Welcome to Thailandblog.nl
With 275.000 visits per month, Thailandblog is the largest Thailand community in the Netherlands and Belgium.
Sign up for our free e-mail newsletter and stay informed!
Newsletter
Language setting
Rate Thai Baht
Sponsor
Latest comments
- Eric Kuypers: If you change the command line, such as https://www.iqair.com/thailand/nong-khai, you will get a different city or region. But you
- Cornelis: Well, GeertP, I am absolutely not a 'Brussels sprouts supporter' or THE Red Brand addict, but that does not mean that I don't like the Thai cuisine.
- Rudolf: It depends on what you are looking for in Thailand, but to be honest you don't have much choice in my opinion. The big cities are falling apart
- RonnyLatYa: Also take a look at this. https://www.iqair.com/thailand/kanchanaburi Also scroll down a bit and they will also give you some explanation
- Peter (editor): I also enjoy the Thai food and yes, the price is very attractive. But it's just a fact that Thai farmers are unbelievable
- Jacks: It is best to go in the period November to February. Someone with asthma should absolutely not come here from March to May
- GeertP: Dear Ronald, I completely agree with your story, I also enjoy Thai cuisine every day and even after 45 years of Thai
- Eric Kuypers: Wilma, bad air is not in all of Thailand. Thailand is more than 12x the Netherlands! These are the big cities (traffic) and some
- Pjotter: kopi luwak regularly bought and drunk in the Netherlands. Usually only available some time before Christmas. You get the best coffee taste
- Jack S: Oh dear…. Except for the fact that I also start the day with a coffee, everything is different for me... my coffee is just a
- hans: Tastes differ, but this just looks beautiful.
- Lenaerts: Dear, I went to immigration yesterday to apply for a retirement visa, very friendly people and they helped quickly
- Aad: I buy my coffee at Lotus. Add a teaspoon of that coffee to warm water and enjoy
- Berbod: Beautiful story Lieven and recognizable in many ways. In recent years I have been drinking coffee from the Boloven plateau in the South
- Jos Verbrugge: Dear KeesP, Would it be possible to provide the details of the visa office in Chiang Mai? Thanks in advance
Sponsor
Bangkok again
Menu
Arrivals Bangkok Airport
DOSSIERS
Learning objectives and topics
- Background
- Activities
- Advertorial
- Agenda
- Tax question
- Belgium question
- Sights
- Bizarre
- Buddhism
- Book reviews
- Column
- Corona crisis
- The Culture
- Diary
- Dating
- The week of
- Dossier
- To dive
- Economy
- A day in the life of…..
- Islands
- Food and drink
- Events and festivals
- Balloon Festival
- Bo Sang Umbrella Festival
- Buffalo races
- Chiang Mai Flower Festival
- Chinese New Year
- Full Moon Party
- Christmas
- Lotus Festival – Rub Bua
- Loy Krathong
- Naga Fireball Festival
- New Years Eve celebration
- Phi ta khon
- Phuket Vegetarian Festival
- Rocket festival – Bun Bang Fai
- Songkran – Thai New Year
- Fireworks Festival Pattaya
- Expats and retirees
- state pension
- Car insurance
- Banking
- Tax in the Netherlands
- Thailand tax
- Belgian Embassy
- Belgian tax authorities
- Proof of life
- DigiD
- emigrate
- To rent a house
- Buy a house
- In memoriam
- Income statement
- King's day
- Cost of living
- Dutch embassy
- Dutch government
- Dutch Association
- News
- Passing away
- Passport
- Retirement
- Drivers license
- Distributions
- Elections
- Insurance in general
- Visa
- work
- Hospital
- Health insurance
- Flora and fauna
- Photo of the week
- Gadgets
- Money and finance
- History
- Health
- Charities
- Hotels
- Looking at houses
- Isaan
- Khan Peter
- Koh Mook
- King Bhumibol
- Living in Thailand
- Reader Submission
- Reader call
- Reader tips
- Reader question
- Society
- marketplace
- Medical tourism
- Environment
- Nightlife
- News from the Netherlands and Belgium
- News from Thailand
- Entrepreneurs and companies
- Education
- Research
- Discover Thailand
- Opinions
- Remarkable
- Calls
- Floods 2011
- Floods 2012
- Floods 2013
- Floods 2014
- Winter prices
- Politics
- Poll
- Travel stories
- Travel
- Organizations
- Shopping
- Social media
- Spa & wellness
- Sport
- Cities
- Position of the week
- The beach
- Language
- For sale
- TEV procedure
- Thailand in general
- Thailand with children
- thai tips
- Thai massage
- Tourism
- Going out
- Currency – Thai Baht
- From the editors
- Real estate law; and
- Traffic and transport
- Visa Short Stay
- Long stay visa
- Visa question
- Flight tickets
- Question of the week
- Weather and climate
Sponsor
Disclaimer translations
Thailandblog uses machine translations in multiple languages. Use of translated information is at your own risk. We are not responsible for errors in translations.
Read our full here disclaimer.
Royalty
© Copyright Thailandblog 2024. All rights reserved. Unless stated otherwise, all rights to information (text, image, sound, video, etc.) that you find on this site rest with Thailandblog.nl and its authors (bloggers).
Whole or partial takeover, placement on other sites, reproduction in any other way and/or commercial use of this information is not permitted, unless express written permission has been granted by Thailandblog.
Linking and referring to the pages on this website is permitted.
Home » Reader question » Reader question: Is it possible to emigrate to Thailand and keep your Dutch health insurance?
Reader question: Is it possible to emigrate to Thailand and keep your Dutch health insurance?
Dear readers,
My father (66 years old) wants to live in Thailand, but has had heart problems in the past and has an artificial knee. What is the best solution regarding health insurance, which does not exclude anything?
Google gives me different information. Is he now forced to maintain a home address in the Netherlands in order to maintain Dutch health insurance?
With kind regards,
Roy
for the mandatory Dutch basic health insurance, he will indeed have to have/keep a home address in the Netherlands.
There are also Dutch health insurers that have a foreign policy, but that is a voluntary insurance. I know about OOM and Unive, but there may be more.
Maybe this info will help: http://www.zorgwijzer.nl/faq/wat-gebeurt-er-met-mijn-zorgverzekering-in-het-buitenland
Yes, it is no different if you have children that should not be a problem, we are also concerned.
He has to choose the best solution himself.
If he officially goes to live in Thailand (ie emigrate) the health care law no longer applies.
At his age, especially with existing ailments, new insurance is unaffordable.
You can officially continue to live in the Netherlands, but then it is officially only possible to be outside the Netherlands for a limited number of months. (I believe five months)
Not insuring, as well as staying away longer than “allowed”, entails risks with regard to possible medical costs.
The regulations surrounding the health care law change so quickly that I am not fully aware of how health insurance is insured during a long-term holiday in Thailand, if one falls under the health care law. But the last thing I remember is that for countries outside the EU, travel insurance (with a medical part) is required on top of the underlying Healthcare Act provision in order to be sufficiently covered medically. Most travel insurance policies also have a limited validity period, including the so-called open travel insurance policies.
It is not yet definitive that you must have travel insurance. Maybe by 2015, it is a proposal…
The above statement can put people on the wrong track.
For years people have been regularly warned that it is better for people to (voluntarily) take out extra insurance through supplementary travel insurance. Reason: if the price of the treatment in Thailand exceeds the Dutch standard, then the difference is for your own account. This will become even more important in 2015.
see: http://www.wegwijs.nl/artikel/2013/08/vakantie-buiten-europa-geen-dekking-basiszorgverzekering
Hi Roy,
I don't know if your father wants to settle permanently in Thailand?
I'm having the same problem, taking out a health insurance policy with BUPA, for example, quickly costs € 280,– so it's not really possible. If you leave NL for good, the gross benefit will be net, and you will have to pay tax in TH.
Old cases of illness are also not covered by BUPA.
Insuring in NL will not work because your father is going to get an O visa and you are therefore registered in TH, you can guess the rest.
Health insurance is therefore the biggest problem, I myself had a plan to save enough to cover the medical costs, but I do hear stories that people manage to take out health insurance there.
My Thai partner visits hospitals there for health insurance, without result yet.
Hello Peter,
I look on Bupa for health insurance, but my monthly premium would be 752,32 euros.
I am 70 years old, and would like to be insured for 280 euros per month, but I cannot find it. Can you help me where to find that?
regards computing
Contact AIA
Dear Roy,
Your father is 66 and would like to live in Thailand, well then I can give him two options.
First of all, you must always remain very honest with all authorities and insurers, so don't play a game with another address in the Netherlands.
Option 1) . He is going to deregister from the Netherlands and pass on his new address in Thailand to all authorities.
He is now insured with an insurer in the Netherlands, and ALL insurers are obliged to make a proposal to your father, which means that he will receive a foreign insurance policy that falls under the same insurer as he is now insured with, this health insurance will be slightly more expensive. are like the 130 euros he pays now, but then he knows that he is super insured and that nothing is excluded.
Then he also indicates in which hospital he would like to be helped in case of an emergency, so that the insurer can already contact this hospital.
Option 2). He deregisters from the Netherlands and rents or buys a new house or condo in Thailand where he registers by means of a rental contract or house book.
Then he can get health insurance from several insurers, in different price ranges, it is best to contact Matthieu and Andre from AA Insurance Brokers, which are two Dutch people who know everything about insurance here in Thailand.
I am also insured with them, and the service they provide is great!!!
I myself have been living in Thailand for 14 years now , and I still kept my Dutch health insurer for the first 12 years , and I have now been insured with ACS for 2 years .
But there are a lot of ghost stories being told in the pubs and bars here, that you can only stay abroad for 6 months or 8 months otherwise you are not insured, but again if you play fair game and you deregister from the Netherlands, then you can you can stay away as long as you want, and then you are still insured with your own health insurer in the Netherlands.
And then you still have the right to vote, because you remain the Netherlands with all the rights and obligations associated with it.
And if you want to stay in Thailand for 6 or 8 or 10 months, and come back to the rainy Netherlands in the summer, then that's all possible !!!
I speak from my own experience, because I have done everything according to the rules of the law in the Netherlands and Thailand, because I always want to do everything right, and not like 90% of the Dutch who live here, keep their address in the Netherlands so as NOT to missing out on that 2% per year of their AOW, that money is not for the people who have already reached the age of 65 ......
I wish your father a good and healthy stay in beautiful Thailand.
If you want to know anything else, you can contact me via this blog.
With kind regards,
John from Pattaya.
Hi John. I have lived in Jomtien for years and I would like to talk to you about this eternal source of information. I still “live” in NL and go “home” every year. Because it has to be…..
Yes, because telling lies to the people you regularly deal with… I don't recommend it to anyone.
You can let me know something through this blog.
Best wishes. Thank you.
John
John, regarding ACS do you have your insurance contact information?
Tx
Living, what is that?
Hibernate or emigrate?
When hibernating, everything can be arranged from the Netherlands.
With real living, so emigrating everything expires.
No joys and no burdens!
Excluded from taking out insurance in the Netherlands (or Europe).
Health insurance is possible in Thailand, but a surcharge is imposed from the age of 70.
Good luck, Roy.
Hi Roy,
I am insured with Inter Global health care. At age 66, the premium is THB 146,000.
Dir is a cover for hospital in patient. Includes travel insurance worldwide coverage.
I myself had a bypass operation in 2005.
This insurance does not contain any exclusions. At age 70, the premium goes to THB 214,000
See http://www.interglobal.com/thailand
phone +66 (0)22071023
Good luck Hank
ONVZ has expat insurance, which is slightly more expensive than normal insurance in the Netherlands.
As you take a higher deductible, the insurance is of course cheaper, I pay 335 euros per quarter with a deductible of 500 euros, then I am insured for the whole world, excluding the USA.
Perhaps it is wise to inform a little here http://www.verzekereninthailand.nl
Emigrate = deregister in the Netherlands = no more entitlement to Dutch health insurance = insure yourself in the Netherlands with a so-called foreign policy, or in Thailand, or elsewhere.
It is best to first switch (= before deregistration) in the Netherlands to a health insurer that (also) has a foreign policy. There aren't too many. Try CZ, Ohra, OVZ, Unive. Most of these insurers only offer a so-called loyalty policy = to those who were previously insured with them for the NL health insurance = there are no exclusions! The costs are in any case considerably higher than for the NL health insurance (count on 300 ++ euros per month). Also check the websites http://www.joho.nl en http://www.verzekereninthailand.nl/
Insuring in Thailand or elsewhere is generally not recommended, because there are exclusions (= previous ailments), and/or substantial premium increases with higher age, and/or the insurance can stop at a certain age, and/or sometimes you 'just' removed from the insurance; anything is possible, be warned; always read the fine print.
See also http://www.nvtpattaya.org/nvtp/index.php/info/nuttige-informatie/406-ziektekostenverzekering-medische-ingrepen-in-thailand
They just leave you no choice!
Set aside 10.000 euros for the "first aid".
If the costs are higher, simply go back to NL, register with the municipality, and off you go! you are insured in NL again. That is of course actually a bit anti-social, but the government has made it for itself!
Leo, if you come from Thailand, do you need a residential address to register with the municipality? , I don't have that so how do you solve that, I don't know anyone who makes his address available (ghost burger and tax) Is there a waiting period before the insurance starts?
You don't have to pay tax in Thailand if you have a state pension. That is only for people who work there as farang and earn a lot. And you can insure yourself in Thailand, but then there is a price tag, more expensive than in the Netherlands. registered in NL but will continue to live in Thailand for more than 8 months, you are a so-called ghost citizen in the eyes of the law, a fraudster, so don't do it because the checks are already being carried out more often and rightly so. However, if your father is 66 years old and enjoys aow, he can good life here.
And if he perhaps has a supplementary pension every month, he is set. The cost of living is much lower here.
With aow and supplementary pension you can easily put away 200 per month for medical costs or take out insurance, even at a municipal hospital directly. I only pay 2800 th bath and am almost 74c years old and fully insured for that amount including medicines. If you want to know everything about it, you can send me a pm.
hello Jan
can you tell me how to do that and where those diseases cost insurance
I'm going to Thailand on September 1 for good
bvd Thanks Willem
Everything has already been said above. In addition, the cover for outside Europe will no longer be included in the basic package. So difficult situation.
“Health insurance that excludes nothing” only exists in the Netherlands. If your father wants to, he must remain registered in NL, but then he is only allowed to leave the country for 6-8 months a year (“on holiday”).
If he has to deregister (if he wants to leave the country for longer than 8 months, he MUST!) Then European insurance policies are possible here in Thailand that are quite affordable (in-patient) but that always exclude existing or old ailments. Your father will receive insurance, but heart and blood vessels and the knee will then be excluded from coverage. The advantage is that he can sit here in the heat for 12 months a year.
For details about insurance, please contact: http://www.verzekereninthailand.nl. That is a good agency in Hua Hin that is run by 2 Dutchmen. Perfect service!
PS If your father has actually emigrated, he can no longer take out Dutch travel insurance. That is only for residents of NL. Thai travel insurance is only valid OUTSIDE of Thailand.
In short, the choice for your father is simple:
1. Live in Thailand 12 months a year, take out insurance and accept that exclusion for the heart, etc.,
2. either continue to live in NL for 4 months a year and go “on holiday” to Thailand for a maximum of 8 months a year and enjoy his NL health insurance.
Eating both ways is not possible…;-).
What I understand from the number of insurance policies is the following:
A number of insurance policies exclude what already exists in terms of complaints: eg
In addition, some people stop taking out insurance when they reach the age of 70.
OOM does not insure for living in Thailand
Cigna (French my.) does insure for permanent residence in Thailand: costs € 401,= per month
VGZ (Ned.) also insures in Th. from € 310.pm > 65 years.
For the mandatory Dutch basic health insurance, you must have at least a number
living in Dutch for months (I thought 4 months)
Sincerely,
Lodewijk
Roy,
Some considerations:
– for the NL basic insurance you must be registered in NL:
preferably keep your own home address in NL; on paper living with family or acquaintances can cause problems
deliver: the government keeps an eye out for so-called “ghost citizens”;
housing does not have to cost tons; there are neat flats for sale for much less;
– maintain a Dutch health insurance policy; given your father's medical history, an NL-
basic insurance benefits: obligation to assume, reasonable premium, reliable;
– take out additional travel insurance; otherwise it may not be sufficiently covered, especially in the supermarket
commercial private hospitals such as Bangkok Hospital; knowledge of mine was insufficiently insured
and was allowed to sell his flat in Thailand to pay the hospital bill; later died anyway
after which his wife clearly inherited less due to the forced sale of the flat.
– to stay in NL for a few months per year (certainly no punishment during the hot Thai period).
Expat insurance is not always reliable:
– Thai insurance companies sometimes just don't even pay out;
– Reputable foreign health insurers are also playing tricks: they are screened with a life sentence
possible coverage. But after 1 significant case of illness, the premium immediately shoots up, after a 2nd
incident has the same result, making the premium unaffordable and people say goodbye automatically
(which the insurance company deliberately sends to). At a later age difficult or impossible
to then come in with another insurer (unless back to NL basic insurance, but
than living/registered in NL).
Whoever I speak to, insurance advisers also prefer NL basic health insurance and security.
It is a pity that we are not yet a “global village” and that you cannot stay in Thailand all year round with a Dutch basic insurance policy. Why the annual return obligation? Don't we also pay tax on savings in NL if we remain registered in NL? But that's another question.
Good luck with the decision making and wish you a lot of fun in Thailand.
Ensure that he remains registered in the Netherlands at a home address and stays there for at least 4 months a year in the Netherlands, otherwise the health insurance will expire.
A health insurance in Thailand that really covers everything is possible, but it will soon cost you around 500 euros per month.
However, I don't know if they will accept you if they know about your illness.
There are also cheaper insurance policies. It's just what you want.
If I were your father I would go to Thailand and go on holiday to the Netherlands 4 months a year.
Can he immediately take medicines and other supplies with him?
Hi Josh,
When I moved to Thailand, my health insurance was canceled by the insurer and they do not want to insure me privately in NL.
I (66y) would like to take out such an insurance, I have not succeeded in the 5 years that I have lived in Thailand.
Just had an operation in BKK, where I had to bring more than Euro 460.000 in cash for 10000 bath.
i am in sept. emigrated in 2009. Deregistered from the municipality of Heemstede. The month before that I was busy taking out a solid health insurance policy. Comparisons made etc.
The best came for me the OOM (Mutual War Molest verz.Me)
I happen to know this because my father was at the cradle of that club.
The OOM is not the cheapest, but it is hassle-free. I (75) pay approx. 500 p/month.
what I forgot: warning…..You can also insure yourself in Thailnd, but Thai policies are cancellable if you have made a few claims. Then you're on the street and see if you can take out a new policy as an older ex-path. So an insurance with Dutch conditions is better, even if it costs more…
ONVZ has excellent insurance for Dutch nationals abroad. Also in Thailand. This is the same as the basic insurance in NL. I AM 67 years old, officially emigrated to Thailand, and also insured with the ONVZ. They cover everything, including medical history. Highly recommended and well insured.
Don't take out Thai insurance, they exclude everything you've had once, also in the future!
Okay alex .but this is indeed useful for your kind of situation.
The questioner is indeed also about a peer.
But how is he now insured etc.
Advisory agency hua inn . Specializing in this seems to me to be the right advice. See previous comment for address.
Greetings Peter Young
Ps have no financial interest in advice insurance ed hua inn ..
Good luck
This topic has been discussed several times on this blog. Go ahead, just one more time. Univé has a Universal Complete Policy for 360 euros per month. If you are insured with Univé during emigration, you can usually switch seamlessly. The policy has no excess and covers a lot, including medicines, glasses and dentistry. Over 65 abroad, a medical certificate must be completed. I myself have been with Univé for years to great satisfaction and have never encountered any problems. Within a few weeks the amount claimed will be on my account.
ONVZ also wants to know what the medical history is, but is not too difficult about this, especially when asked by the insured person. Here there is a deductible and a slightly higher monthly premium.
Just a question,
Are these rules identical in Belgium, or is there a difference?
Dear thanks.
Didit.
Although written off from Belgium you are not insured in Thaland, as a tourist you are, but first advance and later ask for a refund from the health insurance fund, subject to the necessary documents, and is limited to 3 months stay or 3 months total admission to hospital, this is a disputable fact depending on which source , so clearly ask the source !!
When you emigrate, you keep your full health insurance as a pensioner and for your dependents when you return or temporarily holiday in Belgium ...... this on the basis of Belgian nationality, but first register with a health insurance fund
Source RIZIV
diditje,
I also made a file for TB last year
See Dossiers Residential Address Thailand-Be
It includes a section on the health insurance fund.
In general, because otherwise we will deviate too far
– If you have been deregistered, you will have to take care of your medical expenses yourself.
– If you remain registered you fall under the following
Everything now goes through Mutas and you don't have to advance anything. Make sure you always have a card from Mutas with you, and stick a sticker from your health insurance fund on it. That sticker contains some information about you, and it might make it easier for the administration if you can't answer those questions yourself due to circumstances. Showing that insurance card and sticker is often enough for the hospital to start treatment.
(these are the rules, but if the hospital wants to see money before treating you, you are of course nothing with this rule and you have to wait until Mutas deposits a guarantee amount at the hospital or pay it yourself, of course)
After Mutas has been notified by yourself, another person or the hospital, Mutas will again contact that hospital itself. If your file is approved, Mutas will make all payments to which you are entitled.
For Soc Mut and general
– You are covered from your departure date until 90 days afterwards, so approximately 3 months
– From 125 Euro you must engage Mutas within 48 hours or you run the risk of non-repayment, even if you come with the original invoices afterwards.
It does not have to be below 125 Euro and you can still submit the invoices afterwards and there is a refund.
– Apart from a file cost of 25 euros, everything that would also be reimbursed in Belgium will be reimbursed up to an amount of 5000 euros
For CM and general
– You are covered 90 days from the day you need care (big difference with Soc Mut)
Those 90 days count on an annual basis, so be careful if you receive care abroad several times.
– There is an excess of 200 Euro, but no maximum amount
– Turn on Mutas within 48 hours or risk of non-refund.
Those are basically the rules.
I will limit it to the big two because there are other hospitals of course.
Each file is decided individually (this is the case with every health insurance fund).
The amounts and duration is what you are entitled to, but the duration and amount may be higher or longer if so decided for your file. Everything will depend on the situation.
It goes without saying that you should be in line with your contributions
“For CM and in general
– You are covered 90 days from the day you need care (big difference with Soc Mut)”
This is exactly the same thing said to me at Socmut, and this in response to my explicit request for clarification (we've already discussed this, I think...)
hello David
Indeed, we talked about that, and I thought I sent you the statutes with Mutas in which this was stated.
Now, as I said, each file is decided individually, and whether those rules are applied so strictly is the question, but that they then make one and the same statutes. That makes it easier for everyone, including what the maximum amount is.
But typically Belgian, unite under Mutas but each with its own statutes
It is important and I had forgotten that - the concerns must be of an urgent nature ... important anyway.
Take a look at this link, these are the statutes with Mutas of the Soc Mut
http://www.devoorzorg.be/SiteCollectionDocuments/Formulieren/300/StatutenMutas.pdf
2) Rightholders – conditions
2.1. Rightsholders
The affiliated health insurance funds are obliged to pay the contributions for this service,
stipulated in article 38 of these articles of association, in advance per quarter
Pay.
2.2. Conditions
To enjoy the benefits of the service must follow the following conditions
be fulfilled:
a. the member has paid the contributions for the supplementary insurance;
b. medical, dental and pharmaceutical care and the
hospital care are of an urgent nature and cannot be
postponed until the member is back in Belgium;
c. the temporary stay abroad has a recreational character and does not last
longer than 3 months;
d. the repatriation is arranged by the emergency centre;
e. the emergency center is notified within 48 hours after hospitalisation;
f. when documents are issued, these are original documents.
If the condition under 2.2.e. is not met. becomes the intervention of the
service limited to 125 €
This means that you (see point c.) are only allowed to stay abroad for three months (for health insurance purposes), so departure date plus 3 months. Of course , nowhere does it say that you are not allowed to leave for three months several times a year .
As far as CM is concerned, here are the articles of association
https://www.cm.be/binaries/Statuten-reisbijstand-2014_tcm375-132183.pdf
3. Assistance and Interventions
The service is guaranteed for three months and starts on the first day of the
care provision.
I think there is an important difference…
strange…;from the brochure of Mutas socmut: taken literally:
Eurocross covers the costs : (nu mutas)
> in the event of an accident, illness or hospitalization during a stay abroad, for a maximum of 3 months (and this for 1 year).
The intervention starts from the day on which you receive medical treatment and not on the start date of your stay. It must concern urgent medical assistance (ie if your care cannot be postponed until your return to Belgium.
But your PDF indeed says otherwise , hence my explicit request at the time to the Socmut counter for clarification !
It is a pity that no attachments can be sent here, otherwise you could receive the folder.
Hi david,
No problem. You are absolutely right here. I have that text here too. It also says so on their website.
http://www.devoorzorg.be/antwerpen/voordelen-advies/terugbetalingen-uitkeringen/In-het-buitenland/op-reis/Medische-zorgen-in-het-buitenland/Reisbijstand-Mutas/Pages/Welke-kosten-betaalt-Mutas.aspx#tab=ctl00_PlaceHolderMain_hreftab2
Medical care
Medical costs during a recreational stay abroad, for a maximum of three months (and this for one year).
The intervention starts from the day on which you receive medical treatment and not on the start date of your stay.
etc ..
But of course that only says something about the duration of the intervention for medical costs.
The problem is actually not so much the duration of those costs, because a total of 3 months in a year is not bad.
The big problem is that the statutes state that your trip may not last longer than three months at a time, and nothing is said about that on their website.
Maybe check the brochure to see if anything is written about it because I don't have it at hand.
So what if you are admitted to Thailand after 4 months. You have been abroad for more than 3 months and no longer meet point c. the temporary stay abroad has a recreational character and does not last longer than 3 months.
You still have enough credit for the duration of the medical costs (3 months), but you have exceeded the maximum period of stay abroad to be entitled to those medical costs.
This could cause problems and it is mainly that point that needs to be clarified I think and not so much the duration of the medical costs, although that is of course also important.
As far as I know, CM does not impose any restrictions on the duration that you may be abroad.
http://www.devoorzorg.be/limburg/voordelen-advies/terugbetalingen-uitkeringen/In-het-buitenland/op-reis/Medische-zorgen-in-het-buitenland/Reisbijstand-Mutas/Pages/Welke-kosten-betaalt-Mutas.aspx
This link from socmut on the page under “costs covered” ALSO mentions 3 months for 1 YEAR …
Both @David Hemmings and RonnyLatPhrao: This is relevant and up to date info. Thanks for sharing; others may be a little wiser with that. We do have to make it clear that in such a situation you are supposed to be a tourist in Thailand AND to be in compliance with the residency issue. And in acute medical need. Maybe Diditje will benefit from this, because the Netherlands is much more consistent than Belgium in that area. There is also less fraud in this area in the Netherlands. On the other hand, the Belgians who are in line fare better. Recently shared an experience on this blog where Mutas has provided a guarantee for the necessary 'urgent care' for 3 months. https://www.thailandblog.nl/dagboek/dagboek-van-david-diamant. I shared that mainly to write it off, and in the last resort to applaud the good care of both the Belgian and Thai side *grin*.
Dear editors
You may have just received a response from me that was not fully finished so please do not post it.
It's a problem that happens to me more and more often.
An incomplete response that is suddenly sent by my PC or simply disappears.
However, I can't see if it has been sent or if he just makes the text disappear, so I'm sending this email if it has been sent anyway.
I think the problem only occurs with me so I don't think it has anything to do with the TB program.
I'm trying to find out what the cause is but so far to no avail.
My laptop may have had its best years...
Sorry again for this inconvenience if you receive unfinished responses.
yes, it is the wording that creates confusion, depending on how it is read, but in case of a dispute before a court, it will most likely be the folder that prevails, because statutes are not offered to the customer at the time of sale, but the folder… ., and then one could judge that there is unfair advertising / sales conditions .
By the way, in Belgium you can leave the country for 1 year if you declare it in advance, without being deregistered, (3 years done by myself) and so it is logical that insurance responds to this.
But because of this doubtful situation I explicitly asked with the remark of that ambiguity….and socmut verdict was 3 months hospitalization in 1 year.
.
They were also not aware that deregistered people from Belgium enjoy full health insurance EVEN when they return temporarily ….” oh no , can't ne no” until my persistence took the phone and consulted a higher echelon ….. and yes it was positive …. “alleeez did you know datte…(to colleague) dasstrafffe hey…(in nice St Niklaas accent .;) However, this as a pensioner !! I don't know about non-retired people, because they still have to build up rights!
Oh was because it concerned me, and I understand that these are exceptional cases, not everyone goes to Thailand to live there…
a comma in the wrong place can completely change a concept..
David,
Just to close because otherwise I will get the moderator all over me.
In the Dossier Woonadres Thailand-Be I discuss in detail how long, and what to do when leaving your place of residence for the short and long term or permanently.
I also had personal experience with this because I also lived and worked abroad.
As for the folder.
I'm not as sure as you that the folder will prevail in a lawsuit.
I once looked up a folder. This time it is that of the liberals. See link
(Otherwise I might get the comment that we are only talking about Soc Mut or CM)
http://www.liberalemutualiteit.be/c/document_library/get_file?uuid=03282448-2493-4b16-ab4b-0891d5861fb0&groupId=10138
The following text can be found on it (look in the middle on the white box)
“This folder only contains the main provisions on the reimbursement of medical assistance abroad. In case of doubt or dispute, our statutes apply.”
I think this warning is justified, and should be on all folders.
After all, a brochure is only made to attract customers and to show a general overview of their services.
The details and conditions (the small print as we say) are often less attractive and are sometimes not mentioned. That's called lack of space...
In any case, I regularly check whether there are any changes, and if there are, I will certainly let you know via the blog. Can't follow everything of course and tips are always welcome.
After all, it concerns all of us, and we had better know what we are entitled to, or perhaps more importantly, when we are no longer entitled to it.
It can all go fast.
Davis' story should make everyone aware that proper insurance is necessary at any age, including when one is young and healthy.
I think most are aware of this, but some still find it less important and save on such things.
Well, that's their decision of course, but then they have to be able to live with the consequences. For example, help can take a little longer, or not show up at all, and the costs can sometimes be so high that it becomes unaffordable at a time.
That is the choice that was made.
On the other hand, there are of course also people who fall by the wayside everywhere, and for these people there should also be an affordable solution, so that they can still purchase some kind of basic insurance.
We can sometimes read on this blog, that the will to insure is very present, but that they are simply refused on the basis of age, or that they are simply charged unreasonable prices.
I compare it to refusing medical help and I find that unacceptable.
As a conclusion –
Insurance, it's one of those things you pay for, but hope you never need….
A Dutchman is active in Hua Hin who, among other things. offers a French insurance that also offers coverage above 70 years. Extremely affordable if only for 'in hospital' insurance. that means only when you are admitted, there is often a sleeve to adjust with the doctor. In other words, if you have really emigrated, deregistered and tax settled, you can NO longer insure yourself in the Netherlands at an acceptable price. Please note that in addition to the basic and deductible, the tax authorities also pay an amount with a higher income. The total of this is higher (2x) than what I pay here. Can possibly also be paid in Euros via the Netherlands if you still have an account there. Saves exchange costs.
For Hans Bosch.
I myself have had insurance with unive universal for years
You are right that it is good insurance.
But what I experienced is years ago my prosthesis broke it could no longer be repaired I declared it to Unive within a few weeks I got it back but now it comes the amount is calculated according to the exchange rate 300 euros received from the unive a little more If 200 euros, I think they have a different rate calculation, I have not complained about it.
as I have written before, since 2010 I have been regularly treated by the RAM hospital, including enlarged prostate and colon cancer.
Since then I've been doing it differently.
If I suddenly have to go to the hospital unexpectedly, I call the ANWB emergency center telf.nr 0031 70145950
tells them my shipping number and which one and that I am now in hospital with a complaint and also asks for a file number
As soon as I finish I walk to the administration and give them the email address. [email protected] and fax number 0031 88 2967040 they send the bill and the medical report and a copy of my insurance and passport then I can do 2 things wait there or hand over my passport I usually hand over my passport
After a few hours when it's done they call me that I can pick up my passport.
If I have an appointment then I email the emergency center and what they are going to do with me with the medical report. Within a few hours they will send the file no. and the guarantee certificate that they have sent to the relevant hospital. I will then be ready at the cashier. leave like that
Take into account the unreliability of the Dutch health insurers, something I have experienced myself.
A travel insurance only pays out if the medical treatment is urgent, so it cannot be used for anything, which could also have been carried out weeks or months later in NL, despite the fact that it would be significantly cheaper in TH and virtually no waiting time (explain that last one in TH: hurts now, not in a week, so we go to a doctor NOW and not in a week! ).
After a long time of low back pain in addition to sparks in toes and fingers and but no results through physio and chiropractic, I was referred to a neurologist by my GP. You know, after that it goes so fast in NL that Overtoom is a snail: I was able to go after 7 weeks.
Given the pain and a very necessary business trip to TH, a real zhs walked in: Bumrungrad, Saturday morning about 10:00. No appointment and on the weekend so… yes… I had to wait…45 minutes (no, minutes, not days) for a neurologist. He soon concluded that I had to see a spinal specialist, because nerves were being pinched in the back, not in the arms or legs. When did it suit me? Nah, I have to go back to NL in 3 weeks! No, early Monday morning, later, afternoon, evening? So.. Monday 08:00 h.
Researched and.. tues back. Tue : we need an MRI scan, so.. do tomorrow first and then appointment…
Given the expected costs, my health insurer VGZ sent an e-mail. Answer VGZ: “If there is no urgent care, you must advance the costs. You can declare your fully itemized invoice to us upon your return to the Netherlands.” So undergo the treatment in BRR with peace of mind.
Until the claims were submitted to VGZ: the invoices drawn up in Thai / English could not be read, the specification was not sufficient (until a needle of 80 THB was still specified), and finally: ineffective care, because.., although Dr Verapan , graduated in Germany, gives international demos about new developments in his field, his medical skills were not appreciated by the Dutch knowledge economy. And those two injections ( transforaminal epidural steroid injection and Intraarticular facet joint injection at Left L5-S1 as well as Discography) although Amphia Breda (and many other NL and B zhsen) also performs them and gets them billed,…. know that they did NOT correspond to the current state of knowledge and technology.
By the way: CZ had also rejected these declarations of injections, referring to… the NZA. Yes, and that with a promotion about the value of these injections at Erasmus R'dam.
After all, as a government agency you are above every law and worldwide scientific research and use.
ALL claims, E 3750 in total, were therefore rejected. However, a few months later, with the Thai MRI scans and research results, it was decided to have a double back operation in AZ Klina, Brasschaat, a VGZ contractzhs, and so .. everything was paid (except for the used MRI scans, etc., of course).
The only CERTAINTY you have with an INSURANCE is that you CERTAINLY lost the premium paid. Any compensation is only out of courtesy.
Nice all that reactive for you and your father who wants to go to Thailand.
This way you can find out what is best for you personally.
I'll tell you what I did and you can see for yourself.
In 1999 I was 7 months to try out in Thailand, my own house was still in the Netherlands
First in the middle rented apartment for 2 months then 2 months in Phuket guest house then 3 in pataya this is personal but I didn't like it there.
in 2000 I want to try again, but then immediately rented a house in the north Changmai, there I met my neighbor who also had a house.
And I liked it there.
In 2001 I said in consultation with children that I want to sell my house and buy a chalet on a campsite and whether there was any objection that I would be registered with them, no problem, so I sold my house and bought a chalet 25000 euros staged 2000 euros pj ex water and electricity that is about 4 to 5 euros for 500 to 600 months. If you still want to reduce my expenses, you can enter the whole year and remain in the health insurance in the Netherlands.
In 2009 after first calculating everything regarding the tax, but more about this later
In September 2009 I sold my chalet and bought a mobile home 4500 euros beautiful mobile home but can only be used from April to October 1. costs 1600 euros all including 3 star camping.
Go to the flea market on King's Day this year to get rid of as many things as possible that I don't use. I plan to get rid of everything in 3 years and then be in the Netherlands 1 time pj 2 months with each child 1 month.
Here's something about tax, which I really like that you can now make a calculation via the computer, both as written out and in written
First as written out have an AOW and an ABP pension
Pay to taxes with my income the 2st and XNUMXnd write.
Then I pay to health insurance 360 pm
for the rest nothing more, everything is off that my disposable income.
Now registered.
My income the 1st and 2nd bracket
Then I pay the AWBZ and AWW premiums
Then the health insurance about 140 eur pm
Then a small amount of 130 pm will be automatically deducted from my ZVW
Do the math, it really doesn't matter what your disposable income is whether you are registered or deregistered in the Netherlands.
What does matter is if you have a rental house in the Netherlands and all together that is still 800 euros per month
But if you are registered with someone, there is also a disadvantage, so I bought a mobile home and still have your own life during that time, because 4 or 5 months is a long time at someone's house, but those are the rules of the Netherlands
Dear John,
Yes, it is always better to fly up and down to the Netherlands every year, and then live in our great country for 4 months with the rules.
I think if you just talk to your Dutch health insurer, they will be able to tell you exactly what is possible in your case….
Yes, it will certainly become more expensive, but then you can live peacefully in beautiful Jomtien.
I wish you the best of luck, and I'll talk to you soon.
John.
John. Thank you for your quick reply………I had already had this advice once before. So I'll have a chat...
Incidentatlly ; I don't like to go that "negative" frog country anymore. Why ?? I need some for that.
Does not matter. It's different for everyone.
Thank you dear John. I hope to meet you soon (from June). Maybe at the ned clique in JT????
Greetings Harry
There's only one word for It can't be. I know that 100% because I've already tried it myself.
Hi Roy,
read my previous comment. after 8 months back to the Netherlands and leaving again a week later. Obviously being registered in a municipality with a residential address and of course also paying Dutch taxes etc. ……
Dear Bob.
Unfortunately I can't find your previous comment.
I know about 8 months abroad, but then you have to stay in the Netherlands for 4 months.
Would you mind telling me how you do that?
I myself want to live permanently in Phitsanulok, with as short a stay as possible in the Netherlands.
And remain registered in the Netherlands
You can also email me at [email protected]
thanks in advance
computing
what I wrote before.
was registered as a residential address with my daughter
Bought a mobile home 4500 euros pay on pitch 1600 euros may only stay in the Netherlands from April 1 to October 1 for 4 to 5 months.
I don't know what Bob does, but everyone has to know that for themselves, only for the municipality you can only go abroad for 8 months.