Ba a yarda Allianz ya dakatar da inshorar balaguron abokin ciniki mara lafiya a Thailand ba
Mara lafiya mai insho na Allianz Global Assistance, wanda ya kasance a Thailand tsawon shekaru, har yanzu yana da haƙƙin maido da kuɗaɗen likita wanda ya yi iƙirari daga mai insurer. Allianz ya dakatar da inshorar balaguron balaguron mutumin da kuma sokewa bisa kuskure, bisa dalilin cewa suna zaune a kasashen waje sama da kwanaki 180. Wannan shine abin da cibiyar korafin KiFiD ta ce.
Ma'auratan sun tafi Thailand a watan Mayun 2017, inda mutumin daga baya ya kamu da rashin lafiya. Likitocin da ke kula da lafiyar sun bayyana cewa ba za a iya mayar da mutumin zuwa kasar Netherlands ba saboda rashin lafiyan da ba zai iya tashi ba. Inshorar tafiye-tafiye, wanda aka fitar ta hanyar Fa'idodin ku, za a ƙare a cikin bazara na 2020, bayan mai insurer ya tabbatar da cewa an wuce iyakar tsawon kwanaki 180.
Ma'aurata sun ƙi yarda da soke manufofin
Ma'auratan ba su yarda da soke tsarin ba kuma sun gabatar da koke ga mai insurer. Ta kiyaye ra'ayinta don haka ma'auratan sun kai kara ga kwamitin rigingimu na Kifid. Daga nan sai ya sanar da cewa mai insurer ya yi kuskure ya dakatar da inshorar balaguron balaguro. Don haka dole ne a dawo da inshorar, bisa ga hukuncin dauri. A cewar kwamitin, murfin yana aiki ta atomatik daidai da sharuɗɗan har sai an fara dawo da inshorar.
Shin inshorar balaguro yana biyan kuɗin da aka yi?
Kwamitin Kifid ya duba, a tsakanin sauran abubuwa, ko inshorar balaguro yana ba da ɗaukar hoto don farashin da ake da'awar. Ƙari ga haka, dole ne ma’auratan su nuna cewa mutumin ya yi rashin lafiya a cikin kwanaki 180 bayan an fara tafiyar. Dangane da sharuɗɗan manufofin, inshorar zai ci gaba da ba da murfin har sai farkon yiwuwar dawowar inshorar zuwa Netherlands. Sai dai tun da mutumin ya yi rashin lafiya ya kasa tashi. A sakamakon haka, ba zai iya komawa Netherlands ba kuma inshorar balaguro yana ci gaba da aiki.
Source: https://www.kifid.nl/Uitspraak-2021-0985-Bindend.pdf
Irin wannan lamari ya faru kimanin shekaru 10 da suka gabata tare da ma'aurata NL-TH a hutu a TH. Mutumin NL ya sha fama da ciwon zuciya 2 da ciwon kwakwalwa 2 a jere kuma an ba shi damar ci gaba da bayyana halin da ya kashe ga mai insurer lafiya tsawon shekaru; har yanzu suna zaune a NL a hukumance amma sam ba a bar shi ya tashi ba. Daga baya sun yanke shawarar yin rajista a TH da rajistar su a NL don haka kuma tsarin su na kiwon lafiya ya ƙare.
Ina mamakin abin da mutane za su yi da zarar an sami haɗin jirgin ƙasa mai sauri da kwanciyar hankali tsakanin TH da EU (Vientiane-Kunming ya riga ya kasance). Kamfanin inshora zai aika ma'aikaciyar jinya ko likita a wannan jirgin?
Hakanan zaka iya tafiya da kwale-kwale idan kana da kafafun teku, kodayake jiragen dakon kaya masu masaukin fasinja ba su da likita a cikin jirgin....
Kamfanonin jiragen sama na yau da kullun na kasuwanci kawai ba sa ɗaukar marasa lafiya.
Ina tsammanin cewa nan ba da jimawa ba za a sami tsarin inshora ga masu yawon bude ido da ke shirya jirgin sama na musamman, kamar dai lokacin hutun wasanni na hunturu.
Wannan ya kasance na dogon lokaci a fagen kasuwanci.
Misali, Shell, ya yi shiri na ɗan lokaci cewa wani jirgin sama na musamman yana ɗauke da marasa lafiya a duk duniya.
Tafiyar jirgin ƙasa da ta jirgin ruwa za su ɗauki tsayi da yawa idan aka yi la'akari da nisa.
Kamfanonin jiragen sama na yau da kullun na kasuwanci kawai ba sa ɗaukar marasa lafiya. Ee, tabbas. Dole ne likita da/ko ma'aikacin jinya su kula da shi.
Sannan a bar ku ku tashi. Ana iya samun lokacin jira bayan infarction. A cikin yanayin da na bayyana, an hana mutumin sake tashi sama…
Sun gaya mani daga Univé cewa cikakken tsarin inshorar balaguro yana aiki na tsawon watanni 6.
Ko da na kasance a cikin Netherlands kawai na kwana 1, kuma na sake barin, to, watanni 6 za su sake farawa.
Kuma kada ka sake rufe shi.
Babu wani abu a matsayin ingantaccen tsarin inshorar balaguro, har abada.
Shin haka ne?
Hans van Mourik
A gaskiya ma a bayyane yake kuma yana da ma'ana: idan za a iya nuna cewa mutumin ya kamu da rashin lafiya a cikin lokacin da inshorar tafiyarsa ke aiki, to mai insurer ba zai iya dakatar da manufofin ba har sai lokacin da mutumin ya sake yin tafiya. . Gaskiyar cewa ya kamu da rashin lafiya CIKIN wa'adin inshora na yanzu yana da mahimmanci a nan.
Wataƙila da ni kaina zan yi wannan kuskuren.
Tunanin idan kun kammala inshorar balaguro don rashin lafiya, kuma kun biya koyaushe, zaku kiyaye shi.
Lokacin da aka yi mini rajista a Netherlands har zuwa 2009 kuma na sami ZK V a Univé.
Sai na tambayi tsawon lokacin da zan iya zama a waje, don ZKV na ya kasance watanni 6.
Yi tsammanin cewa, waɗannan kuma su ne jagororin, na kammala inshorar balaguro na farashin lafiyar da mutum ya fitar.
Inshorar tafiye-tafiye yana rufe, kawai lokacin da farashin ya fi girma, idan ka'idodin Dutch, waɗanda ba a biya su ta hanyar ZKV ba.
Wannan shari'ar ba ta sani ba.
Hans van Mourik