Ni dan Holland ne, ina zaune a Belgium kuma zauna a Thailand, ina da tambayoyi game da inshorar lafiya da inshorar balaguro
Yan uwa masu karatu,
A matsayina na ɗan ƙasar Holland mai ritaya, ina zaune a ƙasar Belgium kuma ina da alaƙa da Mutuality masu sassaucin ra'ayi dangane da Mutuality.
Ina zama a Tailandia na tsawon shekara kuma na ɗauki cikakkiyar tsarin inshorar balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguron balaguro da bala'in ya shafa.
Ina karɓar fensho na ABP da fensho na jiha wanda ake biyan haraji a cikin Netherlands - don haka ba na biyan haraji ga Belgium. SVB ta amince da Belgium a matsayin ƙasar zama ta.
Yanzu na sami sako daga Mutuality wanda ya ba ni matsayina na mai ritaya wanda ba ya biyan haraji a Belgium, babu buƙatar zama memba na Mutuality. Koyaya, don samun damar ci gaba da ci gaba da inshorar balaguro a Belgium, dole ne in tabbatar da cewa ina da alaƙa da asusun inshorar lafiya (a matsayina na ɗan ƙasar Holland da ke zaune a Belgium, ba zan iya ɗaukar inshorar balaguro mai ci gaba a cikin Netherlands ba?) .
Kamfanin inshora na kiwon lafiya na Belgium baya biyan kuɗi a wajen Belgium, misali Thailand. Amma inshora na tafiya yana da kyau ga hakan tare da iyakar € 6.000 a kowace shekara - ƙimar shekara-shekara € 000. (na Turai ina da katin EHIC).
Na gamsu da tsare-tsare na yanzu, amma har yanzu ina da tambayoyi guda biyu:
- Shin akwai kamfanin inshorar juna a Belgium wanda kuma ke biyan kuɗi a Thailand, misali?
- Shin akwai cikakkiyar tsarin inshorar balaguro a cikin Netherlands wanda zai iya ba wa 'yan ƙasar Holland da ke zaune a Belgium cikakkiyar inshorar balaguro a kowace shekara (misali, watanni 6 sau biyu)?
Gaisuwa,
Wim
Wim, zaku iya fitar da cikakken tsarin inshorar balaguro na Dutch anan, idan kuna zaune a Belgium: https://www.reisverzekering-direct.nl/speciale-reisverzekeringen/reisverzekering-woonachtig-belgie/
Kuna da inshora na matsakaicin kwanaki 180 a jere. Don haka ba za ku iya zama a Tailandia na tsawon kwanaki 180 ba, amma idan kun tashi komawa Belgium, kuna iya zama na kwanaki 180 kuma.
Na gode Peter, an riga an tuntube shi kuma hakika wannan inshora bai kai rabin abin da nake da shi ba.
Amma tambayar ku ta 1.
Babu wani kamfanin inshorar juna na Belgium wanda ya rufe zaman watanni 6 a Thailand.
Dangane da zaman na tsawon watanni 3, kawai kamfanin inshora na Socialist (De Voorzorg da Bond Moyson) yanzu ya rufe wannan zama ta hanyar Mutas. (Wataƙila kuma asibitin layin dogo saboda sun yi kama da SocMut))
Duk sauran kamfanonin inshora na kiwon lafiya, gami da Thailand, sun cire ɗaukar hoto tun daga 2016/2017, na yi tunani. A can yanzu yawanci ya iyakance ga Turai da ƙasashen Bahar Rum da kuma yankunan ketare na ƙasashen Turai kawai.
duba CM a matsayin misali https://www.cm.be/media/Geografische-dekking-CM-reisbijstand_tcm47-24482.pdf
(Syriya)
A cewar gidan yanar gizon SocMut
Maida kuɗin magani
......
– kun kasance na ɗan lokaci a ƙasashen waje don dalilai na nishaɗi. An iyakance lokacin zuwa iyakar watanni 3 a cikin tsawon shekara 1.
https://www.devoorzorg.be/antwerpen/voordelen-advies/terugbetalingen-ledenvoordelen/In-het-buitenland/op-reis/Medische-zorgen-in-het-buitenland/Reisbijstand-Mutas/Pages/default.aspx#tab=ctl00_PlaceHolderMain_hreftab2
Da kuma bisa ga ka'idojin SocMut tare da Mutas.
2.2 Yanayi
... ..
c. Zama na ɗan lokaci a ƙasashen waje yana da halayen nishaɗi kuma baya dorewa
fiye da watanni 3
https://www.devoorzorg.be/SiteCollectionDocuments/Formulieren/300/StatutenMutas.pdf
Idan yana sha'awar ku.
Ni da matata muna da AXA Assistance Excellence Family.
Wannan yana da daidaitaccen murfin watanni 6 na ci gaba da zama, amma na sami wannan tsawaita zuwa watanni 9 na ci gaba da zama.
An cire min wasu abubuwa daga daidaitattun kwangilar saboda an riga an ba ni inshora a kansu (warkewar tafiya / kaya,…), ko don rashin amfani (marasa manufa) (Mota).
Wannan yana nufin cewa ni da matata za mu iya zama a Tailandia na tsawon watanni 9 ba tare da katsewa ba kuma muna biyan Yuro 304 kowace shekara a matsayin iyali (ciki har da tsawaita zuwa watanni 9 = +75 Yuro).
Zai karu daga shekara mai zuwa, saboda daga nan zan kara shi zuwa watanni 11 sannan kuma zai iya kashe kusan Euro 825 na iyali (Ni da matata).
https://www.assudis.be/nl/excyeargen.aspx
https://www.assudis.be/nl/excyearwar.aspx
https://www.assudis.be/nl/excyeartar.aspx
https://www.assudis.be/files/nl/pdf/Tech-Reference-Excellence-042017-NL.pdf
Wataƙila zai taimaka muku (ko wasu masu karatu)
Tambayi Ronny,
Na gode da cikakkun bayanan ku.
Wannan inshora na AXA, kuna fitar dashi a Belgium ko a Thailand?
Na kammala wannan a ofishina na AXA da ke Mechelen.
Ina mamaki….
Ban san yadda yanayin ku yake ba, domin idan ba ku da alaƙa da asusun inshorar lafiya a Belgium, ta yaya za ku sami kuɗin kuɗin likitan ku, kuɗin asibiti da magunguna?
Wallahi Ronnie. Ina da katin EHIC (CAK) mai aiki ga duk Turai. Don haka a Belgium ba sai na biya kudin likita ko asibiti ba, abin da CAK ke yi kenan. Idan akwai abin cirewa ko kuma idan magani a Belgium ko wata ƙasa ta Turai ya fi na Netherlands tsada, dole ne in biya CAK.
Kuna neman inshorar balaguro wanda ya shafi watanni 2x6. Ka tuna cewa tare da zama na dogon lokaci a Tailandia, idan akwai da'awar, ana iya yin tambayoyi game da tsawon zaman ku da ainihin wurin zama.
Dama yana zaune a kasar waje......
Shin yana da mahimmanci ga Netherlands ko wannan Belgium ne ko Thailand?
Ga Belgium, da wurin zama a can, sai dai ya kai rahoton rashin zuwansa ga gundumarsa idan ya yi sama da wata 6 a adireshinsa da kasa da shekara guda. Sannan za a ɗauke shi a matsayin "ba ya nan na ɗan lokaci", amma wannan matsayi ne kawai na gudanarwa kuma ba shi da wani sakamako ga wani abu.
Sai dai idan zai kasance ba ya cikin adireshinsa sama da shekara guda ya kamata ku soke rajista
(sai dai wasu kungiyoyi. Alal misali, na yi aiki a Rundunar Sojan Ruwa na Holland na tsawon shekaru 3, amma ban yi watsi da rajista daga gundumar Belgian ba saboda ni sojan Belgium ne. Don haka na ci gaba da zama "ba a nan na dan lokaci" na tsawon shekaru 3 a tsarin mulki. Wannan yana ɗaya daga cikin ƙungiyoyin keɓanta ga wannan ƙa'idar.)
Daidai sosai, haka aka bayyana mani lokacin da nake zaune a Belgium (ya riga ya zauna a can tsawon shekaru 27).
Janbelg
Har zuwa yanzu, ƙungiyar Moyson (mai ra'ayin gurguzu) har yanzu tana biyan kuɗi a wajen Turai
Jan
Har zuwa matsakaicin matsakaicin watanni 3…. ga amsata ta baya.
Don haka ba shi da komai idan yana son tafiya wata 6
Na san wani Fleming wanda ke zaune a Bangkok duk shekara kuma an biya shi duk farashi a Eurocross ta hanyar Bond Moyson. Tun daga lokacin ya mutu sakamakon cutar daji.
Ni da kaina ma memba ne na BM kuma ba a taɓa bincika buƙatuna na biyan kuɗin magani na tsawon lokacin da na zauna a Thailand ba, wanda yawanci sau biyu ne watanni 5.
Shin kuna da inshorar balaguro tare da VAB kawai don kasancewa a gefen aminci.
Yi haƙuri, Eurocross yakamata ya zama Mutas.
Haka ne, duk mun san wani wanda yake tare da wanda ya bambanta…. Kuma abin da yake, saboda haka ba…. Bugu da kari, kowane fayil na kasashen waje an yanke shawarar daban kuma har yanzu akwai bambanci tsakanin farashin asibiti na gaggawa da farashin marasa lafiya.
Don haka ba zan yi imani da makauniyar cewa za su biya komai ba kuma tabbas ba za su shiga tsakani a wurin ba har tsawon watanni + 3.
Sauran kudaden haɗin gwiwar ba sa yin na ƙarshe daga ranar 1, ta hanyar.
Kuma yana da kyau su fara mayar da abubuwa har sai an ba ku izinin biyan kuɗin shiga mai tsanani daga aljihun ku kuma za ku iya fara aiwatar da komai ko kuma ku tsara yadda za ku dawo gida. Kuma ba za su mayar da na baya ba. Tabbatar da hakan.
Don haka ƙarin inshorar balaguro ba abin mamaki ba ne.
Af, kamfanin inshorar balaguro kuma zai fara tuntuɓar kamfanin inshorar lafiyar ku kuma zai mayar da kuɗin waɗannan abubuwan da kamfanin inshora na ku bai biya musu ba. Don haka dole ne ku kasance masu alaƙa da asusun inshorar lafiya don ɗaukar inshorar balaguro na gargajiya.
Amma taimako Mutas.
Anan an bayyana a fili cikin baki da fari menene sharuddan taimako daga Mutas kuma daga nan sai ku tafi. Ya shafi SocMut kawai (Bond Moyson da De Voorzorg)
Af, De Voorzorg da Bond Moyson daidai suke. Dukansu sun faɗi ƙarƙashin SocMut.
Bambancin kawai shine Bond Moyson na Gabas da Yammacin Flanders ne, da De Voorzorg na Antwerp da Limburg.
Na canza hanyar haɗi zuwa Bond Moyson. Ba sai na gyara rubutun ba domin iri daya ne.
A cewar gidan yanar gizon SocMut Bond Moyson
Maida kuɗin magani
......
– kun kasance na ɗan lokaci a ƙasashen waje don dalilai na nishaɗi. An iyakance lokacin zuwa iyakar watanni 3 a cikin tsawon shekara 1.
hhttps://www.bondmoyson.be/ovl/benefits-advice/reimbursements-member-benefits/In-het-buitenland/op-reis/Medical-zorgen-in-het-buitenland/Reisbijstand-Mutas/Pages/default. aspx# tab=ctl00_Place HolderMain_hreftab2
Hakanan kuma bisa ga ka'idodin SocMut (Bond Moyson) tare da Mutas.
2.2 Yanayi
... ..
c. Zama na ɗan lokaci a ƙasashen waje yana da halayen nishaɗi kuma baya dorewa
fiye da watanni 3
hhttps://www.bondmoyson.be/SiteCollectionDocuments/Formulieren/300/StatutenMutas.pdf
Misali, zaku iya ɗaukar inshorar asibiti tare da DKV. An rufe komai?
Ni dan Holland ne da ke zaune a Netherlands amma koyaushe ina aiki a Belgium har zuwa ƙarshen shekara (65) na inshora tare da FSMB (ta hanyar ofishin Diest saboda a Leuven da Brussels = babban ofishin mutane ba sa magana da Yaren mutanen Holland da kyau).
Kuna da ƙarin inshora a can kuma tare da ni tun 2004, ana biyan kuɗi kawai???
Har ila yau yana da nasa sharuɗɗa da iyakancewar lokaci.
DKV yawanci baya ɗaukar zaman ƙasar waje fiye da watanni 3. (Wataƙila wasu keɓancewa)
Ba don komai ba ne suka rubuta wadannan a gidan yanar gizon su.
“Lokacin da kuka zauna a ƙasashen waje, kun cancanci mafi kyawun inshorar lafiya. Idan za ku tafi kasashen waje na tsawon watanni uku ko fiye, muna ba da shawarar Lafiya ta Duniya."
https://www.dkv.be/verzekeringen/ziekteverzekering-buitenland
Komai yana da farashin sa ba shakka.
Bugu da ƙari, yanzu, a matsayin ɗan fansho, don shiga DKV…..
Zai fara zama gwajin likita tare da ƙila keɓancewa, lokacin jira da ƙimar shekara-shekara ma ba za ta yi kuskure ba.
A matsayina na soja, ni (da matata) na kasance ina samun inshorar asibiti ta rukuni tare da DKV ta hanyar Tsaro.
Na soke lokacin da na yi ritaya saboda har yanzu ba ta da ma'ana a gare mu.
Daga cikin abubuwan da ta kunshi;
Haɗin zai iya faruwa ne kawai gwargwadon mutanen da za a haɗa:
- Kasance ƙarƙashin kuma ku amfana daga Tsaron Zaman Lafiya na Belgium
– Kasance da mazauninsu da zama na dindindin a Belgium ko a cikin ƙasa mai iyaka da Belgium
Haɗin kai zai ƙare idan kun zauna a ƙasashen waje fiye da watanni 3 marasa yankewa.
https://cdsca-ocasc.be/sites/default/files/content/DKV_HOSPIT/2018/bijlage_1_-_samenvatting_defensie_nl.pdf
Zai fi kyau ku karanta sharuɗɗan ku a hankali….
Don bayanin ku.
Ba ni da komai sai yabo ga lokutan da na yi kira ga DKV a Belgium don zaman asibiti. Komai an tsara shi koyaushe har zuwa daki-daki na ƙarshe.
Masoyi Wim,
Kuna da kwangila tare da kowace manufar inshora?
A Belgium, bond moyson har yanzu yana rufe kai tsaye, watau suna biyan kuɗin ku idan an kwantar da ku.
CM ya dakatar da biyan kuɗi kai tsaye a ranar 01/01/17. Za ku biya kuɗin ku, amma dole ne ku fara biya komai da kanku, idan kuma sannan ku kwatanta su da kuɗin da ake yi a Belgium, kuma ba za ku taba samun biya fiye da abin da ake biya ba. a Belgium.
Ni da kaina sai da aka zubar da zuciya a asibitin bkk-pty na kudin baht 1.000.000, a AZ Bruges 6000 euros. Sai suka ce ba a ba ku izinin tashi sama ba, farfesa na AZ Bruges ya kawo fayil ɗin likita ya ce in yi tsalle. a fusace haka aka yi.
Fernand tare da Liberale Mutuality da ci gaba da inshorar balaguro tare da taimakon Europ. Amma a Belgium da sauran ƙasashen Turai suna amfani da katin EHIC dina (Katin Inshorar Lafiya ta Turai). Don haka bana bukatar juna. A Belgium ne kawai don samun damar ɗaukar inshorar tafiya na.
Akwai wani abu a nan a cikin wannan labarin da ya sa ni shakka.
Schrijver ya ambaci cewa yana karɓar AOW da fensho daga Netherlands kuma yana biyan haraji a cikin Netherlands. Har zuwa yanzu duk lafiya…. AMMA…. akwai wani abu da ya fi jin daɗin kula da lafiya a Belgium: RSZ (National Social Security). Haɗin kai yana aiki ne kawai a matsayin 'mai biyan kuɗi na ɓangare na uku', kuɗin ya fito ne daga Ofishin Tsaron Jama'a na ƙasa. Duk wanda yake so ya amfana da wannan dole ne ya kasance ƙarƙashin tsarin tsaro na zamantakewa ko, idan ba shi da kuɗin shiga na kansa, a yi masa rajista tare da wanda yake (misali yara, matar da ba ta aiki….). Ana cire Ofishin Tsaron Jama'a na Ƙasa kai tsaye daga fensho, har ma na masu karɓar fansho, kafin a ƙididdige haraji.
Yana yiwuwa koyaushe ku shiga asusun inshorar lafiya, amma wannan baya nufin cewa kuna da damar samun fa'idodi. Yana da al'ada cewa marubucin ya karɓi wasiƙa daga kamfanin inshorar lafiya cewa ba lallai ne ya biya wannan gudummawar ba, saboda mai yiwuwa ba ya bayar da gudummawar tsaro (13.07% na babban kuɗin shiga) a Belgium, sai dai idan ya biya ta. nasa himma, wanda ina shakka , ba ya da hakkin a mayar da kudi ta wata hanya.
Inshorar lafiyar ku ya kasance mai aiki
---------------
Duk ƴan ƙasar Belgium waɗanda ke biyan gudummawar inshorar lafiya suna rufe da inshorar lafiya ta wata hanya. Don haka koda kana kasar waje sama da wata uku.
An yi yarjejeniya tare da kasashen da ke cikin yankin Turai. Za a mayar muku da kuɗin ku - kamar a Belgium - wani babban ɓangaren kuɗin kula da lafiyar ku. Nemi katin inshorar lafiyar ku na Turai daga asusun inshorar lafiyar ku a gaba. Ta wannan hanyar koyaushe kuna da garanti a cikin aljihun ku. . Yana aiki a duk ƙasashen EU, amma kuma a Iceland, Norway, Switzerland da Liechtenstein.
Idan kun yi tafiya a wajen Turai, biyan kuɗin ku na likitanci zai dogara ne akan ƙimar Belgian. Dole ne ku yi hankali a nan saboda farashin da ake cajin na iya bambanta sosai da farashin da ake amfani da su a cikin ƙasarmu. Misali, idan kun yi tafiya zuwa Amurka, za a caje ku fiye da kima. Amma saboda haka kuna da haƙƙin ƙimar Belgian.
Asibiti na asibiti ya kasance yana aiki
------------------
Inshorar asibiti ta shiga kasashen waje. Kudin da ake biya a waje daban da na gida. Amma hakan ba shi da alaƙa da tsawon zaman ku.
Dawowar Mutas ɗinku zai tsaya bayan wata uku
--------------------
Taimakon balaguro na Mutas shine ginshiƙi na biyu na asusun inshorar lafiya. Taimakon likita ne na duniya wanda kuma ke ba da komawa Belgium. Gudunmawar Mutas tana aiki ne kawai na watanni uku a shekara. Idan kun yi nesa da fiye da watanni uku, kun koma kan inshorar lafiya na tilas.
Don haka ina ɗauka:
Idan "Belgian" ko "ba-Belgian" yana da alaƙa da asusun inshora na kiwon lafiya, koyaushe za ku karɓi kuɗi. "Mutas" kawai ba ya taimaka muku a ƙasashen waje kuma dole ne ku biya duk takardun kuɗi a gaba, wasu daga cikinsu za ku dawo.
Source:
https://radio2.be/de-inspecteur/langer-dan-3-maanden-in-het-buitenland-hier-moet-je-op-letten
Masoyi Wim,
Na karanta cewa ana biyan kuɗin AOW ɗin ku a cikin Netherlands kuma saboda haka ba ku biya haraji akansa a Belgium, yayin da kuke zaune a Belgium. Amma sai wani abu yayi kuskure.
Mataki na 18 na yerjejeniyar haraji sau biyu da aka kulla tsakanin Netherlands da Belgium ta tanadi kamar haka:
Mataki na 18. Fansho, shekara-shekara, fa'idodin tsaro na zamantakewa da biyan kuɗi
o b. Fansho da sauran fa'idodi, na lokaci-lokaci ko a'a, da ake biyan su bisa bin dokokin zamantakewar wata Jiha mai kwangila ga mazaunin wata Jiha mai kwantiragi ba za a iya biyan haraji ba ne kawai a cikin jihar da aka ambata ta ƙarshe.