ႏို္္င္ငံတိုင္းလူတိုင္းအတြက္ မရွိမျဖစ္တဲ့ က်န္းမာေရးအာမခံစနစ္ေလးေတြပါ.....
အမိျမန္မာျပည္က ေရႊေတြအတြက္ က်န္းမာေရးအာမခံေတြေပးထားတဲ့ ဒီ၀လ္ဆိုဒ္ကိုေတြ႕လို႔ သတင္း
ေကာင္းေလးအျဖစ္တင္တင္ေပးလိုက္ပါတယ္.. သူက ႏိုင္ငံအေတာ္မ်ားမ်ားကို က်န္းမာေရးအာမခံေပးထားတာကိုေတြ႕ရတယ္ဗ်...
ျမန္မာျပည္တြင္းကလူေတြ ၀ယ္လို႔ရတဲ့ ႏိုင္ငံတကာကက်န္းမားေရးအာမခံေလးပါ.....သူက ျဗိတိန္အေျခ
စိုက္ ျဖစ္ၿပီး အာရွရံုးခြဲက ေဟာင္ေကာင္မွာပါ..
ဒီက်န္းမာေရးအာမခံက မရွိဆင္းရဲသားေအာက္ေျခလူတန္းစားေတြအတြက္ အလြန္တရာမွ အေရးႀကီးပါ
တယ္...ဒါလဲ ႀကံဳဖူးျဖစ္ဖူးတဲ့လူေတြမွ အနည္းအမ်ားအေထာက္အကူျဖစ္ေစပါတယ္၊
ဥပမာ- ကၽႊန္ေတာ္ေရတိမ္ျဖစ္လို႔ ခြဲစိ္တ္တုန္းက ၀န္ထမ္းဆိုေတာ့ ေငြမစုမိပါဘူး! အဲ! ေဆးရံုတက္ခြဲရမယ္ဆိုေတာ့ ျပာေနတာေပါ့... ဒါေပမဲ့ က်န္းမာေရးအာမခံေလးႏွင့္ CPF ေလးရွိလို႔တာေပါ့ဗ်ာ....
ဒီမွာဖတ္ၾကည့္လိုက္ပါ...http://asnkonge.blogspot.sg/2013/04/insurance-calim.html
ေလာေလာဆယ္ အၾကမ္းဖ်င္းဘဲ ရွင္းျပပါမယ္.. က်န္းမာေရးအာမခံမွာ အမ်ိဳးမ်ိဳးရွိပါတယ္၊ မိမိမိသားစုအုပ္စုလိုက္ ႏွင့္ တဦးခ်င္းဆိုတာရွိပါတယ္.. ေနာက္ၿပီးပုံမွန္ရိုးရိုးႏွင့္ Premiums ရွယ္ဆိုတာလဲရွိပါေသးတယ္၊
ေနာက္ၿပီးအသက္အရြယ္ေပၚမူတည္ၿပီးေစ်းကြာျခားပါတယ္ အသက္ငယ္ရင္ေစ်းႏႈန္းေပါတယ္၊
အသက္ၾကီးရင္ ေစ်းႏႈန္းႀကီးတယ္...
ဥပမာ....
(၁) ပုံမွန္ ရိုးရိုးမိသားစုအုပ္စုလုိက္အာမခံကို ေတာ့ မိမိလက္ရွိက်န္းမာေရးအေျခေနေဆးစာေတြလိုပါတယ္ ၊ မိမိေရာဂါႏွင့္ဆက္ႏြယ္ကုန္က်စရိတ္ေတြကို ေလွ်ာ္မေပးပါဘူး တျခား ကုန္က်စရိတ္ကိုလဲ တ၀က္
ေလာက္ဘဲေလွ်ာ္ေပးပါတယ္၊ ဒါေၾကာင့္ ႏွစ္စဥ္ေၾကးကလဲနည္းတတ္ကတယ္ $ ၂၀၀ ပတ္လည္ေလာက္ပါဘဲ ၊
(၂) Premiun ရွယ္ကေတာ့ေစ်းႀကီးတယ္ ႏွစ္စဥ္ေၾကး ၄ဆ၅ဆမ်ားတတ္ပါတယ္!$၁၀၀၀ ေလာက္ရွိ
တတ္ပါတယ္ သူက ေတာ့ကုန္က်စရိတ္ အကုန္လံုးျပန္ေပးပါတယ္၊ ဘာက်န္းမားေရးေဆးစာေတြ
ေဆးစစ္တာေတြ မလိုပါဘူး။ ဘာေရာဂါဘဲရွိရွိရပါတယ္...ဒါက အၾကမ္းဖင္းေျပာျပတာပါ...
အေသးစိတ္ကမိမိတို႔ ၀ယ္ယူထားတဲ့ စည္းမ်ဥ္းစည္းကမ္းသေဘာတူတဲ့ အေပၚအေလွ်ာ္အစားရွိက်တာပါ...
အခု ႏုိုင္ငံတကာာအာမခံအေမရိကန္အေျခစိုက္ AIA လဲ ရံုးခန္းလာဖြင့္ေနၿပီလို႔ၾကားပါတယ္..တျခား ကေနဒါအေျခစိုက္ Manulife ႏွင့္ အဂၤလန္ အေျခစိုက္ Prudential insuane ေတြလဲ လာမယ္လို႔ၾကားပါတယ္...
Contact Pacific Prime
Head Office:
Unit 1-11, 35th Floor, One Hung To Road, Kwun Tong, Hong Kong
If you live and work in Myanmar, then you are very lucky, it is a beautiful country but it is very important to have the right health insurance. Pacific Prime is the world largest distributor of international private medical insurance to individuals and SMEs. In 2013 we were rewarded by Bupa international and IHI Denmark the top Global distributor award, but we don't just work for Bupa and IHI. But we don't just work for Bupa and IHI, in fact Pacific Prime is a leading global distributor for mostly every international private medical insurance companies, so how can we help you ? Well what we would like to do is may be giving you some advises if you are looking for health insurance. Before you can even start to choose a policy, it is crucial to take a sincere examination of your specific situation and needs. Selecting a health insurance policy in Burma, that fits well can be difficult given the profusion of insurance companies available. We offer Burma medical insurance plans from greater than 50 different insurance companies , so should you decide to buy a Burma medical insurance tactics from us, you can anticipate to be presented with numerous good alternatives. The majority of our plans are assured to be renewable forever and ensure insurance globally. This allows you to keep your Burma policy with you and have constant health protection in almost any destination in the world.
Medical coverage expert in Burma
Are you tired of being given recommendations on plans that look like profit the needs of the insurer more than you as the insured person? We are an independent coverage broker who will always put the interests of our clients before the insurance companies that we work with. this means that you are provided with non-prejudiced recommendations about different health insurance plans in Burma that fit perfectly you.
Maternity health insurance policies in Burma
Several plans provide extra protection for maternity. Maternity generally has a waiting time period prior to the insurance is effective and this generally means conceptions can only take place 3 to 12 months after the medical plan starts off.
Chronic condition coverage in Burma
Chronic condition are usually outlined as medical conditions which you do not get well from but only manage and sustain, for instance diabetic issues and bronchial asthma. At present about fifty percent of the worldwide healthcare insurance coverage in the market offer you coverage for chronic conditions. It is essential to understand that the on-going care and administration of chronic conditions in Burma can be quite expensive as this kind of plans supplying this protection are usually far more expensive.
Dental insurance policies in Burma
Some policies supply additional dental protection. Dental insurance is usually of two types: routine dental: polishing, scaling and standard compound fillings, and so on. Major dental: elimination of impacted, buried or un-erupted teeth, elimination of roots, new or fix of bridge work, new or fix of crowns, root canal therapy, dentures, etc.
Medical coverage expert in Burma
Are you tired of being given recommendations on plans that look like profit the needs of the insurer more than you as the insured person? We are an independent coverage broker who will always put the interests of our clients before the insurance companies that we work with. this means that you are provided with non-prejudiced recommendations about different health insurance plans in Burma that fit perfectly you.
Maternity health insurance policies in Burma
Several plans provide extra protection for maternity. Maternity generally has a waiting time period prior to the insurance is effective and this generally means conceptions can only take place 3 to 12 months after the medical plan starts off.
Chronic condition coverage in Burma
Chronic condition are usually outlined as medical conditions which you do not get well from but only manage and sustain, for instance diabetic issues and bronchial asthma. At present about fifty percent of the worldwide healthcare insurance coverage in the market offer you coverage for chronic conditions. It is essential to understand that the on-going care and administration of chronic conditions in Burma can be quite expensive as this kind of plans supplying this protection are usually far more expensive.
Dental insurance policies in Burma
Some policies supply additional dental protection. Dental insurance is usually of two types: routine dental: polishing, scaling and standard compound fillings, and so on. Major dental: elimination of impacted, buried or un-erupted teeth, elimination of roots, new or fix of bridge work, new or fix of crowns, root canal therapy, dentures, etc.
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Company Profile
We are an International Insurance advisor offering a wide range of medical insurance plans which cover: individuals, families, groups, teachers and travelers. We have two principal head offices located in the United Kingdom and Hong Kong along with other offices around the world. We have accumulated experience with insurance over the past 20 years.Burma Health Insurance
Feeling comfortable in the knowledge that if something was to happen to a family member their medical costs will be taken care of, is important to us all. Our expert consultants can advise on the most suitable level of coverage for families, individuals, groups, travelers, and teachers expatriate health insurance.
Quotation
Please fill in this short form if you need more information or a personalized quote. One of our highly trained advisers will get in contact with you via telephone or email within the next 24 hours. If you wish to contact us directly, please click here to visit our Contact page.
Expatriate Health Insurance Burma
Pacific Prime is an expatriate insurance broker specialising in providing overseas medical insurance for Burma nationals living, working or holidaying abroad. If you are a non Burma national and moving to Burma we can also provide plans that meet your specific requirements.
Professional Service you can trust
Pacific Prime Insurance will be with you for the duration of your policy. We offer additional customer services that include claims advice, emergency contact numbers and medical advice lines. We also maintain a comprehensive list of Burma hospitals/doctors. Most of our clients are expatriates so we maintain a list of Embassies in Burma.
As a leading broker of medical insurance in Burma we keep up on the latest insurance trends and Burma Insurance News.
We can offer expatriates in Burma dedicated international health insurance plans that will provide comprehensive coverage in the East and around the world. Plans that we can offer will usually have a number of benefits that a policyholder is able to tailor to suit their specific requirements. With coverage options including out-patient, dental, maternity, and emergency evacuation, you will be assured of receiving the highest levels of quality treatment anywhere in the world.
About Burma
Burma, officially the Republic of the Union of Myanmar, is a largely rural and densely forested country. Myanmar is elongated in shape, sharing its southeastern border with Thailand, northern border with China and western border with Bangladesh. It has a population of approximately 55.4 million people, and an area of 678,500 square kilometres. Myanmar is the world's largest exporter of teak and a large producer in jade, pearls, rubies and sapphires.
Yangon, situated on the south coast of Burma, is the most populated city within the country with just under 4.1 million people. Yangon was the capital city of the country until it was moved to Nay Pyi Taw in 2006. Mandalay, the cultural centre of the country, has more than 1 million people living in its city. Ranking third in population is the capital city of Nay Pyi Taw, with over 936,000 people.
Myanmar's health care system is funded through the Government, private bodies, and external aid. Several government and international organisations have implemented health programs within the country, focusing on the eradication of Tuberculosis, HIV/AIDS, and malaria. Access to primary health care within rural areas remains a serious problem in Myanmar, and has lead to a higher prevalence of disease burden among the rural population group.
Expats living in Myanmar generally attend private health care facilities due to the higher standard of medical care. Due to an increasing demand for higher standards of medical care in the country, over recent years the Myanmar Health Ministry has granted the permission of more private hospitals to be built in the country, mainly within the city of Yangon.
Within the city of Yangon, the Asia Royal General Hospital provides adequate medical facilities including a cardiac diagnostic clinic. The International SOS Clinic, also situated in Yangon, is well equipped with diagnostic, emergency care and general surgery services. The Pun Hlaing International Hospital has international doctors that specialise in cardiology, cardiac surgery, joint replacement surgery, general surgery, and eye cataract surgery. The Pun Hlaing International Hospital also offers adequate diagnostic, emergency care services and a maternity ward. Smaller private clinics in Yangon, offering adequate primary care services, include the Sakura Medical Center and Shwegondine Specialist Center. Private healthcare services are generally very expensive, due to this, expats living in Burma are strongly encouraged to obtain a Burma international medical insurance policy.
In the event of a serious illness or accident, patients may be required to travel to Bangkok for the appropriate level of care. There are reputable hospitals located in Bangkok, including the Bangkok International Hospital offering emergency care with adequate medical facilities and experienced staff. Within remote areas in Burma, medical evacuation may be very difficult and not always possible by air. Travel during the wet season, from June thought to September, can delay an evacuation even further.
International SOS has an emergency evacuation service that is available to expats living in Burma. In the event of an emergency, patients can contact their nearest International SOS clinic, located in Bangkok, 24 hours a day all days of the year. The emergency evacuation teams are experienced and provide air and land transportation services and repatriation services if required.
The costs involved in covering medical treatment and emergency transportation within Burma and to Thailand are very expensive. As such expats in Burma are strongly encouraged to obtain some form of Burma medical insurance, to ensure ease of access to health and medical facilities within Burma and Thailand, including air transportation services.
Tuberculosis (TB), HIV/AIDS and malaria are among the key focuses of the National Health Strategic Plan, put in place by the Burmese Government in order to increase the health status of the population. With poor access to health services in rural communities, TB remains a serious threat ranking the 19th highest TB burden in the world, according to the World Health Organisation. Further to this, the high prevalence of HIV/AIDS in Burma further increases the incidence of TB due to the impact of the disease on the human immune system. Malaria accounts for 23% of medical cases and 42% of deaths in the country. More than 20% of young children die before their fifth birthday, nearly half as a result from malaria.
Burma has one the world's highest rates of HIV/AIDS among the adult population, with the majority of cases among sex workers and their clients, as well as intravenous drug users. Following implementation of international and Government programs, the Ministry of Health has reported a considerable drop in the prevalence of HIV/AIDS from 0.94 percent in 2000 to around 0.61 percent in more recent years.
Malaria infected mosquitos are present in all areas of Burma, but less prevalent in the urban areas of Yangon and Mandalay. Expats living in Burma need to practice safe precautions such as using mosquito nets during the night. Malaria medications, such as Doxycycline, can also help with protection, as well as wearing long sleeved clothing and mosquito repellents. During the wet season, from June though to September, the risk of malaria outbreaks increase, as well as water borne diseases such as Cholera.
Expats living in Burma need to be aware of safe water practices in order to prevent transmission of cholera and other diarrheal infections. Bottled water is recommended, otherwise steralisation can be achieved through boiling or chlorination. Chlorine tablets can be purchased at most local pharmacies.
The media reports continuous concerns in relation to the possibility of terrorist attacks and civil unrest within the country. There have been incidents of bombing attacks within the major cities of Burma, most commonly in Yangon. Areas considered high risk include hotels, public transportation, shopping centres, markets, and other public venues. It is also recommended not to travel near the border of China, Laos and Thailand due to the higher risk of conflict, unexploded landmines and ordinance. Tropical cyclones are also a threat to expats living in Burma, particularly during the months of April to October. It is therefore important for expats to monitor the media for information relating to severe weather warnings, violent attacks and other related warnings.
Emergency protocols should be adopted by residents during the event of an accident, serious illness or criminal offense. To call an ambulance, police department, or fire service dial 9-9-9.
Expats are advised to contact the International SOS Alarm Centre where English speaking staff can assist with emergency matters and organise the appropriate services. Expats can contact the International SOS Alarm Centre, located in Bangkok on +66 2 205 7777. To call the International SOS Medical Clinic located in Yangon dial +95 1 667 879.
For more information about Burma medical insurance plans, or to receive a free International Health Insurance Quote, please contact one of our dedicated advisers today.
For more information about Burma, the international health insurance plans that we can offer there, or to receive a free quote, please contact one of our expert advisers today
ဒါကတျခား ပုဂၢိဳလ္က ျမန္မာအာမခံေလးေတြပါ....ျပည္တြင္ ကုမၸဏီေလးေတြႏွင့္ ႏိုင္ငံျခားအာမခံရံုးခြဲေလးေတြပါ....
The Changing Myanmar Insurance Market
Published: 02-Jul- 2013 |
What Has Changed In Myanmar?
For the first time in half a century, the state-owned insurance organization in Myanmar (“Myanma Insurance”) will permit private firms to offer insurance services.
In addition, most governments have substantially eased sanctions against Myanmar in response to recent reforms in the country. However, certain restrictions on doing business in Myanmar remain, including under U.S. law prohibitions against doing business with certain What Has Changed In Myanmar?
For the first time in half a century, the state-owned insurance organization in Myanmar (“Myanma Insurance”) will permit private firms to offer insurance services.
In addition, most governments have substantially eased sanctions against Myanmar in response to recent reforms in the country. However, certain restrictions on doing business in Myanmar remain, including under U.S. law prohibitions against doing business with certain designated organizations and individuals in Myanmar, and extensive reporting requirements regarding new investment.
What Private Insurance Companies Have Been Approved?
As of June 2013, the following entities have been granted conditional approval to offer insurance:
- Aung Thitsar oo Insurance Co. Ltd.
- Ayeyar Myanmar Insurance Co. Ltd.
- Excellent Fortune Insurance Company Ltd.
- First National Insurance Co. Ltd.
- Global World Insurance Co. Ltd.
- Grand Guardian Insurance Public
- IKBZ Insurance Public Co. Ltd
- Pillar of Truth Insurance Co. Ltd.
- Yang Insurance Global Co. Ltd.
Additional insurers, while not at present admitted within Myanmar, have or are establishing representative offices. These include:
- Sompo Japan Insurance Inc
- Tokio Marine & Nichido Fire Insurance Co., Ltd.
- Mitsui Sumitomo Insurance Co., Ltd.
- United Overseas Insurance
- ACE
Is Non-Admitted Insurance Permitted In Myanmar?
The Mynamar Insurance Law, passed in 1993, mandates that certain compulsory insurances be placed with Myanma Insurance, that state-owned entity which provides insurance. As the market is opened up for a limited selection of private insurers revisions to the law are anticipated, but exactly when the ruling will be, or its particulars, are uncertain.Are There Compulsory Insurance Requirements In Myanmar?
The Myanmar Insurance Law contains several provisions concerning compulsory insurance that must be effected with Myanma Insurance:- Government servants are required to effect life assurance.
- Owners of motor vehicles are required to effect Third Party Liability Insurance.
- An entrepreneur or organization operating an enterprise which may cause loss to State-owned property or which may cause damage to the life and property of the public or which may cause pollution to the environment are required to effect compulsory General Liability Insurance.
- There also appears to be a “catch-all” provision whereby the government can unilaterally define which entrepreneur or organization will fit the definition of one that triggers the need to purchase compulsory General Liability Insurance.
- With respect to foreign investment, the law is not specific with respect to what classes are required. Rather, the law broadly states that “Economic Organizations that have been formed under a permit under the Union of Myanmar Foreign Investment Law shall effect classes of insurance which the Myanma Insurance determines from time to time.” Concurrently, the law also provides an exception: “However from amongst the classes of insurance which the said Economic Organisations are to effect the Ministry of Finance and Revenue may exempt from effecting insurance of any class or more than one class, in the interest of the State.”
Can Marsh Service My Business In Myanmar?
Marsh can service your business in Myanmar as is consistent with applicable laws and so long as its provision of services would not expose Marsh and its affiliates to any sanction, prohibition or restriction under applicable trade or economic sanctions, laws or regulations.Presently the Myanmar insurance market is handled by Marsh’s global service teams in Singapore with additional support from Marsh Vietnam.
How Do I Arrange A Locally Admitted Policy in Myanmar?
Marsh clients who require a locally admitted Myanmar policy may consider a fronted policy. This is a common solution in various foreign jurisdictions and it bears noting that fronting fees frequently amount to 20 percent of the policy premium. Additionally, clients should allot sufficient time for the transaction as operations in Myanmar may involve a longer time frame than is customary in domestic markets.Please note that this client bulletin offers a general overview only and there may be restrictions and conditions on your company’s ability to enter the Myanmar market. Please consult your legal advisors regarding doing business in Myanmar.
List of Insurance Companies in Myanmar
No
|
Company Name
|
Address
|
Phone
| |
| 1 | Altec Management Ltd. | 34, Shwe Taung dan St, Lanmadaw Tsp | (951) 227200, 229268 | |
2
|
ANT
| 3, May Kha 1st St, Mayangone Tsp, |
(951) 700702, 09-99-24368
| |
| 3 | Asia | 225, # 1401, 14th Flr, Bo Aung Kyaw St, Coner of Maha Bondoola St, Olympic Tower, Kyauktada Tsp | (951) 256299, 256189 | |
| 4 | Corporate Management & Consultants | 225, # 1401, 14th Flr, Bo Aung Kyaw St, Cor of Maha Bondoola St, Olympic Tower, Kyauktada Tsp | (951) 256299, 256189 | |
| 5 | Good Faith service Co., Ltd. | 2, A, Thukha Waddy St, Ward (6), Bahan Tsp | (951) 703800, 579086, 663840 | |
| 6 | Integrated Marketing Ltd. (IML) | 225, 0201, 2nd Flr, Bo Aung Kyaw St,Cor of Mahabandoola St, Olympic Tower, Kyauktada Tsp | (951) 256217 | |
| 7 | Jardine Lioyd Thompson | 3, West, May Kha 1st St, Ward (6), Mayangone Tsp | (951) 665422 | |
| 8 | Min Theiddi Co., Ltd. | 173, 36th St, Kyauktada Tsp | (951) 249776 | |
| 9 | Miscellaneous Insurance | 128, 132, Pansonden St, Kyauktada Tsp | (951) 284545 | |
| 10 | Mitsui Sumitomo Insurance Co., Ltd. | 223, #620, 624, 6F, Sule Pagada Rd, Traders Hotel, Kyauktada Tsp | (951) 242828, Ext: 7620-24 | |
| 11 | Myanmar Insurance | 627/635, Merchant St, Pabedan Tsp | ( 951) 283376, 252373, 252434. | |
| 12 | Myanmar Express Int't Moving Servicing Co., Ltd. | 21, 54 St, Ward (2) PZDN | ( 951) 299463, 291378, 204033, 09-99-26451 | |
| 13 | Overseas Union Insurance Ltd. | 225, # 1401, 14th Flr, Bo Aung Kyaw St, Coner of Maha Bondoola St, Olympic Tower, Kyauktada Tsp | (951) 256299 | |
| 14 | Risk Transfer Unity Insurance Agents Centre | 137, 38 St, Kyauktada Tsp | ( 951) 285116 | |
| 15 | Sompo Japan Insurance Inc. | 339, # 1205, 12 Flr, Bogyoke Aung San St, Sakura Tower, Kyauktada Tsp | (951) 255355, 255356, 255404, 255405 | |
| 16 | Yokia Morine & Fire Insurance Co., Ltd. | 380, # 908, 9 Flr, Bogyoke Aung San St, FMI Centre, Pabedan Tsp. | (951) 246871, 243025, 246872 |
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