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Serious Newbie Questions-Health Insurance? Student Visa?

 
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collme



Joined: 01 Oct 2007
Posts: 11
Location: California, USA

PostPosted: Mon Oct 29, 2007 6:34 pm    Post subject: Serious Newbie Questions-Health Insurance? Student Visa? Reply with quote

Hi Everyone!

I have some serious newbie questions here. I am a U.S. resident and will be leaving in about 4 months to receive my CELTA in Ireland. (I'm taking the part-time, 3 month long program) Does this mean that I need to apply for a student visa, or are you even permitted a student visa while taking the CELTA program? If not, does this mean that I'm just merely a tourist in Ireland for 90 days and only need my passport as a means through customs?

..okay and here is my most important question: What are you supposed to do about health insurance while receiving your CELTA or even as a teacher once you find a job abroad? I will be quitting my job here in California to take the CELTA program in Ireland, thus my benefits will also be gone. I know that Ireland has an excellent health care system, however, that applies to residents. Am I supposed to look into getting individual, private, international health insurance? I'm just super confused and somewhat worried about this, thus if anyone could offer up some sound advice, I'd truly appreciate it!

Thank you!
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collme



Joined: 01 Oct 2007
Posts: 11
Location: California, USA

PostPosted: Wed Oct 31, 2007 4:10 am    Post subject: Reply with quote

No one's going to help me out here at all? Sad
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tedkarma



Joined: 17 May 2004
Posts: 1598
Location: The World is my Oyster

PostPosted: Wed Oct 31, 2007 11:11 am    Post subject: Reply with quote

collme wrote:
No one's going to help me out here at all? Sad


Okay, I'll help you out . . .

I've been teaching English overseas since 1992. Somewhere around 1995 I realized what garbage insurance schools were providing me with and decided to carry my own insurance. I have purchased my own policy since that time and am very glad I have. It is portable and covers me anywhere - not just in the country where my school is (Many of us are in TEFL because we want to travel a lot).

Was very glad I had it when my wife needed to spend some time in the hospital in Arusha Tanzania. But also, it is nice to know you can pick who you want and if the problem is serious you can go and find the best doctor in the country.

At the moment my wife has coverage where she works - but we still carry our own insurance. She was in the hospital for two weeks a couple years ago and the employer's insurance was a joke - it would have been a serious financial blow if we had not had our own coverage.

This webpage: http://tefldaddy.com/Health_Medical_issues.htm

talks about the issue a bit and has several links to check on coverage.

I think the only country I ever worked in that had decent coverage was Taiwan (believe it or not!).

Quite surprising to me, I have not yet - with 15 years teaching overseas experience - met another teacher who buys their own health insurance (Surely there must be a few?).

But, people can be quite careless with their finances. I've met people saving 15-20-25,000 US$ a year, who would not spend a little to keep from losing all of it from an accident or serious illness.
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collme



Joined: 01 Oct 2007
Posts: 11
Location: California, USA

PostPosted: Thu Nov 01, 2007 11:42 pm    Post subject: Reply with quote

Do you mind if I ask what health insurance you use? What about Travel Insurance.... is that the same?
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tedkarma



Joined: 17 May 2004
Posts: 1598
Location: The World is my Oyster

PostPosted: Fri Nov 02, 2007 12:20 am    Post subject: Reply with quote

That webpage says who I use (KW Batten) and has an email address for their contact person. Batten, these days - I think - requires you to be a UK citizen, but didn't require that when I signed up years ago. Things change though - send them an email and ask about eligibility.

I don't need travel insurance, my medical coverage is global - with the exception of not being covered in the USA or Canada (though I can buy an inexpensive rider if I want to be covered for 90 days or less during a vacation) - but I only only get back to the States every couple years and then only for a couple weeks at a time. Travel insurance for plane tickets and carrying about expensive toys - I don't buy, and have never needed.

Depending on where you live, you don't need the million dollar insurance that you would in the States. I don't want to post my personal details about my medical coverage, but a rough guess for here is that services tend to be 1/10 to 1/3 the price of the States, depending on the service - but a good safe overall guide for here might be 1/5). That will vary depending on where you chose to live/work and you do need to pay attention to it. Most policies will allow you to change the amount of your coverage as needed.
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denise



Joined: 23 Apr 2003
Posts: 3419
Location: finally home-ish

PostPosted: Fri Nov 02, 2007 4:47 am    Post subject: Reply with quote

I can't give you any specific links to good insurance providers, but I think my TEFL course (not CELTA and not in beautiful Ireland...) required its teacher-trainees to have insurance, and I went out and purchased my own and had to give them proof of it. I just got a one-month policy and then hoped that I'd get a decent job...

I think I've been luckier than tedkarma in terms of school/national insurance. I've had decent coverage--certainly much better than I could hope for in the US--everywhere I've worked. But then, I've never had any major illnesses or hospitalizations, so maybe I haven't really put my policies to the test properly.

d
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tedkarma



Joined: 17 May 2004
Posts: 1598
Location: The World is my Oyster

PostPosted: Fri Nov 02, 2007 5:01 am    Post subject: Reply with quote

denise wrote:
But then, I've never had any major illnesses or hospitalizations, so maybe I haven't really put my policies to the test properly.


I suspect that is the case.

As I am an "older" person, I do pay attention to it. Some policies in Thailand cover only the very bare minimum. Okay if you don't mind being in a room with six other people and have only a very minor problem - but not much good for anything else.

I don't really insure for day to day problems - my concern is for a catastrophic illness or injury that would quickly consume what I have spent a good portion of my life saving and investing - perhaps leaving my spouse (or me) penniless in its aftermath. That is the issue that concerns me.
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collme



Joined: 01 Oct 2007
Posts: 11
Location: California, USA

PostPosted: Fri Nov 02, 2007 5:33 pm    Post subject: Reply with quote

Hmm.. well the CELTA program/school that I'll be attending never mentioned anything about requiring insurance, but I suppose I'll look into getting a 4 month policy or something just for my own sake. I just don't know where to look (as a U.S. citizen).

A friend of mine who traveled through Europe for 5 months said travel insurance as a crock... Hmm..

Do you think it'd be worth asking the CELTA school in Dublin about travel/health insurance, or no?
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tedkarma



Joined: 17 May 2004
Posts: 1598
Location: The World is my Oyster

PostPosted: Fri Nov 02, 2007 7:37 pm    Post subject: Reply with quote

The insurance requirement is probably a function of the country that you go to - not the course you attend.

A good TEFL/CELTA school should have suggestions about local health insurance.
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