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| E-2 individuals: What is your health insurance situation? |
| I do not currently have health insurance. |
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38% |
[ 12 ] |
| I am covered only by the Korean national health insurance plan. |
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29% |
[ 9 ] |
| I am covered by the Korean national health insurance plan + national health insurance in my country of origin. |
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3% |
[ 1 ] |
| I am covered by the Korean national health insurance plan + supplementary coverage from a private health provider in my country of origin. |
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6% |
[ 2 ] |
| I am covered by the Korean national health insurance plan + supplementary coverage from a provider in Korea. |
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16% |
[ 5 ] |
| I am covered only by the national health plan in my country of origin. |
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3% |
[ 1 ] |
| I am covered only by a private health provider in my country of origin. |
|
3% |
[ 1 ] |
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| Total Votes : 31 |
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| Author |
Message |
wanderkind
Joined: 01 Jan 2012
Location: Japan
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 Posted: Mon Sep 08, 2014 10:30 am Post subject: Poll / discussion: What is your health insurance situation? |
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My family pointed out recently that, while I have the national Korean health insurance as a teacher, if I were to be injured seriously enough to preclude fulfilling my teaching obligations, I'd be pretty screwed.
In a foreign country, critically injured, facing the massive costs associated with being repatriated during a medical emergency. Which is a scenario I hadn't previously given much thought.
So I'm curious, what is your health insurance situation? |
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tob55
Joined: 29 Apr 2007
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| Posted: Mon Sep 08, 2014 1:53 pm Post subject: |
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Good to see this post. Most people on E2 visas don't have insurance other than the NHIC. I quickly got 'other' insurance when I came ten years ago. Of course the decision to get it or not depends much on age. I was older, and it seems like most young people, i.e. under 30, believe they are going to live forever without the need of medical care. IMHO
It only takes ONE accident to wreck a lifetime of goals, hopes and dreams. |
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le-paul
Joined: 07 Apr 2009
Location: dans la chambre
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| Posted: Mon Sep 08, 2014 6:17 pm Post subject: |
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| Thanks for the reminder, Ive been meaning to do this for a while. I also dont have anything to cover me in the event of my death (except my savings). |
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saram_
Joined: 13 May 2008
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| Posted: Mon Sep 08, 2014 10:17 pm Post subject: |
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I'm on the National Health Insurance Program along with my wife and we have a supplementary accident and injury insurance from Hyundai.
We pay 300k per month in total between us on Insurance..
It is quite a lot but better to be safe than sorry!
170k- Government
130k- Hyundai Insurance- Covers a good bit.
Last edited by saram_ on Tue Sep 09, 2014 1:49 am; edited 3 times in total |
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ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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| Posted: Mon Sep 08, 2014 11:02 pm Post subject: Re: Poll / discussion: What is your health insurance situat |
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| wanderkind wrote: |
My family pointed out recently that, while I have the national Korean health insurance as a teacher, if I were to be injured seriously enough to preclude fulfilling my teaching obligations, I'd be pretty screwed.
In a foreign country, critically injured, facing the massive costs associated with being repatriated during a medical emergency. Which is a scenario I hadn't previously given much thought.
So I'm curious, what is your health insurance situation? |
At least you have some insurance.
I guess the claims from members like "ontheway" that the majority of hagwon workers have NHIC seems to be somewhat untrue with some 44% on this survey being uninsured.
I have NHIC for my time in Korea (I am not here full time) and full cover 24/7 for everywhere on the planet excluding the US with BUPA. It includes accident, emergency, repatriation, outpatient (including meds), and inpatient. It does not include dental (other than accident). There is no co-pay providing the limits are not exceeded.
Their service has been pretty good and I have never been out of pocket in Korea or elsewhere in Asia for medical costs. My BUPA coverage is paid for by my other employer (outside of Korea).
. |
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candy bar
Joined: 03 Dec 2012
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| Posted: Tue Sep 09, 2014 3:23 am Post subject: |
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| Looks like we have a lot of IC (independent contractor) people here. I'm sure this is how ontheway would explain this situation. |
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littlelisa
Joined: 12 Jun 2007
Location: Seoul
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| Posted: Tue Sep 09, 2014 3:55 am Post subject: |
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| I have NHIC plus additional insurance partially paid by my school (we had a choice whether we wanted to get it or not), but it only covers bigger emergencies (hospital stays, surgeries, etc) |
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saram_
Joined: 13 May 2008
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| Posted: Tue Sep 09, 2014 7:48 pm Post subject: |
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So over half of people who polled are not medically insured..
Quite an indictment there.
It is illegal to not have insurance but beyond that the risks that people are taking are massive.
We ve all seen the horror stories relating to not having cover.
Employers and Employees alike have a responsibility here.
Paying full insurance was a big factor in getting a very low interest Jonsei loan so there are other benefits than just more peace of mind etc |
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tophatcat
Joined: 09 Aug 2006
Location: under the hat
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| Posted: Mon Sep 15, 2014 8:13 am Post subject: |
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| bump |
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tardisrider
Joined: 13 Mar 2003
Location: Seoul
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| Posted: Mon Sep 15, 2014 10:34 am Post subject: |
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| le-paul wrote: |
| I also dont have anything to cover me in the event of my death (except my savings). |
If you die, you won't need your savings. |
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