Tussenstand [klik op deze link ]

26-9-2021:
Deze inventarisatie beperkt zich tot aanvragen van Certificate of Entry [CoE] met standaard Engelse verklaringen van NL zorgverzekeraars.
Alhoewel de Thaise eisen dezelfde zijn voor CoE en visums, worden visumaanvragen strenger beoordeeld wat vaker leidt tot afwijzing,
vooral voor visums langer dan 3 maanden zoals een Non O-A.
Inmiddels zijn 8 zorgverzekeraars volledig verwerkt. Van de grote verzekeraargroepen mis ik nog: Eucare Aevitae, Zorg en Zekerheid en Eno Salland.

Verzekeraars met een CoE goedkeuring zijn: DSW, VGZ, ASR, ONVZ, Menzis en OHRA.
DSW (krijgt 4 sterren) is enige met de gevraagde steekwoorden [Covid, inpatient, outpatient] met de gevraagde bedragen [$100.000, 400.000 / 40.000 baht].
Korte verklaringen, zelfs zonder bedragen en het niet noemen van disclaimers of beperkingen zoals "Dutch rate" of "lowest nursing class" helpen bij goedkeuring.
Zie VGZ, ASR, ONVZ, Menzis en OHRA. Deze verzekeraars krijgen 2 sterren, behalve OHRA - 1 ster. OHRA verwijst naar polis, zonder definitie wat vergoed wordt.

Verzekeraars met CoE afwijzing: Bewuzt VGZ en ZK Achmea.
ZK Achmea [ik denk alle dochters van Achmea zoals FBTO, die gebruik maken van dezelfde verklaring] heeft grootste probleem: is de enige met vette disclaimer [rubriek G].
Gebruikt veel tekst en heeft beperking "Dutch rate". Beter is om dit weg te laten zoals de verzekeraars die wel een CoE goedkeuring hebben.
Achmea krijgt 3 kruisjes, vanwege de 3 genoemde factoren. Bewuzt krijgt 1 kruisje, vanwege slechts 1 beperking.

Sommige lezers zeggen dat er sprake is van willekeur. Dat verklaringen afgewezen worden, waar andere wel een goedkeuring hebben gekregen. Ik wil hiervoor bewijs zien.
Oproep: denk je dat er sprake is van willekeur, stuur svp jouw verklaring met context [soort visum, verblijfsduur, datum uitslag CoE]?

Tenslotte, klagen helpt wel degeljk. Zie VGZ voorbeeld. VGZ gaf in 2020 de beperking "lowest nursing class".
Na klacht is dit weggehaald. Bewuzt, dochter van VGZ heeft anno 2021 exact dezelfde VGZ 2020 verklaring. Dus als je klant bent bij Bewuzt pak de pen!

Gebruiksaanwijzing

Elke tabblad toont een verzekeraar. JA betekent CoE toegekend, NEE afgewezen | 9-2021 bijv. is de meest recente maand-jaar van CoE toekenning of afwijzing.

Nogmaals een oproep

Graag nog meer verklaringen inleveren, zie overzicht van verzekeraars welke we nog missen:

1) Stuur een zo scherp mogelijke foto of een digitale scan van de verklaring en stuur die naar eddy.thailandblog@gmail.com.
2) Geef aan op welke datum je de CoE toegekend kreeg met deze verklaring, met welke visum en hoe lang je verblijf was
3) Als een CoE werd geweigerd als gevolg van de verklaring, stuur ook de verklaring met de datum van weigering. Ik zal een aparte rubriek maken met geweigerde teksten.

Briefwisseling met DSW:

TheoB zegt op 22 september 2021 om 13:34
Cornelis,

Omdat Jan S in eerste en tweede instantie niet reageerde op jouw verzoek heb ik mijn verzekeraar DSW dit probleem voorgelegd.

Mijn bericht:
“Ik wil bij de Thaise ambassade te Den Haag een Certificate of Entry (CoE) aanvragen om naar Thailand te gaan.
Daarvoor heb ik een verklaring van verzekering voor ziektekosten nodig. In die verklaring moet staan dat ik gedurende mijn verblijf in Thailand voor ziektekosten verzekerd ben voor ten minste 40.000 baht outpatient en voor ten minste 400.000 baht inpatient en voor Corona gerelateerde ziektekosten verzekerd ben voor ten minste US$100.000.
Mijn vraag is of DSW bereid is mij een verzekeringsverklaring te geven waarin die bedragen expliciet vermeld worden.”

Antwoord van DSW:
“Wij kunnen deze verklaring afgeven en de bedragen staan hierop zoals dat door Thailand wordt gevraagd. Om dit voor je aan te vragen heb ik de datum van je vertrek en de datum van je terugkomst nodig en je e-mailadres waar wij de verklaring naar toe kunnen sturen. Ik hoor het graag! Groetjes, R”

Voor mij wederom een bewijs dat ik bij deze verzekeraar in goede handen ben.
Zij werkt voor de verzekerden, niet om zo veel mogelijk winst te maken.

Navraag DSW via de chat, dd 23-9-2021:

Goedemiddag Eddy,
Ik heb gekeken hoe het zit met deze verklaring. Deze geven wij af voor Thailand 🙂 In de Health Insurance Statement voor Thailand staat vermeld dat verzekerde voor $ 100.000,-- verzekerd is voor kosten inzake Covid-19 en voor outpatient voor minstens 400.000 baht.
Als je bij ons verzekerd bent kan je de data van je reis doorgeven, dan sturen wij de verklaring naar je toe met daarop de gevraagde bedragen. Als je verder nog vragen hebt dan hoor ik het graag!
Groetjes,
Rosanne

Re-entry Non immigrant O, duur 5 maanden

Tekst verklaring

DSW Zorgverzekeraar issues this statement. DSW Zorgverzekeraar is a Health insurance company in Schiedam, The Netherlands.
<naam verzekerde> is insured at DSW Zorgverzekeraar for medical expenses.

DSW Zorgverzekeraar confirms that the Health insurance policy of <naam verzekerde> includes coverage of medical expenses in Thailand with the coverage limits listed in appendix A.
The insurance of <naam verzekerde> is valid from <start> up to and including <einde>

and includes global coverage of medical expenses (limited to essential and necessary medical care). Enclosed is a summary of the maximum coverage of medical expenses outside of The Netherlands (Appendix A):

Appendix A. The coverage of medical expenses outside of The Netherlands include the costs of:
hospital treatments in a locally qualified hospital during a limited period of 365 days: inclusive covid-19 hospital related costs to a minimum of
$100,000. • non-clinical (outpatient) specialist treatments; • care provided by a general practitioner; • medicines and medical devices prescribed by a general practitioner
or specialist; • medical necessary transportation by ambulance, and • repatriation to The Netherlands; • outpatient treatment with no less than 40,000 THB coverage and no less
than 400,000 THB for inpatient treatment.

The aforementioned coverage is limited to: • health care in accordance with Dutch Health Care (insurance) Laws and the
policy terms & conditions of DSW Zorgverzekeraar, • health care provided by a health care provider that is recognized and
qualified as such according to the applicable laws in Thailand.
The coverage of costs concerning aforementioned medical expenses is as follows: • If health care cannot be postponed until the return to The Netherlands
(emergency care), DSW Zorgverzekeraar will cover 100% of the necessary
medical costs. • If health care can be postponed until the return to The Netherlands, DSW
Zorgverzekeraar will cover the costs limited to the costs if the health care would have been delivered to the insured participant in The Netherlands.
In case of hospital care, the insured participant has to ask permission from DSW Zorgverzekeraar beforehand in order to receive reimbursement.

We reserve the right to withdraw this statement in case of cancellation or suspension of the insurance.

F. Geldig ongeacht reisadvies

To verify this insurance, or in case of hospitalization, please contact the emergency medical service SOS International, telephone number +31 20 651 51 51.
Hospital treatment will not be reimbursed without proper identification of the insured participant by DSW Zorgverzekeraar.

Laatst gewijzigd:

zelfde verklaring, goedgekeurd op 11-2020 en 9-2021

?? , verblijf: 6 maanden

[was in 2020 geen eis]

full reimbursement of the costs of unforeseen and urgent medical care as provided world wide

Nee, geen bedrag

full reimbursement of the costs of unforeseen and urgent medical care as provided world wide

Nee, geen bedrag

full reimbursement of the costs of unforeseen and urgent medical care as provided world wide

Tekst verklaring

Date of issuance : <date>
Valid from <start> to and including <end>.
This is to certify that:
Name : Date of birth : Gender : Address : Insurance number :
is insured under the above mentioned health insurance-policy.

..full reimbursement of the costs of unforeseen and urgent medical care as provided world wide..[Thailand niet genoemd] | Valid from <start> to and including <end>.

Coverage
This policy covers full reimbursement of the costs of unforeseen and urgent medical care as provided world wide including South-Africa, the Russian Federation, Cuba, Belarus, the Ukraine and Iran.
This coverage includes the costs of care by a general practitioner or specialist, including the costs of COVID-19 and the medicine prescribed by a doctor or general practitioner, the costs of medically necessary patient transport and hospitalisation in a locally recognised hospital.
Also covered is repatriation after an accident/sickness or in the event of death: reimbursement of the costs of the required transport to his/her place of residence.

full reimbursement of the costs of unforeseen and urgent medical care as provided world wide

F. Geldig ongeacht reisadvies

The precondition for the reimbursement is that the insured person is a resident of The Netherlands or is working and paying income taxes in The Netherlands.

Emergency centre
Menzis cooperates with the ANWB emergency centre. In case of acute illness or hospitalisation abroad the insured must contact the ANWB emergency centre,
telephone number 0031 317 455 555.
Insurance company name : Menzis
Address : Postbus 75000
Postal code and city : 7500 KC Enschede
Country : the Netherlands
Phone : (053) 485 34 77

Bewuzt VGZ heeft anno 2021 dezelfde verklaring als VGZ in 2020
welke afgewezen is door de ambassade

5-2021 en 7-2021

In 2020 afgewezen, toen zinsnede stond "In case of an admittance to a hospital our insurance company
only covers the costs of the lowest nursing-class." Zie blogartikel van Jan T. Zie ook verklaring Bewuzt VGZ

Re-entry Non immigrant O, verblijf: ? maanden

including COVID-19 treatment and necessary observation, which could not be foreseen at departure

Nee, geen bedrag

covers the necessary medical costs

Nee, geen bedrag

all necessary medical costs,.., which could not be foreseen at departure ..

Tekst verklaring

Herewith we, Zorgverzekeraar VGZ Insurance Company, confirm the insurance of: Name: Date of birth: Address:

.. during a temporary stay abroad [Thailand niet genoemd] for a period of at most 365 days.

Insured are all necessary medical costs, including COVID-19 treatment and necessary observation, which could not be foreseen at departure, during a temporary stay abroad for a period of at most 365 days.
The costs of transport with an ambulance are only covered when this transport is necessary for medical reasons to obtain medical care at the nearest hospital.
In case of an admittance to a hospital our insurance company only covers the necessary medical costs.
Not insured are costs:
- which are not included in our health insurance;
- of medical tests; treatment or an admittance to hospital which were the purpose of travelling abroad;
- of transport, except for transport with an ambulance as mentioned above; l of repatriation.
All the above mentioned is insured under the conditions of the policy.

[hospital admittance] .. covers the necessary medical costs | all necessary medical costs,.., which could not be foreseen at departure ..

F. Geldig ongeacht reisadvies

Nav de clausule in de verklaring: "In case of an admittance to a hospital our insurance company only covers the costs of the lowest nursing-class."

Jan: "Ik heb na 2 keer met de helpdesk VGZ een officiële klacht ingediend.
Toen werd ik gebeld door Yvonne van de Oever van de klachten afdeling.
Ze heeft net zolang met de helpdesk van hun gecommuniceerd tot er eindelijk de juiste verklaring was.
Pas toen ik bevestigd had dat deze goed was heeft ze die als standaard laten plaatsen voor hun helpdesk.
Dus afgelopen juli weer een nieuwe aangevraagd en toen kreeg ik gelijk die wie ik naar jou toegezonden heb via de gewone helpdesk van VGZ .
Dus als je meer inhoudelijke informatie wilt neem gerust contact met Yvonne op zeer vriendelijk en behulpzaam en blijft contact houden van haar uit tot klacht of vraag goed is opgelost.
Telefoon nummer volgens mij rechtstreeks +31 24 329 7641 en anders algemene nummer +31 88 131 3000."

Laatst gewijzigd:

Re-entry Non O, verblijf: 3 maanden

[was in 4-2021 nog geen eis]

This includes COVID-19 treatment and observation, which is medically necessary and could not be foreseen at departure...

Nee, ook geen bedrag

global coverage for necessary treatment during a holiday, family or business trip in event of sudden illness or accident up to 100% of the costs

Nee, ook geen bedrag

global coverage for necessary treatment during a holiday, family or business trip in event of sudden illness or accident up to 100% of the costs

Tekst verklaring

We hereby declare that <naam, geboortedatum verzekerde> is insured against medical expenses with “De Amersfoortse Verzekeringen”/a.s.r.

The policy offers a global coverage [Thailand niet genoemd] for necessary treatment during a holiday, family or business trip in event of sudden illness or accident..
[Geen clausule over specifieke start/eind datum, wel:] ... during a temporary stay abroad for a period of at most 365 days

The policy offers a global coverage for necessary treatment during a holiday, family or business trip in event of sudden illness or accident up to 100% of the costs which would be made
in The Netherlands if the same necessary treatment occurred.
This includes COVID-19 treatment and observation, which is medically necessary and could not be foreseen at departure, during a temporary stay abroad for a period of at most 365 days.
The costs of transport with an ambulance are only covered when this transport is necessary for medical reasons to obtain medical care at the nearest hospital.
In case of an admittance to a hospital our insurance company only covers the costs of the lowest nursing class. The compensation of this costs will be paid in The Netherlands in euros.
Not insured are costs:
- Which are not included in our health insurance;
- Of medical tests, treatments or an admittance to a hospital which were the purpose of travelling abroad;
- Of transport, except for transport with an ambulance as mentioned above; - Of repatriation;
- Of quarantine.
All the above mentioned is insured under the conditions of the Policy.

... up to 100% of the costs which would be made in The Netherlands if the same necessary treatment occurred

F. Geldig ongeacht reisadvies

Do you have any questions?
We find it important that you are well and fully informed. If you have additional questions you can send us a message via Facebook, Twitter of Whatsapp or send an e-mail to ziektekostenacceptatie@amersfoortse.nl. Or you can call us on 033-46 420 61.

Laatst gewijzigd:

Visa exemption, duur 1 maand

Nee, doch nvt bij soort visum

Nee, doch nvt bij soort visum

Tekst verklaring

We certify that <naam verzekerde> is registered with our company and is entitled to worldwide medical care, as of <datum>.

ln the event of a temporary stay in Thailand, from <start date> up to and including <end date>, ...

the costs of unforeseen treatment, i.e. in case of an acute illness or accident,

will be fully reimbursed as per the official rates valid in Thailand and in accordance with the health insurance policy's scope of cover.

The validity of this confirmation of health insurance will end when the insurance policy expires.

F. Geldig ongeacht reisadvies

Traveling to a risk area (travel advice colour code: orange or red as indicated by the Dutch government in relation to COVID-19) does not affect the insured's scope or level of coverage.

ln any event ONVZ Zorgassistance can be contacted for verification of coverage and a payment guarantee in case of illness or accident. The telephone number in the
Netherlands is: +31 88 668 97 67.
ONVZ Zorgassistance can be contacted 24 hours a day, 7 days a week.

Laatst gewijzigd:

Tourist, 90 dagen

[was in 2020 geen eis]

[was in 2020 geen eis] A general maximum reimbursement does not apply.

Nee, geen bedrag

A general maximum reimbursement does not apply.

Nee, geen bedrag

A general maximum reimbursement does not apply.

Tekst verklaring

OHRA Zorgverzekeringen NV hereby confirms that the insured person or persons named below had or have taken out a health insurance policy with us.
Name
Date of birth
Health insurance OHRA Zorgverzekering Restitutie
Additional insurance OHRA Sterk

This statement is valid in Kingdom of Thailand from <start> up to and including <end> on the condition that you have not changed your insurance policy.

[verwijzing, zonder korte definitie wat vergoed wordt] - The exact cover provided under this health insurance policy can be found in the terms and conditions of insurance.
A general maximum reimbursement does not apply. The insurance conditions also apply to care following a Covid-19 infection

A general maximum reimbursement does not apply.

F. Geldig ongeacht reisadvies

Heeft dezelfde verklaring als VGZ, muv zinsnede "lowest nursing class"

Laatst gewijzigd:

In feite werd de Non O visumaanvraag afgewezen

Reden afwijzing ambassade:

only covers the costs of the lowest nursing-class.

Non O, verblijf: 3 maanden

[was 5-2021 nog geen eis]

beperkende bepaling in vergoeding:

only covers the costs of the lowest nursing-class.

Nee, geen bedrag

beperkende bepaling in vergoeding:

only covers the costs of the lowest nursing-class.

Nee, geen bedrag

beperkende bepaling in vergoeding:

only covers the costs of the lowest nursing-class.

Tekst verklaring

Herewith we, Bewuzt Insurance Company, confirm the insurance of: <NAW geb datum verzekerde>

.. during a temporary stay abroad [Thailand niet genoemd] for a period of at most 365 days.

Insured are all necessary medical costs, including COVID-19 treatment and necessary observation, which could not be foreseen at departure, during a temporary stay abroad for a period of at most 365 days.
The costs of transport with an ambulance are only covered when this transport is necessary for medical reasons to obtain medical care at the nearest hospital.
In case of an admittance to a hospital our insurance company only covers the costs of the lowest nursing-class.
Repatriation to the Netherlands is insured when this transport is necessary for medical reasons. Also insured is the transport of the deceased from abroad to the Netherlands.
Not insured are costs:
l which are not included in our health insurance;
l of medical tests; treatment or an admittance to hospital which were the purpose of travelling abroad;
l of transport, other than mentioned above.
All the above mentioned is insured under the conditions of the policy.

In case of an admittance to a hospital our insurance company only covers the costs of the lowest nursing-class.

F. Geldig ongeacht reisadvies

FBTO Achmea heeft exact dezelfde verklaring

re-entry Non immigrant O, minstens 3 maanden

Up to a maximum of 100% Dutch rate

Vette disclaimer G

Up to a maximum of 100% Dutch rate

Vette disclaimer G

Up to a maximum of 100% Dutch rate

Vette disclaimer G

Tekst verklaring

This is to certify that our above mentioned client <naam verzekerde>, resident of the Netherlands, is covered with Zilveren Kruis, one of the main public healthcare insurance companies in the Netherlands.
Our client has a Basic health insurance with a supplementary insurance.

Zilveren Kruis medical insurance covers the costs of medically necessary and urgent healthcare interventions during client's temporary stay outside the Netherlands in Thailand.
The above mentioned benefits also apply for a stay in Thailand and cover the period of stay from <start> until and including <end>.

More specifically, we confirm the following details:
1. The Zilveren Kruis health insurance (basic insurance) covers all medically necessary care including routine and emergency services worldwide and including treatment for COVID-19, in accordance with the reimbursement in the Netherlands and in compliance with the detailed policy conditions and exceptions, up to a maximum of 100% of the Dutch rate.
2. The Zilveren Kruis health insurance (basic insurance) covers all of the following types of emergency care: treatment for injuries resulting from the practice or play of nonprofessional athletics, inpatient and outpatient psychiatric emergency care and emergency treatment for chemical dependency, including treatment for COVID-19, in accordance with the reimbursement in the Netherlands and in compliance with the detailed policy conditions and exceptions, up to a maximum of 100% of the Dutch rate.
3. The Zilveren Kruis health insurance (basic insurance) is effective as of 1 January 2015 and the insurance also covers for any pre-existing conditions in accordance, including treatment for COVID-19, with the reimbursement in the Netherlands and in compliance with the detailed policy conditions and exceptions, up to a maximum of 100% of the Dutch rates.
4. The Zilveren Kruis health insurance (supplementary insurance) covers all medically necessary urgent care including emergency services worldwide, including treatment for COVID-19, according to the reimbursement in the Netherlands and with regard to the conditions and exceptions. Coverage is supplementary to the basic insurance and valid for a maximum of twelve months. Compensation is given up to 100% of the medical costs exceeding the coverage mentioned under 1, 2 and 3.
5. The insurance also provides cover for medically necessary repatriation, including treatment for COVID-19, of the patient back to the Netherlands, in case the medical treatment should be continued in the patient's home country based on medical necessity, and transporting a corpse from the place of death to the place of residence in the Netherlands. The Zilveren Kruis Emergency centre by Eurocross will be involved to organise this.

Up to a maximum of 100% Dutch rate

We reserve the right to withdraw this confirmation when the insurance is cancelled or suspended.

F. Geldig ongeacht reisadvies

Important restriction The above information reflects the actual benefits provided by our health-insurance, however this information does not replace the detailed policy conditions of the specific health-insurance in place.
Please note that no rights can be derived from the information given in this letter, neither by the addressee nor by the insured client.

Our company and its dedicated international emergency centre, Eurocross Assistance, have the full legal right to handle and pay any medical claims of our clients regarding their covered medical treatment in Thailand and abroad.
For verification of the insurance and in case of hospitalization, please contact our international emergency centre Eurocross Assistance; telephone number +31 71 364 62 00. We will assist our client issuing confirmation of benefits and payment to the medical providers involved.