GUIDE TO HEALTH INSURANCE FOR ALL TRAVELLING TO POLAND :-PRZEWODNIK PO UBEZPIECZENIACH ZDROWOTNYCH DLA WSZYSTKICH PODRÓŻUJĄCYCH DO POLSKI

 I LANDED AT POLAND ON JULY 20 2023 TO STAY WITH MY SON AND DAUGHTER IN LAW WITH MY NATIONAL DEPENDENT VISA.UNFORTUNATELY I HAD AN EMERGENCY MEDICAL COMPLICATION ON JULY 27 AND THE ONLY SOURCE TO ATTEND TO THIS WAS GOVERNMENT HOSPITAL.FORTUNATELY MY SON HAD COVERED ME UNDER HEALTH INSURANCE AND DOCTORS COULD ATTEND TO ME IN TIME AS I HAD MY PESEL NUMBER ISSUED TO ME.

LET US UNDERSTAND ABOUT THIS AS PUBLISHED ON THE SITE OF EUROPIAN COMMISSION

Obtain a PESEL Number – a service provided to foreigners

If you are foreigner living in Poland, you can register your residence – in such a situation, you will automatically obtain a PESEL Number [Polish acronym for „Universal Electronic System for Registration of the Population”]. If you cannot register your residence, and any agency requires a PESEL Number from you – submit an application. Check how to do this.

 

Informacje:

• Rozwiń tekst

Eligibility for obtaining a PESEL Number

• • You will obtain the PESEL Number ex officio – if you register your residence in Poland for a stay of over 30 days.
  • Submit an application with any municipality/township office – if you cannot register your residence, but you need the PESEL Number.

What you have to prepare

• • If you register your residence:

    • an application for the assigning of a PESEL Number – download  and fill it out at home. You can also obtain the application at the municipality/township office. In the Materials below there are instructions on how to correctly complete the application form for a PESEL number in Polish,
    • a document, which confirms your identity and other data entered in the application form.

    You can submit the application In person or by a Proxy acting on your behalf. Learn more at the office how to handle the matter through a proxy.

    Remember! Provide the actual legal base in the application, which entails the obligation of holding a PESEL Number. If Any agency (for example, ZUS (Social Security Agency) or tax Office requires the PESEL Number – it should also provide you with the legal base of such a requirement.

    If there are any deficiencies in the application – you will be informed that they need to be supplemented. The office will not be able to review your application, if the said application fails to meet official requirements.

Materiały

• • • Instructions on how to complete an application form for a PESEL number

      Instructions​_on​_how​_to​_complete​_an​_application​_form​_for​_a​_PESEL​_number.pdf 2.01MB
    • Rozwiń tekst

What you have to do

• • • 1. Fill out the application form and prepare your ID document – for more information, see the What you have to prepare section.
      2. Submit the application with any office – for more information, see the Where to collect section.
         Rozwiń tekst

How much you will pay

• • • This is a free of charge service.

How long you will have to wait :-The official will immediately accept your application. If there are grounds for assigning the PESEL no. – you will receive notice of assignment of the PESEL Number.ozwiń tekst

Poland - Healthcare

Under what circumstances am I entitled to benefits?

Everyone covered by health insurance is eligible for free healthcare benefits in Poland.

All people staying in Poland temporarily, residents of European Union countries and the European Economic Area are entitled to these benefits. They only need to have health insurance in their country and have the appropriate documents.

The institution which issues and finances health benefits in Poland is the National Health Fund (later in the Jargon busters).

What conditions need to be met?

The right to enjoy free healthcare benefits is provided to a very large number of groups in society. These include workers, children, students, pensioners, the unemployed and the self-employed.

The right to healthcare benefits is attained when applying for health provision, for which an institution sends a contribution, e.g. an employer or university. The exceptions are the self-employed, who have to declare themselves for insurance.

In addition, each insured person must declare the health provision of their family members who are not entitled to health insurance in another way (e.g. with children). They gain the right to health benefits according to the same principles as an insured person.

You can also apply voluntarily for health insurance.

What am I entitled to and how do I apply?

Each insured person has the right to free benefits from all doctor's surgeries and institutions which have a signed contract with the National Health Fund. Among these are:

• General practitioners;
• Specialist doctors, after a consultation with a general practitioner. It is possible to go to the following specialists without a consultation: gynaecologist, obstetrician, dentist, venereologist, oncologist, and psychiatrist. Consultations are not required in cases of serious threat to one's health or life;
• Hospitals, GP surgeries, guidance centres, health centres. In the event of hospitalisation, all treatments, examinations and medicines are free;
• Private surgeries which have signed contracts with the National Health Fund. Before your visit, you should check whether the services which you want to use in the surgery are provided under the agreement with the health fund;
• Dentists: it should be recalled that dentistry treatment under the insurance is extremely limited. At this link you can check which dentistry services are available to you under the health insurance.

Medicines

A few medicines in Poland are partly refundable through the National Health Fund. You can read on the pages of the Ministry of Health about grounds for reimbursement and consult the list of refundable medicines. If the medicine prescribed to you is not on the list, you must pay 100% of the market price.

In Poland, pharmacies have an obligation to inform customers whether it is possible to exchange a prescribed medicine against a cheaper equivalent, i.e. one at the same pharmacy or for a lower price. There is also a special hotline of the Ministry of Health which you can call to ask whether prescribed medicines have a cheaper equivalent (look in the "Who do I contact?" section).

During hospitalisation, all medicines are free.

Confirmation of the right to benefits

Residents in Poland may confirm their right to healthcare benefits electronically (giving their PESEL number) using a document confirming health insurance coverage (e.g. that a pension is legitimate) or submit a declaration that they are entitled to insurance.

Residents in the European Union are accorded the same right to healthcare benefits as a resident in Poland. The only condition is to demonstrate that you have the right to healthcare in your country. It is therefore important to have your European Union Health Insurance Card on you.

Jargon busters

PESEL number - 11-digit identification number in Poland. The process of providing a PESEL number for each person registered in Poland for at least 3 months is initiated automatically.

National Health Fund (NFZ) manages the healthcare system in Poland. It signs contracts with doctors and healthcare benefit offices as part of the overall healthcare system. The National Health Fund finances the benefits and also covers the costs for refunding medicines.

Documents to be completed

• Certificate  ZUS ZZA – for workers or self-employed persons
• Certificate ZUS ZCNA – for family members of workers or self-employed persons

Know your rights

The links below set out your rights; they are not European Commission sites and do not reflect its opinions:

• Description of the healthcare system in Poland on the website of the Ministry of Health
• Guide to patients' rights on the website of the National Health Fund
• Step-by-step - guide to patients’ on the website of the National Health Fund

European Commission websites and publications:

• http://ec.europa.eu/social/main.jsp?catId=849&langId=pl

Who do I contact?

National Health Fund – Headquarters
ul.  Rakowiecka 26/30
02-528 Warsaw

Internet: http://www.nfz.gov.pl
Email: kancelariaelektroniczna@nfz.gov.pl

National Health Fund hotline (available24/7):  800190590, from abroad: +48221256600

Ministry of Health
ul. Miodowa 15
00-952 Warsaw

Internet:  www.gov.pl/zdrowie
Email: kancelaria@mz.gov.pl

Ministry of Health hotline (available from 8.15 a.m. to 4.15 p.m.):  +48222500146

Office of the Ombudsman of Patients' Rights
ul. Młynarska 46
01-171 Warsaw
Tel.: +48 225328250
Internet: www.gov.pl/rpp
Email: kancelaria@rpp.gov.pl

Ombudsman of Patients’ Right question form

Free hotline of the Office of the Ombudsman of Patients' Rights (available on weekdays from 8 a.m. to 6 p.m. from 8 a.m. to 4 p.m.): 800190590

Here's why Chinese President Xi Jinping didn't attend G20 in India :-The Economic Times Sep 7,2023

 

In a surprising turn of events, Chinese President Xi Jinping has decided not to attend the G20 summit scheduled to take place in New Delhi this week. This decision marks a departure from his consistent attendance at previous G20 meetings, raising questions about its underlying reasons.

According to reports from Nikkei Asia, the root cause of this unexpected move can be traced back to the recent Beidaihe meeting in China, an annual gathering of incumbent and retired leaders of the Chinese Communist Party. While the discussions at this gathering are typically confidential, details from this year's closed-door talks have begun to emerge, suggesting a significant shift in the political landscape.

This year's Beidaihe meeting reportedly had a notably different atmosphere compared to previous gatherings during Xi's tenure as party general secretary since 2012. Sources reveal that a group of retired party elders took the unprecedented step of "reprimanding" Xi and questioning him in ways previously unseen.

Notably absent from this meeting were some prominent party elders, including former President Jiang Zemin and Xi's immediate predecessor, Hu Jintao. Despite the limited presence of elders, their message to the current leadership, including Xi, was clear: ongoing political, economic, and social turmoil, without effective countermeasures, could jeopardize the party's support and its rule.

Leading the group of concerned elders was former Vice President Zeng Qinghong, a close aide to former President Jiang. As a result of this internal political shakeup, Xi's decision to skip the upcoming G20 summit in India is believed to be an attempt to "avoid losing face."

According to the report, a frustrated Xi expressed his concerns to his closest aides, attributing the current crisis in China to their actions. He also placed blame on his predecessors, including Deng Xiaoping, Jiang, and Hu, for leaving unresolved issues that now burden his leadership. Xi stressed that it was their responsibility to address these problems.

This outburst raised concerns among his ministers, particularly Premier Li, who bears responsibility for China's troubled economy. China is currently facing severe economic challenges, ranging from a slump in the property market to a worsening youth unemployment rate. These issues, coupled with turbulence in the military and strained international relations, have created a complex set of problems for Xi's leadership.

Xi's decision to skip the G20 summit in India is seen as an effort to save face amidst these challenges. It is expected that Premier Li, as the head of China's economy, will address these concerns during his attendance at the summit.

In summary, President Xi Jinping's surprising absence from the G20 summit in India is closely tied to internal political developments in China, as concerns about the nation's economic and social issues mount. This unexpected decision underscores the complexities facing China's leadership at this critical juncture.

Read more at:
https://economictimes.indiatimes.com/news/how-to/heres-why-chinese-president-xi-jinping-didnt-attend-g20-in-india/articleshow/103456035.cms?utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst

How to transfer property to legal heir after owner's death:-The Economic Times Sep 7, 2023

 

Once a property owner dies, the legal heirs have to transfer the property of the deceased in their names. The process of doing this will depend on the type of transfer. If the deceased has made a will, the process of transferring the title of the property becomes much smoother. But if there is no will and there are multiple heirs, it can complicate the process.

Here is a look at the process an individual needs to follow to transfer property after the death of the owner in different cases.

Property transfer if there is a will

A will normally clearly mentions the beneficiaries or legal heirs who will inherit the deceased's property and other assets. Neha Gupta, Principal Associate of law firm Athena Legal, says, "The first step in transferring a property to a legal heir's name is to either get the will probated or get letters of administration (LOA)."

Probate is a court (competent court) certified copy of the will. The executor of the will applies for the probate of the will. It is done to determine the validity and authenticity of a will in the court.

If the will does not mention the executor or if probate is not mandatory, then beneficiaries of the will be required to apply for LOA. The LOA is also likely to be required to apply in case an individual dies intestate (i.e., without having written a will). Whether a probate or a LOA is required will depend on where the property is located.

Once this process is done, the beneficiary will have to visit the office of the sub-registrar concerned with the relevant documents to get the property transferred in the name of the legal heir. Gupta says, "A legal heir (as per the will) is required to submit an application form for transfer of ownership, copy of will, original property papers, death certificate of the property owner, ID and address proof of the legal heir and deceased property owner."

The ID and address proof can be PAN, Aadhaar, Voter ID card or driving licence, among others. Application forms are available at the sub-registrar's office.

The office of the sub-registrar will check the documents. The time taken in the transfer process depends on the correctness of the documentation.

Gupta says once the sub-registrar is satisfied with the documents, the authorities will update the property records with the name of the legal heir/applicant concerned. "At the end of the process, a legal heir should ensure that his/her name is reflected as the new owner of the property in the sub-registrar records. Further, the new owner(s) can apply for the transfer of the property certificate in their name. The document will help them to sell the property or take loans from a bank against it, she adds.

Property transfer if there is no will

If an individual has died without writing a will, then the assets of the individual will be divided among the class-I heirs according to the succession laws applicable to the deceased. Typically, class-I heirs are spouses and children. In case of the Hindu Succession Act, 1956, the mother of a deceased Hindu man will also be a class-I heir if there is no will.

Gupta says, "In the absence of a will, all the beneficiaries would be required to apply for a legal heir certificate. The application for this can be obtained from the tehsildar or the revenue officer." This legal heir certificate is also known as the surviving member certificate.

After getting a legal heir certificate, the heirs will be required to visit the sub-registrar's office. All the class-I legal heirs have equal rights on the property. Hence, either the property can be transferred to the name of all the legal heirs or one of the heirs. Gupta says, "In case of the former, all the legal heirs will be required to provide their ID and address proof and be physically present in the sub-registrar office for the transfer process to take place. In case of the latter, one of the legal heirs (typically spouse) can collect the registered relinquishment deed from other legal heirs and visit the sub-registrar's office."

In a registered relinquishment deed, legal heirs relinquish their share of the property and other assets in favor of another legal heir(s). Gupta says, "Making a registered relinquishment deed involves payment of stamp duty and registration fees. The charges vary from state to state."

A legal heir can also submit a no-objection certificate (NOC). An NOC is issued to a co-owner or any third party declaring that the person concerned has no objection to the property being transferred to another person. But it does not take away the right of the legal heir to the property. A relinquishment deed is required for a legal heir to permanently transfer property rights to another legal heir. It is a deed executed on a stamp paper and signed by two witnesses.

Once the legal heir gets relinquishment deeds or NOC from other legal heirs, he/she can approach the sub-registrar office for transfer of property into their name for a nominal fee. A legal heir will have to submit the following documents:

a) Application form

b) Death certificate of property owner

c) Registered relinquishment deed or no-objection certificate from other legal heirs

d) Legal heir certificate or surviving member certificate

e) ID and address proof of the legal legal heir in whose name the property is requested to be transferred

f) Title deed of the property

The sub-registrar's office can also demand indemnity bond from other legal heirs. Here also, the time taken to transfer the property to the legal heir's name depends on the correctness of the documents. The legal heir should ensure that his/her name is reflected as owner in the sub-registrar's records after the property transfer is completed.

Read more at:
https://economictimes.indiatimes.com/wealth/legal/will/how-to-transfer-property-to-legal-heir-after-owners-death/articleshow/103453738.cms?utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst

LEGAL UPDATES

 NICAI Updates;

1. CBDT, vide press release dated 05.09.2023, notifies that, it is committed to process the Income Tax Returns in a speedy and efficient manner; In a snapshot for AY 2023-24.

2. CBDT updates that out of 6.98 Cr returns filed till date, 6.84 Cr have been verified and more than 6 Cr returns have been processed out of the verified returns, resulting in processing of 88% of the verified returns; CBDT further apprises that more than 2.45 Cr. refunds for AY 2023-24 have been issued;

3. The Department’s efforts to provide seamless and expeditious taxpayer services are being continuously strengthened. In line with the same, average processing time of ITRs (after verification) has been reduced to 10 days for Returns filed for AY 2023-24 compared to 82 days for AY 2019-20 and 16 days for AY 2022- 23. 

4. It is pertinent to state that the Department is not able to process the following categories of ITRs for want of certain information/action on the part of taxpayers: 

(a) There are about 14 lakh ITRs for AY 2023-24 which have been filed but are yet to be verified by the taxpayers as on 04.09.2023.

Failure to verify the Returns causes delays in processing as the Return can only be taken up for processing once the verification has been completed by the taxpayer. Taxpayers are urged to complete the verification process immediately. 

(b) There are about 12 lakh verified ITRs in which further information has been sought by the Department, for which requisite communication has been sent to the taxpayers through their registered e-filing accounts. Taxpayers are requested to respond to such communication expeditiously. 

5. There are several cases in which the ITRs have been processed and refunds have also been determined but the Department is unable to issue them as taxpayers have not yet validated their bank account in which the refund is to be credited. Taxpayers are requested to validate their bank accounts through the e-filing portal. 

The Department remains committed to speedy processing and expeditious issue of refunds and solicits the cooperation of the taxpayers.

6. The Ministry of Finance had issued a Press release dated September 1st, 2023, regarding gross GST revenue. in the month of August, 2023 is ₹1,59,069 crore of which, CGST is ₹28,328 crore, SGST is ₹35,794 crore, IGST is ₹83,251 crore (including ₹43,550  crore collected on import of goods) and Cess is ₹11,695 crore (including ₹1,016 crore collected on import of goods).

By CA Mr.Raj Chawla.

Japan's 'Moon Sniper' mission aims for precision lunar landing following launch :-The Economic Times Sep 7 2023

 

Japan launched its "Moon Sniper" mission, aiming to rebound from previous setbacks and strengthen its space program. The mission includes the "SLIM" Moon probe, built for precise landing within 100 meters on the lunar surface, a significant improvement over previous missions. The XRISM satellite, developed in collaboration with the US and European space agencies, will conduct X-ray spectroscopic observations. The mission is seen as a global milestone and paves the way for future expeditions to resource-limited celestial planets. Japan remains committed to its space goals, despite past failures and rocket launch issues.

CCI clears Rhone Capital's stake buy in RHI Magnesita :-ET Legal

The Competition Commission of India (CCI) on Tuesday said it has cleared Rhone cleared Rhone Capital's proposed acquisition of a 29.9 per cent stake in RHI Magnesita NV by Ignite Luxembourg Holdings.

Ignite Luxembourg Holdings is owned and controlled by US-based private equity firm Rhone Capital, which is an affiliate of Rhone Group.

In a tweet on Tuesday, CCI said it has approved the "acquisition of up to 29.9 per cent equity shares of RHI Magnesita NV by Ignite Luxembourg Holdings S.a r.l ..

RHI Magnesita NV conducts its business through its subsidiary RHI Magnesita India Ltd and offers isostatically pressed continuous casting refractories, slide gate plates, nozzles and well blocks.

Read more at:
https://legal.economictimes.indiatimes.com/news/regulators/cci-clears-rhone-capitals-stake-buy-in-rhi-magnesita/103406332

SHARING MY OVERALL EXPERIENCE WHILE LIVING AT POLAND ALTHOUGH FOR 45 DAYS ONLY :-DZIELĘ SIĘ MOIM OGÓLNYM DOŚWIADCZENIEM Z MIESZKANIA W POLSCE TYLKO 45 DNI

LEFT DELHI BY LOT-POLISH AIRLINES ON JULY 20 2023 AND LANDED AT WROCLAW AIRPORT BY CHANGING FLIGHT FROM WARSAW.EXPERIENCE IN FLIGHT AND AIRPORT IMMIGRATION CHECKS AND BAGGAGE HANDLING HAD BEEN WONDERFUL WITHOUT ANY PROBLEM.I AND MY WIFE BECAME EMOTIONAL WITH TEARS AFTER MEETING OUR SON AND DAUGHTER IN LAW WHO CAME TO RECEIVE US AND DROVE US TO THEIR HOME AT PLAC JANA PAWLA 2.COULD BREATHE CLEAN AIR.AIRPORT STAFF HAPPENED TO BE VERY CORDIAL AND HELPING DESPITE LANGUAGE BEING A PROBLEM BUT COULD MANAGE PERFECTLY WITH GOOGLE TRANSLATOR FROM ENGLISH TO POLISH AND POLISH TO ENGLISH.

Przyleciałem do Delhi liniami lotniczymi LOT-POLISH AIRLINES 20 LIPCA 2023 ROKU I LĄDOWAŁEM na lotnisku we Wrocławiu, przesiadając się na lot z Warszawy. DOŚWIADCZENIA NA LOTNISKACH, IMIGRACJI NA LOTNISKACH I OBSŁUDZE BAGAŻEM BYŁY WSPANIAŁE BEZ PROBLEMÓW. JA Z ŻONĄ PŁAKALIŚMY PO SPOTKANIU Z NASZYM SYNEM I CÓRKĄ, KTÓRZY PRZYBYLI NAS NA ODBIÓR I ZABRALI DO SWOJEGO DOMU PRZY PLAC JANA PAWŁA 2. MOGLI ODDYCHAĆ CZYSTYM POWIETRZEM. PRACOWNIK LOTNISKA Był bardzo serdeczny i pomocny, choć język był problemem, ale radził sobie znakomicie z tłumaczem GOOGLE Z ANGIELSKIEGO NA POLSKI I Z POLSKIEGO NA ANGIELSKI.

India to be renamed 'Bharat'? Govt may bring resolution in Parliament's special session;Indie zmienią nazwę na „Bharat”? Rząd może podjąć uchwałę na specjalnej sesji parlamentu:-The Economics Times

 The Narendra Modi-led government is likely to bring a resolution for changing India's official name to 'Bharat' during the special session of Parliament, scheduled from September 18-22, reported Times Now on Tuesday.

LANDED SAFELY BACK TO DELHI-INDIA AFTER 45 DAYS STAY WITH MY FAMILY AT WROCLAW-POLAND AND THANKS TO LOT-SHALL SHARE MY EXPERIENCES SHORTLY-WYlądowałem bezpiecznie z powrotem do Delhi-Indie po 45 dniach pobytu z rodziną we Wrocławiu i dzięki firmie LOT-wkrótce podzielę się moimi doświadczeniami