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sumfunu
Joined: 07 Dec 2006
Location: Canada
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 Posted: Thu Dec 07, 2006 5:45 pm Post subject: Korean National Health-good job benefit or not? |
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I have been offered a job at a university in Seoul and will be paying into the Korean National Health Care plan. I am in relatively good health and do not forsee any problems, but in the event of a worse case situation( a serious health issue ), I am wondering how much the plan would pay towards any hospital bills incurred and what the split of payments would be roughly( for example 50/50, 60/40 or whatever ). Ideally I would like to hear from any " foreigners " who have had direct, personal( first-hand ) experience with the KNHC system in serious medical situations( such as surgery ) both good and bad. This is not my primary determiner in either accepting or turning down the position, but as I am getting a bit long in the tooth, health care is a concern. If age or nationality has any bearing on the subject, I am a Canadian who is 52 years of age. I would like to say thank-you in advance for any and all constructive replies.  |
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Hater Depot
Joined: 29 Mar 2005
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| Posted: Thu Dec 07, 2006 6:22 pm Post subject: |
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| Participation in the national health insurance is mandatory. The cost is 9% of your salary and split 50/50. |
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ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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| Posted: Thu Dec 07, 2006 6:28 pm Post subject: |
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| Hater Depot wrote: |
| Participation in the national health insurance is mandatory. The cost is 9% of your salary and split 50/50. |
The cost is 2.24% of your salary (NOT 9%) and yes it is a 50/50 split for medical and covers many basic dental costs as well. A basic filling here only costs w3000. A doctors visit will only cost 3000 as well.
edited in after the fact:
I just re-read your post and thought I would comment on some of the other thoughts/questions. 1st hand experiences.
My co-worker is a mid 20's male who enjoys rugby and other sports. During a game one sunny spring Sunday afternoon he tore his ACL. (anterior cruciate ligament - KNEE INJURY for the uninformed).
This resulted in a few trips to the hospical, an MRI and surgury followed by a week in hospital and 3 months of daily physio.
With medical his total cost all up was around 3 million.
My wife got pregnant last winter and this summer we delivered a beautiful baby girl. Her prenatal care was (compared to Canada) exceptional. She had all the regular visits with an ultrasound at EVERY visit (not just once in a pregnancy like Canada). Full on, top notch prenatal care and delivery in a maternity hospital.
She spent 3 nights in the hospital (in a private room complete with fridge and full size TV) with a western style menu. Total cost for prenatal was ~500k won. Delivery including private room and baby's first immunization shots cost 550k won.
Don't depend on being young and invulnerable to keep you out of the hospital. Thousands of people are injured in various kinds of accidents every day in Korea. You only need one bad day and your hakwon will dump you faster than you can say *beep* rather than pay 1/2 of your medical bills.
Last edited by ttompatz on Fri Dec 08, 2006 1:28 am; edited 1 time in total |
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cerulean808
Joined: 14 Mar 2006
Location: Seoul
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| Posted: Thu Dec 07, 2006 6:56 pm Post subject: |
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Got a friend, long term stayer, with diabetes and related health complications, so is often at the doctors. Quality very low cost care provided by the scheme.
You'll appreciate the coverage if you slip on a frozen mixture of kimchi pancake and soju vomit on the street this winter and crack your skull. |
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Horangi Munshin
Joined: 06 Apr 2003
Location: Busan
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| Posted: Thu Dec 07, 2006 10:31 pm Post subject: |
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| ttompatz wrote: |
| Hater Depot wrote: |
| Participation in the national health insurance is mandatory. The cost is 9% of your salary and split 50/50. |
The cost is 2.24% of your salary and yes it is a 50/50 split for medical and covers many basic dental costs as well. |
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Yep you pay 2.24% and so does your employer. Pension is around 4.5% for you and the same for your employer, but some universities have their own pension schemes. |
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