{"id":24115,"date":"2023-07-07T07:13:57","date_gmt":"2023-07-07T06:13:57","guid":{"rendered":"https:\/\/europedia24.com\/heilbrigdistryggingar-i-thyskalandi-fullkomin-leidarvisir\/"},"modified":"2026-07-14T20:28:27","modified_gmt":"2026-07-14T19:28:27","slug":"heilbrigdistryggingar-i-thyskalandi-fullkomin-leidarvisir","status":"publish","type":"post","link":"https:\/\/europedia24.com\/is\/heilbrigdistryggingar-i-thyskalandi-fullkomin-leidarvisir\/","title":{"rendered":"Heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi: Fullkomin lei\u00f0arv\u00edsir"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Vissir\u00f0u a\u00f0 <strong>Heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi<\/strong> Skylda fyrir alla \u00e1 landi \u00feess? En af hverju leggur \u00de\u00fdskaland tryggingar \u00e1 \u00feennan h\u00e1tt?! Heilbrig\u00f0istryggingapakkinn er ekki takmarka\u00f0ur vi\u00f0 \u00dej\u00f3\u00f0verja, heldur inniheldur hann alla sem st\u00edga f\u00e6ti til \u00de\u00fdskalands.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00deess vegna \u00e6ttir \u00fe\u00fa a\u00f0 st\u00edga inn \u00ed heim heilbrig\u00f0istrygginga til a\u00f0 kynna \u00fe\u00e9r kosti og galla hennar, og tegundir opinberra og einkafyrirt\u00e6kja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00de\u00e1 ver\u00f0ur \u00fe\u00fa s\u00e1 sem \u00e1kve\u00f0ur hva\u00f0 hentar \u00fe\u00e9r \u00ed \u00feessum heimi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Svo vertu tilb\u00fainn a\u00f0 ganga me\u00f0 okkur \u00ed fer\u00f0alag um heiminn <strong>Heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi<\/strong> \u00cd gegnum grein okkar um <strong><a href=\"https:\/\/europedia24.com\/\">Europedia 24<\/a> europedia24.com<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fyrst og fremst, leyf\u00f0u m\u00e9r a\u00f0 \u00fatsk\u00fdra fyrir \u00fe\u00e9r&#8230;&#8230;.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Hva\u00f0 er sj\u00fakratrygging \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062a\u0639\u0631\u0641-\u0639\u0644\u064a-\u0643\u0644-\u0645\u0627-\u064a\u062e\u0635-\u0639\u0627\u0644\u0645-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.jpg\" alt=\"L\u00e6r\u00f0u um heim heilbrig\u00f0istrygginga \u00ed \u00de\u00fdskalandi\" class=\"wp-image-1980\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062a\u0639\u0631\u0641-\u0639\u0644\u064a-\u0643\u0644-\u0645\u0627-\u064a\u062e\u0635-\u0639\u0627\u0644\u0645-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.jpg 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062a\u0639\u0631\u0641-\u0639\u0644\u064a-\u0643\u0644-\u0645\u0627-\u064a\u062e\u0635-\u0639\u0627\u0644\u0645-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-300x169.jpg 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062a\u0639\u0631\u0641-\u0639\u0644\u064a-\u0643\u0644-\u0645\u0627-\u064a\u062e\u0635-\u0639\u0627\u0644\u0645-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-768x432.jpg 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062a\u0639\u0631\u0641-\u0639\u0644\u064a-\u0643\u0644-\u0645\u0627-\u064a\u062e\u0635-\u0639\u0627\u0644\u0645-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-390x220.jpg 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062a\u0639\u0631\u0641-\u0639\u0644\u064a-\u0643\u0644-\u0645\u0627-\u064a\u062e\u0635-\u0639\u0627\u0644\u0645-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa ert sj\u00faklingur sem vill f\u00e1 me\u00f0fer\u00f0, er auglj\u00f3st a\u00f0 \u00fe\u00fa munt leita til l\u00e6knis e\u00f0a sj\u00fakrah\u00fass, og ef l\u00e6knissko\u00f0unin er \u00f3d\u00fdr borgar\u00f0u sm\u00e1 upph\u00e6\u00f0, en ef \u00feetta er st\u00f3rt m\u00e1l \u00fearftu a\u00f0 grei\u00f0a miki\u00f0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dev\u00ed hefur \u00de\u00fdskaland s\u00fdnt \u00e1huga \u00e1 a\u00f0 \u00fer\u00f3a heilbrig\u00f0istryggingakerfi og l\u00f6g til a\u00f0 tryggja a\u00f0 allir \u00e1 sv\u00e6\u00f0i \u00feess f\u00e1i heilbrig\u00f0is\u00fej\u00f3nustu, \u00f3h\u00e1\u00f0 st\u00f6\u00f0u \u00feeirra<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Allir \u00ed \u00de\u00fdskalandi eru skyldugir til a\u00f0 grei\u00f0a hluta af launum s\u00ednum m\u00e1na\u00f0arlega, sem fer \u00ed f\u00e9lagssj\u00f3\u00f0inn og \u00feannig tryggir sj\u00fakratryggingin a\u00f0 \u00fe\u00fa f\u00e1ir nau\u00f0synlega l\u00e6knis\u00fej\u00f3nustu hven\u00e6r sem er og vi\u00f0 hva\u00f0a a\u00f0st\u00e6\u00f0ur sem er.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ertu n\u00fana a\u00f0 velta fyrir \u00fe\u00e9r hvernig heilbrig\u00f0istryggingakerfi\u00f0 \u00ed \u00de\u00fdskalandi er og hva\u00f0 \u00feessi l\u00f6g eru? \u00c9g mun svara \u00fe\u00e9r um allt sem er a\u00f0 gerast \u00ed huga \u00fe\u00ednum \u00ed n\u00e6stu l\u00ednum<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Heilbrig\u00f0istryggingal\u00f6g \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Talning <strong>Heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi <\/strong>L\u00f6gbundin skylda, allir \u00ed \u00de\u00fdskalandi ver\u00f0a a\u00f0 hafa einhvers konar heilbrig\u00f0istryggingu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ekki hafa \u00e1hyggjur, \u00de\u00fdskaland tryggir \u00fe\u00e9r heilbrig\u00f0istryggingu, sama hvernig a\u00f0st\u00e6\u00f0ur \u00fe\u00ednar eru. Ef \u00fe\u00fa ert a\u00f0 fer\u00f0ast, \u00fe\u00e1 er til sj\u00fakratrygging fyrir fer\u00f0al\u00f6g, e\u00f0a ef \u00fe\u00fa ert fl\u00f3ttama\u00f0ur, \u00fe\u00e1 er til sj\u00fakratrygging me\u00f0 s\u00e9rst\u00f6kum reglum fyrir fl\u00f3ttamenn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00de\u00f3 a\u00f0 sj\u00fakratryggingar \u00ed \u00de\u00fdskalandi s\u00e9u eitt elsta heilbrig\u00f0iskerfi heims, eru \u00fe\u00e6r eitt \u00fea\u00f0 besta, eins og sj\u00e1 m\u00e1 af ranns\u00f3knum \u00e1 \u00fev\u00ed a\u00f0 h\u00e6kka l\u00edfsl\u00edkur \u00ed \u00de\u00fdskalandi eftir innlei\u00f0ingu \u00feessa kerfis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Heldur\u00f0u, k\u00e6ri lesandi, a\u00f0 \u00fea\u00f0 s\u00e9 m\u00f6gulegt fyrir s\u00f6guna a\u00f0 afnema nafn gamla meginlandsins \u00de\u00fdskalands \u00fe\u00f6kk s\u00e9 sj\u00fakratryggingum?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ef hann hefur allt \u00feetta gott or\u00f0spor, komdu me\u00f0 m\u00e9r til a\u00f0 kynna \u00fe\u00e9r kosti hans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">\u00c1vinningur sj\u00fakratrygginga \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Heilbrig\u00f0is\u00fej\u00f3nusta \u00ed \u00de\u00fdskalandi setur \u00feig \u00ed \u00f6ruggar hendur, \u00fear sem sj\u00fakratryggingar grei\u00f0a allan kostna\u00f0 vi\u00f0 l\u00e6knisme\u00f0fer\u00f0ir og n\u00e1 einnig til margra annarra \u00fej\u00f3nustu, \u00fear \u00e1 me\u00f0al<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Skur\u00f0a\u00f0ger\u00f0<\/li>\n\n\n\n<li>Tannl\u00e6kningar<\/li>\n\n\n\n<li>Afhending lyfja<\/li>\n\n\n\n<li>\u00c1vinningur fyrir \u00f3l\u00e9ttar konur \u00e1 me\u00f0g\u00f6ngu og \u00ed f\u00e6\u00f0ingu<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Lestu einnig &#8211; Kynntu \u00fe\u00e9r <a href=\"https:\/\/europedia24.com\/is\/bestu-netverslunarsidurnar-i-thyskalandi\/\" data-type=\"post\" data-id=\"24101\">Bestu verslunars\u00ed\u00f0urnar \u00ed \u00de\u00fdskalandi<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Hvernig virkar sj\u00fakratrygging \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Starfsmenn og vinnuveitendur leggja fj\u00e1rhagslegt framlag til almannatrygginga, sem s\u00ed\u00f0an flytur \u00fe\u00e1 fj\u00e1rmuni til opinberra tryggingaf\u00e9laga, sem aftur veita heilbrig\u00f0is\u00fej\u00f3nustu \u00ed gegnum sj\u00fakrah\u00fas og l\u00e6kna.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00deeir sem eru me\u00f0 einkatryggingu geta einnig noti\u00f0 g\u00f3\u00f0s af \u00f6llum opinberum heilbrig\u00f0is\u00fej\u00f3nustum auk sumra einkarekinna heilsug\u00e6slust\u00f6\u00f0va.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cd eftirfarandi l\u00ednum munum vi\u00f0 \u00fatsk\u00fdra fyrir \u00fe\u00e9r muninn \u00e1 \u00feessum tveimur tegundum heilbrig\u00f0istrygginga \u00ed \u00de\u00fdskalandi (opinber og einkarekin) til a\u00f0 \u00e1kvar\u00f0a hvor hentar \u00fe\u00e9r best.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Tegundir sj\u00fakratrygginga \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp\" alt=\"Tegundir sj\u00fakratrygginga \u00ed \u00de\u00fdskalandi\" class=\"wp-image-1982\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Heilbrig\u00f0is\u00fej\u00f3nusta \u00ed \u00de\u00fdskalandi b\u00fd\u00f0ur upp \u00e1 l\u00f6gbundnar almennar og einkatryggingar, sem hver um sig hefur \u00e1kve\u00f0na kosti, galla og flokka.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Almenn l\u00f6gbundin trygging (GK) (Gesetzliche Krankenversicherung)<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Almennar tryggingar eru skyldubundnar fyrir alla \u00ed \u00de\u00fdskalandi og r\u00e1\u00f0ast a\u00f0allega af tekjustigi \u00fe\u00ednu og falla undir eftirfarandi flokka:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Starfsma\u00f0urinn \u00fearf a\u00f0 hafa \u00e1rslaun a\u00f0 minnsta kosti 66 og 600 \u00fe\u00fasund evrur.<\/li>\n\n\n\n<li>Ef \u00fe\u00fa ert atvinnulaus e\u00f0a hefur misst vinnuna, ertu enn undir regnhl\u00edf opinberra heilbrig\u00f0istrygginga.<\/li>\n\n\n\n<li>F\u00f3lk me\u00f0 \u00e1kve\u00f0na f\u00f6tlun hefur ekki veri\u00f0 yfirgefi\u00f0 af \u00fe\u00fdska tryggingakerfinu.<\/li>\n\n\n\n<li>Eigendur einkafyrirt\u00e6kja eiga r\u00e9tt \u00e1 almennri tryggingu.<\/li>\n\n\n\n<li>Nemendur eiga einnig hlut \u00ed almennu tryggingunni en a\u00f0eins me\u00f0 \u00fev\u00ed skilyr\u00f0i a\u00f0 \u00feeir s\u00e9u ekki eldri en \u00ferj\u00e1t\u00edu \u00e1ra.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00de\u00fa g\u00e6tir veri\u00f0 a\u00f0 velta fyrir \u00fe\u00e9r hva\u00f0a r\u00e9ttindi \u00feessir h\u00f3par munu f\u00e1 fr\u00e1 heilbrig\u00f0istryggingakerfi \u00de\u00fdskalands. Leyf\u00f0u m\u00e9r a\u00f0 svara spurningu \u00feinni \u00ed n\u00e6stu m\u00e1lsgrein.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">Kostir opinberra heilbrig\u00f0istrygginga \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Allir sem falla undir almenna tryggingu f\u00e1 marga kosti, ekki a\u00f0eins fj\u00e1rhagsleg, komdu me\u00f0 m\u00e9r \u00ed eftirfarandi l\u00ednur til a\u00f0 kynna \u00fe\u00e9r alla kosti almennra trygginga, sem m\u00e1 nefna \u00ed eftirfarandi atri\u00f0um:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00dea\u00f0 kostar \u00feig \u00e1kve\u00f0inn hluta af tekjum \u00fe\u00ednum, og \u00feessi pr\u00f3senta breytist eftir tekjum \u00fe\u00ednum; ef \u00fe\u00fa l\u00e6kkar launin l\u00e6kkar s\u00fa pr\u00f3senta, og ef \u00fe\u00fa missir vinnuna ver\u00f0ur tryggingin \u00fe\u00edn \u00f3keypis.<\/li>\n\n\n\n<li>Besti kosturinn fyrir nemendur, allt sem \u00feeir \u00feurfa a\u00f0 gera er a\u00f0 borga 120 evrur til a\u00f0 f\u00e1 sj\u00fakratryggingu \u00fear til \u00feeir ver\u00f0a 31 \u00e1rs.<\/li>\n\n\n\n<li>Tryggingar n\u00e1 yfir alla fj\u00f6lskylduna \u00fe\u00edna og kallast fj\u00f6lskylduheilbrig\u00f0istrygging.<\/li>\n\n\n\n<li>\u00dea\u00f0 n\u00e6r yfir heilbrig\u00f0iskostna\u00f0 barna \u00feinna allt a\u00f0 23 \u00e1ra aldri.<\/li>\n\n\n\n<li>Ef b\u00f6rnin \u00fe\u00edn eru enn nemendur undir 25 \u00e1ra aldri eiga \u00feau einnig r\u00e9tt \u00e1 almennri sj\u00fakratryggingu.<\/li>\n\n\n\n<li>Ef maki \u00feinn \u00fe\u00e9nar minna en 485 evrur \u00e1 m\u00e1nu\u00f0i.<\/li>\n\n\n\n<li>Au\u00f0velt \u00ed notkun, allt sem \u00fe\u00fa \u00fearft a\u00f0 gera er a\u00f0 s\u00fdna tryggingakorti\u00f0 \u00feitt \u00feegar \u00fe\u00fa heims\u00e6kir l\u00e6kninn.<\/li>\n\n\n\n<li>\u00de\u00fa \u00fearft ekki papp\u00edra \u00e1 me\u00f0an \u00fe\u00fa f\u00e6r\u00f0 heilbrig\u00f0is\u00fej\u00f3nustu e\u00f0a hvernig \u00e1 a\u00f0 s\u00e6kja b\u00e6tur, s\u00fdndu bara tryggingakorti\u00f0 \u00feitt.<\/li>\n\n\n\n<li>Ef \u00fe\u00fa ert me\u00f0 alvarleg heilsufarsvandam\u00e1l \u00fearftu ekki a\u00f0 grei\u00f0a miki\u00f0 \u00ed opinbera sj\u00fakratryggingu \u00ed \u00de\u00fdskalandi, \u00f3l\u00edkt einkatryggingum.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">Gallar opinberra heilbrig\u00f0istrygginga \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">K\u00e6ri lesandi, allt hefur tv\u00e6r hli\u00f0ar, \u00fer\u00e1tt fyrir alla \u00fe\u00e1 kosti sem \u00fatsk\u00fdr\u00f0ir hafa veri\u00f0 \u00ed fyrri m\u00e1lsgrein, \u00fe\u00e1 hafa opinberar tryggingar \u00ed \u00de\u00fdskalandi marga \u00f3kosti, sem eru eftirfarandi:<\/p>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\">\n<li><strong>D\u00fdrt fyrir ungmenni<\/strong>, \u00fev\u00ed meira sem \u00fe\u00fa borgar, og \u00ed \u00feessu tilfelli ver\u00f0ur einkatrygging betri fyrir \u00feig.<\/li>\n\n\n\n<li><strong>\u00d3skir l\u00e6kna um einkatryggingu,<\/strong> Til d\u00e6mis, me\u00f0 opinberri sj\u00fakratryggingu \u00ed \u00de\u00fdskalandi, ver\u00f0ur erfitt a\u00f0 finna s\u00e1lfr\u00e6\u00f0ing sem tekur vi\u00f0 opinberri tryggingu. Flestir l\u00e6knar sam\u00feykkja a\u00f0 skr\u00e1 sig undir tryggingu einkatrygginga til a\u00f0 nj\u00f3ta g\u00f3\u00f0s af henni, s\u00e9rstaklega fj\u00e1rhagslegum.<\/li>\n\n\n\n<li><strong>Langar bi\u00f0stundir eftir t\u00edma hj\u00e1 l\u00e6kninum \u00fe\u00ednum, <\/strong>\u00de\u00f3 a\u00f0 \u00feetta gerist vegna eftirspurnar eftir almennum tryggingum, fylgir \u00feessari eftirspurn \u00feessi \u00f3kostur. <\/li>\n\n\n\n<li><strong>Almenn trygging n\u00e6r ekki yfir muna\u00f0, <\/strong>Almennar tryggingar einbl\u00edna eing\u00f6ngu \u00e1 nau\u00f0synjar og hafa engan \u00e1huga \u00e1 neinum muna\u00f0i, til d\u00e6mis.<strong><\/strong><\/li>\n\n\n\n<li>H\u00fan n\u00e6r ekki yfir tannfyllingar og er \u00e1n\u00e6g\u00f0 me\u00f0 a\u00f0 sko\u00f0a tennurnar og \u00e1kvar\u00f0a breiddina.<\/li>\n\n\n\n<li>\u00dea\u00f0 grei\u00f0ir ekki fyrir tannhreinsun, heldur telur \u00fea\u00f0 \u00f3\u00fearfa l\u00faxus.<\/li>\n\n\n\n<li>\u00dea\u00f0 n\u00e6r sjaldan yfir uppsetningu og greiningu gleraugna sem og linsa.<\/li>\n\n\n\n<li>Ef \u00fe\u00fa ert sj\u00e1lfst\u00e6tt starfandi og flytur til \u00de\u00fdskalands fr\u00e1 landi utan ESB, ver\u00f0ur erfitt fyrir \u00feig a\u00f0 f\u00e1 opinbera heilbrig\u00f0is\u00fej\u00f3nustu \u00ed \u00de\u00fdskalandi, \u00fear sem flestir \u00fatlendingar og sj\u00e1lfst\u00e6tt starfandi leita til einkatrygginga e\u00f0a \u00fatlendingatrygginga.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c1\u00f0ur en \u00fe\u00fa sam\u00feykkir og s\u00e6ttir \u00feig vi\u00f0 opinbera sj\u00fakratryggingu \u00fearftu fyrst a\u00f0 skilja l\u00e6knisfr\u00e6\u00f0ilega grunninn sem h\u00fan n\u00e6r yfir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">Kostna\u00f0ur sem almenn heilbrig\u00f0istrygging grei\u00f0ir<\/mark><\/strong><\/h4>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\">\n<li>\u00dea\u00f0 n\u00e6r yfir allar nau\u00f0synlegar heilbrig\u00f0is\u00fej\u00f3nustur, auk lyfja og l\u00e6knisme\u00f0fer\u00f0a.<\/li>\n\n\n\n<li>A\u00f0 s\u00fdna heilsukorti\u00f0 \u00feitt fyrir pr\u00f3fi\u00f0 s\u00fdnir hvort tryggingin \u00fe\u00edn uppfylli skilyr\u00f0i fyrir \u00feessa me\u00f0fer\u00f0 \u00e1\u00f0ur en \u00fe\u00fa byrjar \u00e1 henni.<\/li>\n\n\n\n<li>Grunntannl\u00e6kningar fella undir kostna\u00f0 opinberra heilbrig\u00f0istrygginga eins og fjarl\u00e6gingu vitlaustanna, og \u00fe\u00fa f\u00e6r\u00f0 tv\u00e6r \u00f3keypis sko\u00f0anir \u00e1 \u00e1ri.<\/li>\n\n\n\n<li>Gleraugu og linsur eru ekki trygg\u00f0ar af opinberri sj\u00fakratryggingu og eru greiddar af opinberri sj\u00fakratryggingu.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Einkatryggingar \u00ed \u00de\u00fdskalandi (PK)<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Einkarekin l\u00e6knis\u00fej\u00f3nusta \u00ed \u00de\u00fdskalandi er ekki miki\u00f0 fr\u00e1brug\u00f0in almennri l\u00e6knis\u00fej\u00f3nustu, en m\u00f6gulegt er a\u00f0 \u00feeir f\u00e1i einhverja vi\u00f0b\u00f3tar tannl\u00e6kna\u00fej\u00f3nustu fr\u00e1 \u00f6\u00f0rum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ge\u00f0l\u00e6kningar, a\u00f0ger\u00f0ir sem krefjast langrar dvalar \u00e1 sj\u00fakrah\u00fasi, \u00fear sem almennar tryggingar grei\u00f0a sjaldan fyrir sj\u00fakrah\u00faskostna\u00f0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hins vegar byggist einkatryggingar \u00e1 \u00feremur \u00fe\u00e1ttum sem \u00fe\u00fa tekur \u00fe\u00e1tt \u00ed.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aldur \u00feinn \u00feegar \u00fe\u00fa gengur \u00ed einkatryggingu getur l\u00edfeyris\u00feeginn ekki gengi\u00f0 \u00ed trygginguna \u00fear sem h\u00fan er meira \u00e6tlu\u00f0 ungu f\u00f3lki me\u00f0 h\u00e1 laun.<\/li>\n\n\n\n<li>\u00de\u00fa ver\u00f0ur a\u00f0 vera vi\u00f0 g\u00f3\u00f0a heilsu og ekki \u00fej\u00e1st af alvarlegum sj\u00fakd\u00f3mum \u00e1\u00f0ur en \u00fe\u00fa skr\u00e1ir \u00feig \u00ed einkatryggingu.<\/li>\n\n\n\n<li>S\u00fa heilbrig\u00f0istrygging sem hentar \u00fe\u00e9r og \u00fe\u00fa munt velja.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00der\u00e1tt fyrir \u00feessar a\u00f0st\u00e6\u00f0ur fylgja einkareknar sj\u00fakratryggingar \u00ed \u00de\u00fdskalandi marga kosti, sem eru eftirfarandi:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">Kostir einkarekinna sj\u00fakratrygginga \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h4>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\">\n<li>B\u00f3ka\u00f0u t\u00edma hj\u00e1 l\u00e6kni hra\u00f0ar en hj\u00e1 almennu tryggingunni.<\/li>\n\n\n\n<li>\u00de\u00fa velur r\u00e9ttu trygginguna fyrir \u00feig sj\u00e1lfur, \u00fe\u00fa getur vali\u00f0 \u00fe\u00e1 tryggingu sem hentar \u00feinni fj\u00e1rhagsst\u00f6\u00f0u, \u00fear sem einkatryggingar n\u00e1 yfir tannl\u00e6kningar, fer\u00f0al\u00f6g, s\u00e9rme\u00f0fer\u00f0ir og kostna\u00f0 vi\u00f0 sj\u00fakrah\u00fas.<\/li>\n\n\n\n<li>Ef \u00fe\u00fa veikist ekki, borgar\u00f0u minna, sem er slagor\u00f0 sumra einkatryggingaf\u00e9laga, ef \u00fe\u00fa notar ekki \u00fe\u00edna eigin tryggingu, \u00fe\u00e1 borgar\u00f0u minna.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u00de\u00f3 \u00e9g s\u00e9 hrifinn af kostum einkatrygginga, \u00fe\u00e1 hafa \u00fe\u00e6r einnig marga galla sem \u00e9g mun \u00fatsk\u00fdra fyrir \u00fe\u00e9r.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">\u00d3kostir einkatrygginga \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h4>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\">\n<li>\u00dev\u00ed meira sem \u00fe\u00fa notar \u00fe\u00edna eigin tryggingu, \u00fev\u00ed meira kostar \u00fe\u00fa, og \u00f6fugt, ef \u00fe\u00fa veikist ekki og fer\u00f0 ekki til l\u00e6knis, borgar\u00f0u minna.<\/li>\n\n\n\n<li>\u00dea\u00f0 tekur miki\u00f0 af papp\u00edrsvinnu, \u00fe\u00fa borgar l\u00e6kninum \u00fe\u00ednum, f\u00e6r\u00f0 reikning, sendir hann til tryggingaf\u00e9lagsins og b\u00ed\u00f0ur eftir endurgrei\u00f0slu.<\/li>\n\n\n\n<li>\u00dea\u00f0 ver\u00f0ur d\u00fdrara eftir \u00fev\u00ed sem \u00fe\u00fa eldist, svo \u00feegar \u00fe\u00fa h\u00e6ttir st\u00f6rfum eru tekjur \u00fe\u00ednar l\u00e6gri en tryggingin h\u00e6rri, en sum tryggingaf\u00e9l\u00f6g halda eftir grei\u00f0slum fr\u00e1 fyrri \u00e1rum til a\u00f0 nota \u00feegar \u00fe\u00fa n\u00e6r\u00f0 eftirlaunaaldri.<\/li>\n\n\n\n<li>H\u00f6fnun ef \u00fe\u00fa \u00fej\u00e1ist af einhverjum af langvinnum e\u00f0a alvarlegum sj\u00fakd\u00f3mum, og sumir taka \u00feig inn en hafna m\u00f6rgum gj\u00f6ldum, en eftir a\u00f0 \u00fe\u00fa ert sam\u00feykktur, ef \u00fe\u00fa veikist, breytist ver\u00f0i\u00f0 ekki.<\/li>\n\n\n\n<li>H\u00e9r er \u00fea\u00f0 sem einkatryggingar n\u00e1 yfir ef \u00fe\u00fa skr\u00e1ir \u00feig.<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-purple-color\">Kostna\u00f0ur sem einkatrygging \u00ed \u00de\u00fdskalandi grei\u00f0ir<\/mark><\/strong><\/h4>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\">\n<li>Full trygging fyrir nau\u00f0synlega heilbrig\u00f0is\u00fej\u00f3nustu eins og \u00ed almennum tryggingum.<\/li>\n\n\n\n<li>Me\u00f0 einkatryggingu hefur\u00f0u meiri stj\u00f3rn \u00e1 heilbrig\u00f0istryggingum, svo sem tannl\u00e6kningum, gleraugum, augna\u00f0ger\u00f0um og \u00f6\u00f0rum hlutum sem almennar tryggingar n\u00e1 ekki yfir.<\/li>\n\n\n\n<li>\u00de\u00fa hefur margar heilsufarsvalkosti \u00ed h\u00f6ndunum \u00fear sem \u00fe\u00fa getur heims\u00f3tt marga l\u00e6kna sem taka ekki vi\u00f0 almennri l\u00e6knistryggingu.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-right\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Samruni opinberra og einkarekinna sj\u00fakratrygginga<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa \u00e1tt ekki r\u00e9tt \u00e1 einkarekinni heilbrig\u00f0is\u00fej\u00f3nustu getur\u00f0u keypt \u00fe\u00e9r einhver fr\u00ed\u00f0indi fr\u00e1 einkatryggingaf\u00e9l\u00f6gum, sem kallast vi\u00f0b\u00f3tartryggingar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cd gegnum hana getur\u00f0u b\u00fai\u00f0 til vi\u00f0b\u00f3tar\u00e1\u00e6tlanir fyrir almennu heilbrig\u00f0istryggingarnar \u00fe\u00ednar, \u00fear sem \u00feessar \u00e1\u00e6tlanir fylla \u00ed g\u00f6tin \u00ed almennu tryggingunni.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Til d\u00e6mis getur\u00f0u \u00fe\u00e1 fengi\u00f0 \u00e1kve\u00f0in fr\u00ed\u00f0indi sem opinberar tryggingar grei\u00f0a ekki fyrir, eins og v\u00ed\u00f0t\u00e6ka tannl\u00e6kna\u00fej\u00f3nustu, sj\u00fakrah\u00fasdv\u00f6l og fulla endurgrei\u00f0slu \u00e1 lyfjum.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Yfirf\u00e6rsla fr\u00e1 einkatryggingum yfir \u00ed opinbera sj\u00fakratryggingu<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dea\u00f0 er ein a\u00f0sta\u00f0a \u00fear sem \u00fe\u00fa getur fari\u00f0 \u00far einkareknum sj\u00fakratryggingum yfir \u00ed opinbera heilbrig\u00f0istryggingu, sem m\u00e1 \u00fatsk\u00fdra \u00e1 eftirfarandi h\u00e1tt:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tekjur \u00fe\u00ednar eru l\u00e1gar, 66.600 evrur, og \u00feetta skilyr\u00f0i gildir ekki fyrir sj\u00e1lfst\u00e6tt starfandi, heldur a\u00f0eins fyrir starfsmenn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E\u00f0a \u00fe\u00fa getur haldi\u00f0 \u00feig \u00ed almennu tryggingunni og greitt m\u00e1na\u00f0arlegar i\u00f0gj\u00f6ld og gerst \u00e1skrifandi a\u00f0 tryggingunni vi\u00f0 hli\u00f0ina \u00e1 henni.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa ert eldri en 55 \u00e1ra og tekjur \u00fe\u00ednar eru undir 66.600 evrum, getur\u00f0u ekki skipt yfir \u00ed almennar tryggingar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vertu tilb\u00fainn n\u00fana, lesandi, til a\u00f0 vita skrefin til a\u00f0 skr\u00e1 \u00feig \u00ed tryggingu til a\u00f0 \u00e1kve\u00f0a hva\u00f0a tryggingu \u00fe\u00fa vilt velja<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Skref til a\u00f0 skr\u00e1 sig \u00ed sj\u00fakratryggingu \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062e\u0637\u0648\u0627\u062a-\u0627\u0644\u062a\u0633\u062c\u064a\u0644-\u0641\u064a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp\" alt=\"Skref til a\u00f0 skr\u00e1 sig \u00ed sj\u00fakratryggingu \u00ed \u00de\u00fdskalandi\" class=\"wp-image-1986\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062e\u0637\u0648\u0627\u062a-\u0627\u0644\u062a\u0633\u062c\u064a\u0644-\u0641\u064a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062e\u0637\u0648\u0627\u062a-\u0627\u0644\u062a\u0633\u062c\u064a\u0644-\u0641\u064a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062e\u0637\u0648\u0627\u062a-\u0627\u0644\u062a\u0633\u062c\u064a\u0644-\u0641\u064a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062e\u0637\u0648\u0627\u062a-\u0627\u0644\u062a\u0633\u062c\u064a\u0644-\u0641\u064a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062e\u0637\u0648\u0627\u062a-\u0627\u0644\u062a\u0633\u062c\u064a\u0644-\u0641\u064a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0627\u0644\u0645\u0627\u0646\u064a\u0627.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Ef \u00fe\u00fa \u00e1kve\u00f0ur a\u00f0 leita til almennra trygginga, <\/strong>Yfirleitt velur vinnuveitandinn r\u00e9tt tryggingaf\u00e9lag og getur l\u00e1ti\u00f0 \u00feig hafa frelsi til a\u00f0 velja f\u00e9lagi\u00f0, \u00ed b\u00e1\u00f0um tilvikum ver\u00f0ur \u00fe\u00fa a\u00f0:<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">F\u00e1\u00f0u tryggingan\u00famer fr\u00e1 sveitarf\u00e9laginu og far\u00f0u til tryggingaf\u00e9lagsins sem hefur veri\u00f0 vali\u00f0 til a\u00f0 skr\u00e1 \u00feig hj\u00e1, og \u00fe\u00fa getur \u00fe\u00e1 fengi\u00f0 tryggingakorti\u00f0 \u00feitt og s\u00fdnt \u00fea\u00f0 heilbrig\u00f0isyfirv\u00f6ldum til a\u00f0 f\u00e1 heilbrig\u00f0is\u00fej\u00f3nustu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u00e6ri lesandi, \u00feetta kort n\u00e6r \u00fat fyrir landam\u00e6ri \u00feess r\u00edkis sem \u00fea\u00f0 var gefi\u00f0 \u00fat fr\u00e1, svo \u00fe\u00fa getur lagt \u00fea\u00f0 fram \u00ed hva\u00f0a \u00fe\u00fdsku r\u00edki sem er til a\u00f0 f\u00e1 heilbrig\u00f0is\u00fej\u00f3nustu, \u00fea\u00f0 stoppar ekki \u00fear, heldur n\u00e6r \u00fea\u00f0 lengra en \u00feak sumra tryggingaf\u00e9laga og n\u00e6r til Evr\u00f3pusambandsins.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00deetta kort gerir \u00fe\u00e9r kleift a\u00f0 f\u00e1 heilbrig\u00f0is\u00fej\u00f3nustu vegna ney\u00f0artilvika \u00ed \u00feessum Evr\u00f3pul\u00f6ndum.<\/p>\n\n\n\n<ol class=\"wp-block-list\" start=\"2\">\n<li><strong>Ef \u00fe\u00fa \u00e1kve\u00f0ur a\u00f0 nota einkatryggingu<\/strong>, svo \u00e1kveddu vali\u00f0 fyrirt\u00e6ki \u00fat fr\u00e1 \u00feeirri \u00fej\u00f3nustu sem \u00fe\u00fa vilt f\u00e1, fylltu \u00fat a\u00f0ildarums\u00f3knina \u00e1 netinu \u00ed gegnum vefs\u00ed\u00f0u fyrirt\u00e6kisins, e\u00f0a far\u00f0u \u00e1 h\u00f6fu\u00f0st\u00f6\u00f0var fyrirt\u00e6kisins og b\u00edddu eftir a\u00f0 tryggingakorti\u00f0 \u00feitt komi.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00fa skaltu finna fyrir \u00f3ttanum \u00ed h\u00f6f\u00f0inu \u00e1 \u00fe\u00e9r var\u00f0andi kostna\u00f0inn vi\u00f0 a\u00f0 skr\u00e1 sig \u00ed heim heilbrig\u00f0istrygginga<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En leyf\u00f0u m\u00e9r a\u00f0 fjarl\u00e6gja \u00feessar \u00f3tta og \u00fatsk\u00fdra fyrir \u00fe\u00e9r<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Kostna\u00f0ur vi\u00f0 sj\u00fakratryggingar \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">8% af m\u00e1na\u00f0arlaunum \u00fe\u00ednum sem starfsma\u00f0ur fyrir heilbrig\u00f0istrygginga\u00fej\u00f3nustu \u00ed \u00de\u00fdskalandi, en hinn helmingurinn er greiddur af vinnuveitanda \u00fe\u00ednum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sum gj\u00f6ld sem \u00fe\u00fa grei\u00f0ir fyrir sj\u00fakratryggingar \u00ed \u00de\u00fdskalandi geta veri\u00f0 b\u00e6tt vi\u00f0 til a\u00f0 tryggja betri um\u00f6nnun \u00ed framt\u00ed\u00f0inni, kalla\u00f0 langt\u00edmaum\u00f6nnun um 3,4%, sem gerir heildarhlutfalli\u00f0 sem greitt er til trygginga \u00far 18% \u00ed 20%. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ef tekjur \u00fe\u00ednar \u00e1 hverju \u00e1ri n\u00e1 58.000 evrum \u00fearftu a\u00f0 grei\u00f0a 470 evrur \u00ed sj\u00fakratryggingu \u00ed \u00de\u00fdskalandi, og \u00feessi upph\u00e6\u00f0 h\u00e6kkar \u00e1r hvert.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">210 evrur \u00e1 m\u00e1nu\u00f0i er \u00fea\u00f0 minnsta sem \u00fe\u00fa getur lagt til sj\u00fakratryggingu \u00ed \u00de\u00fdskalandi, ef \u00fe\u00fa missir vinnuna, e\u00f0a \u00fe\u00fa getur n\u00fdtt \u00fe\u00e9r fj\u00f6lskyldutryggingu fyrir fj\u00f6lskyldume\u00f0limi \u00fe\u00edna \u00f3keypis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hlutastarfandi e\u00f0a hlutastarfandi starfsmenn geta einnig veri\u00f0 trygg\u00f0ir af fj\u00f6lskyldutryggingum.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Tegundir tryggingaf\u00e9laga \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u0634\u0631\u0643\u0627\u062a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp\" alt=\"Tegundir tryggingaf\u00e9laga \u00ed \u00de\u00fdskalandi\" class=\"wp-image-1987\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u0634\u0631\u0643\u0627\u062a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u0634\u0631\u0643\u0627\u062a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u0634\u0631\u0643\u0627\u062a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u0634\u0631\u0643\u0627\u062a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0646\u0648\u0627\u0639-\u0634\u0631\u0643\u0627\u062a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Vi\u00f0 bj\u00f3\u00f0um \u00fe\u00e9r marga valkosti fyrir heilbrig\u00f0is\u00fej\u00f3nustua\u00f0ila og tryggingaf\u00e9l\u00f6g \u00ed \u00de\u00fdskalandi (opinber og einkarekin):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Almenn sj\u00fakratryggingaf\u00e9l\u00f6g:<\/mark><\/strong>\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.krankenkassen-direkt-vergleich.de\/aok-baden-wuerttemberg-vs-techniker-krankenkasse.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">TK \u2013 Techniker Krankenkasse DAK Barmer AOK Baden W\u00fcrttemberg<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.kkh.de\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">KKH \u2013 Kaufm\u00e4nnische Krankenkasse<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\"><strong>Einkarekin heilbrig\u00f0istryggingaf\u00e9l\u00f6g:<\/strong><\/mark>\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/www.allianzcare.com\/de.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Allianz DR-WALTER Mawista AXA DKV<\/a><\/strong><\/li>\n\n\n\n<li><a href=\"https:\/\/www.hansemerkur.de\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HanseMerkur<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Vins\u00e6lustu sj\u00fakratryggingaf\u00e9l\u00f6gin \u00ed \u00de\u00fdskalandi <\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00de\u00f3 a\u00f0 \u00fea\u00f0 s\u00e9u svo m\u00f6rg heilbrig\u00f0istryggingaf\u00e9l\u00f6g \u00ed \u00de\u00fdskalandi af b\u00e1\u00f0um ger\u00f0um, eru tv\u00f6 fyrirt\u00e6ki \u00ed fararbroddi, leyf\u00f0u m\u00e9r a\u00f0 taka \u00feig me\u00f0 \u00ed fer\u00f0alag til a\u00f0 kynnast st\u00e6rstu f\u00e9l\u00f6gum \u00fe\u00ednum \u00ed sj\u00fakd\u00f3mnum, sem eru AOK og DAK.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi AOK<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Getur\u00f0u \u00edmynda\u00f0 \u00fe\u00e9r a\u00f0 130 \u00e1ra fram\u00farskarandi \u00fej\u00f3nusta hafi veri\u00f0 veitt af <a href=\"https:\/\/signupaok.de\/?source=allaboutberlin\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">AOK<\/a> \u00d3\u00fereytandi, sem gerir \u00fea\u00f0 a\u00f0 einu st\u00e6rsta fyrirt\u00e6kinu <strong>Heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi<\/strong>\u00dea\u00f0 hefur einnig marga kosti innan veggja sinna, sem m\u00e1 nefna \u00ed eftirfarandi atri\u00f0um:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi (AOK) n\u00e1 yfir \u00feri\u00f0jung \u00edb\u00faa \u00de\u00fdskalands, um 25 millj\u00f3nir manna.<ul><li>\u00dea\u00f0 er v\u00ed\u00f0a dreift me\u00f0 1200 \u00fatib\u00faum sem tryggja a\u00f0 \u00fe\u00fa f\u00e1ir fram\u00farskarandi \u00fej\u00f3nustu, au\u00f0veldan a\u00f0gang a\u00f0 \u00f6llum l\u00e6knisr\u00e1\u00f0gj\u00f6fum sem \u00fe\u00fa \u00fearft, og \u00fea\u00f0 er einnig sta\u00f0sett \u00e1 st\u00f6\u00f0um \u00fear sem nemendur safnast saman \u00ed h\u00e1sk\u00f3lum til a\u00f0 veita \u00fej\u00f3nustu s\u00edna til fulls.<\/li><\/ul><ul><li>\u00dea\u00f0 hefur s\u00e9rstakt kerfi fyrir nemendur til a\u00f0 veita \u00feeim bestu heilbrig\u00f0is\u00fej\u00f3nustu, auk \u00feess sem \u00fea\u00f0 b\u00fd\u00f0ur upp \u00e1 margar \u00fej\u00f3nustur og fj\u00e1rhagslega \u00fej\u00f3nustu fyrir \u00fe\u00e1 sem geta ekki greitt afborganirnar.<\/li><\/ul><ul><li>\u00dea\u00f0 b\u00fd\u00f0ur \u00fe\u00e9r \u00f3keypis hj\u00e1lparl\u00ednu til a\u00f0 svara \u00f6llum l\u00e6knisfr\u00e6\u00f0ilegum fyrirspurnum 24 klukkustundir \u00e1 s\u00f3larhring, sj\u00f6 daga vikunnar.<\/li><\/ul>\n<ul class=\"wp-block-list\">\n<li>A\u00f0al samstarfsa\u00f0ili \u00feinn \u00ed sj\u00fakd\u00f3mnum, mott\u00f3 hans er a\u00f0 veita fullkomna heilbrig\u00f0is\u00fej\u00f3nustu.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">DAK Heilbrig\u00f0istryggingaf\u00e9lagi\u00f0<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">230 \u00e1ra reynsla setur sj\u00fakratryggingaf\u00e9lagi\u00f0 DAK \u00ed fararbroddi \u00ed kapphlaupi l\u00f6glegra tryggingafyrirt\u00e6kja \u00ed \u00de\u00fdskalandi. \u00dea\u00f0 stoppar ekki \u00fear, \u00fea\u00f0 hefur l\u00edka marga kosti, \u00fear \u00e1 me\u00f0al<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DAK sj\u00fakratrygging n\u00e6r yfir um sex millj\u00f3nir manna og gerir hana a\u00f0 \u00feri\u00f0ja st\u00e6rsta sj\u00fakratryggingaf\u00e9lagi \u00de\u00fdskalands \u00fer\u00e1tt fyrir a\u00f0 vera tilt\u00f6lulega n\u00fdtt mi\u00f0a\u00f0 vi\u00f0 AOK.<\/li>\n\n\n\n<li>\u00dea\u00f0 hefur sett s\u00e9r \u00fea\u00f0 markmi\u00f0 a\u00f0 vernda heilsufarsframt\u00ed\u00f0 trygg\u00f0ra, opna n\u00fd t\u00e6kif\u00e6ri fyrir heilbrig\u00f0is\u00fej\u00f3nustu, svo sem \u00fej\u00f3nustu vi\u00f0 reykingah\u00e6ttingu, og \u00fea\u00f0 er einnig a\u00f0dr\u00e1ttarafl fyrir fj\u00f6lskyldur me\u00f0 s\u00e9rstaka og s\u00e9rt\u00e6ka \u00fej\u00f3nustu fyrir \u00feunga\u00f0ar konur me\u00f0 reglulegar sko\u00f0anir, og einnig fyrir b\u00f6rn.<\/li>\n\n\n\n<li>Tryggingaf\u00e9lagi\u00f0 <a href=\"https:\/\/signupdak.de\/?source=allaboutberlin\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">dak<\/a> \u00d6rl\u00e1t fyrirt\u00e6ki sem fj\u00e1rfesta um 20 millj\u00f6r\u00f0um evra \u00e1 \u00e1ri gr\u00e6\u00f0a um 55 millj\u00f3nir evra \u00e1 dag.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Og h\u00e9r getum vi\u00f0 ekki misst af samanbur\u00f0i \u00e1 AOK og DAK \u00ed heimi sj\u00fakratryggingafyrirt\u00e6kja \u00ed \u00de\u00fdskalandi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Munurinn \u00e1 AOK og DAK<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Komdu me\u00f0 m\u00e9r \u00ed n\u00e6stu l\u00ednur, vi\u00f0 munum fjalla um samanbur\u00f0 \u00e1 \u00feessum tveimur fyrirt\u00e6kjum til a\u00f0 s\u00fdna \u00fe\u00e9r muninn \u00e1 AOK og DAK<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Greinar:<\/mark><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AOK:<\/strong>\u00dea\u00f0 hefur 137 \u00fatib\u00fa auk 319 skrifstofa um allt land.<\/li>\n\n\n\n<li><strong>DAK:<\/strong> H\u00fan er ekki fr\u00e1brug\u00f0in systurhlutum s\u00ednum, \u00fear sem h\u00fan n\u00e6r yfir margar \u00fatib\u00fa og inniheldur margar skrifstofur.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\"><strong>Hj\u00e1lparl\u00edna<\/strong>:<\/mark><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AOK:<\/strong> 24 klukkustunda gjaldfrj\u00e1ls l\u00edna (0800 1059000)<\/li>\n\n\n\n<li><strong>DAK:<\/strong> Allan s\u00f3larhringinn getur\u00f0u n\u00e1\u00f0 \u00ed \u00fej\u00f3nustuver \u00ed gegnum s\u00edman\u00fameri\u00f0 040\/325325555<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Heilbrig\u00f0is\u00fej\u00f3nusta hj\u00e1lparl\u00edna<\/mark><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AOK:<\/strong> A\u00f0 svara l\u00e6knisfyrirspurnum \u00fe\u00ednum \u00f3keypis allan s\u00f3larhringinn \u00e1 05566220800 l\u00ednunni.<\/li>\n\n\n\n<li><strong>DAK:<\/strong> L\u00e6knisr\u00e1\u00f0gj\u00f6f er veitt \u00f3keypis \u00e1 040325325800 l\u00e6knisl\u00ednunni og s\u00e9rst\u00f6k l\u00edna fyrir b\u00f6rn er \u00fathluta\u00f0 040325325843.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">L\u00e6knisa\u00f0sto\u00f0<\/mark><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u00e6\u00f0i AOK og DAK bj\u00f3\u00f0a upp \u00e1 a\u00f0sto\u00f0 til a\u00f0 for\u00f0ast villur \u00ed me\u00f0fer\u00f0inni.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Kvartanir<\/mark><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AOK:<\/strong> \u00d3keypis mi\u00f0l\u00e6g ney\u00f0arl\u00ednubor\u00f0 er \u00ed bo\u00f0i fyrir vi\u00f0skiptavini 08002246465.<\/li>\n\n\n\n<li><strong>DAK:<\/strong> Vi\u00f0skiptavinir geta sent inn till\u00f6gur s\u00ednar e\u00f0a gagnr\u00fdni \u00e1 fyrirt\u00e6ki\u00f0 \u00ed gegnum ey\u00f0ubla\u00f0 \u00e1 vefs\u00ed\u00f0u fyrirt\u00e6kisins.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Hef\u00f0bundin l\u00e6knisfr\u00e6\u00f0i<\/mark><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AOK: <\/strong>Trygg\u00f0i einstaklingurinn getur fengi\u00f0 n\u00e1tt\u00farulegar me\u00f0fer\u00f0ir eins og krabbameinsme\u00f0fer\u00f0 og n\u00e1lastungur, og \u00f3l\u00e9ttar konur geta einnig s\u00f3tt undirb\u00faningsn\u00e1mskei\u00f0 fyrir f\u00e6\u00f0ingu.<\/li>\n\n\n\n<li><strong>DAK:<\/strong> \u00de\u00fa leggur inn 500 evrur \u00e1 \u00e1ri til a\u00f0 f\u00e1 sj\u00fakra\u00fej\u00e1lfun b\u00e6\u00f0i fr\u00e1 l\u00e6knum og heilbrig\u00f0isstarfsf\u00f3lki.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Tennur <\/mark><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AOK:<\/strong> Fyrir 40 evrur \u00e1 \u00e1ri getur\u00f0u fengi\u00f0 fulla og s\u00e9rstaka tannhreinsun, a\u00f0 \u00fev\u00ed gefnu a\u00f0 \u00fe\u00fa s\u00e9rt a\u00f0 minnsta kosti 18 \u00e1ra.<\/li>\n\n\n\n<li><strong>DAK:<\/strong> Tannhreinsun er rukku\u00f0 einu sinni \u00e1 \u00e1ri hj\u00e1 skr\u00e1\u00f0um l\u00e6knum, og ef \u00fe\u00fa velur \u00f3heftan l\u00e6kni grei\u00f0ir DAK 60 evrur \u00e1 \u00e1ri fyrir tannhreinsunina<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Forvarnir gegn brj\u00f3stakrabbameini<\/mark><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AOK:<\/strong> \u00dea\u00f0 b\u00fd\u00f0ur upp \u00e1 s\u00e9rstakt pr\u00f3gramm til snemmgreiningar \u00e1 brj\u00f3stakrabbameini hj\u00e1 k\u00f6rlum og konum, og eggjastokkakrabbameins fyrir konur, fyrir alla sem hafa fj\u00f6lskyldus\u00f6gu um \u00feennan sj\u00fakd\u00f3m, og forriti\u00f0 felur \u00ed s\u00e9r allt sem tengist \u00fev\u00ed a\u00f0 l\u00e6ra a\u00f0fer\u00f0ina vi\u00f0 sj\u00e1lfsgreiningu, a\u00f0fer\u00f0ir til a\u00f0 fyrirbyggja sj\u00fakd\u00f3minn og erf\u00f0agreiningu ef einstaklingur er smitberi sj\u00fakd\u00f3msins.<\/li>\n\n\n\n<li><strong>DAK:<\/strong> \u00dea\u00f0 b\u00fd\u00f0ur upp \u00e1 yfirgripsmiki\u00f0 pr\u00f3gram fyrir snemmgreiningu brj\u00f3sta- og eggjastokkakrabbameins, sk\u00fdringu \u00e1 sj\u00fakd\u00f3ms\u00e1h\u00e6ttu og reglulega r\u00e1\u00f0gj\u00f6f.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">\u00d3d\u00fdrustu sj\u00fakratryggingaf\u00e9l\u00f6gin \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0631\u062e\u0635-\u0634\u0631\u0643\u0627\u062a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp\" alt=\"\u00d3d\u00fdrustu sj\u00fakratryggingaf\u00e9l\u00f6gin \u00ed \u00de\u00fdskalandi\" class=\"wp-image-1990\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0631\u062e\u0635-\u0634\u0631\u0643\u0627\u062a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0631\u062e\u0635-\u0634\u0631\u0643\u0627\u062a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0631\u062e\u0635-\u0634\u0631\u0643\u0627\u062a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0631\u062e\u0635-\u0634\u0631\u0643\u0627\u062a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0623\u0631\u062e\u0635-\u0634\u0631\u0643\u0627\u062a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Opinber tryggingaf\u00e9l\u00f6g eru enn \u00f3d\u00fdrustu sj\u00fakratryggingaf\u00e9l\u00f6gin \u00ed \u00de\u00fdskalandi, \u00fear sem trygg\u00f0ur leggur hluta launa sinna til grunn\u00fej\u00f3nustu almennu trygginganna.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00der\u00e1tt fyrir tilkynningu heilbrig\u00f0isr\u00e1\u00f0herra \u00de\u00fdskalands um a\u00f0 auka framlag sj\u00fakratryggingaf\u00e9laga \u00ed \u00de\u00fdskalandi, mun HKK \u00e1fram vera me\u00f0al \u00f3d\u00fdrustu tryggingaf\u00e9laganna.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d3l\u00edkt einkatryggingaf\u00e9l\u00f6gum falla \u00feau ekki undir \u00feak \u00f3d\u00fdrustu sj\u00fakratryggingaf\u00e9laganna \u00ed \u00de\u00fdskalandi, \u00fe\u00f3 \u00feau bj\u00f3\u00f0i upp \u00e1 trygg\u00f0a \u00fej\u00f3nustu, en \u00feau eru enn d\u00fdr.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Hvernig getur\u00f0u vali\u00f0 \u00e1 milli almennra tryggingaf\u00e9laga?<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ekki hafa \u00e1hyggjur, \u00fe\u00fa hikar ekki vi\u00f0 a\u00f0 velja opinbert tryggingaf\u00e9lag, \u00fear sem l\u00f6gin \u00e1kve\u00f0a ver\u00f0 \u00e1 framlagi og \u00fej\u00f3nustu sem veitt er \u00ed gegnum heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi hj\u00e1 opinberum fyrirt\u00e6kjum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hins vegar eru \u00e1kve\u00f0nir kostir sem sum sj\u00fakratryggingaf\u00e9l\u00f6g \u00ed \u00de\u00fdskalandi, sem tengjast almennu kerfinu, bj\u00f3\u00f0a upp \u00e1, sem m\u00e1 draga saman \u00ed eftirfarandi atri\u00f0um:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00dej\u00f3nusta \u00feeirra vi\u00f0 vi\u00f0skiptavini og h\u00e6fni til a\u00f0 eiga samskipti vi\u00f0 vi\u00f0skiptavini og svara \u00f6llum fyrirspurnum.<\/li>\n\n\n\n<li>Ef \u00fe\u00fa talar ekki \u00fe\u00fdsku og talar ensku, \u00fe\u00e1 \u00fearftu a\u00f0 velja \u00e1 milli My Company <a href=\"https:\/\/feather-insurance.com\/public-health-insurance\/tk?utm_source=allaboutberlin\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Techniker krankenkasse<\/a> og <a href=\"https:\/\/signupbarmer.de\/?utm_source=schengenvisainfo\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Barmer<\/a>.<\/li>\n\n\n\n<li>AOK, Barmer, DAK eru einnig me\u00f0al st\u00e6rstu fyrirt\u00e6kjanna <strong>Heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi<\/strong>, hva\u00f0 var\u00f0ar umfang \u00fej\u00f3nustunnar sem bo\u00f0i\u00f0 er upp \u00e1, getur\u00f0u vali\u00f0 \u00far \u00feeim.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Hvernig getur\u00f0u vali\u00f0 \u00e1 milli einkatryggingafyrirt\u00e6kja \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0643\u064a\u0641-\u064a\u0645\u0643\u0646\u0643-\u0627\u0644\u0627\u062e\u062a\u064a\u0627\u0631-\u0628\u064a\u0646-\u0634\u0631\u0643\u0627\u062a-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u062e\u0627\u0635\u0629-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627?-1024x576.webp\" alt=\"Hvernig getur\u00f0u vali\u00f0 \u00e1 milli einkatryggingafyrirt\u00e6kja \u00ed \u00de\u00fdskalandi?\" class=\"wp-image-1991\" title=\"\"><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\u00de\u00fa g\u00e6tir fundi\u00f0 hik vi\u00f0 a\u00f0 velja einkatryggingaf\u00e9lag, \u00f3l\u00edkt l\u00edkindum opinberra tryggingaf\u00e9laga, og til a\u00f0 komast \u00e1 \u00e1fangasta\u00f0 og \u00e1kvar\u00f0a markmi\u00f0 \u00feitt me\u00f0 \u00fev\u00ed a\u00f0 velja r\u00e9tta sj\u00fakratryggingaf\u00e9lagi\u00f0 \u00ed \u00de\u00fdskalandi fyrir \u00feig, \u00fearftu a\u00f0 leita til tryggingami\u00f0lara.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tryggingami\u00f0larinn hj\u00e1lpar \u00fe\u00e9r \u00e1n endurgjalds me\u00f0 \u00fea\u00f0 a\u00f0 markmi\u00f0i a\u00f0 la\u00f0a a\u00f0 vi\u00f0skiptavini, \u00fear sem launamarkmi\u00f0 hans er a\u00f0 a\u00f0sto\u00f0a vi\u00f0skiptavini og v\u00edsa \u00feeim \u00e1 tryggingaf\u00e9lag sem hentar \u00fe\u00f6rfum \u00feeirra. Me\u00f0 \u00fev\u00ed a\u00f0 sk\u00fdra ver\u00f0 fyrirt\u00e6kjanna, \u00fej\u00f3nustuna sem \u00feau bj\u00f3\u00f0a og \u00f6nnur atri\u00f0i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dea\u00f0 er vert a\u00f0 nefna a\u00f0 \u00fe\u00fa getur bori\u00f0 saman ver\u00f0 einkatryggingafyrirt\u00e6kja \u00ed gegnum <a href=\"https:\/\/www.tarifcheck.de\/private-krankenversicherung\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Tarifcheck<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Eitt mikilv\u00e6gasta tryggingami\u00f0larafyrirt\u00e6ki\u00f0<\/mark><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.ottonova.de\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Ottonova<\/a><\/li>\n\n\n\n<li>Feather<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Kostna\u00f0ur vi\u00f0 s\u00e1lfr\u00e6\u00f0ime\u00f0fer\u00f0 \u00ed sj\u00fakratryggingum \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Almennar tryggingar:<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"> \u00de\u00fa getur vali\u00f0 \u00far s\u00e1lfr\u00e6\u00f0ime\u00f0fer\u00f0ara\u00f0ilum sem almennu tryggingin \u00fe\u00edn hefur sam\u00feykkt, en \u00fe\u00fa \u00fearft a\u00f0 skrifa greininguna \u00fe\u00edna og senda hana til sj\u00fakratryggingaf\u00e9lagsins \u00ed \u00de\u00fdskalandi, til umfj\u00f6llunar me\u00f0 \u00fev\u00ed a\u00f0 hafna e\u00f0a sam\u00feykkja me\u00f0fer\u00f0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Einkatryggingar:<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"> Ge\u00f0l\u00e6kningame\u00f0fer\u00f0in \u00fe\u00edn er a\u00f0 fullu greidd af tryggingum, \u00fear sem \u00fe\u00fa getur vali\u00f0 hva\u00f0a l\u00e6kni sem hentar \u00fe\u00e9r, sent reikninginn til tryggingaf\u00e9lagsins og peningarnir ver\u00f0a endurgreiddir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Lyfjaheilbrig\u00f0istrygging<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062a\u063a\u0637\u064a\u0629-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0623\u062f\u0648\u064a\u0629-1024x576.webp\" alt=\"Lyfjaheilbrig\u00f0istrygging\" class=\"wp-image-1992\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062a\u063a\u0637\u064a\u0629-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0623\u062f\u0648\u064a\u0629-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062a\u063a\u0637\u064a\u0629-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0623\u062f\u0648\u064a\u0629-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062a\u063a\u0637\u064a\u0629-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0623\u062f\u0648\u064a\u0629-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062a\u063a\u0637\u064a\u0629-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0623\u062f\u0648\u064a\u0629-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u062a\u063a\u0637\u064a\u0629-\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0623\u062f\u0648\u064a\u0629.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Fyrst og fremst leyf\u00f0u m\u00e9r a\u00f0 gefa \u00fe\u00e9r eina mikilv\u00e6gustu vefs\u00ed\u00f0u sem gerir \u00fe\u00e9r kleift a\u00f0 finna n\u00e6sta ap\u00f3tek h\u00e9\u00f0an. Var\u00f0andi tryggingavernd lyfja eru \u00fe\u00e6r eftirfarandi:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\"><strong>Almennar tryggingar<\/strong>:<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dea\u00f0 n\u00e6r a\u00f0eins yfir \u00f6ll lyf sem l\u00e6knirinn \u00e1v\u00edsar, og \u00feessi lyfse\u00f0ill gefur rau\u00f0an lit, og nafnver\u00f0 upph\u00e6\u00f0 er trygg\u00f0 me\u00f0 hverri \u00e1v\u00edsun af \u00feessum lit allt a\u00f0 10 evrur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa n\u00e6r\u00f0 l\u00e1gmarki 2% af \u00e1rlegum tekjum \u00fe\u00ednum af rau\u00f0um lyfse\u00f0li, s\u00e9rstaklega fyrir \u00fe\u00e1 sem eru me\u00f0 langvinna sj\u00fakd\u00f3ma sem krefjast reglulegrar lyfjaafhendingar, mun r\u00edki\u00f0 undan\u00fe\u00e1ga \u00feig fr\u00e1 \u00f6llum aukakostna\u00f0i \u00fear til \u00e1rslok.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00de\u00fa getur sent grei\u00f0slukvittanir og tekjustefnu til tryggingaf\u00e9lagsins til a\u00f0 gefa \u00fat undan\u00fe\u00e1gu sem gildir til \u00e1rsloka til a\u00f0 s\u00fdna hven\u00e6r \u00fe\u00fa kaupir lyf.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lyfse\u00f0ill \u00ed gr\u00e6nu er greiddur af \u00fe\u00ednum eigin eiganda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\"><strong>Einkatryggingar<\/strong>:<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"> \u00de\u00fa borgar fyrir lyfin sj\u00e1lfur og sendir svo kvittunina til tryggingaf\u00e9lagsins til a\u00f0 grei\u00f0a hana.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Kvartanir um sj\u00fakratryggingar \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Var\u00f0andi almennar tryggingar, ef \u00fe\u00fa \u00e1tt \u00ed vandr\u00e6\u00f0um me\u00f0 tryggingaf\u00e9lagi\u00f0 \u00feitt, getur\u00f0u hringt og be\u00f0i\u00f0 um hj\u00e1lp fr\u00e1 <a href=\"https:\/\/www.krankenkassen.de\/gesetzliche-krankenkassen\/beschwerde\/aufsichtsbehoerden\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Alr\u00edkistryggingastofnunin<\/a> E\u00f0a f\u00e9lagsm\u00e1lar\u00e1\u00f0uneyti\u00f0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Var\u00f0andi einkatryggingar, ef a\u00f0ild \u00fe\u00edn er hafna\u00f0 e\u00f0a tryggingaf\u00e9lagi\u00f0 neitar a\u00f0 grei\u00f0a fyrir l\u00e6knisheims\u00f3kn e\u00f0a lyfse\u00f0il, getur\u00f0u gripi\u00f0 til \u00feess a\u00f0 <a href=\"https:\/\/www.patientenberatung.de\/de\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Sj\u00e1lfst\u00e6\u00f0 r\u00e1\u00f0gjafami\u00f0st\u00f6\u00f0 sj\u00faklinga<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ekki hafa \u00e1hyggjur, \u00fea\u00f0 er algj\u00f6rlega \u00f3keypis a\u00f0 leggja fram kv\u00f6rtun gegn sj\u00fakratryggingaf\u00e9l\u00f6gum \u00ed \u00de\u00fdskalandi og starfsf\u00f3lki\u00f0 talar mismunandi tungum\u00e1l.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Heilbrig\u00f0istryggingar fyrir fl\u00f3ttamenn \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0627\u062c\u0626\u064a\u0646-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp\" alt=\"Heilbrig\u00f0istryggingar fyrir fl\u00f3ttamenn \u00ed \u00de\u00fdskalandi\" class=\"wp-image-1993\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0627\u062c\u0626\u064a\u0646-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0627\u062c\u0626\u064a\u0646-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0627\u062c\u0626\u064a\u0646-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0627\u062c\u0626\u064a\u0646-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0627\u062c\u0626\u064a\u0646-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\u00de\u00f3 a\u00f0 heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi s\u00e9u skyldubundnar fyrir alla \u00e1 sv\u00e6\u00f0inu, fara heilbrig\u00f0istryggingar fyrir fl\u00f3ttamenn \u00ed \u00de\u00fdskalandi a\u00f0rar lei\u00f0ir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fl\u00f3ttamenn \u00e1 \u00fe\u00fdskri grundu eiga ekki r\u00e9tt \u00e1 inng\u00f6ngu samkv\u00e6mt \u00feaki heilbrig\u00f0istrygginga \u00ed \u00de\u00fdskalandi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En hvernig studdi \u00de\u00fdskaland \u00e1\u00e6tlanir s\u00ednar um a\u00f0 innlei\u00f0a fl\u00f3ttamannaheilbrig\u00f0istryggingakerfi \u00ed \u00de\u00fdskalandi? \u00deetta er \u00fea\u00f0 sem vi\u00f0 munum vita \u00ed gegnum eftirfarandi l\u00ednur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Hvernig fl\u00f3ttamenn f\u00e1 sj\u00fakratryggingu \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sem fl\u00f3ttama\u00f0ur, \u00feegar \u00fe\u00fa st\u00edgur f\u00e6ti til \u00de\u00fdskalands, \u00fearftu a\u00f0 gangast undir margar l\u00e6knissko\u00f0anir og stundum bi\u00f0ja l\u00e6knar um fleiri pr\u00f3fanir til a\u00f0 athuga heilsu \u00fe\u00edna. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hins vegar voru fl\u00f3ttamennirnir \u00e1 \u00fe\u00fdskri grundu flokka\u00f0ir \u00ed flokka, hver flokkur haf\u00f0i s\u00e9rstaka st\u00f6\u00f0u \u00fear sem hann var h\u00e1\u00f0ur vi\u00f0eigandi sj\u00fakratryggingu \u00ed \u00de\u00fdskalandi, og \u00feetta m\u00e1 \u00fatsk\u00fdra me\u00f0 eftirfarandi atri\u00f0um:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ef \u00fe\u00fa hefur veri\u00f0 fl\u00f3ttama\u00f0ur \u00ed \u00de\u00fdskalandi \u00ed minna en 15 m\u00e1nu\u00f0i og h\u00e6lisskj\u00f6l \u00fe\u00edn eru enn til sko\u00f0unar, \u00e1tt \u00fe\u00fa a\u00f0eins r\u00e9tt \u00e1 l\u00e6knis\u00fej\u00f3nustu vegna br\u00e1\u00f0ra og ney\u00f0arsj\u00fakd\u00f3ma \u00e1n langvinnra sj\u00fakd\u00f3ma.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sem fl\u00f3ttama\u00f0ur \u00fearftu \u00fe\u00e1 a\u00f0 s\u00e6kja um &#8222;me\u00f0fer\u00f0arvottor\u00f0&#8220; hj\u00e1 F\u00e9lagsm\u00e1lastofnuninni, ums\u00f3kn \u00fe\u00edn ver\u00f0ur tekin til sko\u00f0unar, og eftir sam\u00feykki f\u00e6r\u00f0u me\u00f0fer\u00f0arvottor\u00f0 me\u00f0 gildist\u00edma \u00ed \u00ferj\u00e1 m\u00e1nu\u00f0i, sem gerir \u00fe\u00e9r kleift a\u00f0 f\u00e1 l\u00e6knis\u00fej\u00f3nustu og afhenda lyf sem ver\u00f0a greidd af almannatryggingum.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ef \u00fe\u00fa hefur veri\u00f0 fl\u00f3ttama\u00f0ur sem hefur b\u00fai\u00f0 \u00ed \u00de\u00fdskalandi \u00ed meira en 15 m\u00e1nu\u00f0i og ert enn a\u00f0 b\u00ed\u00f0a eftir h\u00e6lisums\u00f3kn, getur \u00fe\u00fa fengi\u00f0 l\u00f6glega sj\u00fakratryggingu, fengi\u00f0 heilbrig\u00f0iskort og \u00e1tt r\u00e9tt \u00e1 allri l\u00e6knis\u00fej\u00f3nustu eins og hver annar \u00fe\u00fdskur r\u00edkisborgari e\u00f0a \u00edb\u00fai \u00de\u00fdskalands.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">K\u00e6ri lesandi, eftir a\u00f0 hafa sk\u00fdrt st\u00f6\u00f0una <strong>Heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi<\/strong> Af fl\u00f3ttam\u00f6nnum \u00e1 \u00feeirra landi \u00e6ttir \u00fe\u00fa a\u00f0 hafa athygli \u00e1 tvennu:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fyrst<\/strong>L\u00f6gbundin eftirlit me\u00f0 sj\u00fakratryggingum \u00fe\u00fd\u00f0ir ekki a\u00f0 fl\u00f3ttamenn s\u00e9u formlega me\u00f0limir sj\u00fakratrygginga \u00ed \u00de\u00fdskalandi, heldur eru \u00feeir a\u00f0eins undir eftirliti og almannatryggingar grei\u00f0a gj\u00f6ld sj\u00fakratryggingaf\u00e9lagsins.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00cd \u00f6\u00f0ru lagi<\/strong>\u00cd \u00feessu tilviki \u00fearf tryggingaf\u00e9lagi\u00f0 ekki a\u00f0 grei\u00f0a fyrir sumt eins og uppsetningu gleraugna, linsur og kaup \u00e1 lyfjum, nema fyrir b\u00f6rn, og ef meira en 94 evrur eru greiddar \u00e1rlega til barnsins eru kvittanir afhentar tryggingaf\u00e9laginu, sem aftur grei\u00f0ir kostna\u00f0 allra lyfja til \u00e1rsloka.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Hver f\u00e6r fl\u00f3ttamannaheilbrig\u00f0istryggingu \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa ert p\u00f3lit\u00edskur fl\u00f3ttama\u00f0ur, fl\u00f3ttama\u00f0ur undir vernd gegn brottv\u00edsun, mann\u00fa\u00f0ar- e\u00f0a tr\u00faarlegur fl\u00f3ttama\u00f0ur og skj\u00f6lin \u00fe\u00edn hafa veri\u00f0 yfirfarin og sam\u00feykkt, veitir \u00de\u00fdskaland \u00fe\u00e9r s\u00f6mu r\u00e9ttindi til heilbrig\u00f0is\u00fej\u00f3nustu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa ert \u00e1 atvinnuleit og f\u00e6r\u00f0 atvinnuleysisb\u00e6tur, grei\u00f0ir Arbetsf\u00f6rmedlingen sj\u00fakratrygginguna \u00fe\u00edna.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa getur fengi\u00f0 vinnu sem gefur \u00fe\u00e9r meira en 450 evrur \u00e1 m\u00e1nu\u00f0i, getur\u00f0u fengi\u00f0 sj\u00fakratryggingu \u00ed gegnum vinnuveitanda \u00feinn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Kostna\u00f0ur vi\u00f0 sj\u00fakratryggingar fyrir fl\u00f3ttamenn \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Eins og \u00e9g nefndi fyrir ykkur \u00ed fyrri l\u00ednum um \u00fer\u00f3un kerfis sem er tileinka\u00f0 sj\u00fakratryggingum fyrir fl\u00f3ttamenn, og eftir a\u00f0 hafa tali\u00f0 upp flokka fl\u00f3ttamanna sem f\u00e1 heilbrig\u00f0istryggingu \u00ed \u00de\u00fdskalandi, skulum vi\u00f0 kynnast Fl\u00f3ttamannaheilbrig\u00f0istryggingal\u00f6gunum \u00ed \u00de\u00fdskalandi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u00e6knis\u00fej\u00f3nusta fyrir fl\u00f3ttamenn er kve\u00f0in \u00e1 um l\u00f6g um h\u00e6lisleitendur til a\u00f0 m\u00e6ta \u00f6llum l\u00e6knis\u00fe\u00f6rfum \u00feeirra, og \u00feessi l\u00f6g n\u00e1 til margra heilbrig\u00f0is\u00fej\u00f3nusta, \u00fear \u00e1 me\u00f0al eftirfarandi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u00e6knissko\u00f0un \u00e1 sj\u00fakd\u00f3mum, \u00fe\u00fa getur einnig fengi\u00f0 tannl\u00e6kname\u00f0fer\u00f0.<\/li>\n\n\n\n<li>\u00de\u00fa getur einnig fengi\u00f0 heimal\u00e6knis\u00fej\u00f3nustu og heimahj\u00fakrun.<\/li>\n\n\n\n<li>Snemmgreining sj\u00fakd\u00f3ma og fyrirbyggjandi b\u00f3lusetningar.<\/li>\n\n\n\n<li>L\u00e6knisme\u00f0fer\u00f0 vi\u00f0 alvarlegum sj\u00fakd\u00f3mum.<\/li>\n\n\n\n<li>Greiddu kostna\u00f0 vi\u00f0 sum lyf.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00der\u00e1tt fyrir \u00feessi l\u00f6g er fl\u00f3ttama\u00f0urinn stundum skuldbundinn til a\u00f0 bera fj\u00e1rhagslegan kostna\u00f0, svo sem eftirfarandi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00deungunarpr\u00f3f eru greidd af fl\u00f3ttamanninum.<\/li>\n\n\n\n<li>Kostna\u00f0ur vi\u00f0 sum lyf er 10 evrur fyrir hvert lyf.<\/li>\n\n\n\n<li>Ef sj\u00fakrah\u00fasdv\u00f6l er nau\u00f0synleg ver\u00f0ur kostna\u00f0ur vi\u00f0 gistingu greiddur.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">\u00de\u00fdsk r\u00edki sem veita fl\u00f3ttam\u00f6nnum sj\u00fakratryggingakort<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a-\u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a\u0629-\u0627\u0644\u062a\u064a-\u062a\u0645\u0646\u062d-\u0627\u0644\u0644\u0627\u062c\u0626\u064a\u0646-\u0628\u0637\u0627\u0642\u0627\u062a-\u062a\u0623\u0645\u064a\u0646-\u0635\u062d\u064a-1024x576.webp\" alt=\"\u00de\u00fdsk r\u00edki sem veita fl\u00f3ttam\u00f6nnum sj\u00fakratryggingakort\" class=\"wp-image-1995\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a-\u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a\u0629-\u0627\u0644\u062a\u064a-\u062a\u0645\u0646\u062d-\u0627\u0644\u0644\u0627\u062c\u0626\u064a\u0646-\u0628\u0637\u0627\u0642\u0627\u062a-\u062a\u0623\u0645\u064a\u0646-\u0635\u062d\u064a-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a-\u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a\u0629-\u0627\u0644\u062a\u064a-\u062a\u0645\u0646\u062d-\u0627\u0644\u0644\u0627\u062c\u0626\u064a\u0646-\u0628\u0637\u0627\u0642\u0627\u062a-\u062a\u0623\u0645\u064a\u0646-\u0635\u062d\u064a-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a-\u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a\u0629-\u0627\u0644\u062a\u064a-\u062a\u0645\u0646\u062d-\u0627\u0644\u0644\u0627\u062c\u0626\u064a\u0646-\u0628\u0637\u0627\u0642\u0627\u062a-\u062a\u0623\u0645\u064a\u0646-\u0635\u062d\u064a-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a-\u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a\u0629-\u0627\u0644\u062a\u064a-\u062a\u0645\u0646\u062d-\u0627\u0644\u0644\u0627\u062c\u0626\u064a\u0646-\u0628\u0637\u0627\u0642\u0627\u062a-\u062a\u0623\u0645\u064a\u0646-\u0635\u062d\u064a-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a-\u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a\u0629-\u0627\u0644\u062a\u064a-\u062a\u0645\u0646\u062d-\u0627\u0644\u0644\u0627\u062c\u0626\u064a\u0646-\u0628\u0637\u0627\u0642\u0627\u062a-\u062a\u0623\u0645\u064a\u0646-\u0635\u062d\u064a.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\u00de\u00fa g\u00e6tir hugsa\u00f0 um \u00ferj\u00f3sku \u00de\u00fdskalands gagnvart fl\u00f3ttam\u00f6nnum me\u00f0 \u00fev\u00ed a\u00f0 krefjast l\u00e6knisvotta til a\u00f0 f\u00e1 heilbrig\u00f0is\u00fej\u00f3nustu, en vegna margra papp\u00edra og fyrirfram sam\u00feykktra hafa nokkur \u00fe\u00fdsk r\u00edki gefi\u00f0 \u00fat heilsukort fyrir h\u00e6lisleitendur, sem allir fl\u00f3ttamenn geta fengi\u00f0 heilbrig\u00f0is\u00fej\u00f3nustu \u00e1n \u00feess a\u00f0 b\u00ed\u00f0a eftir sam\u00feykki yfirvalda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Me\u00f0al \u00feessara r\u00edkja sem veita fl\u00f3ttam\u00f6nnum heilbrig\u00f0iskort eru eftirfarandi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Berl\u00edn<\/li>\n\n\n\n<li>Brandenburg Brandenburg<\/li>\n\n\n\n<li>Bremen Bremen<\/li>\n\n\n\n<li>Hamborg<\/li>\n\n\n\n<li>Schleswig-Holstein Schleswig-Holstein<\/li>\n\n\n\n<li>\u00de\u00fdring\u00eda \u00de\u00fdring\u00eda<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dea\u00f0 eru nokkur r\u00edki \u00fear sem \u00feetta spil hefur veri\u00f0 hafna\u00f0, \u00fear \u00e1 me\u00f0al:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u00e6jaraland<\/li>\n\n\n\n<li>Baden<\/li>\n\n\n\n<li>Hessen<\/li>\n\n\n\n<li>Saxland<\/li>\n\n\n\n<li>Saarland<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Kostna\u00f0ur vi\u00f0 s\u00e1lfr\u00e6\u00f0ime\u00f0fer\u00f0 fyrir fl\u00f3ttamenn \u00ed \u00de\u00fdskalandi <\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00deetta er einn af \u00feeim \u00f3hagst\u00e6\u00f0ustu \u00fe\u00e1ttum sj\u00fakratrygginga fyrir fl\u00f3ttamenn \u00ed \u00de\u00fdskalandi, \u00fear sem \u00feeir eiga ekki r\u00e9tt \u00e1 s\u00e1lfr\u00e6\u00f0ilegri sko\u00f0un, jafnvel \u00fe\u00f3tt 15 m\u00e1na\u00f0a t\u00edmabili\u00f0 s\u00e9 li\u00f0i\u00f0, jafnvel eftir a\u00f0 hafa fengi\u00f0 heilbrig\u00f0iskort, en ef sanna\u00f0 er a\u00f0 fl\u00f3ttama\u00f0urinn s\u00e9 me\u00f0 alvarlegt heilsufarsvandam\u00e1l getur hann e\u00f0a h\u00fan fari\u00f0 \u00ed me\u00f0fer\u00f0.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En ekki hafa \u00e1hyggjur, \u00fea\u00f0 eru margar mi\u00f0st\u00f6\u00f0var \u00ed \u00de\u00fdskalandi sem s\u00e9rh\u00e6fa sig \u00ed s\u00e1lfr\u00e6\u00f0ir\u00e1\u00f0gj\u00f6f, \u00fear sem fl\u00f3ttama\u00f0urinn getur fengi\u00f0 s\u00e1lfr\u00e6\u00f0ilega a\u00f0sto\u00f0.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Fer\u00f0aheilbrig\u00f0istrygging<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0633\u0641\u0631-1024x576.webp\" alt=\"Fer\u00f0aheilbrig\u00f0istrygging\" class=\"wp-image-1996\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0633\u0641\u0631-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0633\u0641\u0631-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0633\u0641\u0631-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0633\u0641\u0631-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0633\u0641\u0631.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Ef \u00fe\u00fa \u00e6tlar a\u00f0 heims\u00e6kja \u00de\u00fdskaland getur\u00f0u keypt Schengen vegabr\u00e9fs\u00e1ritun fer\u00f0atryggingu \u00e1 netinu, e\u00f0a sendir\u00e1\u00f0i\u00f0 getur v\u00edsa\u00f0 \u00fe\u00e9r \u00e1 eitt af sj\u00fakratryggingaf\u00e9l\u00f6gunum \u00ed \u00de\u00fdskalandi til a\u00f0 kaupa sj\u00fakratryggingu \u00e1\u00f0ur en \u00fe\u00fa st\u00edgur f\u00e6ti inn \u00e1 \u00fe\u00fdskt sv\u00e6\u00f0i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00de\u00fa getur \u00fe\u00e1 fengi\u00f0 ney\u00f0arl\u00e6knishj\u00e1lp og fer\u00f0atrygging er takm\u00f6rku\u00f0 vi\u00f0 br\u00e1\u00f0al\u00e6knishj\u00e1lp sem \u00fe\u00fa g\u00e6tir fengi\u00f0 me\u00f0an \u00fe\u00fa ert \u00ed \u00de\u00fdskalandi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fer\u00f0atrygging tryggir \u00fe\u00e9r ekki a\u00f0gang a\u00f0 annarri l\u00e6knis\u00fej\u00f3nustu vegna fyrirliggjandi sj\u00fakd\u00f3ma e\u00f0a langt\u00edmame\u00f0fer\u00f0, n\u00e9 telst h\u00fan l\u00f6gleg \u00e1skrift a\u00f0 \u00fe\u00fdska sj\u00fakratryggingakerfinu fyrir \u00fe\u00e1 borgara og tilfelli sem nefnd eru h\u00e9r a\u00f0 ofan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En k\u00e6ri lesandi, ef markmi\u00f0 \u00feitt me\u00f0 \u00fev\u00ed a\u00f0 fer\u00f0ast til \u00de\u00fdskalands er a\u00f0 dvelja \u00fear \u00ed einhvern t\u00edma, \u00e6ttir \u00fe\u00fa a\u00f0 velja a\u00f0ra lei\u00f0 en fer\u00f0atryggingu, leyf\u00f0u m\u00e9r a\u00f0 \u00fatsk\u00fdra \u00fea\u00f0 fyrir \u00fe\u00e9r \u00ed n\u00e6stu l\u00ednum.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Heilbrig\u00f0istryggingar fyrir \u00fatlendinga<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ertu a\u00f0 plana a\u00f0 flytja til \u00de\u00fdskalands? \u00c9g m\u00e6li me\u00f0 a\u00f0 \u00fe\u00fa skr\u00e1ir \u00feig \u00ed sj\u00fakratryggingu \u00ed \u00de\u00fdskalandi, sem er \u00e6tla\u00f0 \u00fatlendingum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Heilbrig\u00f0istrygging fyrir \u00fatlendinga er betri fyrir \u00feig en fer\u00f0atrygging, en h\u00fan er ekki samb\u00e6rileg vi\u00f0 opinberar og einkatryggingar, en h\u00fan er talin t\u00edmabundin lausn fyrir \u00feig ef \u00fe\u00fa hefur einhvern af \u00e1st\u00e6\u00f0unum fyrir a\u00f0 f\u00e1 hana, sem eru eftirfarandi:<\/p>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\">\n<li>Ef \u00fe\u00fa hyggst flytja og b\u00faa \u00ed \u00de\u00fdskalandi \u00ed minna en fimm \u00e1r, \u00e1tt \u00fe\u00fa r\u00e9tt \u00e1 \u00fatlendingatryggingu, en ef \u00fe\u00fa vilt endurn\u00fdja dvalarleyfi\u00f0 \u00feitt getur\u00f0u ekki framlengt t\u00edmabil \u00fatlendingatrygginga, \u00fe\u00fa ver\u00f0ur a\u00f0 skr\u00e1 \u00feig \u00ed sj\u00fakratryggingu.<\/li>\n\n\n\n<li>A\u00f0 s\u00e6kja um \u00fe\u00fdska b\u00fasetu \u00ed fyrsta sinn, \u00fear sem l\u00f6gin krefjast \u00feess a\u00f0 \u00fe\u00fa skr\u00e1ir \u00feig fyrir sj\u00fakratryggingu, svo \u00fe\u00fa getur vali\u00f0 \u00fatlendingatryggingu \u00fear til \u00fe\u00fa velur opinbera e\u00f0a einkarekna sj\u00fakratryggingu.<\/li>\n\n\n\n<li>Ef \u00fe\u00fa ert hafna\u00f0 af opinbera og einkarekna heilbrig\u00f0istryggingakerfinu hefur\u00f0u ekki anna\u00f0 val en a\u00f0 tryggja \u00fatlendinga.<\/li>\n\n\n\n<li>\u00c1rlegar fj\u00e1rhagstekjur \u00fe\u00ednar voru 30.000 evrur, e\u00f0a \u00fe\u00fa varst yfir 50 \u00e1ra, en vertu vark\u00e1r, \u00fev\u00ed kostna\u00f0urinn \u00e1 \u00feessum aldri er mikill aukningin sem fylgir hverju \u00e1ri.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Sj\u00fakratrygging nemenda \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0637\u0644\u0627\u0628-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp\" alt=\"Sj\u00fakratrygging nemenda \u00ed \u00de\u00fdskalandi\" class=\"wp-image-1998\" title=\"\" srcset=\"https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0637\u0644\u0627\u0628-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-1024x576.webp 1024w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0637\u0644\u0627\u0628-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-300x169.webp 300w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0637\u0644\u0627\u0628-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-768x432.webp 768w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0637\u0644\u0627\u0628-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627-390x220.webp 390w, https:\/\/europedia24.com\/wp-content\/uploads\/2023\/07\/\u0627\u0644\u062a\u0623\u0645\u064a\u0646-\u0627\u0644\u0635\u062d\u064a-\u0644\u0644\u0637\u0644\u0627\u0628-\u0641\u064a-\u0623\u0644\u0645\u0627\u0646\u064a\u0627.webp 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Ertu me\u00f0vitu\u00f0, k\u00e6ri lesandi, a\u00f0 \u00de\u00fdskaland er eitt af \u00feeim l\u00f6ndum sem ungt f\u00f3lk fl\u00fdgur til me\u00f0 drauma s\u00edna til a\u00f0 stunda n\u00e1m? \u00dea\u00f0 er einn mikilv\u00e6gasti vettvangurinn sem gerir \u00fe\u00e9r kleift a\u00f0 uppfylla n\u00e1ms\u00f3skir \u00fe\u00ednar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vegna skyldunnar <strong>Heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi<\/strong>Hver nemandi sem er skr\u00e1\u00f0ur \u00ed h\u00e1sk\u00f3la \u00ed \u00de\u00fdskalandi ver\u00f0ur a\u00f0 vera trygg\u00f0ur af sj\u00fakratryggingakerfinu, jafnvel \u00fe\u00f3tt hann taki \u00fe\u00fdskun\u00e1mskei\u00f0 og dvelji \u00ed allt a\u00f0 90 daga, ver\u00f0ur hann a\u00f0 hafa sj\u00fakratryggingu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enginn nemandi getur endurn\u00fdja\u00f0 b\u00fasetu s\u00edna e\u00f0a s\u00f3tt um inng\u00f6ngu \u00ed neinn \u00fe\u00fdskan h\u00e1sk\u00f3la \u00e1n \u00feess a\u00f0 leggja fram gilt opinbert skjal sem sannar a\u00f0 hann s\u00e9 undir \u00fe\u00fdska sj\u00fakratryggingakerfinu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Kostna\u00f0ur vi\u00f0 sj\u00fakratryggingar nemenda <\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00e9rst\u00f6k form\u00fala hefur veri\u00f0 \u00fer\u00f3u\u00f0 til a\u00f0 reikna \u00fat kostna\u00f0 vi\u00f0 sj\u00fakratryggingu nemenda, til d\u00e6mis er grunnupph\u00e6\u00f0 grei\u00f0slunnar sem r\u00edki\u00f0 \u00e1kve\u00f0ur b\u00e6tt vi\u00f0 vi\u00f0b\u00f3tarvexti sem tryggingaf\u00e9lagi\u00f0 \u00e1kve\u00f0ur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Leyf\u00f0u m\u00e9r a\u00f0 \u00fatsk\u00fdra \u00feetta einfaldlega, \u00ed byrjun \u00e1rs 2023 setti r\u00edki\u00f0 100,50 evrur \u00e1 m\u00e1nu\u00f0i sem grunnupph\u00e6\u00f0, og vextir fyrirt\u00e6kis ver\u00f0a lag\u00f0ir vi\u00f0 0,9%, \u00feannig a\u00f0 kostna\u00f0urinn sem nemandinn grei\u00f0ir ver\u00f0ur 107,28 evrur \u00e1 m\u00e1nu\u00f0i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hins vegar er undantekning fr\u00e1 hverri reglu, ef nemandi sem kemur til n\u00e1ms n\u00e6r 30 \u00e1ra aldri e\u00f0a eldri, \u00fe\u00e1 setti r\u00edki\u00f0 \u00e1ri\u00f0 2023 vir\u00f0i h\u00f6fu\u00f0st\u00f3lsins sem \u20ac177,4 \u00e1 m\u00e1nu\u00f0i, auk aukavaxta upp \u00e1 0,9 \u20ac, sem gerir samtals \u20ac186,38 \u00e1 m\u00e1nu\u00f0i, og \u00feessi pr\u00f3senta getur h\u00e6kka\u00f0 \u00e1rlega vegna h\u00e6kkunar h\u00f6fu\u00f0st\u00f3ls.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Eins og \u00e1\u00f0ur hefur veri\u00f0 nefnt, ver\u00f0a nemendur a\u00f0 skr\u00e1 sig fyrir sj\u00fakratryggingu, en \u00feeir eiga ekki r\u00e9tt \u00e1 almennri tryggingu, svo \u00feeir ver\u00f0a a\u00f0 velja einkatryggingaf\u00e9lag og skr\u00e1 sig hj\u00e1 \u00fev\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ef hann vill nj\u00f3ta s\u00f6mu \u00fej\u00f3nustu og almennar tryggingar \u00ed eigin formi, er besti kosturinn um 60 evrur \u00e1 m\u00e1nu\u00f0i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Hva\u00f0 \u00e1 a\u00f0 gera ef ney\u00f0ar\u00e1stand kemur upp \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hver sem tryggingasta\u00f0a \u00fe\u00edn er, \u00fe\u00e1 f\u00e6r\u00f0u samt vi\u00f0eigandi me\u00f0fer\u00f0 fyrir \u00e1stand \u00feitt, geymdu \u00feessi n\u00famer fyrir ney\u00f0artilvik sem \u00fe\u00fa g\u00e6tir lent \u00ed me\u00f0an \u00fe\u00fa ert \u00ed \u00de\u00fdskalandi.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Sj\u00fakrab\u00edll og sl\u00f6kkvili\u00f0smenn: 112<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>L\u00f6gregla: 110<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Br\u00e1\u00f0al\u00e6knir: 19242<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#002eff\" class=\"has-inline-color\">Algengar spurningar um sj\u00fakratryggingar \u00ed \u00de\u00fdskalandi<\/mark><\/strong><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1688707261835\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">N\u00e6r sj\u00fakratrygging fl\u00f3ttamanna \u00ed \u00de\u00fdskalandi yfir s\u00e1lfr\u00e6\u00f0ime\u00f0fer\u00f0?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Nei, ef fl\u00f3ttama\u00f0ur hefur dvali\u00f0 \u00ed 15 m\u00e1nu\u00f0i \u00e1 \u00fe\u00fdskri grund, getur hann a\u00f0eins fengi\u00f0 ge\u00f0l\u00e6knis\u00fej\u00f3nustu \u00ed \u00e1kve\u00f0num tilfellum sem falla undir alvarleg tilfelli.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1688707321498\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Hvernig get \u00e9g sagt upp sj\u00fakratrygginga\u00fej\u00f3nustu minni \u00ed \u00de\u00fdskalandi?\u00a0\u00a0<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Ef \u00fe\u00fa h\u00e6ttir a\u00f0 grei\u00f0a fyrir almannatryggingar munt \u00fe\u00fa ekki geta fengi\u00f0 heilbrig\u00f0is\u00fej\u00f3nustu samkv\u00e6mt \u00feaki sj\u00fakratrygginga \u00ed \u00de\u00fdskalandi, en \u00ed tilfelli einkatrygginga ver\u00f0ur \u00fe\u00fa a\u00f0 l\u00e1ta tryggingaf\u00e9lagi\u00f0 segja upp tryggingunni \u00feinni.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1688707339358\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Hvernig get \u00e9g keypt l\u00e6knisfer\u00f0atryggingu?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u00de\u00fa getur keypt fer\u00f0asj\u00fakratryggingu \u00e1 netinu me\u00f0 \u00fev\u00ed a\u00f0 kaupa Schengen vegabr\u00e9fs\u00e1ritun, e\u00f0a me\u00f0 \u00fev\u00ed a\u00f0 fara \u00ed gegnum sendir\u00e1\u00f0i\u00f0 og s\u00e6kja um pl\u00e1ss hj\u00e1 sj\u00fakratryggingaf\u00e9l\u00f6gum \u00ed \u00de\u00fdskalandi, sem bj\u00f3\u00f0a upp \u00e1 sj\u00fakratryggingar fyrir fer\u00f0al\u00f6g.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1688707359705\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Hva\u00f0 kostar a\u00f0 me\u00f0h\u00f6ndla sjaldg\u00e6ft \u00e6xliskrabbamein \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Samkv\u00e6mt n\u00fdja t\u00e6kinu sem er \u00e6tla\u00f0 til me\u00f0fer\u00f0ar \u00e1 krabbameins\u00e6xlum sem ekki er h\u00e6gt a\u00f0 n\u00e1lgast me\u00f0 skur\u00f0a\u00f0ger\u00f0, sem telst bylting \u00ed l\u00e6knisfr\u00e6\u00f0inni, er kostna\u00f0ur vi\u00f0 krabbameinsme\u00f0fer\u00f0 20.000 evrur, sem sj\u00fakratryggingaf\u00e9l\u00f6g \u00ed \u00de\u00fdskalandi bera sj\u00e1lf.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1688707383528\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Hversu lengi b\u00ed\u00f0ur \u00fe\u00fa me\u00f0 a\u00f0 svara h\u00e6lisums\u00f3knum \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>\u00dea\u00f0 tekur tvo til \u00e1tta m\u00e1nu\u00f0i a\u00f0 sko\u00f0a h\u00e6lisums\u00f3knina \u00fe\u00edna.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1688707416133\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Eru sj\u00fakrah\u00fas \u00f3keypis \u00ed \u00de\u00fdskalandi?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Samkv\u00e6mt skyldu allra til a\u00f0 skr\u00e1 sig \u00ed sj\u00fakratryggingu \u00ed \u00de\u00fdskalandi, \u00fe\u00e1 grei\u00f0ir tryggingin kostna\u00f0 sj\u00fakrah\u00fasa, a\u00f0eins \u00fe\u00fa \u00fearft a\u00f0 grei\u00f0a 10 evrur fyrir hvern dag sem \u00fe\u00fa dvelur \u00e1 sj\u00fakrah\u00fasi.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1688707437494\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong><mark class=\"has-inline-color has-vivid-cyan-blue-color\">Hva\u00f0a kostna\u00f0ur er ekki greiddur af \u00fe\u00fdsku r\u00edkistryggingunni?<\/mark><\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>R\u00edkistryggingin grei\u00f0ir ekki fyrir fegrunara\u00f0ger\u00f0ir, b\u00f3lusetningar og b\u00f3lusetningar fyrir fer\u00f0ir n\u00e9 n\u00e1tt\u00faruleg \u00farr\u00e6\u00f0i.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<!-- europedia-eeat-intent-v1 -->\n<section class=\"europedia-eeat-intent\" data-eeat-section=\"germany\" data-eeat-intent=\"study\">\n<h2>Stutt svar samkv\u00e6mt ranns\u00f3knar\u00e1setningi<\/h2>\n<p>Vissir \u00fe\u00fa a\u00f0 heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi eru skyldubundnar fyrir alla \u00ed \u00de\u00fdskalandi? \u00cd stuttu m\u00e1li: byrja\u00f0u \u00e1 innt\u00f6kuskilyr\u00f0um, tungum\u00e1li og fj\u00e1rm\u00f6gnun, og athuga\u00f0u s\u00ed\u00f0an uppl\u00fdsingar um h\u00e1sk\u00f3lann e\u00f0a n\u00e1mi\u00f0 \u00e1\u00f0ur en \u00fe\u00fa skipuleggur fer\u00f0al\u00f6g e\u00f0a grei\u00f0ir gj\u00f6ld.<\/p>\n\n<h2>Hverjir nj\u00f3ta g\u00f3\u00f0s af \u00feessum lei\u00f0arv\u00edsi?<\/h2>\n<p>\u00deetta efni er \u00e6tla\u00f0 arab\u00edskum nemendum og \u00feeim sem hyggjast stunda n\u00e1m e\u00f0a \u00fej\u00e1lfun \u00ed \u00de\u00fdskalandi. \u00deess vegna hafa veri\u00f0 b\u00e6tt vi\u00f0 eftirlitsst\u00f6\u00f0vum sem hj\u00e1lpa \u00fe\u00e9r a\u00f0 breyta uppl\u00fdsingum \u00ed hagn\u00fdta \u00e1kv\u00f6r\u00f0un \u00e1 sama t\u00edma og minnka \u00e1h\u00e6ttu \u00e1 a\u00f0 treysta \u00e1 almennar e\u00f0a \u00fareltar uppl\u00fdsingar.<\/p>\n\n<h2>\u00c1\u00f0ur en \u00fe\u00fa treystir \u00e1 uppl\u00fdsingarnar<\/h2>\n<ul>\n<li>Ber\u00f0u saman innt\u00f6kuskilyr\u00f0in \u00ed ritger\u00f0inni vi\u00f0 h\u00e1sk\u00f3las\u00ed\u00f0una e\u00f0a DAAD, \u00fear sem kr\u00f6furnar eru mismunandi eftir n\u00e1mi og r\u00edki.<\/li><li>Sj\u00e1\u00f0u raunverulegan kostna\u00f0: \u00d6nnargj\u00f6ld, sj\u00fakratryggingar, h\u00fasn\u00e6\u00f0i og \u00fatreikning \u00e1 fj\u00e1rm\u00f6gnun, ef vi\u00f0 \u00e1.<\/li><li>Haltu ums\u00f3knardagsetningum og nau\u00f0synlegum skj\u00f6lum \u00e1 einum lista svo \u00fe\u00fa missir ekki af mikilv\u00e6gum fundi.<\/li>\n<\/ul>\n\n<h2>Opinberar heimildir og \u00e1rei\u00f0anlegar heimildir<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.daad.de\/en\/\" target=\"_blank\" rel=\"nofollow noopener\">PABBI<\/a><\/li><li><a href=\"https:\/\/www.study-in-germany.de\/en\/\" target=\"_blank\" rel=\"nofollow noopener\">N\u00e1m \u00ed \u00de\u00fdskalandi<\/a><\/li><li><a href=\"https:\/\/www.make-it-in-germany.com\/en\/\" target=\"_blank\" rel=\"nofollow noopener\">Ger\u00f0u \u00fea\u00f0 \u00ed \u00de\u00fdskalandi<\/a><\/li>\n<\/ul>\n\n<h2>Algengar spurningar<\/h2>\n<h3>Eru sm\u00e1atri\u00f0in mismunandi eftir \u00fe\u00fdskum r\u00edkjum?<\/h3>\n<p>J\u00e1, \u00ed greinum eins og n\u00e1mi, vinnu, h\u00fasn\u00e6\u00f0i og sta\u00f0bundnum \u00fej\u00f3nustum geta uppl\u00fdsingar veri\u00f0 mismunandi eftir r\u00edkjum e\u00f0a borgum, svo \u00fe\u00fa \u00e6ttir a\u00f0 r\u00e1\u00f0f\u00e6ra \u00feig vi\u00f0 \u00feann a\u00f0ila sem ber \u00e1byrg\u00f0 \u00e1 \u00e1fangasta\u00f0num.<\/p>\n<h3>Kemur \u00feessi grein \u00ed sta\u00f0 opinberu heimildarinnar?<\/h3>\n<p>Nei. Greinin \u00fatsk\u00fdrir myndina og safnar saman mikilv\u00e6gum athugunarst\u00f6\u00f0vum, en kemur ekki \u00ed sta\u00f0 opinberra vefs\u00ed\u00f0na e\u00f0a s\u00e9rfr\u00e6\u00f0ir\u00e1\u00f0gjafar \u00feegar beinar lagalegar e\u00f0a fj\u00e1rhagslegar aflei\u00f0ingar eru til sta\u00f0ar.<\/p>\n<p><strong>Ritstj\u00f3rnarathugasemd:<\/strong> \u00deetta efni var breytt 11. j\u00fal\u00ed 2026 til a\u00f0 b\u00e6ta sk\u00fdrara vi\u00f0 \u00e1formum rannsakanda, opinberum heimildum og hagn\u00fdtum vi\u00f0mi\u00f0um sem auka traust og s\u00e9rfr\u00e6\u00f0i\u00feekkingu.<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Vissir\u00f0u a\u00f0 Heilbrig\u00f0istryggingar \u00ed \u00de\u00fdskalandi Skylda fyrir alla \u00e1 landi \u00feess? En af hverju leggur \u00de\u00fdskaland tryggingar \u00e1 \u00feennan h\u00e1tt?! Heilbrig\u00f0istryggingapakkinn er ekki takmarka\u00f0ur vi\u00f0 \u00dej\u00f3\u00f0verja, heldur inniheldur hann alla sem st\u00edga f\u00e6ti til \u00de\u00fdskalands. \u00deess vegna \u00e6ttir \u00fe\u00fa a\u00f0 st\u00edga inn \u00ed heim heilbrig\u00f0istrygginga til a\u00f0 kynna \u00fe\u00e9r kosti og galla hennar, og tegundir &hellip;<\/p>\n","protected":false},"author":1,"featured_media":1980,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[599],"tags":[],"class_list":["post-24115","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thyskaland"],"_links":{"self":[{"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/posts\/24115","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/comments?post=24115"}],"version-history":[{"count":1,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/posts\/24115\/revisions"}],"predecessor-version":[{"id":28180,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/posts\/24115\/revisions\/28180"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/media\/1980"}],"wp:attachment":[{"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/media?parent=24115"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/categories?post=24115"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/europedia24.com\/is\/wp-json\/wp\/v2\/tags?post=24115"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}