Real life experience Fonasa B with the private system

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eeuunikkeiexpat
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Re: Real life experience Fonasa B with the private system

Post by eeuunikkeiexpat » Wed Sep 04, 2019 10:58 pm

passport wrote:
Wed Sep 04, 2019 10:42 pm
Are there income limits for qualifying for FONASA B?
Nope, just pay in at the Chilean minimum wage level. Assuming one is a resident, just go to the local Fonasa office and sign-up (one of the easiest tramites I've ever done in Chile). Monthly payment is done online via your Chilean bank account and the PreviRed site:

https://www.previred.com/web/previred/

The charge adjusts automatically as the minimum wage changes.

You are now part of the national system and the bono is issued by showing your carnet, verifying your forefinger print on the finger scanner and paying cash, debit or credit. Of course, if you stick to the public system, everything is covered.
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Re: Real life experience Fonasa B with the private system

Post by thisisreallycomplicated » Wed Sep 04, 2019 11:21 pm

Do you automatically have FONASA B (or any other FONASA), if you issue "boletas de honorarios", and pay monthly taxes on SII.cl?
“Now it’s conspiracy – they’ve made that something that should not even be entertained for a minute, that powerful people might get together and have a plan. Doesn’t happen, you’re a kook, you’re a conspiracy buff!” – George Carlin

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Re: Real life experience Fonasa B with the private system

Post by thisisreallycomplicated » Wed Sep 04, 2019 11:26 pm

eeuunikkeiexpat wrote:
Wed Sep 04, 2019 9:23 pm
Ideally, it would be nice if I could keep up with growing grand kids, go on a semi-challenging hike and run at full throttle from the incoming tsunami or other threat if needed :alien:
Worst case, you could get knee replacements. A friend of mine got 2, and apparently they work great. But you probably won't need to go to that extreme.
“Now it’s conspiracy – they’ve made that something that should not even be entertained for a minute, that powerful people might get together and have a plan. Doesn’t happen, you’re a kook, you’re a conspiracy buff!” – George Carlin

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Re: Real life experience Fonasa B with the private system

Post by eeuunikkeiexpat » Wed Sep 04, 2019 11:36 pm

thisisreallycomplicated wrote:
Wed Sep 04, 2019 11:21 pm
Do you automatically have FONASA B (or any other FONASA), if you issue "boletas de honorarios", and pay monthly taxes on SII.cl?
No, you need to go to the Fonasa office and sign-up, it as an additional monthly payment. Bring a Spanish speaker who knows what you are trying to do.
There are two ways to be fooled.

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Re: Real life experience Fonasa B with the private system

Post by eeuunikkeiexpat » Wed Sep 04, 2019 11:40 pm

thisisreallycomplicated wrote:
Wed Sep 04, 2019 11:26 pm
eeuunikkeiexpat wrote:
Wed Sep 04, 2019 9:23 pm
Ideally, it would be nice if I could keep up with growing grand kids, go on a semi-challenging hike and run at full throttle from the incoming tsunami or other threat if needed :alien:
Worst case, you could get knee replacements. A friend of mine got 2, and apparently they work great. But you probably won't need to go to that extreme.
That indeed would be the worst, worst, worst case. I think the tendon screws will already be enough to make my trips to the US more of a pain (TSA scanners). :alien:
There are two ways to be fooled.

One is to believe what isn't true;

the other is to refuse to believe what is true.

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Re: Real life experience Fonasa B with the private system

Post by thisisreallycomplicated » Wed Sep 04, 2019 11:51 pm

eeuunikkeiexpat wrote:
Wed Sep 04, 2019 11:36 pm
thisisreallycomplicated wrote:
Wed Sep 04, 2019 11:21 pm
Do you automatically have FONASA B (or any other FONASA), if you issue "boletas de honorarios", and pay monthly taxes on SII.cl?
No, you need to go to the Fonasa office and sign-up, it as an additional monthly payment. Bring a Spanish speaker who knows what you are trying to do.
Do you know if there's a way to check online, if you're already signed up? I think my accountant said I'm already covered, but I was never really sure (he doesn't speak much English). I could ask him again, but I still wouldn't be sure:(

And this is from an email I got back in july:
Porque cuidamos tu Independencia,
te damos la bienvenida al Instituto de Seguridad Laboral

La ley N° 21.133, publicada el 2 de febrero de 2019, establece un nuevo mecanismo obligatorio y gradual de cotización para incorporar a los trabajadores que emiten boletas de honorarios al sistema de Protección Social. Uno de los beneficios de esta ley es que los trabajadores que emiten boletas de honorarios y que cotizaron este año en la Operación Renta, están cubiertos por el Seguro Social contra Riesgos de Accidentes del Trabajo y Enfermedades Profesionales. Este seguro, otorga beneficios preventivos, médicos y económicos en caso de accidentes del trabajo, trayecto y/o enfermedad profesional.

A contar del 1 de julio usted está adherido al Instituto de Seguridad Laboral y, por tanto, protegido ante un accidente de trabajo, trayecto y enfermedad profesional con los siguientes beneficios:
It sounds like I have to sign up for some kind of benefits, but I haven't figured out what to do with that yet either.
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Re: Real life experience Fonasa B with the private system

Post by eeuunikkeiexpat » Thu Sep 05, 2019 12:01 am

TIRC,

Yeah, that is different than Fonasa. You should be eligible for payments if you are "out of work" due to an accident or illness similar to other Chilean workers under "contract". Not the same as health insurance/coverage. If you are not entering the PreviRed site every month to initiate payment for health coverage and/or AFP, then you don't have it.
There are two ways to be fooled.

One is to believe what isn't true;

the other is to refuse to believe what is true.

- Søren Kierkegaard

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Re: Real life experience Fonasa B with the private system

Post by eeuunikkeiexpat » Thu Sep 05, 2019 12:07 am

If you don't recall ever having to record your forefinger print on a scanner outside of Registro Civil, then you definitely don't have it, unless a special case foreigner with private insurance.
There are two ways to be fooled.

One is to believe what isn't true;

the other is to refuse to believe what is true.

- Søren Kierkegaard

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Re: Real life experience Fonasa B with the private system

Post by thisisreallycomplicated » Thu Sep 05, 2019 12:30 am

I know the thing from the email isn't FONASA. But I still thought I was covered somehow, since I "think" my accountant said I was (he might actually be a lawyer, if I understood him correctly... but now I'm not too sure about anything). Anyway, Fonasa.cl has some online stuff, so I'll probably go over that when I have time. In the meantime I just won't get sick:)
“Now it’s conspiracy – they’ve made that something that should not even be entertained for a minute, that powerful people might get together and have a plan. Doesn’t happen, you’re a kook, you’re a conspiracy buff!” – George Carlin

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Re: Real life experience Fonasa B with the private system

Post by eeuunikkeiexpat » Fri Sep 06, 2019 6:36 pm

Absolutely amazing prices.

Under PAD:
Unstable knee operation - $1.454.000
https://www.fonasa.cl/sites/fonasa/bene ... aciones/40

with complementary meniscus removal - $134.420
https://www.fonasa.cl/sites/fonasa/bene ... aciones/28

Total: $1.588.420

This is an operation that would easily cost at least US$20,000 in the USSA

So off to the Fonasa office this coming week to pay.
There are two ways to be fooled.

One is to believe what isn't true;

the other is to refuse to believe what is true.

- Søren Kierkegaard

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Re: Real life experience Fonasa B with the private system

Post by admin » Fri Sep 06, 2019 8:48 pm

eeuunikkeiexpat wrote:
Fri Sep 06, 2019 6:36 pm
Absolutely amazing prices.

Under PAD:
Unstable knee operation - $1.454.000
https://www.fonasa.cl/sites/fonasa/bene ... aciones/40

with complementary meniscus removal - $134.420
https://www.fonasa.cl/sites/fonasa/bene ... aciones/28

Total: $1.588.420

This is an operation that would easily cost at least US$20,000 in the USSA

So off to the Fonasa office this coming week to pay.
hell for that price, you should consider buying a matching set. :lol:
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Re: Real life experience Fonasa B with the private system

Post by at46 » Sat Sep 07, 2019 12:50 pm

eeuunikkeiexpat wrote:
Fri Sep 06, 2019 6:36 pm
Absolutely amazing prices.

Under PAD:
Unstable knee operation - $1.454.000
https://www.fonasa.cl/sites/fonasa/bene ... aciones/40

with complementary meniscus removal - $134.420
https://www.fonasa.cl/sites/fonasa/bene ... aciones/28

Total: $1.588.420

This is an operation that would easily cost at least US$20,000 in the USSA

So off to the Fonasa office this coming week to pay.
Good prices. But what happens in case of complications, hospital infection etc.? How is that going to be paid for? Reading your thread I started thinking about switching from Isapre to Fonasa, maybe with a complementary all-in seguro from a specific hospital. Trying to understand a bit more about it.

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