insurance against illness

 

The unwellness insurance theme is for people who work for a wage, for whom security is provided by financial illness insurance edges in cases of questionable short social events (temporary incapacity to work thanks to illness, injury or quarantine, caring for someone UN agency can be a dearest, pregnancy, maternity or childcare).

Since one Gregorian calendar month 2009, unwellness insurance has been regulated by Law No. 187/2006 Coll. regarding unwellness insurance and its amendments. This Act represents a comprehensive regulation of unwellness insurance, in conjunction with the following:


Persons participating in unwellness insurance (i.e. employees, members of the troopers, safety brigades, and freelance persons),

- entitlements to unwellness insurance edges and additionally the determination of their amounts,

health assessment for unwellness insurance functions,

organization of unwellness insurance,

Sickness insurance procedures

Sickness insurance fees keep regulated by Act No. 589/1992 Coll. on welfare premiums and contributions to the government's employment policy, as amended. The contribution rate for unwellness insurance is 2.1% of the contribution basis as made public by law.

Subscribe to unwellness insurance

Participation in unwellness insurance is obligatory staff} (including members of the troopers and safety brigades) and voluntary for freelance staff.


Mandatory participation in unwellness insurance appears to the employee if the conditions stipulated at intervals the Law on unwellness Insurance unit fulfilled. they are two stipulations, namely:

Performing work on the territory of the Czech Republic3

Minimum united gain (so-called decisive income)

Specific participation rules apply to low-income persons and persons utilised below agreement to complete employment.

Benefits of unwellness insurance four

The following edges unit offered to those insured below unwellness insurance:

The advantage of the illness

maternity claim

Paternity Allowance

attendance allowance

Long-term event allowance

Compensation claim throughout gestation and maternity

Sickness insurance edges unit paid by the District's welfare departments. The portrayed profit application forms ought to be accustomed claim edges.

Disease profit 

An employee or employee is entitled to benefit from the fifteenth amount of your time of his temporary incapacity to work up to most of 380 calendar days from the first day of temporary incapacity for work or quarantine order. throughout the first amount of temporary incapacity for work, the leader pays the employee compensation for his wages; pay compensation.

Demand for the claim to benefit is the participation in unwellness insurance or the number of protection (maximum seven days once the termination of the unwellness insurance). freelance person unit entitled to benefit once three months of insurance.

The unwellness Insurance Act establishes the conditions for claim to edges in special cases (for pensioners, etc.).

Sickness edges (on a calendar day) unit as follows:

60% of the reduced daily assessment base for the first thirty days of temporary incapacity for work or required quarantine,

66% of the reduced daily assessment base from the thirty initial to the sixtieth day of temporary incapacity for work or required quarantine and

72% of the reduced daily assessment base as of the 61st day of temporary incapacity for work or required quarantine

maternity entitlement

For staff, the foremost conditions for the claim to maternity profit unit participation in unwellness insurance at the time of applying for edges or the length of the protection quantity if their unwellness insurance has invalid (maximum 100 and eighty days for pregnant women or seven days in different cases) and participation in insurance against maternity edges. illness for a minimum of two70 calendar days at intervals the past 2 years before the start of the maternity profit support quantity. freelance persons need to fulfill the same conditions as employees, in addition, they need to possess participated in unwellness insurance for a minimum of 100 and eighty days throughout the year preceding the start of the maternity profit support quantity.


A pregnant girl can set the start of maternity claim between the eighth and sixth week before the expected maturity. The claim is getable for twenty-eight weeks for women UN agency give birth to one child and for thirty-seven weeks for mothers UN agency give birth to several children.

The maternity allowance is also transferred to the papa (subject to written consent from the mother) but entirely once six weeks of delivery.

Maternity allowance (on the calendar day) is seventieth of the reduced daily assessment basis

Paternity profit (Parent's Pension once Childbirth)

Paternity edges unit granted to the insured father or protective parent. they are nonheritable a most of seven calendar days and cannot be interrupted and reused later. Payment of paternity edges ought to begin at intervals

half dozen weeks once birth or the date the tutelage begins.

The paternity profit (per calendar day) amounts to the seventieth of the reduced daily assessment base.

Attendance Allowance

An insured employee UN agency is unable to work as a result of she or he taking care of a sick member of the organization or an in some cases a baby below 10 whose institution or school facility is closed is entitled to event allowance.

Self-employed persons are not entitled to event allowance.

The maximum profit duration:

9 calendar days per individual case of care provision;

16 calendar days for single parents caring for a minimum of 1 child below obligatory school age.

The event allowance (per calendar day) amounts to an hour of the reduced daily assessment base.

Long-Term event Allowance

Long-term event allowance is supposed for insured persons providing domestic take care of their relatives or persons living at intervals a similar organization.

The main conditions for the profit claim embrace an important deterioration of the health of the attended person requiring a minimum of seven days medical care and additionally the wish for day-care for a minimum of another thirty days.

An employee providing care ought to ar insured a minimum of ninety days at intervals the four months in real-time preceding the need for care. freelance persons ought to ar insured for a minimum of 3 months in real-time preceding the need for care. A written consent to supply care is required from the attended person.

The following insured person unit entitled to the benefit:

The maximum length of the profit is ninety days.

the significant alternative or the registered partner of the person being cared for; or

the direct relative of the person being cared for or the relation, in-law, in-law, in-law, son-in-law, niece, nephew, aunt or uncle; or

the spouse, the registered partner, or the cohabitant of the person aforesaid on high of with the same residence as a result of the attended person or

the cohabitant of the person being cared for, or another person sharing organization with the person being cared for.

The long-term event allowance (per calendar day) amounts to an hour of the reduced daily assessment base.

Compensatory profit in gestation and Maternity

Compensatory profit in gestation and maternity is provided to pregnant women and mothers of latest born children UN agency unit utilized. It compensates for lost earnings if women unit reassigned to a lower-paid position thanks to gestation or maternity. freelance persons are not entitled to the profit.

Compensatory profit in gestation and maternity is paid to utilize pregnant women for the length of the assignment to a lower-paid position up to the start of the sixth week before the expected maturity. In specific cases, it's aiming to even be paid once the mother has been born.

The amount of the profit is the excellence between the daily assessment base before and once job transfer.

Daily assessment base

The daily assessment base is a calculated pattern of the applicant's average daily earnings over the past twelve months.

For onerous edges the daily assessment base is reduced as follows:

for benefit, event allowance and long-term event allowance ninetieth up to the number of the first reduction limit is taken into thought, an hour from the number on high of the first reduction limit up to the second reduction limit, 30 minutes from the number on high of the second reduction limit up to the third reduction limit, and additionally, the number on high of the third reduction limit is disregarded;

for maternity profit, paternity profit and additionally the antagonistic profit in gestation and maternity 100% up to amount|the amount|the number} of the first reduction limit is taken into account; an hour from the number on high of the first reduction limit up to the second reduction limit; 30 minutes from the number on high of the second reduction limit up to the third reduction limit; and additionally the number on high of the third reduction limit is forgotten.

The reduction limits unit supported the common wage and unit announced once a year as a notification by the Ministry of Labour and Social Affairs at intervals the assortment of Laws.

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