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Sashadroogie
Joined: 17 Apr 2007
Posts: 11061
Location: Moskva, The Workers' Paradise
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 Posted: Sat Sep 03, 2011 6:29 am Post subject: |
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| Gaijinalways, let's not go down this road again. It serves no purpose. |
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artemisia
Joined: 04 Nov 2008
Posts: 875
Location: the world
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| Posted: Sat Sep 03, 2011 6:50 am Post subject: |
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| gaijinalways wrote: |
| Of course you can always hope for the best, but recommending people go bare (with no medical insurance coverage) sounds like a recipe for disaster in many cases. |
I don�t see how the quote below counts as a recommendation:
| sashadroogie wrote: |
| So to the OP, if you are planning to come to Russia, insurance may be something you want to have, maybe not. Think there's some initial visa requirement, but travel insurance will do. |
The issue of health insurance is relevant as one of the costs to consider when working abroad. It (or medical costs) might put a big dent in one�s saving plans. Frankly, I wish I hadn�t bothered with it when working in Europe. It felt like money down the drain as I rarely went to the doctor. When I was taken on as an employee, I had to change to the state insurance � there was no choice about that. When I went back to freelancing, my private insurer magnanimously told me they�d take me back on under my previous policy but I�d have to backpay them from the time I�d stopped the payments. Beginning a �new� policy with them wasn�t an option either. I told them where to stick it and wished I�d done so much sooner.
It is a risk to be without it, but many health insurance companies are conniving, devious, slimy, low-life entities determined to get every last cent out of you and give very little in return. They bank (literally) on NOT having to pay out. In many cases you have to have it and it�s a condition of employment, and a policy may be provided by the employer. Despite my low opinion of these businesses, I�d still think twice about being without it in a new country, at least initially. |
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Glenski
Joined: 15 Jan 2003
Posts: 12844
Location: Hokkaido, JAPAN
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| Posted: Sat Sep 03, 2011 7:49 am Post subject: |
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| gaijinalways wrote: |
Sashadroogie posted
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| Provided an accident or emergency doesn't befall you, a plane trip back to Blighty and National Health for a serious medical issue will nearly always be cheaper than the cost of insurance abroad, especially when calculated over several years. |
Well, I don't know what to tell you. Of course you can always hope for the best, but recommending people go bare (with no medical insurance coverage) sounds like a recipe for disaster in many cases. By the way, using your same logic, do you drive with no insurance now also? |
Hard to say what Sasha's answer is, considering that insurance for cars and health are both mandated by law, yet many people still find their own logic in avoiding them. Whatever.
The OP just wanted to know where would be the best place to save money, not whether to follow the law or avoid it in taking out health insurance. Let's not get bogged down in this insurance thing. |
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Sashadroogie
Joined: 17 Apr 2007
Posts: 11061
Location: Moskva, The Workers' Paradise
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| Posted: Sat Sep 03, 2011 8:16 am Post subject: |
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| Quite right. I didn't bring up insurance. But if the OP is coming to Russia, as was intimated, then some type of travel insurance will probably be needed for the initial visa application. As I posted earlier, in total relevance to the OP. As for a full private insurance policy while working in Russia, this is not mandatory. Again relevant to the OP. That's my logic. Quite easy, I think. |
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spiral78
Joined: 05 Apr 2004
Posts: 11534
Location: On a Short Leash
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| Posted: Sat Sep 03, 2011 12:44 pm Post subject: |
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| Quote: |
| Hard to say what Sasha's answer is, considering that insurance for cars and health are both mandated by law, yet many people still find their own logic in avoiding them. Whatever. |
Since we are discussing costs, and both health and auto have come up as issues, maybe useful to finish up the discussion by clarifying whether most/many EFL teachers in Moscow drive cars anyway. I think probably not - Sasha?
For Europe in general, while long-established teachers may often own a car, they aren't usually necessary and I'd say most EFL teachers by far don't have one.
Likely another cost issue that need not be considered for this region.
Last edited by spiral78 on Sat Sep 03, 2011 4:50 pm; edited 1 time in total |
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Sashadroogie
Joined: 17 Apr 2007
Posts: 11061
Location: Moskva, The Workers' Paradise
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| Posted: Sat Sep 03, 2011 4:39 pm Post subject: |
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Nobody in EFL I know drives a car. Traffic is nightmarish, traffic cops worse, parking non-existent. No real need anyway. In the Workers' Paradise there is excellent public transport. Every metro station like a palace for the People.
http://www.flickr.com/photos/yeowatzup/149193238/
It is one problem fewer for the OP should she decide to come to Moscow |
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Mrs Smith
Joined: 24 Apr 2011
Posts: 13
Location: UK
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| Posted: Mon Sep 05, 2011 3:50 pm Post subject: |
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| Thanks for the replies. I think I'm going to go for Korea...unless the Government does an about turn on immigration or the London law firms decide it is okay to hire someone who works their socks off but went to a school that fell below the national average. Korea it is then! x |
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Mrs Smith
Joined: 24 Apr 2011
Posts: 13
Location: UK
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| Posted: Mon Sep 05, 2011 3:52 pm Post subject: |
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| Now I just need to discover what the hell an apostile is. Had never even heard of it before I started looking at Korea jobs! |
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spiral78
Joined: 05 Apr 2004
Posts: 11534
Location: On a Short Leash
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| Posted: Mon Sep 05, 2011 4:04 pm Post subject: |
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| It's just a certification that the document(s) is/are genuine. If you are in the US, you can usually get one from your bank. |
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Mrs Smith
Joined: 24 Apr 2011
Posts: 13
Location: UK
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| Posted: Mon Sep 05, 2011 5:52 pm Post subject: |
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| The bank! Does it cost anything for that? I'm in the UK. Looked online and apparently it has to go to the Foreign Office and is �30 per document. Bless our quaint old systems! |
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HLJHLJ
Joined: 06 Oct 2009
Posts: 1218
Location: Ecuador
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| Posted: Mon Sep 05, 2011 8:21 pm Post subject: |
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| In the UK most documents have to be notarised first and then sent to the FCO to be apostilled. |
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Mrs Smith
Joined: 24 Apr 2011
Posts: 13
Location: UK
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| Posted: Mon Sep 05, 2011 9:03 pm Post subject: |
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| Notarised? I feel like I'm learning a foreign language! |
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Glenski
Joined: 15 Jan 2003
Posts: 12844
Location: Hokkaido, JAPAN
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| Posted: Mon Sep 05, 2011 10:01 pm Post subject: |
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| Sashadroogie wrote: |
| Nobody in EFL I know drives a car. Traffic is nightmarish, traffic cops worse, parking non-existent. No real need anyway. |
Depends on where one lives, Sasha. I drive. Have done so in my last 2 jobs. Many JET ALTs are forced to drive because they live in rural environments here in Japan. Don't generalize. |
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HLJHLJ
Joined: 06 Oct 2009
Posts: 1218
Location: Ecuador
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| Posted: Tue Sep 06, 2011 1:56 am Post subject: |
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| Feel free to PM me and I will talk you through the process in the UK. |
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naturegirl321
Joined: 04 May 2003
Posts: 9041
Location: home sweet home
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| Posted: Tue Sep 06, 2011 2:14 am Post subject: |
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| Mrs Smith wrote: |
| Now I just need to discover what the hell an apostile is. Had never even heard of it before I started looking at Korea jobs! |
| spiral78 wrote: |
| It's just a certification that the document(s) is/are genuine. If you are in the US, you can usually get one from your bank. |
For the US, you can't get anything apostillised at the bank. Apostillisation takes place at the Sec of State office or the Dept of State in WDC.
You can get it notarised, usually for free. You have to bring the original and photocopies, they notarise the copies. Then you send those copies (and keep the original) to the Sec of State. It costs about $2 in the state of IL, in CA, it's a bit more.
For the UK, I've heard it's more expensive since you have to go to a solicitor.
The good thing is, that usually you can get a whole bunch done at once since in theory they're good forever. So I got 10 done last time I was home. That way I won't have to do it for a while. |
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