Dutch Health Insurance System too complicated and expensive say 58% of the Dutch

Most of the insured in the Netherlands are fed-up with the present health-care system. They find the system too complicated and too expensive.

 "It is like a jungle out there when you are trying to find out how the insurance system works and what is best for you and your family". "Lots of confusing choices make it very difficult to figure out”,said working mother.

Recently the marketing organization Pricewise reported that 58 percent of the people insured under the Dutch system today would rather prefer to go back to the old national health-care program if they had the choice.

The choices need to be made simpler, more limited, according to most of the people interviewed

Unfortunately, when the month of November rolls along again and insurance companies in the Netherlands mail out their annual multi-choice policies to customers, it will once again be as confusing as ever for  customers to figure out which company to choose from offering the best coverage for their family and budget.

 Insure-Digest

EU-We Should Not Be Afraid Of Refugees - it will pay off in the long-run by doing it right - by Angel Gurria

Europe is facing an historic moment. By the end of this year, the number of people applying for asylum in the European Union will exceed one million. The human cost of this refugee crisis is appalling. Yet, in all but a handful of cases, the response of Europe’s governments has been tentative, at best: acknowledging the need to do more, while fearing the implications.

Some politicians fear the burden that migrants will impose on local communities and taxpayers. Others fear extremists masquerading as genuine refugees. Above all, many are scared of public opinion, which – for all the heart-warming scenes of welcome and support for asylum-seekers – remains hesitant and even hostile to the prospect of still more migrants from war-torn, troubled countries, especially if they practice a different religion.

European leaders cannot afford to be afraid. The refugee crisis is not one from which they can opt out. No magic wand will empower leaders to transport more than a million people back across the Aegean and the Bosphorus to Mosul and Aleppo, or across the Mediterranean to Eritrea, Somalia, and Sudan.

The reintroduction of border controls and the construction of fences may buy time for over-stretched countries, but no one can seriously expect to keep out people who are so desperate to move. Given the dire conditions in the countries from which they are fleeing, perhaps half of the asylum-seekers will qualify for

residency under even the strictest rules. So, whatever the sensitivity or ambivalence of public opinion, European leaders will have to find a bold, coordinated, and unified response.

There are three challenges. The first is to agree on a fair allocation of refugees within Europe; despite their vast numbers, these desperate people must be provided with shelter, food, and support. This will be difficult enough.

The second challenge is to start the process of integrating refugees into Europe’s societies and economies. Some refugees will find it relatively easy to find jobs. A university-educated Syrian civil engineer arriving in Munich will need to learn some German; but, once this is done, he or she is unlikely to have to wait too long before employers come knocking. Other asylum-seekers have lower levels of education, and many may well be traumatized by their experience of war and exodus. It will take time and effort to integrate them

and many voters will be skeptical of the process, especially given that successful integration or assimilation will not come cheap.

However, paying the price to accept and integrate today’s asylum-seekers could reap significant benefits for the Europe of tomorrow. Our work at the OECD shows that migration, if well managed, can spur growth and innovation. Unfortunately, in the past, migration has not always been well managed: migrants have been concentrated in ghetto-like conditions, with few public services or employment prospects.

Note EU-Digest: this is a renewed opportunity for Europe to do migration right - we should not blow it this time. 

Read more: We Should Not Be Afraid Of Refugees » Social Europe

The Netherlands: Foreign tourists in the Netherlands often unable to use their local debit and credit cards - by RM

Foreign Credit and Debit cards not easy to use in Holland

The Netherlands is not very "Tourist Friendly" when it comes to tourists wanting to use their debit or credit cards for local purchases.

Most of the time they are unable to pay with their credit/debit cards for purchases or expenses in local stores, restaurants,gas stations, train stations, toll roads,  hotels or super-markets.

US bank credit or debit cards, even those with a "chip" or "pin-code" usually won't work in the Netherlands and basically force the owner of that card  to take out cash from a local ATM. This automatically results in high bank charges for these transactions by the credit card holder's own local bank in addition to potential exchange charges in the Netherlands.

As one tourist, who wanted to pay for a raincoat she bought in a local department store in the city of Almere, but had all her cards declined, said in desperation - "this must be the first country in the world where the banking system and stores don't want to make it easy for tourists to pay for their goods with a debit or credit card."

Almere-Digest 

EU - Middle East: ISIS Defectors Reveal Frustration Over Corruption, Atrocities and Sunni Infighting - by Jack Moore

An increasing number of ISIS fighters are becoming disillusioned with the group and defecting from its ranks, according to a new study published on Monday. Furthermore, Western governments should protect these defectors from reprisals and legal "disincentives" to encourage them to speak out about the group, the study says.

A report published by the London-based International Center for the Study of Radicalisation and Political Violence (ICSR) at King's College London, entitled Victims, Perpetrators, Assets: The Narratives of Islamic State Defectors, argues that governments and activists should "recognize the value and credibility" of defectors speaking out against the group and should assist in their "resettlement" and "safety."

The jihadi monitoring think tank, which has tracked foreign fighters traveling to and from the terror group's self-proclaimed caliphate in Iraq and Syria, has recorded 58 defectors in total but says that these only "represent a small fraction" of the total number as there are many more who are unwilling to come forward for fear of reprisals or imprisonment.

Read more: ISIS Defectors Reveal Frustration Over Corruption, Atrocities and Sunni Infighting: Study

The Netherlands - Insurance Industry: Family doctors can work together to make deals with insurers

The Dutch consumer and markets authority ACM is to give family doctors and other health practitioners more leeway to work together to negotiate fees with health insurance companies.

The ACM’s chairman Chris Fonteijn told the NRC at the weekend that doctors and physiotherapists can work together if it is in the interests of the patient. What they may not do is divide up areas between them, boycott a health insurer as a group or stop new doctors setting up practices, Fonteijn said. In addition, doctors who do break competition laws will be given a warning before the ACM issues fines, he said.

The Dutch consumer and markets authority ACM is to give family doctors and other health practitioners more leeway to work together to negotiate fees with health insurance companies. The ACM’s chairman Chris Fonteijn told the NRC at the weekend that doctors and physiotherapists can work together if it is in the interests of the patient.

What they may not do is divide up areas between them, boycott a health insurer as a group or stop new doctors setting up practices, Fonteijn said. In addition, doctors who do break competition laws will be given a warning before the ACM issues fines, he said.

Insure-Digest

Goldman Sachs and the Vatican: Two Cultures of Infallibility - by Stephan Richter

From the perspective of Goldman’s management, the recent path of the Catholic Church is probably the most nightmarish thing to think about — assuming their imagination and sense of seriousness reaches this far.

Look at the long list of parallels: None, of course, is more powerful — and disastrous — than Goldman’s and the Vatican’s unceasing belief in the doctrine of infallibility.

The rot, one says, starts at the top — and in the age of democracy and participatory learning, no organization can successfully hold onto the belief that, as far as dealings with the outside world are concerned, its staff members are really incorrigible.

I am not suggesting that there isn’t plenty of rigorous debate about the organizations’ direction and business (or spiritual) practices — but it occurs strictly in the inner sanctum.

The instrument of doubt plays a role in both organizational learning cultures. However, it is viewed solely as a method of rigorous inquisition to come to a decision internally, which — once made — is upheld externally with a united front. One for all, all for one.

With regard to interactions with the outside, such a frame of mind can quickly result in presenting a fiercely clannish, if not secretive, front. That unquestioned commitment to the cause, 24x7x365, surely breeds a strong internal culture, but it also makes the organization as a whole ripe for systemic denial. In short, wrongdoing simply cannot occur because we are perfect, aren’t we?

What Goldman must realize is that the Vatican had tried to hush things up. It simply could not happen here, it argued. But the harder and longer it tried, the more pushback there was among the victims.

It is simply inconceivable that a firm with the breadth and depth of Goldman’s client dealings in the markets — and its relentless hunger for profit maximization — did not leave behind a lot of broken china.

The second applicable lesson for Goldman which the Vatican’s troubles foreshadow is this: While child molestation and sexual abuse are definitely qualitatively different charges than manipulating financial markets, the ultimate fallout of denial on one’s reputation, financial well-being and inner morale may well be the same.

It all starts with the inner logic of the real temptation — “overlooking” the respective crime in question. Regarding the internal culture of the two organizations, there are stunning parallels.

Both cultures are rooted in an intense sense of loyalty to the “company.” Both firms’ staff members have a strong sense of mission, even though one is very much focused on the immaterial, while the other is very material-minded.

Readmore: Goldman Sachs and the Vatican: Two Cultures of Infallibility - The Globalist

Greek election live: Alexis Tsipras celebrates victory - as it happened

With most of the ballot papers counted, Syriza is leading with a 35.5% share of the vote compared with 28.2% for the centre-right New Democracy party. Speaking in Athens, Tsipras declared the election a victory for the people. “This victory belongs to the people and those who dream of a better tomorrow and we’ll achieve it with hard work,” he said.

Jubilant supporters, clearly relieved at the result, took to the streets in celebration, with many singing and dancing outside Syriza’s main election marquee in central Athens.

Tsipras told supporters that he would tackle endemic corruption in the country. “The mandate that the Greek people have given is is a crystal clear mandate to get rid of the regime of corruption and vested issues,” he said. “We will show how effective we will be. We will make Greece a stronger place for the weak and vulnerable, a fairer place.”

Read more:Greek election live: Alexis Tsipras celebrates victory - as it happened | World news | The Guardian