No compre productos que sean poco flexibles o no acorde a sus necesidades; el peor seguro es aquel que no puede pagar.<\/li>\n<\/ul>\n\u00bfCon qu\u00e9 seguro comenzar?<\/h2>\n
El sistema de protecci\u00f3n funciona como el juego del Lego; \u00bfde qu\u00e9 sirve tener un plan de retiro si podr\u00eda sufrir una afectaci\u00f3n econ\u00f3mica debido a una enfermedad grave o porque ha atropellado a alguien con su autom\u00f3vil?<\/p>\n
Aqu\u00ed hay una jerarqu\u00eda de protecciones que ofrecemos:<\/p>\n
1. Mi primera mutual o seguro: la responsabilidad civil de mi medio de transporte.<\/h3>\n
M\u00e1s que garantizar el valor de los medios de transporte, es indispensable la responsabilidad civil<\/strong>. Lesionar o matar mientras conduce sin un seguro es simplemente impensable, las consecuencias ser\u00edan catastr\u00f3ficas.<\/p>\n2. Mi segunda mutual o seguro: \u00bfMi seguro de gastos m\u00e9dicos?<\/h3>\n
Una apendicitis sin complicaci\u00f3n puede costarle alrededor de 10,000 euros tanto en M\u00e9xico como en Brasil y !hasta 5 veces m\u00e1s caro en los Estados Unidos!<\/p>\n
\u00bfUn d\u00eda en el hospital en cuidados intensivos? Puede costarle 2,000 euros en M\u00e9xico\u00a0 y hasta 10,000 euros en USA.<\/p>\n
Un c\u00e1ncer de 15,000 a 50,000 euros al a\u00f1o.<\/p>\n
Un seguro de gastos m\u00e9dicos se vuelve indispensable en pa\u00edses tan caros donde las tarifas no son necesariamente reguladas y la oferta p\u00fablica es mala o casi inexistente.<\/p>\n
Estas soluciones deben adaptarse a su presupuesto y a su situaci\u00f3n familiar, por lo que es esencial suscribir una oferta flexible que pueda evolucionar de acuerdo con sus necesidades.<\/p>\n
Debe prestar atenci\u00f3n a las limitaciones como el deducible, el coaseguro y el copago y es indispensable que cuente con dinero suficiente para pagar estas cantidades a su cargo (“de su bolsillo”). Muchos expatriados que viven en Estados Unidos se encuentran en una situaci\u00f3n precaria porque no han contemplado estos gastos no cubiertos por el seguro.<\/p>\n
3. Mi tercera mutual o seguro : Los ingresos que dejo a mi familia.<\/h3>\n
Se trata de proteger a sus dependientes econ\u00f3micos si usted y\/o su esposo(a) falleciera o si ya no pudiera trabajar.<\/p>\n
Lo ideal es garantizar 10 a\u00f1os de solvencia por lo que en caso de muerte, sus seres queridos tendr\u00edan los recursos econ\u00f3micos para hacer frente a las adversidades.<\/p>\n
Podr\u00eda proteger al menos sus a\u00f1os productivos. En Expat Assurance le proponemos soluciones temporales a 10, 20 o 30 a\u00f1os que son accesibles con la posibilidad de que est\u00e9 cubierto en caso de una enfermedad grave y\/o una incapacidad parcial o total.<\/p>\n
4. \u00bfY mi retiro?<\/h3>\n
Una vez que haya cubierto los riesgos anteriores, puede comenzar a planear su retiro ya sea con capital, inversiones en bienes ra\u00edces, seguros de vida o para los m\u00e1s optimistas a trav\u00e9s de la Caja Nacional de Seguro de Vejez (CNAV siglas en franc\u00e9s).<\/p>\n
\u00bfVale la pena en la CNAV a trav\u00e9s de la CFE?<\/h3>\n
Si usted es franc\u00e9s y se va a trabajar algunos a\u00f1os en el extranjero pero considera regresar a su pa\u00eds de origen, entonces valdr\u00eda la pena para no perder los trimestres ya cotizados (la p\u00e9rdida de algunos trimestres puede costarle mucho al momento de calcular su pensi\u00f3n para el retiro).<\/p>\n
Ahora, si usted ha cotizado pocos trimestres en Francia para su retiro y piensa desarrollar la mayor parte de su vida profesional en el extranjero y en un pa\u00eds que no tiene acuerdos con Francia, le costar\u00e1 muy caro porque tendr\u00e1 que pagar la parte del empleado y del empleador,\u00a0 sin ninguna garant\u00eda sobre el monto final …<\/p>\n
En Expat Assurance, ofrecemos soluciones especializadas en seguros de salud para expatriados, as\u00ed como soluciones de pensiones como seguros de muerte, seguros de invalidez y seguros de enfermedades cr\u00edticas.<\/p>\n","protected":false},"excerpt":{"rendered":"
En pa\u00edses europeos la ayuda social es alta. Francia, por ejemplo, tiene el r\u00e9cord mundial: 32% del PIB en diversas ayudas como el seguro social, la tarjeta vital, la CMU, el RSA, el seguro de desempleo, las APL, Page, ASF, ARS, APL, ALF, PTZ, SFM, EDFARE, ASS, ASR, ADR, RFPE entre otros… Para los expatriados […]<\/p>\n","protected":false},"author":5,"featured_media":4244,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"acf":[],"yoast_head":"\n
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