Comprehensive summary of actual cost insurance recommendations and online subscription methods – Comprehensive collection of the best actual cost insurance
We are going to learn about actual cost insurance recommendations, how to sign up online, whether you can use actual cost insurance benefits and comparison sites, and how these can be used and trusted. For those who are planning to sign up for actual cost insurance, please be sure to check and read the information summarized in this lesson.
What about actual cost insurance?
Actual cost insurance refers to insurance that refunds costs excluding out-of-pocket expenses when hospital expenses are incurred.
Even though they may not know about other insurance, many people sign up for actual cost insurance because it is cost-effective.
Please check what products are available.
Real cost insurance recommendation
Post Office Actual Expense Insurance Recommendation – Non-dividend Post Office Salary Actual Loss Medical Expense Insurance
You can sign up for post office actual cost insurance at an affordable price.
In addition, hospitalization and outpatient expenses combined can be covered up to 50 million won.
In the case of outpatient treatment and prescriptions, up to 200,000 won per visit can be covered.
If you are not sick and do not receive insurance benefits, you may be able to receive discounts on insurance premiums. If you are not sick and do not receive insurance benefits, you can even receive discounts on insurance premiums. In other words, insurance premiums are applied differently depending on the individual, so if you do not go to the hospital often, the premium is discounted, and if you go to the hospital frequently, the premium is increased. Additionally, the product has the advantage of tax benefits.
Salary earners, such as office workers, can receive a tax credit of up to 12% within the annual limit of 1 million won.
For more details, please check the pros and cons of post office insurance below. Post office insurance pros and cons comparison
Hyundai Marine & Fire Insurance actual cost insurance recommendation – non-dividend actual medical expense insurance
If you sign up for Hyundai Marine & Fire Insurance’s actual cost insurance (benefit type), you can receive coverage for injuries, diseases, hospitalization, and outpatient treatment. If you add the non-coverage type as a special contract, you can also receive coverage for the three major non-coverage items: manual therapy, proliferation therapy, extracorporeal shock wave therapy, injections, and MRI (magnetic resonance imaging). Additionally, you can receive discounts on insurance premiums depending on your medical usage. If you have been accident-free for more than two years, you can receive a 10% discount on the non-benefit special contract insurance premium. This product is automatically renewed every year for up to 5 years, and upon re-subscription, you can be covered until the age of 100.
Samsung Fire & Marine Insurance Actual Expense Insurance Recommendation – Actual Medical Expense Insurance
Samsung Fire & Marine Insurance’s actual cost insurance, like other insurance, is divided into three major categories: benefit (basic contract), non-benefit (special contract), and non-benefit (special contract). If you want to have more detailed coverage, you can sign up by adding a special contract.
The special contracts (3 major non-coverages) mentioned here refer to manual therapy, extracorporeal shock waves, proliferative treatments, rosacea, MRI, MRA, etc. Samsung Fire & Marine Insurance’s actual cost insurance is automatically renewed every year for up to 5 years, and can be covered up to age 100 by re-enrolling every 5 years. If you sign up for Samsung Fire & Marine Insurance’s actual cost insurance directly, the premium is about 5.1% cheaper than if you sign up for it through an insurance planner. Because of these advantages, be sure to sign up through the Internet Direct product.
That way, you can save more on insurance premiums. If you are curious about how to claim insurance for actual medical expenses from Samsung Fire & Marine Insurance, please check the link below. How to claim Samsung Fire & Marine Insurance mobile actual cost insurance How do you claim Samsung Fire & Marine Insurance actual cost insurance?
KB Insurance Actual Cost Insurance – Non-dividend KB Insurance Actual Cost Medical Expense Coverage Insurance
KB Insurance’s actual cost insurance is a stand-alone product for actual medical expenses that allows you to purchase insurance at a cost-effective price. You can also receive a 10% discount on accident-free insurance premiums for the previous two years.
Simply put, anyone who has not received non-benefit insurance payments in the previous two years can receive a 10% discount when renewing their insurance. It is automatically renewed every year for up to 5 years, and you can be covered until the age of 100 when you re-enroll.
If you are curious about how to file a claim for KB actual cost insurance, please click the link below. Claim KB actual cost insurance
DB Non-Life Insurance Direct Actual Expense Insurance – Non-dividend Promi Life Direct Actual Expense Medical Expense Insurance 2301_CM
DB Insurance’s actual cost insurance is an actual cost insurance that covers injury-covered medical expenses, disease-covered medical expenses, and the three major non-covered medical expenses (special contract). Here, we are talking about the three major non-covered manual therapy, extracorporeal shock wave, proliferation therapy, injections, and magnetic resonance imaging diagnostic fees. Since it is a 4th generation actual cost insurance, you can receive coverage up to age 100 by renewing for 1 year and re-enrolling for 5 years. However, membership is limited depending on special terms and notices.
And insurance premiums may increase upon renewal. And from 2022, non-coverage medical expenses can be covered under the new comprehensive fee system, but subscription may be restricted depending on special contracts and notification details. Additionally, for people with a medical history, there is a separate actual cost insurance policy exclusively for those with a medical history, so if you use this actual cost insurance, even those with a medical history can easily sign up for insurance.
Hanwha Non-Life Insurance Actual Expense Insurance – (Non-)Hanwha Actual Expense Medical Expense Insurance (Renewable) 2301
If you use Hanwha Non-life Insurance’s actual cost insurance, you can receive coverage for non-benefit items that are not covered by National Health Insurance. (Special contract required) And although the premium is renewed every year, you can receive coverage up to age 100.
Hanwha Non-Life Insurance’s actual cost insurance premiums are as follows. For reference, this is based on 1-year maturity, full payment, 5-year coverage change cycle, injury level 1, and monthly payment.
Go to Hanwha Real Expense Insurance
NH Nonghyup Non-Life Insurance Actual Expense Insurance – (Non) Hearim Direct Actual Expense Medical Expense Insurance 2301
NH Nonghyup actual cost insurance is divided into basic contract (benefit) and optional contract (non-benefit).
And because it is renewed every year, the premium changes every year, and you can receive coverage up to age 100 by re-enrolling every 5 years. If you have had no accidents in the previous two years, you can receive a 10% discount on insurance premiums for one year.
Go to NH Nonghyup Actual Expense Insurance
JOY Direct, MG Insurance Actual Expense Insurance – (Non) Direct Actual Expense Medical Expense Insurance
The annual coverage limit for hospitalization and outpatient treatment is 50 million won, and outpatient treatment is covered at 200,000 won per time (outpatient medicine combined). You can receive coverage until the age of 100 by renewing every year and re-enrolling every five years. Non-covered injection fees are covered up to 2.5 million won per year, non-covered MRI and MRA are covered up to 3 million won per year, and non-covered manual therapy, extracorporeal shock wave therapy, and proliferation therapy are covered up to 3.5 million won per year. If the non-benefit insurance payment amount for the previous year was 0 won, the premium can be discounted, and if the amount is less than 1 million won, the premium can be maintained as is.
If the amount is more than 1 million won, the insurance premium is increased.
1. When applying the National Health Insurance Act or the Medical Benefits Act, an amount equivalent to 80% of the out-of-pocket amount of medical benefits for hospitalization (hospitalization room fee, hospitalization fee, hospitalization surgery fee)
2. The amount calculated by subtracting the deductible from the out-of-pocket cost among the medical benefits stipulated by the National Health Insurance Act or the Medical Benefits Act per outpatient visit (outpatient treatment costs, outpatient surgery costs, and prescription dispensing costs combined).
3. Hospitalization deductible: 20% of out-of-pocket expenses, outpatient deductible: 10,000 to 20,000 won per hospital level out of out-of-pocket expenses or 20% of medical expenses, whichever is greater.
4. If the National Health Insurance Act or the Medical Benefits Act is not applicable, the annual insurance subscription amount is 40% of the amount actually borne by the patient (the amount actually borne by the patient at the time of outpatient visit minus the deductible amount for each outpatient item). my
(maximum main contract
insurance period)
/
1-year expiration basic type_disease benefit medical expenses When you are hospitalized or outpatient at a medical institution due to a disease and receive treatment or fill a prescription for benefits (annual insurance subscription amount limit)
1. When applying the National Health Insurance Act or the Medical Benefits Act, an amount equivalent to 80% of the out-of-pocket amount of medical benefits for hospitalization (hospitalization room fee, hospitalization fee, hospitalization surgery fee)
2. The amount calculated by subtracting the deductible from the out-of-pocket cost among the medical benefits stipulated by the National Health Insurance Act or the Medical Benefits Act per outpatient visit (outpatient treatment costs, outpatient surgery costs, and prescription dispensing costs combined).
3. Hospitalization deductible: 20% of out-of-pocket expenses, outpatient deductible: 10,000 to 20,000 won per hospital level out of out-of-pocket expenses or 20% of medical expenses, whichever is greater.
4. If the National Health Insurance Act or the Medical Benefits Act is not applicable, the annual insurance subscription amount is 40% of the amount actually borne by the patient (the amount actually borne by the patient at the time of outpatient visit minus the deductible amount for each outpatient item). my
(maximum main contract
insurance period)
/
1-year expiration special contract type_Amount excluding injury expenses and medical expenses (limit of 100 outpatient visits per year from the date of contract each year)
4. Hospitalization deductible: 30% of out-of-pocket expenses, outpatient deductible: 30,000 won of out-of-pocket expenses or 30% of medical expenses, whichever is greater.
5. If the National Health Insurance Act or the Medical Benefits Act does not apply, the annual insurance subscription amount is 40% of the amount actually borne by the patient (the amount actually borne by the patient at the time of outpatient treatment minus the deductible amount for each outpatient visit). my
(maximum main contract
insurance period)
/
1-year expiration special contract type_Disease Expense Coverage Medical Expenses Compensation if you are hospitalized or outpatient at a medical institution due to a disease and receive non-covered treatment or non-covered prescriptions (annual insurance subscription amount limit, excluding 3-level benefits) 1. Hospitalization: Non-covered medical expenses (higher-level hospital room fee) Excluding the difference), equivalent to 70% of the out-of-pocket cost of hospitalization (hospitalization room fee, hospitalization system fee, inpatient surgery fee) 2. Difference in upper-level hospital room rate: 50% of non-covered hospital room fee (average daily amount limited to KRW 100,000) 3. Outpatient visit: Per outpatient visit ( Outpatient drug costs, outpatient surgery costs, prescription dispensing costs combined) Out-of-pocket expenses, non-covered medical expenses, excluding the difference in premium hospital room rates, minus itemized deductibles (limited to 100 outpatient visits per year from the contract date each year) 4. Hospitalization deductible: Out-of-pocket expenses 30%, outpatient deductible amount: The larger amount of 30,000 won out of pocket or 30% of medical expenses. 5. If the National Health Insurance Act or the Medical Benefits Act is not applicable, the amount actually paid by the person in terms of medical expenses (the amount actually paid by the person at the time of outpatient treatment) 40% of the amount minus the deductible for each outpatient item) within the limit of the annual insurance subscription amount
(maximum main contract
insurance period)
/
1-year only special contract type_3-benefit medical expense insurance period, if you are hospitalized or outpatient at a medical institution for the purpose of treating an injury or disease and receive 3-benefit treatment (manual therapy, extracorporeal shock wave therapy, proliferative treatment, injection, magnetic resonance imaging diagnosis) Within the scope of compensation, which is the amount calculated by subtracting the deductible amount from the non-covered medical expenses (including medical treatment, pharmaceutical expenses, treatment materials, contrast media, and reading fees) borne. 1. Deductible amount: the larger amount of 30,000 won per time or 30% of the compensable medical expenses) 2. Compensation limit: ⓵ Manual therapy, extracorporeal shock wave therapy, and proliferative therapy: Compensation up to 50 times within 3.5 million won by adding up the treatment of each injury or disease on a one-year basis from the contract date or annually. ⓶ Injection fees: As per contract date or annually. Compensation up to 50 times within 2.5 million won by adding up each injury/disease treatment on a yearly basis ⓷ Magnetic resonance imaging diagnosis: 300 by adding up each injury/disease treatment on a yearly basis starting from the contract date or the contract date every year Compensation within 10,000 won 3. If the National Health Insurance Act or the Medical Benefits Act is not applicable, annual insurance for 40% of the amount actually paid by the person for medical treatment (the amount actually paid by the person at the time of outpatient treatment minus the deductible amount for each outpatient item) Within the limit of subscription amount
(maximum main contract
insurance period)
/
1 year maturity
Go to MG actual cost insurance
Meritz Fire & Marine Insurance Actual Cost Insurance – Non-dividend Meritz Direct Actual Medical Expense Insurance (for contract conversion) 2303
This product compensates for damages due to illness or injury. It is renewed on a yearly basis, and the insurance premium may change every year.
The basic contract is as follows.
Limit of 50 million won
(Application of deductible amount) When treating an outpatient injury through outpatient treatment, compensation is the amount calculated by subtracting the ‘deductible amount by outpatient item’ from the out-of-pocket cost per outpatient visit (outpatient and prescription dispensing combined, limit of 200,000 won per visit)[통원항목별 공제금액]
Outpatient and prescription dispensing at clinics and hospitals: the larger amount of 10,000 won or 20% of covered medical expenses
Outpatient treatment at a tertiary or general hospital and prescription dispensing accordingly: The larger amount of 20,000 won or 20% of covered medical expenses. Inpatient sickness benefit. When hospitalized for a disease and treated, an amount equivalent to 80% of out-of-pocket medical expenses is added.
Limit of 50 million won
(Deductible amount applied) When treating an outpatient illness through outpatient treatment, compensation is the amount calculated by subtracting the ‘deductible amount by outpatient item’ from the out-of-pocket cost per outpatient visit (outpatient and prescription dispensing combined, limit of 200,000 won per visit)
[통원항목별 공제금액]
Outpatient and prescription dispensing at clinics and hospitals: the larger amount of 10,000 won or 20% of covered medical expenses
Outpatient treatment and prescription dispensing at a tertiary or general hospital: the larger amount of 20,000 won or 20% of covered medical expenses
The special contract coverage is as follows.
(3 benefits) Compensation equivalent to 70% of non-covered medical expenses when hospitalized for a hospital injury and receiving treatment
However, 50% of the difference in premium hospital room fees is added (up to a daily average of 100,000 won).
Limit of 50 million won
(Deductible amount applied) When treating an outpatient injury by going to an outpatient clinic, compensation is the amount calculated by subtracting the ‘deductible amount’ from the non-covered medical expenses per visit (outpatient and prescription dispensing combined, 100 times per year/limit of 200,000 won per time)[공제금액]
Illness benefit is the greater of 30,000 won or 30% of covered medical expenses.
(Excluding 3-level benefits) Compensation for an amount equivalent to 70% of non-covered medical expenses when hospitalized and treated for an inpatient disease
However, 50% of the difference in premium hospital room fees is added (up to a daily average of 100,000 won).
Limit of 50 million won
(Deductible amount applied) When treating an outpatient illness by outpatient, compensation is calculated by subtracting the ‘deductible amount’ from the non-covered medical expenses per visit (outpatient and prescription dispensing combined, 100 times per year/limit of 200,000 won per time)
[공제금액]
The higher amount of 30,000 won or 30% of covered medical expenses is the 3-value benefit level. Extracorporeal shock wave therapy, proliferation treatment If you are hospitalized or outpatient for an injury or disease and receive manual therapy, extracorporeal shock wave therapy, or proliferation therapy. Compensation for the amount calculated by subtracting the deductible from the actual non-covered medical expenses (including medical fees, pharmaceutical expenses, and treatment materials) (up to 50 compensations for each treatment per year)[공제금액]
The greater of 30,000 won or 30% of covered medical expenses is limited to 3.5 million won.
(Deductible amount applied) Injection fee Compensation for the amount calculated by subtracting the deductible amount from the non-covered injection fee actually paid by the person who received injection treatment by being hospitalized or outpatient at the hospital due to injury or illness (compensation up to 50 times per year for hospitalization and outpatient treatment)
[공제금액]
The greater of 30,000 won or 30% of covered medical expenses is limited to 2.5 million won.
(Deductible amount applied) Compensation for the amount minus the deductible from the non-covered medical expenses (including contrast media and reading fees) actually incurred by the patient after being hospitalized or outpatient at the hospital due to magnetic resonance imaging injury or disease and receiving magnetic resonance imaging diagnosis.
[공제금액]
The greater of 30,000 won or 30% of covered medical expenses is limited to 3 million won.
(Deductible amount applied)
If you are curious about how to claim Meritz real cost insurance, please refer to the link below. How to claim Meritz actual cost insurance and organize documents?
Go to Meritz Fire & Marine Insurance Actual Expense Insurance
Lotte Non-Life Insurance Actual Expense Insurance
It is an insurance that allows you to subscribe only to actual expenses without signing up for other special contracts, and is automatically renewed every year for up to 5 years, so you can receive coverage until the age of 100 when you re-enroll. The coverage is as follows:
(Initial contract) Basic injury benefits, medical expenses paid 1 year in advance, fetus ~ 70 years old
(In case of fetus, birth certificate) Disease benefit, medical expense special contract type, medical expense, disease expense benefit, medical expense 3-related benefit, medical expense
What are the detailed coverage details?
– Hospitalization expenses: The insurance benefit paid is 80% of the hospitalization treatment expenses actually paid by the insured person.
– Outpatient medical expenses: The insurance payment now is the amount obtained by deducting the deductible from the outpatient treatment expenses actually paid by the insured person. Depending on the outpatient visit, the greater of 10,000 won and 20% of medical expenses or 20,000 won and 20% of medical expenses is deducted. The maximum limit is the insured amount.[연간 보상 최고한도는 입통원 합산기준 보험가입금액입니다.]50,000,000 Won (Special Contract) If an insured person with medical expenses insurance receives non-covered outpatient treatment due to an illness and incurs treatment expenses, insurance money is paid.
– Hospitalization expenses: The insurance benefit paid is 70% of the hospitalization treatment expenses actually paid by the insured person.
-Difference between upper-level hospital room rates: 50% of non-covered hospital room rates, limited to an average daily amount of 100,000 won
-Outpatient expenses: The amount calculated by subtracting the deductible amount for each outpatient visit from the non-covered medical expenses per outpatient visit.[ 연간 보상 최고한도는 입통원 합산기준 보험가입금액입니다. ](Excluding 3-level benefits) KRW 50 million (basic) If the insured person receives outpatient treatment due to an injury and incurs treatment expenses, insurance money is paid.
– Hospitalization expenses: The insurance benefit paid is 80% of the hospitalization treatment expenses actually paid by the insured person.
– Outpatient medical expenses: The insurance payment now is the amount calculated by subtracting the deductible from the outpatient treatment expenses actually paid by the insured person. Depending on the outpatient visit, the greater of 10,000 won and 20% of medical expenses or 20,000 won and 20% of medical expenses is deducted. The maximum limit is the insured amount.[연간 보상 최고한도는 입통원 합산기준 보험가입금액입니다.]50,000,000 Won (Special Contract) If an insured person receives non-covered outpatient treatment due to an injury and incurs treatment expenses, insurance money is paid.
– Hospitalization expenses: The insurance benefit paid is 70% of the hospitalization treatment expenses actually paid by the insured person.
-Difference between upper-level hospital room rates: 50% of non-covered hospital room rates, limited to an average daily amount of 100,000 won
-Outpatient expenses: The amount calculated by subtracting the deductible amount for each outpatient visit from the non-covered medical expenses per outpatient visit.[ 연간 보상 최고한도는 입통원 합산기준 보험가입금액입니다. ](Excluding 3-proportion benefits) 50 million won (special contract) If an insured person with 3-proportion benefit type actual medical expenses for an accident enters a hospital for the purpose of treating an injury and receives 3-proportion benefit treatment, the amount is the amount calculated by subtracting the deductible from the non-coverage medical expenses actually paid by the person. reward
– Manual therapy, extracorporeal shock therapy, and proliferative therapy Annual limit of 3.5 million won, annual limit of 50 times, deduction of the greater of 30,000 won and 30% of covered medical expenses
– Annual limit of 2.5 million won for injections, 50 injections per year, 30,000 won or 30% of covered medical expenses, whichever is greater, is deducted
– Magnetic resonance imaging diagnosis: Annual limit of 3 million won; Deduction of the larger amount between 30,000 won and 30% of covered medical expenses; 3.5 million won (special contract); 3-level disease benefit type; actual medical expense insured person admitted to hospital for the purpose of treating a disease and receiving 3-level benefit treatment If received, compensation is the amount calculated by subtracting the deductible amount from the non-covered medical expenses actually incurred by the individual.
– Manual therapy, extracorporeal shock therapy, and proliferative therapy Annual limit of 3.5 million won, annual limit of 50 times, deduction of the greater of 30,000 won and 30% of covered medical expenses
– Annual limit of 2.5 million won for injections, 50 injections per year, 30,000 won or 30% of covered medical expenses, whichever is greater, is deducted
– Magnetic resonance imaging diagnosis: annual limit of 3 million won, maximum 30,000 won or 30% of covered medical expenses, whichever is greater, deduction 3.5 million won
When the actual cost insurance premium is set on the basis of actual cost insurance accident level 1, 1 year maturity (coverage change cycle: 5 years, re-enrollment end age: up to 100 years old), electric payment, and monthly payment, the following applies.
The unit is won.
Renewal end: 5 years 2,4363, 2003, 5164, 2515, 8686, 363 (Special contract) Illness benefit type Actual medical expenses KRW 50 million 20632, 7582, 8214, 0174, 4626, 213 (Basic) Accident benefit type Actual medical expenses KRW 5,000 10,000 won 584262567324690614 (Special contract) Injury benefit type Actual medical expenses 50 million won 542245551314611584 (Special contract) Injury 3 benefit type Actual medical expenses 3.5 million won 524257510307596543 (Special contract) Disease 3 benefit type Actual medical expenses 3.5 million won 1, 4532,0961,9532,7993,0164, 019 Guaranteed insurance premium 7,6028,8189,91812,01215,24318,336Total insurance premium 7,6028,8189,91812,01215,24318,336
DB Life Actual Cost Insurance – (Non) DB Basic Salary Actual Medical Expense Insurance (Renewable) (2211)
This is a product that can cover both benefit items covered by National Health Insurance (main contract) and non-benefit items not covered (special contract). Items covered by National Health Insurance (benefit) – Hospitalization costs, surgery costs, prescriptions and dispensing costs Items not covered by National Health Insurance (non-benefit / 100% self-pay) – Hospitalization costs, surgery costs, prescriptions and dispensing costs, difference in premium hospital room rates, frequency. Treatment, shock wave, proliferation therapy, injection, MRI, MRA
Coverage (main contract)
Salary hospitalization
(Hospitalization expenses, hospitalization expenses, hospitalization surgery expenses) Outpatient treatment in an amount equivalent to 80% of the out-of-pocket cost of medical care benefits stipulated in the National Health Insurance Act or medical benefits stipulated in the Medical Benefits Act.
(Outpatient treatment expenses, outpatient surgery expenses, prescription dispensing expenses) For each outpatient visit (outpatient and prescription dispensing combined),
Salary hospitalization
(Hospitalization expenses, hospitalization expenses, hospitalization surgery expenses) Outpatient treatment in an amount equivalent to 80% of the out-of-pocket cost of medical care benefits stipulated in the National Health Insurance Act or medical benefits stipulated in the Medical Benefits Act.
(Outpatient treatment expenses, outpatient surgery expenses, prescription dispensing expenses) For each outpatient visit (outpatient and prescription dispensing combined),
Deductible amount by outpatient visit item
Prescription/dispensing at outpatient clinics, pharmacies at public health clinics, and Korea Orphan/Essential Drug Center
(Including direct dispensing by pharmacists in areas exempt from the division of medicine, etc.) 10,000 won and covered medical expenses
20% of the larger amount Professional nursing institutions, tertiary general hospitals, outpatient clinics and pharmacies at general hospitals,
20,000 won for prescription and dispensing at Korea Orphan and Essential Drug Center and covered medical expenses
20%, whichever is greater
Coverage details (obligatory additional special contract)
Non-covered hospitalization
(Hospitalization charges, hospitalization expenses, inpatient surgical expenses) An amount equivalent to 70% of the ‘non-covered medical expenses (excluding non-covered hospital charges)’ (amount actually paid by the patient) 50% of the difference in premium hospital room rates However, the average daily amount is 100,000 won This is the limit, and the average daily amount is calculated by dividing the entire non-covered hospital room fee during the hospitalization period by the total number of hospitalization days.
(Outpatient drug costs, outpatient surgery costs, prescription dispensing costs) Amount calculated by subtracting
Non-covered hospitalization
(Hospitalization charges, hospitalization expenses, inpatient surgical expenses) An amount equivalent to 70% of the ‘non-covered medical expenses (excluding non-covered hospital charges)’ (amount actually paid by the patient) 50% of the difference in premium hospital room rates However, the average daily amount is 100,000 won This is the limit, and the average daily amount is calculated by dividing the entire non-covered hospital room fee during the hospitalization period by the total number of hospitalization days.
(Outpatient drug costs, outpatient surgery costs, prescription dispensing costs) Amount calculated by subtracting
30,000 won for prescriptions and dispensing at outpatient clinics, pharmacies at public health clinics, and Korea Orphan and Essential Drug Center, and covered medical expenses.
30% whichever is greater
Coverage: 3 major non-coverage benefits
Extracorporeal shock wave therapy
·Non-reimbursed medical expenses actually incurred by the individual due to proliferation treatment “manual therapy, extracorporeal shock wave therapy, proliferation therapy”
(Including treatment fees, drug costs, and treatment materials) 30,000 won per session
Covered medical expenses
30%, whichever is greater, from the date of the contract or the relevant date of the contract each year. Compensation for each injury or disease treatment performed on a yearly basis is up to 3.5 million Won, up to 50 times, and the person actually receives the injection treatment.
Compensatory magnetic resonance up to 50 times within KRW 2.5 million, including the sum of each injury/disease treatment on a yearly basis from the date of contract for non-covered medical expenses paid or the date of contract each year.
Receive a magnetic resonance imaging diagnosis
Non-covered medical expenses actually paid by the person
(Including contrast agent and reading fees) Compensation within 3 million won for each injury/disease treatment on a one-year basis starting from the contract date or each year.
How do I sign up for actual cost insurance online?
How to sign up for post office actual cost insurance online
Go to the Post Office Insurance website, select the insurance product menu, enter actual cost insurance in the insurance product search box, and search. Select non-dividend Post Office Benefits Actual Expense Medical Expense Insurance and click Request Free Consultation. If you follow the steps above, you can sign up for Post Office Actual Expense Insurance online. What are 7 things you need to know before filing an insurance claim?
What are the actual cost insurance benefits?
Summary of representative actual cost insurance benefits
Actual cost insurance coverage varies depending on which insurance company you choose and whether special contracts are added.
Therefore, it is difficult to say exactly what things can be guaranteed.
This is because the reasons are all different depending on the subscription conditions. So, I will outline roughly what benefits you can receive if you sign up for actual cost insurance, so please take note of it. How about summarizing the benefits of subscribing to actual cost insurance? In case of illness or injury (hospitalization) – you can be covered for an amount equivalent to 80% of your out-of-pocket expenses. In case of illness or injury (outpatient visit) – Coverage is available up to a maximum of 200,000 won per visit. When signing up for a special contract – You can receive coverage equivalent to 50% of non-covered hospital room fees and 70% of non-covered medical expenses.
Can I use an actual cost insurance comparison site?
When trying to sign up for actual cost insurance, you can look at places called comparison sites.
Here’s how to find out if you can really sign up using these places. If you use an actual cost insurance comparison site, it will ask you to enter your name and contact information.
After that, it won’t be long before you get a call. However, you may be contacted and receive advice on what kind of insurance to sign up for.
However, I don’t think this is what we want to know. This is because we want to know how much the insurance premiums differ between insurance companies when signing up for the same coverage.
However, this information is not available on comparison sites.
Therefore, from now on, we need to know the cheapest way to sign up for actual cost insurance, and I would like to introduce this method.
The cheapest way to sign up for actual cost insurance (no need to use comparison sites!)
First, I need to choose which insurance company I want to sign up for.
For example, let’s say you choose Hyundai Marine & Fire Insurance, Samsung Fire & Marine Insurance, and Post Office Insurance. Then, go to each insurance company’s Internet homepage and look for direct actual cost insurance products. Then, go to each insurance company’s website and look for direct actual cost insurance products.
Then click the Check Insurance Premium button. After that, if you enter the information you want to be covered for, you can immediately check how much the insurance premium will be when you sign up. You can do this once for each insurance company.
It may be a little cumbersome, but if you select only three insurance companies, you can roughly check.
Since you are comparing the same coverage details, you can go through the process three times and choose the one with the lowest insurance premium. Please note that because it is a direct product, it is cheaper than signing up through a counselor, and this method can be said to be the most reliable way to sign up for cheap actual cost insurance.
Concluding the article.
This time, I wrote about actual cost insurance.
If there are people who want to sign up for actual cost insurance, please read this article and refer to it.