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Porksta
Joined: 05 May 2011
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 Posted: Thu Oct 03, 2013 11:43 pm Post subject: What Does NHIC Cover? |
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| I am on the NHIC website, but I can't seem to find a list of what they cover or how often. Can anyone help me out? |
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Lazio
Joined: 15 Dec 2010
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| Posted: Fri Oct 04, 2013 3:43 pm Post subject: |
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It’s really hard to tell.
My wife was recently hospitalized and the National Health Insurance picked up about half of the tab. We got a detailed receipt with a list of items that she received and how much does the insurance cover from that. Surgery, medications, lab tests, other examination: x-ray, ultrasound, food and the cost of the room/bed. Certain items are fully covered, like food while others are not covered at all. And the rest are random percentages between 1 and 99. |
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EZE
Joined: 05 May 2012
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| Posted: Fri Oct 04, 2013 9:48 pm Post subject: Re: What Does NHIC Cover? |
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| Porksta wrote: |
| I am on the NHIC website, but I can't seem to find a list of what they cover or how often. Can anyone help me out? |
Based on my experiences over the past nine months:
Did Cover:
Doctor consultations
Colonoscopy
Abdominal CT scan
Abdominal ultrasound
Appendectomy
Room in the general ward (100%)
X-ray
Did Not Cover:
Vasectomy
Testicular ultrasound 3 days later when it was swollen 3x normal size
All in all, I've been happy with the NHIC insurance. Thank God I wasn't in the USA this year. |
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Porksta
Joined: 05 May 2011
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| Posted: Sat Oct 05, 2013 3:22 am Post subject: |
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| I heard that it also covers dentist visits. How often am I allowed to go? |
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nora
Joined: 14 Apr 2012
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| Posted: Sun Oct 06, 2013 12:12 am Post subject: |
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Also, define "cover."
I had a doctor suggest a CT scan to make sure I didn't have a brain tumor, and it's covered, but it still would have been about 400k out of pocket. Still, not bad, all things considered. |
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tob55
Joined: 29 Apr 2007
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| Posted: Sun Oct 06, 2013 12:24 am Post subject: |
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| nora wrote: |
Also, define "cover."
I had a doctor suggest a CT scan to make sure I didn't have a brain tumor, and it's covered, but it still would have been about 400k out of pocket. Still, not bad, all things considered. |
"Covered" equates to 50% of the accepted hospital charges that are normally accrued for procedures most Korean nationals would encounter. This why a number of foreign people usually find themselves up the creek without a paddle in regard to more exotic type conditions or procedures that they experience. In my 10 years in Korea I have found that having additional non-NHIC type coverages help tremendously for other things which fall outside the NHIC coverage. If you want to have more things covered then you should expect to seek additional health coverage through a provider that will cover things NHIC doesn't.
BTW, insurance is a good way to go in Korea since they do not do the "cooperative pay" thing they do in other countries. Each insurance company pays 100% for charges accepted through their policies, so if you have more than one insurance policy then you might earn more money. Both my wife and I have experienced this through various hospitalizations we had during the last 8 years. This is why taxi and bus drivers have multiple insurance policies and can stay in hospital for up to 8 weeks or more, because they earn more from collecting insurance money than they actually would if they were driving for the bus company or driving in their taxi. |
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