All teachers do get medical benefit from the school by NHI (National Health Insurance) program or by Private insurance company. Each school has different policy on their contract so that all teachers have to make sure what kind of benefits you can get once you get to Korea!
1) NHI (National Health Insurance Corporation) - under the supervision of the Korean Ministry of Health & Welfare
The Korean scheme is an excellent, basic coverage to access cheaper medical care. However, be aware that it is basic medical coverage only, and you are not covered in any way for any other problems that can occur while in Korea, and you will have no insurance coverage as soon as you leave Korea and travel to another country. If you are going to be taking the Korean health insurance option, you will not have any coverage until your school has correctly registered you at immigration for an alien residency card.
This procedure should be done as soon as possible after you enter the country with an E2 visa stamp in your passport. Your employer is also required to complete final paperwork and register you at the local education board. If you have entered without your E2 visa stamped into your passport, you will have to wait until you have received the final visa stamp in your passport (most likely after a trip to Japan).
This 'Alien registration card' process must legally be completed within 90 days of your entry into Korea. The cost for completing this registration is minimal (approximately $15US). Until you have the card returned to you, it could be extremely difficult to attend a Korean clinic for medical help, as you would not have the required documentation of your residency status. Your employer is also required to register you in the Korean medical scheme, and in turn you should receive a small card (booklet) showing your membership and financial status.
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. The contribution amount shall be calculated by monthly salary contribution rate currently 4.31% 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.
The health care benefits include diagnosis, test, drugs, medical materials, treatments, surgery, preventive care, rehabilitation, hospitalization, nursing and transportation. When receiving health care treatments, the insured and dependents pay part of the health care charged based on the predetermined cost-sharing percentage or fixed amount. The services not considered necessary for activities in daily life, e.g. plastic surgery are not covered by the NHI program.
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) For more detail, please call or visit website.
PRO: It covers cold, stomachache, asthma pretty much all little things and you only pay for this about USD 3~5 at once.
CONS: Even though you’re not sick very often, 2.1% out of paycheck will be deducted every month basis.
2) Private insurance provider - under Samsung, LG, AIG insurance company
The employer can provide private insurance such as Samsung insurance or AIG insurance. It only covers when you’re hospitalized for serious illness and it only apply if the payment has to be more than USD 100 at once. In contrary, if you’re sick for a cold, stomachache, asthma, etc you have to pay about 2 times more than other people who has a NHI medical card (about USD 6~10) at once since it doesn’t cover those less sickness. Usually, this medical policy costs about USD 200~300 per one person and valid for 1 year. Most schools do pay for the monthly premium on behalf of teacher so the teacher doesn’t have to pay for this medical policy but you have to pay more whenever you go to hospital for sickness, which costs you under USD 100.
PRO: If you’re very healthy and don’t go to hospital ever, there’s no deduction at all for entire year.
CONS: When you go to hospital for a cold, you have to pay double !
3) AIDS Testing
HIV testing is FREE and ANONYMOUS at any Bogeonso (public health center) in Korea.