Postal insurance claim method and required documents (application via Internet & mobile)
Personally, I think this year has been a very bad year for me.
I, who had hardly ever been hospitalized, suffered a crack in my rib a few months ago and suffered for a month or two, 우체국 실비보험 청구서류
A few days ago, I suddenly got acute appendicitis and, to my dismay, had to undergo an appendectomy. (The correct name is “appendectomy”)
Certainly, abdominal pain caused by an appendix is different from normal abdominal pain. 좋은뉴스
At first, I thought it would be better if I slept well, but even after sleeping, the pain did not go away and I could not even walk because of the pain even if I touched my stomach a little.
Anyway, the cost of surgery and hospitalization came out to be about 1.14 million won, and fortunately, I was able to get 90% of the hospital fee back with the postal insurance that I signed up 5 years ago and paid 10,000 won every month.
(hospital fee KRW 1,146,856 * 90% = KRW 1,032,170)
First of all, the results
As stated in the insurance terms and conditions, 90% of the hospital fee was accurately returned, the insurance claim process was very simple and easy, and the time to deposit the insurance money was very fast.
The application date was around 23:00 on the 22nd, and the deposit date was around 17:00 on the 24th, so it took about two days. If the incomplete documents were not supplemented the day after the application, one day would be enough to deposit the insurance money after applying.
In order to claim postal insurance, you must upload all the required documents, and these are the documents you need.
Documents needed to file a postal insurance claim
The documents required when claiming insurance money are largely divided according to “inpatient” and “outpatient” treatment.
<Documents required for hospitalization> Certificate of diagnosis, hospitalization and discharge confirmation, receipt of medical expenses, detailed statement of medical expenses (confirmation)
<Documents required for outpatient visit> Certificate of diagnosis, confirmation of outpatient visit, receipt of medical expenses, detailed statement of medical expenses (confirmation)
<Documents required for prescription> Prescription, drug cost (dispensing cost) invoice, receipt
Since I had surgery and hospitalization, I submitted the documents required for hospitalization.
1. Detailed statement of calculation of medical expenses
2. Receipt of medical expenses
3. Medical certificate
4. Hospitalization and discharge confirmation
Now that you have familiarized yourself with all the necessary documents, let’s look at how to claim insurance money. There are three ways to file a claim.
1. Direct visit to postal finance
2. Apply by computer (Internet homepage)
3. Apply by mobile (post office insurance application)
If the insurance claim amount exceeds 3 million won, you can visit the postal finance window directly as it is not possible to claim through the Internet or mobile.
Today, we will tell you how to apply online and mobile.
Claim on the Postal Insurance website!
1. Log in to the Postal Deposit Insurance website (epostbank.go.kr) and click “Insurance claim” on the right menu.
2. Insurance claim – Click to apply for insurance!
3. After agreeing to personal information processing, fill out the insurance claim form according to each situation!
The type of claim, cause of occurrence, reason for claim, and name of diagnosis should all be written in accordance with your situation.
The picture below is an example I made myself.
After uploading the documents and entering the account to receive the insurance money, click Complete to finish.
Claim with the post office insurance application (app)!
1. After installing the Post Office Insurance app from the App Store, run it.
2. Click “Claim”.
(Since I couldn’t capture it according to the security policy, I had a hard time filming each one with a machine.)
3. Click “Apply for Insurance” and log in after selecting “Yes, Yes”.
4. Please fill out the insurance claim application in order.
I am applicable to “hospitalization and surgery”, so I chose both for the reason for claim, and “If the claim type is loss, only hospitalization and outpatient treatment are available for the reason for claim.” A message appeared, so I selected only one “hospitalization”.
5. After attaching the relevant documents, fill out the account to receive the deposit, and that’s it!
If you are curious about the progress or have documents to supplement, click the menu below to proceed.
I have incomplete documents, so I received a message from the post office to supplement the documents via KakaoTalk.
After completing the incomplete documents, it’s voila the next day.
In this way, the insurance money of 1,032,160 won, which is 90% of the hospital bill, was deposited into my bank account.
I didn’t feel the need for insurance, I even canceled the insurance I had, and I was one person who didn’t want to re-enroll again.
As a successful coffee franchise CEO said, you just have to be successful enough to not have to buy insurance, and besides, you are confident in your health… Well, that was my caution…
Who would have known that a private insurance that cost less than 700,000 won per month after accidentally signing up five years ago would be so useful?
After going through this, I am looking for another type of postal insurance. After all, you have to experience it yourself to mature…
Anyway, thank you Post Office Insurance. After all, the post office brand is great. Trust goes.