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Mike E
Joined: 06 Oct 2011
Posts: 132
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 Posted: Fri Nov 18, 2011 3:42 am Post subject: |
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| 7969 wrote: |
| Mike E wrote: |
| The current teacher told me the policy costs the school 10,000 RMB a year. |
Costs the school that much or costs the teacher? Or do they share the cost? In contrast our school insurance policy costs RMB1200 per year (covers only basic care - nothing extravagant). 10,000 seems way out there and I'd have to question the value of something that expensive. |
No, that it costs the school that much. They used to ask the teacher to pay 3000 of that, I'm told, but no longer do.
So, from that perspective, I might expect that they are providing a comparatively good (or at least pricey) policy, yes? |
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choudoufu
Joined: 25 May 2010
Posts: 3325
Location: Mao-berry, PRC
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| Posted: Fri Nov 18, 2011 3:57 am Post subject: |
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find out how much they pay to insure their teachers.
then ask them to pay you that amount as an allowance
to partially cover your purchase of private insurance.
both unis i've worked at have done this. it was standard
practice at the first. at the second, i asked them to insert
a clause into the contract.
at both, i received a cash payment of 1200 rmb. i purchase
insurance myself, and provide them with a copy of my
insurance proof of coverage letter. |
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7969
Joined: 26 Mar 2003
Posts: 5782
Location: Coastal Guangdong
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| Posted: Fri Nov 18, 2011 3:59 am Post subject: |
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| Schools aren't stupid and if they're shelling out that much I'm willing to bet the policy is fairly comprehensive. If they're paying the whole shot I think your decision is an easy one (check the fine print in any case to confirm). |
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Mike E
Joined: 06 Oct 2011
Posts: 132
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| Posted: Fri Nov 18, 2011 4:12 am Post subject: |
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| choudoufu wrote: |
find out how much they pay to insure their teachers.
then ask them to pay you that amount as an allowance
to partially cover your purchase of private insurance.
both unis i've worked at have done this. it was standard
practice at the first. at the second, i asked them to insert
a clause into the contract.
at both, i received a cash payment of 1200 rmb. i purchase
insurance myself, and provide them with a copy of my
insurance proof of coverage letter. |
To this point, my attempts to negotiate changes to this school's contract haven't gotten far.
(The teachers I've talked with, though, have told me that "it's a standard contract" and they had good conditions there, better than a close reading of the contract might lead me to believe.) |
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Mike E
Joined: 06 Oct 2011
Posts: 132
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| Posted: Sat Nov 19, 2011 2:44 am Post subject: |
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How about this:
Perhaps it varies too much by policy, but generally speaking, how much freedom do you have there if you do need to see a doctor, in terms of needing your employer's permission for what you do, being able to choose your own doctor/seek out a western doctor if you can/want to, and so on? |
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7969
Joined: 26 Mar 2003
Posts: 5782
Location: Coastal Guangdong
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| Posted: Sat Nov 19, 2011 2:56 am Post subject: |
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| Your school might recommend a local hospital, one that they've dealt with or have an arrangement with for medical exams and things like that. You need to ask about it. Whenever I've had to go to a hospital I've (depending on the problem) just gone to the closest one or the one that I felt offered the best treatment. But I've never filed a claim with our insurance either (too much hassle for too little money) or else it was something the insurance didn't cover. |
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Non Sequitur
Joined: 23 May 2010
Posts: 4724
Location: China
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| Posted: Sun Nov 20, 2011 8:40 pm Post subject: |
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PICC cover (at around RMB1200 as someone mentioned) has been what I've gone for. Their offices are everywhere.
Don't expect medical evacuation for anything like that cost.
PICC will not cover you for any condition discovered at the visa medical exam. They will be written into the contract as exclusions. |
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