Kutumira Muverengi: Hadzisi mari dzese dzekurapwa muThailand dzinodzoserwa neinishuwarenzi yehutano
Mazuva mashoma apfuura, chikumbiro chakaitwa chezviitiko neveDutch health insurers maererano nekudzoserwa kubva kuThai account. Ndakanga ndiri muchikamu chakakosha chehurukuro neZK panguva iyoyo, asi ikozvino yakavharwa. Hechino chiitiko changu.
Ndakanga ndiri muThailand kubva 15-11-2017 kusvika 1-5-2018. Ndine inishuwarenzi neZilveren Kruis. Yakaendesa gumi nemana eThai mabhiri muna Chivabvu 16. ZK inotaura kuti mumutemo, zviziviso zvinogadziriswa mumazuva matatu, asi zvinhu zvose hazvigadziriswi kusvika June 14. Kukurukurirana kwainonoka uye kwakaoma.
Izvi zvine chekuita nezvikwereti kubva kuzvipatara, makiriniki nema pharmacy. Bhakitiriya munzeve yangu, chepfu yechikafu uye matambudziko maviri nebvi rakasakara. Nokuti ndakanga ndatora mushonga kwemwedzi mina uye ndakagara muThailand nguva refu, ndaifanira kutenga mushonga ikoko.
Zvese zvandakazivisa zvinoendeswa kuZK nemupi wehutano muNetherlands uye ini hapana chandiri kuona nezvazvo. Zvose zvinodzorerwa nguva dzose. Iye zvino ZK inoramba kudzosera kutenderedza € 850 ye400 € yandakaendesa. Zvikonzero: hatidzoreri mabhiri asina kunyorwa (imwe ye20 €), kana iwe ukatora mushonga muNetherlands watinodzosera, izvi hazvireve kuti isu tinodzosera yakaenzana yeThai, uye pakupedzisira, jekiseni rinodhura neHylaruonic acid yandakanga ndava nayo. muNetherlands ndakava nayo kaviri uye inogona kudzivirira kuvhiyiwa kwemabvi, asi haisi kudzorerwa.
Yakatumirwa naHans
Ndinosuwa kutevera, kana kuti wakagamuchira nzvimbo yavo? Uye iwe wanga uine inishuwarenzi yemitengo kunze kwenyika kuburikidza nekuwedzera kune yakajairwa mutemo?
Chekutanga, kusadzorera invoice isina kunyorwa zuva zvinoita sezvine musoro kwandiri maererano nehutsotsi. Ibasa rako pachako kuona kuti wagamuchira invoice chaiyo. Iyo jekiseni isina kubhadharwa: hongu, kana isingakurumidzi kana kudhura zvakanyanya uye iwe uchiitora pasina mvumo isati yasvika, inogara ichidiwa kune dzimwe nyika, saka zvakakodzera kuti Zilveren Kruis haagamuchiri. Sei usina kutora inishuwarenzi yekufamba kuitira kuti mari yekurapwa isingatarisirwe idzoserwe? Ndinofunga kuti kusava nehanya kwangu, saka usazonyunyuta pashure.
Ndakatumira meseji iyi musi wa11 Chikumi. Heino imwe update.
Mushure meemail uye mafoni mashoma, ndakatumira ZK mhedziso yemishonga yangu yechiDutch uye yakaenzana muThailand. Mushure vakazodzorera mishonga yese.
ZK inonyora kuti vanowanzobhadhara mushure memazuva matatu, kwandiri kubhadhara kwemishonga kwakatora kusvika kumasvondo matanhatu.
Nezve iyo hyaluronic acid jekiseni ine chekuita, ZK yakanyora mune yavo yekupedzisira email kuti HAVAGANIRI kuidzosera. Izvozvo zvakandishamisa, ndaifunga kuti vakanga vasingadi. Sangano revatengi rakafungawo munzira iyoyo.
Ndatumira chichemo kuSKGZ (Health Insurance Complaints and Disputes Foundation) uye chiri kugadziriswa.
Ndakawanawo chinyorwa paDutch Healthcare Institute umo vanotaura kuti chiyero chekudzorera chimwe chinhu chinogona kufanana neizvi chinofanira kugadziriswa. Nekudaro, sekuziva kwangu, sangano rehurumende iri haritauri kana kurayira.
Kutenda kune majekiseni aya muna 2011, 2013 uye 2018, ndakadzivisa € 10.000 kuvhiyiwa kwemabvi kwemakore manomwe uye zvino ZK inoda kuti ndibhadhare mari. Takamirira kunzwa zviri kutaurwa neSKGZ.
Ndine chiitiko chimwe chete neONVZ. Ndine imwe insurance zvakare ikoko.
Kubhadhara kunoitwa, asi maakaundi anofanirwa kusangana nemamiriro akati wandei, kusanganisira:
- invoice yakadhirowewa muChirungu (haasi munhu wese anoziva mutauro weThai 😉
- chikonzero chekubvunzana, nhamba yekubvunzana
- mhedziso yechiremba: kuongororwa uye chirongwa chinogoneka chekurapa
- tsanangudzo yekurapa nemishonga yakaitwa: rudzi, huwandu, mutengo
– nhamba yemvumo yachiremba, siginicha yachiremba
– zita, kero kero uye chitambi chechipatara.
Zvimwe zvipatara, kazhinji zvipatara zvakazvimiririra uye zvepasi rose, hazvina dambudziko neizvi. Zvimwe zvipatara hazvikwanise kugadzira inivhoisi muChirungu.
Kunyanya kana zvasvika kune zvinodhura maitiro, zviri nani kutanga wabvunza neinishuwarenzi kuti chii chaizvo chakavharwa uye kubvunza nezve izvo invoice inofanirwa kutevedzera.
Ini kazhinji ndinobhadhara mari diki kubva muhomwe yangu kana kuzivisa kusingakodzeri.
Pfupiso yakajeka yezvinodiwa zvinofanira kuitwa neinivhoisi. Hazvina musoro pachazvo. Asi sezvawatoona, hazvisi zvipatara zvese zvinokwanisa kuburitsa invoice muChirungu. Uye kazhinji zvichave izvo zvipatara izvo zvinowanzobhadharisa mutengo wakaderera wemaitiro pane zvipatara zvakatarisana nenyika. Pamusoro pejekiseni remabvi, Hans angadai akadzivisa zvinetso zvemari kupfurikidza nokutaura neinishuwarenzi yake pachine nguva mberi. Ini handimupe tarisiro yakawanda yemhedzisiro yakanaka pakunyunyuta kwake neSKGZ. SKGZ inotarisa kana mutemo washandiswa nemazvo uye haitarise kana jekiseni rinodzivirira kuvhiya kunodhura. Hans'inshurensi anotaura zvakajeka kuti havabvumidzwe kudzosera jekiseni uye izvo zvingangove zvichibva pamitemo yemutemo.
Ndakabata inishuwarenzi yangu yehutano, VGZ, neemail muna 2010. Pindura ne-e-mail: “pamberi ipapo, zivisa pano.
Kudzoka kuNetherlands: chiziviso chese chakarambwa, nokuti ... isina kunyatsotsanangurwa (kusvika pane tsono ye € 1,25 (45 THB) yakanga ichiri kubatanidzwa), invoice yaisagona kuverengwa (yaiva nemitauro miviri: Thai neChirungu) uye pakupedzisira: kutarisirwa kusingashandi. Zvino izvo zvakare zvaibva kune 3rd tier jungle hospital, inonzi Bumrungrad muBangkok. zvakare n'anga iripo, Dr Verapan, uye inyanzvi yebasa rake zvekuti inopa madhimoni ezviitiko zvitsva mumunda wake pasi rose, ona Google.
Ah kaviri mudiwa: mwedzi mishoma gare gare, nerubatsiro rweThai scans uye bvunzo, ndakavhiyiwa kaviri musana muchipatara cheVGZ chechibvumirano muBrasschaat (B). Hapana chaigona kuwanikwa muchipatara cheDutch ...
Tarisana nazvo: muhupfumi hweKUZIVO isu tinongove nevamwe vanachiremba (kana ivo maakaunti) avo vanokwira kumusoro kwepasirese, uye vanoziva zvese zvirinani. Ndosaka marapiro anoshandiswa pasi rese achitaurwa pano "kwete maererano nesainzi uye tekinoroji" uye saka HAZVIKOdzere kuziviswa, kusanganisira jekiseni neHyaluronic acid (ona Google), ona semuenzaniso chikamu chekupedzisira: https://www.orthopeden.org/downloads/85/standpunt-hyaluronzuur-bij-artrose-knie.pdf kana 3rd ndima https://www.zorginzicht.nl/bibliotheek/hyaluronzuur-injecties-bij-artose-van-de-knie-federatie/Paginas/Home.aspx
Kuti vanhu vanofunga zvakasiyana munzvimbo dzakawanda munyika ... zvakanaka, funga Heinrich Heine, kumativi 1800: "kana nyika kuguma, ndichaenda Holland, zvose zvichaitika ikoko 20 makore gare gare".
Kana ukaona kanzwi kekunyomba munyaya yangu… HERE!
Iye zvino ndine dambudziko rakafanana nebvi rangu, jekiseni neHylaruonic acid harina kudzorerwa kwandiri (CZ)
Chikonzero chavanoti ndechekuti hazvina kuratidzwa kuti majekiseni ane chekuita nekurapa.
Ndinofanira kutaura kuti handifariri kuzviita nokuti chiitiko chinorwadza zvikuru.
Ndakaiswa zvitatu uye ndinofanira kutaura kuti zvinobatsira, kare zvairwadza uye mubvi maigara muine mvura yaifanira kubviswawo.
Iyo sodium Hyalurronate 25 mg. 2.5 ml kuti isadzoserwe, ndinofanira kukuudza kuti inodhura, majekiseni aya akawana mabhiri eanenge 6500 baht nguva dzese.
Pane anoziva here kuti achadzorerwa kuNed?
Robert
Undated invoice haizodzoserwe, zvine musoro, handiti?
Kutaura zvazviri, unonyora iwe pachako.
Nekuti ndakagara kwenguva refu muThailand….
Inishuwarenzi yekufamba inoshandiswa nekuda kweichi chinangwa, ndosaka ZK ikozvino yava nemanzwiro ekuti vari kubhadhara mari iyo inishuwarenzi yekufambisa inofanirwa kunge yakabhadhara.
Zvichienderana nekuti mishonga yakatengwa kupi, inogona kunge yakadhura kupfuura dai wakaitenga kuNetherlands.
Kana yakatengwa muchipatara chakazvimiririra, unobhadhara mutengo wepamusoro wemishonga.
Ichokwadi here? Ini ndinofungidzira kuti kana iwe waizoendesa iyo mari yekurapa kukambani yako yeinishuwarenzi yekufamba, yaizokuendesa kukambani yako yeinishuwarenzi yehutano.
Zvakangodaro neimwe nzira. Kutanga iwe unofanirwa kuendesa mari kune yako inshuwarisi yehutano. Kana izvi zvikasabhadharwa uye ukasangana nemamiriro einishuwarenzi yekufamba kuti udzoserwe imwe mari yekurapwa, unogona kuitora ipapo kechipiri. Asi pano zvakare unopedzisira wava nenyaya dzakafanana nedze inshuwarisi yehutano, sekudiwa kwejekiseni, zvinodiwa zvekubhadhara uye, zvakanyanya kukosha, usati wapinda muchipatara, unofanirwa kukumbira zviri pamutemo mvumo kubva kuinishuwarenzi yekufamba yekurapwa uye. mishonga inofanira kushandiswa nezvimwe. Uye kana usina inishuwarenzi yekufamba saka hauna kodzero yekutaura.
Uye inishuwarenzi yekufamba inotumira kudai kune inshuwarisi yehutano hwako. Ndiko kusaka vachikumbira. Saka onai kuti ndakachenjera kuti nditore zvose neinishuwarenzi imwe chete.
zvakanaka,
Unogona kutenga chitambi chakareruka chemazuva pane chero chitoro chemabhuku, Tesco uye Big-C
Kana kubhadhara nekadhi rechikwereti. Chiyero chekuchinjana chinogadziriswa zvakare.
Ndiri kuona mhinduro dzakasimba uye dzimwe dzisiridzo.
Ruud: handizvo izvo inishuwarenzi yekufamba ndeye. Kana iwe uine imwe inishuwarenzi yehutano yekuwedzera, izvi zvinotora pamberi sekudzoserwa kwemari yekurapa ine chekuita.
Ndine inishuwarenzi yekufamba kwenguva inosvika mwedzi mitanhatu. Saka mubvunzo wekuti sei ndisinawo hauna kururama.
Mishonga muThailand inodhura zvishoma pane kana ndikapedza imwe mwedzi miviri ndadzokera kuNetherlands
anga ari. Nekuwedzera kugara kwangu ndakachengeta mari yeZK.
Ndataura sequel. Izvi zvinoreva kuendesa chichemo kuSKGZ, bato risina kwarakarerekera.
Inishuwarenzi yangu yekuwedzera inodzosera mari dzese dzekunze kunze kweUSA.
Bhidhi riye risina kunyorwa zuva raive diki, ndaifanira kunge ndakateerera zvakanyanya. Iyo yaive € 20 kubva ku400.
Sezvaunonyora, inishuwarenzi yekufambisa ndeyekuwedzera mari yekurapa. Izvi zvinoreva mari dziri kunze kwenyika dzisiri kubhadharwa neHealth Insurance Act. Hapana Dutch travel insurer ichava yekutanga kudzorera mari, nokuti ipapo iwe unokurumidza kuguma nepamusoro pemari inodarika 100 Euro pamwedzi, yakaenzana neinishuwarenzi yehutano yakajairika.
Chiitiko chedu nemitengo yehutano kuburikidza neZK yaive yakanaka. Chikamu chemitengo haina kudzorerwa nekuti yakawira pasi peiyo deductible. Zvisinei, mari iyi yakabhadharwa zvakakodzera nekambani yeinishuwarenzi yekufamba pahwaro hwokuti tingadai tisina mari iyi kudai takanga tagara pamba. Saka isu tinogutsikana nekubata kwezvose hutano uye inishuwarenzi yekufamba.
Hachisi chokwadi here kuti unofanira kukumbira mvumo kare kubva kuinishuwarenzi yako yehutano kune dzinenge dzese dzisiri dzekukurumidza kurapwa mumaruwa? Ipapo vangadai vakapawo kujeka pamusoro pemuripo. Hazvina mhosva kuti unofunga kuti zvine musoro sei uye dzimwe nguva kunyange kuchengetedza mutengo uchienzaniswa neNetherlands. Pasina mvumo yekutanga, panogona kuve nekusuwa kwakawanda mushure.