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Gida » Tambaya mai karatu » Inshorar Lafiya Mai araha Wanne Zan Zaba?
Inshorar Lafiya Mai araha Wanne Zan Zaba?
Yan uwa masu karatu,
Game da mai araha inshorar lafiya A matsayina na ɗan shekara 67, yanzu ina da zaɓin waɗannan biyun:
- Expat Insurance tare da murfin €12.500 - ƙimar shekara-shekara € 450
- Regency don Expats tare da murfin 400.000 Thb murfin mara lafiya da murfin mara lafiya 40.000 Thb - ƙimar shekara-shekara 47.500 Thb = € 1.330
Ina mamakin ko akwai masu karatu waɗanda suka zaɓi ɗaya ko ɗayan kuma idan haka ne… me ya sa kuka zaɓi ɗaya akan ɗayan?
Gaisuwa,
Karel
Dubi ko wane daga cikin kulake guda biyu za ku iya korar idan kun bayyana farashin. Irin waɗannan rahotanni suna yawo game da Assudis a cikin kafofin watsa labarai; Ban san ɗayan da sunan ba. Hakanan yana da mahimmanci wanda ƙungiyar za ku tabbatar idan kuna da cututtukan da ke akwai ko tarihin likita, da kuma ko suna da shekaru na ƙarshe, misali 70 ko 75 da sama.
Farashin jemagu 47500 don ɗaukar nauyin 40.000 baht. Wani abu ba daidai yake ba, ina tsammanin.
Bugu da kari, expat ne atm. Ta yaya za su yi tafiya a Thailand don fitar da mu? ?
Karanta 40k fita da 400k in.
Matt, sake karantawa. Inshorar 1st yana da arha sosai, ta hanyar, ƙasa da Yuro 40 a kowane wata. Wane kamfani ne wannan kuma yana yin inshora idan kun wuce 70?
Waɗannan manufofin inshora guda 2 ba su da ma'ana a gare ni. 400.000 THB ga asibitin duniya shine gyada. Wataƙila ba za a ba ku izinin shiga tare da hakan ba, don magana.
Ba zan iya taimaka muku da zaɓinku na sirri ba. Wasu maganganun gabaɗaya.
Kamfanonin Thai ba su da aminci idan ana batun yin fa'ida.
Rufin na iya zama kamar isa; musamman idan ka ziyarci asibitocin jihohi. Koyaya, shigar, musamman shigar da asibitin kasuwanci mai zaman kansa, na iya yin tsada sosai, ana kashe dubun-dubatar EUR a cikin wani lamari mai tsanani.
A cikin yanayin rashin lafiya mai tsanani, yana iya zama ba dole ba ne ka ziyarci asibiti a kowane lokaci, amma kana buƙatar magunguna masu tsada na shekaru; a wannan yanayin, murfin mara lafiya yana da mahimmanci.
Wasu kamfanonin inshora suna ba da garantin cewa ba za su taɓa “jefa” ku daga inshora ba, amma tare da da’awar masu tsada da aka maimaita za su ƙara ƙimar ta yadda za ku yi ban kwana ta atomatik saboda ƙimar da ba za a iya biya ba.
Idan ya cancanta, tuntuɓi AA Insurance Hua Hin ko Pattaya (Mai sarrafa NL).
Sa'a.
Inshora na tare da Inshorar AA (Premium a kowace shekara 4500+ Yuro kuma yana ƙaruwa da ƴan maki a kowace shekara) inshora ne mai kyau. Dole ne in yi amfani da shi sau biyu: cikakken biyan kuɗi…………………. Ba zan iya canza shi ba saboda ina da shekara 75. Tabbas, a matsayina na ɗan ƙasar Holland, na nemi mafita. Ba a nan! Don haka biya ko halaka.
Tabbas zaku iya zuwa asibiti mai rahusa kuma suna da kyau amma iyaka a cikin zaɓin su. Kuma ainihin, duniya, magunguna sun fi tsada a Tailandia, amma sau da yawa sun fi tsada fiye da Netherlands.
Amma idan kun yi rashin lafiya sosai sannan duk muna tunanin ciwon daji, maganin asibiti a Tailandia yana da kyau, amma yana da iyaka. Amma akwai wasu cututtuka masu tsada waɗanda ke buƙatar inshora, don haka samun inshora mafi kyau da za ku iya shine shawarata.
400000 hakika ba su da yawa amma yawancin za a taimaka musu. Na kasance a cikin rago na kwanaki 10 don aikin tiyata kuma hakan ya kashe ni 140000 baht don haka zai yi aiki tare da waɗannan 400000
A cikin Netherlands muna biyan kusan € 95 biliyan / mutane miliyan 17,2 = € 5600 kowace shekara akan kulawa. Muna biyan kanmu a bayyane: kusan € 110 * 12 ga mai insurer lafiya, € 385 deductible, 6,9% hanawa daga fa'idodi da / ko albashi kuma sauran sun fito ne daga Babban tukunyar gama gari, wanda kuma aka sani da Baitul-mali ta Kasa.
Kuma .. 1% na marasa lafiya suna kashe 25% na kasafin kudin kiwon lafiya gani https://www.rtlnieuws.nl/gezondheid/artikel/3782326/1-procent-duurste-patienten-verantwoordelijk-voor-kwart-van-de, musamman tsofaffi, duba Kula da Tsofaffi 2018 shafi na 16-tebur 3.1 https://www.rijksoverheid.nl/…/04/…kulawa…/lura-care-for-elderly-2018.pdf har zuwa €80,000 a cikin sashen geriatric.
Aiki na a Bumrungrad ( spondylo listhesis = gyare-gyaren ƙananan vertebrae biyu akan ƙashin ƙugu) an kiyasta a cikin 2010 a US $ 18-24.000. A gaskiya, akwai sauran abubuwa da yawa da za a yi. An gudanar da shi a Belgium tare da karatun Thai, saboda a cikin Ilimin Tattalin Arziki NL ba za a iya samun komai ba…
Binciken MRI na gwiwa kadai ya kai 2017THB a Thailand a cikin 10.000
A wasu kalmomi: idan Jan ya riga ya rubuta: menene kuke so ku yi da wannan € 12.500 (dukansu duka a shekara?) Ko 400.000 baht (jimlar a cikin shekara guda, ko Bahar 40.000 kashe ɗaya ko jimlar shekara) bi da bi? Kuma musamman idan sun fitar da ku bayan daya irin wannan da'awar? Ina babban sarki cobra a cikin ciyawa tare da ƙimar kuɗi na shekara-shekara na € 450 har ma da € 1330 ga wani mai shekaru 67? ?
Mai Gudanarwa: Da fatan za a amsa tambayar
Ina da assudis tun shekarar da ta gabata kuma ina da shekaru 60 kuma ba ni da alaƙa da shekaru kuma kusan babu keɓewa !!
A farkon wannan shekara na yi gwajin prostate na MRI a asibitin ramathibodi da ke BKK wanda ke biyan kudin kasashen waje sau biyu, wannan shi ne baht 60.000 don haka na bar wurin.
Daga nan kuma sai an je asibitin Bangkok domin a duba lafiyar prostate, wanda farashinsa ya kai 85.000 baht.
Assudis ya biya komai.
@ Jan, ina ganin ba'a magana cewa kin haura dubu 400.000 na wasu dare, asibitin BKK ba asibitin currant bane, ko??
@ Dylan, me ka shiga a lokacin, kada ka yi korafi har sai ka yi bayani.
Tare da inshora na AA, yawancin manufofi sun haura zuwa 70 ko 75 tare da keɓancewa.
Idan dokar Thai ta zartar da wannan kuduri na bukatar masu karbar fansho su sami inshorar lafiya, da yawa za su dawo kasarsu nan da wani lokaci.
Ina sha'awar amsoshin tambayar da aka yi. Wannan tambayar ta shafi zaɓin da aka yi daga ɗaya daga cikin manufofin inshora guda biyu da aka ambata (ko kwatankwacin). Don haka: wane zaɓi wani ya yi don ɗaya daga cikin waɗannan manufofin inshora guda biyu kuma menene abubuwan da suka faru? Don haka dukkansu manufofin inshora ne masu arha. Bana tsammanin za ku dauka cewa za a taimake ku a wani asibiti mai zaman kansa mai tsada. Ina sha'awar ko tsarin inshora na kusan € 50 a kowane wata, har zuwa € 120 a kowane wata, zai iya wadatar ga wanda ya zauna a asibitin lardi don yawancin cututtukan tsufa na yau da kullun. Ba ina magana ne game da takamaiman magunguna masu tsada ba. A kowane hali, ba na son magunguna masu tsada don dogon lokaci da rashin lafiya. Sannan muje lahira mu huta da damuwar duniya. Na yi kyakkyawar rayuwa.
Kawai don gujewa rashin fahimta tunda mai tambaya ya ambaci adadin majinyacin 400,000 baht da kuma 40,000 baht: Waɗannan su ne adadin da ake buƙata don inshora na tilas na visa NON OA. Kusan babu wanda ke da wannan bizar. Babu wajibcin inshora da ya shafi 'visa na ritaya na yau da kullun' tare da kari na zama.
Inshorar AXA Assudis inshorar balaguro ce ba inshorar lafiya ba. Don haka ana iya ƙi sabunta wannan manufar kowace shekara (duba kuma martanin da ya gabata) kuma ana iya soke shi da wuri.
Manufofin da duk kamfanoni ke fitowa ba zato ba tsammani waɗanda ke rufe adadin da ke sama duk (ciki har da Regency) suna samuwa daga gare mu. Koyaya, sau da yawa ana samun mafi kyawun madadin.
Yanzu na kuma karanta cewa manufofin AA suna tsayawa a shekaru 70 ko 75. Lallai akwai manufofi tare da ƙarshen zamani, amma kuma akwai zaɓuɓɓuka da yawa waɗanda za a iya sabunta su kawai don rayuwa.
Karin bayani a http://www.aainsure.net (kuma aka sani da http://www.verzekereninthailand.nl)
Masoyi Karel,
A gare ni zabi na 2 zai fi dacewa. Zaɓi na 1 yana da ƙarancin kuɗi ta fuskar kuɗi. Sa'an nan kuma yawanci za ku yi gyare-gyare da yawa dangane da asibiti da kuma ciwon, ba shakka.
Zaɓin na 2 yana ba da damar yin amfani da duka biyu azaman majinyaci da mara lafiya. Wannan yana da kyau, amma kuma adadin ya ragu.
Na yi wani zaɓi na dabam, a Pacific Cross kuma a matsayin mai kula da marasa lafiya kawai. Ina biyan kuɗin bincike na farko don ƙararraki da ziyarar asibiti daga aljihuna. Ina tsammanin ƙimar kuɗi ga marasa lafiya a waje yana kan babban gefe tare da inshora na.
Ina biyan kuɗi sama da baht 51.000 a kowace shekara.
Matsakaicin ɗaukar hoto na a matsayin mara lafiya shine iyakar baht miliyan 2 don ƙarar rashin lafiya a kowace shekara. Matsakaicin aiki shine 140.000 baht. Bayar da gado da daki shine 7000 baht kowace rana da kulawa mai zurfi 14.000. Matsakaicin biyan kuɗin asibiti a kowane hali a shekara 70.000 baht. Sannan mafi girman biyan 200.000 baht a yayin wani hatsarin da ya haifar da mutuwa ko lalacewa ta dindindin.
Ni ma ina fama da wannan batu.
Vwb Assudis expat inshora na Yuro 450 / shekara. A baya na duba wannan tare da su ta hira. Ga mutanen Holland waɗanda aka soke rajista, yakamata ku tambayi kanku ko kuna son wannan. Wannan kamfani na iya yanke shawara (a cikin shawarwari da likita a Thailand) don mayar da ku zuwa ƙasarku ta asali idan akwai tsada.
Sa'an nan kuma dole ne ku tabbatar da cewa kuna da inshorar lafiya wanda za ku iya komawa baya. A cikin hali na NL. Sannan dole ne ku sami damar yin rajista lokacin isowa, ɗaukar inshorar lafiya sannan ku je asibiti. Wannan ƙari ne mai kyau idan za ku iya kula da zk a cikin ƙasarku.
Ban san inshora na 2 ba. Kuna iya zaɓar wannan (kuma don biyan visa (wataƙila ƙarawa daga baya)) kuma ku ci gaba da bankin alade idan 400k bai isa ba.
Ni da kaina na je wani kamfani inda matata ke da inshora (rayuwar Thai) don zance. Haɗin kai tare da inshorar rai da bankin Bangkok wanda ke ba da inshorar AIA. Ba tsada a cikin kanta ba, amma ƙari yana iya zama cewa an daidaita ƙimar kuɗin bayan kun yi rashin lafiya. Har yanzu ina matashi kuma ina cikin koshin lafiya.
Dukansu suna tsayawa a shekara 80. Wataƙila wannan iyaka kuma za a haɓaka tare da tsufa na al'ummar Thai.
Har yanzu ina buƙatar gano abin da nake so.
An ba ni inshora tare da Assudis shekaru biyu yanzu, sau biyu sun biya ba tare da wata matsala ba tsawon watanni hudu!, na farko gallbladder ya cire wanka 350.000 sannan kuma ciwon daji na cizon sauro na dare 8. kowane lokaci a asibitin Pat.Bangkok. Sannan sun biya kusan 240000 baht. Ina da shekaru 79.
Daga ina waɗannan jita-jita suka fito? A halin yanzu, wasu abokai kuma sun sami inshora!
wurin zama
A Brussels!
Idan da gaske da gaske kuma idan zai yiwu zan yi tafiya zuwa Belgium, inda za a iya shigar da ni nan da nan!
Na kuma yi Assudis tsawon shekaru 2, ban taba samun matsala ba. An riga an biya 2x. 1x don karaya na wuyan hannu da lokaci na biyu don gwajin gastro da ciwon hanji 2x, cire polyps.
Har zuwa Yuro 12.500 za a biya kowace harka.
Kafin haka ina da inshorar AIA kuma na biya da yawa kuma suna biyan kashi ɗaya kawai dangane da lamarin.
Wannan inshora yana aiki ne kawai a Thailand, ba a Belgium ba. Idan na sami wani abu mai tsanani, zan koma Belgium in sami asibiti a can.