Health insurer iri kupuruzira vanobuda panzeve
Kwemakore ndaigutsikana neinishuwarenzi yehutano yepaUnivé. Yakanyoreswa muNetherlands, izvi zvine chekuita neinishuwarenzi yekutanga nevhavha yekunze.
Ndangogara zvachose muThailand, ndakakwanisa kuchinjira kuUniversal Complete Policy pasina kusarudzika uye nekudzora mamiriro, anosvika 295 euros pamwedzi. Iyo premium yakabva yaenda ne325 uye 340 kusvika 365. Univé yakafunga kuti yakawandisa uye yakava 360 yegore razvino.
Kusvika parizvino pane zvishoma zviri kuitika; Mari yekurapa iri kukwira pasi rose uye ndizvo zvakaitawo mapremium. MuNetherlands vanhu zvino vari kushevedzera kuponda kunoteura ropa kunenge kuwedzera gumi muzana kwemari inobhadharwa.
Mazuva mashoma apfuura ndakagamuchira mutemo mutsva we2015. Kutyisa kwangu, mari yemwedzi nemwedzi inokwira kusvika ku495 euros, kuwedzera kusingasviki makumi matatu nematanhatu muzana. Izvi zvinokuchengetera kunwa pazvinwiwa uye nemari yepenjeni iri kudzikira zvinoita kuti usanzwe simba.
Panogona kunge paine kusanzwisisana kana kutadza kuverenga. Izvozvo zvakanga zvaitika kare. Mhinduro yeUnivé kune email yangu yakanga yakajeka: kuwedzera kwacho kwacho. Hapana tsananguro yekuti sei. Iyo email itsva inotarisira kuunza chiedza kune rima.
Kukanzura inishuwarenzi hakuna musoro. Nekuda kwe 'pre iripo mamiriro', Thai nevekunze makambani einishuwarenzi havandide. Vamwe vanoita nharo dzekudzokera kuhomwe yeinishuwarenzi yehutano. Mubvunzo mukuru ndewekuti ndiani anokwanisa kumisa nzara yemakambani einishuwarenzi aya.
Chinondinetsa ndechekunetseka kwavo...
Kutevedzana kwezvakaitika pakaunzwa mutemo weHealth Insurance Act. Iwe unoshandisa izwi, saka ini ndoitawo: isu vanoenda kune dzimwe nyika tiri / takakanganiswa. Expats uye vanhu vakasendwa kazhinji vanogona kuramba vaine inishuwarenzi kuburikidza nemushandirwi wavo, asi vanoenda kune dzimwe nyika ndivo varasika, kunyangwe ini ndichigona kushandisa rimwe izwi kune izvozvo.
Asi isu hatina inzwi zvakare! Ndakamboverenga kuti 'isu kunze kwenyika' takanakira zvigaro zveparamende zve7 muChikamu chechipiri uye pamwe zvigaro zvishoma muSeneti uye isu tava kuziva kuti ungave wakasimba sei nechigaro ipapo. Asi zvino tose tinofanira kuvhota ruvara rwakafanana. Uye enda kunovhota...
Pane zvimwe zvishoma zvekuita kunze kwekubvunza naMatthieu kubva kublog. Une inopfuura mwedzi kuti uongorore chimwe chinhu. Rombo rakanaka.
Matthieu haakwanisi kuita chero chinhu pamusoro peizvi zvakare. Ndiye chipangamazano kusangano reinishuwarenzi uye anogona kutsanangura musiyano pakati pevanopa.
Anodiwa Hans,
Usangofunga kuti Unive ine nzara yemari chete. Mari yangu yeFrench APRIL yakawedzera ne105% mumakore mashanu. Chikonzero: kuwedzera kwemitengo yekurapa muThailand.
Ini zvakare ndinoshamisika kuti ndingadzikise sei idzi premium kuwedzera. Mukuona kwangu, izvi zvinogoneka chete kana isu neimwe nzira tikawana "solidarity musimboti" kubva pasi mukati meinishuwarenzi. Nekuti vadiki nevakuru, "vakanaka uye vakaipa" vari muinishuwarenzi imwechete, iyo yekutanga premium mukati, semuenzaniso, Netherlands inogona kuve yakaderera.
KuThailand: izvi zvinogona kuitika nekuunza inishuwarenzi inosungirwa kune vese vakasiya basa.
Uyezve, makaro emari ebazi rekurapa reThai anofanirwa kudzikiswa neimwe nzira. Kukurukurirana kwakasimba nekambani yeinishuwarenzi? Kugadzirisa deductible?
Saka hapana mhinduro dzinokurumidza. Kana chimwe chinhu chichivandudzika, kuchinja kunotora makore.
Nekuda kwekuti vaverengi vakawanda vakandiudza nezvechiitiko chimwe chete maererano neUnivé, ndinokumbira vagari vese vechiDutch vekuThailand kuti vauye kwandiri. Tose tinogona kuedza kushandura kushandiswa uku kuburikidza nekuita uye kuratidzira. [email inodzivirirwa]
Usazeza kusava nechokwadi kana embassy yeDutch ichapa consular kana rumwe rubatsiro kana mumwe munhu akapinda mumatambudziko muThailand nokuti akanzwa zvakakodzera kufamba-famba pasina (hutano) inishuwarenzi, huwandu hwebhadharo hauna basa.
Kuenda kunogara kunze kwenyika kana, zviri nani zvakadaro, kubvisa kunyoresa kubva kuNetherlands, nekudaro zvakare kubvuma mhedzisiro yekubviswa kubva kuZVW (pasinei nesarudzo kana kuramba uine mhosva yemutero muNetherlands) yaive sarudzo yakaitwa nekuziva uye nekuziva. , izvo vanhu vakaziva pachine nguva mberi kana kusanyunyuta mushure mokunge mari yacho inogona kuwedzerwa nekufamba kwemakore, kunze kweizvi kunewo kukanganisa uko vanhu vakwegura vanowanzotambura nekukurumidza kupfuura vanhu vaduku.
Deregistering kubva kuNetherlands, kusvika ikozvino hapana bvudzi remusoro wangu rinofunga nezvazvo!
Zvinonyadzisa zvikuru zviri kuitika pano.
Nyika yakachipa nemitengo yechipatara pano, asi izvo zvinongofuratirwa.
Ngatitii munhu wese anodzokera kuNetherlands, ipapo acharasikirwa nemari yakawanda.
Sezvineiwo, ndakatofunga kuti ndaona izvi zvichiuya ndokukanzura hurongwa hwangu hwekuenda zvachose kuTh. kuti apinde asi akaiswa mukamuri rokumirira kwekanguva.
Izvi ndezvechokwadi nekuti ndine mudyandigere diki uye chete mupiro wemumwe wemukadzi wangu sezvo ainewo chizvarwa cheDutch uye ndakamutengera makore asipo kuAOW.
Asi neinishuwarenzi yehutano yakanyanya iyi, izvi hazvigoneke kutenga.
Ipapo tichauya nehurongwa hwekugara muTh kwemwedzi mitanhatu, asi tinovimba pachave neshanduko dzakanaka. Kunyangwe ini ndinokahadzika zvakanyanya izvozvo.
Iyo nyika (verenga inshuwarisi yehutano) haina kudhura, nekuti hapana mabhureki / kutonga pamitengo yezvipatara.
Zvipatara zvakazvimiririra muThailand hazvina kudhura.
Vazhinji vakweguru vanoenda kuThailand, izvo zvinoguma nemutengo wakakura kune mainishuwarenzi.
Kana munhu wese akadzokera kuNetherlands, vachashandisa mari yavo ikoko kwete muThailand.
Izvo zvakanaka kune mutero wemutero weNetherlands.
Ndakabvunza Unive mibvunzo yakati wandei yandisina kuwana mhinduro. Ini handisi kuwana fungidziro yekuti vanoisa kukosha kukuru kubasa revatengi.
Ndakapihwa inishuwarenzi naApril. Hapana chakaipa pamusoro peinishuwarenzi yeFrance, asi iyo premium ye "varwere vari kuramba" yaisakwanisa kupihwa. Sekunyora kwakaita Richard, iyo premium yakakwira mumakore mashoma. Saka ndiri kukanzura mari yangu yeinishuwarenzi yehutano kubva muna Ndira 1st.
Nekuti sarudzo yaive yekubhadhara iyo yakawedzera premium uye zvakare mukuwedzera mumakore anotevera uye musimboti uchitambura urombo, dzokera kuNetherlands kana kungotanga kuchengetedza uye kutora njodzi mumakore anotevera. Nekuti penjeni yekambani yangu haizowedzeri mumakore anotevera, ndakasarudza sarudzo yekupedzisira: tanga kuzvichengeta. Ini ndinotora inishuwarenzi yengozi. Saka ndiri kutora njodzi, nekuti kana ndikawana chirwere mumakore maviri anotevera chinodhura mari yakanaka, ipapo ndine dambudziko.
Yakanga iri uye ichiri sarudzo yakaoma kwandiri, nekuti ndiri mutsigiri mukuru wekuwana inishuwarenzi. Asi nekuda kwekuti iwe unogara kunze kweEU uye kwete munyika yechibvumirano, premiums inowedzera uye se "avhareji yemurume" iwe unowana pfupi pfupi yetsvimbo kana zvasvika kune pension uye AOW.
Saka ini ndinofanotaura kuti vazhinji vanoenda kune dzimwe nyika, muno muThailand asiwo kune imwe nzvimbo, vane "avhareji" mari, vachatarisana nesarudzo dzakaoma mumakore anotevera. Kuti urambe uine inishuwarenzi here.
Iwe ungafungei nezveVGZ: [email inodzivirirwa], [#233910] : “Kana pasina rubatsiro rwechimbichimbi, unofanira kufambisa mari yacho. Iwe unogona kuzivisa yako invoice yakazara yakazara kwatiri paunodzokera kuNetherlands. (kusvika pahuwandu hweNL)
Kusvikira ma invoice aziviswa, kubva kuBumrungrad zhs, muchiThai-Chirungu, nachiremba (Dr Verapan), anopa kuratidzira pasi rose nezvezvitsva zviri kuitika mumunda wake: tsono ye60 THB), uye pakupedzisira: kusashanda kutarisira. (Declaration inokwana Euro 3750). Icho chokwadi chekuti kuvhiyiwa kwekaviri kumashure kwakaitwa muBelgium mwedzi mishoma gare gare nekuongorora uye kutsvagisa kubva kuBumrungrad hakuna kukanganisa mafaro.
Hongu, avo vese veinishuwarenzi vehutano havaedzi kudzorera kurapwa kune dzimwe nyika, nokuti ... kune vashomanana, vasina rubatsiro rwepamutemo, pasina ZHS, avo vanozomira shure kwavo nekuda kwezvikwereti zvakananga.
Zvakafanana kwese kwese Nemhaka yokuti ndakanga ndapiwa inishuwarenzi ikoko kwemakore nemakore, ndakakwanisa kuchinjira kuinishuwarenzi yavo yokunze asi ndaifanira kutanga ndanyoresa muNetherlands. Ndakaita izvi uye pakutanga premium yaive mari inonzwisisika pamwedzi. Asi ikozvino yatova kudivi remutengo Uye panguva ino
Ndichiri kubhadhara 340 euros pamwedzi Asi kubva muna Ndira 1, 2015 inenge iri 366 euros pamwedzi.
Saka kumwe kuwedzera kwe26 euros pamwedzi. Ichakurumidza kudhura zvekuti zvinenge zvisingaite kuti uiwane nekuti penjeni yako yehurumende ichadzikiswa kwete kuwedzerwa. Uye nepo dzinenge dzese dzine mabuffers makuru. Ndinonzwisisa kuti maprimiyamu anofanirwa kubhadharwa, asi uku kuri kungopenga chete. Uye kana iwe usina rombo rakanaka, angangoita zana nemakumi mashanu emaeuro emishonga isingachasanganisirwe mupakeji muNetherlands.
Izvi zviri kuenda kupi uye kuguma kune mamwe makore mashoma uye ini ndichafanira kudzokera kuNetherlands nekuti inishuwarenzi yangu yehutano iri kuita isingagoneki. Uye ini handina chandakasiya. Ndakataura nevemudhumeni kwandakapedzisira kugara. Vanoita kuti ndizive kuti ndinogona kudzokera kuNetherlands nguva dzose, hapasisina musha wevakwegura, hapasisina nzvimbo yokugara. Zvichida nzvimbo iri pasi pebhiriji Hongu, ndiyo nguva yazvino neyenguva yemberi yevanhu vakwegura vakawanda uye havana basa newe. Muno muThailand zvakare, mitengo yekurapa muzvipatara iri kukwira.
Ngwarira, pasi pebhiriji iro iwe uchaongororwa kodzero dze precario ... Ndinoshamisika: makumi ezviuru zvevanobuda kunze, Dutch, Belgians, Germans, etc. vanogara muThailand Ndinofunga kuti zvakakwana kutanga kambani yeinishuwarenzi diki . MaPrimiyamu anogona kusiyaniswa zvichienderana nekuti munhu anoda "Bumrungrad"/"Bangkok-Hospital" sevhisi here kana kuti munhu anogutsikana neHurumende Zvipatara, izvo kune akati wandei akanaka kwazvo. Vanhu vane matambudziko agara aripo: ingoita inishuwarenzi, pamwe nekuwedzera kune musoro. Zvinoda imwe sangano, saka mumwe munhu (kana kirabhu) anoziva ins uye kunze anogona / anogona kushandisa izvi kugadzira VOC (hongu!) kunhuhwirira chidimbu cheshit.
Zvichida yave nguva yekuti tiise kumanikidza kuhurumende kuti iite Thailand nyika yechibvumirano, zvakare mumunda weinishuwarenzi yehutano. Zvimwe zvinhu zvichanaka kana kuti tose tinogona kuzvironga togadzira bato kuti zvinhu zviitwe.
Anodiwa Hans,
Netherlands iri kukanganisa hutano hwehutano, munguva pfupi ichave nemazana ekudzingwa, kana asiri zviuru zvakati wandei, muhutano hwehutano.
MuTerneuzen kwandinogara, kuchatove nemazana maviri ekudzingwa muchipatara uye kudzingwa mumisha inochengeterwa vakwegura inozovhara muna Zvita.
Kune mazana evanhu vasingachakwanisi kutenga inishuwarenzi yavo uye vari kumashure zvakanyanya.
Mugore ra2015 zvakawanda zvichachinja kune wese munhu, vari kucheka kumashure pane zvese uye vanhu vazhinji vanogona kutadza kuchengeta misoro yavo pamusoro pemvura.
Vapfumi vari kuramba vachipfuma uye varombo vari kuwedzera kuva varombo, asi masangano akapfuma ari kuzadza homwe dzavo.
Uye chii chinoita vanhu veDutch? hapana, vanozvibvumira vamene kutungamirirwa kunourawa pasina kupikisa.
TICHAsangana nezvakawanda mugore ra2015, mari dzemudyandigere dzinenge dzavewo nechijana chavo, vosarudza kwavanogona kutora.
Netherlands haisisiri Netherlands, pakupera kwemwedzi uno ndichaenda kuThailand zvakare kwemwedzi mitatu, pamwe nguva yekupedzisira kana zvese zvichienderera seizvi.
Zvese zvisina maturo. Ingogara muNetherlands uye iwe uchave neinishuwarenzi nehurumende. Sei uchidya zvinhu zvakawanda. Insure iwe pachako naApril. Muna Kubvumbi, iyo premium inoshandura makore ese mashanu. Kazhinji ini ndinotarisa patafura, asi ini handizvizivi ini mu5%, inofanira kunge iri mhando yekukanganisa. Ini ndiri +105 uye ndine inishuwarenzi yechipatara yepasi pe70 € pasina imwe chete. saizvozvo.
Wadiwa Bob,
Ndinoda kupindura kune izvi.
Ndinofungidzira iwe une "basic sarudzo". Mutengo waAPRIL wevanhu vanopfuura makore makumi manomwe ekuberekwa ndeokuti:
-2010 = 2193 USD
-2015 = 4316 USD
Kuwedzera = 97%
Saka hazvina kunyanya kuipa muchikwata chezera rako; kwete 105% asi 97%.
Nehurombo, hapana chimwe cheizvi chinogona kuchinjwa kunze kwekunge Thailand yave "nyika yechibvumirano". Zvakanaka, izvo hazvizoitike, zvinosuruvarisa. Uye maererano nemaprimiyamu, kuwedzera ikoko kuri kukwira, asi izvi zvinokurudzirwa neshanduko dziri kuunzwa nevamiriri vedu uye nekuda kwedu. Wedzera kune izvi chokwadi chekuti Hurumende haibatsiri kumari yehutano yevakasiya basa uye voila, kune mibairo yakakwirira.
Uye kana toreva nezveushamwari hwevatengi, iyo yakakura kambani yeinishuwarenzi, kushoma kweushamwari hwevatengi. Pashure pezvose, zvose pamusoro pemari huru!
Wadii kutora inishuwarenzi muThailand kana ukagara pano uye kudzima muNetherlands?
Ini (makore makumi matanhatu nemashanu) ndakatora mutemo neAIA iyo isingadhure zvakanyanya.
Policy ine zvikamu zvitatu; Inishuwarenzi yehupenyu
Hurwere/Hurwere
tsaona
Yese Polisi inodhura / gore 91.490 Thb. (€2171,00)
mutengo/mwedzi. 7625. Thb. (€178,00)
Inishuwarenzi yeHupenyu;
Kubhadhara nevakafa 1.000.000 bth
Nemwoyo wose, Ad.
Ndakaedzawo. Asi nemhaka yokuti (shuga yangu yezera duku) yakanga yakati wedzerei, ndakarambwa. Wanga uri mutano 100%. Vakabvuma mukadzi wangu, uyo ari 100% zvakanaka.
Wadiwa Hans
Zvinosuwisa kuti izvi zvakaitika, asi chii chatingaita nezvazvo seboka kana kuti isu pachedu?
Tinogona kugunun'una, asi ini pachangu magadzirisiro atinoita izvi akanyanya kukosha.
1) Ndinogona kudzokera kuNetherlands kunorenda imba, asi nekuti dzimba dziri padivi remutengo, hazvichaitike kuenda kuThailand uye handikwanise.
2)Ini ndinogona kugara nevana vangu, ko ndikarwara kwenguva yakareba, ivo vanozondichengeta ini handidi izvozvo.
3) Zvino sezvo ndichiri kugona kuzvibata zvine musoro, zvingaitewo kuti ndiende kuBronbeek, asi ndaizofanira kupa 60.0/0 yemuhoro wangu wemari, iyo ishomawo kuenda kuThailand kwenguva yakareba. .
4) Kwandiri, mhinduro chete ndeyekubvisa karavhani yangu nemotokari uye ipapo kungova muNetherlands kwe1 kana 1.1 / 2 mwedzi yevana vangu, kuitira kuti mari yakagadziriswa ideredzwe , asi ikozvino yakaunzwa mberi nemakore maviri.
5) Icharamba yakavharwa neinishuwarenzi yehutano kuYunivhesiti sezvo ndakave nechirwere chakakomba, ndakavhiyiwa kenza yeprostate uye colon muChangmai Ram uye ramba uchifunga kuti inogona kudzoka.
Ini ndave inishuwarenzi neBUPA Thailand kweanenge makore gumi nemashanu, kuvharika kwakanaka, kunodhura ini nemukadzi wangu 15 baht pagore (ndakadonhedza chikamu chemurwere - approx. - 39.800 baht) kana ndine chimwe chinhu ndinoenda kuchipatara cheko. , chiremba 10.000 baht uye chero mishonga.
Kana iwe uri kurapwa muchipatara, semuenzaniso kuvhiyiwa kudiki, ingotizivisa kuti iwe unoda kurara husiku, iwe unenge uri mu-murwere uye zvese zvichabhadharwa zvakakodzera.
Sezvineiwo, ini ndanga ndisingade inishuwarenzi kwemakore akati wandei uye saka ndinogashira 10% yemubhadharo wangu gore rega rega (mubhadharo wemhuri zvakare -10%) uye mazana mashoma ebhaht andinobhadhara kukiriniki adzoka zvakare.
Ndinotengawo mishonga yangu yeBP kuPharma Choice uko ndine kadhi renhengo uye ndinowana madhiresi kubva pa15% kusvika pa25%, saka mari yacho ihafu yeyandakabhadhara muchipatara...
Chinhu chakanaka kuti BUPA haizive kuti uri kutora mishonga yeBP. Kana vakazviziva, iwe unenge usingabatanidzwe mukurapwa kwezvirwere zvemoyo. Chipangamazano wako weinishuwarenzi anogona kusimbisa izvi.
Ini ndakave inishuwarenzi neAXA kwemakore uye ndinobhadhara ingangoita zviuru gumi nezvitatu zvebhaht pagore kune murwere. Izvi hazvisanganisi chero marapirwo egomarara. Kurapwa muzvipatara zvakanaka (zvakavanzika) muKhon Kaen. Kudzoserwa kwemaitiro (pahurema) 13.000 baht. Kamuri uye kutarisira max 300.000 baht pazuva. Uyezve, zvinhu zvese senge ambulensi, aftercare, nezvimwe zvakabhadharwa zvizere. Inishuwarenzi inopera pazera remakore 2.000, asi ani naani anorarama panguva iyoyo, anoichengeta ndiani! Ehe, sezvakangoita mamwe makambani ese ari munyika, kusabatanidzwa kunoshanda, semuenzaniso kune hurema huripo. Idzi dzinogona kurapwa makore maviri mushure mekuvhara.
Ndakambonyora pamusoro peinishuwarenzi iyi, asi maererano nehuwandu hwevanhu yakanga isina maturo. Ava ndivo vanhu vangada kubhadhara 450 euros pamwedzi uye vanofunga kuti vari mumaoko akanaka. Kuenzanisira kusakosha kwemaprimiyamu akadaro: kutsiva ibvi rakazara muThailand (chipatara chakazvimiririra) kunodhura zviuru zana nemakumi mashanu, iyo 150.000 euros. Hudyu yakazara inodhura zvishoma, asi iwe unogona zvakare kuchengetedza iyo isingasviki gore kana iwe uchibhadhara 3.750 euros pamwedzi yeinishuwarenzi yako yehutano. Mari yakashata inowanikwa painishuwarenzi yeexpat, asi pane nguva dzose vanhu vanonzwa kufara (kana vakachengeteka) nazvo!
Pane zvinhu zvakawanda zvakakanganisika kwandiri, nemaprimiyamu avanobvunza ipapo, ndinofunga zviri nani kugadzira buffer yemari pane kubhadhara mapremium iwayo.
Iyo buffer, pamwe nezvausingafanire kubhadhara mumaprimiyamu mwedzi wega wega, zvinofanirwa kukwana kuvhara zvese. Mhosva dziripo dziri kutobviswa.
CZ yave kutoramba kuvhiyiwa kuNetherlands, mhinduro yaive yekuti nditore chikwereti.
Kana pane chimwe chinhu chandisingatarisire, ndapota ndizivise.
Kwaziwai, Peter
Zvinonyadzisa kuti isu vanhu vechiDutch vasingagari munyika yechibvumirano tinobatwa sei. inishuwarenzi yehutano.
Patakanga tichiri vaduku, taida kwete kana kuti kutarisirwa kuduku, asi takapa zvizere kuhutano hwehutano hwehutano pamwero weavhareji.
Iye zvino zvatakura uye tinoda kutarisirwa kwakanyanya paavhareji, hatichabvumirwi kutora chikamu muhurongwa pamwero weavhareji.
Zvinonyadzisa, zviri nyore, boka rekumanikidza idiki, harina kukosha kune chero bato rezvematongerwo enyika.
Nguva yadarika, semugari wechigarire weThailand, ndakafunga kutora kana kusatora inishuwarenzi yehutano.
Zvakazoitika kwandiri, pakati pezvimwe zvinhu, kuti mibairo inogona kuwedzera zvakanyanya nekuda, pakati pezvimwe zvinhu, mari yekurapa, inflation uye kukwira kwezera, zvekuti ndine pfungwa yekuti kana wava nemakore mashanu gare gare unozofanirwa sarudza kukanzura mutemo, kunyangwe uine mukana uri nani wekuda kutarisirwa.
Ini ndafunga kuumba homwe, inishuwarenzi, hongu, izvo hazvisi zvemunhu wese, izvo zvinogona kuva nengozi, kunyanya kana iwe uchida kutarisirwa munguva pfupi, asi ndizvo zvandakasarudza, handidi kuona izvo. in 5 years' time ndinenge ndichiri ndinofanira kusarudza kukanzura policy nekuda kwekusakwanisa.
Rangarira kuti 495 euros pamwedzi imari ye20.000 baht, iyo 240.000 baht pagore, chaizvo, iyo 5 baht mumakore mashanu, chaizvo, chiremba muThailand anogona kuita zvakawanda uye chero chero chinhu kune icho, Kana ukasadaro. unoda kutarisirwa munguva pfupi, unogona kuramba uchichengeta zvakanaka uye chiremba anogona kutarisira zvese zvingangomuka, zvinoenderana nekuti chipatara chipi chaunokumbira masevhisi.
Kutya, iyo inonzwisisika zvakare, ndiye mupi wezano kune vakawanda muNL / EU isu takajaira uye takakurira nayo, kuti zvinhu zvose inshuwarisi, asi kwete zvose zvinofanira kuitika.
Ndakambotaura paThailand blog, ndiani achakwira kugadzira poto pamwe chete kuti tiparadzire njodzi? Ndizvozvo, yako wega inishuwarenzi kambani, NVTP Pattaya kana Hua Hin?
Vanhu vazhinji vechiDutch vanogara munyika dzisina chibvumirano, saka kune vakawanda vangangove vatengi.
Hans, ini ndichakuzivisa kwauri, kupikisa uye kukumbira muNetherlands kuti, ona zvandakanyora pamusoro, tinofanira kuva inshuwarisi ipapo pachiyero chemutemo weinishuwarenzi yehutano inosungirwa, takaratidza kubatana patakanga tiri vaduku, ikozvino tinoda kubatana ikozvino. kuti tive vati kurei zvishoma. Kure, ndinotenda, chiyero chakaunzwa naHoogervorst chekuti isu hatichagone kuve inshuwarisi.
Ini ndinodaidza munhu wese kuti ataure kuna Hans, pamwe tinogona kuwana mhedzisiro.
NicoB
Sei uchitsvaga kodzero munyika yausingachadi kugara?
Iwe haupedze mari yako ikoko, iwe?
Uye gadzira yako wega kambani yeinishuwarenzi?
Iroro rinoita sepfungwa huru kwandiri.
Ini ndichaiverenga paThailand blog kana waimisa.
Neniwo ndakashamiswa nazvo, Ruud. Zvakanaka kana iwe uchida kugara kune imwe nyika, asi zvakare tora zvakaipira - kusanganisira mutengo wehutano - uchifunga paunenge uchiita sarudzo yako.
Mudiwa Ruud, mhinduro yemubvunzo wako iri pamusoro pamhinduro yangu, tichiri vadiki tairatidza kubatana, tichikura taidawo kubatana.
Isu takavaka kodzero munyika yatisingachagari, zvirokwazvo, tinogona kuvatora, chokwadi, mitemo yemutambo yakachinja panguva yemutambo, izvo hazvina kunaka.
Sezvo takavakira kodzero dzemudyandigere wehurumende, isu tavewo nekodzero yekubatana maererano nazvo. inishuwarenzi yehutano.
Kunyangwe chero ani anogamuchira hupoteri kubva chero kupi muNetherlands ane kodzero nekukasira yekutarisira, ndiko kubatana.
Zvinosiririsa kuti handina hunyanzvi hwekugadzira kambani yeinishuwarenzi.
NicoB
Ndinoda kuona zera revanhu vanopindura.
Ndine makore makumi manomwe uye handikwanise kuwana inishuwarenzi yehutano chero kupi zvako. Ndinovimba kuti kana ndikarwara zvakanyanya ndinogona kudzokera kunyika yangu nenguva. MuBelgium zviri nani kuita mhosva uye wozogamuchira kutarisirwa mujeri mushure.
Ndazivisa mapato akasiyana siyana ezvematongerwo enyika nezvekuwedzera uku
zvakare Ministry ye "PUBLIC HEALTH"
Mhinduro yeVGZ/Unive yaive yekuti vaida kuchengetedza mari dzeutano.
Mikana muThailand inogona kuve AIA, Embassy chirongwa, Cigna.
kwaziso,
Louis
Wadiwa Hans, Univé iri mu "mamiriro ekunze akaoma"; Ndine anenge ese einishuwarenzi epo uye zvese zviri kuwedzera exponentially nepo sevhisi yakaderedzwa kusvika padiki (pamwe chete neDe Amersfoorts, Univé iri munzvimbo yekupedzisira, maererano neongororo yazvino). Saka!
@ Bacchus, une kero yeemail kana webhusaiti yeAXA, kana ukatarisa painternet, hapana zvakawanda zvinoonekwa.
Iyo 13.000 ishoma kwazvo.
@Max, ndanga ndaenda kuBupa uye ndatobhadhara +- 50.000 pagore, ndapota tumiraiwo ruzivo rweBupa, webhusaiti ine mibairo nemakore ndapota.
William.
@ Willem for the premiums unofanira kubata hofisi yeBupa handizivi maprimiyamu iwayo tiri muboka reRuby + ndine makore 69 uye mudzimai wangu ane makore 49 ndagara naBupa kwenguva refu uye ndagutsikana zvikuru kuti mari yacho yave makore ekupedzisira e3 akasara akafanana isu tave nekusimudzira nekuda kwekukwira kwemitengo, pakati pezvimwe zvinhu. kamuri kubva pa2.000 kusvika ku2.400 baht / zuva, yakaitwa 2 makore mashoma apfuura, inodhura 60.000 baht, mupiro wega wega ungangoita 1.800 baht.
Kana iwe ukanyoresa neBupa usati wasvika zera re61, unogona kuramba uine inishuwarenzi.
Max
Willem, ndakaronga inishuwarenzi iyi kuburikidza naVaKasem Sriviriyakul. Iye murevereri uye anotaura Chirungu chakanaka. Email yake: [email inodzivirirwa]; runhare 022358521; nhare 0816119409.
AXA pane webhusaiti: http://www.axa.co.th/94/en/health-insurance/personal-health/
Ndine smartcare executive pamwe neni. Mukati meizvi unogona kusarudza kufukidzwa kwakasiyana. Kuita sarudzo yakanaka, zvinobatsira kutarisa mamwe mawebhusaiti ezvipatara munharaunda yako. Mari dzinowanzotaurwa ipapo (kuzvipatara zvakazvimiririra). Imwe sarudzo: Ingoshanyira (chakavanzika) chipatara uye ugoziviswa nezvemitengo. Nenzira iyi ndakasarudza. Somuenzaniso, muchipatara cheKhon Kaen Ram, kwandave ndiri, mari dzokurapwa uye dzokugara dziri nani ne100% pane zvaitarisirwa! MuBangkok nenzvimbo dzakatenderedza sePattaya, Hua Hin, Phuket, mitengo ichakwira zvakanyanya. Nyaya yekugovera uye kudiwa!
Iwe unogona zvakare kutarisa inishuwarenzi yeinishuwarenzi http://www.thaihealth.co.th/2012/product_wealthy_eng.php Shamwari yangu (66 yemakore) ichangobva kutora inishuwarenzi pano.
Rombo rakanaka uye ndiri kuda kuziva nezvemhedzisiro!
Sei uchironga inishuwarenzi yehutano kuburikidza nemumiriri weThai anotaura Chirungu, iwe uchigonawo kuita izvi muchiDutch nemurevereri ane mukurumbira wakanaka kwazvo: http://www.VerzekereninThailand.nl naMatthieu kana Andre muHua Hin. Zvisiire kune nyanzvi. Ivo vanotarisira iyo yese yekutamba nhandare yevanopa, kusanganisira ese epasi rese hutano inishuwarenzi asiwo maDutch marongero ekunze.
Moderator: Ndapota usataure.
Univé yakapindura kune yangu yechipiri email seizvi:
Iyo premium yakakwira zvakanyanya nekuti vatengi vazhinji vari mupolicy iyi vanoshandisa yakawanda inodhura kuchengetedza, ndosaka isu tichimanikidzwa kuwedzera iyo premium. Mutengo (kukuvadzwa) unoenderana neiyo premium yepasirese mutemo unosiyana zvakanyanya kana uchienzaniswa nezvigadzirwa zvenguva dzose nekuti zvinonyanya kutarisisa kune dzimwe nyika, zvinogamuchirwa mumakiriniki akazvimirira uye vapi vehutano havapihwe chibvumirano. Pamusoro pezvo, mitengo yekurapwa yakakwira zvakanyanya munyika dzinoverengeka kupfuura muNetherlands.
Uyezve, vanhu vakura vazhinji vanomiririrwa mune izvi zvigadzirwa, vaine mutoro wakanyanya wekuda kupfuura avhareji. Ivo vane inishuwarenzi vasingadye hutano vari vashoma uye havagone kubhadhara kukuvadzwa kwakaitwa nevanodya.
Tonny Bruens
Healthcare Customer Service Department
Eya, izvozvo zvaifanira kukarirwa. Mainishuwarenzi anorarama nenhamba. Chero ani zvake ane makore anopfuura 45 haafadzi kune inshurensi yehutano. Anodhura kupfuura zvaanogadzira (paavhareji).
Zvinosekesa zvakare kuti vamwe vanhu vanofunga kuti vanofanirwa kumisikidza yavo inshurensi, zano rakanaka asi risingaite zvachose. Murwere weitsvo dialysis achakubhadhara 100.000 euros pagore. Tomboti mune maviri pakati?
Handifunge kuti unofanirwa kushamisika kana mutemo uyu uchizoenda ku750 euros pamwedzi. Uye usakanganwe, hutano muThailand hausati hwachipa sezvo chipatara cheBangkok chiri kutenga makiriniki mazhinji. Nenguva isipi ivo vachave monopolist uye vanogona kubvunza chero chavanoda.
Zvinogumbura, asi nerumwe rutivi, haufanirwe kubhadhara mutero wemari muThailand, saka….
Ini ndichatsanangura kuti nei mutemo weUnive wepasirese uchizonyanya kudhura mumakore mashoma. Iyi yakakosha premium yekuwedzera ichaita kuti vadiki / vane hutano vane mapolicy vanoenda kunotenga. Vanoshandura kune imwe inshuwarisi kana mutemo. Chasara vanhu vane inishuwarenzi vasingakwanisi kubva nekuti vachembera kana kuti vanopinza mari yakawandisa. Mutoro wezvikumbiro pane iyi portfolio uchawedzera zvakanyanya uye inshurensi ichawedzera iyo premium zvakanyanya mukupindura. Hapana inishuwarenzi inoda kuita kurasikirwa pane chigadzirwa kana portfolio. Uye pahomwe yemubatanidzwa senge Univé, zvinyorwa zvemubatanidzwa zvinotaurawo kuti maprimiyamu anofanirwa kunge achivhara mutengo. Idenderedzwa rakashata risingagoni kumiswa.
Uchenjeri uhu ndinohuwana sei? Ndakashandira mainishuwarenzi ehutano muNetherlands kwechikamu chikuru chehupenyu hwangu munzvimbo dzakasiyana siyana dzekutungamira dzinosanganisira kutengesa, kuvandudza zvigadzirwa uye kushambadzira.
Zvinosetsa uye zvinosuruvarisa panguva imwe chete, ndakawana mhinduro yakasiyana zvachose:
------
Ndinokutendai zvikuru nokuda kwe email yako iyo yaunoratidza kuti iwe unoshamisika pamusoro pemari yako yepamusoro ye 2015. Ndinonzwisisa kuti kuwedzera kwemutengo uku kunogumbura iwe, uye ndinoda kukupa tsananguro.
Mari yehutano muNetherlands ichawedzera muna 2015, nokuti kubva munaJanuary 1, vatsigiri vehutano vachabhadharawo mukoti wemunharaunda kune avo vane inishuwarenzi (kare izvi zvakabva kuAWBZ). Nekuda kweizvozvo, iyo premium ye2015 yakakwira kupfuura muna 2014.
Mukuwedzera, kushandiswa kwehutano kwakawanda kunotarisirwa muna 2015. Izvi zvakare zvine mhedzisiro inowedzera pane iyo premium.
Aya mabhindauko zvakare akasanganisirwa nebazi rezveutano, rekugara zvakanaka nemitambo (VWS) pakuverengwa kwemari yemacalculation premium yegore ra2015.
Nekuda kwezviri pamusoro, iyo premium yeUnivé Universeel Complete policy ichawedzerawo.
*gomera*
Ini ndakadzimwa kubva kuNetherlands kubva muna Chikunguru.
Uye hapana inishuwarenzi muTL parizvino.
Ndine shuga yakareruka muchembere.
Handina kunzwa zvakanaka ndokuenda kuchipatara chemasoja.
Ndakaongororwa ropa rakazara, pamwe ne x-ray yemapapu angu.
Bhiri: 500 baht.
Mazuva mashomanana gare gare mufananidzo wemaziso angu nekuda kwekukuvara kunogona kuitika neshuga. 200 baht.
Mishonga yemwedzi mitatu 3x pazuva, 2 Baht.
NEI: Bhadhara kudarika zviuru makumi maviri zveBaht pamwedzi! ! ! =20.000 baht
Chengetedza mari iyi iwe pachako.
Ndanga ndichibhadhara mari yeinishuwarenzi yehutano muNetherlands kubva ndichiri mudiki
Usambozvishandisa.
Kambani yeinishuwarenzi yehutano yakaenda kuzororo nekuda kweizvi.
Uye akagamuchira anti-social muhoro weizvi kwemakore.
Uye kana akasarudza kurega, achagamuchira ruoko rwegoridhe rwatinofanira kunge takashanda kwemakore anopfuura 10.
Kune rumwe rutivi, kunewo vanhu veDutch vanoiparadza.
Ndinoziva mumwe munhu aive muimba yega paEAK-Udon.
Imba yeVIP, mibhedha miviri, ine TV, uye ine firiji yayo
Aingove nedambudziko nemusana.
Zvose zvakabhadharwa neDutch health insurance fund.
Ndakaverengawo muzvidimbu zviri pamusoro apa kuti hakuna bato rezvematongerwo enyika ringade kupikisa izvi.
Hapana munhu pano anoziva PVV? ? ? ?
Geert Wilders anga achishanda panyaya iyi kwemakore.
Asi anoramba akanyarara, vamwe vese vehurumende yedu inopikisa magariro evanhu vanomutya.
Iyo PvdA iri pamubhedha naRutte.
Pamwe chete vari kubatsira Dutch welfare state kuenda kugehena. . . . . .
Inishuwarenzi yehutano, chimwe chinhu chatakabhadhara tose kubva pataive nemakore gumi nemashanu.
Makanaka Jan
Jan, hautendi chaizvo kuti kune kana bato rimwe rezvematongerwo enyika rinogona kusimudzira hutano kune vanhu vanosarudza kugara kune imwe nzvimbo?
Wadiwa Jan,
Zvichipa maitiro akawanda;
Ini ndinogara muBangkok - Lak-Si uye kune zvakare chipatara padhuze neni paChiang Watthana Road, yaitaridzika zvakanaka, yakafanana mhando seyeNetherlands. Ndakabhadhara €52 nokuda kwechigunwe chinorwadza zvikuru, kubatanidza pfuti yetetanus uye kudzokera katatu nokuda kwokuchenesa ronda namabhandeji matsva.
Saka kune zvipatara zvinobhadharisa mwero une musoro.
Saka ndiri kufungawo nezve kuchengetedza € 400 pamwedzi seinishuwarenzi "yehutano" uye ndinofunga vanhu vazhinji vanodaro.
Zvichida tinogona kuita "hari" yakabatana, nokuti dambudziko richangowedzera mune ramangwana.
Ndiri kushamiswa nekuita kwaKhun Peter kuti dialysis yeitsvo inodhura € 100.000 pagore.
Kana paine vanhu vakati wandei vanoda kuita "joint" fund, isu tichafanirwa kusarudza zvipatara zvinoenderana nemhando uye mutengo.
Ndiri kufarira kutaura nevanhu vakati wandei nezve izvi uye vanogona kunditumira email pa; [email inodzivirirwa]
Kwaziwai Nico
Nico, Khun Peter's 100.000 euros kwegore reitsvo dialysis yakawedzera zvishoma. Pakurapwa kushanu kwemaawa mana pasvondo unobhadhara pakati pe5 ne4 euros. Ndiwo huwandu hwe500 euros pagore ne1.000 dialyses pasvondo. Ichiri huwandu hwakakosha, asi hapana pese pese pe52.000 euros!
Nzira yemitero yega yega inoshanda sei? Usambotaura kuti "vanhu" vanobhadhara chii chaizvo, nekuti - funga nezvegumi remari yeAlva: yakakonzera kumukira kwemakore makumi masere.
Zveinishuwarenzi yehutano: izvi zvine zvikamu zviviri:
a) chikamu icho mugari wega wega anozvibhadhara, angangoita Euro 100 pamwedzi.
Mukuwedzera: mushandirwi anobhadhara 5,65% yemubhadharo wemuhoro. Nemuhoro weE 30.000, izvi zvinoreva imwe E 1695 yakawedzerwa pagore.
Semunhu anozvishandira zvinotodhura, ndakafunga 7,25%. Saka .. sabhuku uye E 30,000 mari = E 2175 yekuwedzera pagore
Uye zvakare kune mupiro wehurumende kubva kumari yemutero. IKO ndiko kunobhadharwa Euro 84 bhiriyoni, kana 17 miriyoni vanhu vechiDutch: Euro 4.940, kana: E 412 pamwedzi.
Semunhu ari pamudyandigere, wasarudza iyo yeThai mutero wemutero, saka usacheme kana iwe uchifanira kubhadhara yakawanda yekuwedzera kune chimwe chikamu.
Moderator: ndapota rambai muine mari yekurapa.
Ingori zano, asi haugone kuwana inishuwarenzi munyika yakatenderedza, semuenzaniso, Malaysia,
Australia, kana zvichidikanwa China, pamwe ongorora zvishoma? Handizivi, pfungwa chete, ndakadaro
Dzimwe nyika dzekunze dzinoita sei?
Ndakunzwa Kwaziwai Tom
Nei paine kukakavara pamusoro peinishuwarenzi yehutano yeDutch inodhura? tora mutemo weThai BUPA, pakati pevamwe (ndave nayo kwemakore anopfuura 15), mari yangu nemudzimai wangu ishoma pane 1000 Euro pagore, kana pasina chirevo, 10% (inenge 100 Euro ichadzorerwa. )
Asi haufanirwe kumirira kusvika wapfuura makore makumi matanhatu nerimwe usati watora mutemo, zvikasadaro zvichanyanya kudhura.
Ndinotenda kuti havasi vese vaverengi vakaverenga / vakanzwisisa nyaya yangu nemazvo. Tisingarevi avo vanoramba vachiti expats vane nzira mbiri kana kuti vanofanirwa kuziva mutengo vasati vatamira kuThailand. Kana kungotenga inishuwarenzi yakachipa kumwe kunhu.
Vadiwa vaverengi: handiro dambudziko. Ndakanyatsoongorora nyaya yacho ndisati ndatora Univé's Universal Complete Policy. Makore mana apfuura yaidhura 295 euros. Mari inonzwisisika yehukuru hweinishuwarenzi. Kupikisa kwangu kunopesana nekuwedzera kwekukurumidza kwemutengo kusvika ku495 euros. Mari yezvehutano yeUnivé kune dzimwe nyika yakawedzera zvakapetwa kaviri mumakore mana? Handikwanise kuzvifungidzira. Mukuwedzera, zvinoshamisa kuti mutengo wakaderedzwa gore rino kubva ku365 kusvika ku360 euros. Chokwadi kwete nekuda kwekuwedzera kwakanyanya kwemitengo yehutano?
Nharo yekuti expats haifanirwe kunyunyuta nekuti vane vabvisirwe mutero haina basa. Kutanga, haasi munhu wese anoregererwa, nepo zvichiita sezvisina musoro kupfuudza kusabvumirwa uku nenzira inotenderedza kumakambani einishuwarenzi akazvimirira, kunyangwe asiri purofiti panyaya yeUnivé.
Mhedzisiro yezvese izvi sekutsanangurwa kwaKhun Peter: vane hutano vanozozvibata vega (vanofunga), nepo 'vakakuvadzwa' vachimanikidzwa kubhadhara zvakanyanya uye zvakanyanya. Ipapo vanhu vakawanda vechiDutch muThailand vari kunyatsofamba-famba vasina kuchengetedzwa, kunyange izvi zvichange zvichinetsa hurumende neveinishuwarenzi muNetherlands. Vanhu vakaita seni, vakaonekwa kuti vane chirwere cheshuga pasina mvumo, havana sarudzo, nokuti hapana inshuwarisi inoda kuisa inshuwarisi yeimba inopisa.
Ini ndinofunga kuti vakuru muThailand vanodhura zvakanyanya kupfuura 295 euros pamwedzi.
Iko hakuna mabhureki pakushandiswa kwezvipatara muThailand, nekuti zvese zvinodzoserwa.
MuNetherlands unotanga washanyira Chiremba wezvirwere zvese.
Izvi zvinodzivirira kuwanda kwekupinda muzvipatara.
Uye sei iwe uchibhadhara zvakachipa muchipatara chehurumende, iwe uchikwanisawo kuve wega muchipatara chakazvimiririra?
And those private hospitals vanotoonawo kuti zvese zvinobhadharwa.
Uyezve, iyo premium inopesvedzerwawo nemitengo yekuchinjana uye euro ichangobva kuve isinganyanyi kukosha.
Uye hongu, chokwadi chekuti mukomana ane nguva yakaoma muThailand mhedzisiro yesarudzo yekuda kugara muThailand.
Icho ndicho chese-mupakeji.
Kune rumwe rutivi zuva uye kune rumwe rutivi mari yehutano hwehutano.
Iwe haugone kungosarudza zvinhu zvakanaka kubva pasuru iyoyo.
Anodiwa Hans,
Chandisingaverenge pano kubva kune avo vanyora pamusoro vangave vasina kuroora kana kuroorwa. Ndinoda kupa kuwedzera kudiki kune avo vakaroora mukadzi wechiThai anoshanda paCoverment.
Kana mudzimai wako achishanda pakuvhara uye iwe wakaroora, iwe unovharwa neinishuwarenzi yake, uye iwe unobhadhara zvakafanana neThai 0,35 yekugeza kubva mundangariro. Saka kune avo vane hanya nezviri pamusoro, zvakakodzera kukurukura nemudzimai wako (Inoshanda chete kuzvipatara zvehurumende)
Uyezve, akati wandei mazano akatsanangurwa pano, sekumisikidza yako wega kambani yehutano, haaite senge nzira iri nyore, asi ndiani anoziva, ini ndiri kufarira kuenderera mberi nekugadzira bato uye kumanikidza. iyo Netherlands maererano nehutano hwehutano pano muThailand, inoratidzikawo kwandiri sechinhu chakanaka, isu tinowanawo penjeni yedu yehurumende pano, nezvimwewo, saka ini handioni kuti sei kutarisira munyaya iyi hakusi mari yakawanda ye falanges. , pasinei netsanangudzo dzevamwe pano.
Ini handina ruzivo rwekuronga chimwe chinhu chakadai ini uye ndinoshamisikawo kuti ungasvika sei kune imwe neimwe falang, sezvo ini ndinotenda kuti havasi vese vari paThailand blog Zvichida kuburikidza nekunze kwenyika muNetherlands kana embassy.
Ndiri kuda kuziva nezve yekutevera pane iyi dingindira.
Hendrik
Pasina kuda kubhadharisa, hazvishamise kuti mainishuwarenzi anowedzera mari yacho zvakanyanya, vazhinji vavo vanga vatove nechakashata vasati vaenda kuThailand, sarudzo inotariswa nekuti ipapo zvichemo zvaizopera sechando muzuva reThai kana kuwedzera. zvinogoneka.
Zvinoita sezvinobatsira veinishuwarenzi nekuti ipapo havazodaidzwa chero nguva munguva pfupi, asi hapana chingave chiri kure kubva kuchokwadi, ivo vanotumirwa chiziviso chimwe mushure mechimwe. Marwadzo pano, kukwenya uko, kungopinda muchipatara cheThai, uye pamusoro pazvo, pane zvakare hurema hunounzwa nekuchembera, zvichiita kuti mari yeinishuwarenzi iwedzere zvakanyanya.
Hongu handidi kugara pachigaro chachiremba, asi chinondirwadza ndechekuti pakutaura nevanhu vekunyika yavo, vanenge vese vanenge vaine chavari kunetsa, panoita kuhwihwidza nekugunun'una uku vachitungidza mudzanga mumwe uchingotaura nyaya. huwandu hwedoro hatichataura nezvazvo.
Nenzira, ndakaverenga mumhinduro dzakawanda kuti vamwe vanhu vari kufamba-famba vasina kuvimbiswa muThailand nekuda kwepamusoro-soro kana kuti vane chinangwa chekudaro Mune ramangwana, kudana kwekutsigirwa kungangoitwa pamaforamu akasiyana-siyana uye mablogiki nokuti a munhu wemunyika yake ari mudambudziko nekuti haana kubatsirwa nekuti haana inishuwarenzi uye haana mari yake. Pamwe kudzika musasa pabhenji mupaki, kusachenjera zvakanyanya kunyangwe mamiriro ekunze akanaka kupfuura muNetherlands ...
Mhoro mose,
Isuwo takatambura nedambudziko uye mushure mekutsvaga kwakawanda uye kuenzanisa takazowana inishuwarenzi yataida, asi nerombo rakanaka (mushure mekunge waanoziva akatibatsira nekunongedza inishuwarenzi yake) uye ndinovimba kuti tinogona nzira imwe unogona kubatsirawo. Kutanga, ndicharatidza mapremium emudzimai wangu (60) neni (74) sezvinotevera. Kumudzimai wangu 1980 euros uye kwandiri 3480 euros pagore. Izvi zvinoenderana neMukurwara, Zuva Kese uye Kunze Murwere. Isu takanga tichine sarudzo pasina Out Patient uyezve maprimiyamu akaenzana 1605 euros uye 2790 euros.
Inishuwarenzi yedu haina deductible uye yakazara kune dzimwe nyika, saka iwe une inishuwarenzi paunoshanyira Netherlands kana dzimwe nyika (kunze kweUSA & Canada). Ndakabvunza nekambani yeinishuwarenzi nezve kugamuchirwa kwakavakirwa panhoroondo yekurapa uye izvi zvinogamuchirwa chero munhu akagamuchira zano remupi wezano wekurapa. Zvose zvinogamuchirwa, kunyange avo vane makore anopfuura 70. Mari yakawanda inofanira kubhadharwa nemunhu ane inshuwarisi pagore ndeye: 500.000 euros. Tine zviitiko zvakanaka maererano nekudzosera mari.
Inishuwarenzi iyi chikamu cheimwe huru yeEuropean inshuwarisi. Sezvo kutaurirana kuchiitika zvachose muChirungu, hapana dambudziko rinotarisirwa kuvanhu vazhinji. Panguva ino, vamwe vatinozivana navo vapindawo.
Kana pane anofarira, ndinofara kubatsira nekuti tinoziva kuoma kwenyaya. Unogona kutisvikira pa: [email protected].
Ndinewo ruzivo nezve'inishuwarenzi yangu' nekuti watinozivana naye akafunga kuti anogona kuzviitawo. Saka akanga anyanya kunonoka uye iye zvino haana bindu uye ari kurwara nechirwere chakakomba. Nezvirwere zvakadai sekenza, huwandu hwausingachakwanisi kuzvipa iwe uye iwe unowanzo kunonoka kudzokera kuNetherlands, semuenzaniso, kana nekuda kwehutongi uye matambudziko nekubatanidzwazve.
aad
Kero yeemail yawakapa haina kururama.
Ndaitarisira kuwana ruzivo.
Kwazisai,
Louis
Ndaive nemakore 15 pandakatanga kushanda. Ndakanga ndine makore 66 pandakadzimwa kubva kuNetherlands. Kubhadhara mapremium kwemakore makumi mashanu nerimwe, uye hapasisina kodzero. Nguva nenguva ndinoverenga kuti kune zvakanakira kugara muThailand. Kuti haufanirwe kunyunyuta kana ukasarudza kudaro. Ndakaverenga zvakare kuti vatungamiriri veinishuwarenzi yehutano vanotambisa mihoro mikuru, yese inodarika € 51, pamwe nemhando dzese dzekuwedzera, mota yekambani, mubhadharo wakakura wemari (muhoro wakavanzika?) mapakeji erupo ekusiya, nezvimwewo. Mudzimai wangu wekuThai ane chiremba mumhuri, anowana mari inosvika (yakawanda!) € 400.000 pagore. Ndakanga ndichiita zvakanaka muNetherlands, ndakanga ndisingafaniri kuenda, asi zvakaitika kuti ndikasangana nemumwe mukadzi akanaka wekuThai nemumuzambiringa. Makore mashanu mushure mekunge mudzimai wangu wechiDutch afa nekenza. Ega zvinoreva ega, uye mukadzi wechiThai aisada kugara muNetherlands, kunyangwe ange aveko kwemwedzi mitatu. Asi handisi kunyunyuta! Nekuti ndine chirwere cheshuga mellitus, hapana kambani yeinishuwarenzi inondida. Izvi ndizvo zvakaitika kwandiri. Ndinoona zvisina musoro kuti ndakagurwa kubva kuDutch health insurance. Saka ndinongochengetedza ndine tariro yekuramba ndiri mutano.
Chinhu chinosuruvarisa zvakadaro. Expats neinishuwarenzi neONVZ ichabhadhara maeuro maviri ekuwedzera pamwedzi muna 2015. Mutengo unobva ku357 kusvika ku359 euros. Ko ONVZ haifanirwe kubata nekukwira kwakanyanya kwemitengo yehutano? Kana kuti ONVZ inotarisira zvirinani vatengi vayo kupfuura Univé….
Wadii kuita inishuwarenzi muBelgium? Neniwo uye inoshanda zvakanaka pa75 Euro pamwedzi kwandiri nemukadzi wangu pamwe chete.
DKV medicard uye ndizvozvo, ndine urombo
Zvakachipa, asi une makore mangani?
http://www.dkv.be/nl/content/waarborgen-in-het-buitenland_1/
http://www.globality-health.com/en/yougenio/globality-yougenio-world.html
http://www.globality-health.com/downloads/YouGenio_World_Tables/Premiums_EUR_YG_WRD_1301_new.pdf
60 nemukadzi wangu 42
Ndiri Dutch asi ndakashanda pasi rose kuburikidza nekambani yeFrance yekambani yeBelgian neDutch kwemakore ekupedzisira e20. Kunyanya kuPhilips.
Ah, zvakare imwe nzira inshuwarisi kuburikidza neIAK muEindhoven. Ingobata navo. Vanewo sarudzo.
Ipapo iwe unofanirwa kutsanangura kuti sei DKV ichichaja mitengo inotevera yeinishuwarenzi yakachipa (ona yapfuura link 3)
Kana uchigara muThailand, iyi ndiyo zone 3
Zvakakosha - 40/44 makore i88 Euro uye pakati pemakore 60/64 iyi i197 Euro pamwedzi.
Saka zvinoita kunge zvakasiyana zvachose kwandiri pane 75 Euro kwamuri mese.
Saka chimwe chinhu hachina kunaka uye chimwe chinhu chinondiudzawo kuti DKV haisi rubatsiro.
Ini ndiri muBelgian uye pachangu ndine inishuwarenzi yechipatara neDKV, asi izvo hazvina kufanana neinishuwarenzi yehutano. Mari iyoyo yaigara ichibhadharwa nemushandirwi wangu ndichiri kushanda, asi iye zvino ndinoibhadhara pachangu.
Wadiwa Roi, iro rinogona kunge riri zano rakanaka, une nyika yeBelgian?
DKV inodzivirirawo mamwe marudzi here? Iyo webhusaiti yeDKV haipe mhinduro kune izvi.
Zvichida iwe unogona kutaura chimwe chinhu pamusoro pemhando uye kunzwisisika kwekuvhara?
Kutenda mberi,
NicoB
@ rori, ndakatarisa dkv.be/nlessenl, iyo yakachipa, asi pazera rako rinouya ku197 Euro PP, zvichida pane chimwe chinhu chakashata pane imwe nzvimbo???
Zvichida iwe unogona kutumira webhusaiti zvakare.
Mari yaunotaura ndeyemunhu ane makore 35?