{"id":31854,"date":"2023-01-15T15:21:39","date_gmt":"2023-01-15T14:21:39","guid":{"rendered":"https:\/\/poistenie.ch\/?p=31854"},"modified":"2023-01-16T22:33:23","modified_gmt":"2023-01-16T21:33:23","slug":"poistenie-pre-zivnostnikov","status":"publish","type":"post","link":"https:\/\/poistenie.ch\/de\/poistenie-pre-zivnostnikov\/","title":{"rendered":"Versicherungen f\u00fcr Selbstst\u00e4ndige"},"content":{"rendered":"

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Poistenie pre \u017eivnostn\u00edkov<\/h1>\n

P.G. | 15.01.2023<\/p>\n

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S\u00favisiace \u010cl\u00e1nky<\/p>\n

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text_font_size=“17px“ text_orientation=“justified“ custom_margin=“|||-110px||“ custom_padding=“||1px|||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ text_orientation_tablet=“justified“ text_orientation_phone=“left“ text_orientation_last_edited=“on|desktop“ global_colors_info=“{}“]<\/p>\n

Pre podnikate\u013eov je pracovn\u00fd a s\u00fakromn\u00fd \u017eivot \u010dasto \u00fazko sp\u00e4t\u00fd. Ako \u017eivnostn\u00edk viete, \u017ee efektivita sa vypl\u00e1ca v ka\u017edej oblasti \u017eivota. To plat\u00ed aj pre poistenie a zabezpe\u010denie \u2013 pre v\u00e1s, va\u0161u rodinu a va\u0161u firmu.<\/strong><\/span><\/p>\n

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Na zabezpe\u010denie optim\u00e1lnej ochrany pre samostatne z\u00e1robkovo \u010dinn\u00e9 osoby sa oplat\u00ed zv\u00e1\u017ei\u0165 poistn\u00fa<\/strong> a d\u00f4chodkov\u00fa<\/strong> situ\u00e1ciu podniku a s\u00fakromn\u00e9ho sektora spolo\u010dne<\/strong>. Ide\u00e1lne rie\u0161enie tak mo\u017eno n\u00e1js\u0165 aj pre \u017eivnostn\u00edkov na rozhran\u00ed s\u00fakromn\u00e9ho \u017eivota a podnikania.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_url=“\/kontakt\/#formular“ url_new_window=“on“ button_text=“NEUST\u00c1LE PON\u00daKAME BEZPLATN\u00c9 KONZULT\u00c1CIE“ button_alignment=“center“ button_alignment_tablet=“left“ button_alignment_phone=“center“ button_alignment_last_edited=“on|phone“ _builder_version=“4.19.4″ _module_preset=“default“ custom_button=“on“ button_text_size=“20px“ button_text_color=“#FFFFFF“ button_bg_color=“#000da0″ button_use_icon=“off“ custom_margin=“|||-16px|false|false“ custom_margin_tablet=“|||-16px|false|false“ custom_margin_phone=“|0px||-110px|false|false“ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“|0px||0px|false|false“ custom_padding_last_edited=“on|phone“ animation_style=“zoom“ animation_intensity_zoom=“5%“ global_colors_info=“{}“ button_bg_color__hover_enabled=“on|hover“ button_bg_use_color_gradient__hover=“off“ button_bg_color__hover=“#000060″ button_bg_enable_color__hover=“on“ transform_translate__hover=“-19px|-19px“][\/et_pb_button][et_pb_text _builder_version=“4.19.4″ _module_preset=“default“ text_font=“Montserrat|600|||||||“ text_text_color=“#000000″ text_font_size=“23px“ text_orientation=“justified“ custom_margin=“||15px|-110px||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ text_font_tablet=“Montserrat|300|||||||“ text_font_phone=“Montserrat|600|||||||“ text_font_last_edited=“on|phone“ text_font_size_tablet=“17px“ text_font_size_phone=“22px“ text_font_size_last_edited=“on|phone“ header_font_size_tablet=““ header_font_size_phone=“35px“ header_font_size_last_edited=“on|phone“ text_orientation_tablet=“justified“ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n

Vst\u00fapte do samostatnej z\u00e1robkovej \u010dinnosti: \u010do treba zv\u00e1\u017ei\u0165?<\/strong><\/p>\n

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Pre podnikate\u013eov sa situ\u00e1cia osobn\u00e9ho rizika<\/strong> sklad\u00e1 z mnoh\u00fdch zlo\u017eiek \u2013 v z\u00e1sade zo v\u0161etk\u00fdch \u010dinnost\u00ed. Je preto nevyhnutn\u00e9 uva\u017eova\u0165 o najlep\u0161om poisten\u00ed<\/strong> a zabezpe\u010den\u00ed pre svoj vlastn\u00fd podnik<\/strong>, zamestnancov<\/strong>, seba<\/strong> a svoju rodinu<\/strong>. Ke\u010f\u017ee ka\u017ed\u00e1 spolo\u010dnos\u0165 funguje inak, tak aj ka\u017ed\u00e9 rie\u0161enie poistenia je individu\u00e1lne<\/strong>. Nasleduj\u00face ot\u00e1zky ilustruj\u00fa, ktor\u00e9 body by mali samostatne z\u00e1robkovo \u010dinn\u00e9 osoby zv\u00e1\u017ei\u0165 v s\u00favislosti s ich poistn\u00fdm kryt\u00edm: <\/span><\/p>\n

\u010co plat\u00ed<\/strong>, ak sa slu\u017eobn\u00e9 auto pou\u017e\u00edva aj s\u00fakromne a stane sa \u00fa\u010dastn\u00edkom nehody?<\/span><\/p>\n

Kto zaplat\u00ed<\/strong>, ak v\u00e1m po\u010das sviatkov ukradn\u00fa pracovn\u00fd notebook? <\/span><\/p>\n

Chcem si ako podnikate\u013e<\/strong> uhradi\u0165 stratu na z\u00e1robku z d\u00f4vodu choroby s\u00e1m alebo sa mi oplat\u00ed uzavrie\u0165 skupinov\u00e9 poistenie denn\u00fdch nemocensk\u00fdch d\u00e1vok, ktor\u00e9 ma osobne chr\u00e1ni aj finan\u010dne? <\/span><\/p>\n

Chcem si s\u00fakromne<\/strong> spori\u0165 na starobu v pilieri 3a alebo je vhodnej\u0161ie rie\u0161enie d\u00f4chodkov\u00e9ho fondu? <\/span><\/p>\n

Je ochrana poskytovan\u00e1<\/strong> d\u00f4chodkov\u00fdm fondom pre rodinu dostato\u010dn\u00e1, alebo s\u00fa e\u0161te medzery vo va\u0161om vlastnom zabezpe\u010den\u00ed?<\/span><\/p>\n

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Vkladov\u00fd pilier 3a pre \u017eivnostn\u00edkov<\/strong><\/p>\n

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S cie\u013eom odstr\u00e1ni\u0165<\/strong> posledn\u00e9 medzery v d\u00f4chodkoch z rie\u0161en\u00ed AHV\/IV a d\u00f4chodkov\u00fdch fondov sa vo v\u00e4\u010d\u0161ine pr\u00edpadov odpor\u00fa\u010da<\/strong> vyu\u017ei\u0165 ochranu v pilieri 3a<\/strong>. \u017divnostn\u00edci tak m\u00f4\u017eu optim\u00e1lne chr\u00e1ni\u0165<\/strong> seba a svojich bl\u00edzkych<\/strong> pred starobou<\/strong>, invaliditou<\/strong> a smr\u0165ou<\/strong>. Osobn\u00e1 d\u00f4chodkov\u00e1 anal\u00fdza ukazuje medzery<\/strong> v starobnom zabezpe\u010den\u00ed. <\/span><\/p>\n

V z\u00e1vislosti od pr\u00edjmu m\u00f4\u017eu samostatne z\u00e1robkov\u00e9 osoby bez 2. piliera u\u0161etri\u0165<\/strong> max. 20% z ro\u010dn\u00e9ho pr\u00edjmu do 35 280 CHF<\/strong> ro\u010dne pre seba a svoje rodiny v pilieri 3a<\/strong>. Zamestnanci s d\u00f4chodkov\u00fdm rie\u0161en\u00edm v 2. piliery m\u00f4\u017eu do 3. piliera odvies\u0165 maxim\u00e1lne 7056 CHF<\/strong> ro\u010dne (od roku 2023<\/strong>), a t\u00fdm zn\u00ed\u017ei\u0165 zdanite\u013en\u00fd pr\u00edjem o uveden\u00e9 sumy a profitova\u0165 z ni\u017e\u0161ieho da\u0148ov\u00e9ho za\u0165a\u017eenia vo \u0160vaj\u010diarsku.\u00a0<\/span><\/p>\n

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Poskytovanie pre samostatne z\u00e1robkovo \u010dinn\u00e9 osoby<\/strong><\/p>\n

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Pokia\u013e ide o d\u00f4chodkov\u00e9 zabezpe\u010denie<\/strong>, pre samostatne z\u00e1robkovo \u010dinn\u00e9 osoby je potrebn\u00e9 zv\u00e1\u017ei\u0165 nieko\u013eko vec\u00ed. Ochrana seba a svojej rodiny<\/strong> pred rizikami zdravotn\u00e9ho<\/strong> postihnutia a smrti<\/strong> m\u00e1 k\u013e\u00fa\u010dov\u00fd<\/strong> v\u00fdznam. Z\u00e1kladom pre \u017eivnostn\u00edkov je ochrana v 1. pilieri<\/strong> s AHV\/IV. Spravidla to v\u0161ak ani z\u010faleka nesta\u010d\u00ed<\/strong> na pokrytie d\u00f4chodkov\u00fdch po\u017eiadaviek.<\/span><\/p>\n

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\u00darazov\u00e9 a invalidn\u00e9 poistenie pre \u017eivnostn\u00edkov<\/strong><\/p>\n

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V z\u00e1ujme zabezpe\u010denia z\u00e1kladnej ochrany v pr\u00edpade pracovnej neschopnosti dobrovo\u013en\u00e9 \u00farazov\u00e9<\/strong> poistenie<\/strong> v s\u00falade s UVG v kombin\u00e1cii s AHV\/IV pokr\u00fdva 90 %<\/strong> pr\u00edjmu samostatne z\u00e1robkovo \u010dinnej osoby pre pr\u00edpad pracovn\u00fdch \u00farazov, nepracovn\u00fdch \u00farazov a choroby z povolania. S UVG pripoisten\u00edm m\u00f4\u017eu \u017eivnostn\u00edci zv\u00fd\u0161i\u0165 krytie<\/strong> dokonca a\u017e na 100 %<\/strong> svojej mzdy. Skupinov\u00e9 denn\u00e9 nemocensk\u00e9 poistenie pre samostatne z\u00e1robkovo \u010dinn\u00e9 osoby m\u00f4\u017ee navy\u0161e zabezpe\u010di\u0165 ochranu v\u00e1s a va\u0161ich zamestnancov<\/strong> v pr\u00edpade straty na z\u00e1robku z d\u00f4vodu choroby<\/strong> v koordin\u00e1cii s invalidn\u00fdm poisten\u00edm.<\/span><\/p>\n

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D\u00f4chodkov\u00fd fond pre \u017eivnostn\u00edkov<\/strong><\/p>\n

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Pre samostatne z\u00e1robkovo \u010dinn\u00e9 osoby sa odpor\u00fa\u010da d\u00f4chodkov\u00e9 rie\u0161enie v 2. pilieri<\/strong>, aby si zabezpe\u010dili svoj d\u00f4chodok<\/strong>. Pred finan\u010dn\u00fdmi rizikami<\/strong> m\u00f4\u017eete ochr\u00e1ni\u0165 seba a svojich bl\u00edzkych<\/strong> aj rie\u0161en\u00edm d\u00f4chodkov\u00e9ho fondu<\/strong>, ak by sa v\u00e1m nie\u010do stalo. \u017divnostn\u00edci so zamestnancami sa m\u00f4\u017eu jednoducho poisti\u0165 cez rie\u0161enie BVG<\/strong> pre svojich zamestnancov alebo ak\u00e9ko\u013evek mana\u017e\u00e9rske poistenie. Samostatne z\u00e1robkovo \u010dinn\u00e9 osoby bez person\u00e1lu sa na druhej strane m\u00f4\u017eu poisti\u0165<\/strong> prostredn\u00edctvom profesijn\u00e9ho zdru\u017eenia alebo v nad\u00e1cii BVG<\/strong> Substitute Facility Foundation. Atrakt\u00edvne rie\u0161enie zdru\u017eenia pon\u00fakame aj pre \u017eivnostn\u00edkov<\/strong>, ktor\u00ed e\u0161te nie s\u00fa \u010dlenmi profesijn\u00e9ho zdru\u017eenia alebo ktor\u00fdch profesijn\u00e9 zdru\u017eenie nepon\u00faka d\u00f4chodkov\u00fd fond.<\/span><\/p>\n

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D\u00f4chodkov\u00e9 poradenstvo pre samostatne z\u00e1robkovo \u010dinn\u00e9 osoby<\/strong><\/p>\n

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V\u0161etky rie\u0161enia z AHV\/IV, d\u00f4chodkov\u00e9ho fondu a piliera 3a<\/strong> s\u00fa da\u0148ovo<\/strong> uznate\u013en\u00e9<\/strong> v pr\u00edjmoch<\/strong>. Najlep\u0161ie rie\u0161enie pre v\u00e1s zist\u00edte s odborn\u00fdm<\/strong> poradcom<\/strong>. To v\u00e1m m\u00f4\u017ee uk\u00e1za\u0165, na \u010do by ste mali venova\u0165 osobitn\u00fa<\/strong> pozornos\u0165<\/strong>, ke\u010f ste samostatne z\u00e1robkovo \u010dinn\u00e1 osoba, kde s\u00fa medzery<\/strong> v zabezpe\u010den\u00ed v\u00e1\u0161ho d\u00f4chodku<\/strong> a ktor\u00e9 rie\u0161enia s\u00fa pre v\u00e1s potrebn\u00e9 a spr\u00e1vne<\/strong>. V\u017edy, samozrejme, berte do \u00favahy va\u0161e osobn\u00e9<\/strong> potreby<\/strong>.<\/span><\/p>\n

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Zdroj: ALIANZ \/ www.alianz.ch<\/span><\/p>\n

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Bei Unternehmern und Unternehmerinnen h\u00e4ngen Berufs- und Privatleben oft eng zusammen. Als Selbstst\u00e4ndigerwerbende wissen Sie, dass sich Effizienz in jedem Lebensbereich auszahlt. Dies gilt auch hinsichtlich Versicherung und Vorsorge \u2013 f\u00fcr Sie selbst, Ihre Familie und Ihren Betrieb.<\/p>","protected":false},"author":1,"featured_media":31856,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"2880","footnotes":""},"categories":[58],"tags":[75,61,76,35,36,62,72,54],"class_list":["post-31854","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-poistenie","tag-alianz","tag-patrik-ganobcik","tag-podnikatel","tag-poistenie","tag-poistenie-vo-svajciarsku","tag-poistenie-ch","tag-praca","tag-pripoistenie"],"_links":{"self":[{"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/posts\/31854","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/comments?post=31854"}],"version-history":[{"count":0,"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/posts\/31854\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/media\/31856"}],"wp:attachment":[{"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/media?parent=31854"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/categories?post=31854"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/tags?post=31854"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}