Bima ya afya kwa wanaoishi nje ya tanzania!

[Aluta]

Nimekuwa nikisoma mara kwa mara kwenye mitandao mbalimbali habari za vifo vya Watanzania wenzangu nchi za nje. Vifo hivi vinatokea sana Marekani na Ulaya. Sasa swali la msingi ni kuwa: Je' ni Watanzania wangapi wana utamaduni wa kununua Bima za afya?kwamba wakiumwa wanaweza patiwa matibabu na Bima ikalipa? Na hizi communities za Watanzania sehemu mbalimbali nje ya Tanzania hamna uwezekano wa kununua Commulative Insurance mwanachama akiumwa anapatiwa matibabu? Nimeona jinsi watu wanavyo struggle kutafuta fedha kusafirisha wapendwa wao. Je tuna utamduni kweli wa kununua health insurances?

Nimeuliza, lakini mimi si mtaalam sana wa maswala ya insurance mwenye knowledge zaidi anaweza weka hapa. Moja ya health insurance niliyokuwa nayo inanilipia % fulani kama nikiumwa na nikifa basi mrithi wangu au wazazi wanalipwa
50,000EUR kitu ambacho niliona ni good deal kwa bei ya 130EUR kwa mwaka. Ila walikuwa na restriction kwamba uwe unaishi nchini permanently; lakini hata hivyo naamini zipo insurances nyingi na policies tofauti.

 

[Kuhani]

Nimekuwa nikisoma mara kwa mara kwenye mitandao mbalimbali habari za vifo vya Watanzania wenzangu nchi za nje. Vifo hivi vinatokea sana Marekani na Ulaya. Sasa swali la msingi ni kuwa: Je' ni Watanzania wangapi wana utamaduni wa kununua Bima za afya?

... Moja ya health insurance niliyokuwa nayo inanilipia % fulani kama nikiumwa na nikifa basi mrithi wangu au wazazi wanalipwa 50,000EUR

Hao Watanzania wanakufa kwa kukosa matibabu?

Hebu taja, kama hujali, hiyo kampuni inayouza "health insurance" ambayo inalipa hela ukifa!

 

[Aluta]

Hao Watanzania wanakufa kwa kukosa matibabu?

Hebu taja, kama hujali, hiyo kampuni inayouza "health insurance" ambayo inalipa hela ukifa!

Anyway, sidhani kama mtu anaweza kufa kwa kukosa matibabu, na issue si kwa watanzania tuu bali ni muhimu kwa foreigners wote; ndio maana baadhi ya nchi sasa wameweka sheria lazima foregners wote wawe na health insurances; kama huna hawakupi residence permit. Na kwa maoni yangu hata kama utapata matibabu bado utakuja kupata bill kubwa kufidia hayo matibabu na kama mtu ukiwa na insurance inaweza ikakusaidia sana.

Kuhusu ni kampuni gani inayolipa hela kama ukifa nyingi ya kampuni hizi zipo nchi za ulaya, ila wanakuwa na kipingamiza kuwa lazima usiwe na temporally residence permit; kwa maana kuwa uwe na Social insurance ya nchi hiyo tayari.Hii inakuwa kama additional insurance in my point of view! Ila cha msingi makampuni ya bima nadhani yapo mengi na policies tofauti.

 

[Kuhani]

Anyway, sidhani kama mtu anaweza kufa kwa kukosa matibabu...

Kuhusu ni kampuni gani inayolipa hela kama ukifa nyingi ya kampuni hizi zipo nchi za ulaya, ila wanakuwa na kipingamiza...

Aluta, Aluta, Aluta,

Umedai "...Moja ya health insurance niliyokuwa nayo inanilipia % fulani kama nikiumwa na nikifa basi mrithi wangu au wazazi wanalipwa 50,000EUR..."

Sasa, nisaidie, ni kampuni gani hiyo inayouza "health insurance" inayolipa hela ukifa!

Umesema hizo kampuni nyingi ziko Ulaya, basi taja kampuni moja, kama hujali, na kama unaijua. Na lazima ujali, manake si unahimiza watu wafikirie swala la kununua health insurance maana "...utakuja kupata bill kubwa...na insurance inaweza kukusaidia." Unatujali. Na ni lazima unaijua, maana ni kampuni unayoitumia wewe mwenyewe. Sasa, itaje.

Na ukasema "Nimekuwa nikisoma mara kwa mara kwenye mitandao mbalimbali habari za vifo vya Watanzania wenzangu nchi za nje...Je' ni Watanzania wangapi wana utamaduni wa kununua Bima za afya?"

Sasa, hivyo vifo hivyo, vilivyokugusa ukavitumia kwenye himizo kuwa watu wafikirie swala la "heath insurance," vilisababishwa na marehemu, kabla ya kufariki, kukosa matibabu kwa kutokuwa na health insurance?

 

[Binti Maringo]

Aluta atakuwa anamaanisha Life insurance so yeye akasema Health insuranceambayo hata kama hujaajilwiwa unaweza ukanunua na kulipia mwenyewe out of pocket and it very cheap consider kampuni kama Prudential wanatoa life insurance na ni very affordable....
Fo health insurance kulipa mwenyewe bila ya kampuni kukusaidia ni very expensive unaweza ukawa unalipa $100.00 or more per month while thru kampuni wanatoa thru your paycheck and its less than hiyo $100.00 a month...for life insurance unaalipa $20.00 or so less per month inategema though na hisa yako inakuwa kiasi gani per year kila mtu ananunua na amount ambayo anaweza kulipia...

 

[Kuhani]

Aluta atakuwa anamaanisha Life insurance...

Kelly, ina maana hii "life insurance" ya Aluta hii inamlipa akiumwa pia! Angalia alivyosema:

"...Moja ya health insurance niliyokuwa nayo inanilipia % fulani kama nikiumwa na nikifa basi mrithi wangu au wazazi wanalipwa 50,000EUR..."

Ha haaaaaa aaaa

Sasa, Kelly, ukitetea visivyoteteeka, ikaja kuwa huyu act, Aluta, katunga, atakuingilia mitini sasa hivi. Naona hapo juu kachomoa! Kampuni yake iliyomuuzia insurance hataki kutaja wakati anahimiza watu wanunue insurance! Ha a aaaaaaa aaaaaa E bwana hapa kuna watu wanachekeshaaaa haaaaaaaaaa.....

Ngoja tumsubiri arudi kueleza vizuri, na hili la ku suggest kwamba Watanzania walio ng'ambo wanakufa kwa kukosa bima ya afya.

By the way, Kelly, mchongo wa life insurance za Prudential sidhani kama kuna mtu haujui. Every couple and their cousins wana vi home office vyenye vibao vya bluu nje kwenye majani wanauza insurance za Prudential.

Mimi nataka kujua hii "health insurance" ya Aluta inayolipa hela ukifa!

 

[Aluta]

https://www.pohjola.fi/NR/rdonlyres...mvdqbt2ni7xjskk33i3djwhlghh2l2xng/1017171.pdf


Nashukuru kwa kunisaidia Kelly01. Niliwahi nunua kampuni hiyo hapo juu; (link). Ila kuhusu vyanzo vya vifo Kuhani siwezi nikakujibu direct apart from natural causes like sickness, accidents etc. Sidhani kama mtu anaweza kosa matibabu kwa kukosa health insurance sababu unaweza lipa cash nakupata treatment!

 

[Binti Maringo]

Kelly, ina maana hii bima ya maisha ya Aluta hii inamlipa akiumwa pia!

"...Moja ya health insurance niliyokuwa nayo inanilipia % fulani kama nikiumwa na nikifa basi mrithi wangu au wazazi wanalipwa 50,000EUR..."

Ha haaaaaa aaaa

Sasa, Kelly bin 01, ukitetea visivyoteteeka, ikaja kuwa huyu act, Aluta, katunga, atakuingilia mitini sasa hivi. Naona hapo juu kachomoa!

Ngoja tumsubiri arudi kueleza vizuri, na hili la ku suggest kwamba Watanzania walio ng'ambo wanakufa kwa kukosa bima ya afya.

By the way, Kelly, mchongo wa life insurance za Prudential sidhani kama kuna mtu haujui. Every couple and their cousins wana vi home office vyenye vibao vya bluu nje kwenye majani wanauza insurance za Prudential.

Mimi nataka kujua hii "health insurance" ya Aluta inayolipa hela ukifa!

Kuhani ndiyo maana nikasema labda anaongelea Life insurance maana mimi binafsi sijawahi kuona health insurance inalipa hela kwa mtu aliyekufa...to my knowledge health insurance ni kwa mtu mgonjwa na hiyo ni inakusaidia kulipa % fulani ya malipo yako kama kumuona dr,kulazwa na pia kwenye mambo ya kupata Dawa....

Inawezekana kijana Aluta alighafikirika labda badala ya kusemaLife akatumia Health..au sijui yupo kwenye dunia gani amabyo wanatoa such service au lah sijui hiyo research yake kaitolea wapi!.

Oh well Kuhani unajua siyo kila mtu anajua hiyo issue ya prudential aisee kuna wengine hata hawana fikira za kununua life insurance wako radhi hiyo $20.00 aende akainywee beer i mean kufanya ny kind of starehe lakini siyo kuwekeza kwenye such impostant things...Which Prudential wanatoa service nzuri sana and very affordable kama kuna mtu hana me i will suggest them to get it for really...Life insurance is very important.

 

[Aluta]

Ila hapo 50,000Eur niliteleza..weka 5,000Eur (Accident insurance), na kama nikipata ajali na kupata kilema basi watalipa 30,000Eur...Bado nachekesha au?

 

[Aluta]

Na ni kweli nilichanganya Health insurance and Life insurance; hizo 50,000Eur ni medical cost it can cover!

 

[YE]

ni afadhali umekuwa mtu na kujisahihisha kabla ya wadau hawajakurukia.
Kuddo's to you!

 

[Kuhani]

Nilikuwa nasoma "PDF policy" yako, sikujua kuna new developments huku, never mind Aluta!

 

[Yo Yo]

No, sasa huchekeshi, unaanza kukasirisha! Kwa sababu inawezekana unatunga.

Policy "yako" inasema hivi: "The sums insured for handicap and death benefits are a maximum of EUR 20,000."

Wewe ulipata wapi figure ya EUR 50,000? Na hiyo "accident insurance" sio inayolipa mafao wakati wa kifo. Hiyo, kwa mujibu wa PDF policy "yako" ni death benefit insurance" ambayo inalipa maximum hiyo ya Euro 20,000, page six of "your" PDF policy.

Sasa sijui ulipata wapi hizo figure zako.

By the way, life insurance na health insurance zako ni vitu viwili tofauti kwa mujibu wa PDF policy "yako."

Inasema hivi:

"You can select the type of insurance and compensation you wish to include in your Extrasure cover according to your needs. You may, for example, choose medical expenses indemnity under medical treatment expenses insurance, handicap benefit under accident insurance, and death benefit under life insurance."

Si umeshajua mku mjibu basi swali au duku duku lake.......

 

[Binti Maringo]

Jamani muoneeni huruma Aluta amejichanganya...alikuwa a little bit confused btwn life and health insurance...he/she did admit kuwa he/she meant Life insurance and not health!...

 

[Nyani Ngabu]

ni afadhali umekuwa mtu na kujisahihisha kabla ya wadau hawajakurukia.
Kuddo's to you!

Ebana we acha tu.....ole wako na wewe siku ukosee....utakiona cha mtema kuni na utajuta kwa nini ulijiandikisha hapa

 

[Nyani Ngabu]

Si umeshajua mku mjibu basi swali au duku duku lake.......

Na wewe shauri yako...angalia usije ukarukiwa

 

[Nyani Ngabu]

Jamani muoneeni huruma Aluta amejichanganya...alikuwa a little bit confused btwn life and health insurance...he/she did admit kuwa he/she meant Life insurance and not health!...

Sidhani kama Aluta anataka sympathy na sidhani kama kuna haja ya kumwonea sympathy...keshakiri alikosea kidogo.....basi watu waendelee na mjadala....

 

[Quemu]

Kuhani

Wakati mwingine huwa unabomoa, badala ya kujenga. Angalau uwe unaacha room ya kukosea basi. I mean, sisi sote tu binadamu....tunakosea!!

 

[Nyani Ngabu]

Kuhani

Wakati mwingine huwa unabomoa, badala ya kujenga. Angalau uwe unaacha room ya kukosea basi. I mean, sisi sote tu binadamu....tunakosea!!

Kama ulikuwa hujawahi kuona binadamu aliye "perfect"....well....look no further!

 

[Binti Maringo]

Sidhani kama Aluta anataka sympathy na sidhani kama kuna haja ya kumwonea sympathy...keshakiri alikosea kidogo.....basi watu waendelee na mjadala....

True True!...

Hivi kwa wale waliofanyaga kazi Tanzania enzi hizo kuna kitu kilikuwa kinaitwa Wadu (sijui kirefu chake)...is wadu same as 401K?!..Nilishafanyaga kazi temp kwenye bank moja hivi wakati nasubiria matokeo ya shule nikaonaga hiki kitu nikaw anajiulzia lakini nimekosa jibu baada ya kuona 401k huku.

As far as i remember wadu walikuwa wanatoa % ya hela kutoka kwenye paycheck yako and you can withdraw that amoutn after 2 years na pia ina interest..it sound similar to 401k to me...labda mtu afafanue kidogo.