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peter07
Joined: 28 Jan 2003
Location: Gwangmyeong
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 Posted: Mon Jul 31, 2006 5:15 am Post subject: Insurance for Cancer, Calamity |
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A friend of mine says I should get cancer and calamity insurance since I've been in Korea a while and will continue to do so, and I'm inclined to agree since Korea's national health insurance won't cover anything major.
I went to a financial planner and he quoted about 85,000 won a month for cancer and calamity insurance with AIG. But my relative said the home shopping channels are advertising the same thing for about 30,000 won a month.
Anyone try this stuff? |
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Dazed and Confused
Joined: 10 Jan 2003
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| Posted: Mon Jul 31, 2006 5:42 am Post subject: |
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| I've got accidental and hospitalization insurance. If you want details send me a PM and I can give you my agents number. |
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JLarter
Joined: 17 Apr 2006
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| Posted: Mon Jul 31, 2006 6:26 am Post subject: |
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There's such thing as cancer insurance?
Haha, whats the world coming to? |
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Zark
Joined: 12 May 2003
Location: Phuket, Thailand: Look into my eyes . . .
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| Posted: Mon Jul 31, 2006 6:40 am Post subject: |
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I tend to think that you need to carry your own coverage for any kind of catastrophic health issue - no matter what country you work in.
To some degree is does depend on your age, general health, and just how long you plan on being overseas - but one can't really predict just when and how bad things happen.
Cancer only policies tend to be very cheap - as it is likely that something else will get you. Heart disease, stroke, a hundred other things.
I've carried my own insurance for the last ten years - and intend to carry it until I exceed their age limit (70).
This webpage has a review of a few policies:
http://tefldaddy.com/Health_Medical_issues.htm
Maybe other people can give some ideas too?
I have a great policy with KW Batten - super coverage - almost everywhere in the world - but nowadays it only takes UK citizens - somehow I slipped in before the requirement.
Worldwide coverage is useful - ya never know. I have to put my wife in a hospital in Arusha Tanzania for a couple days one time - no problem with KW Batten.
For non-UK folks - shop.
I don't think that getting the cheapest policy is going to be the best bet. Just my opinion - but I tend to be quite conservative on these type issues. |
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JLarter
Joined: 17 Apr 2006
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| Posted: Mon Jul 31, 2006 8:54 am Post subject: |
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Eat right and do the right things with your body.
That's the best insurance against cancer. |
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peter07
Joined: 28 Jan 2003
Location: Gwangmyeong
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| Posted: Mon Jul 31, 2006 6:36 pm Post subject: |
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| Dazed and Confused wrote: |
| I've got accidental and hospitalization insurance. If you want details send me a PM and I can give you my agents number. |
How about a few details first, like cost of premiums, coverage and the like? Thanks. |
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Dazed and Confused
Joined: 10 Jan 2003
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| Posted: Mon Jul 31, 2006 8:16 pm Post subject: |
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| I really don't know because my husband and I carry mulitple policies for both of us. I think we pay in the neighborhood of 300,000/month. I've also got a major illness so that makes the premiums higher. It is different for each person based on gender, age, etc....Again I can pm you my agents number and she could give you details. |
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LL Moonmanhead
Joined: 21 Mar 2005
Location: yo momma
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| Posted: Mon Jul 31, 2006 8:21 pm Post subject: |
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| JLarter wrote: |
There's such thing as cancer insurance?
Haha, whats the world coming to? |
Yeah, it really funny isn't it smart guy.
My brother-in-law was diaginosed with testicalular cancer at the age of 27. Went through intensive chemotherapy, lost one testicle and is now infertile. Good job he had insurance, or him and his young family would have been throw out of their house.
what's the world coming to indeed. |
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JLarter
Joined: 17 Apr 2006
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| Posted: Mon Jul 31, 2006 11:31 pm Post subject: |
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Yeah, it really funny isn't it smart guy.
My brother-in-law was diaginosed with testicalular cancer at the age of 27. Went through intensive chemotherapy, lost one testicle and is now infertile. Good job he had insurance, or him and his young family would have been throw out of their house.
what's the world coming to indeed. |
Sorry about your individual experience, but I had never heard of such thing as cancer insurance. We either have the NHS or private insurance which covers everything in the UK. It's just the fact that you can take out a policy against one pathetic disease. |
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LL Moonmanhead
Joined: 21 Mar 2005
Location: yo momma
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| Posted: Tue Aug 01, 2006 5:30 am Post subject: |
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| JLarter wrote: |
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Yeah, it really funny isn't it smart guy.
My brother-in-law was diaginosed with testicalular cancer at the age of 27. Went through intensive chemotherapy, lost one testicle and is now infertile. Good job he had insurance, or him and his young family would have been throw out of their house.
what's the world coming to indeed. |
Sorry about your individual experience, but I had never heard of such thing as cancer insurance. We either have the NHS or private insurance which covers everything in the UK. It's just the fact that you can take out a policy against one pathetic disease. |
I'm from England buddy. I know all about the NHS thanks very much. Does the NHS cover your mortgage repayments?? 'Cancer' insurance is often know as serious illness cover and you have to pay quite a substantial premium to cover yourself.
Cancer=a pathetic disease. Ever see someone die from cancer, friend?? Ever seen someone after they've had one month of intensive chemotherapy??
Thought not. |
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JLarter
Joined: 17 Apr 2006
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| Posted: Tue Aug 01, 2006 5:48 am Post subject: |
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Cancer=a pathetic disease. Ever see someone die from cancer, friend?? Ever seen someone after they've had one month of intensive chemotherapy??
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I call it pathetic because I choose not to respect it. I don't respect it because both my mothers parents died of it. My best friend from elementary school died of it 18 months ago. My sister has had it in the last 18 months as well. If you choose to respect it, you can live your life in fear of that disease. I know that in the future I have a higher than average chance of having it because of my family members. This is why I posted earlier about the best insurance against it being to eat healthily and treat your body well.
I will call it pathetic because it is not worthy of me even thinking about it.
Incedently, my sister who has had cancer actually has very cheap medical insurance. Best part about it is she gets paid �100 a night if she stays in an NHS hospital!!! |
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peter07
Joined: 28 Jan 2003
Location: Gwangmyeong
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| Posted: Thu Aug 03, 2006 1:59 am Post subject: |
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| LL Moonmanhead wrote: |
| JLarter wrote: |
There's such thing as cancer insurance?
Haha, whats the world coming to? |
Yeah, it really funny isn't it smart guy.
My brother-in-law was diaginosed with testicalular cancer at the age of 27. Went through intensive chemotherapy, lost one testicle and is now infertile. Good job he had insurance, or him and his young family would have been throw out of their house.
what's the world coming to indeed. |
You mean STERILE. INFERTILE is the term applied to women who physically cannot bear children. |
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