Chiitiko chisingafadzi zvakanyanya neCigna hutano inishuwarenzi (chikamu 2 - mhedziso)
Pamwe unovaziva, iwo mabhurocha anopenya azere neakanaka masirogani ekushambadzira kubva kumakambani einishuwarenzi ane simba. Kuvhara kwakakwana kweanenge matambudziko ose pamitengo yakaderera, kubhadhara muchiitiko chekukuvadza chidimbu chekeke, etc ... Mukuita, zvinowanzova zvakanyanya kuoma kupfuura mabhurocha anovimbisa, iyi inyaya yakadaro inoshanda.
Inoenderera mberi chikamu 1
Zvekuita izvozvi, kuchinjira kune imwe inishuwarenzi zvaive kunze kwemubvunzo wakapihwa chimiro changu semurwere wegomarara uye zera rangu (73), chakasara kwaive kuramba ndisina kuvimbiswa. Dzimwe sarudzo dzeinishuwarenzi yehutano inobvira dzaive;
- muchato, izvi zvinoreva kuti unogona kutora inishuwarenzi yeThai iyo yakachipa zvakanyanya
- inishuwarenzi yeDutch ine sky-high premium
- inishuwarenzi inokwanisika yakasiyana asi nekusabatanidzwa kwenhengo dzese, nguva yekumirira ye5-gore uye wozongomirira uye kuona uye premium surcharge ye30% kana kupfuura.
Hapana imwe yedzimwe nzira dzakandifadza, saka ndakasarudza kuisa njodzi yekuramba ndisina inishuwarenzi. Zvichakadaro, ndakanga ndatumira nyaya yangu kuCIFO, iyi inhengo yakazvimirira yehunyanzvi iyo Cigna yakabatana nayo, sarudzo kana paine kukakavara inosungirwa kudzivirira mhosva dzinodhura uye dzakareba, hapana kukwidza kunze kwekuisa nyaya yevagari.
PaCIFO zvaive zvakakosha kupfupikisa ruzivo rwese rwakakosha pamusoro pekare rezvokurapa uye kutumira kune sangano iri, kunze kwekupindura nhamba yakawanda yemibvunzo nemafomu kuitira kuti uwane mufananidzo wakanaka wemamiriro acho ezvinhu. Asi nguva yekurapa yakareba uye dzimwe nguva inogona kutora kusvika gore. Uye ipapo ... mira kumirira kumirira Gunyana, Gumiguru Mbudzi. Mamwe mafomu, mibvunzo yakawanda, kuwedzera kwekuwedzera, nezvimwewo Panguva ino, ndakavhiyiwa prostate, iyo yandakabhadhara ini, nokuti mamiriro ekurapa akanga ava kukurumidza.
Mushure mekuita kwenguva refu kwenguva inopfuura maawa mashanu uchishandisa tekinoroji yeDaVinci, prostate inosanganisira metastases yese yakabviswa. Mushure memazuva mashanu mukamuri rakanaka ku5e Ndava pauriri hwekutanga, ndakakwanisa kuenda kumba kwangu muChaam kuti ndirambe ndichisimbisa. Sezvineiwo, ndakawana rubatsiro rwakanyanya, vanachiremba nemanesi vaive nehushamwari uye neruzivo, asi ndakashamisikawo kuti kureba kwaida kumuka pamubhedha mushure memazuva maviri kuti vambofamba zvishoma nekuti vanhu vaive vasina kujaira izvozvo. . Zvaishungurudza kuti maawa matatu ega ega, siku nesikati, mukoti akanaka anouya padivi pemubhedha wako kuzoyera tembiricha yako neBP. Zvakanaka kutaura kuti Mambo Bhumibol akanga awanikwa chete 2 pasi pakakwirira mubapiro rimwechete kwemakore akawanda uye ndakashamisika kuti kwakanga kuchine varwi vakawanda vepamusoro-soro vaifamba-famba.
Sezvinei, waive muna December ndakaenda kunobvunza mamiriro efaira rangu kuCigna. Pashure pokunge ndasimbirira, ndakagamuchira shoko rokusimbisa rokuti faira rangu rakanga ranzi nderokukurumidzira uye yaisazotora nguva yakareba kuti ndiwane chero shoko rine revo. Ndakagamuchira mameseji mamwe chete muna Kukadzi, Kurume, zvichingodaro. Nguva yekuchinja kwenzwi kuisa zvakanyanya kumanikidza panyaya. Nguva pfupi pashure pacho ndakagamuchira chimwe chikumbiro chokuwedzera mashoko, pashure pacho ndakagamuchira shoko mukutanga kwaApril kuti munhu aitarisira faira rangu akanga ari pazororo regore kwenguva isingazivikanwi. Ikozvino ndashandira makambani eAmerica kwerinenge basa rangu rose uye ndinoziva zvinorehwa nekutaurirana uku, faira rakasiiwa rakarara pasi, hapana chakaitwa nezvazvo uye ndakawana munhu mutsva wekuonana naye akabva amhanyisa maitiro, kusanganisira. kukumbira ruregerero kwenguva refu yezviitiko. Uye hongu, pakupera kwaChivabvu ndakakumbirwa kutumira ese invoice zvakare, uye zvakare kupfupisa izvo zvakaitika mune yangu ruzivo. Zvino mavhiki mashoma ekunyarara zvakare uye pakutanga kwaChikunguru ndakakumbirwa kuenda kune gweta kuti inyore kuti ruzivo rwese rwakatumirwa rwakapindurwa nemazvo. MuThailand ichi ndicho chokwadi chidimbu chekeke.
Kwakanga kwatova kutanga kwaNyamavhuvhu pandakagamuchira shoko rokuti kupedzwa kwakanga kuri kuitika uye kuti ndaigona kutarisira miuyo mukati memavhiki mashomanene. Uye hongu, muna Nyamavhuvhu 14 neChishanu manheru, email hombe kubva kuCIFO. Nemaoko anenge achidedera ndakavhura apendix yakakura, ndikaverenga, ndikaverenga mutauro wakawanda wepamutemo uye pane peji yekupedzisira chiziviso chekudzikinura kuti ndakange ndaratidzwa chokwadi pazvinhu zvese, Cigna aifanira kudzorera mari yese yekushandisa uye ini ndanga ndakakodzerawo. nokuda kwekukuvadza. But...ndanga ndisati ndavepo iyi yanga irikurudziro ndaifanira kutenderana nemaresults asi Cigna akadarowo. Saka kwakauya mamwe mavhiki maviri anonakidza pandakazogamuchira email yekudzikinura kubva kuCigna mavakagamuchira mutongo wakazara weCIFO uye saka pakanga paine kudzoreredzwa kwakazara. Unogona kufungidzira kuti ndaiva nekupera kwevhiki kwakanaka kwazvo, kwete chete nokuti ndakanga ndarevererwa zvachose asiwo nokuti ndakanga ndisisiri asina inishuwarenzi.
Slotwood
Sezvineiwo, kuchine kururamisira uye nemakakatanwa akakodzera, kutsungirira, humbowo, nezvimwewo, basa iri rakabudirira.Zvisinei, ndingadai ndisina kuita izvi pasina rubatsiro rwakanaka uye kutsigirwa kweAA Insurance, Matthieu Heijligenberg neboka rake. Pamusoro pazvo, Matthieu ndiye akakwevera ngwariro yangu kuCIFO nokuti aidavirawo kuti kusaruramisira kukuru kwakanga kwaitwa kwandiri.
Yakatumirwa naDo
Shingirira. Makorokoto!
Makorokoto, basa chairo.
Unogona here kugara ipapo?
Kana kuti iye zvino vatokurambidzawo kuti usaite cancer?
Muchiitiko ichi handina kukwanisa kuwana tsamba dzose muChirungu.
TOP ye.iwe.
Hans van Mourik
Mhoro Hans,
hongu, ndinogona kugara kuCigna zvakare sezvazvaive zvisati zvaitika, saka hapana chinotongwa. Zvemutemo English kunyanya raive basa chairo, asi ndakagara muUSA kwemakore matatu saka ndakakwanisa kubata izvi.
Uyezve, ini zvechokwadi ndaive nebasa rakawanda rekuita nepamusoro uye nepamusoro, asi ini ndaitenda mukubudirira uye kurega yakanga isiri sarudzo, mufunge, rubatsiro uye zano kubva kuAA inishuwarenzi rakange rave kuita sarudzo.
Makorokoto. Sezvineiwo zvakapera zvakanaka.
Ndinogona kubvunza nezve pfungwa yekuroora Thai? Ndaifunga kuti waikodzera chete kuwana inishuwarenzi yehutano yeThai kana ari mubasa rehurumende?
Hi Frits,
pfungwa dzako ndedzechokwadi, ndinokutendai nemhinduro yako / yekuwedzera.
Mudikani, ndiri kudawo kuziva kuti ndingakwanise sei kuwana inishuwarenzi yehutano yeThai kuburikidza nemuchato wangu nemukadzi wangu wekuThai. Zvinoita here kuwana webhusaiti yekambani yeinishuwarenzi yakadai, ndapota? email address yangu. [email inodzivirirwa]. Kutenda mberi.
Mudikani, ndirikudawo kuziva kuti ndichiri kutora sei inishuwarenzi semunhu akaroora.
Ndinokutendai mberi!
[email inodzivirirwa]
Nyaya yakanaka uye yakajeka.
Ini ndinongoda kuziva rumwe ruzivo nezve kutora inishuwarenzi, izvo zvingave zvakachipa zvakanyanya kana wakaroora mukadzi wechiThai. Ndinokutendai mberi
Lung kees
Anodiwa Lung Kees,
Mukadzi wekuThailand wawakaroora anofanira kushandira hurumende. Kana zvakadaro, iyo premium inofanira kubhadharwa inogona nyore kuva 40-50% yakachipa, ndapota cherechedza kuti iwe uchapedzisira wava muchipatara chehurumende, izvo zvinoreva kuti iwe unogona kuwana kukwidziridzwa kune kamuri duku kana muimba yega, kana ... ... izvi zviripo, izvo kazhinji zvisiri izvo uye unopedzisira wava mukamuri hombe rine vanhu makumi mana kusvika makumi mashanu.
kwaziso
Dominic van Drunen
Zvichida mubvunzo webenzi: sei wakachinja pazera iro uye nekumashure uye nezvimwe zvisina kunaka zvingangoitika? Ndinoreva kuti mutsauko mumaprimiyamu hausi wezviuru zveeuro pagore, ndizvo here? Ndinoyeuka apo Bupa yaiwanzoita mari inenge 75 euros pamwedzi nokuda kwebasa rakawanda kwazvo.
Wadiwa Peter,
Kwete mubvunzo webenzi zvachose, ndakakanganisa pano sezvo ndisina kunyatsoona kuti zvingangoitika zvakashata zvingave zvipi.Zvisinei, ndinotenda kuti inishuwarenzi yeAA ingadai yakanongedza izvi kwandiri uye ivo zvino vachazviita.
Kwaziwai
Dominic van Drunen
Ndokumbirawo kubvunza Mr Do kuti kurapwa uku kwakadii.
PSA yangu ndeye 8.9 uye handina kenza, ndaiva neMRI imwe chete uye maviri biopsy akaitwa, saka ndinoda kuziva mari.
Nekuti ndine zvakawanda zvekusabatanidzwa, iniwo handina inishuwarenzi uye ndinotarisira mhedzisiro yakanaka.
Anodiwa Driekes
Kushanda kwakakwana neDaVinci nzira, kusanganisira mazuva mashanu muchipatara, aftercare mukoti, nezvimwewo, zvakandidhura 5 19.000 euros. Ndapota cherechedza kuti uku kwaiva kuvhiyiwa nekamuri yega yega uye 5 nyeredzi kutarisira kwe4 usiku. Izvi zvinogona hazvo kuitwa zvakachipa nemaitiro echinyakare uye kugara muwadhi, wobva wavimba nezve zviuru gumi nezvitatu zvemaeuro.
Kana uchida mamwe mashoko, ndapota nditumire email [email inodzivirirwa]
Sezvineiwo, nePSA ye8.9 uye pasina cancer, ichi chingave chikonzero chekuti ndiwane inonzi 2nd maonero.
kwaziso
Dominic van Drunen
Makorokoto pamutongo.
Ini ndodawo rumwe ruzivo nezve kana iwe wakaroora kuThai. Uye maererano nemitengo yekuvhiya: ngatiti iwe hauna zviuru makumi maviri zvemaeuro, saka hapana chaungaite uye uri panyasha dzeTembere.
Neniwo makorokoto nekukunda kwenyu. Ndakanga ndine chichemo chakabatwa muNetherlands pamusoro penyaya yekubiridzira, zvakare kuburikidza neKiFiD (financial services complaints Institute), asi izvo zvakapera pasina nyaya yekubudirira kwandiri. Izvo ini, uye saka zvakare muverengi weBlog Frits pano, ndiri kuda kuziva nezvekutaura kwako kuti kuroora munhu weThai zvoga zvinokupa iwe kodzero yekutora Thai hutano inishuwarenzi. Unogona kuzvitsanangura zvakare here?
Wadiwa Haki,
Ndinoda kuita izvozvo, ona mhinduro dzangu dzekare kune izvi, Muchidimbu Mukadzi wako weThai anofanira kushandirwa nehurumende, ipapo unogona kutora inishuwarenzi yako nekambani yeinishuwarenzi yehutano yeThai ine mari yakaderera zvikuru, asi ... zvipatara zvehurumende.
Kwaziwai
Dominic van Drunen
Makorokoto nekuhwina kwako, Do! Chapeau nekutsungirira kwako uye mweya wekurwa, uye ndinokutendai nekutora nguva yekugovana izvi zvakanyanya nesu. Nyaya yako yakanyatsojeka!
Ndingawane kupi zvimwe nezveCIFO uye chidimbu chinorevei? Handizviwane painternet
CIFO inomirira Channel Islands Financial Ombudsman,
website; http://www.ci-fo.org,
email ;enquiries@ci-fo,org
kero Jersey, Channel Islands JE4 9OG
Rombo rakanaka,
Dominic van Drunen
Runako!
CIFO inomirirei uye inowanikwa kupi? Zvinogona kuuya zvakandinakirawo.
Ndakafara kuti zvese zvakafamba zvakanaka. Zvaida kushanda nesimba, asi pakupedzisira hondo yacho yakakundwa. Makorokoto. Zvakanaka zvakare kuti unorumbidza AA Inishuwarenzi naMatthieu Heijligenberg nechikwata chake nerubatsiro nerutsigiro rwavo. Mukupindura chikamu 1, vamwe vacho vakabuda zvakaipa pamberi. Zvino zvakazoitika kuti izvi zvaive zvisirizvo! Zvakadaro, ndinoda kuita 2 zvirevo maererano nemusoro wenyaya mune zvakazara:
1- Mukukurukurirana pamusoro peinishuwarenzi yehutano kune vagari venguva refu / kusingaperi muThailand, Netherlands inowanzowana kurohwa kubva pasi. Thailand ichabva yabviswa mhosva dzese. Ndinofunga kuti inzvimbo isiriyo. Netherlands yakanyatsojeka munzvimbo yayo: kana iwe uri kure neNetherlands kwemwedzi inopfuura 8, kutora chikamu muzvirongwa zveinishuwarenzi zvehutano zvakabatana zvinopera. Hunhu huri mukuunganidzwa. Kana iwe wabva kuNetherlands, hauchatora chikamu mune yakarongwa mubatanidzwa uye haugone kutarisira kuti mari yako yehutano inofanirwa kubhadharwa kubva kuNetherlands. Iwe unofanirwa kupa imwe nzira yeinishuwarenzi, kana zviwanikwa zvakakwana kuti ubhadhare mari yekurapa iwe pachako. Ini nomurume wangu tinotevera musimboti uyu wokupedzisira. Iyo Netherlands haigone kupomerwa mhosva yekuti Thailand haizive kutora chikamu mukuunganidzwa kweThai kwe 'farang'. Kunyangwe mamwe mapoka eThais dzimwe nguva anobviswa mukutora chikamu. Zvinoita sekuti vanoda kutanga vatariswa.
2- Haisi nguva dzose inofanirwa kuve neinishuwarenzi yehutano inodhura muThailand. Verenga mhinduro dzese kubva muchikamu 1 zvakare, uye ona kuti kakawanda sei iwe unosangana nevanhu vanga vachibhadhara kwemakore asi vasina kumbobvira vaita kudai painishuwarenzi yakadaro. Verengawo kuti vanhu vanowanzoshorwa sei. Kana iwe ukaisa mari dzese dzekutanga muakaundi yebhangi mwedzi wega wega, hazvigoneke kuti mari shoma ichachengetwa mukufamba kwenguva. Unogona kufunga nezvemaitiro aya nekutora nguva yekufunga nezvenhoroondo yako yezvekurapa, zvakaitika munhoroondo dzezvekurapa dzenhengo dzemhuri yako, uye nekuona kuti kurapwa kwepalliative kunowanzo kufarirwa paunenge uchikura. Izvi zvinoreva kuti kana pasina zvirwere zvenhaka, zvirwere uye / kana kuparara munhoroondo yehutano hwako uye yevabereki vako, vakoma nehanzvadzi, babamunini namainini, inishuwarenzi inodhura haifaniri.
Zvakanaka kuti AA yanga iri rutsigiro rwakakura, asi hapana chimwe chandaitarisira, nekuti ivo vanoitawo mari kubva kuvhoti dzavanotora,
Makorokoto nemigumisiro yakawanikwa!
Unogona here kupa webhusaiti yeCIFO kana email kero?
Handizive kuti izvi ndozviwanepi painternet.
Kambani yangu yekare yeinishuwarenzi haidi kubhadhara kuvhiyiwa kwekutevera.
Ndirikudawo kuisa chichemo izvozvi.
Please batsira.
Zano rangu: usaite bhizinesi nemainishuwarenzi ehutano akagadzwa kunze kweThailand.
Ini pachangu, ndakave nezviitiko zvakashata nePacific Cross.
Vane hutungamiriri hwavo husina kurongeka uye vanotaurirana pamusoro peizvi nenzira isina kunaka uye isina kunaka.
Mutengi zvirokwazvo haasi mambo pano uye iyo internet (kusanganisira Thai Visa) zvakare yakazara nenyaya dzinotyisa: kudzima unilateral nekuda kwezvikumbiro zvakakwirira, kupenga kwepakati pekutanga kunowedzera pasina chiziviso chekutanga uye marudzi ese ekusabatanidzwa mushure.
Mamwe makambani anokonzerawo matambudziko uye haakurudzire kuvimba kwakawanda.
Mazita eCigna neAXA Assudia akatotaurwa nezvake muforamu iyi.
Mazuva ano hauchafanirwa kuroorwa nemunhu wekuThai kuti utore inishuwarenzi yeThai.
Ini (ndisina kuroora) ndakapihwa inishuwarenzi neThai Life Insurance Medicare kubvira gore rapfuura.
Imwe yemakuru muThailand.
Inishuwarenzi yehutano, yakasanganiswa neinishuwarenzi yehupenyu.
Mabhenefiti makuru kwandiri: haugone kungokandwa kunze uye mapremium anogadziriswa.
Kuvharirwa kunofananidzwa mune zvese kune mamwe mainishuwarenzi.
Unotopihwa 'kurasikirwa nemari' pazuva rega rega raunenge uri muchipatara.
Inogona kusvika zviuru zvishoma Baht pazuva.
Mari yangu insured parizvino iBht1.000.000. (inogona kuva yakakwirira uye inogonawo kugadziriswa panguva ino).
Ndakanga ndiri 66 pandakatora inishuwarenzi, hapana kuongororwa.
Kusvika makumi manomwe, ndakafunga kuti, vaizoramba vachigamuchirwa.
Mari yangu yekutanga: Bht57.000 kwemakore mashanu ekutanga. Makore mashanu akatevera; Bht86.000.
Ipapo 129.000 Baht kwemakore mana uyezve (ndine makore makumi masere) 6 Bht kwemakore matanhatu.
Zvese zvakapera.
Outpatient: hapana kubhadharwa, kunze kwechiitiko che (traffic) tsaona.
Chero zvandinoreva: mubhadharo wakagadziriswa uye kana pakaitika rufu mari yakawanda (yakawedzera zvichienderana nenguva yeinishuwarenzi) inobhadharwa.
Kuitira kuti hama dzasara dzisaradzirwe nemari dzisina kubhadharwa.
Zvakare kusimbisa.
Wadiwa Paul, ndangotarisa panzvimbo. Unogona here kundiudza kuti zita repolicy nderipi uye/kana chirongwa chaunacho. Ndiri kutsvaga chimwe chinhu chemudzimai wangu. Ane makore 67 okuberekwa. Pandinotarisa pasi pezera rake ini ndinongowana inishuwarenzi yenjodzi. Mukuona kwangu, kubhadhara kunongoitwa pakaitika tsaona, kwete pakurwara. Ini ndinofunga iyo 'juice mascot 90/15' inosiyana. Saka ndirikuda kuziva kuti une plan ipi? Thanks in advance kune ruzivo!
Ichokwadi kuti saiti yavo haipe ruzivo rwakawanda nezveinishuwarenzi yehutano.
Sekuziva kwangu ivo havashande nemazita akasiyana emapakeji avo, hapana simbi dzinokosha kana matombo anokosha.
Asi ivo vane yakanakisa inishuwarenzi yehutano inovhara zvese uye yaunogona kuenda nayo kuzvipatara zvese zveThai, kusanganisira zvakazvimiririra zvakaita seBangkok Hospital.
Uye haufanirwe kuroorwa nemunhu weThai, iko kuchiri kusanzwisisana.
Kuvharirwa kwangu kwataurwa pamusoro uye maprimiyamu akamisikidzwa anopa chiratidzo chakanaka chemikana.
Kana iwe uchida zvimwe, zvinodhura zvakanyanya.
Thai Life Insurance Medicare ine mahofisi kwese uko anogona kukutsanangurira zvese.
Ndakaronga zvese (nekukurumidza) kuburikidza nemurevereri akanaka kwazvo anotaura Chirungu muBan Chang.
Ndatenda neruzivo rwako, Paul! Ndakavabata kuburikidza nesaiti yavo uye ndakamirira kuona kuti zvichazovei. Nenzira, kazhinji inotaridzika zvakanaka pane yavo saiti. Inopa chivimbo.
Chero chichemo chinofanira kutanga chatumirwa kwatiri pa:
Cigna Global Health Options Mutengi Care Team
1 Ziva Mugwagwa
Greenock
Scotland PA15 4RJ
27.2
Kana chichemo chikasagadziriswa, chichemo chinogona kuendeswa kuFinancial Ombudsman Service pa:
Iyo Channel Islands Financial Ombudsman (CIFO)
PO Box 114
Jersey Channel Islands
JE4 9QG
Runhare: +44 (0)1534 748610 Fax: +44 (0)1534 747629 Email: [email inodzivirirwa]
Ita, chekutanga, makorokoto nekukunda kwako, chandisinganzwisisi kutaura kwako kunotevera: "muchato, izvi zvinokutendera kutora inishuwarenzi yeThai iyo yakachipa zvakanyanya". Isu tese tiri farang (Dutch), asi tave neThai yehutano inishuwarenzi kwemakore mashoma ikozvino.
Hi Kuda,
Ndiri pamusoro pe70 uye mune yangu ruzivo kutora inishuwarenzi yehutano hazvigoneke,
zvakare imwe yeThai
Chekutanga, makorokoto pamugumisiro wawanikwa. Zvisinei, chiverengero chezviro handina kujeka kwandiri. Ndakaroorawo mukadzi wechiThai agara achishandira hurumende. Ndiri kurovha painishuwarenzi yehutano muThailand. Takatsvaga mapasi kuzvipatara zvehurumende zvakasiyana kwandinogona kuenda. Sezvineiwo, ruzivo rwangu rwakaramba rwakangogumira pakuongororwa uye kumwe kurapwa kudiki. Handifanire kubhadhara mishonga. Chete mari shoma kune chiremba wekuraira kwe500 Bath. Izvo zvisiri kujeka kwandiri ndezvekuti yakaparadzana inishuwarenzi yehutano inofanirawo kutorwa kunze, senge Do ane neCigna. Ndinogona kufungidzira kana iwe uchida kurapwa muchipatara chakazvimiririra uchafanirwa kutora imwe inishuwarenzi yeizvi, asi kwete yechipatara chehurumende.
Hi Jan,
Haufanire kutora inishuwarenzi yakaparadzana kunze kwekunge iwe uchida kugara muchipatara chakazvimiririra, sezvo izvi zvisingafukidzwe nemutemo weThai.
Kubudirira
Dominic van Drunen
Ini ndaizotora imwe inishuwarenzi yeizvi, nechero kambani yeThai.
Vanhu vazhinji vanofarira kwazvo zvipatara zveThai state, asi ruzivo rwangu nekutarisa mushure memakore mazhinji zvakapesana.
Nguva dzakarebesa dzekumirira, dzimba dzekumirira dzakatsvikinyidzana, vanachiremba vasingauye, hutsanana husina kutsarukana, dzimba dzekurara dzine ruzha, nyangwe dzimba dzepachivande dzinonetsa, vashandi vasina kudzidziswa zvakanaka, midziyo yechinyakare, chikafu chakaipa, hapana kwandiri.
Maitiro ekurapa akaomarara kazhinji haagone kuitwa uye iwe unozoendeswa kuchipatara chega (uye iwe uchabhadhara zvese iwe pachako ...).
Dear Do,
Makorokoto pakupora kwako uye mhedzisiro inowanikwa kuCigna!
Kwazisai,
Louis
Inyaya huru. Saka pane kururamisira shure kwezvose. Asi unotofanirwa kuve gweta kuti uwane kuenzana uye kururamisira. Bravo nekutsungirira kwako. Vazhinji vedu takanga tisina kuita izvi.
Kwaziso huru
Stephan