(aquatarkus / Shutterstock.com)
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.
Mushure mekunge ndave neinishuwarenzi yehutano kusvika muna Kubvumbi kwemakore 8, ndakachinjira kuCigna, inishuwarenzi imwe chete pamutengo wakaderera, pazano uye nerubatsiro rweAA Inishuwarenzi. Zvakanyatsopedzwa gwaro remibvunzo, rakataurwa marapirwo ekare, rakagamuchira mutemo, hapana mimwe mibvunzo uye hapana zvinosiyiwa.
Gunyana 2019, mushure memwedzi misere yekupihwa inishuwarenzi neCigna, ndakatambira zvichemo nezve maitiro angu ekuweti uye ndakafunga kushanyira chiremba weurologist kuBangkok Hospital muBangkok. Pakutanga hapana chakakosha chaiita sechiri kuitika, asi pakanga paine nyevero yakasimba nekuti mushure mekumwe bvunzo uye nekuongororwa kwepamusoro zvakazoitika kuti kukosha kwangu kwePSA kwakakwira kusvika kune inoshungurudza 8, nepo pakati pe9.1 ne4.0 yakajairika kumurume wangu. age. Saka dzoka vhiki gare gare kuti uwane MRI scan, kuongororwa kwemukati uye mamwe maedzo. Zvese muzuva rimwe. Nekuronga kwakasimba zvese zvakashanda nenguva, kunyangwe yaive kumirira kwenguva refu, asi izvo zvakaverengerwa mupakeji yekutsvagisa.
Pakupera kwezuva refu, ndakagamuchira mhedzisiro, ndikaenda kuna chiremba weurologist uye ini ndaigona kutoona kubva kumeso kwake kwakasuruvara kuti chimwe chinhu chakanga chisina kumira zvakanaka uye zvechokwadi hapana kurova kwakatenderedza mugwenzi asi kuongororwa: gomarara reprostate repamusoro rine metastases. Kupindira kwenguva pfupi kwaive kwakakosha kudzivirira matambudziko. Chiremba weurologist akakurukura nzira dzakasiyana siyana,
- Hapana chandaigona kuita ndichitarisira kuti hapana kumwe kuwedzera kwaizoitika;
- kuita chemotherapy;
- a classic operation kuburikidza nemadziro emimba;
- kana nzira yekuvhiya inodzorwa nekombuta, iyo inonzi nzira yeDaVInci.
Zvechokwadi, sarudzo imwe neimwe yakanga ine zvayakanakira nezvayakaipira. Ndakanga ndatotarisa nyaya iyi pachine nguva kuburikidza newebhusaiti uye dzimwe shamwari dzechiremba uye ndaiziva kuti nzira yekuvhiya uchishandisa iyo inonzi nzira yeDaVinci yaiwanzobudirira uye ndizvo zvandaifarira.
Kumirira kana chemotherapy yakanga isiri sarudzo yemamiriro angu ezvinhu. Kuvhiya kwechinyakare kwaisava sarudzo kwandiri kana ndichifunga nezvenjodzi dzaivepo. Pakupedzisira ndakasarudza nzira yeDaVinci, inoshandisa iyo inonzi teknolojia yerobhoti.Hapana kuchekwa kunogadzirwa mudumbu, asi chubhu nekamera zvinopinda mudumbu redumbu. Nekudaro, iyi tekinoroji nyowani muThailand yanga isingawanikwe muchipatara cheBangkok, asi yaiwanikwa muchipatara chine mukurumbira cheSiriraj, maive nemushakabvu King Bhumibol.
Kuchipatara cheSiriraj ndakakwanisa kubata Prof. Srinualnad, chiremba weurologist ane ruzivo uye nyanzvi paDaVinci, maitiro akarongerwa kutanga kwaMbudzi. Zvese zvaiita sezvakanaka, ndaifanira kuzivisa Cigna kambani yangu yeinishuwarenzi. Ipapo kwakauya kuvhunduka kubva kuCigna, chikumbiro chekuvhiyiwa kudzoserwa kwe21.000 euros chakarambwa nekuti zviyero zvangu zvePSA munguva yakapfuura izvo zvandakanga ndatumira zve4.2 zvaive zvakanyanyisa.
Zvino iwe unofanirwa kuziva kuti ndakachinjira kuCigna gore rapfuura, asi mugwaro remibvunzo pakanga pasina mubvunzo nezve PSA tsika kana chero chinhu chakadaro, saka ndakafunga kuti hapana chakashata. Dziviriro yaCigna yaive yekuti chiyero chavanoshandisa ndechekusanganisira ese maPSA e4.0 uye epamusoro pasi pekusabatanidzwa. Asi hauna kumbobvunza kuti kuzvidzivirira kwangu ndekwei, saka sei kusaiswa izvozvi. Mhinduro yaive, iyi ndiyo chiyero chepasi rose uye tinoitevedzera, uye wakanyima ruzivo rwakakosha paunenge uchinyoresa. Kunyange tsamba kuna CEO weCigna haina kukwanisa kuchinja maonero avo.
Mutsamba pfupi yandakagamuchira kubva kuCigna, ndakaudzwa kuti ndakanga ndadzingwa semutengi nokuti ndakanga ndakavanza mashoko anokosha. Mari yepremium yakabhadharwa yakadzoserwa uye ndiko kwaive kupera kwenyaya.
Part 2 mangwana.
Yakatumirwa naDo
Mubvunzo wekutanga unouya mumusoro mushure menyaya iyi ndewekuti nderipi basa rekutsigira rakaitwa neAAinsurance pamhinduro isina kunaka iyi kubva kuCigna, vakakumiririra here kana kuti vakakuitira chimwe chinhu?
Nyaya inosuruvarisa, tariro yemhedzisiro yakanaka kwauri, ndanga ndichifunga kwemakore kana AA mainishuwarenzi ari kuziva maitiro aya, Zvingandipa manzwiro anotyisa kupa mumwe munhu zano, izvo zvinozoguma nekuodzwa mwoyo kukuru.
Usafunge kuti iwe ndiwe wega unogona kusangana neizvi, chero zvakadaro ndipe mhedziso: inishuwarenzi kana pasina inishuwarenzi, maitiro aya haasi kukuitira zvakanaka.
Zvakanakisisa,
Ndokumbira ubate Donaat Vernieuwe kubva kuFlemish Club Pattaya.
Isu tiri kushanda painishuwarenzi yeboka nePacific Cross (zuva rekuvhara 15/9)
[email inodzivirirwa]
Kubudirira
Vanopa XNUMX% vimbiso yekuti zvese zvakarongeka paPacific Cross?
Kazhinji, haugone kuita inshuwarisi yeimba inopisa.
Kwete, ona mamiriro acho
Hapana kurapwa kweprostate uye maziso mushure memakore makumi manomwe.
Hapafanire kuve nedambudziko rekutaura pane akati wandei mushure mekunyoresa mukati menguva yakatarwa, izvo zvichange zvichiri kuverengerwa mugwaro.Pane matambudziko here? Kusabatanidzwa!
Chimwe chikamu kunyange 3 makore!
Takagamuchira email nhasi kuburikidza nenvtpattaya, iyo yakaratidza mamiriro! Inishuwarenzi yehutano inonzi yakachipa yevanobva kunze, kupi? Hongu AA Pattaya!
Hapana Pacific Cross kwandiri!
Chokwadi ndakapedza chikumbiro changu nePacific Cross uye ndakarambwa! Ndaive nemakore makumi matanhatu nemasere uye ndiri mutano uye vaisakwanisa kundibhadharira inishuwarenzi ipapo, baba vangu (68) vakafa nesitiroko, sisi vangu vaive negomarara rezamu uye imwe sisi vaive negomarara remapapu, vese vachiri vadiki. Handisati ndamboona mukati mechipatara, kunze kwokuti ndashanda ikoko kwemakore 74. Nekuda kwezera, majoini angu, nhengo dzechikadzi, mapfupa, maziso, nezvimwe.
Asi zvese zvinogona kuve inshuwarisi nekubhadhara denga-yakakwirira premium. Iye zvino iva neimwe yandave nayo kwemakore mashanu uye nerombo rakanaka handina kumbobvira ndashandisa!
ndeipi imwe yaunayo, ungandizivisawo here?
Ikozvino ndine Healthy Wealthy, Thai inishuwarenzi uye zvakare yakatenderwa vhiza yangu.
Gore rakapera ndakaedzawo kuenda kuPacific Cross. Ndine stents mumoyo mangu saka ndinoziva kuti izvi hazvisi mubvunzo. Akapinda munyama akazara vana chiremba vakashaya zvekutaura.
Ipapo kwakauya mhinduro kubva kuPacific Cross, vanoda kundigamuchira, asi musana wangu nezvose zvakaipoteredza hazvibatanidzwi (ndakanga ndataura kuti dzimwe nguva ndainzwa kurwadziwa kuzasi) Mwoyo wangu wakanga usina kubatanidzwa, asiwo wangu itsvo nezvimwe zvinhu zvakawanda.zvinhu zvinoenderana nezera rangu (65 panguva iyoyo) uye zvikanganiso zvinogona kuitika mumhuri. Uyezve, vakanga vaunza nguva yekumirira yemwedzi mitatu kusvika pagore kune dzakawanda nyaya.
Zvakauya pakuti vakandibvuma kuti ndibhadhare mari yacho asi vaisambofarira kundiitira inishuwarenzi chero chinhu.
Saka Pacific Cross uye pamwe akawanda einishuwarenzi eThai akadzimwa.
Mangwanani, mava nedambudziko rimwe chete nepassific Cris. Kana vachifanira kubhadhara, handiti?
Ingobhadhara mari yekutanga asi usatarisire mari yekubvisa.
TIT. rombo rakanaka.
Mamiriro asingafadzi zvakanyanya kwauri. Ndinokunzwirai tsitsi.
Dzimwe sarudzo kana iwe usina anopfuura 20K akarara akatenderedza.
- inishuwarenzi yemari yemutemo yaunogona kutora pano;
- bata gweta riri kuUS rinoda kutora muripo wako pasina-kuhwina. Nekuwedzera kwekukuvadza kwetsika iwe unogona kutyora;
- kutamira kune imwe nyika yeEU uko kurapwa kwaunoda kunogona kuitika uye kudzoserwa neinishuwarenzi yehutano yaunogona kutora kunze uko.
Pahofisi yeAA insurances muPattaya handina kuwana ruzivo rwenyanzvi nezvesarudzo dzakasiyana-siyana dziripo kubva kumakambani einishuwarenzi.
Ndakanga ndanyatsozvigadzirira nezvenyaya iyi nemakambani einishuwarenzi uye pakubvunza mibvunzo yakakwana
Ndakanga ndine kusava nechokwadi kwakasimba pamusoro pemhinduro dzakakodzera, zvinosuruvarisa.
Iye zvino ndakaisa inishuwarenzi yangu kune imwe kambani yeinishuwarenzi yekuGermany.
APG Consulting, Hofisi: +66 33 641 520 email: [email inodzivirirwa]
Pattaya Beach Condo,
482 Moo 10 Soi 13 (Herr Rainier)
Dzvanya mutongo une chekuita neiyo isina kutaurwa PSA hunhu uye iyo inonzi yakavanzwa ruzivo rwakakosha!
unofanira kuedza Mattieu in hua hinn. MuPataya maneja wehofisi ari kurwara.
Ndinoshamisika kana imi vanhu vechiDutch musina inishuwarenzi yechipatara munyika yenyu yamungadzokera pairi?
Kwete kana wakabvisirwa kunyoresa kubva kuNetherlands kwemakore uye usati wabhadhara chero mapremium kubva pakudzimwa.
Wadiwa JM,
Kana iwe uchigara pano zvachose, uye nemamwe mazwi usagara muNetherlands kwemwedzi mina yakatevedzana pagore, iwe hausisiri kodzero yeinishuwarenzi yehutano muNetherlands. Easy.
Hazvisi nyore, pane zvinopesana - zvakanyanya kuoma, izvo zvinoonekwa kubva munyaya yemupiro uyo asingatauri zita rake. Chero ani anogara kune imwe nzvimbo kunze kweNetherlands kwemwedzi inopfuura 8 acharegererwa uye saka haazove neinishuwarenzi yekubhadhara mari yekurapa muNetherlands. Izvi zvinoreva kuti unotoita sarudzo. Kana uchigara zvachose muThailand, unoziva kuti uri wega uye kuti kana uchida kuve inishuwarenzi unofanirwa kuita tsvakiridzo yakadzama. Nekuti vese vanopa inishuwarenzi yehutano makambani ekutengesa - saka vanoita bhizinesi kuti vazowana purofiti - unofanirwa kunyatso dzidza zvese zvakakura uye zvidiki zvinyorwa zvezvirongwa. Zvinorevawo kuti haugone kungofunga kuti zvese zvichanaka. Kunyanya kana iwe watochembera, asi zvakare kunyanya kana maprimiyamu akadzikira achibhadhariswa pakaitika shanduko.
Rianne, ndinokutendai nekuwedzera uku kwakakosha. Wakanga uri mudzidzisi wekireshi here?
Wadiwa Maryse,
Kana iwe uri muNetherlands kweanopfuura mwedzi 4, une kodzero yeinishuwarenzi yehutano. Izvi ndizvozvo. Kana iwe usina pekugara muNetherlands uye chimiro chako chiri RNI, haungagamuchirwi neinishuwarenzi yehutano. Uye kero yepositi ingori mhinduro yechinguvana (mwedzi mitatu kana 3) Kana ukaenda kuTurlje, unekodzero yekuwana inishuwarenzi yehutano yemahara zvichienderana nezvinowanikwawo nevaTurks. Saka kana ukarwara zvakanyanya muThailand, enda kuTurkey. Chibvumirano chenyika mbiri chinokupa mvumo kune izvi. Uye mari yacho ichatakurwa neNetherlands. Kurenda imba i6% yezvinodhura muNetherlands.
Kwazisai Anthony
Jm kana wakabvisiswa kunyoreswa kubva kukanzuru yako uye watamira kune imwe nyika iri kunze kweEEC (Thailand).
Zvinosuwisa asi zvinosuwisa chokwadi
Tarisa mukati
Mhinduro ndeyekudzokera kuNetherlands uye kunyoresa zvakare. Iwe unogona ipapo nekukasira kudzoka kune inomanikidzwa inishuwarenzi pasina ongororo uye mari yako ichavharwa. Nekudaro, ipapo iwe uchafanirwa kutarisana nenguva dzekumirira, idzo vanhu vese veDutch vanosangana nazvo.
Haisi yese inishuwarenzi yehutano ine chisungo chekugamuchira mumwe munhu!
Ehe, kana uchinge wangova nekero yemba uye uchigara muNetherlands kweinopfuura mwedzi mina pagore, unosungirwa kunyoresa muMunicipal Personal Records Database (GBA), uye unovharirwawo nehurongwa hwehutano nekumanikidzirwa. inishuwarenzi. Ndokumbira utarise kuti nguva yacho inotanga kubva panguva yekunyoreswa muGBA uye kuti haufanirwe kumirira mwedzi mina kutanga. Uye paunonyoresa kuhoro yedhorobha, uchabvunzwa kuti unotarisira kugara kwenguva yakareba sei uye unofanirwa kuratidza kuti uchange uchigara muNetherlands kweinopfuura gore uye pamusoro pezvose usataure kuti uchange uchingogara pano chete. 4 months nekuti ndicho chingava chikonzero chekusanyoresa.kunyora nemukuru. Chero chipi zvacho chauchaita gare gare, kusanganisira hushoma hwemwedzi mina muNetherlands uye inokwana mwedzi 4 kunze kwenyika, inobvumidzwa kuramba yakanyoreswa.
Mashoko kubva kuHurumende yeNyika:
“Inishuwarenzi youtano inofanira kundigamuchira inishuwarenzi youtano here?
Inishuwarenzi yehutano inosungirwa zviri pamutemo kukugamuchira iwe yeinishuwarenzi yekutanga, zvisinei nezera rako kana mamiriro ehutano. Inishuwarenzi inogona kukuramba iwe kuti uwane imwe inishuwarenzi. ”
.
Kugara muThailand unobhadhara mutengo wepamusoro weinishuwarenzi yekuchipatara yeDutch.
Verenga pa €500 - € 600 pamwedzi zvichienderana nezera rinopfuura makumi manomwe!
Handinzwisise kuti sei vamiriri veBelgian neDutch muThailand vasingawane mhinduro kune vekwavo vanoda inishuwarenzi yakanaka!
Ivo vane kero dzeshanduro dzeThai uye kuronga mavhiza, wadii inishuwarenzi yakavimbika?
Izvi zvinodaro nekuti isarudzo yako uye sarudzo yekudzima kubva kuNetherlands uye kugara muRhailand. Dai wakaramba uri muEU, pangadai paine sarudzo dzakati wandei dziripo. Chero zvazvingava, kana ukafunga kubva kuNetherlands, ibasa rako pachako. Kana ukaenda kunogara kuThailand uye usingakwanise kuwana inishuwarenzi yehutano yakanaka, unotora njodzi dzakati wandei. Ini nemurume wangu hatinawo inishuwarenzi yehutano nekuti tine mamiriro emari akasiyana.
Best ?
Zvakaipa kwazvo kwauri. Chinondishamisa ndeichi chinotevera: kana Cigna asina kubvunza chero chinhu nezve PSA tsika, vangagoti sei kukosha kwako pakugadzira kontrakiti yaive 4.2.
Asi pamwe uchandiudza izvozvo mangwana.
Iwe unofunga kuti AA yaifanira kunge yakakuzivisa iwe zvirinani? Kana kuti havasi ivo vane mhosva here? Ini ndinofungidzira kushamwaridzana kwako neCigna kuri kuburikidza neAA, kwete zvakananga?
Zvinoshungurudza zvakanyanya, mukutarisa iwe unofunga kuti haufanirwe kunge uchichinjira kune imwe inishuwarenzi mushure memakore masere. Asi hongu, kana iwe uchifunga kuti unogona kuchengetedza zvakanyanya paprimary nepo mamiriro achiita seakafanana, saka sarudzo yekuchinja iri kuyedza zvakanyanya. Iwe hautaure zera rako kana chikonzero chekuve nePSA kukosha kuyerwa panguva yekutanga, iyo yakazosvika ku8. Zvinoenderana nesaiti yeAndros, kiriniki yeDutch yakasarudzika, iwe kazhinji uri mumaoko akanaka nePSA yakaderera pane 4,2 kana zera rako riri pakati pe2,5 ne55 makore uye yakaderera pane 65 - 3,5 kana iwe uri 4-65. Pakati pe75-4 imwe inowira munzvimbo ye 'grey', sezvo chiyero chePSA hachingogadziriswi nezera remurume asiwo nehukuru hweprostate panguva yekuyera. Izvo zvinogona zvakare kutsanangura iyo 10 yawakayera. Kazhinji, sekureva kwavanachiremba kuAndros, kukosha kumwe chete kwakakwirira hakusi chiratidzo chakakwana chegomarara reprostate. (Uye zvinosuruvarisa kuti kukosha kwakaderera hakuvimbisi rusununguko kubva kukenza yeprostate). Ndokusaka chiremba Maarten anobva kuThailandblog asingafungi kuyera PSA seyakafanirwa nekuti, kune rumwe rutivi, kukosha kwayo kwekufanotaura hakuna kukwana uye, kune rumwe rutivi, kenza yeprostate inogona kuwanikwa mushure mekuongororazve, asi kurapwa hakusi. zvinodikanwa uye kune ngozi yekurapa kusingakoshi uye chero mamiriro ezvinhu asina kufanira kufunganya. Mukupedzisa, iyo yapfuura 4,2 hairevi chero chinhu kwauri, asi kutendesa inshurensi isingade yeizvi hazvizove nyore, kana zvisingaite. Vanotora kukosha kwe4,2 uye dai vakakuudza izvi pakarepo pawakatumira mhinduro ye4,0 paunenge uchinyorera inishuwarenzi. Zvakadaro, mukuramba kwavo kudzoserwa mari yekuvhiya, vanotiwo ruzivo rwakakosha rwakanyimwa panguva iyi. Iwe hautsanangurire mberi pane izvi, asi ndicho chikonzero nei wakafunga kuti PSA yako uyerwe? Iwe unoti zvinosuruvarisa kuti metastases ikozvino yaonekwa. Tichifunga kuti aya metastases anodawo kudzorwa uye kurapwa, pachavawo nemari inobatanidzwa. Ndichiri kumirira chikamu chechipiri chekupinda kwako, ndinokushuvira iwe rombo rakanaka uye kupora!
Pakutanga, ndaivawo neinishuwarenzi neCigna. Mutengo wakava unodhura kupfuura € 300 pamwedzi we3 pandakasvitsa makore 65. Mushure mekutsvaga kwenguva refu, ndakashandura kuFWD pasinei nemashoko asina kunaka kubva kune nyanzvi, kusvika ikozvino ndakanyatsogutsikana. Ini ndaifanira kutaura kuti ndinobhadhara hafu yekuwedzera ini mushure mekurapwa aneurysm, kuvhiyiwa uye mavhiki maviri ekuchengetwa muchipatara, ndinobhadhara 2 baht pamwedzi mitatu kwemakore gumi, ipapo-isina premium asi inishuwarenzi uye kana ndikafa zvangu. mudzimai anogashira mubairo, irudzi rweinishuwarenzi yekuchengetedza, nokudaro mipiro yemunhu pakurapa kukuru kana kudhura.
Ndakasangana nezvakasiyana.
Zvino ndakanga ndapiwa inishuwarenzi yeguta reRotterdam.
Uye ndaifanira kubvumirwa nokukurumidza nokuda kwechirwere chebhakitiriya.
Ndakarwara sembwa uye ndakabva ndapinzwa muchipatara cheBangkok.
Ipapo paifanira kutumirwa umbowo hweinishuwarenzi kuti vaizobhadharwa.
Izvi zvakabva zvaitwa nekambani yeinishuwarenzi ichibatsirwa neRed Cross.
Super yakarongwa navo.
Mushure memazuva gumi muchipatara, kubhadhara kwaifanira kuitwa.
Kuma9 vakandiudza kuti ndaigona kuenda kana insurance yabhadhara, ndaifanira kumirira.
Kambani yeinishuwarenzi yakanditumira humbowo hwekuti vangangoita mazana matatu ezviuru baht vaive vabhadharwa na14.00 p.m.
Saka ndainge ndaneta nekumirira nurse neadministration kuti vauye vandiratidze humbowo.
Uye ita kuti vataure nekambani yeinishuwarenzi.
Ndakanga ndisati ndabvumirwa kubuda, mukadzi wekambani yeinishuwarenzi hapana chaainzwisisa, akanga atumira email katatu uye kunyange fax.
Kuma 17.00 ndakange ndapedza nazvo ndokuenda kumba asi muparking ndakakombwa nesecurity.
Uye ndakachengetwa mune imwe kamuri.Ndakabvunza mapurisa asi havana kudanwa.
Ndakangobvumirwa kufonera kambani yangu yeinishuwarenzi.
Saka ndakafonera Red Cross neGuta reRotterdam inishuwarenzi, ndikavaudza zvose.
Havana kuzvinzwisisa, saka ndakapa runhare kumushandi wechipatara cheBangkok.
Pashure pehafu yeawa, Guta reRotterdam rakavaudza kuti vaifanira kuiendesa kechipiri.
Kana zvisina kudaro ndingadai ndisina kusunungurwa, ivo vakazviitawo.
Zvakanaka kubhadharwa kaviri pabasa rimwe chete.
Ndakaona humbowo.
Pakupedzisira ndakabvumirwa kubuda na20.00.
Iwo matsotsi muBangkok hospital.
Yakanyatsorongwa neRed Cross uye Guta reRotterdam.
Kwaziwai, Rob
Ndakava nechiitiko chakadaro uye saka ndinogona kusimbisa iyi nyaya. Ini ndakambonyora nezve dermatological kurapwa inogara yakazara makore mashanu uye 5 baht murombo nekuti ini ndaiva murwere kunze, saka hapana inishuwarenzi. Nyaya yaive yekuti vakatadza kundibatsira vakabva vandisiya. (Zviri nani kuti ndife nezvirwere.) Ndakaenda kuchipatara cheguta gare gare. Pashure pokuongororwa, ndakabva ndapinzwa muchipatara uye ndairapwa kakawanda pazuva uye kupiwa mishonga inorwisa mabhakitiriya. Mhedzisiro yakabuda muchipatara cheCity mushure memazuva gumi nerimwe ekupora. Mutengo, unozvibhadharira wega, ndozvazvinoita ipapo, 150.000 baht kusanganisira zvese. Mari dzakazodzoserwa naApril nekuti in-patient.
@Rob, ndizvozvo chaizvo. Zvakanyanya zvimwe chete zvakaitika kwandiri kuBangkok-Pattaya Hospital. Chipatara ichi chinotopinza basa vanhu vekune dzimwe nyika vasingaite chimwe chinhu kunze kwekufamba mumakamuri zuva nezuva vachikurudzira varwere kuti vabhadhare nekukurumidza sezvinobvira ... kana zvimwe !! Ava vanonzi "consultants". Havachandiona ikoko.
Ko vangotipa pasipoti.
Chipatara chinogara chichida kuona mari yachakagamuchira uye zvakadaro.
Ndasangana kakawanda muno muchipatara cheChangmai kuti inishuwarenzi yangu yakatumira garandi yebhangi.
Asi mari iyi haisati yatambirwa kana kuti haisati yakwana.
Ini ndinobva ndagamuchira chipo chekuti ndimirire, kana kuti ndipe pasipoti yangu, ndozowana humbowo hwekuti vatora pasipoti yangu.
Gara uchindipa pasipoti yangu.
Ndinowanzogamuchira runhare maawa mashoma gare gare kana munguva pfupi yapfuura zuva rinotevera, achindiudza kuti ndinogona kutora pasipoti yangu.
Ndine inishuwarenzi neVGZ yakazara zvachose, neThailand senyika yangu yekumba.
Hans van Mourik
Ona PS
https://www.thailandblog.nl/lezers-inzending/hulde-aan-het-changmai-ram-ziekenhuis/
Hans van Mourik
Zvakanakisa !!!!!!
Iwe wakambove neinishuwarenzi kare, paunotora Cigna policy (yandinayowo) unopa mvumo yekukumbira ruzivo rwemushuwarenzi wekare kana chimwe chinhu chikaitika.
Kana iwe wakaedzwa ipapo kune PSA kukosha, Cigna inogona kuziva izvi kubva kune yakapfuura inishuwarenzi.
Ini ndinofunga kuti Cigna kana hofisi yaifanira kunge yakakuzivisa iwe kana zvisina kutaurwa mumamiriro epolicy. Kana vakavimba negwara rinopfuura re4, rinogona kunge rakavanzwa kumwe kunhu mugwaro. Matemu nemamiriro ezvinhu, asi ndiani anoverenga izvozvo zvakanyanya pamberi?
Chero zvazvingava, wanga uchiziva nezvePSA yakawedzera zvishoma ye4,2, iyo inogona kunge isina kutariswa pawakanyorera, asi une sarudzo yekuiwedzera sewedzero pachikumbiro chako.
Ndave ndiine Cigna kwemakore, nerombo rakanaka handina kumbobvira ndaishandisa, saka handina ruzivo rwekubhadhara. Asi ndinoziva kubva pane zvakaitika kwandiri kuti kana wangove wapihwa inishuwarenzi kwenguva pfupi, pachagara paine kufungirana uye vanozobvunza kuti kodzero dzavo ndedzipi. Chero zvazvingava, paCigna hauna inshuwarisi yemamwe marudzi egomarara kwemwedzi mitanhatu yekutanga, iyo inonzi nguva yekumirira. Nenzira, pamwe neanenge ese mainishuwarenzi.
Wobva wangonyora chete nezvekusakwanisa kuve neinishuwarenzi kana wanga wabuda muNetherlands kweinopfuura mwedzi 8 kana kuti wakabviswa.
Kune vanhu vasati vadzimwa asi vachiri kuda kuenda, ndinokurudzira kuti uronge neinishuwarenzi yako muNetherlands kuti utore rwendo kupota nyika, kuitira kuti ugone kushandisa inishuwarenzi yehutano yeDutch kweanenge makore maviri uye nevamwe. inshurensi kwenguva refu.
Chero zvazvingava, rombo rakanaka uye tariro kuti Cigna ichakubatsira nemitengo.
Ndine makore makumi matanhatu nematatu. Ndave neinishuwarenzi yekuchipatara neDKV kweanenge makore makumi mana. Hapana kusarudzika zvachose uye ndine chivimbo chakanyanya pamusoro peizvi mune ramangwana. Vanhu vazhinji vanotora inishuwarenzi yehospice gare gare muhupenyu kana vachifunga kuti pane mukana wekuishandisa. Kana munhu wese akaita izvi pazera rapfuura, maprimiyamu angadai achiri kufanira kunge ari x63 uye zvisingabatanidzwe x40.
Tine hurombo kutaura kuti kana mukatumira ma invoice maviri kuDKV, vakabhadhara imwe chete kuThailand. Takabvunza chaizvo izvozvo uye zvinobuda kuti ichokwadi. Saka ... ivo vanobhadhara invoice yekutanga, asi kwete yechipiri, nekuti iwe unongovhara muEurope, KANA iwe unobhadhara yakanyanya premium.
Ini pakutanga handina kuda kupindura kuchinyorwa ichi, asi ndichazviita ikozvino. Kune rimwe divi nekuti takagamuchira mibvunzo yakawanda mukupindura meseji iyi, uye nerumwe rutivi nekuti - nekusaziva zvachose nemunyori, ndine chokwadi - zvakamutsa maitiro akati wandei achibvunza basa reAA.
#Cigna
Hunhu hweCigna sekambani hunogona kunzi mubvunzo. Cigna ndiyo yakakura expat insurer munyika. Zvekuti panyaya iyi vakatora danho rataisawirirana nazvo hazvirevi kuti vawedzera kuodzwa mwoyo. Iyo kambani hombe inongoreva mukana mukuru wekukanganisa. Munharaunda yese mune dzimwe nguva nhaurirano dzekuti chimwe chinhu chaive chiriko kare kana kuti kwete. Aya marudzi enyaya anowanzogadziriswa nekukurumidza. Munyaya iyi chaiyo, mushumo wechiremba usina kururama waiva chikonzero chekusanzwisisana. Nekudaro, Cigna ndiyo uye inoramba iri yakanyanya kunaka sarudzo kune rimwe boka revanhu.
#Ko AA inopa inishuwarenzi ichiziva yavanoziva kuti yakaipa?
Chokutanga pane zvose, inishuwarenzi yakakodzera haipo. Hatigone kuenzanisa mamiriro ezvinhu pano nemitemo yakachengeteka uye yakazara yatinogona kutora muNetherlands neBelgium pasina dambudziko. Hurongwa hwese hwatinogona kupa pano hune zvikanganiso.
Wese paAA anobata neinishuwarenzi yehutano anogara achiita zvaanogona kuti asarudze yakanakisa sarudzo. Iyo bhajeti iripo, mamiriro ehutano, mafambiro ekufamba, zera, nezvimwe zvinotariswa.
Nhasi tinoona vatengesi vepainternet vachiwanda vachibuda. Isu hatisi asingazivikanwe internet broker anogona kuomerera kune credo "kutengesa uye kukanganwa". Tine mahofisi anogona kushanyirwa uye - zvakatonyanya kukosha - isu tinogara pakati pevatengi vedu saka hatigone kuhwanda kana chimwe chinhu chisina kumira zvakanaka. Kunyatsofungisisa naizvozvo kunoitwa nguva dzose.
Izvi zvakaparadzana nenyaya yekuti semupi webasa isu tinogara tichitsamira pakuita kwevechitatu mapato (makambani). Saka isu tiri kugara tichishanda kuti titsvedze wrinkles uye kugadzirisa matambudziko.
Mukuwedzera, zvakajairika munyika yeinishuwarenzi kuti vashandi vagamuchire muhoro unonyanya kuenderana nemakomisheni. Nekudaro, paAA isu takasarudza nekuziva muhoro wakatarwa. Munhu ane dambudziko anoda kubatsirwa nekukurumidza kupfuura anogona kuita mari panguva iyoyo.
Ndakaverenga zvakare kuti mumwe munhu ane ruzivo rwakaipa neruzivo kuhofisi yePattaya.
Izvi zvinogona kunge zviri munguva (anenge makore mana apfuura) patakanga tisati tatora hofisi muPattaya uye yakanga ichiri mune mamwe maoko. Ichokwadi chinozivikanwa kuti muridzi wekare akanga asina hanya neinishuwarenzi yehutano.
Kana zvakaitika mumakore ekupedzisira e4, zviri pachena kuti ndinodemba zvikuru izvi.
Mumamiriro ezvinhu aripo, vashandi vatsva vanofanira mumvuri uye kucherechedza kwemwedzi mitanhatu vasati vabvumirwa kushanda zvachose vakazvimiririra. Mushure mezvose, pane zvishuvo zvakakura zvinobatanidzwa. Zivo yakakwana inogona kutarisirwa kubva kuvanhu vaviri vechiDutch vanoshanda pahofisi muPattaya. Hongu zvakare kubva kune 6 vanhu vechiDutch muHua Hin uye yedu Flemish koreji paPhuket.
#Pane chakaitwa neAA kutsigira dambudziko iri?
Hurongwa hwese hweOmbudsman hwakapedzwa vakabatana uye nekubvunzana kwakanyanya. Chikamu 2 chinojekesa izvi.
#General:
Chiitiko ichi zvakare chinoratidza kukosha kwekuverenga zvirevo nemamiriro. Kune mazana emhando dzemitemo pamusika. Vanhu vanombotibvunza kuti sei tisingatsigire nzanga yakadai. Eya, nzanga iri pachitsuwa chiri pakati pePacific Ocean, kumwe uko munhu asingambogoni kuwana kodzero dzake uye uko kugadzirisa gakava kunosanganisira “Kana usingabvumirani nechimwe chinhu, unogona kunyora tsamba our own director”, ingangove njodzi huru uye chinangwa chikuru cheinishuwarenzi yehutano ndeyekubvisa njodzi dzemari.
Nyaya iyi inoratidza zvakare kukosha kwekugadziriswa kwemakakatanwa neasingasaruri ombudsman.
#PacificCross
Pakavewo nemhinduro dzakati wandei nezvePacific Cross. Izvo hazvina chekuita nenyaya iyi, asi kazhinji: Iyo Pacific Cross marongero - semamwe makambani ese - ane zvikanganiso. Mukuwedzera, Pacific Cross ikambani chaiyo yeThai. Izvi zvinoreva kuti vakaoma kana vaona kuti chimwe chinhu chisina kutaurwa pagwaro remibvunzo yekurapa. Usambovanza chero chinhu kubva kukambani yeThai. Anenge makambani ese eThai achaitisa nhoroondo yezvekurapa kubvunza kana paine chinhu chaitika mukati memakore maviri ekutanga izvo zvingangove zvakagara zviripo. Pacific Cross zvakare ine zvisizvo zvine chekuita nezera uye nguva dzekumirira. Saka hazvina kunaka, asi nzanga yakanaka haipo. Zvese zvinogara zvichiramba zviri kutengeserana pakati pemaprimiyamu nekuvhara.
Zvisineyi, chinangwa chechirongwa cheboka chiri kugadzikwa ndechekuburitsa mubairo kune vatori vechikamu.
Kana zvese zvakataurwa zvakatendeseka uye vanhu vachibvumirana nechikumbiro chePacific Cross, saka hapana chakaipa nekambani iyi. Vanogara vachibhadhara pavanenge vachifanira. Pamibvunzo pamusoro peizvi ndinoda kutaura kune wandinoshanda naye Wim ([email inodzivirirwa]) kubva kuhofisi yedu yePattaya sezvo ari iye anotyaira kubva kuAA.
Kune ese asiri ePacific Cross boka hurongwa ane chekuita mibvunzo yandinogona kusvikwa pa [email inodzivirirwa] kana 08 - 1006 7008.
Pacific Cross, ini ndaimbove neinishuwarenzi yeboka ne expat club, ikozvino yakachinjirwa kune ind. plan. Nekuda kwekuvhiyiwa kwegumbo rekuruboshwe munguva yakapfuura (ibvi rekuruboshwe rakanga risisina inishuwarenzi kana paine matambudziko), ikozvino inguva yechando yaFebruary kuti bvunzo dzakaitwa muBangkok hospital. Kondirakiti yangu yakapera pakupera kwaChikumi, yakachinjirwa pakati paMay (mapepa akapera) akangogamuchira mapepa angu kusvika June 7 uye premium yakabhadharwa (saka kana ukaverenga diki diki handina inishuwarenzi kwevhiki, ndakawana inishuwarenzi yangu kuburikidza neNeng. .Mushure memwedzi ndakatambira meseji ndakaziva kuti zvinhu zvishoma zvakange zvisisiri inishuwarenzi, zvese mushure mekubhadhara mari yacho, saka vakatanga kufefetera nepamapepa ako ebvunzo, katsika kemafia nePacific Cross! inishuwarenzi yakanaka here?