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laserprinter
Joined: 18 Jun 2008
Location: Seoul, South Korea
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 Posted: Wed Sep 24, 2008 3:38 am Post subject: Medical card retroactive fee |
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I arrived in the country a few months ago and didn't get the med card for about 4 months because Canadian healthcare lasts for 3 months after I leave the country. The healthcare Insurance company here is charging me retroactively for all of the months I have been here as their "policy." This makes me angry because I know that if i had been injured in the past month or two I would be screwed.
Anybody have info on this or a bypass? |
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afsjesse
Joined: 23 Sep 2007
Location: Kickin' it in 'Kato town.
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| Posted: Wed Sep 24, 2008 3:45 am Post subject: |
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no bypassing... it's the law! Korea... Sparkling  |
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ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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| Posted: Wed Sep 24, 2008 4:59 am Post subject: Re: Medical card retroactive fee |
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| laserprinter wrote: |
I arrived in the country a few months ago and didn't get the med card for about 4 months because Canadian healthcare lasts for 3 months after I leave the country. The healthcare Insurance company here is charging me retroactively for all of the months I have been here as their "policy." This makes me angry because I know that if i had been injured in the past month or two I would be screwed.
Anybody have info on this or a bypass? |
Your delay is your disadvantage....
premiums are retroactive back to the date you entered Korea on your E2.
Be thankful you weren't surprised in your 11th month or worse yet in your 2nd or 3rd year after an extension or 2.
http://www.nhic.or.kr/eng/
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jbpatlanta
Joined: 02 Jun 2007
Location: Daejeon
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| Posted: Wed Sep 24, 2008 5:21 am Post subject: |
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It sucks, The fee is retroactive. It works that way for Koreans too.
However, If you got any medical services since you have been here take the receipts in and they will reimburse you for any money you spent. |
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PigeonFart
Joined: 27 Apr 2006
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| Posted: Wed Sep 24, 2008 8:59 am Post subject: |
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What happens, if you're returning for your 3rd year in Korea....never having paid insurance?
If i apply for NHIC in my 3rd year, will they know that i never paid it before...and thus charge me retrospectively. How will they know i lived in Korea before? My previous two years were legal.....i had two consecutive E2 visas. My two schools did not give us insurance. |
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paulandamy
Joined: 06 Jun 2008
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| Posted: Wed Sep 24, 2008 9:41 am Post subject: |
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| Actually, I was told that my employer that even if you don't have the medical card you still pay the medical insurance fee and if in that time you do get hurt, you can file a backclaim. |
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ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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| Posted: Wed Sep 24, 2008 2:25 pm Post subject: |
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| PigeonFart wrote: |
What happens, if you're returning for your 3rd year in Korea....never having paid insurance?
If i apply for NHIC in my 3rd year, will they know that i never paid it before...and thus charge me retrospectively. How will they know i lived in Korea before? My previous two years were legal.....i had two consecutive E2 visas. My two schools did not give us insurance. |
IF you are on the SAME visa (extensions) now as you started with then you get hit with back payments.
IF you got a NEW visa each time (visa run), the clock starts again with the new entry date.
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Captain Corea
Joined: 28 Feb 2005
Location: Seoul
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| Posted: Wed Sep 24, 2008 2:27 pm Post subject: Re: Medical card retroactive fee |
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| laserprinter wrote: |
I arrived in the country a few months ago and didn't get the med card for about 4 months because Canadian healthcare lasts for 3 months after I leave the country. The healthcare Insurance company here is charging me retroactively for all of the months I have been here as their "policy." This makes me angry because I know that if i had been injured in the past month or two I would be screwed.
Anybody have info on this or a bypass? |
How much do you figure Canada Health Care would have helped you out? |
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laserprinter
Joined: 18 Jun 2008
Location: Seoul, South Korea
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| Posted: Wed Sep 24, 2008 3:43 pm Post subject: |
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| jbpatlanta wrote: |
It sucks, The fee is retroactive. It works that way for Koreans too.
However, If you got any medical services since you have been here take the receipts in and they will reimburse you for any money you spent. |
that sounds better.
it's retroactive for up to 3 years |
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prideofidaho
Joined: 19 Mar 2008
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| Posted: Wed Sep 24, 2008 3:48 pm Post subject: |
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I'm curious about what you've said concerning Canadian Health Care. I thought that when you live abroad your healthcare doesn't cover 100%...even while on vacation you're not covered 100%. I've broken bones in the states growing up and OHIP would not cover it. I got a concussion one month into being in Korea and I thought OHIP would not cover it, so I didn't bother claiming anything. I got back the money that the NHIC covered.
Sorry to intrude on this, but can you just let me know where you got your information from? I'd love to get my 600 bucks back from a bloody cat scan. |
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laserprinter
Joined: 18 Jun 2008
Location: Seoul, South Korea
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| Posted: Thu Sep 25, 2008 7:00 am Post subject: |
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| prideofidaho wrote: |
I'm curious about what you've said concerning Canadian Health Care. I thought that when you live abroad your healthcare doesn't cover 100%...even while on vacation you're not covered 100%. I've broken bones in the states growing up and OHIP would not cover it. I got a concussion one month into being in Korea and I thought OHIP would not cover it, so I didn't bother claiming anything. I got back the money that the NHIC covered.
Sorry to intrude on this, but can you just let me know where you got your information from? I'd love to get my 600 bucks back from a bloody cat scan. |
it said that on the bc healthcare website |
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Yaya
Joined: 25 Feb 2003
Location: Seoul
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| Posted: Thu Sep 25, 2008 10:18 pm Post subject: |
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Since I'm on the F-4, I haven't had health insurance since I returned to Korea in Feb. 2005. I will not pay three years of premiums retroactively for NOTHING.
I know one guy who paid a year retroactively then got a contract with a company, what a WASTE (if a company sponors you, you don't have to pay the retroactive premiums). |
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wings
Joined: 09 Nov 2006
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| Posted: Thu Sep 25, 2008 10:44 pm Post subject: |
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| Quote: |
| 'm curious about what you've said concerning Canadian Health Care. I thought that when you live abroad your healthcare doesn't cover 100%...even while on vacation you're not covered 100%. |
If you are out of the country temporarily then OHIP will cover things that they would cover at home, up to the cost that it would cost back home.
So if you get hurt in the states you are screwed as things are MUCH more expensive. If you did manage to file you would only get a % of your money back.
If you are in another country for a short time, or up to a year if you advise them that you want to keep your coverage, AND you continue to pay taxes in Canada then you would be covered. However, you need to pay up front and get the money refunded, which is a big pain, and will end up costing you a fair bit of money after you get all of your documents officialy translated etc.
Something that I find interesting is that people want to come to Korea and keep their health coverage in Canada, but at the same time don't want to pay taxes. How do they think their health coverage is paid for?
If you were injured in Korea and got money back from OHIP then you would not be able to claim non-residency and would have to pay taxes in Canada. |
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