When it's provided by the school, what should it cover?
Is it just emergency treatment? Should it also cover routine check ups? Monthly prescriptions?
How common is it to get full coverage? Or do schools pick very basic packages?
Provided health insurance
Re: Provided health insurance
Depends on the school's calibre and location. Bottom tier schools might just reimburse outpatient bills, whereas established ones give full coverage even for dependents. Having said that, if you live in an expensive city like Singapore, even big schools offer limited options, which means you'll have to shell out large amounts for certain procedures.
Re: Provided health insurance
Thank you for the reply. In your experience, do healthcare packages tend to be an indication of how well a school treats its staff? It's just such an incredibly basic package that I'm worried that they'll be cutting corners elsewhere.
As a STUDENT I used to take out better health insurance policies for trips to different continents. I can't imagine moving to a different country and having to cover so much by myself, even the things that they do cover require you to pay a significant percentage of the cost.
As a STUDENT I used to take out better health insurance policies for trips to different continents. I can't imagine moving to a different country and having to cover so much by myself, even the things that they do cover require you to pay a significant percentage of the cost.
Response
It should cover whatever it says it covers. Health plans differ greatly in IE, on the bottom of the third tier you basically get nothing or whatever the mandated social health care would be. Some ISs at that tier offer either major hospital only (with some language in the contract that states if you are unable to report for duty within 30 days or some other number that they can terminate the contract) where others offer routine visits for things like a cold and maybe stitches. They might just reimburse you for whatever receipts they deem acceptable and leave you to pay the rest (they might not have a formal health provider plan at all but "self insure").
On the other end you get full health care plans that offer true world wide coverage (including the USA) and cover just about everything including pre-existing conditions and even disability. The provider has an agreement with a local medical facility to bill them directly so you dont have to pay out of pocket or in advance and then get reimbursed. In a lot of the EU this typically means a socialized health care program on the national level, thats supplemented by a policy and provider from the IS for care when traveling, etc.
The more expensive the region the more limitations you find in private provider programs like deductibles, co-pays, and limitations on benefits and restrictions such as pre-existing conditions. Some providers dont include prescriptions because the cost of them is extremely cheap on the local economy, many have some type of benefit.
A typical quality health provider benchmark will provide inpatient hospital care without advance payment at a local or regional facility that has western trained medical staff. Has a local clinic with at least English speaking medical staff for outpatient and routine procedures and medical issues. This will include access to . at a reasonable if not negligible cost. This policy will either be provided to dependents as well or at a very subsidized cost. Beyond that youre either blessed or cursed.
Im guessing your location is in Asia? The reality is that outside of 1st/Elite tier ISs they want you there to work, if youve got major medical problems or suffer from a major medical issue while there, they dont want to be responsible for you for a long period of time not working, because they are going to need to replace you, and the sooner your gone the less its going to cost. Thats why the plan is so basic. They dont have a problem with coughs, sore throats and minor injuries as long as your going to be back in your classroom in a reasonably short period of time, so they cover those types of health issues. If its something thats going to put you out of commission a month or longer or a term or a year or its just going to be a long term financial expense theyed rather be rid of you and get someone else in the classroom.
They dont expect you to pay that huge amount of the cost, they expect you to leave. This is what they are saying with their health plan, if you cant work for any prolonged period of time for medical reasons they arent paying for it and youre going to lose your appointment.
On the other end you get full health care plans that offer true world wide coverage (including the USA) and cover just about everything including pre-existing conditions and even disability. The provider has an agreement with a local medical facility to bill them directly so you dont have to pay out of pocket or in advance and then get reimbursed. In a lot of the EU this typically means a socialized health care program on the national level, thats supplemented by a policy and provider from the IS for care when traveling, etc.
The more expensive the region the more limitations you find in private provider programs like deductibles, co-pays, and limitations on benefits and restrictions such as pre-existing conditions. Some providers dont include prescriptions because the cost of them is extremely cheap on the local economy, many have some type of benefit.
A typical quality health provider benchmark will provide inpatient hospital care without advance payment at a local or regional facility that has western trained medical staff. Has a local clinic with at least English speaking medical staff for outpatient and routine procedures and medical issues. This will include access to . at a reasonable if not negligible cost. This policy will either be provided to dependents as well or at a very subsidized cost. Beyond that youre either blessed or cursed.
Im guessing your location is in Asia? The reality is that outside of 1st/Elite tier ISs they want you there to work, if youve got major medical problems or suffer from a major medical issue while there, they dont want to be responsible for you for a long period of time not working, because they are going to need to replace you, and the sooner your gone the less its going to cost. Thats why the plan is so basic. They dont have a problem with coughs, sore throats and minor injuries as long as your going to be back in your classroom in a reasonably short period of time, so they cover those types of health issues. If its something thats going to put you out of commission a month or longer or a term or a year or its just going to be a long term financial expense theyed rather be rid of you and get someone else in the classroom.
They dont expect you to pay that huge amount of the cost, they expect you to leave. This is what they are saying with their health plan, if you cant work for any prolonged period of time for medical reasons they arent paying for it and youre going to lose your appointment.