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minos
Joined: 01 Dec 2010
Location: kOREA
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 Posted: Wed Mar 16, 2011 12:08 am Post subject: Buying private health insurance: Who to choose? |
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Yeah, I know....it's not the national service. I have a sweet as hell gig, but they don't do pension and National health....
Spare me the sermons, I just need to be pointed int he right direction.
I've heard good things about AIG and samsung.
Any tips and things I should look for.
Also I regularly use a generic form of ritalin on prescription....will private insurers cover that? |
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ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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| Posted: Wed Mar 16, 2011 12:53 am Post subject: Re: Buying private health insurance: Who to choose? |
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| minos wrote: |
Yeah, I know....it's not the national service. I have a sweet as hell gig, but they don't do pension and National health....
Spare me the sermons, I just need to be pointed int he right direction.
I've heard good things about AIG and samsung.
Any tips and things I should look for.
Also I regularly use a generic form of ritalin on prescription....will private insurers cover that? |
Typically they will NOT cover anything that is covered by the national plan AND they typically EXCLUDE anything related to preexisting conditions.
You may find an exception (as "in country" supplemental insurance) but I honestly doubt it.
You can always look at expat insurance but they are about 4x the cost of NHIC and the co-pays and deductibles are similar.
Another option is to look at self enrollment in the NHIC (an option as long as you have an ARC). Do be aware that they WILL collect premiums from your entry date on your current visa to the present (if you have been here for a while). http://www.nhic.or.kr/
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minos
Joined: 01 Dec 2010
Location: kOREA
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| Posted: Thu Mar 17, 2011 6:50 am Post subject: |
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Ouch!
I paid into the NIHC for years, but the last few jobs I took didn't pay into it....so I guess I would have to back pay on those premiums? |
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ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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| Posted: Thu Mar 17, 2011 7:12 am Post subject: |
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| minos wrote: |
Ouch!
I paid into the NIHC for years, but the last few jobs I took didn't pay into it....so I guess I would have to back pay on those premiums? |
Only if you have not changed your visa.
If you got a new E2 the clock starts then.
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minos
Joined: 01 Dec 2010
Location: kOREA
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| Posted: Thu Mar 17, 2011 7:26 am Post subject: |
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| Nope, just transferred many times.... |
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minos
Joined: 01 Dec 2010
Location: kOREA
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| Posted: Sat Mar 19, 2011 3:34 am Post subject: |
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Since my employer is paying half, it's at least worth gtting some coverage...
Can someone reccomend a company? |
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hogwonguy1979
Joined: 22 Dec 2003
Location: the racoon den
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| Posted: Sat Mar 19, 2011 4:07 am Post subject: |
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if you are on an E2 YOUR EMPLOYER IS REQUIRED TO ENROLL YOU IN NHIC!!!! Its a requirement of the employer in order to get immig to issue the E2 (yes you and your employer have to meet requirements to get an E2, if an employer has been caught say employing illegals they can be banned from getting teachers on E visas)
he's trying to get around this, get you shoddy insurance and pocket the difference. dont put up with this bs |
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minos
Joined: 01 Dec 2010
Location: kOREA
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| Posted: Sat Mar 19, 2011 4:31 am Post subject: |
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Naw, it's an after school program.....it's pretty normal for these types of companies and no they're not pocketing the difference(they're upfront about it like CDI).
In return, you get some stupidly decent perks(like 4 hours total work days).
I could enroll myself, although I"d have to backpay about 1 mil won. |
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hogwonguy1979
Joined: 22 Dec 2003
Location: the racoon den
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| Posted: Sat Mar 19, 2011 4:43 am Post subject: |
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| minos wrote: |
Naw, it's an after school program.....it's pretty normal for these types of companies and no they're not pocketing the difference(they're upfront about it like CDI).
In return, you get some stupidly decent perks(like 4 hours total work days).
I could enroll myself, although I"d have to backpay about 1 mil won. |
doesnt matter, you have an e2 visa? then they are required to enroll you in nhic period end of conversation. anything else is just putting more money in your bosses pocket, god forbid you actually get sick injured or get run over by an ajumma, you may find out you were never enrolled in anything and then you'd be up a creek |
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minos
Joined: 01 Dec 2010
Location: kOREA
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| Posted: Sat Mar 19, 2011 4:51 am Post subject: |
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Your listed as an independant contractor and no, the company does not keep the health care cut. This isn't wonderland....
As for getting run over, I have been.....the National health Insurance is rather weak and won't cover anything car related. It's more so for getting check ups, broken bones, flu infections, etc.
I've been in the hospital a few times(covered and non-covered) and had a friend who had serious surgery here.
If you come in with a real injury/illness, need to visit a specialist, or buy drugs you'll get a discount at best or no coverage at all. This ain't Canada.
I'd rather have a private coverage that covers me for something serious since visiting a doctor out of pocket is 20-30 bucks here....specialist 35-70k. Some nice docs waive fees, especially if your a regular. |
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fezmond
Joined: 27 Oct 2008
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| Posted: Sat Mar 19, 2011 9:50 am Post subject: |
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| i thought independent contractors couldn't be hired on e-2 visas? |
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