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ادامه ی سوالات و بحث بر سر آن!
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در مورد بیمه من فکر میکردم وقتی رو لینک کلیک کنم یه چیزی میگه در حد اینکه بیمه ی مسافرتی چه میدونم AXXA این جور چیزا باشه...ولی قضیه به نظرم پیچیده تره!
من به جز اینکه دانشجو باید هر سه ماه 49 یورو بده نفهمیدم...اصلا مگر این موارد بیمه و تعهد پرداخت هزینه ی خودت جزو مواردی نیست که باید بعد از پذیرش گرفتن مطرح بشه....اینا چرا از الان مطرح می کنند؟
این هم لیست طولانی موارد بیمه
Insurances for foreign students - guideline
Non-E.E.A. insured (except Switzerland)
You are legally obliged to have a health insurance during your stay in Belgium ( for you and your family members staying in Belgium)!! You will have to approach a health fund (**) directly, immediately upon arriving in Belgium; this health fund will examine your specific situation; in some cases, an E111-/E128 form will be possible for non-E.E.A. nationals, too; in most cases, however, it will be necessary for you to obtain health insurance cover from the health fund for himself/herself and for the members of his/her family residing in Belgium:
you need to pay the premium yourself!
the health fund will normally not require any waiting period;
to be able to register with the health fund as a student, the student must be able to present to the health fund a certificate of enrolment as a student at the Ghent University.
as per January 1, 2009, according to the information available at the Legal Department of the Ghent University, the following rates are in force for any enrolment as a student: legal contribution 49.88 Euro per quarter + health fund membership contribution (mostly 5 Euro per month). For the correct amounts you have to contact the health fund!
as soon as the student will be in a position to produce proof of his/her registration with the register of foreigners (can take quite some time) as well as of a stay of more than three months in Belgium, and has signed a statement of his/her income, he/she may request the health fund, in principle, to be registered as a “resident” (also referred to as “party entitled according to the national register”); the following rates are in force as per January 1, 2009 for a “ registration as a resident” according tot the information available at the Legal Department of the Ghent University (but: for the correct amounts and conditions you have to contact the health fund!):
Registration as resident
Legal contribution
Health fund membership contribution
Joint family income on an annual basis, less than 11,384 Euro
0 Euro per quarter
In most cases 5 Euro per month
Joint family income on an annual basis, more than 11,384 Euro but less than 14,624 Euro
53.40 Euro per quarter
In most cases 5 Euro per month
Joint family income on an annual basis, more than 14,624 Euro but less than 30,215 Euro
314.97 Euro per quarter
In most cases 5 Euro per month
Joint family income on an annual basis, more than 30,215 Euro
629.96 Euro per quarter
In most cases 5 Euro per month
as soon as the student will be in a position to produce proof of his/her registration with the register of foreigners (can take quite some time) as well as of a stay of more than three months in Belgium, and has signed a statement of his/her income, he/she may request the health fund, in principle, to be registered as a “resident” (also referred to as “party entitled according to the national register”); the following rates are in force as per January 1, 2009 for a “ registration as a resident” according tot the information available at the Legal Department of the Ghent University (but: for the correct amounts and conditions you have to contact the health fund!): health funds will not charge, in principle, any extra rate for possible family members;
if the health fund refuses (possibly on a temporary basis) to register any student, then this student you will need to subscribe the combination insurance (MARSH – fill in the form to subscribe this insurance), which covers as well health (sickness and disability) as civil liability in private life and travel insurance; you need to pay the premium yourself! It is not possible to subscribe a separate health insurance, because the premium for the separate health insurance is the same as the premium for the combination insurance.
(only if you did not subscribe the combination insurance (MARSH)) You are not obliged, but we recommend you strongly to subscribe also the insurance for civil liability private life (ETHIAS, fill in the form (20KB) to subscribe this insurance). This insurance may be important in case of a bicycle accident, as a pedestrian, in the weekend, … you need to pay the premium yourself! Attention: if you subscribe the combination insurance (MARSH), you do not need to subscribe the apart insurance for civil liability private life (ETHIAS), because these risks are already included in the combination insurance.
(only if you did not subscribe the combination insurance (MARSH)) You are not obliged, but we recommend you strongly to subscribe also the insurance for travel assistance (VANBREDA RISK & BENEFITS, fill in the form to subscribe this insurance). This insurance is for example important when you need to be repatriated to your country of origin or if you need to return prematurely to your country of origin because a relative had died. you need to pay the premium yourself!Attention: if you subscribe the combination insurance (MARSH), you do not need to subscribe the apart insurance for travel assistance (VANBREDA RISK & BENEFITS), because these risks are already included in the combination insurance.
Through your enrolment as a student, you will be insured by the Ghent University automatically as regards your “physical accidents during university activities”.
Through your enrolment as a student, you will be insured by the Ghent University automatically as regards your “civil liability during university activities” (which does not include, however, the journey to and from such university activities).
If you rent a property for you accommodation in Ghent, the landlord will normally oblige you to subscribe a so-called fire insurance to cover your responsibility concerning fire and related dangers as well as electrical and water damage (in some contracts the landlord subscribes himself this insurance, but you as the tenant has to pay your share in the costs; so, it is important to read well your rent/ lease contract). Moreover we recommend you to contact an insurance company to subscribe an insurance for your personal belongings (it is not possible to subscribe such a policy via the Ghent University; you need to approach yourself an insurance company).
بعد هم در آخر یه لیستی از limited list of authorised health funds in Ghent داده...
در صفحه ی اصلی برای بیمه برای دانشجویان نوشته:
Insurances for international guests
1. Personnel, (post)docs & students coming to Ghent University
بعد در مورد اول نوشته فرم و وقتی میری یه عالمه انواع فرم گذاشته،آدم واقعا گیج میشه
http://www.ugent.be/en/prospectstud/...hent/forms.htm
اینم انواع اون فرم ها:
Combination insurance - claim form - for medical expenses for less than 250 EUR (doc - 53KB)
Combination insurance - claim form - for medical expenses from 250 EUR (doc - 131KB)
Combination insurance: health + private life civil liability + travel insurance - request form
Information (post-)doctoral students
Physical Accidents during university activities - request form (pdf-75KB)
Travel insurance - claim form (pdf - 575KB)
Travel insurance - request form
ما باید مورد آخر رو پر کنیم؟!معمولا کشورهای دیگه فقط قبل از ورود به کشور بیمه ی مسافرتی میخان....لی وقتی میری توش وارد یه صفحه ای میشه که ازت نام کاربری و رمز عبور میخاد!
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