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[ Health Insurance Guide for Overseas Student ]

Accidental death and Disability : 50,000,000WON
While making a trip, if the insured dies or sustains disability by sequela due to a sudden, accident and foreign accident (provided that such death or disability must be what you suffered within one year from the date of such accident).


Accidental Medical Reimbursement (Domestic, Inpatient) : 10,000,000WON
While making a trip, if the insured gets injured and as a result, he/she is hospitalized in a domestic medical institution for medical treatment, the Company will pay medical expense including such hospitalization within the limits of the insured amount as follows:

Sickroom, hospitalization expenses, and operation: an amount equivalent to 90% of the insured’s share plus the portion to which the national health insurance does not apply (excluding a difference between the standard sickroom and a higher sickroom) of the allowances payable by the National Health Insurance Corporation in accordance with the National Health Insurance Act, provided that if an amount equivalent to 10% of the insured’s share exceeds 2 million won a year, such the exceeding amount will be compensated).

For hospitalization, an amount equivalent to a difference between the standard sickroom and a higher sickroom actually used by the insured less 50% of such the difference (provided that daily average amount will be within the limits of 100,000won, and such the daily average amount will be calculated by dividing the total amount of differences between the standard sickroom and a higher sickroom actually paid by the insured during the insured’s hospitalization by the total days of hospitalization).


Accidental Medical Reimbursement (Domestic, 0utpatient) : 250,000WON
While making a trip, if the insured undergoes medical treatment as an outpatient in a domestic medical institution, as a result of bodily injury he/she suffered, the Company will pay such medical expense less the deductible per each outpatient’s treatment within the limits of the insured amount (up to 180 times from the date of the insurance contract a year).

Deductible: 10,000won for a clinic, 15,000won for a hospital and 20,000won for a general specialized hospital.
Except in the case that the insured underwent a medical examination and treatment in the past due to a disease coming under the matters of “Duty of Declaration Before Contract.”


Accidental Medical Reimbursement (Domestic, Prescription) : 50,000WON
While making a trip, if the insured gets injured and as a result, he/she gets prescriptions from a domestic medical institution as an outpatient, the Company will pay such the medical expense less the deductible per one prescription within the limits of the insured amount (up to 180 cases a year).

Deductible: 8,000won
Except in the case that the insured underwent a medical examination and treatment in the past due to a disease coming under the matters of “Duty of Declaration Before Contract.”


Sickness Death : 10,000,000WON
While making a trip, if the insured dies.


Sickness Medical Reimbursement (Domestic, Inpatient) : 10,000,000WON
While making a trip, if the insured is hospitalized for medical treatment of a disease in a domestic medical institution, the Company will pay the actual medical expense including such hospitalization within the insured amount per disease as follows:

Sickroom, hospitalization and operation: an amount equivalent to 90% of the insured’s share plus the portion to which the national health insurance does not apply (excluding a difference between the standard sickroom and a higher sickroom) of the allowances payable by the National Health Insurance Corporation in accordance with the National Health Insurance Act, provided that if an amount equivalent to 10% of the insured’s share exceeds 2 million won a year, such the exceeding amount will be compensated).

For hospitalization, an amount equivalent to a difference between the standard sickroom and a higher sickroom actually used by the insured less 50% of such the difference (provided that daily average amount will be within the limits of 100,000won, and such the daily average amount will be calculated by dividing the total amount of difference between the standard sickroom and a higher sickroom actually used by the insured during the insured’s hospitalization by the total days of hospitalization).

Except in the case that the insured underwent a medical examination and treatment in the past due to a disease coming under the matters of “Duty of Declaration Before Contract.”


Sickness Medical Reimbursement (Domestic, Outpatient) : 250,000WON
While making a trip, if the insured undergoes medical treatment as outpatient in a domestic medical institution due to a disease, the Company will pay such medical expense less the deductible per each outpatient’s treatment within the limits of the insured amount (up to 180 times from the date of the insurance contract a year).

Deductible: 10,000won for a clinic, 15,000won for a hospital and 20,000won for a general specialized hospital.
Except in the case that the insured underwent a medical examination and treatment in the past due to a disease coming under the matters of “Duty of Declaration Before Contract.”


Sickness Medical Reimbursement (Domestic, Prescription) : 50,000WON
While making a trip, if the insured gets prescriptions from a domestic medical institution as an outpatient due to a disease, the Company will pay such the medical expense less the deductible per one prescription within the limits of the insured amount (up to 180 prescriptions a year).

Deductible: 8,000won
Except in the case that the insured underwent a medical
examination and treatment in the past due to a disease coming under the matters of “Duty of Declaration Before Contract.”


Liability of Reparation : 10,000,000WON
The insured is covered within maximum amount insured if one is in coincidental accidents of daily life (accidents concerning the management of property other than one's own residential area are not included)

Deductible: 20,000won



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Tel: 02-722-3200 / Fax: 02-776-1313 / E-mail: info@insclick.com
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