You should have fun while you’re teaching abroad! But it’s also just as important to be safe. Health insurance is not one of the most exciting or fun things to blog about. However, when thinking about my scariest moment abroad, I automatically think about when I was living in Hong Kong with no health insurance. Realizing I was quite sick, I was so hesitant to go to the hospital knowing I’d have to pay for the visit entirely out of pocket. Thus, I went to cheaper hospitals and it took over a month for me to be diagnosed with mono. I wasted hundreds of dollars in the process, about a thousand dollars all together in hospital fees and various medications that were not necessary. Now, this wasn’t anything too serious and luckily I didn’t end up with thousands and thousands of dollars in medical bills before I returned to the US. However, if something more serious occured this easily could have been the case. From this experience, I cannot stress this importance of international health insurance enough.
Many schools in Korea will pay 50% of the National Health Insurance Plan, which means you’ll be paying about $32 to $45 a month for adequate coverage. However, if you’re responsible for insuring yourself, which is literally the responsible thing to do, you’ll be paying about $64 to $75 dollars per month, depending on which city you live in, and that doesn’t include your co-payments. That equals about $780 to $960 a year. With the national health insurance plan, you can go to Korean hospitals but the international hospitals, with English-speaking doctors, may not accept the national plan. Aclipse realized there had to be a better way to protect our teachers. So we’ve partnered with a top international insurance agency to offer 100% coverage for a responsible price-one that can be paid quarterly or annually to help you attain the insurance you need during your year overseas, which adds up to a cost of only $884 a year. It’s important to have access to English-speaking international hospitals all over the world, as you travel and explore new places. This plan offers that and more. 24/7 support, emergency coverage and portable coverage if you move are just some of the many benefits.
When the swine flu hit Asia, I’m sure many insurers noticed the calls to their company hotlines increased. Expatriates all over Asia had questions and wanted reassurance, and of course some really needed answers to critical medical issues that were happening at that moment. The 24/7 help line that Interglobal Insurance can offer is something that will greatly increase you’re safety and well-being when you’re abroad. It’s not enough to have a policy in place that’s there for you during certain hours of the day, you need a policy backed by a global insurer with support services available 24 hours a day-and let’s face it, we don’t only fall ill between 9am and 5pm, Monday through Friday. Add a time difference of 12 to 13 hours to that and it gets even more difficult to reach your insurer. That’s why the help line that Interglobal offers is so important.
Even if you’re school does offer coverage, you may wants to consider adding Interglobal’s plan to that. Regardless, some kind of health insurance coverage while you’re overseas is a MUST, take if from me!
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