"Alfred Molon" kirjoitti
viestissä:MPG.212ab3c1e4e897fa98b660@news.supernews.com...
In article <2g0wi.206590$ms3.118095@reader1.news.saunalahti.fi>, Markku
Grönroos says...
> You are still
> fully covered by insurance in Germany but not so in the South East Asia. I
> mean when things are not going as planned.
Right, the German insurance does not cover treatments in SE Asia, but
even in Germany it does not cover everything. You would go to SE Asia
for expensive dental procedures not covered by the health insurance in
Germany.
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Naturally I cannot say I know better than you do about the design of the
German health care system. However, I am inclined to believe that when
corrective health care is needed, in Germany you are provided this by some
small fee. I assume you don't pay according to the general dental rates (in
the case it would be in the province of a dentist) but to the national
health care policy. This can be quite crucial difference. Let's assume the
worst: you lose your ability to work and hence your capacity to support your
family is more or less reduced. I am certain in Germany the limit for
liability is very high in such a case while there is a chance that the
insurance of a Thai or Malaysian dentist is very poor in this respect (I
don't say that in such a case national health care insurances wouldn't
provide any help but I find a high risk that it would be less extensive).
Naturally we face risks all the time. However, dental health is so vital
that I would avoid risks as far as possible. Similar problem we have in
Finland. Most adults (especially in larger municipalities) must rely on
private clinics. You pay fully on the treatment and afterwards you can claim
a refund from the national insurer. It should be possible for everyone to
attain dental services in "public clinics and fees" but this is pretty much
a theoretic alternative for many.
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