Di negeri Belanda asurani untuk perawatan gigi juga terpisah dari perawatan kesehatan badan yang lain..Lagi pula sistem asuransi kesehatan di negeri Belanda itu rada ruwet karena persaingan antara perusahaan asurani amat sengit..
Yang jelas tahun depan kayaknya preminya bakal lebih tinggi dari tahun yang lalu dan beberapa rawatan preventif yang dulu diganti perusahaan asurani tahun depan mungkin kudu bayar sendiri. Sekarang ini bayangin enaknya: kadar glucose dan HbA1c orang yang berusia diatas 65 tahun jadi menurut statistik berkemungkinan diincer diabetes type 2 boleh diperiksa sekali 6 bulan, juga bisa minta nasehat dietist sekali 3 atau 6 bulan dan nasehat perawat ahli diabetes sekali 3 atau 6 bulan..Karena orang berusia 65 tahun juga diincer penyakit tekanan darah tinggi maka bila ada sedikit saja gejala tekanan darah rada nanjak, maka sekali 6 bulan atau sekali setahun tekanan darah diukur selama 24 jam dengan ABPm Saya sungguh merasa nyaman diberitahu tiap kali bahwa kadar glocose dan HbA1c saya jauh berada dibawah 6 dan tiap kali dietist bilang apa yang terlalu banyak saya makan bulan sebelumnya (seperti protein) berdasarkan analisa laboratorium hingga saya bisa menyesuaikan menu saya..atau bahwa tekanan sistolik saya tetap jauh berada dibawah 140..Dan dikit-dikit dapat kolonoskopi.. (Di Perancis saya dengar orang yang berusia 50 tahun dapat kolonskopi tiap tahun..). Mata juga diperiksa tiap 6 bulan atau tiap tahun..Kerang gigi dikorek tiap enam bulan dan tiap 6 bulan kontrol kesehatan gigi (lobang atau kesehatan gusi...) Dan in berlaku untuk tiap penduduk Belanda, juga untuk gelandangan, karena gelandangan juga wajib punya asuransi kesehatan yang preminya diberi subsidi oleh jawatan pajak... --- In proletar@yahoogroups.com, "Teddy S." <teddyr@...> wrote: > > Biaya perawatan gigi memang tidak / belum ditanggung oleh Medicare. > Penggantian bianyanya diberikan bagi yang membayar asuransi kesehatan > pribadi. Bagi yang punya pendapatan sebaiknya memiliki asuransi ini karena > Pemerintah mengembalikan 30% biaya melalui pengembalian pajak. > > > --- In proletar@yahoogroups.com, "Bukan Pedanda" <bukan.pedanda@> wrote: > > > > > > Sekedar perbanding berbagai welfare states. Lihat petanya dan perbedaan > > warnanya.. > > > > Australia memang termasuk yagn bagus tapi belum sebagus beberapa negeri > > Eropa Utara. > > > > > > http://en.wikipedia.org/wiki/Welfare_state > > > > --- In proletar@yahoogroups.com, "Teddy S." <teddyr@> wrote: > > > > > > Berlainan dengan keadaan di AS di mana harga propertinya jatuh tajam, di > > > Australia terjadi kebalikannya. Australia menerima ratusan ribu tenaga > > > trampil tiap tahunnya yang telah terseleksi dengan baik dan sekarang yang > > > banyak datang adalah orang-orang asal RRC dan India dengan sebelumnya > > > berdasarkan statistik mayoritas yang datang adalah orang-orang asal > > > Inggris. Mereka ini akan memerlukan tempat tinggal, sementara Pemerintah > > > Australia tidak terlibat dalam pembangunan rumah baru. Dengan adanya > > > 'negative gearing' maka orang banyak bisa terlibat dalam pengadaan > > > rumah-rumah baru bahkan menjadi milyuner dengan dimilikinya sedemikian > > > banyak rumah yang disewakan. > > > > > > Ada berita yang cukup menyesakan para pensiunan di mana para pengungsi > > > asal manusia perahu ditampung dalam hotel-hotel mewah di Queensland > > > dengan masing-masing orang masih menerima lagi uang saku sebesar A$ 400 > > > per minggu. Berita semacam ini tentunya akan menyebabkan semakin > > > banyaknya perahu-perahu pengungsi berdatangan. > > > > > > Ibu saya memegang kartu Medicare hingga segala biaya rumah sakit gratis. > > > Beliau baru saja menyelesaikan 3 kali prosedur ERCP untuk mengambil > > > batu-batu empedu dengan tanpa membayar sedikitpun juga. Yang mahal adalah > > > biaya parkirnya yang A$ 19 setelah lewat 3 jam. Dengan adanya kartu > > > konsesi Commonwealth Seniors Health Card, maka tiap resep dokter bisa > > > ditebus dengan hanya membayar A$ 5,60 saja. Disamping itu dalam beberapa > > > tahun lagi ibu saya sudah berhak untuk menerima santunan pensiun, padahal > > > ibu saya sebelumnya tidak pernah membayar pajak di Australia. > > > > > > Bekas kolega saya yang lulusan IIT Roorkee menyatakan betapa beruntungnya > > > tinggal di Australia yang aman dengan anak-aank bisa tumbuh dan > > > berkembang secara optimal. Orang ini dulunya pernah bekerja pada Alcatel > > > Jerman selama beberapa tahun. > > > > > > Dalam berbagai survai posisi Australia selalu menempati > > > peringkat-peringkat terbaik, jadi tampaknya benar juga bahwa Australia is > > > the lucky country. > > > > > > > > > --- In proletar@yahoogroups.com, Harry Adinegara <sans_culotte_30@> wrote: > > > > > > > > Living in the lucky country or......are we afterall spoilt? > > > >  > > > > Memang terasa saat ini apa2 ,kebutuhan se-hari2 naik, begitu juga yang > > > > aku rasakan rumah yang kami beli 17 tahunan yang lalu > > > > sekarang dipasaran melonjak 3X.Properti , rumah hunian disini arealnya > > > > lebih gede ketimbang di Amerika. Wide open spaces... > > > > memang aku rasakan ketimbang misalnya di Jerman (dimana aku pernah > > > > tinggal), banyak taman2 luas yang teratur rapi dan bersih, > > > > ini dapat ditemui disetiap kota diAustralia. > > > >  Kenaikan keperluan hidup se-hari2 ini diakibatkan a.l.  karena > > > > nilai tukar dollar Aussie lebih tinggi dibanding dengan US $. Saat ini > > > > rate-nya 1Aus$= 1.03US$, selang beberapa waktu mencapai 1A$=1.10 US$. > > > > Mungkin juga nilai tukar terhadap rupiah akan naik juga. > > > > Ngak salah lah, aku sering katakan Australia bak.....heaven on earth. > > > > Yang patut di banggakan yalah santunan terhadap kemaslahatan > > > > rakyatnya bisa dikatakan tertinggi di dunia, social security no 1. > > > > SDA Australia melimpah ruah, hasil export ini bernilai ber-billiun2 > > > > dollar setahun-nya , semuanya kembali untuk merawat kemaslahatan-nya > > > > rakyat banyak, > > > > bukan di tilep oleh pemimpin2nya. Pikir2 bila dibanding dengan > > > > Indonesia benua Australia itu bukan apa2-nya, SDA,SDM di Indonesia > > > > melimpah > > > > ruah, tapi "berkat" mismanagement makanya  negara jadi deldel duwel, > > > > yang kaya ...tambah kaya yang miskin ....makan sekali sehari sudah > > > > dibilang mujur. > > > >  > > > > Harry Adinegara > > > >  > > > >  > > > >  > > > > Subject: Living in the Lucky country comes at a cost. > > > > > > > > Living in the Lucky Country comes at a cost > > > > October 19, 2011, 4:23 pm By Michael Yardney Yahoo!7 > > > > For me, there is no question that we are indeed a very lucky country > > > > â" many would even suggest we are "spoilt". > > > > * > > > > Michael Yardney is a director of Metropole Property Strategists who > > > > create wealth for their clients through independent, unbiased property > > > > advice and advocacy. Michael has often been called Australia's leading > > > > expert in wealth creation through property and his opinions have been > > > > featured in major newspapers and magazines throughout Australia.Full > > > > Bio » > > > > Sydney and Melbourne both now have the dubious honour as two of the top > > > > ten most expensive cities in which to live according to the Worldwide > > > > Cost of Living 2011 Survey, conducted by the Economist Magazine's > > > > Intelligence Unit (EIU.) > > > > And while some media outlets are having a field day with the negative > > > > implications such as the rising cost of living, more families > > > > struggling financially, households increasingly experiencing mortgage > > > > stress and so on; others are criticising the magazine suggesting the > > > > Economist Intelligence Unit is an oxymoron and should be renamed. > > > > I know I've often disagreed with some of their assessments of > > > > Australian property, but I am happy to agree with a different report, > > > > their Global Liveability Survey, which anointed Melbourne as the > > > > world's most liveable city. > > > > One the best thing about winning the top spot is that Sydney must be > > > > envious only ranking 6th, with Perth and Adelaide ranking joint 8th and > > > > Brisbane lagging the other Australian capitals ranking 21st. (More from > > > > Michael Yardney: Where Are Property Prices Heading?) > > > > What they were measuring > > > > Back to being amongst the most expensive country to live in...firstly > > > > lets understand what they were measuring. > > > > To measure the cost of living the EIU looked at "point of sale" prices > > > > for more than 160 everyday consumer items in 140 major cities around > > > > the world, and then ranked each city according to its cost of living. > > > > According to this study, Sydney and Melbourne ranked sixth and seventh > > > > as the most expensive places to live, while Perth and Brisbane just > > > > failed to make top ten status, coming in at 13th and 14th place. This > > > > is in stark contrast to a decade ago, when Sydney and Melbourne were > > > > ranked as the 71st and 80th most expensive cities, and Perth was in the > > > > 91st position and Brisbane was 93rd. > > > > Two major reasons > > > > There are two major reasons why a city's cost-of-living index will > > > > change over time: exchange rate movements and price movement. > > > > The report explains that the remarkable rise in the cost of living in > > > > Australian cities over the last decade, came at a period in which the > > > > value of the Australian dollar has moved from around 50 US cents to > > > > passing parity with the US dollar. > > > > Essentially, if the local currency strengthens or inflation pushes up > > > > the price of goods increase (both of which have occurred here since > > > > over the last decade), the relative cost of living will also rise. > > > > (More from Michael Yardney: Treat Your Property Investment Like A > > > > Business) > > > > There's no sugar coating it > > > > There's no sugar coating it...the cost of living and property prices > > > > are expensive in Australia, but for a good reason when you consider our > > > > general economic wealth, our ever expanding population and all the new > > > > development struggling to keep up with the escalating demand. > > > > However rather than focusing on the prospect of paying more for the > > > > Australian way of life (which, let's face it, won't change the price of > > > > our groceries or real estate), perhaps we should take a different > > > > perspective. > > > > You probably believe in the old adage - you get what you pay for â" > > > > right? > > > > The lucky country > > > > So doesn't it go without saying that if you want to live in what most > > > > people perceive as "the lucky country", then you're going to have to be > > > > prepared to pay for living in the best place on the planet! > > > > In other words, we need to be prepared to pay more for our higher > > > > standard of living comes at a premium. For the privilege of enjoying > > > > our relatively clean environment, low unemployment, stable economy and > > > > larger homes clustered around major coastal cities. > > > > Now while we might feel a little hard done by and, on occasions, whinge > > > > about the significant increase in house prices, rents and our grocery > > > > bills, consider the residents of those countries that came in last. > > > > (More from Yahoo!7 Finance: Six Investing Rules From The World's Top > > > > Investors) > > > > We are spoilt > > > > Would you really like to reside in the likes of Pakistan's Karachi, the > > > > cheapest place to live and work where the cost of living is less than > > > > one-third of that of Tokyo? Or what about the infamous Indian cities of > > > > Mumbai and New Delhi, where poverty is rife and the rate of > > > > homelessness is through the roof? > > > > Rounding out the bottom ten on the cost of living index are cities > > > > dotted throughout the troubled Middle East and North Africa, with the > > > > low cost of living in these parts driven by a mix of weakened > > > > currencies, low levels of development and, in some cases, price > > > > controls and subsidies in staple goods. > > > > For me, there is no question that we are indeed a very lucky country > > > > â" many would even suggest we are "spoilt". After all, we enjoy a glut > > > > of wide open spaces, comparatively clean beaches, jobs for those who > > > > want to work, homes with all of the modern conveniences we've come to > > > > expect, excellent investment opportunities there for the taking and a > > > > world leading economy. > > > > At the end of the day, I guess you really do get what you pay for! > > > > Oh - one last thought... > > > > If we are widely recognized as the most liveable country in what is > > > > fast becoming an increasingly inhospitable world, would-be residents > > > > will be beating a path to our door and we'll end up with a big > > > > Australia after all. > > > > Where are we going to put all those people? > > > > Don't get me wrong â" I think we need a growing population to support > > > > our economy and replace our retiring Baby Boomer workforce. In the > > > > words of a famous past Prime Minister â" we must populate or perish. > > > > Christopher Joye, director of Rismark estimates that Australia will > > > > likely have to absorb 2.3 million additional households over the next > > > > 15 years alone. BIS Shrapnel estimates that this translates into a new > > > > home building requirement of about 3 million properties once you > > > > account for demolitions and the historical share of unoccupied homes > > > > (e.g., holiday houses, etc). > > > > There is no doubt that this substantial increase in population will > > > > bring with it many social, political, infrastructure and environmental > > > > concerns. > > > > The fact is that our politicians must make some hard decisions and > > > > start investing in improving our infrastructure so we can have the > > > > sustainable growth that will ensure we remain the lucky country. (More > > > > from Yahoo!7 Finance: Buying vs Renting â" Which Will Make Wou Richer?) > > > > Michael Yardney is a director of Metropole Property Strategists who > > > > create wealth for their clients through independent, unbiased property > > > > advice and advocacy. He is best-selling author, one of Australia's > > > > leading experts in wealth creation through property and writes the > > > > Property Update blog. Subscribe today and you'll receive a free video > > > > training â" The Golden Rules of Property Investment. > > > > More from Yahoo!7 Finance: > > > > > > > > [Non-text portions of this message have been removed] > > > > > > > > > > ------------------------------------ Post message: prole...@egroups.com Subscribe : proletar-subscr...@egroups.com Unsubscribe : proletar-unsubscr...@egroups.com List owner : proletar-ow...@egroups.com Homepage : http://proletar.8m.com/Yahoo! 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