Experiences with the “Assudis expat insurance”?
Dear readers,
I would like to find out what the experiences are with the “Assudis expat insurance”. Has anyone already used the option “cover up to 1.000.000 euros” by paying an additional 50 euros?
The conditions of the cover up to 1.000.000 euros state that they guarantee this cover provided, I quote: Depending on the option chosen, the guarantee is valid for the entire duration of the stay abroad. It is limited to EUR 12.500 or EUR 1.000.000 per claim and per insured person, insofar as this person is insured with the DOSZ or another provisional institution. In the absence of cover from DOSZ or another Social Security organization, the guarantee is limited to EUR 12.500. An exemption of 50 Euro per claim will be deducted from the amount due.
So my specific questions are:
Are there people who have been deregistered from Belgium and who have already received reimbursement of medical costs above 12.500 euros? This through the insurance “expat Assudis”
Does a hospitalization insurance that covers worldwide (when deregistered from Belgium only partly covers worldwide in my case) also fall under a social security mechanism so that I can enjoy coverage up to 1.000.000 euros.
Or do they mean that they guarantee this cover up to 1.000.000 euros if you are still medically insured in Belgium? Because I can imagine that there are people who leave the country before their retirement and are no longer in line with health insurance and no longer make contributions in Belgium and that they exclude them from coverage up to 1.000.000 euros.
I already know about refunds below 12.500 euros, but does anyone have experience with amounts above this and if so, what form of social security did they have?
Let me summarize the conditions:
- Assudis expat 500 euros per year.
- Deregistered from Belgium.
- Repayment above 12.500 euros.
Thank you in advance.
Regards,
Philippe
First check if you are entitled to DOSZ, I am insured with Assudis Expat but since I cannot claim DOSZ I have to be satisfied with the normal amount of 450 euros per year and there will be many here in Thailand if you have a find a way to get that 50 euros extra let me know.
I don't know Assudis, and neither do DOSZ, but it seems to me that you are insured for a maximum amount of 12.500 euros insofar as this is not reimbursed by DOSZ.
That seems like quite a profitable trade for Assudis to me.
Furthermore, I would first find out what the definition of “expat” is at Assusis.
There are a number of definitions of this, but it is often assumed that you also work in the country where you are going to live.
For someone with a pension, that insurance is of no use to you.
Source Wikipedia: An expatriate or expat for short is someone who temporarily resides in a country with a different culture than the one with which he grew up. They are usually seconded by their employer, although some also apply directly to a foreign employer. They should not be confused with immigrants.
Assudis applies the country of origin and country of residence standards.
You are an expat insured for them in your country of residence (e.g. Thailand and only accepted as an insured person if you are insured in your country of origin (e.g. BE. or NL or other) in the national health insurance (nanny state's)
That is why they have also built in that repatriation option, so they can pass the buck to your country of origin's national health insurance, once in your country of origin there is no more intervention on their part.
This seems more like a: travel, repatriation and accident insurance.
Where the main insurance is in 'home country'.
First check if you are entitled to DOSZ (must have paid for at least 16 years) I receive a pension monthly from DOSZ but have not paid for 16 years) that is why I do not get that 1.000.000 euro scheme and have to pay 450 euros to be insured for 12.500 euros (if I'm wrong let me know; info Assudis)
Regards,
Eddie.
It might be best to first find out what the 'DOSZ' is.
Meaning: The Overseas Social Security.
To be connected you must be an 'EXPAT'…. a term that is used incorrectly by many here. You are only an 'expat' if you are 'employed' in a country other than your home country by a company with a registered office in your home country or, in our case, the European Community. otherwise you are not an expat.
So to enjoy that high coverage, with an additional payment of 50EU, you have to be an EXPAT and as a pensioner you are NOT.
see following link:
https://www.international.socialsecurity.be/social_security_overseas/nl/home.html
The term expat or emigrant explained in more detail by an insurer.
Beware: You cannot immigrate to Thailand with one exception. Almost everyone is only temporarily in Thailand. Hence the non-immigrant status that most of them have. You can therefore also use this status to motivate your temporary stay. Although this insurance below even includes permanent residence under expat.
https://www.expatverzekering.nl/voor-vertrek/expat-emigrant.
Where banks or insurers make a distinction between people who have immigrated to a foreign country and so-called expats who may be temporarily staying somewhere, I can advise you to appeal to the status of expat. Show your immigration status. NON-IMMIGRANT.
As Ruud says, you must be a member of the DOSZ, this is the Overseas Social Security, part of the National Social Security Office (RSZ)
This is not correct, you may be a member of DOSZ, but they clearly state that another form of social security or provision can also offer this coverage. however I do not know which one and I would like to know.
As a Dutchman I have the same Belgian insurance and indeed under the same conditions.
Worldwide coverage (except in Holland)
I have been deregistered from Holland, so no basic medical insurance, only 12500 euros per event, I understand, not on an annual basis and that against a premium of 450 euros per year
If I'm wrong, I'd love to see the comments
Fortunately I have never had to claim and hope not to do so for the rest of my life
Groet
Piet
But if I understand correctly, as a Dutchman you must have a Belgian postal code if you want to be insured.
Or am I wrong about that???
No Caspar, the policy is not only for Dutch people but for all Dutch people and I had the policy with a Thai zip code because I lived in Thailand at the time. But I didn't need the policy.
iid Casper,
with having a Belgian zip code you are not there at all and you are mistaken. You must be subject to social security in Belgium and as a Dutchman, with only a Belgian zip code, you are not. That would be easy, quickly make an address in Belgium and enjoy Social Security without paying for it.
How is it possible that the Dutch speak here, that they do have insurance there???
Do they have a Belgian zip code or as Erik says a Thai zip code??
How can that be explained then you can't work out with being social security in Belgium and making an address in Belgium, don't want to enjoy your Social Security at all, by the way, I have a very good insurance, perhaps even better than described above!!!!
I am insured with assudis and deregistered from the Netherlands since 23 years.
In my case it concerns an amount below 12.500 Euro.
This year I underwent an operation in the Udon Bangkok Hospital and this amount, 90.000 baht, was transferred directly to the hospital after consultation between me and the hospital and the insurer, I only had to place a signature.
When I returned home I immediately received an email from assudis that on a subsequent visit they will also pay the costs in case I have to return again for an examination or intervention.
I do think they have an agreement with the Bangkok hospitals because they probably use about the same amounts as in the Netherlands or Belgium.
I first went to the Ramathibodi hospital, especially for cancer, but because they charge double for foreigners there, I went to the BKK hospital, I still have to get the bill from that first hospital back.
So far I am at least satisfied with this insurance.
I myself was always hesitant because the amount is fairly low and whether this would work out.
Now the other insurers will say that this is only a little on the operation costs, but with this insurance you are insured without exclusions and you will be hired at any age!!!.
Hi Andre,
I have also read and heard a lot of good things about this expat insurance from Assudis, which is why I wanted to ask whether anyone had experience with an amount above 12.500 euros.
For amounts below 12.500 euros, this insurance is ideal, but for amounts above it, I find their conditions very unclear because they state that you must be insured through DOSZ or, here it comes: ANOTHER SOCIAL SECURITY ORGANISM.
So they put under another social security organization, Thai health insurance? a Belgian hospitalization insurance that covers worldwide (but partly, so not for the entire costs) or do they refer to that if you are still insured in your home country, this is sufficient?
I hope to get a response from someone who has already enjoyed a refund above 12.500 euros so that there is some clarity about the conditions they impose.
Regards Philippe
Was that an "emergency operation"?
You talk about cancer treatment but assudis is only accident and repatriation insurance, right?
Dear, Al's member of assudus but all removed after a year.
Due to an operation you can only obtain insurance from
1 million If you are still registered in Belgium.
With greeting
I have also been a member of assudis for 2 years. it is stated in the contract that an expatriation can take place in the event of an emergency to your own country. upon arrival In Belgium, you can immediately benefit from the mutual benefit.
By the way, this has been confirmed by Minister M. Deblock.
I have read, heard and heard a lot about the Assudis expat insurance, but the conditions remain very unclear to me.
Also in the reactions of the people I can see that many have this insurance but do not know exactly how they are now or can be insured above 12.500 euros.
also countless emails to Assudis have not made me much wiser as they are champions in ambiguity (like most insurers)
The summary question is therefore what they mean by another social security organization (outside DOSZ) .
Dear Marina,
what you write is completely correct regarding Belgium. However, you forget to mention that you can immediately enjoy health care (not mutuality because that is a 'third party payer') if you are subject to social security. As a pensioner you are always liable to social security in Belgium, so no problem there. However, if you want to make use of the services of a 'mutuality', you must also be a member of a mutuality (which is NOT mandatory). Don't confuse two things: health care and health insurance. If you want to use the services of a mutual insurance company, you must pay your annual contribution to a mutual insurance fund membership fee…. that is about 75EU on an annual basis.
I have been deregistered in Belgium, but if I go to Belgium for 1 or 2 months, I first go to my health insurance company to register and pay for the time I am back in Belgium and I am back with everything in order for doctors and hospitals, my Thai wife also enjoys the same concerns.
Bit wrong Lung Adie, bit but..., the mutuality helps you without payment, but you miss their extra fees or interventions eg vaccinations and others, but arrange everything from the national concerns.
I used it last year without payment , not asked by them either , just from when and until when I was in Belgium , it was entered into their computers and that was all .
You only miss their extras by not contributing, so no birth premiums, etc. (lol)
I also have Assudis expat insurance. Am retired. Pay 450 euros but cannot enjoy that 50 euros extra payment for 1.000.000 coverage.
I have been treated in hospital a few times and Assudis has always paid directly to the hospital. Even for a broken wrist.
Very much recommended.
You can always chat and ask any questions online on their website.
like I did, you can also e-mail them and then you will be clearly explained what the conditions are.
[email protected].
Please also indicate if you are retired and your domicile is outside Europe, you are still in your home country (Belgium)
You can remain insured with the health insurance companies, for example in the event of serious illness.
The 12.500 euros cover is worldwide except in your home country (Belgium)
Each medical intervention is covered each time for 12.500 euros. For example today broken hip 12.500 euros,
next week 2 broken legs 12500 euros.
An absolute must!
Last year I was treated for a stroke at the Hua Hin Hospital , and everything was paid for properly , including the aftercare , and this for only 450 euros per year .
If the health insurance fund (Belgium) intervenes, which is not for deregistered persons, they pay up to 1000000 euros
@ Peter, in my case it was the prostate and they did a biopsy to see if it was cancer, PSA was 12, luckily found nothing, it is prostate enlargement, but have to keep an eye on yourself if there are any problems for doing so, if after a few months there is no reduction or can no longer urinate, I must contact the hospital and the insurance company to have it peeled.
Thanks for your response Andre, but it does make things confusing for me.
I also have this insurance but I assume it is an accident/emergency insurance. So if you're hurling down the stairs with a broken leg or having a heart attack, etc. But surely a prostate exam isn't an emergency!p?
Experiences with the “Assudis expat insurance”?
This is what I know about this policy from Assudis, after quite a bit of searching and enquiry, what I understand about Belgium can be debatable, being a Dutchman I have not researched it exhaustively, anyone who knows better will correct, e.g. going, Lungaddie?
Assudis is a Belgian subsidiary of AXA.
This policy concerns a health care policy and travel insurance for people who do not live in their country of origin.
If you are going to live in Thailand from the Netherlands, the Netherlands is your country of origin, you will not be insured in that country.
You are insured in all countries of the world, except the Netherlands (or Belgium).
The maximum amount of damage to be insured/payable is 12.500 euros per event/claim per insured person.
The premium is 450 Euro per year.
For 50 euros you can increase the insured amount to 1.000.000 euros, but, from what I understand, you must have a basic health insurance/health insurance policy; you no longer have this in the Netherlands if you live permanently in Thailand, but you could have it elsewhere, or at DOSZ?.
This condition also seems logical to me, increasing an insured amount from 12.500 euros per claim to 1.000.000 euros for 5 euros per year is of course impossible anywhere.
For example, if you have a membership via DOSZ, Belgium, or if you work for a Belgian company abroad, you can opt for the 1.000.000 insured amount at a premium of 50 euros per year. Healthcare costs are then first paid via DOSZ/Zorgverzekeraar and, if necessary, Assudis supplements this.
The allowed duration of your "trip" to Thailand is unlimited, in contrast to travel insurance as they usually are in the Netherlands.
A family policy costs 1.150 euros per year, even if your family consists of 2 people.
You can also take out the family policy together with your Thai partner, if they are also Dutch; The advantage is that in the case of repatriation, for example, you will both be helped at the same time.
There are no exclusions based on medical history and the age of the insured person(s) is not taken into account when accepting.
Increasing the insured amount to 15.000 euros at a somewhat higher premium has been rejected by Assudis.
My thought was that if Thailand ever wanted to introduce a mandatory health insurance policy, that this policy could, continue to meet the conditions, namely IP-40.000 and OP-400.000; 12.500 Euro is now, still, at 35,– Tbh for 1 Euro = 437.500 Thb, so you could be covered for a lower Euro rate.
I'm a self-insurer, ie. I don't have a health insurance policy in the Netherlands and not in Thailand, much too expensive, 150 to 200.000 Thb per year with rising premiums as I get older. Storing the saved premiums in a separate bank account and using that as health insurance coverage suits me better, but that's another story.
I am considering this policy from Assidis, the research has not yet been fully done, but 12.500 Euro = 437.500 Thb covered at a premium of 450 Euro per year is quite favorable, at a premium of 16.000 Thb per year, sounds quite favorable.
Any addition is welcome, I hope that some questions have been answered, I expect that if someone meets the conditions and has a cover of 1.000.000 Euros, Assudis/AXA will simply pay in case of damage.
Thanks to RonnyLatYa who put me on the right track of this insurance.
Sjaakie
Insurance information:
Transport, repatriation in case of illness or accident Medical costs up to € 12.500
Organization and payment of repatriation in the event of death to the place of burial in a country within or outside the European Union.
Repatriation of the other insured persons.
Repatriation of an insured traveling alone.
Care for children in a nursing facility for 7 days.
Early return to the country of origin in the event of death or hospitalization > 10 days of a family member in a country of the European Union.
Delivery of essential medicines that cannot be found locally.
Forwarding urgent messages.
Advance payment for fees of lawyers abroad max. € 1.250
Advance for deposit abroadmax. €12.500
Dear Shakie,
Your explanation is correct as a bus and hopefully the other readers will understand it now. As a Dutchman it is a different matter as you, as a Dutchman, once deregistered, no longer have your own health insurance. We, Belgians do have that, if we are subject to social security. This basic health insurance (RIZIV) for Belgians is the condition to be able to enjoy the 450EU with cover of 12.500EU/case. So someone who does not have that cannot in fact be insured in this way with AXA.
Now that DOSZ: again that is only for EXPATS. Axa of Assudis 'CALLS' people who live abroad 'expats', but for the purposes of legislation they are NOT. An expat is (temporarily) employed abroad. That explanation that I could read here as: 'because of your Non IMM O visa you are only 'temporarily' in Thailand', that makes no sense, those are wet dreams and your own interpretations because you do not work here for a company as a seconded person, so there is a missing condition for acceptance at DOSZ.
Just try to get a DOSZ recognition if you are not employed. That won't work.
Despite this, Assudis (Axa) is very interesting. A cover sum of 12.500 EU/case is not nothing, especially for an annual premium of 450 EU.
Very good explanation Sjaakie, written with knowledge.