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Sincerity

That's our precious promise for you

Coverage & Not coverage

Insurance Coverage Limit

Accidental death and Disability : Maximum amount insured

Accidents caused by sudden and foreign interferences that results in death or disability. (Death or disability that occur within one year from the date of the accident)

Sickness death : Maximum amount insured
Accident or Sickness Medical Reimbursement (Domestic, Benefit): Maximum amount insured

When the insured visit a doctor or hospitalized in a domestic medical institution in order to receive a medical treatment for accident or sickness, Benefit medical expenses such as prescription medicine, outpatient, hospitalization expenses would be covered within a set of insurance limits

- Deductible of inpatient treatment: An amount equivalent to 20% of medical benefit expenses from National health insurance law
- Deductible of outpatient treatment:: The large amount of these two, ‘20% of the medical expenses’ and ‘hospital deductible rating’ (Depends on the amount insured, Max. 100,000 ~ 200,000 KRW per a day)
- Hospital deductible rating: 10,000won for a clinic and hospital, 20,000won for a general hospital and University hospital

Accident or Sickness Medical Reimbursement (Domestic, Non-Benefit): Maximum amount insured

When the insured visit a doctor or hospitalized in a domestic medical institution in order to receive a medical treatment for accident or sickness, Non-benefit medical expenses such as prescription medicine, outpatient, hospitalization expenses would be covered within a set of insurance limits.

- Deductible of inpatient treatment: An amount equivalent to 30% of medical benefit expenses from National health insurance law
- Deductible of outpatient treatment:: The larger amount of these two, '30,000 won per a visit' and '30% of the medical expenses' (Depends on the amount insured, Max. 100,000 ~ 200,000 KRW per a day / 100times)

※ Maximum amount insured (Accident or Sickness Medical Reimbursement of Benefit, Non-Benefit) Below are the maximum limits of Accident or Sickness Medical Reimbursement (Benefit, &Non-Benefit)
-Total limits of inpatient &outpatient treatment:
Max.50,000,000 KRW / Outpatient : Max.200,000 KRW (1time, including prescription medicine)
-Total limits of inpatient &outpatient treatment:
Max.30,000,000 KRW / Outpatient : Max.150,000 KRW (1time, including prescription medicine)
-Total limits of inpatient &outpatient treatment:
Max.10,000,000 KRW / Outpatient : Max.100,000 KRW (1time, including prescription medicine)

Liability of Reparation : Maximum amount insured

The insured covers within maximum amount insured if one has accidents in daily life (accidents concerning the management of property other than one's own residential area are not included)

- Deductible : 20,000won

Medical Inpatient Treatments when Abroad : Maximum amount insured

When receiving inpatient treatment when abroad with injury or illness gained from Korea, the insured will be within the limit of the aggregate amount insured.

Evacuation / Repatriation : Maximum amount insured

- In case of death incurred by an accident or illness, the remains will be transported within 1 year from the date of the accident or disease occurrence and the costs of transportation, search and rescue, airfares will be refunded to the legal heir.
- In case of disappearance, the costs of search and rescue by plane or ship will be refunded.
- If the insured is hospitalized for over 14 days, there is a relief cost of transportation and accommodation that will be refunded. (2 guests/within 14 days)

[Nonpayment] Special Contract :

1. [Nonpayment] Manipulation therapy/Extracorporeal shock wave therapy/Prolotherapy expenses(in Korea) : Max 3,500,000 Won
2. [Nonpayment] Injection expenses(in Korea) : Max 2,500,00 Won
3. [Nonpayment] MRI/MRA expenses : Max 3,000,000 Won

- Deductible : 30% of the medical expenses
Except in case the insured underwent a medical examination and treatment due to a past disease coming under the matters of “Duty of Declaration Before Contract.”

Not Covered List

Voluntary Accident
Violation of the insurance contract (Previous illness)

Injuries caused by accidents overseas or diseases being treated previously

Dental care(Disease codes K00~K08) : cavity/tooth(wisdom) extraction/scaling/whitening…
Herbal(oriental) treatment medical expenses
The clinical care and checkup cost which is not related to the doctor’s observations
The cost of medicine without a doctor’s prescription
Checkup, Vaccination, Nutritional supplements
Unrelated medical expenses (Crutches, Wheelchair, Artificial limb, etc.)
Medical expenses incurred due to treatment aimed at improving appearance

- Eyelid surgery, gum surgery, rhinoplasty, breast augmentation or reduction, liposuction, rhytidoplasty, etc
- Glasses, contact lenses, eye surgery for vision correction
- Freckles, hirsutism, baldness, poliosis, rhinophyma, moles (birthmarks), warts, acne, hair loss

Non inflammatory disorders of female genital tract caused by habitual abortion, infertility and artificial insemination (Disease codes N96~N98)
Pregnancy, childbirth (including caesarean), postpartum hospitalization (Disease codes O00~O99)
Congenital brain disease (Disease codes Q00~Q04)
Mental disease and behavior disorder, depression… (Disease codes F04~F99)
Sexually transmitted diseases and urinary tract infections (Disease codes A50~A64, N39, R32)
Rectal or anal diseases do not correspond to the national health insurance law or medical care benefits (Disease codes I84, K60~K62, K64)
Accidents due to alcohol / Traffic Accidents / Motorcycle accidents / Ambulance
Medical records before the start date of the policy
Article which is not covered in the insurance policy (terms)

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