov,<\/li><li class=\"whitespace-normal break-words pl-2\">aspo\u0148 \u010das\u0165 aktivity v\u00e1m zost\u00e1va aj na Slovensku.<\/li><\/ul><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">K formul\u00e1ru A1 sa hod\u00ed aj <strong>eur\u00f3psky preukaz poistenca (EHIC)<\/strong> \u2014 preuk\u00e1\u017eete sa n\u00edm u nemeck\u00e9ho lek\u00e1ra, ak by ste potrebovali o\u0161etrenie.<\/p><blockquote class=\"ml-2 border-l-4 border-border-300\/10 pl-4 text-text-300\"><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>TIP:<\/strong> O vystavenie formul\u00e1ra A1 si po\u017eiadajte v Soci\u00e1lnej pois\u0165ovni <strong>e\u0161te pred odchodom do Nemecka<\/strong>.<\/p><\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Zdravotn\u00e9 poistenie v Nemecku pre zamestnancov aj \u017eivnostn\u00edkov Ewo . May 4, 2026 Zdravotn\u00e9 poistenie je v Nemecku povinn\u00e9 pre ka\u017ed\u00e9ho, kto v krajine \u017eije alebo je zamestnan\u00fd. V\u00fdber pois\u0165ovne ani prihl\u00e1senie nemusia by\u0165 komplikovan\u00e9, sta\u010d\u00ed vedie\u0165, na \u010do si da\u0165 pozor. Ktor\u00e9 zdravotn\u00e9 pois\u0165ovne s\u00fa najlep\u0161ie? V Nemecku m\u00e1te na v\u00fdber desiatky pois\u0165ovn\u00ed, ale rozdiely medzi nimi nie s\u00fa dramatick\u00e9. To, ktor\u00e1 z nich je \u201enajlep\u0161ia&#8220;, je do ve\u013ekej miery subjekt\u00edvne \u2014 m\u00f4\u017eete to posudzova\u0165 napr\u00edklad pod\u013ea bonusov a v\u00fdhod, ktor\u00e9 v\u00e1m poskytne. Medzi najzn\u00e1mej\u0161ie patria: TK (Techniker Krankenkasse) AOK Barmer DAK V\u0161etky verejn\u00e9 pois\u0165ovne musia poskytova\u0165 rovnak\u00fa z\u00e1kladn\u00fa zdravotn\u00fa starostlivos\u0165. Rozdiel je najm\u00e4 v: doplnkov\u00fdch slu\u017eb\u00e1ch, bonusoch (napr\u00edklad za \u0161port alebo prevenciu), z\u00e1kazn\u00edckej podpore. Ako si vybra\u0165 spr\u00e1vnu zdravotn\u00fa pois\u0165ov\u0148u? \u00a0 Najlep\u0161ia pois\u0165ov\u0148a nie je t\u00e1 s najkraj\u0161\u00edm webom \u2014 je to t\u00e1, ktor\u00e1 v\u00e1m re\u00e1lne u\u013eah\u010d\u00ed \u017eivot. Pri v\u00fdbere si odpovedzte na p\u00e1r jednoduch\u00fdch ot\u00e1zok: Rozumiem ich komunik\u00e1cii? Ak\u00e9 pon\u00fakaj\u00fa bonusy? Ak\u00e9 maj\u00fa doplnkov\u00e9 slu\u017eby? \u013dudia \u010dasto robia chybu, \u017ee si vyber\u00fa pois\u0165ov\u0148u n\u00e1hodne \u2014 napr\u00edklad pod\u013ea kolegu. Len\u017ee ka\u017ed\u00fd je v inej \u017eivotnej situ\u00e1cii a to, \u010do vyhovuje niekomu in\u00e9mu, nemus\u00ed d\u00e1va\u0165 zmysel pre v\u00e1s. TIP: Recenzie a porovnania jednotliv\u00fdch pois\u0165ovn\u00ed si m\u00f4\u017eete pozrie\u0165 napr\u00edklad na str\u00e1nke krankenkassen.de. Ako sa prihl\u00e1si\u0165 do zdravotnej pois\u0165ovne? Prihl\u00e1senie je jednoduch\u0161ie, ne\u017e sa zd\u00e1. V\u00e4\u010d\u0161inou ho vybav\u00edte priamo pri n\u00e1stupe do pr\u00e1ce. Postup vyzer\u00e1 takto: Vyberiete si pois\u0165ov\u0148u. Jej n\u00e1zov nahl\u00e1site zamestn\u00e1vate\u013eovi. Zamestn\u00e1vate\u013e v\u00e1s n\u00e1sledne ofici\u00e1lne prihl\u00e1si. D\u00e1 sa zdravotn\u00e1 pois\u0165ov\u0148a zmeni\u0165? \u00c1no, pois\u0165ov\u0148u m\u00f4\u017eete zmeni\u0165, ale nie kedyko\u013evek. Vo v\u00e4\u010d\u0161ine pr\u00edpadov plat\u00ed, \u017ee: v pois\u0165ovni mus\u00edte by\u0165 minim\u00e1lne 12 mesiacov, v\u00fdpovedn\u00e1 lehota s\u00fa 2 mesiace. Zmena sa oplat\u00ed napr\u00edklad vtedy, ke\u010f nie ste spokojn\u00fd so slu\u017ebami alebo ste niekde inde na\u0161li lep\u0161ie podmienky. TIP: Presn\u00e9 podmienky pre zmenu pois\u0165ovne zist\u00edte priamo vo svojej pois\u0165ovni alebo v zmluve s \u0148ou. A \u010do \u017eivnostn\u00edci zo Slovenska? Freistellung nem\u00e1 jednu pevn\u00fa platnos\u0165 pre ka\u017ed\u00e9ho. Finanzamt ho m\u00f4\u017ee vystavi\u0165 na r\u00f4zne obdobia. V praxi sa stret\u00e1vame najm\u00e4 s platnos\u0165ou: 3 mesiace, 6 mesiacov, 1 rok, 3 roky. Presn\u00fd d\u00e1tum platnosti je v\u017edy uveden\u00fd priamo v dokumente. Pr\u00e1ve preto je ve\u013emi d\u00f4le\u017eit\u00e9 ma\u0165 tento d\u00e1tum pod kontrolou a rie\u0161i\u0165 obnovu vopred. A \u010do \u017eivnostn\u00edci zo Slovenska? Ak v Nemecku pracujete ako slovensk\u00fd \u017eivnostn\u00edk na projekte, v\u00e4\u010d\u0161inou si nemeck\u00e9 zdravotn\u00e9 poistenie vybavova\u0165 nemus\u00edte. M\u00f4\u017eete zosta\u0165 poisten\u00fd na Slovensku v\u010faka eur\u00f3pskemu nariadeniu o koordin\u00e1cii soci\u00e1lneho zabezpe\u010denia (\u010d. 883\/2004), ktor\u00e9 rie\u0161i pr\u00e1ve tak\u00e9to cezhrani\u010dn\u00e9 situ\u00e1cie. Sl\u00fa\u017ei na to formul\u00e1r A1, ktor\u00fd vyd\u00e1va Soci\u00e1lna pois\u0165ov\u0148a. Potvrdzuje, \u017ee odvody plat\u00edte doma a v Nemecku ich teda plati\u0165 nemus\u00edte. Aby v\u00e1m ho vystavili, musia by\u0165 splnen\u00e9 najm\u00e4 tieto podmienky: \u017eivnos\u0165 na Slovensku mus\u00edte ma\u0165 re\u00e1lne funguj\u00facu u\u017e pred odchodom, \u010dinnos\u0165 v Nemecku mus\u00ed by\u0165 podobn\u00e1 tej, ktor\u00fa rob\u00edte doma, ide o do\u010dasn\u00e9 vyslanie, \u0161tandardne maxim\u00e1lne na 24 mesiacov, aspo\u0148 \u010das\u0165 aktivity v\u00e1m zost\u00e1va aj na Slovensku. K formul\u00e1ru A1 sa hod\u00ed aj eur\u00f3psky preukaz poistenca (EHIC) \u2014 preuk\u00e1\u017eete sa n\u00edm u nemeck\u00e9ho lek\u00e1ra, ak by ste potrebovali o\u0161etrenie. TIP: O vystavenie formul\u00e1ra A1 si po\u017eiadajte v Soci\u00e1lnej pois\u0165ovni e\u0161te pred odchodom do Nemecka.<\/p>","protected":false},"author":1,"featured_media":2071,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2034","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/posts\/2034","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/comments?post=2034"}],"version-history":[{"count":4,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/posts\/2034\/revisions"}],"predecessor-version":[{"id":2038,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/posts\/2034\/revisions\/2038"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/media\/2071"}],"wp:attachment":[{"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/media?parent=2034"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/categories?post=2034"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ewo.sk\/cs\/wp-json\/wp\/v2\/tags?post=2034"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}