Korean Job Discussion Forums

[jgarci17]

So one of the jobs I've been offered has the employer not providing the national healthcare, but rather a private insurance that would cost me 30,000 won a month. Does anybody know or have any experience with private healthcare in Korea, and what I should I expect (please don't respond by saying find a job with national healthcare, I'm looking at all options here and many of them are with the private insurance it seems). As it is stated in my contract, it says I would pay for any hospital/doctor visits, and then be reimbursed for the costs (nothing is said about a deductible).

Also, many of the jobs I've seen or been told about have where the employer is not matching/providing pension. From what I've seen and read on Dave's, this would more than likely come to 9% out of my own pocket each month if I'm to pay on my own into the national pension plan. So is about 9% of my income what I should expect to pay each month if I have to cover the pension individually? And do I collect that whole amount I've put into the pension back at the end of my contract?

I have searched to try and find these answers here, but honestly alot of these types of topics go off on tangents and I can't find the info and I don't have hours to read or pour over the old posts, so any help is much appreciated. Thanks!

[OculisOrbis]

Illegal. You must be provided with National Health Insurance Plan as a MINIMUM. Additional coverage can be provided as supplemental, but not as a replacement to the national plan.

Don't pay the entire 9% on your own. Your employer is legally responsible to provide 50% of the contribution for their employees.

Dont work for any company that make offers like these. Tell them to go F'k themselves and keep looking for an employer that is honest - at least honest on paper before you start the actual job. There's no guarantees after that except that if they were lying cheats before you signed the contract, they will most likely continue to be lying cheats after.

[ttompatz]

[movybuf]

30,000won a month for "Private insurance" sounds to me like your boss will pocket that money and possibly pay your medical bills if/when they come. Private insurance is not to be used as a replacement for the National Health Insurance, but more of a supplement. It covers more expensive procedures which may not be fully covered by the NHI.

DO NOT ACCEPT THIS OFFER!

[jgarci17]

Thanks guys for the info! I really liked the situation for this school and had talked to a teacher who works there now, and he really likes the school and the director. I had originally received a contract from them and it had national healthcare in it, but I had wanted a revision for some other things, and when they revised them they then told me the insurance wasn't the national healthcare, but rather this private one for the specified amount. They told me also that the school was too small to be able to afford the pension. Two red flags to me, but I just wanted to see more about this since it's all foreign language to me.