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gotokorea
Joined: 18 Oct 2005
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 Posted: Thu Jan 26, 2006 3:07 am Post subject: AM I GETTING SCREWED OUT OF HEALTH INSURANCE BENIFITS? |
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| I just recently got an ESL job and my contract clearly states 50/50 health benifiets... what exactly does that mean? My boss says I can do the paperwork for the health insurance, but that it will be taxed out of 66my check and may cost as much as 200,000 Won a month. Aren'66t they supposed to pay half and isn't that an excessive amount? She said if I need, I can use her doctor and they will just put it on her name as to just charge her insurance... this was her advice as she said it won't really cost me anything.... but I'm worried about emergencies.... as well as this is not very confidnetial health care I will have.... What does the law state about this... and if she's lying to me, does anyone know a website I can show her to prove my case? |
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denverdeath
Joined: 21 May 2005
Location: Boo-sahn
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| Posted: Thu Jan 26, 2006 4:14 am Post subject: |
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This is from http://www.nhic.or.kr/wbe/nation/nation033.html
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Because of the amendment of the National Health Insurance Act on Jul. 13, 2005, without relation to the type of Status of Stay, all foreign workers and overseas Koreans who work for an workplace in Korea shall automatically be the employee insured since 1 January, 2006. If foreign workers made or will make their employment contract with their employer before 1 January, 2006, they will be the employee insured from 1 January, 2006, and if they will make the employment contract with their employer since 2 January, 2006, they will be the employee insured since the first date of employment.
If a foreigner has the following Status of Stay(F1 ~ F5, D1 ~ D9, E1 ~ E5, E7 ~ E8 ) while being excluded from the category of the employee insured, he/she can be the self-employed insured under the National health Insurance on a voluntary basis.
For the employee coverage, the foreign workers shall make an application for enrollment to the employer of their workplaces who is by law responsible for submitting the application to the National Health Insurance Corporation with the required documentations. The enrollment is retroactive to the date the applicant was employed.
For the self-employed coverage, foreigners shall make an application for enrollment at any nearest NHIC field office located in their residential area, with the certificate of foreign registration and the passport, etc. The enrollment is retroactive to the date the applicant was registered as an alien in Korea.
For the employee insured, the contribution amount shall be calculated by ��monthly salary contribution rate��, currently 4.48% and be deducted from the monthly salary (50% of which is shared by the employer). Irrespective of the actual date of enrollment, the obligation of contribution payment is retroactive up to the date the enrollee was employed.
For the self-employed insured, the contribution amount for those who have income shall be calculated by��monthly income contribution rate��and, for those who have no income, shall be the equal amount to the��average monthly contributions of the Korean self-employed in the previous year��, which amounts to about 48,000 won. The obligation of contribution payment is retroactive up to the date the enrollee was registered as an alien in Korea. For foreign students covered, 30% of the normal contribution can be reduced and the contributions shall be paid in advance every three months.
However, the foreigners who have a residence status of F1 or F2 shall pay the contribution amount calculated by the same imposition standard of Korean nationals on a monthly basis.
The insurance benefits for foreigners are all the same as those for the Korean nationals. When the insured person or the dependents get health care services at health care facilities, just like Korean enrollees, they should pay a certain amount of co-payment for the services covered. |
I don't know where she got that crazy 200,000 number from. Are you making around 4.5million per month or something? If you're making 2million, the health insurance should be about 45,000won per month. Maybe she's talking about total deductions? 30,000 for tax, 45 for health, and about 90 for pension? |
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gotokorea
Joined: 18 Oct 2005
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| Posted: Thu Jan 26, 2006 5:06 am Post subject: |
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| Thank you so much.... this was exactly what I needed!!! |
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Big Mac
Joined: 17 Sep 2005
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| Posted: Thu Jan 26, 2006 7:36 am Post subject: |
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My boss tried to convince me to get private medical insurance too. I think they try to do that because signing up for medical insurance also informs the pension office of your presence...which would mean your boss would have to pay into that too.
Anyways, your boss has no choice but to sign you up for medical insurance and pension because it is mandatory under Korean law.
He's telling you it will cost 200,000 Won to deter you from signing up. If you don't, he'll save a lot of money. But now you know better. |
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Hollywoodaction
Joined: 02 Jul 2004
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| Posted: Thu Jan 26, 2006 2:23 pm Post subject: Re: AM I GETTING SCREWED OUT OF HEALTH INSURANCE BENIFITS? |
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| gotokorea wrote: |
| I just recently got an ESL job and my contract clearly states 50/50 health benifiets... what exactly does that mean? My boss says I can do the paperwork for the health insurance, but that it will be taxed out of 66my check and may cost as much as 200,000 Won a month. Aren'66t they supposed to pay half and isn't that an excessive amount? She said if I need, I can use her doctor and they will just put it on her name as to just charge her insurance... this was her advice as she said it won't really cost me anything.... but I'm worried about emergencies.... as well as this is not very confidnetial health care I will have.... What does the law state about this... and if she's lying to me, does anyone know a website I can show her to prove my case? |
Your boss is cheap. But what seals the deal for her is that it is also a way to control you and discourage you to call in sick. Trust me, I've fallen for that trick 10 years ago when I was uninformed about the ways of hagwon owners.
She might get away with commiting insurance fraud once or twice by passing you off as her on her insurance. But what will happen if you get hit by a bus?
Besides, do you really want her to be sitting in the doctor's office with you? You would never allow it back home, and she would never dare to do such a thing if you were Korean. It's not her place to be. |
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flint
Joined: 11 Apr 2004
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| Posted: Thu Jan 26, 2006 6:18 pm Post subject: |
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Make sure that you get one with a health card too.
My cheap ass boss at Ivy School got one where you have to pay and submit bills. Got sick in my last year there, with 6 months left, to find out the asshat "forgot" to renew my insurance. If I had been getting a card renewed every year that wouldn't have happened. |
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Hollywoodaction
Joined: 02 Jul 2004
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| Posted: Fri Jan 27, 2006 7:45 am Post subject: |
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| flint wrote: |
Make sure that you get one with a health card too.
My cheap ass boss at Ivy School got one where you have to pay and submit bills. Got sick in my last year there, with 6 months left, to find out the asshat "forgot" to renew my insurance. If I had been getting a card renewed every year that wouldn't have happened. |
That's too funny. She thought it would be a good idea because she would essentially be able to snoop into your personal life, but then stinginess won over nosiness. |
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Big Mac
Joined: 17 Sep 2005
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| Posted: Fri Jan 27, 2006 11:49 am Post subject: |
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| I didn't know this until it happened to me...but employers also have the power to cut off your national health insurance without telling you. In my case, my employer submitted a false letter telling them that I quit my job about a month before my actual end date. I would never have known about it if I hadn't made a trip to the doctor during that period. Of course, I was extremely angry and in the end he got my health insurance reinstated. |
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buymybook
Joined: 21 Feb 2005
Location: Telluride
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| Posted: Sat Jan 28, 2006 6:36 pm Post subject: |
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Not to mention any other illegalities; medically speaking, it is illegal for them to send you to their "Doctor" using their insurance.
I believe the "Doctor" wouldn't be acting lawfully for allowing such bull s***. But who knows, the "Doctor" may not be a real "Doctor?"
As mentioned by someone else, I believe the most important thing is that if you were in desperate need of medical care they may not allow you to use their "Doctor" on their insurance card. |
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