Tambayar mai karatu: Shin zai yiwu ku yi ƙaura zuwa Thailand da kiyaye inshorar lafiyar ku?

Haka ne, ba bambanci idan kuna da yara waɗanda bai kamata su zama matsala ba, mu ma mun damu.

Hello Roy,
Ban sani ba ko mahaifinki yana son zama na dindindin a Thailand?
Ina samun matsala iri ɗaya, ɗaukar tsarin inshorar lafiya tare da BUPA, alal misali, farashi da sauri € 280, don haka ba zai yiwu ba da gaske. Idan kun bar NL da kyau, babban fa'idar zai kasance mai amfani, kuma za ku biya haraji a cikin TH.
Hakanan BUPA ba ta rufe tsofaffin lokuta na rashin lafiya.
Insuring a cikin NL ba zai yi aiki ba saboda mahaifinka zai sami takardar izinin O kuma saboda haka an yi rajista a TH, za ku iya tsammani sauran.
Don haka inshorar lafiya ita ce babbar matsala, ni kaina na yi shirin adana isasshe don biyan kuɗin likita, amma ina jin labaran da mutane ke sarrafa inshorar lafiya a can.
Abokina na Thai yana ziyartar asibitoci a can don inshorar lafiya, ba tare da sakamako ba tukuna.

Rayuwa, menene wannan?
Hibernate ko hijira?
Lokacin hibernating, ana iya shirya komai daga Netherlands.
Tare da rayuwa ta gaske, don haka ƙaura komai ya ƙare.
Babu murna kuma babu nauyi!
An keɓe daga ɗaukar inshora a cikin Netherlands (ko Turai).
Inshorar lafiya yana yiwuwa a Tailandia, amma ana sanya ƙarin caji daga shekaru 70.

Sa'a, Roy.

ONVZ yana da inshora na waje, wanda ya fi ɗan tsada fiye da inshora na yau da kullum a cikin Netherlands.
Yayin da kuke ɗaukar mafi girma deductible, inshora ba shakka yana da rahusa, Ina biyan Yuro 335 a kowace kwata tare da deductible na Yuro 500, sannan ina inshora ga duk duniya, ban da Amurka.

Hijira = Deregister a cikin Netherlands = babu sauran haƙƙin samun inshorar lafiya na Dutch = tabbatar da kanku a cikin Netherlands tare da abin da ake kira manufofin ƙasashen waje, ko a Thailand, ko wani wuri.

Zai fi kyau a fara canzawa (= kafin soke rajista) a cikin Netherlands zuwa mai insurer lafiya wanda (kuma) yana da manufofin waje. Babu su da yawa. Gwada CZ, Ohra, OVZ, Unive. Yawancin waɗannan masu insurers kawai suna ba da abin da ake kira manufar aminci = ga waɗanda aka riga aka ba da inshora tare da su don inshorar lafiya na NL = babu keɓancewa! Kudin da aka kashe a kowane hali ya fi na inshorar lafiya na NL (ƙidaya akan Yuro 300 ++ a kowane wata). Hakanan duba gidajen yanar gizon http://www.joho.nl en http://www.verzekereninthailand.nl/

Ba a ba da shawarar yin inshora a Thailand ko wani wuri gabaɗaya ba, saboda akwai keɓancewa (= cututtukan da suka gabata), da / ko ƙimar ƙima yana ƙaruwa tare da mafi girma shekaru, da / ko inshora na iya tsayawa a wani takamaiman shekaru, kuma / ko wani lokacin kuna 'kawai' cire daga inshora; wani abu mai yiwuwa ne, a yi gargaɗi; ko da yaushe karanta fine print.

Duba kuma http://www.nvtpattaya.org/nvtp/index.php/info/nuttige-informatie/406-ziektekostenverzekering-medische-ingrepen-in-thailand

"Inshorar lafiya wanda bai ƙunshi komai ba" kawai yana cikin Netherlands. Idan mahaifinka yana so, dole ne ya ci gaba da yin rajista a NL, amma an ba shi izinin barin ƙasar na tsawon watanni 6-8 a shekara ("a kan hutu").
Idan dole ne ya soke rajista (idan yana so ya bar ƙasar na tsawon watanni 8, dole ne ya bar ƙasar!) Sa'an nan kuma manufofin inshora na Turai suna yiwuwa a nan Thailand masu araha (masu haƙuri) amma koyaushe suna keɓance cututtukan da ke wanzu ko na tsofaffi. Mahaifinku zai karɓi inshora, amma za a cire zuciya da jijiyoyin jini da gwiwa daga ɗaukar hoto. Amfanin shi ne cewa zai iya zama a nan a cikin zafi har tsawon watanni 12 a shekara.
Don cikakkun bayanai game da inshora, tuntuɓi: http://www.verzekereninthailand.nl. Wannan hukuma ce mai kyau a cikin Hua Hin wacce mutanen Holland 2 ke gudanarwa. Cikakken sabis!
PS Idan da gaske mahaifinku ya yi hijira, ba zai iya ci gaba da ɗaukar inshorar balaguro na Dutch ba. Wannan na mazauna NL ne kawai. Inshorar balaguron Thai yana aiki a WAJEN Thailand kawai.
A takaice, zabi ga mahaifinka abu ne mai sauki:
1. Rayuwa a Tailandia watanni 12 a shekara, ɗaukar inshora kuma yarda da wannan keɓe don zuciya, da sauransu,
2. ko dai ya ci gaba da zama a cikin NL na tsawon watanni 4 a shekara kuma ya tafi "hutu" zuwa Tailandia na tsawon watanni 8 a shekara kuma ya ji dadin inshorar lafiyar NL.
Cin duka hanyoyi biyu ba zai yiwu ba…;-).

Roy,

Wasu la'akari:
- don ainihin inshorar NL dole ne a yi rajista a cikin NL:
zai fi dacewa ku ajiye adireshin gidan ku a cikin NL; akan takarda zama tare da dangi ko abokai na iya haifar da matsala
isar da: gwamnati na sa ido ga wadanda ake kira "yan kasa fatalwa";
gidaje ba dole ba ne ya biya ton; akwai kyawawan gidaje don siyarwa akan ƙasa da ƙasa;
- kula da tsarin inshorar lafiya na Dutch; idan aka ba da tarihin lafiyar mahaifinku, NL-
fa'idodin inshora na asali: wajibcin ɗauka, ƙima mai ma'ana, abin dogaro;
– fitar da ƙarin inshorar tafiya; in ba haka ba ba za a iya rufe shi sosai ba, musamman a babban kanti
asibitoci masu zaman kansu na kasuwanci kamar asibitin Bangkok; ilimin nawa bai isa ba inshora
kuma an ba shi izinin sayar da gidansa a Thailand don biyan kuɗin asibiti; daga baya ya mutu ko ta yaya
bayan haka a fili matarsa ​​ta samu gada kadan saboda sayar da falon.
- zauna a cikin NL na 'yan watanni a kowace shekara (tabbas babu hukunci a lokacin zafi Thai).

Expat inshora ba koyaushe abin dogaro bane:
– Kamfanonin inshora na Thai wani lokacin ma ba sa biya;
– Mashahurin masu inshorar lafiya na kasashen waje su ma suna wasa dabaru: an tantance su da hukuncin daurin rai da rai
yiwuwar ɗaukar hoto. Amma bayan babban yanayin rashin lafiya 1, ƙimar ƙimar nan da nan ta tashi, bayan 2nd
Lamarin da ya faru yana da sakamako iri ɗaya, wanda ya sa kuɗin ya zama ƙasa da ƙasa kuma mutane suna yin bankwana kai tsaye
(wanda kamfanin inshora ya aika da gangan) A lokacin shekaru masu wahala ko ba zai yiwu ba
sannan ya shigo tare da wani mai insurer (sai dai idan an dawo da inshorar NL, amma
fiye da zama / rajista a NL).

Duk wanda na yi magana da, masu ba da shawara na inshora sun fi son NL asali inshorar lafiya da tsaro.

Abin takaici ne cewa har yanzu ba mu zama "ƙauyen duniya ba" kuma ba za ku iya zama a Tailandia duk shekara tare da tsarin inshora na ƙasar Holland ba. Me yasa wajibcin dawowar shekara? Shin ba ma biyan haraji kan tanadi a NL idan muka ci gaba da yin rijista a NL? Amma wannan wata tambaya ce.

Sa'a mai kyau tare da yanke shawara kuma muna fatan jin daɗi da yawa a Thailand.

Hi Josh,

Lokacin da na ƙaura zuwa Tailandia, mai insurer ya soke inshora na kiwon lafiya kuma ba sa so su ba ni inshora na sirri a NL.

Ni (dan shekara 66) ina son yin irin wannan inshora, amma ban sami damar yin hakan ba a cikin shekaru 5 da na yi rayuwa a Thailand.

Yanzu na kammala wani aiki a BKK, wanda sai da na kawo wanka 460.000, tsabar kudi fiye da Euro 10000.

Abin da na manta: gargadi…. Hakanan zaka iya tabbatar da kanku a Tailnd, amma manufofin Thai ba za a soke ba idan kun yi ƴan da'awar. Sannan kana kan titi ka ga ko za ka iya fitar da wata sabuwar manufa a matsayin tsohuwar hanya. Don haka inshora tare da yanayin Yaren mutanen Holland ya fi kyau, koda kuwa yana da ƙari…

Wani dan Holland yana aiki a cikin Hua Hin wanda, a tsakanin sauran abubuwa. yana ba da inshora na Faransa wanda kuma yana ba da ɗaukar hoto sama da shekaru 70. Mai araha sosai idan kawai don inshora 'a asibiti'. wannan yana nufin kawai lokacin da aka shigar da ku, sau da yawa akwai hannun riga don daidaitawa tare da likita. A wasu kalmomi, idan da gaske kun yi hijira, soke rajista kuma kun daidaita haraji, ba za ku iya ƙara tabbatar da kanku a cikin Netherlands akan farashi mai karɓuwa ba. Da fatan za a lura cewa ban da ainihin abin da ba za a iya cirewa ba, hukumomin haraji kuma suna biyan kuɗi mai yawa tare da ƙarin samun kudin shiga. Jimlar wannan ya fi (2x) sama da abin da na biya a nan. Hakanan za'a iya biya a cikin Yuro ta hanyar Netherlands idan har yanzu kuna da asusu a can. Yana adana farashin musanya.

Yi la'akari da rashin amincewar masu insurer lafiya na Holland, wani abu da na dandana kaina.
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 balagub lokaci (bayyana wannan na ƙarshe a cikin TH: yana ciwo yanzu, ba a cikin mako guda ba, don haka muna zuwa wurin likita NOW kuma ba a cikin mako guda ba!).

Bayan lokaci mai tsawo na ƙananan ciwon baya baya ga tartsatsi a cikin yatsun kafa da yatsa kuma amma babu sakamako ta hanyar physio da chiropractic, GP na ya tura ni zuwa likitan kwakwalwa. Ka sani, bayan haka yana tafiya da sauri a cikin NL cewa Overtoom shine katantanwa: Na sami damar tafiya bayan makonni 7.

Ganin jin zafi da tafiya mai mahimmanci na kasuwanci zuwa TH, mun shiga cikin dakin gaggawa na gaske: Bumrungrad, safiyar Asabar da misalin karfe 10:00. Babu alƙawari da sauransu a karshen mako ... eh ... Dole ne in jira ... Minti 45 (a'a, mintuna, ba kwanaki) don likitan neurologist. Da sauri ya yanke shawarar cewa ina bukatan ganin likita na kashin baya, saboda jijiyoyi suna tsunkule a baya, ba a hannu ko kafafu ba. Lokacin da ya dace da ni? Nah, dole in koma Netherlands a cikin makonni 3! A'a, safiyar Litinin, daga baya, da rana, da yamma? So.. Litinin 08:00h.
Bincika kuma.. tues back. Tue: muna buƙatar MRI scan, don haka.. yi gobe da farko sannan kuma alƙawari…
Ganin farashin da ake tsammani, VGZ mai inshora na lafiya ya aiko da imel. Amsa VGZ: “Idan babu kulawar gaggawa, dole ne ku ciyar da farashi. Kuna iya bayyana mana cikakken lissafin daftarin ku bayan komawar ku Netherlands. " Don haka sha magani a BRR tare da kwanciyar hankali.

Har sai an gabatar da sanarwar zuwa VGZ: ba za a iya karanta daftarin da aka zana a cikin Thai / Turanci ba, ƙayyadaddun ba su isa ba (har zuwa allurar 80 THB har yanzu an ƙayyade), kuma a ƙarshe: kulawa mara inganci, saboda ..., ko da yake Dr Verapan , wanda ya kammala digiri a Jamus, wanda ke ba da demos na kasa da kasa game da sababbin ci gaba a fagensa, ƙwarewar ilimin likitancinsa ba ta da godiya ga tattalin arzikin ilimin Dutch. Kuma waɗancan alluran guda biyu (alurar rigakafi ta transforaminal epidural steroid da allurar haɗin gwiwa ta Intraarticular facet a Left L5-S1 da kuma Discography) ko da yake Amphia Breda (da sauran NL da B Zhsen da yawa) suma suna yin su kuma suna bayyana su, ... a matsayin ɗan ƙasa. Zan iya yin haka, ku sani cewa ba su yi daidai da yanayin ilimi da fasaha na yanzu ba.
Af: CZ ya kuma yi watsi da waɗannan sanarwar alluran, yana nufin… NZA. Ee, kuma wannan tare da haɓakawa game da ƙimar waɗannan alluran a Erasmus R'dam.
Bayan haka, a matsayinku na hukumar gwamnati kun kasance sama da kowace doka da bincike da amfani da kimiyya na duniya.

DUK da'awar, E 3750 gabaɗaya, an ƙi. Duk da haka, 'yan watanni bayan haka, tare da bincike na MRI na Thai da sakamakon bincike, an yanke shawarar yin aiki na baya sau biyu a AZ Klina, Brasschaat, wani VGZ contractzhs, don haka .. duk abin da aka biya (sai dai amfani da MRI scans. da sauransu, ba shakka).

Tabbatacciyar kawai da kake da ita tare da INSURANCE shine cewa HAKIKA kayi asarar kuɗin da aka biya. Duk wani diyya ba na ladabi ne kawai.

Dear John,

Haka ne, yana da kyau koyaushe don tashi sama da ƙasa zuwa Netherlands a kowace shekara, sannan ku zauna a cikin babban ƙasarmu tsawon watanni 4 tare da dokoki.
Ina tsammanin idan kawai ka yi magana da mai insurer lafiya na Dutch, za su iya gaya maka ainihin abin da zai yiwu a cikin lamarinka….
Ee, tabbas zai zama mafi tsada, amma sannan zaku iya rayuwa cikin lumana a cikin kyakkyawan Jomtien.

Ina muku fatan alheri, kuma zan yi magana da ku nan ba da jimawa ba.

Yahaya.