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Refund on health insurance deduction?

 
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tigercat



Joined: 10 Oct 2008

PostPosted: Sat Nov 15, 2008 1:26 am    Post subject: Refund on health insurance deduction? Reply with quote

I looked over my pay stub for October again just now, and realized that 180,000 won was deducted from it for September and October's health insurance premium. I thought this was unfair because I didn't receive my health insurance card until mid-October (I started my job in September), so I couldn't and wouldn't have been able to use my health insurance in September. I can't read Korean, but I think it says on my health insurance card that I started my job on September 1, and the card was issued to me on October 16. Should I ask the school about giving me money back for September, or is this some kind of unfair standard procedure for all new teachers?
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tired of LA



Joined: 06 Nov 2006
Location: Seoul

PostPosted: Sat Nov 15, 2008 1:33 am    Post subject: Re: Refund on health insurance deduction? Reply with quote

tigercat wrote:
I looked over my pay stub for October again just now, and realized that 180,000 won was deducted from it for September and October's health insurance premium. I thought this was unfair because I didn't receive my health insurance card until mid-October (I started my job in September), so I couldn't and wouldn't have been able to use my health insurance in September. I can't read Korean, but I think it says on my health insurance card that I started my job on September 1, and the card was issued to me on October 16. Should I ask the school about giving me money back for September, or is this some kind of unfair standard procedure for all new teachers?


this is standard. you're required to pay for health insurance from the day you start working, even if you don't have your health insurance card. if by chance you needed to go to the doctor before you received your card and paid full price, you could file for a refund for the portion that would have been covered by insurance after you received your health insurance card.
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tigercat



Joined: 10 Oct 2008

PostPosted: Sat Nov 15, 2008 2:01 am    Post subject: Re: Refund on health insurance deduction? Reply with quote

tired of LA wrote:
this is standard. you're required to pay for health insurance from the day you start working, even if you don't have your health insurance card. if by chance you needed to go to the doctor before you received your card and paid full price, you could file for a refund for the portion that would have been covered by insurance after you received your health insurance card.


Oh I see... thanks. ^^
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yingwenlaoshi



Joined: 12 Feb 2007
Location: ... location, location!

PostPosted: Sat Nov 15, 2008 2:31 am    Post subject: Reply with quote

You're paying 90,000/month for health insurance????
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ontheway



Joined: 24 Aug 2005
Location: Somewhere under the rainbow...

PostPosted: Sat Nov 15, 2008 3:12 am    Post subject: Reply with quote

Health insurance is retrocative so you should pay from your first day of legal employment, but the amount seems too high for only two months. Usually teachers pay half of the monthly premium. The cost is not based on age or health but is a percentage of your income. We don't know your income level, but if you are paying half and you are earning typical teacher wages then you should be paying between about 45,000 and 65,000 won per month. Perhaps this was for three months, or perhaps they are charging you for 100% of the monthly fee.
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tigercat



Joined: 10 Oct 2008

PostPosted: Sat Nov 15, 2008 4:13 am    Post subject: Reply with quote

OMG... now that I look at it again, it looks like the school didn't pay for 50% of my premium. The EPIK website says the premium is 4.31% of my total salary, but I only need to pay 50% of the premium. Embarassed

Thanks for pointing that out. I'll sort it out when I get to school on Monday. Smile
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ttompatz



Joined: 05 Sep 2005
Location: Kwangju, South Korea

PostPosted: Sat Nov 15, 2008 5:28 am    Post subject: Reply with quote

Health insurance is 5.08% of your salary and is split 50/50 with the employer.

Your share is 2.54% of your salary every month.

IT IS going up in January by about 10% to ~5.75% (final number not yet determined).

.
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tigercat



Joined: 10 Oct 2008

PostPosted: Sat Nov 15, 2008 6:36 am    Post subject: Reply with quote

Ohh I see... Confused

How much is an average doctor's visit and prescription anyway (say, for a cold/flu)?

I miss Canada and universal health care...
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ttompatz



Joined: 05 Sep 2005
Location: Kwangju, South Korea

PostPosted: Sat Nov 15, 2008 1:15 pm    Post subject: Reply with quote

tigercat wrote:
Ohh I see... Confused

How much is an average doctor's visit and prescription anyway (say, for a cold/flu)?

I miss Canada and universal health care...


basic co-pay for a doctor's visit is 3000-3500 won.
basic drill and fill at a dentist is 3500 won *with NHIC insurance.
prescription drugs are subsidized as well.
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