Mugwagwa wakareba (kutambura) kuyedza kuwana kuwedzera kwakasarudzika kwemaprimiyamu einishuwarenzi yehutano yepamwedzi kune vanobuda paUnivé patafura. Pasina kubvunzana kana chiziviso, iyi 'isina purofiti inishuwarenzi' yakawedzera mari yekubhadhara isingasviki 37% kusvika 495 euros pamwedzi.
Mazhinji evaverengi veThailandblog vakapindura kune yakapfuura nyaya yeiyi inorwadza shanduko yezviitiko zvakakanganiswawo nekukwira kwemutengo uku (ona: thailandblog.nl/zorgverzekeraar-naait-expats-oor-aan/).
Munyori uyu, mukubvunzana nevamwe vashoma, aendesa chichemo kukomiti inobata zvipingaidzo paUnivé. Sezvaitarisirwa, ndakagamuchira mhinduro dzisina revo chose. Univé inotaura kuti mutengo wehutano kune dzimwe nyika wakakwira zvakanyanya uye kuti kuwedzera kwacho kunotsanangurwa uye kunogamuchirwa. Mitemo mishoma yandingadai ndakauya nayo pachangu. Asi zvinoshamisa maererano nekuderedzwa kwemutengo we 5 euros muna 2014. Ko mari yehutano yakawedzera zvakanyanya mugore rimwe kunze kwenyika, asi ivo vakawira muNetherlands?
Univé inoti mumhinduro yekuti Universal Complete Policy inosanganisira mazana evanhu vane inishuwarenzi. Ndinotya kusava nechokwadi nazvo, nokuti tiri kutaura nezvevanhu vechiDutch vakapararira pasi rose. Ndakagamuchira mhinduro kubva kunyika dzakasiyana-siyana. Inogona kutosanganisira zviuru zvevanhu vane inishuwarenzi pasi pemutemo uyu.
Zvinotoshamisa kuti expats neinishuwarenzi yekunze kubva kuONVZ vakasangana nekuwedzera kweanosvika 2015 muzana gore ra3 risati rasvika uye ikozvino vanobhadhara mari inosvika mazana matatu nemakumi matanhatu emadhora pamwedzi. Kambani iyi haisi kutambura nekuwedzera kwemutengo kune hutano hwekunze? Zvese mune zvese, inyaya inoshamisa, umo mune sezviri pachena hapana kubatana pakati pevanhu vechiDutch vari munyika yavo uye avo vari kunze kwenyika kuUnivé.
Mune zvimwe zviitiko, vomunharaunda vakadzima inishuwarenzi yavo kubva muna Ndira 1 nekuti havagone kana kusada kubhadhara inosungirwa 495 euros. Izvozvo zvinosuruvarisa zvechokwadi. Mumwe aimbova mushandi wepamusoro-soro akauyawo kwandiri, uyo akanga akweretwa kuBrussels neThe Hague uye akaiswa inshuwarisi neLevob nokuda kwemutengo unonzwisisika. Mushure mekutorwa neUnivé, iye zvino angotarisana nekuwedzera kwakakosha kweasingakwanise kuita chero chinhu nezvazvo.
Zvichemo zvinogona kumhanswa kuUnivé pachayo nevanhu vakawanda vari kukanganiswa panguva imwe chete?Zvikasadaro, izvi zviri kuHealthcare Insurance Complaints and Disputes Foundation (SKGZ). Izvo zvinozopa zano rinosungirwa. Nekudaro, iyo SKGZ isati yaita sarudzo padambudziko, panofanira kunge paine kanenge kaviri kuchinjana kwetsamba pakati pemumhan'ari mumunhu neinishuwarenzi ari mubvunzo. Ndaita zvinodiwa izvozvo. Iye zvino tinofanira kumirira uye kuona uye, panguva iripo, isa 495 euros pamwedzi muzita reinishuwarenzi isiri-purofiti (ine mari yakawanda muhomwe dzedu ...)
Maprimiyamu evamwe akawedzerawo nenzira iyi here?
Sei uchigara kuUnive chaizvo?
Sei usingachinje kune imwe inshurensi yehutano?
Kana ukanyatsoverenga, uchaona kuti premium paONVZ, semuenzaniso, yakawedzera nezvikamu zvitatu kubva muzana. Nehurombo, kuchinja hakugoneke, zvimwe nekuda kwekuongorora uye kusabatanidzwa.
Zvirinani kuenda kuinishuwarenzi yasekuru, ini ndinobhadhara 380 euros ini nemukadzi wangu tese. Kufukidzwa kwakanaka uye kuziviswa kwepamhepo. Saka pamari iyoyo ndine mari dzehutano, inishuwarenzi yekuremara uye njodzi yekufa kwevanhu 2
Ini ndakamhan'arawo kuyunivhesiti pamusoro pekukwira kwemitengo. Zvakare mukupindura: kuwedzera kwemitengo. Ndakawedzera nharo yakasiyana zvachose kune iyo. Vashandi vechiuto (kusanganisira vekare) vanosiya basa (nekuda kwechikonzero chipi zvacho) VAFANIRA kutorwa sevatengi neyunivhesiti. Izvi zvinodaro nekuti, semuenzaniso, nekuda kwetsaona kubasa, kukuvara panguva yekutumirwa, PTSD, nezvimwewo, vanogona kurambwa nemamwe makambani einishuwarenzi. Vazhinji vaichimbova varwi vari kudzokerawo kunyika dzavakaberekerwa (somuenzaniso, Indonesia) Vakatarisanawo nokuwedzera uku kwakakwirira. Nekuda kwezera, havachakwanisa kushandura kune imwe inishuwarenzi. Ndine uye ndichaendesa zvakare izvi kuna Minister of Defense uye Veterans Ombudsman.
Ndine inshuwarisi neONVZ uye ndakagamuchirawo kuwedzera kukuru. Iye zvino unofanirwa kubhadhara € 420 pm. (70 makore) Nemutengo wazvino hauchadhurike, ndichaedza AIA.
@hans
Quote ; “Ukaverenga nemazvo, unoona kuti mari yekubhadhara paONVZ, semuenzaniso, yawedzera nezvikamu zvitatu kubva muzana. Nehurombo, kuchinja hakugoneke, zvimwe nekuda kwekuongorora uye kusabatanidzwa. "
ONVZ pane imwe, uye pane akati wandei?
Izvo zvausingakwanise kushandura, izvo zvisina kutaurwa, uye rudzii rwekuongorora uye kusabatanidzwa izvi ndizvo chaizvo, ini ndiri kurasikirwa nechimwe chinhu munyaya yako.
Unoda kuti kudii nenyaya yako, uye tingakubatsira sei?
Handisi kunzwa kuda kutsanangura rubhabhatidzo rwangu rwekurapa pano. Iko mukana wekuchinja wakaongororwa zvakanyanya uye haugoneki. Nenyaya yangu ndinoda kutaura kuti zviuru zveDutch policyholders kune dzimwe nyika zvinotarisana nekuwedzera kwepamusoro kwepamusoro, pasina tsanangudzo kana chiziviso. Tinogona chete kubatsira nekuisa kumanikidza kuUnivé (sangano risingabatsiri), risingakwanisi kuita izvi.
Nyaya iyi ndakatotaura nevakuru vane chitsama, kusanganisira vebazi rezvehutano, muna Mbudzi
kunyangwe chirongwa cheRadar neOpgelicht nekuti ndiwo manzwiro andinoita.
Mushure memhinduro inozivikanwa kwazvo yekuti "hapana mhinduro", pakava nekunyarara "kusinganzwi."
Zvinoshamisa kuti pakarepo paunosvitsa makore makumi manomwe, mari yehutano inowedzera ne 70% muna 37.
Ndakagamuchirwa muna Kubvumbi nokuda kwe € 275.=pm
kwaziso,
Louis
Hello Bauke,
Ndakangotarisa pawebhusaiti yasekuru inishuwarenzi, asi mari iyoyo ndakaishaya.
inodhura zvakanyanya.
chii chandinofanira kuteerera?
Ndinoda kunzwa kubva kwamuri.
Ndine makore 67 uye mudzimai wangu ane makore makumi mashanu
Ndakaperera,
Henk
Anodiwa Henk
Pamwe zvine chekuita nezera redu, 31 ne32, ndichakutsvagirai mangwana
Univé - Ndakanyora izvozvo kare - iri mumatambudziko makuru uye ishoma nemari yakawanda uye - maererano neRTV Drenthe - pachave nekudzingwa kwakawanda. Pamusoro pazvo, kana ukamhan’ara, “mubhucha ndiye anoongorora nyama yake” uye izvozvo hazvinyatsokubatsira. Handizive kana zvichikwanisika kukwidza chichemo kubva kuThailand - pamwe kuburikidza nemumwe munhu anokumiririra kuburikidza nemvumo - neKIFIB (handina chokwadi kana zita racho rakarurama) iyo yakazvimirira. Asi zvakakodzera kuedza.
Kuwedzera kamwe kamwe kwe37% pane yakatowanda mari yeprimiyamu ihombe yakakosha pachikwama chako. Ndinogona kufungidzira kuti unonzwa wakakatyamadzwa, muchidimbu nekuti kuwedzera kweiyo premium muna 2014 kwaingova € 5 chete. Vanochengeta inishuwarenzi yehutano vanogara muNetherlands vachiri kubatsirwa zvishoma kubva kune anodyidzana emusika masimba einishuwarenzi yehutano, asi nekuda kwehuwandu hwakaderera, expats haina kunakidza kune inshuwarisi yehutano. Nekuda kweiyo yakakwira avhareji yezera reexpat, ndinogona kufungidzira kuti njodzi yemitengo yehutano yakakura. Zvichida mwero wakaderera wekuchinjana kweeuro, unokubata sewe expat zvakadaro, wakonzerawo mari yehutano kunze kwenyika kukwira. Ini ndinokahadzika kana SKGZ inogona kubatsira iwe nevamwe vane mapolicy eUnivé panyaya iyi. SKGZ haisi sangano revatengi uye zvinosuruvarisa kuti haioni kana chichemo chako chinogona kuonekwa sechinhu chakanaka, asi chinongoongorora kana inshuwarisi yehutano, munyaya iyi Univé, inoshandisa mitemo yepamutemo uye (policy) mamiriro nemazvo. Ndichiri kutsvaga inishuwarenzi inokugamuchira iwe yemutengo wakaderera pane wauri kubhadhara ikozvino. Rombo rakanaka!
Zvinofanira kunge zvine chekuita nezera redu, ndangoita kuverenga nekunyaradza kwekurapa ne250 eu deductible i133,52 pamunhu.
chiremba wemazino ane 700 euros coverage 25 op
Chikwereti 7,06 pp
uye inishuwarenzi yemariro ye5000 euros 0,42 pp
Zvose zvinoti 324,94 kuvanhu 2.
Ini ndinofanira kuve nechapamusoro chepamusoro pane imwe nzvimbo nekuti ini ndinobhadhara 380
Ndinofunga zvine chekuita nezera rako
Ndakabata Jan Demie kubva kuVBM uye akandinyorera kuti VBM haigone kuita chero chinhu.
Ndakaverenga nezve premium kuwedzera kwe37%, asi ndakaverenga chimwe chinhu nezvezera re70 mune dzimwe mhinduro.
Iyo 37% inowedzera izvozvi nekuti mumwe munhu atendeuka makumi manomwe, kana nekuti iyo premium yemunhu wese yave 70% yakakwirira?
Chokwadi izvozvo zvinoita mutsauko.
Kana wakambosarudza mari yeinishuwarenzi yaiti waifanira kubhadhara mamwe maprimiyamu pakusvitsa makore makumi manomwe, haugone kunyunyuta nezvazvo.
Ipapo wakangosarudza inishuwarenzi isiriyo, pamwe nekuti inishuwarenzi iyi kusvika pazera re70 yaive yakachipa kupfuura vamwe.
Anodiwa Ruud, iwe unobatanidza chinhu chimwe nechimwe, icho chisina chekuita nemumwe. Kuwedzerwa kweprimiyamu kunoshanda kune vese vanhu vane inishuwarenzi vane Universal Complete Policy, zvisinei nezera. Saka mhinduro yako haina basa.
Mune dzimwe mhinduro zera re70 rinotaurwa sechikonzero.
Saka mubvunzo.
Izvi zvinoita kuti musoro unyatsojeka.
Ini zvakare ndinobhadhara imwechete yepamusoro yepamusoro premium uye ndinongori nemakore makumi matanhatu nemaviri. .
Pandinoverenga izvi, iyo inishuwarenzi yakadai isingadhure, ndinoshamisika kuti chii chakashata nevanhu ava nekuda kwezvirwere kana nezvimwe, nekuti ivo vane inshuwarisi yeavhareji ye400 euros pamwedzi, uye mubvunzo unomuka kwandiri kuti kangani iwe une. painishuwarenzi pagore, ava vanhu vanorwara vanogara vachishanyira chiremba nekuti iniwo ndine makore makumi matanhatu nemapfumbamwe uye ndinopota ndichienda kuchipatara nezvinhu zvidiki, asi izvo hazvimbodhure kupfuura zana rebhaht uye zvakawanda.
Ikozvino ndiri kushamisika kana ndichibhadhara mari inosvika zviuru zvishanu zvemaeuro pagore mupremium, nenguva yakanaka ndichiri mazana maviri ezviuru zvebhaht uye ndisingashandise inshuwarisi uye kuisa mari muaccount uye gore rinotevera usashandise mbavha idzodzo, yave mazana mana ezviuru. zvingave zvinonakidza kuverenga kuti ndezvipi zvakakosha mari yekugara inshuwarisi neavo mbavha vanongoita mari kubva kune avo vakuru, asi (kusvika kwauri) funga nezvazvo.
Ndine makore makumi matanhatu nematanhatu uye ndinobhadhara 66 50.000 yekugeza pagore, kusanganisira kuwedzera kwevakuru, tisingabatanidzi mishonga uye chiremba wemazino. Izvo zvinoita musiyano mukuru, ingangoita 90%??
Wadiwa Hans.
Ndinokunzwirai tsitsi. Chaizvoizvo, ivo vese scammers. Non-profit zvinoreva pamusoro
mubhodhi iroro vanobvisa purofiti kuburikidza nemihoro yavo (iri kumusoro kweBalkenende mwero) uye izvo mumihoro yavo.
uzvipe mubayiro nekutora imwe mari. MuNetherlands, hurumende haiite nemhando idzi dzevatengi.
Semuenzaniso, zviri chete mukutepfenyura uye mamwe masangano edzimba umo chimwe chinhu chinoitika.
Ndakanga ndiri mushandi wehurumende ini uye ndakasiya FPU pazera re61 (iyo yakanga ichiri nguva huru).
Pakarepo anotamira kuThailand. As a civil servant you were still privately insured panguva iyoyo. Ndaivewo ne
Univ. Ndakagamuchira tsamba yekuti ndaigona kugara ndine inishuwarenzi (taura makore angangoita gumi apfuura) kusvika ndave nemakore makumi matanhatu nemashanu.
Kwete zvakare shure kwaizvozvo. Iyo yekutanga yaive (makore gumi apfuura) 10 Euro. Ipapo iwe unogona (sezvavanotaura muAmsterdam)
kune gasi. Ndakangoti nechemumoyo ndichachengeta mari iyoyo ndoona zvichaitika.
Saka 385x12x4=18480 Euro. Vachiri pasofa.
Ndinoziva kuti kwaiva kubheja.
Kwaziwai Cor van Kampen.
Morning Cor,
Zvine musoro chaizvo kuzviita nenzira iyi.
ingotora chirongwa chitsva chekufarira nguva dzese kwemwedzi mitanhatu kana gore uye zvechokwadi nesarudzo yekuibvisa.
Saka kufarira kwakawanda.
Tave tichiita izvi kwemakore masere, murume 8-me 73, saka ingangoita premium yakazara pagore inodarika mazana maviri nemakumi mashanu baht.
Uye zvakare nematani ekusabatanidzwa kumurume wangu.
MuNetherlands, makambani einishuwarenzi anoziva mabatiro ezvinhu, asi akagadzirwa muno muThailand.
LOUISE
Wadiwa Cor naTonymarony
Pandakaenda kuThailand muna 2009, ndanga ndichifungawo nezve zvandaifanira kuita inishuwarenzi kana kuti kwete
Ndakazozviita and luckly I guessed right.
Muna 2010 ndakavhiyiwa prostate neradiation.
Muna Zvita 2012 ndakavhiyiwa cancer cancer uye 12 chemo kurapwa muRAM Hospital Changmai
uye CT PET scan muBangkok hospital uye keyhole kuvhiyiwa uye kuongororwa kunodiwa
Zvese mune zvese, yakatenga pakati pe65000 ne70000 euros uye chero chinowedzerwa chichiri pasi pesimba.
Iri uye rinoramba riri gamble rauri kutora, ndichiri kufunga kuti ndodzima here, ko kana ikasadzoka ndoisa padivi, ndagadzira kamari kadiki kakanaka nekuti iko zvino mari yacho haichaiti. zvakawanda.
Asi kana ikadzoka munguva pfupi iri kutevera ndinobva ndapererwa
Ndiyo uye inoramba iri njuga
Kwaziwai Hans van Mourik