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Home » Mubvunzo wemuverengi » Mubvunzo wemuverengi: Inishuwarenzi yehutano yakabatana inogona kumisikidzwa kune veBelgians nevanhu vechiDutch muThailand?
Vadiwa vaverengi,
Ini ndinoshamisika kana zvingaite kumisa mutual health insurance yeBelgians neDutch muno muThailand?
Handizivi kuti vangani vanhu vanobatanidzwa, asi izvo zvinogona kuwanikwa. Pandakaverenga kuti maprimiyamu e300/350 euros pamwedzi ari kubvunzwa, ndinofunga kuti zvinofanirwa kuita chimwe chinhu, muchidimbu tichifunga nezvekuti mitengo muThailand yakadzikira pane muNetherlands neBelgium.
Ndine chokwadi chekuti kune vanhu vane ruzivo rwakakwana rwekuita bhodhi uye kuita zvibvumirano nezvipatara zvakanaka.
Ndinovimba munhu wese achabatana mukufunga nezvepfungwa idzi.
Ndakaperera,
Henk
Pfungwa yekunzwira tsitsi yakambotaurwa, asi isingagoneki zvachose. Izvi zvine chekuita nehuwandu hwenjodzi yeanoiswa inishuwarenzi: avhareji yezera iro rakanyanya kukwira. Panewo zvirambidzo zvinoshanda. Zvakadai sekutarisira mapremium. Iwe unofanirwa kugadzira inshuwarisi nebhodhi, vashandi uye chivakwa. Maprimiyamu aibva akwira mudenga, pamwe nekuda kwepamusoro-soro uye kumiririrwa kwevakura vane mapolicy.
Chokwadi, inishuwarenzi inyaya yenhamba, mavhareji uye (akawedzera) njodzi. Boka ratiri kutaura pamusoro paro pano (zvakawanda kwazvo) diki, avhareji yezera iri (yakanyanya kukwirira). Uye nei vakawanda kwazvo vasingakwanisi kuwana inishuwarenzi yakanaka inokwanisika? Nekuti ivo venguva dzose mainishuwarenzi havadi ivo nemamiriro avo aripo ………
Muenzaniso wakareruka wekuverenga: tomboti tine vanhu zana vane inishuwarenzi, avo vanobhadhara 1000 euros (2400 euros pamwedzi). Saka mari yekutanga i200 euros pagore. Kubva kumusoro, taura makumi maviri muzana (kana zvichibvira kune inshurensi diki yakadaro), rendi yezvivakwa, vashandi, bhodhi, magweta, kudhinda, nezvimwewo, saka 480.000 euros. Izvi zvinosiya 20 euros kubhadhara mari yekurapa yenhengo dze96.000 mugore ripi neripi. Nhengo nhamba 384.000 inowira mukukoma nekuda kwetsaona uye inofa mushure memwedzi miviri yekufema mukamuri yevanorwara zvakanyanya …… bill 1000 euros, 384 inosara kwevamwe………
Kunyangwe tikapeta premium kusvika ku400 euros pamwedzi, panenge pasisina solvency. Tisingarevi nhaurirano dzinotyisa dzehutungamiri dzakadai sekuti: tichapa murume iyeye ane zvichemo zvemabvi matsva kana kutanga kumurega ararame nemarwadzo ekurwadziwa kwemamwe makore mashanu (sezvazviri ikozvino muNetherlands)?
Muchidimbu, zano rinonakidza zvechokwadi, asi risingagoneki zvachose.
Anodiwa Khao Noi,
Zvinogoneka kana zvisingaite ndichazvisiya pakati, asi kana zvikasvika kune izvozvo saka chinzvimbo semubati wehomwe haisi sarudzo kwauri. Nekuti 1000 vanhu vane inishuwarenzi pa2400 Euros pagore vanoburitsa nyore 2,400,000 Euros pagore. Zvinofanira kunge zvichikwanisika kubhadhara mutengo wendima 384 yeiyi.
Mitengo muThailand haina kuderera, nekuti munhu wese anoenda kuchipatara chakazvimirira kana aine chimwe chinhu.
Izvo zvinodhura zvakanyanya pane kuenda kuna chiremba kuNetherlands.
Ndosaka marongero ekunze emainishuwarenzi ehutano muNetherlands achidhura zvakanyanya.
Iniwo ndinofunga kuti mutual health insurance inenge isingaite, asi kana ukakwanisa kuwana boka guru pamwechete, panogona kunge paine mukana wekuwana zvidzikiso kubva kumakambani einishuwarenzi aripo. Kunyanya kana iwewo uchivhura boka kune ese mazera. Pamwe ipfungwa.
Makambani einishuwarenzi anongofarira vanhu vane inishuwarenzi vari pasi pemakore makumi mana kana zvasvika pamitengo yehutano. Vanotarisa paavhareji yezera reboka, kana iri pamusoro pe40 wobva wakanganwa.
Zvese ku kltn within 1 year or zvaunoda why? Zvakanaka, zviri nyore, ndivo vanoshaya vachiri kuda kuzvipa inishuwarenzi kubva muhurombo.
Nekuda kweizvozvo, vakomana ava vanongoerekana vaenda kuchipatara nekuda kwehurwere hwavagara vaine makore.
Nehurombo Thailand haisi iyo Netherlands / Belgium iyo munhu wese anobatsira mune emergency !!
khao noi anoti: premium mari 480.000 euros pagore.
asi semaonero angu i1000x 2400 euros i2.400.000 euros.
ipapo kuverenga kuchave kwakasiyana zvishoma.
Kururamisa kwakakwana. Chikanganiso chekuverenga chine mhinduro yakasiyana. Zvinosuruvarisa, mhedziso haina kuchinja. Mushure mendima 384, 1.500.000 ichasara kuti ivhare mitengo yehutano ye999 vamwe (vakura chete) vanhu vane inishuwarenzi gore iroro. Zvichiri zvishoma…………
Iro zano rakanaka, asi sezvakataurwa nevamwe, hazvigoneke.
Asi inishuwarenzi iripo ingapa mutero pamutengo wakaderera kana, semuenzaniso, nhengo dzeDutch, Belgian nemamwe masangano akafanana akabatana neinishuwarenzi iyoyo. Nokuti ini ndinofungidzira kuti kwete chete vaDutch neBelgian pensioners vanotarisana nedambudziko repamusoro pemari yeinishuwarenzi yehutano.
Kana zviuru zvishoma zvevanhu vakanyoresa nekambani yeinishuwarenzi yakadaro kuburikidza nesangano kana faundesheni, ungafunga kuti imwe mhando yekuderedzwa inogona kushanda kwavari.
Kana kuti ndiri kudzingirira mufananidzo wehope here?
Netherlands ine zvibvumirano nedzimwe nyika.
Sei chibvumirano chingapedzwa neCap Verde uye kwete neThailand? Chete nekuti hapana anotora danho, achiri muNetherlands, achiri muThailand uye haazive nzira muThe Hague, nezvimwe.
Kana chibvumirano chichingova nezvipatara zvehurumende, uyu mugodhi wegoridhe wehurumende yeDutch. MuNetherlands, zvibvumirano "zvangu" zvinogadzirwawo nezvipatara, saka zvinogonekawo pano muThailand.
Zvichida zvinokwanisika kuunza pamwe chete boka revanhu vanoziva nezvezvematongerwo enyika muThe Hague.
Kwaziwai Nico
Tumira chikumbiro chako kumumiriri, pamwe vanogona kutiitira chimwe chinhu.
Aya mainishuwarenzi ehutano akabatana akatanga makore anopfuura zana apfuura, apo mari dzese dzaive dzichiri kudzoreka. Iye zvino vanhu vashoma ndivo vanokwanisa kudurura hari yose munguva pfupi.
Chii chinogona kuitika, uye chii chazvino "mutual" inishuwarenzi muNL kuita: KUSVIRA njodzi yenhengo dzakabatana: nevanhu 1000 une chibhakera chakasimba kupfuura munhu mumwe chete.
Ini ndinotogona kufungidzira kuti imwe deductible inotakurwa nenhengo pachadzo, nhanho inotevera ne "The Mutuals" uye zvese zviri pamusoro ??? inoenda kune reinsurer.
Uye kunyange .. ne 10,000 expats muPattaya (kubva kuAustralia kuenda kuSwitzerland) ndinogona kufungidzira kuti pa zhs muPattaya mitengo inotaurirana kupfuura kana iwe uchiuya kuzorapwa iwe pachako.
Izvo zvasara, ona Piet: munhu wese anomhanyira kuMutual Inishuwarenzi iyoyo kuti arapwe zvirwere zvese zvemakore makumi maviri apfuura, nekuti hapana chazvinobhadhara.
Ndinoshamisika kana zvisingakwanisi kupikisa, kana zvakanaka (kana kusarura kune vamwe vanoda kugara kune imwe nyika isiri yeEurope) kuti mune dzimwe nyika 2 KUNZE kweEU (Morocco neTurkey) maMoroccans neTurks vane kodzero yeBELGIAN social security kana vakadzokera kunogara munyika yavo yekubva.
“Belgium inobhadhara mari dzekurapwa kwevanhu vekuMoroccan neveTurkey vakadzoka
https://www.thailandblog.nl/lezersvraag/onderlinge-ziektekostenverzekering-worden-opgericht-belgen-nederlanders-thailand/ "
Heino nyika iyo Netherlands yakagumisa nayo chibvumirano pamusoro pemari yehutano;
Nyika dzeChibvumirano kunze kweEU/EEA
Bhoziniya neHezegovhina
Kepu Vhedhi
Masedhoniya
Morocco
Mondenegiro
Serbia
Tunisia
Teki
Pano unogona kuona kuti Cape Verde (Cap Verde) yabudirira
Kunyangwe tichifunga kuti zvakanaka kana kwete, Hurumende yeDutch haina hanya nazvo, ingoyeuka zvakaitwa neHurumende yeDutch maererano nevega insured vakasiya basa reDutch vaigara kunze kwenyika apo mutemo wehutano wehutano wakatangwa. Nyaya dzakaunzwa nemasangano akasiyana-siyana evaDutch vepenjeni (munyika dzeEurope) vachipikisa hurumende yeDutch, kusvika kuEuropean Court, zvose zvakakundwa nehurumende yeDutch, nemagweta akachenjera, manipulation uye demagoguery.
Kanganwa, hurumende yeDutch haifarire zvachose boka revanhu vakura avo, mumeso avo, vanorarama hupenyu hunonakidza muThailand. Hurumende inotoda kurasikirwa navo pane kupfuma.
Uye zvisinei ne "chikanganiso chekuverenga" chambotaurwa mumuenzaniso wenhamba, hapana nzvimbo zvachose yeinishuwarenzi yehutano "yega".
Pfungwa ye "reinsure" iyo "yepamusoro" yengozi inoratidzikawo kwandiri kuti inosangana nedambudziko rimwe chete, vakwegura (mupfungwa yehutano-husina simba uye saka boka rinodhura), hukuru hukuru hweboka uye nhamo ye "kutengesa kunze" zvakawanda zvisingabatanidzwi.
Izvo hazvina kunyatsonaka. Kutongwa kwekupedzisira kwakakundwa, asi mutongo wacho hauna kufuratirwa nehurumende, kuburikidza nemutongi, uyo, kunyangwe achipokana nenyika, akataura nezvekutonga naivety.
Collective inishuwarenzi inogoneka, asi izvo zvinoda kumwe kubatana, izvo zvandisati ndanyatsowana pakati pevaimbova pats kusvika zvino. Iyo yakawanda nhoroondo yezvokurapa, iyo yakakwirira yepamusoro. Iwe haugoni kutiza izvozvo.
Imwe mukana ndeyekutaura kuhurumende yeThai uye kuona kana inishuwarenzi yeboka inogona kuwanikwa kuburikidza nezvipatara zvehurumende, apo expat ichabhadhara mari yepamusoro kupfuura yeThai.
Kana zvasvika kune izvozvo, ipapo ndinomira mukubatana uye ndinotora chikamu.
Ndakatoonana nekambani yeinishuwarenzi yehutano yeDutch nezve izvi munguva yakapfuura uye ndakaronga kupedzisa chibvumirano nezvipatara uye nekudaro kuchengetedza iyo premium inokwanisika.
Asi njodzi dzakakurisa pane izvozvo uye huwandu hwevanhu vane inishuwarenzi idiki uye vanhu vazhinji vakatove neinishuwarenzi.
vachembera uye nekuda kweizvozvo vanowanzova nezvirwere zvakawandisa.Chinhu chakanakisa ndechekugadzira bato pamwe chete uyezve kugadzirisa mutemo kuburikidza nezvematongerwo enyika.Uye kuita kuti zvibvire kuti vanhu vangoramba vari inishuwarenzi muNetherlands pamitengo yeDutch inoshanda. Uye ivo vanogona kubva vaona kana zvibvumirano zvingaitwa neakakodzera Hospitals kunze kwenyika. Asi zvinosuruvarisa kuti hapana kuwirirana pakati pevanhu pamusoro peizvi.Pandakadzima kunyoresa uye ndikatora inishuwarenzi yehutano yekunze, vazhinji vakafunga kuti ndinopenga. Kunyanya kudhura uye maererano nevakawanda zvaive nani kudzivirira dambudziko iri uye kwete kukunyorera iwe kunze kwev. Ndichiri kufara kuti ndakatora sarudzo iyi, zvisinei nekuti muripo wakakwira zvakanyanya.Saka tichangobhadhara kuseka.
INGOTARIRA kuti kunyangwe muNetherlands vashoma vatove nematambudziko ekubhadhara mari yekutanga uye vakatoita hurongwa hwekuyedza kubvisa izvo. Uyezve unenge uine vanhu vasingadi kubhadhara.Inyaya zvakare yekuti masangano mazhinji akabatsirikana zvakanyanya kubva mukurembedza kwehurumende kwemakore akawanda uye akazivisa mari yakanaka nepo marapiro asina kumboitwa.
Asi zvinosuruvarisa kuti hope idzi hadzina kuzomboitika nekuti hatingambo svika padanho rinodiwa pazviri nekuti hapana kuwirirana pazviri.Kunyunyuta nekugunun'una pamusoro pezvese asi tisingade kuita chinhu.
Vadikani mose.
Ndinoziva vanhu vakwegura vane utano hwakanaka kudarika vanhu vakwegura vanorwara.Uye kunewo vechidiki vanogara kuThailand vanodawo kubhadhara mari shoma yeinishuwarenzi yehutano. tsaona dziriko tsaona.Insurance yeinsurance yakadai yakachipa kutora.Ndanga ndichitarisira kuti ndiwane mamwe maresults ekugadzira.Baba vangu vakandidzidzisa kuti never shooting is always wrong.Zvinonyadzisa kuti hakuna vanhu vanoti okay isu' tichazoferefeta nekuziva.kuunganidza masherufu, asi ndatenda nemhinduro, mazvita, Henk.
Henk, zvakare vavariro dzako dzakanaka, asi pane kushomeka kweruzivo pano. Nditendei, hazvifi zvakashanda. Uri kuita fungidziro dzisiridzo. Inishuwarenzi yeaccident inopa mubhadharo kamwe chete kana paine hurema zvachose kana kufa, asi izvo zvinogona kutora nguva yakareba. Zvichakadaro, chipatara chinobvunza kana uchida kubhadhara.
Zviri nani kutora inishuwarenzi yehutano yakanaka http://www.verzekereninthailand.nl vachakutsvagira kuti ndeipi sarudzo yakanakira iwe.
Wadiwa Peter,
Ichokwadi kuti handina ruzivo mukati meimba kana totaura nezveinishuwarenzi.Ndave ndiine kambani yekondirakiti muNetherlands kwemakore makumi matatu, dzimwe nguva ine vashandi vanopfuura 30, ndinoziva kuti mavambo chii, uye kutarira mberi hazvishamisi kwandiri.
nemukadzi nevana.Vechidiki zvakare vanowanzoita matambudziko (mudzidzisi wechirungu 30000 6 baht pamwedzi) Ndine chokwadi chekuti mapremium anogona kudzikiswa kana takabatana.Mutual health insurer Menzis ane mari inodarika 60000 bhiriyoni mumari kunyangwe XNUMX XNUMX vanotadza uye mihoro yakakora kwazvo yekumusoro nemabhonasi mahombe ekudya.Ini ndine chokwadi pakati pedu pane vanhu vane hunyanzvi vanogona kuita basa iri.
Makanaka Hank
Vadikani vanhu tave kuchembera, chii chiri kuchembera, uye kugara uko vanhu vari kunyunyuta nemari yehutano, tarisai, ndave nemakore ndichigara pano, handisi kuenda kwachiremba zvakanyanya uye zvinoreva kuti zvidzivirire nekuchengeta muviri wako zvakanaka, zvidzivirire, kurara nenguva, usanwa zvakanyanya, idya zvakanaka, sei uchizotora inishuwarenzi kana nguva yako yasvika, ndave nemwedzi mishoma ndichirwara, ini ndanga ndiine mwedzi mishoma ndichirwara mapiritsi uye zvichingodaro, ini ndave nemakore makumi manomwe nemaviri, ndinonwa madoro maviri kusvika matatu pazuva, ndoenda kumba, ndinodya chimwe chinhu uye na72 p.m. makore zana ndiani anoziva.
Muchidimbu, usanyunyute uye unakirwe, kunyangwe paine kurwadziwa, chero mwoyo wako wakasimba.
Mangwanani 4 sandwiches ane toppings kubva nyama kuenda hove, uye dzimwe nguva manyuchi, masikati ndinogadzira zvokudya zvinopisa, izvo zvandinoitawo ini, mbatatisi, nenyama yakakanyiwa, unogona kutenga leek miriwo paMakro, manheru anodziya spahetty. nemukaka, ndiko Mapiritsi andinotora ndeaya anotevera: 1 anapril 5 mg 1 piritsi asperin 75 mg, zuva nezuva mangwanani, dzimwe nguva ndinotora parrasetalmol, uye ndizvo zvazviri, gore negore ndine cholesterol yangu yakaedzwa, mutengo 750 bath, zvizviyedzeiwo sugar yakanakawo saka nakidzwai tarisai hatichafambi semunhu ane 20 yrs hupenyu huri mumaoko enyu ndizvozvo ndinozviti ndirikuona zvichaitika ndogara ndichiti The Ishe achava mufudzi wangu.Ameni
Ye +/- € 3.000, une inshuwarisi yakanakisa naMatthieu muHua Hin kuburikidza neAxa kuchipatara. Bhadhara zvakasara iwe wobva waita zvakanaka. Mune zvimwe zviitiko zviri nani kupfuura muNetherlands kana iwe ukawedzera mipiro yese.
Shamwari yangu yepamoyo ndiye maneja mukuru wechipatara chakazvimiririra muBangkok. Ndakamuratidza mamiriro ezvinhu neinishuwarenzi yehutano yevanobva kunze. Ndakamukurudzirawo kuti zvingaita here kuti vari kunze kwenyika varapwe pasina muripo kana nemitengo yakadzikiswa zvikuru semubhadharo wekutenga mashares muchipatara ichi; sesevhisi kumuridzi wemugove. Kunyanya nekuti kudzoka pamigove yechipatara ichi inodarika 100% pagore.
Ane dhipatimendi rake rekushambadzira (hongu, vane imwe pano muchipatara chakazvimiririra) tarisa pazviri.
Iyo ipfungwa yakanaka pachayo, chero iyo yese inogona kudzoserwa zvakachipa kumwe kunhu nekambani hombe.
Ndine makore 68 uye handidi kuchinja kune chimwe chinhu chitsva chakadai. Ngatitii zvinhu hazvina kumira zvakanaka kune imwe nzvimbo mune ramangwana, saka ini handikwanise kuzvisimbisa ini chero kupi kana ndasvitsa makore makumi manomwe. Ini hapana chandaizotora njodzi iyoyo.
Wadiwa Ruud,
Iwe wakarurama kana iwe ikozvino wakanyatsochengeterwa inishuwarenzi, zvirokwazvo usachinja.
Chii chaizvo chakashata nezvipatara zvehurumende?
Iko hakuna yakawanda inowanikwa kune varombo veThai, asi kana iwe uchikwanisa kuwedzera imwe mari iwe pachako zvinogona kunge zvisina kushata.
Ikoko vanewo makamuri ega ega (mubhadharo).
Bhiri racho ringangove rakadzikira pane riri muzvipatara zvakazvimirira.
Pattaya City Expats Club ine pamwe chete inishuwarenzi yenhengo dzayo. Wese expat anogona kuve nhengo uye kushandisa iyi inishuwarenzi. Vese inhengo dzechikuru, vamwe vachembera. Ingo tarisa kune yavo webhusaiti.