ttompatz
Joined: 05 Sep 2005
Location: Kwangju, South Korea
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 Posted: Mon Jul 23, 2007 3:06 pm Post subject: Re: Insurance- extra policies |
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| mrsquirrel wrote: |
What is the coverage of the government insurance policy?
My private health care policies are due up in a few weeks and I am trying to work out what coverage I need.
Previously in Thailand I had government health care topped off with a policy that had a 95% major medical coverage and an additional hospital payment plan to cover any extra room fees,
Is there a basic top up policy which will cover me for over and above what the government insurance offers here. |
They cover about 50% of your health care costs and you pay the difference.
Specifics can be found on the NHIC webpage:
http://www.nhic.or.kr/english/faq/sub03/eng_faq_insurance.html
A brief overview:
Persons who receive health care treatments pay certain portion of the health care costs as co-payments. Co-payments are paid to health care institutions directly by patients. �？ In-patient Medical Services When a patient is admitted to a clinic, a hospital or a general hospital, the patient is required to pay 20% of the total medical charges for the in-patient care. �？ Outpatient Medical Services Co-payments for out-patient cares vary depending on the level of health care facilities or the total amount of service charges. For outpatient services provided at a clinic, the patient must pay 3,000 won when the total charges do not exceed 15,000 won (at a dental clinic; 3,500 won). An elderly patient, however, pays only 1,500 won when total charges do not exceed 15,000 won; the patient pays 30% of the total charges including the diagnosis fee when total charges exceed 15,000 won. For outpatient services provided at a hospital or a general hospital, 40% or 50 %, respectively, of the total charges is paid for co-payment. And, when a patient visits a hospital or a general hospital in remote and rural areas for outpatient services, the patient, if the total cost does not exceed 15,000 won, pays 4,100 won or 4,600 won, respectively, if exceeding 15,000 won, pays 35% or 45% of total costs, respectively. However, at a specialized general hospital the patient has to pay 50% of the total charges, excluding the diagnosis and consultation fee. |
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